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Farmers and Merchants Bank of Long Beach, Performance and Condition Ratios

2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7733%4,022
Cost of funding earning assets0.1011%4,178
Net interest margin2.6722%3,760
Noninterest income to average assets0.1382%4,324
Noninterest expense to average assets1.5301%4,383
Loan and lease loss provision to assets-0.0172%4,419
Net operating income to assets0.9802%2,232
Return on assets (ROA)0.9802%2,205
Pretax return on assets1.2214%2,001
Return on Equity (ROE)9.0440%2,687
Retained earnings to average equity (ytd only)7.9322%1,644
Net charge-offs to loans0.0028%1,975
Credit loss provision to net charge-offs-1,265.8228%3,603
Earnings coverage of net charge-offs (x)885.2025%152
Efficiency ratio55.9601%3,778
Assets per employee ($millions)15.4775%184
Cash dividends to net income (ytd only)*12.2936%2,715
Condition Ratios (%)
Loss allowance to loans1.2265%2,557
Loan loss allowance to noncurrent loans998.3454%932
Noncurrent assets plus other real estate owned to assets0.0695%3,275
Noncurrent loans to loans0.1229%3,111
Net loans and leases to total assets49.2856%3,442
Net loans and leases to deposits61.1103%2,966
Net loans and leases to core deposits63.6245%3,000
Total domestic deposits to total assets80.6503%4,174
Equity capital to assets10.8732%1,271
Core capital (leverage) ratio10.9361%1,657
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.0668%1,171
Memoranda:
Average total assets$11,614,538,000146
Average earning assets$11,283,973,333139
Average equity$1,258,825,000146
Average total loans$5,595,114,333172
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6767%3,989
Cost of funding earning assets0.0947%4,201
Net interest margin2.5820%3,702
Noninterest income to average assets0.1436%4,295
Noninterest expense to average assets1.4809%4,448
Loan and lease loss provision to assets-0.0346%4,490
Net operating income to assets0.9635%2,022
Return on assets (ROA)0.9635%2,019
Pretax return on assets1.2111%1,766
Return on Equity (ROE)8.9042%2,351
Retained earnings to average equity (ytd only)7.7801%1,646
Net charge-offs to loans-0.0011%3,023
Credit loss provision to net charge-offs6,666.6667%66
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.7273%3,906
Assets per employee ($millions)15.3395%190
Cash dividends to net income (ytd only)*12.6244%2,109
Condition Ratios (%)
Loss allowance to loans1.3126%2,293
Loan loss allowance to noncurrent loans886.9356%984
Noncurrent assets plus other real estate owned to assets0.0777%3,291
Noncurrent loans to loans0.1480%3,066
Net loans and leases to total assets46.3054%3,549
Net loans and leases to deposits57.7553%3,100
Net loans and leases to core deposits60.2461%3,123
Total domestic deposits to total assets80.1752%4,274
Equity capital to assets10.7875%1,449
Core capital (leverage) ratio10.9058%1,566
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.6748%941
Memoranda:
Average total assets$11,555,826,500147
Average earning assets$11,250,960,500141
Average equity$1,250,415,500148
Average total loans$5,465,685,500176
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9475%3,972
Cost of funding earning assets0.1172%4,254
Net interest margin2.8303%3,601
Noninterest income to average assets0.1713%4,298
Noninterest expense to average assets1.5744%4,452
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.0720%2,403
Return on assets (ROA)1.0720%2,477
Pretax return on assets1.3448%2,220
Return on Equity (ROE)9.6680%2,647
Retained earnings to average equity (ytd only)8.3677%1,398
Net charge-offs to loans-0.0112%3,781
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.9323%3,935
Assets per employee ($millions)15.2714%196
Cash dividends to net income (ytd only)*13.4491%3,246
Condition Ratios (%)
Loss allowance to loans1.3363%2,201
Loan loss allowance to noncurrent loans625.8480%1,210
Noncurrent assets plus other real estate owned to assets0.1103%3,158
Noncurrent loans to loans0.2135%2,889
Net loans and leases to total assets47.0454%3,595
Net loans and leases to deposits58.2285%3,233
Net loans and leases to core deposits60.9625%3,248
Total domestic deposits to total assets80.7945%4,127
Equity capital to assets10.8545%1,897
Core capital (leverage) ratio10.8764%1,647
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.6277%945
Memoranda:
Average total assets$10,746,848,200153
Average earning assets$10,434,000,000149
Average equity$1,191,613,400153
Average total loans$5,463,172,200180
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0072%3,985
Cost of funding earning assets0.1231%4,323
Net interest margin2.8841%3,591
Noninterest income to average assets0.1640%4,381
Noninterest expense to average assets1.5750%4,498
Loan and lease loss provision to assets0.0126%2,739
Net operating income to assets1.0873%2,605
Return on assets (ROA)1.0873%2,656
Pretax return on assets1.3741%2,425
Return on Equity (ROE)9.7501%2,826
Retained earnings to average equity (ytd only)8.5949%1,839
Net charge-offs to loans-0.0150%3,849
Credit loss provision to net charge-offs-162.8664%3,335
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.1801%3,906
Assets per employee ($millions)15.0685%204
Cash dividends to net income (ytd only)*11.8490%2,897
Condition Ratios (%)
Loss allowance to loans1.3793%2,109
Loan loss allowance to noncurrent loans596.7851%1,191
Noncurrent assets plus other real estate owned to assets0.1182%3,330
Noncurrent loans to loans0.2311%3,013
Net loans and leases to total assets46.8064%3,731
Net loans and leases to deposits59.0428%3,322
Net loans and leases to core deposits62.0790%3,316
Total domestic deposits to total assets79.2754%4,320
Equity capital to assets10.7742%2,191
Core capital (leverage) ratio11.2505%1,504
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.8546%988
Memoranda:
Average total assets$10,573,995,250155
Average earning assets$10,257,351,750149
Average equity$1,179,126,250152
Average total loans$5,465,450,500182
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0278%3,991
Cost of funding earning assets0.1294%4,357
Net interest margin2.8984%3,579
Noninterest income to average assets0.1689%4,360
Noninterest expense to average assets1.5795%4,539
Loan and lease loss provision to assets0.0387%2,220
Net operating income to assets1.0778%2,614
Return on assets (ROA)1.0778%2,684
Pretax return on assets1.3601%2,438
Return on Equity (ROE)9.5482%2,931
Retained earnings to average equity (ytd only)8.3784%1,949
Net charge-offs to loans0.0035%2,048
Credit loss provision to net charge-offs2,105.2632%279
Earnings coverage of net charge-offs (x)760.9789%184
Efficiency ratio53.0345%3,930
Assets per employee ($millions)13.9845%234
Cash dividends to net income (ytd only)*12.2518%2,798
Condition Ratios (%)
Loss allowance to loans1.3600%2,155
Loan loss allowance to noncurrent loans557.8939%1,173
Noncurrent assets plus other real estate owned to assets0.1335%3,347
Noncurrent loans to loans0.2438%3,077
Net loans and leases to total assets50.3506%3,525
Net loans and leases to deposits64.2565%2,972
Net loans and leases to core deposits67.9425%2,965
Total domestic deposits to total assets78.3588%4,404
Equity capital to assets11.1524%1,871
Core capital (leverage) ratio11.9333%1,117
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.9596%970
Memoranda:
Average total assets$10,336,567,000155
Average earning assets$10,019,240,000148
Average equity$1,166,831,667152
Average total loans$5,501,740,000183
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0016%4,082
Cost of funding earning assets0.1375%4,396
Net interest margin2.8640%3,607
Noninterest income to average assets0.1670%4,365
Noninterest expense to average assets1.6156%4,509
Loan and lease loss provision to assets0.0787%1,628
Net operating income to assets0.9948%2,823
Return on assets (ROA)0.9948%2,918
Pretax return on assets1.2478%2,703
Return on Equity (ROE)8.7572%3,119
Retained earnings to average equity (ytd only)7.5729%2,392
Net charge-offs to loans0.0069%1,650
Credit loss provision to net charge-offs2,083.3333%241
Earnings coverage of net charge-offs (x)351.0625%265
Efficiency ratio54.9131%3,681
Assets per employee ($millions)13.7913%247
Cash dividends to net income (ytd only)*13.5232%2,175
Condition Ratios (%)
Loss allowance to loans1.3175%2,359
Loan loss allowance to noncurrent loans943.1714%706
Noncurrent assets plus other real estate owned to assets0.0845%3,775
Noncurrent loans to loans0.1397%3,621
Net loans and leases to total assets53.1423%3,329
Net loans and leases to deposits67.4007%2,767
Net loans and leases to core deposits71.3427%2,760
Total domestic deposits to total assets78.8453%4,347
Equity capital to assets11.1454%1,757
Core capital (leverage) ratio12.1843%1,093
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.2249%890
Memoranda:
Average total assets$10,162,777,000155
Average earning assets$9,847,082,000148
Average equity$1,154,477,500154
Average total loans$5,525,755,500182
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3303%4,287
Cost of funding earning assets0.2894%4,203
Net interest margin3.0409%3,784
Noninterest income to average assets0.1924%4,325
Noninterest expense to average assets1.9295%4,266
Loan and lease loss provision to assets0.1178%2,885
Net operating income to assets0.8955%2,721
Return on assets (ROA)0.8955%2,853
Pretax return on assets1.0794%2,770
Return on Equity (ROE)7.1529%3,146
Retained earnings to average equity (ytd only)5.7439%1,932
Net charge-offs to loans0.0145%2,832
Credit loss provision to net charge-offs1,454.2936%575
Earnings coverage of net charge-offs (x)147.7701%587
Efficiency ratio61.7113%3,185
Assets per employee ($millions)12.8539%272
Cash dividends to net income (ytd only)*19.6977%3,249
Condition Ratios (%)
Loss allowance to loans1.3329%2,264
Loan loss allowance to noncurrent loans1,192.7216%575
Noncurrent assets plus other real estate owned to assets0.0712%3,985
Noncurrent loans to loans0.1117%3,841
Net loans and leases to total assets54.1918%3,472
Net loans and leases to deposits70.2278%2,861
Net loans and leases to core deposits74.6491%2,852
Total domestic deposits to total assets77.1657%4,396
Equity capital to assets11.5870%1,819
Core capital (leverage) ratio12.4104%1,070
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5749%826
Memoranda:
Average total assets$8,911,831,800163
Average earning assets$8,599,412,600154
Average equity$1,115,652,800155
Average total loans$4,968,341,800188
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4246%4,320
Cost of funding earning assets0.3265%4,179
Net interest margin3.0981%3,747
Noninterest income to average assets0.1842%4,373
Noninterest expense to average assets1.9619%4,232
Loan and lease loss provision to assets0.1307%2,717
Net operating income to assets0.8985%2,715
Return on assets (ROA)0.8985%2,829
Pretax return on assets1.0782%2,817
Return on Equity (ROE)7.0282%3,184
Retained earnings to average equity (ytd only)5.7788%2,191
Net charge-offs to loans-0.0005%3,776
Credit loss provision to net charge-offs-50,000.0000%4,457
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.8745%3,097
Assets per employee ($millions)12.6740%284
Cash dividends to net income (ytd only)*17.7778%2,890
Condition Ratios (%)
Loss allowance to loans1.3250%2,063
Loan loss allowance to noncurrent loans1,319.0600%473
Noncurrent assets plus other real estate owned to assets0.0656%4,112
Noncurrent loans to loans0.1005%3,971
Net loans and leases to total assets54.6089%3,745
Net loans and leases to deposits71.2504%3,203
Net loans and leases to core deposits76.0167%3,162
Total domestic deposits to total assets76.6436%4,367
Equity capital to assets11.6997%1,878
Core capital (leverage) ratio12.6940%1,045
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.3774%744
Memoranda:
Average total assets$8,671,845,250164
Average earning assets$8,359,804,500156
Average equity$1,108,605,500155
Average total loans$4,854,937,250186
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5881%4,279
Cost of funding earning assets0.3663%4,194
Net interest margin3.2218%3,606
Noninterest income to average assets0.1752%4,414
Noninterest expense to average assets2.0305%4,169
Loan and lease loss provision to assets0.1320%2,699
Net operating income to assets0.9256%2,606
Return on assets (ROA)0.9256%2,727
Pretax return on assets1.1144%2,668
Return on Equity (ROE)7.0102%3,126
Retained earnings to average equity (ytd only)5.7489%2,177
Net charge-offs to loans0.0035%2,858
Credit loss provision to net charge-offs6,707.3171%173
Earnings coverage of net charge-offs (x)633.4390%161
Efficiency ratio61.9643%3,133
Assets per employee ($millions)12.3506%298
Cash dividends to net income (ytd only)*17.9914%2,824
Condition Ratios (%)
Loss allowance to loans1.3042%1,982
Loan loss allowance to noncurrent loans741.8287%708
Noncurrent assets plus other real estate owned to assets0.0969%4,046
Noncurrent loans to loans0.1758%3,743
Net loans and leases to total assets54.3899%3,840
Net loans and leases to deposits71.0893%3,341
Net loans and leases to core deposits75.7646%3,303
Total domestic deposits to total assets76.5092%4,377
Equity capital to assets11.8409%1,762
Core capital (leverage) ratio13.0290%991
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.6438%710
Memoranda:
Average total assets$8,334,825,333168
Average earning assets$8,024,029,000160
Average equity$1,100,518,000156
Average total loans$4,687,005,000189
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7060%4,383
Cost of funding earning assets0.4280%4,243
Net interest margin3.2781%3,648
Noninterest income to average assets0.1933%4,394
Noninterest expense to average assets2.2008%4,003
Loan and lease loss provision to assets0.0411%3,259
Net operating income to assets0.9228%2,446
Return on assets (ROA)0.9228%2,553
Pretax return on assets1.0982%2,529
Return on Equity (ROE)6.5769%3,106
Retained earnings to average equity (ytd only)5.3051%2,152
Net charge-offs to loans-0.0153%4,223
Credit loss provision to net charge-offs-473.3728%3,377
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8902%2,981
Assets per employee ($millions)10.4615%333
Cash dividends to net income (ytd only)*19.3369%2,349
Condition Ratios (%)
Loss allowance to loans1.4317%1,580
Loan loss allowance to noncurrent loans1,252.8529%464
Noncurrent assets plus other real estate owned to assets0.0637%4,285
Noncurrent loans to loans0.1143%4,065
Net loans and leases to total assets54.9478%3,916
Net loans and leases to deposits70.6375%3,548
Net loans and leases to core deposits76.0530%3,488
Total domestic deposits to total assets77.7884%4,252
Equity capital to assets13.8342%1,113
Core capital (leverage) ratio14.0795%892
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.9021%756
Memoranda:
Average total assets$7,778,143,500172
Average earning assets$7,466,731,500165
Average equity$1,091,400,000156
Average total loans$4,427,125,500198
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9113%4,416
Cost of funding earning assets0.4595%4,239
Net interest margin3.4518%3,586
Noninterest income to average assets0.2174%4,361
Noninterest expense to average assets2.1499%4,270
Loan and lease loss provision to assets0.0033%3,935
Net operating income to assets1.1435%2,279
Return on assets (ROA)1.1435%2,376
Pretax return on assets1.3734%2,255
Return on Equity (ROE)8.1191%3,118
Retained earnings to average equity (ytd only)6.6134%1,559
Net charge-offs to loans0.0048%3,502
Credit loss provision to net charge-offs118.4834%2,137
Earnings coverage of net charge-offs (x)488.2749%192
Efficiency ratio60.9618%3,541
Assets per employee ($millions)9.9419%363
Cash dividends to net income (ytd only)*18.5446%3,517
Condition Ratios (%)
Loss allowance to loans1.4131%1,479
Loan loss allowance to noncurrent loans1,240.5996%492
Noncurrent assets plus other real estate owned to assets0.0662%4,291
Noncurrent loans to loans0.1139%4,076
Net loans and leases to total assets57.3206%3,823
Net loans and leases to deposits74.8003%3,280
Net loans and leases to core deposits79.4444%3,347
Total domestic deposits to total assets76.6315%4,528
Equity capital to assets14.2380%1,025
Core capital (leverage) ratio13.9948%929
Tier 1 risk-based capital ratio19.4182%1,433
Total risk-based capital ratio20.6403%1,403
Memoranda:
Average total assets$7,483,211,200169
Average earning assets$7,174,202,800161
Average equity$1,053,964,800156
Average total loans$4,359,780,000191
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9282%4,495
Cost of funding earning assets0.4586%4,304
Net interest margin3.4696%3,664
Noninterest income to average assets0.2191%4,418
Noninterest expense to average assets2.0957%4,370
Loan and lease loss provision to assets0.0045%3,782
Net operating income to assets1.1971%2,199
Return on assets (ROA)1.1971%2,282
Pretax return on assets1.4451%2,138
Return on Equity (ROE)8.5233%3,100
Retained earnings to average equity (ytd only)7.1897%1,764
Net charge-offs to loans0.0057%3,189
Credit loss provision to net charge-offs135.1351%1,766
Earnings coverage of net charge-offs (x)437.9685%224
Efficiency ratio59.1129%3,789
Assets per employee ($millions)9.9699%357
Cash dividends to net income (ytd only)*15.6469%3,203
Condition Ratios (%)
Loss allowance to loans1.4250%1,486
Loan loss allowance to noncurrent loans2,163.1488%303
Noncurrent assets plus other real estate owned to assets0.0380%4,531
Noncurrent loans to loans0.0659%4,343
Net loans and leases to total assets56.9222%3,972
Net loans and leases to deposits73.9309%3,481
Net loans and leases to core deposits78.6389%3,496
Total domestic deposits to total assets76.9938%4,515
Equity capital to assets14.0610%1,128
Core capital (leverage) ratio14.0450%973
Tier 1 risk-based capital ratio19.4572%1,467
Total risk-based capital ratio20.7046%1,440
Memoranda:
Average total assets$7,452,621,750169
Average earning assets$7,144,484,500162
Average equity$1,046,736,000160
Average total loans$4,344,212,500192
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9022%4,550
Cost of funding earning assets0.4452%4,341
Net interest margin3.4570%3,721
Noninterest income to average assets0.2177%4,443
Noninterest expense to average assets2.0591%4,497
Loan and lease loss provision to assets0.0068%3,596
Net operating income to assets1.1906%2,184
Return on assets (ROA)1.1906%2,242
Pretax return on assets1.4682%1,961
Return on Equity (ROE)8.4802%3,075
Retained earnings to average equity (ytd only)7.1335%1,745
Net charge-offs to loans0.0024%3,088
Credit loss provision to net charge-offs480.7692%623
Earnings coverage of net charge-offs (x)1,050.1346%65
Efficiency ratio58.2640%3,975
Assets per employee ($millions)9.8052%351
Cash dividends to net income (ytd only)*15.8806%3,144
Condition Ratios (%)
Loss allowance to loans1.4328%1,480
Loan loss allowance to noncurrent loans405.8827%1,199
Noncurrent assets plus other real estate owned to assets0.2185%3,700
Noncurrent loans to loans0.3530%3,283
Net loans and leases to total assets57.2322%3,986
Net loans and leases to deposits75.2803%3,393
Net loans and leases to core deposits80.0552%3,418
Total domestic deposits to total assets76.0255%4,663
Equity capital to assets13.9325%1,141
Core capital (leverage) ratio13.9791%965
Tier 1 risk-based capital ratio18.6553%1,633
Total risk-based capital ratio19.8753%1,598
Memoranda:
Average total assets$7,404,469,000170
Average earning assets$7,103,193,670163
Average equity$1,039,572,670160
Average total loans$4,329,970,000193
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8853%4,575
Cost of funding earning assets0.4216%4,395
Net interest margin3.4638%3,706
Noninterest income to average assets0.2122%4,470
Noninterest expense to average assets2.0270%4,593
Loan and lease loss provision to assets0.0136%3,259
Net operating income to assets1.2169%2,000
Return on assets (ROA)1.2169%2,048
Pretax return on assets1.4930%1,795
Return on Equity (ROE)8.6334%2,973
Retained earnings to average equity (ytd only)7.2723%1,944
Net charge-offs to loans-0.0013%3,820
Credit loss provision to net charge-offs-1,785.7143%4,042
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.3631%4,160
Assets per employee ($millions)9.9257%349
Cash dividends to net income (ytd only)*15.7652%2,557
Condition Ratios (%)
Loss allowance to loans1.4442%1,523
Loan loss allowance to noncurrent loans439.2967%1,167
Noncurrent assets plus other real estate owned to assets0.2166%3,758
Noncurrent loans to loans0.3287%3,391
Net loans and leases to total assets58.0343%3,887
Net loans and leases to deposits75.5223%3,303
Net loans and leases to core deposits80.3752%3,328
Total domestic deposits to total assets76.8438%4,668
Equity capital to assets14.1248%996
Core capital (leverage) ratio14.2259%891
Tier 1 risk-based capital ratio18.7508%1,600
Total risk-based capital ratio19.9860%1,564
Memoranda:
Average total assets$7,341,506,500173
Average earning assets$7,039,989,000164
Average equity$1,034,774,000162
Average total loans$4,308,724,500194
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7668%4,560
Cost of funding earning assets0.3165%4,490
Net interest margin3.4504%3,857
Noninterest income to average assets0.3714%3,610
Noninterest expense to average assets2.1503%4,446
Loan and lease loss provision to assets0.0347%3,502
Net operating income to assets1.1895%2,225
Return on assets (ROA)1.1895%2,222
Pretax return on assets1.5088%1,751
Return on Equity (ROE)8.6168%3,173
Retained earnings to average equity (ytd only)7.0227%1,661
Net charge-offs to loans-0.0110%4,518
Credit loss provision to net charge-offs-558.0357%4,654
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.2142%4,130
Assets per employee ($millions)9.8229%359
Cash dividends to net income (ytd only)*18.4992%3,530
Condition Ratios (%)
Loss allowance to loans1.4609%1,414
Loan loss allowance to noncurrent loans438.9541%1,218
Noncurrent assets plus other real estate owned to assets0.2183%3,732
Noncurrent loans to loans0.3328%3,360
Net loans and leases to total assets57.6389%4,000
Net loans and leases to deposits75.4305%3,392
Net loans and leases to core deposits80.2940%3,407
Total domestic deposits to total assets76.4133%4,703
Equity capital to assets14.0646%949
Core capital (leverage) ratio14.0363%912
Tier 1 risk-based capital ratio18.6556%1,581
Total risk-based capital ratio19.8913%1,543
Memoranda:
Average total assets$7,199,524,600174
Average earning assets$6,932,593,600166
Average equity$993,830,200161
Average total loans$4,080,223,000202
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7069%4,633
Cost of funding earning assets0.2970%4,544
Net interest margin3.4100%3,979
Noninterest income to average assets0.3733%3,644
Noninterest expense to average assets2.1281%4,491
Loan and lease loss provision to assets0.0372%3,263
Net operating income to assets1.1802%2,319
Return on assets (ROA)1.1802%2,322
Pretax return on assets1.4944%1,916
Return on Equity (ROE)8.5908%3,295
Retained earnings to average equity (ytd only)7.3684%1,946
Net charge-offs to loans-0.0152%4,530
Credit loss provision to net charge-offs-435.7298%4,465
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.1496%4,097
Assets per employee ($millions)9.9175%343
Cash dividends to net income (ytd only)*14.2297%3,240
Condition Ratios (%)
Loss allowance to loans1.4587%1,492
Loan loss allowance to noncurrent loans425.6440%1,251
Noncurrent assets plus other real estate owned to assets0.1992%3,951
Noncurrent loans to loans0.3427%3,426
Net loans and leases to total assets57.2644%4,108
Net loans and leases to deposits74.3323%3,564
Net loans and leases to core deposits78.8922%3,575
Total domestic deposits to total assets77.0384%4,638
Equity capital to assets13.8407%1,011
Core capital (leverage) ratio13.8646%975
Tier 1 risk-based capital ratio18.3383%1,711
Total risk-based capital ratio19.5680%1,668
Memoranda:
Average total assets$7,172,346,750174
Average earning assets$6,912,362,750165
Average equity$985,319,250161
Average total loans$4,031,569,250202
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6503%4,684
Cost of funding earning assets0.2796%4,564
Net interest margin3.3707%4,045
Noninterest income to average assets0.3716%3,671
Noninterest expense to average assets1.9731%4,844
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.2018%2,192
Return on assets (ROA)1.2018%2,191
Pretax return on assets1.6507%1,337
Return on Equity (ROE)8.7705%3,135
Retained earnings to average equity (ytd only)7.5372%1,828
Net charge-offs to loans-0.0177%4,515
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.4486%4,644
Assets per employee ($millions)9.8702%330
Cash dividends to net income (ytd only)*14.0622%3,184
Condition Ratios (%)
Loss allowance to loans1.4905%1,428
Loan loss allowance to noncurrent loans419.4618%1,277
Noncurrent assets plus other real estate owned to assets0.1962%4,009
Noncurrent loans to loans0.3553%3,423
Net loans and leases to total assets54.3808%4,306
Net loans and leases to deposits70.7800%3,796
Net loans and leases to core deposits75.3983%3,785
Total domestic deposits to total assets76.8307%4,753
Equity capital to assets13.6713%1,035
Core capital (leverage) ratio13.8648%943
Tier 1 risk-based capital ratio18.8600%1,587
Total risk-based capital ratio20.0889%1,550
Memoranda:
Average total assets$7,126,722,670172
Average earning assets$6,876,255,670163
Average equity$976,544,330160
Average total loans$3,959,578,330203
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6287%4,641
Cost of funding earning assets0.2563%4,673
Net interest margin3.3724%3,976
Noninterest income to average assets0.3509%3,801
Noninterest expense to average assets1.9655%4,915
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.1929%2,037
Return on assets (ROA)1.1929%2,052
Pretax return on assets1.6390%1,274
Return on Equity (ROE)8.6952%3,064
Retained earnings to average equity (ytd only)7.4504%2,078
Net charge-offs to loans-0.0006%3,743
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.5283%4,742
Assets per employee ($millions)9.9361%333
Cash dividends to net income (ytd only)*14.3156%2,513
Condition Ratios (%)
Loss allowance to loans1.5048%1,450
Loan loss allowance to noncurrent loans398.8739%1,324
Noncurrent assets plus other real estate owned to assets0.2097%4,045
Noncurrent loans to loans0.3773%3,432
Net loans and leases to total assets54.7492%4,223
Net loans and leases to deposits71.1612%3,686
Net loans and leases to core deposits75.9310%3,674
Total domestic deposits to total assets76.9368%4,864
Equity capital to assets13.7192%975
Core capital (leverage) ratio13.8034%917
Tier 1 risk-based capital ratio18.9818%1,550
Total risk-based capital ratio20.2319%1,518
Memoranda:
Average total assets$7,052,899,500174
Average earning assets$6,804,458,500166
Average equity$967,566,000161
Average total loans$3,931,510,500204
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5568%4,678
Cost of funding earning assets0.2136%4,840
Net interest margin3.3433%4,030
Noninterest income to average assets0.3813%3,756
Noninterest expense to average assets2.2853%4,375
Loan and lease loss provision to assets0.0143%4,004
Net operating income to assets0.9266%2,566
Return on assets (ROA)0.9266%2,593
Pretax return on assets1.2972%2,363
Return on Equity (ROE)6.8993%3,329
Retained earnings to average equity (ytd only)5.2396%1,973
Net charge-offs to loans-0.0440%5,152
Credit loss provision to net charge-offs-61.1621%4,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.5380%3,675
Assets per employee ($millions)9.3595%396
Cash dividends to net income (ytd only)*24.0566%3,527
Condition Ratios (%)
Loss allowance to loans1.5224%1,330
Loan loss allowance to noncurrent loans398.7535%1,326
Noncurrent assets plus other real estate owned to assets0.2134%4,069
Noncurrent loans to loans0.3818%3,385
Net loans and leases to total assets55.0525%4,267
Net loans and leases to deposits71.3960%3,750
Net loans and leases to core deposits76.5929%3,695
Total domestic deposits to total assets77.1086%4,844
Equity capital to assets13.7182%984
Core capital (leverage) ratio13.4520%986
Tier 1 risk-based capital ratio18.7168%1,586
Total risk-based capital ratio19.9670%1,539
Memoranda:
Average total assets$6,989,116,600172
Average earning assets$6,721,950,200162
Average equity$938,700,000156
Average total loans$3,712,834,800202
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5132%4,782
Cost of funding earning assets0.2064%4,922
Net interest margin3.3069%4,153
Noninterest income to average assets0.3946%3,725
Noninterest expense to average assets2.2485%4,421
Loan and lease loss provision to assets0.0191%3,761
Net operating income to assets1.0170%2,486
Return on assets (ROA)1.0170%2,520
Pretax return on assets1.3059%2,456
Return on Equity (ROE)7.6127%3,337
Retained earnings to average equity (ytd only)6.3225%2,049
Net charge-offs to loans0.0026%3,658
Credit loss provision to net charge-offs1,388.8889%266
Earnings coverage of net charge-offs (x)964.5593%105
Efficiency ratio62.9212%3,725
Assets per employee ($millions)10.1944%295
Cash dividends to net income (ytd only)*16.9477%3,257
Condition Ratios (%)
Loss allowance to loans1.4913%1,563
Loan loss allowance to noncurrent loans438.1396%1,177
Noncurrent assets plus other real estate owned to assets0.1763%4,401
Noncurrent loans to loans0.3404%3,728
Net loans and leases to total assets51.0203%4,644
Net loans and leases to deposits64.8341%4,333
Net loans and leases to core deposits69.2347%4,291
Total domestic deposits to total assets78.6936%4,595
Equity capital to assets12.7624%1,506
Core capital (leverage) ratio13.5622%1,006
Tier 1 risk-based capital ratio18.9895%1,588
Total risk-based capital ratio20.2233%1,553
Memoranda:
Average total assets$6,988,501,250173
Average earning assets$6,718,076,500162
Average equity$933,595,000158
Average total loans$3,663,909,250203
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5505%4,632
Cost of funding earning assets0.2002%4,978
Net interest margin3.3503%3,946
Noninterest income to average assets0.4305%3,487
Noninterest expense to average assets2.2521%4,456
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.0732%2,112
Return on assets (ROA)1.0732%2,158
Pretax return on assets1.3944%2,046
Return on Equity (ROE)7.9044%3,084
Retained earnings to average equity (ytd only)6.6042%1,793
Net charge-offs to loans0.0073%3,197
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)363.1832%235
Efficiency ratio61.7594%4,037
Assets per employee ($millions)9.2728%380
Cash dividends to net income (ytd only)*16.4491%3,234
Condition Ratios (%)
Loss allowance to loans1.5296%1,481
Loan loss allowance to noncurrent loans413.4976%1,224
Noncurrent assets plus other real estate owned to assets0.1986%4,377
Noncurrent loans to loans0.3699%3,705
Net loans and leases to total assets52.8723%4,491
Net loans and leases to deposits68.5514%4,019
Net loans and leases to core deposits74.1559%3,930
Total domestic deposits to total assets77.1279%4,939
Equity capital to assets13.6260%1,100
Core capital (leverage) ratio13.7528%923
Tier 1 risk-based capital ratio19.1884%1,554
Total risk-based capital ratio20.4387%1,499
Memoranda:
Average total assets$6,823,781,330173
Average earning assets$6,550,318,000165
Average equity$926,471,000158
Average total loans$3,593,389,670208
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5332%4,596
Cost of funding earning assets0.1919%5,049
Net interest margin3.3413%3,874
Noninterest income to average assets0.5019%2,967
Noninterest expense to average assets2.1294%4,793
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.1901%1,526
Return on assets (ROA)1.1901%1,568
Pretax return on assets1.5768%1,297
Return on Equity (ROE)8.7817%2,520
Retained earnings to average equity (ytd only)7.4712%1,663
Net charge-offs to loans-0.0097%4,408
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.4552%4,783
Assets per employee ($millions)9.4263%369
Cash dividends to net income (ytd only)*14.9229%2,613
Condition Ratios (%)
Loss allowance to loans1.5804%1,431
Loan loss allowance to noncurrent loans436.1951%1,181
Noncurrent assets plus other real estate owned to assets0.1911%4,486
Noncurrent loans to loans0.3623%3,792
Net loans and leases to total assets51.8988%4,527
Net loans and leases to deposits67.9416%3,997
Net loans and leases to core deposits73.7718%3,854
Total domestic deposits to total assets76.3874%5,189
Equity capital to assets13.5759%1,044
Core capital (leverage) ratio13.7222%910
Tier 1 risk-based capital ratio19.5605%1,485
Total risk-based capital ratio20.8109%1,458
Memoranda:
Average total assets$6,781,563,000173
Average earning assets$6,503,528,000165
Average equity$919,049,500157
Average total loans$3,535,450,500211
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6222%4,456
Cost of funding earning assets0.1679%5,298
Net interest margin3.4543%3,609
Noninterest income to average assets0.3594%4,166
Noninterest expense to average assets2.2049%4,758
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets1.1150%1,840
Return on assets (ROA)1.1150%1,930
Pretax return on assets1.4697%1,683
Return on Equity (ROE)8.0850%2,894
Retained earnings to average equity (ytd only)6.3234%1,552
Net charge-offs to loans-0.0058%4,830
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.0039%4,582
Assets per employee ($millions)9.4642%363
Cash dividends to net income (ytd only)*21.7878%3,661
Condition Ratios (%)
Loss allowance to loans1.6402%1,283
Loan loss allowance to noncurrent loans3,256.9874%220
Noncurrent assets plus other real estate owned to assets0.0377%5,214
Noncurrent loans to loans0.0504%5,045
Net loans and leases to total assets50.6799%4,711
Net loans and leases to deposits66.5686%4,202
Net loans and leases to core deposits72.5268%4,051
Total domestic deposits to total assets76.1319%5,230
Equity capital to assets13.5281%1,036
Core capital (leverage) ratio13.6151%930
Tier 1 risk-based capital ratio19.5972%1,454
Total risk-based capital ratio20.8479%1,413
Memoranda:
Average total assets$6,413,286,600176
Average earning assets$6,154,863,600164
Average equity$884,456,200156
Average total loans$3,401,825,400206
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6499%4,408
Cost of funding earning assets0.1658%5,378
Net interest margin3.4841%3,529
Noninterest income to average assets0.3610%4,197
Noninterest expense to average assets2.0239%5,154
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.1320%1,872
Return on assets (ROA)1.1320%1,985
Pretax return on assets1.6832%1,165
Return on Equity (ROE)8.1666%2,927
Retained earnings to average equity (ytd only)6.7947%1,725
Net charge-offs to loans-0.0069%4,682
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.5946%5,190
Assets per employee ($millions)9.4550%355
Cash dividends to net income (ytd only)*16.7987%3,345
Condition Ratios (%)
Loss allowance to loans1.6541%1,318
Loan loss allowance to noncurrent loans2,618.3326%276
Noncurrent assets plus other real estate owned to assets0.0447%5,293
Noncurrent loans to loans0.0632%5,101
Net loans and leases to total assets50.9932%4,731
Net loans and leases to deposits66.2201%4,320
Net loans and leases to core deposits72.0990%4,153
Total domestic deposits to total assets77.0055%5,086
Equity capital to assets13.5810%1,204
Core capital (leverage) ratio13.8052%905
Tier 1 risk-based capital ratio19.8572%1,471
Total risk-based capital ratio21.1082%1,439
Memoranda:
Average total assets$6,334,343,750178
Average earning assets$6,083,480,500168
Average equity$877,992,000159
Average total loans$3,385,494,750208
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7028%4,294
Cost of funding earning assets0.1635%5,466
Net interest margin3.5393%3,333
Noninterest income to average assets0.3594%4,196
Noninterest expense to average assets2.0386%5,193
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.1540%1,758
Return on assets (ROA)1.1540%1,874
Pretax return on assets1.7168%1,054
Return on Equity (ROE)8.2666%2,852
Retained earnings to average equity (ytd only)6.8830%1,675
Net charge-offs to loans-0.0132%4,786
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.2843%5,288
Assets per employee ($millions)8.9989%387
Cash dividends to net income (ytd only)*16.7375%3,288
Condition Ratios (%)
Loss allowance to loans1.6284%1,449
Loan loss allowance to noncurrent loans1,028.6024%568
Noncurrent assets plus other real estate owned to assets0.0998%5,115
Noncurrent loans to loans0.1583%4,804
Net loans and leases to total assets54.2510%4,485
Net loans and leases to deposits70.8179%3,910
Net loans and leases to core deposits77.4711%3,686
Total domestic deposits to total assets76.6063%5,206
Equity capital to assets13.9816%1,034
Core capital (leverage) ratio14.1165%790
Tier 1 risk-based capital ratio19.6847%1,526
Total risk-based capital ratio20.9359%1,487
Memoranda:
Average total assets$6,236,484,000179
Average earning assets$5,983,897,000169
Average equity$870,609,330158
Average total loans$3,368,449,330207
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7033%4,311
Cost of funding earning assets0.1597%5,545
Net interest margin3.5436%3,308
Noninterest income to average assets0.3676%4,093
Noninterest expense to average assets2.0245%5,278
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.1705%1,644
Return on assets (ROA)1.1705%1,751
Pretax return on assets1.7421%960
Return on Equity (ROE)8.3913%2,706
Retained earnings to average equity (ytd only)6.9958%1,889
Net charge-offs to loans-0.0071%4,403
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.7478%5,405
Assets per employee ($millions)8.6881%443
Cash dividends to net income (ytd only)*16.6308%2,605
Condition Ratios (%)
Loss allowance to loans1.7017%1,370
Loan loss allowance to noncurrent loans3,262.1622%211
Noncurrent assets plus other real estate owned to assets0.0407%5,462
Noncurrent loans to loans0.0522%5,280
Net loans and leases to total assets52.6784%4,564
Net loans and leases to deposits68.9005%3,966
Net loans and leases to core deposits75.5154%3,728
Total domestic deposits to total assets76.4558%5,367
Equity capital to assets13.9975%983
Core capital (leverage) ratio14.1088%786
Tier 1 risk-based capital ratio19.8858%1,530
Total risk-based capital ratio21.1373%1,499
Memoranda:
Average total assets$6,187,124,500180
Average earning assets$5,934,629,000171
Average equity$863,033,000157
Average total loans$3,305,773,500208
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7348%4,254
Cost of funding earning assets0.1377%5,771
Net interest margin3.5971%3,151
Noninterest income to average assets0.3918%4,093
Noninterest expense to average assets2.2550%4,909
Loan and lease loss provision to assets-0.0467%5,735
Net operating income to assets1.1222%1,828
Return on assets (ROA)1.1222%1,893
Pretax return on assets1.6217%1,185
Return on Equity (ROE)7.7997%3,072
Retained earnings to average equity (ytd only)5.9285%1,834
Net charge-offs to loans-0.2724%6,000
Credit loss provision to net charge-offs31.5200%3,634
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.8756%5,041
Assets per employee ($millions)8.9054%395
Cash dividends to net income (ytd only)*23.9900%3,614
Condition Ratios (%)
Loss allowance to loans1.7289%1,289
Loan loss allowance to noncurrent loans2,018.1624%321
Noncurrent assets plus other real estate owned to assets0.0676%5,361
Noncurrent loans to loans0.0857%5,153
Net loans and leases to total assets52.3468%4,662
Net loans and leases to deposits68.6830%4,063
Net loans and leases to core deposits75.6407%3,787
Total domestic deposits to total assets76.2150%5,420
Equity capital to assets13.8997%967
Core capital (leverage) ratio14.0161%813
Tier 1 risk-based capital ratio20.0809%1,471
Total risk-based capital ratio21.3329%1,447
Memoranda:
Average total assets$5,787,330,800179
Average earning assets$5,531,857,800166
Average equity$832,703,600154
Average total loans$3,144,484,000205
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7563%4,236
Cost of funding earning assets0.1346%5,893
Net interest margin3.6218%3,073
Noninterest income to average assets0.4137%3,978
Noninterest expense to average assets2.1838%5,092
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.1585%1,805
Return on assets (ROA)1.1585%1,871
Pretax return on assets1.6898%1,135
Return on Equity (ROE)7.9782%3,080
Retained earnings to average equity (ytd only)6.5852%1,900
Net charge-offs to loans-0.1390%5,902
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.3767%5,302
Assets per employee ($millions)8.8314%396
Cash dividends to net income (ytd only)*17.4605%3,319
Condition Ratios (%)
Loss allowance to loans1.6878%1,500
Loan loss allowance to noncurrent loans2,570.0428%270
Noncurrent assets plus other real estate owned to assets0.0592%5,537
Noncurrent loans to loans0.0657%5,352
Net loans and leases to total assets52.6565%4,695
Net loans and leases to deposits69.6250%4,031
Net loans and leases to core deposits76.5471%3,733
Total domestic deposits to total assets75.6287%5,549
Equity capital to assets14.1716%951
Core capital (leverage) ratio14.3671%765
Tier 1 risk-based capital ratio20.2369%1,499
Total risk-based capital ratio21.4883%1,464
Memoranda:
Average total assets$5,695,763,500179
Average earning assets$5,441,192,000170
Average equity$827,046,750155
Average total loans$3,111,134,750207
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8270%3,966
Cost of funding earning assets0.1312%5,979
Net interest margin3.6958%2,725
Noninterest income to average assets0.4331%3,831
Noninterest expense to average assets2.2114%5,085
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.1898%1,629
Return on assets (ROA)1.1898%1,700
Pretax return on assets1.7468%986
Return on Equity (ROE)8.1249%2,976
Retained earnings to average equity (ytd only)6.7203%1,832
Net charge-offs to loans-0.1791%5,993
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.8693%5,440
Assets per employee ($millions)8.1718%493
Cash dividends to net income (ytd only)*17.2878%3,270
Condition Ratios (%)
Loss allowance to loans1.7286%1,545
Loan loss allowance to noncurrent loans2,343.0884%263
Noncurrent assets plus other real estate owned to assets0.0658%5,604
Noncurrent loans to loans0.0738%5,435
Net loans and leases to total assets53.7712%4,579
Net loans and leases to deposits71.8228%3,738
Net loans and leases to core deposits79.4335%3,448
Total domestic deposits to total assets74.8666%5,722
Equity capital to assets14.7225%765
Core capital (leverage) ratio14.7909%655
Tier 1 risk-based capital ratio21.2767%1,312
Total risk-based capital ratio22.5291%1,290
Memoranda:
Average total assets$5,601,388,000181
Average earning assets$5,342,666,000171
Average equity$820,293,670155
Average total loans$3,080,739,330210
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6784%4,440
Cost of funding earning assets0.1317%6,051
Net interest margin3.5467%3,235
Noninterest income to average assets0.4580%3,588
Noninterest expense to average assets2.0725%5,443
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.2012%1,545
Return on assets (ROA)1.2012%1,641
Pretax return on assets1.7650%928
Return on Equity (ROE)8.2245%2,841
Retained earnings to average equity (ytd only)6.8080%2,093
Net charge-offs to loans-0.2528%6,108
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.0071%5,679
Assets per employee ($millions)8.1404%514
Cash dividends to net income (ytd only)*17.2226%2,600
Condition Ratios (%)
Loss allowance to loans1.6825%1,784
Loan loss allowance to noncurrent loans915.0763%590
Noncurrent assets plus other real estate owned to assets0.1458%5,371
Noncurrent loans to loans0.1839%5,121
Net loans and leases to total assets55.4349%4,266
Net loans and leases to deposits73.6962%3,351
Net loans and leases to core deposits81.7313%2,987
Total domestic deposits to total assets75.2209%5,809
Equity capital to assets14.7589%759
Core capital (leverage) ratio14.6250%667
Tier 1 risk-based capital ratio20.7730%1,463
Total risk-based capital ratio22.0250%1,432
Memoranda:
Average total assets$5,570,568,000177
Average earning assets$5,307,993,000169
Average equity$813,571,500154
Average total loans$3,071,787,500208
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5871%5,114
Cost of funding earning assets0.1341%6,180
Net interest margin3.4529%3,966
Noninterest income to average assets0.4902%3,584
Noninterest expense to average assets2.1256%5,515
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets1.1373%1,829
Return on assets (ROA)1.1515%1,833
Pretax return on assets1.6706%1,049
Return on Equity (ROE)7.9641%3,156
Retained earnings to average equity (ytd only)6.0595%1,889
Net charge-offs to loans0.0163%4,542
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)200.0626%270
Efficiency ratio56.2981%5,636
Assets per employee ($millions)8.3054%478
Cash dividends to net income (ytd only)*23.9148%3,661
Condition Ratios (%)
Loss allowance to loans1.6886%1,803
Loan loss allowance to noncurrent loans986.8687%596
Noncurrent assets plus other real estate owned to assets0.1533%5,415
Noncurrent loans to loans0.1711%5,212
Net loans and leases to total assets52.9972%4,686
Net loans and leases to deposits70.4216%3,850
Net loans and leases to core deposits78.2453%3,494
Total domestic deposits to total assets75.2570%5,829
Equity capital to assets14.4513%826
Core capital (leverage) ratio14.3486%742
Tier 1 risk-based capital ratio22.3383%1,174
Total risk-based capital ratio23.5910%1,155
Memoranda:
Average total assets$5,419,836,000176
Average earning assets$5,156,966,200167
Average equity$783,625,200157
Average total loans$2,741,352,200213
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5229%5,339
Cost of funding earning assets0.1337%6,270
Net interest margin3.3892%4,280
Noninterest income to average assets0.5232%3,377
Noninterest expense to average assets2.0841%5,610
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.1471%1,878
Return on assets (ROA)1.1543%1,910
Pretax return on assets1.6731%1,130
Return on Equity (ROE)7.9827%3,218
Retained earnings to average equity (ytd only)6.5017%2,102
Net charge-offs to loans-0.0225%5,648
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.6258%5,690
Assets per employee ($millions)8.1830%476
Cash dividends to net income (ytd only)*18.5533%3,263
Condition Ratios (%)
Loss allowance to loans1.7815%1,731
Loan loss allowance to noncurrent loans454.6342%1,056
Noncurrent assets plus other real estate owned to assets0.3418%4,910
Noncurrent loans to loans0.3919%4,735
Net loans and leases to total assets51.5289%4,855
Net loans and leases to deposits69.4158%3,981
Net loans and leases to core deposits76.9204%3,645
Total domestic deposits to total assets74.2323%5,998
Equity capital to assets14.4171%869
Core capital (leverage) ratio14.3494%758
Tier 1 risk-based capital ratio22.5068%1,184
Total risk-based capital ratio23.7602%1,168
Memoranda:
Average total assets$5,379,485,250174
Average earning assets$5,116,454,250165
Average equity$777,891,250157
Average total loans$2,674,514,000214
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4853%5,440
Cost of funding earning assets0.1314%6,356
Net interest margin3.3539%4,384
Noninterest income to average assets0.5167%3,363
Noninterest expense to average assets2.0926%5,641
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.1214%1,855
Return on assets (ROA)1.1324%1,902
Pretax return on assets1.6310%1,176
Return on Equity (ROE)7.8229%3,196
Retained earnings to average equity (ytd only)6.3292%2,133
Net charge-offs to loans-0.0018%5,054
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.4392%5,699
Assets per employee ($millions)8.0940%475
Cash dividends to net income (ytd only)*19.0945%3,201
Condition Ratios (%)
Loss allowance to loans1.8583%1,683
Loan loss allowance to noncurrent loans260.5305%1,710
Noncurrent assets plus other real estate owned to assets0.5865%4,225
Noncurrent loans to loans0.7133%3,922
Net loans and leases to total assets50.0112%4,961
Net loans and leases to deposits67.7400%4,081
Net loans and leases to core deposits75.3337%3,701
Total domestic deposits to total assets73.8282%6,129
Equity capital to assets14.4845%825
Core capital (leverage) ratio14.5387%690
Tier 1 risk-based capital ratio23.1283%1,095
Total risk-based capital ratio24.3824%1,078
Memoranda:
Average total assets$5,328,752,670176
Average earning assets$5,069,729,000167
Average equity$771,351,330157
Average total loans$2,598,646,670215
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4380%5,562
Cost of funding earning assets0.1290%6,449
Net interest margin3.3090%4,496
Noninterest income to average assets0.4136%4,077
Noninterest expense to average assets2.0825%5,717
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.0414%2,038
Return on assets (ROA)1.0639%2,025
Pretax return on assets1.5191%1,377
Return on Equity (ROE)7.3524%3,287
Retained earnings to average equity (ytd only)5.8462%2,622
Net charge-offs to loans-0.0046%4,804
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.3425%5,615
Assets per employee ($millions)8.5164%397
Cash dividends to net income (ytd only)*20.4851%2,513
Condition Ratios (%)
Loss allowance to loans1.9849%1,544
Loan loss allowance to noncurrent loans187.9834%2,196
Noncurrent assets plus other real estate owned to assets0.7563%3,854
Noncurrent loans to loans1.0559%3,314
Net loans and leases to total assets47.2722%5,206
Net loans and leases to deposits63.6340%4,362
Net loans and leases to core deposits70.9117%3,994
Total domestic deposits to total assets74.2877%6,221
Equity capital to assets14.3849%814
Core capital (leverage) ratio14.5958%677
Tier 1 risk-based capital ratio24.1011%989
Total risk-based capital ratio25.3564%971
Memoranda:
Average total assets$5,285,697,000177
Average earning assets$5,041,128,500167
Average equity$764,868,500158
Average total loans$2,518,312,000220
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3430%5,924
Cost of funding earning assets0.1261%6,615
Net interest margin3.2168%4,942
Noninterest income to average assets0.7057%2,511
Noninterest expense to average assets2.0353%5,955
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.1981%1,572
Return on assets (ROA)1.2158%1,578
Pretax return on assets1.7708%807
Return on Equity (ROE)8.4079%2,822
Retained earnings to average equity (ytd only)6.3891%1,750
Net charge-offs to loans-0.0119%6,049
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.8361%6,150
Assets per employee ($millions)8.1478%441
Cash dividends to net income (ytd only)*24.0103%3,553
Condition Ratios (%)
Loss allowance to loans2.0893%1,355
Loan loss allowance to noncurrent loans175.3550%2,329
Noncurrent assets plus other real estate owned to assets0.8386%3,798
Noncurrent loans to loans1.1914%3,157
Net loans and leases to total assets46.0595%5,477
Net loans and leases to deposits62.6869%4,656
Net loans and leases to core deposits70.0500%4,284
Total domestic deposits to total assets73.4755%6,320
Equity capital to assets14.5585%769
Core capital (leverage) ratio14.4809%693
Tier 1 risk-based capital ratio26.1974%757
Total risk-based capital ratio27.4548%733
Memoranda:
Average total assets$5,113,297,000176
Average earning assets$4,887,458,000166
Average equity$739,365,600155
Average total loans$2,159,463,200240
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2878%6,074
Cost of funding earning assets0.1260%6,714
Net interest margin3.1618%5,110
Noninterest income to average assets0.7739%2,267
Noninterest expense to average assets2.0218%5,969
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.2175%1,576
Return on assets (ROA)1.2365%1,592
Pretax return on assets1.8000%912
Return on Equity (ROE)8.5662%2,857
Retained earnings to average equity (ytd only)6.9975%1,875
Net charge-offs to loans-0.0401%6,242
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.2843%6,162
Assets per employee ($millions)8.0902%448
Cash dividends to net income (ytd only)*18.3130%3,153
Condition Ratios (%)
Loss allowance to loans2.3158%1,162
Loan loss allowance to noncurrent loans132.1785%2,801
Noncurrent assets plus other real estate owned to assets1.0369%3,578
Noncurrent loans to loans1.7520%2,567
Net loans and leases to total assets42.3182%5,878
Net loans and leases to deposits56.7583%5,308
Net loans and leases to core deposits62.8266%5,033
Total domestic deposits to total assets74.5587%6,327
Equity capital to assets14.5993%792
Core capital (leverage) ratio14.4334%751
Tier 1 risk-based capital ratio27.4614%670
Total risk-based capital ratio28.7203%655
Memoranda:
Average total assets$5,087,974,750175
Average earning assets$4,860,373,000165
Average equity$734,415,250153
Average total loans$2,086,063,250245
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2616%6,142
Cost of funding earning assets0.1257%6,766
Net interest margin3.1359%5,173
Noninterest income to average assets0.8044%2,168
Noninterest expense to average assets1.9934%6,057
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.2394%1,491
Return on assets (ROA)1.2679%1,509
Pretax return on assets1.8461%829
Return on Equity (ROE)8.8183%2,695
Retained earnings to average equity (ytd only)7.2374%1,776
Net charge-offs to loans0.0228%4,383
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)197.1552%262
Efficiency ratio52.4838%6,256
Assets per employee ($millions)8.1815%427
Cash dividends to net income (ytd only)*17.9275%3,073
Condition Ratios (%)
Loss allowance to loans2.4029%1,090
Loan loss allowance to noncurrent loans131.6749%2,803
Noncurrent assets plus other real estate owned to assets1.0980%3,535
Noncurrent loans to loans1.8249%2,603
Net loans and leases to total assets40.0636%6,038
Net loans and leases to deposits54.6578%5,462
Net loans and leases to core deposits60.4202%5,227
Total domestic deposits to total assets73.2990%6,485
Equity capital to assets14.3613%858
Core capital (leverage) ratio14.4804%705
Tier 1 risk-based capital ratio27.8351%634
Total risk-based capital ratio29.0943%624
Memoranda:
Average total assets$5,068,837,330175
Average earning assets$4,839,226,670165
Average equity$728,824,000154
Average total loans$2,038,398,330248
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3030%6,152
Cost of funding earning assets0.1277%6,844
Net interest margin3.1753%5,015
Noninterest income to average assets0.8401%1,962
Noninterest expense to average assets1.9630%6,176
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.3013%1,271
Return on assets (ROA)1.3303%1,306
Pretax return on assets1.9536%652
Return on Equity (ROE)9.2463%2,383
Retained earnings to average equity (ytd only)7.6545%1,874
Net charge-offs to loans0.1057%2,814
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)45.4291%721
Efficiency ratio50.6712%6,461
Assets per employee ($millions)8.3825%415
Cash dividends to net income (ytd only)*17.2156%2,355
Condition Ratios (%)
Loss allowance to loans2.5000%1,116
Loan loss allowance to noncurrent loans117.1915%2,946
Noncurrent assets plus other real estate owned to assets1.2215%3,528
Noncurrent loans to loans2.1332%2,459
Net loans and leases to total assets38.8089%6,095
Net loans and leases to deposits52.6451%5,560
Net loans and leases to core deposits58.2884%5,320
Total domestic deposits to total assets73.7181%6,550
Equity capital to assets14.3976%909
Core capital (leverage) ratio14.4420%683
Tier 1 risk-based capital ratio28.5412%607
Total risk-based capital ratio29.8014%600
Memoranda:
Average total assets$5,030,184,500178
Average earning assets$4,806,221,500168
Average equity$723,709,000155
Average total loans$2,001,350,500254
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7865%5,859
Cost of funding earning assets0.1525%6,912
Net interest margin3.6340%3,945
Noninterest income to average assets0.4573%4,199
Noninterest expense to average assets2.0060%6,314
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets1.3118%1,267
Return on assets (ROA)1.3168%1,394
Pretax return on assets1.9162%725
Return on Equity (ROE)9.0955%2,596
Retained earnings to average equity (ytd only)6.9538%1,592
Net charge-offs to loans0.3689%2,782
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)12.3039%1,942
Efficiency ratio51.2387%6,504
Assets per employee ($millions)8.4846%404
Cash dividends to net income (ytd only)*23.5474%3,626
Condition Ratios (%)
Loss allowance to loans2.5702%1,046
Loan loss allowance to noncurrent loans102.7359%3,269
Noncurrent assets plus other real estate owned to assets1.3496%3,379
Noncurrent loans to loans2.5017%2,110
Net loans and leases to total assets38.7472%6,251
Net loans and leases to deposits52.4458%5,771
Net loans and leases to core deposits58.0302%5,538
Total domestic deposits to total assets73.8804%6,537
Equity capital to assets14.3769%916
Core capital (leverage) ratio14.2373%734
Tier 1 risk-based capital ratio28.3474%602
Total risk-based capital ratio29.6082%586
Memoranda:
Average total assets$4,813,836,800179
Average earning assets$4,580,439,800169
Average equity$696,902,200157
Average total loans$2,024,538,000243
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9060%5,773
Cost of funding earning assets0.1577%7,020
Net interest margin3.7483%3,564
Noninterest income to average assets0.4672%4,162
Noninterest expense to average assets1.9759%6,388
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.4009%1,219
Return on assets (ROA)1.4017%1,343
Pretax return on assets2.0568%618
Return on Equity (ROE)9.6648%2,515
Retained earnings to average equity (ytd only)8.0752%1,592
Net charge-offs to loans0.0611%4,811
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)78.8231%523
Efficiency ratio49.0120%6,661
Assets per employee ($millions)8.3418%421
Cash dividends to net income (ytd only)*16.4473%3,200
Condition Ratios (%)
Loss allowance to loans2.9127%789
Loan loss allowance to noncurrent loans84.3388%3,705
Noncurrent assets plus other real estate owned to assets1.8639%2,841
Noncurrent loans to loans3.4535%1,577
Net loans and leases to total assets39.3637%6,330
Net loans and leases to deposits54.3497%5,777
Net loans and leases to core deposits60.6720%5,488
Total domestic deposits to total assets72.4268%6,720
Equity capital to assets14.6133%934
Core capital (leverage) ratio14.4607%714
Tier 1 risk-based capital ratio28.6312%609
Total risk-based capital ratio29.8958%597
Memoranda:
Average total assets$4,770,055,750182
Average earning assets$4,535,972,500171
Average equity$691,813,000158
Average total loans$2,034,653,500243
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0565%5,464
Cost of funding earning assets0.1612%7,092
Net interest margin3.8953%2,924
Noninterest income to average assets0.4336%4,408
Noninterest expense to average assets1.9271%6,551
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.4880%1,010
Return on assets (ROA)1.4892%1,132
Pretax return on assets2.2103%474
Return on Equity (ROE)10.2946%2,241
Retained earnings to average equity (ytd only)8.6893%1,382
Net charge-offs to loans0.1273%3,911
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)39.9847%876
Efficiency ratio46.5978%6,853
Assets per employee ($millions)8.0878%452
Cash dividends to net income (ytd only)*15.5934%3,129
Condition Ratios (%)
Loss allowance to loans2.7959%951
Loan loss allowance to noncurrent loans81.1434%3,752
Noncurrent assets plus other real estate owned to assets1.9182%2,884
Noncurrent loans to loans3.4456%1,675
Net loans and leases to total assets41.5726%6,220
Net loans and leases to deposits57.0319%5,547
Net loans and leases to core deposits63.9282%5,218
Total domestic deposits to total assets72.8936%6,756
Equity capital to assets14.6313%878
Core capital (leverage) ratio14.4710%704
Tier 1 risk-based capital ratio27.6394%679
Total risk-based capital ratio28.9033%661
Memoranda:
Average total assets$4,736,207,000180
Average earning assets$4,501,122,330172
Average equity$685,117,330158
Average total loans$2,054,479,670240
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3163%4,677
Cost of funding earning assets0.1638%7,161
Net interest margin4.1525%1,926
Noninterest income to average assets0.3511%5,052
Noninterest expense to average assets1.9527%6,549
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.5692%915
Return on assets (ROA)1.5716%1,018
Pretax return on assets2.3487%417
Return on Equity (ROE)10.9280%2,044
Retained earnings to average equity (ytd only)9.3056%1,471
Net charge-offs to loans0.0651%3,841
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)82.5075%411
Efficiency ratio45.4348%6,930
Assets per employee ($millions)7.9890%481
Cash dividends to net income (ytd only)*14.8464%2,446
Condition Ratios (%)
Loss allowance to loans2.8603%948
Loan loss allowance to noncurrent loans63.1092%4,355
Noncurrent assets plus other real estate owned to assets2.3462%2,539
Noncurrent loans to loans4.5324%1,278
Net loans and leases to total assets41.3903%6,242
Net loans and leases to deposits55.8658%5,619
Net loans and leases to core deposits62.5413%5,269
Total domestic deposits to total assets74.0888%6,736
Equity capital to assets14.3787%900
Core capital (leverage) ratio14.4548%699
Tier 1 risk-based capital ratio27.7344%663
Total risk-based capital ratio28.9994%647
Memoranda:
Average total assets$4,714,379,000178
Average earning assets$4,480,862,000168
Average equity$677,998,500158
Average total loans$2,059,586,500236
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2596%5,888
Cost of funding earning assets0.2250%7,209
Net interest margin4.0346%2,709
Noninterest income to average assets0.4583%4,157
Noninterest expense to average assets1.9274%6,794
Loan and lease loss provision to assets0.3205%3,120
Net operating income to assets1.3319%1,175
Return on assets (ROA)1.3344%1,253
Pretax return on assets2.0412%489
Return on Equity (ROE)9.1226%2,397
Retained earnings to average equity (ytd only)6.9204%1,539
Net charge-offs to loans0.5437%2,839
Credit loss provision to net charge-offs124.9560%2,510
Earnings coverage of net charge-offs (x)9.1917%2,022
Efficiency ratio44.9785%7,092
Assets per employee ($millions)7.9511%482
Cash dividends to net income (ytd only)*24.1399%3,367
Condition Ratios (%)
Loss allowance to loans2.8013%980
Loan loss allowance to noncurrent loans46.2355%5,239
Noncurrent assets plus other real estate owned to assets3.2082%1,864
Noncurrent loans to loans6.0588%812
Net loans and leases to total assets43.5363%6,250
Net loans and leases to deposits59.7766%5,513
Net loans and leases to core deposits67.2697%5,125
Total domestic deposits to total assets72.8317%6,822
Equity capital to assets14.3843%937
Core capital (leverage) ratio14.2632%764
Tier 1 risk-based capital ratio26.6729%727
Total risk-based capital ratio27.9376%708
Memoranda:
Average total assets$4,430,203,400183
Average earning assets$4,202,106,000176
Average equity$648,036,200159
Average total loans$2,089,958,200231
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3582%5,746
Cost of funding earning assets0.2396%7,286
Net interest margin4.1187%2,399
Noninterest income to average assets0.4631%4,191
Noninterest expense to average assets1.9588%6,769
Loan and lease loss provision to assets0.2668%3,375
Net operating income to assets1.3802%1,199
Return on assets (ROA)1.3822%1,274
Pretax return on assets2.1471%473
Return on Equity (ROE)9.4073%2,422
Retained earnings to average equity (ytd only)7.6957%1,629
Net charge-offs to loans0.3866%3,184
Credit loss provision to net charge-offs144.3418%2,200
Earnings coverage of net charge-offs (x)13.0431%1,649
Efficiency ratio44.8288%7,111
Assets per employee ($millions)7.8701%496
Cash dividends to net income (ytd only)*18.1947%3,007
Condition Ratios (%)
Loss allowance to loans2.8274%1,009
Loan loss allowance to noncurrent loans43.0919%5,433
Noncurrent assets plus other real estate owned to assets3.7129%1,684
Noncurrent loans to loans6.5614%800
Net loans and leases to total assets44.4426%6,291
Net loans and leases to deposits61.9194%5,412
Net loans and leases to core deposits70.2177%4,928
Total domestic deposits to total assets71.7749%6,947
Equity capital to assets14.6966%931
Core capital (leverage) ratio14.6925%729
Tier 1 risk-based capital ratio27.3075%717
Total risk-based capital ratio28.5734%696
Memoranda:
Average total assets$4,372,918,000186
Average earning assets$4,147,592,000177
Average equity$642,491,250161
Average total loans$2,090,705,250231
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4347%5,571
Cost of funding earning assets0.2490%7,363
Net interest margin4.1857%2,093
Noninterest income to average assets0.4600%4,193
Noninterest expense to average assets2.0014%6,788
Loan and lease loss provision to assets0.3120%2,922
Net operating income to assets1.3575%1,179
Return on assets (ROA)1.3578%1,249
Pretax return on assets2.1138%479
Return on Equity (ROE)9.2422%2,417
Retained earnings to average equity (ytd only)7.5122%1,651
Net charge-offs to loans0.3635%3,100
Credit loss provision to net charge-offs176.8405%1,698
Earnings coverage of net charge-offs (x)13.7488%1,523
Efficiency ratio45.2111%7,194
Assets per employee ($millions)7.6345%537
Cash dividends to net income (ytd only)*18.7181%2,905
Condition Ratios (%)
Loss allowance to loans2.7212%1,159
Loan loss allowance to noncurrent loans43.2627%5,440
Noncurrent assets plus other real estate owned to assets4.1860%1,517
Noncurrent loans to loans6.2900%912
Net loans and leases to total assets48.4459%6,003
Net loans and leases to deposits68.4526%4,641
Net loans and leases to core deposits77.4451%4,128
Total domestic deposits to total assets70.7730%7,068
Equity capital to assets15.0099%821
Core capital (leverage) ratio14.6883%728
Tier 1 risk-based capital ratio25.5794%843
Total risk-based capital ratio26.8441%827
Memoranda:
Average total assets$4,327,377,000188
Average earning assets$4,101,103,000182
Average equity$635,739,330163
Average total loans$2,100,116,670234
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4249%5,602
Cost of funding earning assets0.2503%7,438
Net interest margin4.1747%1,983
Noninterest income to average assets0.4362%4,401
Noninterest expense to average assets2.1101%6,613
Loan and lease loss provision to assets0.0647%5,186
Net operating income to assets1.4167%1,037
Return on assets (ROA)1.4171%1,071
Pretax return on assets2.2190%388
Return on Equity (ROE)9.7516%2,187
Retained earnings to average equity (ytd only)8.0037%1,734
Net charge-offs to loans-0.1479%7,199
Credit loss provision to net charge-offs-91.2647%5,705
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.0309%7,113
Assets per employee ($millions)7.8547%496
Cash dividends to net income (ytd only)*17.9247%2,250
Condition Ratios (%)
Loss allowance to loans2.7471%1,158
Loan loss allowance to noncurrent loans65.8174%4,123
Noncurrent assets plus other real estate owned to assets2.9573%2,333
Noncurrent loans to loans4.1739%1,719
Net loans and leases to total assets45.9514%6,294
Net loans and leases to deposits65.8174%5,000
Net loans and leases to core deposits74.6376%4,471
Total domestic deposits to total assets69.8165%7,191
Equity capital to assets14.4488%894
Core capital (leverage) ratio14.5204%738
Tier 1 risk-based capital ratio25.7184%810
Total risk-based capital ratio26.9829%788
Memoranda:
Average total assets$4,330,506,000189
Average earning assets$4,104,678,500181
Average equity$629,312,000164
Average total loans$2,074,191,500234
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5270%6,322
Cost of funding earning assets0.3041%7,502
Net interest margin4.2229%2,083
Noninterest income to average assets0.4369%4,618
Noninterest expense to average assets1.8848%7,179
Loan and lease loss provision to assets0.6242%2,640
Net operating income to assets1.2621%1,262
Return on assets (ROA)1.2757%1,295
Pretax return on assets1.9711%515
Return on Equity (ROE)8.7537%2,396
Retained earnings to average equity (ytd only)6.3981%1,621
Net charge-offs to loans1.3758%1,623
Credit loss provision to net charge-offs92.4343%5,019
Earnings coverage of net charge-offs (x)3.8122%3,176
Efficiency ratio42.2674%7,454
Assets per employee ($millions)7.7078%544
Cash dividends to net income (ytd only)*26.9092%3,186
Condition Ratios (%)
Loss allowance to loans2.6872%1,188
Loan loss allowance to noncurrent loans55.8409%4,665
Noncurrent assets plus other real estate owned to assets3.2122%2,204
Noncurrent loans to loans4.8123%1,429
Net loans and leases to total assets47.2606%6,454
Net loans and leases to deposits67.0587%5,244
Net loans and leases to core deposits76.7317%4,617
Total domestic deposits to total assets70.4765%7,211
Equity capital to assets14.6180%879
Core capital (leverage) ratio14.3076%786
Tier 1 risk-based capital ratio25.3304%817
Total risk-based capital ratio26.5943%793
Memoranda:
Average total assets$4,157,167,800195
Average earning assets$3,959,732,800185
Average equity$605,848,400167
Average total loans$2,040,566,400236
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5770%6,400
Cost of funding earning assets0.3173%7,625
Net interest margin4.2598%1,995
Noninterest income to average assets0.3449%5,410
Noninterest expense to average assets1.8819%7,232
Loan and lease loss provision to assets0.6278%2,425
Net operating income to assets1.1987%1,598
Return on assets (ROA)1.2166%1,624
Pretax return on assets1.9258%731
Return on Equity (ROE)8.3548%2,768
Retained earnings to average equity (ytd only)6.5266%2,076
Net charge-offs to loans1.3325%1,525
Credit loss provision to net charge-offs95.7232%4,530
Earnings coverage of net charge-offs (x)3.8508%3,277
Efficiency ratio42.6991%7,505
Assets per employee ($millions)7.7226%561
Cash dividends to net income (ytd only)*21.8815%2,888
Condition Ratios (%)
Loss allowance to loans2.8019%1,001
Loan loss allowance to noncurrent loans53.5350%4,733
Noncurrent assets plus other real estate owned to assets3.0835%2,348
Noncurrent loans to loans5.2338%1,300
Net loans and leases to total assets46.2887%6,671
Net loans and leases to deposits66.5018%5,607
Net loans and leases to core deposits76.8470%4,944
Total domestic deposits to total assets69.6052%7,290
Equity capital to assets14.4378%1,035
Core capital (leverage) ratio14.3421%847
Tier 1 risk-based capital ratio25.9267%778
Total risk-based capital ratio27.1925%763
Memoranda:
Average total assets$4,130,858,250195
Average earning assets$3,939,593,000184
Average equity$601,540,500168
Average total loans$2,033,191,250238
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6537%6,298
Cost of funding earning assets0.3320%7,693
Net interest margin4.3216%1,699
Noninterest income to average assets0.4581%4,455
Noninterest expense to average assets1.9050%7,258
Loan and lease loss provision to assets0.7561%1,903
Net operating income to assets1.1980%1,566
Return on assets (ROA)1.2253%1,558
Pretax return on assets1.9637%651
Return on Equity (ROE)8.3894%2,718
Retained earnings to average equity (ytd only)6.5468%2,058
Net charge-offs to loans1.1723%1,621
Credit loss provision to net charge-offs129.5706%3,105
Earnings coverage of net charge-offs (x)4.5880%2,907
Efficiency ratio41.5736%7,608
Assets per employee ($millions)7.5769%606
Cash dividends to net income (ytd only)*21.9626%2,831
Condition Ratios (%)
Loss allowance to loans2.9912%826
Loan loss allowance to noncurrent loans53.6318%4,727
Noncurrent assets plus other real estate owned to assets3.4997%2,005
Noncurrent loans to loans5.5772%1,180
Net loans and leases to total assets47.4297%6,665
Net loans and leases to deposits67.6338%5,599
Net loans and leases to core deposits78.8698%4,822
Total domestic deposits to total assets70.1272%7,318
Equity capital to assets14.4672%1,022
Core capital (leverage) ratio14.4130%833
Tier 1 risk-based capital ratio25.8075%781
Total risk-based capital ratio27.0760%769
Memoranda:
Average total assets$4,086,849,330197
Average earning assets$3,900,097,670188
Average equity$596,898,670169
Average total loans$2,034,215,670237
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7148%6,195
Cost of funding earning assets0.3437%7,796
Net interest margin4.3712%1,473
Noninterest income to average assets0.4398%4,563
Noninterest expense to average assets1.8598%7,396
Loan and lease loss provision to assets0.6691%1,895
Net operating income to assets1.2904%1,321
Return on assets (ROA)1.3185%1,332
Pretax return on assets2.1255%479
Return on Equity (ROE)8.9832%2,501
Retained earnings to average equity (ytd only)7.1259%2,080
Net charge-offs to loans2.0785%820
Credit loss provision to net charge-offs64.0843%4,225
Earnings coverage of net charge-offs (x)2.6346%3,220
Efficiency ratio40.3380%7,727
Assets per employee ($millions)7.2771%725
Cash dividends to net income (ytd only)*20.6751%2,225
Condition Ratios (%)
Loss allowance to loans2.6604%1,114
Loan loss allowance to noncurrent loans46.8188%5,222
Noncurrent assets plus other real estate owned to assets3.5119%2,003
Noncurrent loans to loans5.6824%1,199
Net loans and leases to total assets48.2823%6,646
Net loans and leases to deposits67.3875%5,663
Net loans and leases to core deposits78.4084%4,976
Total domestic deposits to total assets71.6488%7,297
Equity capital to assets14.6134%976
Core capital (leverage) ratio14.5724%838
Tier 1 risk-based capital ratio25.7343%795
Total risk-based capital ratio26.9994%780
Memoranda:
Average total assets$4,035,260,500202
Average earning assets$3,850,234,000195
Average equity$592,259,000170
Average total loans$2,027,026,500248
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1048%6,067
Cost of funding earning assets0.4937%7,836
Net interest margin4.6110%962
Noninterest income to average assets0.3144%5,831
Noninterest expense to average assets1.9803%7,393
Loan and lease loss provision to assets1.0495%2,188
Net operating income to assets1.0468%1,678
Return on assets (ROA)1.0468%1,719
Pretax return on assets1.6978%782
Return on Equity (ROE)7.0762%2,764
Retained earnings to average equity (ytd only)4.5947%2,037
Net charge-offs to loans1.8250%1,364
Credit loss provision to net charge-offs110.7402%4,969
Earnings coverage of net charge-offs (x)2.8989%3,637
Efficiency ratio41.8887%7,827
Assets per employee ($millions)7.3855%678
Cash dividends to net income (ytd only)*35.0673%3,124
Condition Ratios (%)
Loss allowance to loans2.8513%880
Loan loss allowance to noncurrent loans80.6626%3,424
Noncurrent assets plus other real estate owned to assets2.2909%3,018
Noncurrent loans to loans3.5349%2,145
Net loans and leases to total assets49.4303%6,691
Net loans and leases to deposits69.2125%5,696
Net loans and leases to core deposits94.5403%4,622
Total domestic deposits to total assets71.4181%7,294
Equity capital to assets14.7425%965
Core capital (leverage) ratio14.2890%932
Tier 1 risk-based capital ratio25.3589%811
Total risk-based capital ratio26.6261%795
Memoranda:
Average total assets$3,887,634,600215
Average earning assets$3,720,838,800203
Average equity$575,114,200169
Average total loans$2,018,774,200259
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1384%6,147
Cost of funding earning assets0.5258%7,927
Net interest margin4.6126%973
Noninterest income to average assets0.2958%6,109
Noninterest expense to average assets2.0464%7,295
Loan and lease loss provision to assets0.8867%2,170
Net operating income to assets1.0548%1,882
Return on assets (ROA)1.0548%1,945
Pretax return on assets1.7801%837
Return on Equity (ROE)7.1242%3,011
Retained earnings to average equity (ytd only)5.2020%2,369
Net charge-offs to loans1.3296%1,539
Credit loss provision to net charge-offs127.7653%3,928
Earnings coverage of net charge-offs (x)3.8425%3,366
Efficiency ratio43.4185%7,851
Assets per employee ($millions)7.0914%755
Cash dividends to net income (ytd only)*26.9813%2,985
Condition Ratios (%)
Loss allowance to loans2.9202%709
Loan loss allowance to noncurrent loans89.0936%3,083
Noncurrent assets plus other real estate owned to assets2.2314%3,057
Noncurrent loans to loans3.2776%2,309
Net loans and leases to total assets50.0673%6,777
Net loans and leases to deposits70.0352%5,913
Net loans and leases to core deposits97.0886%4,691
Total domestic deposits to total assets71.4888%7,280
Equity capital to assets14.8326%1,057
Core capital (leverage) ratio14.2991%1,008
Tier 1 risk-based capital ratio25.1881%875
Total risk-based capital ratio26.4562%854
Memoranda:
Average total assets$3,864,351,000224
Average earning assets$3,700,753,500216
Average equity$572,176,500172
Average total loans$2,017,103,500268
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1466%6,265
Cost of funding earning assets0.5584%8,016
Net interest margin4.5882%983
Noninterest income to average assets0.3239%5,922
Noninterest expense to average assets2.1087%7,258
Loan and lease loss provision to assets0.9379%1,799
Net operating income to assets0.9972%2,116
Return on assets (ROA)0.9972%2,212
Pretax return on assets1.6752%1,067
Return on Equity (ROE)6.7389%3,309
Retained earnings to average equity (ytd only)4.8025%2,639
Net charge-offs to loans1.6132%1,172
Credit loss provision to net charge-offs110.9331%4,172
Earnings coverage of net charge-offs (x)3.0907%3,573
Efficiency ratio44.6583%7,900
Assets per employee ($millions)6.9860%777
Cash dividends to net income (ytd only)*28.7349%2,889
Condition Ratios (%)
Loss allowance to loans2.7509%715
Loan loss allowance to noncurrent loans96.5561%2,988
Noncurrent assets plus other real estate owned to assets2.0955%3,065
Noncurrent loans to loans2.8491%2,530
Net loans and leases to total assets49.0746%6,958
Net loans and leases to deposits69.0135%6,090
Net loans and leases to core deposits96.7396%4,820
Total domestic deposits to total assets71.1087%7,350
Equity capital to assets14.3458%1,211
Core capital (leverage) ratio14.3719%1,052
Tier 1 risk-based capital ratio25.2480%919
Total risk-based capital ratio26.5145%897
Memoranda:
Average total assets$3,838,187,330228
Average earning assets$3,679,129,000216
Average equity$567,960,000175
Average total loans$2,011,653,330279
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1617%6,439
Cost of funding earning assets0.6209%8,043
Net interest margin4.5408%1,052
Noninterest income to average assets0.3517%5,632
Noninterest expense to average assets2.1265%7,060
Loan and lease loss provision to assets0.8520%1,530
Net operating income to assets1.0686%2,072
Return on assets (ROA)1.0686%2,203
Pretax return on assets1.7335%1,113
Return on Equity (ROE)7.1061%3,552
Retained earnings to average equity (ytd only)5.1592%3,036
Net charge-offs to loans2.2115%653
Credit loss provision to net charge-offs72.0786%4,316
Earnings coverage of net charge-offs (x)2.1873%3,646
Efficiency ratio45.1293%7,886
Assets per employee ($millions)6.6002%917
Cash dividends to net income (ytd only)*27.3969%2,390
Condition Ratios (%)
Loss allowance to loans2.5171%753
Loan loss allowance to noncurrent loans58.5021%4,690
Noncurrent assets plus other real estate owned to assets2.7328%2,083
Noncurrent loans to loans4.3026%1,364
Net loans and leases to total assets50.6748%6,796
Net loans and leases to deposits68.3792%6,145
Net loans and leases to core deposits96.9001%4,857
Total domestic deposits to total assets74.1085%6,869
Equity capital to assets14.6787%1,187
Core capital (leverage) ratio14.8648%997
Tier 1 risk-based capital ratio25.3718%942
Total risk-based capital ratio26.6363%915
Memoranda:
Average total assets$3,755,801,000229
Average earning assets$3,606,583,500215
Average equity$564,811,000172
Average total loans$2,007,477,500283
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6687%6,869
Cost of funding earning assets1.0996%8,008
Net interest margin4.5691%1,256
Noninterest income to average assets0.6259%3,666
Noninterest expense to average assets2.0297%7,387
Loan and lease loss provision to assets1.5568%855
Net operating income to assets0.8732%3,118
Return on assets (ROA)0.8732%2,973
Pretax return on assets1.3678%2,064
Return on Equity (ROE)4.9069%4,427
Retained earnings to average equity (ytd only)2.4998%3,639
Net charge-offs to loans1.4772%783
Credit loss provision to net charge-offs200.5222%2,430
Earnings coverage of net charge-offs (x)3.7670%4,227
Efficiency ratio40.9681%8,110
Assets per employee ($millions)6.0120%1,131
Cash dividends to net income (ytd only)*49.0546%3,176
Condition Ratios (%)
Loss allowance to loans2.6884%564
Loan loss allowance to noncurrent loans56.8016%5,139
Noncurrent assets plus other real estate owned to assets2.6037%1,848
Noncurrent loans to loans4.7330%978
Net loans and leases to total assets53.5334%6,701
Net loans and leases to deposits72.7686%5,970
Net loans and leases to core deposits103.5587%4,439
Total domestic deposits to total assets73.5666%6,724
Equity capital to assets15.4215%1,065
Core capital (leverage) ratio15.2160%976
Tier 1 risk-based capital ratio25.2265%966
Total risk-based capital ratio26.4930%945
Memoranda:
Average total assets$3,403,764,000237
Average earning assets$3,224,406,000227
Average equity$605,719,800166
Average total loans$1,788,931,800308