Home > First Citizens Bank of Butte > Performance and Condition Ratios

First Citizens Bank of Butte, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8294%2,417
Cost of funding earning assets0.4994%4,195
Net interest margin4.3300%773
Noninterest income to average assets0.2100%3,699
Noninterest expense to average assets3.0947%966
Loan and lease loss provision to assets-0.0200%4,327
Net operating income to assets1.2917%1,449
Return on assets (ROA)0.6965%3,179
Pretax return on assets0.6965%3,446
Return on Equity (ROE)7.7900%3,082
Retained earnings to average equity (ytd only)1.0222%3,833
Net charge-offs to loans0.0000%2,917
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio70.8310%1,782
Assets per employee ($millions)5.0422%3,604
Cash dividends to net income (ytd only)*86.8794%435
Condition Ratios (%)
Loss allowance to loans1.9703%398
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets41.6300%3,977
Net loans and leases to deposits53.8863%3,803
Net loans and leases to core deposits54.2782%3,968
Total domestic deposits to total assets77.2500%3,821
Equity capital to assets9.6325%2,254
Core capital (leverage) ratio11.1230%1,882
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$80,976,0004,008
Average earning assets$77,691,4003,952
Average equity$7,239,0004,019
Average total loans$32,161,6004,109
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7403%2,393
Cost of funding earning assets0.4079%4,247
Net interest margin4.3324%770
Noninterest income to average assets0.1700%3,949
Noninterest expense to average assets3.0219%1,045
Loan and lease loss provision to assets-0.0200%4,368
Net operating income to assets1.3308%1,469
Return on assets (ROA)1.3308%1,453
Pretax return on assets1.3308%1,945
Return on Equity (ROE)15.1800%1,417
Retained earnings to average equity (ytd only)10.6762%1,223
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio69.7948%1,810
Assets per employee ($millions)6.5377%2,302
Cash dividends to net income (ytd only)*29.6663%2,081
Condition Ratios (%)
Loss allowance to loans1.9845%399
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets42.4900%3,975
Net loans and leases to deposits53.1596%3,830
Net loans and leases to core deposits53.8109%3,941
Total domestic deposits to total assets79.9400%3,536
Equity capital to assets9.2069%2,287
Core capital (leverage) ratio11.6799%1,587
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$81,051,2504,023
Average earning assets$77,798,7503,969
Average equity$7,106,0004,038
Average total loans$31,637,5004,137
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5897%2,431
Cost of funding earning assets0.3658%4,218
Net interest margin4.2240%902
Noninterest income to average assets0.1700%3,948
Noninterest expense to average assets2.8101%1,400
Loan and lease loss provision to assets-0.0300%4,442
Net operating income to assets1.4502%1,215
Return on assets (ROA)1.4502%1,200
Pretax return on assets1.4502%1,695
Return on Equity (ROE)16.8100%1,134
Retained earnings to average equity (ytd only)10.0184%1,397
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio66.4934%2,176
Assets per employee ($millions)8.5452%1,073
Cash dividends to net income (ytd only)*40.4040%1,676
Condition Ratios (%)
Loss allowance to loans2.1643%326
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets39.6800%4,048
Net loans and leases to deposits50.6499%3,891
Net loans and leases to core deposits51.2944%3,976
Total domestic deposits to total assets78.3300%3,810
Equity capital to assets9.3412%2,277
Core capital (leverage) ratio11.2817%1,749
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$81,917,6674,028
Average earning assets$78,741,0003,979
Average equity$7,067,0004,069
Average total loans$30,845,6674,159
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4858%2,350
Cost of funding earning assets0.3151%4,153
Net interest margin4.1707%994
Noninterest income to average assets0.1700%3,961
Noninterest expense to average assets2.5349%2,148
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.6488%910
Return on assets (ROA)1.6488%912
Pretax return on assets1.6488%1,372
Return on Equity (ROE)19.8600%788
Retained earnings to average equity (ytd only)19.8616%389
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio60.5889%2,883
Assets per employee ($millions)5.8845%2,862
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans2.3800%252
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets35.8000%4,199
Net loans and leases to deposits45.0437%4,067
Net loans and leases to core deposits45.5692%4,124
Total domestic deposits to total assets79.4700%3,842
Equity capital to assets8.8780%2,607
Core capital (leverage) ratio10.3946%2,318
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$84,423,0004,059
Average earning assets$81,234,0004,004
Average equity$7,008,5004,124
Average total loans$30,674,5004,215
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2573%3,694
Cost of funding earning assets0.1721%3,985
Net interest margin3.0852%3,212
Noninterest income to average assets0.3400%3,074
Noninterest expense to average assets2.5313%2,021
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.7559%3,469
Return on assets (ROA)0.3831%4,226
Pretax return on assets0.3831%4,294
Return on Equity (ROE)4.9000%4,035
Retained earnings to average equity (ytd only)4.8999%3,090
Net charge-offs to loans0.0148%1,833
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)131.4000%847
Efficiency ratio77.0039%923
Assets per employee ($millions)6.6510%2,215
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans2.3090%261
Loan loss allowance to noncurrent loans441.1043%1,746
Noncurrent assets plus other real estate owned to assets0.1885%2,236
Noncurrent loans to loans0.5235%1,399
Net loans and leases to total assets35.1800%4,250
Net loans and leases to deposits43.1753%4,143
Net loans and leases to core deposits43.5206%4,195
Total domestic deposits to total assets81.4900%3,694
Equity capital to assets7.7524%3,217
Core capital (leverage) ratio10.0109%2,629
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$86,912,6004,050
Average earning assets$83,074,4004,005
Average equity$6,796,0004,241
Average total loans$33,836,8004,172
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0134%3,868
Cost of funding earning assets0.1654%3,675
Net interest margin2.8480%3,630
Noninterest income to average assets0.3300%3,174
Noninterest expense to average assets2.5034%2,008
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.5393%3,991
Return on assets (ROA)0.5393%3,931
Pretax return on assets0.5393%4,090
Return on Equity (ROE)6.8800%3,612
Retained earnings to average equity (ytd only)6.8823%2,411
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio82.2759%641
Assets per employee ($millions)6.1258%2,648
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans2.1904%353
Loan loss allowance to noncurrent loans91.7617%3,437
Noncurrent assets plus other real estate owned to assets0.9200%503
Noncurrent loans to loans2.3871%227
Net loans and leases to total assets37.7000%4,159
Net loans and leases to deposits46.1711%4,020
Net loans and leases to core deposits46.5413%4,078
Total domestic deposits to total assets81.6500%3,886
Equity capital to assets7.0848%3,467
Core capital (leverage) ratio10.1925%2,368
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$87,025,0004,076
Average earning assets$83,004,5004,034
Average equity$6,819,2504,282
Average total loans$34,511,2504,186
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9569%3,659
Cost of funding earning assets0.1612%3,429
Net interest margin2.7957%3,459
Noninterest income to average assets0.3659%2,951
Noninterest expense to average assets2.5067%1,907
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.5169%3,853
Return on assets (ROA)0.5169%3,807
Pretax return on assets0.5169%3,965
Return on Equity (ROE)6.3959%3,474
Retained earnings to average equity (ytd only)6.3959%2,208
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.9047%746
Assets per employee ($millions)5.1300%3,563
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans2.0826%464
Loan loss allowance to noncurrent loans532.3529%1,485
Noncurrent assets plus other real estate owned to assets0.1657%2,544
Noncurrent loans to loans0.3912%1,962
Net loans and leases to total assets41.4717%4,006
Net loans and leases to deposits51.6454%3,715
Net loans and leases to core deposits51.8468%3,827
Total domestic deposits to total assets80.3009%4,201
Equity capital to assets8.1579%3,003
Core capital (leverage) ratio10.0015%2,392
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$87,446,3334,109
Average earning assets$83,129,0004,086
Average equity$7,067,0004,312
Average total loans$34,997,3334,234
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7346%3,876
Cost of funding earning assets0.1595%3,383
Net interest margin2.5751%3,721
Noninterest income to average assets0.2574%3,595
Noninterest expense to average assets2.5608%1,721
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.1331%4,427
Return on assets (ROA)0.1331%4,398
Pretax return on assets0.1331%4,409
Return on Equity (ROE)1.6546%4,319
Retained earnings to average equity (ytd only)1.6546%3,641
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.0577%362
Assets per employee ($millions)5.6544%3,169
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans2.0689%553
Loan loss allowance to noncurrent loans229.1139%2,437
Noncurrent assets plus other real estate owned to assets0.3726%1,620
Noncurrent loans to loans0.9030%1,021
Net loans and leases to total assets40.4051%3,985
Net loans and leases to deposits49.7193%3,752
Net loans and leases to core deposits50.1001%3,868
Total domestic deposits to total assets81.2665%4,174
Equity capital to assets7.8311%3,703
Core capital (leverage) ratio9.1085%3,236
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$90,129,5004,104
Average earning assets$85,277,5004,068
Average equity$7,252,5004,335
Average total loans$35,114,0004,246
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1155%3,654
Cost of funding earning assets0.2022%3,438
Net interest margin2.9132%3,415
Noninterest income to average assets0.2894%3,660
Noninterest expense to average assets2.4066%2,475
Loan and lease loss provision to assets0.0111%2,858
Net operating income to assets0.6779%3,676
Return on assets (ROA)0.6779%3,727
Pretax return on assets0.6779%3,973
Return on Equity (ROE)7.6450%3,334
Retained earnings to average equity (ytd only)2.6237%3,791
Net charge-offs to loans0.2292%404
Credit loss provision to net charge-offs10.9890%2,306
Earnings coverage of net charge-offs (x)6.8022%2,380
Efficiency ratio77.7418%970
Assets per employee ($millions)5.3024%3,474
Cash dividends to net income (ytd only)*65.6814%879
Condition Ratios (%)
Loss allowance to loans2.0548%565
Loan loss allowance to noncurrent loans214.8368%2,485
Noncurrent assets plus other real estate owned to assets0.3531%1,811
Noncurrent loans to loans0.9565%1,051
Net loans and leases to total assets36.1577%4,281
Net loans and leases to deposits44.2964%4,160
Net loans and leases to core deposits44.8269%4,234
Total domestic deposits to total assets81.6267%4,022
Equity capital to assets8.2384%4,210
Core capital (leverage) ratio8.3705%4,047
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$89,836,0004,098
Average earning assets$86,536,2004,055
Average equity$7,966,0004,330
Average total loans$39,709,8004,196
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2269%3,552
Cost of funding earning assets0.2135%3,481
Net interest margin3.0135%3,268
Noninterest income to average assets0.2548%3,868
Noninterest expense to average assets2.4650%2,223
Loan and lease loss provision to assets0.0758%1,534
Net operating income to assets0.6091%3,992
Return on assets (ROA)0.6091%4,043
Pretax return on assets0.6091%4,221
Return on Equity (ROE)6.7401%3,735
Retained earnings to average equity (ytd only)0.0667%4,553
Net charge-offs to loans0.2972%271
Credit loss provision to net charge-offs54.9451%1,830
Earnings coverage of net charge-offs (x)4.9890%2,242
Efficiency ratio78.2671%856
Assets per employee ($millions)6.0799%2,612
Cash dividends to net income (ytd only)*99.0099%202
Condition Ratios (%)
Loss allowance to loans2.1277%514
Loan loss allowance to noncurrent loans198.4416%2,547
Noncurrent assets plus other real estate owned to assets0.4945%1,544
Noncurrent loans to loans1.0722%1,056
Net loans and leases to total assets36.1270%4,382
Net loans and leases to deposits44.0236%4,309
Net loans and leases to core deposits44.5368%4,360
Total domestic deposits to total assets82.0629%3,920
Equity capital to assets8.0840%4,473
Core capital (leverage) ratio8.4958%4,037
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$88,434,2504,163
Average earning assets$84,949,5004,121
Average equity$7,991,7504,390
Average total loans$40,828,7504,227
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2953%3,438
Cost of funding earning assets0.2237%3,524
Net interest margin3.0716%3,113
Noninterest income to average assets0.2574%3,852
Noninterest expense to average assets2.5244%2,065
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.6878%3,789
Return on assets (ROA)0.6878%3,853
Pretax return on assets0.6878%4,090
Return on Equity (ROE)7.3186%3,572
Retained earnings to average equity (ytd only)2.3400%4,040
Net charge-offs to loans0.4333%194
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)3.1957%2,086
Efficiency ratio78.5870%880
Assets per employee ($millions)5.5374%3,083
Cash dividends to net income (ytd only)*68.0272%728
Condition Ratios (%)
Loss allowance to loans1.7334%997
Loan loss allowance to noncurrent loans189.6277%2,540
Noncurrent assets plus other real estate owned to assets0.5327%1,563
Noncurrent loans to loans0.9141%1,355
Net loans and leases to total assets45.6202%3,930
Net loans and leases to deposits56.7436%3,663
Net loans and leases to core deposits57.4844%3,799
Total domestic deposits to total assets80.3971%4,166
Equity capital to assets9.0182%3,779
Core capital (leverage) ratio8.8926%3,588
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$85,486,0004,222
Average earning assets$82,237,6674,178
Average equity$8,034,3334,409
Average total loans$42,469,0004,225
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3298%3,385
Cost of funding earning assets0.2375%3,583
Net interest margin3.0923%3,013
Noninterest income to average assets0.2812%3,715
Noninterest expense to average assets2.5688%1,962
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.6911%3,728
Return on assets (ROA)0.6911%3,795
Pretax return on assets0.6911%4,037
Return on Equity (ROE)7.1992%3,552
Retained earnings to average equity (ytd only)7.1992%2,508
Net charge-offs to loans0.8531%94
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)1.5761%1,843
Efficiency ratio78.8012%910
Assets per employee ($millions)4.9604%3,705
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.6279%1,221
Loan loss allowance to noncurrent loans217.3780%2,228
Noncurrent assets plus other real estate owned to assets0.5028%1,878
Noncurrent loans to loans0.7489%1,739
Net loans and leases to total assets51.0951%3,531
Net loans and leases to deposits63.3567%3,184
Net loans and leases to core deposits64.2217%3,392
Total domestic deposits to total assets80.6468%4,112
Equity capital to assets9.5912%3,119
Core capital (leverage) ratio9.3567%3,186
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$83,929,5004,256
Average earning assets$80,846,0004,204
Average equity$8,056,5004,425
Average total loans$43,137,5004,232
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8371%3,197
Cost of funding earning assets0.3370%3,940
Net interest margin3.5002%2,478
Noninterest income to average assets0.3111%3,621
Noninterest expense to average assets2.7432%2,109
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets0.8933%2,726
Return on assets (ROA)0.8933%2,863
Pretax return on assets0.8933%3,382
Return on Equity (ROE)8.6994%2,519
Retained earnings to average equity (ytd only)3.6708%2,997
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4349%1,296
Assets per employee ($millions)4.6407%3,774
Cash dividends to net income (ytd only)*57.8035%1,461
Condition Ratios (%)
Loss allowance to loans1.8952%736
Loan loss allowance to noncurrent loans278.5467%1,816
Noncurrent assets plus other real estate owned to assets0.4621%2,176
Noncurrent loans to loans0.6804%1,983
Net loans and leases to total assets49.8851%3,837
Net loans and leases to deposits62.6033%3,563
Net loans and leases to core deposits62.8488%3,780
Total domestic deposits to total assets79.6844%4,107
Equity capital to assets9.6059%3,507
Core capital (leverage) ratio9.1901%3,448
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$77,463,8004,276
Average earning assets$73,596,8004,242
Average equity$7,954,6004,427
Average total loans$43,582,8004,242
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9835%3,021
Cost of funding earning assets0.3542%4,035
Net interest margin3.6293%2,164
Noninterest income to average assets0.2826%3,793
Noninterest expense to average assets2.7211%2,200
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets0.9972%2,348
Return on assets (ROA)0.9972%2,478
Pretax return on assets0.9972%3,077
Return on Equity (ROE)9.5413%2,189
Retained earnings to average equity (ytd only)6.1817%2,024
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1822%1,497
Assets per employee ($millions)4.6608%3,645
Cash dividends to net income (ytd only)*35.2113%2,124
Condition Ratios (%)
Loss allowance to loans1.7602%790
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1442%3,698
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets53.5545%3,840
Net loans and leases to deposits66.8875%3,553
Net loans and leases to core deposits67.1454%3,815
Total domestic deposits to total assets80.0665%3,852
Equity capital to assets9.7051%3,511
Core capital (leverage) ratio9.8054%2,924
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$75,946,7504,303
Average earning assets$71,895,5004,281
Average equity$7,937,2504,453
Average total loans$43,859,7504,258
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7685%1,242
Cost of funding earning assets0.3779%4,134
Net interest margin4.3906%635
Noninterest income to average assets0.2644%3,887
Noninterest expense to average assets2.8515%1,969
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.5621%823
Return on assets (ROA)1.5621%892
Pretax return on assets1.5621%1,315
Return on Equity (ROE)14.4411%801
Retained earnings to average equity (ytd only)9.4006%910
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6078%2,728
Assets per employee ($millions)4.3569%3,948
Cash dividends to net income (ytd only)*34.9040%2,144
Condition Ratios (%)
Loss allowance to loans1.7123%793
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1543%3,752
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets58.9213%3,432
Net loans and leases to deposits74.6559%3,011
Net loans and leases to core deposits74.9659%3,373
Total domestic deposits to total assets78.9238%4,049
Equity capital to assets10.4354%2,808
Core capital (leverage) ratio10.6434%2,238
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$73,364,0004,346
Average earning assets$69,329,6674,331
Average equity$7,935,6674,463
Average total loans$43,301,3334,282
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3878%2,660
Cost of funding earning assets0.4263%4,251
Net interest margin3.9615%1,496
Noninterest income to average assets0.2993%3,720
Noninterest expense to average assets3.0720%1,714
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.0052%2,154
Return on assets (ROA)1.0052%2,265
Pretax return on assets1.0052%2,828
Return on Equity (ROE)9.1148%2,063
Retained earnings to average equity (ytd only)9.1148%944
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.3463%1,639
Assets per employee ($millions)3.9623%3,971
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.9310%575
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1697%3,814
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets57.3231%3,724
Net loans and leases to deposits74.4293%3,226
Net loans and leases to core deposits74.7764%3,585
Total domestic deposits to total assets77.0169%4,345
Equity capital to assets11.2280%2,659
Core capital (leverage) ratio10.8895%2,575
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$70,833,5004,399
Average earning assets$67,550,5004,360
Average equity$7,811,5004,506
Average total loans$41,445,0004,340
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6212%2,547
Cost of funding earning assets0.4045%4,431
Net interest margin4.2166%1,291
Noninterest income to average assets0.3360%3,698
Noninterest expense to average assets3.3683%1,168
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets0.9741%2,933
Return on assets (ROA)0.9741%3,020
Pretax return on assets0.9741%3,529
Return on Equity (ROE)9.0478%2,734
Retained earnings to average equity (ytd only)3.5973%3,199
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.5676%1,198
Assets per employee ($millions)4.1379%3,710
Cash dividends to net income (ytd only)*60.2410%1,553
Condition Ratios (%)
Loss allowance to loans1.9538%491
Loan loss allowance to noncurrent loans1,219.6970%495
Noncurrent assets plus other real estate owned to assets0.2658%3,366
Noncurrent loans to loans0.1602%3,888
Net loans and leases to total assets57.4255%3,814
Net loans and leases to deposits74.1674%3,337
Net loans and leases to core deposits74.5135%3,679
Total domestic deposits to total assets77.4270%4,441
Equity capital to assets10.8252%3,160
Core capital (leverage) ratio10.5888%2,866
Tier 1 risk-based capital ratio20.8723%1,185
Total risk-based capital ratio22.1320%1,162
Memoranda:
Average total assets$68,164,2004,462
Average earning assets$64,767,4004,424
Average equity$7,338,8004,598
Average total loans$40,209,6004,394
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6361%2,613
Cost of funding earning assets0.4052%4,487
Net interest margin4.2309%1,305
Noninterest income to average assets0.3392%3,701
Noninterest expense to average assets3.5808%871
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.7729%3,763
Return on assets (ROA)0.7729%3,831
Pretax return on assets0.7729%4,186
Return on Equity (ROE)7.1894%3,614
Retained earnings to average equity (ytd only)3.5213%3,645
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.2464%740
Assets per employee ($millions)4.0929%3,772
Cash dividends to net income (ytd only)*51.0208%1,624
Condition Ratios (%)
Loss allowance to loans1.9868%479
Loan loss allowance to noncurrent loans6,708.3333%113
Noncurrent assets plus other real estate owned to assets0.1911%3,800
Noncurrent loans to loans0.0296%4,536
Net loans and leases to total assets57.0747%3,961
Net loans and leases to deposits72.7939%3,571
Net loans and leases to core deposits73.1317%3,880
Total domestic deposits to total assets78.4058%4,285
Equity capital to assets10.8467%3,253
Core capital (leverage) ratio11.1195%2,541
Tier 1 risk-based capital ratio20.7288%1,226
Total risk-based capital ratio21.9892%1,201
Memoranda:
Average total assets$67,619,0004,525
Average earning assets$64,161,5004,488
Average equity$7,269,7504,663
Average total loans$39,961,7504,461
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5498%2,850
Cost of funding earning assets0.4151%4,450
Net interest margin4.1348%1,510
Noninterest income to average assets0.3644%3,497
Noninterest expense to average assets3.7273%724
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.5645%4,394
Return on assets (ROA)0.5645%4,428
Pretax return on assets0.5645%4,604
Return on Equity (ROE)5.2666%4,272
Retained earnings to average equity (ytd only)-0.3065%4,732
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.8476%501
Assets per employee ($millions)3.9883%3,878
Cash dividends to net income (ytd only)*105.8201%356
Condition Ratios (%)
Loss allowance to loans2.0129%468
Loan loss allowance to noncurrent loans6,708.3333%111
Noncurrent assets plus other real estate owned to assets0.0188%4,694
Noncurrent loans to loans0.0300%4,568
Net loans and leases to total assets61.4107%3,610
Net loans and leases to deposits76.7820%3,264
Net loans and leases to core deposits79.5889%3,454
Total domestic deposits to total assets79.9806%4,045
Equity capital to assets11.5118%2,599
Core capital (leverage) ratio11.2250%2,399
Tier 1 risk-based capital ratio20.6653%1,220
Total risk-based capital ratio21.9258%1,195
Memoranda:
Average total assets$66,965,6704,570
Average earning assets$63,606,6704,531
Average equity$7,177,3304,701
Average total loans$39,776,6704,500
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4249%3,133
Cost of funding earning assets0.4197%4,404
Net interest margin4.0052%1,843
Noninterest income to average assets0.3910%3,250
Noninterest expense to average assets4.0384%513
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.1401%5,062
Return on assets (ROA)0.1401%5,069
Pretax return on assets0.1401%5,076
Return on Equity (ROE)1.3534%5,044
Retained earnings to average equity (ytd only)-9.9253%5,104
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.6480%219
Assets per employee ($millions)4.2149%3,605
Cash dividends to net income (ytd only)*833.3333%23
Condition Ratios (%)
Loss allowance to loans2.0012%498
Loan loss allowance to noncurrent loans26,833.3333%36
Noncurrent assets plus other real estate owned to assets0.1839%3,897
Noncurrent loans to loans0.0075%4,762
Net loans and leases to total assets58.4552%3,835
Net loans and leases to deposits70.9024%3,696
Net loans and leases to core deposits73.2746%3,840
Total domestic deposits to total assets82.4446%3,606
Equity capital to assets10.4733%3,367
Core capital (leverage) ratio10.3459%3,227
Tier 1 risk-based capital ratio19.8052%1,376
Total risk-based capital ratio21.0669%1,349
Memoranda:
Average total assets$68,542,0004,592
Average earning assets$64,815,0004,567
Average equity$7,093,0004,739
Average total loans$39,668,5004,555
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4257%2,677
Cost of funding earning assets0.3822%4,092
Net interest margin4.0435%1,851
Noninterest income to average assets0.3078%4,058
Noninterest expense to average assets3.5089%985
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.6172%4,369
Return on assets (ROA)0.6172%4,379
Pretax return on assets0.6172%4,603
Return on Equity (ROE)5.8133%4,231
Retained earnings to average equity (ytd only)0.1000%4,958
Net charge-offs to loans0.0150%3,182
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)67.8333%951
Efficiency ratio85.0423%578
Assets per employee ($millions)3.8692%4,072
Cash dividends to net income (ytd only)*98.2801%286
Condition Ratios (%)
Loss allowance to loans2.0582%427
Loan loss allowance to noncurrent loans332.6446%1,514
Noncurrent assets plus other real estate owned to assets0.5212%2,507
Noncurrent loans to loans0.6188%2,430
Net loans and leases to total assets55.0010%4,210
Net loans and leases to deposits66.1795%4,107
Net loans and leases to core deposits68.3036%4,221
Total domestic deposits to total assets83.1089%3,289
Equity capital to assets10.2274%3,444
Core capital (leverage) ratio10.3513%3,199
Tier 1 risk-based capital ratio20.5380%1,219
Total risk-based capital ratio21.8002%1,189
Memoranda:
Average total assets$65,946,0004,656
Average earning assets$62,272,4004,624
Average equity$7,001,2004,749
Average total loans$40,124,2004,549
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3905%2,661
Cost of funding earning assets0.3661%4,079
Net interest margin4.0244%1,878
Noninterest income to average assets0.3035%4,118
Noninterest expense to average assets3.4183%1,090
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.6951%4,234
Return on assets (ROA)0.6951%4,245
Pretax return on assets0.6951%4,544
Return on Equity (ROE)6.4841%4,111
Retained earnings to average equity (ytd only)-1.1667%5,146
Net charge-offs to loans0.0198%2,745
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)56.4988%1,092
Efficiency ratio83.1007%698
Assets per employee ($millions)4.2937%3,429
Cash dividends to net income (ytd only)*117.9938%162
Condition Ratios (%)
Loss allowance to loans2.0510%444
Loan loss allowance to noncurrent loans516.0256%1,065
Noncurrent assets plus other real estate owned to assets0.4301%2,966
Noncurrent loans to loans0.3975%3,231
Net loans and leases to total assets59.6901%3,876
Net loans and leases to deposits70.9286%3,850
Net loans and leases to core deposits73.3650%3,987
Total domestic deposits to total assets84.1552%2,888
Equity capital to assets10.7956%2,846
Core capital (leverage) ratio10.9712%2,610
Tier 1 risk-based capital ratio17.1089%2,060
Total risk-based capital ratio18.3672%1,996
Memoranda:
Average total assets$65,021,0004,724
Average earning assets$61,555,5004,683
Average equity$6,970,7504,802
Average total loans$40,377,5004,587
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2855%2,814
Cost of funding earning assets0.3536%4,052
Net interest margin3.9319%2,097
Noninterest income to average assets0.3005%4,170
Noninterest expense to average assets3.3729%1,173
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.6439%4,365
Return on assets (ROA)0.6439%4,374
Pretax return on assets0.6439%4,655
Return on Equity (ROE)6.0201%4,234
Retained earnings to average equity (ytd only)-5.4467%5,309
Net charge-offs to loans0.0294%2,271
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)35.0000%1,388
Efficiency ratio83.9695%687
Assets per employee ($millions)4.6072%2,956
Cash dividends to net income (ytd only)*190.4762%72
Condition Ratios (%)
Loss allowance to loans2.0222%502
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1876%4,042
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets60.4688%3,766
Net loans and leases to deposits73.2176%3,604
Net loans and leases to core deposits73.2176%3,928
Total domestic deposits to total assets82.5879%3,533
Equity capital to assets10.6417%2,982
Core capital (leverage) ratio10.8581%2,653
Tier 1 risk-based capital ratio19.2251%1,495
Total risk-based capital ratio20.4864%1,449
Memoranda:
Average total assets$65,226,0004,769
Average earning assets$61,649,6704,735
Average equity$6,976,6704,849
Average total loans$40,753,6704,614
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2244%2,805
Cost of funding earning assets0.3472%4,015
Net interest margin3.8772%2,131
Noninterest income to average assets0.3110%4,078
Noninterest expense to average assets3.2262%1,515
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.7623%3,866
Return on assets (ROA)0.7623%3,865
Pretax return on assets0.7623%4,252
Return on Equity (ROE)7.1093%3,744
Retained earnings to average equity (ytd only)-4.2656%5,158
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.8869%1,054
Assets per employee ($millions)4.2823%3,516
Cash dividends to net income (ytd only)*160.0000%279
Condition Ratios (%)
Loss allowance to loans1.9870%557
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1884%4,142
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets62.2791%3,515
Net loans and leases to deposits76.8647%3,126
Net loans and leases to core deposits76.8647%3,592
Total domestic deposits to total assets81.0244%4,196
Equity capital to assets10.8617%2,710
Core capital (leverage) ratio10.6540%2,790
Tier 1 risk-based capital ratio17.3072%2,032
Total risk-based capital ratio18.5655%1,980
Memoranda:
Average total assets$65,588,5004,824
Average earning assets$62,210,0004,785
Average equity$7,033,0004,892
Average total loans$41,226,5004,657
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1746%2,786
Cost of funding earning assets0.2435%4,617
Net interest margin3.9311%1,986
Noninterest income to average assets0.3216%4,162
Noninterest expense to average assets3.1496%1,718
Loan and lease loss provision to assets0.1052%2,130
Net operating income to assets0.7544%3,373
Return on assets (ROA)0.7544%3,413
Pretax return on assets0.7544%4,377
Return on Equity (ROE)7.1539%3,198
Retained earnings to average equity (ytd only)3.5912%3,116
Net charge-offs to loans0.0049%3,908
Credit loss provision to net charge-offs3,500.0000%117
Earnings coverage of net charge-offs (x)286.0000%300
Efficiency ratio78.5607%1,277
Assets per employee ($millions)3.9378%4,065
Cash dividends to net income (ytd only)*49.8008%2,293
Condition Ratios (%)
Loss allowance to loans1.9478%594
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1808%4,228
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets60.9871%3,734
Net loans and leases to deposits74.8030%3,444
Net loans and leases to core deposits75.7117%3,760
Total domestic deposits to total assets81.5303%3,991
Equity capital to assets10.5898%3,062
Core capital (leverage) ratio10.5195%2,829
Tier 1 risk-based capital ratio16.6980%2,202
Total risk-based capital ratio17.9552%2,144
Memoranda:
Average total assets$66,547,2004,835
Average earning assets$62,424,8004,811
Average equity$7,017,2004,934
Average total loans$40,603,6004,715
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1481%2,802
Cost of funding earning assets0.2079%4,905
Net interest margin3.9402%1,895
Noninterest income to average assets0.3391%4,112
Noninterest expense to average assets3.0479%1,965
Loan and lease loss provision to assets0.0883%2,316
Net operating income to assets0.8909%3,072
Return on assets (ROA)0.8909%3,124
Pretax return on assets0.8909%4,072
Return on Equity (ROE)8.4579%2,904
Retained earnings to average equity (ytd only)3.6955%3,728
Net charge-offs to loans0.0066%3,493
Credit loss provision to net charge-offs2,200.0000%193
Earnings coverage of net charge-offs (x)243.6891%362
Efficiency ratio75.6851%1,639
Assets per employee ($millions)4.1371%3,762
Cash dividends to net income (ytd only)*56.3067%1,492
Condition Ratios (%)
Loss allowance to loans1.8227%818
Loan loss allowance to noncurrent loans530.4054%985
Noncurrent assets plus other real estate owned to assets0.4064%3,408
Noncurrent loans to loans0.3437%3,713
Net loans and leases to total assets63.8759%3,422
Net loans and leases to deposits78.2290%3,140
Net loans and leases to core deposits79.1887%3,521
Total domestic deposits to total assets81.6524%3,881
Equity capital to assets10.6898%3,173
Core capital (leverage) ratio10.5650%2,916
Tier 1 risk-based capital ratio15.7954%2,589
Total risk-based capital ratio17.0519%2,527
Memoranda:
Average total assets$66,448,5004,892
Average earning assets$62,195,7504,862
Average equity$6,999,2504,998
Average total loans$40,345,2504,768
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0552%2,995
Cost of funding earning assets0.1767%5,166
Net interest margin3.8785%2,009
Noninterest income to average assets0.3307%4,177
Noninterest expense to average assets3.0812%1,882
Loan and lease loss provision to assets0.0511%2,963
Net operating income to assets0.8267%3,262
Return on assets (ROA)0.8267%3,320
Pretax return on assets0.8267%4,176
Return on Equity (ROE)7.8868%3,099
Retained earnings to average equity (ytd only)5.0189%2,696
Net charge-offs to loans0.0051%3,288
Credit loss provision to net charge-offs1,700.0000%241
Earnings coverage of net charge-offs (x)292.0000%287
Efficiency ratio77.8284%1,487
Assets per employee ($millions)4.2091%3,600
Cash dividends to net income (ytd only)*36.3636%2,504
Condition Ratios (%)
Loss allowance to loans1.8709%763
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1691%4,509
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets55.6349%4,257
Net loans and leases to deposits67.1734%4,132
Net loans and leases to core deposits67.9242%4,353
Total domestic deposits to total assets82.8228%3,622
Equity capital to assets9.8569%4,080
Core capital (leverage) ratio11.2556%2,174
Tier 1 risk-based capital ratio16.5649%2,294
Total risk-based capital ratio17.8210%2,245
Memoranda:
Average total assets$66,533,3304,923
Average earning assets$62,241,0004,897
Average equity$6,973,6705,029
Average total loans$39,438,0004,825
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0528%2,843
Cost of funding earning assets0.1589%5,311
Net interest margin3.8939%1,799
Noninterest income to average assets0.3436%4,096
Noninterest expense to average assets3.0052%2,154
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.0121%2,254
Return on assets (ROA)1.0121%2,307
Pretax return on assets1.0121%3,313
Return on Equity (ROE)9.3453%2,256
Retained earnings to average equity (ytd only)9.3453%967
Net charge-offs to loans0.0103%2,625
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)162.0000%333
Efficiency ratio74.8056%2,095
Assets per employee ($millions)3.9844%4,037
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.8100%937
Loan loss allowance to noncurrent loans18,550.0000%54
Noncurrent assets plus other real estate owned to assets0.1961%4,452
Noncurrent loans to loans0.0098%5,209
Net loans and leases to total assets63.1404%3,388
Net loans and leases to deposits79.0355%2,859
Net loans and leases to core deposits80.0652%3,290
Total domestic deposits to total assets79.8886%4,641
Equity capital to assets11.0243%2,609
Core capital (leverage) ratio11.0166%2,349
Tier 1 risk-based capital ratio16.2988%2,435
Total risk-based capital ratio17.5552%2,375
Memoranda:
Average total assets$64,023,0005,035
Average earning assets$60,402,5004,989
Average equity$6,934,0005,078
Average total loans$38,873,0004,893
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8531%3,728
Cost of funding earning assets0.1601%5,354
Net interest margin3.6930%2,723
Noninterest income to average assets0.5128%3,150
Noninterest expense to average assets3.0909%2,067
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.9001%2,821
Return on assets (ROA)0.9001%2,944
Pretax return on assets0.9001%3,854
Return on Equity (ROE)8.4360%2,719
Retained earnings to average equity (ytd only)6.9630%1,242
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.4463%1,779
Assets per employee ($millions)4.0185%3,931
Cash dividends to net income (ytd only)*17.4603%3,811
Condition Ratios (%)
Loss allowance to loans2.0217%630
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1882%4,568
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets56.0050%4,264
Net loans and leases to deposits70.3644%3,871
Net loans and leases to core deposits70.3644%4,211
Total domestic deposits to total assets79.5928%4,660
Equity capital to assets10.6383%2,993
Core capital (leverage) ratio10.5095%2,876
Tier 1 risk-based capital ratio17.8787%1,884
Total risk-based capital ratio19.1371%1,841
Memoranda:
Average total assets$62,992,0005,076
Average earning assets$59,329,2005,037
Average equity$6,721,2005,149
Average total loans$35,727,4005,024
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8515%3,763
Cost of funding earning assets0.1580%5,428
Net interest margin3.6935%2,742
Noninterest income to average assets0.4532%3,539
Noninterest expense to average assets2.9319%2,537
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.0021%2,423
Return on assets (ROA)1.0021%2,563
Pretax return on assets1.0021%3,622
Return on Equity (ROE)9.3847%2,311
Retained earnings to average equity (ytd only)7.3922%1,444
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.5268%2,185
Assets per employee ($millions)4.5367%3,023
Cash dividends to net income (ytd only)*21.2316%3,175
Condition Ratios (%)
Loss allowance to loans2.0519%663
Loan loss allowance to noncurrent loans895.1807%648
Noncurrent assets plus other real estate owned to assets0.3212%4,122
Noncurrent loans to loans0.2292%4,451
Net loans and leases to total assets55.8428%4,325
Net loans and leases to deposits72.3911%3,764
Net loans and leases to core deposits72.3911%4,128
Total domestic deposits to total assets77.1405%5,057
Equity capital to assets10.8543%3,197
Core capital (leverage) ratio10.8372%2,640
Tier 1 risk-based capital ratio18.1574%1,868
Total risk-based capital ratio19.4163%1,838
Memoranda:
Average total assets$62,666,0005,126
Average earning assets$59,057,2505,089
Average equity$6,691,5005,204
Average total loans$35,471,2505,079
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9170%3,549
Cost of funding earning assets0.1571%5,499
Net interest margin3.7599%2,476
Noninterest income to average assets0.4873%3,279
Noninterest expense to average assets2.9944%2,366
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.0227%2,283
Return on assets (ROA)1.0227%2,422
Pretax return on assets1.0227%3,501
Return on Equity (ROE)9.6316%2,213
Retained earnings to average equity (ytd only)6.6123%1,806
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.5411%2,283
Assets per employee ($millions)4.1353%3,677
Cash dividends to net income (ytd only)*31.3480%2,784
Condition Ratios (%)
Loss allowance to loans2.0690%643
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1951%4,704
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets56.6951%4,234
Net loans and leases to deposits73.7166%3,628
Net loans and leases to core deposits73.7166%4,006
Total domestic deposits to total assets76.9096%5,170
Equity capital to assets10.9125%3,156
Core capital (leverage) ratio10.8408%2,606
Tier 1 risk-based capital ratio17.8872%1,966
Total risk-based capital ratio19.1475%1,920
Memoranda:
Average total assets$62,383,3305,190
Average earning assets$58,565,0005,144
Average equity$6,624,0005,263
Average total loans$35,224,6705,130
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8228%3,864
Cost of funding earning assets0.1576%5,555
Net interest margin3.6653%2,827
Noninterest income to average assets0.6394%2,323
Noninterest expense to average assets2.9987%2,397
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.0614%2,046
Return on assets (ROA)1.0614%2,154
Pretax return on assets1.0614%3,238
Return on Equity (ROE)10.1351%1,933
Retained earnings to average equity (ytd only)10.1351%824
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.8583%2,500
Assets per employee ($millions)4.1883%3,603
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans2.0979%686
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1926%4,795
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets55.1907%4,336
Net loans and leases to deposits70.6401%3,796
Net loans and leases to core deposits70.6401%4,187
Total domestic deposits to total assets78.1294%5,123
Equity capital to assets10.6010%3,372
Core capital (leverage) ratio10.3968%3,075
Tier 1 risk-based capital ratio17.6825%2,077
Total risk-based capital ratio18.9410%2,039
Memoranda:
Average total assets$62,560,0005,234
Average earning assets$58,386,0005,204
Average equity$6,551,5005,313
Average total loans$34,881,5005,182
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9741%3,410
Cost of funding earning assets0.1611%5,603
Net interest margin3.8130%2,326
Noninterest income to average assets0.3701%4,264
Noninterest expense to average assets3.2704%1,791
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.6493%4,040
Return on assets (ROA)0.6493%4,137
Pretax return on assets0.6493%4,678
Return on Equity (ROE)6.1830%3,957
Retained earnings to average equity (ytd only)-2.7041%5,798
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.4351%1,231
Assets per employee ($millions)3.8935%4,128
Cash dividends to net income (ytd only)*143.7346%173
Condition Ratios (%)
Loss allowance to loans2.1632%625
Loan loss allowance to noncurrent loans2,972.0000%236
Noncurrent assets plus other real estate owned to assets0.2344%4,659
Noncurrent loans to loans0.0728%5,214
Net loans and leases to total assets53.9425%4,508
Net loans and leases to deposits67.8170%4,145
Net loans and leases to core deposits67.8170%4,460
Total domestic deposits to total assets79.5412%4,857
Equity capital to assets10.3426%3,575
Core capital (leverage) ratio9.9408%3,596
Tier 1 risk-based capital ratio17.6253%2,086
Total risk-based capital ratio18.8846%2,030
Memoranda:
Average total assets$62,682,6005,251
Average earning assets$58,352,4005,230
Average equity$6,582,6005,328
Average total loans$35,741,2005,163
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8664%3,870
Cost of funding earning assets0.1617%5,693
Net interest margin3.7047%2,751
Noninterest income to average assets0.3568%4,390
Noninterest expense to average assets3.0965%2,231
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.7157%3,842
Return on assets (ROA)0.7157%3,941
Pretax return on assets0.7157%4,625
Return on Equity (ROE)6.7899%3,731
Retained earnings to average equity (ytd only)-0.2619%5,655
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.2256%1,497
Assets per employee ($millions)3.9332%4,009
Cash dividends to net income (ytd only)*103.8592%328
Condition Ratios (%)
Loss allowance to loans2.1104%763
Loan loss allowance to noncurrent loans117.0079%3,332
Noncurrent assets plus other real estate owned to assets1.2013%1,970
Noncurrent loans to loans1.8037%1,315
Net loans and leases to total assets54.7632%4,485
Net loans and leases to deposits70.0083%3,986
Net loans and leases to core deposits70.0083%4,367
Total domestic deposits to total assets78.2238%5,147
Equity capital to assets10.5846%3,497
Core capital (leverage) ratio10.8124%2,702
Tier 1 risk-based capital ratio18.3120%1,950
Total risk-based capital ratio19.5711%1,906
Memoranda:
Average total assets$62,779,2505,314
Average earning assets$58,554,2505,289
Average equity$6,617,5005,384
Average total loans$36,089,7505,211
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8405%3,918
Cost of funding earning assets0.1649%5,741
Net interest margin3.6756%2,812
Noninterest income to average assets0.3539%4,427
Noninterest expense to average assets2.9747%2,631
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.7907%3,433
Return on assets (ROA)0.7907%3,528
Pretax return on assets0.7907%4,349
Return on Equity (ROE)7.5117%3,316
Retained earnings to average equity (ytd only)-3.0895%5,927
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.0008%1,913
Assets per employee ($millions)3.9066%4,055
Cash dividends to net income (ytd only)*141.1290%216
Condition Ratios (%)
Loss allowance to loans2.0591%904
Loan loss allowance to noncurrent loans117.0079%3,338
Noncurrent assets plus other real estate owned to assets1.5295%1,601
Noncurrent loans to loans1.7598%1,458
Net loans and leases to total assets56.5395%4,274
Net loans and leases to deposits71.6226%3,752
Net loans and leases to core deposits71.9990%4,135
Total domestic deposits to total assets78.9409%5,110
Equity capital to assets10.4824%3,459
Core capital (leverage) ratio10.6440%2,800
Tier 1 risk-based capital ratio17.3551%2,267
Total risk-based capital ratio18.6152%2,225
Memoranda:
Average total assets$62,728,6705,380
Average earning assets$58,222,3305,360
Average equity$6,603,0005,431
Average total loans$36,384,3305,247
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8200%3,927
Cost of funding earning assets0.1777%5,696
Net interest margin3.6423%2,847
Noninterest income to average assets0.3374%4,495
Noninterest expense to average assets2.9471%2,748
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.7829%3,352
Return on assets (ROA)0.7829%3,484
Pretax return on assets0.7829%4,303
Return on Equity (ROE)7.4225%3,262
Retained earnings to average equity (ytd only)1.3879%4,932
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.0102%2,036
Assets per employee ($millions)4.4343%3,156
Cash dividends to net income (ytd only)*81.3008%953
Condition Ratios (%)
Loss allowance to loans2.0109%1,054
Loan loss allowance to noncurrent loans116.0938%3,333
Noncurrent assets plus other real estate owned to assets1.5480%1,669
Noncurrent loans to loans1.7322%1,578
Net loans and leases to total assets58.3199%3,897
Net loans and leases to deposits74.9245%3,169
Net loans and leases to core deposits75.3251%3,659
Total domestic deposits to total assets77.8383%5,480
Equity capital to assets10.7829%3,211
Core capital (leverage) ratio10.7257%2,719
Tier 1 risk-based capital ratio16.6139%2,631
Total risk-based capital ratio17.8724%2,579
Memoranda:
Average total assets$62,840,5005,429
Average earning assets$58,534,5005,400
Average equity$6,628,5005,477
Average total loans$36,535,0005,272
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6911%4,798
Cost of funding earning assets0.2411%5,416
Net interest margin3.4500%3,979
Noninterest income to average assets0.5408%3,230
Noninterest expense to average assets2.9185%3,086
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.8227%3,268
Return on assets (ROA)0.8227%3,358
Pretax return on assets0.8227%4,180
Return on Equity (ROE)8.2120%3,013
Retained earnings to average equity (ytd only)5.2300%2,449
Net charge-offs to loans0.0113%4,677
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)134.2500%402
Efficiency ratio78.0098%2,207
Assets per employee ($millions)4.5529%2,951
Cash dividends to net income (ytd only)*36.3128%3,050
Condition Ratios (%)
Loss allowance to loans2.0569%1,014
Loan loss allowance to noncurrent loans88.4524%4,000
Noncurrent assets plus other real estate owned to assets1.9626%1,312
Noncurrent loans to loans2.3255%1,120
Net loans and leases to total assets55.5043%4,389
Net loans and leases to deposits69.5629%3,969
Net loans and leases to core deposits69.9162%4,336
Total domestic deposits to total assets79.7901%5,071
Equity capital to assets10.5160%3,455
Core capital (leverage) ratio10.3848%3,072
Tier 1 risk-based capital ratio20.2671%1,541
Total risk-based capital ratio21.5278%1,510
Memoranda:
Average total assets$65,273,8005,416
Average earning assets$60,551,2005,380
Average equity$6,539,2005,510
Average total loans$35,449,2005,348
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6462%5,017
Cost of funding earning assets0.2606%5,296
Net interest margin3.3856%4,291
Noninterest income to average assets0.5645%3,103
Noninterest expense to average assets2.9019%3,108
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.8021%3,418
Return on assets (ROA)0.8021%3,513
Pretax return on assets0.8021%4,359
Return on Equity (ROE)8.1045%3,151
Retained earnings to average equity (ytd only)6.1553%2,311
Net charge-offs to loans0.0151%4,249
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)98.8086%592
Efficiency ratio78.3443%2,128
Assets per employee ($millions)4.4779%3,011
Cash dividends to net income (ytd only)*24.0501%3,060
Condition Ratios (%)
Loss allowance to loans2.0823%1,112
Loan loss allowance to noncurrent loans67.2398%4,567
Noncurrent assets plus other real estate owned to assets2.4182%1,112
Noncurrent loans to loans3.0968%841
Net loans and leases to total assets55.7330%4,366
Net loans and leases to deposits70.2729%3,888
Net loans and leases to core deposits70.6366%4,273
Total domestic deposits to total assets79.3093%5,260
Equity capital to assets10.6237%3,405
Core capital (leverage) ratio10.8632%2,618
Tier 1 risk-based capital ratio20.0440%1,662
Total risk-based capital ratio21.3046%1,628
Memoranda:
Average total assets$65,657,0005,463
Average earning assets$60,884,0005,432
Average equity$6,498,2505,575
Average total loans$35,281,0005,407
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5693%5,237
Cost of funding earning assets0.2815%5,163
Net interest margin3.2878%4,634
Noninterest income to average assets0.6272%2,667
Noninterest expense to average assets2.8179%3,436
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.8583%3,023
Return on assets (ROA)0.8583%3,125
Pretax return on assets0.8583%4,048
Return on Equity (ROE)8.8760%2,646
Retained earnings to average equity (ytd only)7.4794%1,527
Net charge-offs to loans0.0228%3,750
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)71.5000%724
Efficiency ratio76.6531%2,512
Assets per employee ($millions)4.0203%3,795
Cash dividends to net income (ytd only)*15.7343%3,306
Condition Ratios (%)
Loss allowance to loans2.1411%1,103
Loan loss allowance to noncurrent loans224.4713%1,939
Noncurrent assets plus other real estate owned to assets1.2304%2,635
Noncurrent loans to loans0.9538%3,338
Net loans and leases to total assets56.3121%4,242
Net loans and leases to deposits71.6329%3,621
Net loans and leases to core deposits72.5434%3,995
Total domestic deposits to total assets78.6121%5,530
Equity capital to assets10.9410%2,935
Core capital (leverage) ratio10.6911%2,732
Tier 1 risk-based capital ratio19.9487%1,699
Total risk-based capital ratio21.2113%1,666
Memoranda:
Average total assets$66,646,0005,488
Average earning assets$61,804,0005,460
Average equity$6,444,3305,618
Average total loans$35,147,3305,453
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3783%5,694
Cost of funding earning assets0.2938%5,137
Net interest margin3.0845%5,301
Noninterest income to average assets0.9281%1,308
Noninterest expense to average assets2.6068%4,246
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.2089%1,461
Return on assets (ROA)1.2089%1,523
Pretax return on assets1.2089%2,454
Return on Equity (ROE)13.2548%1,096
Retained earnings to average equity (ytd only)13.2548%457
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.3183%4,129
Assets per employee ($millions)4.6503%2,726
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.0980%1,325
Loan loss allowance to noncurrent loans219.7059%1,939
Noncurrent assets plus other real estate owned to assets1.0766%3,103
Noncurrent loans to loans0.9549%3,503
Net loans and leases to total assets49.9735%4,913
Net loans and leases to deposits61.4191%4,611
Net loans and leases to core deposits62.0698%4,873
Total domestic deposits to total assets81.3648%5,135
Equity capital to assets9.3226%4,734
Core capital (leverage) ratio9.5374%4,225
Tier 1 risk-based capital ratio19.7965%1,770
Total risk-based capital ratio21.0581%1,731
Memoranda:
Average total assets$69,816,5005,452
Average earning assets$65,358,0005,395
Average equity$6,367,5005,673
Average total loans$35,370,0005,493
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0192%4,024
Cost of funding earning assets0.4164%4,467
Net interest margin3.6028%3,456
Noninterest income to average assets0.3519%4,797
Noninterest expense to average assets3.0428%2,922
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.6677%3,951
Return on assets (ROA)0.6677%4,048
Pretax return on assets0.6677%4,645
Return on Equity (ROE)7.5713%3,264
Retained earnings to average equity (ytd only)7.5713%1,210
Net charge-offs to loans0.2285%2,634
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)5.1222%3,376
Efficiency ratio82.0062%1,875
Assets per employee ($millions)4.1105%3,626
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.1261%1,293
Loan loss allowance to noncurrent loans213.4286%1,983
Noncurrent assets plus other real estate owned to assets1.1949%3,015
Noncurrent loans to loans0.9962%3,522
Net loans and leases to total assets49.2101%5,172
Net loans and leases to deposits59.4458%4,982
Net loans and leases to core deposits60.0625%5,216
Total domestic deposits to total assets82.7814%4,618
Equity capital to assets8.9184%5,133
Core capital (leverage) ratio9.2938%4,563
Tier 1 risk-based capital ratio19.5070%1,784
Total risk-based capital ratio20.7697%1,742
Memoranda:
Average total assets$69,047,2005,507
Average earning assets$64,366,0005,452
Average equity$6,088,8005,800
Average total loans$39,390,4005,371
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1266%3,656
Cost of funding earning assets0.4479%4,297
Net interest margin3.6788%3,111
Noninterest income to average assets0.3564%4,845
Noninterest expense to average assets3.1958%2,383
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.5810%4,424
Return on assets (ROA)0.5810%4,554
Pretax return on assets0.5810%5,092
Return on Equity (ROE)6.6081%3,869
Retained earnings to average equity (ytd only)6.6081%2,077
Net charge-offs to loans0.2966%2,052
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)3.3333%3,735
Efficiency ratio84.6154%1,523
Assets per employee ($millions)4.0681%3,700
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.0033%1,713
Loan loss allowance to noncurrent loans193.2817%2,045
Noncurrent assets plus other real estate owned to assets1.2609%3,117
Noncurrent loans to loans1.0365%3,728
Net loans and leases to total assets52.9078%4,764
Net loans and leases to deposits64.5645%4,456
Net loans and leases to core deposits65.5993%4,746
Total domestic deposits to total assets81.9457%4,950
Equity capital to assets8.8507%5,364
Core capital (leverage) ratio8.9459%5,211
Tier 1 risk-based capital ratio17.9748%2,335
Total risk-based capital ratio19.2366%2,293
Memoranda:
Average total assets$68,839,5005,570
Average earning assets$64,005,2505,524
Average equity$6,053,0005,881
Average total loans$40,454,5005,381
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2023%3,361
Cost of funding earning assets0.4812%4,078
Net interest margin3.7212%2,880
Noninterest income to average assets0.3608%4,807
Noninterest expense to average assets3.0495%2,838
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.7769%3,422
Return on assets (ROA)0.7769%3,578
Pretax return on assets0.7769%4,403
Return on Equity (ROE)8.8552%2,676
Retained earnings to average equity (ytd only)8.8552%1,174
Net charge-offs to loans0.4338%1,492
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)2.9667%3,541
Efficiency ratio79.6958%2,200
Assets per employee ($millions)4.0574%3,673
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.7812%2,496
Loan loss allowance to noncurrent loans96.8872%3,537
Noncurrent assets plus other real estate owned to assets1.9311%2,247
Noncurrent loans to loans1.8384%2,583
Net loans and leases to total assets59.7202%3,710
Net loans and leases to deposits73.5243%3,223
Net loans and leases to core deposits75.0843%3,663
Total domestic deposits to total assets81.2251%5,285
Equity capital to assets8.7379%5,503
Core capital (leverage) ratio9.1039%4,821
Tier 1 risk-based capital ratio16.2408%3,075
Total risk-based capital ratio17.4989%3,014
Memoranda:
Average total assets$68,733,3305,614
Average earning assets$64,012,3305,556
Average equity$6,030,3305,926
Average total loans$41,493,3305,355
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9797%4,199
Cost of funding earning assets0.5185%3,896
Net interest margin3.4611%3,854
Noninterest income to average assets0.3498%4,881
Noninterest expense to average assets3.0840%2,724
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.4955%4,690
Return on assets (ROA)0.4955%4,843
Pretax return on assets0.4955%5,275
Return on Equity (ROE)5.6366%4,235
Retained earnings to average equity (ytd only)5.6366%2,871
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.1564%1,496
Assets per employee ($millions)3.9325%4,100
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.0510%1,917
Loan loss allowance to noncurrent loans137.4384%2,561
Noncurrent assets plus other real estate owned to assets1.7382%2,683
Noncurrent loans to loans1.4923%3,316
Net loans and leases to total assets59.7918%3,468
Net loans and leases to deposits73.3660%3,003
Net loans and leases to core deposits74.9648%3,472
Total domestic deposits to total assets81.4979%5,362
Equity capital to assets9.0813%5,385
Core capital (leverage) ratio8.8831%5,080
Tier 1 risk-based capital ratio16.5516%2,973
Total risk-based capital ratio17.8149%2,926
Memoranda:
Average total assets$68,612,5005,670
Average earning assets$64,025,5005,615
Average equity$6,032,0005,974
Average total loans$41,270,5005,403
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3350%4,070
Cost of funding earning assets0.6368%4,033
Net interest margin3.6982%3,652
Noninterest income to average assets0.4753%4,061
Noninterest expense to average assets3.0053%3,249
Loan and lease loss provision to assets0.2154%2,979
Net operating income to assets0.7151%3,667
Return on assets (ROA)0.7165%3,915
Pretax return on assets0.7165%4,610
Return on Equity (ROE)7.7976%3,186
Retained earnings to average equity (ytd only)-9.7822%6,627
Net charge-offs to loans1.1001%957
Credit loss provision to net charge-offs31.8471%5,090
Earnings coverage of net charge-offs (x)1.3758%4,765
Efficiency ratio76.3590%2,687
Assets per employee ($millions)3.9096%4,130
Cash dividends to net income (ytd only)*225.4509%99
Condition Ratios (%)
Loss allowance to loans2.0057%2,002
Loan loss allowance to noncurrent loans109.8425%3,101
Noncurrent assets plus other real estate owned to assets1.4750%3,171
Noncurrent loans to loans1.8259%2,879
Net loans and leases to total assets58.1118%3,962
Net loans and leases to deposits69.5777%3,762
Net loans and leases to core deposits70.9798%4,170
Total domestic deposits to total assets83.5207%4,529
Equity capital to assets8.5161%6,038
Core capital (leverage) ratio8.5240%5,578
Tier 1 risk-based capital ratio16.1740%3,064
Total risk-based capital ratio17.4369%3,012
Memoranda:
Average total assets$69,644,6005,635
Average earning assets$65,167,6005,581
Average equity$6,399,4005,917
Average total loans$42,814,4005,391
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3933%4,080
Cost of funding earning assets0.6674%4,040
Net interest margin3.7259%3,673
Noninterest income to average assets0.4645%4,182
Noninterest expense to average assets3.0673%2,988
Loan and lease loss provision to assets0.2879%2,270
Net operating income to assets0.6027%4,381
Return on assets (ROA)0.6027%4,646
Pretax return on assets0.6027%5,158
Return on Equity (ROE)6.4399%4,102
Retained earnings to average equity (ytd only)-6.3784%6,688
Net charge-offs to loans0.8077%1,355
Credit loss provision to net charge-offs57.4713%4,220
Earnings coverage of net charge-offs (x)1.7778%4,379
Efficiency ratio77.4976%2,457
Assets per employee ($millions)4.0707%3,735
Cash dividends to net income (ytd only)*199.0422%56
Condition Ratios (%)
Loss allowance to loans2.4697%1,245
Loan loss allowance to noncurrent loans96.6759%3,331
Noncurrent assets plus other real estate owned to assets1.9638%2,696
Noncurrent loans to loans2.5547%2,237
Net loans and leases to total assets59.7468%3,827
Net loans and leases to deposits71.9850%3,613
Net loans and leases to core deposits73.4766%4,052
Total domestic deposits to total assets82.9990%4,639
Equity capital to assets9.1211%5,682
Core capital (leverage) ratio9.1464%4,836
Tier 1 risk-based capital ratio16.9566%2,754
Total risk-based capital ratio18.2464%2,691
Memoranda:
Average total assets$69,462,5005,707
Average earning assets$65,127,5005,638
Average equity$6,501,0005,961
Average total loans$43,085,0005,431
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3119%4,519
Cost of funding earning assets0.6890%4,102
Net interest margin3.6229%4,173
Noninterest income to average assets0.4889%3,997
Noninterest expense to average assets2.9475%3,449
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.9432%2,694
Return on assets (ROA)0.9432%2,952
Pretax return on assets0.9432%3,905
Return on Equity (ROE)9.9939%2,354
Retained earnings to average equity (ytd only)-0.6703%6,158
Net charge-offs to loans1.2005%903
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)1.2615%4,378
Efficiency ratio75.7576%2,775
Assets per employee ($millions)3.4131%5,189
Cash dividends to net income (ytd only)*106.7073%366
Condition Ratios (%)
Loss allowance to loans2.1092%1,974
Loan loss allowance to noncurrent loans66.1754%4,356
Noncurrent assets plus other real estate owned to assets1.9879%2,792
Noncurrent loans to loans3.1872%1,825
Net loans and leases to total assets61.0559%3,614
Net loans and leases to deposits74.4888%3,212
Net loans and leases to core deposits77.1315%3,638
Total domestic deposits to total assets81.9665%5,147
Equity capital to assets9.6613%4,807
Core capital (leverage) ratio9.5299%4,105
Tier 1 risk-based capital ratio17.3952%2,512
Total risk-based capital ratio18.6604%2,472
Memoranda:
Average total assets$69,549,3305,742
Average earning assets$65,307,6705,667
Average equity$6,564,0005,964
Average total loans$43,315,6705,460
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4106%4,288
Cost of funding earning assets0.7280%4,045
Net interest margin3.6826%3,911
Noninterest income to average assets0.5927%3,284
Noninterest expense to average assets2.9405%3,473
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.1112%2,029
Return on assets (ROA)1.1112%2,211
Pretax return on assets1.1112%3,279
Return on Equity (ROE)11.9111%1,696
Retained earnings to average equity (ytd only)-4.8866%6,574
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.5738%3,329
Assets per employee ($millions)3.4560%5,221
Cash dividends to net income (ytd only)*141.0256%337
Condition Ratios (%)
Loss allowance to loans2.6642%1,161
Loan loss allowance to noncurrent loans67.9577%4,128
Noncurrent assets plus other real estate owned to assets2.4653%2,399
Noncurrent loans to loans3.9203%1,569
Net loans and leases to total assets61.2095%3,410
Net loans and leases to deposits74.9942%2,975
Net loans and leases to core deposits77.2551%3,430
Total domestic deposits to total assets81.6189%5,420
Equity capital to assets9.4170%4,929
Core capital (leverage) ratio9.3339%4,309
Tier 1 risk-based capital ratio17.0049%2,680
Total risk-based capital ratio18.2763%2,633
Memoranda:
Average total assets$70,193,0005,764
Average earning assets$65,932,0005,689
Average equity$6,548,5006,007
Average total loans$43,685,5005,482
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9355%3,180
Cost of funding earning assets0.8218%4,695
Net interest margin4.1137%2,374
Noninterest income to average assets0.4121%4,517
Noninterest expense to average assets3.0672%3,325
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets1.2170%1,472
Return on assets (ROA)1.2200%1,568
Pretax return on assets1.2200%2,390
Return on Equity (ROE)12.8233%1,201
Retained earnings to average equity (ytd only)8.9465%819
Net charge-offs to loans0.5510%2,810
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)3.3130%3,559
Efficiency ratio71.5929%3,664
Assets per employee ($millions)3.9592%3,954
Cash dividends to net income (ytd only)*30.2326%3,106
Condition Ratios (%)
Loss allowance to loans2.6375%1,147
Loan loss allowance to noncurrent loans166.3793%1,935
Noncurrent assets plus other real estate owned to assets0.9766%4,657
Noncurrent loans to loans1.5852%3,785
Net loans and leases to total assets59.9823%3,995
Net loans and leases to deposits72.8638%3,684
Net loans and leases to core deposits74.9724%4,106
Total domestic deposits to total assets82.3212%5,021
Equity capital to assets9.2442%5,220
Core capital (leverage) ratio9.4880%4,045
Tier 1 risk-based capital ratio17.1045%2,551
Total risk-based capital ratio18.3755%2,506
Memoranda:
Average total assets$66,967,0005,843
Average earning assets$63,033,2005,766
Average equity$6,371,2006,048
Average total loans$44,646,6005,484
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0877%2,667
Cost of funding earning assets0.8419%4,833
Net interest margin4.2459%1,926
Noninterest income to average assets0.4249%4,478
Noninterest expense to average assets3.1040%3,146
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.3213%1,321
Return on assets (ROA)1.3274%1,399
Pretax return on assets1.3274%2,192
Return on Equity (ROE)13.8458%1,070
Retained earnings to average equity (ytd only)11.9463%503
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.1417%3,940
Assets per employee ($millions)3.3406%5,389
Cash dividends to net income (ytd only)*13.7199%3,169
Condition Ratios (%)
Loss allowance to loans3.1582%759
Loan loss allowance to noncurrent loans152.9412%1,996
Noncurrent assets plus other real estate owned to assets1.3740%4,070
Noncurrent loans to loans2.0650%3,283
Net loans and leases to total assets64.4375%3,222
Net loans and leases to deposits78.5692%2,875
Net loans and leases to core deposits81.0086%3,487
Total domestic deposits to total assets82.0137%5,084
Equity capital to assets9.8994%4,478
Core capital (leverage) ratio9.9905%3,459
Tier 1 risk-based capital ratio16.9843%2,648
Total risk-based capital ratio18.2627%2,600
Memoranda:
Average total assets$65,892,2505,912
Average earning assets$62,082,5005,839
Average equity$6,317,0006,109
Average total loans$44,832,0005,523
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0533%2,908
Cost of funding earning assets0.8755%4,862
Net interest margin4.1778%2,129
Noninterest income to average assets0.4361%4,375
Noninterest expense to average assets3.0647%3,379
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.3296%1,246
Return on assets (ROA)1.3296%1,325
Pretax return on assets1.3296%2,044
Return on Equity (ROE)14.0238%975
Retained earnings to average equity (ytd only)14.0238%314
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.7432%4,163
Assets per employee ($millions)3.4415%5,100
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.1167%811
Loan loss allowance to noncurrent loans113.9610%2,543
Noncurrent assets plus other real estate owned to assets1.9070%3,363
Noncurrent loans to loans2.7349%2,661
Net loans and leases to total assets66.7436%2,872
Net loans and leases to deposits80.9974%2,620
Net loans and leases to core deposits83.5705%3,276
Total domestic deposits to total assets82.4022%5,021
Equity capital to assets9.9787%4,179
Core capital (leverage) ratio9.9193%3,364
Tier 1 risk-based capital ratio16.4691%2,759
Total risk-based capital ratio17.7487%2,704
Memoranda:
Average total assets$65,585,6705,969
Average earning assets$62,137,3305,885
Average equity$6,218,0006,167
Average total loans$44,957,3305,561
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0199%3,011
Cost of funding earning assets0.9436%4,623
Net interest margin4.0762%2,358
Noninterest income to average assets0.4506%4,280
Noninterest expense to average assets3.1362%3,120
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.1814%1,565
Return on assets (ROA)1.1814%1,617
Pretax return on assets1.1814%2,446
Return on Equity (ROE)12.7958%1,248
Retained earnings to average equity (ytd only)12.7958%621
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.6375%3,743
Assets per employee ($millions)3.6204%4,716
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.1669%790
Loan loss allowance to noncurrent loans148.7288%1,992
Noncurrent assets plus other real estate owned to assets1.4716%4,046
Noncurrent loans to loans2.1293%3,407
Net loans and leases to total assets65.8769%3,046
Net loans and leases to deposits79.1176%2,867
Net loans and leases to core deposits81.6268%3,511
Total domestic deposits to total assets83.2645%4,806
Equity capital to assets9.4572%4,493
Core capital (leverage) ratio9.4661%3,869
Tier 1 risk-based capital ratio15.6109%3,093
Total risk-based capital ratio16.8888%3,040
Memoranda:
Average total assets$65,684,0006,004
Average earning assets$62,312,5005,924
Average equity$6,064,5006,223
Average total loans$44,912,5005,617
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6731%1,671
Cost of funding earning assets1.2837%3,990
Net interest margin4.3894%1,513
Noninterest income to average assets0.7308%2,644
Noninterest expense to average assets3.3440%2,598
Loan and lease loss provision to assets0.6832%2,410
Net operating income to assets0.6464%3,459
Return on assets (ROA)0.6541%3,567
Pretax return on assets0.6541%4,147
Return on Equity (ROE)7.0607%3,085
Retained earnings to average equity (ytd only)3.9116%3,120
Net charge-offs to loans-0.2825%7,567
Credit loss provision to net charge-offs-339.6947%7,093
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.5506%3,880
Assets per employee ($millions)3.1524%5,770
Cash dividends to net income (ytd only)*44.6009%2,368
Condition Ratios (%)
Loss allowance to loans3.0863%811
Loan loss allowance to noncurrent loans143.7052%2,070
Noncurrent assets plus other real estate owned to assets1.4985%4,070
Noncurrent loans to loans2.1477%3,370
Net loans and leases to total assets66.5957%3,332
Net loans and leases to deposits79.4103%3,273
Net loans and leases to core deposits81.8670%3,922
Total domestic deposits to total assets83.8628%4,413
Equity capital to assets9.0119%5,126
Core capital (leverage) ratio8.8416%4,785
Tier 1 risk-based capital ratio14.5508%3,510
Total risk-based capital ratio15.8280%3,455
Memoranda:
Average total assets$65,131,6006,027
Average earning assets$58,504,2006,045
Average equity$6,033,4006,352
Average total loans$46,373,6005,624
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8113%1,360
Cost of funding earning assets1.3339%4,021
Net interest margin4.4773%1,310
Noninterest income to average assets0.7626%2,433
Noninterest expense to average assets3.4122%2,256
Loan and lease loss provision to assets0.6989%2,194
Net operating income to assets0.6187%3,799
Return on assets (ROA)0.6290%3,922
Pretax return on assets0.6290%4,490
Return on Equity (ROE)6.7434%3,462
Retained earnings to average equity (ytd only)5.8619%2,434
Net charge-offs to loans-0.3749%7,665
Credit loss provision to net charge-offs-259.5420%6,965
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.1425%3,667
Assets per employee ($millions)2.9429%6,279
Cash dividends to net income (ytd only)*13.0714%3,217
Condition Ratios (%)
Loss allowance to loans2.8439%970
Loan loss allowance to noncurrent loans86.0265%3,180
Noncurrent assets plus other real estate owned to assets2.4111%2,964
Noncurrent loans to loans3.3059%2,395
Net loans and leases to total assets65.5621%3,785
Net loans and leases to deposits78.2525%3,783
Net loans and leases to core deposits80.2869%4,475
Total domestic deposits to total assets83.7827%4,242
Equity capital to assets9.0786%5,477
Core capital (leverage) ratio9.2524%4,272
Tier 1 risk-based capital ratio14.3401%3,602
Total risk-based capital ratio15.5902%3,563
Memoranda:
Average total assets$64,864,2506,104
Average earning assets$57,473,2506,144
Average equity$6,050,2506,432
Average total loans$46,594,2505,695
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0430%853
Cost of funding earning assets1.3760%4,024
Net interest margin4.6670%872
Noninterest income to average assets0.7978%2,128
Noninterest expense to average assets3.5981%1,788
Loan and lease loss provision to assets0.1877%4,993
Net operating income to assets1.1295%1,761
Return on assets (ROA)1.1451%1,776
Pretax return on assets1.1451%2,606
Return on Equity (ROE)12.1622%1,414
Retained earnings to average equity (ytd only)10.8330%683
Net charge-offs to loans-0.5586%7,738
Credit loss provision to net charge-offs-45.8015%6,626
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2018%3,623
Assets per employee ($millions)2.8550%6,443
Cash dividends to net income (ytd only)*10.9290%3,142
Condition Ratios (%)
Loss allowance to loans2.2022%1,747
Loan loss allowance to noncurrent loans201.3834%1,404
Noncurrent assets plus other real estate owned to assets1.0651%5,007
Noncurrent loans to loans1.0935%5,133
Net loans and leases to total assets72.0486%2,385
Net loans and leases to deposits84.8372%2,733
Net loans and leases to core deposits86.6418%3,744
Total domestic deposits to total assets84.9257%3,669
Equity capital to assets9.8999%4,140
Core capital (leverage) ratio9.7054%3,529
Tier 1 risk-based capital ratio13.7711%3,896
Total risk-based capital ratio15.0206%3,861
Memoranda:
Average total assets$63,923,3306,182
Average earning assets$56,395,6706,227
Average equity$6,018,6706,461
Average total loans$46,900,3305,722
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1760%676
Cost of funding earning assets1.4394%3,938
Net interest margin4.7366%720
Noninterest income to average assets0.4901%4,123
Noninterest expense to average assets3.6538%1,607
Loan and lease loss provision to assets0.1861%4,648
Net operating income to assets0.7940%2,993
Return on assets (ROA)0.7940%3,104
Pretax return on assets0.7940%3,893
Return on Equity (ROE)8.6501%2,606
Retained earnings to average equity (ytd only)5.9470%2,642
Net charge-offs to loans-1.6520%7,863
Credit loss provision to net charge-offs-15.3846%5,964
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.8487%2,752
Assets per employee ($millions)2.8703%6,497
Cash dividends to net income (ytd only)*31.2500%1,987
Condition Ratios (%)
Loss allowance to loans2.2471%1,665
Loan loss allowance to noncurrent loans154.3988%1,810
Noncurrent assets plus other real estate owned to assets2.4815%2,922
Noncurrent loans to loans1.4554%4,564
Net loans and leases to total assets72.5418%2,317
Net loans and leases to deposits87.3099%2,353
Net loans and leases to core deposits88.6790%3,538
Total domestic deposits to total assets83.0855%4,579
Equity capital to assets9.4209%4,655
Core capital (leverage) ratio9.3641%3,958
Tier 1 risk-based capital ratio12.7129%4,546
Total risk-based capital ratio13.9626%4,514
Memoranda:
Average total assets$64,480,5006,226
Average earning assets$56,412,0006,305
Average equity$5,919,0006,548
Average total loans$47,214,5005,792
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1552%1,362
Cost of funding earning assets1.7405%4,301
Net interest margin4.4146%1,394
Noninterest income to average assets0.5922%3,684
Noninterest expense to average assets5.0484%501
Loan and lease loss provision to assets0.0304%7,222
Net operating income to assets-0.5054%6,185
Return on assets (ROA)-0.4720%6,144
Pretax return on assets-0.4720%5,988
Return on Equity (ROE)-4.7593%6,191
Retained earnings to average equity (ytd only)-10.7467%6,572
Net charge-offs to loans-0.2549%7,921
Credit loss provision to net charge-offs-15.6250%7,357
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio110.3862%789
Assets per employee ($millions)2.8615%6,538
Cash dividends to net income (ytd only)*-125.8065%7,913
Condition Ratios (%)
Loss allowance to loans1.7407%2,745
Loan loss allowance to noncurrent loans72.5044%3,782
Noncurrent assets plus other real estate owned to assets3.0085%2,328
Noncurrent loans to loans2.4008%3,161
Net loans and leases to total assets71.0183%2,996
Net loans and leases to deposits84.6325%3,153
Net loans and leases to core deposits96.3473%4,421
Total domestic deposits to total assets83.9138%4,062
Equity capital to assets8.9479%5,221
Core capital (leverage) ratio8.8084%4,760
Tier 1 risk-based capital ratio11.8213%5,092
Total risk-based capital ratio13.0723%5,059
Memoranda:
Average total assets$65,684,4006,149
Average earning assets$59,234,8006,153
Average equity$6,513,6006,420
Average total loans$50,210,4005,662
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2907%1,154
Cost of funding earning assets1.8056%4,361
Net interest margin4.4850%1,229
Noninterest income to average assets0.6316%3,482
Noninterest expense to average assets3.8241%1,553
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets0.8834%2,482
Return on assets (ROA)0.9281%2,381
Pretax return on assets0.9281%3,135
Return on Equity (ROE)9.1356%2,217
Retained earnings to average equity (ytd only)2.7386%3,803
Net charge-offs to loans-0.2333%7,980
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.2338%2,686
Assets per employee ($millions)2.8194%6,617
Cash dividends to net income (ytd only)*70.0223%1,260
Condition Ratios (%)
Loss allowance to loans1.5370%3,250
Loan loss allowance to noncurrent loans60.7425%4,322
Noncurrent assets plus other real estate owned to assets2.6323%2,645
Noncurrent loans to loans2.5303%2,980
Net loans and leases to total assets75.9711%1,998
Net loans and leases to deposits90.3216%2,514
Net loans and leases to core deposits103.2117%4,039
Total domestic deposits to total assets84.1118%3,670
Equity capital to assets10.3875%3,633
Core capital (leverage) ratio10.0863%3,193
Tier 1 risk-based capital ratio13.1749%4,070
Total risk-based capital ratio14.4249%4,006
Memoranda:
Average total assets$65,652,0006,187
Average earning assets$59,663,7506,181
Average equity$6,669,7506,425
Average total loans$50,871,0005,676
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3387%1,116
Cost of funding earning assets1.8883%4,326
Net interest margin4.4504%1,292
Noninterest income to average assets0.6462%3,372
Noninterest expense to average assets3.8107%1,640
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.8829%2,521
Return on assets (ROA)0.9496%2,376
Pretax return on assets0.9496%3,176
Return on Equity (ROE)9.4168%2,217
Retained earnings to average equity (ytd only)3.0988%3,591
Net charge-offs to loans-0.3402%8,079
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.1894%2,856
Assets per employee ($millions)2.8938%6,408
Cash dividends to net income (ytd only)*67.0927%1,456
Condition Ratios (%)
Loss allowance to loans1.5038%3,171
Loan loss allowance to noncurrent loans71.6822%3,854
Noncurrent assets plus other real estate owned to assets1.6076%3,805
Noncurrent loans to loans2.0978%3,383
Net loans and leases to total assets75.4800%2,321
Net loans and leases to deposits89.2803%2,938
Net loans and leases to core deposits103.2302%4,155
Total domestic deposits to total assets84.5428%3,477
Equity capital to assets10.0319%3,897
Core capital (leverage) ratio9.9831%3,316
Tier 1 risk-based capital ratio12.8125%4,281
Total risk-based capital ratio14.0596%4,197
Memoranda:
Average total assets$65,920,3306,228
Average earning assets$59,949,0006,226
Average equity$6,647,6706,479
Average total loans$51,150,0005,713
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5840%734
Cost of funding earning assets1.9585%4,336
Net interest margin4.6255%900
Noninterest income to average assets0.6951%2,919
Noninterest expense to average assets3.7011%1,655
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.2134%1,618
Return on assets (ROA)1.2134%1,726
Pretax return on assets1.2134%2,577
Return on Equity (ROE)12.0006%1,659
Retained earnings to average equity (ytd only)1.4473%5,043
Net charge-offs to loans-0.3905%8,092
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.3102%3,602
Assets per employee ($millions)2.5793%7,133
Cash dividends to net income (ytd only)*87.9397%912
Condition Ratios (%)
Loss allowance to loans1.4190%3,398
Loan loss allowance to noncurrent loans161.5044%2,008
Noncurrent assets plus other real estate owned to assets0.6740%5,479
Noncurrent loans to loans0.8786%5,256
Net loans and leases to total assets75.6267%2,357
Net loans and leases to deposits88.6148%3,174
Net loans and leases to core deposits102.8889%4,252
Total domestic deposits to total assets85.3432%3,038
Equity capital to assets9.9149%4,099
Core capital (leverage) ratio10.1340%3,257
Tier 1 risk-based capital ratio12.3986%4,618
Total risk-based capital ratio13.6466%4,542
Memoranda:
Average total assets$65,601,5006,269
Average earning assets$59,842,0006,265
Average equity$6,633,0006,534
Average total loans$51,222,5005,747
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.8349%235
Cost of funding earning assets2.1567%5,797
Net interest margin5.6782%154
Noninterest income to average assets0.5896%3,924
Noninterest expense to average assets3.7513%1,853
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets2.1150%282
Return on assets (ROA)2.1089%272
Pretax return on assets2.1089%478
Return on Equity (ROE)21.0776%299
Retained earnings to average equity (ytd only)8.3849%736
Net charge-offs to loans-0.2189%8,176
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9465%5,573
Assets per employee ($millions)2.3756%7,442
Cash dividends to net income (ytd only)*60.2190%2,656
Condition Ratios (%)
Loss allowance to loans1.3334%3,573
Loan loss allowance to noncurrent loans148.7965%2,480
Noncurrent assets plus other real estate owned to assets0.7125%5,087
Noncurrent loans to loans0.8961%4,833
Net loans and leases to total assets78.4494%2,010
Net loans and leases to deposits91.6691%3,193
Net loans and leases to core deposits105.0567%4,291
Total domestic deposits to total assets85.5789%2,594
Equity capital to assets10.3162%3,696
Core capital (leverage) ratio10.0840%3,369
Tier 1 risk-based capital ratio12.6296%4,342
Total risk-based capital ratio13.8804%4,255
Memoranda:
Average total assets$64,963,6006,193
Average earning assets$60,370,8006,156
Average equity$6,499,8006,641
Average total loans$50,711,0005,675