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Fifth Third Bank, Performance and Condition Ratios

2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8728%4,010
Cost of funding earning assets0.5163%2,665
Net interest margin3.3565%4,032
Noninterest income to average assets2.5367%195
Noninterest expense to average assets2.8503%2,531
Loan and lease loss provision to assets0.0689%2,387
Net operating income to assets2.0280%351
Return on assets (ROA)2.0101%367
Pretax return on assets2.6127%182
Return on Equity (ROE)16.6589%543
Retained earnings to average equity (ytd only)8.9502%1,472
Net charge-offs to loans0.3506%441
Credit loss provision to net charge-offs29.6956%2,068
Earnings coverage of net charge-offs (x)11.6576%1,835
Efficiency ratio51.2665%5,011
Assets per employee ($millions)7.6224%732
Cash dividends to net income (ytd only)*46.2737%1,615
Condition Ratios (%)
Loss allowance to loans1.2286%2,642
Loan loss allowance to noncurrent loans126.2163%3,040
Noncurrent assets plus other real estate owned to assets0.6780%2,299
Noncurrent loans to loans0.9734%1,872
Net loans and leases to total assets65.5661%3,109
Net loans and leases to deposits83.2034%2,482
Net loans and leases to core deposits87.5761%2,670
Total domestic deposits to total assets78.4511%4,657
Equity capital to assets12.0770%1,727
Core capital (leverage) ratio10.5115%2,929
Tier 1 risk-based capital ratio12.3851%4,317
Total risk-based capital ratio14.1476%3,897
Memoranda:
Average total assets$139,761,253,00017
Average earning assets$125,653,139,00018
Average equity$16,864,076,00016
Average total loans$92,461,248,00015
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6170%4,538
Cost of funding earning assets0.4114%3,143
Net interest margin3.2056%4,433
Noninterest income to average assets2.2635%249
Noninterest expense to average assets2.6837%3,184
Loan and lease loss provision to assets0.1874%1,129
Net operating income to assets1.6491%586
Return on assets (ROA)1.6463%608
Pretax return on assets2.2723%281
Return on Equity (ROE)13.5207%846
Retained earnings to average equity (ytd only)-0.2941%5,081
Net charge-offs to loans0.3236%782
Credit loss provision to net charge-offs87.3602%2,830
Earnings coverage of net charge-offs (x)11.4827%2,571
Efficiency ratio52.1099%5,094
Assets per employee ($millions)7.7498%695
Cash dividends to net income (ytd only)*102.1748%326
Condition Ratios (%)
Loss allowance to loans1.2932%2,250
Loan loss allowance to noncurrent loans143.7652%2,884
Noncurrent assets plus other real estate owned to assets0.6252%2,452
Noncurrent loans to loans0.8995%1,978
Net loans and leases to total assets65.0798%3,216
Net loans and leases to deposits85.0018%2,368
Net loans and leases to core deposits90.1719%2,554
Total domestic deposits to total assets76.2171%4,954
Equity capital to assets12.0557%1,793
Core capital (leverage) ratio10.3196%3,051
Tier 1 risk-based capital ratio12.0561%4,490
Total risk-based capital ratio13.8790%4,019
Memoranda:
Average total assets$139,288,778,80016
Average earning assets$125,303,855,80016
Average equity$16,960,076,60017
Average total loans$92,351,060,60013
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5988%4,563
Cost of funding earning assets0.3972%3,227
Net interest margin3.2016%4,444
Noninterest income to average assets2.4820%228
Noninterest expense to average assets2.6692%3,170
Loan and lease loss provision to assets0.1857%1,060
Net operating income to assets1.6202%685
Return on assets (ROA)1.6172%707
Pretax return on assets2.5029%205
Return on Equity (ROE)13.2485%1,000
Retained earnings to average equity (ytd only)1.1313%4,936
Net charge-offs to loans0.3214%654
Credit loss provision to net charge-offs87.0455%2,495
Earnings coverage of net charge-offs (x)12.6230%2,414
Efficiency ratio49.7495%5,265
Assets per employee ($millions)7.8875%655
Cash dividends to net income (ytd only)*91.4610%425
Condition Ratios (%)
Loss allowance to loans1.3011%2,349
Loan loss allowance to noncurrent loans137.3903%2,962
Noncurrent assets plus other real estate owned to assets0.6560%2,537
Noncurrent loans to loans0.9470%2,027
Net loans and leases to total assets65.2067%3,215
Net loans and leases to deposits86.8748%2,200
Net loans and leases to core deposits92.4950%2,396
Total domestic deposits to total assets74.6229%5,169
Equity capital to assets12.2649%1,798
Core capital (leverage) ratio10.5005%2,987
Tier 1 risk-based capital ratio12.3028%4,432
Total risk-based capital ratio14.1402%3,992
Memoranda:
Average total assets$139,091,549,25016
Average earning assets$125,141,685,50016
Average equity$16,978,245,25017
Average total loans$92,349,657,75013
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5491%4,636
Cost of funding earning assets0.3799%3,291
Net interest margin3.1692%4,498
Noninterest income to average assets1.5057%478
Noninterest expense to average assets2.6779%3,169
Loan and lease loss provision to assets0.1827%1,033
Net operating income to assets0.9836%2,512
Return on assets (ROA)0.9810%2,570
Pretax return on assets1.4901%1,689
Return on Equity (ROE)8.0499%3,001
Retained earnings to average equity (ytd only)1.2392%4,753
Net charge-offs to loans0.3350%603
Credit loss provision to net charge-offs82.0223%2,239
Earnings coverage of net charge-offs (x)7.5264%2,597
Efficiency ratio61.4653%4,089
Assets per employee ($millions)7.8383%661
Cash dividends to net income (ytd only)*84.6057%738
Condition Ratios (%)
Loss allowance to loans1.3078%2,373
Loan loss allowance to noncurrent loans123.2350%3,173
Noncurrent assets plus other real estate owned to assets0.7335%2,367
Noncurrent loans to loans1.0612%1,852
Net loans and leases to total assets65.5216%3,179
Net loans and leases to deposits85.9734%2,228
Net loans and leases to core deposits92.3126%2,314
Total domestic deposits to total assets75.5664%5,140
Equity capital to assets12.3160%1,721
Core capital (leverage) ratio10.5030%2,912
Tier 1 risk-based capital ratio12.2389%4,470
Total risk-based capital ratio14.0805%4,010
Memoranda:
Average total assets$138,792,676,00016
Average earning assets$124,772,118,00016
Average equity$16,914,521,33017
Average total loans$92,304,534,67013
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5187%4,641
Cost of funding earning assets0.3615%3,396
Net interest margin3.1572%4,478
Noninterest income to average assets1.4447%516
Noninterest expense to average assets2.7202%3,067
Loan and lease loss provision to assets0.2140%753
Net operating income to assets0.9000%2,764
Return on assets (ROA)0.8974%2,825
Pretax return on assets1.3408%2,095
Return on Equity (ROE)7.4027%3,211
Retained earnings to average equity (ytd only)0.0115%4,910
Net charge-offs to loans0.3903%469
Credit loss provision to net charge-offs82.3843%1,745
Earnings coverage of net charge-offs (x)5.9997%2,244
Efficiency ratio63.5493%3,910
Assets per employee ($millions)7.7855%675
Cash dividends to net income (ytd only)*99.8453%700
Condition Ratios (%)
Loss allowance to loans1.3201%2,437
Loan loss allowance to noncurrent loans114.4126%3,380
Noncurrent assets plus other real estate owned to assets0.8104%2,273
Noncurrent loans to loans1.1538%1,761
Net loans and leases to total assets65.9132%2,987
Net loans and leases to deposits84.6322%2,205
Net loans and leases to core deposits90.2388%2,332
Total domestic deposits to total assets77.5038%5,040
Equity capital to assets12.2245%1,697
Core capital (leverage) ratio10.4129%2,998
Tier 1 risk-based capital ratio12.1722%4,605
Total risk-based capital ratio14.0270%4,110
Memoranda:
Average total assets$138,840,047,00016
Average earning assets$124,636,850,50017
Average equity$16,830,755,00017
Average total loans$92,416,168,50013
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3868%5,007
Cost of funding earning assets0.3258%3,789
Net interest margin3.0610%4,820
Noninterest income to average assets1.8706%371
Noninterest expense to average assets2.6634%3,477
Loan and lease loss provision to assets0.2411%881
Net operating income to assets1.1361%1,744
Return on assets (ROA)1.1396%1,829
Pretax return on assets1.7082%983
Return on Equity (ROE)9.1846%2,323
Retained earnings to average equity (ytd only)-1.6684%5,505
Net charge-offs to loans0.3828%703
Credit loss provision to net charge-offs94.0234%2,726
Earnings coverage of net charge-offs (x)7.5804%3,003
Efficiency ratio57.7822%4,878
Assets per employee ($millions)7.8557%644
Cash dividends to net income (ytd only)*118.1656%238
Condition Ratios (%)
Loss allowance to loans1.3286%2,385
Loan loss allowance to noncurrent loans115.2944%3,343
Noncurrent assets plus other real estate owned to assets0.8135%2,315
Noncurrent loans to loans1.1523%1,779
Net loans and leases to total assets65.4529%3,150
Net loans and leases to deposits85.1330%2,292
Net loans and leases to core deposits90.8464%2,420
Total domestic deposits to total assets76.4312%5,191
Equity capital to assets12.0217%1,783
Core capital (leverage) ratio10.2969%3,112
Tier 1 risk-based capital ratio11.9217%4,782
Total risk-based capital ratio13.7593%4,260
Memoranda:
Average total assets$140,049,384,20017
Average earning assets$125,215,051,00017
Average equity$17,377,638,00016
Average total loans$93,816,211,60012
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3834%5,061
Cost of funding earning assets0.3186%3,887
Net interest margin3.0648%4,865
Noninterest income to average assets1.9162%368
Noninterest expense to average assets2.6707%3,427
Loan and lease loss provision to assets0.2700%661
Net operating income to assets1.1417%1,843
Return on assets (ROA)1.1487%1,916
Pretax return on assets1.7250%1,049
Return on Equity (ROE)9.1864%2,405
Retained earnings to average equity (ytd only)-0.2192%5,397
Net charge-offs to loans0.4060%528
Credit loss provision to net charge-offs99.0384%2,399
Earnings coverage of net charge-offs (x)7.2798%2,897
Efficiency ratio57.3435%4,916
Assets per employee ($millions)7.8111%633
Cash dividends to net income (ytd only)*102.3857%359
Condition Ratios (%)
Loss allowance to loans1.3294%2,533
Loan loss allowance to noncurrent loans117.6200%3,281
Noncurrent assets plus other real estate owned to assets0.8203%2,497
Noncurrent loans to loans1.1302%1,993
Net loans and leases to total assets65.9431%3,131
Net loans and leases to deposits88.5212%1,949
Net loans and leases to core deposits95.1016%2,092
Total domestic deposits to total assets73.8820%5,448
Equity capital to assets12.5936%1,717
Core capital (leverage) ratio10.4591%3,037
Tier 1 risk-based capital ratio11.9808%4,800
Total risk-based capital ratio13.8171%4,341
Memoranda:
Average total assets$140,117,688,25017
Average earning assets$125,225,286,75017
Average equity$17,521,170,75016
Average total loans$94,090,395,25012
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3786%5,129
Cost of funding earning assets0.3075%4,044
Net interest margin3.0711%4,919
Noninterest income to average assets1.6970%435
Noninterest expense to average assets2.6857%3,439
Loan and lease loss provision to assets0.2912%625
Net operating income to assets0.9698%2,524
Return on assets (ROA)0.9781%2,627
Pretax return on assets1.4738%1,758
Return on Equity (ROE)7.8408%3,066
Retained earnings to average equity (ytd only)-1.1208%5,451
Net charge-offs to loans0.3824%599
Credit loss provision to net charge-offs113.1976%1,938
Earnings coverage of net charge-offs (x)6.8124%2,700
Efficiency ratio60.4881%4,581
Assets per employee ($millions)7.8807%598
Cash dividends to net income (ytd only)*114.2946%377
Condition Ratios (%)
Loss allowance to loans1.3494%2,537
Loan loss allowance to noncurrent loans120.2400%3,331
Noncurrent assets plus other real estate owned to assets0.8286%2,519
Noncurrent loans to loans1.1222%2,052
Net loans and leases to total assets66.1737%3,054
Net loans and leases to deposits88.5439%1,913
Net loans and leases to core deposits95.3255%2,036
Total domestic deposits to total assets73.8500%5,528
Equity capital to assets12.5929%1,714
Core capital (leverage) ratio10.3693%3,114
Tier 1 risk-based capital ratio11.8251%4,957
Total risk-based capital ratio13.6676%4,493
Memoranda:
Average total assets$139,899,781,67017
Average earning assets$124,862,975,00017
Average equity$17,452,168,00016
Average total loans$94,093,960,67012
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3843%5,160
Cost of funding earning assets0.2910%4,269
Net interest margin3.0932%4,880
Noninterest income to average assets1.7616%404
Noninterest expense to average assets2.6968%3,430
Loan and lease loss provision to assets0.3403%441
Net operating income to assets0.9759%2,389
Return on assets (ROA)0.9830%2,472
Pretax return on assets1.4907%1,626
Return on Equity (ROE)7.9182%2,962
Retained earnings to average equity (ytd only)-3.7627%5,534
Net charge-offs to loans0.4118%550
Credit loss provision to net charge-offs122.7028%1,426
Earnings coverage of net charge-offs (x)6.5625%2,233
Efficiency ratio59.6752%4,792
Assets per employee ($millions)7.7099%634
Cash dividends to net income (ytd only)*147.5193%396
Condition Ratios (%)
Loss allowance to loans1.3529%2,639
Loan loss allowance to noncurrent loans116.5092%3,289
Noncurrent assets plus other real estate owned to assets0.8671%2,526
Noncurrent loans to loans1.1612%2,082
Net loans and leases to total assets66.4431%2,883
Net loans and leases to deposits87.9151%1,837
Net loans and leases to core deposits94.3181%1,961
Total domestic deposits to total assets75.0220%5,520
Equity capital to assets12.4806%1,695
Core capital (leverage) ratio10.3851%3,088
Tier 1 risk-based capital ratio11.7854%5,057
Total risk-based capital ratio13.6280%4,567
Memoranda:
Average total assets$139,293,513,50016
Average earning assets$124,079,598,00017
Average equity$17,293,163,50016
Average total loans$93,812,706,00012
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3290%5,297
Cost of funding earning assets0.2604%4,685
Net interest margin3.0686%4,980
Noninterest income to average assets2.0907%340
Noninterest expense to average assets2.6092%3,889
Loan and lease loss provision to assets0.2811%643
Net operating income to assets1.2461%1,395
Return on assets (ROA)1.2516%1,436
Pretax return on assets1.9294%626
Return on Equity (ROE)10.2890%1,885
Retained earnings to average equity (ytd only)4.1081%3,081
Net charge-offs to loans0.4788%563
Credit loss provision to net charge-offs87.4195%2,805
Earnings coverage of net charge-offs (x)6.8491%3,163
Efficiency ratio54.2002%5,508
Assets per employee ($millions)7.6107%656
Cash dividends to net income (ytd only)*60.0727%1,730
Condition Ratios (%)
Loss allowance to loans1.3426%2,699
Loan loss allowance to noncurrent loans135.0874%3,019
Noncurrent assets plus other real estate owned to assets0.7682%2,760
Noncurrent loans to loans0.9939%2,351
Net loans and leases to total assets66.4393%2,919
Net loans and leases to deposits85.6806%2,167
Net loans and leases to core deposits91.6148%2,263
Total domestic deposits to total assets76.9617%5,320
Equity capital to assets12.3486%1,705
Core capital (leverage) ratio10.4331%3,015
Tier 1 risk-based capital ratio11.9245%5,004
Total risk-based capital ratio13.1205%4,939
Memoranda:
Average total assets$138,327,269,80015
Average earning assets$122,637,398,60017
Average equity$16,826,063,20016
Average total loans$92,876,318,40012
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3122%5,385
Cost of funding earning assets0.2583%4,787
Net interest margin3.0539%5,066
Noninterest income to average assets1.7480%433
Noninterest expense to average assets2.5887%3,918
Loan and lease loss provision to assets0.2872%538
Net operating income to assets1.0247%2,355
Return on assets (ROA)1.0320%2,409
Pretax return on assets1.5864%1,425
Return on Equity (ROE)8.5162%2,818
Retained earnings to average equity (ytd only)2.3085%4,733
Net charge-offs to loans0.5256%453
Credit loss provision to net charge-offs81.4492%2,590
Earnings coverage of net charge-offs (x)5.2815%3,226
Efficiency ratio58.1242%5,106
Assets per employee ($millions)7.6160%647
Cash dividends to net income (ytd only)*72.8924%931
Condition Ratios (%)
Loss allowance to loans1.3147%3,012
Loan loss allowance to noncurrent loans143.1661%2,911
Noncurrent assets plus other real estate owned to assets0.7286%3,087
Noncurrent loans to loans0.9183%2,681
Net loans and leases to total assets66.8259%2,874
Net loans and leases to deposits88.5954%1,823
Net loans and leases to core deposits95.5234%1,931
Total domestic deposits to total assets74.6101%5,649
Equity capital to assets12.2038%1,959
Core capital (leverage) ratio10.2141%3,357
Tier 1 risk-based capital ratio11.3852%5,436
Total risk-based capital ratio12.5530%5,389
Memoranda:
Average total assets$138,253,928,50015
Average earning assets$122,369,674,25015
Average equity$16,753,148,00016
Average total loans$92,757,414,50012
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2846%5,466
Cost of funding earning assets0.2613%4,814
Net interest margin3.0232%5,169
Noninterest income to average assets1.6401%492
Noninterest expense to average assets2.5879%3,944
Loan and lease loss provision to assets0.2051%954
Net operating income to assets0.9788%2,503
Return on assets (ROA)0.9861%2,574
Pretax return on assets1.5311%1,554
Return on Equity (ROE)8.1576%2,962
Retained earnings to average equity (ytd only)1.5568%4,923
Net charge-offs to loans0.3844%678
Credit loss provision to net charge-offs79.7894%2,337
Earnings coverage of net charge-offs (x)6.7087%2,748
Efficiency ratio59.9707%4,986
Assets per employee ($millions)7.5161%666
Cash dividends to net income (ytd only)*80.9165%897
Condition Ratios (%)
Loss allowance to loans1.3613%2,923
Loan loss allowance to noncurrent loans143.4853%2,898
Noncurrent assets plus other real estate owned to assets0.7542%3,127
Noncurrent loans to loans0.9488%2,752
Net loans and leases to total assets66.2769%2,901
Net loans and leases to deposits86.6850%1,981
Net loans and leases to core deposits93.1810%2,043
Total domestic deposits to total assets75.6825%5,636
Equity capital to assets11.9200%2,090
Core capital (leverage) ratio10.1427%3,406
Tier 1 risk-based capital ratio11.2576%5,596
Total risk-based capital ratio12.4568%5,540
Memoranda:
Average total assets$137,853,270,67015
Average earning assets$121,864,107,67015
Average equity$16,664,569,33016
Average total loans$92,198,466,00012
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2461%5,562
Cost of funding earning assets0.2702%4,784
Net interest margin2.9759%5,280
Noninterest income to average assets1.7748%424
Noninterest expense to average assets2.5663%4,044
Loan and lease loss provision to assets0.1987%934
Net operating income to assets1.0662%1,980
Return on assets (ROA)1.0727%2,082
Pretax return on assets1.6446%1,166
Return on Equity (ROE)8.8113%2,541
Retained earnings to average equity (ytd only)2.2235%4,573
Net charge-offs to loans0.3979%616
Credit loss provision to net charge-offs74.8525%1,882
Earnings coverage of net charge-offs (x)6.9052%2,233
Efficiency ratio58.2946%5,302
Assets per employee ($millions)7.4728%682
Cash dividends to net income (ytd only)*74.7650%1,077
Condition Ratios (%)
Loss allowance to loans1.4011%2,911
Loan loss allowance to noncurrent loans131.1502%3,060
Noncurrent assets plus other real estate owned to assets0.8461%2,965
Noncurrent loans to loans1.0684%2,628
Net loans and leases to total assets65.5935%2,839
Net loans and leases to deposits84.7165%1,983
Net loans and leases to core deposits87.4249%2,384
Total domestic deposits to total assets76.5792%5,677
Equity capital to assets12.1953%1,897
Core capital (leverage) ratio10.2998%3,214
Tier 1 risk-based capital ratio11.3610%5,626
Total risk-based capital ratio12.5845%5,552
Memoranda:
Average total assets$137,154,892,00014
Average earning assets$120,974,219,50015
Average equity$16,697,584,00016
Average total loans$91,515,508,50012
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6261%5,012
Cost of funding earning assets0.2514%5,307
Net interest margin3.3746%4,305
Noninterest income to average assets1.7484%420
Noninterest expense to average assets2.7252%3,769
Loan and lease loss provision to assets0.2427%965
Net operating income to assets1.1387%1,821
Return on assets (ROA)1.1488%1,843
Pretax return on assets1.7619%863
Return on Equity (ROE)9.2661%2,459
Retained earnings to average equity (ytd only)2.5099%4,451
Net charge-offs to loans0.6339%617
Credit loss provision to net charge-offs55.1802%3,375
Earnings coverage of net charge-offs (x)4.5222%3,631
Efficiency ratio57.7363%5,490
Assets per employee ($millions)7.4263%684
Cash dividends to net income (ytd only)*72.9136%1,178
Condition Ratios (%)
Loss allowance to loans1.4361%2,766
Loan loss allowance to noncurrent loans119.6323%3,313
Noncurrent assets plus other real estate owned to assets0.9628%2,835
Noncurrent loans to loans1.2005%2,449
Net loans and leases to total assets65.9642%2,889
Net loans and leases to deposits85.3537%2,055
Net loans and leases to core deposits88.7177%2,418
Total domestic deposits to total assets76.1764%5,708
Equity capital to assets12.1530%1,902
Core capital (leverage) ratio10.4879%2,958
Tier 1 risk-based capital ratio11.7468%5,517
Total risk-based capital ratio12.8652%5,512
Memoranda:
Average total assets$130,610,147,80014
Average earning assets$114,792,144,40014
Average equity$16,192,405,20016
Average total loans$90,626,180,00012
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6785%4,917
Cost of funding earning assets0.2379%5,532
Net interest margin3.4405%4,062
Noninterest income to average assets1.7257%436
Noninterest expense to average assets2.7767%3,555
Loan and lease loss provision to assets0.2239%1,017
Net operating income to assets1.1365%1,911
Return on assets (ROA)1.1473%1,933
Pretax return on assets1.7630%957
Return on Equity (ROE)9.2065%2,583
Retained earnings to average equity (ytd only)2.8381%4,579
Net charge-offs to loans0.5657%663
Credit loss provision to net charge-offs56.5058%3,004
Earnings coverage of net charge-offs (x)4.9731%3,344
Efficiency ratio58.4234%5,389
Assets per employee ($millions)7.1246%767
Cash dividends to net income (ytd only)*69.1728%1,051
Condition Ratios (%)
Loss allowance to loans1.5369%2,561
Loan loss allowance to noncurrent loans131.6063%3,025
Noncurrent assets plus other real estate owned to assets0.9911%2,971
Noncurrent loans to loans1.1678%2,727
Net loans and leases to total assets68.0656%2,527
Net loans and leases to deposits89.0828%1,544
Net loans and leases to core deposits93.3680%1,927
Total domestic deposits to total assets74.9418%5,932
Equity capital to assets12.4025%1,770
Core capital (leverage) ratio10.6798%2,836
Tier 1 risk-based capital ratio11.7633%5,633
Total risk-based capital ratio12.8864%5,632
Memoranda:
Average total assets$129,192,855,50016
Average earning assets$113,448,778,75015
Average equity$16,100,005,25018
Average total loans$90,481,365,75013
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6898%4,890
Cost of funding earning assets0.2276%5,680
Net interest margin3.4622%3,926
Noninterest income to average assets1.8797%380
Noninterest expense to average assets2.8631%3,296
Loan and lease loss provision to assets0.2273%1,010
Net operating income to assets1.1867%1,632
Return on assets (ROA)1.1989%1,661
Pretax return on assets1.8444%766
Return on Equity (ROE)9.6047%2,323
Retained earnings to average equity (ytd only)3.6859%3,846
Net charge-offs to loans0.5964%675
Credit loss provision to net charge-offs54.1640%2,731
Earnings coverage of net charge-offs (x)4.8926%3,026
Efficiency ratio58.1700%5,535
Assets per employee ($millions)6.9499%817
Cash dividends to net income (ytd only)*61.6238%1,462
Condition Ratios (%)
Loss allowance to loans1.5866%2,518
Loan loss allowance to noncurrent loans134.9943%2,923
Noncurrent assets plus other real estate owned to assets1.0306%3,010
Noncurrent loans to loans1.1753%2,882
Net loans and leases to total assets68.8129%2,275
Net loans and leases to deposits90.0874%1,365
Net loans and leases to core deposits94.8283%1,698
Total domestic deposits to total assets75.0353%6,019
Equity capital to assets12.5681%1,605
Core capital (leverage) ratio10.7242%2,693
Tier 1 risk-based capital ratio11.6853%5,700
Total risk-based capital ratio12.8118%5,719
Memoranda:
Average total assets$128,315,079,33015
Average earning assets$112,530,347,67015
Average equity$16,016,742,67018
Average total loans$90,265,554,33013
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6996%4,852
Cost of funding earning assets0.2167%5,871
Net interest margin3.4829%3,771
Noninterest income to average assets1.6177%470
Noninterest expense to average assets2.8696%3,314
Loan and lease loss provision to assets0.2170%1,050
Net operating income to assets1.0333%2,071
Return on assets (ROA)1.0457%2,096
Pretax return on assets1.5990%1,177
Return on Equity (ROE)8.4073%2,733
Retained earnings to average equity (ytd only)3.0046%4,310
Net charge-offs to loans0.7474%467
Credit loss provision to net charge-offs41.1482%2,291
Earnings coverage of net charge-offs (x)3.4074%2,689
Efficiency ratio61.4155%5,216
Assets per employee ($millions)6.6735%940
Cash dividends to net income (ytd only)*64.2616%1,290
Condition Ratios (%)
Loss allowance to loans1.6256%2,594
Loan loss allowance to noncurrent loans124.6684%3,055
Noncurrent assets plus other real estate owned to assets1.1582%2,946
Noncurrent loans to loans1.3040%2,847
Net loans and leases to total assets69.8019%1,932
Net loans and leases to deposits88.8876%1,264
Net loans and leases to core deposits94.8307%1,482
Total domestic deposits to total assets76.7696%5,992
Equity capital to assets12.5424%1,548
Core capital (leverage) ratio10.7839%2,617
Tier 1 risk-based capital ratio11.5527%5,884
Total risk-based capital ratio12.6808%5,905
Memoranda:
Average total assets$127,379,473,00015
Average earning assets$111,505,862,00015
Average equity$15,844,131,50018
Average total loans$89,883,710,50013
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9045%4,443
Cost of funding earning assets0.2211%6,171
Net interest margin3.6834%3,122
Noninterest income to average assets2.4624%285
Noninterest expense to average assets3.1380%2,622
Loan and lease loss provision to assets0.1825%2,022
Net operating income to assets1.5257%778
Return on assets (ROA)1.5412%796
Pretax return on assets2.3779%236
Return on Equity (ROE)12.1776%1,365
Retained earnings to average equity (ytd only)6.5938%1,632
Net charge-offs to loans0.5616%1,170
Credit loss provision to net charge-offs44.5077%3,950
Earnings coverage of net charge-offs (x)6.1872%3,111
Efficiency ratio55.1822%6,031
Assets per employee ($millions)6.5529%965
Cash dividends to net income (ytd only)*45.8525%2,505
Condition Ratios (%)
Loss allowance to loans1.7532%2,227
Loan loss allowance to noncurrent loans126.8183%3,036
Noncurrent assets plus other real estate owned to assets1.2095%2,979
Noncurrent loans to loans1.3824%2,825
Net loans and leases to total assets68.9422%2,185
Net loans and leases to deposits86.0019%1,685
Net loans and leases to core deposits93.8860%1,612
Total domestic deposits to total assets78.3844%5,768
Equity capital to assets12.3347%1,603
Core capital (leverage) ratio10.7379%2,639
Tier 1 risk-based capital ratio11.4977%5,908
Total risk-based capital ratio12.7230%5,862
Memoranda:
Average total assets$121,558,548,40015
Average earning assets$106,004,351,00015
Average equity$15,384,036,20019
Average total loans$88,738,349,40013
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9409%4,344
Cost of funding earning assets0.2243%6,268
Net interest margin3.7166%2,967
Noninterest income to average assets2.5962%282
Noninterest expense to average assets3.1899%2,399
Loan and lease loss provision to assets0.1862%1,956
Net operating income to assets1.5827%772
Return on assets (ROA)1.6031%789
Pretax return on assets2.4908%246
Return on Equity (ROE)12.5821%1,337
Retained earnings to average equity (ytd only)7.4670%1,658
Net charge-offs to loans0.5276%1,221
Credit loss provision to net charge-offs47.8528%3,562
Earnings coverage of net charge-offs (x)6.7976%2,906
Efficiency ratio54.5460%6,053
Assets per employee ($millions)6.0528%1,204
Cash dividends to net income (ytd only)*40.6541%2,256
Condition Ratios (%)
Loss allowance to loans1.8791%2,064
Loan loss allowance to noncurrent loans126.4918%2,889
Noncurrent assets plus other real estate owned to assets1.3258%2,988
Noncurrent loans to loans1.4855%2,938
Net loans and leases to total assets70.7647%1,825
Net loans and leases to deposits89.4574%1,221
Net loans and leases to core deposits98.4267%1,211
Total domestic deposits to total assets77.7764%5,937
Equity capital to assets12.7878%1,432
Core capital (leverage) ratio11.0532%2,429
Tier 1 risk-based capital ratio11.6187%6,002
Total risk-based capital ratio12.8951%5,944
Memoranda:
Average total assets$120,091,103,25015
Average earning assets$104,654,366,75015
Average equity$15,300,554,25019
Average total loans$88,568,052,75013
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9624%4,253
Cost of funding earning assets0.2273%6,324
Net interest margin3.7351%2,820
Noninterest income to average assets2.8142%275
Noninterest expense to average assets3.2746%2,142
Loan and lease loss provision to assets0.1958%1,941
Net operating income to assets1.6611%674
Return on assets (ROA)1.6857%698
Pretax return on assets2.6367%228
Return on Equity (ROE)13.2479%1,181
Retained earnings to average equity (ytd only)10.3351%773
Net charge-offs to loans0.5459%1,208
Credit loss provision to net charge-offs48.2660%3,249
Earnings coverage of net charge-offs (x)6.8878%2,633
Efficiency ratio53.8368%6,159
Assets per employee ($millions)5.8487%1,307
Cash dividends to net income (ytd only)*21.9867%2,921
Condition Ratios (%)
Loss allowance to loans1.9307%2,019
Loan loss allowance to noncurrent loans116.4903%3,082
Noncurrent assets plus other real estate owned to assets1.4772%2,889
Noncurrent loans to loans1.6574%2,828
Net loans and leases to total assets72.5850%1,463
Net loans and leases to deposits90.7602%1,077
Net loans and leases to core deposits100.2701%1,053
Total domestic deposits to total assets78.4510%5,886
Equity capital to assets12.8980%1,384
Core capital (leverage) ratio11.1058%2,256
Tier 1 risk-based capital ratio11.7716%5,939
Total risk-based capital ratio13.0501%5,865
Memoranda:
Average total assets$119,253,154,33015
Average earning assets$103,904,367,67015
Average equity$15,174,594,33019
Average total loans$88,616,556,33013
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9914%4,155
Cost of funding earning assets0.2250%6,442
Net interest margin3.7664%2,584
Noninterest income to average assets2.2813%359
Noninterest expense to average assets3.2132%2,313
Loan and lease loss provision to assets0.1762%2,106
Net operating income to assets1.3761%1,083
Return on assets (ROA)1.4125%1,092
Pretax return on assets2.2406%382
Return on Equity (ROE)11.1776%1,648
Retained earnings to average equity (ytd only)5.2857%3,063
Net charge-offs to loans0.5918%1,031
Credit loss provision to net charge-offs39.9789%2,750
Earnings coverage of net charge-offs (x)5.3554%2,372
Efficiency ratio57.5167%5,901
Assets per employee ($millions)5.7080%1,476
Cash dividends to net income (ytd only)*52.7119%1,491
Condition Ratios (%)
Loss allowance to loans2.0015%2,040
Loan loss allowance to noncurrent loans114.2342%3,004
Noncurrent assets plus other real estate owned to assets1.5726%2,906
Noncurrent loans to loans1.7521%2,930
Net loans and leases to total assets73.0218%1,200
Net loans and leases to deposits90.7254%904
Net loans and leases to core deposits97.4511%1,119
Total domestic deposits to total assets79.4191%5,891
Equity capital to assets12.7443%1,565
Core capital (leverage) ratio10.6613%2,583
Tier 1 risk-based capital ratio11.4718%6,201
Total risk-based capital ratio12.7525%6,156
Memoranda:
Average total assets$118,728,669,00016
Average earning assets$103,765,487,50015
Average equity$15,003,597,50019
Average total loans$88,404,624,00013
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2764%4,294
Cost of funding earning assets0.2974%6,466
Net interest margin3.9791%2,480
Noninterest income to average assets2.4143%331
Noninterest expense to average assets3.4104%2,022
Loan and lease loss provision to assets0.2595%2,572
Net operating income to assets1.4263%1,055
Return on assets (ROA)1.4347%1,159
Pretax return on assets2.2078%404
Return on Equity (ROE)10.6221%1,932
Retained earnings to average equity (ytd only)-1.9725%6,151
Net charge-offs to loans0.8290%1,400
Credit loss provision to net charge-offs42.4220%4,884
Earnings coverage of net charge-offs (x)4.0131%3,514
Efficiency ratio57.9572%5,838
Assets per employee ($millions)5.7242%1,499
Cash dividends to net income (ytd only)*118.5701%330
Condition Ratios (%)
Loss allowance to loans2.0822%1,813
Loan loss allowance to noncurrent loans112.3399%3,047
Noncurrent assets plus other real estate owned to assets1.6481%2,924
Noncurrent loans to loans1.8535%2,855
Net loans and leases to total assets72.8566%1,363
Net loans and leases to deposits92.9873%828
Net loans and leases to core deposits97.1058%1,216
Total domestic deposits to total assets77.3562%6,183
Equity capital to assets12.5301%1,687
Core capital (leverage) ratio10.6964%2,548
Tier 1 risk-based capital ratio11.2401%6,252
Total risk-based capital ratio12.6244%6,149
Memoranda:
Average total assets$115,161,600,20017
Average earning assets$99,865,832,00016
Average equity$15,554,270,40019
Average total loans$84,962,246,80013
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3304%4,331
Cost of funding earning assets0.3080%6,572
Net interest margin4.0224%2,408
Noninterest income to average assets2.2832%349
Noninterest expense to average assets3.2640%2,371
Loan and lease loss provision to assets0.2648%2,460
Net operating income to assets1.4415%1,141
Return on assets (ROA)1.4531%1,247
Pretax return on assets2.2544%439
Return on Equity (ROE)10.5594%2,110
Retained earnings to average equity (ytd only)3.8138%4,202
Net charge-offs to loans0.8838%1,236
Credit loss provision to net charge-offs40.7012%4,600
Earnings coverage of net charge-offs (x)3.8442%3,493
Efficiency ratio56.4085%6,002
Assets per employee ($millions)5.5095%1,627
Cash dividends to net income (ytd only)*63.8823%1,128
Condition Ratios (%)
Loss allowance to loans2.2658%1,590
Loan loss allowance to noncurrent loans108.7548%3,012
Noncurrent assets plus other real estate owned to assets1.8518%2,862
Noncurrent loans to loans2.0834%2,759
Net loans and leases to total assets72.2925%1,503
Net loans and leases to deposits94.4258%756
Net loans and leases to core deposits98.3999%1,234
Total domestic deposits to total assets75.3912%6,469
Equity capital to assets13.7524%1,253
Core capital (leverage) ratio11.5101%1,981
Tier 1 risk-based capital ratio12.2630%5,798
Total risk-based capital ratio13.6536%5,672
Memoranda:
Average total assets$114,189,122,25017
Average earning assets$98,845,668,00016
Average equity$15,713,524,00019
Average total loans$84,057,462,00013
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3462%4,389
Cost of funding earning assets0.3175%6,657
Net interest margin4.0287%2,388
Noninterest income to average assets2.3488%320
Noninterest expense to average assets3.2328%2,487
Loan and lease loss provision to assets0.2822%2,322
Net operating income to assets1.4783%1,032
Return on assets (ROA)1.4897%1,129
Pretax return on assets2.3399%385
Return on Equity (ROE)10.8233%2,055
Retained earnings to average equity (ytd only)10.8233%777
Net charge-offs to loans0.9550%1,158
Credit loss provision to net charge-offs40.2119%4,258
Earnings coverage of net charge-offs (x)3.7107%3,297
Efficiency ratio55.1600%6,210
Assets per employee ($millions)5.4857%1,636
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.3913%1,428
Loan loss allowance to noncurrent loans103.6209%3,110
Noncurrent assets plus other real estate owned to assets1.9882%2,791
Noncurrent loans to loans2.3078%2,595
Net loans and leases to total assets71.6225%1,625
Net loans and leases to deposits92.8330%860
Net loans and leases to core deposits96.8629%1,363
Total domestic deposits to total assets75.9144%6,475
Equity capital to assets14.0709%1,068
Core capital (leverage) ratio11.8314%1,699
Tier 1 risk-based capital ratio12.6957%5,418
Total risk-based capital ratio14.0918%5,277
Memoranda:
Average total assets$114,073,028,00017
Average earning assets$98,769,723,00016
Average equity$15,700,827,00019
Average total loans$83,836,119,00012
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3859%4,385
Cost of funding earning assets0.3268%6,742
Net interest margin4.0590%2,262
Noninterest income to average assets2.5083%301
Noninterest expense to average assets3.2657%2,398
Loan and lease loss provision to assets0.3187%1,967
Net operating income to assets1.5721%912
Return on assets (ROA)1.5874%989
Pretax return on assets2.4628%351
Return on Equity (ROE)11.6643%1,785
Retained earnings to average equity (ytd only)11.6643%887
Net charge-offs to loans1.0483%993
Credit loss provision to net charge-offs41.3383%3,433
Earnings coverage of net charge-offs (x)3.5764%2,800
Efficiency ratio53.9894%6,350
Assets per employee ($millions)5.3669%1,819
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.5382%1,299
Loan loss allowance to noncurrent loans104.8327%2,944
Noncurrent assets plus other real estate owned to assets2.1131%2,765
Noncurrent loans to loans2.4212%2,686
Net loans and leases to total assets71.5716%1,473
Net loans and leases to deposits90.4694%924
Net loans and leases to core deposits94.4559%1,423
Total domestic deposits to total assets77.8420%6,284
Equity capital to assets13.8134%1,084
Core capital (leverage) ratio11.6061%1,830
Tier 1 risk-based capital ratio12.3991%5,688
Total risk-based capital ratio13.7998%5,531
Memoranda:
Average total assets$113,816,665,00017
Average earning assets$98,563,881,00016
Average equity$15,489,634,00019
Average total loans$83,714,275,00011
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5095%5,036
Cost of funding earning assets0.4803%6,613
Net interest margin4.0293%2,735
Noninterest income to average assets2.0855%353
Noninterest expense to average assets3.3171%2,468
Loan and lease loss provision to assets0.3803%2,720
Net operating income to assets1.1911%1,529
Return on assets (ROA)1.2239%1,554
Pretax return on assets1.9018%659
Return on Equity (ROE)8.6298%2,620
Retained earnings to average equity (ytd only)-4.4495%6,403
Net charge-offs to loans1.4571%1,112
Credit loss provision to net charge-offs35.8048%5,699
Earnings coverage of net charge-offs (x)2.1003%4,201
Efficiency ratio59.4289%5,839
Assets per employee ($millions)5.3353%1,798
Cash dividends to net income (ytd only)*151.5598%148
Condition Ratios (%)
Loss allowance to loans2.6833%1,091
Loan loss allowance to noncurrent loans105.5910%2,910
Noncurrent assets plus other real estate owned to assets2.2489%2,679
Noncurrent loans to loans2.5412%2,587
Net loans and leases to total assets71.6915%1,697
Net loans and leases to deposits90.9828%1,055
Net loans and leases to core deposits97.1891%1,396
Total domestic deposits to total assets75.7108%6,522
Equity capital to assets13.4052%1,317
Core capital (leverage) ratio11.2999%2,037
Tier 1 risk-based capital ratio12.0331%5,815
Total risk-based capital ratio13.5533%5,587
Memoranda:
Average total assets$110,354,381,40017
Average earning assets$94,828,175,80017
Average equity$15,650,749,60019
Average total loans$80,438,375,20012
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5749%4,982
Cost of funding earning assets0.5219%6,615
Net interest margin4.0530%2,682
Noninterest income to average assets2.1397%347
Noninterest expense to average assets3.2830%2,547
Loan and lease loss provision to assets0.4451%2,246
Net operating income to assets1.2050%1,639
Return on assets (ROA)1.2487%1,622
Pretax return on assets1.9577%681
Return on Equity (ROE)8.6808%2,752
Retained earnings to average equity (ytd only)-5.6521%6,629
Net charge-offs to loans1.5623%910
Credit loss provision to net charge-offs39.1895%5,269
Earnings coverage of net charge-offs (x)2.0557%4,118
Efficiency ratio58.0583%6,002
Assets per employee ($millions)5.3125%1,799
Cash dividends to net income (ytd only)*165.1108%92
Condition Ratios (%)
Loss allowance to loans3.0081%858
Loan loss allowance to noncurrent loans104.3828%2,849
Noncurrent assets plus other real estate owned to assets2.4718%2,602
Noncurrent loans to loans2.8818%2,425
Net loans and leases to total assets69.8106%2,110
Net loans and leases to deposits91.9153%1,019
Net loans and leases to core deposits98.2079%1,409
Total domestic deposits to total assets72.9159%6,864
Equity capital to assets13.6452%1,309
Core capital (leverage) ratio11.4380%2,070
Tier 1 risk-based capital ratio12.2512%5,702
Total risk-based capital ratio14.0354%5,248
Memoranda:
Average total assets$109,487,133,75018
Average earning assets$93,949,487,50017
Average equity$15,748,862,00018
Average total loans$79,585,059,50012
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6175%4,896
Cost of funding earning assets0.5471%6,678
Net interest margin4.0704%2,532
Noninterest income to average assets2.1360%334
Noninterest expense to average assets3.2608%2,699
Loan and lease loss provision to assets0.5150%1,901
Net operating income to assets1.1689%1,666
Return on assets (ROA)1.1890%1,703
Pretax return on assets1.8856%732
Return on Equity (ROE)8.1216%2,893
Retained earnings to average equity (ytd only)0.4528%5,667
Net charge-offs to loans1.6961%849
Credit loss provision to net charge-offs41.6328%4,789
Earnings coverage of net charge-offs (x)1.9152%3,905
Efficiency ratio57.4931%6,231
Assets per employee ($millions)5.1596%1,922
Cash dividends to net income (ytd only)*94.4248%551
Condition Ratios (%)
Loss allowance to loans3.3022%702
Loan loss allowance to noncurrent loans109.1060%2,644
Noncurrent assets plus other real estate owned to assets2.6696%2,503
Noncurrent loans to loans3.0266%2,394
Net loans and leases to total assets70.7197%2,065
Net loans and leases to deposits92.3007%1,018
Net loans and leases to core deposits101.7018%1,193
Total domestic deposits to total assets71.7008%7,027
Equity capital to assets14.7031%890
Core capital (leverage) ratio12.3346%1,435
Tier 1 risk-based capital ratio13.2644%4,717
Total risk-based capital ratio15.0615%4,273
Memoranda:
Average total assets$108,491,013,67019
Average earning assets$93,131,727,00019
Average equity$15,882,631,00019
Average total loans$79,128,416,33013
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6525%4,737
Cost of funding earning assets0.5634%6,748
Net interest margin4.0890%2,309
Noninterest income to average assets1.9873%357
Noninterest expense to average assets3.2875%2,604
Loan and lease loss provision to assets0.6105%1,406
Net operating income to assets1.0361%2,046
Return on assets (ROA)1.0643%2,013
Pretax return on assets1.6394%1,105
Return on Equity (ROE)7.2858%3,251
Retained earnings to average equity (ytd only)7.2858%2,028
Net charge-offs to loans1.8570%694
Credit loss provision to net charge-offs45.1353%3,850
Earnings coverage of net charge-offs (x)1.6313%3,497
Efficiency ratio59.3569%6,073
Assets per employee ($millions)5.2019%1,893
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.5597%579
Loan loss allowance to noncurrent loans115.4982%2,510
Noncurrent assets plus other real estate owned to assets2.7117%2,541
Noncurrent loans to loans3.0821%2,436
Net loans and leases to total assets70.0080%2,128
Net loans and leases to deposits89.9157%1,241
Net loans and leases to core deposits99.7100%1,363
Total domestic deposits to total assets72.8294%7,011
Equity capital to assets14.7642%820
Core capital (leverage) ratio12.4446%1,350
Tier 1 risk-based capital ratio13.5434%4,399
Total risk-based capital ratio15.3426%3,985
Memoranda:
Average total assets$108,681,958,00019
Average earning assets$93,205,539,50019
Average equity$15,876,258,00018
Average total loans$79,159,914,00013
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8074%5,382
Cost of funding earning assets0.7567%6,715
Net interest margin4.0506%2,804
Noninterest income to average assets2.3312%310
Noninterest expense to average assets3.3815%2,487
Loan and lease loss provision to assets1.3913%1,081
Net operating income to assets0.6909%3,265
Return on assets (ROA)0.7245%3,256
Pretax return on assets1.0861%2,635
Return on Equity (ROE)4.8826%4,119
Retained earnings to average equity (ytd only)-3.6517%6,173
Net charge-offs to loans2.9517%566
Credit loss provision to net charge-offs66.0500%5,954
Earnings coverage of net charge-offs (x)1.1523%4,959
Efficiency ratio57.5383%6,389
Assets per employee ($millions)5.2295%1,823
Cash dividends to net income (ytd only)*174.7911%134
Condition Ratios (%)
Loss allowance to loans3.7702%483
Loan loss allowance to noncurrent loans118.8359%2,458
Noncurrent assets plus other real estate owned to assets2.7825%2,512
Noncurrent loans to loans3.1726%2,396
Net loans and leases to total assets70.3240%2,457
Net loans and leases to deposits90.1489%1,505
Net loans and leases to core deposits100.6234%1,566
Total domestic deposits to total assets71.7434%7,106
Equity capital to assets14.4526%914
Core capital (leverage) ratio12.0394%1,518
Tier 1 risk-based capital ratio13.0668%4,552
Total risk-based capital ratio14.9823%4,014
Memoranda:
Average total assets$110,546,424,00019
Average earning assets$94,904,632,60019
Average equity$16,404,378,20017
Average total loans$78,888,606,60013
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8261%5,558
Cost of funding earning assets0.7993%6,766
Net interest margin4.0268%2,970
Noninterest income to average assets2.3699%299
Noninterest expense to average assets3.3497%2,432
Loan and lease loss provision to assets1.6455%781
Net operating income to assets0.5718%3,998
Return on assets (ROA)0.5917%4,075
Pretax return on assets0.8631%3,691
Return on Equity (ROE)3.9619%4,803
Retained earnings to average equity (ytd only)3.9619%3,694
Net charge-offs to loans3.3404%423
Credit loss provision to net charge-offs69.4373%5,435
Earnings coverage of net charge-offs (x)1.0464%5,013
Efficiency ratio56.7718%6,447
Assets per employee ($millions)5.3320%1,790
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans4.0554%354
Loan loss allowance to noncurrent loans112.8179%2,492
Noncurrent assets plus other real estate owned to assets3.0240%2,402
Noncurrent loans to loans3.5946%2,180
Net loans and leases to total assets68.4948%3,101
Net loans and leases to deposits90.2651%1,692
Net loans and leases to core deposits100.8091%1,767
Total domestic deposits to total assets70.4812%7,249
Equity capital to assets15.3790%800
Core capital (leverage) ratio13.0551%1,207
Tier 1 risk-based capital ratio14.4154%3,562
Total risk-based capital ratio16.3588%3,182
Memoranda:
Average total assets$110,940,114,50019
Average earning assets$95,311,028,25019
Average equity$16,568,166,50017
Average total loans$78,701,840,25013
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8305%5,681
Cost of funding earning assets0.8301%6,818
Net interest margin4.0003%3,014
Noninterest income to average assets2.0981%331
Noninterest expense to average assets3.3035%2,550
Loan and lease loss provision to assets1.6435%787
Net operating income to assets0.4151%4,686
Return on assets (ROA)0.4448%4,721
Pretax return on assets0.6330%4,464
Return on Equity (ROE)3.0081%5,228
Retained earnings to average equity (ytd only)3.0081%4,210
Net charge-offs to loans2.5807%653
Credit loss provision to net charge-offs89.9618%4,427
Earnings coverage of net charge-offs (x)1.2228%4,586
Efficiency ratio58.8982%6,245
Assets per employee ($millions)5.3726%1,730
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans4.7114%216
Loan loss allowance to noncurrent loans113.1186%2,468
Noncurrent assets plus other real estate owned to assets3.3778%2,081
Noncurrent loans to loans4.1650%1,790
Net loans and leases to total assets67.8462%3,404
Net loans and leases to deposits88.5437%2,086
Net loans and leases to core deposits98.6680%2,156
Total domestic deposits to total assets71.6577%7,213
Equity capital to assets15.1745%842
Core capital (leverage) ratio12.7036%1,325
Tier 1 risk-based capital ratio14.1716%3,616
Total risk-based capital ratio16.1147%3,204
Memoranda:
Average total assets$111,187,811,00019
Average earning assets$95,599,207,33019
Average equity$16,441,811,00016
Average total loans$78,712,589,00013
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8608%5,640
Cost of funding earning assets0.8483%6,945
Net interest margin4.0125%2,825
Noninterest income to average assets2.1034%320
Noninterest expense to average assets3.3223%2,460
Loan and lease loss provision to assets2.1111%523
Net operating income to assets0.1267%5,939
Return on assets (ROA)0.1703%5,911
Pretax return on assets0.1625%5,989
Return on Equity (ROE)1.1667%6,075
Retained earnings to average equity (ytd only)1.1667%5,351
Net charge-offs to loans2.9538%522
Credit loss provision to net charge-offs101.2464%3,355
Earnings coverage of net charge-offs (x)1.0695%4,123
Efficiency ratio59.0544%6,332
Assets per employee ($millions)5.5295%1,637
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans4.8110%199
Loan loss allowance to noncurrent loans105.8731%2,619
Noncurrent assets plus other real estate owned to assets3.5997%1,948
Noncurrent loans to loans4.5441%1,637
Net loans and leases to total assets67.8620%3,422
Net loans and leases to deposits87.8516%2,246
Net loans and leases to core deposits97.4159%2,402
Total domestic deposits to total assets73.0350%7,155
Equity capital to assets14.7370%943
Core capital (leverage) ratio12.3675%1,462
Tier 1 risk-based capital ratio13.8254%3,781
Total risk-based capital ratio15.7566%3,343
Memoranda:
Average total assets$111,768,576,00019
Average earning assets$96,066,424,50018
Average equity$16,314,754,00016
Average total loans$78,899,138,50014
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6576%7,200
Cost of funding earning assets1.0683%7,060
Net interest margin3.5893%4,588
Noninterest income to average assets3.7726%179
Noninterest expense to average assets3.0758%3,851
Loan and lease loss provision to assets2.9270%606
Net operating income to assets0.6609%3,095
Return on assets (ROA)0.6980%3,012
Pretax return on assets0.8876%2,961
Return on Equity (ROE)5.6397%3,360
Retained earnings to average equity (ytd only)5.6397%1,508
Net charge-offs to loans3.1029%663
Credit loss provision to net charge-offs137.2378%3,589
Earnings coverage of net charge-offs (x)1.7665%4,400
Efficiency ratio44.2524%7,769
Assets per employee ($millions)5.3689%1,770
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans4.7556%203
Loan loss allowance to noncurrent loans96.6099%2,894
Noncurrent assets plus other real estate owned to assets3.7069%1,797
Noncurrent loans to loans4.9224%1,385
Net loans and leases to total assets66.5790%4,019
Net loans and leases to deposits86.3016%2,857
Net loans and leases to core deposits99.8017%4,023
Total domestic deposits to total assets72.7784%7,175
Equity capital to assets14.4592%1,035
Core capital (leverage) ratio12.6519%1,373
Tier 1 risk-based capital ratio13.2877%3,955
Total risk-based capital ratio15.2774%3,436
Memoranda:
Average total assets$121,012,387,00018
Average earning assets$103,531,359,00016
Average equity$14,977,378,80016
Average total loans$83,178,414,80014
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6226%7,383
Cost of funding earning assets1.1266%7,107
Net interest margin3.4960%4,876
Noninterest income to average assets4.2758%154
Noninterest expense to average assets3.0116%4,000
Loan and lease loss provision to assets2.9961%495
Net operating income to assets0.9607%2,194
Return on assets (ROA)1.0079%2,093
Pretax return on assets1.3217%1,903
Return on Equity (ROE)8.4697%2,462
Retained earnings to average equity (ytd only)8.4697%988
Net charge-offs to loans2.9633%573
Credit loss provision to net charge-offs147.6693%3,276
Earnings coverage of net charge-offs (x)2.0975%4,249
Efficiency ratio40.7799%7,910
Assets per employee ($millions)5.3114%1,774
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans4.5741%200
Loan loss allowance to noncurrent loans85.0557%3,212
Noncurrent assets plus other real estate owned to assets4.2128%1,488
Noncurrent loans to loans5.3778%1,181
Net loans and leases to total assets70.2940%3,441
Net loans and leases to deposits93.4410%1,979
Net loans and leases to core deposits110.0121%3,235
Total domestic deposits to total assets70.6797%7,358
Equity capital to assets15.0350%995
Core capital (leverage) ratio12.7082%1,495
Tier 1 risk-based capital ratio13.2253%4,034
Total risk-based capital ratio15.1930%3,532
Memoranda:
Average total assets$123,081,457,50019
Average earning assets$105,314,864,50017
Average equity$14,646,524,75017
Average total loans$84,271,468,25014
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6625%7,441
Cost of funding earning assets1.0899%7,396
Net interest margin3.5725%4,485
Noninterest income to average assets9.1162%78
Noninterest expense to average assets4.0669%1,231
Loan and lease loss provision to assets2.0634%777
Net operating income to assets4.0516%36
Return on assets (ROA)4.1591%34
Pretax return on assets6.1509%31
Return on Equity (ROE)47.6472%18
Retained earnings to average equity (ytd only)47.6472%10
Net charge-offs to loans1.9060%981
Credit loss provision to net charge-offs167.1456%2,747
Earnings coverage of net charge-offs (x)6.5260%2,599
Efficiency ratio33.2280%8,089
Assets per employee ($millions)4.9111%2,181
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans3.4651%388
Loan loss allowance to noncurrent loans123.1834%2,401
Noncurrent assets plus other real estate owned to assets2.1042%3,055
Noncurrent loans to loans2.8130%2,558
Net loans and leases to total assets65.9781%4,567
Net loans and leases to deposits99.4661%1,338
Net loans and leases to core deposits143.1495%881
Total domestic deposits to total assets49.4548%8,063
Equity capital to assets10.4646%3,448
Core capital (leverage) ratio9.8090%3,510
Tier 1 risk-based capital ratio11.3147%5,575
Total risk-based capital ratio14.0045%4,234
Memoranda:
Average total assets$67,506,342,33026
Average earning assets$56,819,900,33031
Average equity$5,892,521,00034
Average total loans$43,722,582,33027
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5094%7,711
Cost of funding earning assets1.1662%7,377
Net interest margin3.3432%5,352
Noninterest income to average assets3.6894%172
Noninterest expense to average assets3.8223%1,429
Loan and lease loss provision to assets1.7704%696
Net operating income to assets1.3532%1,252
Return on assets (ROA)1.3975%1,234
Pretax return on assets0.9543%3,519
Return on Equity (ROE)17.6543%619
Retained earnings to average equity (ytd only)17.6543%240
Net charge-offs to loans1.6060%902
Credit loss provision to net charge-offs174.7181%2,468
Earnings coverage of net charge-offs (x)2.6453%3,436
Efficiency ratio58.2189%6,667
Assets per employee ($millions)5.2519%1,795
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans3.1650%418
Loan loss allowance to noncurrent loans112.1335%2,763
Noncurrent assets plus other real estate owned to assets2.0038%2,898
Noncurrent loans to loans2.8225%2,320
Net loans and leases to total assets61.6941%5,388
Net loans and leases to deposits97.7970%1,696
Net loans and leases to core deposits142.6807%979
Total domestic deposits to total assets46.6495%8,121
Equity capital to assets8.1644%6,581
Core capital (leverage) ratio7.3828%7,292
Tier 1 risk-based capital ratio8.6640%7,914
Total risk-based capital ratio11.3681%6,706
Memoranda:
Average total assets$68,958,955,50027
Average earning assets$58,029,409,50031
Average equity$5,458,654,00036
Average total loans$43,507,595,00028
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0788%7,784
Cost of funding earning assets2.0974%6,063
Net interest margin2.9814%6,964
Noninterest income to average assets3.9489%153
Noninterest expense to average assets3.8358%1,685
Loan and lease loss provision to assets2.3580%466
Net operating income to assets-0.0962%6,488
Return on assets (ROA)-0.0473%6,290
Pretax return on assets0.3178%5,469
Return on Equity (ROE)-0.5762%6,304
Retained earnings to average equity (ytd only)-2.1446%5,913
Net charge-offs to loans1.7094%645
Credit loss provision to net charge-offs220.9170%2,167
Earnings coverage of net charge-offs (x)2.4353%4,859
Efficiency ratio56.1879%6,980
Assets per employee ($millions)5.2689%1,670
Cash dividends to net income (ytd only)*-272.1829%8,230
Condition Ratios (%)
Loss allowance to loans2.8802%479
Loan loss allowance to noncurrent loans100.9184%3,422
Noncurrent assets plus other real estate owned to assets1.9693%2,499
Noncurrent loans to loans2.8540%1,896
Net loans and leases to total assets60.6828%5,810
Net loans and leases to deposits96.9876%2,291
Net loans and leases to core deposits144.8463%1,061
Total domestic deposits to total assets46.3150%8,149
Equity capital to assets7.6708%7,239
Core capital (leverage) ratio6.9520%7,728
Tier 1 risk-based capital ratio7.9747%8,088
Total risk-based capital ratio10.6321%7,359
Memoranda:
Average total assets$66,013,021,60028
Average earning assets$55,050,639,20031
Average equity$5,419,512,20032
Average total loans$41,220,785,60028