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First Commonwealth Bank, Performance and Condition Ratios

2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5111%2,905
Cost of funding earning assets0.7167%3,082
Net interest margin3.7945%2,514
Noninterest income to average assets1.0642%838
Noninterest expense to average assets2.5566%3,298
Loan and lease loss provision to assets0.1806%1,149
Net operating income to assets1.3879%1,380
Return on assets (ROA)1.3881%1,459
Pretax return on assets1.7266%1,118
Return on Equity (ROE)10.6849%2,012
Retained earnings to average equity (ytd only)5.3433%2,253
Net charge-offs to loans0.1776%1,136
Credit loss provision to net charge-offs136.3321%1,884
Earnings coverage of net charge-offs (x)14.3959%2,287
Efficiency ratio56.3999%4,155
Assets per employee ($millions)5.5852%1,991
Cash dividends to net income (ytd only)*49.9924%2,052
Condition Ratios (%)
Loss allowance to loans0.8322%4,210
Loan loss allowance to noncurrent loans193.0499%2,152
Noncurrent assets plus other real estate owned to assets0.3496%3,010
Noncurrent loans to loans0.4311%2,902
Net loans and leases to total assets74.2425%1,714
Net loans and leases to deposits91.8409%1,385
Net loans and leases to core deposits93.8556%2,077
Total domestic deposits to total assets80.8382%3,802
Equity capital to assets13.0148%1,510
Core capital (leverage) ratio9.6635%3,886
Tier 1 risk-based capital ratio11.3584%4,704
Total risk-based capital ratio13.6688%3,991
Memoranda:
Average total assets$8,047,782,600160
Average earning assets$7,209,476,600160
Average equity$1,045,483,200158
Average total loans$6,002,146,400157
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5479%2,901
Cost of funding earning assets0.7496%2,968
Net interest margin3.7983%2,605
Noninterest income to average assets1.0516%834
Noninterest expense to average assets2.5632%3,265
Loan and lease loss provision to assets0.1609%1,161
Net operating income to assets1.3927%1,496
Return on assets (ROA)1.3929%1,560
Pretax return on assets1.7322%1,242
Return on Equity (ROE)10.7269%2,131
Retained earnings to average equity (ytd only)5.3688%2,693
Net charge-offs to loans0.1650%1,024
Credit loss provision to net charge-offs130.8267%1,816
Earnings coverage of net charge-offs (x)15.3924%2,188
Efficiency ratio56.6912%4,095
Assets per employee ($millions)5.3820%2,144
Cash dividends to net income (ytd only)*49.9503%1,677
Condition Ratios (%)
Loss allowance to loans0.8176%4,362
Loan loss allowance to noncurrent loans170.4480%2,373
Noncurrent assets plus other real estate owned to assets0.3809%2,982
Noncurrent loans to loans0.4797%2,859
Net loans and leases to total assets74.6387%1,695
Net loans and leases to deposits90.5603%1,625
Net loans and leases to core deposits92.6189%2,306
Total domestic deposits to total assets82.4187%3,351
Equity capital to assets13.1063%1,562
Core capital (leverage) ratio9.6508%4,025
Tier 1 risk-based capital ratio11.2477%4,798
Total risk-based capital ratio13.5618%4,133
Memoranda:
Average total assets$7,987,636,500161
Average earning assets$7,159,274,500161
Average equity$1,037,176,250161
Average total loans$5,951,402,000158
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5356%2,896
Cost of funding earning assets0.7581%2,858
Net interest margin3.7775%2,659
Noninterest income to average assets1.0202%843
Noninterest expense to average assets2.5056%3,460
Loan and lease loss provision to assets0.1746%1,032
Net operating income to assets1.3906%1,458
Return on assets (ROA)1.3907%1,514
Pretax return on assets1.7315%1,212
Return on Equity (ROE)10.7448%2,078
Retained earnings to average equity (ytd only)5.3835%2,582
Net charge-offs to loans0.1233%1,208
Credit loss provision to net charge-offs190.7514%1,261
Earnings coverage of net charge-offs (x)20.8255%1,756
Efficiency ratio55.9763%4,246
Assets per employee ($millions)5.5997%1,872
Cash dividends to net income (ytd only)*49.8968%1,803
Condition Ratios (%)
Loss allowance to loans0.8483%4,271
Loan loss allowance to noncurrent loans174.6571%2,373
Noncurrent assets plus other real estate owned to assets0.3865%2,953
Noncurrent loans to loans0.4857%2,828
Net loans and leases to total assets74.1157%1,868
Net loans and leases to deposits96.5549%976
Net loans and leases to core deposits98.9708%1,808
Total domestic deposits to total assets76.7602%4,592
Equity capital to assets13.0306%1,572
Core capital (leverage) ratio9.9270%3,666
Tier 1 risk-based capital ratio11.6642%4,600
Total risk-based capital ratio14.0251%3,865
Memoranda:
Average total assets$7,939,434,000163
Average earning assets$7,127,583,000162
Average equity$1,027,622,670161
Average total loans$5,895,257,330159
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4918%2,901
Cost of funding earning assets0.7388%2,843
Net interest margin3.7529%2,699
Noninterest income to average assets0.9798%856
Noninterest expense to average assets2.4892%3,540
Loan and lease loss provision to assets0.2078%763
Net operating income to assets1.3326%1,587
Return on assets (ROA)1.3326%1,625
Pretax return on assets1.6570%1,317
Return on Equity (ROE)10.3316%2,227
Retained earnings to average equity (ytd only)5.1853%2,824
Net charge-offs to loans0.1513%871
Credit loss provision to net charge-offs185.6301%1,099
Earnings coverage of net charge-offs (x)16.6596%1,691
Efficiency ratio56.3159%4,290
Assets per employee ($millions)5.6132%1,875
Cash dividends to net income (ytd only)*49.8115%1,630
Condition Ratios (%)
Loss allowance to loans0.8443%4,370
Loan loss allowance to noncurrent loans209.7807%2,111
Noncurrent assets plus other real estate owned to assets0.3478%3,215
Noncurrent loans to loans0.4025%3,145
Net loans and leases to total assets73.3100%1,928
Net loans and leases to deposits94.7387%1,083
Net loans and leases to core deposits97.2743%1,834
Total domestic deposits to total assets77.3812%4,610
Equity capital to assets12.9119%1,506
Core capital (leverage) ratio9.8545%3,759
Tier 1 risk-based capital ratio11.6840%4,633
Total risk-based capital ratio14.0651%3,870
Memoranda:
Average total assets$7,883,001,500165
Average earning assets$7,087,554,500163
Average equity$1,016,803,000164
Average total loans$5,833,345,000160
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3107%3,069
Cost of funding earning assets0.5356%3,141
Net interest margin3.7751%2,760
Noninterest income to average assets1.0751%807
Noninterest expense to average assets2.5510%3,465
Loan and lease loss provision to assets0.1663%1,216
Net operating income to assets1.4212%1,361
Return on assets (ROA)1.5066%1,088
Pretax return on assets1.8588%797
Return on Equity (ROE)11.6833%1,828
Retained earnings to average equity (ytd only)3.2727%3,769
Net charge-offs to loans0.2340%833
Credit loss provision to net charge-offs95.9127%2,629
Earnings coverage of net charge-offs (x)11.0739%2,659
Efficiency ratio56.1354%4,388
Assets per employee ($millions)5.4783%1,977
Cash dividends to net income (ytd only)*71.9880%986
Condition Ratios (%)
Loss allowance to loans0.8255%4,449
Loan loss allowance to noncurrent loans192.1938%2,313
Noncurrent assets plus other real estate owned to assets0.3685%3,076
Noncurrent loans to loans0.4295%3,000
Net loans and leases to total assets73.4536%2,017
Net loans and leases to deposits96.9260%982
Net loans and leases to core deposits99.3235%1,775
Total domestic deposits to total assets75.7832%4,778
Equity capital to assets12.8853%1,400
Core capital (leverage) ratio9.8444%3,756
Tier 1 risk-based capital ratio11.7283%4,609
Total risk-based capital ratio14.1387%3,801
Memoranda:
Average total assets$7,537,109,400168
Average earning assets$6,779,407,800169
Average equity$971,941,600164
Average total loans$5,583,489,200163
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2561%3,129
Cost of funding earning assets0.4847%3,297
Net interest margin3.7714%2,748
Noninterest income to average assets1.0759%816
Noninterest expense to average assets2.5530%3,433
Loan and lease loss provision to assets0.1970%889
Net operating income to assets1.3977%1,502
Return on assets (ROA)1.5127%1,159
Pretax return on assets1.8580%887
Return on Equity (ROE)11.7277%1,892
Retained earnings to average equity (ytd only)5.8610%2,725
Net charge-offs to loans0.2069%820
Credit loss provision to net charge-offs128.5182%1,910
Earnings coverage of net charge-offs (x)12.4836%2,447
Efficiency ratio56.2225%4,361
Assets per employee ($millions)5.4109%2,006
Cash dividends to net income (ytd only)*50.0248%1,585
Condition Ratios (%)
Loss allowance to loans0.8948%4,286
Loan loss allowance to noncurrent loans151.7342%2,728
Noncurrent assets plus other real estate owned to assets0.4867%2,745
Noncurrent loans to loans0.5897%2,609
Net loans and leases to total assets73.3024%2,114
Net loans and leases to deposits95.0670%1,266
Net loans and leases to core deposits97.2454%1,992
Total domestic deposits to total assets77.1061%4,627
Equity capital to assets13.1446%1,274
Core capital (leverage) ratio10.0753%3,553
Tier 1 risk-based capital ratio12.1118%4,438
Total risk-based capital ratio14.6211%3,622
Memoranda:
Average total assets$7,468,371,000168
Average earning assets$6,713,297,000169
Average equity$963,275,750163
Average total loans$5,532,860,000161
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1926%3,139
Cost of funding earning assets0.4304%3,494
Net interest margin3.7623%2,703
Noninterest income to average assets1.0897%812
Noninterest expense to average assets2.5458%3,497
Loan and lease loss provision to assets0.2181%754
Net operating income to assets1.3935%1,467
Return on assets (ROA)1.5697%996
Pretax return on assets1.9212%734
Return on Equity (ROE)12.2506%1,641
Retained earnings to average equity (ytd only)6.1245%2,487
Net charge-offs to loans0.1843%854
Credit loss provision to net charge-offs159.6637%1,514
Earnings coverage of net charge-offs (x)14.0904%2,116
Efficiency ratio56.0037%4,478
Assets per employee ($millions)5.3062%2,097
Cash dividends to net income (ytd only)*50.0069%1,666
Condition Ratios (%)
Loss allowance to loans0.9087%4,305
Loan loss allowance to noncurrent loans140.8719%2,883
Noncurrent assets plus other real estate owned to assets0.5266%2,657
Noncurrent loans to loans0.6450%2,502
Net loans and leases to total assets73.3364%2,067
Net loans and leases to deposits94.4452%1,306
Net loans and leases to core deposits96.5951%2,007
Total domestic deposits to total assets77.6497%4,642
Equity capital to assets13.0901%1,260
Core capital (leverage) ratio10.0809%3,497
Tier 1 risk-based capital ratio11.8732%4,571
Total risk-based capital ratio14.3909%3,739
Memoranda:
Average total assets$7,402,066,000169
Average earning assets$6,651,116,000167
Average equity$948,423,670163
Average total loans$5,486,795,330162
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0599%3,379
Cost of funding earning assets0.3655%3,869
Net interest margin3.6944%2,823
Noninterest income to average assets1.0654%810
Noninterest expense to average assets2.5317%3,554
Loan and lease loss provision to assets0.3789%309
Net operating income to assets1.2251%1,909
Return on assets (ROA)1.3545%1,478
Pretax return on assets1.6317%1,292
Return on Equity (ROE)10.6921%2,087
Retained earnings to average equity (ytd only)5.3478%3,016
Net charge-offs to loans0.1087%1,123
Credit loss provision to net charge-offs469.9115%625
Earnings coverage of net charge-offs (x)23.0034%1,388
Efficiency ratio56.7362%4,491
Assets per employee ($millions)5.3435%2,098
Cash dividends to net income (ytd only)*49.9838%1,516
Condition Ratios (%)
Loss allowance to loans0.9967%3,987
Loan loss allowance to noncurrent loans132.6552%2,960
Noncurrent assets plus other real estate owned to assets0.5964%2,528
Noncurrent loans to loans0.7513%2,325
Net loans and leases to total assets73.1753%2,000
Net loans and leases to deposits93.2960%1,303
Net loans and leases to core deposits94.7548%2,076
Total domestic deposits to total assets78.4335%4,660
Equity capital to assets12.7045%1,381
Core capital (leverage) ratio9.5683%3,994
Tier 1 risk-based capital ratio11.2892%4,987
Total risk-based capital ratio12.2791%5,017
Memoranda:
Average total assets$7,287,929,000171
Average earning assets$6,551,352,000171
Average equity$923,225,000167
Average total loans$5,406,628,500163
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9347%3,623
Cost of funding earning assets0.2950%4,192
Net interest margin3.6397%3,027
Noninterest income to average assets1.0615%901
Noninterest expense to average assets2.7683%2,897
Loan and lease loss provision to assets0.0719%2,774
Net operating income to assets0.7998%3,158
Return on assets (ROA)0.8459%2,997
Pretax return on assets1.5658%1,399
Return on Equity (ROE)7.0396%3,256
Retained earnings to average equity (ytd only)3.0795%3,455
Net charge-offs to loans0.1341%1,716
Credit loss provision to net charge-offs72.9424%3,049
Earnings coverage of net charge-offs (x)15.8897%2,215
Efficiency ratio62.8691%3,799
Assets per employee ($millions)5.3076%2,136
Cash dividends to net income (ytd only)*56.2540%1,954
Condition Ratios (%)
Loss allowance to loans0.8907%4,519
Loan loss allowance to noncurrent loans148.4676%2,818
Noncurrent assets plus other real estate owned to assets0.4847%2,940
Noncurrent loans to loans0.6000%2,731
Net loans and leases to total assets73.7974%1,953
Net loans and leases to deposits95.9995%1,089
Net loans and leases to core deposits97.2942%1,913
Total domestic deposits to total assets76.8727%4,870
Equity capital to assets12.6312%1,440
Core capital (leverage) ratio9.3020%4,286
Tier 1 risk-based capital ratio10.9441%5,179
Total risk-based capital ratio11.8325%5,243
Memoranda:
Average total assets$7,077,523,200168
Average earning assets$6,363,362,200168
Average equity$850,423,000167
Average total loans$5,200,719,800162
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8939%3,697
Cost of funding earning assets0.2803%4,310
Net interest margin3.6136%3,098
Noninterest income to average assets1.0359%949
Noninterest expense to average assets2.7500%2,899
Loan and lease loss provision to assets0.0538%3,022
Net operating income to assets1.0265%2,431
Return on assets (ROA)1.0363%2,423
Pretax return on assets1.4969%1,778
Return on Equity (ROE)8.7401%2,750
Retained earnings to average equity (ytd only)4.3795%3,292
Net charge-offs to loans0.1255%1,528
Credit loss provision to net charge-offs58.5174%2,821
Earnings coverage of net charge-offs (x)16.7206%2,154
Efficiency ratio63.1521%3,685
Assets per employee ($millions)5.3875%2,029
Cash dividends to net income (ytd only)*49.8920%1,775
Condition Ratios (%)
Loss allowance to loans0.8933%4,599
Loan loss allowance to noncurrent loans174.0274%2,487
Noncurrent assets plus other real estate owned to assets0.4536%3,218
Noncurrent loans to loans0.5133%3,165
Net loans and leases to total assets72.6251%2,155
Net loans and leases to deposits95.9672%1,116
Net loans and leases to core deposits97.2379%1,952
Total domestic deposits to total assets75.6770%5,058
Equity capital to assets12.5442%1,637
Core capital (leverage) ratio9.2531%4,460
Tier 1 risk-based capital ratio10.8894%5,304
Total risk-based capital ratio11.7648%5,375
Memoranda:
Average total assets$7,026,408,250172
Average earning assets$6,320,655,500170
Average equity$833,078,750168
Average total loans$5,145,347,500164
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8252%3,807
Cost of funding earning assets0.2635%4,433
Net interest margin3.5617%3,178
Noninterest income to average assets1.0056%1,008
Noninterest expense to average assets2.8417%2,609
Loan and lease loss provision to assets0.0469%3,055
Net operating income to assets0.9210%2,802
Return on assets (ROA)0.9340%2,805
Pretax return on assets1.3455%2,229
Return on Equity (ROE)8.0434%3,008
Retained earnings to average equity (ytd only)4.0401%3,308
Net charge-offs to loans0.1477%1,267
Credit loss provision to net charge-offs43.3387%2,615
Earnings coverage of net charge-offs (x)12.7055%2,173
Efficiency ratio66.4423%3,275
Assets per employee ($millions)5.1604%2,202
Cash dividends to net income (ytd only)*49.7709%1,879
Condition Ratios (%)
Loss allowance to loans0.8927%4,667
Loan loss allowance to noncurrent loans163.9449%2,616
Noncurrent assets plus other real estate owned to assets0.4795%3,175
Noncurrent loans to loans0.5445%3,113
Net loans and leases to total assets72.5197%2,120
Net loans and leases to deposits96.2372%1,050
Net loans and leases to core deposits97.3841%1,862
Total domestic deposits to total assets75.3551%5,162
Equity capital to assets12.3800%1,684
Core capital (leverage) ratio9.2151%4,472
Tier 1 risk-based capital ratio10.7872%5,346
Total risk-based capital ratio11.6571%5,430
Memoranda:
Average total assets$6,915,418,330171
Average earning assets$6,231,800,670170
Average equity$803,047,000172
Average total loans$5,062,820,000166
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7073%4,102
Cost of funding earning assets0.2407%4,630
Net interest margin3.4666%3,399
Noninterest income to average assets0.9945%1,016
Noninterest expense to average assets2.4960%3,824
Loan and lease loss provision to assets0.1930%865
Net operating income to assets1.0005%2,299
Return on assets (ROA)1.0273%2,231
Pretax return on assets1.4807%1,600
Return on Equity (ROE)9.1805%2,324
Retained earnings to average equity (ytd only)4.5999%3,124
Net charge-offs to loans0.3866%475
Credit loss provision to net charge-offs68.1511%1,855
Earnings coverage of net charge-offs (x)5.7737%2,258
Efficiency ratio59.5978%4,514
Assets per employee ($millions)5.3071%2,070
Cash dividends to net income (ytd only)*49.8953%1,682
Condition Ratios (%)
Loss allowance to loans0.9898%4,348
Loan loss allowance to noncurrent loans128.0846%3,153
Noncurrent assets plus other real estate owned to assets0.6658%2,634
Noncurrent loans to loans0.7728%2,535
Net loans and leases to total assets72.1808%2,049
Net loans and leases to deposits97.7274%788
Net loans and leases to core deposits98.8471%1,596
Total domestic deposits to total assets73.8593%5,426
Equity capital to assets11.1757%2,450
Core capital (leverage) ratio8.7931%4,961
Tier 1 risk-based capital ratio10.1284%5,670
Total risk-based capital ratio11.0634%5,714
Memoranda:
Average total assets$6,693,795,500175
Average earning assets$6,055,727,000174
Average equity$749,067,500178
Average total loans$4,901,955,500171
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6262%4,444
Cost of funding earning assets0.2659%4,406
Net interest margin3.3602%3,962
Noninterest income to average assets0.9778%1,205
Noninterest expense to average assets2.3539%4,409
Loan and lease loss provision to assets0.2781%721
Net operating income to assets0.9578%2,544
Return on assets (ROA)0.9641%2,621
Pretax return on assets1.3868%1,996
Return on Equity (ROE)8.8912%2,473
Retained earnings to average equity (ytd only)1.1992%4,809
Net charge-offs to loans0.3963%665
Credit loss provision to net charge-offs96.7185%2,667
Earnings coverage of net charge-offs (x)5.7581%3,292
Efficiency ratio58.4990%4,793
Assets per employee ($millions)5.2137%2,156
Cash dividends to net income (ytd only)*86.5122%690
Condition Ratios (%)
Loss allowance to loans1.0270%4,149
Loan loss allowance to noncurrent loans166.4290%2,605
Noncurrent assets plus other real estate owned to assets0.5564%3,061
Noncurrent loans to loans0.6171%3,003
Net loans and leases to total assets72.8098%2,038
Net loans and leases to deposits97.1495%900
Net loans and leases to core deposits98.3143%1,749
Total domestic deposits to total assets74.9462%5,361
Equity capital to assets11.2054%2,414
Core capital (leverage) ratio8.7861%4,982
Tier 1 risk-based capital ratio10.0853%5,714
Total risk-based capital ratio11.0582%5,753
Memoranda:
Average total assets$6,644,332,200169
Average earning assets$5,995,301,600170
Average equity$720,467,800174
Average total loans$4,820,861,800163
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5919%4,579
Cost of funding earning assets0.2718%4,365
Net interest margin3.3201%4,130
Noninterest income to average assets0.9494%1,256
Noninterest expense to average assets2.2444%4,662
Loan and lease loss provision to assets0.4074%353
Net operating income to assets0.9042%2,883
Return on assets (ROA)0.9044%3,023
Pretax return on assets1.2936%2,448
Return on Equity (ROE)8.4106%2,808
Retained earnings to average equity (ytd only)-0.1409%5,378
Net charge-offs to loans0.4547%464
Credit loss provision to net charge-offs123.9380%2,044
Earnings coverage of net charge-offs (x)5.1735%3,164
Efficiency ratio56.7281%4,989
Assets per employee ($millions)5.6179%1,747
Cash dividends to net income (ytd only)*101.6751%367
Condition Ratios (%)
Loss allowance to loans1.1243%3,705
Loan loss allowance to noncurrent loans127.6357%3,125
Noncurrent assets plus other real estate owned to assets0.7635%2,641
Noncurrent loans to loans0.8808%2,497
Net loans and leases to total assets72.6774%2,069
Net loans and leases to deposits107.2600%331
Net loans and leases to core deposits108.6079%1,010
Total domestic deposits to total assets67.7582%5,772
Equity capital to assets11.3027%2,701
Core capital (leverage) ratio8.9515%4,880
Tier 1 risk-based capital ratio10.4164%5,651
Total risk-based capital ratio11.4681%5,669
Memoranda:
Average total assets$6,644,857,500170
Average earning assets$5,995,762,000170
Average equity$714,512,000176
Average total loans$4,804,482,250163
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5736%4,670
Cost of funding earning assets0.2678%4,467
Net interest margin3.3057%4,210
Noninterest income to average assets0.8981%1,380
Noninterest expense to average assets2.2232%4,795
Loan and lease loss provision to assets0.5081%255
Net operating income to assets0.8021%3,300
Return on assets (ROA)0.8025%3,437
Pretax return on assets1.1463%2,997
Return on Equity (ROE)7.5917%3,211
Retained earnings to average equity (ytd only)-2.9991%5,631
Net charge-offs to loans0.3299%713
Credit loss provision to net charge-offs214.1970%1,246
Earnings coverage of net charge-offs (x)6.9721%2,684
Efficiency ratio57.1492%5,009
Assets per employee ($millions)5.7643%1,574
Cash dividends to net income (ytd only)*139.5054%242
Condition Ratios (%)
Loss allowance to loans1.2321%3,176
Loan loss allowance to noncurrent loans120.9507%3,316
Noncurrent assets plus other real estate owned to assets0.8624%2,440
Noncurrent loans to loans1.0186%2,249
Net loans and leases to total assets71.2272%2,297
Net loans and leases to deposits108.8590%279
Net loans and leases to core deposits110.2133%924
Total domestic deposits to total assets65.4307%5,904
Equity capital to assets10.5900%3,541
Core capital (leverage) ratio9.3324%4,418
Tier 1 risk-based capital ratio10.5472%5,655
Total risk-based capital ratio11.6441%5,641
Memoranda:
Average total assets$6,651,993,000169
Average earning assets$5,994,072,000168
Average equity$703,140,000176
Average total loans$4,783,147,330164
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5787%4,679
Cost of funding earning assets0.2627%4,580
Net interest margin3.3160%4,163
Noninterest income to average assets0.8514%1,436
Noninterest expense to average assets2.2709%4,740
Loan and lease loss provision to assets0.3948%353
Net operating income to assets0.8158%3,167
Return on assets (ROA)0.8156%3,292
Pretax return on assets1.1737%2,805
Return on Equity (ROE)7.7232%3,076
Retained earnings to average equity (ytd only)1.3022%4,738
Net charge-offs to loans0.1783%1,080
Credit loss provision to net charge-offs308.4121%834
Earnings coverage of net charge-offs (x)12.2538%1,808
Efficiency ratio58.9279%4,882
Assets per employee ($millions)5.4913%1,836
Cash dividends to net income (ytd only)*83.1392%952
Condition Ratios (%)
Loss allowance to loans1.1494%3,770
Loan loss allowance to noncurrent loans114.6493%3,328
Noncurrent assets plus other real estate owned to assets0.8507%2,564
Noncurrent loans to loans1.0025%2,378
Net loans and leases to total assets71.1258%2,170
Net loans and leases to deposits110.0510%227
Net loans and leases to core deposits111.5881%775
Total domestic deposits to total assets64.6299%5,989
Equity capital to assets10.5304%3,453
Core capital (leverage) ratio9.3605%4,409
Tier 1 risk-based capital ratio10.5574%5,726
Total risk-based capital ratio11.5964%5,733
Memoranda:
Average total assets$6,611,614,000171
Average earning assets$5,958,049,500170
Average equity$698,212,000177
Average total loans$4,747,036,500165
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5579%4,783
Cost of funding earning assets0.2311%5,003
Net interest margin3.3268%4,191
Noninterest income to average assets0.9513%1,318
Noninterest expense to average assets2.4877%4,266
Loan and lease loss provision to assets0.2346%833
Net operating income to assets0.8538%3,090
Return on assets (ROA)0.8520%3,177
Pretax return on assets1.2177%2,599
Return on Equity (ROE)7.9052%3,003
Retained earnings to average equity (ytd only)0.6477%5,251
Net charge-offs to loans0.3569%831
Credit loss provision to net charge-offs92.3457%2,714
Earnings coverage of net charge-offs (x)5.7268%3,335
Efficiency ratio62.8577%4,467
Assets per employee ($millions)5.1746%2,149
Cash dividends to net income (ytd only)*91.8062%564
Condition Ratios (%)
Loss allowance to loans1.0835%4,126
Loan loss allowance to noncurrent loans127.2782%3,128
Noncurrent assets plus other real estate owned to assets0.7535%2,799
Noncurrent loans to loans0.8513%2,659
Net loans and leases to total assets70.8648%2,229
Net loans and leases to deposits110.2818%234
Net loans and leases to core deposits112.0886%766
Total domestic deposits to total assets64.2579%6,045
Equity capital to assets10.5910%3,262
Core capital (leverage) ratio9.4599%4,236
Tier 1 risk-based capital ratio10.7872%5,631
Total risk-based capital ratio11.7791%5,679
Memoranda:
Average total assets$6,371,717,000166
Average earning assets$5,729,022,600162
Average equity$686,704,200171
Average total loans$4,534,818,600164
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5519%4,862
Cost of funding earning assets0.2284%5,107
Net interest margin3.3235%4,244
Noninterest income to average assets0.9640%1,279
Noninterest expense to average assets2.4662%4,295
Loan and lease loss provision to assets0.1858%1,110
Net operating income to assets0.9100%2,914
Return on assets (ROA)0.9117%2,996
Pretax return on assets1.3020%2,392
Return on Equity (ROE)8.4214%2,861
Retained earnings to average equity (ytd only)-0.3260%5,665
Net charge-offs to loans0.3663%710
Credit loss provision to net charge-offs71.3950%2,739
Earnings coverage of net charge-offs (x)5.7077%3,165
Efficiency ratio62.1621%4,549
Assets per employee ($millions)5.0408%2,257
Cash dividends to net income (ytd only)*103.8710%327
Condition Ratios (%)
Loss allowance to loans1.0592%4,428
Loan loss allowance to noncurrent loans157.2350%2,716
Noncurrent assets plus other real estate owned to assets0.6503%3,306
Noncurrent loans to loans0.6736%3,306
Net loans and leases to total assets71.1881%2,196
Net loans and leases to deposits108.5333%289
Net loans and leases to core deposits110.7786%834
Total domestic deposits to total assets65.5910%6,101
Equity capital to assets10.9077%3,119
Core capital (leverage) ratio9.7041%4,029
Tier 1 risk-based capital ratio10.9940%5,662
Total risk-based capital ratio11.9553%5,727
Memoranda:
Average total assets$6,328,192,000166
Average earning assets$5,688,583,250161
Average equity$685,063,000173
Average total loans$4,496,150,750164
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5602%4,833
Cost of funding earning assets0.2295%5,153
Net interest margin3.3307%4,167
Noninterest income to average assets0.9464%1,310
Noninterest expense to average assets2.4564%4,376
Loan and lease loss provision to assets0.1329%1,649
Net operating income to assets0.9405%2,685
Return on assets (ROA)0.9431%2,791
Pretax return on assets1.3557%2,164
Return on Equity (ROE)8.7342%2,684
Retained earnings to average equity (ytd only)-2.6384%5,882
Net charge-offs to loans0.4881%513
Credit loss provision to net charge-offs38.4905%2,836
Earnings coverage of net charge-offs (x)4.2999%3,060
Efficiency ratio62.0750%4,671
Assets per employee ($millions)4.8860%2,417
Cash dividends to net income (ytd only)*130.2072%262
Condition Ratios (%)
Loss allowance to loans1.0075%4,832
Loan loss allowance to noncurrent loans131.7412%3,078
Noncurrent assets plus other real estate owned to assets0.6503%3,465
Noncurrent loans to loans0.7648%3,201
Net loans and leases to total assets70.7403%2,201
Net loans and leases to deposits105.4871%392
Net loans and leases to core deposits108.2772%936
Total domestic deposits to total assets67.0606%6,144
Equity capital to assets10.8288%3,078
Core capital (leverage) ratio9.5697%4,180
Tier 1 risk-based capital ratio10.9906%5,713
Total risk-based capital ratio11.9038%5,799
Memoranda:
Average total assets$6,315,428,330165
Average earning assets$5,678,424,670162
Average equity$681,938,330174
Average total loans$4,467,968,330164
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5895%4,723
Cost of funding earning assets0.2331%5,186
Net interest margin3.3564%3,998
Noninterest income to average assets0.9068%1,366
Noninterest expense to average assets2.4802%4,323
Loan and lease loss provision to assets0.0733%2,472
Net operating income to assets0.9503%2,509
Return on assets (ROA)0.9547%2,617
Pretax return on assets1.3787%1,965
Return on Equity (ROE)8.8541%2,522
Retained earnings to average equity (ytd only)-9.8988%6,133
Net charge-offs to loans0.5852%422
Credit loss provision to net charge-offs17.7952%2,379
Earnings coverage of net charge-offs (x)3.5090%2,596
Efficiency ratio62.9272%4,634
Assets per employee ($millions)4.8580%2,547
Cash dividends to net income (ytd only)*211.7994%209
Condition Ratios (%)
Loss allowance to loans1.0509%4,756
Loan loss allowance to noncurrent loans114.3946%3,377
Noncurrent assets plus other real estate owned to assets0.7582%3,214
Noncurrent loans to loans0.9187%2,946
Net loans and leases to total assets69.6735%2,184
Net loans and leases to deposits101.9963%455
Net loans and leases to core deposits106.0767%934
Total domestic deposits to total assets68.3098%6,189
Equity capital to assets10.7287%3,292
Core capital (leverage) ratio9.4439%4,362
Tier 1 risk-based capital ratio10.8273%5,890
Total risk-based capital ratio11.7604%5,953
Memoranda:
Average total assets$6,324,085,500164
Average earning assets$5,688,379,000161
Average equity$681,901,500172
Average total loans$4,451,628,500161
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5993%5,082
Cost of funding earning assets0.2881%4,920
Net interest margin3.3112%4,531
Noninterest income to average assets0.9520%1,340
Noninterest expense to average assets2.6550%4,026
Loan and lease loss provision to assets0.1789%1,438
Net operating income to assets0.7721%3,508
Return on assets (ROA)0.7781%3,571
Pretax return on assets1.0960%3,102
Return on Equity (ROE)7.1875%3,525
Retained earnings to average equity (ytd only)0.1222%5,719
Net charge-offs to loans0.3075%1,432
Credit loss provision to net charge-offs83.7397%2,788
Earnings coverage of net charge-offs (x)5.9276%3,317
Efficiency ratio67.4501%3,994
Assets per employee ($millions)4.7723%2,631
Cash dividends to net income (ytd only)*98.2998%385
Condition Ratios (%)
Loss allowance to loans1.1671%4,184
Loan loss allowance to noncurrent loans114.9384%3,407
Noncurrent assets plus other real estate owned to assets0.8281%3,140
Noncurrent loans to loans1.0154%2,793
Net loans and leases to total assets69.5486%2,297
Net loans and leases to deposits101.8807%518
Net loans and leases to core deposits107.9929%890
Total domestic deposits to total assets68.2648%6,257
Equity capital to assets10.8363%3,075
Core capital (leverage) ratio9.6605%4,025
Tier 1 risk-based capital ratio11.4112%5,711
Total risk-based capital ratio12.4732%5,732
Memoranda:
Average total assets$6,258,652,200161
Average earning assets$5,612,271,400161
Average equity$677,576,000166
Average total loans$4,348,546,200158
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6162%5,105
Cost of funding earning assets0.2976%4,908
Net interest margin3.3186%4,542
Noninterest income to average assets0.9821%1,278
Noninterest expense to average assets2.5594%4,321
Loan and lease loss provision to assets0.1842%1,327
Net operating income to assets0.8523%3,166
Return on assets (ROA)0.8532%3,255
Pretax return on assets1.2135%2,722
Return on Equity (ROE)7.8832%3,274
Retained earnings to average equity (ytd only)-0.6510%5,900
Net charge-offs to loans0.3722%1,076
Credit loss provision to net charge-offs71.4724%2,743
Earnings coverage of net charge-offs (x)5.4178%3,264
Efficiency ratio64.4107%4,481
Assets per employee ($millions)4.5605%2,867
Cash dividends to net income (ytd only)*108.2578%284
Condition Ratios (%)
Loss allowance to loans1.1508%4,496
Loan loss allowance to noncurrent loans139.2563%2,898
Noncurrent assets plus other real estate owned to assets0.6986%3,720
Noncurrent loans to loans0.8264%3,509
Net loans and leases to total assets68.9100%2,386
Net loans and leases to deposits99.5916%635
Net loans and leases to core deposits106.5263%924
Total domestic deposits to total assets69.1926%6,311
Equity capital to assets10.7024%3,297
Core capital (leverage) ratio9.5832%4,270
Tier 1 risk-based capital ratio11.3987%5,838
Total risk-based capital ratio12.4426%5,862
Memoranda:
Average total assets$6,238,907,750162
Average earning assets$5,590,625,250161
Average equity$675,279,500167
Average total loans$4,320,736,000158
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6172%5,100
Cost of funding earning assets0.3071%4,903
Net interest margin3.3101%4,547
Noninterest income to average assets0.9824%1,250
Noninterest expense to average assets2.5447%4,439
Loan and lease loss provision to assets0.2109%1,124
Net operating income to assets0.8481%3,083
Return on assets (ROA)0.8483%3,187
Pretax return on assets1.1918%2,691
Return on Equity (ROE)7.8075%3,201
Retained earnings to average equity (ytd only)-0.2037%5,718
Net charge-offs to loans0.4684%864
Credit loss provision to net charge-offs65.1672%2,553
Earnings coverage of net charge-offs (x)4.3332%3,131
Efficiency ratio64.1768%4,663
Assets per employee ($millions)4.5413%2,860
Cash dividends to net income (ytd only)*102.6089%500
Condition Ratios (%)
Loss allowance to loans1.1703%4,566
Loan loss allowance to noncurrent loans133.0282%2,957
Noncurrent assets plus other real estate owned to assets0.7326%3,774
Noncurrent loans to loans0.8798%3,501
Net loans and leases to total assets68.3001%2,372
Net loans and leases to deposits95.6969%821
Net loans and leases to core deposits102.0544%1,131
Total domestic deposits to total assets71.3713%6,294
Equity capital to assets10.9015%2,978
Core capital (leverage) ratio9.8706%3,780
Tier 1 risk-based capital ratio11.9048%5,594
Total risk-based capital ratio12.9827%5,621
Memoranda:
Average total assets$6,208,556,670163
Average earning assets$5,561,105,330160
Average equity$674,553,670167
Average total loans$4,290,060,670157
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6483%5,011
Cost of funding earning assets0.3127%4,944
Net interest margin3.3356%4,394
Noninterest income to average assets0.8919%1,419
Noninterest expense to average assets2.4812%4,682
Loan and lease loss provision to assets0.2092%1,097
Net operating income to assets0.8557%2,871
Return on assets (ROA)0.8559%2,940
Pretax return on assets1.1900%2,526
Return on Equity (ROE)7.8909%2,981
Retained earnings to average equity (ytd only)-4.6735%6,101
Net charge-offs to loans0.2765%1,240
Credit loss provision to net charge-offs109.5254%1,543
Earnings coverage of net charge-offs (x)7.3237%2,125
Efficiency ratio63.6471%4,914
Assets per employee ($millions)4.6394%2,743
Cash dividends to net income (ytd only)*159.2268%357
Condition Ratios (%)
Loss allowance to loans1.2818%4,216
Loan loss allowance to noncurrent loans113.2475%3,331
Noncurrent assets plus other real estate owned to assets0.9427%3,369
Noncurrent loans to loans1.1319%3,156
Net loans and leases to total assets67.9789%2,221
Net loans and leases to deposits90.0406%1,146
Net loans and leases to core deposits98.1065%1,229
Total domestic deposits to total assets75.4980%6,118
Equity capital to assets10.8521%2,877
Core capital (leverage) ratio9.6525%4,059
Tier 1 risk-based capital ratio11.8458%5,728
Total risk-based capital ratio13.0150%5,716
Memoranda:
Average total assets$6,177,070,000163
Average earning assets$5,534,037,000160
Average equity$669,986,000169
Average total loans$4,267,996,500156
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7916%4,845
Cost of funding earning assets0.3417%5,227
Net interest margin3.4498%4,100
Noninterest income to average assets0.9994%1,396
Noninterest expense to average assets2.6754%4,194
Loan and lease loss provision to assets0.3162%1,053
Net operating income to assets0.7835%3,374
Return on assets (ROA)0.7672%3,552
Pretax return on assets1.0698%3,072
Return on Equity (ROE)6.8885%3,629
Retained earnings to average equity (ytd only)-2.7058%6,243
Net charge-offs to loans0.7600%832
Credit loss provision to net charge-offs59.7316%3,573
Earnings coverage of net charge-offs (x)2.6609%4,105
Efficiency ratio65.0784%4,717
Assets per employee ($millions)4.5468%2,828
Cash dividends to net income (ytd only)*139.2792%174
Condition Ratios (%)
Loss allowance to loans1.2658%4,316
Loan loss allowance to noncurrent loans112.0513%3,317
Noncurrent assets plus other real estate owned to assets0.9730%3,474
Noncurrent loans to loans1.1297%3,284
Net loans and leases to total assets68.4491%2,274
Net loans and leases to deposits91.6905%1,093
Net loans and leases to core deposits99.1140%1,228
Total domestic deposits to total assets74.6523%6,234
Equity capital to assets10.8405%2,772
Core capital (leverage) ratio9.7455%3,920
Tier 1 risk-based capital ratio11.7058%5,803
Total risk-based capital ratio12.8644%5,784
Memoranda:
Average total assets$6,079,900,200160
Average earning assets$5,436,616,800154
Average equity$677,109,200161
Average total loans$4,235,392,000154
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8152%4,796
Cost of funding earning assets0.3487%5,306
Net interest margin3.4665%4,030
Noninterest income to average assets1.0210%1,394
Noninterest expense to average assets2.6063%4,369
Loan and lease loss provision to assets0.3966%767
Net operating income to assets0.8061%3,314
Return on assets (ROA)0.8064%3,442
Pretax return on assets1.1172%3,034
Return on Equity (ROE)7.1918%3,543
Retained earnings to average equity (ytd only)-4.6983%6,479
Net charge-offs to loans0.9547%600
Credit loss provision to net charge-offs59.5582%3,312
Earnings coverage of net charge-offs (x)2.2729%4,085
Efficiency ratio62.8099%5,013
Assets per employee ($millions)4.4564%2,944
Cash dividends to net income (ytd only)*165.3286%107
Condition Ratios (%)
Loss allowance to loans1.2962%4,411
Loan loss allowance to noncurrent loans88.2234%3,803
Noncurrent assets plus other real estate owned to assets1.1768%3,302
Noncurrent loans to loans1.4692%2,965
Net loans and leases to total assets68.4484%2,232
Net loans and leases to deposits90.4147%1,121
Net loans and leases to core deposits97.8400%1,253
Total domestic deposits to total assets75.7049%6,202
Equity capital to assets10.8832%2,882
Core capital (leverage) ratio9.5009%4,404
Tier 1 risk-based capital ratio11.5526%6,032
Total risk-based capital ratio12.7314%6,031
Memoranda:
Average total assets$6,055,084,750155
Average earning assets$5,412,967,000152
Average equity$678,922,750159
Average total loans$4,223,288,500151
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8028%4,823
Cost of funding earning assets0.3581%5,331
Net interest margin3.4447%4,021
Noninterest income to average assets0.9877%1,565
Noninterest expense to average assets2.6369%4,260
Loan and lease loss provision to assets0.5069%532
Net operating income to assets0.6623%4,008
Return on assets (ROA)0.6626%4,158
Pretax return on assets0.9245%3,811
Return on Equity (ROE)5.8511%4,252
Retained earnings to average equity (ytd only)-9.6528%6,655
Net charge-offs to loans1.1870%491
Credit loss provision to net charge-offs61.1098%2,997
Earnings coverage of net charge-offs (x)1.7252%3,957
Efficiency ratio64.2869%4,832
Assets per employee ($millions)4.3945%2,999
Cash dividends to net income (ytd only)*264.9745%57
Condition Ratios (%)
Loss allowance to loans1.3583%4,221
Loan loss allowance to noncurrent loans92.7618%3,628
Noncurrent assets plus other real estate owned to assets1.2685%3,224
Noncurrent loans to loans1.4643%3,114
Net loans and leases to total assets68.2555%2,187
Net loans and leases to deposits87.8863%1,349
Net loans and leases to core deposits96.1804%1,340
Total domestic deposits to total assets77.6634%6,039
Equity capital to assets10.7799%2,965
Core capital (leverage) ratio9.4840%4,272
Tier 1 risk-based capital ratio11.4795%6,121
Total risk-based capital ratio12.6985%6,099
Memoranda:
Average total assets$6,035,404,670153
Average earning assets$5,396,860,670151
Average equity$683,427,000158
Average total loans$4,217,725,670149
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8570%4,625
Cost of funding earning assets0.3699%5,372
Net interest margin3.4871%3,756
Noninterest income to average assets0.9997%1,460
Noninterest expense to average assets2.6822%4,138
Loan and lease loss provision to assets0.3000%1,157
Net operating income to assets0.8182%3,058
Return on assets (ROA)0.8184%3,200
Pretax return on assets1.1369%2,831
Return on Equity (ROE)7.0551%3,461
Retained earnings to average equity (ytd only)-15.6949%6,764
Net charge-offs to loans0.8948%678
Credit loss provision to net charge-offs47.7287%2,635
Earnings coverage of net charge-offs (x)2.2859%3,084
Efficiency ratio64.5387%4,915
Assets per employee ($millions)4.3894%3,170
Cash dividends to net income (ytd only)*322.4613%77
Condition Ratios (%)
Loss allowance to loans1.4758%3,913
Loan loss allowance to noncurrent loans91.4703%3,593
Noncurrent assets plus other real estate owned to assets1.3061%3,353
Noncurrent loans to loans1.6135%3,119
Net loans and leases to total assets68.7186%1,886
Net loans and leases to deposits87.3017%1,213
Net loans and leases to core deposits95.4419%1,235
Total domestic deposits to total assets78.7140%6,009
Equity capital to assets11.2624%2,664
Core capital (leverage) ratio9.9367%3,483
Tier 1 risk-based capital ratio11.7553%6,062
Total risk-based capital ratio13.0062%6,037
Memoranda:
Average total assets$5,996,744,000157
Average earning assets$5,363,826,000156
Average equity$695,667,500158
Average total loans$4,211,727,000152
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1790%4,665
Cost of funding earning assets0.4665%5,445
Net interest margin3.7125%3,593
Noninterest income to average assets0.9858%1,572
Noninterest expense to average assets2.7869%4,076
Loan and lease loss provision to assets0.3490%1,914
Net operating income to assets0.8330%3,126
Return on assets (ROA)0.8354%3,370
Pretax return on assets1.1562%2,964
Return on Equity (ROE)6.7234%3,802
Retained earnings to average equity (ytd only)-2.0476%6,164
Net charge-offs to loans0.3512%2,879
Credit loss provision to net charge-offs140.7991%1,954
Earnings coverage of net charge-offs (x)6.0600%2,881
Efficiency ratio64.3992%4,814
Assets per employee ($millions)4.2738%3,410
Cash dividends to net income (ytd only)*130.4549%282
Condition Ratios (%)
Loss allowance to loans1.5979%3,323
Loan loss allowance to noncurrent loans69.2899%4,286
Noncurrent assets plus other real estate owned to assets1.8205%2,686
Noncurrent loans to loans2.3061%2,345
Net loans and leases to total assets69.5974%1,921
Net loans and leases to deposits90.3791%1,046
Net loans and leases to core deposits94.1161%1,457
Total domestic deposits to total assets77.0061%6,221
Equity capital to assets11.9450%2,079
Core capital (leverage) ratio10.6444%2,607
Tier 1 risk-based capital ratio12.4939%5,486
Total risk-based capital ratio13.7461%5,434
Memoranda:
Average total assets$5,887,128,000156
Average earning assets$5,237,850,800155
Average equity$731,488,400152
Average total loans$4,154,418,400147
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2128%4,772
Cost of funding earning assets0.4893%5,512
Net interest margin3.7235%3,686
Noninterest income to average assets1.0665%1,329
Noninterest expense to average assets2.8221%3,904
Loan and lease loss provision to assets0.3369%1,941
Net operating income to assets0.8810%3,074
Return on assets (ROA)0.8839%3,297
Pretax return on assets1.2238%2,899
Return on Equity (ROE)7.0448%3,780
Retained earnings to average equity (ytd only)2.9607%4,778
Net charge-offs to loans0.3849%2,553
Credit loss provision to net charge-offs124.0843%2,330
Earnings coverage of net charge-offs (x)5.7342%2,940
Efficiency ratio63.8733%4,823
Assets per employee ($millions)4.2007%3,469
Cash dividends to net income (ytd only)*57.9729%1,356
Condition Ratios (%)
Loss allowance to loans1.5214%3,858
Loan loss allowance to noncurrent loans71.4537%4,160
Noncurrent assets plus other real estate owned to assets1.7891%2,931
Noncurrent loans to loans2.1291%2,694
Net loans and leases to total assets70.2188%1,870
Net loans and leases to deposits92.1513%958
Net loans and leases to core deposits96.6624%1,357
Total domestic deposits to total assets76.1995%6,358
Equity capital to assets12.6090%1,819
Core capital (leverage) ratio11.2187%2,201
Tier 1 risk-based capital ratio13.0745%5,188
Total risk-based capital ratio14.3257%5,144
Memoranda:
Average total assets$5,872,689,500158
Average earning assets$5,224,162,500157
Average equity$736,831,500153
Average total loans$4,141,854,750145
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2694%4,688
Cost of funding earning assets0.5131%5,530
Net interest margin3.7562%3,559
Noninterest income to average assets1.0054%1,451
Noninterest expense to average assets2.7519%4,212
Loan and lease loss provision to assets0.2759%2,380
Net operating income to assets0.9433%2,693
Return on assets (ROA)0.9435%2,951
Pretax return on assets1.3177%2,494
Return on Equity (ROE)7.5324%3,488
Retained earnings to average equity (ytd only)4.0965%3,880
Net charge-offs to loans0.3712%2,536
Credit loss provision to net charge-offs105.7838%2,574
Earnings coverage of net charge-offs (x)6.1095%2,696
Efficiency ratio62.7472%5,123
Assets per employee ($millions)4.1312%3,603
Cash dividends to net income (ytd only)*45.6140%1,935
Condition Ratios (%)
Loss allowance to loans1.4828%4,094
Loan loss allowance to noncurrent loans69.0823%4,241
Noncurrent assets plus other real estate owned to assets1.8391%2,984
Noncurrent loans to loans2.1464%2,770
Net loans and leases to total assets69.5114%2,007
Net loans and leases to deposits91.5412%997
Net loans and leases to core deposits94.5557%1,546
Total domestic deposits to total assets75.9345%6,472
Equity capital to assets12.5828%1,762
Core capital (leverage) ratio11.2794%2,061
Tier 1 risk-based capital ratio13.2652%4,991
Total risk-based capital ratio14.5160%4,958
Memoranda:
Average total assets$5,860,147,000157
Average earning assets$5,210,707,670157
Average equity$734,032,330151
Average total loans$4,117,717,000144
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3548%4,500
Cost of funding earning assets0.5390%5,559
Net interest margin3.8158%3,311
Noninterest income to average assets0.9442%1,585
Noninterest expense to average assets2.7770%4,132
Loan and lease loss provision to assets0.2593%2,385
Net operating income to assets0.9314%2,783
Return on assets (ROA)0.9313%2,987
Pretax return on assets1.3011%2,533
Return on Equity (ROE)7.4521%3,529
Retained earnings to average equity (ytd only)4.0435%4,164
Net charge-offs to loans0.4188%2,050
Credit loss provision to net charge-offs88.2956%2,577
Earnings coverage of net charge-offs (x)5.3143%2,398
Efficiency ratio63.4383%5,030
Assets per employee ($millions)5.5147%1,682
Cash dividends to net income (ytd only)*45.7399%1,585
Condition Ratios (%)
Loss allowance to loans1.4682%4,301
Loan loss allowance to noncurrent loans64.4050%4,298
Noncurrent assets plus other real estate owned to assets1.9578%2,964
Noncurrent loans to loans2.2796%2,820
Net loans and leases to total assets69.0103%1,945
Net loans and leases to deposits87.8991%1,181
Net loans and leases to core deposits91.7737%1,674
Total domestic deposits to total assets78.5108%6,185
Equity capital to assets12.4336%1,764
Core capital (leverage) ratio11.2895%2,038
Tier 1 risk-based capital ratio12.9454%5,252
Total risk-based capital ratio14.1958%5,222
Memoranda:
Average total assets$5,842,628,000155
Average earning assets$5,195,640,000156
Average equity$730,159,000150
Average total loans$4,096,826,000142
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6001%4,678
Cost of funding earning assets0.7175%5,418
Net interest margin3.8826%3,415
Noninterest income to average assets0.7654%2,261
Noninterest expense to average assets2.6718%4,847
Loan and lease loss provision to assets0.9806%971
Net operating income to assets0.4436%4,676
Return on assets (ROA)0.4697%4,748
Pretax return on assets0.5744%4,768
Return on Equity (ROE)3.7211%4,986
Retained earnings to average equity (ytd only)2.3250%4,560
Net charge-offs to loans1.6197%968
Credit loss provision to net charge-offs84.8126%4,247
Earnings coverage of net charge-offs (x)1.3174%4,789
Efficiency ratio63.0487%5,288
Assets per employee ($millions)5.3609%1,766
Cash dividends to net income (ytd only)*37.5173%2,734
Condition Ratios (%)
Loss allowance to loans1.5093%3,974
Loan loss allowance to noncurrent loans59.5065%4,536
Noncurrent assets plus other real estate owned to assets2.3003%2,623
Noncurrent loans to loans2.5364%2,588
Net loans and leases to total assets69.1427%2,194
Net loans and leases to deposits88.5667%1,311
Net loans and leases to core deposits91.6900%1,921
Total domestic deposits to total assets78.0685%6,178
Equity capital to assets12.5620%1,767
Core capital (leverage) ratio11.4439%1,935
Tier 1 risk-based capital ratio12.8835%5,167
Total risk-based capital ratio14.1339%5,140
Memoranda:
Average total assets$5,691,981,200156
Average earning assets$5,027,894,800154
Average equity$718,532,800149
Average total loans$4,063,165,800140
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6585%4,644
Cost of funding earning assets0.7630%5,376
Net interest margin3.8955%3,402
Noninterest income to average assets0.7777%2,155
Noninterest expense to average assets2.6454%4,922
Loan and lease loss provision to assets0.7032%1,364
Net operating income to assets0.6495%3,875
Return on assets (ROA)0.6814%3,879
Pretax return on assets0.9097%3,723
Return on Equity (ROE)5.3912%4,340
Retained earnings to average equity (ytd only)3.9785%3,886
Net charge-offs to loans0.9518%1,694
Credit loss provision to net charge-offs103.0604%3,231
Earnings coverage of net charge-offs (x)2.3016%3,980
Efficiency ratio62.1013%5,392
Assets per employee ($millions)5.1017%2,065
Cash dividends to net income (ytd only)*26.2052%2,656
Condition Ratios (%)
Loss allowance to loans1.8149%2,886
Loan loss allowance to noncurrent loans51.5305%4,914
Noncurrent assets plus other real estate owned to assets3.0948%2,065
Noncurrent loans to loans3.5219%1,954
Net loans and leases to total assets69.7139%2,137
Net loans and leases to deposits86.8472%1,570
Net loans and leases to core deposits89.8842%2,263
Total domestic deposits to total assets80.2719%5,653
Equity capital to assets13.0893%1,569
Core capital (leverage) ratio11.6215%1,941
Tier 1 risk-based capital ratio13.1651%4,977
Total risk-based capital ratio14.4179%4,951
Memoranda:
Average total assets$5,670,216,250156
Average earning assets$5,004,370,500155
Average equity$716,675,750151
Average total loans$4,064,702,000141
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6621%4,693
Cost of funding earning assets0.7915%5,439
Net interest margin3.8707%3,440
Noninterest income to average assets0.8033%2,001
Noninterest expense to average assets2.6434%5,026
Loan and lease loss provision to assets0.8053%1,140
Net operating income to assets0.5734%4,193
Return on assets (ROA)0.6204%4,083
Pretax return on assets0.8382%3,877
Return on Equity (ROE)4.9664%4,465
Retained earnings to average equity (ytd only)3.6709%3,886
Net charge-offs to loans0.9276%1,677
Credit loss provision to net charge-offs120.7298%2,528
Earnings coverage of net charge-offs (x)2.3688%3,638
Efficiency ratio61.9418%5,592
Assets per employee ($millions)5.0196%2,095
Cash dividends to net income (ytd only)*26.0855%2,628
Condition Ratios (%)
Loss allowance to loans1.8825%2,720
Loan loss allowance to noncurrent loans59.4433%4,479
Noncurrent assets plus other real estate owned to assets2.8934%2,327
Noncurrent loans to loans3.1669%2,265
Net loans and leases to total assets69.5609%2,305
Net loans and leases to deposits85.9977%1,798
Net loans and leases to core deposits89.4632%2,444
Total domestic deposits to total assets80.8870%5,565
Equity capital to assets12.8335%1,605
Core capital (leverage) ratio11.2973%2,049
Tier 1 risk-based capital ratio13.0597%4,871
Total risk-based capital ratio14.3140%4,848
Memoranda:
Average total assets$5,694,774,000159
Average earning assets$5,031,973,000158
Average equity$711,385,330153
Average total loans$4,095,040,000143
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6823%4,601
Cost of funding earning assets0.8053%5,550
Net interest margin3.8769%3,264
Noninterest income to average assets0.9118%1,622
Noninterest expense to average assets2.6028%5,213
Loan and lease loss provision to assets0.9652%811
Net operating income to assets0.5521%4,263
Return on assets (ROA)0.5653%4,285
Pretax return on assets0.7941%3,923
Return on Equity (ROE)4.5867%4,602
Retained earnings to average equity (ytd only)1.1450%5,366
Net charge-offs to loans0.7963%1,628
Credit loss provision to net charge-offs167.3976%1,720
Earnings coverage of net charge-offs (x)3.0191%2,874
Efficiency ratio59.2956%6,081
Assets per employee ($millions)5.1099%2,016
Cash dividends to net income (ytd only)*75.0371%928
Condition Ratios (%)
Loss allowance to loans1.8848%2,745
Loan loss allowance to noncurrent loans53.3493%4,813
Noncurrent assets plus other real estate owned to assets3.3236%2,050
Noncurrent loans to loans3.5330%2,107
Net loans and leases to total assets70.0974%2,107
Net loans and leases to deposits85.9886%1,730
Net loans and leases to core deposits90.6792%2,280
Total domestic deposits to total assets81.5194%5,488
Equity capital to assets12.3909%1,688
Core capital (leverage) ratio11.0704%2,135
Tier 1 risk-based capital ratio12.5979%5,172
Total risk-based capital ratio13.8558%5,140
Memoranda:
Average total assets$5,726,157,000157
Average earning assets$5,068,627,500157
Average equity$705,686,500152
Average total loans$4,146,138,000142
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9754%4,672
Cost of funding earning assets1.0399%5,483
Net interest margin3.9354%3,319
Noninterest income to average assets0.8621%2,006
Noninterest expense to average assets2.5436%5,636
Loan and lease loss provision to assets1.0169%1,598
Net operating income to assets0.6697%3,346
Return on assets (ROA)0.5759%3,940
Pretax return on assets0.6875%4,018
Return on Equity (ROE)5.4415%3,871
Retained earnings to average equity (ytd only)4.9816%2,416
Net charge-offs to loans1.6220%1,336
Credit loss provision to net charge-offs85.5340%5,317
Earnings coverage of net charge-offs (x)1.5274%4,601
Efficiency ratio57.5749%6,387
Assets per employee ($millions)4.9910%2,163
Cash dividends to net income (ytd only)*8.4509%3,798
Condition Ratios (%)
Loss allowance to loans1.6887%3,262
Loan loss allowance to noncurrent loans55.0652%4,715
Noncurrent assets plus other real estate owned to assets2.9476%2,387
Noncurrent loans to loans3.0667%2,488
Net loans and leases to total assets72.1233%2,077
Net loans and leases to deposits89.3882%1,601
Net loans and leases to core deposits93.5421%2,319
Total domestic deposits to total assets80.6855%5,625
Equity capital to assets12.2575%1,765
Core capital (leverage) ratio10.8796%2,245
Tier 1 risk-based capital ratio12.2660%5,241
Total risk-based capital ratio13.5214%5,200
Memoranda:
Average total assets$6,052,617,000152
Average earning assets$5,379,219,200154
Average equity$640,634,000161
Average total loans$4,436,729,000133
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0005%4,812
Cost of funding earning assets1.0754%5,571
Net interest margin3.9251%3,426
Noninterest income to average assets0.8828%1,863
Noninterest expense to average assets2.5443%5,546
Loan and lease loss provision to assets1.1651%1,239
Net operating income to assets0.5497%4,090
Return on assets (ROA)0.4281%4,813
Pretax return on assets0.5178%4,866
Return on Equity (ROE)4.2005%4,683
Retained earnings to average equity (ytd only)3.5717%3,936
Net charge-offs to loans1.4708%1,372
Credit loss provision to net charge-offs108.0876%3,942
Earnings coverage of net charge-offs (x)1.6972%4,431
Efficiency ratio57.3567%6,370
Assets per employee ($millions)5.0810%2,077
Cash dividends to net income (ytd only)*14.9710%3,160
Condition Ratios (%)
Loss allowance to loans1.9920%2,244
Loan loss allowance to noncurrent loans61.5897%4,218
Noncurrent assets plus other real estate owned to assets2.9797%2,438
Noncurrent loans to loans3.2343%2,450
Net loans and leases to total assets72.0539%2,243
Net loans and leases to deposits88.7149%1,904
Net loans and leases to core deposits93.0521%2,655
Total domestic deposits to total assets81.2196%5,293
Equity capital to assets11.8484%2,253
Core capital (leverage) ratio10.4026%2,798
Tier 1 risk-based capital ratio11.7387%5,699
Total risk-based capital ratio12.9943%5,663
Memoranda:
Average total assets$6,128,366,750151
Average earning assets$5,450,458,750152
Average equity$624,602,500164
Average total loans$4,491,400,250133
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9970%4,957
Cost of funding earning assets1.1005%5,666
Net interest margin3.8965%3,465
Noninterest income to average assets0.8752%1,780
Noninterest expense to average assets2.5494%5,523
Loan and lease loss provision to assets1.5761%834
Net operating income to assets0.3272%5,078
Return on assets (ROA)0.2022%5,684
Pretax return on assets0.0985%5,980
Return on Equity (ROE)2.0906%5,609
Retained earnings to average equity (ytd only)1.1116%5,318
Net charge-offs to loans1.8713%994
Credit loss provision to net charge-offs115.0318%3,535
Earnings coverage of net charge-offs (x)1.3134%4,514
Efficiency ratio57.7094%6,417
Assets per employee ($millions)5.1912%1,938
Cash dividends to net income (ytd only)*46.8288%1,814
Condition Ratios (%)
Loss allowance to loans1.9856%2,221
Loan loss allowance to noncurrent loans59.6514%4,363
Noncurrent assets plus other real estate owned to assets2.9231%2,459
Noncurrent loans to loans3.3287%2,400
Net loans and leases to total assets72.4876%2,278
Net loans and leases to deposits91.4913%1,614
Net loans and leases to core deposits96.0382%2,432
Total domestic deposits to total assets79.2289%5,966
Equity capital to assets10.2422%3,718
Core capital (leverage) ratio8.6218%5,204
Tier 1 risk-based capital ratio9.9163%7,072
Total risk-based capital ratio11.1718%7,043
Memoranda:
Average total assets$6,221,740,670150
Average earning assets$5,546,741,000150
Average equity$601,829,670168
Average total loans$4,555,356,000131
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9378%5,280
Cost of funding earning assets1.1020%5,898
Net interest margin3.8358%3,643
Noninterest income to average assets0.8495%1,816
Noninterest expense to average assets2.4811%5,802
Loan and lease loss provision to assets2.8427%360
Net operating income to assets-0.5448%6,860
Return on assets (ROA)-0.6366%6,952
Pretax return on assets-1.1917%7,140
Return on Equity (ROE)-6.7693%6,976
Retained earnings to average equity (ytd only)-8.7475%6,880
Net charge-offs to loans0.6875%2,115
Credit loss provision to net charge-offs567.4313%764
Earnings coverage of net charge-offs (x)3.5821%2,856
Efficiency ratio57.0578%6,621
Assets per employee ($millions)5.3964%1,767
Cash dividends to net income (ytd only)*-29.2233%7,857
Condition Ratios (%)
Loss allowance to loans2.5836%1,198
Loan loss allowance to noncurrent loans65.9034%4,063
Noncurrent assets plus other real estate owned to assets3.3368%2,136
Noncurrent loans to loans3.9203%2,021
Net loans and leases to total assets71.2683%2,627
Net loans and leases to deposits95.9938%1,109
Net loans and leases to core deposits100.8912%2,043
Total domestic deposits to total assets74.2426%7,015
Equity capital to assets9.4165%4,657
Core capital (leverage) ratio8.1362%6,013
Tier 1 risk-based capital ratio9.3465%7,374
Total risk-based capital ratio10.6087%7,370
Memoranda:
Average total assets$6,334,715,500149
Average earning assets$5,658,075,500150
Average equity$595,693,500168
Average total loans$4,615,910,000132
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0854%6,146
Cost of funding earning assets1.4009%5,926
Net interest margin3.6846%4,201
Noninterest income to average assets0.8465%2,196
Noninterest expense to average assets2.4477%6,309
Loan and lease loss provision to assets1.5721%1,461
Net operating income to assets0.2290%4,807
Return on assets (ROA)-0.1285%5,718
Pretax return on assets-0.4219%5,940
Return on Equity (ROE)-1.3562%5,749
Retained earnings to average equity (ytd only)-6.4421%6,188
Net charge-offs to loans1.5792%1,596
Credit loss provision to net charge-offs140.2851%3,470
Earnings coverage of net charge-offs (x)1.5249%4,605
Efficiency ratio57.8259%6,789
Assets per employee ($millions)5.4975%1,649
Cash dividends to net income (ytd only)*-375.0030%7,977
Condition Ratios (%)
Loss allowance to loans1.7608%2,673
Loan loss allowance to noncurrent loans50.0573%5,041
Noncurrent assets plus other real estate owned to assets2.9790%2,356
Noncurrent loans to loans3.5176%2,159
Net loans and leases to total assets71.3022%2,927
Net loans and leases to deposits100.2061%881
Net loans and leases to core deposits109.6688%2,931
Total domestic deposits to total assets71.1556%7,323
Equity capital to assets9.3910%4,575
Core capital (leverage) ratio8.4816%5,303
Tier 1 risk-based capital ratio9.5496%7,198
Total risk-based capital ratio10.8024%7,175
Memoranda:
Average total assets$6,397,195,400146
Average earning assets$5,746,913,400145
Average equity$606,165,800160
Average total loans$4,539,558,200132
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0931%6,295
Cost of funding earning assets1.4546%6,020
Net interest margin3.6385%4,330
Noninterest income to average assets0.8358%2,259
Noninterest expense to average assets2.4873%6,112
Loan and lease loss provision to assets1.6566%1,133
Net operating income to assets0.1188%5,410
Return on assets (ROA)-0.2865%6,193
Pretax return on assets-0.6682%6,458
Return on Equity (ROE)-3.0164%6,243
Retained earnings to average equity (ytd only)-9.2738%6,733
Net charge-offs to loans1.2344%1,654
Credit loss provision to net charge-offs190.2017%2,389
Earnings coverage of net charge-offs (x)1.8619%4,414
Efficiency ratio59.4350%6,492
Assets per employee ($millions)5.5468%1,569
Cash dividends to net income (ytd only)*-207.4478%8,044
Condition Ratios (%)
Loss allowance to loans1.9459%1,911
Loan loss allowance to noncurrent loans61.3042%4,283
Noncurrent assets plus other real estate owned to assets2.7161%2,561
Noncurrent loans to loans3.1742%2,382
Net loans and leases to total assets70.6650%3,347
Net loans and leases to deposits101.2021%992
Net loans and leases to core deposits112.2541%2,997
Total domestic deposits to total assets69.8257%7,429
Equity capital to assets9.3349%4,975
Core capital (leverage) ratio8.3525%5,747
Tier 1 risk-based capital ratio9.4287%7,421
Total risk-based capital ratio10.6833%7,385
Memoranda:
Average total assets$6,399,484,250153
Average earning assets$5,756,872,750152
Average equity$607,732,250163
Average total loans$4,515,334,000141
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1621%6,217
Cost of funding earning assets1.5056%6,117
Net interest margin3.6566%4,132
Noninterest income to average assets0.8619%2,140
Noninterest expense to average assets2.5417%5,976
Loan and lease loss provision to assets1.7702%941
Net operating income to assets0.0326%5,748
Return on assets (ROA)-0.3391%6,388
Pretax return on assets-0.7432%6,642
Return on Equity (ROE)-3.5506%6,425
Retained earnings to average equity (ytd only)-11.4931%7,008
Net charge-offs to loans1.1717%1,559
Credit loss provision to net charge-offs215.6683%2,132
Earnings coverage of net charge-offs (x)1.9588%4,120
Efficiency ratio60.1317%6,530
Assets per employee ($millions)5.3155%1,753
Cash dividends to net income (ytd only)*-223.6925%8,127
Condition Ratios (%)
Loss allowance to loans1.8307%1,962
Loan loss allowance to noncurrent loans86.2803%3,289
Noncurrent assets plus other real estate owned to assets1.9119%3,324
Noncurrent loans to loans2.1219%3,349
Net loans and leases to total assets69.5900%3,798
Net loans and leases to deposits98.8735%1,408
Net loans and leases to core deposits111.4053%3,212
Total domestic deposits to total assets70.3828%7,430
Equity capital to assets9.2580%4,930
Core capital (leverage) ratio8.5336%5,382
Tier 1 risk-based capital ratio9.7761%7,159
Total risk-based capital ratio11.0296%7,101
Memoranda:
Average total assets$6,382,351,000156
Average earning assets$5,738,220,000152
Average equity$609,582,670166
Average total loans$4,470,783,330146
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2085%6,263
Cost of funding earning assets1.5730%6,147
Net interest margin3.6355%4,163
Noninterest income to average assets0.7763%2,452
Noninterest expense to average assets2.4886%5,882
Loan and lease loss provision to assets0.5173%2,397
Net operating income to assets0.7305%3,422
Return on assets (ROA)0.2982%5,478
Pretax return on assets0.4234%5,330
Return on Equity (ROE)3.0751%5,340
Retained earnings to average equity (ytd only)-4.7712%6,526
Net charge-offs to loans1.7533%829
Credit loss provision to net charge-offs42.3710%4,786
Earnings coverage of net charge-offs (x)1.2764%4,101
Efficiency ratio60.3424%6,344
Assets per employee ($millions)5.4566%1,601
Cash dividends to net income (ytd only)*255.1557%208
Condition Ratios (%)
Loss allowance to loans0.9322%6,599
Loan loss allowance to noncurrent loans89.1973%3,361
Noncurrent assets plus other real estate owned to assets1.1378%4,399
Noncurrent loans to loans1.0450%4,895
Net loans and leases to total assets69.2853%3,847
Net loans and leases to deposits101.8443%1,192
Net loans and leases to core deposits116.7253%2,717
Total domestic deposits to total assets68.0306%7,593
Equity capital to assets9.6744%4,421
Core capital (leverage) ratio9.0151%4,687
Tier 1 risk-based capital ratio10.4274%6,467
Total risk-based capital ratio11.2025%6,882
Memoranda:
Average total assets$6,373,593,000157
Average earning assets$5,733,851,500153
Average equity$618,124,500159
Average total loans$4,437,814,500150
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9170%5,956
Cost of funding earning assets2.3700%4,851
Net interest margin3.5470%5,112
Noninterest income to average assets0.8667%2,127
Noninterest expense to average assets2.3372%6,598
Loan and lease loss provision to assets0.3773%3,425
Net operating income to assets1.0677%2,267
Return on assets (ROA)0.9223%2,758
Pretax return on assets1.1644%2,791
Return on Equity (ROE)9.0666%2,621
Retained earnings to average equity (ytd only)-1.3829%5,703
Net charge-offs to loans0.3135%3,291
Credit loss provision to net charge-offs181.3933%2,766
Earnings coverage of net charge-offs (x)8.2976%2,903
Efficiency ratio56.2354%6,974
Assets per employee ($millions)5.5716%1,404
Cash dividends to net income (ytd only)*115.2527%737
Condition Ratios (%)
Loss allowance to loans1.1941%4,578
Loan loss allowance to noncurrent loans73.1636%4,415
Noncurrent assets plus other real estate owned to assets1.1825%3,891
Noncurrent loans to loans1.6321%3,324
Net loans and leases to total assets68.4914%4,371
Net loans and leases to deposits101.4009%1,658
Net loans and leases to core deposits117.1952%2,982
Total domestic deposits to total assets67.5451%7,514
Equity capital to assets9.7220%4,397
Core capital (leverage) ratio9.2373%4,382
Tier 1 risk-based capital ratio10.6010%6,099
Total risk-based capital ratio11.5982%6,242
Memoranda:
Average total assets$6,121,816,200160
Average earning assets$5,516,504,600159
Average equity$622,744,400160
Average total loans$4,061,422,200161