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Eagle Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1315%1,790
Cost of funding earning assets0.8727%3,577
Net interest margin4.2588%860
Noninterest income to average assets1.2800%464
Noninterest expense to average assets2.2117%3,088
Loan and lease loss provision to assets0.2400%482
Net operating income to assets2.1250%383
Return on assets (ROA)2.1250%376
Pretax return on assets2.8475%238
Return on Equity (ROE)25.7300%286
Retained earnings to average equity (ytd only)24.3012%79
Net charge-offs to loans0.0205%1,930
Credit loss provision to net charge-offs1,764.7059%257
Earnings coverage of net charge-offs (x)230.0000%533
Efficiency ratio41.7635%4,323
Assets per employee ($millions)7.4132%1,795
Cash dividends to net income (ytd only)*5.5679%3,323
Condition Ratios (%)
Loss allowance to loans2.5411%185
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets59.2700%2,913
Net loans and leases to deposits65.8252%3,179
Net loans and leases to core deposits94.9558%1,713
Total domestic deposits to total assets90.0400%748
Equity capital to assets9.4517%2,386
Core capital (leverage) ratio10.1130%2,683
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$126,779,2003,580
Average earning assets$119,400,2003,549
Average equity$10,468,6003,668
Average total loans$82,815,4003,370
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0126%1,803
Cost of funding earning assets0.8462%3,409
Net interest margin4.1664%968
Noninterest income to average assets1.2200%488
Noninterest expense to average assets2.2272%3,004
Loan and lease loss provision to assets0.2400%425
Net operating income to assets1.9811%511
Return on assets (ROA)1.9811%502
Pretax return on assets2.6780%322
Return on Equity (ROE)24.9500%387
Retained earnings to average equity (ytd only)22.9404%169
Net charge-offs to loans0.0192%1,744
Credit loss provision to net charge-offs1,866.6667%254
Earnings coverage of net charge-offs (x)228.0833%543
Efficiency ratio43.2981%4,260
Assets per employee ($millions)7.9151%1,390
Cash dividends to net income (ytd only)*8.0689%2,838
Condition Ratios (%)
Loss allowance to loans2.3593%244
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets61.2400%2,726
Net loans and leases to deposits66.5052%3,087
Net loans and leases to core deposits100.5454%1,289
Total domestic deposits to total assets92.0800%438
Equity capital to assets7.4266%3,398
Core capital (leverage) ratio9.2060%3,591
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$125,114,7503,617
Average earning assets$117,700,2503,583
Average equity$9,932,7503,732
Average total loans$83,233,0003,377
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8785%1,815
Cost of funding earning assets0.8294%3,132
Net interest margin4.0491%1,154
Noninterest income to average assets1.2500%419
Noninterest expense to average assets2.1924%3,101
Loan and lease loss provision to assets0.2400%414
Net operating income to assets1.9399%518
Return on assets (ROA)1.9399%517
Pretax return on assets2.6154%306
Return on Equity (ROE)23.8700%438
Retained earnings to average equity (ytd only)23.8685%145
Net charge-offs to loans0.0652%904
Credit loss provision to net charge-offs551.8519%608
Earnings coverage of net charge-offs (x)64.5926%1,159
Efficiency ratio43.3950%4,286
Assets per employee ($millions)7.3805%1,680
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans2.1772%318
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets68.0400%1,955
Net loans and leases to deposits74.7463%2,424
Net loans and leases to core deposits114.4821%671
Total domestic deposits to total assets91.0300%640
Equity capital to assets8.3614%2,981
Core capital (leverage) ratio9.4855%3,263
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$121,967,6673,658
Average earning assets$114,543,0003,629
Average equity$9,912,6673,754
Average total loans$82,847,6673,382
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7392%1,758
Cost of funding earning assets0.7798%2,803
Net interest margin3.9594%1,349
Noninterest income to average assets1.2200%434
Noninterest expense to average assets2.1228%3,324
Loan and lease loss provision to assets0.2500%378
Net operating income to assets1.8167%650
Return on assets (ROA)1.8167%639
Pretax return on assets2.5654%331
Return on Equity (ROE)22.6900%530
Retained earnings to average equity (ytd only)22.6944%259
Net charge-offs to loans0.2034%359
Credit loss provision to net charge-offs180.4878%870
Earnings coverage of net charge-offs (x)20.6098%1,443
Efficiency ratio43.0209%4,341
Assets per employee ($millions)7.1094%1,891
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans2.1953%326
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets66.8000%1,973
Net loans and leases to deposits73.3147%2,359
Net loans and leases to core deposits109.0431%734
Total domestic deposits to total assets91.1100%764
Equity capital to assets8.3071%3,032
Core capital (leverage) ratio9.3566%3,340
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$120,217,0003,719
Average earning assets$112,846,0003,688
Average equity$9,623,5003,828
Average total loans$80,638,0003,440
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3457%974
Cost of funding earning assets0.2196%3,602
Net interest margin4.1260%626
Noninterest income to average assets0.7100%1,267
Noninterest expense to average assets2.3479%2,588
Loan and lease loss provision to assets0.2900%299
Net operating income to assets1.4163%1,090
Return on assets (ROA)1.4163%1,057
Pretax return on assets1.9202%555
Return on Equity (ROE)15.9800%1,059
Retained earnings to average equity (ytd only)14.3680%341
Net charge-offs to loans0.0086%2,068
Credit loss provision to net charge-offs5,000.0000%138
Earnings coverage of net charge-offs (x)386.0000%401
Efficiency ratio51.5583%4,024
Assets per employee ($millions)7.4734%1,636
Cash dividends to net income (ytd only)*10.0874%3,232
Condition Ratios (%)
Loss allowance to loans2.2595%286
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets64.3600%2,214
Net loans and leases to deposits69.9746%2,584
Net loans and leases to core deposits100.8677%950
Total domestic deposits to total assets91.9700%649
Equity capital to assets7.6998%3,256
Core capital (leverage) ratio9.4109%3,237
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$104,988,8003,886
Average earning assets$97,890,4003,856
Average equity$9,305,4003,964
Average total loans$69,479,0003,588
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2981%743
Cost of funding earning assets0.1101%4,199
Net interest margin4.1880%432
Noninterest income to average assets0.6400%1,548
Noninterest expense to average assets2.3905%2,368
Loan and lease loss provision to assets0.3000%236
Net operating income to assets1.3367%1,248
Return on assets (ROA)1.3367%1,225
Pretax return on assets1.8577%649
Return on Equity (ROE)14.5200%1,284
Retained earnings to average equity (ytd only)12.3755%716
Net charge-offs to loans0.0179%1,487
Credit loss provision to net charge-offs2,500.0000%205
Earnings coverage of net charge-offs (x)181.8889%658
Efficiency ratio52.6057%3,961
Assets per employee ($millions)6.6773%2,177
Cash dividends to net income (ytd only)*14.7638%2,677
Condition Ratios (%)
Loss allowance to loans2.2622%313
Loan loss allowance to noncurrent loans2,395.7746%489
Noncurrent assets plus other real estate owned to assets0.0665%3,227
Noncurrent loans to loans0.0944%3,205
Net loans and leases to total assets68.7900%1,584
Net loans and leases to deposits74.9829%1,963
Net loans and leases to core deposits90.6668%1,260
Total domestic deposits to total assets91.7400%957
Equity capital to assets7.6192%3,143
Core capital (leverage) ratio9.4362%3,134
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$101,342,5003,939
Average earning assets$94,427,0003,918
Average equity$9,330,0004,001
Average total loans$67,165,0003,640
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1979%631
Cost of funding earning assets0.0582%4,542
Net interest margin4.1397%376
Noninterest income to average assets0.5246%2,065
Noninterest expense to average assets2.4841%1,977
Loan and lease loss provision to assets0.2995%220
Net operating income to assets1.2019%1,421
Return on assets (ROA)1.2019%1,406
Pretax return on assets1.6038%930
Return on Equity (ROE)12.2961%1,585
Retained earnings to average equity (ytd only)12.2961%559
Net charge-offs to loans0.0403%984
Credit loss provision to net charge-offs1,146.1538%369
Earnings coverage of net charge-offs (x)72.8462%981
Efficiency ratio56.6193%3,712
Assets per employee ($millions)6.0942%2,658
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans2.3411%308
Loan loss allowance to noncurrent loans2,283.0986%504
Noncurrent assets plus other real estate owned to assets0.0685%3,291
Noncurrent loans to loans0.1025%3,241
Net loans and leases to total assets65.2696%1,783
Net loans and leases to deposits71.5995%2,062
Net loans and leases to core deposits79.6786%1,738
Total domestic deposits to total assets91.1594%1,160
Equity capital to assets8.5762%2,703
Core capital (leverage) ratio10.8517%1,708
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$99,511,3333,998
Average earning assets$92,856,0003,981
Average equity$9,726,6674,028
Average total loans$64,489,6673,719
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0645%677
Cost of funding earning assets0.0527%4,582
Net interest margin4.0118%405
Noninterest income to average assets0.5048%2,120
Noninterest expense to average assets2.5855%1,649
Loan and lease loss provision to assets0.3037%204
Net operating income to assets0.9480%2,081
Return on assets (ROA)0.9480%2,072
Pretax return on assets1.3625%1,351
Return on Equity (ROE)9.1057%2,280
Retained earnings to average equity (ytd only)9.1057%1,242
Net charge-offs to loans0.0515%775
Credit loss provision to net charge-offs925.0000%355
Earnings coverage of net charge-offs (x)50.7500%921
Efficiency ratio60.8108%3,397
Assets per employee ($millions)5.7304%3,084
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans2.5326%279
Loan loss allowance to noncurrent loans2,184.5070%517
Noncurrent assets plus other real estate owned to assets0.0729%3,344
Noncurrent loans to loans0.1159%3,248
Net loans and leases to total assets61.2733%1,936
Net loans and leases to deposits68.2780%2,124
Net loans and leases to core deposits72.8131%2,040
Total domestic deposits to total assets89.7409%1,698
Equity capital to assets9.8238%2,035
Core capital (leverage) ratio11.0377%1,497
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$97,466,5004,027
Average earning assets$91,032,0004,014
Average equity$10,147,5004,036
Average total loans$62,114,0003,759
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5357%569
Cost of funding earning assets0.0704%4,587
Net interest margin4.4653%294
Noninterest income to average assets0.8331%1,366
Noninterest expense to average assets2.6446%1,765
Loan and lease loss provision to assets0.3140%252
Net operating income to assets1.5235%972
Return on assets (ROA)1.5301%994
Pretax return on assets2.0628%542
Return on Equity (ROE)14.1008%1,156
Retained earnings to average equity (ytd only)12.6541%449
Net charge-offs to loans-0.0082%3,678
Credit loss provision to net charge-offs-6,000.0000%4,185
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.7557%4,057
Assets per employee ($millions)5.4176%3,338
Cash dividends to net income (ytd only)*10.2599%3,351
Condition Ratios (%)
Loss allowance to loans2.3576%354
Loan loss allowance to noncurrent loans11,423.0769%132
Noncurrent assets plus other real estate owned to assets0.0133%4,009
Noncurrent loans to loans0.0206%3,919
Net loans and leases to total assets63.0680%1,815
Net loans and leases to deposits71.2356%1,987
Net loans and leases to core deposits76.0298%1,919
Total domestic deposits to total assets88.5343%1,773
Equity capital to assets10.9981%1,793
Core capital (leverage) ratio10.5927%1,846
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$95,551,4004,035
Average earning assets$89,445,4004,030
Average equity$10,368,2004,088
Average total loans$61,219,6003,794
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5854%586
Cost of funding earning assets0.0765%4,652
Net interest margin4.5089%308
Noninterest income to average assets0.9383%1,176
Noninterest expense to average assets2.6439%1,721
Loan and lease loss provision to assets0.3156%243
Net operating income to assets1.5761%1,086
Return on assets (ROA)1.5849%1,116
Pretax return on assets2.2049%539
Return on Equity (ROE)14.6573%1,210
Retained earnings to average equity (ytd only)12.7117%681
Net charge-offs to loans-0.0088%3,618
Credit loss provision to net charge-offs-5,625.0000%4,146
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.3065%4,096
Assets per employee ($millions)5.5171%3,181
Cash dividends to net income (ytd only)*13.2743%2,840
Condition Ratios (%)
Loss allowance to loans2.3200%377
Loan loss allowance to noncurrent loans10,057.1429%131
Noncurrent assets plus other real estate owned to assets0.0141%4,126
Noncurrent loans to loans0.0231%4,034
Net loans and leases to total assets59.6951%2,302
Net loans and leases to deposits67.7431%2,461
Net loans and leases to core deposits81.0794%1,644
Total domestic deposits to total assets88.1198%1,764
Equity capital to assets10.6497%2,321
Core capital (leverage) ratio10.2231%2,293
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$95,060,0004,093
Average earning assets$88,859,2504,082
Average equity$10,279,0004,153
Average total loans$60,777,7503,854
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6908%536
Cost of funding earning assets0.0846%4,670
Net interest margin4.6063%304
Noninterest income to average assets0.9440%1,168
Noninterest expense to average assets2.6569%1,701
Loan and lease loss provision to assets0.3182%256
Net operating income to assets1.6203%1,010
Return on assets (ROA)1.6338%1,027
Pretax return on assets2.2895%488
Return on Equity (ROE)15.0295%1,151
Retained earnings to average equity (ytd only)15.0295%424
Net charge-offs to loans-0.0395%4,268
Credit loss provision to net charge-offs-1,241.6667%3,722
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.6309%4,178
Assets per employee ($millions)4.9815%3,672
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans2.1992%426
Loan loss allowance to noncurrent loans8,375.0000%129
Noncurrent assets plus other real estate owned to assets0.0169%4,171
Noncurrent loans to loans0.0263%4,087
Net loans and leases to total assets62.9589%2,068
Net loans and leases to deposits72.2732%2,184
Net loans and leases to core deposits88.0818%1,263
Total domestic deposits to total assets87.1124%2,259
Equity capital to assets10.9932%1,978
Core capital (leverage) ratio10.4253%2,020
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$93,644,0004,130
Average earning assets$87,489,6674,121
Average equity$10,180,0004,179
Average total loans$60,807,0003,880
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4985%776
Cost of funding earning assets0.0922%4,691
Net interest margin4.4063%421
Noninterest income to average assets1.0779%1,015
Noninterest expense to average assets2.5853%1,917
Loan and lease loss provision to assets0.3178%280
Net operating income to assets1.4687%1,398
Return on assets (ROA)1.4687%1,462
Pretax return on assets2.2804%603
Return on Equity (ROE)13.5883%1,518
Retained earnings to average equity (ytd only)13.5883%802
Net charge-offs to loans-0.0198%3,991
Credit loss provision to net charge-offs-2,466.6667%3,588
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.8757%4,190
Assets per employee ($millions)5.2544%3,378
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans2.0272%565
Loan loss allowance to noncurrent loans494.4882%1,193
Noncurrent assets plus other real estate owned to assets0.2686%2,811
Noncurrent loans to loans0.4100%2,638
Net loans and leases to total assets64.1813%2,018
Net loans and leases to deposits73.3869%2,171
Net loans and leases to core deposits82.1908%1,822
Total domestic deposits to total assets87.4560%2,117
Equity capital to assets10.7159%2,067
Core capital (leverage) ratio10.0755%2,464
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$93,141,5004,150
Average earning assets$86,785,0004,135
Average equity$10,067,5004,211
Average total loans$60,745,5003,904
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1215%392
Cost of funding earning assets0.1637%4,692
Net interest margin4.9577%131
Noninterest income to average assets0.9357%1,182
Noninterest expense to average assets2.8581%1,795
Loan and lease loss provision to assets0.4861%529
Net operating income to assets1.6380%589
Return on assets (ROA)1.7888%431
Pretax return on assets2.4182%211
Return on Equity (ROE)16.1464%486
Retained earnings to average equity (ytd only)14.8301%161
Net charge-offs to loans-0.0248%4,483
Credit loss provision to net charge-offs-2,857.1429%4,250
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.2977%4,438
Assets per employee ($millions)5.3944%2,962
Cash dividends to net income (ytd only)*8.1522%3,592
Condition Ratios (%)
Loss allowance to loans1.9804%616
Loan loss allowance to noncurrent loans6,205.2632%174
Noncurrent assets plus other real estate owned to assets0.0207%4,292
Noncurrent loans to loans0.0319%4,184
Net loans and leases to total assets63.6330%2,411
Net loans and leases to deposits72.3179%2,651
Net loans and leases to core deposits93.4771%1,275
Total domestic deposits to total assets87.9907%1,477
Equity capital to assets10.9046%2,335
Core capital (leverage) ratio10.0769%2,533
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$82,291,6004,219
Average earning assets$76,950,6004,203
Average equity$9,116,6004,300
Average total loans$56,356,0003,974
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2103%405
Cost of funding earning assets0.1860%4,713
Net interest margin5.0243%134
Noninterest income to average assets0.9824%1,053
Noninterest expense to average assets2.9238%1,636
Loan and lease loss provision to assets0.5104%567
Net operating income to assets1.6312%676
Return on assets (ROA)1.8380%461
Pretax return on assets2.4969%212
Return on Equity (ROE)16.5168%491
Retained earnings to average equity (ytd only)14.7183%212
Net charge-offs to loans-0.0144%4,319
Credit loss provision to net charge-offs-5,100.0000%4,243
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.5740%4,375
Assets per employee ($millions)5.7667%2,485
Cash dividends to net income (ytd only)*10.8893%3,116
Condition Ratios (%)
Loss allowance to loans1.7906%740
Loan loss allowance to noncurrent loans3,590.0000%224
Noncurrent assets plus other real estate owned to assets0.0325%4,294
Noncurrent loans to loans0.0499%4,174
Net loans and leases to total assets64.0207%2,768
Net loans and leases to deposits71.9971%3,131
Net loans and leases to core deposits96.4534%1,418
Total domestic deposits to total assets88.9213%803
Equity capital to assets10.3786%2,894
Core capital (leverage) ratio9.6069%3,152
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$79,938,5004,252
Average earning assets$74,568,5004,238
Average equity$8,895,7504,342
Average total loans$55,561,7504,012
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1930%577
Cost of funding earning assets0.2210%4,703
Net interest margin4.9720%217
Noninterest income to average assets0.9258%1,110
Noninterest expense to average assets3.0648%1,430
Loan and lease loss provision to assets0.2954%1,457
Net operating income to assets1.6827%637
Return on assets (ROA)2.0098%364
Pretax return on assets2.6085%179
Return on Equity (ROE)17.5799%406
Retained earnings to average equity (ytd only)14.8114%230
Net charge-offs to loans-0.0111%4,228
Credit loss provision to net charge-offs-3,733.3333%4,042
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.1757%4,042
Assets per employee ($millions)4.9564%3,223
Cash dividends to net income (ytd only)*15.7480%2,900
Condition Ratios (%)
Loss allowance to loans1.5259%1,193
Loan loss allowance to noncurrent loans2,588.2353%239
Noncurrent assets plus other real estate owned to assets0.0404%4,337
Noncurrent loans to loans0.0590%4,239
Net loans and leases to total assets67.4017%2,439
Net loans and leases to deposits75.9973%2,866
Net loans and leases to core deposits110.3250%727
Total domestic deposits to total assets88.6896%869
Equity capital to assets10.7834%2,501
Core capital (leverage) ratio11.3024%1,763
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$75,829,0004,310
Average earning assets$70,594,6674,301
Average equity$8,669,0004,379
Average total loans$54,033,3334,058
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3278%525
Cost of funding earning assets0.3070%4,639
Net interest margin5.0208%185
Noninterest income to average assets0.9607%933
Noninterest expense to average assets3.0944%1,654
Loan and lease loss provision to assets0.2737%1,144
Net operating income to assets1.5805%648
Return on assets (ROA)2.2733%176
Pretax return on assets3.1279%78
Return on Equity (ROE)19.2424%201
Retained earnings to average equity (ytd only)19.2424%73
Net charge-offs to loans0.0077%2,289
Credit loss provision to net charge-offs4,900.0000%171
Earnings coverage of net charge-offs (x)452.0000%142
Efficiency ratio55.0696%4,300
Assets per employee ($millions)4.8491%2,816
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.4924%1,371
Loan loss allowance to noncurrent loans2,322.8571%260
Noncurrent assets plus other real estate owned to assets0.0481%4,363
Noncurrent loans to loans0.0642%4,281
Net loans and leases to total assets73.7781%1,648
Net loans and leases to deposits84.4544%2,173
Net loans and leases to core deposits116.4028%576
Total domestic deposits to total assets87.3586%1,400
Equity capital to assets11.9911%2,079
Core capital (leverage) ratio12.1995%1,618
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$71,614,0004,386
Average earning assets$66,443,5004,377
Average equity$8,460,5004,432
Average total loans$52,214,0004,109
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2352%923
Cost of funding earning assets0.4148%4,396
Net interest margin4.8204%382
Noninterest income to average assets1.0677%833
Noninterest expense to average assets3.1078%1,738
Loan and lease loss provision to assets0.2563%701
Net operating income to assets1.7037%650
Return on assets (ROA)1.7106%687
Pretax return on assets2.1881%392
Return on Equity (ROE)15.6505%583
Retained earnings to average equity (ytd only)14.3106%111
Net charge-offs to loans0.0987%1,738
Credit loss provision to net charge-offs380.4348%735
Earnings coverage of net charge-offs (x)36.1522%1,400
Efficiency ratio56.0634%4,190
Assets per employee ($millions)4.6994%2,948
Cash dividends to net income (ytd only)*8.5616%3,788
Condition Ratios (%)
Loss allowance to loans1.5315%1,137
Loan loss allowance to noncurrent loans2,067.5676%308
Noncurrent assets plus other real estate owned to assets0.0525%4,369
Noncurrent loans to loans0.0741%4,230
Net loans and leases to total assets69.7763%2,434
Net loans and leases to deposits79.4245%2,847
Net loans and leases to core deposits117.8418%542
Total domestic deposits to total assets87.8523%1,197
Equity capital to assets11.6313%2,396
Core capital (leverage) ratio11.1760%2,359
Tier 1 risk-based capital ratio14.2170%3,161
Total risk-based capital ratio15.4676%3,074
Memoranda:
Average total assets$68,279,8004,459
Average earning assets$63,397,4004,449
Average equity$7,463,0004,579
Average total loans$46,588,8004,247
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1317%1,204
Cost of funding earning assets0.4324%4,393
Net interest margin4.6993%502
Noninterest income to average assets1.0552%827
Noninterest expense to average assets3.0278%1,901
Loan and lease loss provision to assets0.2579%620
Net operating income to assets1.6278%868
Return on assets (ROA)1.6340%900
Pretax return on assets2.1419%505
Return on Equity (ROE)15.2032%737
Retained earnings to average equity (ytd only)13.3715%241
Net charge-offs to loans0.0262%2,568
Credit loss provision to net charge-offs1,455.5556%256
Earnings coverage of net charge-offs (x)134.9967%588
Efficiency ratio55.8663%4,181
Assets per employee ($millions)4.3289%3,442
Cash dividends to net income (ytd only)*12.0482%3,313
Condition Ratios (%)
Loss allowance to loans1.5426%1,134
Loan loss allowance to noncurrent loans1,645.6522%386
Noncurrent assets plus other real estate owned to assets0.0664%4,381
Noncurrent loans to loans0.0937%4,227
Net loans and leases to total assets69.7559%2,506
Net loans and leases to deposits79.3402%2,969
Net loans and leases to core deposits120.1716%532
Total domestic deposits to total assets87.9200%1,064
Equity capital to assets11.3856%2,752
Core capital (leverage) ratio11.2239%2,444
Tier 1 risk-based capital ratio14.1477%3,257
Total risk-based capital ratio15.3991%3,161
Memoranda:
Average total assets$67,727,0004,521
Average earning assets$62,902,0004,513
Average equity$7,279,0004,660
Average total loans$45,748,2504,319
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1027%1,215
Cost of funding earning assets0.4554%4,304
Net interest margin4.6473%556
Noninterest income to average assets0.9938%882
Noninterest expense to average assets2.9398%2,168
Loan and lease loss provision to assets0.2589%589
Net operating income to assets1.5617%984
Return on assets (ROA)1.5711%1,010
Pretax return on assets2.1186%526
Return on Equity (ROE)14.9223%776
Retained earnings to average equity (ytd only)12.0961%396
Net charge-offs to loans0.0134%2,653
Credit loss provision to net charge-offs2,900.0000%132
Earnings coverage of net charge-offs (x)265.0000%305
Efficiency ratio55.4122%4,323
Assets per employee ($millions)4.3013%3,429
Cash dividends to net income (ytd only)*18.9394%3,057
Condition Ratios (%)
Loss allowance to loans1.5242%1,201
Loan loss allowance to noncurrent loans1,753.6585%381
Noncurrent assets plus other real estate owned to assets0.0596%4,457
Noncurrent loans to loans0.0869%4,291
Net loans and leases to total assets67.4983%2,888
Net loans and leases to deposits76.2037%3,311
Net loans and leases to core deposits122.4187%474
Total domestic deposits to total assets88.5762%843
Equity capital to assets10.8150%3,253
Core capital (leverage) ratio10.5702%3,014
Tier 1 risk-based capital ratio14.5643%3,035
Total risk-based capital ratio15.8157%2,956
Memoranda:
Average total assets$67,215,0004,563
Average earning assets$62,358,6704,551
Average equity$7,076,6704,715
Average total loans$44,640,3304,372
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9137%1,557
Cost of funding earning assets0.4615%4,235
Net interest margin4.4522%811
Noninterest income to average assets0.7830%1,329
Noninterest expense to average assets2.8971%2,287
Loan and lease loss provision to assets0.2590%554
Net operating income to assets1.2287%1,954
Return on assets (ROA)1.2287%2,003
Pretax return on assets1.7527%1,092
Return on Equity (ROE)11.8372%1,596
Retained earnings to average equity (ytd only)11.8372%640
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.0184%3,948
Assets per employee ($millions)4.4499%3,256
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.5233%1,266
Loan loss allowance to noncurrent loans1,442.5532%432
Noncurrent assets plus other real estate owned to assets0.0704%4,465
Noncurrent loans to loans0.1056%4,263
Net loans and leases to total assets65.6669%3,102
Net loans and leases to deposits74.1457%3,438
Net loans and leases to core deposits114.1964%731
Total domestic deposits to total assets88.5646%1,053
Equity capital to assets10.6279%3,225
Core capital (leverage) ratio10.3976%3,169
Tier 1 risk-based capital ratio14.6724%3,023
Total risk-based capital ratio15.9233%2,946
Memoranda:
Average total assets$66,412,0004,633
Average earning assets$61,542,0004,624
Average equity$6,893,5004,775
Average total loans$43,374,5004,447
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7377%1,713
Cost of funding earning assets0.3872%4,067
Net interest margin4.3505%1,033
Noninterest income to average assets0.7823%1,514
Noninterest expense to average assets2.7315%2,926
Loan and lease loss provision to assets0.2235%800
Net operating income to assets1.3921%1,455
Return on assets (ROA)1.3933%1,449
Pretax return on assets1.8642%785
Return on Equity (ROE)15.1089%804
Retained earnings to average equity (ytd only)14.2686%150
Net charge-offs to loans0.1180%1,563
Credit loss provision to net charge-offs312.5000%997
Earnings coverage of net charge-offs (x)29.1667%1,631
Efficiency ratio56.6966%4,321
Assets per employee ($millions)4.7196%2,842
Cash dividends to net income (ytd only)*5.5615%3,931
Condition Ratios (%)
Loss allowance to loans1.5033%1,278
Loan loss allowance to noncurrent loans407.0513%1,289
Noncurrent assets plus other real estate owned to assets0.2361%3,654
Noncurrent loans to loans0.3693%3,215
Net loans and leases to total assets62.9648%3,470
Net loans and leases to deposits70.5236%3,794
Net loans and leases to core deposits99.5454%1,749
Total domestic deposits to total assets89.2819%744
Equity capital to assets10.1294%3,542
Core capital (leverage) ratio10.0208%3,553
Tier 1 risk-based capital ratio14.9011%2,878
Total risk-based capital ratio16.1509%2,811
Memoranda:
Average total assets$67,105,6004,632
Average earning assets$62,245,8004,626
Average equity$6,188,4004,865
Average total loans$40,674,2004,533
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5814%2,033
Cost of funding earning assets0.3614%4,105
Net interest margin4.2200%1,305
Noninterest income to average assets0.7533%1,661
Noninterest expense to average assets2.6483%3,127
Loan and lease loss provision to assets0.2209%751
Net operating income to assets1.2585%2,005
Return on assets (ROA)1.2601%2,005
Pretax return on assets1.8004%1,013
Return on Equity (ROE)14.0533%1,103
Retained earnings to average equity (ytd only)12.9097%374
Net charge-offs to loans0.0428%2,239
Credit loss provision to net charge-offs861.5385%462
Earnings coverage of net charge-offs (x)78.7825%887
Efficiency ratio56.7385%4,285
Assets per employee ($millions)4.1731%3,612
Cash dividends to net income (ytd only)*8.1375%3,445
Condition Ratios (%)
Loss allowance to loans1.4332%1,581
Loan loss allowance to noncurrent loans176.0446%2,458
Noncurrent assets plus other real estate owned to assets0.5377%2,580
Noncurrent loans to loans0.8141%2,078
Net loans and leases to total assets65.0966%3,296
Net loans and leases to deposits75.0211%3,505
Net loans and leases to core deposits113.0959%864
Total domestic deposits to total assets86.7710%1,835
Equity capital to assets9.3979%4,181
Core capital (leverage) ratio9.6958%3,947
Tier 1 risk-based capital ratio13.6262%3,560
Total risk-based capital ratio14.8764%3,469
Memoranda:
Average total assets$67,613,2504,667
Average earning assets$62,716,0004,662
Average equity$6,062,5004,938
Average total loans$40,533,0004,581
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4044%2,398
Cost of funding earning assets0.3383%4,144
Net interest margin4.0661%1,651
Noninterest income to average assets0.7188%1,800
Noninterest expense to average assets2.6836%3,071
Loan and lease loss provision to assets0.2180%755
Net operating income to assets1.1989%2,206
Return on assets (ROA)1.1989%2,204
Pretax return on assets1.5701%1,603
Return on Equity (ROE)13.5855%1,186
Retained earnings to average equity (ytd only)13.5855%315
Net charge-offs to loans-0.0254%4,671
Credit loss provision to net charge-offs-1,480.0000%4,584
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.0132%3,930
Assets per employee ($millions)4.2954%3,430
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.4589%1,525
Loan loss allowance to noncurrent loans118.1467%3,165
Noncurrent assets plus other real estate owned to assets0.7537%1,973
Noncurrent loans to loans1.2349%1,403
Net loans and leases to total assets60.1452%3,790
Net loans and leases to deposits66.4929%4,142
Net loans and leases to core deposits100.4422%1,697
Total domestic deposits to total assets90.4535%418
Equity capital to assets8.9601%4,590
Core capital (leverage) ratio9.8027%3,785
Tier 1 risk-based capital ratio13.9377%3,387
Total risk-based capital ratio15.1872%3,311
Memoranda:
Average total assets$67,894,3304,716
Average earning assets$62,664,6704,717
Average equity$5,991,6705,004
Average total loans$39,345,0004,661
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3504%2,352
Cost of funding earning assets0.3599%3,914
Net interest margin3.9905%1,756
Noninterest income to average assets0.6643%1,982
Noninterest expense to average assets2.6987%3,048
Loan and lease loss provision to assets0.2195%720
Net operating income to assets1.0973%2,432
Return on assets (ROA)1.0973%2,443
Pretax return on assets1.4294%1,904
Return on Equity (ROE)12.6832%1,357
Retained earnings to average equity (ytd only)12.6832%571
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.0737%3,766
Assets per employee ($millions)4.6338%2,958
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.4921%1,489
Loan loss allowance to noncurrent loans93.9044%3,571
Noncurrent assets plus other real estate owned to assets0.8733%1,821
Noncurrent loans to loans1.5889%1,094
Net loans and leases to total assets54.1413%4,271
Net loans and leases to deposits60.1977%4,455
Net loans and leases to core deposits115.2412%752
Total domestic deposits to total assets89.9391%683
Equity capital to assets8.4265%5,029
Core capital (leverage) ratio9.2565%4,371
Tier 1 risk-based capital ratio14.7638%3,003
Total risk-based capital ratio16.0144%2,919
Memoranda:
Average total assets$67,439,0004,787
Average earning assets$62,247,5004,784
Average equity$5,834,5005,081
Average total loans$38,043,5004,746
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2878%2,371
Cost of funding earning assets0.3247%3,916
Net interest margin3.9632%1,873
Noninterest income to average assets0.6922%2,000
Noninterest expense to average assets2.9714%2,241
Loan and lease loss provision to assets0.1946%1,075
Net operating income to assets0.7003%3,606
Return on assets (ROA)0.6922%3,687
Pretax return on assets1.2118%2,723
Return on Equity (ROE)7.7071%2,945
Retained earnings to average equity (ytd only)6.9381%1,103
Net charge-offs to loans0.0366%3,060
Credit loss provision to net charge-offs953.8462%374
Earnings coverage of net charge-offs (x)69.5385%859
Efficiency ratio67.6797%2,960
Assets per employee ($millions)4.0857%3,834
Cash dividends to net income (ytd only)*9.9773%3,944
Condition Ratios (%)
Loss allowance to loans1.4069%1,738
Loan loss allowance to noncurrent loans200.3759%2,282
Noncurrent assets plus other real estate owned to assets0.4069%3,230
Noncurrent loans to loans0.7021%2,451
Net loans and leases to total assets57.1385%4,098
Net loans and leases to deposits63.3482%4,360
Net loans and leases to core deposits153.0005%119
Total domestic deposits to total assets90.1975%501
Equity capital to assets8.8908%4,823
Core capital (leverage) ratio9.4163%4,143
Tier 1 risk-based capital ratio14.2155%3,243
Total risk-based capital ratio15.4639%3,139
Memoranda:
Average total assets$63,706,6004,884
Average earning assets$59,447,6004,870
Average equity$5,722,0005,144
Average total loans$35,549,0004,857
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2441%2,453
Cost of funding earning assets0.2949%4,180
Net interest margin3.9491%1,864
Noninterest income to average assets0.6530%2,191
Noninterest expense to average assets2.8901%2,446
Loan and lease loss provision to assets0.1959%973
Net operating income to assets0.7583%3,704
Return on assets (ROA)0.7583%3,759
Pretax return on assets1.2618%2,659
Return on Equity (ROE)8.4146%2,926
Retained earnings to average equity (ytd only)7.3861%1,501
Net charge-offs to loans0.0420%2,607
Credit loss provision to net charge-offs845.4545%417
Earnings coverage of net charge-offs (x)62.8930%960
Efficiency ratio66.4729%3,127
Assets per employee ($millions)3.7506%4,373
Cash dividends to net income (ytd only)*12.2232%3,399
Condition Ratios (%)
Loss allowance to loans1.3669%2,040
Loan loss allowance to noncurrent loans96.3671%3,592
Noncurrent assets plus other real estate owned to assets0.8203%2,099
Noncurrent loans to loans1.4185%1,316
Net loans and leases to total assets57.0364%4,153
Net loans and leases to deposits63.3925%4,425
Net loans and leases to core deposits142.1474%180
Total domestic deposits to total assets89.9735%485
Equity capital to assets9.1890%4,737
Core capital (leverage) ratio9.3072%4,399
Tier 1 risk-based capital ratio14.7050%3,064
Total risk-based capital ratio15.9531%2,995
Memoranda:
Average total assets$63,295,2504,948
Average earning assets$59,218,5004,929
Average equity$5,704,2505,205
Average total loans$34,969,7504,920
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2198%2,403
Cost of funding earning assets0.2847%4,237
Net interest margin3.9351%1,826
Noninterest income to average assets0.6494%2,206
Noninterest expense to average assets2.9110%2,388
Loan and lease loss provision to assets0.1932%960
Net operating income to assets0.7317%3,697
Return on assets (ROA)0.7317%3,763
Pretax return on assets1.2227%2,688
Return on Equity (ROE)8.1731%2,930
Retained earnings to average equity (ytd only)8.1731%1,091
Net charge-offs to loans0.1107%1,527
Credit loss provision to net charge-offs321.0526%921
Earnings coverage of net charge-offs (x)23.5263%1,679
Efficiency ratio67.2767%3,137
Assets per employee ($millions)3.8352%4,221
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.2870%2,482
Loan loss allowance to noncurrent loans111.0048%3,373
Noncurrent assets plus other real estate owned to assets0.6411%2,637
Noncurrent loans to loans1.1594%1,689
Net loans and leases to total assets54.5867%4,348
Net loans and leases to deposits61.9075%4,509
Net loans and leases to core deposits124.1670%430
Total domestic deposits to total assets88.1747%1,366
Equity capital to assets8.8652%5,023
Core capital (leverage) ratio9.0445%4,678
Tier 1 risk-based capital ratio14.8828%2,979
Total risk-based capital ratio16.0888%2,922
Memoranda:
Average total assets$63,140,0004,993
Average earning assets$59,008,0004,975
Average equity$5,652,6705,246
Average total loans$34,336,0004,973
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0702%2,770
Cost of funding earning assets0.2639%4,416
Net interest margin3.8063%2,091
Noninterest income to average assets0.5603%2,609
Noninterest expense to average assets3.3231%1,340
Loan and lease loss provision to assets0.1932%863
Net operating income to assets0.5732%4,268
Return on assets (ROA)0.5732%4,313
Pretax return on assets0.5732%4,788
Return on Equity (ROE)6.3708%3,730
Retained earnings to average equity (ytd only)6.3708%2,150
Net charge-offs to loans-0.0239%4,833
Credit loss provision to net charge-offs-1,500.0000%4,497
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.2598%1,224
Assets per employee ($millions)3.5611%4,700
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.3556%2,284
Loan loss allowance to noncurrent loans262.4277%1,807
Noncurrent assets plus other real estate owned to assets0.2858%4,065
Noncurrent loans to loans0.5166%3,270
Net loans and leases to total assets54.5714%4,295
Net loans and leases to deposits60.5872%4,527
Net loans and leases to core deposits111.2956%812
Total domestic deposits to total assets90.0709%626
Equity capital to assets9.3163%4,493
Core capital (leverage) ratio9.0785%4,651
Tier 1 risk-based capital ratio15.1102%2,919
Total risk-based capital ratio16.3352%2,858
Memoranda:
Average total assets$62,110,5005,072
Average earning assets$57,589,0005,058
Average equity$5,588,0005,308
Average total loans$33,477,0005,042
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1401%2,698
Cost of funding earning assets0.2342%4,703
Net interest margin3.9059%1,947
Noninterest income to average assets0.7190%2,086
Noninterest expense to average assets3.4022%1,354
Loan and lease loss provision to assets0.1737%1,395
Net operating income to assets0.7568%3,507
Return on assets (ROA)0.7568%3,625
Pretax return on assets0.7568%4,313
Return on Equity (ROE)8.1702%2,850
Retained earnings to average equity (ytd only)7.6132%993
Net charge-offs to loans0.1041%2,229
Credit loss provision to net charge-offs336.6667%900
Earnings coverage of net charge-offs (x)18.0333%1,997
Efficiency ratio78.5232%1,623
Assets per employee ($millions)3.7460%4,401
Cash dividends to net income (ytd only)*6.8182%4,091
Condition Ratios (%)
Loss allowance to loans1.2611%2,753
Loan loss allowance to noncurrent loans21,100.0000%39
Noncurrent assets plus other real estate owned to assets0.0031%5,430
Noncurrent loans to loans0.0060%5,291
Net loans and leases to total assets51.8844%4,619
Net loans and leases to deposits57.1970%4,848
Net loans and leases to core deposits117.8857%551
Total domestic deposits to total assets90.7117%384
Equity capital to assets8.6932%5,110
Core capital (leverage) ratio9.1369%4,573
Tier 1 risk-based capital ratio14.9148%3,003
Total risk-based capital ratio16.0604%2,993
Memoranda:
Average total assets$58,139,0005,186
Average earning assets$53,790,4005,175
Average equity$5,385,4005,394
Average total loans$28,805,2005,234
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0790%2,952
Cost of funding earning assets0.2522%4,583
Net interest margin3.8268%2,240
Noninterest income to average assets0.6695%2,314
Noninterest expense to average assets3.2185%1,732
Loan and lease loss provision to assets0.1785%1,249
Net operating income to assets0.8011%3,362
Return on assets (ROA)0.8011%3,503
Pretax return on assets0.8011%4,304
Return on Equity (ROE)8.5019%2,763
Retained earnings to average equity (ytd only)7.7539%1,281
Net charge-offs to loans0.0048%3,742
Credit loss provision to net charge-offs7,600.0000%72
Earnings coverage of net charge-offs (x)418.0376%216
Efficiency ratio76.6648%1,881
Assets per employee ($millions)3.2022%5,177
Cash dividends to net income (ytd only)*8.7978%3,579
Condition Ratios (%)
Loss allowance to loans1.3524%2,428
Loan loss allowance to noncurrent loans722.0339%788
Noncurrent assets plus other real estate owned to assets0.1024%5,021
Noncurrent loans to loans0.1873%4,595
Net loans and leases to total assets53.9087%4,496
Net loans and leases to deposits60.0120%4,758
Net loans and leases to core deposits100.0161%1,632
Total domestic deposits to total assets89.8300%547
Equity capital to assets9.5975%4,560
Core capital (leverage) ratio8.7243%5,133
Tier 1 risk-based capital ratio15.0604%3,027
Total risk-based capital ratio16.2860%2,969
Memoranda:
Average total assets$56,753,2505,260
Average earning assets$52,331,2505,245
Average equity$5,347,7505,462
Average total loans$27,640,7505,329
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0105%3,203
Cost of funding earning assets0.2671%4,479
Net interest margin3.7434%2,538
Noninterest income to average assets0.7085%2,106
Noninterest expense to average assets3.1918%1,832
Loan and lease loss provision to assets0.1771%1,236
Net operating income to assets0.7652%3,482
Return on assets (ROA)0.7652%3,619
Pretax return on assets0.7652%4,408
Return on Equity (ROE)8.1720%2,897
Retained earnings to average equity (ytd only)8.1720%1,112
Net charge-offs to loans0.0304%2,867
Credit loss provision to net charge-offs1,250.0000%310
Earnings coverage of net charge-offs (x)66.5000%812
Efficiency ratio77.2065%1,894
Assets per employee ($millions)3.4579%4,820
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.4285%2,168
Loan loss allowance to noncurrent loans39,700.0000%16
Noncurrent assets plus other real estate owned to assets0.0017%5,639
Noncurrent loans to loans0.0036%5,503
Net loans and leases to total assets46.6003%5,090
Net loans and leases to deposits51.6741%5,260
Net loans and leases to core deposits60.4898%4,958
Total domestic deposits to total assets90.1812%417
Equity capital to assets9.2881%4,986
Core capital (leverage) ratio8.9261%4,911
Tier 1 risk-based capital ratio16.1097%2,588
Total risk-based capital ratio17.3542%2,534
Memoranda:
Average total assets$56,457,6705,328
Average earning assets$51,664,6705,320
Average equity$5,286,3305,530
Average total loans$26,354,6705,423
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9988%3,222
Cost of funding earning assets0.2782%4,411
Net interest margin3.7206%2,590
Noninterest income to average assets0.6002%2,532
Noninterest expense to average assets3.2178%1,798
Loan and lease loss provision to assets0.1808%1,118
Net operating income to assets0.5857%4,243
Return on assets (ROA)0.5857%4,360
Pretax return on assets0.5857%4,859
Return on Equity (ROE)6.2027%3,874
Retained earnings to average equity (ytd only)6.2027%2,276
Net charge-offs to loans0.0624%1,871
Credit loss provision to net charge-offs625.0000%510
Earnings coverage of net charge-offs (x)26.5000%1,271
Efficiency ratio80.7623%1,517
Assets per employee ($millions)3.3512%5,052
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.4819%2,063
Loan loss allowance to noncurrent loans1,091.1765%539
Noncurrent assets plus other real estate owned to assets0.0597%5,367
Noncurrent loans to loans0.1358%4,934
Net loans and leases to total assets43.2930%5,283
Net loans and leases to deposits48.0284%5,416
Net loans and leases to core deposits55.8907%5,135
Total domestic deposits to total assets90.1404%542
Equity capital to assets9.2856%4,901
Core capital (leverage) ratio8.7483%5,129
Tier 1 risk-based capital ratio17.6510%2,087
Total risk-based capital ratio18.9037%2,048
Memoranda:
Average total assets$55,318,0005,396
Average earning assets$50,315,0005,398
Average equity$5,223,5005,575
Average total loans$25,636,5005,494
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6769%4,435
Cost of funding earning assets0.3020%4,226
Net interest margin3.3749%4,013
Noninterest income to average assets0.6672%2,363
Noninterest expense to average assets3.3618%1,571
Loan and lease loss provision to assets0.1118%2,129
Net operating income to assets0.2758%5,423
Return on assets (ROA)0.3336%5,348
Pretax return on assets0.3336%5,451
Return on Equity (ROE)3.4717%5,150
Retained earnings to average equity (ytd only)3.4717%3,586
Net charge-offs to loans0.0462%3,290
Credit loss provision to net charge-offs600.0000%558
Earnings coverage of net charge-offs (x)20.8000%1,853
Efficiency ratio89.6620%708
Assets per employee ($millions)3.1568%5,343
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.3378%2,716
Loan loss allowance to noncurrent loans398.8636%1,263
Noncurrent assets plus other real estate owned to assets0.1640%4,949
Noncurrent loans to loans0.3354%4,260
Net loans and leases to total assets48.2372%4,998
Net loans and leases to deposits53.7064%5,178
Net loans and leases to core deposits58.4634%5,080
Total domestic deposits to total assets89.8166%708
Equity capital to assets9.6094%4,426
Core capital (leverage) ratio9.0365%4,840
Tier 1 risk-based capital ratio16.5959%2,428
Total risk-based capital ratio17.7791%2,421
Memoranda:
Average total assets$53,661,0005,466
Average earning assets$49,008,4005,461
Average equity$5,156,0005,617
Average total loans$21,658,8005,658
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5071%4,965
Cost of funding earning assets0.3090%4,238
Net interest margin3.1981%4,674
Noninterest income to average assets0.7280%2,119
Noninterest expense to average assets3.3444%1,586
Loan and lease loss provision to assets0.1118%2,016
Net operating income to assets0.2037%5,675
Return on assets (ROA)0.2485%5,656
Pretax return on assets0.2485%5,723
Return on Equity (ROE)2.5860%5,525
Retained earnings to average equity (ytd only)2.5860%4,577
Net charge-offs to loans0.0975%2,178
Credit loss provision to net charge-offs300.0000%959
Earnings coverage of net charge-offs (x)8.4665%2,813
Efficiency ratio91.3781%601
Assets per employee ($millions)3.8501%4,179
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.3568%2,811
Loan loss allowance to noncurrent loans435.5263%1,151
Noncurrent assets plus other real estate owned to assets0.7238%3,093
Noncurrent loans to loans0.3115%4,482
Net loans and leases to total assets41.6685%5,505
Net loans and leases to deposits46.1482%5,643
Net loans and leases to core deposits50.1615%5,573
Total domestic deposits to total assets90.2928%469
Equity capital to assets9.0890%5,222
Core capital (leverage) ratio8.9242%5,087
Tier 1 risk-based capital ratio16.7202%2,470
Total risk-based capital ratio17.8629%2,477
Memoranda:
Average total assets$53,659,7505,536
Average earning assets$49,194,0005,526
Average equity$5,155,7505,686
Average total loans$20,514,0005,771
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4213%5,182
Cost of funding earning assets0.3334%4,005
Net interest margin3.0880%4,991
Noninterest income to average assets0.8069%1,747
Noninterest expense to average assets3.3234%1,638
Loan and lease loss provision to assets0.1147%1,921
Net operating income to assets0.2027%5,685
Return on assets (ROA)0.2027%5,750
Pretax return on assets0.2027%5,811
Return on Equity (ROE)2.0684%5,663
Retained earnings to average equity (ytd only)2.0684%4,668
Net charge-offs to loans0.3850%676
Credit loss provision to net charge-offs81.0811%2,315
Earnings coverage of net charge-offs (x)2.2432%3,382
Efficiency ratio91.2815%671
Assets per employee ($millions)3.2607%5,225
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.3887%2,812
Loan loss allowance to noncurrent loans980.0000%572
Noncurrent assets plus other real estate owned to assets0.6711%3,388
Noncurrent loans to loans0.1417%5,183
Net loans and leases to total assets37.6624%5,750
Net loans and leases to deposits41.9166%5,842
Net loans and leases to core deposits45.4965%5,788
Total domestic deposits to total assets89.8506%730
Equity capital to assets9.3664%4,825
Core capital (leverage) ratio9.2608%4,604
Tier 1 risk-based capital ratio17.8593%2,109
Total risk-based capital ratio18.9538%2,103
Memoranda:
Average total assets$52,296,3305,631
Average earning assets$47,993,0005,607
Average equity$5,124,6705,745
Average total loans$19,220,3305,882
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4520%5,081
Cost of funding earning assets0.3634%3,713
Net interest margin3.0886%4,983
Noninterest income to average assets0.6429%2,437
Noninterest expense to average assets3.5238%1,262
Loan and lease loss provision to assets0.1190%1,738
Net operating income to assets-0.1667%6,131
Return on assets (ROA)-0.1667%6,152
Pretax return on assets-0.1667%6,143
Return on Equity (ROE)-1.7640%6,163
Retained earnings to average equity (ytd only)-1.7640%5,661
Net charge-offs to loans0.3289%735
Credit loss provision to net charge-offs100.0000%1,606
Earnings coverage of net charge-offs (x)-0.4000%3,140
Efficiency ratio101.3699%336
Assets per employee ($millions)3.0121%5,647
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.5886%2,090
Loan loss allowance to noncurrent loans666.6667%776
Noncurrent assets plus other real estate owned to assets0.7558%3,219
Noncurrent loans to loans0.2383%4,922
Net loans and leases to total assets36.2933%5,813
Net loans and leases to deposits40.3027%5,904
Net loans and leases to core deposits44.0442%5,841
Total domestic deposits to total assets90.0518%728
Equity capital to assets9.3624%4,896
Core capital (leverage) ratio9.2588%4,636
Tier 1 risk-based capital ratio18.9999%1,868
Total risk-based capital ratio20.2068%1,844
Memoranda:
Average total assets$50,399,5005,713
Average earning assets$46,234,0005,701
Average equity$4,762,0005,891
Average total loans$18,245,0005,966
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5114%5,288
Cost of funding earning assets0.3643%4,094
Net interest margin3.1472%5,078
Noninterest income to average assets0.9070%1,480
Noninterest expense to average assets3.4251%1,647
Loan and lease loss provision to assets0.1337%1,958
Net operating income to assets0.1783%5,806
Return on assets (ROA)0.1783%5,856
Pretax return on assets0.1783%5,905
Return on Equity (ROE)1.6965%5,842
Retained earnings to average equity (ytd only)1.6965%4,966
Net charge-offs to loans0.1473%2,558
Credit loss provision to net charge-offs240.0000%1,060
Earnings coverage of net charge-offs (x)5.6000%3,390
Efficiency ratio91.6518%729
Assets per employee ($millions)3.3063%5,247
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.7040%1,764
Loan loss allowance to noncurrent loans697.6744%816
Noncurrent assets plus other real estate owned to assets0.7763%3,269
Noncurrent loans to loans0.2442%4,955
Net loans and leases to total assets34.8954%5,998
Net loans and leases to deposits38.8157%6,069
Net loans and leases to core deposits42.5606%6,012
Total domestic deposits to total assets89.9000%775
Equity capital to assets9.5374%4,676
Core capital (leverage) ratio9.4869%4,260
Tier 1 risk-based capital ratio20.3169%1,528
Total risk-based capital ratio21.5675%1,500
Memoranda:
Average total assets$44,875,2005,911
Average earning assets$40,353,8005,910
Average equity$4,715,6005,922
Average total loans$16,967,6006,089
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5245%5,336
Cost of funding earning assets0.3579%4,254
Net interest margin3.1666%5,073
Noninterest income to average assets0.9520%1,359
Noninterest expense to average assets3.3443%1,800
Loan and lease loss provision to assets0.1373%1,819
Net operating income to assets0.3051%5,561
Return on assets (ROA)0.3051%5,640
Pretax return on assets0.3051%5,765
Return on Equity (ROE)2.8296%5,604
Retained earnings to average equity (ytd only)2.8296%4,592
Net charge-offs to loans0.2777%1,414
Credit loss provision to net charge-offs128.5714%1,796
Earnings coverage of net charge-offs (x)4.1425%3,530
Efficiency ratio88.3159%974
Assets per employee ($millions)3.1513%5,513
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.6848%2,018
Loan loss allowance to noncurrent loans305.5556%1,506
Noncurrent assets plus other real estate owned to assets0.9139%3,156
Noncurrent loans to loans0.5514%4,270
Net loans and leases to total assets33.9483%6,115
Net loans and leases to deposits37.9802%6,185
Net loans and leases to core deposits41.8621%6,122
Total domestic deposits to total assets89.3842%1,035
Equity capital to assets10.0637%4,089
Core capital (leverage) ratio9.7280%4,030
Tier 1 risk-based capital ratio24.6507%909
Total risk-based capital ratio25.9029%900
Memoranda:
Average total assets$43,695,5006,006
Average earning assets$39,115,2506,015
Average equity$4,712,0005,990
Average total loans$16,808,0006,156
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5450%5,299
Cost of funding earning assets0.3645%4,265
Net interest margin3.1804%5,006
Noninterest income to average assets0.9364%1,375
Noninterest expense to average assets3.3879%1,703
Loan and lease loss provision to assets0.1412%1,751
Net operating income to assets0.2400%5,736
Return on assets (ROA)0.2400%5,807
Pretax return on assets0.2400%5,894
Return on Equity (ROE)2.1716%5,801
Retained earnings to average equity (ytd only)2.1716%4,803
Net charge-offs to loans0.3771%1,078
Credit loss provision to net charge-offs93.7500%2,117
Earnings coverage of net charge-offs (x)2.5313%3,528
Efficiency ratio89.8876%928
Assets per employee ($millions)3.0307%5,715
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.5742%2,568
Loan loss allowance to noncurrent loans309.4118%1,478
Noncurrent assets plus other real estate owned to assets0.9393%3,192
Noncurrent loans to loans0.5088%4,473
Net loans and leases to total assets36.1717%6,041
Net loans and leases to deposits40.6386%6,126
Net loans and leases to core deposits44.9880%6,033
Total domestic deposits to total assets89.0082%1,344
Equity capital to assets10.4067%3,552
Core capital (leverage) ratio10.9402%2,477
Tier 1 risk-based capital ratio26.0569%769
Total risk-based capital ratio27.3114%752
Memoranda:
Average total assets$42,504,3306,091
Average earning assets$37,856,3306,115
Average equity$4,697,0006,037
Average total loans$16,970,0006,202
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5925%5,190
Cost of funding earning assets0.3724%4,286
Net interest margin3.2201%4,859
Noninterest income to average assets0.8970%1,398
Noninterest expense to average assets3.5782%1,348
Loan and lease loss provision to assets0.1462%1,663
Net operating income to assets0.0390%6,149
Return on assets (ROA)0.0390%6,170
Pretax return on assets0.0390%6,169
Return on Equity (ROE)0.3419%6,171
Retained earnings to average equity (ytd only)0.3419%5,434
Net charge-offs to loans0.2105%1,490
Credit loss provision to net charge-offs166.6667%1,168
Earnings coverage of net charge-offs (x)2.1111%2,949
Efficiency ratio95.0777%694
Assets per employee ($millions)3.0443%5,786
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.5501%2,927
Loan loss allowance to noncurrent loans64.5238%4,683
Noncurrent assets plus other real estate owned to assets0.9198%3,431
Noncurrent loans to loans2.4023%1,461
Net loans and leases to total assets37.6927%5,963
Net loans and leases to deposits42.2858%6,061
Net loans and leases to core deposits46.7756%5,949
Total domestic deposits to total assets89.1381%1,566
Equity capital to assets10.2597%3,526
Core capital (leverage) ratio11.4339%2,018
Tier 1 risk-based capital ratio26.8060%724
Total risk-based capital ratio28.0579%713
Memoranda:
Average total assets$41,026,0006,202
Average earning assets$36,520,5006,222
Average equity$4,680,0006,075
Average total loans$17,101,5006,253
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7248%5,049
Cost of funding earning assets0.4189%4,445
Net interest margin3.3059%4,645
Noninterest income to average assets0.9308%1,581
Noninterest expense to average assets3.5777%1,487
Loan and lease loss provision to assets0.0621%3,896
Net operating income to assets0.2509%5,690
Return on assets (ROA)0.2509%5,761
Pretax return on assets0.2509%5,845
Return on Equity (ROE)2.0066%5,837
Retained earnings to average equity (ytd only)2.0066%4,805
Net charge-offs to loans-0.0068%5,971
Credit loss provision to net charge-offs-2,300.0000%6,329
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.9556%882
Assets per employee ($millions)2.4259%6,449
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.5849%2,818
Loan loss allowance to noncurrent loans64.1646%4,710
Noncurrent assets plus other real estate owned to assets1.1350%3,129
Noncurrent loans to loans2.4701%1,541
Net loans and leases to total assets45.2210%5,560
Net loans and leases to deposits52.3029%5,599
Net loans and leases to core deposits57.6176%5,420
Total domestic deposits to total assets86.4598%3,016
Equity capital to assets12.8476%1,347
Core capital (leverage) ratio12.5044%1,361
Tier 1 risk-based capital ratio23.0310%1,092
Total risk-based capital ratio24.2803%1,072
Memoranda:
Average total assets$37,063,2006,362
Average earning assets$33,183,0006,369
Average equity$4,634,8006,160
Average total loans$14,632,6006,434
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6087%5,416
Cost of funding earning assets0.4199%4,616
Net interest margin3.1888%5,031
Noninterest income to average assets0.9705%1,537
Noninterest expense to average assets3.4593%1,698
Loan and lease loss provision to assets0.0824%3,420
Net operating income to assets0.3116%5,579
Return on assets (ROA)0.3116%5,690
Pretax return on assets0.3116%5,843
Return on Equity (ROE)2.5082%5,779
Retained earnings to average equity (ytd only)2.5082%4,816
Net charge-offs to loans-0.0189%6,028
Credit loss provision to net charge-offs-1,150.0000%6,209
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.7770%1,014
Assets per employee ($millions)2.5115%6,465
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.7247%2,539
Loan loss allowance to noncurrent loans61.2903%4,773
Noncurrent assets plus other real estate owned to assets1.1520%3,354
Noncurrent loans to loans2.8140%1,481
Net loans and leases to total assets40.2341%6,015
Net loans and leases to deposits46.5381%6,062
Net loans and leases to core deposits51.0853%5,942
Total domestic deposits to total assets86.4541%2,986
Equity capital to assets12.3912%1,642
Core capital (leverage) ratio11.8398%1,783
Tier 1 risk-based capital ratio24.3199%953
Total risk-based capital ratio25.5730%933
Memoranda:
Average total assets$37,232,0006,428
Average earning assets$33,658,2506,429
Average equity$4,624,7506,238
Average total loans$14,110,7506,518
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5025%5,690
Cost of funding earning assets0.4149%4,812
Net interest margin3.0877%5,306
Noninterest income to average assets0.8844%1,875
Noninterest expense to average assets3.4191%1,781
Loan and lease loss provision to assets0.1079%2,993
Net operating income to assets0.1672%5,983
Return on assets (ROA)0.1672%6,099
Pretax return on assets0.1672%6,133
Return on Equity (ROE)1.3448%6,134
Retained earnings to average equity (ytd only)1.3448%5,350
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.5547%858
Assets per employee ($millions)2.5510%6,451
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.8680%2,200
Loan loss allowance to noncurrent loans49.9044%5,210
Noncurrent assets plus other real estate owned to assets1.6255%2,669
Noncurrent loans to loans3.7432%1,089
Net loans and leases to total assets35.8317%6,314
Net loans and leases to deposits41.3268%6,352
Net loans and leases to core deposits45.2762%6,268
Total domestic deposits to total assets86.7033%2,995
Equity capital to assets12.0711%1,867
Core capital (leverage) ratio11.8755%1,686
Tier 1 risk-based capital ratio26.6875%718
Total risk-based capital ratio27.9402%707
Memoranda:
Average total assets$37,085,3306,484
Average earning assets$33,747,0006,474
Average equity$4,610,3306,294
Average total loans$13,673,3306,574
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6452%5,324
Cost of funding earning assets0.4159%4,952
Net interest margin3.2293%4,805
Noninterest income to average assets0.7891%2,168
Noninterest expense to average assets3.4196%1,786
Loan and lease loss provision to assets0.1096%2,872
Net operating income to assets0.1534%6,031
Return on assets (ROA)0.1534%6,128
Pretax return on assets0.1534%6,166
Return on Equity (ROE)1.2158%6,171
Retained earnings to average equity (ytd only)1.2158%5,364
Net charge-offs to loans-0.0592%6,209
Credit loss provision to net charge-offs-500.0000%5,464
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.8571%914
Assets per employee ($millions)3.1034%5,817
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.8984%2,307
Loan loss allowance to noncurrent loans58.4296%4,793
Noncurrent assets plus other real estate owned to assets1.3187%3,320
Noncurrent loans to loans3.2490%1,502
Net loans and leases to total assets32.4063%6,494
Net loans and leases to deposits36.8375%6,542
Net loans and leases to core deposits40.0994%6,478
Total domestic deposits to total assets87.9709%2,331
Equity capital to assets11.4292%2,482
Core capital (leverage) ratio11.9403%1,604
Tier 1 risk-based capital ratio27.6095%664
Total risk-based capital ratio28.8623%651
Memoranda:
Average total assets$36,495,5006,561
Average earning assets$32,700,5006,562
Average equity$4,606,0006,365
Average total loans$13,524,0006,638
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7862%5,862
Cost of funding earning assets0.4688%5,427
Net interest margin3.3174%5,195
Noninterest income to average assets0.6809%2,832
Noninterest expense to average assets3.3178%2,283
Loan and lease loss provision to assets0.2028%3,113
Net operating income to assets0.1333%5,933
Return on assets (ROA)0.1565%6,039
Pretax return on assets0.1565%6,059
Return on Equity (ROE)1.6195%5,999
Retained earnings to average equity (ytd only)1.6195%5,059
Net charge-offs to loans0.0547%5,167
Credit loss provision to net charge-offs1,000.0000%252
Earnings coverage of net charge-offs (x)16.5714%1,572
Efficiency ratio90.8010%1,004
Assets per employee ($millions)2.7206%6,404
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.7564%2,737
Loan loss allowance to noncurrent loans61.3232%4,615
Noncurrent assets plus other real estate owned to assets1.5070%3,130
Noncurrent loans to loans2.8642%1,831
Net loans and leases to total assets41.2902%6,068
Net loans and leases to deposits48.4526%6,076
Net loans and leases to core deposits54.0519%5,869
Total domestic deposits to total assets85.2176%3,756
Equity capital to assets14.0932%1,009
Core capital (leverage) ratio12.6253%1,267
Tier 1 risk-based capital ratio27.2830%671
Total risk-based capital ratio28.5365%658
Memoranda:
Average total assets$34,510,8006,646
Average earning assets$30,928,0006,641
Average equity$3,334,4006,721
Average total loans$12,797,2006,746
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7417%6,146
Cost of funding earning assets0.4709%5,628
Net interest margin3.2708%5,484
Noninterest income to average assets0.6404%3,041
Noninterest expense to average assets3.2097%2,540
Loan and lease loss provision to assets0.2630%2,470
Net operating income to assets0.1067%6,114
Return on assets (ROA)0.1372%6,204
Pretax return on assets0.1372%6,218
Return on Equity (ROE)1.5906%6,131
Retained earnings to average equity (ytd only)1.5906%5,542
Net charge-offs to loans-0.0742%6,794
Credit loss provision to net charge-offs-985.7143%6,532
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.6699%1,068
Assets per employee ($millions)3.0695%5,926
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.8678%2,589
Loan loss allowance to noncurrent loans213.4454%1,679
Noncurrent assets plus other real estate owned to assets0.2982%5,954
Noncurrent loans to loans0.8751%4,673
Net loans and leases to total assets33.4428%6,686
Net loans and leases to deposits38.0384%6,751
Net loans and leases to core deposits41.4351%6,687
Total domestic deposits to total assets87.9185%2,093
Equity capital to assets11.4725%2,778
Core capital (leverage) ratio12.0653%1,617
Tier 1 risk-based capital ratio27.6835%692
Total risk-based capital ratio28.9363%675
Memoranda:
Average total assets$34,976,7506,717
Average earning assets$31,429,0006,708
Average equity$3,017,7506,863
Average total loans$12,566,2506,845
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6440%6,425
Cost of funding earning assets0.4753%5,795
Net interest margin3.1687%5,824
Noninterest income to average assets0.6420%2,993
Noninterest expense to average assets3.3659%2,112
Loan and lease loss provision to assets0.3420%1,924
Net operating income to assets-0.1860%6,524
Return on assets (ROA)-0.1380%6,567
Pretax return on assets-0.1380%6,545
Return on Equity (ROE)-1.8417%6,609
Retained earnings to average equity (ytd only)-1.8417%6,339
Net charge-offs to loans0.6546%1,688
Credit loss provision to net charge-offs142.5000%1,950
Earnings coverage of net charge-offs (x)0.6500%4,737
Efficiency ratio95.5707%721
Assets per employee ($millions)2.3451%6,867
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.4839%4,088
Loan loss allowance to noncurrent loans36.2454%5,861
Noncurrent assets plus other real estate owned to assets1.7647%3,084
Noncurrent loans to loans4.0941%1,337
Net loans and leases to total assets42.4654%6,156
Net loans and leases to deposits50.5151%6,144
Net loans and leases to core deposits59.5000%5,647
Total domestic deposits to total assets84.0648%4,293
Equity capital to assets8.2103%6,442
Core capital (leverage) ratio6.7102%6,887
Tier 1 risk-based capital ratio15.2526%3,598
Total risk-based capital ratio16.4437%3,600
Memoranda:
Average total assets$33,334,3306,800
Average earning assets$30,296,3306,790
Average equity$2,497,6707,016
Average total loans$12,222,0006,914
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4223%6,779
Cost of funding earning assets0.4388%6,213
Net interest margin2.9835%6,324
Noninterest income to average assets0.4718%4,132
Noninterest expense to average assets3.4179%1,958
Loan and lease loss provision to assets0.2187%2,752
Net operating income to assets-0.4258%6,787
Return on assets (ROA)-0.4258%6,820
Pretax return on assets-0.4258%6,794
Return on Equity (ROE)-5.9319%6,883
Retained earnings to average equity (ytd only)-5.9319%6,651
Net charge-offs to loans0.6121%1,563
Credit loss provision to net charge-offs105.5556%2,189
Earnings coverage of net charge-offs (x)-1.0000%4,553
Efficiency ratio106.4516%401
Assets per employee ($millions)3.5992%4,881
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.4903%4,210
Loan loss allowance to noncurrent loans117.7632%2,655
Noncurrent assets plus other real estate owned to assets0.3839%5,918
Noncurrent loans to loans1.2655%4,213
Net loans and leases to total assets29.8856%6,912
Net loans and leases to deposits32.0703%7,010
Net loans and leases to core deposits34.7703%6,973
Total domestic deposits to total assets93.1878%132
Equity capital to assets6.2640%7,042
Core capital (leverage) ratio7.3816%6,696
Tier 1 risk-based capital ratio14.4497%4,146
Total risk-based capital ratio15.4926%4,258
Memoranda:
Average total assets$34,758,5006,827
Average earning assets$31,908,5006,798
Average equity$2,495,0007,066
Average total loans$11,762,5006,995
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3795%5,498
Cost of funding earning assets0.3923%6,910
Net interest margin3.9872%2,949
Noninterest income to average assets1.1683%964
Noninterest expense to average assets4.3197%707
Loan and lease loss provision to assets0.2308%3,893
Net operating income to assets0.1731%5,666
Return on assets (ROA)0.1731%5,810
Pretax return on assets0.1731%5,850
Return on Equity (ROE)1.9208%5,690
Retained earnings to average equity (ytd only)1.9208%4,839
Net charge-offs to loans0.4730%3,099
Credit loss provision to net charge-offs116.3636%2,784
Earnings coverage of net charge-offs (x)2.0364%4,254
Efficiency ratio91.4504%1,081
Assets per employee ($millions)2.4938%6,836
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.5459%3,808
Loan loss allowance to noncurrent loans89.4472%3,349
Noncurrent assets plus other real estate owned to assets0.6650%5,321
Noncurrent loans to loans1.7283%3,573
Net loans and leases to total assets37.8801%6,651
Net loans and leases to deposits41.6504%6,807
Net loans and leases to core deposits43.6975%6,824
Total domestic deposits to total assets90.9477%529
Equity capital to assets8.3874%6,262
Core capital (leverage) ratio8.8437%5,029
Tier 1 risk-based capital ratio17.8574%2,245
Total risk-based capital ratio19.1061%2,218
Memoranda:
Average total assets$27,733,2007,036
Average earning assets$24,729,0007,020
Average equity$2,499,0007,118
Average total loans$11,627,4007,050
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5092%5,229
Cost of funding earning assets0.3656%7,097
Net interest margin4.1436%2,294
Noninterest income to average assets1.2212%884
Noninterest expense to average assets4.4582%598
Loan and lease loss provision to assets0.1667%4,392
Net operating income to assets0.2649%5,527
Return on assets (ROA)0.2649%5,680
Pretax return on assets0.2649%5,780
Return on Equity (ROE)2.8843%5,466
Retained earnings to average equity (ytd only)2.8843%4,629
Net charge-offs to loans0.4347%2,981
Credit loss provision to net charge-offs89.4737%3,784
Earnings coverage of net charge-offs (x)2.3156%3,968
Efficiency ratio91.1735%1,093
Assets per employee ($millions)2.6097%6,771
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.4083%4,520
Loan loss allowance to noncurrent loans181.3187%1,691
Noncurrent assets plus other real estate owned to assets0.3170%6,280
Noncurrent loans to loans0.7767%5,323
Net loans and leases to total assets40.2376%6,608
Net loans and leases to deposits44.4611%6,813
Net loans and leases to core deposits46.7519%6,813
Total domestic deposits to total assets90.5006%636
Equity capital to assets8.8167%5,963
Core capital (leverage) ratio9.6773%3,877
Tier 1 risk-based capital ratio18.0517%2,232
Total risk-based capital ratio19.2327%2,224
Memoranda:
Average total assets$27,185,0007,115
Average earning assets$24,068,7507,110
Average equity$2,496,2507,188
Average total loans$11,655,7507,117
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4409%5,555
Cost of funding earning assets0.3320%7,259
Net interest margin4.1089%2,374
Noninterest income to average assets1.1695%928
Noninterest expense to average assets4.5431%568
Loan and lease loss provision to assets0.1799%4,120
Net operating income to assets0.1574%5,862
Return on assets (ROA)0.1574%5,961
Pretax return on assets0.1574%6,007
Return on Equity (ROE)1.6904%5,892
Retained earnings to average equity (ytd only)1.6904%5,149
Net charge-offs to loans0.6360%2,247
Credit loss provision to net charge-offs64.8649%4,207
Earnings coverage of net charge-offs (x)1.2162%4,375
Efficiency ratio93.0876%1,035
Assets per employee ($millions)2.4243%7,000
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.3000%5,064
Loan loss allowance to noncurrent loans283.6364%1,109
Noncurrent assets plus other real estate owned to assets0.2062%6,596
Noncurrent loans to loans0.4583%5,996
Net loans and leases to total assets44.4144%6,403
Net loans and leases to deposits49.3767%6,646
Net loans and leases to core deposits52.1395%6,654
Total domestic deposits to total assets89.9501%1,003
Equity capital to assets9.4086%4,960
Core capital (leverage) ratio9.8314%3,476
Tier 1 risk-based capital ratio18.2967%2,074
Total risk-based capital ratio19.4430%2,064
Memoranda:
Average total assets$26,677,6707,193
Average earning assets$24,094,0007,173
Average equity$2,484,6707,248
Average total loans$11,635,6707,183
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3338%5,903
Cost of funding earning assets0.3347%7,341
Net interest margin3.9992%2,682
Noninterest income to average assets1.2292%840
Noninterest expense to average assets4.5722%554
Loan and lease loss provision to assets0.1499%4,144
Net operating income to assets0.0899%6,122
Return on assets (ROA)0.0899%6,172
Pretax return on assets0.0899%6,194
Return on Equity (ROE)0.9707%6,143
Retained earnings to average equity (ytd only)0.9707%5,441
Net charge-offs to loans0.2794%2,948
Credit loss provision to net charge-offs125.0000%2,194
Earnings coverage of net charge-offs (x)2.0000%3,306
Efficiency ratio95.0156%980
Assets per employee ($millions)2.4609%7,040
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4963%4,230
Loan loss allowance to noncurrent loans185.8696%1,594
Noncurrent assets plus other real estate owned to assets0.3399%6,349
Noncurrent loans to loans0.8050%5,422
Net loans and leases to total assets41.5848%6,660
Net loans and leases to deposits46.1163%6,838
Net loans and leases to core deposits48.6453%6,849
Total domestic deposits to total assets90.1736%1,044
Equity capital to assets9.1540%4,950
Core capital (leverage) ratio9.7395%3,472
Tier 1 risk-based capital ratio18.5393%1,950
Total risk-based capital ratio19.7903%1,902
Memoranda:
Average total assets$26,683,0007,242
Average earning assets$23,905,0007,231
Average equity$2,472,5007,300
Average total loans$11,453,5007,252
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7525%5,609
Cost of funding earning assets0.3817%7,446
Net interest margin4.3707%1,587
Noninterest income to average assets1.1196%1,176
Noninterest expense to average assets4.4221%704
Loan and lease loss provision to assets0.2818%4,553
Net operating income to assets0.2442%5,123
Return on assets (ROA)0.2442%5,279
Pretax return on assets0.2442%5,371
Return on Equity (ROE)2.6668%5,100
Retained earnings to average equity (ytd only)2.6668%3,992
Net charge-offs to loans0.2155%5,000
Credit loss provision to net charge-offs312.5000%846
Earnings coverage of net charge-offs (x)5.8333%2,522
Efficiency ratio89.3698%1,374
Assets per employee ($millions)2.3905%7,139
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.4723%4,171
Loan loss allowance to noncurrent loans169.0000%1,768
Noncurrent assets plus other real estate owned to assets0.3803%6,322
Noncurrent loans to loans0.8712%5,322
Net loans and leases to total assets43.0103%6,792
Net loans and leases to deposits47.8002%6,957
Net loans and leases to core deposits54.1226%6,804
Total domestic deposits to total assets89.9795%1,116
Equity capital to assets9.3817%4,568
Core capital (leverage) ratio10.1848%2,882
Tier 1 risk-based capital ratio17.8745%2,041
Total risk-based capital ratio19.0980%2,010
Memoranda:
Average total assets$26,616,2007,301
Average earning assets$23,314,2007,312
Average equity$2,437,4007,413
Average total loans$11,136,0007,343
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7162%5,961
Cost of funding earning assets0.3997%7,571
Net interest margin4.3165%1,789
Noninterest income to average assets1.0738%1,243
Noninterest expense to average assets4.4250%647
Loan and lease loss provision to assets0.2747%4,389
Net operating income to assets0.1498%5,640
Return on assets (ROA)0.1498%5,797
Pretax return on assets0.1498%5,834
Return on Equity (ROE)1.6461%5,720
Retained earnings to average equity (ytd only)1.6461%5,130
Net charge-offs to loans0.1086%5,449
Credit loss provision to net charge-offs611.1111%480
Earnings coverage of net charge-offs (x)9.4442%2,023
Efficiency ratio91.2461%1,191
Assets per employee ($millions)2.0843%7,479
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.4998%3,965
Loan loss allowance to noncurrent loans277.9661%1,054
Noncurrent assets plus other real estate owned to assets0.2359%6,777
Noncurrent loans to loans0.5396%6,125
Net loans and leases to total assets43.0651%6,900
Net loans and leases to deposits48.2161%7,078
Net loans and leases to core deposits51.1031%7,082
Total domestic deposits to total assets89.3167%1,221
Equity capital to assets9.9756%4,185
Core capital (leverage) ratio10.1820%3,059
Tier 1 risk-based capital ratio17.3078%2,240
Total risk-based capital ratio18.4740%2,231
Memoranda:
Average total assets$26,696,2507,393
Average earning assets$23,351,5007,402
Average equity$2,430,0007,510
Average total loans$11,050,2507,442
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5524%6,585
Cost of funding earning assets0.3926%7,660
Net interest margin4.1598%2,292
Noninterest income to average assets1.0566%1,201
Noninterest expense to average assets4.3437%686
Loan and lease loss provision to assets0.2568%4,368
Net operating income to assets0.1101%5,836
Return on assets (ROA)0.1101%5,942
Pretax return on assets0.1101%5,957
Return on Equity (ROE)1.2457%5,880
Retained earnings to average equity (ytd only)1.2457%5,254
Net charge-offs to loans0.2886%3,894
Credit loss provision to net charge-offs218.7500%1,779
Earnings coverage of net charge-offs (x)3.1250%3,439
Efficiency ratio92.2118%1,175
Assets per employee ($millions)2.1668%7,466
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.2637%5,113
Loan loss allowance to noncurrent loans153.9326%1,817
Noncurrent assets plus other real estate owned to assets0.3423%6,566
Noncurrent loans to loans0.8210%5,635
Net loans and leases to total assets41.1661%7,088
Net loans and leases to deposits45.7847%7,257
Net loans and leases to core deposits53.2034%7,076
Total domestic deposits to total assets89.9123%958
Equity capital to assets9.4416%4,799
Core capital (leverage) ratio10.0157%3,146
Tier 1 risk-based capital ratio17.6750%2,046
Total risk-based capital ratio18.6760%2,085
Memoranda:
Average total assets$27,258,0007,438
Average earning assets$23,943,6707,441
Average equity$2,408,3307,570
Average total loans$11,088,6707,498
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3567%7,059
Cost of funding earning assets0.3739%7,785
Net interest margin3.9828%2,943
Noninterest income to average assets0.7746%2,152
Noninterest expense to average assets4.1311%870
Loan and lease loss provision to assets0.2295%4,205
Net operating income to assets-0.0717%6,399
Return on assets (ROA)-0.0717%6,479
Pretax return on assets-0.0717%6,429
Return on Equity (ROE)-0.8386%6,507
Retained earnings to average equity (ytd only)-0.8386%6,018
Net charge-offs to loans0.4638%2,654
Credit loss provision to net charge-offs123.0769%2,844
Earnings coverage of net charge-offs (x)0.8462%4,288
Efficiency ratio96.3211%1,008
Assets per employee ($millions)2.5986%7,039
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.0962%6,022
Loan loss allowance to noncurrent loans96.8000%2,867
Noncurrent assets plus other real estate owned to assets0.4009%6,472
Noncurrent loans to loans1.1325%5,097
Net loans and leases to total assets35.0095%7,467
Net loans and leases to deposits38.1260%7,576
Net loans and leases to core deposits42.2125%7,519
Total domestic deposits to total assets91.8257%281
Equity capital to assets7.6324%6,975
Core capital (leverage) ratio10.0900%3,054
Tier 1 risk-based capital ratio16.6193%2,405
Total risk-based capital ratio17.4576%2,519
Memoranda:
Average total assets$27,886,0007,508
Average earning assets$24,605,5007,511
Average equity$2,385,0007,669
Average total loans$11,212,5007,582
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9941%6,454
Cost of funding earning assets0.5631%7,791
Net interest margin4.4310%1,343
Noninterest income to average assets1.1318%1,204
Noninterest expense to average assets5.0909%487
Loan and lease loss provision to assets0.6461%3,219
Net operating income to assets-0.6808%6,343
Return on assets (ROA)-0.6808%6,343
Pretax return on assets-0.6808%6,172
Return on Equity (ROE)-6.2406%6,329
Retained earnings to average equity (ytd only)-6.2406%6,175
Net charge-offs to loans1.3396%1,861
Credit loss provision to net charge-offs102.7586%5,373
Earnings coverage of net charge-offs (x)-0.0552%6,276
Efficiency ratio100.6861%1,072
Assets per employee ($millions)2.2354%7,541
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.0363%6,192
Loan loss allowance to noncurrent loans472.0000%701
Noncurrent assets plus other real estate owned to assets0.1017%7,243
Noncurrent loans to loans0.2195%6,880
Net loans and leases to total assets45.8294%6,996
Net loans and leases to deposits51.1205%7,198
Net loans and leases to core deposits56.4551%7,390
Total domestic deposits to total assets89.6498%1,134
Equity capital to assets9.7198%4,121
Core capital (leverage) ratio10.7586%2,381
Tier 1 risk-based capital ratio18.8327%1,694
Total risk-based capital ratio19.7571%1,715
Memoranda:
Average total assets$23,060,8007,698
Average earning assets$20,424,2007,696
Average equity$2,515,8007,728
Average total loans$10,824,0007,663
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9658%6,715
Cost of funding earning assets0.5892%7,891
Net interest margin4.3765%1,504
Noninterest income to average assets1.1699%1,147
Noninterest expense to average assets5.0266%477
Loan and lease loss provision to assets0.8172%2,329
Net operating income to assets-0.7878%6,681
Return on assets (ROA)-0.7878%6,685
Pretax return on assets-0.7878%6,535
Return on Equity (ROE)-7.0138%6,660
Retained earnings to average equity (ytd only)-7.0138%6,507
Net charge-offs to loans1.7722%1,138
Credit loss provision to net charge-offs97.8873%5,222
Earnings coverage of net charge-offs (x)0.0352%6,017
Efficiency ratio99.4186%1,088
Assets per employee ($millions)2.1073%7,709
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.0432%6,045
Loan loss allowance to noncurrent loans326.4706%937
Noncurrent assets plus other real estate owned to assets0.1467%7,176
Noncurrent loans to loans0.3195%6,719
Net loans and leases to total assets45.4228%7,145
Net loans and leases to deposits51.1514%7,352
Net loans and leases to core deposits56.8981%7,514
Total domestic deposits to total assets88.8007%1,290
Equity capital to assets10.5608%3,440
Core capital (leverage) ratio10.4047%2,876
Tier 1 risk-based capital ratio19.3063%1,683
Total risk-based capital ratio20.1893%1,721
Memoranda:
Average total assets$22,678,7507,779
Average earning assets$20,137,5007,780
Average equity$2,547,2507,792
Average total loans$10,683,2507,746
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8637%7,110
Cost of funding earning assets0.6256%7,972
Net interest margin4.2381%1,854
Noninterest income to average assets1.2438%992
Noninterest expense to average assets5.0729%490
Loan and lease loss provision to assets0.5242%2,925
Net operating income to assets-0.6219%6,677
Return on assets (ROA)-0.6219%6,681
Pretax return on assets-0.6219%6,546
Return on Equity (ROE)-5.4257%6,654
Retained earnings to average equity (ytd only)-5.4257%6,362
Net charge-offs to loans0.1496%4,693
Credit loss provision to net charge-offs737.5000%642
Earnings coverage of net charge-offs (x)-1.3750%6,303
Efficiency ratio101.9643%1,096
Assets per employee ($millions)2.5253%7,204
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.4307%3,568
Loan loss allowance to noncurrent loans92.6966%3,090
Noncurrent assets plus other real estate owned to assets0.6408%5,817
Noncurrent loans to loans1.5434%4,182
Net loans and leases to total assets40.9245%7,508
Net loans and leases to deposits45.2278%7,666
Net loans and leases to core deposits49.7397%7,767
Total domestic deposits to total assets90.4853%636
Equity capital to assets9.0251%5,280
Core capital (leverage) ratio10.9422%2,450
Tier 1 risk-based capital ratio17.7946%2,072
Total risk-based capital ratio18.9738%2,037
Memoranda:
Average total assets$22,511,6707,864
Average earning assets$19,820,3307,868
Average equity$2,580,3307,864
Average total loans$10,697,6707,830
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3980%5,437
Cost of funding earning assets0.7446%7,963
Net interest margin4.6535%860
Noninterest income to average assets1.0866%1,264
Noninterest expense to average assets5.4531%372
Loan and lease loss provision to assets0.2213%4,239
Net operating income to assets-0.5634%6,937
Return on assets (ROA)-0.5634%6,984
Pretax return on assets-0.5634%6,869
Return on Equity (ROE)-4.2797%6,914
Retained earnings to average equity (ytd only)-4.2797%6,459
Net charge-offs to loans0.1167%4,035
Credit loss provision to net charge-offs366.6667%1,389
Earnings coverage of net charge-offs (x)-5.6667%5,578
Efficiency ratio106.6929%910
Assets per employee ($millions)2.2577%7,638
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1165%5,350
Loan loss allowance to noncurrent loans1,109.0909%372
Noncurrent assets plus other real estate owned to assets0.0443%7,474
Noncurrent loans to loans0.1007%7,243
Net loans and leases to total assets43.5071%7,381
Net loans and leases to deposits48.7282%7,549
Net loans and leases to core deposits54.2938%7,671
Total domestic deposits to total assets89.2853%1,103
Equity capital to assets10.4691%3,491
Core capital (leverage) ratio13.7133%1,262
Tier 1 risk-based capital ratio20.3081%1,561
Total risk-based capital ratio21.2669%1,574
Memoranda:
Average total assets$19,878,5007,981
Average earning assets$17,191,5007,985
Average equity$2,617,0007,897
Average total loans$10,280,0007,898
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1414%4,822
Cost of funding earning assets1.0404%8,037
Net interest margin5.1009%407
Noninterest income to average assets1.4691%657
Noninterest expense to average assets6.1618%383
Loan and lease loss provision to assets0.4978%2,822
Net operating income to assets-0.9045%7,189
Return on assets (ROA)-0.8074%7,043
Pretax return on assets-0.8074%6,883
Return on Equity (ROE)-5.0023%6,868
Retained earnings to average equity (ytd only)-5.0023%6,515
Net charge-offs to loans0.3384%3,140
Credit loss provision to net charge-offs328.0000%1,379
Earnings coverage of net charge-offs (x)-2.6800%6,746
Efficiency ratio107.0675%782
Assets per employee ($millions)1.3565%8,193
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.1834%4,677
Loan loss allowance to noncurrent loans518.1818%842
Noncurrent assets plus other real estate owned to assets0.1474%6,982
Noncurrent loans to loans0.2284%6,705
Net loans and leases to total assets63.7917%5,315
Net loans and leases to deposits82.2945%4,683
Net loans and leases to core deposits93.7833%5,463
Total domestic deposits to total assets77.5164%5,870
Equity capital to assets17.6518%696
Core capital (leverage) ratio14.6321%1,112
Tier 1 risk-based capital ratio25.3640%957
Total risk-based capital ratio26.4706%951
Memoranda:
Average total assets$16,472,4008,125
Average earning assets$13,840,6008,145
Average equity$2,658,8007,939
Average total loans$7,388,4008,062