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Dundee Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9385%279
Cost of funding earning assets0.5047%914
Net interest margin4.4338%307
Noninterest income to average assets2.0360%312
Noninterest expense to average assets3.0007%978
Loan and lease loss provision to assets0.3936%175
Net operating income to assets2.8296%115
Return on assets (ROA)2.8305%118
Pretax return on assets2.8694%165
Return on Equity (ROE)30.7350%65
Retained earnings to average equity (ytd only)14.9577%225
Net charge-offs to loans0.0798%1,006
Credit loss provision to net charge-offs568.5619%747
Earnings coverage of net charge-offs (x)47.1171%1,333
Efficiency ratio47.9092%4,411
Assets per employee ($millions)7.7417%1,469
Cash dividends to net income (ytd only)*51.3334%1,444
Condition Ratios (%)
Loss allowance to loans1.4017%1,909
Loan loss allowance to noncurrent loans183.7821%2,725
Noncurrent assets plus other real estate owned to assets0.6731%958
Noncurrent loans to loans0.7627%1,331
Net loans and leases to total assets87.0234%45
Net loans and leases to deposits102.6999%150
Net loans and leases to core deposits116.5285%196
Total domestic deposits to total assets84.7356%3,349
Equity capital to assets9.6336%3,011
Core capital (leverage) ratio9.5492%2,807
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$431,866,2001,890
Average earning assets$411,700,0001,862
Average equity$39,772,2002,089
Average total loans$374,499,4001,443
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1074%251
Cost of funding earning assets0.5350%893
Net interest margin4.5724%280
Noninterest income to average assets2.1798%299
Noninterest expense to average assets3.0119%948
Loan and lease loss provision to assets0.3175%242
Net operating income to assets3.1647%102
Return on assets (ROA)3.1669%104
Pretax return on assets3.2085%144
Return on Equity (ROE)34.8462%60
Retained earnings to average equity (ytd only)17.5489%218
Net charge-offs to loans0.1104%692
Credit loss provision to net charge-offs333.3333%947
Earnings coverage of net charge-offs (x)36.9867%1,416
Efficiency ratio46.0787%4,500
Assets per employee ($millions)7.3949%1,625
Cash dividends to net income (ytd only)*49.6390%1,212
Condition Ratios (%)
Loss allowance to loans1.3119%2,431
Loan loss allowance to noncurrent loans157.1429%2,850
Noncurrent assets plus other real estate owned to assets0.7267%1,013
Noncurrent loans to loans0.8349%1,371
Net loans and leases to total assets85.9073%67
Net loans and leases to deposits105.4846%141
Net loans and leases to core deposits116.1686%224
Total domestic deposits to total assets81.4407%4,024
Equity capital to assets8.8081%3,994
Core capital (leverage) ratio8.9606%3,598
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$419,836,0001,945
Average earning assets$399,959,2501,925
Average equity$38,155,2502,178
Average total loans$362,214,5001,510
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3303%207
Cost of funding earning assets0.5765%833
Net interest margin4.7538%237
Noninterest income to average assets2.4219%260
Noninterest expense to average assets3.1252%809
Loan and lease loss provision to assets0.2457%404
Net operating income to assets3.5366%89
Return on assets (ROA)3.5414%91
Pretax return on assets3.5788%113
Return on Equity (ROE)38.5221%50
Retained earnings to average equity (ytd only)20.8808%132
Net charge-offs to loans0.0103%1,766
Credit loss provision to net charge-offs2,777.7778%219
Earnings coverage of net charge-offs (x)431.7778%299
Efficiency ratio45.0004%4,573
Assets per employee ($millions)7.2750%1,612
Cash dividends to net income (ytd only)*45.7952%1,376
Condition Ratios (%)
Loss allowance to loans1.3464%2,210
Loan loss allowance to noncurrent loans156.5814%2,816
Noncurrent assets plus other real estate owned to assets0.8147%981
Noncurrent loans to loans0.8598%1,435
Net loans and leases to total assets84.2699%128
Net loans and leases to deposits98.6738%292
Net loans and leases to core deposits108.5689%400
Total domestic deposits to total assets85.4026%2,941
Equity capital to assets8.9986%3,797
Core capital (leverage) ratio8.8387%3,663
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$406,952,6671,980
Average earning assets$387,182,6671,957
Average equity$37,412,3332,197
Average total loans$349,916,3331,559
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1525%290
Cost of funding earning assets0.6187%805
Net interest margin4.5338%338
Noninterest income to average assets2.9976%199
Noninterest expense to average assets3.2485%650
Loan and lease loss provision to assets0.1530%844
Net operating income to assets3.8624%90
Return on assets (ROA)3.8493%95
Pretax return on assets3.8880%112
Return on Equity (ROE)41.3827%64
Retained earnings to average equity (ytd only)24.9349%142
Net charge-offs to loans0.0024%1,838
Credit loss provision to net charge-offs7,500.0000%81
Earnings coverage of net charge-offs (x)1,987.5000%36
Efficiency ratio44.4832%4,550
Assets per employee ($millions)7.1372%1,697
Cash dividends to net income (ytd only)*39.7456%1,392
Condition Ratios (%)
Loss allowance to loans1.3136%2,374
Loan loss allowance to noncurrent loans335.6017%1,615
Noncurrent assets plus other real estate owned to assets0.4218%2,133
Noncurrent loans to loans0.3914%2,698
Net loans and leases to total assets85.0286%114
Net loans and leases to deposits104.9994%188
Net loans and leases to core deposits117.2184%274
Total domestic deposits to total assets80.9801%4,066
Equity capital to assets9.0577%3,624
Core capital (leverage) ratio9.3176%3,247
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$392,178,5002,023
Average earning assets$372,401,5001,991
Average equity$36,479,0002,236
Average total loans$338,445,0001,602
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2289%320
Cost of funding earning assets1.0920%410
Net interest margin4.1369%732
Noninterest income to average assets2.4884%243
Noninterest expense to average assets3.5848%615
Loan and lease loss provision to assets0.4482%625
Net operating income to assets2.3698%157
Return on assets (ROA)2.3712%169
Pretax return on assets2.4100%213
Return on Equity (ROE)25.4345%102
Retained earnings to average equity (ytd only)16.0349%117
Net charge-offs to loans-0.0033%4,052
Credit loss provision to net charge-offs-15,600.0000%4,445
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.6467%4,026
Assets per employee ($millions)6.2780%2,096
Cash dividends to net income (ytd only)*36.9563%2,504
Condition Ratios (%)
Loss allowance to loans1.4168%1,906
Loan loss allowance to noncurrent loans186.7078%2,452
Noncurrent assets plus other real estate owned to assets0.8855%1,126
Noncurrent loans to loans0.7588%1,808
Net loans and leases to total assets85.2284%122
Net loans and leases to deposits103.7349%265
Net loans and leases to core deposits116.3317%362
Total domestic deposits to total assets82.1599%3,630
Equity capital to assets9.5742%3,539
Core capital (leverage) ratio8.8825%3,812
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$348,050,2002,061
Average earning assets$332,595,6002,014
Average equity$32,448,0002,363
Average total loans$299,596,6001,686
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9469%669
Cost of funding earning assets1.1700%413
Net interest margin3.7770%1,692
Noninterest income to average assets2.3593%255
Noninterest expense to average assets3.4564%748
Loan and lease loss provision to assets0.4126%831
Net operating income to assets2.0724%255
Return on assets (ROA)2.0743%277
Pretax return on assets2.1094%403
Return on Equity (ROE)22.4136%166
Retained earnings to average equity (ytd only)15.1569%193
Net charge-offs to loans-0.0014%3,843
Credit loss provision to net charge-offs-35,333.3333%4,443
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.8269%3,689
Assets per employee ($millions)7.2723%1,339
Cash dividends to net income (ytd only)*32.3761%2,264
Condition Ratios (%)
Loss allowance to loans1.1777%2,793
Loan loss allowance to noncurrent loans132.3587%2,893
Noncurrent assets plus other real estate owned to assets0.9964%1,117
Noncurrent loans to loans0.8898%1,682
Net loans and leases to total assets86.0928%149
Net loans and leases to deposits111.6664%201
Net loans and leases to core deposits123.7470%343
Total domestic deposits to total assets77.0982%4,312
Equity capital to assets8.6149%4,393
Core capital (leverage) ratio8.9158%3,848
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$342,462,5002,064
Average earning assets$327,979,5002,019
Average equity$31,694,2502,392
Average total loans$294,439,7501,702
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0784%713
Cost of funding earning assets1.3013%358
Net interest margin3.7771%1,895
Noninterest income to average assets1.8538%324
Noninterest expense to average assets3.3532%920
Loan and lease loss provision to assets0.3746%1,116
Net operating income to assets1.7082%611
Return on assets (ROA)1.7082%667
Pretax return on assets1.7439%905
Return on Equity (ROE)17.9588%372
Retained earnings to average equity (ytd only)13.6014%303
Net charge-offs to loans0.0431%1,885
Credit loss provision to net charge-offs1,016.6667%782
Earnings coverage of net charge-offs (x)57.5000%1,002
Efficiency ratio61.2838%3,239
Assets per employee ($millions)6.8542%1,530
Cash dividends to net income (ytd only)*24.2631%2,581
Condition Ratios (%)
Loss allowance to loans1.0992%3,069
Loan loss allowance to noncurrent loans397.8507%1,242
Noncurrent assets plus other real estate owned to assets0.3739%2,804
Noncurrent loans to loans0.2763%3,392
Net loans and leases to total assets85.4990%159
Net loans and leases to deposits107.0193%291
Net loans and leases to core deposits119.4757%434
Total domestic deposits to total assets79.8912%3,860
Equity capital to assets8.7316%4,331
Core capital (leverage) ratio9.1124%3,783
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$325,716,0002,115
Average earning assets$311,985,3332,061
Average equity$30,982,0002,408
Average total loans$278,547,3331,753
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3265%527
Cost of funding earning assets1.4970%274
Net interest margin3.8294%1,877
Noninterest income to average assets0.9015%1,061
Noninterest expense to average assets3.0800%1,691
Loan and lease loss provision to assets0.2109%1,450
Net operating income to assets1.2336%1,422
Return on assets (ROA)1.2336%1,524
Pretax return on assets1.2718%1,961
Return on Equity (ROE)12.3507%1,019
Retained earnings to average equity (ytd only)12.3507%387
Net charge-offs to loans0.0217%1,933
Credit loss provision to net charge-offs1,142.8571%521
Earnings coverage of net charge-offs (x)80.3571%669
Efficiency ratio67.5043%2,744
Assets per employee ($millions)5.6324%1,989
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1827%2,761
Loan loss allowance to noncurrent loans342.7313%1,362
Noncurrent assets plus other real estate owned to assets0.2931%3,280
Noncurrent loans to loans0.3451%3,252
Net loans and leases to total assets83.9322%268
Net loans and leases to deposits101.8162%452
Net loans and leases to core deposits113.2884%696
Total domestic deposits to total assets82.4351%3,283
Equity capital to assets10.0048%3,780
Core capital (leverage) ratio10.0507%3,408
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$303,511,0002,190
Average earning assets$290,173,5002,131
Average equity$30,314,0002,434
Average total loans$257,835,5001,817
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3624%724
Cost of funding earning assets1.7462%168
Net interest margin3.6162%3,087
Noninterest income to average assets1.1607%697
Noninterest expense to average assets2.9925%2,041
Loan and lease loss provision to assets0.3867%378
Net operating income to assets1.2031%2,045
Return on assets (ROA)1.2031%2,142
Pretax return on assets1.2325%2,727
Return on Equity (ROE)13.2026%1,114
Retained earnings to average equity (ytd only)-2.4435%4,891
Net charge-offs to loans0.3850%503
Credit loss provision to net charge-offs119.2758%2,120
Earnings coverage of net charge-offs (x)4.9947%3,147
Efficiency ratio64.8825%2,952
Assets per employee ($millions)5.7162%1,866
Cash dividends to net income (ytd only)*118.5079%185
Condition Ratios (%)
Loss allowance to loans1.1744%2,574
Loan loss allowance to noncurrent loans328.0973%1,406
Noncurrent assets plus other real estate owned to assets0.3125%3,172
Noncurrent loans to loans0.3579%3,166
Net loans and leases to total assets83.9678%322
Net loans and leases to deposits99.8160%616
Net loans and leases to core deposits113.7911%681
Total domestic deposits to total assets84.1226%2,812
Equity capital to assets9.9701%3,949
Core capital (leverage) ratio9.9946%3,524
Tier 1 risk-based capital ratio12.5236%4,056
Total risk-based capital ratio13.7735%3,938
Memoranda:
Average total assets$289,658,6002,223
Average earning assets$276,423,0002,168
Average equity$26,396,4002,602
Average total loans$243,882,4001,863
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3595%762
Cost of funding earning assets1.7648%159
Net interest margin3.5947%3,263
Noninterest income to average assets1.0388%861
Noninterest expense to average assets2.9357%2,142
Loan and lease loss provision to assets0.4402%291
Net operating income to assets1.0666%2,708
Return on assets (ROA)1.0666%2,793
Pretax return on assets1.0925%3,313
Return on Equity (ROE)11.9955%1,620
Retained earnings to average equity (ytd only)-4.8618%5,061
Net charge-offs to loans0.4567%370
Credit loss provision to net charge-offs114.7343%2,029
Earnings coverage of net charge-offs (x)3.9952%3,054
Efficiency ratio65.6885%2,771
Assets per employee ($millions)5.5549%1,978
Cash dividends to net income (ytd only)*140.5300%134
Condition Ratios (%)
Loss allowance to loans1.1635%2,700
Loan loss allowance to noncurrent loans199.6568%2,104
Noncurrent assets plus other real estate owned to assets0.5051%2,509
Noncurrent loans to loans0.5828%2,537
Net loans and leases to total assets83.9340%360
Net loans and leases to deposits97.6592%856
Net loans and leases to core deposits110.5810%922
Total domestic deposits to total assets85.9458%2,019
Equity capital to assets8.8373%4,856
Core capital (leverage) ratio8.9731%4,658
Tier 1 risk-based capital ratio11.1158%4,853
Total risk-based capital ratio12.3658%4,750
Memoranda:
Average total assets$287,763,2502,248
Average earning assets$274,545,7502,195
Average equity$25,586,7502,676
Average total loans$241,715,0001,883
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2134%960
Cost of funding earning assets1.7574%155
Net interest margin3.4560%3,725
Noninterest income to average assets0.7592%1,481
Noninterest expense to average assets2.8465%2,421
Loan and lease loss provision to assets0.5568%198
Net operating income to assets0.6283%4,223
Return on assets (ROA)0.6283%4,269
Pretax return on assets0.6479%4,452
Return on Equity (ROE)7.0511%3,657
Retained earnings to average equity (ytd only)-14.1336%5,212
Net charge-offs to loans0.4905%320
Credit loss provision to net charge-offs135.6655%1,612
Earnings coverage of net charge-offs (x)2.9352%2,890
Efficiency ratio70.2455%2,187
Assets per employee ($millions)5.5275%1,937
Cash dividends to net income (ytd only)*300.4459%36
Condition Ratios (%)
Loss allowance to loans1.2658%2,161
Loan loss allowance to noncurrent loans114.3130%3,101
Noncurrent assets plus other real estate owned to assets0.9115%1,528
Noncurrent loans to loans1.1073%1,476
Net loans and leases to total assets81.2771%701
Net loans and leases to deposits94.7651%1,177
Net loans and leases to core deposits107.5883%1,131
Total domestic deposits to total assets85.7669%2,148
Equity capital to assets8.7323%4,933
Core capital (leverage) ratio8.7672%4,798
Tier 1 risk-based capital ratio11.2098%4,822
Total risk-based capital ratio12.4609%4,721
Memoranda:
Average total assets$285,547,3302,261
Average earning assets$271,991,3302,216
Average equity$25,443,0002,680
Average total loans$238,946,6701,911
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2349%846
Cost of funding earning assets1.7317%141
Net interest margin3.5032%3,582
Noninterest income to average assets0.4680%2,745
Noninterest expense to average assets2.6689%3,000
Loan and lease loss provision to assets0.3443%349
Net operating income to assets0.7842%3,674
Return on assets (ROA)0.7842%3,720
Pretax return on assets0.7842%4,080
Return on Equity (ROE)8.7136%2,942
Retained earnings to average equity (ytd only)-28.7644%5,298
Net charge-offs to loans0.7263%207
Credit loss provision to net charge-offs56.1927%1,935
Earnings coverage of net charge-offs (x)1.8417%2,552
Efficiency ratio70.2813%2,293
Assets per employee ($millions)5.3009%2,172
Cash dividends to net income (ytd only)*430.1075%47
Condition Ratios (%)
Loss allowance to loans1.0729%3,275
Loan loss allowance to noncurrent loans40.5595%4,435
Noncurrent assets plus other real estate owned to assets2.2351%388
Noncurrent loans to loans2.6452%477
Net loans and leases to total assets83.5892%411
Net loans and leases to deposits99.8681%644
Net loans and leases to core deposits112.5021%805
Total domestic deposits to total assets83.6996%3,144
Equity capital to assets8.6770%4,890
Core capital (leverage) ratio8.6851%4,883
Tier 1 risk-based capital ratio10.8707%5,034
Total risk-based capital ratio12.0068%4,987
Memoranda:
Average total assets$284,607,0002,285
Average earning assets$270,493,0002,238
Average equity$25,615,0002,672
Average total loans$240,116,0001,912
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2107%686
Cost of funding earning assets1.4617%104
Net interest margin3.7490%2,861
Noninterest income to average assets1.0115%923
Noninterest expense to average assets2.8014%2,689
Loan and lease loss provision to assets0.2619%648
Net operating income to assets1.4381%1,313
Return on assets (ROA)1.4381%1,302
Pretax return on assets1.4774%1,850
Return on Equity (ROE)17.2024%474
Retained earnings to average equity (ytd only)13.1914%218
Net charge-offs to loans0.1746%1,102
Credit loss provision to net charge-offs177.5701%1,591
Earnings coverage of net charge-offs (x)11.7921%2,598
Efficiency ratio61.6879%3,588
Assets per employee ($millions)5.2401%2,213
Cash dividends to net income (ytd only)*23.3166%3,351
Condition Ratios (%)
Loss allowance to loans1.1688%2,729
Loan loss allowance to noncurrent loans116.7155%3,166
Noncurrent assets plus other real estate owned to assets0.8436%1,656
Noncurrent loans to loans1.0014%1,622
Net loans and leases to total assets83.2533%488
Net loans and leases to deposits99.1828%806
Net loans and leases to core deposits110.9569%944
Total domestic deposits to total assets83.9392%3,017
Equity capital to assets9.3270%4,297
Core capital (leverage) ratio8.6340%4,931
Tier 1 risk-based capital ratio11.8686%4,522
Total risk-based capital ratio13.1085%4,405
Memoranda:
Average total assets$290,174,0002,208
Average earning assets$273,169,6002,174
Average equity$24,258,2002,700
Average total loans$245,136,8001,853
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0436%856
Cost of funding earning assets1.3649%119
Net interest margin3.6787%3,095
Noninterest income to average assets0.5640%2,502
Noninterest expense to average assets2.6348%3,186
Loan and lease loss provision to assets0.3128%457
Net operating income to assets1.0343%2,946
Return on assets (ROA)1.0343%2,956
Pretax return on assets1.0736%3,489
Return on Equity (ROE)12.7290%1,528
Retained earnings to average equity (ytd only)8.9749%1,230
Net charge-offs to loans0.0438%2,219
Credit loss provision to net charge-offs845.6790%467
Earnings coverage of net charge-offs (x)37.4806%1,410
Efficiency ratio65.5122%2,957
Assets per employee ($millions)5.2495%2,170
Cash dividends to net income (ytd only)*29.4922%2,577
Condition Ratios (%)
Loss allowance to loans1.1567%2,868
Loan loss allowance to noncurrent loans107.4842%3,334
Noncurrent assets plus other real estate owned to assets0.9270%1,593
Noncurrent loans to loans1.0762%1,584
Net loans and leases to total assets84.3975%411
Net loans and leases to deposits100.3409%755
Net loans and leases to core deposits110.8376%986
Total domestic deposits to total assets84.1108%2,902
Equity capital to assets7.9624%5,192
Core capital (leverage) ratio8.2771%5,213
Tier 1 risk-based capital ratio9.9776%5,383
Total risk-based capital ratio11.1971%5,346
Memoranda:
Average total assets$291,976,7502,208
Average earning assets$274,398,7502,177
Average equity$23,724,7502,765
Average total loans$246,830,5001,849
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9280%960
Cost of funding earning assets1.2940%118
Net interest margin3.6340%3,186
Noninterest income to average assets0.5460%2,593
Noninterest expense to average assets2.5617%3,442
Loan and lease loss provision to assets0.4265%278
Net operating income to assets0.9285%3,327
Return on assets (ROA)0.9285%3,327
Pretax return on assets0.9683%3,758
Return on Equity (ROE)11.3443%1,977
Retained earnings to average equity (ytd only)8.1836%1,543
Net charge-offs to loans0.0448%1,970
Credit loss provision to net charge-offs1,129.6296%373
Earnings coverage of net charge-offs (x)36.9444%1,350
Efficiency ratio64.7288%3,205
Assets per employee ($millions)4.9557%2,476
Cash dividends to net income (ytd only)*27.8614%2,665
Condition Ratios (%)
Loss allowance to loans1.1962%2,744
Loan loss allowance to noncurrent loans38.8817%4,610
Noncurrent assets plus other real estate owned to assets2.6347%320
Noncurrent loans to loans3.0766%359
Net loans and leases to total assets83.6401%504
Net loans and leases to deposits99.1828%868
Net loans and leases to core deposits110.0156%1,001
Total domestic deposits to total assets84.3292%2,946
Equity capital to assets8.1078%5,185
Core capital (leverage) ratio8.4197%5,160
Tier 1 risk-based capital ratio10.0504%5,422
Total risk-based capital ratio11.2913%5,356
Memoranda:
Average total assets$286,062,6702,250
Average earning assets$268,467,6702,218
Average equity$23,412,6702,801
Average total loans$240,956,0001,879
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8752%917
Cost of funding earning assets1.2340%117
Net interest margin3.6412%3,022
Noninterest income to average assets0.6918%1,867
Noninterest expense to average assets2.6075%3,316
Loan and lease loss provision to assets0.7631%119
Net operating income to assets0.6890%4,138
Return on assets (ROA)0.6890%4,142
Pretax return on assets0.7303%4,353
Return on Equity (ROE)8.3763%3,205
Retained earnings to average equity (ytd only)8.3763%1,697
Net charge-offs to loans0.0985%1,197
Credit loss provision to net charge-offs922.4138%367
Earnings coverage of net charge-offs (x)18.0517%1,551
Efficiency ratio63.5826%3,546
Assets per employee ($millions)4.9965%2,499
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.2196%2,690
Loan loss allowance to noncurrent loans73.1653%3,967
Noncurrent assets plus other real estate owned to assets1.5295%898
Noncurrent loans to loans1.6669%1,028
Net loans and leases to total assets83.3541%503
Net loans and leases to deposits100.2597%684
Net loans and leases to core deposits113.0571%841
Total domestic deposits to total assets83.1382%3,620
Equity capital to assets8.1491%5,205
Core capital (leverage) ratio8.4333%5,182
Tier 1 risk-based capital ratio10.0966%5,478
Total risk-based capital ratio11.3467%5,407
Memoranda:
Average total assets$280,422,5002,301
Average earning assets$262,551,0002,283
Average equity$23,065,0002,858
Average total loans$235,579,5001,926
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9575%700
Cost of funding earning assets1.1309%110
Net interest margin3.8266%2,335
Noninterest income to average assets0.4361%3,398
Noninterest expense to average assets2.4627%3,905
Loan and lease loss provision to assets0.6672%186
Net operating income to assets0.8483%2,961
Return on assets (ROA)0.8483%2,985
Pretax return on assets0.8860%3,960
Return on Equity (ROE)10.1656%1,819
Retained earnings to average equity (ytd only)1.9677%4,141
Net charge-offs to loans0.6999%305
Credit loss provision to net charge-offs110.6505%2,349
Earnings coverage of net charge-offs (x)2.5759%3,731
Efficiency ratio61.3138%4,048
Assets per employee ($millions)5.1119%2,350
Cash dividends to net income (ytd only)*80.6437%825
Condition Ratios (%)
Loss allowance to loans1.0635%3,523
Loan loss allowance to noncurrent loans69.6454%4,095
Noncurrent assets plus other real estate owned to assets1.2770%1,144
Noncurrent loans to loans1.5271%1,107
Net loans and leases to total assets82.7331%593
Net loans and leases to deposits99.2521%793
Net loans and leases to core deposits108.8650%1,068
Total domestic deposits to total assets83.3565%3,446
Equity capital to assets8.3034%5,258
Core capital (leverage) ratio8.4507%5,180
Tier 1 risk-based capital ratio10.3269%5,437
Total risk-based capital ratio11.4301%5,407
Memoranda:
Average total assets$260,038,8002,416
Average earning assets$243,268,2002,397
Average equity$21,700,6002,979
Average total loans$224,019,0001,976
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0081%603
Cost of funding earning assets1.1033%110
Net interest margin3.9048%2,023
Noninterest income to average assets0.4114%3,613
Noninterest expense to average assets2.5032%3,720
Loan and lease loss provision to assets0.2994%524
Net operating income to assets1.2248%1,593
Return on assets (ROA)1.2248%1,623
Pretax return on assets1.2633%2,656
Return on Equity (ROE)14.6569%711
Retained earnings to average equity (ytd only)6.9732%1,702
Net charge-offs to loans0.2177%997
Credit loss provision to net charge-offs158.4022%1,617
Earnings coverage of net charge-offs (x)8.2672%2,804
Efficiency ratio61.5523%3,947
Assets per employee ($millions)4.4927%3,158
Cash dividends to net income (ytd only)*52.4235%1,651
Condition Ratios (%)
Loss allowance to loans1.0709%3,661
Loan loss allowance to noncurrent loans69.5410%4,141
Noncurrent assets plus other real estate owned to assets1.2906%1,246
Noncurrent loans to loans1.5400%1,212
Net loans and leases to total assets82.9112%558
Net loans and leases to deposits98.3829%881
Net loans and leases to core deposits107.7048%1,153
Total domestic deposits to total assets84.2740%3,014
Equity capital to assets8.3329%5,379
Core capital (leverage) ratio8.5603%5,197
Tier 1 risk-based capital ratio10.3490%5,496
Total risk-based capital ratio11.4668%5,494
Memoranda:
Average total assets$256,038,0002,465
Average earning assets$239,633,5002,444
Average equity$21,395,5003,029
Average total loans$222,315,5001,988
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0716%502
Cost of funding earning assets1.0795%112
Net interest margin3.9921%1,629
Noninterest income to average assets0.4265%3,514
Noninterest expense to average assets2.5839%3,484
Loan and lease loss provision to assets0.2495%668
Net operating income to assets1.2867%1,333
Return on assets (ROA)1.2867%1,360
Pretax return on assets1.3278%2,275
Return on Equity (ROE)15.3822%610
Retained earnings to average equity (ytd only)8.8118%896
Net charge-offs to loans0.0805%1,815
Credit loss provision to net charge-offs352.2727%867
Earnings coverage of net charge-offs (x)22.2727%1,716
Efficiency ratio62.0770%3,976
Assets per employee ($millions)5.5471%1,831
Cash dividends to net income (ytd only)*42.7142%2,205
Condition Ratios (%)
Loss allowance to loans1.0765%3,709
Loan loss allowance to noncurrent loans75.9226%4,053
Noncurrent assets plus other real estate owned to assets1.3168%1,243
Noncurrent loans to loans1.4179%1,346
Net loans and leases to total assets86.6267%234
Net loans and leases to deposits101.9781%610
Net loans and leases to core deposits112.6664%865
Total domestic deposits to total assets84.9463%2,837
Equity capital to assets8.6419%5,193
Core capital (leverage) ratio8.9678%4,761
Tier 1 risk-based capital ratio10.5150%5,452
Total risk-based capital ratio11.6652%5,423
Memoranda:
Average total assets$248,535,6702,531
Average earning assets$232,510,6702,504
Average equity$20,790,3303,083
Average total loans$218,605,6702,018
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1207%432
Cost of funding earning assets1.0413%136
Net interest margin4.0794%1,271
Noninterest income to average assets0.5508%2,660
Noninterest expense to average assets2.6770%3,232
Loan and lease loss provision to assets0.2921%476
Net operating income to assets1.3402%1,137
Return on assets (ROA)1.3402%1,170
Pretax return on assets1.3869%1,931
Return on Equity (ROE)16.3207%490
Retained earnings to average equity (ytd only)5.8942%2,394
Net charge-offs to loans0.1249%1,170
Credit loss provision to net charge-offs265.1515%852
Earnings coverage of net charge-offs (x)15.2424%1,683
Efficiency ratio61.4559%4,232
Assets per employee ($millions)4.7234%2,806
Cash dividends to net income (ytd only)*63.8854%1,321
Condition Ratios (%)
Loss allowance to loans1.1061%3,683
Loan loss allowance to noncurrent loans158.3223%2,713
Noncurrent assets plus other real estate owned to assets0.7202%2,497
Noncurrent loans to loans0.6986%2,750
Net loans and leases to total assets87.2533%143
Net loans and leases to deposits102.5495%472
Net loans and leases to core deposits111.1261%821
Total domestic deposits to total assets85.0841%3,051
Equity capital to assets8.2112%5,406
Core capital (leverage) ratio8.4211%5,280
Tier 1 risk-based capital ratio10.0080%5,694
Total risk-based capital ratio11.2004%5,683
Memoranda:
Average total assets$239,673,0002,617
Average earning assets$223,564,5002,613
Average equity$19,680,5003,207
Average total loans$211,327,0002,087
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1304%471
Cost of funding earning assets1.0279%145
Net interest margin4.1025%1,374
Noninterest income to average assets0.8309%1,646
Noninterest expense to average assets3.0020%2,348
Loan and lease loss provision to assets0.5062%274
Net operating income to assets1.0779%2,000
Return on assets (ROA)1.1817%1,660
Pretax return on assets1.2224%2,581
Return on Equity (ROE)13.7835%810
Retained earnings to average equity (ytd only)5.2711%2,148
Net charge-offs to loans0.3173%866
Credit loss provision to net charge-offs181.2395%1,548
Earnings coverage of net charge-offs (x)5.8174%3,278
Efficiency ratio64.6006%3,831
Assets per employee ($millions)4.6746%2,835
Cash dividends to net income (ytd only)*61.7577%1,678
Condition Ratios (%)
Loss allowance to loans1.1105%3,653
Loan loss allowance to noncurrent loans94.6606%3,739
Noncurrent assets plus other real estate owned to assets1.0593%1,781
Noncurrent loans to loans1.1731%1,752
Net loans and leases to total assets87.1355%172
Net loans and leases to deposits100.6792%630
Net loans and leases to core deposits113.2652%724
Total domestic deposits to total assets86.5477%2,352
Equity capital to assets8.2116%5,464
Core capital (leverage) ratio8.4181%5,349
Tier 1 risk-based capital ratio9.6455%5,802
Total risk-based capital ratio10.7957%5,799
Memoranda:
Average total assets$213,755,0002,814
Average earning assets$197,781,2002,816
Average equity$18,326,2003,368
Average total loans$188,135,8002,228
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2122%417
Cost of funding earning assets1.0265%147
Net interest margin4.1857%1,160
Noninterest income to average assets0.6368%2,490
Noninterest expense to average assets3.0037%2,313
Loan and lease loss provision to assets0.4036%361
Net operating income to assets1.0622%2,154
Return on assets (ROA)1.2039%1,727
Pretax return on assets1.2384%2,663
Return on Equity (ROE)13.8782%851
Retained earnings to average equity (ytd only)6.2581%2,028
Net charge-offs to loans0.1619%1,409
Credit loss provision to net charge-offs283.4081%1,088
Earnings coverage of net charge-offs (x)10.5335%2,562
Efficiency ratio66.2933%3,543
Assets per employee ($millions)4.4904%3,102
Cash dividends to net income (ytd only)*54.9074%1,654
Condition Ratios (%)
Loss allowance to loans1.1342%3,650
Loan loss allowance to noncurrent loans105.0356%3,507
Noncurrent assets plus other real estate owned to assets0.9862%2,100
Noncurrent loans to loans1.0798%2,096
Net loans and leases to total assets87.5912%164
Net loans and leases to deposits101.4182%615
Net loans and leases to core deposits111.8639%818
Total domestic deposits to total assets86.3664%2,183
Equity capital to assets8.6861%5,409
Core capital (leverage) ratio8.7397%5,115
Tier 1 risk-based capital ratio10.2460%5,718
Total risk-based capital ratio11.4344%5,678
Memoranda:
Average total assets$208,761,5002,880
Average earning assets$192,876,2502,882
Average equity$18,109,5003,413
Average total loans$183,682,7502,278
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1791%438
Cost of funding earning assets1.0151%158
Net interest margin4.1640%1,193
Noninterest income to average assets0.7844%1,789
Noninterest expense to average assets3.0399%2,231
Loan and lease loss provision to assets0.4897%271
Net operating income to assets1.0606%2,121
Return on assets (ROA)1.0644%2,231
Pretax return on assets1.0966%3,208
Return on Equity (ROE)12.2754%1,219
Retained earnings to average equity (ytd only)5.8058%2,233
Net charge-offs to loans0.2512%943
Credit loss provision to net charge-offs222.1239%1,210
Earnings coverage of net charge-offs (x)7.1770%2,655
Efficiency ratio65.3018%3,791
Assets per employee ($millions)4.7211%2,670
Cash dividends to net income (ytd only)*52.7039%1,846
Condition Ratios (%)
Loss allowance to loans1.1131%3,877
Loan loss allowance to noncurrent loans76.6224%4,202
Noncurrent assets plus other real estate owned to assets1.4531%1,336
Noncurrent loans to loans1.4527%1,524
Net loans and leases to total assets86.8976%197
Net loans and leases to deposits99.7811%711
Net loans and leases to core deposits108.0657%1,038
Total domestic deposits to total assets87.0882%1,872
Equity capital to assets8.8388%5,374
Core capital (leverage) ratio8.8360%5,015
Tier 1 risk-based capital ratio10.3246%5,751
Total risk-based capital ratio11.4703%5,714
Memoranda:
Average total assets$205,005,3302,931
Average earning assets$188,951,3302,938
Average equity$17,775,3303,476
Average total loans$179,931,0002,317
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3522%319
Cost of funding earning assets0.9883%182
Net interest margin4.3639%804
Noninterest income to average assets0.2603%4,868
Noninterest expense to average assets3.0246%2,317
Loan and lease loss provision to assets0.1232%1,716
Net operating income to assets1.0892%1,947
Return on assets (ROA)1.0970%2,014
Pretax return on assets1.1307%2,968
Return on Equity (ROE)12.7822%1,085
Retained earnings to average equity (ytd only)-0.5326%5,208
Net charge-offs to loans-0.0974%5,623
Credit loss provision to net charge-offs-144.1860%4,295
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.2187%3,075
Assets per employee ($millions)4.8755%2,486
Cash dividends to net income (ytd only)*104.1667%662
Condition Ratios (%)
Loss allowance to loans1.0334%4,429
Loan loss allowance to noncurrent loans94.2688%3,750
Noncurrent assets plus other real estate owned to assets1.0155%2,174
Noncurrent loans to loans1.0962%2,205
Net loans and leases to total assets87.1635%160
Net loans and leases to deposits101.6409%524
Net loans and leases to core deposits111.1771%797
Total domestic deposits to total assets85.7564%2,782
Equity capital to assets8.6999%5,422
Core capital (leverage) ratio9.0428%4,796
Tier 1 risk-based capital ratio10.0051%5,915
Total risk-based capital ratio11.0602%5,922
Memoranda:
Average total assets$201,283,5002,974
Average earning assets$184,972,0002,997
Average equity$17,274,0003,547
Average total loans$176,551,0002,348
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4032%319
Cost of funding earning assets1.0165%160
Net interest margin4.3867%817
Noninterest income to average assets1.1316%925
Noninterest expense to average assets3.4547%1,378
Loan and lease loss provision to assets0.4304%290
Net operating income to assets1.2137%1,507
Return on assets (ROA)1.2137%1,573
Pretax return on assets1.2616%2,428
Return on Equity (ROE)14.2855%806
Retained earnings to average equity (ytd only)5.1264%2,332
Net charge-offs to loans0.2391%1,246
Credit loss provision to net charge-offs208.5635%1,346
Earnings coverage of net charge-offs (x)8.1989%2,986
Efficiency ratio66.6704%3,800
Assets per employee ($millions)4.1940%3,575
Cash dividends to net income (ytd only)*64.1146%1,528
Condition Ratios (%)
Loss allowance to loans1.0697%4,212
Loan loss allowance to noncurrent loans1,001.1111%599
Noncurrent assets plus other real estate owned to assets0.1446%5,012
Noncurrent loans to loans0.1069%5,076
Net loans and leases to total assets86.3862%202
Net loans and leases to deposits98.0307%811
Net loans and leases to core deposits107.4146%1,009
Total domestic deposits to total assets88.1216%1,567
Equity capital to assets8.4537%5,600
Core capital (leverage) ratio8.5283%5,392
Tier 1 risk-based capital ratio9.7461%6,009
Total risk-based capital ratio10.8321%6,024
Memoranda:
Average total assets$175,411,6003,225
Average earning assets$160,551,8003,251
Average equity$14,903,2003,851
Average total loans$151,400,2002,577
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4053%314
Cost of funding earning assets1.0134%167
Net interest margin4.3919%812
Noninterest income to average assets1.1233%954
Noninterest expense to average assets3.4799%1,322
Loan and lease loss provision to assets0.5691%166
Net operating income to assets1.0594%2,172
Return on assets (ROA)1.0594%2,268
Pretax return on assets1.0945%3,253
Return on Equity (ROE)12.4518%1,251
Retained earnings to average equity (ytd only)2.6938%4,500
Net charge-offs to loans0.3616%725
Credit loss provision to net charge-offs182.9574%1,452
Earnings coverage of net charge-offs (x)5.3483%3,218
Efficiency ratio67.1870%3,676
Assets per employee ($millions)3.9620%3,951
Cash dividends to net income (ytd only)*78.3664%783
Condition Ratios (%)
Loss allowance to loans1.1081%4,183
Loan loss allowance to noncurrent loans193.7639%2,326
Noncurrent assets plus other real estate owned to assets0.6392%3,342
Noncurrent loans to loans0.5719%3,622
Net loans and leases to total assets85.2040%283
Net loans and leases to deposits96.5619%952
Net loans and leases to core deposits112.9468%712
Total domestic deposits to total assets88.2377%1,431
Equity capital to assets8.6907%5,580
Core capital (leverage) ratio8.7456%5,303
Tier 1 risk-based capital ratio10.1015%6,009
Total risk-based capital ratio11.2217%6,010
Memoranda:
Average total assets$171,034,0003,315
Average earning assets$156,558,2503,339
Average equity$14,551,7503,940
Average total loans$147,135,2502,643
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4815%273
Cost of funding earning assets0.9866%189
Net interest margin4.4948%644
Noninterest income to average assets1.2697%757
Noninterest expense to average assets3.5972%1,132
Loan and lease loss provision to assets0.7144%120
Net operating income to assets1.0327%2,213
Return on assets (ROA)1.0327%2,334
Pretax return on assets1.0686%3,308
Return on Equity (ROE)12.2215%1,309
Retained earnings to average equity (ytd only)1.3878%4,997
Net charge-offs to loans0.4775%532
Credit loss provision to net charge-offs174.0525%1,382
Earnings coverage of net charge-offs (x)4.3440%3,051
Efficiency ratio66.4146%3,941
Assets per employee ($millions)3.9643%3,950
Cash dividends to net income (ytd only)*88.6443%742
Condition Ratios (%)
Loss allowance to loans1.0893%4,382
Loan loss allowance to noncurrent loans117.1247%3,333
Noncurrent assets plus other real estate owned to assets0.8279%2,902
Noncurrent loans to loans0.9300%2,807
Net loans and leases to total assets84.5992%331
Net loans and leases to deposits95.1084%1,040
Net loans and leases to core deposits112.4457%729
Total domestic deposits to total assets88.9502%1,165
Equity capital to assets8.7683%5,464
Core capital (leverage) ratio8.8441%5,166
Tier 1 risk-based capital ratio10.3734%5,964
Total risk-based capital ratio11.4868%5,960
Memoranda:
Average total assets$167,128,0003,401
Average earning assets$152,842,0003,405
Average equity$14,122,6704,030
Average total loans$143,671,6702,704
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4197%291
Cost of funding earning assets0.9894%195
Net interest margin4.4304%690
Noninterest income to average assets1.1171%911
Noninterest expense to average assets3.8069%870
Loan and lease loss provision to assets0.1858%1,021
Net operating income to assets1.1245%1,777
Return on assets (ROA)1.1245%1,883
Pretax return on assets1.1616%2,826
Return on Equity (ROE)13.5898%959
Retained earnings to average equity (ytd only)-1.8259%5,672
Net charge-offs to loans0.1724%1,241
Credit loss provision to net charge-offs125.0000%1,404
Earnings coverage of net charge-offs (x)9.0667%2,033
Efficiency ratio73.3782%2,929
Assets per employee ($millions)3.5539%4,804
Cash dividends to net income (ytd only)*113.4361%565
Condition Ratios (%)
Loss allowance to loans1.0088%4,969
Loan loss allowance to noncurrent loans217.4046%2,077
Noncurrent assets plus other real estate owned to assets0.4453%4,256
Noncurrent loans to loans0.4640%4,188
Net loans and leases to total assets85.4766%221
Net loans and leases to deposits94.7107%919
Net loans and leases to core deposits113.0621%607
Total domestic deposits to total assets90.2502%629
Equity capital to assets8.1551%5,963
Core capital (leverage) ratio8.1891%5,815
Tier 1 risk-based capital ratio9.5105%6,271
Total risk-based capital ratio10.5409%6,283
Memoranda:
Average total assets$161,495,5003,487
Average earning assets$147,166,0003,516
Average equity$13,363,0004,178
Average total loans$139,217,0002,765
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6940%225
Cost of funding earning assets0.9419%306
Net interest margin4.7521%481
Noninterest income to average assets1.4435%584
Noninterest expense to average assets4.0194%738
Loan and lease loss provision to assets0.4872%320
Net operating income to assets1.1622%1,711
Return on assets (ROA)1.1622%1,784
Pretax return on assets1.2058%2,632
Return on Equity (ROE)13.5124%1,036
Retained earnings to average equity (ytd only)4.0852%3,299
Net charge-offs to loans0.4273%993
Credit loss provision to net charge-offs132.6415%1,792
Earnings coverage of net charge-offs (x)4.6094%3,608
Efficiency ratio70.2535%3,489
Assets per employee ($millions)3.3938%5,075
Cash dividends to net income (ytd only)*69.7674%1,306
Condition Ratios (%)
Loss allowance to loans1.0264%4,919
Loan loss allowance to noncurrent loans146.1618%2,863
Noncurrent assets plus other real estate owned to assets0.6533%3,606
Noncurrent loans to loans0.7023%3,573
Net loans and leases to total assets85.1752%266
Net loans and leases to deposits97.3579%803
Net loans and leases to core deposits117.1293%497
Total domestic deposits to total assets87.4867%2,040
Equity capital to assets8.3970%5,828
Core capital (leverage) ratio8.6056%5,441
Tier 1 risk-based capital ratio9.8598%6,293
Total risk-based capital ratio10.9171%6,301
Memoranda:
Average total assets$144,301,0003,720
Average earning assets$129,626,6003,781
Average equity$12,410,8004,283
Average total loans$124,040,0002,971
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6700%240
Cost of funding earning assets0.9393%322
Net interest margin4.7307%477
Noninterest income to average assets1.4576%590
Noninterest expense to average assets4.1167%670
Loan and lease loss provision to assets0.4014%422
Net operating income to assets1.1359%1,912
Return on assets (ROA)1.1359%1,976
Pretax return on assets1.1739%2,898
Return on Equity (ROE)13.1193%1,194
Retained earnings to average equity (ytd only)2.5428%4,775
Net charge-offs to loans0.2165%1,739
Credit loss provision to net charge-offs215.8163%1,192
Earnings coverage of net charge-offs (x)8.4693%2,795
Efficiency ratio72.2074%3,144
Assets per employee ($millions)3.0659%5,654
Cash dividends to net income (ytd only)*80.6179%725
Condition Ratios (%)
Loss allowance to loans1.1678%4,394
Loan loss allowance to noncurrent loans208.8445%2,079
Noncurrent assets plus other real estate owned to assets0.5954%4,063
Noncurrent loans to loans0.5592%4,241
Net loans and leases to total assets85.9824%198
Net loans and leases to deposits101.1115%555
Net loans and leases to core deposits125.5604%291
Total domestic deposits to total assets85.0372%3,322
Equity capital to assets9.1050%5,247
Core capital (leverage) ratio8.8754%5,224
Tier 1 risk-based capital ratio10.9857%5,998
Total risk-based capital ratio12.2359%5,944
Memoranda:
Average total assets$140,498,7503,818
Average earning assets$125,757,2503,883
Average equity$12,165,0004,353
Average total loans$120,732,0003,038
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6646%235
Cost of funding earning assets0.9363%339
Net interest margin4.7283%462
Noninterest income to average assets1.4228%598
Noninterest expense to average assets4.0661%704
Loan and lease loss provision to assets0.4537%352
Net operating income to assets1.0783%2,014
Return on assets (ROA)1.0783%2,087
Pretax return on assets1.1156%3,036
Return on Equity (ROE)12.6787%1,266
Retained earnings to average equity (ytd only)4.6933%3,155
Net charge-offs to loans0.2534%1,541
Credit loss provision to net charge-offs209.2715%1,119
Earnings coverage of net charge-offs (x)7.2384%2,660
Efficiency ratio72.0510%3,329
Assets per employee ($millions)2.9517%5,817
Cash dividends to net income (ytd only)*62.9827%1,399
Condition Ratios (%)
Loss allowance to loans1.0956%4,933
Loan loss allowance to noncurrent loans294.9474%1,541
Noncurrent assets plus other real estate owned to assets0.4356%4,707
Noncurrent loans to loans0.3714%4,881
Net loans and leases to total assets87.4463%116
Net loans and leases to deposits100.3985%539
Net loans and leases to core deposits127.3260%255
Total domestic deposits to total assets87.0992%2,402
Equity capital to assets8.3078%5,946
Core capital (leverage) ratio8.4487%5,688
Tier 1 risk-based capital ratio9.5990%6,477
Total risk-based capital ratio10.7433%6,481
Memoranda:
Average total assets$139,299,3303,860
Average earning assets$124,105,0003,930
Average equity$11,846,6704,425
Average total loans$119,188,6703,079
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6930%228
Cost of funding earning assets0.9610%320
Net interest margin4.7320%434
Noninterest income to average assets1.7419%421
Noninterest expense to average assets4.1601%633
Loan and lease loss provision to assets0.6821%179
Net operating income to assets1.0276%2,093
Return on assets (ROA)1.0276%2,166
Pretax return on assets1.0656%3,058
Return on Equity (ROE)11.9367%1,424
Retained earnings to average equity (ytd only)1.7344%4,918
Net charge-offs to loans0.4319%846
Credit loss provision to net charge-offs187.9032%1,093
Earnings coverage of net charge-offs (x)4.8145%2,467
Efficiency ratio70.3171%3,776
Assets per employee ($millions)2.8493%6,047
Cash dividends to net income (ytd only)*85.4701%877
Condition Ratios (%)
Loss allowance to loans1.1782%4,741
Loan loss allowance to noncurrent loans772.9885%652
Noncurrent assets plus other real estate owned to assets0.3890%4,981
Noncurrent loans to loans0.1524%5,628
Net loans and leases to total assets82.4877%328
Net loans and leases to deposits92.5123%915
Net loans and leases to core deposits115.5594%418
Total domestic deposits to total assets89.1641%1,553
Equity capital to assets8.6183%5,530
Core capital (leverage) ratio8.4968%5,651
Tier 1 risk-based capital ratio10.4629%6,346
Total risk-based capital ratio11.6845%6,312
Memoranda:
Average total assets$136,631,5003,942
Average earning assets$120,288,5004,033
Average equity$11,762,0004,460
Average total loans$114,843,5003,175
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0003%169
Cost of funding earning assets0.9883%475
Net interest margin5.0120%306
Noninterest income to average assets2.1836%350
Noninterest expense to average assets4.7291%433
Loan and lease loss provision to assets0.6856%337
Net operating income to assets1.1590%1,724
Return on assets (ROA)1.1590%1,781
Pretax return on assets1.1967%2,595
Return on Equity (ROE)13.3534%1,100
Retained earnings to average equity (ytd only)4.6843%2,823
Net charge-offs to loans0.6666%974
Credit loss provision to net charge-offs120.3779%1,982
Earnings coverage of net charge-offs (x)3.3050%3,901
Efficiency ratio71.4252%3,583
Assets per employee ($millions)2.7299%6,186
Cash dividends to net income (ytd only)*64.9204%1,540
Condition Ratios (%)
Loss allowance to loans1.0699%5,274
Loan loss allowance to noncurrent loans237.2361%1,815
Noncurrent assets plus other real estate owned to assets0.6476%4,291
Noncurrent loans to loans0.4510%4,869
Net loans and leases to total assets83.7314%273
Net loans and leases to deposits94.6611%823
Net loans and leases to core deposits118.9294%350
Total domestic deposits to total assets88.4539%1,924
Equity capital to assets8.5988%5,476
Core capital (leverage) ratio8.5375%5,623
Tier 1 risk-based capital ratio10.2632%6,448
Total risk-based capital ratio11.3696%6,445
Memoranda:
Average total assets$130,108,6004,070
Average earning assets$114,943,4004,165
Average equity$11,293,0004,579
Average total loans$111,164,4003,229
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0884%148
Cost of funding earning assets0.9966%501
Net interest margin5.0918%263
Noninterest income to average assets2.3126%333
Noninterest expense to average assets4.7538%419
Loan and lease loss provision to assets0.7179%304
Net operating income to assets1.3145%1,312
Return on assets (ROA)1.3145%1,370
Pretax return on assets1.3519%2,116
Return on Equity (ROE)15.1072%784
Retained earnings to average equity (ytd only)5.9141%2,470
Net charge-offs to loans0.6214%997
Credit loss provision to net charge-offs134.8928%1,748
Earnings coverage of net charge-offs (x)3.8889%3,589
Efficiency ratio69.5606%3,824
Assets per employee ($millions)2.5763%6,404
Cash dividends to net income (ytd only)*60.8522%1,419
Condition Ratios (%)
Loss allowance to loans1.1042%5,312
Loan loss allowance to noncurrent loans106.5767%3,332
Noncurrent assets plus other real estate owned to assets1.0024%3,651
Noncurrent loans to loans1.0361%3,729
Net loans and leases to total assets86.1626%145
Net loans and leases to deposits99.0195%514
Net loans and leases to core deposits128.5079%207
Total domestic deposits to total assets87.0158%2,688
Equity capital to assets8.9078%5,294
Core capital (leverage) ratio8.6194%5,631
Tier 1 risk-based capital ratio9.4657%6,686
Total risk-based capital ratio10.5115%6,695
Memoranda:
Average total assets$128,511,7504,149
Average earning assets$113,852,5004,226
Average equity$11,182,0004,652
Average total loans$110,074,0003,267
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1364%146
Cost of funding earning assets1.0177%497
Net interest margin5.1187%247
Noninterest income to average assets2.6342%297
Noninterest expense to average assets4.6663%458
Loan and lease loss provision to assets0.6256%398
Net operating income to assets1.8157%502
Return on assets (ROA)1.8157%541
Pretax return on assets1.8534%817
Return on Equity (ROE)21.0392%247
Retained earnings to average equity (ytd only)12.2456%455
Net charge-offs to loans0.4088%1,581
Credit loss provision to net charge-offs179.7297%1,328
Earnings coverage of net charge-offs (x)7.1216%2,596
Efficiency ratio65.2183%4,673
Assets per employee ($millions)2.5225%6,478
Cash dividends to net income (ytd only)*41.7962%2,188
Condition Ratios (%)
Loss allowance to loans1.1183%5,369
Loan loss allowance to noncurrent loans101.5298%3,415
Noncurrent assets plus other real estate owned to assets1.0917%3,548
Noncurrent loans to loans1.1015%3,729
Net loans and leases to total assets84.9997%188
Net loans and leases to deposits97.4624%576
Net loans and leases to core deposits127.1265%209
Total domestic deposits to total assets87.2129%2,704
Equity capital to assets9.0576%5,161
Core capital (leverage) ratio8.7837%5,314
Tier 1 risk-based capital ratio9.8040%6,674
Total risk-based capital ratio10.8682%6,687
Memoranda:
Average total assets$127,552,3304,193
Average earning assets$112,411,6704,282
Average equity$11,008,0004,718
Average total loans$108,607,6703,309
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0338%159
Cost of funding earning assets1.0358%507
Net interest margin4.9980%297
Noninterest income to average assets2.2299%372
Noninterest expense to average assets4.5967%495
Loan and lease loss provision to assets0.3785%843
Net operating income to assets1.6065%702
Return on assets (ROA)1.6065%763
Pretax return on assets1.6446%1,202
Return on Equity (ROE)19.1080%350
Retained earnings to average equity (ytd only)8.6270%1,514
Net charge-offs to loans0.2891%1,809
Credit loss provision to net charge-offs154.5455%1,336
Earnings coverage of net charge-offs (x)8.2597%1,961
Efficiency ratio69.3417%4,086
Assets per employee ($millions)2.6089%6,486
Cash dividends to net income (ytd only)*54.8515%1,435
Condition Ratios (%)
Loss allowance to loans1.0597%5,754
Loan loss allowance to noncurrent loans77.1918%4,048
Noncurrent assets plus other real estate owned to assets1.3152%3,328
Noncurrent loans to loans1.3728%3,508
Net loans and leases to total assets84.0291%189
Net loans and leases to deposits95.5680%564
Net loans and leases to core deposits128.9496%183
Total domestic deposits to total assets87.9260%2,366
Equity capital to assets8.5324%5,988
Core capital (leverage) ratio8.3130%5,807
Tier 1 risk-based capital ratio8.1548%6,856
Total risk-based capital ratio9.0348%6,866
Memoranda:
Average total assets$125,743,0004,267
Average earning assets$110,445,0004,364
Average equity$10,571,5004,868
Average total loans$106,533,5003,372
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2812%177
Cost of funding earning assets1.2596%438
Net interest margin5.0215%378
Noninterest income to average assets2.4777%324
Noninterest expense to average assets4.5924%523
Loan and lease loss provision to assets0.3213%2,126
Net operating income to assets1.9620%386
Return on assets (ROA)1.9620%417
Pretax return on assets2.0020%596
Return on Equity (ROE)24.2391%149
Retained earnings to average equity (ytd only)16.5478%106
Net charge-offs to loans0.2488%3,448
Credit loss provision to net charge-offs153.3865%1,761
Earnings coverage of net charge-offs (x)11.0916%2,071
Efficiency ratio66.2966%4,443
Assets per employee ($millions)2.4280%6,676
Cash dividends to net income (ytd only)*31.7312%3,288
Condition Ratios (%)
Loss allowance to loans1.0168%5,907
Loan loss allowance to noncurrent loans62.3563%4,572
Noncurrent assets plus other real estate owned to assets1.4684%3,182
Noncurrent loans to loans1.6306%3,181
Net loans and leases to total assets83.6596%235
Net loans and leases to deposits95.0148%680
Net loans and leases to core deposits130.5681%184
Total domestic deposits to total assets88.0491%2,208
Equity capital to assets8.2830%6,216
Core capital (leverage) ratio8.2009%5,997
Tier 1 risk-based capital ratio9.8183%6,745
Total risk-based capital ratio10.8597%6,772
Memoranda:
Average total assets$119,827,2004,368
Average earning assets$105,903,8004,454
Average equity$9,699,2005,053
Average total loans$100,896,6003,495
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2469%71
Cost of funding earning assets1.2976%440
Net interest margin5.9493%95
Noninterest income to average assets1.3241%841
Noninterest expense to average assets4.1977%724
Loan and lease loss provision to assets0.2188%2,870
Net operating income to assets2.1429%315
Return on assets (ROA)2.1429%349
Pretax return on assets2.1767%495
Return on Equity (ROE)26.6394%118
Retained earnings to average equity (ytd only)18.2550%116
Net charge-offs to loans0.1260%4,117
Credit loss provision to net charge-offs206.3830%1,341
Earnings coverage of net charge-offs (x)22.5958%1,349
Efficiency ratio63.5477%4,880
Assets per employee ($millions)2.9061%6,209
Cash dividends to net income (ytd only)*31.4735%2,565
Condition Ratios (%)
Loss allowance to loans1.0289%5,973
Loan loss allowance to noncurrent loans88.3936%3,574
Noncurrent assets plus other real estate owned to assets1.1396%4,009
Noncurrent loans to loans1.1640%4,122
Net loans and leases to total assets82.8285%292
Net loans and leases to deposits94.0455%790
Net loans and leases to core deposits136.5119%155
Total domestic deposits to total assets88.0728%2,002
Equity capital to assets8.3199%6,407
Core capital (leverage) ratio8.2570%6,078
Tier 1 risk-based capital ratio10.0912%6,776
Total risk-based capital ratio11.1589%6,798
Memoranda:
Average total assets$118,219,5004,441
Average earning assets$104,704,7504,520
Average equity$9,509,5005,149
Average total loans$99,442,7503,572
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8759%91
Cost of funding earning assets1.3090%506
Net interest margin5.5669%165
Noninterest income to average assets1.5786%594
Noninterest expense to average assets4.0072%933
Loan and lease loss provision to assets0.2001%3,080
Net operating income to assets2.2832%249
Return on assets (ROA)2.2832%278
Pretax return on assets2.3174%400
Return on Equity (ROE)28.7272%86
Retained earnings to average equity (ytd only)20.7008%90
Net charge-offs to loans0.0609%4,572
Credit loss provision to net charge-offs390.0000%760
Earnings coverage of net charge-offs (x)49.0667%743
Efficiency ratio61.3106%5,367
Assets per employee ($millions)2.8241%6,367
Cash dividends to net income (ytd only)*27.9401%2,700
Condition Ratios (%)
Loss allowance to loans1.0123%6,105
Loan loss allowance to noncurrent loans94.2779%3,360
Noncurrent assets plus other real estate owned to assets1.2130%3,989
Noncurrent loans to loans1.0737%4,376
Net loans and leases to total assets83.5842%233
Net loans and leases to deposits98.7268%483
Net loans and leases to core deposits143.0123%131
Total domestic deposits to total assets84.6621%4,024
Equity capital to assets8.0823%6,524
Core capital (leverage) ratio8.2052%6,044
Tier 1 risk-based capital ratio9.6138%6,907
Total risk-based capital ratio10.6547%6,936
Memoranda:
Average total assets$116,940,3304,482
Average earning assets$103,899,0004,577
Average equity$9,294,3305,204
Average total loans$98,540,6703,609
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9941%88
Cost of funding earning assets1.3603%486
Net interest margin5.6338%152
Noninterest income to average assets1.2381%927
Noninterest expense to average assets4.0142%923
Loan and lease loss provision to assets0.2755%2,258
Net operating income to assets1.9112%489
Return on assets (ROA)1.9112%561
Pretax return on assets1.9461%811
Return on Equity (ROE)24.2639%207
Retained earnings to average equity (ytd only)16.0726%362
Net charge-offs to loans0.1243%3,363
Credit loss provision to net charge-offs263.3333%1,099
Earnings coverage of net charge-offs (x)21.2333%1,159
Efficiency ratio64.2617%4,877
Assets per employee ($millions)3.0047%6,145
Cash dividends to net income (ytd only)*33.7591%1,965
Condition Ratios (%)
Loss allowance to loans1.0128%6,194
Loan loss allowance to noncurrent loans172.1170%1,909
Noncurrent assets plus other real estate owned to assets0.8568%4,814
Noncurrent loans to loans0.5884%5,483
Net loans and leases to total assets83.4040%199
Net loans and leases to deposits97.3253%466
Net loans and leases to core deposits140.9025%144
Total domestic deposits to total assets85.6961%3,688
Equity capital to assets7.8636%6,602
Core capital (leverage) ratio7.9732%6,280
Tier 1 risk-based capital ratio9.2983%6,995
Total risk-based capital ratio10.3337%7,024
Memoranda:
Average total assets$114,691,5004,574
Average earning assets$101,742,5004,658
Average equity$9,034,0005,272
Average total loans$96,540,5003,673
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3606%75
Cost of funding earning assets1.6581%383
Net interest margin5.7025%131
Noninterest income to average assets1.6552%508
Noninterest expense to average assets4.8507%435
Loan and lease loss provision to assets0.5036%2,088
Net operating income to assets1.3479%1,146
Return on assets (ROA)1.3479%1,237
Pretax return on assets1.3823%1,834
Return on Equity (ROE)16.4486%547
Retained earnings to average equity (ytd only)13.1421%214
Net charge-offs to loans0.3787%3,519
Credit loss provision to net charge-offs158.8235%1,744
Earnings coverage of net charge-offs (x)5.9474%2,635
Efficiency ratio71.8741%3,597
Assets per employee ($millions)2.9526%6,192
Cash dividends to net income (ytd only)*20.1020%3,528
Condition Ratios (%)
Loss allowance to loans1.0080%6,182
Loan loss allowance to noncurrent loans264.1667%1,249
Noncurrent assets plus other real estate owned to assets0.7032%5,233
Noncurrent loans to loans0.3816%5,950
Net loans and leases to total assets83.2395%256
Net loans and leases to deposits97.2651%609
Net loans and leases to core deposits140.5780%170
Total domestic deposits to total assets85.5800%3,553
Equity capital to assets7.8905%6,639
Core capital (leverage) ratio8.0194%6,244
Tier 1 risk-based capital ratio9.4154%6,977
Total risk-based capital ratio10.4551%7,001
Memoranda:
Average total assets$101,862,0004,847
Average earning assets$90,767,4004,904
Average equity$8,347,2005,463
Average total loans$85,300,4003,990
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.6715%61
Cost of funding earning assets1.7238%359
Net interest margin5.9477%94
Noninterest income to average assets1.5445%550
Noninterest expense to average assets4.7824%445
Loan and lease loss provision to assets0.5332%1,851
Net operating income to assets1.5028%922
Return on assets (ROA)1.5028%1,008
Pretax return on assets1.5391%1,548
Return on Equity (ROE)18.1487%441
Retained earnings to average equity (ytd only)15.9106%186
Net charge-offs to loans0.4078%3,091
Credit loss provision to net charge-offs156.2992%1,987
Earnings coverage of net charge-offs (x)6.0748%2,628
Efficiency ratio69.6317%4,013
Assets per employee ($millions)2.4290%6,957
Cash dividends to net income (ytd only)*12.3328%3,206
Condition Ratios (%)
Loss allowance to loans1.0202%6,165
Loan loss allowance to noncurrent loans62.9088%4,323
Noncurrent assets plus other real estate owned to assets1.7521%3,469
Noncurrent loans to loans1.6218%3,869
Net loans and leases to total assets83.9663%228
Net loans and leases to deposits98.2391%565
Net loans and leases to core deposits141.5073%175
Total domestic deposits to total assets85.4714%3,517
Equity capital to assets8.3639%6,426
Core capital (leverage) ratio8.2303%6,092
Tier 1 risk-based capital ratio9.9949%6,957
Total risk-based capital ratio11.0616%6,997
Memoranda:
Average total assets$99,278,0004,946
Average earning assets$88,637,5005,001
Average equity$8,220,7505,533
Average total loans$83,039,5004,088
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3275%81
Cost of funding earning assets1.8146%290
Net interest margin5.5129%175
Noninterest income to average assets2.0686%345
Noninterest expense to average assets4.9347%392
Loan and lease loss provision to assets0.5474%1,773
Net operating income to assets1.4638%951
Return on assets (ROA)1.4638%1,015
Pretax return on assets1.5007%1,531
Return on Equity (ROE)17.7413%481
Retained earnings to average equity (ytd only)14.3123%289
Net charge-offs to loans0.4016%2,950
Credit loss provision to net charge-offs163.8037%1,847
Earnings coverage of net charge-offs (x)6.1288%2,459
Efficiency ratio70.5520%4,016
Assets per employee ($millions)2.3662%7,058
Cash dividends to net income (ytd only)*19.3277%2,879
Condition Ratios (%)
Loss allowance to loans1.0044%6,311
Loan loss allowance to noncurrent loans52.3636%4,879
Noncurrent assets plus other real estate owned to assets2.0128%3,214
Noncurrent loans to loans1.9181%3,584
Net loans and leases to total assets83.6940%260
Net loans and leases to deposits103.8677%321
Net loans and leases to core deposits129.3098%281
Total domestic deposits to total assets80.5775%5,656
Equity capital to assets8.1869%6,528
Core capital (leverage) ratio8.2389%5,967
Tier 1 risk-based capital ratio9.7803%7,038
Total risk-based capital ratio10.8289%7,092
Memoranda:
Average total assets$97,554,3305,034
Average earning assets$86,959,6705,097
Average equity$8,049,0005,598
Average total loans$81,184,0004,171
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3144%50
Cost of funding earning assets1.8592%303
Net interest margin6.4552%71
Noninterest income to average assets1.5337%556
Noninterest expense to average assets5.0158%360
Loan and lease loss provision to assets0.9303%852
Net operating income to assets1.2822%1,316
Return on assets (ROA)1.2822%1,362
Pretax return on assets1.3200%1,978
Return on Equity (ROE)15.4770%744
Retained earnings to average equity (ytd only)15.4770%347
Net charge-offs to loans0.8481%1,556
Credit loss provision to net charge-offs132.9341%2,085
Earnings coverage of net charge-offs (x)3.2156%2,816
Efficiency ratio68.9158%4,492
Assets per employee ($millions)2.0067%7,357
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0147%6,340
Loan loss allowance to noncurrent loans50.6211%4,973
Noncurrent assets plus other real estate owned to assets2.0930%3,202
Noncurrent loans to loans2.0045%3,570
Net loans and leases to total assets82.5398%304
Net loans and leases to deposits96.8003%633
Net loans and leases to core deposits117.6913%483
Total domestic deposits to total assets85.2682%3,905
Equity capital to assets8.3698%6,085
Core capital (leverage) ratio8.1480%6,058
Tier 1 risk-based capital ratio9.7045%7,092
Total risk-based capital ratio10.7197%7,158
Memoranda:
Average total assets$95,457,5005,117
Average earning assets$84,769,0005,196
Average equity$7,908,5005,639
Average total loans$78,765,5004,301
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1165%127
Cost of funding earning assets2.1820%320
Net interest margin4.9345%502
Noninterest income to average assets4.6438%145
Noninterest expense to average assets5.9200%239
Loan and lease loss provision to assets0.8823%1,855
Net operating income to assets2.2088%195
Return on assets (ROA)2.2088%200
Pretax return on assets2.2519%282
Return on Equity (ROE)26.1672%83
Retained earnings to average equity (ytd only)19.2744%65
Net charge-offs to loans0.6700%2,999
Credit loss provision to net charge-offs154.5073%2,294
Earnings coverage of net charge-offs (x)5.4885%2,610
Efficiency ratio65.3312%5,103
Assets per employee ($millions)1.9305%7,446
Cash dividends to net income (ytd only)*26.3415%3,206
Condition Ratios (%)
Loss allowance to loans0.9843%6,445
Loan loss allowance to noncurrent loans26.7323%6,500
Noncurrent assets plus other real estate owned to assets3.4368%2,033
Noncurrent loans to loans3.6821%2,020
Net loans and leases to total assets80.8220%564
Net loans and leases to deposits95.3326%921
Net loans and leases to core deposits116.1514%635
Total domestic deposits to total assets84.7790%3,956
Equity capital to assets8.1983%6,265
Core capital (leverage) ratio8.0731%6,073
Tier 1 risk-based capital ratio9.5506%7,125
Total risk-based capital ratio10.5217%7,197
Memoranda:
Average total assets$83,530,6005,481
Average earning assets$74,657,8005,521
Average equity$7,050,8006,017
Average total loans$71,195,4004,632
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4534%86
Cost of funding earning assets2.2550%319
Net interest margin5.1984%297
Noninterest income to average assets3.8184%179
Noninterest expense to average assets5.3322%301
Loan and lease loss provision to assets0.7891%1,932
Net operating income to assets2.3145%186
Return on assets (ROA)2.3145%198
Pretax return on assets2.3591%292
Return on Equity (ROE)27.1907%73
Retained earnings to average equity (ytd only)22.4778%53
Net charge-offs to loans0.4572%3,465
Credit loss provision to net charge-offs200.0000%1,782
Earnings coverage of net charge-offs (x)7.9790%2,229
Efficiency ratio62.7604%5,477
Assets per employee ($millions)1.9279%7,540
Cash dividends to net income (ytd only)*17.3322%3,069
Condition Ratios (%)
Loss allowance to loans1.0049%6,371
Loan loss allowance to noncurrent loans26.2225%6,566
Noncurrent assets plus other real estate owned to assets3.3084%2,152
Noncurrent loans to loans3.8324%1,996
Net loans and leases to total assets82.1984%472
Net loans and leases to deposits97.6844%818
Net loans and leases to core deposits120.2289%601
Total domestic deposits to total assets84.1469%4,034
Equity capital to assets8.5202%6,255
Core capital (leverage) ratio8.7383%5,125
Tier 1 risk-based capital ratio10.2422%6,935
Total risk-based capital ratio11.2761%7,040
Memoranda:
Average total assets$80,765,0005,643
Average earning assets$72,430,5005,656
Average equity$6,874,7506,153
Average total loans$69,691,2504,768
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.6211%82
Cost of funding earning assets2.3465%289
Net interest margin5.2746%253
Noninterest income to average assets2.4115%283
Noninterest expense to average assets4.7462%460
Loan and lease loss provision to assets0.7194%2,025
Net operating income to assets1.6384%666
Return on assets (ROA)1.6384%712
Pretax return on assets1.6819%1,088
Return on Equity (ROE)19.2549%367
Retained earnings to average equity (ytd only)11.9440%502
Net charge-offs to loans0.1960%4,432
Credit loss provision to net charge-offs419.4030%871
Earnings coverage of net charge-offs (x)14.0000%1,555
Efficiency ratio66.2607%4,937
Assets per employee ($millions)1.8243%7,644
Cash dividends to net income (ytd only)*37.9688%2,178
Condition Ratios (%)
Loss allowance to loans1.0080%6,364
Loan loss allowance to noncurrent loans28.4689%6,467
Noncurrent assets plus other real estate owned to assets3.2074%2,208
Noncurrent loans to loans3.5409%2,231
Net loans and leases to total assets85.4115%263
Net loans and leases to deposits102.8773%543
Net loans and leases to core deposits120.5011%678
Total domestic deposits to total assets83.0227%4,565
Equity capital to assets8.2761%6,454
Core capital (leverage) ratio8.3276%5,708
Tier 1 risk-based capital ratio9.8058%7,130
Total risk-based capital ratio10.8689%7,218
Memoranda:
Average total assets$78,125,6705,754
Average earning assets$70,147,0005,766
Average equity$6,647,6706,255
Average total loans$68,376,3304,847
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.8015%57
Cost of funding earning assets2.4100%290
Net interest margin6.3915%80
Noninterest income to average assets1.6863%447
Noninterest expense to average assets4.5599%538
Loan and lease loss provision to assets0.9456%1,330
Net operating income to assets1.8754%424
Return on assets (ROA)1.8754%466
Pretax return on assets1.9070%725
Return on Equity (ROE)21.7203%288
Retained earnings to average equity (ytd only)21.7203%159
Net charge-offs to loans-0.0357%7,246
Credit loss provision to net charge-offs-3,000.0000%6,569
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5167%5,909
Assets per employee ($millions)1.9627%7,684
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.0150%6,383
Loan loss allowance to noncurrent loans18.1987%7,097
Noncurrent assets plus other real estate owned to assets5.0193%1,277
Noncurrent loans to loans5.5771%1,243
Net loans and leases to total assets87.5302%145
Net loans and leases to deposits108.3599%332
Net loans and leases to core deposits116.9325%912
Total domestic deposits to total assets80.7773%5,527
Equity capital to assets8.8223%5,505
Core capital (leverage) ratio8.3888%5,583
Tier 1 risk-based capital ratio10.2408%6,855
Total risk-based capital ratio11.3177%6,982
Memoranda:
Average total assets$76,142,5005,875
Average earning assets$68,216,0005,898
Average equity$6,574,5006,325
Average total loans$67,149,5004,958
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets9.5791%40
Cost of funding earning assets2.8590%363
Net interest margin6.7201%59
Noninterest income to average assets2.1049%350
Noninterest expense to average assets5.4288%404
Loan and lease loss provision to assets0.1498%6,164
Net operating income to assets2.6649%74
Return on assets (ROA)2.6649%79
Pretax return on assets2.7013%126
Return on Equity (ROE)33.3248%36
Retained earnings to average equity (ytd only)33.3248%12
Net charge-offs to loans0.0182%6,968
Credit loss provision to net charge-offs936.3636%314
Earnings coverage of net charge-offs (x)178.1818%155
Efficiency ratio65.4252%5,508
Assets per employee ($millions)1.9932%7,732
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.7521%7,262
Loan loss allowance to noncurrent loans10.8748%7,355
Noncurrent assets plus other real estate owned to assets6.2054%899
Noncurrent loans to loans6.9162%821
Net loans and leases to total assets87.2868%209
Net loans and leases to deposits106.3767%533
Net loans and leases to core deposits148.9221%535
Total domestic deposits to total assets82.0544%4,924
Equity capital to assets8.4447%5,984
Core capital (leverage) ratio8.0665%6,053
Tier 1 risk-based capital ratio9.5314%7,204
Total risk-based capital ratio10.3054%7,468
Memoranda:
Average total assets$68,744,8006,045
Average earning assets$63,168,8006,029
Average equity$5,497,4006,771
Average total loans$60,596,8005,223
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.5826%128
Cost of funding earning assets2.8445%530
Net interest margin4.7380%781
Noninterest income to average assets2.2031%319
Noninterest expense to average assets3.1464%3,474
Loan and lease loss provision to assets0.0796%6,570
Net operating income to assets3.3235%49
Return on assets (ROA)3.3235%51
Pretax return on assets3.3593%79
Return on Equity (ROE)42.2286%24
Retained earnings to average equity (ytd only)42.2286%13
Net charge-offs to loans0.0316%6,451
Credit loss provision to net charge-offs285.7143%1,466
Earnings coverage of net charge-offs (x)123.4033%302
Efficiency ratio47.7788%7,673
Assets per employee ($millions)3.1620%5,750
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.6582%7,472
Loan loss allowance to noncurrent loans19.7997%7,104
Noncurrent assets plus other real estate owned to assets3.3166%2,034
Noncurrent loans to loans3.3241%2,271
Net loans and leases to total assets90.2839%105
Net loans and leases to deposits110.6190%444
Net loans and leases to core deposits153.0227%512
Total domestic deposits to total assets81.6171%4,831
Equity capital to assets8.5651%6,160
Core capital (leverage) ratio8.5264%5,441
Tier 1 risk-based capital ratio9.8217%7,117
Total risk-based capital ratio10.5180%7,497
Memoranda:
Average total assets$66,996,0006,155
Average earning assets$61,965,0006,109
Average equity$5,272,7506,914
Average total loans$59,093,0005,330
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7705%114
Cost of funding earning assets3.0134%453
Net interest margin4.7571%720
Noninterest income to average assets1.6102%578
Noninterest expense to average assets3.0421%3,907
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets2.9714%61
Return on assets (ROA)2.9714%68
Pretax return on assets2.9776%102
Return on Equity (ROE)39.0392%33
Retained earnings to average equity (ytd only)39.0392%20
Net charge-offs to loans0.0634%5,611
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)53.8333%656
Efficiency ratio50.5360%7,631
Assets per employee ($millions)3.7185%4,282
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.6358%7,570
Loan loss allowance to noncurrent loans22.8789%6,971
Noncurrent assets plus other real estate owned to assets2.7770%2,317
Noncurrent loans to loans2.7790%2,587
Net loans and leases to total assets86.4899%330
Net loans and leases to deposits105.0906%823
Net loans and leases to core deposits139.9492%1,012
Total domestic deposits to total assets82.3003%4,570
Equity capital to assets7.8201%6,957
Core capital (leverage) ratio7.9033%6,487
Tier 1 risk-based capital ratio9.3486%7,509
Total risk-based capital ratio10.0203%7,838
Memoranda:
Average total assets$65,086,3306,257
Average earning assets$60,331,0006,209
Average equity$4,954,0007,082
Average total loans$56,759,3305,479
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4175%185
Cost of funding earning assets2.9905%617
Net interest margin4.4270%1,279
Noninterest income to average assets0.3467%5,672
Noninterest expense to average assets3.0175%3,687
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.4317%1,075
Return on assets (ROA)1.4317%1,159
Pretax return on assets1.4445%1,829
Return on Equity (ROE)19.1068%495
Retained earnings to average equity (ytd only)19.1068%191
Net charge-offs to loans-0.0441%7,661
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6259%5,038
Assets per employee ($millions)3.4905%4,846
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.7454%7,323
Loan loss allowance to noncurrent loans30.2478%6,537
Noncurrent assets plus other real estate owned to assets2.5241%2,274
Noncurrent loans to loans2.4642%2,676
Net loans and leases to total assets83.3278%800
Net loans and leases to deposits101.4316%1,241
Net loans and leases to core deposits131.6413%1,561
Total domestic deposits to total assets82.1517%4,491
Equity capital to assets7.2075%7,559
Core capital (leverage) ratio7.6125%7,010
Tier 1 risk-based capital ratio9.2329%7,644
Total risk-based capital ratio10.0411%7,937
Memoranda:
Average total assets$62,304,0006,388
Average earning assets$57,917,0006,342
Average equity$4,668,5007,233
Average total loans$54,390,5005,609
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.5911%95
Cost of funding earning assets3.4137%687
Net interest margin5.1774%353
Noninterest income to average assets0.3461%5,969
Noninterest expense to average assets3.4062%2,658
Loan and lease loss provision to assets0.7105%2,077
Net operating income to assets1.1610%1,905
Return on assets (ROA)1.1610%1,833
Pretax return on assets1.0621%3,175
Return on Equity (ROE)14.8645%945
Retained earnings to average equity (ytd only)14.8645%95
Net charge-offs to loans0.6530%1,899
Credit loss provision to net charge-offs119.0184%4,527
Earnings coverage of net charge-offs (x)2.9693%4,605
Efficiency ratio65.7709%5,176
Assets per employee ($millions)3.2382%5,369
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.7702%7,202
Loan loss allowance to noncurrent loans36.9134%6,269
Noncurrent assets plus other real estate owned to assets2.0759%2,372
Noncurrent loans to loans2.0865%2,651
Net loans and leases to total assets90.4028%169
Net loans and leases to deposits111.5028%736
Net loans and leases to core deposits139.4169%1,297
Total domestic deposits to total assets81.0767%4,605
Equity capital to assets7.8181%7,072
Core capital (leverage) ratio7.5638%7,128
Tier 1 risk-based capital ratio9.4196%7,395
Total risk-based capital ratio10.2723%7,752
Memoranda:
Average total assets$54,606,8006,597
Average earning assets$50,971,4006,557
Average equity$4,265,2007,407
Average total loans$49,920,6005,706