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Cottonwood Valley Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8514%4,543
Cost of funding earning assets0.6033%4,069
Net interest margin2.2480%4,288
Noninterest income to average assets0.5900%1,571
Noninterest expense to average assets2.4917%2,321
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.1407%4,220
Return on assets (ROA)0.1407%4,245
Pretax return on assets0.1432%4,244
Return on Equity (ROE)2.0800%4,145
Retained earnings to average equity (ytd only)2.0807%3,562
Net charge-offs to loans-0.4783%4,596
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio94.5663%289
Assets per employee ($millions)8.4838%1,192
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans5.5174%37
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 assets9.7300%4,450
Net loans and leases to deposits10.7783%4,454
Net loans and leases to core deposits11.1973%4,473
Total domestic deposits to total assets90.2700%688
Equity capital to assets7.7819%3,555
Core capital (leverage) ratio13.6204%880
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$39,812,2004,393
Average earning assets$36,298,2004,371
Average equity$2,691,4004,445
Average total loans$4,808,6004,461
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8350%4,554
Cost of funding earning assets0.5789%4,008
Net interest margin2.2560%4,322
Noninterest income to average assets0.3300%2,912
Noninterest expense to average assets1.8999%3,801
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.4937%3,779
Return on assets (ROA)0.4937%3,780
Pretax return on assets0.4869%3,925
Return on Equity (ROE)7.6100%3,286
Retained earnings to average equity (ytd only)7.6144%2,099
Net charge-offs to loans-0.4879%4,618
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio79.6006%884
Assets per employee ($millions)7.7768%1,464
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans5.2791%39
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 assets11.2600%4,471
Net loans and leases to deposits12.0533%4,476
Net loans and leases to core deposits12.5459%4,460
Total domestic deposits to total assets93.4100%252
Equity capital to assets4.6266%4,316
Core capital (leverage) ratio13.6542%887
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$39,158,5004,415
Average earning assets$35,696,0004,397
Average equity$2,539,0004,479
Average total loans$4,918,7504,486
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7629%4,589
Cost of funding earning assets0.5515%3,880
Net interest margin2.2114%4,413
Noninterest income to average assets0.3200%2,963
Noninterest expense to average assets1.8140%3,969
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.5452%3,711
Return on assets (ROA)0.5452%3,718
Pretax return on assets0.5248%3,921
Return on Equity (ROE)7.6800%3,322
Retained earnings to average equity (ytd only)7.6822%2,071
Net charge-offs to loans-0.5580%4,638
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio77.5599%1,033
Assets per employee ($millions)7.8048%1,412
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans4.9241%49
Loan loss allowance to noncurrent loans1,263.1579%807
Noncurrent assets plus other real estate owned to assets0.0487%3,294
Noncurrent loans to loans0.3898%1,756
Net loans and leases to total assets11.8700%4,501
Net loans and leases to deposits13.0819%4,504
Net loans and leases to core deposits13.6274%4,493
Total domestic deposits to total assets90.7700%711
Equity capital to assets7.2417%3,668
Core capital (leverage) ratio13.6643%842
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$39,250,0004,436
Average earning assets$35,904,3334,419
Average equity$2,785,6674,490
Average total loans$5,017,6674,518
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6326%4,629
Cost of funding earning assets0.4978%3,692
Net interest margin2.1349%4,519
Noninterest income to average assets0.2900%3,144
Noninterest expense to average assets2.1340%3,291
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.1524%4,400
Return on assets (ROA)0.1524%4,376
Pretax return on assets0.1219%4,395
Return on Equity (ROE)2.1700%4,280
Retained earnings to average equity (ytd only)2.1696%3,669
Net charge-offs to loans-0.7073%4,670
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio94.5946%246
Assets per employee ($millions)7.9826%1,352
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans5.2095%41
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets10.7100%4,572
Net loans and leases to deposits11.8419%4,576
Net loans and leases to core deposits12.3221%4,564
Total domestic deposits to total assets90.4700%987
Equity capital to assets7.5539%3,534
Core capital (leverage) ratio13.2405%900
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$39,363,0004,502
Average earning assets$36,161,5004,486
Average equity$2,765,5004,556
Average total loans$5,089,5004,587
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4192%4,530
Cost of funding earning assets0.2584%3,255
Net interest margin2.1608%4,493
Noninterest income to average assets0.3100%3,270
Noninterest expense to average assets2.2186%2,977
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.0691%4,531
Return on assets (ROA)0.0867%4,504
Pretax return on assets0.1238%4,494
Return on Equity (ROE)1.1000%4,478
Retained earnings to average equity (ytd only)1.1010%4,176
Net charge-offs to loans0.7246%98
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.9535%2,549
Efficiency ratio95.6243%201
Assets per employee ($millions)7.7626%1,456
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans3.9873%63
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets14.0200%4,591
Net loans and leases to deposits15.3067%4,592
Net loans and leases to core deposits15.9337%4,580
Total domestic deposits to total assets91.6000%754
Equity capital to assets6.4824%3,903
Core capital (leverage) ratio13.2588%874
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$40,386,6004,526
Average earning assets$37,532,6004,504
Average equity$3,179,0004,596
Average total loans$5,934,6004,612
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2923%4,540
Cost of funding earning assets0.2077%3,179
Net interest margin2.0845%4,525
Noninterest income to average assets0.3200%3,246
Noninterest expense to average assets1.7786%4,019
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.4310%4,190
Return on assets (ROA)0.4577%4,099
Pretax return on assets0.5035%4,144
Return on Equity (ROE)5.5800%3,871
Retained earnings to average equity (ytd only)5.5807%2,899
Net charge-offs to loans1.0442%47
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)3.0851%2,219
Efficiency ratio78.9550%841
Assets per employee ($millions)7.8590%1,397
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans4.0555%68
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets13.3700%4,632
Net loans and leases to deposits14.2714%4,641
Net loans and leases to core deposits14.8341%4,626
Total domestic deposits to total assets93.6500%422
Equity capital to assets4.5578%4,386
Core capital (leverage) ratio12.9610%919
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$40,780,0004,554
Average earning assets$37,865,5004,532
Average equity$3,344,7504,629
Average total loans$6,001,2504,647
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2272%4,553
Cost of funding earning assets0.1865%3,094
Net interest margin2.0407%4,539
Noninterest income to average assets0.3537%3,037
Noninterest expense to average assets1.8122%3,924
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.3937%4,120
Return on assets (ROA)0.4022%4,054
Pretax return on assets0.4603%4,059
Return on Equity (ROE)4.2975%3,963
Retained earnings to average equity (ytd only)4.2975%2,974
Net charge-offs to loans3.3350%13
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)0.9029%2,087
Efficiency ratio80.0857%940
Assets per employee ($millions)8.1386%1,235
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans2.8410%167
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets13.9508%4,690
Net loans and leases to deposits15.2632%4,696
Net loans and leases to core deposits15.8558%4,690
Total domestic deposits to total assets91.4015%1,066
Equity capital to assets6.7997%3,875
Core capital (leverage) ratio12.4716%981
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$41,275,0004,597
Average earning assets$38,613,6674,583
Average equity$3,862,6674,625
Average total loans$6,177,0004,710
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0412%4,608
Cost of funding earning assets0.1539%3,446
Net interest margin1.8873%4,587
Noninterest income to average assets0.3272%3,143
Noninterest expense to average assets1.6456%4,218
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.4427%3,868
Return on assets (ROA)0.4427%3,832
Pretax return on assets0.4523%3,948
Return on Equity (ROE)4.1719%3,832
Retained earnings to average equity (ytd only)4.1719%2,875
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.4404%1,276
Assets per employee ($millions)8.5420%1,089
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans4.5592%51
Loan loss allowance to noncurrent loans103.8314%3,353
Noncurrent assets plus other real estate owned to assets0.6111%977
Noncurrent loans to loans4.3910%81
Net loans and leases to total assets13.2826%4,723
Net loans and leases to deposits14.8287%4,725
Net loans and leases to core deposits15.5161%4,717
Total domestic deposits to total assets89.5739%1,781
Equity capital to assets8.5975%3,085
Core capital (leverage) ratio12.3374%963
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$41,566,0004,620
Average earning assets$38,996,5004,602
Average equity$4,410,5004,621
Average total loans$6,344,0004,734
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1518%4,635
Cost of funding earning assets0.2104%3,360
Net interest margin1.9413%4,627
Noninterest income to average assets0.4890%2,628
Noninterest expense to average assets2.3157%2,750
Loan and lease loss provision to assets-0.3351%4,786
Net operating income to assets0.3773%4,310
Return on assets (ROA)0.9233%3,026
Pretax return on assets0.8861%3,541
Return on Equity (ROE)7.1555%3,474
Retained earnings to average equity (ytd only)7.1555%1,859
Net charge-offs to loans-0.0565%4,379
Credit loss provision to net charge-offs2,250.0000%285
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio99.7861%149
Assets per employee ($millions)8.0844%1,289
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans3.9887%67
Loan loss allowance to noncurrent loans103.0651%3,370
Noncurrent assets plus other real estate owned to assets0.6457%1,012
Noncurrent loans to loans3.8701%110
Net loans and leases to total assets16.0185%4,753
Net loans and leases to deposits18.8014%4,752
Net loans and leases to core deposits19.7740%4,742
Total domestic deposits to total assets85.1987%3,210
Equity capital to assets12.7381%981
Core capital (leverage) ratio12.6260%892
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$40,289,6004,660
Average earning assets$38,015,0004,637
Average equity$5,198,8004,612
Average total loans$10,610,4004,720
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2604%4,689
Cost of funding earning assets0.2317%3,312
Net interest margin2.0287%4,666
Noninterest income to average assets0.5299%2,498
Noninterest expense to average assets1.7156%4,306
Loan and lease loss provision to assets-0.6955%4,899
Net operating income to assets1.4080%1,514
Return on assets (ROA)2.1064%408
Pretax return on assets2.1296%642
Return on Equity (ROE)16.2721%893
Retained earnings to average equity (ytd only)16.2721%279
Net charge-offs to loans-0.0461%4,316
Credit loss provision to net charge-offs5,250.0000%151
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.1897%1,580
Assets per employee ($millions)8.2336%1,162
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.8010%926
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets25.4299%4,720
Net loans and leases to deposits30.0333%4,700
Net loans and leases to core deposits31.5674%4,694
Total domestic deposits to total assets84.6726%3,237
Equity capital to assets13.2506%919
Core capital (leverage) ratio12.9828%850
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$40,256,5004,726
Average earning assets$37,987,2504,705
Average equity$5,211,2504,678
Average total loans$11,577,0004,773
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2750%4,735
Cost of funding earning assets0.2386%3,391
Net interest margin2.0364%4,692
Noninterest income to average assets0.6207%2,128
Noninterest expense to average assets1.7421%4,299
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.7786%3,567
Return on assets (ROA)0.8660%3,387
Pretax return on assets0.8911%3,681
Return on Equity (ROE)6.7446%3,720
Retained earnings to average equity (ytd only)6.7446%2,524
Net charge-offs to loans-0.0505%4,380
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.5039%1,817
Assets per employee ($millions)8.1870%1,118
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans3.5086%96
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets26.9403%4,728
Net loans and leases to deposits31.5780%4,733
Net loans and leases to core deposits33.1819%4,726
Total domestic deposits to total assets85.3133%2,983
Equity capital to assets12.6200%1,080
Core capital (leverage) ratio12.0986%1,052
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$39,952,6674,762
Average earning assets$37,714,0004,737
Average equity$5,130,0004,710
Average total loans$11,882,3334,805
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1953%4,796
Cost of funding earning assets0.2475%3,498
Net interest margin1.9478%4,756
Noninterest income to average assets0.7197%1,804
Noninterest expense to average assets1.7131%4,350
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.8247%3,337
Return on assets (ROA)1.0035%2,886
Pretax return on assets1.0238%3,307
Return on Equity (ROE)7.7465%3,401
Retained earnings to average equity (ytd only)7.7465%2,334
Net charge-offs to loans-0.0661%4,499
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0635%2,063
Assets per employee ($millions)8.1122%1,146
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans3.2067%128
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets29.7675%4,700
Net loans and leases to deposits34.7974%4,711
Net loans and leases to core deposits36.5668%4,704
Total domestic deposits to total assets85.5452%2,909
Equity capital to assets12.4726%1,090
Core capital (leverage) ratio12.2618%1,074
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$39,461,5004,792
Average earning assets$37,170,5004,765
Average equity$5,112,0004,737
Average total loans$12,109,0004,827
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8129%4,747
Cost of funding earning assets0.3335%3,962
Net interest margin2.4794%4,608
Noninterest income to average assets0.3436%3,408
Noninterest expense to average assets2.6862%2,281
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets-0.0122%4,741
Return on assets (ROA)0.3491%4,420
Pretax return on assets0.3654%4,463
Return on Equity (ROE)2.5212%4,479
Retained earnings to average equity (ytd only)2.5212%3,585
Net charge-offs to loans-0.0807%4,763
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio100.4077%168
Assets per employee ($millions)7.6724%1,179
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans3.3890%105
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets29.5761%4,760
Net loans and leases to deposits35.0261%4,765
Net loans and leases to core deposits36.9252%4,763
Total domestic deposits to total assets84.4403%2,972
Equity capital to assets13.4638%938
Core capital (leverage) ratio12.2943%1,126
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$36,668,4004,811
Average earning assets$34,484,0004,789
Average equity$5,077,0004,744
Average total loans$11,152,4004,874
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8720%4,806
Cost of funding earning assets0.3522%4,046
Net interest margin2.5199%4,641
Noninterest income to average assets0.3752%3,206
Noninterest expense to average assets2.1189%3,900
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets0.6186%3,720
Return on assets (ROA)1.0374%2,322
Pretax return on assets1.0484%2,913
Return on Equity (ROE)7.4380%3,032
Retained earnings to average equity (ytd only)7.4380%1,516
Net charge-offs to loans-0.0727%4,762
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.2118%1,108
Assets per employee ($millions)7.6744%1,132
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans3.2583%113
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 assets30.5640%4,806
Net loans and leases to deposits36.3636%4,820
Net loans and leases to core deposits38.3343%4,816
Total domestic deposits to total assets84.0509%2,804
Equity capital to assets13.8721%892
Core capital (leverage) ratio13.0011%951
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$36,245,0004,841
Average earning assets$34,075,2504,821
Average equity$5,055,0004,769
Average total loans$11,004,5004,910
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9793%4,851
Cost of funding earning assets0.3881%4,091
Net interest margin2.5913%4,661
Noninterest income to average assets0.4671%2,728
Noninterest expense to average assets2.2512%3,649
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.6559%3,557
Return on assets (ROA)0.9568%2,596
Pretax return on assets0.9624%3,140
Return on Equity (ROE)6.8470%3,190
Retained earnings to average equity (ytd only)6.8470%1,720
Net charge-offs to loans-0.0564%4,716
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.3694%1,116
Assets per employee ($millions)7.5162%1,171
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans3.2796%109
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets30.8401%4,840
Net loans and leases to deposits36.7447%4,849
Net loans and leases to core deposits38.7690%4,844
Total domestic deposits to total assets83.9307%2,770
Equity capital to assets13.9751%862
Core capital (leverage) ratio12.9908%1,001
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$35,536,0004,873
Average earning assets$33,497,3334,850
Average equity$4,965,6674,805
Average total loans$10,631,6674,950
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9059%4,978
Cost of funding earning assets0.4659%4,087
Net interest margin2.4400%4,856
Noninterest income to average assets0.4288%2,914
Noninterest expense to average assets2.6309%2,888
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.1015%4,656
Return on assets (ROA)0.5911%3,675
Pretax return on assets0.6143%3,896
Return on Equity (ROE)4.2302%3,892
Retained earnings to average equity (ytd only)4.2302%2,594
Net charge-offs to loans-0.0804%4,770
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.1864%323
Assets per employee ($millions)4.3550%3,467
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans3.9112%78
Loan loss allowance to noncurrent loans39,100.0000%26
Noncurrent assets plus other real estate owned to assets0.0029%4,632
Noncurrent loans to loans0.0100%4,539
Net loans and leases to total assets27.5718%4,938
Net loans and leases to deposits32.8916%4,946
Net loans and leases to core deposits34.8384%4,935
Total domestic deposits to total assets83.8261%2,846
Equity capital to assets13.9495%1,075
Core capital (leverage) ratio13.4170%1,060
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.7896%402
Memoranda:
Average total assets$34,513,5004,918
Average earning assets$32,623,5004,896
Average equity$4,822,5004,860
Average total loans$9,956,0004,999
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1430%5,016
Cost of funding earning assets0.5079%4,055
Net interest margin2.6351%4,883
Noninterest income to average assets0.4186%3,183
Noninterest expense to average assets2.5383%3,352
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets0.3454%4,687
Return on assets (ROA)0.5053%4,446
Pretax return on assets0.5083%4,562
Return on Equity (ROE)3.7003%4,534
Retained earnings to average equity (ytd only)3.7003%3,145
Net charge-offs to loans-0.1214%4,982
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.9793%442
Assets per employee ($millions)4.2734%3,542
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans3.9233%65
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets27.8644%4,996
Net loans and leases to deposits33.2565%5,004
Net loans and leases to core deposits35.2475%5,004
Total domestic deposits to total assets83.7862%2,919
Equity capital to assets13.9965%1,103
Core capital (leverage) ratio13.4419%1,070
Tier 1 risk-based capital ratio27.8422%571
Total risk-based capital ratio29.1048%558
Memoranda:
Average total assets$33,447,6004,985
Average earning assets$31,307,8004,971
Average equity$4,567,2004,936
Average total loans$9,063,6005,071
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1142%5,121
Cost of funding earning assets0.5112%4,096
Net interest margin2.6030%5,000
Noninterest income to average assets0.4570%2,983
Noninterest expense to average assets2.4371%3,593
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.4464%4,628
Return on assets (ROA)0.5972%4,349
Pretax return on assets0.6012%4,541
Return on Equity (ROE)4.4022%4,506
Retained earnings to average equity (ytd only)4.4022%3,195
Net charge-offs to loans-0.1356%5,050
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.4444%584
Assets per employee ($millions)4.2056%3,608
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans4.1293%59
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets26.7053%5,102
Net loans and leases to deposits31.9626%5,109
Net loans and leases to core deposits33.8967%5,108
Total domestic deposits to total assets83.5518%2,977
Equity capital to assets14.2072%1,076
Core capital (leverage) ratio13.7692%1,048
Tier 1 risk-based capital ratio29.5926%497
Total risk-based capital ratio30.8566%489
Memoranda:
Average total assets$33,262,7505,065
Average earning assets$31,039,7505,048
Average equity$4,512,7505,005
Average total loans$8,850,7505,154
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0309%5,203
Cost of funding earning assets0.4965%4,129
Net interest margin2.5343%5,110
Noninterest income to average assets0.4285%3,078
Noninterest expense to average assets2.3359%3,909
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.4889%4,550
Return on assets (ROA)0.6941%4,083
Pretax return on assets0.6700%4,403
Return on Equity (ROE)5.1993%4,295
Retained earnings to average equity (ytd only)5.1993%2,670
Net charge-offs to loans-0.1152%5,030
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.4052%700
Assets per employee ($millions)4.1936%3,582
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans4.3902%50
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets24.8621%5,168
Net loans and leases to deposits29.6053%5,170
Net loans and leases to core deposits31.0305%5,173
Total domestic deposits to total assets83.9787%2,875
Equity capital to assets13.8484%1,185
Core capital (leverage) ratio13.8015%1,024
Tier 1 risk-based capital ratio30.5154%468
Total risk-based capital ratio31.7755%458
Memoranda:
Average total assets$33,135,3305,105
Average earning assets$31,014,0005,086
Average equity$4,423,6705,052
Average total loans$8,677,0005,206
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9038%5,296
Cost of funding earning assets0.4796%4,158
Net interest margin2.4242%5,214
Noninterest income to average assets0.4738%2,711
Noninterest expense to average assets2.3688%3,847
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.3523%4,824
Return on assets (ROA)0.3523%4,830
Pretax return on assets0.3766%4,869
Return on Equity (ROE)2.6899%4,852
Retained earnings to average equity (ytd only)2.6899%3,857
Net charge-offs to loans-0.0924%5,011
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.2832%564
Assets per employee ($millions)4.1806%3,656
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans4.3359%52
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,905
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets25.0680%5,219
Net loans and leases to deposits30.1822%5,220
Net loans and leases to core deposits31.6401%5,215
Total domestic deposits to total assets83.0558%3,366
Equity capital to assets13.3413%1,277
Core capital (leverage) ratio13.7084%1,023
Tier 1 risk-based capital ratio29.8306%483
Total risk-based capital ratio31.0927%471
Memoranda:
Average total assets$32,928,5005,164
Average earning assets$30,856,0005,141
Average equity$4,312,5005,111
Average total loans$8,653,5005,262
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0286%5,220
Cost of funding earning assets0.2809%4,656
Net interest margin2.7477%5,064
Noninterest income to average assets0.4227%3,292
Noninterest expense to average assets2.6145%3,292
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.3834%4,888
Return on assets (ROA)0.3895%4,876
Pretax return on assets0.3834%4,951
Return on Equity (ROE)3.0909%4,882
Retained earnings to average equity (ytd only)-0.0719%4,994
Net charge-offs to loans-0.3503%5,318
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.3865%457
Assets per employee ($millions)4.6303%2,983
Cash dividends to net income (ytd only)*102.3256%230
Condition Ratios (%)
Loss allowance to loans4.4247%41
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets25.1913%5,266
Net loans and leases to deposits30.0261%5,266
Net loans and leases to core deposits31.2010%5,264
Total domestic deposits to total assets83.8979%3,029
Equity capital to assets12.8440%1,417
Core capital (leverage) ratio13.6720%1,017
Tier 1 risk-based capital ratio30.1527%469
Total risk-based capital ratio31.4164%458
Memoranda:
Average total assets$33,122,6005,204
Average earning assets$30,971,8005,183
Average equity$4,173,6005,155
Average total loans$9,135,2005,302
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9742%5,298
Cost of funding earning assets0.2747%4,657
Net interest margin2.6996%5,163
Noninterest income to average assets0.4244%3,327
Noninterest expense to average assets2.2622%4,192
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.6967%4,231
Return on assets (ROA)0.6927%4,254
Pretax return on assets0.6767%4,588
Return on Equity (ROE)5.5231%4,413
Retained earnings to average equity (ytd only)1.3091%4,775
Net charge-offs to loans-0.4166%5,385
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.8707%1,246
Assets per employee ($millions)4.6699%2,882
Cash dividends to net income (ytd only)*76.3028%658
Condition Ratios (%)
Loss allowance to loans4.2648%52
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets25.7518%5,324
Net loans and leases to deposits30.4239%5,334
Net loans and leases to core deposits31.2914%5,337
Total domestic deposits to total assets84.6432%2,738
Equity capital to assets12.5883%1,526
Core capital (leverage) ratio13.4540%1,118
Tier 1 risk-based capital ratio29.8371%485
Total risk-based capital ratio31.1018%478
Memoranda:
Average total assets$33,300,2505,270
Average earning assets$31,066,2505,252
Average equity$4,176,2505,220
Average total loans$9,283,2505,368
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9043%5,369
Cost of funding earning assets0.2623%4,684
Net interest margin2.6420%5,254
Noninterest income to average assets0.4477%3,165
Noninterest expense to average assets2.2027%4,361
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.6742%4,268
Return on assets (ROA)0.6686%4,293
Pretax return on assets0.7044%4,498
Return on Equity (ROE)5.3376%4,451
Retained earnings to average equity (ytd only)-0.9531%5,064
Net charge-offs to loans-0.5928%5,456
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.6148%1,481
Assets per employee ($millions)6.7046%1,070
Cash dividends to net income (ytd only)*117.8571%261
Condition Ratios (%)
Loss allowance to loans4.0939%56
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets26.2059%5,379
Net loans and leases to deposits30.5767%5,391
Net loans and leases to core deposits31.4131%5,392
Total domestic deposits to total assets85.7053%2,408
Equity capital to assets12.2931%1,666
Core capital (leverage) ratio13.2548%1,144
Tier 1 risk-based capital ratio24.4850%791
Total risk-based capital ratio25.7409%766
Memoranda:
Average total assets$33,504,0005,329
Average earning assets$31,264,0005,315
Average equity$4,196,6705,278
Average total loans$9,446,6705,423
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8090%5,454
Cost of funding earning assets0.2437%4,750
Net interest margin2.5653%5,344
Noninterest income to average assets0.4657%3,025
Noninterest expense to average assets2.0780%4,705
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.7404%3,943
Return on assets (ROA)0.7404%3,943
Pretax return on assets0.7762%4,208
Return on Equity (ROE)5.8567%4,204
Retained earnings to average equity (ytd only)-6.6124%5,273
Net charge-offs to loans-0.1668%5,337
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.8033%2,071
Assets per employee ($millions)6.7150%1,083
Cash dividends to net income (ytd only)*212.9032%175
Condition Ratios (%)
Loss allowance to loans3.6924%77
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets27.1899%5,421
Net loans and leases to deposits31.6957%5,424
Net loans and leases to core deposits32.5605%5,430
Total domestic deposits to total assets85.7841%2,641
Equity capital to assets12.2591%1,628
Core capital (leverage) ratio13.3303%1,058
Tier 1 risk-based capital ratio28.9736%513
Total risk-based capital ratio30.2327%513
Memoranda:
Average total assets$33,494,5005,385
Average earning assets$31,185,0005,369
Average equity$4,234,5005,325
Average total loans$9,590,0005,484
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8096%5,457
Cost of funding earning assets0.2357%4,682
Net interest margin2.5739%5,368
Noninterest income to average assets0.4846%3,097
Noninterest expense to average assets2.6203%3,379
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.2446%5,027
Return on assets (ROA)0.3560%4,837
Pretax return on assets0.3619%5,135
Return on Equity (ROE)2.5591%4,933
Retained earnings to average equity (ytd only)-3.4624%5,369
Net charge-offs to loans-0.0338%5,085
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.3452%369
Assets per employee ($millions)6.6828%1,112
Cash dividends to net income (ytd only)*235.2941%80
Condition Ratios (%)
Loss allowance to loans3.5666%84
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,206
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets27.9972%5,467
Net loans and leases to deposits33.8190%5,460
Net loans and leases to core deposits34.7808%5,480
Total domestic deposits to total assets82.7857%3,631
Equity capital to assets13.0275%1,255
Core capital (leverage) ratio13.4849%970
Tier 1 risk-based capital ratio29.3037%488
Total risk-based capital ratio30.5638%482
Memoranda:
Average total assets$33,430,8005,442
Average earning assets$30,965,2005,426
Average equity$4,650,0005,325
Average total loans$8,876,0005,559
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7986%5,521
Cost of funding earning assets0.2454%4,603
Net interest margin2.5532%5,435
Noninterest income to average assets0.4945%3,058
Noninterest expense to average assets2.3009%4,295
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.5556%4,553
Return on assets (ROA)0.6859%4,112
Pretax return on assets0.6899%4,634
Return on Equity (ROE)4.8543%4,586
Retained earnings to average equity (ytd only)4.8543%2,985
Net charge-offs to loans-0.1384%5,459
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.4742%1,050
Assets per employee ($millions)4.0546%3,893
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans4.1549%61
Loan loss allowance to noncurrent loans1,676.1905%385
Noncurrent assets plus other real estate owned to assets0.0647%4,911
Noncurrent loans to loans0.2479%4,066
Net loans and leases to total assets25.0331%5,590
Net loans and leases to deposits30.0886%5,586
Net loans and leases to core deposits30.9652%5,586
Total domestic deposits to total assets83.1982%3,395
Equity capital to assets14.8133%777
Core capital (leverage) ratio14.3562%803
Tier 1 risk-based capital ratio37.4425%272
Total risk-based capital ratio38.7064%268
Memoranda:
Average total assets$33,435,0005,506
Average earning assets$30,967,0005,486
Average equity$4,724,2505,373
Average total loans$8,669,7505,623
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7273%5,588
Cost of funding earning assets0.2613%4,454
Net interest margin2.4660%5,529
Noninterest income to average assets0.5271%2,846
Noninterest expense to average assets2.2566%4,447
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.5425%4,559
Return on assets (ROA)0.6278%4,221
Pretax return on assets0.6515%4,682
Return on Equity (ROE)4.5132%4,659
Retained earnings to average equity (ytd only)4.5132%3,023
Net charge-offs to loans-0.1145%5,452
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.0420%1,204
Assets per employee ($millions)4.1885%3,646
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans4.2979%55
Loan loss allowance to noncurrent loans404.6512%1,243
Noncurrent assets plus other real estate owned to assets0.2567%4,097
Noncurrent loans to loans1.0621%1,848
Net loans and leases to total assets23.1258%5,661
Net loans and leases to deposits27.5814%5,659
Net loans and leases to core deposits28.3524%5,662
Total domestic deposits to total assets83.8456%3,261
Equity capital to assets14.2205%896
Core capital (leverage) ratio13.9753%873
Tier 1 risk-based capital ratio29.7381%476
Total risk-based capital ratio30.9970%469
Memoranda:
Average total assets$33,767,6705,546
Average earning assets$31,386,6705,527
Average equity$4,697,3305,417
Average total loans$8,735,6705,673
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5712%5,696
Cost of funding earning assets0.2546%4,499
Net interest margin2.3166%5,654
Noninterest income to average assets0.4602%3,251
Noninterest expense to average assets2.4663%3,920
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.1652%5,440
Return on assets (ROA)0.1652%5,452
Pretax return on assets0.1416%5,488
Return on Equity (ROE)1.2008%5,462
Retained earnings to average equity (ytd only)1.2008%4,592
Net charge-offs to loans-0.1325%5,530
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.5701%362
Assets per employee ($millions)4.2215%3,630
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans4.0298%79
Loan loss allowance to noncurrent loans397.7011%1,268
Noncurrent assets plus other real estate owned to assets0.2576%4,179
Noncurrent loans to loans1.0133%2,025
Net loans and leases to total assets24.3989%5,694
Net loans and leases to deposits28.9580%5,692
Net loans and leases to core deposits29.7570%5,695
Total domestic deposits to total assets84.2562%3,373
Equity capital to assets13.8665%948
Core capital (leverage) ratio13.7022%914
Tier 1 risk-based capital ratio27.2562%611
Total risk-based capital ratio28.5135%593
Memoranda:
Average total assets$33,897,5005,604
Average earning assets$31,425,0005,589
Average equity$4,663,5005,481
Average total loans$9,055,0005,731
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0331%5,474
Cost of funding earning assets0.2673%4,395
Net interest margin2.7657%5,335
Noninterest income to average assets0.5427%2,963
Noninterest expense to average assets2.4405%4,187
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.6909%3,825
Return on assets (ROA)0.6909%3,931
Pretax return on assets0.6791%4,559
Return on Equity (ROE)4.8779%4,485
Retained earnings to average equity (ytd only)-0.9840%5,439
Net charge-offs to loans0.0565%2,923
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)38.1667%1,215
Efficiency ratio78.2319%1,663
Assets per employee ($millions)4.2529%3,521
Cash dividends to net income (ytd only)*120.1717%231
Condition Ratios (%)
Loss allowance to loans3.6014%101
Loan loss allowance to noncurrent loans389.7727%1,310
Noncurrent assets plus other real estate owned to assets0.2586%4,260
Noncurrent loans to loans0.9240%2,251
Net loans and leases to total assets26.9847%5,704
Net loans and leases to deposits31.9184%5,712
Net loans and leases to core deposits32.7881%5,723
Total domestic deposits to total assets84.5428%3,223
Equity capital to assets13.6496%996
Core capital (leverage) ratio13.6420%920
Tier 1 risk-based capital ratio33.2590%367
Total risk-based capital ratio34.5172%364
Memoranda:
Average total assets$33,723,0005,655
Average earning assets$31,420,2005,640
Average equity$4,776,6005,510
Average total loans$10,614,2005,752
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0771%5,493
Cost of funding earning assets0.2589%4,523
Net interest margin2.8182%5,326
Noninterest income to average assets0.5865%2,727
Noninterest expense to average assets2.3141%4,499
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.9312%2,747
Return on assets (ROA)0.9312%2,873
Pretax return on assets0.9035%3,966
Return on Equity (ROE)6.5145%3,830
Retained earnings to average equity (ytd only)-1.2475%5,520
Net charge-offs to loans-0.0980%5,567
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.9212%2,592
Assets per employee ($millions)4.7093%2,734
Cash dividends to net income (ytd only)*119.1459%236
Condition Ratios (%)
Loss allowance to loans3.7207%95
Loan loss allowance to noncurrent loans396.6667%1,278
Noncurrent assets plus other real estate owned to assets0.2730%4,338
Noncurrent loans to loans0.9380%2,368
Net loans and leases to total assets28.0237%5,756
Net loans and leases to deposits33.5610%5,763
Net loans and leases to core deposits34.5178%5,771
Total domestic deposits to total assets83.5007%3,397
Equity capital to assets14.6489%828
Core capital (leverage) ratio13.9684%858
Tier 1 risk-based capital ratio28.0536%582
Total risk-based capital ratio29.3144%571
Memoranda:
Average total assets$33,648,0005,717
Average earning assets$31,413,7505,698
Average equity$4,809,7505,553
Average total loans$10,886,7505,810
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1836%5,454
Cost of funding earning assets0.2527%4,633
Net interest margin2.9309%5,210
Noninterest income to average assets0.5255%3,035
Noninterest expense to average assets2.2907%4,635
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.9505%2,620
Return on assets (ROA)0.9505%2,764
Pretax return on assets0.9742%3,681
Return on Equity (ROE)6.7037%3,696
Retained earnings to average equity (ytd only)-4.9549%5,745
Net charge-offs to loans-0.0884%5,576
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.1627%2,952
Assets per employee ($millions)4.1825%3,598
Cash dividends to net income (ytd only)*173.9130%153
Condition Ratios (%)
Loss allowance to loans3.3494%139
Loan loss allowance to noncurrent loans324.7706%1,526
Noncurrent assets plus other real estate owned to assets0.3258%4,194
Noncurrent loans to loans1.0313%2,220
Net loans and leases to total assets30.5290%5,771
Net loans and leases to deposits36.3717%5,783
Net loans and leases to core deposits37.3875%5,801
Total domestic deposits to total assets83.9360%3,290
Equity capital to assets14.2767%939
Core capital (leverage) ratio13.4812%991
Tier 1 risk-based capital ratio30.4049%477
Total risk-based capital ratio31.6676%472
Memoranda:
Average total assets$33,875,6705,779
Average earning assets$31,662,3305,760
Average equity$4,803,3305,610
Average total loans$11,317,3305,879
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1798%5,513
Cost of funding earning assets0.2514%4,689
Net interest margin2.9284%5,267
Noninterest income to average assets0.5046%3,085
Noninterest expense to average assets2.3706%4,452
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.8450%3,009
Return on assets (ROA)0.8450%3,138
Pretax return on assets0.8685%3,972
Return on Equity (ROE)5.9794%3,999
Retained earnings to average equity (ytd only)5.9794%2,383
Net charge-offs to loans-0.0684%5,480
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1884%2,606
Assets per employee ($millions)4.2499%3,493
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans2.9610%232
Loan loss allowance to noncurrent loans316.2162%1,541
Noncurrent assets plus other real estate owned to assets0.3265%4,261
Noncurrent loans to loans0.9364%2,509
Net loans and leases to total assets33.8333%5,725
Net loans and leases to deposits40.3303%5,703
Net loans and leases to core deposits41.4373%5,736
Total domestic deposits to total assets83.8907%3,560
Equity capital to assets14.3887%860
Core capital (leverage) ratio13.8074%861
Tier 1 risk-based capital ratio30.1399%504
Total risk-based capital ratio31.3995%494
Memoranda:
Average total assets$34,083,5005,835
Average earning assets$31,826,0005,814
Average equity$4,816,5005,657
Average total loans$11,691,5005,924
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1892%5,528
Cost of funding earning assets0.2110%5,184
Net interest margin2.9782%5,187
Noninterest income to average assets0.4660%3,554
Noninterest expense to average assets3.0307%2,441
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.1274%5,717
Return on assets (ROA)0.1274%5,764
Pretax return on assets0.2142%5,668
Return on Equity (ROE)0.9188%5,787
Retained earnings to average equity (ytd only)0.9188%5,154
Net charge-offs to loans0.3102%969
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)1.9474%4,003
Efficiency ratio93.3988%512
Assets per employee ($millions)4.2710%3,448
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans3.0271%216
Loan loss allowance to noncurrent loans311.6071%1,584
Noncurrent assets plus other real estate owned to assets0.3278%4,274
Noncurrent loans to loans0.9715%2,389
Net loans and leases to total assets32.7207%5,815
Net loans and leases to deposits38.7401%5,814
Net loans and leases to core deposits39.7907%5,828
Total domestic deposits to total assets84.4621%3,302
Equity capital to assets13.8756%975
Core capital (leverage) ratio13.4664%982
Tier 1 risk-based capital ratio29.4600%533
Total risk-based capital ratio30.7217%523
Memoranda:
Average total assets$34,546,8005,877
Average earning assets$32,233,8005,851
Average equity$4,789,0005,701
Average total loans$12,248,6005,967
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2089%5,572
Cost of funding earning assets0.2062%5,323
Net interest margin3.0027%5,184
Noninterest income to average assets0.4388%3,809
Noninterest expense to average assets2.3170%4,739
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.8160%3,353
Return on assets (ROA)0.8160%3,442
Pretax return on assets0.9237%3,903
Return on Equity (ROE)5.8875%4,201
Retained earnings to average equity (ytd only)5.8875%2,318
Net charge-offs to loans-0.0537%5,567
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4964%2,958
Assets per employee ($millions)4.2834%3,351
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans3.4586%157
Loan loss allowance to noncurrent loans343.8596%1,426
Noncurrent assets plus other real estate owned to assets0.4582%3,962
Noncurrent loans to loans1.0058%2,464
Net loans and leases to total assets31.9316%5,926
Net loans and leases to deposits38.0168%5,927
Net loans and leases to core deposits39.0493%5,945
Total domestic deposits to total assets83.9933%3,430
Equity capital to assets14.3753%890
Core capital (leverage) ratio14.0155%859
Tier 1 risk-based capital ratio31.7958%451
Total risk-based capital ratio33.0574%448
Memoranda:
Average total assets$34,641,5005,957
Average earning assets$32,326,0005,930
Average equity$4,801,0005,777
Average total loans$12,428,5006,043
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2276%5,573
Cost of funding earning assets0.2090%5,367
Net interest margin3.0185%5,179
Noninterest income to average assets0.4142%3,974
Noninterest expense to average assets2.4679%4,338
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.6213%4,256
Return on assets (ROA)0.6213%4,372
Pretax return on assets0.7709%4,422
Return on Equity (ROE)4.5385%4,807
Retained earnings to average equity (ytd only)4.5385%3,141
Net charge-offs to loans-0.0469%5,521
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.1989%2,322
Assets per employee ($millions)4.4220%3,107
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans3.0806%251
Loan loss allowance to noncurrent loans66.2139%4,589
Noncurrent assets plus other real estate owned to assets1.7865%1,293
Noncurrent loans to loans4.6524%283
Net loans and leases to total assets34.6845%5,877
Net loans and leases to deposits40.8428%5,878
Net loans and leases to core deposits41.9043%5,900
Total domestic deposits to total assets84.9220%3,148
Equity capital to assets13.5346%1,156
Core capital (leverage) ratio13.3467%1,029
Tier 1 risk-based capital ratio27.9330%645
Total risk-based capital ratio29.1938%640
Memoranda:
Average total assets$34,766,3306,019
Average earning assets$32,532,3305,988
Average equity$4,759,3305,841
Average total loans$12,793,3306,102
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0475%5,845
Cost of funding earning assets0.2230%5,288
Net interest margin2.8245%5,595
Noninterest income to average assets0.4527%3,619
Noninterest expense to average assets2.2402%5,041
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.8473%3,019
Return on assets (ROA)0.8473%3,141
Pretax return on assets0.8589%4,028
Return on Equity (ROE)6.1538%3,951
Retained earnings to average equity (ytd only)6.1538%2,400
Net charge-offs to loans-0.0311%5,281
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2846%3,123
Assets per employee ($millions)4.4303%3,162
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans3.0138%292
Loan loss allowance to noncurrent loans40.5434%5,285
Noncurrent assets plus other real estate owned to assets2.8215%698
Noncurrent loans to loans7.4336%112
Net loans and leases to total assets35.2294%5,863
Net loans and leases to deposits41.4928%5,862
Net loans and leases to core deposits42.5678%5,886
Total domestic deposits to total assets84.9049%3,455
Equity capital to assets13.5856%1,134
Core capital (leverage) ratio13.5674%949
Tier 1 risk-based capital ratio23.6794%1,028
Total risk-based capital ratio24.9345%1,016
Memoranda:
Average total assets$34,461,5006,090
Average earning assets$32,289,0006,052
Average equity$4,745,0005,897
Average total loans$12,860,0006,158
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3516%5,620
Cost of funding earning assets0.2369%5,457
Net interest margin3.1147%5,170
Noninterest income to average assets0.6444%2,589
Noninterest expense to average assets2.8538%3,286
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.6622%4,076
Return on assets (ROA)0.6622%4,176
Pretax return on assets0.6800%4,693
Return on Equity (ROE)4.8561%4,734
Retained earnings to average equity (ytd only)4.8561%2,711
Net charge-offs to loans-0.4083%6,371
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.7563%1,811
Assets per employee ($millions)4.7830%2,614
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans3.0126%295
Loan loss allowance to noncurrent loans282.4818%1,716
Noncurrent assets plus other real estate owned to assets0.5376%4,006
Noncurrent loans to loans1.0665%2,690
Net loans and leases to total assets37.2122%5,893
Net loans and leases to deposits44.1809%5,872
Net loans and leases to core deposits45.4045%5,919
Total domestic deposits to total assets84.2269%3,618
Equity capital to assets13.9631%963
Core capital (leverage) ratio13.2746%1,034
Tier 1 risk-based capital ratio28.9495%571
Total risk-based capital ratio30.2134%552
Memoranda:
Average total assets$33,674,6006,183
Average earning assets$31,239,0006,158
Average equity$4,592,2005,963
Average total loans$12,981,4006,228
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4061%5,586
Cost of funding earning assets0.2342%5,561
Net interest margin3.1719%5,050
Noninterest income to average assets0.7235%2,208
Noninterest expense to average assets2.5027%4,519
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.1663%1,804
Return on assets (ROA)1.1663%1,872
Pretax return on assets1.1663%2,923
Return on Equity (ROE)8.6037%2,902
Retained earnings to average equity (ytd only)8.6037%1,123
Net charge-offs to loans-0.5225%6,466
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2112%3,822
Assets per employee ($millions)4.9300%2,330
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans3.2060%290
Loan loss allowance to noncurrent loans54.1374%4,993
Noncurrent assets plus other real estate owned to assets2.0661%1,367
Noncurrent loans to loans5.9219%241
Net loans and leases to total assets33.7699%6,122
Net loans and leases to deposits39.8768%6,120
Net loans and leases to core deposits40.9401%6,154
Total domestic deposits to total assets84.6856%3,462
Equity capital to assets13.8337%1,058
Core capital (leverage) ratio13.7827%901
Tier 1 risk-based capital ratio25.5411%827
Total risk-based capital ratio26.8026%812
Memoranda:
Average total assets$33,723,0006,257
Average earning assets$31,315,5006,233
Average equity$4,571,5006,028
Average total loans$13,015,2506,301
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5547%5,274
Cost of funding earning assets0.2585%5,399
Net interest margin3.2962%4,607
Noninterest income to average assets0.4483%3,887
Noninterest expense to average assets2.5881%4,280
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.9085%2,764
Return on assets (ROA)0.9085%2,863
Pretax return on assets0.9085%3,857
Return on Equity (ROE)6.7496%3,754
Retained earnings to average equity (ytd only)6.7496%1,901
Net charge-offs to loans-0.7646%6,556
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0171%2,976
Assets per employee ($millions)4.7723%2,514
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.8633%449
Loan loss allowance to noncurrent loans159.0909%2,588
Noncurrent assets plus other real estate owned to assets1.8470%1,761
Noncurrent loans to loans1.7998%1,901
Net loans and leases to total assets39.0978%5,887
Net loans and leases to deposits46.1813%5,877
Net loans and leases to core deposits47.4549%5,925
Total domestic deposits to total assets84.6614%3,654
Equity capital to assets13.8358%1,037
Core capital (leverage) ratio13.3232%1,042
Tier 1 risk-based capital ratio26.1343%758
Total risk-based capital ratio27.3963%745
Memoranda:
Average total assets$33,460,6706,318
Average earning assets$30,945,0006,298
Average equity$4,504,0006,092
Average total loans$13,340,3306,343
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8637%4,229
Cost of funding earning assets0.2714%5,372
Net interest margin3.5923%3,276
Noninterest income to average assets0.4181%4,046
Noninterest expense to average assets2.6995%3,935
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.0392%2,045
Return on assets (ROA)1.0392%2,118
Pretax return on assets1.0392%3,168
Return on Equity (ROE)7.8290%3,025
Retained earnings to average equity (ytd only)7.8290%1,671
Net charge-offs to loans-1.5353%6,657
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2045%3,449
Assets per employee ($millions)4.8771%2,402
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.8776%497
Loan loss allowance to noncurrent loans145.8333%2,704
Noncurrent assets plus other real estate owned to assets1.8717%1,847
Noncurrent loans to loans1.9732%1,895
Net loans and leases to total assets38.0609%5,940
Net loans and leases to deposits44.6529%5,936
Net loans and leases to core deposits45.8472%6,001
Total domestic deposits to total assets85.2373%3,753
Equity capital to assets13.2308%1,198
Core capital (leverage) ratio13.2738%1,053
Tier 1 risk-based capital ratio23.9377%1,006
Total risk-based capital ratio25.1959%989
Memoranda:
Average total assets$33,488,0006,383
Average earning assets$30,955,0006,361
Average equity$4,445,0006,147
Average total loans$13,287,5006,408
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4159%5,811
Cost of funding earning assets0.2687%5,842
Net interest margin3.1472%5,168
Noninterest income to average assets0.6214%2,965
Noninterest expense to average assets2.9276%3,283
Loan and lease loss provision to assets0.1792%2,063
Net operating income to assets0.4182%5,086
Return on assets (ROA)0.4182%5,196
Pretax return on assets0.4182%5,449
Return on Equity (ROE)3.1982%5,432
Retained earnings to average equity (ytd only)3.1982%3,958
Net charge-offs to loans1.0287%553
Credit loss provision to net charge-offs43.7956%3,963
Earnings coverage of net charge-offs (x)1.4599%4,568
Efficiency ratio83.0508%1,746
Assets per employee ($millions)5.4727%1,677
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.5311%797
Loan loss allowance to noncurrent loans64.2308%4,706
Noncurrent assets plus other real estate owned to assets2.7257%1,222
Noncurrent loans to loans3.9406%742
Net loans and leases to total assets39.1704%6,020
Net loans and leases to deposits45.9751%6,012
Net loans and leases to core deposits47.2555%6,078
Total domestic deposits to total assets85.1992%3,641
Equity capital to assets13.3177%1,133
Core capital (leverage) ratio13.3449%1,010
Tier 1 risk-based capital ratio23.9815%958
Total risk-based capital ratio25.2397%947
Memoranda:
Average total assets$33,474,8006,445
Average earning assets$30,885,0006,429
Average equity$4,377,4006,241
Average total loans$13,318,2006,477
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3801%5,925
Cost of funding earning assets0.2702%5,961
Net interest margin3.1099%5,294
Noninterest income to average assets0.2775%5,460
Noninterest expense to average assets2.6639%4,151
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.4876%4,850
Return on assets (ROA)0.4876%5,007
Pretax return on assets0.4876%5,390
Return on Equity (ROE)3.7456%5,333
Retained earnings to average equity (ytd only)3.7456%4,024
Net charge-offs to loans-0.0100%5,891
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.5283%1,533
Assets per employee ($millions)4.7201%2,544
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans3.0492%520
Loan loss allowance to noncurrent loans38.8469%5,671
Noncurrent assets plus other real estate owned to assets3.2021%1,121
Noncurrent loans to loans7.8492%226
Net loans and leases to total assets39.5509%6,062
Net loans and leases to deposits46.3191%6,076
Net loans and leases to core deposits47.5962%6,141
Total domestic deposits to total assets85.3879%3,547
Equity capital to assets13.2472%1,220
Core capital (leverage) ratio13.0279%1,193
Tier 1 risk-based capital ratio22.7424%1,190
Total risk-based capital ratio24.0021%1,169
Memoranda:
Average total assets$33,634,5006,516
Average earning assets$31,083,0006,489
Average equity$4,378,5006,318
Average total loans$13,348,7506,544
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3331%6,033
Cost of funding earning assets0.2949%5,870
Net interest margin3.0383%5,476
Noninterest income to average assets0.2956%5,337
Noninterest expense to average assets2.7843%3,726
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.3133%5,555
Return on assets (ROA)0.3133%5,704
Pretax return on assets0.3133%5,839
Return on Equity (ROE)2.4206%5,827
Retained earnings to average equity (ytd only)2.4206%4,760
Net charge-offs to loans0.1503%2,901
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)5.3000%2,918
Efficiency ratio89.8855%1,058
Assets per employee ($millions)4.7457%2,458
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.8874%651
Loan loss allowance to noncurrent loans38.4837%5,696
Noncurrent assets plus other real estate owned to assets3.4828%1,108
Noncurrent loans to loans7.5029%295
Net loans and leases to total assets40.5990%6,006
Net loans and leases to deposits47.3677%6,025
Net loans and leases to core deposits48.6614%6,096
Total domestic deposits to total assets85.7104%3,521
Equity capital to assets12.9259%1,371
Core capital (leverage) ratio12.7741%1,255
Tier 1 risk-based capital ratio22.0227%1,276
Total risk-based capital ratio23.2830%1,254
Memoranda:
Average total assets$33,832,3306,559
Average earning assets$31,202,0006,533
Average equity$4,379,0006,363
Average total loans$13,305,3306,591
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1760%6,323
Cost of funding earning assets0.3049%5,933
Net interest margin2.8711%5,867
Noninterest income to average assets0.2929%5,364
Noninterest expense to average assets2.6832%4,132
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.2578%5,701
Return on assets (ROA)0.2578%5,824
Pretax return on assets0.2578%5,937
Return on Equity (ROE)1.9903%5,944
Retained earnings to average equity (ytd only)1.9903%5,008
Net charge-offs to loans0.1844%2,299
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)3.6667%2,707
Efficiency ratio91.2351%1,050
Assets per employee ($millions)4.9303%2,310
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans3.1975%548
Loan loss allowance to noncurrent loans38.8303%5,661
Noncurrent assets plus other real estate owned to assets3.3554%1,294
Noncurrent loans to loans8.2346%313
Net loans and leases to total assets35.5268%6,331
Net loans and leases to deposits41.3524%6,356
Net loans and leases to core deposits42.4329%6,384
Total domestic deposits to total assets85.9121%3,573
Equity capital to assets12.8129%1,523
Core capital (leverage) ratio12.5896%1,300
Tier 1 risk-based capital ratio25.0175%890
Total risk-based capital ratio26.2786%873
Memoranda:
Average total assets$34,138,5006,611
Average earning assets$31,486,0006,587
Average equity$4,421,5006,411
Average total loans$13,014,0006,657
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2090%4,554
Cost of funding earning assets0.5562%4,758
Net interest margin3.6527%3,861
Noninterest income to average assets0.3760%4,783
Noninterest expense to average assets2.7479%4,225
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.9417%2,593
Return on assets (ROA)0.9417%2,841
Pretax return on assets0.9417%3,775
Return on Equity (ROE)7.3945%3,412
Retained earnings to average equity (ytd only)7.3945%1,376
Net charge-offs to loans0.1113%4,563
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)19.5333%1,380
Efficiency ratio74.4774%2,992
Assets per employee ($millions)4.8236%2,459
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans3.0759%617
Loan loss allowance to noncurrent loans35.9580%5,820
Noncurrent assets plus other real estate owned to assets3.7258%1,193
Noncurrent loans to loans8.5541%323
Net loans and leases to total assets38.3563%6,276
Net loans and leases to deposits44.7930%6,323
Net loans and leases to core deposits45.5893%6,393
Total domestic deposits to total assets85.6301%3,539
Equity capital to assets13.0934%1,392
Core capital (leverage) ratio12.6120%1,278
Tier 1 risk-based capital ratio24.0629%958
Total risk-based capital ratio25.3237%943
Memoranda:
Average total assets$31,115,0006,733
Average earning assets$28,225,4006,710
Average equity$3,962,4006,576
Average total loans$13,480,2006,715
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3807%4,132
Cost of funding earning assets0.6016%4,633
Net interest margin3.7791%3,427
Noninterest income to average assets0.3853%4,746
Noninterest expense to average assets2.5701%4,846
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.2259%1,648
Return on assets (ROA)1.2259%1,823
Pretax return on assets1.2259%2,884
Return on Equity (ROE)9.7023%2,499
Retained earnings to average equity (ytd only)9.7023%999
Net charge-offs to loans0.1579%3,856
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)17.5021%1,624
Efficiency ratio67.7047%4,128
Assets per employee ($millions)4.1524%3,564
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.9229%783
Loan loss allowance to noncurrent loans27.7966%6,227
Noncurrent assets plus other real estate owned to assets4.4402%1,048
Noncurrent loans to loans10.5154%222
Net loans and leases to total assets40.9916%6,203
Net loans and leases to deposits47.9590%6,262
Net loans and leases to core deposits50.0386%6,281
Total domestic deposits to total assets85.4722%3,525
Equity capital to assets13.2665%1,465
Core capital (leverage) ratio12.5326%1,396
Tier 1 risk-based capital ratio23.4202%1,109
Total risk-based capital ratio24.6840%1,086
Memoranda:
Average total assets$30,452,5006,832
Average earning assets$27,483,5006,815
Average equity$3,847,7506,682
Average total loans$13,509,7506,804
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6834%2,990
Cost of funding earning assets0.6119%4,793
Net interest margin4.0715%2,199
Noninterest income to average assets0.4470%4,316
Noninterest expense to average assets2.7565%4,193
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.3410%1,327
Return on assets (ROA)1.3410%1,484
Pretax return on assets1.3410%2,418
Return on Equity (ROE)10.8157%2,058
Retained earnings to average equity (ytd only)10.8157%779
Net charge-offs to loans0.2699%2,964
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)11.0000%2,002
Efficiency ratio67.2727%4,276
Assets per employee ($millions)4.8229%2,401
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.6292%1,121
Loan loss allowance to noncurrent loans38.6364%5,729
Noncurrent assets plus other real estate owned to assets3.1280%1,744
Noncurrent loans to loans6.8050%585
Net loans and leases to total assets44.7571%5,943
Net loans and leases to deposits52.0568%6,022
Net loans and leases to core deposits54.2647%6,075
Total domestic deposits to total assets85.9775%3,361
Equity capital to assets12.8081%1,619
Core capital (leverage) ratio12.2756%1,458
Tier 1 risk-based capital ratio20.0970%1,685
Total risk-based capital ratio21.3582%1,652
Memoranda:
Average total assets$29,530,3306,902
Average earning assets$26,476,6706,890
Average equity$3,661,3306,767
Average total loans$13,337,3306,865
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1446%1,448
Cost of funding earning assets0.7604%3,784
Net interest margin4.3842%1,263
Noninterest income to average assets0.4523%4,278
Noninterest expense to average assets3.2099%2,570
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.1964%1,750
Return on assets (ROA)1.1964%1,931
Pretax return on assets1.1964%2,924
Return on Equity (ROE)9.8498%2,453
Retained earnings to average equity (ytd only)9.8498%1,306
Net charge-offs to loans-0.2286%7,019
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.8477%3,283
Assets per employee ($millions)4.7243%2,630
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.7130%1,100
Loan loss allowance to noncurrent loans62.8986%4,367
Noncurrent assets plus other real estate owned to assets2.0865%2,792
Noncurrent loans to loans4.3133%1,386
Net loans and leases to total assets47.0608%5,679
Net loans and leases to deposits54.7338%5,728
Net loans and leases to core deposits57.1056%5,807
Total domestic deposits to total assets85.9813%3,536
Equity capital to assets12.8092%1,539
Core capital (leverage) ratio12.4992%1,345
Tier 1 risk-based capital ratio21.3758%1,401
Total risk-based capital ratio22.6366%1,375
Memoranda:
Average total assets$27,415,5007,019
Average earning assets$24,725,0006,991
Average equity$3,330,0006,891
Average total loans$12,247,0006,971
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9375%6,561
Cost of funding earning assets0.6404%5,869
Net interest margin3.2971%5,817
Noninterest income to average assets0.4767%4,017
Noninterest expense to average assets3.1967%2,880
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets0.1916%5,614
Return on assets (ROA)0.1916%5,743
Pretax return on assets0.1916%5,806
Return on Equity (ROE)1.7475%5,753
Retained earnings to average equity (ytd only)1.7475%4,974
Net charge-offs to loans-0.0904%7,125
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.3448%901
Assets per employee ($millions)4.3522%3,155
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans4.2603%307
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,026
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets37.3834%6,672
Net loans and leases to deposits42.9106%6,766
Net loans and leases to core deposits44.6855%6,787
Total domestic deposits to total assets87.1192%2,697
Equity capital to assets11.1392%2,853
Core capital (leverage) ratio10.2708%3,003
Tier 1 risk-based capital ratio18.0759%2,167
Total risk-based capital ratio19.3458%2,136
Memoranda:
Average total assets$21,396,8007,172
Average earning assets$18,895,4007,165
Average equity$2,346,2007,154
Average total loans$8,851,0007,150
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0966%6,423
Cost of funding earning assets0.6828%5,863
Net interest margin3.4138%5,529
Noninterest income to average assets0.4881%3,969
Noninterest expense to average assets3.3480%2,355
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets0.1440%5,850
Return on assets (ROA)0.1440%5,976
Pretax return on assets0.1440%6,014
Return on Equity (ROE)1.3181%5,994
Retained earnings to average equity (ytd only)1.3181%5,483
Net charge-offs to loans-0.0895%7,147
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.8781%831
Assets per employee ($millions)4.2590%3,353
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans4.6814%228
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,097
Noncurrent loans to loans0.0000%6,971
Net loans and leases to total assets34.4212%6,934
Net loans and leases to deposits39.5874%6,986
Net loans and leases to core deposits42.4362%6,972
Total domestic deposits to total assets86.9500%2,688
Equity capital to assets11.3125%2,853
Core capital (leverage) ratio10.4907%2,879
Tier 1 risk-based capital ratio19.0753%1,908
Total risk-based capital ratio20.3487%1,878
Memoranda:
Average total assets$21,305,7507,247
Average earning assets$18,746,7507,240
Average equity$2,326,7507,227
Average total loans$8,939,5007,218
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2317%6,214
Cost of funding earning assets0.6911%6,013
Net interest margin3.5406%4,968
Noninterest income to average assets0.4224%4,493
Noninterest expense to average assets3.4257%2,194
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.1220%5,957
Return on assets (ROA)0.1220%6,047
Pretax return on assets0.1220%6,066
Return on Equity (ROE)1.1308%6,051
Retained earnings to average equity (ytd only)1.1308%5,409
Net charge-offs to loans-0.0641%7,072
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.5608%851
Assets per employee ($millions)4.3014%3,166
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans4.1541%372
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets38.2992%6,845
Net loans and leases to deposits43.8582%6,925
Net loans and leases to core deposits46.2961%6,920
Total domestic deposits to total assets87.3251%2,557
Equity capital to assets10.9639%3,000
Core capital (leverage) ratio10.4841%2,726
Tier 1 risk-based capital ratio16.3973%2,792
Total risk-based capital ratio17.6666%2,742
Memoranda:
Average total assets$21,309,3307,314
Average earning assets$18,810,3307,310
Average equity$2,299,3307,294
Average total loans$9,356,0007,274
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1061%6,488
Cost of funding earning assets0.6916%6,181
Net interest margin3.4146%5,374
Noninterest income to average assets0.5092%3,808
Noninterest expense to average assets3.8472%1,255
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets-0.3583%6,712
Return on assets (ROA)-0.3583%6,717
Pretax return on assets-0.3583%6,657
Return on Equity (ROE)-3.3480%6,696
Retained earnings to average equity (ytd only)-3.3480%6,340
Net charge-offs to loans-0.0411%6,828
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio104.3243%617
Assets per employee ($millions)4.2672%3,305
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.7095%525
Loan loss allowance to noncurrent loans241.4966%1,243
Noncurrent assets plus other real estate owned to assets0.6890%5,567
Noncurrent loans to loans1.5361%4,164
Net loans and leases to total assets43.1899%6,530
Net loans and leases to deposits49.2807%6,667
Net loans and leases to core deposits52.0269%6,675
Total domestic deposits to total assets87.6406%2,585
Equity capital to assets10.7190%2,966
Core capital (leverage) ratio10.3430%2,765
Tier 1 risk-based capital ratio16.3159%2,746
Total risk-based capital ratio17.5847%2,705
Memoranda:
Average total assets$21,210,5007,379
Average earning assets$18,509,0007,374
Average equity$2,270,0007,351
Average total loans$9,737,0007,325
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6977%5,813
Cost of funding earning assets0.9024%6,169
Net interest margin3.7954%3,968
Noninterest income to average assets0.6726%3,004
Noninterest expense to average assets3.6079%1,903
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets0.3987%4,543
Return on assets (ROA)0.3987%4,686
Pretax return on assets0.3987%4,948
Return on Equity (ROE)3.5229%4,740
Retained earnings to average equity (ytd only)-17.6995%6,962
Net charge-offs to loans-0.1471%7,526
Credit loss provision to net charge-offs0.0000%6,628
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.6523%1,840
Assets per employee ($millions)4.2170%3,356
Cash dividends to net income (ytd only)*602.4096%33
Condition Ratios (%)
Loss allowance to loans3.5642%571
Loan loss allowance to noncurrent loans240.1361%1,273
Noncurrent assets plus other real estate owned to assets0.6972%5,609
Noncurrent loans to loans1.4842%4,254
Net loans and leases to total assets45.2976%6,614
Net loans and leases to deposits51.6577%6,768
Net loans and leases to core deposits55.3777%6,728
Total domestic deposits to total assets87.6879%2,427
Equity capital to assets10.6853%2,972
Core capital (leverage) ratio10.3942%2,676
Tier 1 risk-based capital ratio16.0533%2,726
Total risk-based capital ratio17.3191%2,679
Memoranda:
Average total assets$20,815,4007,448
Average earning assets$18,285,4007,441
Average equity$2,356,0007,436
Average total loans$10,199,4007,385
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7738%5,765
Cost of funding earning assets0.9418%6,216
Net interest margin3.8320%3,831
Noninterest income to average assets0.7005%2,811
Noninterest expense to average assets3.5280%1,972
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets0.5976%3,887
Return on assets (ROA)0.5976%4,042
Pretax return on assets0.5976%4,602
Return on Equity (ROE)5.2063%4,197
Retained earnings to average equity (ytd only)-22.7837%7,261
Net charge-offs to loans-0.2207%7,629
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.7508%2,378
Assets per employee ($millions)4.1950%3,454
Cash dividends to net income (ytd only)*537.6210%18
Condition Ratios (%)
Loss allowance to loans3.5786%512
Loan loss allowance to noncurrent loans211.9048%1,376
Noncurrent assets plus other real estate owned to assets0.8010%5,496
Noncurrent loans to loans1.6888%4,105
Net loans and leases to total assets45.7306%6,718
Net loans and leases to deposits52.4784%6,866
Net loans and leases to core deposits56.3208%6,839
Total domestic deposits to total assets87.1418%2,453
Equity capital to assets11.2944%2,709
Core capital (leverage) ratio10.7162%2,497
Tier 1 risk-based capital ratio15.5164%2,989
Total risk-based capital ratio16.7835%2,948
Memoranda:
Average total assets$20,748,0007,543
Average earning assets$18,545,0007,533
Average equity$2,381,7507,523
Average total loans$10,273,2507,480
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8809%5,483
Cost of funding earning assets1.0020%6,130
Net interest margin3.8788%3,542
Noninterest income to average assets0.7159%2,614
Noninterest expense to average assets3.6280%1,712
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets0.5708%3,989
Return on assets (ROA)0.5708%4,138
Pretax return on assets0.5708%4,666
Return on Equity (ROE)4.9455%4,311
Retained earnings to average equity (ytd only)-36.9656%7,499
Net charge-offs to loans-0.3082%7,692
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.3364%2,252
Assets per employee ($millions)4.0486%3,677
Cash dividends to net income (ytd only)*847.4576%21
Condition Ratios (%)
Loss allowance to loans3.4869%548
Loan loss allowance to noncurrent loans806.8182%420
Noncurrent assets plus other real estate owned to assets0.2174%6,853
Noncurrent loans to loans0.4322%6,374
Net loans and leases to total assets48.5402%6,586
Net loans and leases to deposits55.6399%6,757
Net loans and leases to core deposits61.4432%6,598
Total domestic deposits to total assets87.2400%2,412
Equity capital to assets11.1594%2,720
Core capital (leverage) ratio10.1791%2,961
Tier 1 risk-based capital ratio15.0758%3,121
Total risk-based capital ratio16.3391%3,074
Memoranda:
Average total assets$20,672,3307,610
Average earning assets$18,562,3307,598
Average equity$2,386,0007,578
Average total loans$10,381,6707,532
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6731%6,337
Cost of funding earning assets1.0735%6,022
Net interest margin3.5995%4,732
Noninterest income to average assets0.7469%2,318
Noninterest expense to average assets4.1748%835
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets-0.1532%6,486
Return on assets (ROA)-0.1532%6,561
Pretax return on assets-0.1532%6,510
Return on Equity (ROE)-1.3064%6,560
Retained earnings to average equity (ytd only)-82.9557%7,797
Net charge-offs to loans-0.5342%7,805
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.5714%896
Assets per employee ($millions)4.3154%3,263
Cash dividends to net income (ytd only)*-6,250.0000%7,924
Condition Ratios (%)
Loss allowance to loans3.5258%537
Loan loss allowance to noncurrent loans630.3571%513
Noncurrent assets plus other real estate owned to assets0.2595%6,820
Noncurrent loans to loans0.5593%6,179
Net loans and leases to total assets44.7653%6,920
Net loans and leases to deposits50.6210%7,099
Net loans and leases to core deposits57.7830%6,895
Total domestic deposits to total assets88.4321%1,837
Equity capital to assets10.1312%3,699
Core capital (leverage) ratio9.5346%3,714
Tier 1 risk-based capital ratio14.4594%3,407
Total risk-based capital ratio15.7244%3,361
Memoranda:
Average total assets$20,887,0007,704
Average earning assets$19,002,5007,680
Average equity$2,449,5007,653
Average total loans$10,482,0007,628
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2359%5,482
Cost of funding earning assets1.4423%5,753
Net interest margin3.7936%3,737
Noninterest income to average assets0.6486%3,306
Noninterest expense to average assets3.7910%1,714
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets0.3654%4,271
Return on assets (ROA)0.3654%4,368
Pretax return on assets0.3654%4,593
Return on Equity (ROE)2.9505%4,520
Retained earnings to average equity (ytd only)2.9505%3,104
Net charge-offs to loans0.0158%6,999
Credit loss provision to net charge-offs0.0000%7,003
Earnings coverage of net charge-offs (x)40.0000%601
Efficiency ratio86.2637%2,080
Assets per employee ($millions)4.0394%3,734
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans3.0953%717
Loan loss allowance to noncurrent loans273.3871%1,122
Noncurrent assets plus other real estate owned to assets0.6140%5,913
Noncurrent loans to loans1.1322%5,068
Net loans and leases to total assets52.5474%6,358
Net loans and leases to deposits61.8437%6,485
Net loans and leases to core deposits75.5105%6,434
Total domestic deposits to total assets84.9681%3,560
Equity capital to assets13.4327%1,354
Core capital (leverage) ratio12.2986%1,527
Tier 1 risk-based capital ratio17.3710%2,061
Total risk-based capital ratio18.6306%2,019
Memoranda:
Average total assets$21,894,2007,725
Average earning assets$20,244,8007,708
Average equity$2,711,4007,674
Average total loans$12,633,6007,572
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3544%5,153
Cost of funding earning assets1.4738%5,939
Net interest margin3.8806%3,305
Noninterest income to average assets0.6452%3,378
Noninterest expense to average assets2.9929%4,071
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets1.2545%1,331
Return on assets (ROA)1.2545%1,395
Pretax return on assets1.2545%2,093
Return on Equity (ROE)10.3279%1,809
Retained earnings to average equity (ytd only)10.3279%576
Net charge-offs to loans0.0306%6,463
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)69.9975%481
Efficiency ratio65.8228%5,399
Assets per employee ($millions)4.3536%3,116
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.5729%994
Loan loss allowance to noncurrent loans239.0071%1,244
Noncurrent assets plus other real estate owned to assets0.6477%5,837
Noncurrent loans to loans1.0765%5,156
Net loans and leases to total assets58.6227%5,788
Net loans and leases to deposits68.6075%6,074
Net loans and leases to core deposits86.5153%5,818
Total domestic deposits to total assets85.4465%2,993
Equity capital to assets13.2534%1,596
Core capital (leverage) ratio12.3124%1,661
Tier 1 risk-based capital ratio15.9807%2,633
Total risk-based capital ratio17.2375%2,566
Memoranda:
Average total assets$22,318,5007,794
Average earning assets$20,717,7507,761
Average equity$2,711,0007,747
Average total loans$13,054,0007,617
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3591%5,363
Cost of funding earning assets1.5284%6,023
Net interest margin3.8307%3,412
Noninterest income to average assets0.6044%3,652
Noninterest expense to average assets2.6931%5,412
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets1.4754%884
Return on assets (ROA)1.4754%947
Pretax return on assets1.4754%1,514
Return on Equity (ROE)12.5141%1,281
Retained earnings to average equity (ytd only)12.5141%377
Net charge-offs to loans-0.0767%7,908
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.9147%6,567
Assets per employee ($millions)4.4150%2,904
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.8068%677
Loan loss allowance to noncurrent loans2,471.4286%166
Noncurrent assets plus other real estate owned to assets0.0634%7,435
Noncurrent loans to loans0.1136%7,238
Net loans and leases to total assets54.2741%6,413
Net loans and leases to deposits62.8759%6,661
Net loans and leases to core deposits80.1190%6,398
Total domestic deposits to total assets86.3194%2,611
Equity capital to assets12.3715%1,993
Core capital (leverage) ratio11.7015%1,978
Tier 1 risk-based capital ratio16.4504%2,462
Total risk-based capital ratio17.7100%2,407
Memoranda:
Average total assets$22,502,0007,866
Average earning assets$20,936,3307,831
Average equity$2,653,0007,837
Average total loans$13,039,3307,697
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3941%5,455
Cost of funding earning assets1.5954%6,048
Net interest margin3.7987%3,444
Noninterest income to average assets0.5635%3,807
Noninterest expense to average assets2.5357%5,709
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.5496%854
Return on assets (ROA)1.5496%930
Pretax return on assets1.5496%1,536
Return on Equity (ROE)13.4660%1,278
Retained earnings to average equity (ytd only)13.4660%571
Net charge-offs to loans-0.0896%7,847
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.3276%6,782
Assets per employee ($millions)4.5322%2,668
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.6277%667
Loan loss allowance to noncurrent loans476.3889%734
Noncurrent assets plus other real estate owned to assets0.3177%6,560
Noncurrent loans to loans0.5516%6,035
Net loans and leases to total assets56.0876%6,226
Net loans and leases to deposits64.4327%6,511
Net loans and leases to core deposits80.7907%6,327
Total domestic deposits to total assets87.0482%2,193
Equity capital to assets11.7206%2,431
Core capital (leverage) ratio11.2924%2,284
Tier 1 risk-based capital ratio15.6039%2,814
Total risk-based capital ratio16.8633%2,748
Memoranda:
Average total assets$22,715,5007,906
Average earning assets$21,060,0007,872
Average equity$2,614,0007,901
Average total loans$13,395,5007,729
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6200%2,386
Cost of funding earning assets1.9970%6,426
Net interest margin4.6230%1,119
Noninterest income to average assets0.6591%3,408
Noninterest expense to average assets4.0685%1,325
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.8001%3,435
Return on assets (ROA)0.8001%3,270
Pretax return on assets0.8001%4,070
Return on Equity (ROE)6.9009%3,583
Retained earnings to average equity (ytd only)6.9009%1,190
Net charge-offs to loans-0.1053%8,098
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.3651%2,694
Assets per employee ($millions)4.5540%2,529
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans2.4822%694
Loan loss allowance to noncurrent loans921.6216%517
Noncurrent assets plus other real estate owned to assets0.1625%6,919
Noncurrent loans to loans0.2693%6,566
Net loans and leases to total assets58.8362%6,083
Net loans and leases to deposits67.3081%6,525
Net loans and leases to core deposits84.0148%6,291
Total domestic deposits to total assets87.4133%1,747
Equity capital to assets11.2956%2,807
Core capital (leverage) ratio10.9648%2,616
Tier 1 risk-based capital ratio14.5325%3,276
Total risk-based capital ratio15.7892%3,198
Memoranda:
Average total assets$21,998,2007,945
Average earning assets$20,030,2007,939
Average equity$2,550,4007,966
Average total loans$13,297,8007,753