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Customers Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9189%1,304
Cost of funding earning assets2.7397%551
Net interest margin3.1792%3,051
Noninterest income to average assets0.4900%1,794
Noninterest expense to average assets1.8127%3,892
Loan and lease loss provision to assets0.5300%174
Net operating income to assets1.1829%1,776
Return on assets (ROA)0.2675%3,931
Pretax return on assets0.2601%3,981
Return on Equity (ROE)3.2700%3,819
Retained earnings to average equity (ytd only)-6.5762%4,156
Net charge-offs to loans0.4610%282
Credit loss provision to net charge-offs125.0890%1,125
Earnings coverage of net charge-offs (x)5.5532%1,899
Efficiency ratio51.5551%3,786
Assets per employee ($millions)27.9506%54
Cash dividends to net income (ytd only)*300.9430%75
Condition Ratios (%)
Loss allowance to loans0.9344%3,504
Loan loss allowance to noncurrent loans243.2513%1,894
Noncurrent assets plus other real estate owned to assets0.3232%2,004
Noncurrent loans to loans0.3841%2,160
Net loans and leases to total assets66.7200%2,221
Net loans and leases to deposits78.1696%2,212
Net loans and leases to core deposits127.6510%369
Total domestic deposits to total assets85.3600%2,526
Equity capital to assets8.1593%3,512
Core capital (leverage) ratio8.4304%4,125
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9182%1,892
Memoranda:
Average total assets$22,356,011,50095
Average earning assets$21,266,412,00089
Average equity$1,827,624,000112
Average total loans$14,875,762,00091
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4812%729
Cost of funding earning assets3.2495%306
Net interest margin3.2316%2,659
Noninterest income to average assets0.4200%2,351
Noninterest expense to average assets1.9264%3,739
Loan and lease loss provision to assets0.3500%339
Net operating income to assets0.9881%2,093
Return on assets (ROA)0.8859%2,447
Pretax return on assets1.0971%2,255
Return on Equity (ROE)10.6700%1,990
Retained earnings to average equity (ytd only)3.6570%2,758
Net charge-offs to loans0.4966%289
Credit loss provision to net charge-offs102.1424%1,865
Earnings coverage of net charge-offs (x)4.9480%2,619
Efficiency ratio55.0231%3,649
Assets per employee ($millions)28.1510%53
Cash dividends to net income (ytd only)*65.7151%960
Condition Ratios (%)
Loss allowance to loans0.9334%3,524
Loan loss allowance to noncurrent loans181.3920%2,295
Noncurrent assets plus other real estate owned to assets0.3382%1,902
Noncurrent loans to loans0.5146%1,785
Net loans and leases to total assets65.1100%2,455
Net loans and leases to deposits76.2830%2,432
Net loans and leases to core deposits126.0255%444
Total domestic deposits to total assets85.3500%2,416
Equity capital to assets8.1910%3,396
Core capital (leverage) ratio8.6516%3,983
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3349%1,744
Memoranda:
Average total assets$21,472,459,20092
Average earning assets$20,473,747,80088
Average equity$1,783,285,000112
Average total loans$13,759,653,00095
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5553%643
Cost of funding earning assets3.3197%288
Net interest margin3.2356%2,609
Noninterest income to average assets0.3900%2,483
Noninterest expense to average assets1.8997%3,757
Loan and lease loss provision to assets0.3400%301
Net operating income to assets1.0096%2,017
Return on assets (ROA)1.0074%2,028
Pretax return on assets1.2339%1,918
Return on Equity (ROE)12.0900%1,593
Retained earnings to average equity (ytd only)6.0688%2,058
Net charge-offs to loans0.5292%252
Credit loss provision to net charge-offs95.9923%1,720
Earnings coverage of net charge-offs (x)4.6939%2,422
Efficiency ratio54.5787%3,676
Assets per employee ($millions)26.4115%61
Cash dividends to net income (ytd only)*49.7878%1,383
Condition Ratios (%)
Loss allowance to loans0.9475%3,494
Loan loss allowance to noncurrent loans208.0106%2,180
Noncurrent assets plus other real estate owned to assets0.2981%2,020
Noncurrent loans to loans0.4555%1,944
Net loans and leases to total assets64.8300%2,437
Net loans and leases to deposits76.4419%2,490
Net loans and leases to core deposits133.6891%333
Total domestic deposits to total assets84.8100%2,359
Equity capital to assets8.5167%3,394
Core capital (leverage) ratio9.0818%3,681
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0602%1,516
Memoranda:
Average total assets$21,266,671,00094
Average earning assets$20,283,443,75090
Average equity$1,772,549,500115
Average total loans$13,536,177,25098
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5761%579
Cost of funding earning assets3.2966%268
Net interest margin3.2795%2,460
Noninterest income to average assets0.5100%1,806
Noninterest expense to average assets1.8874%3,784
Loan and lease loss provision to assets0.3500%272
Net operating income to assets1.0618%1,816
Return on assets (ROA)1.0557%1,840
Pretax return on assets1.3953%1,484
Return on Equity (ROE)12.7600%1,430
Retained earnings to average equity (ytd only)8.7683%1,151
Net charge-offs to loans0.5489%229
Credit loss provision to net charge-offs92.1617%1,567
Earnings coverage of net charge-offs (x)5.0688%2,233
Efficiency ratio51.8300%3,911
Assets per employee ($millions)26.0008%59
Cash dividends to net income (ytd only)*31.2807%2,166
Condition Ratios (%)
Loss allowance to loans0.9715%3,418
Loan loss allowance to noncurrent loans198.5756%2,313
Noncurrent assets plus other real estate owned to assets0.3182%1,891
Noncurrent loans to loans0.4892%1,783
Net loans and leases to total assets64.4200%2,517
Net loans and leases to deposits75.6867%2,571
Net loans and leases to core deposits134.0304%342
Total domestic deposits to total assets85.1100%2,286
Equity capital to assets8.5717%3,051
Core capital (leverage) ratio9.1603%3,584
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6444%1,358
Memoranda:
Average total assets$21,198,038,33393
Average earning assets$20,235,812,00088
Average equity$1,753,816,000111
Average total loans$13,363,864,33398
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5093%563
Cost of funding earning assets3.3234%225
Net interest margin3.1859%2,592
Noninterest income to average assets0.4100%2,241
Noninterest expense to average assets1.8485%3,876
Loan and lease loss provision to assets0.3300%272
Net operating income to assets0.9715%2,015
Return on assets (ROA)0.9703%2,026
Pretax return on assets1.2758%1,694
Return on Equity (ROE)11.9400%1,582
Retained earnings to average equity (ytd only)9.6311%1,181
Net charge-offs to loans0.5432%178
Credit loss provision to net charge-offs88.7850%1,243
Earnings coverage of net charge-offs (x)4.7625%1,889
Efficiency ratio53.5174%3,798
Assets per employee ($millions)29.1846%54
Cash dividends to net income (ytd only)*19.3364%2,015
Condition Ratios (%)
Loss allowance to loans1.0055%3,270
Loan loss allowance to noncurrent loans202.5375%2,385
Noncurrent assets plus other real estate owned to assets0.3087%1,874
Noncurrent loans to loans0.4964%1,683
Net loans and leases to total assets61.5100%2,714
Net loans and leases to deposits72.5107%2,713
Net loans and leases to core deposits118.4344%674
Total domestic deposits to total assets84.8400%2,461
Equity capital to assets8.2370%3,214
Core capital (leverage) ratio8.8241%3,851
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8215%1,323
Memoranda:
Average total assets$21,318,737,00090
Average earning assets$20,373,954,50088
Average equity$1,732,557,500111
Average total loans$13,229,477,00096
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6514%302
Cost of funding earning assets3.2690%104
Net interest margin3.3824%2,441
Noninterest income to average assets0.3300%2,919
Noninterest expense to average assets1.6320%4,215
Loan and lease loss provision to assets0.3500%287
Net operating income to assets1.1945%1,661
Return on assets (ROA)1.1926%1,644
Pretax return on assets1.5757%1,281
Return on Equity (ROE)16.1500%1,072
Retained earnings to average equity (ytd only)10.4963%909
Net charge-offs to loans0.5245%193
Credit loss provision to net charge-offs94.2176%1,911
Earnings coverage of net charge-offs (x)5.5166%2,525
Efficiency ratio45.9003%4,197
Assets per employee ($millions)29.8368%51
Cash dividends to net income (ytd only)*34.9943%2,344
Condition Ratios (%)
Loss allowance to loans1.0249%3,188
Loan loss allowance to noncurrent loans178.0712%2,646
Noncurrent assets plus other real estate owned to assets0.3569%1,535
Noncurrent loans to loans0.5756%1,363
Net loans and leases to total assets61.3400%2,726
Net loans and leases to deposits72.3944%2,734
Net loans and leases to core deposits117.7091%695
Total domestic deposits to total assets84.7300%2,401
Equity capital to assets8.0167%3,404
Core capital (leverage) ratio8.7080%3,969
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2828%1,447
Memoranda:
Average total assets$21,565,123,40089
Average earning assets$20,539,903,00086
Average equity$1,592,794,000113
Average total loans$14,336,835,00087
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6102%276
Cost of funding earning assets3.2394%89
Net interest margin3.3708%2,520
Noninterest income to average assets0.3300%2,912
Noninterest expense to average assets1.5924%4,246
Loan and lease loss provision to assets0.3800%220
Net operating income to assets1.1940%1,813
Return on assets (ROA)1.1910%1,808
Pretax return on assets1.5622%1,432
Return on Equity (ROE)16.4700%1,172
Retained earnings to average equity (ytd only)11.3564%1,097
Net charge-offs to loans0.5278%164
Credit loss provision to net charge-offs99.2293%1,633
Earnings coverage of net charge-offs (x)5.4460%2,349
Efficiency ratio45.0449%4,188
Assets per employee ($millions)30.0956%48
Cash dividends to net income (ytd only)*31.0532%2,033
Condition Ratios (%)
Loss allowance to loans1.0152%3,290
Loan loss allowance to noncurrent loans102.1852%3,190
Noncurrent assets plus other real estate owned to assets0.6237%934
Noncurrent loans to loans0.9934%818
Net loans and leases to total assets62.1300%2,643
Net loans and leases to deposits74.0515%2,557
Net loans and leases to core deposits124.2678%451
Total domestic deposits to total assets83.9000%2,804
Equity capital to assets7.5875%3,302
Core capital (leverage) ratio8.2464%4,282
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4550%1,727
Memoranda:
Average total assets$21,630,528,75090
Average earning assets$20,585,619,75085
Average equity$1,564,034,500116
Average total loans$14,620,523,00088
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2893%314
Cost of funding earning assets3.1785%66
Net interest margin3.1108%3,201
Noninterest income to average assets0.3200%2,963
Noninterest expense to average assets1.5689%4,281
Loan and lease loss provision to assets0.4000%206
Net operating income to assets0.9695%2,517
Return on assets (ROA)0.9695%2,513
Pretax return on assets1.3058%2,069
Return on Equity (ROE)13.6400%1,762
Retained earnings to average equity (ytd only)7.1110%2,247
Net charge-offs to loans0.5411%152
Credit loss provision to net charge-offs99.9926%1,462
Earnings coverage of net charge-offs (x)4.5562%2,212
Efficiency ratio47.8977%4,071
Assets per employee ($millions)31.8743%43
Cash dividends to net income (ytd only)*47.8478%1,378
Condition Ratios (%)
Loss allowance to loans1.0039%3,399
Loan loss allowance to noncurrent loans86.3962%3,367
Noncurrent assets plus other real estate owned to assets0.7342%697
Noncurrent loans to loans1.1620%606
Net loans and leases to total assets62.5300%2,522
Net loans and leases to deposits76.2228%2,290
Net loans and leases to core deposits124.0278%427
Total domestic deposits to total assets82.0300%3,226
Equity capital to assets7.0726%3,758
Core capital (leverage) ratio8.0003%4,404
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3800%2,143
Memoranda:
Average total assets$21,557,566,66788
Average earning assets$20,494,449,00084
Average equity$1,532,773,000116
Average total loans$14,922,870,00083
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2076%249
Cost of funding earning assets3.2146%19
Net interest margin2.9930%3,619
Noninterest income to average assets0.3400%2,789
Noninterest expense to average assets1.4946%4,391
Loan and lease loss provision to assets0.3700%219
Net operating income to assets1.0406%2,411
Return on assets (ROA)1.0416%2,374
Pretax return on assets1.3239%2,102
Return on Equity (ROE)14.6100%1,642
Retained earnings to average equity (ytd only)6.7158%2,580
Net charge-offs to loans0.4835%171
Credit loss provision to net charge-offs96.5523%1,152
Earnings coverage of net charge-offs (x)4.8470%1,839
Efficiency ratio46.8487%4,172
Assets per employee ($millions)33.1331%40
Cash dividends to net income (ytd only)*54.0297%1,091
Condition Ratios (%)
Loss allowance to loans0.8649%3,949
Loan loss allowance to noncurrent loans120.1400%3,200
Noncurrent assets plus other real estate owned to assets0.4985%1,039
Noncurrent loans to loans0.7199%1,051
Net loans and leases to total assets68.6000%1,777
Net loans and leases to deposits83.8450%1,510
Net loans and leases to core deposits127.6152%309
Total domestic deposits to total assets81.8200%3,507
Equity capital to assets7.0637%3,800
Core capital (leverage) ratio8.0917%4,389
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6361%2,520
Memoranda:
Average total assets$21,323,765,50092
Average earning assets$20,274,091,50090
Average equity$1,520,288,000119
Average total loans$15,428,852,00085
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6257%586
Cost of funding earning assets1.3132%47
Net interest margin3.3125%2,533
Noninterest income to average assets0.2900%3,396
Noninterest expense to average assets1.5097%4,417
Loan and lease loss provision to assets0.3000%278
Net operating income to assets1.2819%1,497
Return on assets (ROA)1.1878%1,754
Pretax return on assets1.5176%1,399
Return on Equity (ROE)16.1300%1,032
Retained earnings to average equity (ytd only)12.6034%572
Net charge-offs to loans0.4399%173
Credit loss provision to net charge-offs89.6334%1,635
Earnings coverage of net charge-offs (x)5.8605%2,357
Efficiency ratio43.7358%4,438
Assets per employee ($millions)31.3029%42
Cash dividends to net income (ytd only)*21.8471%2,819
Condition Ratios (%)
Loss allowance to loans0.8289%3,964
Loan loss allowance to noncurrent loans192.8899%2,709
Noncurrent assets plus other real estate owned to assets0.3253%1,552
Noncurrent loans to loans0.4297%1,637
Net loans and leases to total assets75.0200%1,129
Net loans and leases to deposits85.7277%1,333
Net loans and leases to core deposits118.3887%396
Total domestic deposits to total assets87.5100%2,232
Equity capital to assets7.1982%3,554
Core capital (leverage) ratio8.1497%4,339
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4000%2,611
Memoranda:
Average total assets$20,038,763,00099
Average earning assets$19,113,010,40094
Average equity$1,475,938,400127
Average total loans$15,087,623,20084
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3314%681
Cost of funding earning assets0.8356%136
Net interest margin3.4958%1,675
Noninterest income to average assets0.2300%3,794
Noninterest expense to average assets1.5092%4,414
Loan and lease loss provision to assets0.2200%387
Net operating income to assets1.4322%1,002
Return on assets (ROA)1.3952%1,076
Pretax return on assets1.7884%750
Return on Equity (ROE)18.8300%539
Retained earnings to average equity (ytd only)14.2926%431
Net charge-offs to loans0.3506%179
Credit loss provision to net charge-offs80.5964%1,420
Earnings coverage of net charge-offs (x)7.7936%2,065
Efficiency ratio42.3298%4,515
Assets per employee ($millions)30.2971%47
Cash dividends to net income (ytd only)*24.0972%2,298
Condition Ratios (%)
Loss allowance to loans0.8489%3,986
Loan loss allowance to noncurrent loans160.2287%2,948
Noncurrent assets plus other real estate owned to assets0.3993%1,354
Noncurrent loans to loans0.5298%1,477
Net loans and leases to total assets74.6900%1,042
Net loans and leases to deposits86.1520%1,162
Net loans and leases to core deposits110.0388%467
Total domestic deposits to total assets86.6900%2,856
Equity capital to assets7.2617%3,368
Core capital (leverage) ratio8.0986%4,340
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6456%2,604
Memoranda:
Average total assets$19,828,687,500102
Average earning assets$18,923,992,25096
Average equity$1,469,193,750128
Average total loans$14,910,861,50085
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0398%874
Cost of funding earning assets0.4670%637
Net interest margin3.5728%1,122
Noninterest income to average assets0.4060%2,720
Noninterest expense to average assets1.5145%4,405
Loan and lease loss provision to assets0.4106%140
Net operating income to assets1.4766%750
Return on assets (ROA)1.4398%796
Pretax return on assets1.8472%534
Return on Equity (ROE)19.2997%363
Retained earnings to average equity (ytd only)15.8893%200
Net charge-offs to loans0.2804%245
Credit loss provision to net charge-offs190.4376%993
Earnings coverage of net charge-offs (x)10.9348%1,742
Efficiency ratio39.6311%4,621
Assets per employee ($millions)29.2525%45
Cash dividends to net income (ytd only)*17.6707%2,559
Condition Ratios (%)
Loss allowance to loans0.9993%3,597
Loan loss allowance to noncurrent loans271.9659%2,277
Noncurrent assets plus other real estate owned to assets0.2845%1,882
Noncurrent loans to loans0.3674%2,047
Net loans and leases to total assets76.6093%674
Net loans and leases to deposits91.0356%663
Net loans and leases to core deposits108.6167%376
Total domestic deposits to total assets84.1531%3,661
Equity capital to assets7.2415%3,637
Core capital (leverage) ratio8.0872%4,268
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9058%2,528
Memoranda:
Average total assets$19,651,697,000104
Average earning assets$18,771,723,333100
Average equity$1,466,105,667130
Average total loans$14,768,919,33383
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9611%833
Cost of funding earning assets0.3371%1,310
Net interest margin3.6240%863
Noninterest income to average assets0.4798%2,235
Noninterest expense to average assets1.5170%4,403
Loan and lease loss provision to assets0.3283%181
Net operating income to assets1.6742%430
Return on assets (ROA)1.6520%456
Pretax return on assets2.0712%314
Return on Equity (ROE)21.8090%162
Retained earnings to average equity (ytd only)16.3528%215
Net charge-offs to loans0.2018%305
Credit loss provision to net charge-offs211.3064%759
Earnings coverage of net charge-offs (x)16.2542%1,339
Efficiency ratio38.4305%4,674
Assets per employee ($millions)29.8854%49
Cash dividends to net income (ytd only)*25.0181%1,880
Condition Ratios (%)
Loss allowance to loans1.0363%3,576
Loan loss allowance to noncurrent loans293.5492%2,133
Noncurrent assets plus other real estate owned to assets0.2595%2,108
Noncurrent loans to loans0.3530%2,217
Net loans and leases to total assets72.7045%771
Net loans and leases to deposits83.8739%887
Net loans and leases to core deposits89.6742%939
Total domestic deposits to total assets86.6831%3,043
Equity capital to assets7.6669%3,818
Core capital (leverage) ratio8.2106%4,144
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0324%2,597
Memoranda:
Average total assets$19,356,172,000105
Average earning assets$18,503,743,500103
Average equity$1,466,218,500134
Average total loans$14,321,202,00086
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2801%873
Cost of funding earning assets0.4655%1,094
Net interest margin3.8146%975
Noninterest income to average assets0.2527%3,857
Noninterest expense to average assets1.6374%4,379
Loan and lease loss provision to assets0.1421%844
Net operating income to assets1.5508%911
Return on assets (ROA)1.6803%691
Pretax return on assets2.2712%360
Return on Equity (ROE)23.8369%147
Retained earnings to average equity (ytd only)11.0228%696
Net charge-offs to loans0.2138%434
Credit loss provision to net charge-offs81.1468%1,946
Earnings coverage of net charge-offs (x)12.7453%2,102
Efficiency ratio42.0965%4,641
Assets per employee ($millions)30.5083%53
Cash dividends to net income (ytd only)*53.7575%1,334
Condition Ratios (%)
Loss allowance to loans0.9459%3,949
Loan loss allowance to noncurrent loans270.1668%2,205
Noncurrent assets plus other real estate owned to assets0.2610%2,247
Noncurrent loans to loans0.3501%2,328
Net loans and leases to total assets73.7944%680
Net loans and leases to deposits85.1203%847
Net loans and leases to core deposits99.6601%551
Total domestic deposits to total assets86.6943%2,627
Equity capital to assets7.4849%4,596
Core capital (leverage) ratio7.9249%4,410
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1102%2,592
Memoranda:
Average total assets$19,150,539,800104
Average earning assets$18,244,485,400100
Average equity$1,349,933,200143
Average total loans$15,810,400,20082
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1692%1,149
Cost of funding earning assets0.4984%1,052
Net interest margin3.6708%1,404
Noninterest income to average assets0.2139%4,120
Noninterest expense to average assets1.6281%4,429
Loan and lease loss provision to assets0.0907%1,321
Net operating income to assets1.3421%1,713
Return on assets (ROA)1.5159%1,287
Pretax return on assets2.2084%535
Return on Equity (ROE)21.8519%313
Retained earnings to average equity (ytd only)9.9483%1,331
Net charge-offs to loans0.2168%380
Credit loss provision to net charge-offs51.6326%1,850
Earnings coverage of net charge-offs (x)11.3308%2,003
Efficiency ratio43.8839%4,591
Assets per employee ($millions)30.3470%48
Cash dividends to net income (ytd only)*54.4743%1,028
Condition Ratios (%)
Loss allowance to loans0.8475%4,282
Loan loss allowance to noncurrent loans243.6239%2,271
Noncurrent assets plus other real estate owned to assets0.2825%2,360
Noncurrent loans to loans0.3479%2,532
Net loans and leases to total assets80.4664%266
Net loans and leases to deposits89.9362%610
Net loans and leases to core deposits107.7398%370
Total domestic deposits to total assets89.4706%1,025
Equity capital to assets7.4128%4,728
Core capital (leverage) ratio8.6603%3,886
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1606%2,305
Memoranda:
Average total assets$19,049,227,000104
Average earning assets$18,127,744,000101
Average equity$1,321,485,250145
Average total loans$16,120,779,00080
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5825%2,678
Cost of funding earning assets0.5271%1,049
Net interest margin3.0554%3,165
Noninterest income to average assets0.1117%4,645
Noninterest expense to average assets1.6191%4,483
Loan and lease loss provision to assets-0.0092%4,405
Net operating income to assets0.8208%3,446
Return on assets (ROA)1.0323%2,854
Pretax return on assets1.6845%1,520
Return on Equity (ROE)15.1768%1,113
Retained earnings to average equity (ytd only)5.4089%3,034
Net charge-offs to loans0.2342%375
Credit loss provision to net charge-offs1.9464%1,796
Earnings coverage of net charge-offs (x)6.9816%1,934
Efficiency ratio53.4535%3,874
Assets per employee ($millions)32.4543%49
Cash dividends to net income (ytd only)*64.3606%814
Condition Ratios (%)
Loss allowance to loans0.7393%4,469
Loan loss allowance to noncurrent loans259.2188%2,104
Noncurrent assets plus other real estate owned to assets0.2466%2,702
Noncurrent loans to loans0.2852%2,911
Net loans and leases to total assets85.7741%89
Net loans and leases to deposits120.6309%54
Net loans and leases to core deposits148.2774%71
Total domestic deposits to total assets71.1046%4,731
Equity capital to assets6.8968%4,865
Core capital (leverage) ratio9.0702%3,375
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7719%2,447
Memoranda:
Average total assets$18,958,865,000105
Average earning assets$18,087,675,66798
Average equity$1,289,570,000145
Average total loans$16,322,526,33380
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6308%2,541
Cost of funding earning assets0.5851%940
Net interest margin3.0457%3,145
Noninterest income to average assets-0.1251%4,960
Noninterest expense to average assets1.7838%4,242
Loan and lease loss provision to assets-0.0903%4,709
Net operating income to assets0.3208%4,489
Return on assets (ROA)0.7208%3,727
Pretax return on assets1.5908%1,752
Return on Equity (ROE)10.6749%2,468
Retained earnings to average equity (ytd only)0.1817%4,347
Net charge-offs to loans0.3130%270
Credit loss provision to net charge-offs-23.3030%2,713
Earnings coverage of net charge-offs (x)3.6963%1,753
Efficiency ratio64.1658%2,443
Assets per employee ($millions)32.0393%48
Cash dividends to net income (ytd only)*98.2982%431
Condition Ratios (%)
Loss allowance to loans0.7962%4,417
Loan loss allowance to noncurrent loans254.2130%1,974
Noncurrent assets plus other real estate owned to assets0.2696%2,805
Noncurrent loans to loans0.3132%2,981
Net loans and leases to total assets85.2848%107
Net loans and leases to deposits127.9582%43
Net loans and leases to core deposits158.1548%64
Total domestic deposits to total assets66.6506%4,827
Equity capital to assets6.9957%4,847
Core capital (leverage) ratio9.3520%3,191
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1055%2,627
Memoranda:
Average total assets$18,620,884,500107
Average earning assets$17,749,830,000101
Average equity$1,257,267,000146
Average total loans$16,000,278,50082
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6642%3,667
Cost of funding earning assets0.8763%922
Net interest margin2.7879%4,280
Noninterest income to average assets0.5126%2,578
Noninterest expense to average assets1.6891%4,632
Loan and lease loss provision to assets0.3993%788
Net operating income to assets0.7873%3,146
Return on assets (ROA)0.8882%2,886
Pretax return on assets1.1813%2,398
Return on Equity (ROE)12.2303%1,255
Retained earnings to average equity (ytd only)6.5370%1,576
Net charge-offs to loans0.4024%428
Credit loss provision to net charge-offs114.5386%2,686
Earnings coverage of net charge-offs (x)4.1676%3,017
Efficiency ratio53.5779%4,254
Assets per employee ($millions)22.0775%76
Cash dividends to net income (ytd only)*46.5509%2,026
Condition Ratios (%)
Loss allowance to loans0.9106%4,158
Loan loss allowance to noncurrent loans198.9787%2,349
Noncurrent assets plus other real estate owned to assets0.3934%2,411
Noncurrent loans to loans0.4577%2,598
Net loans and leases to total assets85.1008%131
Net loans and leases to deposits137.3369%31
Net loans and leases to core deposits168.1380%62
Total domestic deposits to total assets61.9650%4,897
Equity capital to assets6.5033%4,957
Core capital (leverage) ratio9.2084%3,426
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0600%2,906
Memoranda:
Average total assets$15,721,265,600112
Average earning assets$14,827,478,600107
Average equity$1,141,690,600153
Average total loans$13,620,046,80090
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6750%3,848
Cost of funding earning assets0.9626%870
Net interest margin2.7124%4,450
Noninterest income to average assets0.5148%2,545
Noninterest expense to average assets1.7246%4,596
Loan and lease loss provision to assets0.5822%444
Net operating income to assets0.5950%3,783
Return on assets (ROA)0.7353%3,439
Pretax return on assets0.9382%3,269
Return on Equity (ROE)9.8115%2,087
Retained earnings to average equity (ytd only)4.4896%2,805
Net charge-offs to loans0.4728%313
Credit loss provision to net charge-offs141.7706%2,373
Earnings coverage of net charge-offs (x)3.2699%2,923
Efficiency ratio56.0038%3,921
Assets per employee ($millions)21.2907%75
Cash dividends to net income (ytd only)*54.2410%1,311
Condition Ratios (%)
Loss allowance to loans0.9368%3,946
Loan loss allowance to noncurrent loans238.3857%1,927
Noncurrent assets plus other real estate owned to assets0.3486%2,748
Noncurrent loans to loans0.3930%2,885
Net loans and leases to total assets87.6986%85
Net loans and leases to deposits150.5685%26
Net loans and leases to core deposits176.3022%57
Total domestic deposits to total assets58.2450%4,940
Equity capital to assets6.1257%5,001
Core capital (leverage) ratio9.2877%3,463
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6158%3,004
Memoranda:
Average total assets$15,042,905,750115
Average earning assets$14,156,905,500109
Average equity$1,127,399,000153
Average total loans$13,066,995,75095
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8825%3,666
Cost of funding earning assets1.1222%667
Net interest margin2.7604%4,497
Noninterest income to average assets0.5232%2,472
Noninterest expense to average assets1.8783%4,444
Loan and lease loss provision to assets0.7640%329
Net operating income to assets0.3398%4,350
Return on assets (ROA)0.4351%4,219
Pretax return on assets0.5825%4,095
Return on Equity (ROE)5.3617%3,731
Retained earnings to average equity (ytd only)-1.7799%4,565
Net charge-offs to loans0.4885%329
Credit loss provision to net charge-offs181.6153%1,989
Earnings coverage of net charge-offs (x)2.9140%2,726
Efficiency ratio60.2211%3,386
Assets per employee ($millions)19.9471%81
Cash dividends to net income (ytd only)*133.1957%265
Condition Ratios (%)
Loss allowance to loans1.0458%3,341
Loan loss allowance to noncurrent loans181.7020%2,294
Noncurrent assets plus other real estate owned to assets0.4926%2,362
Noncurrent loans to loans0.5756%2,433
Net loans and leases to total assets84.5621%219
Net loans and leases to deposits136.8128%41
Net loans and leases to core deposits187.1933%47
Total domestic deposits to total assets61.8086%4,944
Equity capital to assets6.1748%5,031
Core capital (leverage) ratio9.5927%3,253
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3055%2,887
Memoranda:
Average total assets$13,804,840,667120
Average earning assets$12,906,982,000116
Average equity$1,120,196,333154
Average total loans$11,887,568,000101
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5811%2,055
Cost of funding earning assets1.5205%244
Net interest margin3.0607%4,178
Noninterest income to average assets0.6592%1,807
Noninterest expense to average assets2.2540%3,878
Loan and lease loss provision to assets1.0811%192
Net operating income to assets0.1175%4,640
Return on assets (ROA)0.2243%4,507
Pretax return on assets0.3075%4,442
Return on Equity (ROE)2.3389%4,378
Retained earnings to average equity (ytd only)-4.7541%4,501
Net charge-offs to loans0.7347%208
Credit loss provision to net charge-offs169.8824%1,514
Earnings coverage of net charge-offs (x)1.9697%2,325
Efficiency ratio63.9470%3,241
Assets per employee ($millions)13.9492%159
Cash dividends to net income (ytd only)*303.2600%143
Condition Ratios (%)
Loss allowance to loans1.4463%1,534
Loan loss allowance to noncurrent loans278.5235%1,622
Noncurrent assets plus other real estate owned to assets0.4474%2,681
Noncurrent loans to loans0.5193%2,707
Net loans and leases to total assets84.6954%223
Net loans and leases to deposits119.8004%82
Net loans and leases to core deposits147.2742%125
Total domestic deposits to total assets70.6971%4,831
Equity capital to assets8.9722%4,619
Core capital (leverage) ratio9.9923%3,465
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2073%3,039
Memoranda:
Average total assets$11,760,998,000132
Average earning assets$10,944,371,000128
Average equity$1,127,877,500154
Average total loans$10,186,251,500110
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5564%2,761
Cost of funding earning assets1.7784%149
Net interest margin2.7780%4,771
Noninterest income to average assets0.7272%1,715
Noninterest expense to average assets2.1239%4,319
Loan and lease loss provision to assets0.2228%870
Net operating income to assets0.7599%3,672
Return on assets (ROA)0.7672%3,734
Pretax return on assets0.9896%3,485
Return on Equity (ROE)7.5932%3,326
Retained earnings to average equity (ytd only)1.2226%4,305
Net charge-offs to loans0.0826%1,936
Credit loss provision to net charge-offs309.8082%895
Earnings coverage of net charge-offs (x)16.7320%2,147
Efficiency ratio63.4768%3,151
Assets per employee ($millions)13.2777%174
Cash dividends to net income (ytd only)*83.8987%687
Condition Ratios (%)
Loss allowance to loans0.5609%4,804
Loan loss allowance to noncurrent loans231.1183%1,882
Noncurrent assets plus other real estate owned to assets0.2134%3,609
Noncurrent loans to loans0.2427%3,579
Net loans and leases to total assets86.8218%127
Net loans and leases to deposits114.7049%124
Net loans and leases to core deposits142.0698%165
Total domestic deposits to total assets75.6915%4,633
Equity capital to assets10.2345%3,693
Core capital (leverage) ratio10.3790%3,096
Tier 1 risk-based capital ratio11.3234%4,720
Total risk-based capital ratio12.9325%4,419
Memoranda:
Average total assets$10,875,166,600132
Average earning assets$10,177,738,400130
Average equity$1,098,797,000153
Average total loans$9,468,176,800114
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5161%3,008
Cost of funding earning assets1.8109%134
Net interest margin2.7053%4,936
Noninterest income to average assets0.6692%1,919
Noninterest expense to average assets2.1475%4,281
Loan and lease loss provision to assets0.1809%1,010
Net operating income to assets0.6721%4,102
Return on assets (ROA)0.6819%4,131
Pretax return on assets0.8854%3,924
Return on Equity (ROE)6.7728%3,780
Retained earnings to average equity (ytd only)0.5941%4,647
Net charge-offs to loans0.0495%2,129
Credit loss provision to net charge-offs420.4453%726
Earnings coverage of net charge-offs (x)24.4948%1,795
Efficiency ratio66.7005%2,634
Assets per employee ($millions)13.7448%151
Cash dividends to net income (ytd only)*91.2276%423
Condition Ratios (%)
Loss allowance to loans0.4967%4,976
Loan loss allowance to noncurrent loans247.8301%1,761
Noncurrent assets plus other real estate owned to assets0.1774%3,863
Noncurrent loans to loans0.2004%3,824
Net loans and leases to total assets87.2256%128
Net loans and leases to deposits114.1417%138
Net loans and leases to core deposits156.6144%99
Total domestic deposits to total assets76.4187%4,594
Equity capital to assets9.4699%4,482
Core capital (leverage) ratio9.8294%3,810
Tier 1 risk-based capital ratio10.8466%4,970
Total risk-based capital ratio12.4210%4,722
Memoranda:
Average total assets$10,716,026,000134
Average earning assets$10,030,279,250131
Average equity$1,078,954,750155
Average total loans$9,322,452,750116
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3895%3,364
Cost of funding earning assets1.7787%138
Net interest margin2.6108%5,067
Noninterest income to average assets0.6200%2,066
Noninterest expense to average assets2.1837%4,256
Loan and lease loss provision to assets0.1949%891
Net operating income to assets0.5281%4,465
Return on assets (ROA)0.5281%4,494
Pretax return on assets0.6827%4,369
Return on Equity (ROE)5.1305%4,315
Retained earnings to average equity (ytd only)-0.4848%4,763
Net charge-offs to loans0.0377%2,131
Credit loss provision to net charge-offs595.9340%535
Earnings coverage of net charge-offs (x)26.8397%1,564
Efficiency ratio70.9219%2,079
Assets per employee ($millions)12.9360%163
Cash dividends to net income (ytd only)*109.4491%318
Condition Ratios (%)
Loss allowance to loans0.4978%5,021
Loan loss allowance to noncurrent loans270.3542%1,724
Noncurrent assets plus other real estate owned to assets0.1698%3,917
Noncurrent loans to loans0.1841%3,896
Net loans and leases to total assets86.5457%175
Net loans and leases to deposits117.9239%105
Net loans and leases to core deposits167.0337%79
Total domestic deposits to total assets73.3912%4,873
Equity capital to assets9.6108%4,307
Core capital (leverage) ratio10.3182%3,267
Tier 1 risk-based capital ratio11.1896%4,839
Total risk-based capital ratio12.8410%4,533
Memoranda:
Average total assets$10,379,943,670136
Average earning assets$9,706,089,000134
Average equity$1,068,514,670157
Average total loans$9,004,063,000118
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3317%3,459
Cost of funding earning assets1.7315%142
Net interest margin2.6002%5,138
Noninterest income to average assets0.7905%1,315
Noninterest expense to average assets2.1541%4,366
Loan and lease loss provision to assets0.1910%848
Net operating income to assets0.6682%4,029
Return on assets (ROA)0.6682%4,067
Pretax return on assets0.8767%3,837
Return on Equity (ROE)6.2585%3,938
Retained earnings to average equity (ytd only)0.8160%4,362
Net charge-offs to loans0.0490%1,580
Credit loss provision to net charge-offs449.7170%651
Earnings coverage of net charge-offs (x)25.1368%1,436
Efficiency ratio66.4536%2,875
Assets per employee ($millions)12.0365%208
Cash dividends to net income (ytd only)*86.9617%801
Condition Ratios (%)
Loss allowance to loans0.4994%5,082
Loan loss allowance to noncurrent loans168.6122%2,459
Noncurrent assets plus other real estate owned to assets0.2652%3,559
Noncurrent loans to loans0.2962%3,507
Net loans and leases to total assets85.8645%201
Net loans and leases to deposits116.7950%120
Net loans and leases to core deposits147.5347%135
Total domestic deposits to total assets73.5173%4,967
Equity capital to assets10.5745%3,281
Core capital (leverage) ratio10.9691%2,600
Tier 1 risk-based capital ratio12.5735%4,120
Total risk-based capital ratio14.3710%3,726
Memoranda:
Average total assets$9,981,566,000142
Average earning assets$9,333,644,500138
Average equity$1,065,684,500158
Average total loans$8,645,423,000122
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2538%3,263
Cost of funding earning assets1.5459%72
Net interest margin2.7078%5,091
Noninterest income to average assets0.7618%1,597
Noninterest expense to average assets2.0986%4,567
Loan and lease loss provision to assets0.0541%3,091
Net operating income to assets0.9156%3,383
Return on assets (ROA)0.7742%3,901
Pretax return on assets0.9823%3,668
Return on Equity (ROE)7.7390%3,553
Retained earnings to average equity (ytd only)3.4047%3,718
Net charge-offs to loans0.0419%2,575
Credit loss provision to net charge-offs153.1072%1,797
Earnings coverage of net charge-offs (x)34.3832%1,466
Efficiency ratio62.9495%3,353
Assets per employee ($millions)11.8844%207
Cash dividends to net income (ytd only)*56.0057%1,677
Condition Ratios (%)
Loss allowance to loans0.4678%5,156
Loan loss allowance to noncurrent loans129.1336%2,989
Noncurrent assets plus other real estate owned to assets0.3232%3,261
Noncurrent loans to loans0.3622%3,240
Net loans and leases to total assets86.5355%206
Net loans and leases to deposits118.7380%107
Net loans and leases to core deposits154.8256%113
Total domestic deposits to total assets72.8794%5,014
Equity capital to assets10.7818%2,899
Core capital (leverage) ratio10.6995%2,834
Tier 1 risk-based capital ratio12.8222%3,956
Total risk-based capital ratio14.6190%3,516
Memoranda:
Average total assets$10,424,664,800131
Average earning assets$9,825,402,200125
Average equity$1,042,843,200156
Average total loans$8,788,598,200116
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2042%3,306
Cost of funding earning assets1.4896%70
Net interest margin2.7146%5,157
Noninterest income to average assets0.7521%1,666
Noninterest expense to average assets2.0446%4,659
Loan and lease loss provision to assets0.0537%2,898
Net operating income to assets0.9620%3,259
Return on assets (ROA)0.7761%4,000
Pretax return on assets0.9803%3,775
Return on Equity (ROE)7.9014%3,586
Retained earnings to average equity (ytd only)3.5497%3,991
Net charge-offs to loans0.0231%2,676
Credit loss provision to net charge-offs278.0536%1,080
Earnings coverage of net charge-offs (x)65.7486%994
Efficiency ratio61.3283%3,614
Assets per employee ($millions)12.9459%159
Cash dividends to net income (ytd only)*55.0754%1,402
Condition Ratios (%)
Loss allowance to loans0.4652%5,229
Loan loss allowance to noncurrent loans148.9289%2,768
Noncurrent assets plus other real estate owned to assets0.2714%3,598
Noncurrent loans to loans0.3124%3,552
Net loans and leases to total assets82.1142%695
Net loans and leases to deposits101.7983%664
Net loans and leases to core deposits139.8136%211
Total domestic deposits to total assets80.6636%3,962
Equity capital to assets9.9030%3,732
Core capital (leverage) ratio9.8141%3,836
Tier 1 risk-based capital ratio12.3927%4,257
Total risk-based capital ratio14.1544%3,863
Memoranda:
Average total assets$10,573,738,500128
Average earning assets$9,978,562,500125
Average equity$1,038,636,250155
Average total loans$8,849,497,750113
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1089%3,419
Cost of funding earning assets1.3496%91
Net interest margin2.7592%5,167
Noninterest income to average assets0.7109%1,829
Noninterest expense to average assets1.9974%4,805
Loan and lease loss provision to assets0.0252%3,412
Net operating income to assets0.9949%3,044
Return on assets (ROA)0.9949%3,041
Pretax return on assets1.2906%2,554
Return on Equity (ROE)10.1560%2,495
Retained earnings to average equity (ytd only)5.7864%2,676
Net charge-offs to loans0.0239%2,391
Credit loss provision to net charge-offs125.7547%1,753
Earnings coverage of net charge-offs (x)65.5406%947
Efficiency ratio59.9175%3,950
Assets per employee ($millions)13.4904%135
Cash dividends to net income (ytd only)*43.0247%1,977
Condition Ratios (%)
Loss allowance to loans0.4201%5,342
Loan loss allowance to noncurrent loans126.1549%3,050
Noncurrent assets plus other real estate owned to assets0.2891%3,610
Noncurrent loans to loans0.3330%3,502
Net loans and leases to total assets81.8393%723
Net loans and leases to deposits122.7517%85
Net loans and leases to core deposits164.4678%68
Total domestic deposits to total assets66.6706%5,369
Equity capital to assets9.3589%4,229
Core capital (leverage) ratio9.8224%3,763
Tier 1 risk-based capital ratio12.4623%4,208
Total risk-based capital ratio14.2048%3,837
Memoranda:
Average total assets$10,559,783,330126
Average earning assets$9,959,069,330124
Average equity$1,034,427,000154
Average total loans$8,880,110,330111
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9954%3,624
Cost of funding earning assets1.2119%133
Net interest margin2.7835%5,173
Noninterest income to average assets0.8206%1,390
Noninterest expense to average assets2.0209%4,806
Loan and lease loss provision to assets0.0823%2,150
Net operating income to assets1.0265%2,744
Return on assets (ROA)1.0265%2,763
Pretax return on assets1.3421%2,215
Return on Equity (ROE)10.2330%2,320
Retained earnings to average equity (ytd only)5.8563%2,777
Net charge-offs to loans0.0289%1,921
Credit loss provision to net charge-offs334.4392%758
Earnings coverage of net charge-offs (x)57.9163%862
Efficiency ratio58.2956%4,303
Assets per employee ($millions)13.7208%136
Cash dividends to net income (ytd only)*42.7706%1,742
Condition Ratios (%)
Loss allowance to loans0.4479%5,390
Loan loss allowance to noncurrent loans140.5758%2,864
Noncurrent assets plus other real estate owned to assets0.2774%3,753
Noncurrent loans to loans0.3186%3,624
Net loans and leases to total assets81.6163%709
Net loans and leases to deposits123.3197%82
Net loans and leases to core deposits163.9649%78
Total domestic deposits to total assets66.1827%5,460
Equity capital to assets9.5652%4,026
Core capital (leverage) ratio10.1067%3,418
Tier 1 risk-based capital ratio12.4482%4,282
Total risk-based capital ratio14.2315%3,859
Memoranda:
Average total assets$10,295,138,500128
Average earning assets$9,707,644,000125
Average equity$1,032,733,000154
Average total loans$8,763,412,000113
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8969%3,734
Cost of funding earning assets1.0193%191
Net interest margin2.8776%5,072
Noninterest income to average assets0.8287%1,470
Noninterest expense to average assets2.1260%4,707
Loan and lease loss provision to assets0.0671%2,861
Net operating income to assets0.9126%2,644
Return on assets (ROA)0.9711%2,404
Pretax return on assets1.4537%1,806
Return on Equity (ROE)10.1271%1,831
Retained earnings to average equity (ytd only)6.1757%1,451
Net charge-offs to loans0.0699%2,455
Credit loss provision to net charge-offs111.5359%2,334
Earnings coverage of net charge-offs (x)23.8186%1,791
Efficiency ratio59.3596%4,359
Assets per employee ($millions)12.8538%150
Cash dividends to net income (ytd only)*39.0186%2,902
Condition Ratios (%)
Loss allowance to loans0.4366%5,460
Loan loss allowance to noncurrent loans121.2716%3,188
Noncurrent assets plus other real estate owned to assets0.3363%3,521
Noncurrent loans to loans0.3600%3,480
Net loans and leases to total assets88.1685%131
Net loans and leases to deposits126.2268%62
Net loans and leases to core deposits167.9177%68
Total domestic deposits to total assets69.8493%5,410
Equity capital to assets10.5411%3,122
Core capital (leverage) ratio10.0918%3,336
Tier 1 risk-based capital ratio13.0808%3,861
Total risk-based capital ratio14.9607%3,432
Memoranda:
Average total assets$10,081,774,000121
Average earning assets$9,567,891,400118
Average equity$966,729,800154
Average total loans$8,683,763,400109
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8052%3,996
Cost of funding earning assets0.9778%218
Net interest margin2.8273%5,183
Noninterest income to average assets0.8389%1,449
Noninterest expense to average assets2.0996%4,735
Loan and lease loss provision to assets0.0780%2,523
Net operating income to assets0.9031%3,010
Return on assets (ROA)0.9783%2,708
Pretax return on assets1.4614%1,910
Return on Equity (ROE)10.4535%1,926
Retained earnings to average equity (ytd only)6.6753%1,857
Net charge-offs to loans0.0759%2,052
Credit loss provision to net charge-offs120.2309%2,004
Earnings coverage of net charge-offs (x)21.9915%1,890
Efficiency ratio59.1537%4,330
Assets per employee ($millions)13.5741%120
Cash dividends to net income (ytd only)*36.1428%2,461
Condition Ratios (%)
Loss allowance to loans0.4176%5,547
Loan loss allowance to noncurrent loans110.6989%3,348
Noncurrent assets plus other real estate owned to assets0.3408%3,683
Noncurrent loans to loans0.3772%3,598
Net loans and leases to total assets87.2981%183
Net loans and leases to deposits119.1727%107
Net loans and leases to core deposits162.2978%80
Total domestic deposits to total assets73.2534%5,293
Equity capital to assets9.7899%4,161
Core capital (leverage) ratio9.4343%4,247
Tier 1 risk-based capital ratio12.3424%4,412
Total risk-based capital ratio14.1446%3,988
Memoranda:
Average total assets$10,143,933,500120
Average earning assets$9,643,944,250117
Average equity$949,281,000156
Average total loans$8,677,768,500108
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7033%4,224
Cost of funding earning assets0.8992%306
Net interest margin2.8040%5,238
Noninterest income to average assets0.2839%4,523
Noninterest expense to average assets1.2003%5,702
Loan and lease loss provision to assets0.0714%2,543
Net operating income to assets1.1187%1,892
Return on assets (ROA)1.0329%2,320
Pretax return on assets1.6177%1,289
Return on Equity (ROE)11.2168%1,562
Retained earnings to average equity (ytd only)7.8409%1,226
Net charge-offs to loans0.0574%2,109
Credit loss provision to net charge-offs146.8059%1,546
Earnings coverage of net charge-offs (x)36.0328%1,340
Efficiency ratio40.6366%5,613
Assets per employee ($millions)13.9112%108
Cash dividends to net income (ytd only)*30.0972%2,774
Condition Ratios (%)
Loss allowance to loans0.4282%5,587
Loan loss allowance to noncurrent loans155.5618%2,704
Noncurrent assets plus other real estate owned to assets0.2492%4,131
Noncurrent loans to loans0.2753%4,057
Net loans and leases to total assets82.3020%625
Net loans and leases to deposits118.6150%110
Net loans and leases to core deposits169.6083%69
Total domestic deposits to total assets69.3858%5,559
Equity capital to assets9.3575%4,555
Core capital (leverage) ratio9.7370%3,854
Tier 1 risk-based capital ratio12.3023%4,428
Total risk-based capital ratio14.1234%3,992
Memoranda:
Average total assets$10,036,693,330121
Average earning assets$9,556,319,330116
Average equity$924,183,000159
Average total loans$8,512,147,670108
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6245%4,351
Cost of funding earning assets0.8378%391
Net interest margin2.7868%5,270
Noninterest income to average assets0.3108%4,331
Noninterest expense to average assets1.2464%5,756
Loan and lease loss provision to assets0.1268%1,521
Net operating income to assets1.0955%1,892
Return on assets (ROA)1.0466%2,135
Pretax return on assets1.5444%1,397
Return on Equity (ROE)11.4709%1,412
Retained earnings to average equity (ytd only)7.9171%1,495
Net charge-offs to loans0.0233%2,300
Credit loss provision to net charge-offs632.7801%494
Earnings coverage of net charge-offs (x)85.8506%624
Efficiency ratio42.0164%5,651
Assets per employee ($millions)13.3271%124
Cash dividends to net income (ytd only)*30.9807%2,294
Condition Ratios (%)
Loss allowance to loans0.4814%5,611
Loan loss allowance to noncurrent loans124.1301%3,206
Noncurrent assets plus other real estate owned to assets0.3526%3,794
Noncurrent loans to loans0.3879%3,718
Net loans and leases to total assets83.3692%426
Net loans and leases to deposits111.3601%195
Net loans and leases to core deposits163.7272%72
Total domestic deposits to total assets74.8645%5,344
Equity capital to assets8.9734%4,831
Core capital (leverage) ratio9.1406%4,554
Tier 1 risk-based capital ratio11.4744%5,043
Total risk-based capital ratio13.4272%4,498
Memoranda:
Average total assets$9,622,701,500124
Average earning assets$9,170,215,500116
Average equity$877,942,500164
Average total loans$8,278,069,500109
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6844%4,259
Cost of funding earning assets0.7673%589
Net interest margin2.9171%5,104
Noninterest income to average assets0.3483%4,242
Noninterest expense to average assets1.3942%5,774
Loan and lease loss provision to assets0.0255%3,847
Net operating income to assets1.1033%1,892
Return on assets (ROA)1.0056%2,431
Pretax return on assets1.6077%1,257
Return on Equity (ROE)12.9962%995
Retained earnings to average equity (ytd only)9.4268%510
Net charge-offs to loans0.0207%3,637
Credit loss provision to net charge-offs141.0951%1,942
Earnings coverage of net charge-offs (x)95.7762%623
Efficiency ratio44.6134%5,677
Assets per employee ($millions)12.6613%142
Cash dividends to net income (ytd only)*27.4645%3,424
Condition Ratios (%)
Loss allowance to loans0.4511%5,699
Loan loss allowance to noncurrent loans158.9022%2,694
Noncurrent assets plus other real estate owned to assets0.2842%4,136
Noncurrent loans to loans0.2839%4,137
Net loans and leases to total assets88.0097%122
Net loans and leases to deposits111.8889%189
Net loans and leases to core deposits174.7737%53
Total domestic deposits to total assets78.6581%4,873
Equity capital to assets9.2825%4,491
Core capital (leverage) ratio9.2328%4,431
Tier 1 risk-based capital ratio11.6259%4,972
Total risk-based capital ratio13.6081%4,356
Memoranda:
Average total assets$9,196,770,400128
Average earning assets$8,754,126,800119
Average equity$711,618,400176
Average total loans$8,047,077,200107
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6585%4,374
Cost of funding earning assets0.7529%626
Net interest margin2.9056%5,180
Noninterest income to average assets0.6233%2,559
Noninterest expense to average assets1.8304%5,481
Loan and lease loss provision to assets0.0416%3,402
Net operating income to assets0.9267%2,773
Return on assets (ROA)0.9269%2,898
Pretax return on assets1.5148%1,666
Return on Equity (ROE)12.6231%1,144
Retained earnings to average equity (ytd only)9.1332%780
Net charge-offs to loans0.0149%3,433
Credit loss provision to net charge-offs319.9552%985
Earnings coverage of net charge-offs (x)119.7963%577
Efficiency ratio53.9193%5,248
Assets per employee ($millions)12.6477%139
Cash dividends to net income (ytd only)*27.6473%2,921
Condition Ratios (%)
Loss allowance to loans0.4501%5,766
Loan loss allowance to noncurrent loans194.6131%2,285
Noncurrent assets plus other real estate owned to assets0.2441%4,461
Noncurrent loans to loans0.2313%4,441
Net loans and leases to total assets87.5451%168
Net loans and leases to deposits111.7237%229
Net loans and leases to core deposits178.1748%57
Total domestic deposits to total assets78.3585%4,844
Equity capital to assets8.2746%5,633
Core capital (leverage) ratio8.2287%5,554
Tier 1 risk-based capital ratio9.9711%5,799
Total risk-based capital ratio11.8653%5,483
Memoranda:
Average total assets$9,156,780,250127
Average earning assets$8,707,587,750118
Average equity$672,388,500180
Average total loans$7,990,809,500105
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6109%4,555
Cost of funding earning assets0.7237%706
Net interest margin2.8872%5,290
Noninterest income to average assets0.3443%4,319
Noninterest expense to average assets1.5738%5,780
Loan and lease loss provision to assets0.0613%2,904
Net operating income to assets0.9039%2,841
Return on assets (ROA)0.9043%2,970
Pretax return on assets1.4535%1,826
Return on Equity (ROE)12.8942%1,055
Retained earnings to average equity (ytd only)9.3840%750
Net charge-offs to loans0.0154%3,224
Credit loss provision to net charge-offs457.9470%703
Earnings coverage of net charge-offs (x)113.0397%516
Efficiency ratio50.9347%5,507
Assets per employee ($millions)12.4970%137
Cash dividends to net income (ytd only)*27.2232%2,944
Condition Ratios (%)
Loss allowance to loans0.4527%5,843
Loan loss allowance to noncurrent loans157.1658%2,767
Noncurrent assets plus other real estate owned to assets0.3034%4,286
Noncurrent loans to loans0.2880%4,342
Net loans and leases to total assets86.7304%204
Net loans and leases to deposits123.0927%86
Net loans and leases to core deposits201.8862%47
Total domestic deposits to total assets70.4594%5,760
Equity capital to assets7.2604%5,941
Core capital (leverage) ratio7.3852%5,897
Tier 1 risk-based capital ratio8.8558%6,003
Total risk-based capital ratio10.7549%5,930
Memoranda:
Average total assets$9,017,614,670127
Average earning assets$8,569,513,000117
Average equity$632,440,330186
Average total loans$7,847,845,000106
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5494%4,766
Cost of funding earning assets0.6919%838
Net interest margin2.8575%5,386
Noninterest income to average assets0.2880%4,669
Noninterest expense to average assets1.5294%5,883
Loan and lease loss provision to assets0.0911%2,165
Net operating income to assets0.9001%2,755
Return on assets (ROA)0.9009%2,879
Pretax return on assets1.3866%1,939
Return on Equity (ROE)13.1016%1,018
Retained earnings to average equity (ytd only)9.6900%927
Net charge-offs to loans-0.0241%4,961
Credit loss provision to net charge-offs-435.1648%4,524
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.8806%5,574
Assets per employee ($millions)16.8212%66
Cash dividends to net income (ytd only)*26.0390%2,449
Condition Ratios (%)
Loss allowance to loans0.4774%5,883
Loan loss allowance to noncurrent loans144.8742%2,836
Noncurrent assets plus other real estate owned to assets0.3445%4,181
Noncurrent loans to loans0.3295%4,256
Net loans and leases to total assets86.9438%170
Net loans and leases to deposits120.3858%97
Net loans and leases to core deposits193.5289%45
Total domestic deposits to total assets72.2210%5,756
Equity capital to assets7.0210%6,003
Core capital (leverage) ratio7.5752%5,913
Tier 1 risk-based capital ratio8.8055%6,062
Total risk-based capital ratio10.8454%5,970
Memoranda:
Average total assets$8,696,340,500132
Average earning assets$8,271,485,000125
Average equity$597,975,000193
Average total loans$7,563,569,000107
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5211%4,858
Cost of funding earning assets0.6724%948
Net interest margin2.8486%5,426
Noninterest income to average assets0.3927%4,085
Noninterest expense to average assets1.4944%5,985
Loan and lease loss provision to assets0.2746%670
Net operating income to assets0.8757%2,997
Return on assets (ROA)0.8755%3,078
Pretax return on assets1.3219%2,195
Return on Equity (ROE)12.4425%1,196
Retained earnings to average equity (ytd only)8.9321%665
Net charge-offs to loans0.1863%1,548
Credit loss provision to net charge-offs171.6838%1,574
Earnings coverage of net charge-offs (x)9.9828%2,748
Efficiency ratio48.3456%5,830
Assets per employee ($millions)16.2022%67
Cash dividends to net income (ytd only)*28.2128%3,433
Condition Ratios (%)
Loss allowance to loans0.4916%5,926
Loan loss allowance to noncurrent loans164.8797%2,626
Noncurrent assets plus other real estate owned to assets0.3185%4,319
Noncurrent loans to loans0.2982%4,387
Net loans and leases to total assets86.1323%221
Net loans and leases to deposits120.9293%93
Net loans and leases to core deposits199.4658%43
Total domestic deposits to total assets71.2253%5,841
Equity capital to assets6.7203%6,081
Core capital (leverage) ratio7.2959%6,012
Tier 1 risk-based capital ratio8.6244%6,123
Total risk-based capital ratio10.8468%6,021
Memoranda:
Average total assets$7,489,357,000141
Average earning assets$7,094,584,400134
Average equity$527,009,400199
Average total loans$6,429,677,200120
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5306%4,912
Cost of funding earning assets0.6772%944
Net interest margin2.8534%5,490
Noninterest income to average assets0.3571%4,386
Noninterest expense to average assets1.4856%6,054
Loan and lease loss provision to assets0.2641%625
Net operating income to assets0.8432%3,200
Return on assets (ROA)0.8430%3,290
Pretax return on assets1.3071%2,367
Return on Equity (ROE)11.8271%1,421
Retained earnings to average equity (ytd only)8.3525%1,112
Net charge-offs to loans0.1640%1,514
Credit loss provision to net charge-offs187.9963%1,405
Earnings coverage of net charge-offs (x)11.1880%2,522
Efficiency ratio48.5957%5,843
Assets per employee ($millions)15.6535%71
Cash dividends to net income (ytd only)*29.3785%2,839
Condition Ratios (%)
Loss allowance to loans0.5204%6,000
Loan loss allowance to noncurrent loans116.0866%3,352
Noncurrent assets plus other real estate owned to assets0.4959%3,839
Noncurrent loans to loans0.4483%4,003
Net loans and leases to total assets85.3359%266
Net loans and leases to deposits111.2127%230
Net loans and leases to core deposits174.6400%58
Total domestic deposits to total assets76.7322%5,390
Equity capital to assets7.2649%6,108
Core capital (leverage) ratio7.4551%6,066
Tier 1 risk-based capital ratio9.4498%6,152
Total risk-based capital ratio11.9241%5,742
Memoranda:
Average total assets$7,267,564,750149
Average earning assets$6,876,609,250140
Average equity$518,030,250205
Average total loans$6,224,460,750122
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4917%5,007
Cost of funding earning assets0.6663%1,016
Net interest margin2.8254%5,562
Noninterest income to average assets0.3851%4,193
Noninterest expense to average assets1.4617%6,134
Loan and lease loss provision to assets0.3433%388
Net operating income to assets0.7943%3,421
Return on assets (ROA)0.7943%3,511
Pretax return on assets1.2535%2,536
Return on Equity (ROE)11.2200%1,614
Retained earnings to average equity (ytd only)8.0656%1,242
Net charge-offs to loans0.0652%2,446
Credit loss provision to net charge-offs614.9500%541
Earnings coverage of net charge-offs (x)28.6010%1,410
Efficiency ratio47.7912%5,974
Assets per employee ($millions)15.4649%71
Cash dividends to net income (ytd only)*28.1136%2,883
Condition Ratios (%)
Loss allowance to loans0.5719%6,016
Loan loss allowance to noncurrent loans175.8325%2,466
Noncurrent assets plus other real estate owned to assets0.4562%4,110
Noncurrent loans to loans0.3253%4,534
Net loans and leases to total assets85.8352%248
Net loans and leases to deposits118.2660%116
Net loans and leases to core deposits185.0041%53
Total domestic deposits to total assets72.5781%5,905
Equity capital to assets7.0723%6,182
Core capital (leverage) ratio7.5745%6,081
Tier 1 risk-based capital ratio9.1338%6,244
Total risk-based capital ratio11.6467%5,903
Memoranda:
Average total assets$7,164,663,000151
Average earning assets$6,779,215,000142
Average equity$507,237,670211
Average total loans$6,132,913,000123
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5792%4,753
Cost of funding earning assets0.6661%1,015
Net interest margin2.9131%5,426
Noninterest income to average assets0.3500%4,398
Noninterest expense to average assets1.5360%6,156
Loan and lease loss provision to assets0.1706%1,160
Net operating income to assets0.9039%2,725
Return on assets (ROA)0.9039%2,850
Pretax return on assets1.3927%1,913
Return on Equity (ROE)12.7601%1,147
Retained earnings to average equity (ytd only)9.5103%1,039
Net charge-offs to loans0.0676%2,059
Credit loss provision to net charge-offs296.1039%824
Earnings coverage of net charge-offs (x)27.1359%1,218
Efficiency ratio49.5608%5,941
Assets per employee ($millions)15.8257%73
Cash dividends to net income (ytd only)*25.4680%2,440
Condition Ratios (%)
Loss allowance to loans0.5506%6,116
Loan loss allowance to noncurrent loans126.9996%3,139
Noncurrent assets plus other real estate owned to assets0.5567%3,809
Noncurrent loans to loans0.4336%4,295
Net loans and leases to total assets85.3167%232
Net loans and leases to deposits123.4361%62
Net loans and leases to core deposits178.7508%56
Total domestic deposits to total assets69.1182%6,162
Equity capital to assets7.0237%6,260
Core capital (leverage) ratio7.3538%6,184
Tier 1 risk-based capital ratio9.0462%6,316
Total risk-based capital ratio11.6646%5,995
Memoranda:
Average total assets$6,950,370,000153
Average earning assets$6,559,626,500141
Average equity$492,349,000212
Average total loans$5,921,783,000126
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6136%5,051
Cost of funding earning assets0.6313%1,543
Net interest margin2.9823%5,484
Noninterest income to average assets0.4301%3,968
Noninterest expense to average assets1.7031%6,150
Loan and lease loss provision to assets0.2632%842
Net operating income to assets0.8575%3,076
Return on assets (ROA)0.8962%2,980
Pretax return on assets1.3240%2,163
Return on Equity (ROE)11.3611%1,604
Retained earnings to average equity (ytd only)11.3611%346
Net charge-offs to loans0.0673%3,521
Credit loss provision to net charge-offs472.0551%558
Earnings coverage of net charge-offs (x)27.4481%1,432
Efficiency ratio52.6733%5,933
Assets per employee ($millions)16.1019%72
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.5382%6,216
Loan loss allowance to noncurrent loans105.8952%3,581
Noncurrent assets plus other real estate owned to assets0.6561%3,603
Noncurrent loans to loans0.5082%4,144
Net loans and leases to total assets84.1307%336
Net loans and leases to deposits125.6395%64
Net loans and leases to core deposits184.8352%51
Total domestic deposits to total assets66.9620%6,304
Equity capital to assets7.1467%6,307
Core capital (leverage) ratio7.3863%6,239
Tier 1 risk-based capital ratio9.2684%6,384
Total risk-based capital ratio11.9843%5,950
Memoranda:
Average total assets$5,603,590,200173
Average earning assets$5,267,147,600164
Average equity$442,043,600221
Average total loans$4,645,147,200151
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5664%5,226
Cost of funding earning assets0.6035%1,796
Net interest margin2.9629%5,579
Noninterest income to average assets0.4088%4,173
Noninterest expense to average assets1.7318%6,178
Loan and lease loss provision to assets0.3088%622
Net operating income to assets0.7985%3,437
Return on assets (ROA)0.8538%3,253
Pretax return on assets1.2292%2,658
Return on Equity (ROE)10.5074%1,997
Retained earnings to average equity (ytd only)10.5074%596
Net charge-offs to loans0.0540%3,440
Credit loss provision to net charge-offs694.6297%434
Earnings coverage of net charge-offs (x)32.7925%1,294
Efficiency ratio54.2958%5,796
Assets per employee ($millions)16.2574%66
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.5645%6,268
Loan loss allowance to noncurrent loans96.0835%3,761
Noncurrent assets plus other real estate owned to assets0.7705%3,511
Noncurrent loans to loans0.5876%4,163
Net loans and leases to total assets84.1890%328
Net loans and leases to deposits126.7369%58
Net loans and leases to core deposits182.6095%51
Total domestic deposits to total assets66.4282%6,395
Equity capital to assets6.9508%6,389
Core capital (leverage) ratio7.5457%6,265
Tier 1 risk-based capital ratio8.9635%6,481
Total risk-based capital ratio11.7823%6,146
Memoranda:
Average total assets$5,305,732,500177
Average earning assets$4,979,587,000169
Average equity$431,150,250225
Average total loans$4,369,526,000157
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5581%5,266
Cost of funding earning assets0.5612%2,247
Net interest margin2.9969%5,538
Noninterest income to average assets0.4404%3,939
Noninterest expense to average assets1.8241%6,111
Loan and lease loss provision to assets0.2956%671
Net operating income to assets0.7609%3,512
Return on assets (ROA)0.8480%3,190
Pretax return on assets1.2633%2,400
Return on Equity (ROE)9.8086%2,239
Retained earnings to average equity (ytd only)9.8086%765
Net charge-offs to loans0.0724%2,980
Credit loss provision to net charge-offs502.2853%576
Earnings coverage of net charge-offs (x)24.2770%1,437
Efficiency ratio56.0740%5,744
Assets per employee ($millions)13.9443%89
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.5990%6,316
Loan loss allowance to noncurrent loans67.3179%4,591
Noncurrent assets plus other real estate owned to assets0.9768%3,112
Noncurrent loans to loans0.8898%3,477
Net loans and leases to total assets83.4400%341
Net loans and leases to deposits125.2893%53
Net loans and leases to core deposits173.7593%55
Total domestic deposits to total assets66.5978%6,465
Equity capital to assets7.8040%6,253
Core capital (leverage) ratio8.3253%5,820
Tier 1 risk-based capital ratio10.2228%6,331
Total risk-based capital ratio13.4750%5,322
Memoranda:
Average total assets$4,906,658,670185
Average earning assets$4,604,826,330177
Average equity$424,197,330225
Average total loans$3,990,749,670167
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4609%5,521
Cost of funding earning assets0.5568%2,374
Net interest margin2.9041%5,740
Noninterest income to average assets0.3994%4,193
Noninterest expense to average assets1.7953%6,227
Loan and lease loss provision to assets0.3834%441
Net operating income to assets0.6531%3,936
Return on assets (ROA)0.8271%3,088
Pretax return on assets1.1834%2,556
Return on Equity (ROE)9.0266%2,448
Retained earnings to average equity (ytd only)9.0266%1,240
Net charge-offs to loans0.0215%3,147
Credit loss provision to net charge-offs2,240.0000%155
Earnings coverage of net charge-offs (x)77.0205%560
Efficiency ratio57.6608%5,682
Assets per employee ($millions)12.8865%114
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.6587%6,330
Loan loss allowance to noncurrent loans58.3834%4,907
Noncurrent assets plus other real estate owned to assets1.2314%2,795
Noncurrent loans to loans1.1282%3,169
Net loans and leases to total assets80.7561%477
Net loans and leases to deposits111.3145%129
Net loans and leases to core deposits145.7634%107
Total domestic deposits to total assets72.5477%6,334
Equity capital to assets8.5140%5,645
Core capital (leverage) ratio9.7093%3,985
Tier 1 risk-based capital ratio11.6263%5,843
Total risk-based capital ratio12.3622%6,061
Memoranda:
Average total assets$4,557,186,500196
Average earning assets$4,259,272,000188
Average equity$417,565,000228
Average total loans$3,633,375,000174
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6623%5,237
Cost of funding earning assets0.6427%2,272
Net interest margin3.0196%5,532
Noninterest income to average assets0.6246%2,948
Noninterest expense to average assets1.9588%6,091
Loan and lease loss provision to assets0.0605%3,931
Net operating income to assets0.9423%2,597
Return on assets (ROA)0.9647%2,559
Pretax return on assets1.4841%1,499
Return on Equity (ROE)10.7242%1,856
Retained earnings to average equity (ytd only)10.7242%461
Net charge-offs to loans0.2263%2,648
Credit loss provision to net charge-offs32.4340%4,197
Earnings coverage of net charge-offs (x)8.0969%2,730
Efficiency ratio56.4573%5,899
Assets per employee ($millions)10.7762%186
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.7470%6,271
Loan loss allowance to noncurrent loans47.9107%5,336
Noncurrent assets plus other real estate owned to assets1.5108%2,458
Noncurrent loans to loans1.5591%2,560
Net loans and leases to total assets77.2583%921
Net loans and leases to deposits107.2466%223
Net loans and leases to core deposits126.4380%234
Total domestic deposits to total assets72.0380%6,420
Equity capital to assets9.9467%3,841
Core capital (leverage) ratio10.8136%2,563
Tier 1 risk-based capital ratio13.3293%4,766
Total risk-based capital ratio14.1067%5,026
Memoranda:
Average total assets$3,696,425,000216
Average earning assets$3,481,903,800209
Average equity$332,501,800252
Average total loans$3,046,728,000186
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6554%5,290
Cost of funding earning assets0.6574%2,301
Net interest margin2.9980%5,602
Noninterest income to average assets0.7510%2,364
Noninterest expense to average assets1.8821%6,213
Loan and lease loss provision to assets0.2404%1,495
Net operating income to assets0.9497%2,595
Return on assets (ROA)0.9497%2,699
Pretax return on assets1.4629%1,719
Return on Equity (ROE)10.8889%1,858
Retained earnings to average equity (ytd only)10.8889%598
Net charge-offs to loans0.2443%2,350
Credit loss provision to net charge-offs117.4868%2,001
Earnings coverage of net charge-offs (x)8.3249%2,637
Efficiency ratio52.4838%6,222
Assets per employee ($millions)10.9483%180
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.8881%6,084
Loan loss allowance to noncurrent loans47.3356%5,336
Noncurrent assets plus other real estate owned to assets1.8016%2,273
Noncurrent loans to loans1.8761%2,402
Net loans and leases to total assets76.7380%902
Net loans and leases to deposits91.6075%1,010
Net loans and leases to core deposits108.6699%638
Total domestic deposits to total assets83.7683%4,291
Equity capital to assets10.3316%3,467
Core capital (leverage) ratio11.0430%2,438
Tier 1 risk-based capital ratio13.2757%4,919
Total risk-based capital ratio14.1836%5,110
Memoranda:
Average total assets$3,588,709,250218
Average earning assets$3,392,907,000208
Average equity$312,995,000265
Average total loans$3,005,242,250184
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5901%5,467
Cost of funding earning assets0.6612%2,392
Net interest margin2.9289%5,726
Noninterest income to average assets0.8561%1,982
Noninterest expense to average assets1.8692%6,273
Loan and lease loss provision to assets0.3282%1,053
Net operating income to assets0.9375%2,629
Return on assets (ROA)0.9375%2,768
Pretax return on assets1.4424%1,792
Return on Equity (ROE)11.5437%1,624
Retained earnings to average equity (ytd only)11.5437%560
Net charge-offs to loans0.2276%2,371
Credit loss provision to net charge-offs167.4963%1,401
Earnings coverage of net charge-offs (x)9.0363%2,332
Efficiency ratio51.3439%6,323
Assets per employee ($millions)11.5956%155
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.8632%6,225
Loan loss allowance to noncurrent loans38.8551%5,677
Noncurrent assets plus other real estate owned to assets2.1899%1,971
Noncurrent loans to loans2.2216%2,148
Net loans and leases to total assets85.2396%174
Net loans and leases to deposits115.3831%89
Net loans and leases to core deposits138.8337%139
Total domestic deposits to total assets73.8753%6,451
Equity capital to assets9.2947%4,863
Core capital (leverage) ratio10.3904%2,996
Tier 1 risk-based capital ratio11.4884%6,115
Total risk-based capital ratio12.4296%6,223
Memoranda:
Average total assets$3,485,752,000223
Average earning assets$3,312,906,330211
Average equity$283,099,000284
Average total loans$3,001,081,000182
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5289%5,636
Cost of funding earning assets0.6819%2,372
Net interest margin2.8470%5,923
Noninterest income to average assets0.7929%2,151
Noninterest expense to average assets1.9662%6,174
Loan and lease loss provision to assets0.1320%2,586
Net operating income to assets0.9088%2,606
Return on assets (ROA)0.9088%2,760
Pretax return on assets1.3981%1,862
Return on Equity (ROE)12.1916%1,369
Retained earnings to average equity (ytd only)12.1916%674
Net charge-offs to loans0.0694%3,145
Credit loss provision to net charge-offs220.8835%1,013
Earnings coverage of net charge-offs (x)25.6004%1,046
Efficiency ratio56.2219%6,039
Assets per employee ($millions)12.2413%137
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.8876%6,291
Loan loss allowance to noncurrent loans31.8155%5,954
Noncurrent assets plus other real estate owned to assets2.6705%1,701
Noncurrent loans to loans2.7899%1,818
Net loans and leases to total assets85.2190%155
Net loans and leases to deposits115.9216%86
Net loans and leases to core deposits138.7047%129
Total domestic deposits to total assets73.5143%6,568
Equity capital to assets7.8433%6,454
Core capital (leverage) ratio8.9881%4,904
Tier 1 risk-based capital ratio9.4303%6,770
Total risk-based capital ratio10.3887%6,795
Memoranda:
Average total assets$3,332,753,500230
Average earning assets$3,164,690,500220
Average equity$248,433,000321
Average total loans$2,871,514,000189
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0430%5,175
Cost of funding earning assets0.9405%1,703
Net interest margin3.1024%5,806
Noninterest income to average assets0.9600%1,667
Noninterest expense to average assets2.0149%6,297
Loan and lease loss provision to assets0.6671%796
Net operating income to assets0.8047%3,267
Return on assets (ROA)1.0487%2,324
Pretax return on assets1.5907%1,413
Return on Equity (ROE)14.3797%919
Retained earnings to average equity (ytd only)14.3797%186
Net charge-offs to loans0.2739%3,287
Credit loss provision to net charge-offs297.6765%825
Earnings coverage of net charge-offs (x)8.4252%2,416
Efficiency ratio51.6088%6,490
Assets per employee ($millions)12.7538%127
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.9346%6,181
Loan loss allowance to noncurrent loans31.8299%5,988
Noncurrent assets plus other real estate owned to assets2.7891%1,722
Noncurrent loans to loans2.9364%1,781
Net loans and leases to total assets85.5462%147
Net loans and leases to deposits110.1799%153
Net loans and leases to core deposits137.0001%142
Total domestic deposits to total assets77.6423%6,135
Equity capital to assets7.0333%6,767
Core capital (leverage) ratio7.7379%6,383
Tier 1 risk-based capital ratio8.5044%6,888
Total risk-based capital ratio9.5291%6,902
Memoranda:
Average total assets$2,439,116,000296
Average earning assets$2,313,723,800283
Average equity$177,875,200425
Average total loans$1,995,574,000248
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1462%5,008
Cost of funding earning assets1.0119%1,487
Net interest margin3.1342%5,852
Noninterest income to average assets1.0767%1,298
Noninterest expense to average assets2.1006%6,162
Loan and lease loss provision to assets0.8689%523
Net operating income to assets0.7013%3,910
Return on assets (ROA)1.0484%2,506
Pretax return on assets1.6129%1,528
Return on Equity (ROE)14.1964%1,069
Retained earnings to average equity (ytd only)14.1964%288
Net charge-offs to loans0.3484%2,707
Credit loss provision to net charge-offs310.9932%865
Earnings coverage of net charge-offs (x)6.9716%2,687
Efficiency ratio51.8689%6,457
Assets per employee ($millions)10.7604%193
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.0978%5,727
Loan loss allowance to noncurrent loans30.4888%6,105
Noncurrent assets plus other real estate owned to assets3.4845%1,441
Noncurrent loans to loans3.6006%1,502
Net loans and leases to total assets84.6565%194
Net loans and leases to deposits94.0007%792
Net loans and leases to core deposits117.9506%346
Total domestic deposits to total assets90.0594%817
Equity capital to assets8.1522%6,517
Core capital (leverage) ratio8.4808%5,776
Tier 1 risk-based capital ratio10.0456%6,787
Total risk-based capital ratio11.2841%6,770
Memoranda:
Average total assets$2,248,591,000321
Average earning assets$2,131,976,000302
Average equity$166,056,500447
Average total loans$1,803,378,500262
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8342%6,059
Cost of funding earning assets1.0776%1,321
Net interest margin2.7566%6,638
Noninterest income to average assets0.7027%2,657
Noninterest expense to average assets2.1667%6,090
Loan and lease loss provision to assets0.4297%1,519
Net operating income to assets0.4654%4,977
Return on assets (ROA)1.0197%2,607
Pretax return on assets1.5687%1,642
Return on Equity (ROE)14.4371%1,024
Retained earnings to average equity (ytd only)14.4371%311
Net charge-offs to loans0.4194%2,352
Credit loss provision to net charge-offs131.4600%2,087
Earnings coverage of net charge-offs (x)3.5049%3,348
Efficiency ratio65.3898%4,648
Assets per employee ($millions)9.2474%297
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.8332%6,603
Loan loss allowance to noncurrent loans20.9769%6,486
Noncurrent assets plus other real estate owned to assets3.8571%1,345
Noncurrent loans to loans3.9721%1,394
Net loans and leases to total assets83.9838%216
Net loans and leases to deposits99.3957%446
Net loans and leases to core deposits111.9603%510
Total domestic deposits to total assets84.4944%4,103
Equity capital to assets6.9335%6,921
Core capital (leverage) ratio7.3692%6,679
Tier 1 risk-based capital ratio9.0786%6,974
Total risk-based capital ratio10.0895%6,996
Memoranda:
Average total assets$2,112,184,330341
Average earning assets$1,999,599,000318
Average equity$149,185,000483
Average total loans$1,646,176,670283
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8960%6,027
Cost of funding earning assets1.0925%1,440
Net interest margin2.8035%6,635
Noninterest income to average assets0.7069%2,632
Noninterest expense to average assets2.0711%6,334
Loan and lease loss provision to assets0.3553%1,770
Net operating income to assets0.6124%4,295
Return on assets (ROA)0.6396%4,387
Pretax return on assets0.9691%3,795
Return on Equity (ROE)8.9631%2,854
Retained earnings to average equity (ytd only)8.9631%1,610
Net charge-offs to loans0.3813%2,161
Credit loss provision to net charge-offs125.6983%1,902
Earnings coverage of net charge-offs (x)4.5391%2,555
Efficiency ratio61.7445%5,319
Assets per employee ($millions)8.7000%364
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.0351%6,133
Loan loss allowance to noncurrent loans19.4557%6,581
Noncurrent assets plus other real estate owned to assets4.5462%1,169
Noncurrent loans to loans5.3204%1,023
Net loans and leases to total assets74.5520%980
Net loans and leases to deposits81.3812%2,008
Net loans and leases to core deposits88.6130%1,988
Total domestic deposits to total assets91.6084%344
Equity capital to assets7.4148%6,812
Core capital (leverage) ratio7.3916%6,690
Tier 1 risk-based capital ratio10.3835%6,767
Total risk-based capital ratio11.5834%6,784
Memoranda:
Average total assets$2,026,218,500350
Average earning assets$1,913,331,500329
Average equity$144,592,500494
Average total loans$1,502,062,500303
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7519%6,788
Cost of funding earning assets1.3718%1,158
Net interest margin2.3801%7,111
Noninterest income to average assets0.6306%3,004
Noninterest expense to average assets2.1618%6,352
Loan and lease loss provision to assets0.5484%1,900
Net operating income to assets0.1247%5,806
Return on assets (ROA)0.2341%5,623
Pretax return on assets0.3406%5,449
Return on Equity (ROE)3.2155%5,190
Retained earnings to average equity (ytd only)3.2155%3,930
Net charge-offs to loans0.8857%1,966
Credit loss provision to net charge-offs98.9840%3,624
Earnings coverage of net charge-offs (x)1.3185%4,787
Efficiency ratio74.7447%3,099
Assets per employee ($millions)10.0851%227
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.9913%6,266
Loan loss allowance to noncurrent loans18.1172%6,667
Noncurrent assets plus other real estate owned to assets4.5624%1,199
Noncurrent loans to loans5.4716%971
Net loans and leases to total assets72.2666%1,598
Net loans and leases to deposits94.5491%775
Net loans and leases to core deposits101.8281%1,039
Total domestic deposits to total assets76.4329%6,424
Equity capital to assets6.8711%6,993
Core capital (leverage) ratio7.1115%6,827
Tier 1 risk-based capital ratio9.6603%6,924
Total risk-based capital ratio10.7815%6,951
Memoranda:
Average total assets$1,723,310,600391
Average earning assets$1,637,530,200367
Average equity$125,456,200550
Average total loans$1,077,897,400390
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5954%7,024
Cost of funding earning assets1.4607%988
Net interest margin2.1347%7,278
Noninterest income to average assets0.6137%3,085
Noninterest expense to average assets2.1354%6,443
Loan and lease loss provision to assets0.5342%1,848
Net operating income to assets-0.0181%6,177
Return on assets (ROA)0.0661%6,146
Pretax return on assets0.0905%6,116
Return on Equity (ROE)0.8916%6,088
Retained earnings to average equity (ytd only)0.8916%5,649
Net charge-offs to loans1.0539%1,512
Credit loss provision to net charge-offs85.5762%3,940
Earnings coverage of net charge-offs (x)0.8162%5,003
Efficiency ratio80.7364%2,154
Assets per employee ($millions)10.2922%229
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.1515%5,675
Loan loss allowance to noncurrent loans18.3266%6,733
Noncurrent assets plus other real estate owned to assets4.6837%1,263
Noncurrent loans to loans6.2830%860
Net loans and leases to total assets64.6303%3,182
Net loans and leases to deposits75.4963%3,412
Net loans and leases to core deposits81.8081%3,353
Total domestic deposits to total assets85.6072%3,441
Equity capital to assets7.3423%6,972
Core capital (leverage) ratio7.9332%6,449
Tier 1 risk-based capital ratio11.9273%5,946
Total risk-based capital ratio13.2887%5,854
Memoranda:
Average total assets$1,634,755,250405
Average earning assets$1,555,450,500387
Average equity$121,133,000578
Average total loans$968,273,500435
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5734%7,115
Cost of funding earning assets1.5277%908
Net interest margin2.0456%7,359
Noninterest income to average assets0.7206%2,437
Noninterest expense to average assets2.2221%6,324
Loan and lease loss provision to assets0.7250%1,289
Net operating income to assets-0.1964%6,468
Return on assets (ROA)-0.1964%6,505
Pretax return on assets-0.2773%6,518
Return on Equity (ROE)-2.6415%6,559
Retained earnings to average equity (ytd only)-2.6415%6,324
Net charge-offs to loans1.5441%951
Credit loss provision to net charge-offs82.6870%3,692
Earnings coverage of net charge-offs (x)0.5106%4,923
Efficiency ratio83.2316%1,917
Assets per employee ($millions)11.2197%179
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.5464%3,916
Loan loss allowance to noncurrent loans19.7156%6,729
Noncurrent assets plus other real estate owned to assets4.5246%1,388
Noncurrent loans to loans7.8437%589
Net loans and leases to total assets52.4070%5,512
Net loans and leases to deposits63.1392%5,379
Net loans and leases to core deposits70.2822%5,038
Total domestic deposits to total assets83.0023%4,754
Equity capital to assets7.2825%7,033
Core capital (leverage) ratio7.6597%6,616
Tier 1 risk-based capital ratio16.1884%2,889
Total risk-based capital ratio17.6060%2,770
Memoranda:
Average total assets$1,558,710,670434
Average earning assets$1,485,200,670406
Average equity$115,917,670603
Average total loans$885,026,330485
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3373%7,296
Cost of funding earning assets1.5659%931
Net interest margin1.7714%7,459
Noninterest income to average assets0.8682%1,783
Noninterest expense to average assets2.4545%5,726
Loan and lease loss provision to assets0.7512%1,133
Net operating income to assets-0.4496%6,774
Return on assets (ROA)-0.4496%6,784
Pretax return on assets-0.6517%6,847
Return on Equity (ROE)-5.9757%6,864
Retained earnings to average equity (ytd only)-5.9757%6,593
Net charge-offs to loans0.2879%2,910
Credit loss provision to net charge-offs443.7401%791
Earnings coverage of net charge-offs (x)0.5880%4,185
Efficiency ratio96.1029%915
Assets per employee ($millions)11.4010%173
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.9784%2,469
Loan loss allowance to noncurrent loans23.5411%6,628
Noncurrent assets plus other real estate owned to assets5.0471%1,245
Noncurrent loans to loans8.4042%566
Net loans and leases to total assets53.3126%5,407
Net loans and leases to deposits61.6857%5,545
Net loans and leases to core deposits71.0154%4,926
Total domestic deposits to total assets86.4261%3,273
Equity capital to assets7.4172%6,912
Core capital (leverage) ratio8.2716%5,862
Tier 1 risk-based capital ratio16.0841%2,864
Total risk-based capital ratio17.5066%2,744
Memoranda:
Average total assets$1,490,976,500457
Average earning assets$1,418,996,000431
Average equity$112,187,500612
Average total loans$876,632,000499
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1931%6,937
Cost of funding earning assets1.5664%2,264
Net interest margin2.6267%7,187
Noninterest income to average assets5.6973%117
Noninterest expense to average assets3.3390%2,611
Loan and lease loss provision to assets1.3306%1,149
Net operating income to assets2.9335%77
Return on assets (ROA)3.0524%73
Pretax return on assets3.6608%81
Return on Equity (ROE)33.4467%27
Retained earnings to average equity (ytd only)33.4467%10
Net charge-offs to loans0.9612%2,254
Credit loss provision to net charge-offs197.0857%1,607
Earnings coverage of net charge-offs (x)7.1808%2,187
Efficiency ratio40.7835%7,497
Assets per employee ($millions)10.3339%232
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.7213%3,130
Loan loss allowance to noncurrent loans23.9922%6,648
Noncurrent assets plus other real estate owned to assets5.1154%1,245
Noncurrent loans to loans7.1743%774
Net loans and leases to total assets62.8499%4,101
Net loans and leases to deposits69.3446%4,901
Net loans and leases to core deposits78.0200%4,459
Total domestic deposits to total assets90.6341%776
Equity capital to assets7.6498%6,780
Core capital (leverage) ratio8.6673%5,077
Tier 1 risk-based capital ratio19.6527%1,566
Total risk-based capital ratio21.1419%1,481
Memoranda:
Average total assets$777,592,000874
Average earning assets$737,088,200833
Average equity$70,963,600952
Average total loans$546,169,800826
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2827%6,985
Cost of funding earning assets1.5618%2,600
Net interest margin2.7209%7,210
Noninterest income to average assets9.0182%70
Noninterest expense to average assets3.9310%1,159
Loan and lease loss provision to assets2.0151%589
Net operating income to assets4.7447%31
Return on assets (ROA)4.9427%30
Pretax return on assets5.8879%38
Return on Equity (ROE)49.7588%16
Retained earnings to average equity (ytd only)49.7588%8
Net charge-offs to loans1.4134%1,440
Credit loss provision to net charge-offs193.5004%1,846
Earnings coverage of net charge-offs (x)7.3627%2,345
Efficiency ratio33.8931%7,651
Assets per employee ($millions)8.2766%458
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.7778%2,857
Loan loss allowance to noncurrent loans20.5345%6,889
Noncurrent assets plus other real estate owned to assets7.7641%656
Noncurrent loans to loans8.6574%570
Net loans and leases to total assets78.7114%926
Net loans and leases to deposits89.3261%1,818
Net loans and leases to core deposits101.1441%1,732
Total domestic deposits to total assets88.1169%1,891
Equity capital to assets9.4624%4,902
Core capital (leverage) ratio10.6668%2,538
Tier 1 risk-based capital ratio20.5311%1,439
Total risk-based capital ratio22.1419%1,353
Memoranda:
Average total assets$628,388,2501,072
Average earning assets$595,867,7501,023
Average equity$62,419,5001,075
Average total loans$462,976,750982
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0810%7,298
Cost of funding earning assets1.5862%2,737
Net interest margin2.4948%7,424
Noninterest income to average assets0.4280%4,692
Noninterest expense to average assets2.8918%4,113
Loan and lease loss provision to assets2.1874%550
Net operating income to assets-2.2653%7,367
Return on assets (ROA)-1.8312%7,268
Pretax return on assets-1.8312%7,182
Return on Equity (ROE)-17.8508%7,225
Retained earnings to average equity (ytd only)-17.8508%7,195
Net charge-offs to loans1.8755%988
Credit loss provision to net charge-offs168.4897%2,331
Earnings coverage of net charge-offs (x)-0.0600%5,770
Efficiency ratio102.7670%717
Assets per employee ($millions)6.9616%783
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.6113%1,177
Loan loss allowance to noncurrent loans67.8346%3,945
Noncurrent assets plus other real estate owned to assets3.4536%2,036
Noncurrent loans to loans3.8495%1,992
Net loans and leases to total assets72.0343%2,393
Net loans and leases to deposits82.5176%3,179
Net loans and leases to core deposits106.0609%1,437
Total domestic deposits to total assets87.2957%2,383
Equity capital to assets10.3643%3,568
Core capital (leverage) ratio11.0498%2,201
Tier 1 risk-based capital ratio24.2340%920
Total risk-based capital ratio26.1146%839
Memoranda:
Average total assets$495,750,6701,374
Average earning assets$474,097,6701,313
Average equity$50,855,0001,310
Average total loans$343,156,6701,336
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8499%7,553
Cost of funding earning assets1.6077%2,915
Net interest margin2.2422%7,628
Noninterest income to average assets0.3289%5,510
Noninterest expense to average assets3.3115%2,495
Loan and lease loss provision to assets4.0968%207
Net operating income to assets-4.9401%7,782
Return on assets (ROA)-4.6571%7,769
Pretax return on assets-4.6571%7,738
Return on Equity (ROE)-45.7506%7,692
Retained earnings to average equity (ytd only)-45.7506%7,682
Net charge-offs to loans1.4834%1,166
Credit loss provision to net charge-offs420.3846%983
Earnings coverage of net charge-offs (x)-0.8654%5,363
Efficiency ratio134.1686%296
Assets per employee ($millions)7.4115%679
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans4.0424%363
Loan loss allowance to noncurrent loans75.3411%3,611
Noncurrent assets plus other real estate owned to assets3.6658%1,906
Noncurrent loans to loans5.3655%1,321
Net loans and leases to total assets62.9442%4,544
Net loans and leases to deposits74.7701%4,633
Net loans and leases to core deposits95.4124%2,649
Total domestic deposits to total assets84.1836%4,060
Equity capital to assets12.9772%1,536
Core capital (leverage) ratio16.4910%507
Tier 1 risk-based capital ratio28.7630%590
Total risk-based capital ratio30.7723%533
Memoranda:
Average total assets$426,871,5001,630
Average earning assets$407,281,5001,560
Average equity$43,453,0001,543
Average total loans$280,445,0001,677
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0044%6,417
Cost of funding earning assets2.3512%1,453
Net interest margin2.6533%7,274
Noninterest income to average assets0.1647%6,896
Noninterest expense to average assets3.2395%3,239
Loan and lease loss provision to assets4.1022%318
Net operating income to assets-4.6867%7,698
Return on assets (ROA)-4.6097%7,689
Pretax return on assets-4.6097%7,655
Return on Equity (ROE)-66.1452%7,788
Retained earnings to average equity (ytd only)-66.1652%7,784
Net charge-offs to loans2.0606%1,189
Credit loss provision to net charge-offs254.8248%1,382
Earnings coverage of net charge-offs (x)-0.3630%6,593
Efficiency ratio122.0123%574
Assets per employee ($millions)5.6413%1,519
Cash dividends to net income (ytd only)*-0.0302%7,358
Condition Ratios (%)
Loss allowance to loans4.3561%278
Loan loss allowance to noncurrent loans69.3776%3,943
Noncurrent assets plus other real estate owned to assets4.4645%1,447
Noncurrent loans to loans6.2788%974
Net loans and leases to total assets62.9763%4,820
Net loans and leases to deposits70.1647%5,584
Net loans and leases to core deposits92.9671%4,782
Total domestic deposits to total assets89.7550%1,080
Equity capital to assets6.1479%7,646
Core capital (leverage) ratio6.6752%7,422
Tier 1 risk-based capital ratio9.8589%6,977
Total risk-based capital ratio11.8827%6,240
Memoranda:
Average total assets$287,112,6002,294
Average earning assets$269,480,4002,241
Average equity$20,009,0003,196
Average total loans$224,304,0002,066
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1885%5,922
Cost of funding earning assets2.4745%1,377
Net interest margin2.7140%7,193
Noninterest income to average assets0.1046%7,386
Noninterest expense to average assets3.1411%3,495
Loan and lease loss provision to assets4.4844%225
Net operating income to assets-5.1672%7,859
Return on assets (ROA)-5.0655%7,851
Pretax return on assets-4.8749%7,795
Return on Equity (ROE)-70.0279%7,933
Retained earnings to average equity (ytd only)-70.0551%7,931
Net charge-offs to loans2.0711%941
Credit loss provision to net charge-offs263.7966%1,612
Earnings coverage of net charge-offs (x)-0.2895%6,350
Efficiency ratio118.5796%613
Assets per employee ($millions)4.7491%2,477
Cash dividends to net income (ytd only)*-0.0388%7,595
Condition Ratios (%)
Loss allowance to loans3.9392%312
Loan loss allowance to noncurrent loans59.3815%4,395
Noncurrent assets plus other real estate owned to assets6.0415%887
Noncurrent loans to loans6.6337%858
Net loans and leases to total assets74.3686%2,424
Net loans and leases to deposits86.1706%3,283
Net loans and leases to core deposits113.4852%2,883
Total domestic deposits to total assets86.3038%2,539
Equity capital to assets8.5276%6,219
Core capital (leverage) ratio8.7615%5,031
Tier 1 risk-based capital ratio11.4087%5,520
Total risk-based capital ratio13.6469%4,575
Memoranda:
Average total assets$271,450,7502,412
Average earning assets$254,478,0002,388
Average equity$19,635,5003,297
Average total loans$222,805,5002,109
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0942%6,458
Cost of funding earning assets2.5856%1,329
Net interest margin2.5086%7,468
Noninterest income to average assets0.0856%7,547
Noninterest expense to average assets2.8443%4,762
Loan and lease loss provision to assets6.0551%133
Net operating income to assets-6.4617%8,020
Return on assets (ROA)-6.3470%8,007
Pretax return on assets-6.3470%7,968
Return on Equity (ROE)-93.5661%8,070
Retained earnings to average equity (ytd only)-93.6100%8,069
Net charge-offs to loans0.9539%1,822
Credit loss provision to net charge-offs758.3955%620
Earnings coverage of net charge-offs (x)-0.5093%6,078
Efficiency ratio116.6819%726
Assets per employee ($millions)5.3296%1,740
Cash dividends to net income (ytd only)*-0.0469%7,737
Condition Ratios (%)
Loss allowance to loans4.4296%180
Loan loss allowance to noncurrent loans99.9095%2,899
Noncurrent assets plus other real estate owned to assets4.9651%1,072
Noncurrent loans to loans4.4337%1,460
Net loans and leases to total assets80.4293%1,239
Net loans and leases to deposits93.2258%2,233
Net loans and leases to core deposits119.1148%2,444
Total domestic deposits to total assets86.2736%2,643
Equity capital to assets7.9023%6,860
Core capital (leverage) ratio7.9562%6,409
Tier 1 risk-based capital ratio10.0015%6,923
Total risk-based capital ratio12.7089%5,348
Memoranda:
Average total assets$268,536,0002,457
Average earning assets$251,774,6702,422
Average equity$18,216,0003,522
Average total loans$224,766,6702,123
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0911%6,673
Cost of funding earning assets2.6996%1,274
Net interest margin2.3916%7,626
Noninterest income to average assets0.3443%5,700
Noninterest expense to average assets2.6947%5,029
Loan and lease loss provision to assets0.1929%4,506
Net operating income to assets-0.2968%6,675
Return on assets (ROA)-0.0475%6,456
Pretax return on assets-0.0475%6,427
Return on Equity (ROE)-0.7621%6,507
Retained earnings to average equity (ytd only)-0.8574%5,852
Net charge-offs to loans0.0391%4,958
Credit loss provision to net charge-offs590.9091%962
Earnings coverage of net charge-offs (x)-3.1818%5,520
Efficiency ratio104.0092%987
Assets per employee ($millions)5.1978%1,845
Cash dividends to net income (ytd only)*-12.5000%8,074
Condition Ratios (%)
Loss allowance to loans1.3187%3,965
Loan loss allowance to noncurrent loans39.0116%5,941
Noncurrent assets plus other real estate owned to assets3.4585%1,557
Noncurrent loans to loans3.3802%1,896
Net loans and leases to total assets84.2366%657
Net loans and leases to deposits97.4322%1,747
Net loans and leases to core deposits122.5359%2,206
Total domestic deposits to total assets86.4566%2,474
Equity capital to assets6.3152%7,928
Core capital (leverage) ratio6.4001%7,912
Tier 1 risk-based capital ratio7.8497%8,028
Total risk-based capital ratio10.4812%7,636
Memoranda:
Average total assets$269,564,0002,468
Average earning assets$253,224,5002,423
Average equity$16,795,0003,772
Average total loans$225,019,0002,143
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0426%5,341
Cost of funding earning assets3.1762%1,266
Net interest margin2.8663%7,218
Noninterest income to average assets0.3117%6,222
Noninterest expense to average assets2.7676%4,970
Loan and lease loss provision to assets0.2238%4,648
Net operating income to assets0.0073%6,348
Return on assets (ROA)-0.3022%6,601
Pretax return on assets-0.4583%6,617
Return on Equity (ROE)-4.9782%6,866
Retained earnings to average equity (ytd only)-4.9782%6,512
Net charge-offs to loans0.0885%5,477
Credit loss provision to net charge-offs313.3333%1,439
Earnings coverage of net charge-offs (x)3.2821%4,447
Efficiency ratio92.1904%1,372
Assets per employee ($millions)5.4808%1,470
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.2854%3,888
Loan loss allowance to noncurrent loans48.1581%5,598
Noncurrent assets plus other real estate owned to assets2.7336%1,730
Noncurrent loans to loans2.6690%2,035
Net loans and leases to total assets80.6002%1,526
Net loans and leases to deposits92.8667%2,981
Net loans and leases to core deposits119.8427%2,704
Total domestic deposits to total assets86.7913%2,039
Equity capital to assets6.1484%8,034
Core capital (leverage) ratio6.2130%8,017
Tier 1 risk-based capital ratio7.8668%8,104
Total risk-based capital ratio10.4974%7,513
Memoranda:
Average total assets$272,982,2002,360
Average earning assets$256,215,6002,315
Average equity$16,572,2003,815
Average total loans$220,331,6002,122