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ESB Bank, Performance and Condition Ratios

2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2336%921
Cost of funding earning assets1.6540%228
Net interest margin3.5795%3,340
Noninterest income to average assets0.5851%2,218
Noninterest expense to average assets2.3639%3,835
Loan and lease loss provision to assets0.0864%2,115
Net operating income to assets1.4583%1,269
Return on assets (ROA)1.4367%1,379
Pretax return on assets1.4367%2,081
Return on Equity (ROE)14.6777%833
Retained earnings to average equity (ytd only)8.3321%1,269
Net charge-offs to loans-0.0024%3,993
Credit loss provision to net charge-offs-4,800.0000%4,484
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.7881%3,763
Assets per employee ($millions)5.8691%1,644
Cash dividends to net income (ytd only)*43.2331%2,085
Condition Ratios (%)
Loss allowance to loans1.2345%2,336
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.6733%633
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets75.5463%1,620
Net loans and leases to deposits93.2191%1,352
Net loans and leases to core deposits94.8245%2,174
Total domestic deposits to total assets81.0417%3,796
Equity capital to assets10.1307%3,854
Core capital (leverage) ratio9.7709%3,860
Tier 1 risk-based capital ratio12.4318%4,167
Total risk-based capital ratio13.6418%4,067
Memoranda:
Average total assets$111,088,3303,883
Average earning assets$103,141,6703,884
Average equity$10,873,6704,191
Average total loans$82,589,6703,603
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2038%907
Cost of funding earning assets1.6374%201
Net interest margin3.5664%3,373
Noninterest income to average assets0.5736%2,162
Noninterest expense to average assets2.4099%3,747
Loan and lease loss provision to assets0.0866%1,977
Net operating income to assets1.3853%1,419
Return on assets (ROA)1.3853%1,452
Pretax return on assets1.3853%2,136
Return on Equity (ROE)14.4063%879
Retained earnings to average equity (ytd only)8.2911%1,553
Net charge-offs to loans-0.0049%4,022
Credit loss provision to net charge-offs-2,400.0000%4,105
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3383%3,635
Assets per employee ($millions)5.7978%1,700
Cash dividends to net income (ytd only)*42.4479%1,851
Condition Ratios (%)
Loss allowance to loans1.2887%2,140
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets2.0879%444
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets71.5484%2,243
Net loans and leases to deposits88.0302%1,866
Net loans and leases to core deposits89.5465%2,548
Total domestic deposits to total assets81.2771%3,911
Equity capital to assets9.8712%3,942
Core capital (leverage) ratio9.6847%3,933
Tier 1 risk-based capital ratio12.7707%3,999
Total risk-based capital ratio14.0130%3,902
Memoranda:
Average total assets$110,876,0003,923
Average earning assets$102,847,5003,925
Average equity$10,662,0004,245
Average total loans$81,236,0003,668
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8432%1,440
Cost of funding earning assets1.3312%193
Net interest margin3.5120%3,664
Noninterest income to average assets0.7323%1,721
Noninterest expense to average assets2.2714%4,188
Loan and lease loss provision to assets0.0907%2,333
Net operating income to assets1.6629%750
Return on assets (ROA)1.6629%747
Pretax return on assets1.6629%1,268
Return on Equity (ROE)17.3875%448
Retained earnings to average equity (ytd only)7.3008%1,537
Net charge-offs to loans0.0114%3,296
Credit loss provision to net charge-offs1,066.6667%366
Earnings coverage of net charge-offs (x)206.2222%444
Efficiency ratio55.8920%4,421
Assets per employee ($millions)5.8733%1,611
Cash dividends to net income (ytd only)*58.0114%1,587
Condition Ratios (%)
Loss allowance to loans1.1934%2,604
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets2.0163%472
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets74.4868%1,842
Net loans and leases to deposits91.7846%1,574
Net loans and leases to core deposits93.0422%2,311
Total domestic deposits to total assets81.1538%3,857
Equity capital to assets9.3644%4,250
Core capital (leverage) ratio9.4429%4,180
Tier 1 risk-based capital ratio12.0319%4,411
Total risk-based capital ratio13.1992%4,349
Memoranda:
Average total assets$105,836,6004,006
Average earning assets$99,232,0003,989
Average equity$10,122,2004,279
Average total loans$78,945,6003,688
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7064%1,659
Cost of funding earning assets1.2409%202
Net interest margin3.4655%3,818
Noninterest income to average assets0.7203%1,790
Noninterest expense to average assets2.1673%4,395
Loan and lease loss provision to assets0.0920%2,140
Net operating income to assets1.7139%719
Return on assets (ROA)1.7139%723
Pretax return on assets1.7139%1,241
Return on Equity (ROE)17.8212%442
Retained earnings to average equity (ytd only)4.2627%3,640
Net charge-offs to loans0.0189%2,768
Credit loss provision to net charge-offs654.5455%557
Earnings coverage of net charge-offs (x)128.5133%623
Efficiency ratio54.0662%4,609
Assets per employee ($millions)5.6419%1,783
Cash dividends to net income (ytd only)*76.0805%665
Condition Ratios (%)
Loss allowance to loans1.1979%2,638
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets2.0989%492
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets75.2474%1,774
Net loans and leases to deposits92.0558%1,618
Net loans and leases to core deposits93.3600%2,366
Total domestic deposits to total assets81.7411%3,682
Equity capital to assets9.2745%4,304
Core capital (leverage) ratio9.4053%4,272
Tier 1 risk-based capital ratio11.8937%4,558
Total risk-based capital ratio13.0658%4,487
Memoranda:
Average total assets$104,397,5004,065
Average earning assets$97,991,2504,044
Average equity$10,040,2504,330
Average total loans$77,650,5003,743
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6114%1,747
Cost of funding earning assets1.1894%188
Net interest margin3.4220%3,891
Noninterest income to average assets0.8389%1,354
Noninterest expense to average assets2.1901%4,395
Loan and lease loss provision to assets0.0715%2,459
Net operating income to assets1.7861%596
Return on assets (ROA)1.7861%600
Pretax return on assets1.7861%996
Return on Equity (ROE)18.3461%385
Retained earnings to average equity (ytd only)10.5629%771
Net charge-offs to loans0.0288%2,280
Credit loss provision to net charge-offs336.3636%928
Earnings coverage of net charge-offs (x)87.3636%768
Efficiency ratio53.7249%4,719
Assets per employee ($millions)5.7766%1,653
Cash dividends to net income (ytd only)*42.4242%2,007
Condition Ratios (%)
Loss allowance to loans1.2047%2,683
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets2.1639%463
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets74.3746%1,887
Net loans and leases to deposits90.8188%1,732
Net loans and leases to core deposits92.7589%2,329
Total domestic deposits to total assets81.8935%3,750
Equity capital to assets9.8712%3,750
Core capital (leverage) ratio9.7105%3,869
Tier 1 risk-based capital ratio12.6126%4,121
Total risk-based capital ratio13.7870%4,057
Memoranda:
Average total assets$103,464,3304,122
Average earning assets$97,020,6704,094
Average equity$10,073,0004,371
Average total loans$76,320,3303,796
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3682%2,302
Cost of funding earning assets1.1269%195
Net interest margin3.2413%4,335
Noninterest income to average assets0.7441%1,643
Noninterest expense to average assets2.1588%4,510
Loan and lease loss provision to assets0.0930%1,961
Net operating income to assets1.5580%938
Return on assets (ROA)1.5580%948
Pretax return on assets1.5580%1,505
Return on Equity (ROE)16.1163%599
Retained earnings to average equity (ytd only)10.0226%1,144
Net charge-offs to loans0.0637%1,471
Credit loss provision to net charge-offs200.0000%1,039
Earnings coverage of net charge-offs (x)35.5000%1,133
Efficiency ratio56.6633%4,500
Assets per employee ($millions)6.2437%1,344
Cash dividends to net income (ytd only)*37.8109%1,907
Condition Ratios (%)
Loss allowance to loans1.2141%2,724
Loan loss allowance to noncurrent loans20.7135%4,914
Noncurrent assets plus other real estate owned to assets4.2254%140
Noncurrent loans to loans5.8613%106
Net loans and leases to total assets71.2152%2,295
Net loans and leases to deposits87.2088%2,030
Net loans and leases to core deposits89.0247%2,536
Total domestic deposits to total assets81.6606%4,049
Equity capital to assets9.4090%4,175
Core capital (leverage) ratio9.7997%3,759
Tier 1 risk-based capital ratio12.2688%4,396
Total risk-based capital ratio13.4274%4,344
Memoranda:
Average total assets$103,207,0004,172
Average earning assets$97,615,0004,135
Average equity$9,977,5004,428
Average total loans$75,342,0003,856
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3581%2,156
Cost of funding earning assets0.9928%225
Net interest margin3.3653%3,951
Noninterest income to average assets0.6597%2,140
Noninterest expense to average assets2.1634%4,616
Loan and lease loss provision to assets0.0988%2,251
Net operating income to assets1.5757%682
Return on assets (ROA)1.5582%720
Pretax return on assets1.5582%1,424
Return on Equity (ROE)15.5864%532
Retained earnings to average equity (ytd only)4.2621%2,604
Net charge-offs to loans0.0128%3,635
Credit loss provision to net charge-offs1,066.6667%338
Earnings coverage of net charge-offs (x)180.7778%427
Efficiency ratio56.3690%4,727
Assets per employee ($millions)5.8983%1,587
Cash dividends to net income (ytd only)*72.6552%1,133
Condition Ratios (%)
Loss allowance to loans1.2364%2,558
Loan loss allowance to noncurrent loans22.8223%4,941
Noncurrent assets plus other real estate owned to assets4.0071%148
Noncurrent loans to loans5.4176%113
Net loans and leases to total assets73.0500%2,085
Net loans and leases to deposits90.6288%1,693
Net loans and leases to core deposits92.6557%2,310
Total domestic deposits to total assets80.6036%4,219
Equity capital to assets9.9411%3,770
Core capital (leverage) ratio9.9053%3,575
Tier 1 risk-based capital ratio12.8744%3,990
Total risk-based capital ratio14.0870%3,907
Memoranda:
Average total assets$97,160,8004,285
Average earning assets$91,760,4004,252
Average equity$9,713,6004,495
Average total loans$70,400,2003,952
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2925%2,285
Cost of funding earning assets0.9680%230
Net interest margin3.3244%4,091
Noninterest income to average assets0.6128%2,404
Noninterest expense to average assets1.9768%5,006
Loan and lease loss provision to assets0.0996%2,119
Net operating income to assets1.6766%609
Return on assets (ROA)1.6572%650
Pretax return on assets1.6572%1,227
Return on Equity (ROE)16.5522%477
Retained earnings to average equity (ytd only)1.3540%4,865
Net charge-offs to loans0.0154%3,216
Credit loss provision to net charge-offs900.0000%383
Earnings coverage of net charge-offs (x)160.4461%514
Efficiency ratio52.6723%5,048
Assets per employee ($millions)6.0316%1,470
Cash dividends to net income (ytd only)*91.8199%418
Condition Ratios (%)
Loss allowance to loans1.2307%2,738
Loan loss allowance to noncurrent loans22.0741%5,044
Noncurrent assets plus other real estate owned to assets4.1966%155
Noncurrent loans to loans5.5752%124
Net loans and leases to total assets74.3467%1,866
Net loans and leases to deposits92.6942%1,460
Net loans and leases to core deposits94.8609%2,185
Total domestic deposits to total assets80.2064%4,275
Equity capital to assets10.1227%3,775
Core capital (leverage) ratio9.7758%3,849
Tier 1 risk-based capital ratio12.7196%4,193
Total risk-based capital ratio13.9267%4,112
Memoranda:
Average total assets$96,383,2504,341
Average earning assets$91,041,0004,307
Average equity$9,650,0004,547
Average total loans$69,459,0004,007
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2014%2,469
Cost of funding earning assets0.9266%261
Net interest margin3.2748%4,191
Noninterest income to average assets0.5999%2,456
Noninterest expense to average assets1.9223%5,149
Loan and lease loss provision to assets0.0996%2,023
Net operating income to assets1.6670%603
Return on assets (ROA)1.6649%630
Pretax return on assets1.6649%1,141
Return on Equity (ROE)16.6904%440
Retained earnings to average equity (ytd only)7.5960%1,315
Net charge-offs to loans0.0234%2,759
Credit loss provision to net charge-offs600.0000%566
Earnings coverage of net charge-offs (x)106.3750%627
Efficiency ratio52.1103%5,167
Assets per employee ($millions)6.4171%1,199
Cash dividends to net income (ytd only)*54.4888%1,689
Condition Ratios (%)
Loss allowance to loans1.2330%2,805
Loan loss allowance to noncurrent loans20.0970%5,113
Noncurrent assets plus other real estate owned to assets4.4973%135
Noncurrent loans to loans6.1354%97
Net loans and leases to total assets72.3979%2,136
Net loans and leases to deposits90.6287%1,651
Net loans and leases to core deposits92.8233%2,266
Total domestic deposits to total assets79.8841%4,437
Equity capital to assets10.4678%3,387
Core capital (leverage) ratio10.0684%3,445
Tier 1 risk-based capital ratio13.3887%3,757
Total risk-based capital ratio14.5912%3,702
Memoranda:
Average total assets$96,342,3304,369
Average earning assets$90,874,6704,335
Average equity$9,610,3304,574
Average total loans$68,397,6704,050
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0708%2,766
Cost of funding earning assets0.8698%335
Net interest margin3.2010%4,343
Noninterest income to average assets0.6184%2,332
Noninterest expense to average assets1.9298%5,183
Loan and lease loss provision to assets0.0996%1,896
Net operating income to assets1.5978%680
Return on assets (ROA)1.5936%700
Pretax return on assets1.5936%1,256
Return on Equity (ROE)16.3796%477
Retained earnings to average equity (ytd only)7.5073%1,648
Net charge-offs to loans0.0475%1,901
Credit loss provision to net charge-offs300.0000%777
Earnings coverage of net charge-offs (x)51.1250%885
Efficiency ratio53.2037%5,188
Assets per employee ($millions)6.4161%1,225
Cash dividends to net income (ytd only)*54.1667%1,569
Condition Ratios (%)
Loss allowance to loans1.2377%2,900
Loan loss allowance to noncurrent loans18.7127%5,204
Noncurrent assets plus other real estate owned to assets4.6976%132
Noncurrent loans to loans6.6145%88
Net loans and leases to total assets70.1406%2,355
Net loans and leases to deposits87.1098%1,902
Net loans and leases to core deposits89.1872%2,434
Total domestic deposits to total assets80.5197%4,519
Equity capital to assets9.8783%3,900
Core capital (leverage) ratio9.9295%3,589
Tier 1 risk-based capital ratio13.3611%3,854
Total risk-based capital ratio14.5512%3,809
Memoranda:
Average total assets$96,385,0004,418
Average earning assets$90,596,5004,380
Average equity$9,377,5004,644
Average total loans$67,317,5004,105
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1624%2,617
Cost of funding earning assets0.9792%193
Net interest margin3.1832%4,489
Noninterest income to average assets0.6864%2,238
Noninterest expense to average assets2.1003%4,997
Loan and lease loss provision to assets0.0846%2,662
Net operating income to assets1.5165%802
Return on assets (ROA)1.4203%995
Pretax return on assets1.4203%1,861
Return on Equity (ROE)14.0787%761
Retained earnings to average equity (ytd only)1.0588%4,892
Net charge-offs to loans-0.0428%5,352
Credit loss provision to net charge-offs-296.2963%5,070
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.7429%4,981
Assets per employee ($millions)6.0331%1,456
Cash dividends to net income (ytd only)*92.4795%517
Condition Ratios (%)
Loss allowance to loans1.2522%2,800
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets67.8086%2,806
Net loans and leases to deposits83.9317%2,425
Net loans and leases to core deposits85.9204%2,857
Total domestic deposits to total assets80.7902%4,391
Equity capital to assets9.5805%4,186
Core capital (leverage) ratio9.5578%4,017
Tier 1 risk-based capital ratio14.1050%3,407
Total risk-based capital ratio15.3548%3,324
Memoranda:
Average total assets$94,557,0004,455
Average earning assets$89,562,8004,395
Average equity$9,539,2004,654
Average total loans$63,141,0004,197
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0120%3,184
Cost of funding earning assets0.9803%186
Net interest margin3.0318%4,952
Noninterest income to average assets0.6237%2,557
Noninterest expense to average assets2.0666%5,071
Loan and lease loss provision to assets0.0794%2,629
Net operating income to assets1.3579%1,150
Return on assets (ROA)1.3565%1,231
Pretax return on assets1.3565%2,208
Return on Equity (ROE)13.2748%975
Retained earnings to average equity (ytd only)-3.9533%5,692
Net charge-offs to loans-0.0556%5,400
Credit loss provision to net charge-offs-215.3846%4,883
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.9806%4,688
Assets per employee ($millions)6.0386%1,405
Cash dividends to net income (ytd only)*129.7805%181
Condition Ratios (%)
Loss allowance to loans1.2118%3,167
Loan loss allowance to noncurrent loans62.5000%4,439
Noncurrent assets plus other real estate owned to assets1.3331%1,418
Noncurrent loans to loans1.9389%1,023
Net loans and leases to total assets67.9218%2,812
Net loans and leases to deposits85.3790%2,326
Net loans and leases to core deposits87.4322%2,810
Total domestic deposits to total assets79.5533%4,602
Equity capital to assets9.6815%4,484
Core capital (leverage) ratio9.3713%4,371
Tier 1 risk-based capital ratio13.3331%3,962
Total risk-based capital ratio14.5343%3,899
Memoranda:
Average total assets$94,064,0004,503
Average earning assets$89,362,5004,442
Average equity$9,612,0004,693
Average total loans$62,355,0004,244
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9215%3,539
Cost of funding earning assets0.9781%189
Net interest margin2.9434%5,183
Noninterest income to average assets0.6029%2,605
Noninterest expense to average assets2.1070%5,041
Loan and lease loss provision to assets0.0687%2,765
Net operating income to assets1.2359%1,482
Return on assets (ROA)1.2509%1,532
Pretax return on assets1.2509%2,598
Return on Equity (ROE)12.0231%1,316
Retained earnings to average equity (ytd only)4.5576%3,010
Net charge-offs to loans-0.0853%5,566
Credit loss provision to net charge-offs-123.0769%4,634
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7610%4,381
Assets per employee ($millions)5.8361%1,520
Cash dividends to net income (ytd only)*62.0926%1,450
Condition Ratios (%)
Loss allowance to loans1.2050%3,330
Loan loss allowance to noncurrent loans50.7472%4,790
Noncurrent assets plus other real estate owned to assets1.6481%1,099
Noncurrent loans to loans2.3745%756
Net loans and leases to total assets68.5740%2,696
Net loans and leases to deposits85.2591%2,327
Net loans and leases to core deposits87.7381%2,751
Total domestic deposits to total assets80.4301%4,436
Equity capital to assets10.6396%3,484
Core capital (leverage) ratio10.1573%3,380
Tier 1 risk-based capital ratio14.6052%3,255
Total risk-based capital ratio15.8133%3,216
Memoranda:
Average total assets$93,213,0004,553
Average earning assets$88,945,3304,486
Average equity$9,698,0004,704
Average total loans$60,997,0004,311
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8515%3,762
Cost of funding earning assets0.9651%204
Net interest margin2.8864%5,348
Noninterest income to average assets0.5884%2,600
Noninterest expense to average assets2.0831%5,147
Loan and lease loss provision to assets0.0344%3,203
Net operating income to assets1.2584%1,383
Return on assets (ROA)1.2670%1,442
Pretax return on assets1.2670%2,439
Return on Equity (ROE)12.3180%1,212
Retained earnings to average equity (ytd only)4.2591%3,351
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7048%4,485
Assets per employee ($millions)5.8055%1,575
Cash dividends to net income (ytd only)*65.4237%1,296
Condition Ratios (%)
Loss allowance to loans1.2085%3,431
Loan loss allowance to noncurrent loans48.9618%4,855
Noncurrent assets plus other real estate owned to assets1.6579%1,183
Noncurrent loans to loans2.4682%770
Net loans and leases to total assets64.3334%3,203
Net loans and leases to deposits79.7656%2,825
Net loans and leases to core deposits81.7953%3,148
Total domestic deposits to total assets80.6530%4,590
Equity capital to assets10.4373%3,572
Core capital (leverage) ratio10.1578%3,358
Tier 1 risk-based capital ratio15.0977%3,108
Total risk-based capital ratio16.2815%3,078
Memoranda:
Average total assets$93,130,5004,594
Average earning assets$89,940,0004,502
Average equity$9,579,5004,746
Average total loans$59,088,5004,406
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8160%3,995
Cost of funding earning assets1.0151%163
Net interest margin2.8009%5,510
Noninterest income to average assets0.6273%2,579
Noninterest expense to average assets1.8123%5,719
Loan and lease loss provision to assets0.0166%4,080
Net operating income to assets1.4953%872
Return on assets (ROA)1.4633%958
Pretax return on assets1.4633%1,671
Return on Equity (ROE)14.5572%756
Retained earnings to average equity (ytd only)6.0536%1,767
Net charge-offs to loans0.0089%4,143
Credit loss provision to net charge-offs300.0000%982
Earnings coverage of net charge-offs (x)273.8000%266
Efficiency ratio54.5183%5,488
Assets per employee ($millions)5.8358%1,507
Cash dividends to net income (ytd only)*58.4151%1,824
Condition Ratios (%)
Loss allowance to loans1.2533%3,148
Loan loss allowance to noncurrent loans354.4118%1,413
Noncurrent assets plus other real estate owned to assets0.2185%4,723
Noncurrent loans to loans0.3536%4,190
Net loans and leases to total assets61.0080%3,691
Net loans and leases to deposits75.3246%3,339
Net loans and leases to core deposits77.2229%3,639
Total domestic deposits to total assets80.9934%4,485
Equity capital to assets10.1357%3,822
Core capital (leverage) ratio10.0163%3,486
Tier 1 risk-based capital ratio15.9467%2,714
Total risk-based capital ratio17.1970%2,648
Memoranda:
Average total assets$90,547,6004,657
Average earning assets$87,185,0004,554
Average equity$9,102,0004,823
Average total loans$56,399,2004,490
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7913%4,114
Cost of funding earning assets1.0238%161
Net interest margin2.7676%5,636
Noninterest income to average assets0.5669%2,936
Noninterest expense to average assets1.7675%5,825
Loan and lease loss provision to assets0.0223%3,830
Net operating income to assets1.4410%1,025
Return on assets (ROA)1.3980%1,159
Pretax return on assets1.3980%2,020
Return on Equity (ROE)13.9374%924
Retained earnings to average equity (ytd only)6.4805%1,971
Net charge-offs to loans0.0166%3,621
Credit loss provision to net charge-offs214.2857%1,262
Earnings coverage of net charge-offs (x)140.9035%489
Efficiency ratio54.7083%5,461
Assets per employee ($millions)6.5009%1,065
Cash dividends to net income (ytd only)*53.5029%1,723
Condition Ratios (%)
Loss allowance to loans1.2345%3,462
Loan loss allowance to noncurrent loans344.9761%1,423
Noncurrent assets plus other real estate owned to assets0.2296%4,846
Noncurrent loans to loans0.3579%4,330
Net loans and leases to total assets63.3767%3,397
Net loans and leases to deposits78.7250%3,016
Net loans and leases to core deposits80.4904%3,392
Total domestic deposits to total assets80.5039%4,602
Equity capital to assets10.2656%3,860
Core capital (leverage) ratio9.9267%3,733
Tier 1 risk-based capital ratio15.5639%3,019
Total risk-based capital ratio16.7960%2,956
Memoranda:
Average total assets$89,841,2504,730
Average earning assets$86,475,7504,626
Average equity$9,011,5004,899
Average total loans$56,077,0004,536
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7835%4,122
Cost of funding earning assets1.0232%156
Net interest margin2.7603%5,690
Noninterest income to average assets0.5634%2,952
Noninterest expense to average assets1.7619%5,905
Loan and lease loss provision to assets0.0335%3,445
Net operating income to assets1.4220%1,050
Return on assets (ROA)1.3795%1,173
Pretax return on assets1.3795%2,066
Return on Equity (ROE)13.8636%932
Retained earnings to average equity (ytd only)5.5724%2,491
Net charge-offs to loans-0.0108%4,950
Credit loss provision to net charge-offs-500.0000%5,206
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.7603%5,524
Assets per employee ($millions)6.5375%1,037
Cash dividends to net income (ytd only)*59.8055%1,540
Condition Ratios (%)
Loss allowance to loans1.2751%3,368
Loan loss allowance to noncurrent loans336.8664%1,458
Noncurrent assets plus other real estate owned to assets0.2371%4,933
Noncurrent loans to loans0.3785%4,350
Net loans and leases to total assets61.8410%3,575
Net loans and leases to deposits76.2752%3,235
Net loans and leases to core deposits77.9561%3,575
Total domestic deposits to total assets81.0762%4,592
Equity capital to assets9.8301%4,244
Core capital (leverage) ratio9.8074%3,853
Tier 1 risk-based capital ratio15.4969%3,106
Total risk-based capital ratio16.7463%3,054
Memoranda:
Average total assets$89,450,6704,781
Average earning assets$86,004,3304,678
Average equity$8,901,0004,965
Average total loans$55,302,0004,606
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7001%4,364
Cost of funding earning assets1.0074%176
Net interest margin2.6927%5,815
Noninterest income to average assets0.5836%2,746
Noninterest expense to average assets1.6875%6,026
Loan and lease loss provision to assets0.0679%2,584
Net operating income to assets1.4161%1,004
Return on assets (ROA)1.5247%852
Pretax return on assets1.5247%1,480
Return on Equity (ROE)15.2265%682
Retained earnings to average equity (ytd only)7.3196%1,849
Net charge-offs to loans-0.0074%4,612
Credit loss provision to net charge-offs-1,500.0000%5,045
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.2097%5,734
Assets per employee ($millions)6.8764%906
Cash dividends to net income (ytd only)*51.9288%1,667
Condition Ratios (%)
Loss allowance to loans1.3205%3,303
Loan loss allowance to noncurrent loans329.8643%1,442
Noncurrent assets plus other real estate owned to assets0.2472%4,953
Noncurrent loans to loans0.4003%4,390
Net loans and leases to total assets60.9410%3,532
Net loans and leases to deposits74.5392%3,232
Net loans and leases to core deposits76.2023%3,575
Total domestic deposits to total assets81.7570%4,583
Equity capital to assets10.0746%4,054
Core capital (leverage) ratio10.0563%3,527
Tier 1 risk-based capital ratio16.0014%2,922
Total risk-based capital ratio17.2516%2,853
Memoranda:
Average total assets$88,413,5004,853
Average earning assets$84,971,5004,749
Average equity$8,853,0005,022
Average total loans$54,287,5004,662
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9764%3,809
Cost of funding earning assets1.0691%163
Net interest margin2.9073%5,631
Noninterest income to average assets0.6246%2,714
Noninterest expense to average assets1.7800%6,093
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets1.6366%659
Return on assets (ROA)1.6242%707
Pretax return on assets1.6242%1,163
Return on Equity (ROE)17.8500%412
Retained earnings to average equity (ytd only)8.6271%791
Net charge-offs to loans0.0132%4,628
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)207.0000%256
Efficiency ratio52.0992%5,975
Assets per employee ($millions)6.7257%942
Cash dividends to net income (ytd only)*51.6690%2,181
Condition Ratios (%)
Loss allowance to loans1.3360%3,249
Loan loss allowance to noncurrent loans315.4867%1,564
Noncurrent assets plus other real estate owned to assets0.2585%4,997
Noncurrent loans to loans0.4235%4,370
Net loans and leases to total assets60.2237%3,757
Net loans and leases to deposits73.7045%3,472
Net loans and leases to core deposits75.3876%3,779
Total domestic deposits to total assets81.7096%4,522
Equity capital to assets9.9504%4,176
Core capital (leverage) ratio9.9358%3,667
Tier 1 risk-based capital ratio14.9925%3,491
Total risk-based capital ratio16.2254%3,434
Memoranda:
Average total assets$88,537,2004,878
Average earning assets$85,027,2004,758
Average equity$8,056,0005,189
Average total loans$53,197,6004,717
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9382%4,016
Cost of funding earning assets1.0810%163
Net interest margin2.8572%5,783
Noninterest income to average assets0.5750%3,029
Noninterest expense to average assets1.7565%6,149
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.5643%819
Return on assets (ROA)1.5478%880
Pretax return on assets1.5478%1,490
Return on Equity (ROE)17.4114%506
Retained earnings to average equity (ytd only)9.4403%860
Net charge-offs to loans-0.0151%5,541
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.8933%5,933
Assets per employee ($millions)6.6591%938
Cash dividends to net income (ytd only)*45.7810%2,056
Condition Ratios (%)
Loss allowance to loans1.3193%3,553
Loan loss allowance to noncurrent loans307.6271%1,497
Noncurrent assets plus other real estate owned to assets0.2726%5,171
Noncurrent loans to loans0.4289%4,620
Net loans and leases to total assets62.7276%3,381
Net loans and leases to deposits76.8367%3,086
Net loans and leases to core deposits78.8987%3,452
Total domestic deposits to total assets81.6376%4,614
Equity capital to assets9.7565%4,476
Core capital (leverage) ratio9.7333%4,021
Tier 1 risk-based capital ratio14.3265%4,009
Total risk-based capital ratio15.5453%3,950
Memoranda:
Average total assets$88,813,0004,920
Average earning assets$85,350,7504,808
Average equity$7,895,0005,264
Average total loans$53,154,7504,764
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9315%4,007
Cost of funding earning assets1.0811%163
Net interest margin2.8504%5,817
Noninterest income to average assets0.5605%3,049
Noninterest expense to average assets1.7463%6,219
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.5520%789
Return on assets (ROA)1.5207%870
Pretax return on assets1.5207%1,475
Return on Equity (ROE)17.6623%491
Retained earnings to average equity (ytd only)9.1294%947
Net charge-offs to loans-0.0114%5,358
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.9452%5,999
Assets per employee ($millions)6.7911%878
Cash dividends to net income (ytd only)*48.3113%1,997
Condition Ratios (%)
Loss allowance to loans1.3318%3,684
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,288
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets60.6735%3,607
Net loans and leases to deposits73.6572%3,365
Net loans and leases to core deposits75.5693%3,667
Total domestic deposits to total assets82.3728%4,516
Equity capital to assets9.2599%5,021
Core capital (leverage) ratio9.3871%4,486
Tier 1 risk-based capital ratio14.2075%4,125
Total risk-based capital ratio15.4411%4,064
Memoranda:
Average total assets$89,561,3304,941
Average earning assets$86,023,3304,827
Average equity$7,711,3305,337
Average total loans$52,530,3304,806
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8756%4,194
Cost of funding earning assets1.0968%165
Net interest margin2.7788%5,977
Noninterest income to average assets0.5676%2,934
Noninterest expense to average assets1.7295%6,309
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.5122%791
Return on assets (ROA)1.4989%849
Pretax return on assets1.4989%1,431
Return on Equity (ROE)18.0761%437
Retained earnings to average equity (ytd only)10.4820%846
Net charge-offs to loans-0.0232%5,425
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.3516%6,066
Assets per employee ($millions)6.8900%844
Cash dividends to net income (ytd only)*42.0118%1,928
Condition Ratios (%)
Loss allowance to loans1.3896%3,659
Loan loss allowance to noncurrent loans6,572.7273%100
Noncurrent assets plus other real estate owned to assets0.0123%6,292
Noncurrent loans to loans0.0211%6,102
Net loans and leases to total assets57.2826%3,954
Net loans and leases to deposits68.8569%3,755
Net loans and leases to core deposits70.6255%4,020
Total domestic deposits to total assets83.1908%4,534
Equity capital to assets8.6044%5,541
Core capital (leverage) ratio8.8904%5,154
Tier 1 risk-based capital ratio14.3618%4,089
Total risk-based capital ratio15.6115%4,047
Memoranda:
Average total assets$90,200,0004,965
Average earning assets$86,800,5004,849
Average equity$7,479,5005,424
Average total loans$51,651,5004,877
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1600%3,497
Cost of funding earning assets1.2472%140
Net interest margin2.9129%5,765
Noninterest income to average assets0.6677%2,719
Noninterest expense to average assets1.7868%6,346
Loan and lease loss provision to assets0.0679%3,774
Net operating income to assets1.5775%723
Return on assets (ROA)1.5820%738
Pretax return on assets1.5820%1,217
Return on Equity (ROE)18.9390%341
Retained earnings to average equity (ytd only)8.6025%875
Net charge-offs to loans-0.0340%6,249
Credit loss provision to net charge-offs-352.9412%6,083
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.0607%6,289
Assets per employee ($millions)6.9869%776
Cash dividends to net income (ytd only)*54.5780%2,041
Condition Ratios (%)
Loss allowance to loans1.4043%3,638
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,461
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets55.6556%4,366
Net loans and leases to deposits67.1725%4,166
Net loans and leases to core deposits68.8804%4,406
Total domestic deposits to total assets82.8548%4,590
Equity capital to assets7.9841%6,030
Core capital (leverage) ratio8.6551%5,471
Tier 1 risk-based capital ratio13.8134%4,426
Total risk-based capital ratio15.0604%4,378
Memoranda:
Average total assets$88,369,2005,017
Average earning assets$83,869,6004,936
Average equity$7,381,6005,482
Average total loans$50,036,6004,958
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1940%3,405
Cost of funding earning assets1.2604%151
Net interest margin2.9335%5,732
Noninterest income to average assets0.6548%2,857
Noninterest expense to average assets1.8080%6,331
Loan and lease loss provision to assets0.0912%3,245
Net operating income to assets1.5315%847
Return on assets (ROA)1.5194%914
Pretax return on assets1.5194%1,548
Return on Equity (ROE)17.9835%443
Retained earnings to average equity (ytd only)7.8588%1,476
Net charge-offs to loans-0.0322%6,182
Credit loss provision to net charge-offs-500.0000%6,060
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.7015%6,206
Assets per employee ($millions)6.9505%773
Cash dividends to net income (ytd only)*56.3002%1,604
Condition Ratios (%)
Loss allowance to loans1.4034%3,879
Loan loss allowance to noncurrent loans308.1897%1,336
Noncurrent assets plus other real estate owned to assets0.2568%5,667
Noncurrent loans to loans0.4554%5,052
Net loans and leases to total assets55.5950%4,378
Net loans and leases to deposits67.2225%4,151
Net loans and leases to core deposits68.9412%4,438
Total domestic deposits to total assets82.7031%4,684
Equity capital to assets7.9142%6,203
Core capital (leverage) ratio8.6763%5,568
Tier 1 risk-based capital ratio13.6743%4,649
Total risk-based capital ratio14.9246%4,601
Memoranda:
Average total assets$87,754,0005,077
Average earning assets$83,037,5004,996
Average equity$7,414,0005,536
Average total loans$49,727,7505,020
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1871%3,425
Cost of funding earning assets1.2767%157
Net interest margin2.9104%5,779
Noninterest income to average assets0.6860%2,712
Noninterest expense to average assets1.8231%6,338
Loan and lease loss provision to assets0.1036%3,068
Net operating income to assets1.4985%901
Return on assets (ROA)1.4778%1,009
Pretax return on assets1.4778%1,681
Return on Equity (ROE)17.1162%544
Retained earnings to average equity (ytd only)5.8387%2,529
Net charge-offs to loans-0.0406%6,194
Credit loss provision to net charge-offs-450.0000%5,888
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.2258%6,203
Assets per employee ($millions)6.7922%798
Cash dividends to net income (ytd only)*65.8879%1,326
Condition Ratios (%)
Loss allowance to loans1.3320%4,357
Loan loss allowance to noncurrent loans294.5148%1,431
Noncurrent assets plus other real estate owned to assets0.2684%5,687
Noncurrent loans to loans0.4523%5,130
Net loans and leases to total assets58.5585%3,897
Net loans and leases to deposits71.1077%3,572
Net loans and leases to core deposits72.3788%3,999
Total domestic deposits to total assets82.3518%4,929
Equity capital to assets8.1350%6,104
Core capital (leverage) ratio8.4734%5,701
Tier 1 risk-based capital ratio13.0457%5,105
Total risk-based capital ratio14.2505%5,085
Memoranda:
Average total assets$86,886,3305,129
Average earning assets$81,775,3305,058
Average equity$7,501,6705,563
Average total loans$49,320,6705,055
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0925%3,758
Cost of funding earning assets1.2995%158
Net interest margin2.7931%6,044
Noninterest income to average assets0.5523%3,422
Noninterest expense to average assets1.9169%6,254
Loan and lease loss provision to assets0.1021%2,975
Net operating income to assets1.1371%1,724
Return on assets (ROA)1.1047%1,945
Pretax return on assets1.1047%2,936
Return on Equity (ROE)12.4266%1,316
Retained earnings to average equity (ytd only)-1.4620%6,016
Net charge-offs to loans-0.0251%5,820
Credit loss provision to net charge-offs-733.3333%5,567
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.7353%5,485
Assets per employee ($millions)6.6784%905
Cash dividends to net income (ytd only)*111.7647%540
Condition Ratios (%)
Loss allowance to loans1.3662%4,395
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3214%5,617
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets55.5466%4,165
Net loans and leases to deposits67.0985%3,901
Net loans and leases to core deposits67.7812%4,332
Total domestic deposits to total assets82.7837%4,923
Equity capital to assets8.7423%5,770
Core capital (leverage) ratio8.5351%5,542
Tier 1 risk-based capital ratio13.4485%4,912
Total risk-based capital ratio14.6773%4,874
Memoranda:
Average total assets$86,180,5005,191
Average earning assets$80,341,5005,141
Average equity$7,661,0005,594
Average total loans$47,779,0005,136
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4777%3,494
Cost of funding earning assets1.4978%166
Net interest margin2.9799%6,088
Noninterest income to average assets1.0440%1,424
Noninterest expense to average assets1.9356%6,448
Loan and lease loss provision to assets0.1107%4,250
Net operating income to assets1.7966%512
Return on assets (ROA)1.8273%552
Pretax return on assets1.8273%876
Return on Equity (ROE)20.2579%294
Retained earnings to average equity (ytd only)13.9870%201
Net charge-offs to loans0.0786%4,886
Credit loss provision to net charge-offs243.2432%1,014
Earnings coverage of net charge-offs (x)41.9189%768
Efficiency ratio50.3680%6,571
Assets per employee ($millions)6.1101%1,215
Cash dividends to net income (ytd only)*30.9556%3,332
Condition Ratios (%)
Loss allowance to loans1.3779%4,267
Loan loss allowance to noncurrent loans452.8169%893
Noncurrent assets plus other real estate owned to assets0.2560%5,907
Noncurrent loans to loans0.3043%5,718
Net loans and leases to total assets53.8005%4,644
Net loans and leases to deposits65.3425%4,379
Net loans and leases to core deposits66.2530%4,717
Total domestic deposits to total assets82.3362%4,986
Equity capital to assets9.0388%5,479
Core capital (leverage) ratio8.7115%5,315
Tier 1 risk-based capital ratio13.9724%4,400
Total risk-based capital ratio15.1966%4,384
Memoranda:
Average total assets$81,320,4005,320
Average earning assets$76,377,8005,230
Average equity$7,335,4005,683
Average total loans$47,097,8005,206
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4953%3,655
Cost of funding earning assets1.5241%178
Net interest margin2.9712%6,229
Noninterest income to average assets0.7458%2,506
Noninterest expense to average assets1.9352%6,465
Loan and lease loss provision to assets0.1113%4,176
Net operating income to assets1.5199%984
Return on assets (ROA)1.5448%1,058
Pretax return on assets1.5448%1,737
Return on Equity (ROE)17.1355%594
Retained earnings to average equity (ytd only)12.3449%475
Net charge-offs to loans0.0396%5,097
Credit loss provision to net charge-offs478.5714%563
Earnings coverage of net charge-offs (x)70.1285%582
Efficiency ratio54.2618%6,225
Assets per employee ($millions)5.8721%1,323
Cash dividends to net income (ytd only)*27.9571%2,733
Condition Ratios (%)
Loss allowance to loans1.3023%4,801
Loan loss allowance to noncurrent loans282.0175%1,305
Noncurrent assets plus other real estate owned to assets0.9050%4,473
Noncurrent loans to loans0.4618%5,523
Net loans and leases to total assets59.2787%3,913
Net loans and leases to deposits72.5366%3,525
Net loans and leases to core deposits73.8894%3,985
Total domestic deposits to total assets81.7224%5,117
Equity capital to assets9.1303%5,672
Core capital (leverage) ratio8.5558%5,683
Tier 1 risk-based capital ratio12.5388%5,610
Total risk-based capital ratio13.6934%5,654
Memoranda:
Average total assets$80,265,0005,394
Average earning assets$76,197,0005,286
Average equity$7,236,2505,761
Average total loans$47,206,0005,262
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5400%3,605
Cost of funding earning assets1.5363%204
Net interest margin3.0038%6,236
Noninterest income to average assets0.7310%2,510
Noninterest expense to average assets1.9242%6,557
Loan and lease loss provision to assets0.1130%4,117
Net operating income to assets1.5474%915
Return on assets (ROA)1.5575%1,007
Pretax return on assets1.5575%1,684
Return on Equity (ROE)17.3516%593
Retained earnings to average equity (ytd only)12.9577%442
Net charge-offs to loans0.0731%4,415
Credit loss provision to net charge-offs264.7059%1,087
Earnings coverage of net charge-offs (x)38.8824%892
Efficiency ratio53.6790%6,345
Assets per employee ($millions)5.7797%1,389
Cash dividends to net income (ytd only)*25.3226%2,801
Condition Ratios (%)
Loss allowance to loans1.2776%4,997
Loan loss allowance to noncurrent loans412.6667%883
Noncurrent assets plus other real estate owned to assets0.8898%4,588
Noncurrent loans to loans0.3096%5,937
Net loans and leases to total assets59.1119%3,971
Net loans and leases to deposits72.3058%3,564
Net loans and leases to core deposits73.6757%4,070
Total domestic deposits to total assets81.7527%5,218
Equity capital to assets9.0884%5,594
Core capital (leverage) ratio8.4198%5,764
Tier 1 risk-based capital ratio12.3321%5,701
Total risk-based capital ratio13.4587%5,770
Memoranda:
Average total assets$79,616,6705,447
Average earning assets$75,638,3305,335
Average equity$7,146,3305,802
Average total loans$46,482,6705,324
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4930%3,941
Cost of funding earning assets1.5456%235
Net interest margin2.9473%6,394
Noninterest income to average assets0.7244%2,537
Noninterest expense to average assets1.9299%6,589
Loan and lease loss provision to assets0.1114%3,963
Net operating income to assets1.4842%1,048
Return on assets (ROA)1.5044%1,132
Pretax return on assets1.5044%1,861
Return on Equity (ROE)16.8690%692
Retained earnings to average equity (ytd only)16.8690%314
Net charge-offs to loans-0.0176%6,133
Credit loss provision to net charge-offs-1,100.0000%5,933
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.7414%6,260
Assets per employee ($millions)5.7424%1,484
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2869%5,077
Loan loss allowance to noncurrent loans852.7778%444
Noncurrent assets plus other real estate owned to assets0.7376%5,073
Noncurrent loans to loans0.1509%6,379
Net loans and leases to total assets58.5840%3,944
Net loans and leases to deposits71.5199%3,504
Net loans and leases to core deposits72.8767%4,035
Total domestic deposits to total assets81.9128%5,330
Equity capital to assets8.9459%5,576
Core capital (leverage) ratio8.3962%5,746
Tier 1 risk-based capital ratio12.3029%5,756
Total risk-based capital ratio13.4458%5,800
Memoranda:
Average total assets$78,967,0005,513
Average earning assets$75,050,5005,397
Average equity$7,042,5005,857
Average total loans$45,499,0005,393
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9828%2,955
Cost of funding earning assets1.7218%299
Net interest margin3.2610%5,929
Noninterest income to average assets0.6665%2,797
Noninterest expense to average assets2.2079%6,252
Loan and lease loss provision to assets0.1202%5,099
Net operating income to assets1.4172%989
Return on assets (ROA)1.4679%968
Pretax return on assets1.4679%1,566
Return on Equity (ROE)17.1408%463
Retained earnings to average equity (ytd only)10.6994%447
Net charge-offs to loans0.0045%6,381
Credit loss provision to net charge-offs4,500.0000%55
Earnings coverage of net charge-offs (x)575.5000%53
Efficiency ratio58.9515%5,905
Assets per employee ($millions)5.5386%1,597
Cash dividends to net income (ytd only)*37.5796%2,731
Condition Ratios (%)
Loss allowance to loans1.3630%4,624
Loan loss allowance to noncurrent loans842.8571%455
Noncurrent assets plus other real estate owned to assets0.9879%4,632
Noncurrent loans to loans0.1617%6,432
Net loans and leases to total assets55.0632%4,867
Net loans and leases to deposits66.4157%4,680
Net loans and leases to core deposits68.5032%4,970
Total domestic deposits to total assets82.9069%4,786
Equity capital to assets8.8896%5,685
Core capital (leverage) ratio7.9622%6,300
Tier 1 risk-based capital ratio12.2852%5,622
Total risk-based capital ratio13.4334%5,678
Memoranda:
Average total assets$74,868,4005,613
Average earning assets$70,682,8005,515
Average equity$6,411,6006,036
Average total loans$44,838,6005,476
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0039%3,067
Cost of funding earning assets1.7571%311
Net interest margin3.2468%6,026
Noninterest income to average assets0.6181%3,063
Noninterest expense to average assets2.1922%6,292
Loan and lease loss provision to assets0.1204%4,928
Net operating income to assets1.3602%1,242
Return on assets (ROA)1.4285%1,170
Pretax return on assets1.4285%1,852
Return on Equity (ROE)16.8483%585
Retained earnings to average equity (ytd only)12.0164%496
Net charge-offs to loans-0.0177%6,882
Credit loss provision to net charge-offs-1,116.6667%6,772
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.6869%5,771
Assets per employee ($millions)5.4959%1,604
Cash dividends to net income (ytd only)*28.6791%2,534
Condition Ratios (%)
Loss allowance to loans1.2315%5,338
Loan loss allowance to noncurrent loans1,554.0541%261
Noncurrent assets plus other real estate owned to assets0.9423%4,871
Noncurrent loans to loans0.0792%6,735
Net loans and leases to total assets59.9340%4,142
Net loans and leases to deposits72.2851%3,944
Net loans and leases to core deposits74.9046%4,332
Total domestic deposits to total assets82.9133%4,719
Equity capital to assets8.6337%6,166
Core capital (leverage) ratio7.9747%6,421
Tier 1 risk-based capital ratio11.6326%6,151
Total risk-based capital ratio12.7125%6,259
Memoranda:
Average total assets$74,200,5005,675
Average earning assets$69,810,0005,589
Average equity$6,291,2506,115
Average total loans$45,226,7505,506
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0294%3,015
Cost of funding earning assets1.7644%360
Net interest margin3.2651%5,954
Noninterest income to average assets0.6522%2,821
Noninterest expense to average assets2.2296%6,306
Loan and lease loss provision to assets0.1228%4,751
Net operating income to assets1.3754%1,134
Return on assets (ROA)1.3754%1,207
Pretax return on assets1.3754%1,878
Return on Equity (ROE)16.3265%634
Retained earnings to average equity (ytd only)12.2773%487
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.8097%5,901
Assets per employee ($millions)5.4159%1,643
Cash dividends to net income (ytd only)*24.8016%2,689
Condition Ratios (%)
Loss allowance to loans1.1747%5,652
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.4349%4,057
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets60.6940%4,147
Net loans and leases to deposits73.2185%3,915
Net loans and leases to core deposits75.9118%4,330
Total domestic deposits to total assets82.8944%4,802
Equity capital to assets8.5383%6,142
Core capital (leverage) ratio8.0753%6,201
Tier 1 risk-based capital ratio11.2533%6,351
Total risk-based capital ratio12.2782%6,493
Memoranda:
Average total assets$73,286,3305,740
Average earning assets$69,033,6705,657
Average equity$6,174,0006,180
Average total loans$44,739,0005,577
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7923%4,094
Cost of funding earning assets1.7838%400
Net interest margin3.0084%6,556
Noninterest income to average assets0.5832%3,286
Noninterest expense to average assets2.1495%6,531
Loan and lease loss provision to assets0.1222%4,482
Net operating income to assets1.1497%1,669
Return on assets (ROA)1.1497%1,717
Pretax return on assets1.1497%2,565
Return on Equity (ROE)13.7450%1,035
Retained earnings to average equity (ytd only)13.7450%498
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.8247%5,550
Assets per employee ($millions)5.2457%1,833
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.1522%5,840
Loan loss allowance to noncurrent loans53.5787%4,800
Noncurrent assets plus other real estate owned to assets2.0847%3,215
Noncurrent loans to loans2.1505%3,384
Net loans and leases to total assets61.2105%4,035
Net loans and leases to deposits73.8557%3,781
Net loans and leases to core deposits77.8016%4,047
Total domestic deposits to total assets82.8785%4,971
Equity capital to assets8.3660%6,089
Core capital (leverage) ratio8.2713%5,864
Tier 1 risk-based capital ratio11.2894%6,267
Total risk-based capital ratio12.3033%6,454
Memoranda:
Average total assets$72,018,0005,818
Average earning assets$67,943,0005,734
Average equity$6,024,0006,241
Average total loans$43,825,0005,664
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0173%4,468
Cost of funding earning assets2.0395%521
Net interest margin2.9778%6,777
Noninterest income to average assets1.0078%1,479
Noninterest expense to average assets2.3520%6,215
Loan and lease loss provision to assets0.3178%4,266
Net operating income to assets1.1473%1,549
Return on assets (ROA)1.1473%1,634
Pretax return on assets1.1473%2,407
Return on Equity (ROE)12.9362%1,104
Retained earnings to average equity (ytd only)8.7581%767
Net charge-offs to loans0.3370%4,326
Credit loss provision to net charge-offs139.4558%2,725
Earnings coverage of net charge-offs (x)6.4286%2,361
Efficiency ratio61.6166%5,791
Assets per employee ($millions)5.0426%2,093
Cash dividends to net income (ytd only)*32.2973%2,937
Condition Ratios (%)
Loss allowance to loans1.1903%5,568
Loan loss allowance to noncurrent loans46.5246%5,217
Noncurrent assets plus other real estate owned to assets2.3117%2,957
Noncurrent loans to loans2.5585%2,974
Net loans and leases to total assets59.0274%4,839
Net loans and leases to deposits70.3522%4,773
Net loans and leases to core deposits73.8821%4,992
Total domestic deposits to total assets83.9028%4,398
Equity capital to assets8.3631%6,057
Core capital (leverage) ratio8.1112%5,993
Tier 1 risk-based capital ratio11.5682%5,849
Total risk-based capital ratio12.6002%6,031
Memoranda:
Average total assets$64,497,0006,049
Average earning assets$60,849,4005,966
Average equity$5,720,4006,454
Average total loans$43,617,6005,762
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0938%4,357
Cost of funding earning assets2.0805%578
Net interest margin3.0132%6,802
Noninterest income to average assets0.9125%1,752
Noninterest expense to average assets2.3989%6,040
Loan and lease loss provision to assets0.2371%4,704
Net operating income to assets1.1222%1,818
Return on assets (ROA)1.1222%1,929
Pretax return on assets1.1222%2,763
Return on Equity (ROE)12.4531%1,395
Retained earnings to average equity (ytd only)9.3280%953
Net charge-offs to loans0.2850%4,233
Credit loss provision to net charge-offs119.1489%3,470
Earnings coverage of net charge-offs (x)6.8298%2,443
Efficiency ratio63.8310%5,274
Assets per employee ($millions)4.6904%2,609
Cash dividends to net income (ytd only)*25.0945%2,753
Condition Ratios (%)
Loss allowance to loans1.0607%6,113
Loan loss allowance to noncurrent loans30.0390%6,325
Noncurrent assets plus other real estate owned to assets2.6727%2,699
Noncurrent loans to loans3.5309%2,230
Net loans and leases to total assets65.6301%3,770
Net loans and leases to deposits79.6202%3,517
Net loans and leases to core deposits84.7979%3,837
Total domestic deposits to total assets82.4290%4,825
Equity capital to assets9.0703%5,491
Core capital (leverage) ratio8.4579%5,586
Tier 1 risk-based capital ratio11.2857%6,112
Total risk-based capital ratio12.2298%6,376
Memoranda:
Average total assets$62,972,2506,162
Average earning assets$59,470,0006,079
Average equity$5,674,5006,545
Average total loans$43,978,7505,829
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0855%4,532
Cost of funding earning assets2.0936%669
Net interest margin2.9919%6,844
Noninterest income to average assets0.9698%1,458
Noninterest expense to average assets2.4422%5,935
Loan and lease loss provision to assets0.2900%4,067
Net operating income to assets1.0600%1,983
Return on assets (ROA)1.0600%2,055
Pretax return on assets1.0600%2,902
Return on Equity (ROE)11.7907%1,507
Retained earnings to average equity (ytd only)9.2820%1,022
Net charge-offs to loans0.4352%3,245
Credit loss provision to net charge-offs93.7500%4,302
Earnings coverage of net charge-offs (x)4.3646%2,975
Efficiency ratio64.4010%5,257
Assets per employee ($millions)4.5594%2,775
Cash dividends to net income (ytd only)*21.2766%2,853
Condition Ratios (%)
Loss allowance to loans0.9851%6,461
Loan loss allowance to noncurrent loans28.4785%6,466
Noncurrent assets plus other real estate owned to assets2.7494%2,630
Noncurrent loans to loans3.4591%2,295
Net loans and leases to total assets68.9696%3,137
Net loans and leases to deposits83.5608%2,961
Net loans and leases to core deposits90.5806%3,178
Total domestic deposits to total assets82.5383%4,769
Equity capital to assets8.9800%5,481
Core capital (leverage) ratio8.6498%5,156
Tier 1 risk-based capital ratio10.9569%6,285
Total risk-based capital ratio11.8481%6,608
Memoranda:
Average total assets$62,074,6706,231
Average earning assets$58,558,3306,156
Average equity$5,580,6706,592
Average total loans$44,119,0005,861
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9813%5,104
Cost of funding earning assets2.1528%682
Net interest margin2.8286%7,140
Noninterest income to average assets0.8497%1,814
Noninterest expense to average assets2.5034%5,715
Loan and lease loss provision to assets0.1503%5,040
Net operating income to assets0.8497%2,754
Return on assets (ROA)0.8497%2,846
Pretax return on assets0.8497%3,671
Return on Equity (ROE)9.4460%2,320
Retained earnings to average equity (ytd only)9.4460%1,286
Net charge-offs to loans0.3914%2,872
Credit loss provision to net charge-offs53.4884%4,428
Earnings coverage of net charge-offs (x)3.5581%2,869
Efficiency ratio71.4552%4,031
Assets per employee ($millions)4.4550%3,033
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.9415%6,704
Loan loss allowance to noncurrent loans26.5498%6,628
Noncurrent assets plus other real estate owned to assets3.0271%2,365
Noncurrent loans to loans3.5461%2,252
Net loans and leases to total assets71.5280%2,564
Net loans and leases to deposits86.7651%2,459
Net loans and leases to core deposits93.7463%2,871
Total domestic deposits to total assets82.4387%4,877
Equity capital to assets8.9450%5,358
Core capital (leverage) ratio8.7494%4,942
Tier 1 risk-based capital ratio10.5623%6,575
Total risk-based capital ratio11.4143%6,910
Memoranda:
Average total assets$61,196,5006,338
Average earning assets$57,414,5006,263
Average equity$5,505,0006,672
Average total loans$43,947,5005,938
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9530%2,044
Cost of funding earning assets2.4890%1,047
Net interest margin3.4640%5,112
Noninterest income to average assets0.9334%1,818
Noninterest expense to average assets2.6216%5,707
Loan and lease loss provision to assets0.2437%5,433
Net operating income to assets1.3397%959
Return on assets (ROA)1.3740%945
Pretax return on assets1.3740%1,494
Return on Equity (ROE)14.2259%749
Retained earnings to average equity (ytd only)5.2155%1,709
Net charge-offs to loans0.3802%4,306
Credit loss provision to net charge-offs85.9873%6,130
Earnings coverage of net charge-offs (x)5.5860%2,553
Efficiency ratio62.3444%6,092
Assets per employee ($millions)4.2874%3,288
Cash dividends to net income (ytd only)*63.3377%1,851
Condition Ratios (%)
Loss allowance to loans1.0360%6,193
Loan loss allowance to noncurrent loans54.2125%4,737
Noncurrent assets plus other real estate owned to assets1.3645%4,379
Noncurrent loans to loans1.9109%3,786
Net loans and leases to total assets70.6646%3,083
Net loans and leases to deposits86.2356%2,872
Net loans and leases to core deposits105.6019%3,383
Total domestic deposits to total assets81.9436%4,972
Equity capital to assets9.0482%5,064
Core capital (leverage) ratio8.9056%4,581
Tier 1 risk-based capital ratio10.8874%6,022
Total risk-based capital ratio11.8304%6,301
Memoranda:
Average total assets$55,386,0006,516
Average earning assets$52,309,8006,444
Average equity$5,349,4006,824
Average total loans$41,291,0006,046
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9177%2,365
Cost of funding earning assets2.5752%1,091
Net interest margin3.3425%5,476
Noninterest income to average assets0.9147%1,922
Noninterest expense to average assets2.6702%5,454
Loan and lease loss provision to assets0.3098%4,493
Net operating income to assets1.0941%1,749
Return on assets (ROA)1.1409%1,680
Pretax return on assets1.1409%2,446
Return on Equity (ROE)11.6091%1,466
Retained earnings to average equity (ytd only)9.1573%802
Net charge-offs to loans0.5412%3,060
Credit loss provision to net charge-offs75.9036%5,867
Earnings coverage of net charge-offs (x)3.4397%3,532
Efficiency ratio65.5401%5,451
Assets per employee ($millions)3.6966%4,434
Cash dividends to net income (ytd only)*21.1202%3,201
Condition Ratios (%)
Loss allowance to loans1.0000%6,289
Loan loss allowance to noncurrent loans48.9655%5,044
Noncurrent assets plus other real estate owned to assets1.5690%4,009
Noncurrent loans to loans2.0423%3,574
Net loans and leases to total assets76.0555%1,987
Net loans and leases to deposits95.1792%1,684
Net loans and leases to core deposits116.9041%2,533
Total domestic deposits to total assets79.9077%5,464
Equity capital to assets10.0651%4,005
Core capital (leverage) ratio9.4445%3,989
Tier 1 risk-based capital ratio11.1721%5,789
Total risk-based capital ratio12.0849%6,084
Memoranda:
Average total assets$54,226,7506,602
Average earning assets$51,257,0006,529
Average equity$5,329,0006,896
Average total loans$40,899,0006,110
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9062%2,557
Cost of funding earning assets2.6245%1,221
Net interest margin3.2817%5,615
Noninterest income to average assets0.9439%1,782
Noninterest expense to average assets2.6942%5,403
Loan and lease loss provision to assets0.1003%6,168
Net operating income to assets1.2486%1,360
Return on assets (ROA)1.2486%1,434
Pretax return on assets1.2486%2,167
Return on Equity (ROE)12.8122%1,215
Retained earnings to average equity (ytd only)9.6473%795
Net charge-offs to loans0.0942%5,236
Credit loss provision to net charge-offs142.1053%3,271
Earnings coverage of net charge-offs (x)19.1053%1,380
Efficiency ratio66.6360%5,429
Assets per employee ($millions)3.6867%4,360
Cash dividends to net income (ytd only)*24.7024%3,019
Condition Ratios (%)
Loss allowance to loans1.1227%5,441
Loan loss allowance to noncurrent loans89.6030%3,183
Noncurrent assets plus other real estate owned to assets0.9566%5,066
Noncurrent loans to loans1.2530%4,699
Net loans and leases to total assets75.4851%2,319
Net loans and leases to deposits94.0816%2,076
Net loans and leases to core deposits113.2962%2,988
Total domestic deposits to total assets80.2336%5,380
Equity capital to assets9.6996%4,349
Core capital (leverage) ratio9.4579%3,943
Tier 1 risk-based capital ratio11.1029%5,774
Total risk-based capital ratio12.1348%5,941
Memoranda:
Average total assets$53,819,3306,679
Average earning assets$50,828,0006,600
Average equity$5,245,0006,983
Average total loans$40,332,6706,193
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8277%3,157
Cost of funding earning assets2.6983%1,278
Net interest margin3.1294%6,105
Noninterest income to average assets0.9269%1,745
Noninterest expense to average assets2.6527%5,212
Loan and lease loss provision to assets0.1356%5,222
Net operating income to assets1.0927%1,982
Return on assets (ROA)1.0927%2,112
Pretax return on assets1.0927%3,011
Return on Equity (ROE)11.1850%1,916
Retained earnings to average equity (ytd only)11.1850%934
Net charge-offs to loans0.0102%5,496
Credit loss provision to net charge-offs1,800.0000%354
Earnings coverage of net charge-offs (x)163.0000%268
Efficiency ratio68.3495%4,902
Assets per employee ($millions)3.7954%4,108
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2100%4,735
Loan loss allowance to noncurrent loans103.4261%2,967
Noncurrent assets plus other real estate owned to assets1.1461%4,385
Noncurrent loans to loans1.1699%4,646
Net loans and leases to total assets74.2133%2,702
Net loans and leases to deposits93.0157%2,431
Net loans and leases to core deposits110.5151%3,368
Total domestic deposits to total assets79.7858%5,437
Equity capital to assets9.9424%4,061
Core capital (leverage) ratio9.2470%4,328
Tier 1 risk-based capital ratio11.4801%5,438
Total risk-based capital ratio12.5908%5,466
Memoranda:
Average total assets$53,078,5006,737
Average earning assets$50,105,5006,657
Average equity$5,185,5007,058
Average total loans$39,390,0006,260
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5210%2,853
Cost of funding earning assets3.3017%926
Net interest margin3.2193%6,308
Noninterest income to average assets0.8767%2,074
Noninterest expense to average assets2.5376%5,864
Loan and lease loss provision to assets0.1701%5,205
Net operating income to assets1.1961%1,784
Return on assets (ROA)1.2168%1,670
Pretax return on assets1.2168%2,587
Return on Equity (ROE)12.7172%1,402
Retained earnings to average equity (ytd only)4.8381%2,121
Net charge-offs to loans0.0463%6,122
Credit loss provision to net charge-offs500.0000%870
Earnings coverage of net charge-offs (x)40.1667%930
Efficiency ratio65.0048%5,327
Assets per employee ($millions)3.7872%3,988
Cash dividends to net income (ytd only)*61.9565%2,584
Condition Ratios (%)
Loss allowance to loans1.1991%4,538
Loan loss allowance to noncurrent loans119.4872%2,989
Noncurrent assets plus other real estate owned to assets0.7356%5,015
Noncurrent loans to loans1.0035%4,584
Net loans and leases to total assets72.4185%3,498
Net loans and leases to deposits88.4092%3,740
Net loans and leases to core deposits104.8096%4,318
Total domestic deposits to total assets81.9128%4,237
Equity capital to assets9.5962%4,548
Core capital (leverage) ratio9.1700%4,487
Tier 1 risk-based capital ratio11.2441%5,494
Total risk-based capital ratio12.3251%5,548
Memoranda:
Average total assets$52,924,2006,664
Average earning assets$49,762,4006,600
Average equity$5,064,0007,121
Average total loans$38,855,8006,231