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Compass Bank, Performance and Condition Ratios

2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8691%4,019
Cost of funding earning assets0.6357%1,805
Net interest margin3.2334%4,360
Noninterest income to average assets0.8717%1,227
Noninterest expense to average assets2.3265%4,126
Loan and lease loss provision to assets0.2635%537
Net operating income to assets0.9280%3,167
Return on assets (ROA)0.9240%3,204
Pretax return on assets1.1534%2,962
Return on Equity (ROE)6.5801%3,951
Retained earnings to average equity (ytd only)6.5801%2,460
Net charge-offs to loans0.4370%350
Credit loss provision to net charge-offs84.2154%1,702
Earnings coverage of net charge-offs (x)4.5421%2,294
Efficiency ratio61.8791%3,805
Assets per employee ($millions)8.5006%529
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.3359%2,076
Loan loss allowance to noncurrent loans119.9271%3,127
Noncurrent assets plus other real estate owned to assets0.8510%1,857
Noncurrent loans to loans1.1139%1,645
Net loans and leases to total assets70.9508%2,336
Net loans and leases to deposits87.5067%1,994
Net loans and leases to core deposits103.2647%1,437
Total domestic deposits to total assets81.0804%4,178
Equity capital to assets14.1065%863
Core capital (leverage) ratio9.2100%4,422
Tier 1 risk-based capital ratio11.1461%5,058
Total risk-based capital ratio13.6781%4,184
Memoranda:
Average total assets$86,558,608,50032
Average earning assets$76,996,366,50033
Average equity$12,155,095,00028
Average total loans$61,987,570,00026
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6429%4,468
Cost of funding earning assets0.5234%2,155
Net interest margin3.1195%4,648
Noninterest income to average assets0.8739%1,347
Noninterest expense to average assets2.4491%3,940
Loan and lease loss provision to assets0.3402%481
Net operating income to assets0.5006%4,378
Return on assets (ROA)0.5003%4,412
Pretax return on assets0.8452%4,108
Return on Equity (ROE)3.4854%4,691
Retained earnings to average equity (ytd only)0.1899%4,942
Net charge-offs to loans0.4689%504
Credit loss provision to net charge-offs101.5772%2,521
Earnings coverage of net charge-offs (x)3.5361%3,591
Efficiency ratio67.0741%3,066
Assets per employee ($millions)8.5946%512
Cash dividends to net income (ytd only)*94.5508%460
Condition Ratios (%)
Loss allowance to loans1.3661%1,902
Loan loss allowance to noncurrent loans117.3770%3,243
Noncurrent assets plus other real estate owned to assets0.8837%1,762
Noncurrent loans to loans1.1639%1,525
Net loans and leases to total assets70.3407%2,471
Net loans and leases to deposits87.4303%2,089
Net loans and leases to core deposits103.9337%1,419
Total domestic deposits to total assets80.4534%4,259
Equity capital to assets13.9787%920
Core capital (leverage) ratio9.1040%4,519
Tier 1 risk-based capital ratio10.8897%5,205
Total risk-based capital ratio13.4264%4,307
Memoranda:
Average total assets$84,556,274,60031
Average earning assets$74,802,136,00033
Average equity$12,137,855,40029
Average total loans$60,408,640,60025
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6058%4,540
Cost of funding earning assets0.5042%2,232
Net interest margin3.1016%4,711
Noninterest income to average assets0.8318%1,470
Noninterest expense to average assets2.4056%4,005
Loan and lease loss provision to assets0.3630%405
Net operating income to assets0.6039%4,377
Return on assets (ROA)0.6049%4,416
Pretax return on assets0.8066%4,333
Return on Equity (ROE)4.1856%4,799
Retained earnings to average equity (ytd only)0.7836%5,040
Net charge-offs to loans0.4838%423
Credit loss provision to net charge-offs104.9653%2,206
Earnings coverage of net charge-offs (x)3.3762%3,348
Efficiency ratio66.9896%3,051
Assets per employee ($millions)8.6421%494
Cash dividends to net income (ytd only)*81.2791%620
Condition Ratios (%)
Loss allowance to loans1.4060%1,862
Loan loss allowance to noncurrent loans119.4556%3,229
Noncurrent assets plus other real estate owned to assets0.9027%1,893
Noncurrent loans to loans1.1770%1,633
Net loans and leases to total assets70.2988%2,513
Net loans and leases to deposits87.9561%2,072
Net loans and leases to core deposits104.6183%1,350
Total domestic deposits to total assets79.9249%4,329
Equity capital to assets14.4009%882
Core capital (leverage) ratio9.2661%4,447
Tier 1 risk-based capital ratio11.1487%5,161
Total risk-based capital ratio13.7084%4,254
Memoranda:
Average total assets$84,069,132,50031
Average earning assets$74,301,138,00033
Average equity$12,149,257,25029
Average total loans$60,088,081,25025
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5554%4,620
Cost of funding earning assets0.4768%2,360
Net interest margin3.0786%4,730
Noninterest income to average assets0.8234%1,487
Noninterest expense to average assets2.3893%4,078
Loan and lease loss provision to assets0.2991%515
Net operating income to assets0.6296%4,169
Return on assets (ROA)0.6271%4,224
Pretax return on assets0.8520%4,091
Return on Equity (ROE)4.3340%4,717
Retained earnings to average equity (ytd only)-0.7760%5,203
Net charge-offs to loans0.4893%401
Credit loss provision to net charge-offs85.4591%2,205
Earnings coverage of net charge-offs (x)3.2963%3,066
Efficiency ratio67.0955%3,164
Assets per employee ($millions)8.5338%504
Cash dividends to net income (ytd only)*117.9052%309
Condition Ratios (%)
Loss allowance to loans1.3626%2,102
Loan loss allowance to noncurrent loans99.5414%3,578
Noncurrent assets plus other real estate owned to assets1.0456%1,677
Noncurrent loans to loans1.3689%1,414
Net loans and leases to total assets70.4480%2,455
Net loans and leases to deposits89.3035%1,829
Net loans and leases to core deposits104.4897%1,324
Total domestic deposits to total assets78.8860%4,642
Equity capital to assets14.3895%855
Core capital (leverage) ratio9.2100%4,474
Tier 1 risk-based capital ratio10.9911%5,255
Total risk-based capital ratio13.5530%4,313
Memoranda:
Average total assets$83,858,462,00031
Average earning assets$74,082,098,00032
Average equity$12,133,109,33029
Average total loans$59,986,446,00025
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4668%4,781
Cost of funding earning assets0.4792%2,254
Net interest margin2.9877%4,913
Noninterest income to average assets0.8113%1,513
Noninterest expense to average assets2.3450%4,276
Loan and lease loss provision to assets0.3825%298
Net operating income to assets0.5306%4,463
Return on assets (ROA)0.5277%4,519
Pretax return on assets0.7190%4,390
Return on Equity (ROE)3.6371%4,903
Retained earnings to average equity (ytd only)3.6371%3,617
Net charge-offs to loans0.5622%315
Credit loss provision to net charge-offs95.0347%1,650
Earnings coverage of net charge-offs (x)2.7450%2,557
Efficiency ratio67.6274%3,264
Assets per employee ($millions)8.5319%498
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.3953%2,099
Loan loss allowance to noncurrent loans93.4269%3,727
Noncurrent assets plus other real estate owned to assets1.1362%1,557
Noncurrent loans to loans1.4934%1,341
Net loans and leases to total assets70.1842%2,345
Net loans and leases to deposits86.8204%1,934
Net loans and leases to core deposits99.2905%1,559
Total domestic deposits to total assets80.8383%4,448
Equity capital to assets14.5540%738
Core capital (leverage) ratio9.3480%4,281
Tier 1 risk-based capital ratio11.2324%5,184
Total risk-based capital ratio13.8648%4,224
Memoranda:
Average total assets$83,814,335,00030
Average earning assets$74,017,183,50032
Average equity$12,159,897,50026
Average total loans$60,001,810,00024
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2689%5,208
Cost of funding earning assets0.5110%2,007
Net interest margin2.7579%5,346
Noninterest income to average assets0.8440%1,600
Noninterest expense to average assets2.3881%4,329
Loan and lease loss provision to assets0.3531%483
Net operating income to assets0.3983%4,950
Return on assets (ROA)0.4218%4,954
Pretax return on assets0.5737%4,868
Return on Equity (ROE)2.9790%5,169
Retained earnings to average equity (ytd only)0.7535%5,022
Net charge-offs to loans0.3710%732
Credit loss provision to net charge-offs133.3173%2,035
Earnings coverage of net charge-offs (x)3.3761%3,677
Efficiency ratio70.0424%2,896
Assets per employee ($millions)8.9245%428
Cash dividends to net income (ytd only)*74.7057%1,110
Condition Ratios (%)
Loss allowance to loans1.3920%2,115
Loan loss allowance to noncurrent loans85.2640%3,907
Noncurrent assets plus other real estate owned to assets1.2446%1,435
Noncurrent loans to loans1.6326%1,195
Net loans and leases to total assets71.0001%2,333
Net loans and leases to deposits87.9130%1,936
Net loans and leases to core deposits100.3184%1,593
Total domestic deposits to total assets80.7618%4,402
Equity capital to assets14.4621%742
Core capital (leverage) ratio9.1425%4,559
Tier 1 risk-based capital ratio10.9462%5,369
Total risk-based capital ratio13.5614%4,385
Memoranda:
Average total assets$85,683,545,40030
Average earning assets$75,756,967,00030
Average equity$12,132,282,60027
Average total loans$61,184,150,60023
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2273%5,323
Cost of funding earning assets0.5072%2,047
Net interest margin2.7201%5,467
Noninterest income to average assets0.8213%1,682
Noninterest expense to average assets2.3127%4,502
Loan and lease loss provision to assets0.4100%349
Net operating income to assets0.3916%5,043
Return on assets (ROA)0.4248%5,035
Pretax return on assets0.5493%5,005
Return on Equity (ROE)3.0156%5,213
Retained earnings to average equity (ytd only)0.7095%5,173
Net charge-offs to loans0.3595%626
Credit loss provision to net charge-offs160.0219%1,703
Earnings coverage of net charge-offs (x)3.5734%3,393
Efficiency ratio71.0532%2,732
Assets per employee ($millions)8.9119%425
Cash dividends to net income (ytd only)*76.4726%845
Condition Ratios (%)
Loss allowance to loans1.4293%2,066
Loan loss allowance to noncurrent loans74.8229%4,151
Noncurrent assets plus other real estate owned to assets1.4281%1,287
Noncurrent loans to loans1.9103%1,044
Net loans and leases to total assets69.9560%2,494
Net loans and leases to deposits87.6129%2,067
Net loans and leases to core deposits101.1911%1,543
Total domestic deposits to total assets79.7091%4,576
Equity capital to assets14.3445%917
Core capital (leverage) ratio8.8825%4,964
Tier 1 risk-based capital ratio10.7852%5,479
Total risk-based capital ratio13.5023%4,539
Memoranda:
Average total assets$86,194,313,00030
Average earning assets$76,267,570,50030
Average equity$12,141,304,50026
Average total loans$61,424,410,25023
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2015%5,425
Cost of funding earning assets0.5042%2,069
Net interest margin2.6973%5,572
Noninterest income to average assets0.8232%1,634
Noninterest expense to average assets2.3168%4,562
Loan and lease loss provision to assets0.4617%301
Net operating income to assets0.3332%5,231
Return on assets (ROA)0.3840%5,159
Pretax return on assets0.5002%5,126
Return on Equity (ROE)2.7426%5,317
Retained earnings to average equity (ytd only)-0.7214%5,402
Net charge-offs to loans0.3869%586
Credit loss provision to net charge-offs167.2394%1,476
Earnings coverage of net charge-offs (x)3.2429%3,142
Efficiency ratio71.5383%2,740
Assets per employee ($millions)8.7951%419
Cash dividends to net income (ytd only)*126.3029%302
Condition Ratios (%)
Loss allowance to loans1.3644%2,471
Loan loss allowance to noncurrent loans77.4927%4,174
Noncurrent assets plus other real estate owned to assets1.3238%1,521
Noncurrent loans to loans1.7607%1,191
Net loans and leases to total assets70.2640%2,438
Net loans and leases to deposits89.5755%1,801
Net loans and leases to core deposits103.7198%1,340
Total domestic deposits to total assets78.3176%4,936
Equity capital to assets13.9595%1,039
Core capital (leverage) ratio8.6130%5,252
Tier 1 risk-based capital ratio10.3638%5,737
Total risk-based capital ratio13.0449%4,857
Memoranda:
Average total assets$86,597,922,33029
Average earning assets$76,694,003,67030
Average equity$12,124,925,67026
Average total loans$61,794,838,33023
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2339%5,439
Cost of funding earning assets0.5039%2,074
Net interest margin2.7300%5,573
Noninterest income to average assets0.8285%1,523
Noninterest expense to average assets2.4060%4,347
Loan and lease loss provision to assets0.5235%225
Net operating income to assets0.2226%5,486
Return on assets (ROA)0.2472%5,506
Pretax return on assets0.3559%5,389
Return on Equity (ROE)1.7626%5,557
Retained earnings to average equity (ytd only)1.7626%4,563
Net charge-offs to loans0.3461%645
Credit loss provision to net charge-offs211.7600%1,041
Earnings coverage of net charge-offs (x)3.4108%2,548
Efficiency ratio73.4662%2,566
Assets per employee ($millions)8.7726%423
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.3222%2,787
Loan loss allowance to noncurrent loans93.4575%3,775
Noncurrent assets plus other real estate owned to assets1.0757%2,056
Noncurrent loans to loans1.4148%1,690
Net loans and leases to total assets70.0439%2,334
Net loans and leases to deposits88.6800%1,737
Net loans and leases to core deposits102.4308%1,302
Total domestic deposits to total assets78.6055%5,046
Equity capital to assets13.9151%1,019
Core capital (leverage) ratio8.7495%5,127
Tier 1 risk-based capital ratio10.4085%5,789
Total risk-based capital ratio13.1439%4,888
Memoranda:
Average total assets$86,528,084,50029
Average earning assets$76,723,484,50030
Average equity$12,133,310,50026
Average total loans$61,798,070,00023
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2697%5,394
Cost of funding earning assets0.4980%2,173
Net interest margin2.7717%5,568
Noninterest income to average assets0.8662%1,544
Noninterest expense to average assets2.4035%4,503
Loan and lease loss provision to assets0.2337%840
Net operating income to assets0.5073%4,664
Return on assets (ROA)0.5770%4,487
Pretax return on assets0.7707%4,299
Return on Equity (ROE)3.9995%4,945
Retained earnings to average equity (ytd only)3.1547%3,806
Net charge-offs to loans0.1941%1,504
Credit loss provision to net charge-offs166.9207%1,616
Earnings coverage of net charge-offs (x)6.5044%3,213
Efficiency ratio70.4795%3,147
Assets per employee ($millions)8.5163%460
Cash dividends to net income (ytd only)*21.1220%3,741
Condition Ratios (%)
Loss allowance to loans1.2422%3,228
Loan loss allowance to noncurrent loans160.0412%2,676
Noncurrent assets plus other real estate owned to assets0.6381%3,151
Noncurrent loans to loans0.7762%2,844
Net loans and leases to total assets70.9753%2,203
Net loans and leases to deposits91.4982%1,455
Net loans and leases to core deposits104.9244%1,172
Total domestic deposits to total assets77.4613%5,247
Equity capital to assets14.1324%887
Core capital (leverage) ratio8.8896%5,015
Tier 1 risk-based capital ratio10.4101%5,820
Total risk-based capital ratio13.1421%4,927
Memoranda:
Average total assets$82,872,714,60030
Average earning assets$73,188,793,40030
Average equity$11,955,785,40026
Average total loans$59,760,487,60022
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2852%5,433
Cost of funding earning assets0.4958%2,253
Net interest margin2.7894%5,601
Noninterest income to average assets0.8693%1,551
Noninterest expense to average assets2.3801%4,568
Loan and lease loss provision to assets0.1902%1,069
Net operating income to assets0.5579%4,569
Return on assets (ROA)0.6328%4,338
Pretax return on assets0.8639%4,120
Return on Equity (ROE)4.3630%4,884
Retained earnings to average equity (ytd only)3.9047%3,688
Net charge-offs to loans0.1803%1,401
Credit loss provision to net charge-offs146.2069%1,716
Earnings coverage of net charge-offs (x)7.3054%2,931
Efficiency ratio69.9967%3,216
Assets per employee ($millions)8.5090%442
Cash dividends to net income (ytd only)*10.5054%3,566
Condition Ratios (%)
Loss allowance to loans1.1853%3,738
Loan loss allowance to noncurrent loans158.6398%2,700
Noncurrent assets plus other real estate owned to assets0.6245%3,395
Noncurrent loans to loans0.7472%3,089
Net loans and leases to total assets71.0888%2,221
Net loans and leases to deposits93.1163%1,289
Net loans and leases to core deposits110.5824%844
Total domestic deposits to total assets76.1618%5,467
Equity capital to assets14.2965%917
Core capital (leverage) ratio8.9416%5,065
Tier 1 risk-based capital ratio10.4266%5,905
Total risk-based capital ratio13.2290%5,016
Memoranda:
Average total assets$82,234,182,00030
Average earning assets$72,562,156,00029
Average equity$11,926,505,75025
Average total loans$59,351,943,00022
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3170%5,407
Cost of funding earning assets0.5048%2,209
Net interest margin2.8122%5,587
Noninterest income to average assets0.8463%1,616
Noninterest expense to average assets2.3774%4,626
Loan and lease loss provision to assets0.2166%876
Net operating income to assets0.5428%4,588
Return on assets (ROA)0.6469%4,242
Pretax return on assets0.8722%4,062
Return on Equity (ROE)4.4384%4,841
Retained earnings to average equity (ytd only)3.7473%3,623
Net charge-offs to loans0.1759%1,405
Credit loss provision to net charge-offs170.3961%1,405
Earnings coverage of net charge-offs (x)7.4505%2,667
Efficiency ratio69.9910%3,330
Assets per employee ($millions)8.3496%455
Cash dividends to net income (ytd only)*15.5693%3,326
Condition Ratios (%)
Loss allowance to loans1.1984%3,800
Loan loss allowance to noncurrent loans154.7278%2,735
Noncurrent assets plus other real estate owned to assets0.6506%3,463
Noncurrent loans to loans0.7745%3,177
Net loans and leases to total assets71.7556%2,027
Net loans and leases to deposits94.9280%1,054
Net loans and leases to core deposits108.8288%903
Total domestic deposits to total assets75.3965%5,662
Equity capital to assets14.4192%839
Core capital (leverage) ratio8.9915%4,985
Tier 1 risk-based capital ratio10.3392%5,978
Total risk-based capital ratio13.1638%5,109
Memoranda:
Average total assets$81,418,304,67030
Average earning assets$71,750,172,33029
Average equity$11,866,503,00025
Average total loans$58,828,797,67022
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3833%5,239
Cost of funding earning assets0.4990%2,292
Net interest margin2.8843%5,484
Noninterest income to average assets0.8371%1,583
Noninterest expense to average assets2.4126%4,560
Loan and lease loss provision to assets0.2084%863
Net operating income to assets0.5570%4,455
Return on assets (ROA)0.6732%4,053
Pretax return on assets0.9129%3,844
Return on Equity (ROE)4.5934%4,719
Retained earnings to average equity (ytd only)4.5934%3,275
Net charge-offs to loans0.1734%1,233
Credit loss provision to net charge-offs166.7368%1,168
Earnings coverage of net charge-offs (x)7.7069%2,143
Efficiency ratio69.8981%3,503
Assets per employee ($millions)8.2445%490
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.1945%4,016
Loan loss allowance to noncurrent loans163.5631%2,601
Noncurrent assets plus other real estate owned to assets0.6147%3,646
Noncurrent loans to loans0.7303%3,433
Net loans and leases to total assets71.0276%1,979
Net loans and leases to deposits92.0566%1,180
Net loans and leases to core deposits104.8038%1,012
Total domestic deposits to total assets76.8655%5,633
Equity capital to assets14.5629%815
Core capital (leverage) ratio9.0721%4,874
Tier 1 risk-based capital ratio10.3039%6,075
Total risk-based capital ratio12.1366%5,785
Memoranda:
Average total assets$80,680,251,00030
Average earning assets$71,012,582,00029
Average equity$11,823,408,00025
Average total loans$58,141,775,50022
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4919%5,332
Cost of funding earning assets0.4824%2,853
Net interest margin3.0094%5,431
Noninterest income to average assets0.9134%1,462
Noninterest expense to average assets2.6804%3,936
Loan and lease loss provision to assets0.1400%1,894
Net operating income to assets0.5291%4,684
Return on assets (ROA)0.5773%4,553
Pretax return on assets0.7884%4,301
Return on Equity (ROE)3.7972%5,201
Retained earnings to average equity (ytd only)2.9135%4,168
Net charge-offs to loans0.2254%1,867
Credit loss provision to net charge-offs87.1470%2,703
Earnings coverage of net charge-offs (x)5.3613%3,440
Efficiency ratio73.3241%2,961
Assets per employee ($millions)7.9633%540
Cash dividends to net income (ytd only)*23.2716%3,686
Condition Ratios (%)
Loss allowance to loans1.1908%4,059
Loan loss allowance to noncurrent loans173.0644%2,517
Noncurrent assets plus other real estate owned to assets0.5956%3,801
Noncurrent loans to loans0.6881%3,624
Net loans and leases to total assets71.3869%2,017
Net loans and leases to deposits92.6400%1,224
Net loans and leases to core deposits106.2930%997
Total domestic deposits to total assets76.8368%5,625
Equity capital to assets14.7488%745
Core capital (leverage) ratio9.0258%4,952
Tier 1 risk-based capital ratio10.4886%6,108
Total risk-based capital ratio12.3740%5,797
Memoranda:
Average total assets$75,924,696,60030
Average earning assets$66,308,959,80029
Average equity$11,542,745,00024
Average total loans$54,126,859,80022
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4904%5,418
Cost of funding earning assets0.4670%3,082
Net interest margin3.0234%5,456
Noninterest income to average assets0.9020%1,514
Noninterest expense to average assets2.6551%3,993
Loan and lease loss provision to assets0.1536%1,613
Net operating income to assets0.5353%4,739
Return on assets (ROA)0.5937%4,559
Pretax return on assets0.8107%4,327
Return on Equity (ROE)3.8744%5,223
Retained earnings to average equity (ytd only)3.2827%4,288
Net charge-offs to loans0.2283%1,676
Credit loss provision to net charge-offs94.6935%2,345
Earnings coverage of net charge-offs (x)5.4455%3,261
Efficiency ratio73.0901%2,972
Assets per employee ($millions)7.7787%567
Cash dividends to net income (ytd only)*15.2716%3,377
Condition Ratios (%)
Loss allowance to loans1.2606%3,875
Loan loss allowance to noncurrent loans164.8516%2,513
Noncurrent assets plus other real estate owned to assets0.6397%3,917
Noncurrent loans to loans0.7647%3,681
Net loans and leases to total assets69.7686%2,231
Net loans and leases to deposits90.1886%1,408
Net loans and leases to core deposits104.3149%1,088
Total domestic deposits to total assets77.1460%5,653
Equity capital to assets14.9355%745
Core capital (leverage) ratio9.2455%4,714
Tier 1 risk-based capital ratio10.7605%6,106
Total risk-based capital ratio12.8175%5,680
Memoranda:
Average total assets$74,999,722,50031
Average earning assets$65,395,933,00031
Average equity$11,492,514,00025
Average total loans$53,276,924,75024
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5598%5,260
Cost of funding earning assets0.4549%3,272
Net interest margin3.1049%5,241
Noninterest income to average assets0.8941%1,512
Noninterest expense to average assets2.6975%3,875
Loan and lease loss provision to assets0.2231%1,035
Net operating income to assets0.4891%4,851
Return on assets (ROA)0.5610%4,645
Pretax return on assets0.7729%4,373
Return on Equity (ROE)3.6286%5,294
Retained earnings to average equity (ytd only)2.7365%4,459
Net charge-offs to loans0.2602%1,507
Credit loss provision to net charge-offs120.5047%1,712
Earnings coverage of net charge-offs (x)4.8421%3,036
Efficiency ratio73.0842%3,140
Assets per employee ($millions)7.3759%672
Cash dividends to net income (ytd only)*24.5847%3,016
Condition Ratios (%)
Loss allowance to loans1.3164%3,770
Loan loss allowance to noncurrent loans170.7277%2,443
Noncurrent assets plus other real estate owned to assets0.6661%3,989
Noncurrent loans to loans0.7710%3,779
Net loans and leases to total assets70.9712%1,925
Net loans and leases to deposits91.8529%1,166
Net loans and leases to core deposits108.4960%745
Total domestic deposits to total assets77.1208%5,787
Equity capital to assets15.3072%639
Core capital (leverage) ratio9.2847%4,614
Tier 1 risk-based capital ratio10.6978%6,175
Total risk-based capital ratio12.7688%5,746
Memoranda:
Average total assets$73,959,152,67031
Average earning assets$64,314,097,33031
Average equity$11,434,075,00025
Average total loans$52,635,861,33024
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5665%5,253
Cost of funding earning assets0.4366%3,578
Net interest margin3.1299%5,146
Noninterest income to average assets0.8733%1,476
Noninterest expense to average assets2.6554%4,097
Loan and lease loss provision to assets0.2037%1,139
Net operating income to assets0.5079%4,648
Return on assets (ROA)0.5668%4,444
Pretax return on assets0.8186%4,036
Return on Equity (ROE)3.6477%5,199
Retained earnings to average equity (ytd only)3.6477%3,946
Net charge-offs to loans0.2341%1,387
Credit loss provision to net charge-offs122.9090%1,435
Earnings coverage of net charge-offs (x)5.6469%2,349
Efficiency ratio72.0359%3,482
Assets per employee ($millions)7.1392%749
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.3404%3,904
Loan loss allowance to noncurrent loans149.8366%2,651
Noncurrent assets plus other real estate owned to assets0.7542%3,861
Noncurrent loans to loans0.8946%3,645
Net loans and leases to total assets69.7853%1,936
Net loans and leases to deposits90.9943%1,040
Net loans and leases to core deposits108.4137%657
Total domestic deposits to total assets76.5178%6,026
Equity capital to assets15.3950%619
Core capital (leverage) ratio9.5135%4,260
Tier 1 risk-based capital ratio10.8245%6,231
Total risk-based capital ratio12.9123%5,772
Memoranda:
Average total assets$73,188,973,00031
Average earning assets$63,554,226,50031
Average equity$11,372,675,50025
Average total loans$51,804,956,00024
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8879%4,503
Cost of funding earning assets0.4620%3,999
Net interest margin3.4260%4,180
Noninterest income to average assets0.9970%1,402
Noninterest expense to average assets2.9526%3,192
Loan and lease loss provision to assets0.1538%2,353
Net operating income to assets0.5929%4,299
Return on assets (ROA)0.6178%4,288
Pretax return on assets0.8662%3,896
Return on Equity (ROE)3.8961%5,160
Retained earnings to average equity (ytd only)3.8961%3,429
Net charge-offs to loans0.4387%1,515
Credit loss provision to net charge-offs51.2905%3,784
Earnings coverage of net charge-offs (x)3.2806%3,910
Efficiency ratio72.8051%3,332
Assets per employee ($millions)6.8833%812
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.3790%3,749
Loan loss allowance to noncurrent loans133.2548%2,914
Noncurrent assets plus other real estate owned to assets0.8584%3,744
Noncurrent loans to loans1.0348%3,439
Net loans and leases to total assets69.8567%2,037
Net loans and leases to deposits91.7974%1,080
Net loans and leases to core deposits106.9245%748
Total domestic deposits to total assets75.9277%6,100
Equity capital to assets15.6884%571
Core capital (leverage) ratio9.5000%4,266
Tier 1 risk-based capital ratio10.8888%6,227
Total risk-based capital ratio12.9967%5,711
Memoranda:
Average total assets$69,928,891,40031
Average earning assets$59,995,215,20031
Average equity$11,088,901,20025
Average total loans$47,797,051,40025
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9315%4,383
Cost of funding earning assets0.4670%4,092
Net interest margin3.4645%4,037
Noninterest income to average assets1.0323%1,368
Noninterest expense to average assets2.9367%3,180
Loan and lease loss provision to assets0.1562%2,307
Net operating income to assets0.6382%4,190
Return on assets (ROA)0.6782%4,109
Pretax return on assets0.9625%3,639
Return on Equity (ROE)4.2649%5,091
Retained earnings to average equity (ytd only)4.2649%3,644
Net charge-offs to loans0.4713%1,361
Credit loss provision to net charge-offs48.9387%3,533
Earnings coverage of net charge-offs (x)3.3249%3,738
Efficiency ratio71.2312%3,567
Assets per employee ($millions)6.5401%917
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.4516%3,680
Loan loss allowance to noncurrent loans111.7106%3,198
Noncurrent assets plus other real estate owned to assets1.0861%3,484
Noncurrent loans to loans1.2994%3,234
Net loans and leases to total assets69.8405%2,000
Net loans and leases to deposits93.0268%899
Net loans and leases to core deposits105.7844%770
Total domestic deposits to total assets74.9092%6,288
Equity capital to assets16.0250%549
Core capital (leverage) ratio9.7170%4,080
Tier 1 risk-based capital ratio11.0632%6,250
Total risk-based capital ratio13.3213%5,672
Memoranda:
Average total assets$69,476,755,50031
Average earning assets$59,470,846,25031
Average equity$11,047,510,50025
Average total loans$47,042,783,00025
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9877%4,152
Cost of funding earning assets0.4770%4,130
Net interest margin3.5108%3,737
Noninterest income to average assets1.0422%1,402
Noninterest expense to average assets3.0002%3,001
Loan and lease loss provision to assets0.1264%2,741
Net operating income to assets0.6454%4,079
Return on assets (ROA)0.7084%3,936
Pretax return on assets1.0072%3,476
Return on Equity (ROE)4.4667%5,016
Retained earnings to average equity (ytd only)4.4667%3,420
Net charge-offs to loans0.5329%1,240
Credit loss provision to net charge-offs35.5959%3,494
Earnings coverage of net charge-offs (x)2.9353%3,548
Efficiency ratio71.9659%3,473
Assets per employee ($millions)6.4542%922
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.5202%3,487
Loan loss allowance to noncurrent loans101.7531%3,412
Noncurrent assets plus other real estate owned to assets1.2122%3,322
Noncurrent loans to loans1.4940%3,063
Net loans and leases to total assets67.5000%2,336
Net loans and leases to deposits89.4321%1,199
Net loans and leases to core deposits101.8949%948
Total domestic deposits to total assets75.3204%6,323
Equity capital to assets15.9596%525
Core capital (leverage) ratio9.4710%4,291
Tier 1 risk-based capital ratio11.4602%6,131
Total risk-based capital ratio13.7749%5,420
Memoranda:
Average total assets$69,372,644,67031
Average earning assets$59,289,423,00031
Average equity$11,002,124,67025
Average total loans$46,237,388,67025
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0467%3,929
Cost of funding earning assets0.4858%4,225
Net interest margin3.5610%3,427
Noninterest income to average assets1.0465%1,352
Noninterest expense to average assets3.0600%2,806
Loan and lease loss provision to assets0.1131%2,817
Net operating income to assets0.6323%4,068
Return on assets (ROA)0.6896%3,888
Pretax return on assets0.9972%3,363
Return on Equity (ROE)4.3620%4,918
Retained earnings to average equity (ytd only)4.3620%3,619
Net charge-offs to loans0.3200%1,685
Credit loss provision to net charge-offs53.8134%2,548
Earnings coverage of net charge-offs (x)4.8814%2,462
Efficiency ratio72.6190%3,497
Assets per employee ($millions)6.2455%1,113
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.7167%2,935
Loan loss allowance to noncurrent loans96.8981%3,448
Noncurrent assets plus other real estate owned to assets1.3850%3,192
Noncurrent loans to loans1.7717%2,908
Net loans and leases to total assets64.6500%2,594
Net loans and leases to deposits85.6578%1,389
Net loans and leases to core deposits99.6106%972
Total domestic deposits to total assets75.3412%6,425
Equity capital to assets15.8299%586
Core capital (leverage) ratio9.2243%4,524
Tier 1 risk-based capital ratio11.5371%6,167
Total risk-based capital ratio14.1245%5,260
Memoranda:
Average total assets$69,341,615,00031
Average earning assets$59,196,558,00031
Average equity$10,962,433,00025
Average total loans$45,560,116,50026
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4857%3,460
Cost of funding earning assets0.4623%5,476
Net interest margin4.0234%2,301
Noninterest income to average assets1.1993%1,091
Noninterest expense to average assets3.4698%1,900
Loan and lease loss provision to assets0.0445%5,293
Net operating income to assets0.7371%3,568
Return on assets (ROA)0.7462%3,771
Pretax return on assets1.0813%3,225
Return on Equity (ROE)4.6313%4,868
Retained earnings to average equity (ytd only)4.6313%2,964
Net charge-offs to loans0.6332%1,854
Credit loss provision to net charge-offs10.5853%5,391
Earnings coverage of net charge-offs (x)2.6455%4,107
Efficiency ratio72.7250%3,287
Assets per employee ($millions)6.2198%1,156
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.7710%2,684
Loan loss allowance to noncurrent loans92.3361%3,534
Noncurrent assets plus other real estate owned to assets1.4826%3,165
Noncurrent loans to loans1.9180%2,785
Net loans and leases to total assets64.4656%2,817
Net loans and leases to deposits85.9526%1,523
Net loans and leases to core deposits101.4681%921
Total domestic deposits to total assets74.6425%6,479
Equity capital to assets15.7886%592
Core capital (leverage) ratio9.1569%4,648
Tier 1 risk-based capital ratio11.3440%6,191
Total risk-based capital ratio13.9403%5,273
Memoranda:
Average total assets$66,291,273,80031
Average earning assets$55,716,113,60032
Average equity$10,681,405,80025
Average total loans$43,970,043,00027
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4560%3,798
Cost of funding earning assets0.4536%5,766
Net interest margin4.0024%2,493
Noninterest income to average assets1.2331%981
Noninterest expense to average assets3.3957%2,014
Loan and lease loss provision to assets0.0543%5,067
Net operating income to assets0.7854%3,526
Return on assets (ROA)0.7914%3,732
Pretax return on assets1.1455%3,176
Return on Equity (ROE)4.8856%4,875
Retained earnings to average equity (ytd only)4.8856%3,449
Net charge-offs to loans0.5338%2,006
Credit loss provision to net charge-offs15.2914%5,015
Earnings coverage of net charge-offs (x)3.3510%3,678
Efficiency ratio71.0400%3,496
Assets per employee ($millions)5.9473%1,283
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.0107%2,141
Loan loss allowance to noncurrent loans79.5772%3,853
Noncurrent assets plus other real estate owned to assets1.9566%2,706
Noncurrent loans to loans2.5268%2,259
Net loans and leases to total assets64.8412%2,867
Net loans and leases to deposits87.7208%1,385
Net loans and leases to core deposits105.3245%780
Total domestic deposits to total assets73.5835%6,632
Equity capital to assets15.9493%614
Core capital (leverage) ratio9.2182%4,727
Tier 1 risk-based capital ratio11.1958%6,395
Total risk-based capital ratio13.9406%5,454
Memoranda:
Average total assets$65,594,911,75032
Average earning assets$54,941,721,00033
Average equity$10,625,194,00025
Average total loans$43,629,151,75026
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5068%3,735
Cost of funding earning assets0.4435%6,007
Net interest margin4.0633%2,236
Noninterest income to average assets1.2877%856
Noninterest expense to average assets3.4268%1,966
Loan and lease loss provision to assets0.0760%4,671
Net operating income to assets0.8085%3,358
Return on assets (ROA)0.8192%3,562
Pretax return on assets1.1920%2,958
Return on Equity (ROE)5.0306%4,798
Retained earnings to average equity (ytd only)5.0306%3,268
Net charge-offs to loans0.5518%1,936
Credit loss provision to net charge-offs20.6766%4,592
Earnings coverage of net charge-offs (x)3.4028%3,384
Efficiency ratio70.3749%3,701
Assets per employee ($millions)5.6832%1,455
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.1507%1,883
Loan loss allowance to noncurrent loans72.6953%4,089
Noncurrent assets plus other real estate owned to assets2.3518%2,375
Noncurrent loans to loans2.9585%2,016
Net loans and leases to total assets66.0078%2,666
Net loans and leases to deposits90.1482%1,131
Net loans and leases to core deposits109.4839%592
Total domestic deposits to total assets72.8950%6,755
Equity capital to assets16.2091%543
Core capital (leverage) ratio9.2976%4,460
Tier 1 risk-based capital ratio10.9740%6,512
Total risk-based capital ratio13.7265%5,565
Memoranda:
Average total assets$64,816,547,33032
Average earning assets$54,079,187,33033
Average equity$10,555,465,00025
Average total loans$43,188,723,33027
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5134%3,858
Cost of funding earning assets0.4615%6,073
Net interest margin4.0519%2,296
Noninterest income to average assets1.1240%1,119
Noninterest expense to average assets3.3028%2,275
Loan and lease loss provision to assets0.1005%4,085
Net operating income to assets0.7553%3,598
Return on assets (ROA)0.7832%3,702
Pretax return on assets1.1319%3,191
Return on Equity (ROE)4.7976%4,883
Retained earnings to average equity (ytd only)4.7976%3,675
Net charge-offs to loans0.6682%1,470
Credit loss provision to net charge-offs22.7188%3,742
Earnings coverage of net charge-offs (x)2.6916%3,108
Efficiency ratio70.4100%3,741
Assets per employee ($millions)5.5503%1,655
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.3215%1,637
Loan loss allowance to noncurrent loans68.4904%4,101
Noncurrent assets plus other real estate owned to assets2.6799%2,204
Noncurrent loans to loans3.3895%1,863
Net loans and leases to total assets64.1758%2,820
Net loans and leases to deposits87.0204%1,287
Net loans and leases to core deposits101.3006%901
Total domestic deposits to total assets73.4319%6,789
Equity capital to assets16.1502%551
Core capital (leverage) ratio9.0894%4,699
Tier 1 risk-based capital ratio10.9837%6,545
Total risk-based capital ratio14.0754%5,321
Memoranda:
Average total assets$64,233,769,50032
Average earning assets$53,416,438,00034
Average equity$10,485,645,50025
Average total loans$42,527,790,50027
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1572%2,229
Cost of funding earning assets0.5462%6,359
Net interest margin4.6110%900
Noninterest income to average assets1.1851%943
Noninterest expense to average assets6.8097%147
Loan and lease loss provision to assets0.6759%1,515
Net operating income to assets-2.7703%7,153
Return on assets (ROA)-2.7001%7,150
Pretax return on assets-2.5427%7,125
Return on Equity (ROE)-14.4620%6,876
Retained earnings to average equity (ytd only)-14.4620%6,853
Net charge-offs to loans1.1873%1,421
Credit loss provision to net charge-offs88.2226%4,090
Earnings coverage of net charge-offs (x)-2.5284%6,303
Efficiency ratio71.4034%3,711
Assets per employee ($millions)5.3499%1,776
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.4976%1,317
Loan loss allowance to noncurrent loans67.9027%4,140
Noncurrent assets plus other real estate owned to assets2.9383%2,047
Noncurrent loans to loans3.6781%1,719
Net loans and leases to total assets65.0661%2,967
Net loans and leases to deposits88.8149%1,288
Net loans and leases to core deposits104.3478%879
Total domestic deposits to total assets72.9290%6,815
Equity capital to assets16.5044%514
Core capital (leverage) ratio8.8349%5,048
Tier 1 risk-based capital ratio11.0821%6,410
Total risk-based capital ratio14.2398%5,055
Memoranda:
Average total assets$63,418,723,20031
Average earning assets$50,718,257,00034
Average equity$11,840,391,20022
Average total loans$40,920,210,80026
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2884%1,906
Cost of funding earning assets0.5733%6,418
Net interest margin4.7151%741
Noninterest income to average assets1.2416%842
Noninterest expense to average assets3.6498%1,598
Loan and lease loss provision to assets0.7878%1,189
Net operating income to assets0.3987%5,013
Return on assets (ROA)0.4693%4,873
Pretax return on assets0.6389%4,689
Return on Equity (ROE)2.4434%5,639
Retained earnings to average equity (ytd only)2.4434%4,900
Net charge-offs to loans1.3175%1,163
Credit loss provision to net charge-offs93.4651%3,645
Earnings coverage of net charge-offs (x)1.5780%4,456
Efficiency ratio69.7978%3,988
Assets per employee ($millions)5.3714%1,737
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.6033%1,258
Loan loss allowance to noncurrent loans62.7379%4,335
Noncurrent assets plus other real estate owned to assets3.2686%1,940
Noncurrent loans to loans4.1494%1,588
Net loans and leases to total assets62.8494%3,538
Net loans and leases to deposits89.5384%1,267
Net loans and leases to core deposits103.7707%995
Total domestic deposits to total assets69.8852%7,046
Equity capital to assets19.1569%306
Core capital (leverage) ratio9.1742%4,669
Tier 1 risk-based capital ratio11.2430%6,405
Total risk-based capital ratio14.4591%4,923
Memoranda:
Average total assets$63,496,657,25030
Average earning assets$50,341,401,25033
Average equity$12,196,624,25021
Average total loans$40,622,004,75026
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3253%1,800
Cost of funding earning assets0.6251%6,336
Net interest margin4.7001%725
Noninterest income to average assets1.2615%791
Noninterest expense to average assets3.5665%1,824
Loan and lease loss provision to assets0.8806%1,012
Net operating income to assets0.3934%4,976
Return on assets (ROA)0.5024%4,632
Pretax return on assets0.6825%4,452
Return on Equity (ROE)2.6132%5,557
Retained earnings to average equity (ytd only)2.6132%4,628
Net charge-offs to loans1.2768%1,217
Credit loss provision to net charge-offs108.1303%2,833
Earnings coverage of net charge-offs (x)1.7370%4,000
Efficiency ratio68.0230%4,507
Assets per employee ($millions)5.2198%1,850
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.8024%1,078
Loan loss allowance to noncurrent loans56.9227%4,609
Noncurrent assets plus other real estate owned to assets3.8161%1,699
Noncurrent loans to loans4.9231%1,335
Net loans and leases to total assets62.5669%3,777
Net loans and leases to deposits85.9279%1,804
Net loans and leases to core deposits96.0443%1,680
Total domestic deposits to total assets72.5305%6,975
Equity capital to assets19.5537%286
Core capital (leverage) ratio9.0849%4,597
Tier 1 risk-based capital ratio11.5543%6,130
Total risk-based capital ratio14.8586%4,429
Memoranda:
Average total assets$63,176,661,00030
Average earning assets$49,997,736,33033
Average equity$12,146,209,67022
Average total loans$40,298,203,67027
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2449%2,070
Cost of funding earning assets0.6451%6,400
Net interest margin4.5998%861
Noninterest income to average assets1.2377%828
Noninterest expense to average assets3.5110%1,977
Loan and lease loss provision to assets0.9043%888
Net operating income to assets0.3344%5,253
Return on assets (ROA)0.5504%4,354
Pretax return on assets0.7617%4,052
Return on Equity (ROE)2.8872%5,427
Retained earnings to average equity (ytd only)2.8872%4,429
Net charge-offs to loans1.1354%1,221
Credit loss provision to net charge-offs125.4340%2,192
Earnings coverage of net charge-offs (x)1.8934%3,361
Efficiency ratio68.2972%4,599
Assets per employee ($millions)5.2977%1,770
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.8359%1,076
Loan loss allowance to noncurrent loans56.3364%4,631
Noncurrent assets plus other real estate owned to assets3.8448%1,741
Noncurrent loans to loans5.0338%1,335
Net loans and leases to total assets61.3127%4,008
Net loans and leases to deposits83.7373%2,075
Net loans and leases to core deposits95.6277%1,699
Total domestic deposits to total assets72.9016%7,006
Equity capital to assets19.0507%301
Core capital (leverage) ratio8.9400%4,710
Tier 1 risk-based capital ratio11.6495%5,980
Total risk-based capital ratio15.0074%4,212
Memoranda:
Average total assets$63,445,901,50030
Average earning assets$50,185,118,00033
Average equity$12,095,264,00022
Average total loans$40,286,965,00027
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5062%2,257
Cost of funding earning assets0.7364%6,773
Net interest margin4.7698%702
Noninterest income to average assets1.2174%1,012
Noninterest expense to average assets4.1068%1,014
Loan and lease loss provision to assets1.2795%1,208
Net operating income to assets-0.5991%6,449
Return on assets (ROA)-0.5018%6,420
Pretax return on assets-0.3931%6,241
Return on Equity (ROE)-2.6003%6,239
Retained earnings to average equity (ytd only)-2.6003%6,056
Net charge-offs to loans2.3732%805
Credit loss provision to net charge-offs83.8398%5,392
Earnings coverage of net charge-offs (x)0.5170%5,599
Efficiency ratio62.8593%5,543
Assets per employee ($millions)5.3367%1,725
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.7423%1,122
Loan loss allowance to noncurrent loans54.0741%4,777
Noncurrent assets plus other real estate owned to assets3.9270%1,735
Noncurrent loans to loans5.0713%1,318
Net loans and leases to total assets62.1438%4,256
Net loans and leases to deposits86.3136%2,042
Net loans and leases to core deposits99.5480%1,655
Total domestic deposits to total assets71.6721%7,110
Equity capital to assets19.0771%315
Core capital (leverage) ratio8.6177%5,165
Tier 1 risk-based capital ratio11.4173%5,977
Total risk-based capital ratio14.7755%4,148
Memoranda:
Average total assets$64,481,430,00029
Average earning assets$49,727,734,20034
Average equity$12,442,144,00021
Average total loans$41,465,695,40026
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5070%2,402
Cost of funding earning assets0.7405%6,945
Net interest margin4.7665%722
Noninterest income to average assets1.1947%976
Noninterest expense to average assets3.1288%3,194
Loan and lease loss provision to assets1.3225%1,048
Net operating income to assets0.3016%5,158
Return on assets (ROA)0.3773%5,039
Pretax return on assets0.4989%4,930
Return on Equity (ROE)1.9502%5,627
Retained earnings to average equity (ytd only)1.9502%4,981
Net charge-offs to loans2.3994%720
Credit loss provision to net charge-offs85.5818%4,940
Earnings coverage of net charge-offs (x)1.1136%4,941
Efficiency ratio59.9802%5,959
Assets per employee ($millions)5.6059%1,530
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.8359%975
Loan loss allowance to noncurrent loans49.7304%4,973
Noncurrent assets plus other real estate owned to assets4.2503%1,611
Noncurrent loans to loans5.7025%1,143
Net loans and leases to total assets61.8168%4,569
Net loans and leases to deposits87.4630%2,086
Net loans and leases to core deposits102.4351%1,610
Total domestic deposits to total assets70.3279%7,257
Equity capital to assets19.6656%305
Core capital (leverage) ratio8.5520%5,417
Tier 1 risk-based capital ratio11.3243%6,078
Total risk-based capital ratio14.6762%4,208
Memoranda:
Average total assets$64,778,472,50028
Average earning assets$49,673,077,75034
Average equity$12,534,044,75021
Average total loans$41,721,663,00025
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4089%2,938
Cost of funding earning assets0.7398%7,094
Net interest margin4.6691%868
Noninterest income to average assets1.2101%882
Noninterest expense to average assets3.1003%3,319
Loan and lease loss provision to assets1.3148%1,039
Net operating income to assets0.2680%5,302
Return on assets (ROA)0.3469%5,155
Pretax return on assets0.4688%5,006
Return on Equity (ROE)1.8028%5,693
Retained earnings to average equity (ytd only)1.8028%4,963
Net charge-offs to loans2.2950%775
Credit loss provision to net charge-offs88.5891%4,458
Earnings coverage of net charge-offs (x)1.1291%4,659
Efficiency ratio60.2512%6,005
Assets per employee ($millions)5.7250%1,430
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.9163%899
Loan loss allowance to noncurrent loans49.2622%5,005
Noncurrent assets plus other real estate owned to assets4.3973%1,518
Noncurrent loans to loans5.9199%1,085
Net loans and leases to total assets62.0556%4,672
Net loans and leases to deposits87.3398%2,285
Net loans and leases to core deposits103.8966%1,651
Total domestic deposits to total assets70.6946%7,284
Equity capital to assets19.3159%321
Core capital (leverage) ratio8.3453%5,678
Tier 1 risk-based capital ratio10.9360%6,309
Total risk-based capital ratio14.2560%4,394
Memoranda:
Average total assets$64,943,828,33028
Average earning assets$49,600,366,33034
Average equity$12,498,218,67021
Average total loans$41,996,514,00025
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2960%3,572
Cost of funding earning assets0.7243%7,284
Net interest margin4.5717%1,001
Noninterest income to average assets1.1856%866
Noninterest expense to average assets3.0667%3,402
Loan and lease loss provision to assets1.2581%967
Net operating income to assets0.2184%5,626
Return on assets (ROA)0.2650%5,559
Pretax return on assets0.3882%5,333
Return on Equity (ROE)1.3794%6,004
Retained earnings to average equity (ytd only)1.3794%5,253
Net charge-offs to loans2.0873%817
Credit loss provision to net charge-offs92.6719%3,596
Earnings coverage of net charge-offs (x)1.1613%4,067
Efficiency ratio61.1762%5,971
Assets per employee ($millions)5.6917%1,503
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.0082%816
Loan loss allowance to noncurrent loans44.7670%5,371
Noncurrent assets plus other real estate owned to assets4.8270%1,360
Noncurrent loans to loans6.7198%918
Net loans and leases to total assets61.9582%4,767
Net loans and leases to deposits86.8847%2,428
Net loans and leases to core deposits101.0504%2,025
Total domestic deposits to total assets71.0103%7,341
Equity capital to assets19.1589%334
Core capital (leverage) ratio8.2056%5,900
Tier 1 risk-based capital ratio10.8898%6,258
Total risk-based capital ratio14.2435%4,311
Memoranda:
Average total assets$64,877,771,50028
Average earning assets$49,067,767,50033
Average equity$12,462,313,00021
Average total loans$42,196,595,50024
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1423%5,911
Cost of funding earning assets1.0632%7,071
Net interest margin4.0791%2,535
Noninterest income to average assets1.4430%700
Noninterest expense to average assets5.3571%422
Loan and lease loss provision to assets2.6688%715
Net operating income to assets-3.0991%7,422
Return on assets (ROA)-2.9812%7,400
Pretax return on assets-3.3225%7,376
Return on Equity (ROE)-14.3368%6,896
Retained earnings to average equity (ytd only)-14.3368%6,839
Net charge-offs to loans2.8481%768
Credit loss provision to net charge-offs146.4839%3,231
Earnings coverage of net charge-offs (x)-0.4308%6,650
Efficiency ratio56.7112%6,930
Assets per employee ($millions)5.4375%1,704
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.9643%798
Loan loss allowance to noncurrent loans49.6817%5,071
Noncurrent assets plus other real estate owned to assets4.4272%1,463
Noncurrent loans to loans5.9666%1,052
Net loans and leases to total assets64.2474%4,548
Net loans and leases to deposits88.7126%2,437
Net loans and leases to core deposits112.7544%2,622
Total domestic deposits to total assets71.9810%7,245
Equity capital to assets19.2593%348
Core capital (leverage) ratio7.7569%6,496
Tier 1 risk-based capital ratio10.5225%6,375
Total risk-based capital ratio13.8370%4,402
Memoranda:
Average total assets$63,193,239,60031
Average earning assets$48,476,610,00033
Average equity$13,140,475,20021
Average total loans$40,424,102,80026
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9593%6,737
Cost of funding earning assets1.1231%7,123
Net interest margin3.8362%3,495
Noninterest income to average assets1.2380%1,007
Noninterest expense to average assets2.7368%5,163
Loan and lease loss provision to assets1.2071%1,606
Net operating income to assets0.1656%5,265
Return on assets (ROA)0.2870%4,942
Pretax return on assets0.4179%4,750
Return on Equity (ROE)1.3545%5,387
Retained earnings to average equity (ytd only)1.3545%4,563
Net charge-offs to loans1.8977%1,058
Credit loss provision to net charge-offs100.3407%5,060
Earnings coverage of net charge-offs (x)1.2038%4,863
Efficiency ratio59.1009%6,550
Assets per employee ($millions)5.5260%1,592
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.6589%2,772
Loan loss allowance to noncurrent loans33.0148%6,229
Noncurrent assets plus other real estate owned to assets3.6778%1,775
Noncurrent loans to loans5.0247%1,308
Net loans and leases to total assets64.2865%4,798
Net loans and leases to deposits89.9851%2,585
Net loans and leases to core deposits117.3471%2,482
Total domestic deposits to total assets70.7413%7,353
Equity capital to assets20.4940%307
Core capital (leverage) ratio8.2540%5,914
Tier 1 risk-based capital ratio10.0258%6,953
Total risk-based capital ratio13.2787%4,885
Memoranda:
Average total assets$62,839,526,75033
Average earning assets$48,273,843,25035
Average equity$13,314,825,00020
Average total loans$39,835,859,25028
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0919%6,468
Cost of funding earning assets1.2107%7,075
Net interest margin3.8812%3,204
Noninterest income to average assets1.2795%932
Noninterest expense to average assets2.7566%5,145
Loan and lease loss provision to assets1.0835%1,580
Net operating income to assets0.2888%4,947
Return on assets (ROA)0.3618%4,755
Pretax return on assets0.5391%4,499
Return on Equity (ROE)1.6845%5,408
Retained earnings to average equity (ytd only)1.6845%4,403
Net charge-offs to loans1.2394%1,489
Credit loss provision to net charge-offs139.5033%3,348
Earnings coverage of net charge-offs (x)1.9476%4,128
Efficiency ratio58.2524%6,825
Assets per employee ($millions)5.6380%1,465
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.1857%1,267
Loan loss allowance to noncurrent loans50.2659%5,011
Noncurrent assets plus other real estate owned to assets3.0387%2,086
Noncurrent loans to loans4.3483%1,492
Net loans and leases to total assets62.0907%5,345
Net loans and leases to deposits99.7611%1,311
Net loans and leases to core deposits131.3577%1,460
Total domestic deposits to total assets61.4857%7,907
Equity capital to assets22.5154%267
Core capital (leverage) ratio7.8273%6,580
Tier 1 risk-based capital ratio9.2373%7,580
Total risk-based capital ratio12.5458%5,502
Memoranda:
Average total assets$61,055,225,67034
Average earning assets$47,032,527,67037
Average equity$13,112,101,00020
Average total loans$38,260,848,00029
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0721%6,735
Cost of funding earning assets1.3249%6,947
Net interest margin3.7472%3,668
Noninterest income to average assets1.3043%841
Noninterest expense to average assets2.7399%4,826
Loan and lease loss provision to assets0.9650%1,344
Net operating income to assets0.3314%5,157
Return on assets (ROA)0.3293%5,353
Pretax return on assets0.4880%5,113
Return on Equity (ROE)1.5701%5,934
Retained earnings to average equity (ytd only)1.5701%4,974
Net charge-offs to loans0.9316%1,419
Credit loss provision to net charge-offs166.3171%2,574
Earnings coverage of net charge-offs (x)2.5078%3,495
Efficiency ratio58.9517%6,559
Assets per employee ($millions)5.7526%1,360
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.0579%1,313
Loan loss allowance to noncurrent loans53.3308%5,008
Noncurrent assets plus other real estate owned to assets2.6520%2,162
Noncurrent loans to loans3.8588%1,588
Net loans and leases to total assets61.1835%5,467
Net loans and leases to deposits99.9023%1,422
Net loans and leases to core deposits132.3510%1,511
Total domestic deposits to total assets60.3115%7,959
Equity capital to assets21.6141%327
Core capital (leverage) ratio7.4212%7,253
Tier 1 risk-based capital ratio8.7461%7,893
Total risk-based capital ratio12.0973%5,948
Memoranda:
Average total assets$61,867,550,50035
Average earning assets$47,724,555,00039
Average equity$12,977,632,50020
Average total loans$38,528,560,00030
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1931%4,552
Cost of funding earning assets2.3164%5,078
Net interest margin3.8767%3,670
Noninterest income to average assets1.4602%663
Noninterest expense to average assets4.0432%1,354
Loan and lease loss provision to assets0.7835%1,904
Net operating income to assets-0.6497%7,037
Return on assets (ROA)-0.5975%6,894
Pretax return on assets-0.3677%6,517
Return on Equity (ROE)-2.7328%6,588
Retained earnings to average equity (ytd only)-5.3666%6,567
Net charge-offs to loans0.8143%1,536
Credit loss provision to net charge-offs160.4470%3,220
Earnings coverage of net charge-offs (x)0.7447%5,777
Efficiency ratio58.1869%6,663
Assets per employee ($millions)5.1227%1,805
Cash dividends to net income (ytd only)*-96.3763%8,136
Condition Ratios (%)
Loss allowance to loans1.8911%1,440
Loan loss allowance to noncurrent loans61.3646%4,936
Noncurrent assets plus other real estate owned to assets2.1257%2,307
Noncurrent loans to loans3.0818%1,734
Net loans and leases to total assets60.9110%5,781
Net loans and leases to deposits97.0992%2,277
Net loans and leases to core deposits134.6937%1,555
Total domestic deposits to total assets60.3087%7,957
Equity capital to assets20.3467%443
Core capital (leverage) ratio6.2603%8,003
Tier 1 risk-based capital ratio7.4084%8,140
Total risk-based capital ratio10.7472%7,230
Memoranda:
Average total assets$60,775,470,00034
Average earning assets$46,194,551,20037
Average equity$13,288,978,80017
Average total loans$36,445,565,60031