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Community First Bank, Performance and Condition Ratios

2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7110%3,525
Cost of funding earning assets1.0355%4,009
Net interest margin3.6756%1,697
Noninterest income to average assets0.5100%1,850
Noninterest expense to average assets3.4775%594
Loan and lease loss provision to assets0.0000%3,009
Net operating income to assets0.4968%3,477
Return on assets (ROA)0.5309%3,417
Pretax return on assets0.5309%3,595
Return on Equity (ROE)7.2800%2,958
Retained earnings to average equity (ytd only)2.4268%3,340
Net charge-offs to loans0.0044%2,539
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)189.5000%537
Efficiency ratio87.5000%638
Assets per employee ($millions)4.3522%3,986
Cash dividends to net income (ytd only)*66.6667%788
Condition Ratios (%)
Loss allowance to loans1.1393%2,545
Loan loss allowance to noncurrent loans0.0000%3,813
Noncurrent assets plus other real estate owned to assets0.0000%3,861
Noncurrent loans to loans0.0000%3,830
Net loans and leases to total assets59.8100%2,940
Net loans and leases to deposits71.0049%2,898
Net loans and leases to core deposits75.0370%3,120
Total domestic deposits to total assets84.2400%2,532
Equity capital to assets8.0718%3,664
Core capital (leverage) ratio10.8870%2,120
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$101,717,7503,774
Average earning assets$95,800,7503,744
Average equity$7,417,0004,038
Average total loans$60,953,2503,685
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6556%3,548
Cost of funding earning assets1.0178%3,998
Net interest margin3.6379%1,717
Noninterest income to average assets0.5000%1,865
Noninterest expense to average assets3.5030%569
Loan and lease loss provision to assets0.0000%2,867
Net operating income to assets0.4342%3,594
Return on assets (ROA)0.4851%3,506
Pretax return on assets0.4851%3,655
Return on Equity (ROE)6.8900%3,026
Retained earnings to average equity (ytd only)1.8899%3,383
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio88.9717%617
Assets per employee ($millions)4.0256%4,120
Cash dividends to net income (ytd only)*72.5806%794
Condition Ratios (%)
Loss allowance to loans1.1273%2,630
Loan loss allowance to noncurrent loans0.0000%3,808
Noncurrent assets plus other real estate owned to assets0.0000%3,854
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets60.0400%2,952
Net loans and leases to deposits70.0821%2,982
Net loans and leases to core deposits72.3380%3,246
Total domestic deposits to total assets85.6800%2,081
Equity capital to assets7.1254%3,891
Core capital (leverage) ratio10.6173%2,280
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$102,256,6673,788
Average earning assets$96,485,3333,755
Average equity$7,196,0004,051
Average total loans$61,083,6673,696
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5906%3,541
Cost of funding earning assets0.9805%4,005
Net interest margin3.6101%1,712
Noninterest income to average assets0.4900%1,833
Noninterest expense to average assets3.4774%582
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets0.4269%3,548
Return on assets (ROA)0.4269%3,567
Pretax return on assets0.4269%3,709
Return on Equity (ROE)6.1000%3,188
Retained earnings to average equity (ytd only)1.1098%3,471
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio89.0656%630
Assets per employee ($millions)3.9412%4,169
Cash dividends to net income (ytd only)*81.8182%697
Condition Ratios (%)
Loss allowance to loans1.1259%2,681
Loan loss allowance to noncurrent loans0.0000%3,825
Noncurrent assets plus other real estate owned to assets0.0000%3,894
Noncurrent loans to loans0.0000%3,844
Net loans and leases to total assets59.0500%2,957
Net loans and leases to deposits68.7087%2,992
Net loans and leases to core deposits70.8445%3,281
Total domestic deposits to total assets85.9400%2,124
Equity capital to assets6.9180%3,930
Core capital (leverage) ratio10.3149%2,485
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$103,065,0003,801
Average earning assets$97,504,0003,768
Average equity$7,208,5004,071
Average total loans$61,066,5003,708
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2384%3,555
Cost of funding earning assets0.5693%4,114
Net interest margin3.6692%1,812
Noninterest income to average assets0.6400%1,394
Noninterest expense to average assets3.2926%746
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.8107%2,834
Return on assets (ROA)0.6633%3,268
Pretax return on assets0.6633%3,514
Return on Equity (ROE)11.1400%2,188
Retained earnings to average equity (ytd only)4.6296%2,743
Net charge-offs to loans0.0217%1,897
Credit loss provision to net charge-offs15.3846%2,327
Earnings coverage of net charge-offs (x)65.3077%1,139
Efficiency ratio80.2052%902
Assets per employee ($millions)3.9868%4,163
Cash dividends to net income (ytd only)*58.4416%1,261
Condition Ratios (%)
Loss allowance to loans1.1307%2,655
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 assets58.1200%3,027
Net loans and leases to deposits67.7317%3,055
Net loans and leases to core deposits69.7655%3,320
Total domestic deposits to total assets85.8100%2,069
Equity capital to assets7.0694%3,913
Core capital (leverage) ratio10.6870%2,192
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$104,477,4003,789
Average earning assets$98,550,6003,757
Average equity$6,220,8004,139
Average total loans$59,857,8003,713
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1720%3,522
Cost of funding earning assets0.4810%4,161
Net interest margin3.6910%1,795
Noninterest income to average assets0.6900%1,217
Noninterest expense to average assets3.3192%706
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.8483%2,869
Return on assets (ROA)0.6521%3,417
Pretax return on assets0.6521%3,641
Return on Equity (ROE)11.4800%2,257
Retained earnings to average equity (ytd only)4.4189%3,142
Net charge-offs to loans0.0246%1,587
Credit loss provision to net charge-offs9.0909%2,037
Earnings coverage of net charge-offs (x)60.6364%1,198
Efficiency ratio79.6211%882
Assets per employee ($millions)4.0568%4,143
Cash dividends to net income (ytd only)*61.5234%890
Condition Ratios (%)
Loss allowance to loans1.1596%2,575
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 assets57.9900%3,028
Net loans and leases to deposits68.5993%2,934
Net loans and leases to core deposits70.7022%3,179
Total domestic deposits to total assets84.5400%2,636
Equity capital to assets5.3076%4,192
Core capital (leverage) ratio10.5049%2,386
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$104,682,2503,797
Average earning assets$98,687,0003,773
Average equity$5,944,0004,175
Average total loans$59,588,5003,722
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0987%3,497
Cost of funding earning assets0.3721%4,208
Net interest margin3.7266%1,767
Noninterest income to average assets0.5200%1,794
Noninterest expense to average assets3.3091%685
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.7375%3,249
Return on assets (ROA)0.4463%3,926
Pretax return on assets0.4463%4,048
Return on Equity (ROE)7.7000%3,316
Retained earnings to average equity (ytd only)0.8481%3,935
Net charge-offs to loans0.0335%1,226
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)39.0000%1,418
Efficiency ratio81.7757%724
Assets per employee ($millions)4.1209%4,136
Cash dividends to net income (ytd only)*88.9831%433
Condition Ratios (%)
Loss allowance to loans1.1663%2,616
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 assets56.8400%3,058
Net loans and leases to deposits65.3227%3,101
Net loans and leases to core deposits67.8171%3,241
Total domestic deposits to total assets87.0100%1,922
Equity capital to assets5.9229%4,184
Core capital (leverage) ratio10.0449%2,708
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$105,769,6673,805
Average earning assets$99,983,6673,775
Average equity$6,131,0004,180
Average total loans$59,616,3333,726
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0362%3,383
Cost of funding earning assets0.1856%4,403
Net interest margin3.8506%1,577
Noninterest income to average assets0.5100%1,809
Noninterest expense to average assets3.2816%715
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.8699%2,958
Return on assets (ROA)0.8699%2,911
Pretax return on assets0.8699%3,310
Return on Equity (ROE)15.1700%1,524
Retained earnings to average equity (ytd only)7.3550%2,407
Net charge-offs to loans-0.0067%3,729
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio79.0468%901
Assets per employee ($millions)3.9977%4,245
Cash dividends to net income (ytd only)*51.5021%1,160
Condition Ratios (%)
Loss allowance to loans1.1816%2,652
Loan loss allowance to noncurrent loans934.6667%1,038
Noncurrent assets plus other real estate owned to assets0.0722%3,070
Noncurrent loans to loans0.1264%2,881
Net loans and leases to total assets56.4000%3,012
Net loans and leases to deposits60.2487%3,316
Net loans and leases to core deposits62.7616%3,403
Total domestic deposits to total assets93.6200%211
Equity capital to assets6.0024%4,200
Core capital (leverage) ratio9.7173%2,980
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$107,143,0003,843
Average earning assets$101,284,0003,808
Average equity$6,145,5004,226
Average total loans$59,802,0003,763
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5099%3,048
Cost of funding earning assets0.0974%4,404
Net interest margin3.4125%2,213
Noninterest income to average assets0.5900%1,691
Noninterest expense to average assets3.1541%774
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.6496%3,759
Return on assets (ROA)0.6496%3,709
Pretax return on assets0.6496%3,947
Return on Equity (ROE)10.0100%2,799
Retained earnings to average equity (ytd only)5.0117%3,046
Net charge-offs to loans0.0527%1,143
Credit loss provision to net charge-offs6.4516%1,964
Earnings coverage of net charge-offs (x)23.3226%1,817
Efficiency ratio82.8835%548
Assets per employee ($millions)4.5977%3,970
Cash dividends to net income (ytd only)*49.9307%1,392
Condition Ratios (%)
Loss allowance to loans1.1945%2,417
Loan loss allowance to noncurrent loans960.0000%1,021
Noncurrent assets plus other real estate owned to assets0.0680%3,113
Noncurrent loans to loans0.1244%2,892
Net loans and leases to total assets53.9700%3,203
Net loans and leases to deposits57.2249%3,500
Net loans and leases to core deposits58.8099%3,564
Total domestic deposits to total assets94.3200%208
Equity capital to assets5.4846%4,242
Core capital (leverage) ratio9.8737%2,767
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$110,997,4003,825
Average earning assets$104,704,8003,792
Average equity$7,203,2004,183
Average total loans$58,778,2003,752
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4251%2,845
Cost of funding earning assets0.0878%4,366
Net interest margin3.3373%2,177
Noninterest income to average assets0.6000%1,705
Noninterest expense to average assets3.1701%715
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.5781%3,891
Return on assets (ROA)0.5781%3,843
Pretax return on assets0.5781%4,027
Return on Equity (ROE)8.5800%3,151
Retained earnings to average equity (ytd only)4.8412%3,153
Net charge-offs to loans0.0616%872
Credit loss provision to net charge-offs3.7037%1,675
Earnings coverage of net charge-offs (x)17.8889%1,776
Efficiency ratio84.5489%517
Assets per employee ($millions)3.9880%4,329
Cash dividends to net income (ytd only)*43.5685%1,433
Condition Ratios (%)
Loss allowance to loans1.2189%2,429
Loan loss allowance to noncurrent loans964.0000%1,000
Noncurrent assets plus other real estate owned to assets0.0723%3,172
Noncurrent loans to loans0.1264%3,006
Net loans and leases to total assets56.5100%2,853
Net loans and leases to deposits59.4018%3,252
Net loans and leases to core deposits60.2373%3,365
Total domestic deposits to total assets95.1300%201
Equity capital to assets4.6437%4,365
Core capital (leverage) ratio9.6626%2,900
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$111,160,5003,847
Average earning assets$104,832,0003,808
Average equity$7,491,0004,194
Average total loans$58,403,2503,770
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2463%2,904
Cost of funding earning assets0.0820%4,358
Net interest margin3.1643%2,311
Noninterest income to average assets0.6089%1,699
Noninterest expense to average assets3.1078%722
Loan and lease loss provision to assets0.0018%2,576
Net operating income to assets0.4857%3,932
Return on assets (ROA)0.4857%3,883
Pretax return on assets0.4857%4,024
Return on Equity (ROE)6.5848%3,428
Retained earnings to average equity (ytd only)3.7218%3,194
Net charge-offs to loans0.0138%1,502
Credit loss provision to net charge-offs25.0000%1,585
Earnings coverage of net charge-offs (x)69.2500%1,010
Efficiency ratio86.4415%563
Assets per employee ($millions)4.4825%4,082
Cash dividends to net income (ytd only)*43.4783%1,592
Condition Ratios (%)
Loss allowance to loans1.3086%2,154
Loan loss allowance to noncurrent loans993.3333%939
Noncurrent assets plus other real estate owned to assets0.0697%3,272
Noncurrent loans to loans0.1317%3,056
Net loans and leases to total assets52.2277%3,128
Net loans and leases to deposits55.1904%3,448
Net loans and leases to core deposits55.9393%3,570
Total domestic deposits to total assets94.6319%188
Equity capital to assets5.1832%4,436
Core capital (leverage) ratio9.2372%3,212
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$113,651,0003,854
Average earning assets$107,259,0003,835
Average equity$8,383,0004,161
Average total loans$58,099,6673,820
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1219%2,905
Cost of funding earning assets0.0869%4,282
Net interest margin3.0350%2,384
Noninterest income to average assets0.6582%1,452
Noninterest expense to average assets3.0509%756
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.4799%3,762
Return on assets (ROA)0.4799%3,730
Pretax return on assets0.4799%3,903
Return on Equity (ROE)5.7222%3,425
Retained earnings to average equity (ytd only)3.2698%3,173
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.4078%715
Assets per employee ($millions)4.5822%4,089
Cash dividends to net income (ytd only)*42.8571%1,439
Condition Ratios (%)
Loss allowance to loans1.2933%2,401
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 assets49.9031%3,188
Net loans and leases to deposits56.2142%3,251
Net loans and leases to core deposits56.9773%3,379
Total domestic deposits to total assets88.7732%2,180
Equity capital to assets7.5570%3,895
Core capital (leverage) ratio8.5685%3,794
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$116,687,0003,847
Average earning assets$110,444,0003,814
Average equity$9,786,5004,079
Average total loans$58,684,0003,812
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4815%2,713
Cost of funding earning assets0.0824%4,518
Net interest margin3.3990%2,037
Noninterest income to average assets0.7474%1,604
Noninterest expense to average assets3.1040%836
Loan and lease loss provision to assets0.0018%3,038
Net operating income to assets0.8670%3,144
Return on assets (ROA)0.8670%3,203
Pretax return on assets0.8555%3,606
Return on Equity (ROE)8.9641%2,924
Retained earnings to average equity (ytd only)4.7064%2,919
Net charge-offs to loans0.0165%1,965
Credit loss provision to net charge-offs20.0000%2,275
Earnings coverage of net charge-offs (x)96.8000%896
Efficiency ratio78.3590%920
Assets per employee ($millions)4.7527%3,926
Cash dividends to net income (ytd only)*47.4974%1,653
Condition Ratios (%)
Loss allowance to loans1.2598%2,568
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 assets49.4058%3,361
Net loans and leases to deposits56.6478%3,367
Net loans and leases to core deposits57.3995%3,523
Total domestic deposits to total assets87.2157%2,428
Equity capital to assets9.1872%3,435
Core capital (leverage) ratio8.6761%3,747
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$112,919,0003,870
Average earning assets$106,765,4003,838
Average equity$10,921,4004,048
Average total loans$60,532,2003,803
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6190%2,501
Cost of funding earning assets0.0836%4,619
Net interest margin3.5353%1,771
Noninterest income to average assets0.7537%1,661
Noninterest expense to average assets3.1285%781
Loan and lease loss provision to assets0.0009%2,948
Net operating income to assets0.9774%2,995
Return on assets (ROA)0.9774%3,076
Pretax return on assets0.9619%3,558
Return on Equity (ROE)9.9728%2,742
Retained earnings to average equity (ytd only)5.0291%3,209
Net charge-offs to loans0.0110%1,920
Credit loss provision to net charge-offs20.0000%1,988
Earnings coverage of net charge-offs (x)161.0000%643
Efficiency ratio76.4620%1,007
Assets per employee ($millions)4.2436%4,306
Cash dividends to net income (ytd only)*49.5716%1,216
Condition Ratios (%)
Loss allowance to loans1.2394%2,797
Loan loss allowance to noncurrent loans1,396.2963%611
Noncurrent assets plus other real estate owned to assets0.0471%3,837
Noncurrent loans to loans0.0888%3,638
Net loans and leases to total assets52.4368%3,150
Net loans and leases to deposits60.5070%3,190
Net loans and leases to core deposits61.3453%3,378
Total domestic deposits to total assets86.6624%2,484
Equity capital to assets9.6423%3,257
Core capital (leverage) ratio8.6700%3,877
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$111,444,2503,930
Average earning assets$105,220,7503,900
Average equity$10,922,7504,100
Average total loans$60,802,2503,853
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8621%1,912
Cost of funding earning assets0.0826%4,685
Net interest margin3.7796%1,173
Noninterest income to average assets0.7989%1,535
Noninterest expense to average assets3.1449%788
Loan and lease loss provision to assets0.0018%2,839
Net operating income to assets1.2174%2,121
Return on assets (ROA)1.2174%2,199
Pretax return on assets1.2174%2,864
Return on Equity (ROE)12.3518%1,932
Retained earnings to average equity (ytd only)6.8376%2,491
Net charge-offs to loans0.0066%1,901
Credit loss provision to net charge-offs50.0000%1,603
Earnings coverage of net charge-offs (x)336.5000%346
Efficiency ratio72.0631%1,430
Assets per employee ($millions)4.2743%4,272
Cash dividends to net income (ytd only)*44.6429%1,407
Condition Ratios (%)
Loss allowance to loans1.2510%2,673
Loan loss allowance to noncurrent loans733.9806%939
Noncurrent assets plus other real estate owned to assets0.0927%3,586
Noncurrent loans to loans0.1704%3,364
Net loans and leases to total assets53.6988%3,165
Net loans and leases to deposits62.2202%3,178
Net loans and leases to core deposits62.6849%3,405
Total domestic deposits to total assets86.3045%2,628
Equity capital to assets9.9117%2,933
Core capital (leverage) ratio9.0245%3,424
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$110,399,6673,958
Average earning assets$104,139,0003,930
Average equity$10,881,0004,114
Average total loans$60,791,3333,881
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2013%1,202
Cost of funding earning assets0.0811%4,740
Net interest margin4.1202%702
Noninterest income to average assets0.9088%1,304
Noninterest expense to average assets3.1699%745
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.6177%1,097
Return on assets (ROA)1.6177%1,147
Pretax return on assets1.6177%1,675
Return on Equity (ROE)16.4601%935
Retained earnings to average equity (ytd only)12.0215%1,140
Net charge-offs to loans-0.0066%3,501
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2111%2,195
Assets per employee ($millions)4.4038%4,195
Cash dividends to net income (ytd only)*26.9663%1,796
Condition Ratios (%)
Loss allowance to loans1.2173%2,835
Loan loss allowance to noncurrent loans2,229.4118%335
Noncurrent assets plus other real estate owned to assets0.0309%4,141
Noncurrent loans to loans0.0546%4,017
Net loans and leases to total assets55.8694%3,055
Net loans and leases to deposits65.5352%2,970
Net loans and leases to core deposits65.8157%3,260
Total domestic deposits to total assets85.2511%3,013
Equity capital to assets9.7043%2,994
Core capital (leverage) ratio9.6480%2,874
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$110,034,0003,972
Average earning assets$103,587,0003,944
Average equity$10,814,0004,130
Average total loans$60,971,0003,900
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1738%2,223
Cost of funding earning assets0.1174%4,822
Net interest margin4.0564%860
Noninterest income to average assets0.9655%1,113
Noninterest expense to average assets3.3060%900
Loan and lease loss provision to assets0.0020%4,305
Net operating income to assets1.4723%872
Return on assets (ROA)1.4723%949
Pretax return on assets1.4723%1,433
Return on Equity (ROE)14.1229%782
Retained earnings to average equity (ytd only)5.1697%2,203
Net charge-offs to loans0.0036%3,246
Credit loss provision to net charge-offs100.0000%2,816
Earnings coverage of net charge-offs (x)734.5000%160
Efficiency ratio69.1581%2,072
Assets per employee ($millions)4.3989%4,018
Cash dividends to net income (ytd only)*63.3947%1,209
Condition Ratios (%)
Loss allowance to loans1.2686%2,579
Loan loss allowance to noncurrent loans2,523.3333%330
Noncurrent assets plus other real estate owned to assets0.0273%4,234
Noncurrent loans to loans0.0503%4,094
Net loans and leases to total assets53.5745%3,528
Net loans and leases to deposits64.1860%3,422
Net loans and leases to core deposits64.3684%3,667
Total domestic deposits to total assets83.4676%3,273
Equity capital to assets9.9516%3,173
Core capital (leverage) ratio9.3670%3,262
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$99,638,4004,003
Average earning assets$93,703,4003,980
Average equity$10,387,4004,163
Average total loans$56,198,4003,980
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3664%1,944
Cost of funding earning assets0.1270%4,863
Net interest margin4.2394%673
Noninterest income to average assets0.8984%1,227
Noninterest expense to average assets3.3369%860
Loan and lease loss provision to assets0.0010%4,232
Net operating income to assets1.5510%810
Return on assets (ROA)1.5510%887
Pretax return on assets1.5510%1,326
Return on Equity (ROE)14.6883%746
Retained earnings to average equity (ytd only)8.0532%1,291
Net charge-offs to loans0.0096%2,763
Credit loss provision to net charge-offs25.0000%2,969
Earnings coverage of net charge-offs (x)282.5000%382
Efficiency ratio68.2495%2,152
Assets per employee ($millions)4.4592%3,894
Cash dividends to net income (ytd only)*45.1727%1,708
Condition Ratios (%)
Loss allowance to loans1.2767%2,257
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 assets56.9251%3,533
Net loans and leases to deposits70.4037%3,278
Net loans and leases to core deposits70.6252%3,580
Total domestic deposits to total assets80.8553%3,691
Equity capital to assets10.6561%2,666
Core capital (leverage) ratio9.7462%2,977
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$97,055,0004,033
Average earning assets$91,362,7504,003
Average equity$10,248,2504,185
Average total loans$55,329,5004,015
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6479%1,542
Cost of funding earning assets0.1387%4,910
Net interest margin4.5093%490
Noninterest income to average assets0.8087%1,409
Noninterest expense to average assets3.3733%888
Loan and lease loss provision to assets0.0021%4,126
Net operating income to assets1.6677%655
Return on assets (ROA)1.6677%715
Pretax return on assets1.6677%1,059
Return on Equity (ROE)15.8462%592
Retained earnings to average equity (ytd only)11.6551%503
Net charge-offs to loans-0.0074%4,120
Credit loss provision to net charge-offs-50.0000%3,361
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.8888%2,397
Assets per employee ($millions)4.2555%4,050
Cash dividends to net income (ytd only)*26.4484%2,499
Condition Ratios (%)
Loss allowance to loans1.3216%1,903
Loan loss allowance to noncurrent loans567.1642%906
Noncurrent assets plus other real estate owned to assets0.1260%3,899
Noncurrent loans to loans0.2330%3,542
Net loans and leases to total assets53.3387%3,933
Net loans and leases to deposits65.2538%3,783
Net loans and leases to core deposits65.4487%3,996
Total domestic deposits to total assets81.7404%3,440
Equity capital to assets10.0829%3,126
Core capital (leverage) ratio9.9784%2,864
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$95,219,6674,055
Average earning assets$89,416,0004,033
Average equity$10,021,3334,216
Average total loans$54,060,0004,057
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2784%2,991
Cost of funding earning assets0.1815%4,925
Net interest margin4.0970%1,139
Noninterest income to average assets0.6114%1,991
Noninterest expense to average assets3.4361%1,024
Loan and lease loss provision to assets0.0045%3,685
Net operating income to assets0.9996%2,176
Return on assets (ROA)0.9996%2,280
Pretax return on assets0.9996%2,840
Return on Equity (ROE)9.2672%2,007
Retained earnings to average equity (ytd only)5.5438%2,051
Net charge-offs to loans0.0076%2,290
Credit loss provision to net charge-offs100.0000%1,808
Earnings coverage of net charge-offs (x)225.0000%309
Efficiency ratio77.3869%1,413
Assets per employee ($millions)3.4212%4,545
Cash dividends to net income (ytd only)*40.1786%1,880
Condition Ratios (%)
Loss allowance to loans1.4374%1,559
Loan loss allowance to noncurrent loans461.5854%1,036
Noncurrent assets plus other real estate owned to assets0.1844%3,755
Noncurrent loans to loans0.3114%3,378
Net loans and leases to total assets58.3539%3,643
Net loans and leases to deposits65.7875%3,879
Net loans and leases to core deposits66.0042%4,083
Total domestic deposits to total assets88.7006%804
Equity capital to assets11.1420%2,736
Core capital (leverage) ratio9.7850%3,664
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$89,635,5004,123
Average earning assets$83,769,5004,109
Average equity$9,668,5004,273
Average total loans$52,337,0004,105
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5329%2,835
Cost of funding earning assets0.1645%5,024
Net interest margin4.3685%953
Noninterest income to average assets0.7618%1,579
Noninterest expense to average assets3.6517%803
Loan and lease loss provision to assets0.0036%3,932
Net operating income to assets1.0605%2,615
Return on assets (ROA)1.0551%2,732
Pretax return on assets1.1540%3,001
Return on Equity (ROE)9.5775%2,487
Retained earnings to average equity (ytd only)0.1623%4,642
Net charge-offs to loans-0.0425%4,794
Credit loss provision to net charge-offs-14.2857%4,112
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.8356%1,389
Assets per employee ($millions)3.6128%4,358
Cash dividends to net income (ytd only)*98.3051%339
Condition Ratios (%)
Loss allowance to loans1.4555%1,349
Loan loss allowance to noncurrent loans564.9254%888
Noncurrent assets plus other real estate owned to assets0.1484%3,890
Noncurrent loans to loans0.2576%3,528
Net loans and leases to total assets56.7466%3,870
Net loans and leases to deposits63.4822%4,107
Net loans and leases to core deposits63.8937%4,281
Total domestic deposits to total assets89.3898%531
Equity capital to assets10.4363%3,508
Core capital (leverage) ratio9.6174%3,939
Tier 1 risk-based capital ratio13.9202%3,310
Total risk-based capital ratio15.1862%3,208
Memoranda:
Average total assets$83,879,8004,230
Average earning assets$77,830,4004,216
Average equity$9,240,4004,340
Average total loans$49,381,4004,199
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5776%2,800
Cost of funding earning assets0.1485%5,125
Net interest margin4.4291%887
Noninterest income to average assets0.7293%1,667
Noninterest expense to average assets3.6513%797
Loan and lease loss provision to assets0.0032%3,799
Net operating income to assets1.0758%2,663
Return on assets (ROA)1.1053%2,640
Pretax return on assets1.2155%2,936
Return on Equity (ROE)9.8903%2,478
Retained earnings to average equity (ytd only)5.5397%2,605
Net charge-offs to loans-0.0575%4,868
Credit loss provision to net charge-offs-9.5238%3,961
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4774%1,391
Assets per employee ($millions)3.3290%4,648
Cash dividends to net income (ytd only)*43.9883%1,972
Condition Ratios (%)
Loss allowance to loans1.5077%1,226
Loan loss allowance to noncurrent loans609.6774%846
Noncurrent assets plus other real estate owned to assets0.1490%3,999
Noncurrent loans to loans0.2473%3,659
Net loans and leases to total assets59.3423%3,737
Net loans and leases to deposits67.9092%3,925
Net loans and leases to core deposits68.3983%4,144
Total domestic deposits to total assets87.3846%1,319
Equity capital to assets11.7851%2,426
Core capital (leverage) ratio10.5562%3,052
Tier 1 risk-based capital ratio14.8345%2,932
Total risk-based capital ratio16.0857%2,857
Memoranda:
Average total assets$82,270,0004,306
Average earning assets$76,311,0004,294
Average equity$9,194,0004,392
Average total loans$48,724,2504,263
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5959%2,690
Cost of funding earning assets0.1472%5,166
Net interest margin4.4487%855
Noninterest income to average assets0.7029%1,702
Noninterest expense to average assets3.6802%769
Loan and lease loss provision to assets0.0024%3,658
Net operating income to assets1.0196%2,842
Return on assets (ROA)1.0152%2,942
Pretax return on assets1.1446%3,097
Return on Equity (ROE)9.2554%2,753
Retained earnings to average equity (ytd only)5.2507%2,641
Net charge-offs to loans-0.0912%4,986
Credit loss provision to net charge-offs-4.5455%3,750
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.1616%1,374
Assets per employee ($millions)3.3017%4,694
Cash dividends to net income (ytd only)*43.2692%2,083
Condition Ratios (%)
Loss allowance to loans1.5539%1,129
Loan loss allowance to noncurrent loans609.6774%859
Noncurrent assets plus other real estate owned to assets0.1502%4,015
Noncurrent loans to loans0.2549%3,619
Net loans and leases to total assets58.0262%3,911
Net loans and leases to deposits65.7433%4,116
Net loans and leases to core deposits66.2141%4,307
Total domestic deposits to total assets88.2617%984
Equity capital to assets11.4826%2,614
Core capital (leverage) ratio10.5455%3,040
Tier 1 risk-based capital ratio15.4328%2,648
Total risk-based capital ratio16.6991%2,567
Memoranda:
Average total assets$81,952,0004,347
Average earning assets$76,067,6704,329
Average equity$8,989,3304,435
Average total loans$48,251,3304,295
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5265%2,783
Cost of funding earning assets0.1428%5,224
Net interest margin4.3837%935
Noninterest income to average assets0.6711%1,723
Noninterest expense to average assets3.6837%765
Loan and lease loss provision to assets0.0049%3,364
Net operating income to assets1.0434%2,685
Return on assets (ROA)1.0336%2,769
Pretax return on assets1.0336%3,334
Return on Equity (ROE)9.6512%2,520
Retained earnings to average equity (ytd only)5.5346%2,680
Net charge-offs to loans-0.0083%4,160
Credit loss provision to net charge-offs-100.0000%3,545
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.8468%1,282
Assets per employee ($millions)3.2642%4,771
Cash dividends to net income (ytd only)*42.6540%1,846
Condition Ratios (%)
Loss allowance to loans1.5434%1,200
Loan loss allowance to noncurrent loans592.7419%907
Noncurrent assets plus other real estate owned to assets0.1520%4,046
Noncurrent loans to loans0.2604%3,632
Net loans and leases to total assets57.4580%3,946
Net loans and leases to deposits64.7347%4,141
Net loans and leases to core deposits65.2001%4,314
Total domestic deposits to total assets88.7591%975
Equity capital to assets11.0313%2,818
Core capital (leverage) ratio10.3081%3,266
Tier 1 risk-based capital ratio15.4257%2,685
Total risk-based capital ratio16.6923%2,589
Memoranda:
Average total assets$81,657,0004,392
Average earning assets$75,643,5004,377
Average equity$8,745,0004,506
Average total loans$48,051,0004,351
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2085%3,421
Cost of funding earning assets0.1886%5,048
Net interest margin4.0200%1,922
Noninterest income to average assets0.6728%1,954
Noninterest expense to average assets3.4485%1,075
Loan and lease loss provision to assets0.0023%4,058
Net operating income to assets0.9194%3,368
Return on assets (ROA)0.8581%3,581
Pretax return on assets0.9130%3,860
Return on Equity (ROE)9.0440%2,974
Retained earnings to average equity (ytd only)4.7029%2,931
Net charge-offs to loans-0.0020%4,234
Credit loss provision to net charge-offs-200.0000%4,475
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.8610%1,143
Assets per employee ($millions)3.1427%4,892
Cash dividends to net income (ytd only)*48.0000%2,070
Condition Ratios (%)
Loss allowance to loans1.5120%1,254
Loan loss allowance to noncurrent loans591.1290%955
Noncurrent assets plus other real estate owned to assets0.1518%4,070
Noncurrent loans to loans0.2558%3,664
Net loans and leases to total assets58.4335%3,918
Net loans and leases to deposits66.2835%4,095
Net loans and leases to core deposits66.5190%4,324
Total domestic deposits to total assets88.1569%1,233
Equity capital to assets10.3880%3,296
Core capital (leverage) ratio10.1544%3,404
Tier 1 risk-based capital ratio14.6542%2,991
Total risk-based capital ratio15.9209%2,908
Memoranda:
Average total assets$87,400,6004,308
Average earning assets$81,667,2004,293
Average equity$8,292,8004,554
Average total loans$50,103,4004,316
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0769%3,713
Cost of funding earning assets0.1922%5,047
Net interest margin3.8848%2,362
Noninterest income to average assets0.6289%2,169
Noninterest expense to average assets3.3309%1,233
Loan and lease loss provision to assets0.0030%3,907
Net operating income to assets0.9367%3,364
Return on assets (ROA)0.8511%3,742
Pretax return on assets0.8511%4,165
Return on Equity (ROE)9.1701%3,013
Retained earnings to average equity (ytd only)4.8034%3,345
Net charge-offs to loans-0.0449%4,892
Credit loss provision to net charge-offs-11.7647%4,090
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.9965%1,123
Assets per employee ($millions)3.4214%4,659
Cash dividends to net income (ytd only)*47.6190%1,682
Condition Ratios (%)
Loss allowance to loans1.3870%1,753
Loan loss allowance to noncurrent loans76.8756%3,877
Noncurrent assets plus other real estate owned to assets1.1850%1,186
Noncurrent loans to loans1.8043%853
Net loans and leases to total assets64.7644%3,337
Net loans and leases to deposits75.7011%3,441
Net loans and leases to core deposits77.0658%3,735
Total domestic deposits to total assets85.5528%2,370
Equity capital to assets9.9558%3,693
Core capital (leverage) ratio10.0451%3,584
Tier 1 risk-based capital ratio13.6655%3,535
Total risk-based capital ratio14.9130%3,452
Memoranda:
Average total assets$88,823,2504,330
Average earning assets$83,263,2504,305
Average equity$8,244,0004,614
Average total loans$50,509,5004,351
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9957%3,797
Cost of funding earning assets0.1896%5,076
Net interest margin3.8061%2,545
Noninterest income to average assets0.6216%2,221
Noninterest expense to average assets3.2155%1,503
Loan and lease loss provision to assets0.0022%3,758
Net operating income to assets0.9752%3,124
Return on assets (ROA)0.9510%3,238
Pretax return on assets0.9510%3,802
Return on Equity (ROE)10.4754%2,343
Retained earnings to average equity (ytd only)6.1207%2,490
Net charge-offs to loans0.0041%3,033
Credit loss provision to net charge-offs100.0000%2,011
Earnings coverage of net charge-offs (x)445.0000%205
Efficiency ratio76.6894%1,349
Assets per employee ($millions)3.7803%4,240
Cash dividends to net income (ytd only)*41.5704%2,047
Condition Ratios (%)
Loss allowance to loans1.4063%1,728
Loan loss allowance to noncurrent loans92.2980%3,609
Noncurrent assets plus other real estate owned to assets0.9523%1,586
Noncurrent loans to loans1.5237%1,097
Net loans and leases to total assets61.6206%3,647
Net loans and leases to deposits72.1488%3,706
Net loans and leases to core deposits73.4675%3,912
Total domestic deposits to total assets85.4077%2,527
Equity capital to assets9.9138%3,711
Core capital (leverage) ratio9.4006%4,245
Tier 1 risk-based capital ratio13.3032%3,731
Total risk-based capital ratio14.2529%3,811
Memoranda:
Average total assets$91,060,0004,337
Average earning assets$85,441,0004,308
Average equity$8,267,0004,652
Average total loans$49,370,0004,416
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7217%4,420
Cost of funding earning assets0.1971%5,036
Net interest margin3.5246%3,441
Noninterest income to average assets0.5894%2,319
Noninterest expense to average assets3.0608%1,922
Loan and lease loss provision to assets0.0042%3,456
Net operating income to assets0.8378%3,566
Return on assets (ROA)0.8378%3,581
Pretax return on assets0.8378%4,061
Return on Equity (ROE)9.6158%2,626
Retained earnings to average equity (ytd only)5.2670%3,050
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.4250%1,315
Assets per employee ($millions)4.2252%3,605
Cash dividends to net income (ytd only)*45.2261%1,651
Condition Ratios (%)
Loss allowance to loans1.4606%1,613
Loan loss allowance to noncurrent loans83.5240%3,756
Noncurrent assets plus other real estate owned to assets0.9850%1,595
Noncurrent loans to loans1.7487%976
Net loans and leases to total assets55.5066%4,157
Net loans and leases to deposits61.2445%4,383
Net loans and leases to core deposits62.2296%4,538
Total domestic deposits to total assets90.6311%434
Equity capital to assets9.1762%4,387
Core capital (leverage) ratio8.4598%5,166
Tier 1 risk-based capital ratio13.6200%3,590
Total risk-based capital ratio14.5985%3,659
Memoranda:
Average total assets$95,006,5004,306
Average earning assets$89,314,0004,279
Average equity$8,278,0004,703
Average total loans$48,065,5004,485
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9070%3,702
Cost of funding earning assets0.2163%4,815
Net interest margin3.6906%2,829
Noninterest income to average assets0.7876%1,619
Noninterest expense to average assets3.5640%938
Loan and lease loss provision to assets0.0036%4,178
Net operating income to assets0.6617%3,775
Return on assets (ROA)0.6653%3,793
Pretax return on assets0.6688%4,583
Return on Equity (ROE)6.7502%3,409
Retained earnings to average equity (ytd only)3.6765%3,037
Net charge-offs to loans0.0158%3,563
Credit loss provision to net charge-offs42.8571%3,413
Earnings coverage of net charge-offs (x)80.4286%771
Efficiency ratio84.1987%754
Assets per employee ($millions)4.4036%3,343
Cash dividends to net income (ytd only)*45.5357%2,558
Condition Ratios (%)
Loss allowance to loans1.5818%1,179
Loan loss allowance to noncurrent loans85.1809%3,809
Noncurrent assets plus other real estate owned to assets0.8461%1,844
Noncurrent loans to loans1.8570%851
Net loans and leases to total assets44.8446%4,940
Net loans and leases to deposits48.9867%5,097
Net loans and leases to core deposits49.6670%5,146
Total domestic deposits to total assets91.5445%130
Equity capital to assets8.3074%5,254
Core capital (leverage) ratio8.5144%5,128
Tier 1 risk-based capital ratio13.9621%3,384
Total risk-based capital ratio14.9952%3,416
Memoranda:
Average total assets$84,175,4004,508
Average earning assets$78,577,8004,484
Average equity$8,296,0004,737
Average total loans$44,174,0004,610
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0328%3,235
Cost of funding earning assets0.1593%5,257
Net interest margin3.8735%2,131
Noninterest income to average assets0.8511%1,422
Noninterest expense to average assets3.7997%669
Loan and lease loss provision to assets0.0033%4,045
Net operating income to assets0.6546%4,175
Return on assets (ROA)0.6975%4,064
Pretax return on assets0.7025%4,599
Return on Equity (ROE)6.7419%3,792
Retained earnings to average equity (ytd only)4.0806%3,493
Net charge-offs to loans0.0061%3,512
Credit loss provision to net charge-offs100.0000%2,276
Earnings coverage of net charge-offs (x)198.2472%438
Efficiency ratio85.1533%679
Assets per employee ($millions)3.2316%5,036
Cash dividends to net income (ytd only)*39.4728%2,312
Condition Ratios (%)
Loss allowance to loans1.6084%1,220
Loan loss allowance to noncurrent loans611.6667%882
Noncurrent assets plus other real estate owned to assets0.1485%4,523
Noncurrent loans to loans0.2630%4,022
Net loans and leases to total assets55.5774%4,267
Net loans and leases to deposits63.0057%4,444
Net loans and leases to core deposits64.1470%4,600
Total domestic deposits to total assets88.2102%1,252
Equity capital to assets10.5459%3,321
Core capital (leverage) ratio9.7400%3,891
Tier 1 risk-based capital ratio14.6659%3,090
Total risk-based capital ratio15.6842%3,135
Memoranda:
Average total assets$79,898,5004,633
Average earning assets$74,488,0004,621
Average equity$8,266,5004,789
Average total loans$43,680,0004,667
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9539%3,366
Cost of funding earning assets0.1562%5,298
Net interest margin3.7977%2,296
Noninterest income to average assets0.8090%1,541
Noninterest expense to average assets3.8693%618
Loan and lease loss provision to assets0.0025%3,848
Net operating income to assets0.4730%4,780
Return on assets (ROA)0.5377%4,620
Pretax return on assets0.5452%4,914
Return on Equity (ROE)5.2310%4,382
Retained earnings to average equity (ytd only)3.3977%3,689
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.9145%510
Assets per employee ($millions)2.9008%5,357
Cash dividends to net income (ytd only)*35.0467%2,576
Condition Ratios (%)
Loss allowance to loans1.6472%1,163
Loan loss allowance to noncurrent loans645.6140%832
Noncurrent assets plus other real estate owned to assets0.1456%4,592
Noncurrent loans to loans0.2551%4,128
Net loans and leases to total assets56.1088%4,217
Net loans and leases to deposits63.7457%4,384
Net loans and leases to core deposits64.9382%4,540
Total domestic deposits to total assets88.0198%1,450
Equity capital to assets10.7430%3,087
Core capital (leverage) ratio9.8805%3,676
Tier 1 risk-based capital ratio14.6020%3,113
Total risk-based capital ratio15.6186%3,156
Memoranda:
Average total assets$79,601,3304,670
Average earning assets$74,256,3304,653
Average equity$8,182,0004,827
Average total loans$43,028,3304,716
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8852%3,446
Cost of funding earning assets0.1601%5,299
Net interest margin3.7251%2,398
Noninterest income to average assets0.7677%1,676
Noninterest expense to average assets4.0079%536
Loan and lease loss provision to assets0.0050%3,493
Net operating income to assets0.2193%5,368
Return on assets (ROA)0.2193%5,379
Pretax return on assets0.2343%5,399
Return on Equity (ROE)2.1820%5,306
Retained earnings to average equity (ytd only)-1.5373%5,128
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.3662%368
Assets per employee ($millions)2.9859%5,363
Cash dividends to net income (ytd only)*170.4545%310
Condition Ratios (%)
Loss allowance to loans1.7617%1,028
Loan loss allowance to noncurrent loans4,083.3333%191
Noncurrent assets plus other real estate owned to assets0.0223%5,245
Noncurrent loans to loans0.0431%5,022
Net loans and leases to total assets50.8391%4,601
Net loans and leases to deposits57.2918%4,745
Net loans and leases to core deposits58.3215%4,864
Total domestic deposits to total assets88.7371%1,295
Equity capital to assets10.0882%3,649
Core capital (leverage) ratio9.3441%4,285
Tier 1 risk-based capital ratio15.1399%2,902
Total risk-based capital ratio16.1390%2,952
Memoranda:
Average total assets$80,241,5004,706
Average earning assets$74,952,0004,682
Average equity$8,066,0004,890
Average total loans$42,202,0004,783
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0914%2,888
Cost of funding earning assets0.1738%5,257
Net interest margin3.9176%1,913
Noninterest income to average assets1.0131%1,109
Noninterest expense to average assets3.8828%706
Loan and lease loss provision to assets0.0039%4,279
Net operating income to assets0.7666%3,467
Return on assets (ROA)0.7666%3,572
Pretax return on assets0.7706%4,266
Return on Equity (ROE)7.0944%3,419
Retained earnings to average equity (ytd only)3.6558%3,315
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.3707%1,068
Assets per employee ($millions)2.8523%5,453
Cash dividends to net income (ytd only)*48.4694%2,385
Condition Ratios (%)
Loss allowance to loans1.7197%1,102
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 assets52.5255%4,565
Net loans and leases to deposits59.1589%4,724
Net loans and leases to core deposits60.4566%4,839
Total domestic deposits to total assets88.7872%1,210
Equity capital to assets10.0158%3,707
Core capital (leverage) ratio9.9996%3,483
Tier 1 risk-based capital ratio15.2882%2,844
Total risk-based capital ratio16.3547%2,852
Memoranda:
Average total assets$76,697,6004,802
Average earning assets$71,344,4004,774
Average equity$8,288,2004,888
Average total loans$41,781,8004,824
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1022%2,867
Cost of funding earning assets0.1797%5,265
Net interest margin3.9225%1,902
Noninterest income to average assets0.9801%1,190
Noninterest expense to average assets3.9662%613
Loan and lease loss provision to assets0.0035%4,151
Net operating income to assets0.6482%4,092
Return on assets (ROA)0.6482%4,217
Pretax return on assets0.6534%4,729
Return on Equity (ROE)5.8847%4,128
Retained earnings to average equity (ytd only)2.2965%4,547
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.7903%840
Assets per employee ($millions)2.7144%5,597
Cash dividends to net income (ytd only)*60.9748%1,395
Condition Ratios (%)
Loss allowance to loans1.7047%1,215
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,556
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets55.6102%4,352
Net loans and leases to deposits64.3475%4,459
Net loans and leases to core deposits65.8708%4,616
Total domestic deposits to total assets86.4218%2,157
Equity capital to assets11.2178%2,780
Core capital (leverage) ratio10.0283%3,538
Tier 1 risk-based capital ratio14.9745%3,062
Total risk-based capital ratio16.0380%3,091
Memoranda:
Average total assets$75,906,0004,849
Average earning assets$70,497,5004,831
Average equity$8,360,5004,924
Average total loans$41,556,5004,871
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0861%2,916
Cost of funding earning assets0.1844%5,284
Net interest margin3.9016%1,972
Noninterest income to average assets0.8461%1,565
Noninterest expense to average assets3.8854%688
Loan and lease loss provision to assets0.0026%3,983
Net operating income to assets0.5746%4,377
Return on assets (ROA)0.5746%4,503
Pretax return on assets0.5825%4,933
Return on Equity (ROE)5.2496%4,409
Retained earnings to average equity (ytd only)1.6375%4,729
Net charge-offs to loans0.0049%3,529
Credit loss provision to net charge-offs100.0000%2,087
Earnings coverage of net charge-offs (x)222.0000%295
Efficiency ratio86.9104%803
Assets per employee ($millions)2.6042%5,732
Cash dividends to net income (ytd only)*68.8073%1,225
Condition Ratios (%)
Loss allowance to loans1.8158%1,058
Loan loss allowance to noncurrent loans112.0795%3,471
Noncurrent assets plus other real estate owned to assets0.8660%2,430
Noncurrent loans to loans1.6201%1,322
Net loans and leases to total assets52.4807%4,629
Net loans and leases to deposits60.0376%4,794
Net loans and leases to core deposits61.4496%4,913
Total domestic deposits to total assets87.4131%1,707
Equity capital to assets11.3158%2,726
Core capital (leverage) ratio9.8461%3,755
Tier 1 risk-based capital ratio15.2605%2,953
Total risk-based capital ratio16.3174%2,986
Memoranda:
Average total assets$75,873,3304,893
Average earning assets$70,483,6704,870
Average equity$8,305,3304,970
Average total loans$41,075,6704,936
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0661%2,979
Cost of funding earning assets0.1866%5,312
Net interest margin3.8794%1,998
Noninterest income to average assets0.7785%1,700
Noninterest expense to average assets3.6713%934
Loan and lease loss provision to assets0.0053%3,606
Net operating income to assets0.6943%3,744
Return on assets (ROA)0.6943%3,851
Pretax return on assets0.7101%4,490
Return on Equity (ROE)6.4508%3,753
Retained earnings to average equity (ytd only)2.0525%4,436
Net charge-offs to loans0.0097%2,799
Credit loss provision to net charge-offs100.0000%1,610
Earnings coverage of net charge-offs (x)136.0000%435
Efficiency ratio83.6930%1,186
Assets per employee ($millions)2.8523%5,644
Cash dividends to net income (ytd only)*68.1818%1,237
Condition Ratios (%)
Loss allowance to loans1.8017%1,150
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 assets51.7355%4,648
Net loans and leases to deposits58.7840%4,795
Net loans and leases to core deposits60.6774%4,895
Total domestic deposits to total assets88.0095%1,633
Equity capital to assets10.7777%3,182
Core capital (leverage) ratio9.6805%3,936
Tier 1 risk-based capital ratio15.5974%2,861
Total risk-based capital ratio16.6483%2,910
Memoranda:
Average total assets$76,048,5004,938
Average earning assets$70,732,0004,905
Average equity$8,185,0005,022
Average total loans$41,429,5004,961
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4355%1,786
Cost of funding earning assets0.2189%5,105
Net interest margin4.2166%1,132
Noninterest income to average assets1.0146%1,142
Noninterest expense to average assets3.8553%805
Loan and lease loss provision to assets0.0040%4,312
Net operating income to assets1.0643%2,073
Return on assets (ROA)1.0750%2,097
Pretax return on assets1.0750%3,172
Return on Equity (ROE)10.1551%1,958
Retained earnings to average equity (ytd only)5.5853%2,025
Net charge-offs to loans-0.1060%5,794
Credit loss provision to net charge-offs-6.5217%4,937
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.3024%1,920
Assets per employee ($millions)2.7810%5,720
Cash dividends to net income (ytd only)*45.0000%2,591
Condition Ratios (%)
Loss allowance to loans1.7311%1,284
Loan loss allowance to noncurrent loans9,150.0000%105
Noncurrent assets plus other real estate owned to assets0.0107%5,662
Noncurrent loans to loans0.0189%5,443
Net loans and leases to total assets55.3419%4,354
Net loans and leases to deposits62.8730%4,558
Net loans and leases to core deposits64.0870%4,736
Total domestic deposits to total assets88.0217%1,613
Equity capital to assets10.7477%3,075
Core capital (leverage) ratio10.2613%3,195
Tier 1 risk-based capital ratio15.1757%3,091
Total risk-based capital ratio16.2969%3,089
Memoranda:
Average total assets$74,416,2004,981
Average earning assets$68,988,8004,960
Average equity$7,877,8005,084
Average total loans$43,389,0004,876
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4283%1,819
Cost of funding earning assets0.2246%5,138
Net interest margin4.2037%1,154
Noninterest income to average assets1.0379%1,108
Noninterest expense to average assets3.9129%731
Loan and lease loss provision to assets0.0036%4,186
Net operating income to assets1.0200%2,378
Return on assets (ROA)1.0684%2,229
Pretax return on assets1.0684%3,337
Return on Equity (ROE)10.1320%2,053
Retained earnings to average equity (ytd only)6.0451%2,217
Net charge-offs to loans0.0030%4,082
Credit loss provision to net charge-offs200.0000%1,330
Earnings coverage of net charge-offs (x)571.4135%130
Efficiency ratio79.2652%1,763
Assets per employee ($millions)2.8780%5,681
Cash dividends to net income (ytd only)*40.3361%2,291
Condition Ratios (%)
Loss allowance to loans1.5294%2,035
Loan loss allowance to noncurrent loans288.6076%1,659
Noncurrent assets plus other real estate owned to assets0.5813%3,544
Noncurrent loans to loans0.5299%3,755
Net loans and leases to total assets58.8515%4,035
Net loans and leases to deposits71.1898%3,853
Net loans and leases to core deposits72.6580%4,131
Total domestic deposits to total assets82.6685%3,933
Equity capital to assets10.7539%3,296
Core capital (leverage) ratio10.4770%3,065
Tier 1 risk-based capital ratio15.2633%3,160
Total risk-based capital ratio16.5163%3,094
Memoranda:
Average total assets$74,248,7505,039
Average earning assets$68,858,2505,019
Average equity$7,829,7505,157
Average total loans$43,664,7504,924
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4013%1,848
Cost of funding earning assets0.2297%5,151
Net interest margin4.1717%1,168
Noninterest income to average assets1.0506%1,073
Noninterest expense to average assets3.9430%726
Loan and lease loss provision to assets0.0027%4,030
Net operating income to assets0.9803%2,499
Return on assets (ROA)0.9668%2,659
Pretax return on assets0.9668%3,712
Return on Equity (ROE)9.2300%2,417
Retained earnings to average equity (ytd only)5.3627%2,632
Net charge-offs to loans0.0046%3,740
Credit loss provision to net charge-offs100.0000%2,033
Earnings coverage of net charge-offs (x)364.0000%188
Efficiency ratio80.0439%1,756
Assets per employee ($millions)2.7166%5,899
Cash dividends to net income (ytd only)*41.8994%2,310
Condition Ratios (%)
Loss allowance to loans1.5504%2,083
Loan loss allowance to noncurrent loans281.0700%1,697
Noncurrent assets plus other real estate owned to assets0.5798%3,672
Noncurrent loans to loans0.5516%3,801
Net loans and leases to total assets57.0178%4,221
Net loans and leases to deposits64.3749%4,501
Net loans and leases to core deposits65.9881%4,655
Total domestic deposits to total assets88.5715%1,377
Equity capital to assets10.1520%3,862
Core capital (leverage) ratio10.2094%3,327
Tier 1 risk-based capital ratio15.7209%2,988
Total risk-based capital ratio16.9732%2,935
Memoranda:
Average total assets$74,055,3305,102
Average earning assets$68,797,6705,064
Average equity$7,757,3305,208
Average total loans$43,312,3304,981
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3056%2,083
Cost of funding earning assets0.2297%5,218
Net interest margin4.0759%1,341
Noninterest income to average assets0.9637%1,205
Noninterest expense to average assets3.8767%796
Loan and lease loss provision to assets0.0055%3,636
Net operating income to assets0.8706%2,896
Return on assets (ROA)0.8706%3,018
Pretax return on assets0.8706%3,993
Return on Equity (ROE)8.1801%2,867
Retained earnings to average equity (ytd only)5.0932%3,009
Net charge-offs to loans-0.0093%4,689
Credit loss provision to net charge-offs-100.0000%4,487
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.5668%1,674
Assets per employee ($millions)2.5723%6,062
Cash dividends to net income (ytd only)*37.7358%2,107
Condition Ratios (%)
Loss allowance to loans1.5690%2,163
Loan loss allowance to noncurrent loans814.2857%646
Noncurrent assets plus other real estate owned to assets0.3780%4,505
Noncurrent loans to loans0.1927%5,092
Net loans and leases to total assets57.5259%4,024
Net loans and leases to deposits65.2188%4,244
Net loans and leases to core deposits66.8901%4,433
Total domestic deposits to total assets88.2045%1,704
Equity capital to assets10.5636%3,466
Core capital (leverage) ratio10.5566%2,899
Tier 1 risk-based capital ratio14.8831%3,491
Total risk-based capital ratio16.1337%3,431
Memoranda:
Average total assets$73,051,0005,170
Average earning assets$67,911,0005,143
Average equity$7,775,0005,248
Average total loans$42,942,0005,027
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8218%1,069
Cost of funding earning assets0.2616%5,204
Net interest margin4.5602%667
Noninterest income to average assets0.9374%1,389
Noninterest expense to average assets4.3863%511
Loan and lease loss provision to assets0.0044%4,523
Net operating income to assets0.6972%3,906
Return on assets (ROA)0.7964%3,492
Pretax return on assets0.8023%4,252
Return on Equity (ROE)7.3932%3,418
Retained earnings to average equity (ytd only)4.0204%3,346
Net charge-offs to loans0.0338%4,154
Credit loss provision to net charge-offs21.4286%3,960
Earnings coverage of net charge-offs (x)34.7143%1,206
Efficiency ratio86.1301%1,156
Assets per employee ($millions)2.6484%6,064
Cash dividends to net income (ytd only)*45.6204%2,528
Condition Ratios (%)
Loss allowance to loans1.6151%2,041
Loan loss allowance to noncurrent loans794.1860%733
Noncurrent assets plus other real estate owned to assets0.3972%4,502
Noncurrent loans to loans0.2034%5,088
Net loans and leases to total assets58.1839%4,025
Net loans and leases to deposits66.1363%4,309
Net loans and leases to core deposits67.6328%4,540
Total domestic deposits to total assets87.9758%1,786
Equity capital to assets10.7264%3,205
Core capital (leverage) ratio10.6648%2,760
Tier 1 risk-based capital ratio14.0034%4,095
Total risk-based capital ratio15.2531%4,020
Memoranda:
Average total assets$68,805,8005,324
Average earning assets$62,694,6005,321
Average equity$7,412,2005,324
Average total loans$41,371,6005,130
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8741%985
Cost of funding earning assets0.2734%5,172
Net interest margin4.6007%615
Noninterest income to average assets0.9217%1,447
Noninterest expense to average assets4.5167%455
Loan and lease loss provision to assets0.0039%4,332
Net operating income to assets0.5767%4,557
Return on assets (ROA)0.7104%3,992
Pretax return on assets0.7182%4,640
Return on Equity (ROE)6.5869%3,910
Retained earnings to average equity (ytd only)3.1392%4,388
Net charge-offs to loans0.0357%3,774
Credit loss provision to net charge-offs18.1818%3,600
Earnings coverage of net charge-offs (x)27.2658%1,456
Efficiency ratio88.4969%959
Assets per employee ($millions)2.5515%6,190
Cash dividends to net income (ytd only)*52.3420%1,727
Condition Ratios (%)
Loss allowance to loans1.5662%2,433
Loan loss allowance to noncurrent loans274.8000%1,654
Noncurrent assets plus other real estate owned to assets0.7548%3,550
Noncurrent loans to loans0.5700%4,210
Net loans and leases to total assets62.6738%3,387
Net loans and leases to deposits71.5842%3,728
Net loans and leases to core deposits73.2728%4,021
Total domestic deposits to total assets87.5526%2,009
Equity capital to assets10.9508%3,003
Core capital (leverage) ratio10.4611%3,088
Tier 1 risk-based capital ratio14.3681%3,968
Total risk-based capital ratio15.6199%3,905
Memoranda:
Average total assets$68,130,7505,399
Average earning assets$61,930,7505,406
Average equity$7,347,7505,371
Average total loans$41,142,5005,188
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8736%953
Cost of funding earning assets0.2796%5,191
Net interest margin4.5940%592
Noninterest income to average assets0.9635%1,300
Noninterest expense to average assets4.5582%424
Loan and lease loss provision to assets0.0059%4,117
Net operating income to assets0.5523%4,592
Return on assets (ROA)0.6188%4,356
Pretax return on assets0.6305%4,848
Return on Equity (ROE)5.7674%4,296
Retained earnings to average equity (ytd only)2.1971%4,791
Net charge-offs to loans0.0746%2,954
Credit loss provision to net charge-offs13.3333%3,276
Earnings coverage of net charge-offs (x)12.8667%2,026
Efficiency ratio88.9080%1,002
Assets per employee ($millions)2.4728%6,315
Cash dividends to net income (ytd only)*61.9048%1,445
Condition Ratios (%)
Loss allowance to loans1.6214%2,388
Loan loss allowance to noncurrent loans1,065.6250%500
Noncurrent assets plus other real estate owned to assets0.3784%4,884
Noncurrent loans to loans0.1522%5,555
Net loans and leases to total assets59.7663%3,761
Net loans and leases to deposits68.0732%4,043
Net loans and leases to core deposits69.1400%4,352
Total domestic deposits to total assets87.7972%2,037
Equity capital to assets10.7918%3,101
Core capital (leverage) ratio10.7801%2,642
Tier 1 risk-based capital ratio14.1862%4,135
Total risk-based capital ratio15.4363%4,067
Memoranda:
Average total assets$67,877,6705,449
Average earning assets$61,514,6705,466
Average equity$7,282,3305,415
Average total loans$40,235,6705,265
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6759%1,312
Cost of funding earning assets0.2766%5,318
Net interest margin4.3993%811
Noninterest income to average assets0.8512%1,552
Noninterest expense to average assets4.3216%540
Loan and lease loss provision to assets0.0060%3,743
Net operating income to assets0.5000%4,690
Return on assets (ROA)0.5000%4,772
Pretax return on assets0.5000%5,169
Return on Equity (ROE)4.6748%4,703
Retained earnings to average equity (ytd only)1.8922%4,835
Net charge-offs to loans-0.0305%5,567
Credit loss provision to net charge-offs-33.3333%4,715
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.5191%1,080
Assets per employee ($millions)2.3611%6,440
Cash dividends to net income (ytd only)*59.5238%1,424
Condition Ratios (%)
Loss allowance to loans1.7986%2,045
Loan loss allowance to noncurrent loans231.8937%1,842
Noncurrent assets plus other real estate owned to assets0.8334%3,640
Noncurrent loans to loans0.7756%3,921
Net loans and leases to total assets57.6455%3,908
Net loans and leases to deposits65.8113%4,119
Net loans and leases to core deposits66.8937%4,410
Total domestic deposits to total assets87.5921%2,466
Equity capital to assets10.9982%2,710
Core capital (leverage) ratio10.6243%2,783
Tier 1 risk-based capital ratio14.9789%3,721
Total risk-based capital ratio16.2314%3,671
Memoranda:
Average total assets$67,197,5005,524
Average earning assets$60,736,5005,545
Average equity$7,187,5005,473
Average total loans$39,322,0005,347
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8552%1,188
Cost of funding earning assets0.3108%5,512
Net interest margin4.5444%673
Noninterest income to average assets1.2425%902
Noninterest expense to average assets4.3730%587
Loan and lease loss provision to assets0.0044%5,029
Net operating income to assets0.9829%2,400
Return on assets (ROA)1.0005%2,388
Pretax return on assets1.0005%3,342
Return on Equity (ROE)9.3710%2,379
Retained earnings to average equity (ytd only)4.1496%3,218
Net charge-offs to loans0.2890%2,241
Credit loss provision to net charge-offs2.6786%4,674
Earnings coverage of net charge-offs (x)6.0089%3,153
Efficiency ratio81.5818%1,931
Assets per employee ($millions)2.5290%6,378
Cash dividends to net income (ytd only)*55.7185%1,981
Condition Ratios (%)
Loss allowance to loans1.7421%2,260
Loan loss allowance to noncurrent loans355.8974%1,288
Noncurrent assets plus other real estate owned to assets0.6663%4,243
Noncurrent loans to loans0.4895%4,770
Net loans and leases to total assets57.3224%4,143
Net loans and leases to deposits64.9595%4,416
Net loans and leases to core deposits65.9834%4,695
Total domestic deposits to total assets88.2432%2,031
Equity capital to assets10.4036%3,282
Core capital (leverage) ratio10.8001%2,574
Tier 1 risk-based capital ratio14.0595%4,260
Total risk-based capital ratio15.3103%4,200
Memoranda:
Average total assets$68,169,0005,532
Average earning assets$61,768,2005,542
Average equity$7,277,8005,503
Average total loans$38,753,0005,404
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8302%1,286
Cost of funding earning assets0.3173%5,578
Net interest margin4.5129%724
Noninterest income to average assets1.3540%794
Noninterest expense to average assets4.4026%575
Loan and lease loss provision to assets0.0039%4,879
Net operating income to assets1.0390%2,231
Return on assets (ROA)1.0390%2,314
Pretax return on assets1.0390%3,346
Return on Equity (ROE)9.6702%2,322
Retained earnings to average equity (ytd only)3.8426%3,949
Net charge-offs to loans0.3950%1,622
Credit loss provision to net charge-offs1.7544%4,322
Earnings coverage of net charge-offs (x)4.6753%3,379
Efficiency ratio80.8480%1,992
Assets per employee ($millions)2.2461%6,619
Cash dividends to net income (ytd only)*60.2644%1,447
Condition Ratios (%)
Loss allowance to loans1.7438%2,477
Loan loss allowance to noncurrent loans348.4848%1,208
Noncurrent assets plus other real estate owned to assets0.7346%4,272
Noncurrent loans to loans0.5004%4,944
Net loans and leases to total assets57.6962%4,059
Net loans and leases to deposits69.3482%3,878
Net loans and leases to core deposits70.5231%4,262
Total domestic deposits to total assets83.1978%4,501
Equity capital to assets10.5307%3,242
Core capital (leverage) ratio10.7915%2,681
Tier 1 risk-based capital ratio14.6264%3,998
Total risk-based capital ratio15.8791%3,944
Memoranda:
Average total assets$68,140,2505,592
Average earning assets$61,777,0005,602
Average equity$7,321,2505,554
Average total loans$38,482,2505,461
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8290%1,267
Cost of funding earning assets0.3254%5,609
Net interest margin4.5036%706
Noninterest income to average assets1.5850%628
Noninterest expense to average assets4.4099%572
Loan and lease loss provision to assets0.0029%4,749
Net operating income to assets1.2604%1,431
Return on assets (ROA)1.2604%1,527
Pretax return on assets1.2604%2,447
Return on Equity (ROE)11.6544%1,590
Retained earnings to average equity (ytd only)4.6239%3,319
Net charge-offs to loans0.4669%1,413
Credit loss provision to net charge-offs1.1236%3,991
Earnings coverage of net charge-offs (x)4.8539%3,019
Efficiency ratio77.7320%2,507
Assets per employee ($millions)2.1920%6,682
Cash dividends to net income (ytd only)*60.3248%1,491
Condition Ratios (%)
Loss allowance to loans1.9335%2,008
Loan loss allowance to noncurrent loans226.9841%1,788
Noncurrent assets plus other real estate owned to assets1.2379%3,275
Noncurrent loans to loans0.8518%4,217
Net loans and leases to total assets55.1483%4,432
Net loans and leases to deposits62.8455%4,646
Net loans and leases to core deposits63.8783%4,907
Total domestic deposits to total assets87.7522%2,412
Equity capital to assets10.7347%3,014
Core capital (leverage) ratio10.5924%2,779
Tier 1 risk-based capital ratio13.4699%4,788
Total risk-based capital ratio14.7203%4,746
Memoranda:
Average total assets$68,392,3305,625
Average earning assets$62,083,3305,624
Average equity$7,396,3305,587
Average total loans$38,120,3305,500
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6348%1,726
Cost of funding earning assets0.3225%5,782
Net interest margin4.3123%948
Noninterest income to average assets1.5723%624
Noninterest expense to average assets4.1429%762
Loan and lease loss provision to assets0.0057%4,363
Net operating income to assets1.3370%1,187
Return on assets (ROA)1.3370%1,283
Pretax return on assets1.3370%2,091
Return on Equity (ROE)12.3199%1,338
Retained earnings to average equity (ytd only)12.3199%654
Net charge-offs to loans-0.1344%6,560
Credit loss provision to net charge-offs-7.6923%4,957
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.5230%3,007
Assets per employee ($millions)2.5156%6,569
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.1892%1,603
Loan loss allowance to noncurrent loans197.3430%1,922
Noncurrent assets plus other real estate owned to assets1.4237%3,130
Noncurrent loans to loans1.1093%3,931
Net loans and leases to total assets53.7425%4,457
Net loans and leases to deposits61.5326%4,609
Net loans and leases to core deposits62.5148%4,902
Total domestic deposits to total assets87.3399%2,731
Equity capital to assets11.2688%2,659
Core capital (leverage) ratio10.3655%2,947
Tier 1 risk-based capital ratio16.5135%2,995
Total risk-based capital ratio17.7715%2,946
Memoranda:
Average total assets$69,709,0005,637
Average earning assets$63,260,5005,637
Average equity$7,565,0005,614
Average total loans$38,690,5005,518
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5883%524
Cost of funding earning assets0.4296%5,726
Net interest margin5.1586%293
Noninterest income to average assets1.5582%646
Noninterest expense to average assets4.3409%652
Loan and lease loss provision to assets0.3663%1,793
Net operating income to assets1.4518%999
Return on assets (ROA)1.4445%1,134
Pretax return on assets1.4548%1,836
Return on Equity (ROE)14.1883%959
Retained earnings to average equity (ytd only)12.8826%260
Net charge-offs to loans0.0193%5,639
Credit loss provision to net charge-offs3,100.0000%78
Earnings coverage of net charge-offs (x)154.7500%271
Efficiency ratio70.3615%3,744
Assets per employee ($millions)2.7498%6,370
Cash dividends to net income (ytd only)*9.2025%4,092
Condition Ratios (%)
Loss allowance to loans2.0044%2,004
Loan loss allowance to noncurrent loans99.3812%3,338
Noncurrent assets plus other real estate owned to assets1.8463%2,647
Noncurrent loans to loans2.0169%2,681
Net loans and leases to total assets54.9094%4,468
Net loans and leases to deposits62.2254%4,762
Net loans and leases to core deposits64.7042%4,876
Total domestic deposits to total assets88.2427%2,069
Equity capital to assets10.4565%3,575
Core capital (leverage) ratio10.3324%2,972
Tier 1 risk-based capital ratio15.2725%3,564
Total risk-based capital ratio16.5291%3,508
Memoranda:
Average total assets$67,704,6005,686
Average earning assets$60,519,8005,727
Average equity$6,893,0005,790
Average total loans$41,416,4005,444
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4724%725
Cost of funding earning assets0.4571%5,745
Net interest margin5.0152%391
Noninterest income to average assets1.4280%737
Noninterest expense to average assets4.3680%619
Loan and lease loss provision to assets0.4554%1,368
Net operating income to assets1.0602%2,254
Return on assets (ROA)1.0246%2,610
Pretax return on assets1.0386%3,567
Return on Equity (ROE)10.1372%2,283
Retained earnings to average equity (ytd only)10.1372%880
Net charge-offs to loans0.0798%4,597
Credit loss provision to net charge-offs912.0000%311
Earnings coverage of net charge-offs (x)30.6424%1,077
Efficiency ratio74.0603%2,973
Assets per employee ($millions)2.6105%6,586
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.8849%2,531
Loan loss allowance to noncurrent loans478.7500%800
Noncurrent assets plus other real estate owned to assets1.1078%4,085
Noncurrent loans to loans0.3937%5,670
Net loans and leases to total assets61.0943%3,553
Net loans and leases to deposits69.7368%3,930
Net loans and leases to core deposits72.8109%4,156
Total domestic deposits to total assets87.6071%2,291
Equity capital to assets10.8362%3,459
Core capital (leverage) ratio9.8399%3,767
Tier 1 risk-based capital ratio14.3712%4,282
Total risk-based capital ratio15.6266%4,249
Memoranda:
Average total assets$66,756,7505,786
Average earning assets$59,497,2505,830
Average equity$6,747,2505,892
Average total loans$41,755,2505,492
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5108%705
Cost of funding earning assets0.4799%5,757
Net interest margin5.0309%382
Noninterest income to average assets1.3917%744
Noninterest expense to average assets4.3952%600
Loan and lease loss provision to assets0.6007%993
Net operating income to assets0.8440%3,173
Return on assets (ROA)0.7910%3,677
Pretax return on assets0.7999%4,474
Return on Equity (ROE)8.0133%3,251
Retained earnings to average equity (ytd only)8.0133%1,635
Net charge-offs to loans0.0142%5,237
Credit loss provision to net charge-offs6,733.3333%44
Earnings coverage of net charge-offs (x)163.0000%281
Efficiency ratio75.1398%2,871
Assets per employee ($millions)2.8335%6,357
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.8357%2,744
Loan loss allowance to noncurrent loans19,050.0000%37
Noncurrent assets plus other real estate owned to assets0.9735%4,426
Noncurrent loans to loans0.0096%6,689
Net loans and leases to total assets59.9224%3,836
Net loans and leases to deposits67.6164%4,267
Net loans and leases to core deposits70.4342%4,479
Total domestic deposits to total assets88.6211%1,749
Equity capital to assets9.9437%4,426
Core capital (leverage) ratio9.4363%4,236
Tier 1 risk-based capital ratio12.4752%5,581
Total risk-based capital ratio13.7286%5,564
Memoranda:
Average total assets$67,254,6705,805
Average earning assets$59,591,6705,855
Average equity$6,639,0005,949
Average total loans$42,127,6705,510
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5773%654
Cost of funding earning assets0.5009%5,815
Net interest margin5.0764%357
Noninterest income to average assets1.6268%549
Noninterest expense to average assets4.3720%615
Loan and lease loss provision to assets0.6938%759
Net operating income to assets1.0466%2,297
Return on assets (ROA)0.9390%2,953
Pretax return on assets0.9390%3,904
Return on Equity (ROE)9.5477%2,583
Retained earnings to average equity (ytd only)9.5477%1,399
Net charge-offs to loans0.0754%3,749
Credit loss provision to net charge-offs1,450.0000%242
Earnings coverage of net charge-offs (x)36.3750%808
Efficiency ratio71.5264%3,525
Assets per employee ($millions)2.8451%6,441
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.5905%3,762
Loan loss allowance to noncurrent loans1,082.2581%365
Noncurrent assets plus other real estate owned to assets1.0544%4,381
Noncurrent loans to loans0.1470%6,393
Net loans and leases to total assets60.8028%3,493
Net loans and leases to deposits68.4675%3,982
Net loans and leases to core deposits71.2988%4,255
Total domestic deposits to total assets88.8054%1,814
Equity capital to assets9.7652%4,431
Core capital (leverage) ratio9.3094%4,344
Tier 1 risk-based capital ratio12.3340%5,730
Total risk-based capital ratio13.5850%5,693
Memoranda:
Average total assets$66,880,5005,860
Average earning assets$59,096,5005,901
Average equity$6,577,5006,001
Average total loans$42,436,0005,535
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9011%517
Cost of funding earning assets0.6916%5,595
Net interest margin5.2095%279
Noninterest income to average assets1.0071%1,352
Noninterest expense to average assets4.2930%725
Loan and lease loss provision to assets1.0588%871
Net operating income to assets0.2388%5,464
Return on assets (ROA)0.2175%5,674
Pretax return on assets0.2175%5,742
Return on Equity (ROE)2.2770%5,552
Retained earnings to average equity (ytd only)2.2770%4,593
Net charge-offs to loans2.6103%430
Credit loss provision to net charge-offs60.4692%5,159
Earnings coverage of net charge-offs (x)0.7411%5,251
Efficiency ratio76.7891%2,773
Assets per employee ($millions)2.8469%6,386
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.3190%4,810
Loan loss allowance to noncurrent loans804.2857%471
Noncurrent assets plus other real estate owned to assets1.1118%4,384
Noncurrent loans to loans0.1640%6,426
Net loans and leases to total assets64.3269%3,115
Net loans and leases to deposits72.5694%3,724
Net loans and leases to core deposits76.0508%3,974
Total domestic deposits to total assets88.6420%1,758
Equity capital to assets9.9071%4,295
Core capital (leverage) ratio9.4723%4,073
Tier 1 risk-based capital ratio11.9902%5,844
Total risk-based capital ratio13.0973%5,914
Memoranda:
Average total assets$65,735,4005,873
Average earning assets$57,836,6005,936
Average equity$6,280,2006,083
Average total loans$44,095,2005,513
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9313%531
Cost of funding earning assets0.7443%5,498
Net interest margin5.1870%296
Noninterest income to average assets1.1185%1,063
Noninterest expense to average assets4.2856%725
Loan and lease loss provision to assets1.1712%678
Net operating income to assets0.2229%5,640
Return on assets (ROA)0.1945%5,845
Pretax return on assets0.1945%5,905
Return on Equity (ROE)2.0551%5,756
Retained earnings to average equity (ytd only)2.0551%5,108
Net charge-offs to loans2.8317%349
Credit loss provision to net charge-offs61.2288%4,772
Earnings coverage of net charge-offs (x)0.7288%5,068
Efficiency ratio75.4549%2,927
Assets per employee ($millions)2.6519%6,721
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.5120%4,041
Loan loss allowance to noncurrent loans51.5008%4,917
Noncurrent assets plus other real estate owned to assets2.3663%2,715
Noncurrent loans to loans2.9358%2,373
Net loans and leases to total assets66.7311%2,732
Net loans and leases to deposits75.6506%3,382
Net loans and leases to core deposits79.4281%3,718
Total domestic deposits to total assets88.2096%1,918
Equity capital to assets10.1893%4,102
Core capital (leverage) ratio9.2604%4,529
Tier 1 risk-based capital ratio11.8708%5,985
Total risk-based capital ratio13.1219%5,967
Memoranda:
Average total assets$65,799,7505,918
Average earning assets$57,860,7505,981
Average equity$6,228,5006,135
Average total loans$44,448,2505,538
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8932%589
Cost of funding earning assets0.7751%5,535
Net interest margin5.1181%323
Noninterest income to average assets1.1065%1,059
Noninterest expense to average assets4.2274%808
Loan and lease loss provision to assets1.2839%584
Net operating income to assets0.1022%6,009
Return on assets (ROA)0.0601%6,176
Pretax return on assets0.0601%6,171
Return on Equity (ROE)0.6511%6,158
Retained earnings to average equity (ytd only)0.6511%5,595
Net charge-offs to loans2.4861%479
Credit loss provision to net charge-offs76.5233%3,870
Earnings coverage of net charge-offs (x)0.8262%4,683
Efficiency ratio75.3080%3,137
Assets per employee ($millions)2.8272%6,424
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.9784%2,428
Loan loss allowance to noncurrent loans68.0737%4,037
Noncurrent assets plus other real estate owned to assets2.3729%2,779
Noncurrent loans to loans2.9063%2,510
Net loans and leases to total assets67.5848%2,695
Net loans and leases to deposits76.0974%3,448
Net loans and leases to core deposits80.7315%3,686
Total domestic deposits to total assets88.8135%1,659
Equity capital to assets9.6947%4,542
Core capital (leverage) ratio8.6429%5,321
Tier 1 risk-based capital ratio11.3670%6,274
Total risk-based capital ratio12.6221%6,259
Memoranda:
Average total assets$66,518,0005,940
Average earning assets$58,576,3306,011
Average equity$6,143,0006,192
Average total loans$44,890,0005,567
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9197%573
Cost of funding earning assets0.8156%5,496
Net interest margin5.1041%305
Noninterest income to average assets1.2726%785
Noninterest expense to average assets4.0675%959
Loan and lease loss provision to assets2.1705%247
Net operating income to assets-0.4995%6,805
Return on assets (ROA)-0.5828%6,862
Pretax return on assets-0.5828%6,809
Return on Equity (ROE)-6.4660%6,891
Retained earnings to average equity (ytd only)-6.4660%6,632
Net charge-offs to loans5.1917%142
Credit loss provision to net charge-offs62.6072%3,498
Earnings coverage of net charge-offs (x)0.4820%4,262
Efficiency ratio70.8808%4,077
Assets per employee ($millions)3.0971%5,958
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.8273%2,928
Loan loss allowance to noncurrent loans85.7449%3,327
Noncurrent assets plus other real estate owned to assets1.7216%3,670
Noncurrent loans to loans2.1311%3,405
Net loans and leases to total assets63.0797%3,633
Net loans and leases to deposits70.2265%4,312
Net loans and leases to core deposits76.2151%4,277
Total domestic deposits to total assets89.8233%1,263
Equity capital to assets8.8529%5,414
Core capital (leverage) ratio8.2324%5,932
Tier 1 risk-based capital ratio11.2301%6,327
Total risk-based capital ratio12.4837%6,294
Memoranda:
Average total assets$67,264,5005,959
Average earning assets$58,854,5006,035
Average equity$6,062,5006,224
Average total loans$44,918,0005,616
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4381%348
Cost of funding earning assets1.2136%4,467
Net interest margin5.2245%276
Noninterest income to average assets1.4057%738
Noninterest expense to average assets4.2293%875
Loan and lease loss provision to assets0.7669%2,133
Net operating income to assets0.9236%2,304
Return on assets (ROA)0.6855%3,409
Pretax return on assets0.6795%4,048
Return on Equity (ROE)7.5409%2,876
Retained earnings to average equity (ytd only)0.3149%5,425
Net charge-offs to loans1.6696%1,300
Credit loss provision to net charge-offs64.6760%5,990
Earnings coverage of net charge-offs (x)1.4206%4,695
Efficiency ratio71.5159%3,886
Assets per employee ($millions)2.7664%6,580
Cash dividends to net income (ytd only)*95.8242%457
Condition Ratios (%)
Loss allowance to loans2.2104%1,849
Loan loss allowance to noncurrent loans62.8007%4,261
Noncurrent assets plus other real estate owned to assets2.8166%2,491
Noncurrent loans to loans3.5196%2,146
Net loans and leases to total assets67.8355%3,020
Net loans and leases to deposits75.8765%3,862
Net loans and leases to core deposits84.1737%3,568
Total domestic deposits to total assets89.4025%1,439
Equity capital to assets9.1772%4,874
Core capital (leverage) ratio9.0062%4,543
Tier 1 risk-based capital ratio11.3016%6,091
Total risk-based capital ratio12.5603%6,072
Memoranda:
Average total assets$66,370,6005,985
Average earning assets$57,268,6006,089
Average equity$6,033,8006,351
Average total loans$47,138,2005,593
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4625%369
Cost of funding earning assets1.2837%4,338
Net interest margin5.1788%310
Noninterest income to average assets1.2737%849
Noninterest expense to average assets4.1467%880
Loan and lease loss provision to assets0.6208%2,453
Net operating income to assets0.9884%2,281
Return on assets (ROA)0.6288%3,924
Pretax return on assets0.6208%4,525
Return on Equity (ROE)6.9334%3,378
Retained earnings to average equity (ytd only)-1.9493%6,194
Net charge-offs to loans1.9377%980
Credit loss provision to net charge-offs44.8476%5,962
Earnings coverage of net charge-offs (x)1.1568%4,908
Efficiency ratio72.1426%3,666
Assets per employee ($millions)2.6306%6,881
Cash dividends to net income (ytd only)*128.1151%187
Condition Ratios (%)
Loss allowance to loans1.9432%2,371
Loan loss allowance to noncurrent loans72.9880%3,666
Noncurrent assets plus other real estate owned to assets2.0010%3,467
Noncurrent loans to loans2.6623%2,970
Net loans and leases to total assets70.2840%2,670
Net loans and leases to deposits80.1217%3,427
Net loans and leases to core deposits90.4277%3,038
Total domestic deposits to total assets87.7216%2,147
Equity capital to assets9.2434%5,237
Core capital (leverage) ratio8.8675%4,897
Tier 1 risk-based capital ratio11.0235%6,356
Total risk-based capital ratio12.2794%6,327
Memoranda:
Average total assets$66,365,0006,053
Average earning assets$57,334,5006,150
Average equity$6,019,0006,438
Average total loans$47,408,7505,664
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4173%394
Cost of funding earning assets1.3349%4,297
Net interest margin5.0824%357
Noninterest income to average assets1.1117%1,065
Noninterest expense to average assets4.0592%972
Loan and lease loss provision to assets0.0060%6,826
Net operating income to assets1.4512%986
Return on assets (ROA)0.8984%2,677
Pretax return on assets0.8864%3,553
Return on Equity (ROE)9.9683%2,118
Retained earnings to average equity (ytd only)-1.4002%6,045
Net charge-offs to loans2.4674%707
Credit loss provision to net charge-offs0.3413%6,001
Earnings coverage of net charge-offs (x)0.8208%4,954
Efficiency ratio73.7445%3,522
Assets per employee ($millions)2.6336%6,888
Cash dividends to net income (ytd only)*114.0468%329
Condition Ratios (%)
Loss allowance to loans1.5238%3,800
Loan loss allowance to noncurrent loans51.9708%4,842
Noncurrent assets plus other real estate owned to assets2.1111%3,363
Noncurrent loans to loans2.9321%2,730
Net loans and leases to total assets69.8835%2,930
Net loans and leases to deposits79.7269%3,646
Net loans and leases to core deposits90.9166%3,138
Total domestic deposits to total assets87.6536%2,179
Equity capital to assets9.0567%5,356
Core capital (leverage) ratio8.8698%4,802
Tier 1 risk-based capital ratio10.1412%6,947
Total risk-based capital ratio11.3659%6,931
Memoranda:
Average total assets$66,564,6706,083
Average earning assets$57,531,6706,186
Average equity$5,999,0006,465
Average total loans$47,498,6705,701
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2883%538
Cost of funding earning assets1.3989%4,181
Net interest margin4.8893%531
Noninterest income to average assets1.1176%1,005
Noninterest expense to average assets3.7833%1,351
Loan and lease loss provision to assets-0.6515%7,906
Net operating income to assets2.2293%242
Return on assets (ROA)1.5838%831
Pretax return on assets1.5599%1,365
Return on Equity (ROE)17.6168%548
Retained earnings to average equity (ytd only)8.2433%1,607
Net charge-offs to loans-0.5012%7,798
Credit loss provision to net charge-offs181.6667%2,019
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8847%4,138
Assets per employee ($millions)2.6542%6,950
Cash dividends to net income (ytd only)*53.2075%1,408
Condition Ratios (%)
Loss allowance to loans2.6172%1,157
Loan loss allowance to noncurrent loans80.7120%3,377
Noncurrent assets plus other real estate owned to assets2.4489%2,969
Noncurrent loans to loans3.2427%2,464
Net loans and leases to total assets69.9254%2,957
Net loans and leases to deposits79.8551%3,681
Net loans and leases to core deposits90.9713%3,232
Total domestic deposits to total assets87.5654%2,325
Equity capital to assets9.1915%4,999
Core capital (leverage) ratio9.0052%4,558
Tier 1 risk-based capital ratio10.9429%6,214
Total risk-based capital ratio12.2061%6,173
Memoranda:
Average total assets$66,926,5006,140
Average earning assets$57,758,5006,255
Average equity$6,017,0006,514
Average total loans$47,886,0005,763
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4914%683
Cost of funding earning assets1.9602%3,155
Net interest margin4.5312%1,111
Noninterest income to average assets2.3753%295
Noninterest expense to average assets3.9510%1,437
Loan and lease loss provision to assets1.8988%1,174
Net operating income to assets0.5433%3,559
Return on assets (ROA)0.4869%3,882
Pretax return on assets0.4957%4,197
Return on Equity (ROE)5.8242%3,287
Retained earnings to average equity (ytd only)0.6001%4,567
Net charge-offs to loans1.2106%2,035
Credit loss provision to net charge-offs218.1356%1,740
Earnings coverage of net charge-offs (x)2.8169%3,683
Efficiency ratio61.7051%6,203
Assets per employee ($millions)2.8124%6,637
Cash dividends to net income (ytd only)*89.6970%868
Condition Ratios (%)
Loss allowance to loans2.6929%1,019
Loan loss allowance to noncurrent loans57.3959%4,554
Noncurrent assets plus other real estate owned to assets3.3971%1,995
Noncurrent loans to loans4.6919%1,497
Net loans and leases to total assets69.3798%3,394
Net loans and leases to deposits78.8291%4,210
Net loans and leases to core deposits97.1859%4,326
Total domestic deposits to total assets88.0130%1,972
Equity capital to assets8.7929%5,453
Core capital (leverage) ratio8.8990%4,587
Tier 1 risk-based capital ratio10.4305%6,465
Total risk-based capital ratio11.7718%6,350
Memoranda:
Average total assets$67,780,4006,084
Average earning assets$60,249,2006,115
Average equity$5,666,0006,722
Average total loans$48,736,4005,730
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5395%691
Cost of funding earning assets2.0512%3,115
Net interest margin4.4884%1,223
Noninterest income to average assets1.6880%517
Noninterest expense to average assets4.0991%1,152
Loan and lease loss provision to assets2.0220%889
Net operating income to assets-0.4244%6,352
Return on assets (ROA)-0.4244%6,349
Pretax return on assets-0.4127%6,215
Return on Equity (ROE)-5.1438%6,471
Retained earnings to average equity (ytd only)-11.4070%6,908
Net charge-offs to loans2.0045%981
Credit loss provision to net charge-offs140.0000%3,519
Earnings coverage of net charge-offs (x)1.1143%4,948
Efficiency ratio71.8072%4,280
Assets per employee ($millions)2.6748%6,903
Cash dividends to net income (ytd only)*-121.7612%8,016
Condition Ratios (%)
Loss allowance to loans1.8676%2,108
Loan loss allowance to noncurrent loans43.9036%5,385
Noncurrent assets plus other real estate owned to assets3.3917%1,970
Noncurrent loans to loans4.2539%1,692
Net loans and leases to total assets70.1690%3,469
Net loans and leases to deposits80.4920%4,298
Net loans and leases to core deposits101.2057%4,243
Total domestic deposits to total assets87.1751%2,090
Equity capital to assets7.9378%6,903
Core capital (leverage) ratio7.9815%6,392
Tier 1 risk-based capital ratio9.5276%7,348
Total risk-based capital ratio10.7819%7,313
Memoranda:
Average total assets$67,851,0006,112
Average earning assets$60,777,5006,149
Average equity$5,598,7506,818
Average total loans$48,889,0005,763
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5899%672
Cost of funding earning assets2.0981%3,272
Net interest margin4.4918%1,183
Noninterest income to average assets1.9420%393
Noninterest expense to average assets4.0864%1,205
Loan and lease loss provision to assets0.8859%1,904
Net operating income to assets1.0091%2,073
Return on assets (ROA)1.0091%2,168
Pretax return on assets1.0267%2,898
Return on Equity (ROE)12.0794%1,389
Retained earnings to average equity (ytd only)5.7588%2,140
Net charge-offs to loans-0.0569%7,866
Credit loss provision to net charge-offs-2,157.1429%7,185
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.1174%5,139
Assets per employee ($millions)2.6254%7,004
Cash dividends to net income (ytd only)*52.3256%1,952
Condition Ratios (%)
Loss allowance to loans1.8956%1,806
Loan loss allowance to noncurrent loans33.9896%6,193
Noncurrent assets plus other real estate owned to assets4.4359%1,272
Noncurrent loans to loans5.5771%1,034
Net loans and leases to total assets69.3720%3,856
Net loans and leases to deposits81.5057%4,299
Net loans and leases to core deposits105.9492%3,849
Total domestic deposits to total assets85.1130%3,211
Equity capital to assets8.5950%5,901
Core capital (leverage) ratio8.8634%4,841
Tier 1 risk-based capital ratio10.4296%6,443
Total risk-based capital ratio11.6831%6,389
Memoranda:
Average total assets$68,178,0006,145
Average earning assets$61,578,6706,163
Average equity$5,695,6706,835
Average total loans$49,247,0005,800
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6252%676
Cost of funding earning assets2.1068%3,621
Net interest margin4.5184%1,088
Noninterest income to average assets2.0958%336
Noninterest expense to average assets3.9098%1,297
Loan and lease loss provision to assets0.8865%1,476
Net operating income to assets1.3561%1,247
Return on assets (ROA)1.3561%1,335
Pretax return on assets1.3913%1,991
Return on Equity (ROE)16.4706%756
Retained earnings to average equity (ytd only)10.0535%1,177
Net charge-offs to loans0.0241%5,211
Credit loss provision to net charge-offs5,033.3333%145
Earnings coverage of net charge-offs (x)129.3333%337
Efficiency ratio63.1879%5,835
Assets per employee ($millions)2.7003%6,882
Cash dividends to net income (ytd only)*38.9610%2,095
Condition Ratios (%)
Loss allowance to loans1.5166%2,883
Loan loss allowance to noncurrent loans20.8951%7,118
Noncurrent assets plus other real estate owned to assets5.7934%709
Noncurrent loans to loans7.2581%531
Net loans and leases to total assets71.8552%3,275
Net loans and leases to deposits84.1627%3,958
Net loans and leases to core deposits108.0790%3,665
Total domestic deposits to total assets85.3765%3,023
Equity capital to assets8.3827%6,266
Core capital (leverage) ratio8.6448%5,268
Tier 1 risk-based capital ratio10.0556%6,846
Total risk-based capital ratio11.2955%6,777
Memoranda:
Average total assets$68,136,5006,172
Average earning assets$61,703,5006,184
Average equity$5,610,0006,915
Average total loans$49,736,0005,807
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8882%1,431
Cost of funding earning assets2.2107%5,552
Net interest margin4.6775%1,014
Noninterest income to average assets0.9315%1,847
Noninterest expense to average assets3.7129%1,931
Loan and lease loss provision to assets0.3835%3,396
Net operating income to assets1.0711%2,253
Return on assets (ROA)-0.3012%6,599
Pretax return on assets-0.2968%6,458
Return on Equity (ROE)-3.3337%6,664
Retained earnings to average equity (ytd only)-10.1636%7,083
Net charge-offs to loans0.3280%3,209
Credit loss provision to net charge-offs170.5882%2,996
Earnings coverage of net charge-offs (x)6.4902%3,350
Efficiency ratio71.7898%3,977
Assets per employee ($millions)2.7506%6,675
Cash dividends to net income (ytd only)*-204.8780%8,202
Condition Ratios (%)
Loss allowance to loans1.1928%4,592
Loan loss allowance to noncurrent loans24.8754%7,013
Noncurrent assets plus other real estate owned to assets3.8319%1,105
Noncurrent loans to loans4.7952%950
Net loans and leases to total assets72.1559%3,549
Net loans and leases to deposits84.0556%4,417
Net loans and leases to core deposits107.6569%4,005
Total domestic deposits to total assets85.8431%2,476
Equity capital to assets8.0870%6,722
Core capital (leverage) ratio8.5147%5,551
Tier 1 risk-based capital ratio9.9480%6,798
Total risk-based capital ratio10.9532%6,983
Memoranda:
Average total assets$68,060,0006,089
Average earning assets$61,699,4006,100
Average equity$6,149,4006,752
Average total loans$46,645,0005,840