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Farmers and Merchants Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0662%306
Cost of funding earning assets0.4255%4,310
Net interest margin6.6408%52
Noninterest income to average assets0.7800%850
Noninterest expense to average assets4.6943%270
Loan and lease loss provision to assets0.1200%1,082
Net operating income to assets2.1826%337
Return on assets (ROA)2.1826%343
Pretax return on assets2.1826%512
Return on Equity (ROE)25.4200%185
Retained earnings to average equity (ytd only)25.4224%69
Net charge-offs to loans0.2130%516
Credit loss provision to net charge-offs100.0000%1,260
Earnings coverage of net charge-offs (x)19.0000%1,447
Efficiency ratio67.0792%2,132
Assets per employee ($millions)3.3770%4,223
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans3.1822%139
Loan loss allowance to noncurrent loans546.6667%1,076
Noncurrent assets plus other real estate owned to assets0.3173%2,026
Noncurrent loans to loans0.5821%1,690
Net loans and leases to total assets52.7700%3,421
Net loans and leases to deposits57.7848%3,574
Net loans and leases to core deposits59.0066%3,724
Total domestic deposits to total assets91.3200%440
Equity capital to assets8.6425%3,199
Core capital (leverage) ratio8.9256%3,824
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1318%1,233
Memoranda:
Average total assets$23,092,0004,381
Average earning assets$21,624,0004,350
Average equity$1,982,5004,398
Average total loans$13,142,5004,276
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.8271%185
Cost of funding earning assets0.3708%4,340
Net interest margin7.4563%32
Noninterest income to average assets0.4000%2,453
Noninterest expense to average assets4.2588%328
Loan and lease loss provision to assets1.5200%43
Net operating income to assets1.5587%826
Return on assets (ROA)1.5587%818
Pretax return on assets1.5587%1,179
Return on Equity (ROE)19.1800%457
Retained earnings to average equity (ytd only)-0.8387%4,078
Net charge-offs to loans0.3219%458
Credit loss provision to net charge-offs778.2609%460
Earnings coverage of net charge-offs (x)15.7391%2,007
Efficiency ratio58.0046%3,362
Assets per employee ($millions)3.2207%4,264
Cash dividends to net income (ytd only)*104.3716%213
Condition Ratios (%)
Loss allowance to loans3.0595%140
Loan loss allowance to noncurrent loans611.9403%1,027
Noncurrent assets plus other real estate owned to assets0.2972%2,052
Noncurrent loans to loans0.5000%1,834
Net loans and leases to total assets57.6200%3,138
Net loans and leases to deposits63.0417%3,389
Net loans and leases to core deposits64.4555%3,588
Total domestic deposits to total assets91.4000%423
Equity capital to assets8.5252%3,178
Core capital (leverage) ratio8.3821%4,144
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4863%1,682
Memoranda:
Average total assets$23,481,0004,403
Average earning assets$21,847,2004,373
Average equity$1,907,8004,424
Average total loans$14,291,8004,282
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.8611%185
Cost of funding earning assets0.3336%4,389
Net interest margin7.5275%32
Noninterest income to average assets0.3900%2,483
Noninterest expense to average assets4.1323%343
Loan and lease loss provision to assets2.0100%32
Net operating income to assets1.2200%1,477
Return on assets (ROA)1.2200%1,484
Pretax return on assets1.2200%1,942
Return on Equity (ROE)15.1900%923
Retained earnings to average equity (ytd only)-11.5528%4,446
Net charge-offs to loans0.4226%320
Credit loss provision to net charge-offs778.2609%475
Earnings coverage of net charge-offs (x)12.5000%2,030
Efficiency ratio56.1069%3,543
Assets per employee ($millions)3.3820%4,264
Cash dividends to net income (ytd only)*176.0369%65
Condition Ratios (%)
Loss allowance to loans2.9248%162
Loan loss allowance to noncurrent loans0.0000%3,813
Noncurrent assets plus other real estate owned to assets0.0000%3,861
Noncurrent loans to loans0.0000%3,830
Net loans and leases to total assets57.4800%3,144
Net loans and leases to deposits62.1995%3,467
Net loans and leases to core deposits63.5264%3,664
Total domestic deposits to total assets92.4100%141
Equity capital to assets7.5230%3,956
Core capital (leverage) ratio7.5375%4,414
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6927%2,347
Memoranda:
Average total assets$23,715,0004,430
Average earning assets$21,981,0004,405
Average equity$1,904,2504,456
Average total loans$14,514,5004,306
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.8276%185
Cost of funding earning assets0.3007%4,405
Net interest margin7.5269%33
Noninterest income to average assets0.4000%2,384
Noninterest expense to average assets4.4082%288
Loan and lease loss provision to assets0.3000%330
Net operating income to assets2.6550%207
Return on assets (ROA)2.6550%207
Pretax return on assets2.6550%279
Return on Equity (ROE)32.3900%110
Retained earnings to average equity (ytd only)0.5141%3,714
Net charge-offs to loans0.6540%191
Credit loss provision to net charge-offs75.0000%1,686
Earnings coverage of net charge-offs (x)7.3125%2,113
Efficiency ratio59.8398%3,222
Assets per employee ($millions)3.3971%4,276
Cash dividends to net income (ytd only)*98.4127%396
Condition Ratios (%)
Loss allowance to loans0.5996%4,244
Loan loss allowance to noncurrent loans0.0000%3,808
Noncurrent assets plus other real estate owned to assets0.0000%3,854
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets59.9600%2,960
Net loans and leases to deposits65.3108%3,294
Net loans and leases to core deposits66.7259%3,510
Total domestic deposits to total assets91.8000%298
Equity capital to assets8.1455%3,339
Core capital (leverage) ratio8.0162%4,328
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7732%2,341
Memoranda:
Average total assets$23,728,6674,452
Average earning assets$21,948,0004,422
Average equity$1,945,3334,465
Average total loans$14,680,0004,322
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7923%186
Cost of funding earning assets0.2750%4,433
Net interest margin7.5172%36
Noninterest income to average assets0.4400%2,063
Noninterest expense to average assets4.0332%353
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets3.3245%138
Return on assets (ROA)3.3245%137
Pretax return on assets3.3245%171
Return on Equity (ROE)40.4200%65
Retained earnings to average equity (ytd only)5.5399%2,254
Net charge-offs to loans0.8351%117
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)6.3548%1,817
Efficiency ratio54.8165%3,696
Assets per employee ($millions)3.4789%4,282
Cash dividends to net income (ytd only)*86.2944%648
Condition Ratios (%)
Loss allowance to loans0.4549%4,341
Loan loss allowance to noncurrent loans0.0000%3,825
Noncurrent assets plus other real estate owned to assets0.0000%3,894
Noncurrent loans to loans0.0000%3,844
Net loans and leases to total assets60.2100%2,835
Net loans and leases to deposits65.5197%3,199
Net loans and leases to core deposits66.9192%3,482
Total domestic deposits to total assets91.8900%351
Equity capital to assets8.0609%3,327
Core capital (leverage) ratio8.1187%4,291
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3383%2,474
Memoranda:
Average total assets$23,703,0004,484
Average earning assets$21,816,5004,452
Average equity$1,949,5004,491
Average total loans$14,848,0004,349
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9724%230
Cost of funding earning assets0.1722%4,455
Net interest margin6.8002%63
Noninterest income to average assets0.6300%1,422
Noninterest expense to average assets3.5625%536
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets3.3490%134
Return on assets (ROA)3.3490%132
Pretax return on assets3.3490%158
Return on Equity (ROE)42.9300%77
Retained earnings to average equity (ytd only)8.3718%1,433
Net charge-offs to loans-0.0288%4,256
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio51.5445%3,873
Assets per employee ($millions)3.2934%4,328
Cash dividends to net income (ytd only)*80.5000%572
Condition Ratios (%)
Loss allowance to loans0.6548%4,179
Loan loss allowance to noncurrent loans264.8649%2,164
Noncurrent assets plus other real estate owned to assets0.1605%2,463
Noncurrent loans to loans0.2472%2,315
Net loans and leases to total assets64.5000%2,419
Net loans and leases to deposits70.4692%2,851
Net loans and leases to core deposits72.0886%3,184
Total domestic deposits to total assets91.5200%384
Equity capital to assets8.3977%3,124
Core capital (leverage) ratio8.2831%4,226
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3882%2,457
Memoranda:
Average total assets$23,887,4004,507
Average earning assets$22,072,8004,469
Average equity$1,863,4004,495
Average total loans$13,885,2004,368
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7028%249
Cost of funding earning assets0.1553%4,472
Net interest margin6.5475%72
Noninterest income to average assets0.6200%1,445
Noninterest expense to average assets3.2149%801
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets3.4694%136
Return on assets (ROA)3.4694%135
Pretax return on assets3.4694%164
Return on Equity (ROE)45.3000%90
Retained earnings to average equity (ytd only)10.6939%1,221
Net charge-offs to loans-0.0392%4,315
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio48.0960%4,036
Assets per employee ($millions)3.3349%4,354
Cash dividends to net income (ytd only)*76.3955%523
Condition Ratios (%)
Loss allowance to loans0.6819%4,166
Loan loss allowance to noncurrent loans264.8649%2,161
Noncurrent assets plus other real estate owned to assets0.1585%2,527
Noncurrent loans to loans0.2575%2,315
Net loans and leases to total assets61.1400%2,738
Net loans and leases to deposits66.6869%3,075
Net loans and leases to core deposits69.2394%3,250
Total domestic deposits to total assets91.6900%520
Equity capital to assets8.2377%2,892
Core capital (leverage) ratio8.1164%4,350
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7076%2,386
Memoranda:
Average total assets$24,095,7504,533
Average earning assets$22,318,5004,497
Average equity$1,845,2504,519
Average total loans$13,614,7504,393
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4494%275
Cost of funding earning assets0.1329%4,491
Net interest margin6.3165%88
Noninterest income to average assets0.5600%1,626
Noninterest expense to average assets2.8752%1,270
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets3.5406%116
Return on assets (ROA)3.5406%117
Pretax return on assets3.5406%142
Return on Equity (ROE)47.3800%71
Retained earnings to average equity (ytd only)15.1704%546
Net charge-offs to loans-0.0599%4,417
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio44.8143%4,217
Assets per employee ($millions)3.4031%4,365
Cash dividends to net income (ytd only)*67.9814%795
Condition Ratios (%)
Loss allowance to loans0.6970%4,187
Loan loss allowance to noncurrent loans213.0435%2,524
Noncurrent assets plus other real estate owned to assets0.1931%2,229
Noncurrent loans to loans0.3272%1,958
Net loans and leases to total assets58.6100%2,908
Net loans and leases to deposits63.7651%3,205
Net loans and leases to core deposits66.1236%3,342
Total domestic deposits to total assets91.9200%429
Equity capital to assets8.0010%3,217
Core capital (leverage) ratio8.0807%4,376
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0556%2,276
Memoranda:
Average total assets$24,346,3334,557
Average earning assets$22,575,6674,523
Average equity$1,819,3334,551
Average total loans$13,362,6674,420
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0994%277
Cost of funding earning assets0.1052%4,526
Net interest margin5.9942%102
Noninterest income to average assets0.5900%1,458
Noninterest expense to average assets2.6983%1,681
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets3.4460%122
Return on assets (ROA)3.4460%122
Pretax return on assets3.4460%148
Return on Equity (ROE)47.7500%85
Retained earnings to average equity (ytd only)4.9550%3,026
Net charge-offs to loans-0.4303%4,649
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio43.9153%4,305
Assets per employee ($millions)3.5706%4,399
Cash dividends to net income (ytd only)*89.6226%530
Condition Ratios (%)
Loss allowance to loans0.8326%4,027
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 assets51.4600%3,386
Net loans and leases to deposits55.4798%3,601
Net loans and leases to core deposits57.4318%3,661
Total domestic deposits to total assets92.7600%346
Equity capital to assets7.1817%3,743
Core capital (leverage) ratio7.3381%4,596
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9697%2,400
Memoranda:
Average total assets$24,608,5004,611
Average earning assets$22,822,0004,586
Average equity$1,776,0004,621
Average total loans$13,014,0004,481
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4912%737
Cost of funding earning assets0.0724%4,502
Net interest margin4.4187%339
Noninterest income to average assets0.9300%743
Noninterest expense to average assets2.9621%1,019
Loan and lease loss provision to assets0.0400%2,129
Net operating income to assets2.0611%264
Return on assets (ROA)2.0611%256
Pretax return on assets2.0611%411
Return on Equity (ROE)31.5100%98
Retained earnings to average equity (ytd only)12.1892%632
Net charge-offs to loans0.0000%2,620
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio58.5039%3,264
Assets per employee ($millions)3.4604%4,448
Cash dividends to net income (ytd only)*61.3153%909
Condition Ratios (%)
Loss allowance to loans0.7199%4,181
Loan loss allowance to noncurrent loans4,700.0000%310
Noncurrent assets plus other real estate owned to assets0.0083%3,820
Noncurrent loans to loans0.0153%3,731
Net loans and leases to total assets53.5200%3,240
Net loans and leases to deposits57.7365%3,475
Net loans and leases to core deposits59.8587%3,514
Total domestic deposits to total assets92.6900%468
Equity capital to assets7.2534%3,519
Core capital (leverage) ratio7.3685%4,604
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6903%2,489
Memoranda:
Average total assets$25,083,6004,645
Average earning assets$23,468,2004,612
Average equity$1,640,8004,693
Average total loans$12,561,6004,517
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9961%1,273
Cost of funding earning assets0.0673%4,492
Net interest margin3.9287%744
Noninterest income to average assets0.7300%1,213
Noninterest expense to average assets2.7036%1,462
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.7128%514
Return on assets (ROA)1.7128%502
Pretax return on assets1.7128%877
Return on Equity (ROE)26.8900%137
Retained earnings to average equity (ytd only)11.0023%1,055
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio61.2172%2,940
Assets per employee ($millions)3.9883%4,327
Cash dividends to net income (ytd only)*59.0769%899
Condition Ratios (%)
Loss allowance to loans0.6565%4,323
Loan loss allowance to noncurrent loans8,400.0000%172
Noncurrent assets plus other real estate owned to assets0.0042%3,975
Noncurrent loans to loans0.0078%3,892
Net loans and leases to total assets53.1200%3,177
Net loans and leases to deposits57.1769%3,395
Net loans and leases to core deposits59.3002%3,433
Total domestic deposits to total assets92.9000%608
Equity capital to assets7.0455%3,489
Core capital (leverage) ratio6.9474%4,678
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4584%2,668
Memoranda:
Average total assets$25,298,7504,679
Average earning assets$23,756,0004,643
Average equity$1,611,7504,731
Average total loans$12,437,7504,552
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6477%1,691
Cost of funding earning assets0.0660%4,483
Net interest margin3.5816%1,100
Noninterest income to average assets0.5358%2,012
Noninterest expense to average assets2.5704%1,721
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.3357%1,060
Return on assets (ROA)1.3357%1,039
Pretax return on assets1.3357%1,627
Return on Equity (ROE)21.6761%208
Retained earnings to average equity (ytd only)5.0410%2,694
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8052%2,539
Assets per employee ($millions)4.1468%4,291
Cash dividends to net income (ytd only)*76.7442%670
Condition Ratios (%)
Loss allowance to loans0.6588%4,398
Loan loss allowance to noncurrent loans8,400.0000%161
Noncurrent assets plus other real estate owned to assets0.0040%4,017
Noncurrent loans to loans0.0078%3,940
Net loans and leases to total assets50.9103%3,277
Net loans and leases to deposits54.4443%3,510
Net loans and leases to core deposits56.3880%3,532
Total domestic deposits to total assets93.5091%388
Equity capital to assets6.4467%4,037
Core capital (leverage) ratio6.2401%4,745
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6108%2,908
Memoranda:
Average total assets$25,755,0004,710
Average earning assets$24,234,6674,691
Average equity$1,587,0004,756
Average total loans$12,318,6674,621
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4208%2,029
Cost of funding earning assets0.0814%4,343
Net interest margin3.3393%1,474
Noninterest income to average assets0.5192%2,046
Noninterest expense to average assets2.5504%1,750
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.0996%1,530
Return on assets (ROA)1.0996%1,522
Pretax return on assets1.0996%2,144
Return on Equity (ROE)18.2452%318
Retained earnings to average equity (ytd only)0.5068%3,918
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8745%2,249
Assets per employee ($millions)4.4818%4,146
Cash dividends to net income (ytd only)*97.2222%537
Condition Ratios (%)
Loss allowance to loans0.6978%4,386
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets44.4498%3,710
Net loans and leases to deposits47.2451%3,915
Net loans and leases to core deposits48.8037%3,940
Total domestic deposits to total assets94.0835%108
Equity capital to assets5.8681%4,608
Core capital (leverage) ratio5.9056%4,775
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.3843%2,998
Memoranda:
Average total assets$26,192,0004,736
Average earning assets$24,556,0004,710
Average equity$1,578,5004,783
Average total loans$12,102,5004,654
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1912%1,007
Cost of funding earning assets0.0851%4,496
Net interest margin4.1060%588
Noninterest income to average assets0.6086%2,115
Noninterest expense to average assets2.9553%1,055
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.4339%1,170
Return on assets (ROA)1.4339%1,249
Pretax return on assets1.4339%1,930
Return on Equity (ROE)19.6935%326
Retained earnings to average equity (ytd only)-0.0633%4,504
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3319%2,075
Assets per employee ($millions)4.2488%4,298
Cash dividends to net income (ytd only)*100.3215%194
Condition Ratios (%)
Loss allowance to loans0.6903%4,443
Loan loss allowance to noncurrent loans4,200.0000%295
Noncurrent assets plus other real estate owned to assets0.0078%4,081
Noncurrent loans to loans0.0164%3,965
Net loans and leases to total assets47.4012%3,553
Net loans and leases to deposits50.5607%3,849
Net loans and leases to core deposits52.3434%3,869
Total domestic deposits to total assets93.7512%17
Equity capital to assets6.1939%4,807
Core capital (leverage) ratio6.8898%4,762
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.4127%2,999
Memoranda:
Average total assets$21,689,8004,798
Average earning assets$19,970,6004,782
Average equity$1,579,2004,827
Average total loans$11,926,4004,697
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3704%858
Cost of funding earning assets0.0909%4,569
Net interest margin4.2795%472
Noninterest income to average assets0.6108%2,171
Noninterest expense to average assets3.0602%878
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.4851%1,308
Return on assets (ROA)1.4851%1,358
Pretax return on assets1.4851%2,036
Return on Equity (ROE)19.5024%465
Retained earnings to average equity (ytd only)-0.9287%4,657
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3267%1,927
Assets per employee ($millions)3.5470%4,629
Cash dividends to net income (ytd only)*104.7619%162
Condition Ratios (%)
Loss allowance to loans0.7205%4,469
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets54.3887%2,927
Net loans and leases to deposits58.7504%3,341
Net loans and leases to core deposits61.2985%3,382
Total domestic deposits to total assets92.5759%65
Equity capital to assets7.3771%4,737
Core capital (leverage) ratio7.4457%4,718
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5028%2,863
Memoranda:
Average total assets$20,739,0004,876
Average earning assets$19,067,2504,861
Average equity$1,579,2504,900
Average total loans$11,866,0004,770
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3535%917
Cost of funding earning assets0.0949%4,610
Net interest margin4.2586%526
Noninterest income to average assets0.5837%2,283
Noninterest expense to average assets3.0061%974
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.5079%1,268
Return on assets (ROA)1.5079%1,334
Pretax return on assets1.5079%1,990
Return on Equity (ROE)19.5913%490
Retained earnings to average equity (ytd only)-1.5167%4,641
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.5948%2,068
Assets per employee ($millions)3.5045%4,668
Cash dividends to net income (ytd only)*107.7419%222
Condition Ratios (%)
Loss allowance to loans0.7148%4,509
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets55.4906%2,961
Net loans and leases to deposits59.9835%3,391
Net loans and leases to core deposits62.6403%3,408
Total domestic deposits to total assets92.5096%66
Equity capital to assets7.4856%4,744
Core capital (leverage) ratio7.3084%4,778
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3221%2,897
Memoranda:
Average total assets$20,558,0004,912
Average earning assets$18,973,3334,897
Average equity$1,582,3334,936
Average total loans$11,935,0004,804
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3957%917
Cost of funding earning assets0.1067%4,616
Net interest margin4.2890%525
Noninterest income to average assets0.6101%2,166
Noninterest expense to average assets2.9916%1,010
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.5745%1,171
Return on assets (ROA)1.5745%1,229
Pretax return on assets1.5745%1,789
Return on Equity (ROE)20.1702%519
Retained earnings to average equity (ytd only)-1.7649%4,521
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5172%2,300
Assets per employee ($millions)2.6028%4,871
Cash dividends to net income (ytd only)*108.7500%366
Condition Ratios (%)
Loss allowance to loans0.7039%4,565
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets56.9062%2,924
Net loans and leases to deposits61.5916%3,363
Net loans and leases to core deposits64.3688%3,378
Total domestic deposits to total assets92.3927%83
Equity capital to assets7.5977%4,679
Core capital (leverage) ratio7.7282%4,708
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1932%2,891
Memoranda:
Average total assets$20,323,5004,939
Average earning assets$18,745,5004,924
Average equity$1,586,5004,962
Average total loans$12,026,5004,829
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0104%476
Cost of funding earning assets0.1197%4,814
Net interest margin4.8907%149
Noninterest income to average assets0.8371%1,430
Noninterest expense to average assets3.2333%998
Loan and lease loss provision to assets0.0501%3,753
Net operating income to assets2.0603%234
Return on assets (ROA)2.0603%253
Pretax return on assets2.0603%402
Return on Equity (ROE)25.6779%101
Retained earnings to average equity (ytd only)0.4998%4,369
Net charge-offs to loans0.1865%911
Credit loss provision to net charge-offs43.4783%3,174
Earnings coverage of net charge-offs (x)18.3043%2,030
Efficiency ratio60.5066%3,381
Assets per employee ($millions)3.3042%4,718
Cash dividends to net income (ytd only)*98.0535%273
Condition Ratios (%)
Loss allowance to loans0.6931%4,599
Loan loss allowance to noncurrent loans2,800.0000%314
Noncurrent assets plus other real estate owned to assets0.0151%4,333
Noncurrent loans to loans0.0248%4,229
Net loans and leases to total assets60.7112%2,769
Net loans and leases to deposits66.0158%3,270
Net loans and leases to core deposits69.1843%3,319
Total domestic deposits to total assets91.9647%76
Equity capital to assets8.0252%4,696
Core capital (leverage) ratio7.8070%4,730
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2310%2,858
Memoranda:
Average total assets$19,948,8004,955
Average earning assets$18,381,8004,942
Average equity$1,600,6004,981
Average total loans$12,332,2004,856
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1180%482
Cost of funding earning assets0.1231%4,871
Net interest margin4.9949%143
Noninterest income to average assets0.8742%1,298
Noninterest expense to average assets3.2499%978
Loan and lease loss provision to assets0.0651%3,525
Net operating income to assets2.1621%218
Return on assets (ROA)2.1621%233
Pretax return on assets2.1621%366
Return on Equity (ROE)26.9488%91
Retained earnings to average equity (ytd only)1.6635%4,040
Net charge-offs to loans0.0646%1,690
Credit loss provision to net charge-offs166.6667%2,239
Earnings coverage of net charge-offs (x)55.6667%1,134
Efficiency ratio59.3179%3,483
Assets per employee ($millions)3.4250%4,692
Cash dividends to net income (ytd only)*93.8272%378
Condition Ratios (%)
Loss allowance to loans0.8131%4,334
Loan loss allowance to noncurrent loans10,100.0000%86
Noncurrent assets plus other real estate owned to assets0.0049%4,499
Noncurrent loans to loans0.0081%4,416
Net loans and leases to total assets59.9562%3,234
Net loans and leases to deposits65.0459%3,697
Net loans and leases to core deposits68.0681%3,754
Total domestic deposits to total assets92.1752%43
Equity capital to assets7.8102%4,777
Core capital (leverage) ratio7.7920%4,789
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8777%2,942
Memoranda:
Average total assets$19,979,7504,982
Average earning assets$18,418,2504,969
Average equity$1,603,0005,013
Average total loans$12,385,2504,882
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2483%520
Cost of funding earning assets0.1309%4,924
Net interest margin5.1174%163
Noninterest income to average assets0.9096%1,141
Noninterest expense to average assets3.3149%969
Loan and lease loss provision to assets0.1011%3,005
Net operating income to assets2.2335%214
Return on assets (ROA)2.2335%236
Pretax return on assets2.2335%346
Return on Equity (ROE)27.5848%83
Retained earnings to average equity (ytd only)0.4993%4,213
Net charge-offs to loans0.0970%1,300
Credit loss provision to net charge-offs166.6667%2,046
Earnings coverage of net charge-offs (x)38.5000%1,276
Efficiency ratio58.6762%3,597
Assets per employee ($millions)3.4203%4,700
Cash dividends to net income (ytd only)*98.1900%502
Condition Ratios (%)
Loss allowance to loans0.8167%4,304
Loan loss allowance to noncurrent loans10,100.0000%73
Noncurrent assets plus other real estate owned to assets0.0049%4,571
Noncurrent loans to loans0.0081%4,489
Net loans and leases to total assets59.7700%3,356
Net loans and leases to deposits64.7966%3,820
Net loans and leases to core deposits67.8279%3,871
Total domestic deposits to total assets92.2425%37
Equity capital to assets7.7478%4,818
Core capital (leverage) ratio7.6168%4,878
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9623%2,980
Memoranda:
Average total assets$19,789,6675,014
Average earning assets$18,329,6674,999
Average equity$1,602,3335,047
Average total loans$12,373,0004,914
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5817%315
Cost of funding earning assets0.1557%4,959
Net interest margin5.4260%99
Noninterest income to average assets1.2562%553
Noninterest expense to average assets3.3568%1,132
Loan and lease loss provision to assets0.2059%1,484
Net operating income to assets2.7184%88
Return on assets (ROA)2.7184%90
Pretax return on assets2.7184%123
Return on Equity (ROE)32.8256%27
Retained earnings to average equity (ytd only)11.6879%459
Net charge-offs to loans0.1293%940
Credit loss provision to net charge-offs250.0000%1,279
Earnings coverage of net charge-offs (x)35.5000%1,083
Efficiency ratio53.4426%4,439
Assets per employee ($millions)3.4278%4,542
Cash dividends to net income (ytd only)*64.3939%1,304
Condition Ratios (%)
Loss allowance to loans0.8178%4,366
Loan loss allowance to noncurrent loans10,300.0000%71
Noncurrent assets plus other real estate owned to assets0.0049%4,621
Noncurrent loans to loans0.0079%4,544
Net loans and leases to total assets60.7381%3,429
Net loans and leases to deposits65.9800%3,866
Net loans and leases to core deposits69.0395%3,936
Total domestic deposits to total assets92.0552%36
Equity capital to assets7.9302%4,984
Core capital (leverage) ratio8.3346%4,874
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9711%3,108
Memoranda:
Average total assets$19,423,5005,062
Average earning assets$17,987,5005,051
Average equity$1,608,5005,094
Average total loans$12,376,0004,957
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9037%261
Cost of funding earning assets0.1822%4,995
Net interest margin5.7215%84
Noninterest income to average assets0.7868%1,486
Noninterest expense to average assets3.7438%720
Loan and lease loss provision to assets0.0528%2,976
Net operating income to assets2.2970%187
Return on assets (ROA)2.3287%188
Pretax return on assets2.3287%289
Return on Equity (ROE)27.5797%51
Retained earnings to average equity (ytd only)0.7505%4,471
Net charge-offs to loans0.0085%3,379
Credit loss provision to net charge-offs1,000.0000%339
Earnings coverage of net charge-offs (x)445.0000%209
Efficiency ratio61.4385%3,467
Assets per employee ($millions)3.0467%4,802
Cash dividends to net income (ytd only)*97.2789%361
Condition Ratios (%)
Loss allowance to loans0.7979%4,308
Loan loss allowance to noncurrent loans9,700.0000%84
Noncurrent assets plus other real estate owned to assets0.0055%4,654
Noncurrent loans to loans0.0082%4,561
Net loans and leases to total assets65.9737%2,958
Net loans and leases to deposits72.2459%3,503
Net loans and leases to core deposits76.0883%3,571
Total domestic deposits to total assets91.3184%82
Equity capital to assets8.6761%4,842
Core capital (leverage) ratio8.4597%4,862
Tier 1 risk-based capital ratio11.6097%4,569
Total risk-based capital ratio12.3256%4,723
Memoranda:
Average total assets$18,938,0005,125
Average earning assets$17,565,4005,109
Average equity$1,599,0005,155
Average total loans$11,810,2005,031
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8393%325
Cost of funding earning assets0.1653%5,096
Net interest margin5.6740%91
Noninterest income to average assets0.7608%1,559
Noninterest expense to average assets3.5248%919
Loan and lease loss provision to assets0.0698%2,479
Net operating income to assets2.4359%181
Return on assets (ROA)2.4778%178
Pretax return on assets2.4778%258
Return on Equity (ROE)29.5410%43
Retained earnings to average equity (ytd only)5.4923%2,627
Net charge-offs to loans0.0113%2,957
Credit loss provision to net charge-offs1,000.0000%346
Earnings coverage of net charge-offs (x)359.8872%273
Efficiency ratio58.4491%3,871
Assets per employee ($millions)3.1697%4,777
Cash dividends to net income (ytd only)*81.4079%615
Condition Ratios (%)
Loss allowance to loans0.8008%4,408
Loan loss allowance to noncurrent loans9,700.0000%85
Noncurrent assets plus other real estate owned to assets0.0053%4,748
Noncurrent loans to loans0.0083%4,645
Net loans and leases to total assets63.1822%3,366
Net loans and leases to deposits71.2101%3,670
Net loans and leases to core deposits74.3334%3,808
Total domestic deposits to total assets88.7265%727
Equity capital to assets8.6234%4,958
Core capital (leverage) ratio8.5506%4,923
Tier 1 risk-based capital ratio11.8603%4,483
Total risk-based capital ratio12.5674%4,656
Memoranda:
Average total assets$19,102,5005,202
Average earning assets$17,741,2505,188
Average equity$1,602,2505,233
Average total loans$11,723,5005,112
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6990%411
Cost of funding earning assets0.1461%5,168
Net interest margin5.5528%117
Noninterest income to average assets0.7423%1,548
Noninterest expense to average assets3.5650%886
Loan and lease loss provision to assets0.1045%1,790
Net operating income to assets2.2372%246
Return on assets (ROA)2.2372%256
Pretax return on assets2.2372%413
Return on Equity (ROE)26.9238%67
Retained earnings to average equity (ytd only)3.6486%3,430
Net charge-offs to loans0.0345%2,172
Credit loss provision to net charge-offs500.0000%590
Earnings coverage of net charge-offs (x)112.0000%640
Efficiency ratio60.3540%3,672
Assets per employee ($millions)3.1653%4,795
Cash dividends to net income (ytd only)*86.4486%690
Condition Ratios (%)
Loss allowance to loans0.8111%4,405
Loan loss allowance to noncurrent loans9,600.0000%86
Noncurrent assets plus other real estate owned to assets0.0053%4,788
Noncurrent loans to loans0.0084%4,685
Net loans and leases to total assets61.8155%3,561
Net loans and leases to deposits68.7917%3,920
Net loans and leases to core deposits71.7692%4,021
Total domestic deposits to total assets89.8589%375
Equity capital to assets8.4720%5,052
Core capital (leverage) ratio8.1110%5,133
Tier 1 risk-based capital ratio11.8216%4,514
Total risk-based capital ratio12.5353%4,688
Memoranda:
Average total assets$19,130,6705,247
Average earning assets$17,792,6705,234
Average equity$1,589,6705,280
Average total loans$11,593,6705,159
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6573%388
Cost of funding earning assets0.1578%5,198
Net interest margin5.4995%122
Noninterest income to average assets0.6458%1,834
Noninterest expense to average assets3.4375%1,056
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets2.2917%223
Return on assets (ROA)2.2917%235
Pretax return on assets2.2917%364
Return on Equity (ROE)27.8481%63
Retained earnings to average equity (ytd only)8.6076%1,448
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.0000%3,802
Assets per employee ($millions)3.2667%4,768
Cash dividends to net income (ytd only)*69.0909%1,136
Condition Ratios (%)
Loss allowance to loans0.8005%4,522
Loan loss allowance to noncurrent loans8,900.0000%93
Noncurrent assets plus other real estate owned to assets0.0051%4,857
Noncurrent loans to loans0.0090%4,748
Net loans and leases to total assets56.2704%4,044
Net loans and leases to deposits61.2790%4,345
Net loans and leases to core deposits62.2334%4,458
Total domestic deposits to total assets91.8265%69
Equity capital to assets8.1633%5,138
Core capital (leverage) ratio8.1318%5,167
Tier 1 risk-based capital ratio12.3748%4,249
Total risk-based capital ratio13.0658%4,459
Memoranda:
Average total assets$19,200,0005,304
Average earning assets$17,747,0005,290
Average equity$1,580,0005,340
Average total loans$11,472,5005,218
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0205%1,007
Cost of funding earning assets0.1491%5,172
Net interest margin4.8714%341
Noninterest income to average assets0.6827%1,922
Noninterest expense to average assets3.4798%1,017
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.6966%701
Return on assets (ROA)1.6966%693
Pretax return on assets1.6966%1,175
Return on Equity (ROE)21.3571%180
Retained earnings to average equity (ytd only)1.2186%4,646
Net charge-offs to loans-0.0272%4,781
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.2244%2,672
Assets per employee ($millions)3.1333%4,901
Cash dividends to net income (ytd only)*94.2943%361
Condition Ratios (%)
Loss allowance to loans0.7441%4,695
Loan loss allowance to noncurrent loans8,800.0000%103
Noncurrent assets plus other real estate owned to assets0.0053%4,894
Noncurrent loans to loans0.0085%4,778
Net loans and leases to total assets62.4415%3,524
Net loans and leases to deposits68.0956%3,971
Net loans and leases to core deposits69.1302%4,166
Total domestic deposits to total assets91.6968%96
Equity capital to assets8.2979%5,048
Core capital (leverage) ratio8.2305%5,155
Tier 1 risk-based capital ratio11.5733%4,684
Total risk-based capital ratio12.2257%4,879
Memoranda:
Average total assets$19,627,8005,346
Average earning assets$18,105,6005,334
Average equity$1,559,2005,382
Average total loans$11,038,0005,265
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8643%1,262
Cost of funding earning assets0.1532%5,210
Net interest margin4.7112%463
Noninterest income to average assets0.6587%2,031
Noninterest expense to average assets3.2804%1,342
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.7208%710
Return on assets (ROA)1.7208%716
Pretax return on assets1.7208%1,226
Return on Equity (ROE)21.8935%172
Retained earnings to average equity (ytd only)2.9076%4,268
Net charge-offs to loans-0.0123%4,453
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5914%2,943
Assets per employee ($millions)3.2175%4,870
Cash dividends to net income (ytd only)*86.7192%437
Condition Ratios (%)
Loss allowance to loans0.7810%4,688
Loan loss allowance to noncurrent loans8,700.0000%100
Noncurrent assets plus other real estate owned to assets0.0052%5,003
Noncurrent loans to loans0.0090%4,892
Net loans and leases to total assets57.2494%4,110
Net loans and leases to deposits62.3139%4,432
Net loans and leases to core deposits63.2338%4,562
Total domestic deposits to total assets91.8726%93
Equity capital to assets8.1171%5,128
Core capital (leverage) ratio8.1321%5,282
Tier 1 risk-based capital ratio12.6252%4,143
Total risk-based capital ratio13.3221%4,345
Memoranda:
Average total assets$19,834,7505,413
Average earning assets$18,282,2505,402
Average equity$1,559,0005,453
Average total loans$10,840,7505,334
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7033%1,504
Cost of funding earning assets0.1524%5,238
Net interest margin4.5509%622
Noninterest income to average assets0.6796%1,959
Noninterest expense to average assets3.2182%1,492
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.6391%827
Return on assets (ROA)1.6391%832
Pretax return on assets1.6391%1,379
Return on Equity (ROE)21.0752%201
Retained earnings to average equity (ytd only)3.0842%4,020
Net charge-offs to loans-0.0186%4,537
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2551%2,926
Assets per employee ($millions)3.3363%4,781
Cash dividends to net income (ytd only)*85.3659%602
Condition Ratios (%)
Loss allowance to loans0.7834%4,742
Loan loss allowance to noncurrent loans8,700.0000%97
Noncurrent assets plus other real estate owned to assets0.0050%5,029
Noncurrent loans to loans0.0090%4,917
Net loans and leases to total assets55.0405%4,243
Net loans and leases to deposits59.7117%4,545
Net loans and leases to core deposits60.5584%4,678
Total domestic deposits to total assets92.1770%72
Equity capital to assets7.8180%5,293
Core capital (leverage) ratio7.7227%5,411
Tier 1 risk-based capital ratio11.0844%5,009
Total risk-based capital ratio11.7002%5,192
Memoranda:
Average total assets$20,011,3305,479
Average earning assets$18,370,0005,467
Average equity$1,556,3305,515
Average total loans$10,741,3305,394
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6276%1,489
Cost of funding earning assets0.1528%5,252
Net interest margin4.4748%650
Noninterest income to average assets0.5998%2,259
Noninterest expense to average assets3.0788%1,880
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.6194%818
Return on assets (ROA)1.6194%820
Pretax return on assets1.6194%1,338
Return on Equity (ROE)20.8763%201
Retained earnings to average equity (ytd only)5.6701%2,859
Net charge-offs to loans-0.0379%4,848
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5319%3,246
Assets per employee ($millions)3.4430%4,743
Cash dividends to net income (ytd only)*72.8395%963
Condition Ratios (%)
Loss allowance to loans0.8168%4,741
Loan loss allowance to noncurrent loans8,700.0000%107
Noncurrent assets plus other real estate owned to assets0.4841%2,919
Noncurrent loans to loans0.0094%4,968
Net loans and leases to total assets51.1376%4,493
Net loans and leases to deposits55.3205%4,732
Net loans and leases to core deposits56.0781%4,838
Total domestic deposits to total assets92.4388%67
Equity capital to assets7.5516%5,402
Core capital (leverage) ratio7.8636%5,428
Tier 1 risk-based capital ratio12.1400%4,465
Total risk-based capital ratio12.8153%4,721
Memoranda:
Average total assets$20,008,0005,541
Average earning assets$18,325,0005,530
Average equity$1,552,0005,576
Average total loans$10,559,5005,463
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4389%1,916
Cost of funding earning assets0.1574%5,220
Net interest margin4.2815%1,005
Noninterest income to average assets0.6523%2,186
Noninterest expense to average assets3.1300%1,774
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets1.4944%814
Return on assets (ROA)1.4944%836
Pretax return on assets1.4944%1,664
Return on Equity (ROE)19.5941%208
Retained earnings to average equity (ytd only)0.3829%4,877
Net charge-offs to loans0.0095%3,757
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)307.0000%280
Efficiency ratio67.6842%2,959
Assets per employee ($millions)3.2263%5,008
Cash dividends to net income (ytd only)*98.0456%390
Condition Ratios (%)
Loss allowance to loans0.8216%4,767
Loan loss allowance to noncurrent loans8,600.0000%112
Noncurrent assets plus other real estate owned to assets0.5166%2,834
Noncurrent loans to loans0.0096%5,001
Net loans and leases to total assets53.6316%4,389
Net loans and leases to deposits58.2865%4,675
Net loans and leases to core deposits58.2865%4,837
Total domestic deposits to total assets92.0136%81
Equity capital to assets7.9760%5,402
Core capital (leverage) ratio7.8401%5,485
Tier 1 risk-based capital ratio12.3449%4,297
Total risk-based capital ratio13.0334%4,549
Memoranda:
Average total assets$20,543,0005,598
Average earning assets$19,058,8005,581
Average equity$1,566,8005,642
Average total loans$10,518,2005,527
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3692%2,047
Cost of funding earning assets0.1514%5,304
Net interest margin4.2178%1,116
Noninterest income to average assets0.6270%2,328
Noninterest expense to average assets2.9687%2,195
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.5803%753
Return on assets (ROA)1.5803%766
Pretax return on assets1.5803%1,486
Return on Equity (ROE)20.9431%178
Retained earnings to average equity (ytd only)3.4766%3,852
Net charge-offs to loans0.0126%3,287
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)247.6165%357
Efficiency ratio65.2602%3,332
Assets per employee ($millions)3.3623%4,898
Cash dividends to net income (ytd only)*83.3996%563
Condition Ratios (%)
Loss allowance to loans0.8019%4,885
Loan loss allowance to noncurrent loans8,500.0000%105
Noncurrent assets plus other real estate owned to assets0.4957%3,079
Noncurrent loans to loans0.0094%5,102
Net loans and leases to total assets52.1215%4,557
Net loans and leases to deposits56.6388%4,833
Net loans and leases to core deposits56.6388%4,964
Total domestic deposits to total assets92.0244%58
Equity capital to assets7.9657%5,529
Core capital (leverage) ratio7.6961%5,594
Tier 1 risk-based capital ratio12.8829%4,095
Total risk-based capital ratio13.5773%4,327
Memoranda:
Average total assets$20,839,2505,663
Average earning assets$19,377,5005,639
Average equity$1,572,5005,708
Average total loans$10,530,7505,588
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2309%2,353
Cost of funding earning assets0.1427%5,382
Net interest margin4.0882%1,361
Noninterest income to average assets0.5983%2,467
Noninterest expense to average assets2.9628%2,222
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.4434%967
Return on assets (ROA)1.4434%992
Pretax return on assets1.4434%1,846
Return on Equity (ROE)19.4747%242
Retained earnings to average equity (ytd only)2.5625%4,155
Net charge-offs to loans0.0190%2,865
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)152.0000%500
Efficiency ratio67.2414%3,143
Assets per employee ($millions)3.4817%4,745
Cash dividends to net income (ytd only)*86.8421%695
Condition Ratios (%)
Loss allowance to loans0.8024%4,949
Loan loss allowance to noncurrent loans8,500.0000%93
Noncurrent assets plus other real estate owned to assets0.4787%3,180
Noncurrent loans to loans0.0094%5,146
Net loans and leases to total assets50.3016%4,687
Net loans and leases to deposits54.4371%4,938
Net loans and leases to core deposits55.1862%5,037
Total domestic deposits to total assets92.4031%44
Equity capital to assets7.5874%5,641
Core capital (leverage) ratio7.2568%5,686
Tier 1 risk-based capital ratio11.1095%5,196
Total risk-based capital ratio11.7164%5,398
Memoranda:
Average total assets$21,061,0005,701
Average earning assets$19,617,6705,686
Average equity$1,561,0005,759
Average total loans$10,507,6705,634
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1754%2,359
Cost of funding earning assets0.1419%5,423
Net interest margin4.0335%1,387
Noninterest income to average assets0.5486%2,673
Noninterest expense to average assets2.8563%2,595
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.4565%879
Return on assets (ROA)1.4565%905
Pretax return on assets1.4565%1,675
Return on Equity (ROE)19.8838%233
Retained earnings to average equity (ytd only)5.6811%2,499
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2281%3,462
Assets per employee ($millions)3.6358%4,595
Cash dividends to net income (ytd only)*71.4286%1,138
Condition Ratios (%)
Loss allowance to loans0.8187%5,012
Loan loss allowance to noncurrent loans8,600.0000%113
Noncurrent assets plus other real estate owned to assets0.4401%3,431
Noncurrent loans to loans0.0095%5,211
Net loans and leases to total assets47.7607%4,844
Net loans and leases to deposits51.4874%5,054
Net loans and leases to core deposits52.1628%5,137
Total domestic deposits to total assets92.7619%45
Equity capital to assets7.2152%5,730
Core capital (leverage) ratio7.4297%5,718
Tier 1 risk-based capital ratio11.9579%4,745
Total risk-based capital ratio12.6180%5,011
Memoranda:
Average total assets$21,146,5005,771
Average earning assets$19,734,5005,753
Average equity$1,549,0005,824
Average total loans$10,465,0005,696
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1715%2,577
Cost of funding earning assets0.1604%5,353
Net interest margin4.0111%1,607
Noninterest income to average assets0.9302%1,322
Noninterest expense to average assets3.0255%2,275
Loan and lease loss provision to assets0.0479%3,436
Net operating income to assets1.5727%725
Return on assets (ROA)1.5727%756
Pretax return on assets1.5727%1,364
Return on Equity (ROE)20.9960%180
Retained earnings to average equity (ytd only)-0.4481%5,371
Net charge-offs to loans0.1629%1,657
Credit loss provision to net charge-offs58.8235%3,264
Earnings coverage of net charge-offs (x)19.8824%1,890
Efficiency ratio65.1187%3,742
Assets per employee ($millions)3.4130%4,883
Cash dividends to net income (ytd only)*102.1341%340
Condition Ratios (%)
Loss allowance to loans0.8249%5,036
Loan loss allowance to noncurrent loans8,600.0000%106
Noncurrent assets plus other real estate owned to assets0.4541%3,446
Noncurrent loans to loans0.0096%5,256
Net loans and leases to total assets50.4883%4,727
Net loans and leases to deposits54.5507%4,988
Net loans and leases to core deposits55.3154%5,085
Total domestic deposits to total assets92.5530%61
Equity capital to assets7.4421%5,725
Core capital (leverage) ratio7.5055%5,749
Tier 1 risk-based capital ratio12.0935%4,666
Total risk-based capital ratio12.7706%4,942
Memoranda:
Average total assets$20,856,0005,828
Average earning assets$19,321,4005,814
Average equity$1,562,2005,886
Average total loans$10,437,2005,758
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1534%2,670
Cost of funding earning assets0.1587%5,422
Net interest margin3.9947%1,673
Noninterest income to average assets0.8974%1,414
Noninterest expense to average assets2.8511%2,822
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.7310%562
Return on assets (ROA)1.7310%595
Pretax return on assets1.7310%1,033
Return on Equity (ROE)23.0736%125
Retained earnings to average equity (ytd only)3.7328%3,653
Net charge-offs to loans0.1022%1,925
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)33.9888%1,376
Efficiency ratio62.2222%4,188
Assets per employee ($millions)3.4810%4,799
Cash dividends to net income (ytd only)*83.8223%642
Condition Ratios (%)
Loss allowance to loans0.8401%5,072
Loan loss allowance to noncurrent loans8,500.0000%88
Noncurrent assets plus other real estate owned to assets0.4453%3,642
Noncurrent loans to loans0.0099%5,367
Net loans and leases to total assets48.0370%4,957
Net loans and leases to deposits52.0438%5,199
Net loans and leases to core deposits52.7608%5,278
Total domestic deposits to total assets92.3011%57
Equity capital to assets7.6511%5,820
Core capital (leverage) ratio7.7252%5,781
Tier 1 risk-based capital ratio12.7274%4,327
Total risk-based capital ratio13.4087%4,598
Memoranda:
Average total assets$20,950,5005,892
Average earning assets$19,325,2505,877
Average equity$1,571,7505,952
Average total loans$10,440,2505,820
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1604%2,638
Cost of funding earning assets0.1648%5,460
Net interest margin3.9956%1,657
Noninterest income to average assets0.6962%2,160
Noninterest expense to average assets2.8610%2,805
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.5354%836
Return on assets (ROA)1.5640%826
Pretax return on assets1.5640%1,480
Return on Equity (ROE)20.9853%195
Retained earnings to average equity (ytd only)1.5355%4,765
Net charge-offs to loans0.0569%2,377
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)53.6667%949
Efficiency ratio65.0759%3,833
Assets per employee ($millions)3.4627%4,815
Cash dividends to net income (ytd only)*92.6829%633
Condition Ratios (%)
Loss allowance to loans0.8758%5,025
Loan loss allowance to noncurrent loans9,000.0000%91
Noncurrent assets plus other real estate owned to assets0.4476%3,723
Noncurrent loans to loans0.0097%5,464
Net loans and leases to total assets49.0277%4,909
Net loans and leases to deposits53.0493%5,195
Net loans and leases to core deposits53.7804%5,291
Total domestic deposits to total assets92.4191%59
Equity capital to assets7.5712%5,902
Core capital (leverage) ratio7.3800%5,900
Tier 1 risk-based capital ratio12.2887%4,654
Total risk-based capital ratio12.9995%4,888
Memoranda:
Average total assets$20,972,0005,966
Average earning assets$19,421,3305,949
Average equity$1,563,0006,028
Average total loans$10,547,6705,890
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2122%2,423
Cost of funding earning assets0.1636%5,523
Net interest margin4.0487%1,481
Noninterest income to average assets0.6455%2,289
Noninterest expense to average assets2.7337%3,297
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.6706%613
Return on assets (ROA)1.6706%649
Pretax return on assets1.6706%1,129
Return on Equity (ROE)22.5931%143
Retained earnings to average equity (ytd only)5.9050%2,421
Net charge-offs to loans-0.0749%5,523
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.0690%4,432
Assets per employee ($millions)3.5288%4,773
Cash dividends to net income (ytd only)*73.8636%1,110
Condition Ratios (%)
Loss allowance to loans0.9080%5,036
Loan loss allowance to noncurrent loans9,500.0000%86
Noncurrent assets plus other real estate owned to assets0.0047%5,658
Noncurrent loans to loans0.0096%5,482
Net loans and leases to total assets48.9633%4,894
Net loans and leases to deposits52.9199%5,171
Net loans and leases to core deposits53.6344%5,277
Total domestic deposits to total assets92.5235%62
Equity capital to assets7.4576%5,955
Core capital (leverage) ratio7.3840%5,945
Tier 1 risk-based capital ratio10.7940%5,609
Total risk-based capital ratio11.4489%5,793
Memoranda:
Average total assets$21,070,0006,026
Average earning assets$19,562,0006,007
Average equity$1,558,0006,089
Average total loans$10,683,5005,948
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0579%3,082
Cost of funding earning assets0.1584%5,631
Net interest margin3.8995%2,033
Noninterest income to average assets0.6854%2,270
Noninterest expense to average assets2.6952%3,595
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.6394%648
Return on assets (ROA)1.6394%667
Pretax return on assets1.6394%1,138
Return on Equity (ROE)23.0169%136
Retained earnings to average equity (ytd only)-0.6502%5,617
Net charge-offs to loans0.1758%1,634
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)18.6316%1,998
Efficiency ratio62.1795%4,575
Assets per employee ($millions)3.4945%4,849
Cash dividends to net income (ytd only)*102.8249%360
Condition Ratios (%)
Loss allowance to loans0.8528%5,259
Loan loss allowance to noncurrent loans9,300.0000%103
Noncurrent assets plus other real estate owned to assets0.0048%5,700
Noncurrent loans to loans0.0092%5,499
Net loans and leases to total assets51.5667%4,731
Net loans and leases to deposits55.6516%5,069
Net loans and leases to core deposits56.4095%5,179
Total domestic deposits to total assets92.6599%59
Equity capital to assets7.3306%6,006
Core capital (leverage) ratio7.3316%6,006
Tier 1 risk-based capital ratio10.4236%5,812
Total risk-based capital ratio11.0518%5,965
Memoranda:
Average total assets$21,593,6006,074
Average earning assets$20,207,6006,060
Average equity$1,538,0006,146
Average total loans$10,810,4005,999
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0149%3,286
Cost of funding earning assets0.1502%5,776
Net interest margin3.8647%2,141
Noninterest income to average assets0.6621%2,420
Noninterest expense to average assets2.5256%4,114
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.7655%561
Return on assets (ROA)1.7655%576
Pretax return on assets1.7655%962
Return on Equity (ROE)24.9628%116
Retained earnings to average equity (ytd only)1.6467%5,043
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.8571%5,022
Assets per employee ($millions)3.5135%4,771
Cash dividends to net income (ytd only)*93.4035%469
Condition Ratios (%)
Loss allowance to loans1.0388%4,533
Loan loss allowance to noncurrent loans11,200.0000%86
Noncurrent assets plus other real estate owned to assets0.0047%5,795
Noncurrent loans to loans0.0093%5,605
Net loans and leases to total assets50.6143%4,882
Net loans and leases to deposits54.6591%5,209
Net loans and leases to core deposits55.3998%5,338
Total domestic deposits to total assets92.6000%56
Equity capital to assets7.3716%6,094
Core capital (leverage) ratio7.2503%6,097
Tier 1 risk-based capital ratio12.1409%5,001
Total risk-based capital ratio13.0059%5,154
Memoranda:
Average total assets$21,750,2506,159
Average earning assets$20,423,5006,142
Average equity$1,538,2506,231
Average total loans$10,786,7506,077
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9338%3,557
Cost of funding earning assets0.1543%5,820
Net interest margin3.7795%2,404
Noninterest income to average assets0.6735%2,333
Noninterest expense to average assets2.4939%4,258
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.7476%574
Return on assets (ROA)1.7476%602
Pretax return on assets1.7476%983
Return on Equity (ROE)25.0489%119
Retained earnings to average equity (ytd only)1.6960%4,850
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.7983%5,137
Assets per employee ($millions)3.6588%4,518
Cash dividends to net income (ytd only)*93.2292%640
Condition Ratios (%)
Loss allowance to loans1.0616%4,532
Loan loss allowance to noncurrent loans11,200.0000%59
Noncurrent assets plus other real estate owned to assets0.0046%5,890
Noncurrent loans to loans0.0095%5,730
Net loans and leases to total assets47.5470%5,143
Net loans and leases to deposits51.0965%5,444
Net loans and leases to core deposits51.7553%5,550
Total domestic deposits to total assets93.0533%52
Equity capital to assets6.9330%6,202
Core capital (leverage) ratio6.9557%6,196
Tier 1 risk-based capital ratio12.0508%5,107
Total risk-based capital ratio12.9182%5,274
Memoranda:
Average total assets$21,973,3306,230
Average earning assets$20,743,3306,201
Average equity$1,533,0006,307
Average total loans$10,788,3306,146
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9077%3,571
Cost of funding earning assets0.1532%5,907
Net interest margin3.7544%2,414
Noninterest income to average assets0.6550%2,383
Noninterest expense to average assets2.3836%4,640
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.8377%452
Return on assets (ROA)1.8377%480
Pretax return on assets1.8377%813
Return on Equity (ROE)26.2593%90
Retained earnings to average equity (ytd only)5.7199%2,649
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.4655%5,482
Assets per employee ($millions)3.7125%4,490
Cash dividends to net income (ytd only)*78.2178%1,010
Condition Ratios (%)
Loss allowance to loans1.0664%4,677
Loan loss allowance to noncurrent loans11,200.0000%64
Noncurrent assets plus other real estate owned to assets0.0045%5,951
Noncurrent loans to loans0.0095%5,769
Net loans and leases to total assets46.6487%5,146
Net loans and leases to deposits50.1738%5,452
Net loans and leases to core deposits50.8117%5,552
Total domestic deposits to total assets92.9742%61
Equity capital to assets7.0079%6,262
Core capital (leverage) ratio7.0585%6,232
Tier 1 risk-based capital ratio10.5739%5,993
Total risk-based capital ratio11.3302%6,098
Memoranda:
Average total assets$21,983,5006,295
Average earning assets$20,882,0006,265
Average equity$1,538,5006,373
Average total loans$10,907,5006,208
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0553%3,504
Cost of funding earning assets0.1569%6,057
Net interest margin3.8984%2,247
Noninterest income to average assets0.6778%2,413
Noninterest expense to average assets2.6555%4,022
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets1.7131%568
Return on assets (ROA)1.7131%587
Pretax return on assets1.7131%960
Return on Equity (ROE)24.3243%121
Retained earnings to average equity (ytd only)0.2637%5,662
Net charge-offs to loans0.3973%1,078
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)8.5814%2,856
Efficiency ratio60.7864%5,103
Assets per employee ($millions)3.6153%4,693
Cash dividends to net income (ytd only)*98.9160%376
Condition Ratios (%)
Loss allowance to loans0.9901%5,112
Loan loss allowance to noncurrent loans11,200.0000%83
Noncurrent assets plus other real estate owned to assets0.0046%6,073
Noncurrent loans to loans0.0088%5,888
Net loans and leases to total assets51.6319%4,818
Net loans and leases to deposits55.5170%5,210
Net loans and leases to core deposits56.2418%5,367
Total domestic deposits to total assets93.0020%67
Equity capital to assets6.9888%6,329
Core capital (leverage) ratio7.1270%6,290
Tier 1 risk-based capital ratio11.5589%5,626
Total risk-based capital ratio12.3979%5,783
Memoranda:
Average total assets$21,540,0006,388
Average earning assets$20,393,2006,363
Average equity$1,517,0006,458
Average total loans$10,822,2006,292
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0047%3,739
Cost of funding earning assets0.1573%6,140
Net interest margin3.8474%2,441
Noninterest income to average assets0.6573%2,535
Noninterest expense to average assets2.5051%4,512
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.7920%521
Return on assets (ROA)1.7920%533
Pretax return on assets1.7920%910
Return on Equity (ROE)25.3959%96
Retained earnings to average equity (ytd only)2.5487%4,770
Net charge-offs to loans0.4237%942
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)8.5003%2,787
Efficiency ratio58.2973%5,405
Assets per employee ($millions)3.5662%4,743
Cash dividends to net income (ytd only)*89.9668%525
Condition Ratios (%)
Loss allowance to loans1.0562%4,960
Loan loss allowance to noncurrent loans12,100.0000%66
Noncurrent assets plus other real estate owned to assets0.0047%6,186
Noncurrent loans to loans0.0087%6,007
Net loans and leases to total assets52.9747%4,699
Net loans and leases to deposits57.1407%5,166
Net loans and leases to core deposits58.7214%5,291
Total domestic deposits to total assets92.7093%99
Equity capital to assets7.2674%6,344
Core capital (leverage) ratio7.3383%6,321
Tier 1 risk-based capital ratio11.5597%5,761
Total risk-based capital ratio12.4512%5,857
Memoranda:
Average total assets$21,502,0006,466
Average earning assets$20,342,5006,439
Average equity$1,517,2506,536
Average total loans$10,699,7506,369
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9834%3,797
Cost of funding earning assets0.1574%6,216
Net interest margin3.8260%2,458
Noninterest income to average assets0.6222%2,697
Noninterest expense to average assets2.5259%4,495
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.7087%566
Return on assets (ROA)1.7087%589
Pretax return on assets1.7087%1,004
Return on Equity (ROE)24.4572%123
Retained earnings to average equity (ytd only)1.8609%4,957
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.6491%5,345
Assets per employee ($millions)3.6160%4,625
Cash dividends to net income (ytd only)*92.3913%643
Condition Ratios (%)
Loss allowance to loans1.4850%2,973
Loan loss allowance to noncurrent loans15,500.0000%48
Noncurrent assets plus other real estate owned to assets0.0046%6,254
Noncurrent loans to loans0.0096%6,061
Net loans and leases to total assets47.3958%5,228
Net loans and leases to deposits50.9918%5,560
Net loans and leases to core deposits52.3761%5,649
Total domestic deposits to total assets92.9480%85
Equity capital to assets7.0382%6,439
Core capital (leverage) ratio7.0891%6,413
Tier 1 risk-based capital ratio10.9237%6,080
Total risk-based capital ratio12.0132%6,098
Memoranda:
Average total assets$21,537,0006,531
Average earning assets$20,334,3306,505
Average equity$1,504,6706,601
Average total loans$10,447,6706,439
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9347%3,949
Cost of funding earning assets0.1377%6,413
Net interest margin3.7970%2,483
Noninterest income to average assets0.5779%2,869
Noninterest expense to average assets2.4420%4,808
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.7337%541
Return on assets (ROA)1.7337%560
Pretax return on assets1.7337%910
Return on Equity (ROE)24.9079%121
Retained earnings to average equity (ytd only)1.6070%4,967
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.4821%5,602
Assets per employee ($millions)3.6293%4,661
Cash dividends to net income (ytd only)*93.5484%774
Condition Ratios (%)
Loss allowance to loans1.4590%3,336
Loan loss allowance to noncurrent loans15,500.0000%54
Noncurrent assets plus other real estate owned to assets0.0046%6,324
Noncurrent loans to loans0.0094%6,147
Net loans and leases to total assets48.0759%5,118
Net loans and leases to deposits51.7141%5,475
Net loans and leases to core deposits53.1125%5,559
Total domestic deposits to total assets92.9647%119
Equity capital to assets7.0169%6,444
Core capital (leverage) ratio7.0394%6,459
Tier 1 risk-based capital ratio11.9134%5,700
Total risk-based capital ratio13.1078%5,659
Memoranda:
Average total assets$21,457,5006,604
Average earning assets$20,332,0006,575
Average equity$1,493,5006,666
Average total loans$10,452,5006,504
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9560%4,260
Cost of funding earning assets0.1722%6,429
Net interest margin3.7838%2,713
Noninterest income to average assets0.6936%2,574
Noninterest expense to average assets2.3679%5,173
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.8991%398
Return on assets (ROA)1.8991%414
Pretax return on assets1.8991%602
Return on Equity (ROE)26.7304%103
Retained earnings to average equity (ytd only)5.3865%2,359
Net charge-offs to loans-0.0201%6,143
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.4933%5,998
Assets per employee ($millions)3.5232%4,852
Cash dividends to net income (ytd only)*79.8489%927
Condition Ratios (%)
Loss allowance to loans1.5076%3,141
Loan loss allowance to noncurrent loans15,500.0000%45
Noncurrent assets plus other real estate owned to assets0.0047%6,425
Noncurrent loans to loans0.0097%6,260
Net loans and leases to total assets47.9020%5,305
Net loans and leases to deposits51.4637%5,664
Net loans and leases to core deposits52.8966%5,737
Total domestic deposits to total assets93.0791%129
Equity capital to assets6.9019%6,484
Core capital (leverage) ratio7.1635%6,484
Tier 1 risk-based capital ratio12.2075%5,492
Total risk-based capital ratio13.4370%5,435
Memoranda:
Average total assets$20,904,6006,687
Average earning assets$19,742,0006,661
Average equity$1,485,2006,758
Average total loans$9,965,8006,592
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9315%4,382
Cost of funding earning assets0.1760%6,520
Net interest margin3.7555%2,821
Noninterest income to average assets0.6332%2,969
Noninterest expense to average assets2.1427%5,740
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets2.0403%338
Return on assets (ROA)2.0403%349
Pretax return on assets2.0403%529
Return on Equity (ROE)28.5115%84
Retained earnings to average equity (ytd only)9.8314%826
Net charge-offs to loans-0.0270%6,140
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.2232%6,318
Assets per employee ($millions)3.5710%4,712
Cash dividends to net income (ytd only)*65.5177%1,243
Condition Ratios (%)
Loss allowance to loans1.5229%3,365
Loan loss allowance to noncurrent loans15,500.0000%56
Noncurrent assets plus other real estate owned to assets0.0047%6,508
Noncurrent loans to loans0.0098%6,347
Net loans and leases to total assets46.7796%5,466
Net loans and leases to deposits50.1953%5,822
Net loans and leases to core deposits51.5719%5,912
Total domestic deposits to total assets93.1952%112
Equity capital to assets6.7815%6,596
Core capital (leverage) ratio7.4526%6,466
Tier 1 risk-based capital ratio12.3836%5,529
Total risk-based capital ratio13.6069%5,478
Memoranda:
Average total assets$20,846,0006,763
Average earning assets$19,703,7506,736
Average equity$1,491,7506,837
Average total loans$9,887,0006,672
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8751%4,569
Cost of funding earning assets0.1743%6,604
Net interest margin3.7008%2,956
Noninterest income to average assets0.6295%3,020
Noninterest expense to average assets2.0917%5,882
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets2.0336%341
Return on assets (ROA)2.0336%359
Pretax return on assets2.0336%568
Return on Equity (ROE)27.9131%89
Retained earnings to average equity (ytd only)16.3491%180
Net charge-offs to loans-0.0409%6,197
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.7042%6,373
Assets per employee ($millions)3.4317%4,991
Cash dividends to net income (ytd only)*41.4286%2,194
Condition Ratios (%)
Loss allowance to loans1.5388%3,406
Loan loss allowance to noncurrent loans15,500.0000%56
Noncurrent assets plus other real estate owned to assets0.0049%6,555
Noncurrent loans to loans0.0099%6,408
Net loans and leases to total assets48.1690%5,314
Net loans and leases to deposits51.9839%5,689
Net loans and leases to core deposits53.4750%5,796
Total domestic deposits to total assets92.6615%161
Equity capital to assets7.3142%6,507
Core capital (leverage) ratio7.6087%6,412
Tier 1 risk-based capital ratio13.3367%4,891
Total risk-based capital ratio14.5928%4,831
Memoranda:
Average total assets$20,652,6706,813
Average earning assets$19,509,3306,788
Average equity$1,504,6706,883
Average total loans$9,790,0006,719
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8144%4,779
Cost of funding earning assets0.1846%6,650
Net interest margin3.6298%3,141
Noninterest income to average assets0.6188%3,034
Noninterest expense to average assets2.3593%5,241
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.6825%608
Return on assets (ROA)1.6825%670
Pretax return on assets1.6825%1,120
Return on Equity (ROE)23.1383%162
Retained earnings to average equity (ytd only)23.1383%82
Net charge-offs to loans-0.0829%6,363
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.3732%5,801
Assets per employee ($millions)3.5758%4,826
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.6104%3,362
Loan loss allowance to noncurrent loans15,500.0000%48
Noncurrent assets plus other real estate owned to assets0.0047%6,623
Noncurrent loans to loans0.0104%6,476
Net loans and leases to total assets44.1389%5,648
Net loans and leases to deposits47.6119%5,950
Net loans and leases to core deposits48.9178%6,037
Total domestic deposits to total assets92.7057%152
Equity capital to assets7.2710%6,655
Core capital (leverage) ratio7.4705%6,484
Tier 1 risk-based capital ratio12.6306%5,488
Total risk-based capital ratio13.8880%5,436
Memoranda:
Average total assets$20,684,0006,889
Average earning assets$19,505,0006,862
Average equity$1,504,0006,953
Average total loans$9,648,5006,790
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1242%4,862
Cost of funding earning assets0.2691%6,594
Net interest margin3.8551%3,001
Noninterest income to average assets0.6471%3,006
Noninterest expense to average assets2.4899%5,134
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets1.7911%516
Return on assets (ROA)1.7911%582
Pretax return on assets1.7911%936
Return on Equity (ROE)22.8142%191
Retained earnings to average equity (ytd only)-4.6815%6,403
Net charge-offs to loans0.0216%5,600
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)173.0000%242
Efficiency ratio58.1620%5,808
Assets per employee ($millions)3.3188%5,383
Cash dividends to net income (ytd only)*120.5202%321
Condition Ratios (%)
Loss allowance to loans1.5819%3,397
Loan loss allowance to noncurrent loans15,300.0000%40
Noncurrent assets plus other real estate owned to assets0.0050%6,691
Noncurrent loans to loans0.0103%6,537
Net loans and leases to total assets47.8029%5,430
Net loans and leases to deposits51.5600%5,837
Net loans and leases to core deposits53.0839%5,935
Total domestic deposits to total assets92.7133%159
Equity capital to assets7.2716%6,701
Core capital (leverage) ratio7.2028%6,632
Tier 1 risk-based capital ratio12.7246%5,313
Total risk-based capital ratio13.9805%5,241
Memoranda:
Average total assets$19,318,2006,967
Average earning assets$18,209,8006,933
Average equity$1,516,6007,025
Average total loans$9,252,4006,870
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1310%5,076
Cost of funding earning assets0.2803%6,694
Net interest margin3.8506%3,118
Noninterest income to average assets0.6329%3,088
Noninterest expense to average assets2.4691%5,183
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.7945%573
Return on assets (ROA)1.7945%643
Pretax return on assets1.7945%1,060
Return on Equity (ROE)22.4280%218
Retained earnings to average equity (ytd only)0.5216%5,931
Net charge-offs to loans0.0292%5,252
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)128.8352%340
Efficiency ratio57.9119%5,803
Assets per employee ($millions)3.3022%5,438
Cash dividends to net income (ytd only)*97.6744%362
Condition Ratios (%)
Loss allowance to loans1.7095%3,119
Loan loss allowance to noncurrent loans15,300.0000%35
Noncurrent assets plus other real estate owned to assets0.0050%6,788
Noncurrent loans to loans0.0112%6,633
Net loans and leases to total assets44.4001%5,935
Net loans and leases to deposits48.0947%6,250
Net loans and leases to core deposits49.5299%6,307
Total domestic deposits to total assets92.3182%170
Equity capital to assets7.6515%6,726
Core capital (leverage) ratio7.6877%6,532
Tier 1 risk-based capital ratio13.4195%4,935
Total risk-based capital ratio14.6776%4,885
Memoranda:
Average total assets$19,169,5007,066
Average earning assets$18,074,5007,028
Average equity$1,533,7507,119
Average total loans$9,147,5006,969
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2040%4,939
Cost of funding earning assets0.3027%6,730
Net interest margin3.9013%2,900
Noninterest income to average assets0.6753%2,801
Noninterest expense to average assets2.5218%5,067
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.8254%535
Return on assets (ROA)1.8254%605
Pretax return on assets1.8254%989
Return on Equity (ROE)22.4723%230
Retained earnings to average equity (ytd only)0.5196%5,862
Net charge-offs to loans0.0651%4,523
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)57.6667%657
Efficiency ratio58.0097%5,875
Assets per employee ($millions)3.2488%5,558
Cash dividends to net income (ytd only)*97.6879%460
Condition Ratios (%)
Loss allowance to loans1.6246%3,514
Loan loss allowance to noncurrent loans15,200.0000%48
Noncurrent assets plus other real estate owned to assets0.0051%6,846
Noncurrent loans to loans0.0107%6,680
Net loans and leases to total assets47.2169%5,693
Net loans and leases to deposits51.2643%6,079
Net loans and leases to core deposits52.8176%6,176
Total domestic deposits to total assets92.1049%208
Equity capital to assets7.8746%6,641
Core capital (leverage) ratio7.9072%6,363
Tier 1 risk-based capital ratio13.0077%5,186
Total risk-based capital ratio14.2627%5,151
Memoranda:
Average total assets$18,955,0007,125
Average earning assets$17,840,3307,094
Average equity$1,539,6707,173
Average total loans$9,213,3307,029
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3163%4,676
Cost of funding earning assets0.2953%6,854
Net interest margin4.0210%2,411
Noninterest income to average assets0.7064%2,634
Noninterest expense to average assets2.5902%4,857
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.9052%491
Return on assets (ROA)1.9052%564
Pretax return on assets1.9052%868
Return on Equity (ROE)23.0869%243
Retained earnings to average equity (ytd only)2.3346%5,096
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6190%5,964
Assets per employee ($millions)3.2093%5,750
Cash dividends to net income (ytd only)*89.8876%673
Condition Ratios (%)
Loss allowance to loans1.6867%3,401
Loan loss allowance to noncurrent loans15,400.0000%39
Noncurrent assets plus other real estate owned to assets0.0052%6,933
Noncurrent loans to loans0.0110%6,763
Net loans and leases to total assets46.6140%5,714
Net loans and leases to deposits50.6775%6,091
Net loans and leases to core deposits52.2316%6,186
Total domestic deposits to total assets91.9817%263
Equity capital to assets7.9923%6,530
Core capital (leverage) ratio8.1425%6,103
Tier 1 risk-based capital ratio13.1500%5,096
Total risk-based capital ratio14.4053%5,062
Memoranda:
Average total assets$18,686,0007,186
Average earning assets$17,607,5007,157
Average equity$1,542,0007,228
Average total loans$9,142,0007,095
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4499%5,249
Cost of funding earning assets0.5313%6,415
Net interest margin3.9186%3,264
Noninterest income to average assets0.7347%2,419
Noninterest expense to average assets2.5979%5,105
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets1.8526%422
Return on assets (ROA)1.8526%455
Pretax return on assets1.8526%729
Return on Equity (ROE)22.6776%165
Retained earnings to average equity (ytd only)0.4497%5,622
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.3726%6,001
Assets per employee ($millions)3.0193%6,043
Cash dividends to net income (ytd only)*98.0170%375
Condition Ratios (%)
Loss allowance to loans1.6823%3,268
Loan loss allowance to noncurrent loans15,400.0000%41
Noncurrent assets plus other real estate owned to assets0.0055%6,984
Noncurrent loans to loans0.0109%6,821
Net loans and leases to total assets49.6798%5,632
Net loans and leases to deposits54.3380%6,036
Net loans and leases to core deposits55.1978%6,214
Total domestic deposits to total assets91.4275%353
Equity capital to assets8.5284%6,106
Core capital (leverage) ratio8.1644%6,048
Tier 1 risk-based capital ratio13.5410%4,667
Total risk-based capital ratio14.7978%4,632
Memoranda:
Average total assets$19,054,2007,222
Average earning assets$18,067,8007,182
Average equity$1,556,6007,282
Average total loans$9,452,8007,132
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4207%5,539
Cost of funding earning assets0.5744%6,409
Net interest margin3.8463%3,636
Noninterest income to average assets0.7258%2,448
Noninterest expense to average assets2.5022%5,456
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.8802%443
Return on assets (ROA)1.8802%481
Pretax return on assets1.8802%819
Return on Equity (ROE)23.2549%183
Retained earnings to average equity (ytd only)1.9667%5,154
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0978%6,129
Assets per employee ($millions)3.1773%5,732
Cash dividends to net income (ytd only)*91.5430%404
Condition Ratios (%)
Loss allowance to loans1.6616%3,409
Loan loss allowance to noncurrent loans15,400.0000%37
Noncurrent assets plus other real estate owned to assets0.0052%7,069
Noncurrent loans to loans0.0108%6,929
Net loans and leases to total assets47.8074%5,979
Net loans and leases to deposits52.1187%6,355
Net loans and leases to core deposits52.8992%6,514
Total domestic deposits to total assets91.7279%255
Equity capital to assets8.2144%6,551
Core capital (leverage) ratio7.8464%6,529
Tier 1 risk-based capital ratio13.3041%4,876
Total risk-based capital ratio14.5683%4,844
Memoranda:
Average total assets$19,288,7507,291
Average earning assets$18,337,5007,252
Average equity$1,559,5007,353
Average total loans$9,527,5007,198
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3763%5,771
Cost of funding earning assets0.6066%6,422
Net interest margin3.7697%3,939
Noninterest income to average assets0.7023%2,540
Noninterest expense to average assets2.4892%5,588
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.8075%496
Return on assets (ROA)1.8075%527
Pretax return on assets1.8075%869
Return on Equity (ROE)22.4744%216
Retained earnings to average equity (ytd only)2.3116%4,816
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9327%6,174
Assets per employee ($millions)3.3682%5,284
Cash dividends to net income (ytd only)*89.7143%603
Condition Ratios (%)
Loss allowance to loans1.6350%3,562
Loan loss allowance to noncurrent loans15,400.0000%43
Noncurrent assets plus other real estate owned to assets0.0049%7,121
Noncurrent loans to loans0.0106%6,981
Net loans and leases to total assets45.8459%6,288
Net loans and leases to deposits49.7183%6,623
Net loans and leases to core deposits50.4053%6,744
Total domestic deposits to total assets92.2114%199
Equity capital to assets7.7342%6,844
Core capital (leverage) ratio7.7058%6,583
Tier 1 risk-based capital ratio13.3466%4,651
Total risk-based capital ratio14.6544%4,593
Memoranda:
Average total assets$19,363,6707,365
Average earning assets$18,463,0007,319
Average equity$1,557,3307,423
Average total loans$9,614,0007,266
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4109%5,655
Cost of funding earning assets0.6837%6,229
Net interest margin3.7272%3,964
Noninterest income to average assets0.6969%2,599
Noninterest expense to average assets2.5342%5,437
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.7317%552
Return on assets (ROA)1.7317%581
Pretax return on assets1.7317%926
Return on Equity (ROE)21.1000%286
Retained earnings to average equity (ytd only)1.8012%5,037
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4059%6,064
Assets per employee ($millions)3.2187%5,667
Cash dividends to net income (ytd only)*91.4634%680
Condition Ratios (%)
Loss allowance to loans1.5750%3,845
Loan loss allowance to noncurrent loans15,400.0000%35
Noncurrent assets plus other real estate owned to assets0.0052%7,190
Noncurrent loans to loans0.0102%7,051
Net loans and leases to total assets49.8343%5,868
Net loans and leases to deposits54.2319%6,272
Net loans and leases to core deposits55.8690%6,420
Total domestic deposits to total assets91.8911%317
Equity capital to assets8.0468%6,455
Core capital (leverage) ratio8.1645%6,023
Tier 1 risk-based capital ratio12.2031%5,509
Total risk-based capital ratio13.4306%5,519
Memoranda:
Average total assets$18,941,0007,425
Average earning assets$18,137,0007,380
Average equity$1,554,5007,477
Average total loans$9,711,5007,326
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5966%6,123
Cost of funding earning assets0.8234%6,470
Net interest margin3.7732%4,059
Noninterest income to average assets0.8271%2,155
Noninterest expense to average assets2.5769%5,515
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets1.8342%381
Return on assets (ROA)1.8342%419
Pretax return on assets1.8342%711
Return on Equity (ROE)20.7882%211
Retained earnings to average equity (ytd only)0.7652%5,169
Net charge-offs to loans-0.0113%7,321
Credit loss provision to net charge-offs0.0000%6,628
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.4184%6,286
Assets per employee ($millions)3.0950%5,892
Cash dividends to net income (ytd only)*96.3190%449
Condition Ratios (%)
Loss allowance to loans1.5967%3,589
Loan loss allowance to noncurrent loans7,700.0000%71
Noncurrent assets plus other real estate owned to assets0.0108%7,224
Noncurrent loans to loans0.0207%7,090
Net loans and leases to total assets51.1093%6,035
Net loans and leases to deposits55.8360%6,458
Net loans and leases to core deposits57.5945%6,593
Total domestic deposits to total assets91.5347%390
Equity capital to assets8.3737%6,042
Core capital (leverage) ratio8.5255%5,309
Tier 1 risk-based capital ratio12.8523%4,725
Total risk-based capital ratio14.1181%4,684
Memoranda:
Average total assets$17,773,2007,516
Average earning assets$16,882,0007,476
Average equity$1,568,2007,574
Average total loans$8,823,0007,433
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6497%6,191
Cost of funding earning assets0.9059%6,374
Net interest margin3.7438%4,211
Noninterest income to average assets0.8345%2,058
Noninterest expense to average assets2.5188%5,642
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets1.8588%442
Return on assets (ROA)1.8588%491
Pretax return on assets1.8588%833
Return on Equity (ROE)20.7865%267
Retained earnings to average equity (ytd only)2.6300%4,575
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.5390%6,335
Assets per employee ($millions)2.9310%6,308
Cash dividends to net income (ytd only)*87.3477%494
Condition Ratios (%)
Loss allowance to loans1.7466%3,005
Loan loss allowance to noncurrent loans7,700.0000%53
Noncurrent assets plus other real estate owned to assets0.0114%7,341
Noncurrent loans to loans0.0227%7,201
Net loans and leases to total assets49.2608%6,399
Net loans and leases to deposits54.2081%6,757
Net loans and leases to core deposits55.0836%6,909
Total domestic deposits to total assets90.8734%491
Equity capital to assets8.9787%5,607
Core capital (leverage) ratio8.7138%5,159
Tier 1 risk-based capital ratio13.8794%3,932
Total risk-based capital ratio15.1575%3,878
Memoranda:
Average total assets$17,574,0007,616
Average earning assets$16,631,5007,580
Average equity$1,571,5007,675
Average total loans$8,617,5007,539
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6194%6,405
Cost of funding earning assets0.8541%6,745
Net interest margin3.7653%4,068
Noninterest income to average assets0.8765%1,774
Noninterest expense to average assets2.7319%4,778
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets1.7075%578
Return on assets (ROA)1.7075%632
Pretax return on assets1.7075%1,044
Return on Equity (ROE)19.1205%380
Retained earnings to average equity (ytd only)1.6571%5,042
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5385%5,761
Assets per employee ($millions)2.8952%6,369
Cash dividends to net income (ytd only)*91.3333%563
Condition Ratios (%)
Loss allowance to loans1.7758%2,801
Loan loss allowance to noncurrent loans5,133.3333%94
Noncurrent assets plus other real estate owned to assets0.0173%7,366
Noncurrent loans to loans0.0346%7,232
Net loans and leases to total assets49.0357%6,540
Net loans and leases to deposits53.9729%6,866
Net loans and leases to core deposits53.9729%7,036
Total domestic deposits to total assets90.8526%549
Equity capital to assets9.0265%5,407
Core capital (leverage) ratio8.6019%5,234
Tier 1 risk-based capital ratio13.6461%3,980
Total risk-based capital ratio14.9176%3,922
Memoranda:
Average total assets$17,570,0007,680
Average earning assets$16,625,6707,645
Average equity$1,569,0007,738
Average total loans$8,551,0007,604
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5493%6,680
Cost of funding earning assets0.8859%6,822
Net interest margin3.6634%4,423
Noninterest income to average assets0.8602%1,769
Noninterest expense to average assets2.6713%5,057
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.6526%681
Return on assets (ROA)1.6526%730
Pretax return on assets1.6526%1,157
Return on Equity (ROE)18.6047%472
Retained earnings to average equity (ytd only)2.0389%4,903
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7801%5,873
Assets per employee ($millions)2.9693%6,283
Cash dividends to net income (ytd only)*89.0411%708
Condition Ratios (%)
Loss allowance to loans1.7801%2,790
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets47.6931%6,703
Net loans and leases to deposits52.3698%7,018
Net loans and leases to core deposits53.2027%7,149
Total domestic deposits to total assets91.0698%513
Equity capital to assets8.8179%5,511
Core capital (leverage) ratio8.5251%5,330
Tier 1 risk-based capital ratio13.5371%3,963
Total risk-based capital ratio14.8115%3,913
Memoranda:
Average total assets$17,669,5007,778
Average earning assets$16,706,0007,740
Average equity$1,569,5007,827
Average total loans$8,490,5007,703
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9809%6,496
Cost of funding earning assets1.0335%7,140
Net interest margin3.9474%3,091
Noninterest income to average assets0.9129%1,897
Noninterest expense to average assets2.8152%4,905
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets1.8317%335
Return on assets (ROA)1.8317%342
Pretax return on assets1.8317%589
Return on Equity (ROE)19.9053%248
Retained earnings to average equity (ytd only)4.2883%2,224
Net charge-offs to loans-0.0660%7,863
Credit loss provision to net charge-offs0.0000%7,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.5830%6,392
Assets per employee ($millions)2.9205%6,412
Cash dividends to net income (ytd only)*78.4566%1,237
Condition Ratios (%)
Loss allowance to loans1.8487%2,413
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets46.6587%6,925
Net loans and leases to deposits51.3181%7,185
Net loans and leases to core deposits62.3932%7,177
Total domestic deposits to total assets90.9205%564
Equity capital to assets8.9482%5,220
Core capital (leverage) ratio8.4878%5,299
Tier 1 risk-based capital ratio13.4431%3,857
Total risk-based capital ratio14.7242%3,784
Memoranda:
Average total assets$16,979,0007,852
Average earning assets$16,061,4007,820
Average equity$1,562,4007,916
Average total loans$7,581,0007,798
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0308%6,509
Cost of funding earning assets1.0446%7,294
Net interest margin3.9861%2,873
Noninterest income to average assets0.9182%1,910
Noninterest expense to average assets2.7548%5,084
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets1.9394%331
Return on assets (ROA)1.9394%356
Pretax return on assets1.9394%605
Return on Equity (ROE)20.9263%264
Retained earnings to average equity (ytd only)7.3453%1,377
Net charge-offs to loans-0.0902%7,916
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.6847%6,617
Assets per employee ($millions)2.9127%6,374
Cash dividends to net income (ytd only)*64.8962%1,433
Condition Ratios (%)
Loss allowance to loans2.0476%1,693
Loan loss allowance to noncurrent loans15,400.0000%27
Noncurrent assets plus other real estate owned to assets0.0057%7,592
Noncurrent loans to loans0.0133%7,496
Net loans and leases to total assets42.1550%7,354
Net loans and leases to deposits46.4473%7,553
Net loans and leases to core deposits57.0510%7,506
Total domestic deposits to total assets90.7588%494
Equity capital to assets9.0925%5,353
Core capital (leverage) ratio8.8876%4,831
Tier 1 risk-based capital ratio14.3743%3,342
Total risk-based capital ratio15.6614%3,269
Memoranda:
Average total assets$16,843,0007,939
Average earning assets$15,954,7507,898
Average equity$1,561,0008,000
Average total loans$7,393,7507,884
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0782%6,517
Cost of funding earning assets1.1045%7,369
Net interest margin3.9737%2,818
Noninterest income to average assets0.9380%1,806
Noninterest expense to average assets2.7778%5,055
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets1.9240%355
Return on assets (ROA)1.9240%385
Pretax return on assets1.9240%661
Return on Equity (ROE)20.6229%298
Retained earnings to average equity (ytd only)11.2137%535
Net charge-offs to loans-0.1360%7,996
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.0793%6,680
Assets per employee ($millions)2.8015%6,625
Cash dividends to net income (ytd only)*45.6250%2,207
Condition Ratios (%)
Loss allowance to loans2.1315%1,346
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets42.0667%7,444
Net loans and leases to deposits46.5381%7,615
Net loans and leases to core deposits53.8005%7,659
Total domestic deposits to total assets90.3921%672
Equity capital to assets9.4771%4,642
Core capital (leverage) ratio8.9964%4,638
Tier 1 risk-based capital ratio17.0412%2,289
Total risk-based capital ratio18.2981%2,235
Memoranda:
Average total assets$16,632,0008,028
Average earning assets$15,753,6707,981
Average equity$1,551,6708,085
Average total loans$7,351,3307,975
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0115%6,900
Cost of funding earning assets1.1762%7,349
Net interest margin3.8353%3,315
Noninterest income to average assets0.9188%1,781
Noninterest expense to average assets2.7805%4,647
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.7650%569
Return on assets (ROA)1.7650%623
Pretax return on assets1.7650%1,049
Return on Equity (ROE)19.0725%498
Retained earnings to average equity (ytd only)19.0725%193
Net charge-offs to loans-0.1079%7,899
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.1702%6,225
Assets per employee ($millions)2.8237%6,587
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.0136%1,387
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets43.3715%7,387
Net loans and leases to deposits47.8915%7,580
Net loans and leases to core deposits54.6767%7,660
Total domestic deposits to total assets90.5619%566
Equity capital to assets9.3082%4,929
Core capital (leverage) ratio8.9945%4,723
Tier 1 risk-based capital ratio16.4517%2,533
Total risk-based capital ratio17.7089%2,467
Memoranda:
Average total assets$16,543,5008,077
Average earning assets$15,644,0008,033
Average equity$1,531,0008,147
Average total loans$7,414,5008,014
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5961%7,082
Cost of funding earning assets1.8611%6,847
Net interest margin3.7349%4,303
Noninterest income to average assets2.2061%296
Noninterest expense to average assets2.6835%5,330
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets3.0764%65
Return on assets (ROA)3.0885%62
Pretax return on assets3.0885%92
Return on Equity (ROE)33.5522%34
Retained earnings to average equity (ytd only)-5.3841%6,570
Net charge-offs to loans-0.0131%7,882
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.5897%7,897
Assets per employee ($millions)2.6908%6,808
Cash dividends to net income (ytd only)*116.0470%728
Condition Ratios (%)
Loss allowance to loans2.0327%1,163
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets44.4782%7,438
Net loans and leases to deposits49.0841%7,667
Net loans and leases to core deposits57.2465%7,698
Total domestic deposits to total assets90.6163%450
Equity capital to assets9.1979%5,085
Core capital (leverage) ratio8.6568%5,272
Tier 1 risk-based capital ratio16.1669%2,599
Total risk-based capital ratio17.4200%2,533
Memoranda:
Average total assets$16,545,4008,120
Average earning assets$15,743,2008,087
Average equity$1,523,0008,212
Average total loans$7,643,8008,049