Home > First National Bank of Dublin > Performance and Condition Ratios

First National Bank of Dublin, Performance and Condition Ratios

2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2974%286
Cost of funding earning assets0.9180%4,091
Net interest margin6.3794%76
Noninterest income to average assets0.7400%1,053
Noninterest expense to average assets3.7015%474
Loan and lease loss provision to assets0.1700%812
Net operating income to assets2.8675%157
Return on assets (ROA)2.8675%159
Pretax return on assets2.8675%210
Return on Equity (ROE)25.7500%175
Retained earnings to average equity (ytd only)8.9947%798
Net charge-offs to loans0.1078%1,120
Credit loss provision to net charge-offs239.3617%1,023
Earnings coverage of net charge-offs (x)42.0426%1,304
Efficiency ratio54.9013%3,657
Assets per employee ($millions)4.0071%4,087
Cash dividends to net income (ytd only)*65.0657%984
Condition Ratios (%)
Loss allowance to loans1.9243%429
Loan loss allowance to noncurrent loans1,239.5683%626
Noncurrent assets plus other real estate owned to assets0.1051%2,962
Noncurrent loans to loans0.1552%2,901
Net loans and leases to total assets66.4100%2,319
Net loans and leases to deposits75.1024%2,549
Net loans and leases to core deposits77.8390%2,922
Total domestic deposits to total assets88.4300%1,352
Equity capital to assets11.4471%1,395
Core capital (leverage) ratio11.6217%1,626
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.5071%969
Memoranda:
Average total assets$129,973,6003,533
Average earning assets$122,331,4003,506
Average equity$14,475,2003,373
Average total loans$87,206,4003,342
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3191%282
Cost of funding earning assets0.9145%4,112
Net interest margin6.4046%77
Noninterest income to average assets0.7500%990
Noninterest expense to average assets3.6256%496
Loan and lease loss provision to assets0.2100%556
Net operating income to assets2.9405%151
Return on assets (ROA)2.9405%152
Pretax return on assets2.9405%211
Return on Equity (ROE)26.5900%162
Retained earnings to average equity (ytd only)9.3547%1,015
Net charge-offs to loans0.0816%1,103
Credit loss provision to net charge-offs377.3585%760
Earnings coverage of net charge-offs (x)57.6226%1,123
Efficiency ratio53.5372%3,768
Assets per employee ($millions)3.7750%4,180
Cash dividends to net income (ytd only)*64.8213%848
Condition Ratios (%)
Loss allowance to loans1.9742%410
Loan loss allowance to noncurrent loans2,048.2353%416
Noncurrent assets plus other real estate owned to assets0.0662%3,258
Noncurrent loans to loans0.0964%3,206
Net loans and leases to total assets67.3500%2,164
Net loans and leases to deposits76.5648%2,477
Net loans and leases to core deposits79.5229%2,844
Total domestic deposits to total assets87.9700%1,250
Equity capital to assets11.5614%1,451
Core capital (leverage) ratio11.6187%1,669
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.3514%1,032
Memoranda:
Average total assets$129,408,5003,543
Average earning assets$121,742,7503,516
Average equity$14,309,7503,388
Average total loans$86,622,7503,353
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2544%286
Cost of funding earning assets0.9052%4,108
Net interest margin6.3493%81
Noninterest income to average assets0.7300%1,020
Noninterest expense to average assets3.5742%521
Loan and lease loss provision to assets0.2200%493
Net operating income to assets2.9069%160
Return on assets (ROA)2.9069%163
Pretax return on assets2.9069%222
Return on Equity (ROE)26.6900%183
Retained earnings to average equity (ytd only)8.6462%1,187
Net charge-offs to loans0.0581%1,187
Credit loss provision to net charge-offs580.0000%574
Earnings coverage of net charge-offs (x)81.2400%871
Efficiency ratio53.3103%3,801
Assets per employee ($millions)3.8728%4,158
Cash dividends to net income (ytd only)*67.6034%923
Condition Ratios (%)
Loss allowance to loans1.9936%399
Loan loss allowance to noncurrent loans2,063.8554%447
Noncurrent assets plus other real estate owned to assets0.0649%3,219
Noncurrent loans to loans0.0966%3,163
Net loans and leases to total assets65.8900%2,362
Net loans and leases to deposits74.5934%2,660
Net loans and leases to core deposits76.7988%2,990
Total domestic deposits to total assets88.3400%1,209
Equity capital to assets11.3033%1,420
Core capital (leverage) ratio11.2947%1,843
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.1356%1,061
Memoranda:
Average total assets$129,761,6673,550
Average earning assets$122,187,3333,523
Average equity$14,133,3333,381
Average total loans$86,101,0003,362
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1995%275
Cost of funding earning assets0.8711%4,124
Net interest margin6.3284%92
Noninterest income to average assets0.7100%1,002
Noninterest expense to average assets3.5000%568
Loan and lease loss provision to assets0.3100%297
Net operating income to assets2.8606%185
Return on assets (ROA)2.8606%185
Pretax return on assets2.8606%247
Return on Equity (ROE)26.7600%194
Retained earnings to average equity (ytd only)8.1563%1,513
Net charge-offs to loans-0.0975%4,449
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio52.5011%3,867
Assets per employee ($millions)3.7587%4,215
Cash dividends to net income (ytd only)*69.5187%898
Condition Ratios (%)
Loss allowance to loans1.9810%400
Loan loss allowance to noncurrent loans614.6953%1,170
Noncurrent assets plus other real estate owned to assets0.2183%2,263
Noncurrent loans to loans0.3223%2,171
Net loans and leases to total assets66.4000%2,192
Net loans and leases to deposits74.8600%2,524
Net loans and leases to core deposits76.8825%2,925
Total domestic deposits to total assets88.7000%1,198
Equity capital to assets11.0489%1,485
Core capital (leverage) ratio10.8846%2,033
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.6320%1,152
Memoranda:
Average total assets$130,741,0003,548
Average earning assets$123,064,5003,530
Average equity$13,977,0003,405
Average total loans$86,188,5003,367
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6739%296
Cost of funding earning assets0.5676%4,118
Net interest margin6.1063%103
Noninterest income to average assets0.6800%1,254
Noninterest expense to average assets3.3333%711
Loan and lease loss provision to assets0.3400%303
Net operating income to assets2.7487%198
Return on assets (ROA)2.7487%197
Pretax return on assets2.7487%267
Return on Equity (ROE)27.8400%220
Retained earnings to average equity (ytd only)12.2329%615
Net charge-offs to loans0.2438%441
Credit loss provision to net charge-offs215.3110%1,168
Earnings coverage of net charge-offs (x)19.5215%1,899
Efficiency ratio51.8981%3,840
Assets per employee ($millions)4.0511%4,141
Cash dividends to net income (ytd only)*56.0606%1,358
Condition Ratios (%)
Loss allowance to loans1.8565%485
Loan loss allowance to noncurrent loans894.9438%975
Noncurrent assets plus other real estate owned to assets0.1331%2,638
Noncurrent loans to loans0.2074%2,478
Net loans and leases to total assets62.9900%2,575
Net loans and leases to deposits70.3387%2,868
Net loans and leases to core deposits72.3138%3,172
Total domestic deposits to total assets89.5600%889
Equity capital to assets10.3481%1,814
Core capital (leverage) ratio10.5827%2,274
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5194%1,179
Memoranda:
Average total assets$132,060,6003,532
Average earning assets$124,199,6003,503
Average equity$13,038,6003,423
Average total loans$85,729,2003,353
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5428%295
Cost of funding earning assets0.4986%4,139
Net interest margin6.0443%103
Noninterest income to average assets0.6900%1,217
Noninterest expense to average assets3.4362%597
Loan and lease loss provision to assets0.3700%231
Net operating income to assets2.5693%251
Return on assets (ROA)2.5693%245
Pretax return on assets2.5693%353
Return on Equity (ROE)26.3400%337
Retained earnings to average equity (ytd only)12.7102%853
Net charge-offs to loans0.1540%548
Credit loss provision to net charge-offs368.6869%762
Earnings coverage of net charge-offs (x)29.3131%1,602
Efficiency ratio53.8999%3,597
Assets per employee ($millions)3.9909%4,175
Cash dividends to net income (ytd only)*51.7540%1,184
Condition Ratios (%)
Loss allowance to loans1.9209%456
Loan loss allowance to noncurrent loans2,311.4286%466
Noncurrent assets plus other real estate owned to assets0.0532%3,275
Noncurrent loans to loans0.0831%3,167
Net loans and leases to total assets62.7300%2,587
Net loans and leases to deposits70.2089%2,830
Net loans and leases to core deposits72.7334%3,067
Total domestic deposits to total assets89.3400%1,145
Equity capital to assets10.2232%1,691
Core capital (leverage) ratio10.4212%2,465
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.3375%1,235
Memoranda:
Average total assets$131,654,2503,544
Average earning assets$123,816,7503,511
Average equity$12,839,7503,435
Average total loans$85,710,0003,347
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3430%301
Cost of funding earning assets0.4222%4,130
Net interest margin5.9208%114
Noninterest income to average assets0.6700%1,209
Noninterest expense to average assets3.5977%478
Loan and lease loss provision to assets0.3000%309
Net operating income to assets2.3549%286
Return on assets (ROA)2.3549%281
Pretax return on assets2.3549%430
Return on Equity (ROE)24.5400%402
Retained earnings to average equity (ytd only)12.3974%909
Net charge-offs to loans0.1717%459
Credit loss provision to net charge-offs270.2703%914
Earnings coverage of net charge-offs (x)23.6486%1,670
Efficiency ratio57.5036%3,256
Assets per employee ($millions)3.9285%4,213
Cash dividends to net income (ytd only)*49.4839%1,305
Condition Ratios (%)
Loss allowance to loans1.6665%805
Loan loss allowance to noncurrent loans693.8967%1,234
Noncurrent assets plus other real estate owned to assets0.1643%2,414
Noncurrent loans to loans0.2402%2,303
Net loans and leases to total assets67.2700%2,036
Net loans and leases to deposits75.0833%2,398
Net loans and leases to core deposits76.9427%2,692
Total domestic deposits to total assets89.6000%1,051
Equity capital to assets10.0447%1,830
Core capital (leverage) ratio10.0962%2,664
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3771%1,460
Memoranda:
Average total assets$131,638,6673,554
Average earning assets$124,105,0003,515
Average equity$12,631,6673,473
Average total loans$86,203,3333,348
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5542%654
Cost of funding earning assets0.1432%4,160
Net interest margin4.4110%344
Noninterest income to average assets0.6600%1,421
Noninterest expense to average assets2.9983%971
Loan and lease loss provision to assets0.2200%456
Net operating income to assets1.6155%666
Return on assets (ROA)1.6155%638
Pretax return on assets1.6155%1,133
Return on Equity (ROE)18.1300%682
Retained earnings to average equity (ytd only)7.7493%1,933
Net charge-offs to loans0.0470%1,217
Credit loss provision to net charge-offs743.5897%524
Earnings coverage of net charge-offs (x)61.8974%1,231
Efficiency ratio62.0201%2,762
Assets per employee ($millions)4.2217%4,189
Cash dividends to net income (ytd only)*57.2505%1,065
Condition Ratios (%)
Loss allowance to loans1.6044%972
Loan loss allowance to noncurrent loans446.5347%1,733
Noncurrent assets plus other real estate owned to assets0.2243%2,034
Noncurrent loans to loans0.3593%1,857
Net loans and leases to total assets61.4200%2,499
Net loans and leases to deposits67.5538%2,765
Net loans and leases to core deposits68.9871%2,945
Total domestic deposits to total assets90.9200%988
Equity capital to assets9.0603%2,322
Core capital (leverage) ratio9.0011%3,684
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3260%1,526
Memoranda:
Average total assets$131,474,2003,620
Average earning assets$124,303,6003,576
Average equity$11,717,2003,694
Average total loans$82,914,6003,371
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1753%933
Cost of funding earning assets0.1154%4,156
Net interest margin4.0598%563
Noninterest income to average assets0.6700%1,437
Noninterest expense to average assets2.9613%956
Loan and lease loss provision to assets0.1700%564
Net operating income to assets1.3765%1,149
Return on assets (ROA)1.3765%1,122
Pretax return on assets1.3765%1,792
Return on Equity (ROE)15.5100%1,078
Retained earnings to average equity (ytd only)6.4441%2,577
Net charge-offs to loans0.0307%1,221
Credit loss provision to net charge-offs894.7368%443
Earnings coverage of net charge-offs (x)79.8947%1,046
Efficiency ratio65.6406%2,329
Assets per employee ($millions)4.1744%4,238
Cash dividends to net income (ytd only)*58.4570%914
Condition Ratios (%)
Loss allowance to loans1.4673%1,393
Loan loss allowance to noncurrent loans1,545.6790%690
Noncurrent assets plus other real estate owned to assets0.0588%3,305
Noncurrent loans to loans0.0949%3,198
Net loans and leases to total assets61.0300%2,399
Net loans and leases to deposits66.9614%2,635
Net loans and leases to core deposits68.2336%2,786
Total domestic deposits to total assets91.1400%1,178
Equity capital to assets8.6320%2,457
Core capital (leverage) ratio8.7340%3,844
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4463%1,890
Memoranda:
Average total assets$130,569,0003,654
Average earning assets$123,582,0003,607
Average equity$11,586,5003,756
Average total loans$82,560,7503,387
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8729%1,166
Cost of funding earning assets0.1024%4,167
Net interest margin3.7706%801
Noninterest income to average assets0.6600%1,499
Noninterest expense to average assets2.8820%1,024
Loan and lease loss provision to assets0.0546%1,598
Net operating income to assets1.2858%1,180
Return on assets (ROA)1.2858%1,164
Pretax return on assets1.2858%1,793
Return on Equity (ROE)14.3492%1,029
Retained earnings to average equity (ytd only)5.6247%2,461
Net charge-offs to loans0.0710%738
Credit loss provision to net charge-offs120.6897%1,180
Earnings coverage of net charge-offs (x)29.6207%1,393
Efficiency ratio68.2557%2,203
Assets per employee ($millions)3.9947%4,372
Cash dividends to net income (ytd only)*60.8010%1,040
Condition Ratios (%)
Loss allowance to loans1.3267%2,062
Loan loss allowance to noncurrent loans832.3308%1,069
Noncurrent assets plus other real estate owned to assets0.1009%3,000
Noncurrent loans to loans0.1594%2,901
Net loans and leases to total assets62.4552%2,074
Net loans and leases to deposits68.6092%2,335
Net loans and leases to core deposits69.9012%2,497
Total domestic deposits to total assets91.0305%1,225
Equity capital to assets8.8413%2,508
Core capital (leverage) ratio8.9179%3,544
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4833%1,873
Memoranda:
Average total assets$128,173,6673,714
Average earning assets$121,096,3333,684
Average equity$11,485,0003,833
Average total loans$81,639,0003,429
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7332%1,212
Cost of funding earning assets0.0974%4,163
Net interest margin3.6358%837
Noninterest income to average assets0.6522%1,484
Noninterest expense to average assets2.9031%950
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.1777%1,307
Return on assets (ROA)1.1777%1,306
Pretax return on assets1.1777%1,885
Return on Equity (ROE)13.0526%1,021
Retained earnings to average equity (ytd only)4.7018%2,706
Net charge-offs to loans-0.0198%3,904
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.1404%2,086
Assets per employee ($millions)4.0198%4,391
Cash dividends to net income (ytd only)*63.9785%965
Condition Ratios (%)
Loss allowance to loans1.3345%2,200
Loan loss allowance to noncurrent loans627.8409%1,276
Noncurrent assets plus other real estate owned to assets0.1368%2,834
Noncurrent loans to loans0.2125%2,759
Net loans and leases to total assets63.5130%1,688
Net loans and leases to deposits69.7742%1,987
Net loans and leases to core deposits71.1208%2,192
Total domestic deposits to total assets91.0265%1,021
Equity capital to assets8.9144%2,790
Core capital (leverage) ratio9.0601%3,304
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1181%2,151
Memoranda:
Average total assets$126,348,5003,752
Average earning assets$119,147,0003,722
Average equity$11,400,0003,915
Average total loans$80,739,5003,448
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6998%2,112
Cost of funding earning assets0.1083%4,321
Net interest margin3.5914%1,490
Noninterest income to average assets1.1989%735
Noninterest expense to average assets2.9876%999
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.5946%825
Return on assets (ROA)1.5946%857
Pretax return on assets1.5946%1,440
Return on Equity (ROE)17.2314%554
Retained earnings to average equity (ytd only)5.2526%2,691
Net charge-offs to loans-0.0148%3,868
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.1999%2,371
Assets per employee ($millions)3.7595%4,511
Cash dividends to net income (ytd only)*69.5173%753
Condition Ratios (%)
Loss allowance to loans1.4007%1,915
Loan loss allowance to noncurrent loans1,172.3404%782
Noncurrent assets plus other real estate owned to assets0.0758%3,420
Noncurrent loans to loans0.1195%3,332
Net loans and leases to total assets62.5268%1,880
Net loans and leases to deposits68.8360%2,238
Net loans and leases to core deposits69.8998%2,453
Total domestic deposits to total assets90.8344%562
Equity capital to assets9.1349%3,476
Core capital (leverage) ratio9.1909%3,181
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9281%1,877
Memoranda:
Average total assets$119,527,0003,808
Average earning assets$112,600,8003,783
Average equity$11,061,2004,029
Average total loans$74,459,8003,579
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6731%2,348
Cost of funding earning assets0.1099%4,422
Net interest margin3.5631%1,693
Noninterest income to average assets1.3773%626
Noninterest expense to average assets3.0294%919
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.7061%817
Return on assets (ROA)1.7061%856
Pretax return on assets1.7061%1,387
Return on Equity (ROE)18.3745%584
Retained earnings to average equity (ytd only)5.2273%3,129
Net charge-offs to loans-0.0363%4,218
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9715%2,391
Assets per employee ($millions)3.7225%4,566
Cash dividends to net income (ytd only)*71.5512%558
Condition Ratios (%)
Loss allowance to loans1.4540%1,798
Loan loss allowance to noncurrent loans740.6667%1,007
Noncurrent assets plus other real estate owned to assets0.1221%3,301
Noncurrent loans to loans0.1963%3,165
Net loans and leases to total assets61.2978%2,104
Net loans and leases to deposits67.6781%2,466
Net loans and leases to core deposits69.0553%2,680
Total domestic deposits to total assets90.5725%522
Equity capital to assets9.1051%3,737
Core capital (leverage) ratio9.2396%3,277
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4724%1,806
Memoranda:
Average total assets$118,393,2503,865
Average earning assets$111,584,7503,837
Average equity$10,993,2504,087
Average total loans$73,406,2503,645
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6792%2,394
Cost of funding earning assets0.1145%4,474
Net interest margin3.5647%1,671
Noninterest income to average assets1.7535%408
Noninterest expense to average assets2.9972%988
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets2.1110%397
Return on assets (ROA)2.1110%420
Pretax return on assets2.1110%675
Return on Equity (ROE)22.5814%286
Retained earnings to average equity (ytd only)6.5146%2,619
Net charge-offs to loans-0.0497%4,371
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.6738%3,191
Assets per employee ($millions)3.5267%4,663
Cash dividends to net income (ytd only)*71.1507%662
Condition Ratios (%)
Loss allowance to loans1.4716%1,681
Loan loss allowance to noncurrent loans1,680.3030%487
Noncurrent assets plus other real estate owned to assets0.0550%3,866
Noncurrent loans to loans0.0876%3,743
Net loans and leases to total assets61.9220%2,188
Net loans and leases to deposits68.4086%2,575
Net loans and leases to core deposits69.8147%2,804
Total domestic deposits to total assets90.5178%549
Equity capital to assets9.2645%3,545
Core capital (leverage) ratio9.1583%3,272
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7725%1,703
Memoranda:
Average total assets$116,910,0003,894
Average earning assets$110,024,6673,874
Average equity$10,929,3334,104
Average total loans$72,404,6673,681
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7243%2,299
Cost of funding earning assets0.1179%4,534
Net interest margin3.6064%1,567
Noninterest income to average assets1.7919%447
Noninterest expense to average assets3.0638%886
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets2.1211%472
Return on assets (ROA)2.1211%514
Pretax return on assets2.1211%779
Return on Equity (ROE)22.5841%360
Retained earnings to average equity (ytd only)6.3472%2,782
Net charge-offs to loans-0.0226%4,053
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.0909%3,144
Assets per employee ($millions)3.7186%4,615
Cash dividends to net income (ytd only)*71.8954%694
Condition Ratios (%)
Loss allowance to loans1.5355%1,480
Loan loss allowance to noncurrent loans968.1416%688
Noncurrent assets plus other real estate owned to assets0.0950%3,715
Noncurrent loans to loans0.1586%3,541
Net loans and leases to total assets58.9524%2,679
Net loans and leases to deposits65.0022%3,024
Net loans and leases to core deposits66.4699%3,202
Total domestic deposits to total assets90.6930%512
Equity capital to assets9.1801%3,509
Core capital (leverage) ratio9.5676%2,974
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$115,410,5003,908
Average earning assets$108,584,5003,889
Average equity$10,839,5004,126
Average total loans$70,927,5003,716
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7480%812
Cost of funding earning assets0.1897%4,614
Net interest margin4.5583%292
Noninterest income to average assets0.6648%1,971
Noninterest expense to average assets3.5553%641
Loan and lease loss provision to assets0.1464%2,545
Net operating income to assets1.2085%1,527
Return on assets (ROA)1.2085%1,632
Pretax return on assets1.2085%2,297
Return on Equity (ROE)11.7732%1,387
Retained earnings to average equity (ytd only)4.6979%2,422
Net charge-offs to loans0.0403%2,254
Credit loss provision to net charge-offs517.2414%1,225
Earnings coverage of net charge-offs (x)47.8621%1,239
Efficiency ratio72.4056%1,631
Assets per employee ($millions)3.3886%4,694
Cash dividends to net income (ytd only)*60.0969%1,360
Condition Ratios (%)
Loss allowance to loans1.5451%1,446
Loan loss allowance to noncurrent loans948.6957%699
Noncurrent assets plus other real estate owned to assets0.1028%3,794
Noncurrent loans to loans0.1629%3,625
Net loans and leases to total assets62.1677%2,587
Net loans and leases to deposits68.8402%2,999
Net loans and leases to core deposits70.3228%3,233
Total domestic deposits to total assets90.3072%447
Equity capital to assets9.6177%3,488
Core capital (leverage) ratio9.9150%2,685
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9003%1,565
Memoranda:
Average total assets$102,438,6003,964
Average earning assets$95,409,4003,955
Average equity$10,515,4004,151
Average total loans$71,929,0003,688
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0009%603
Cost of funding earning assets0.2065%4,648
Net interest margin4.7945%207
Noninterest income to average assets0.6780%1,865
Noninterest expense to average assets3.7231%511
Loan and lease loss provision to assets0.1998%1,991
Net operating income to assets1.2095%1,613
Return on assets (ROA)1.2095%1,735
Pretax return on assets1.2095%2,357
Return on Equity (ROE)11.5789%1,485
Retained earnings to average equity (ytd only)4.5525%2,772
Net charge-offs to loans0.0646%1,691
Credit loss provision to net charge-offs428.5714%1,408
Earnings coverage of net charge-offs (x)30.2286%1,574
Efficiency ratio72.5409%1,576
Assets per employee ($millions)3.2520%4,761
Cash dividends to net income (ytd only)*60.6828%1,108
Condition Ratios (%)
Loss allowance to loans1.4899%1,416
Loan loss allowance to noncurrent loans1,178.2609%516
Noncurrent assets plus other real estate owned to assets0.0857%4,005
Noncurrent loans to loans0.1265%3,875
Net loans and leases to total assets66.7866%2,411
Net loans and leases to deposits74.3794%2,918
Net loans and leases to core deposits76.2452%3,150
Total domestic deposits to total assets89.7917%504
Equity capital to assets9.8952%3,339
Core capital (leverage) ratio10.0060%2,719
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1694%1,774
Memoranda:
Average total assets$100,092,0003,990
Average earning assets$92,994,0003,985
Average equity$10,455,5004,163
Average total loans$72,258,7503,697
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3669%430
Cost of funding earning assets0.2237%4,699
Net interest margin5.1431%153
Noninterest income to average assets0.6879%1,786
Noninterest expense to average assets3.7468%536
Loan and lease loss provision to assets0.3071%1,403
Net operating income to assets1.3881%1,141
Return on assets (ROA)1.3881%1,232
Pretax return on assets1.3881%1,752
Return on Equity (ROE)13.0372%1,089
Retained earnings to average equity (ytd only)5.3072%2,346
Net charge-offs to loans0.0860%1,390
Credit loss provision to net charge-offs483.8710%1,262
Earnings coverage of net charge-offs (x)26.7097%1,513
Efficiency ratio68.8488%2,115
Assets per employee ($millions)3.2729%4,756
Cash dividends to net income (ytd only)*59.2920%1,265
Condition Ratios (%)
Loss allowance to loans1.4619%1,375
Loan loss allowance to noncurrent loans1,310.8434%439
Noncurrent assets plus other real estate owned to assets0.0792%4,129
Noncurrent loans to loans0.1115%4,008
Net loans and leases to total assets70.0193%2,023
Net loans and leases to deposits78.0664%2,644
Net loans and leases to core deposits79.8211%2,966
Total domestic deposits to total assets89.6920%496
Equity capital to assets10.0655%3,151
Core capital (leverage) ratio10.3969%2,449
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$97,684,3334,026
Average earning assets$90,295,0004,021
Average equity$10,401,0004,175
Average total loans$72,093,0003,715
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4435%422
Cost of funding earning assets0.2729%4,724
Net interest margin5.1706%151
Noninterest income to average assets0.7477%1,470
Noninterest expense to average assets3.8233%602
Loan and lease loss provision to assets0.2336%1,323
Net operating income to assets1.4401%905
Return on assets (ROA)1.4401%977
Pretax return on assets1.4401%1,464
Return on Equity (ROE)13.1262%860
Retained earnings to average equity (ytd only)5.6919%1,996
Net charge-offs to loans0.1297%938
Credit loss provision to net charge-offs239.1304%1,313
Earnings coverage of net charge-offs (x)17.1304%1,503
Efficiency ratio69.5518%2,416
Assets per employee ($millions)2.9787%4,807
Cash dividends to net income (ytd only)*56.6372%1,465
Condition Ratios (%)
Loss allowance to loans1.3854%1,751
Loan loss allowance to noncurrent loans663.5762%754
Noncurrent assets plus other real estate owned to assets0.1584%3,866
Noncurrent loans to loans0.2088%3,732
Net loans and leases to total assets74.8295%1,480
Net loans and leases to deposits84.1168%2,210
Net loans and leases to core deposits85.6933%2,706
Total domestic deposits to total assets88.9591%681
Equity capital to assets10.9150%2,931
Core capital (leverage) ratio11.1136%2,381
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7582%2,371
Memoranda:
Average total assets$94,159,5004,075
Average earning assets$86,489,0004,071
Average equity$10,330,5004,204
Average total loans$70,928,5003,745
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7355%374
Cost of funding earning assets0.2773%4,779
Net interest margin5.4582%121
Noninterest income to average assets0.8083%1,425
Noninterest expense to average assets3.9120%589
Loan and lease loss provision to assets0.3075%533
Net operating income to assets1.6254%788
Return on assets (ROA)1.6254%842
Pretax return on assets1.6254%1,411
Return on Equity (ROE)14.8705%713
Retained earnings to average equity (ytd only)5.8176%1,969
Net charge-offs to loans0.4113%473
Credit loss provision to net charge-offs99.2908%2,514
Earnings coverage of net charge-offs (x)6.2411%2,992
Efficiency ratio66.9297%2,630
Assets per employee ($millions)2.9063%4,864
Cash dividends to net income (ytd only)*60.8784%1,521
Condition Ratios (%)
Loss allowance to loans1.3937%1,548
Loan loss allowance to noncurrent loans580.2395%866
Noncurrent assets plus other real estate owned to assets0.1796%3,753
Noncurrent loans to loans0.2402%3,586
Net loans and leases to total assets73.7196%1,797
Net loans and leases to deposits82.9051%2,454
Net loans and leases to core deposits84.0804%2,940
Total domestic deposits to total assets88.9205%699
Equity capital to assets11.0289%2,968
Core capital (leverage) ratio10.8755%2,614
Tier 1 risk-based capital ratio12.4799%4,077
Total risk-based capital ratio13.6589%3,994
Memoranda:
Average total assets$91,052,6004,130
Average earning assets$84,021,0004,124
Average equity$9,952,6004,248
Average total loans$68,570,0003,801
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7502%383
Cost of funding earning assets0.2756%4,856
Net interest margin5.4746%125
Noninterest income to average assets0.8215%1,355
Noninterest expense to average assets3.9676%549
Loan and lease loss provision to assets0.3092%471
Net operating income to assets1.6032%927
Return on assets (ROA)1.6032%964
Pretax return on assets1.6032%1,629
Return on Equity (ROE)14.7012%846
Retained earnings to average equity (ytd only)6.5879%2,065
Net charge-offs to loans0.4878%347
Credit loss provision to net charge-offs84.0000%2,454
Earnings coverage of net charge-offs (x)5.1959%2,939
Efficiency ratio67.4762%2,505
Assets per employee ($millions)2.7936%4,977
Cash dividends to net income (ytd only)*55.1882%1,456
Condition Ratios (%)
Loss allowance to loans1.3532%1,747
Loan loss allowance to noncurrent loans1,225.0000%505
Noncurrent assets plus other real estate owned to assets0.0824%4,309
Noncurrent loans to loans0.1105%4,150
Net loans and leases to total assets73.6197%1,891
Net loans and leases to deposits83.1526%2,548
Net loans and leases to core deposits83.5930%3,132
Total domestic deposits to total assets88.5356%810
Equity capital to assets11.0272%3,080
Core capital (leverage) ratio11.2893%2,388
Tier 1 risk-based capital ratio12.8096%3,953
Total risk-based capital ratio13.9829%3,885
Memoranda:
Average total assets$90,565,5004,190
Average earning assets$83,681,2504,183
Average equity$9,876,5004,299
Average total loans$68,330,2503,844
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7044%404
Cost of funding earning assets0.2766%4,884
Net interest margin5.4278%146
Noninterest income to average assets0.8042%1,334
Noninterest expense to average assets3.9678%561
Loan and lease loss provision to assets0.3999%301
Net operating income to assets1.4507%1,295
Return on assets (ROA)1.4507%1,346
Pretax return on assets1.4507%2,027
Return on Equity (ROE)13.3538%1,137
Retained earnings to average equity (ytd only)5.2147%2,661
Net charge-offs to loans0.7129%211
Credit loss provision to net charge-offs74.0741%2,286
Earnings coverage of net charge-offs (x)3.4280%2,844
Efficiency ratio68.1940%2,505
Assets per employee ($millions)2.7888%5,020
Cash dividends to net income (ytd only)*60.9495%1,382
Condition Ratios (%)
Loss allowance to loans1.3051%1,992
Loan loss allowance to noncurrent loans1,976.0870%337
Noncurrent assets plus other real estate owned to assets0.0515%4,506
Noncurrent loans to loans0.0660%4,385
Net loans and leases to total assets77.0265%1,383
Net loans and leases to deposits86.9719%2,134
Net loans and leases to core deposits87.4377%2,853
Total domestic deposits to total assets88.5648%849
Equity capital to assets11.1315%2,920
Core capital (leverage) ratio11.2085%2,413
Tier 1 risk-based capital ratio12.2967%4,243
Total risk-based capital ratio13.4220%4,201
Memoranda:
Average total assets$90,024,0004,224
Average earning assets$83,164,3304,215
Average equity$9,780,0004,331
Average total loans$68,173,3303,872
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5067%521
Cost of funding earning assets0.2729%4,923
Net interest margin5.2337%190
Noninterest income to average assets0.7432%1,449
Noninterest expense to average assets3.7118%744
Loan and lease loss provision to assets0.5309%199
Net operating income to assets1.3361%1,576
Return on assets (ROA)1.3361%1,614
Pretax return on assets1.3361%2,308
Return on Equity (ROE)12.4498%1,397
Retained earnings to average equity (ytd only)4.3286%3,192
Net charge-offs to loans1.1389%112
Credit loss provision to net charge-offs62.5000%1,897
Earnings coverage of net charge-offs (x)2.1979%2,518
Efficiency ratio66.5345%2,865
Assets per employee ($millions)2.8220%5,062
Cash dividends to net income (ytd only)*65.2318%1,225
Condition Ratios (%)
Loss allowance to loans1.3156%2,018
Loan loss allowance to noncurrent loans691.5385%810
Noncurrent assets plus other real estate owned to assets0.1440%4,082
Noncurrent loans to loans0.1902%3,906
Net loans and leases to total assets74.6755%1,693
Net loans and leases to deposits83.9140%2,398
Net loans and leases to core deposits84.3549%2,993
Total domestic deposits to total assets88.9905%862
Equity capital to assets10.8168%3,030
Core capital (leverage) ratio10.9793%2,593
Tier 1 risk-based capital ratio13.1477%3,803
Total risk-based capital ratio14.3560%3,733
Memoranda:
Average total assets$90,415,0004,257
Average earning assets$83,535,0004,257
Average equity$9,703,0004,371
Average total loans$67,435,5003,934
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5189%380
Cost of funding earning assets0.2112%4,958
Net interest margin5.3077%157
Noninterest income to average assets0.7928%1,474
Noninterest expense to average assets3.7567%722
Loan and lease loss provision to assets0.2860%569
Net operating income to assets1.6821%719
Return on assets (ROA)1.6821%716
Pretax return on assets1.6821%1,211
Return on Equity (ROE)16.0486%626
Retained earnings to average equity (ytd only)6.3767%1,987
Net charge-offs to loans0.1768%1,090
Credit loss provision to net charge-offs216.1017%1,339
Earnings coverage of net charge-offs (x)14.8729%2,358
Efficiency ratio65.6219%2,930
Assets per employee ($millions)2.8289%5,079
Cash dividends to net income (ytd only)*60.2667%1,486
Condition Ratios (%)
Loss allowance to loans1.4593%1,419
Loan loss allowance to noncurrent loans660.5442%860
Noncurrent assets plus other real estate owned to assets0.1624%4,013
Noncurrent loans to loans0.2209%3,785
Net loans and leases to total assets72.4278%2,186
Net loans and leases to deposits81.1189%2,837
Net loans and leases to core deposits81.5345%3,300
Total domestic deposits to total assets89.2860%739
Equity capital to assets10.6467%3,032
Core capital (leverage) ratio10.7411%2,799
Tier 1 risk-based capital ratio11.9109%4,489
Total risk-based capital ratio13.1060%4,407
Memoranda:
Average total assets$89,174,8004,283
Average earning assets$82,861,2004,267
Average equity$9,346,6004,414
Average total loans$66,738,0003,943
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4501%401
Cost of funding earning assets0.1983%5,024
Net interest margin5.2518%166
Noninterest income to average assets0.7834%1,526
Noninterest expense to average assets3.7236%737
Loan and lease loss provision to assets0.3122%460
Net operating income to assets1.6374%874
Return on assets (ROA)1.6374%879
Pretax return on assets1.6374%1,456
Return on Equity (ROE)15.6855%749
Retained earnings to average equity (ytd only)6.8723%2,195
Net charge-offs to loans0.1677%986
Credit loss provision to net charge-offs247.6190%1,190
Earnings coverage of net charge-offs (x)15.4639%2,222
Efficiency ratio65.6349%2,934
Assets per employee ($millions)2.7037%5,210
Cash dividends to net income (ytd only)*56.1868%1,364
Condition Ratios (%)
Loss allowance to loans1.4453%1,538
Loan loss allowance to noncurrent loans332.2917%1,539
Noncurrent assets plus other real estate owned to assets0.3228%3,392
Noncurrent loans to loans0.4350%3,101
Net loans and leases to total assets73.1409%2,140
Net loans and leases to deposits82.2125%2,790
Net loans and leases to core deposits82.6415%3,284
Total domestic deposits to total assets88.9656%856
Equity capital to assets10.6522%2,984
Core capital (leverage) ratio10.6658%2,919
Tier 1 risk-based capital ratio12.0583%4,473
Total risk-based capital ratio13.2656%4,379
Memoranda:
Average total assets$88,837,0004,329
Average earning assets$82,712,2504,310
Average equity$9,273,7504,464
Average total loans$66,788,2503,976
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3652%414
Cost of funding earning assets0.1962%5,046
Net interest margin5.1690%181
Noninterest income to average assets0.7733%1,557
Noninterest expense to average assets3.6479%823
Loan and lease loss provision to assets0.3269%418
Net operating income to assets1.6098%900
Return on assets (ROA)1.6098%909
Pretax return on assets1.6098%1,474
Return on Equity (ROE)15.5268%753
Retained earnings to average equity (ytd only)6.7413%2,192
Net charge-offs to loans0.0239%2,390
Credit loss provision to net charge-offs1,812.5000%234
Earnings coverage of net charge-offs (x)107.3750%665
Efficiency ratio65.3210%3,096
Assets per employee ($millions)2.9040%5,161
Cash dividends to net income (ytd only)*56.5826%1,444
Condition Ratios (%)
Loss allowance to loans1.4470%1,570
Loan loss allowance to noncurrent loans822.8814%715
Noncurrent assets plus other real estate owned to assets0.1311%4,344
Noncurrent loans to loans0.1758%4,114
Net loans and leases to total assets73.4634%2,043
Net loans and leases to deposits82.2358%2,745
Net loans and leases to core deposits82.6334%3,194
Total domestic deposits to total assets89.3327%800
Equity capital to assets10.3807%3,237
Core capital (leverage) ratio10.6987%2,809
Tier 1 risk-based capital ratio11.8120%4,617
Total risk-based capital ratio13.0333%4,510
Memoranda:
Average total assets$88,709,0004,371
Average earning assets$82,568,6704,352
Average equity$9,197,0004,514
Average total loans$66,979,6704,001
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3290%388
Cost of funding earning assets0.1903%5,076
Net interest margin5.1387%176
Noninterest income to average assets0.7450%1,641
Noninterest expense to average assets3.6297%840
Loan and lease loss provision to assets0.3407%361
Net operating income to assets1.5582%936
Return on assets (ROA)1.5582%946
Pretax return on assets1.5582%1,504
Return on Equity (ROE)15.0389%797
Retained earnings to average equity (ytd only)6.4014%2,548
Net charge-offs to loans0.0897%1,265
Credit loss provision to net charge-offs500.0000%578
Earnings coverage of net charge-offs (x)27.8667%1,292
Efficiency ratio65.6532%3,228
Assets per employee ($millions)2.8301%5,268
Cash dividends to net income (ytd only)*57.4344%1,317
Condition Ratios (%)
Loss allowance to loans1.3117%2,189
Loan loss allowance to noncurrent loans562.2642%985
Noncurrent assets plus other real estate owned to assets0.1812%4,180
Noncurrent loans to loans0.2333%3,934
Net loans and leases to total assets76.6644%1,431
Net loans and leases to deposits85.7733%2,191
Net loans and leases to core deposits86.1976%2,791
Total domestic deposits to total assets89.3803%928
Equity capital to assets10.4693%3,108
Core capital (leverage) ratio10.3629%3,103
Tier 1 risk-based capital ratio11.3895%4,931
Total risk-based capital ratio12.4931%4,902
Memoranda:
Average total assets$88,052,0004,429
Average earning assets$81,966,0004,407
Average equity$9,123,0004,568
Average total loans$66,917,0004,036
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1945%451
Cost of funding earning assets0.1457%5,285
Net interest margin5.0489%219
Noninterest income to average assets0.8032%1,554
Noninterest expense to average assets3.6983%792
Loan and lease loss provision to assets0.1912%1,097
Net operating income to assets1.5739%685
Return on assets (ROA)1.5739%700
Pretax return on assets1.5739%1,369
Return on Equity (ROE)15.4367%553
Retained earnings to average equity (ytd only)5.8428%1,629
Net charge-offs to loans0.0891%2,201
Credit loss provision to net charge-offs284.4828%990
Earnings coverage of net charge-offs (x)26.2586%1,684
Efficiency ratio67.6920%2,952
Assets per employee ($millions)2.6779%5,390
Cash dividends to net income (ytd only)*62.1502%1,652
Condition Ratios (%)
Loss allowance to loans1.2698%2,378
Loan loss allowance to noncurrent loans772.2222%784
Noncurrent assets plus other real estate owned to assets0.1222%4,515
Noncurrent loans to loans0.1644%4,272
Net loans and leases to total assets73.3793%2,030
Net loans and leases to deposits81.7957%2,741
Net loans and leases to core deposits82.1959%3,231
Total domestic deposits to total assets89.7104%673
Equity capital to assets10.2534%3,430
Core capital (leverage) ratio10.0635%3,371
Tier 1 risk-based capital ratio11.6523%4,752
Total risk-based capital ratio12.7225%4,763
Memoranda:
Average total assets$86,283,2004,481
Average earning assets$79,641,4004,472
Average equity$8,797,2004,648
Average total loans$65,095,0004,066
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1688%442
Cost of funding earning assets0.1383%5,381
Net interest margin5.0305%215
Noninterest income to average assets0.7991%1,596
Noninterest expense to average assets3.7918%677
Loan and lease loss provision to assets0.1710%1,180
Net operating income to assets1.4738%950
Return on assets (ROA)1.4738%969
Pretax return on assets1.4738%1,867
Return on Equity (ROE)14.4764%738
Retained earnings to average equity (ytd only)4.9476%2,922
Net charge-offs to loans0.0452%2,538
Credit loss provision to net charge-offs500.0000%627
Earnings coverage of net charge-offs (x)48.0951%1,142
Efficiency ratio69.7455%2,578
Assets per employee ($millions)2.7123%5,432
Cash dividends to net income (ytd only)*65.8228%1,116
Condition Ratios (%)
Loss allowance to loans1.2818%2,450
Loan loss allowance to noncurrent loans476.6082%1,091
Noncurrent assets plus other real estate owned to assets0.1910%4,340
Noncurrent loans to loans0.2689%3,994
Net loans and leases to total assets70.1271%2,538
Net loans and leases to deposits78.1581%3,147
Net loans and leases to core deposits78.5356%3,586
Total domestic deposits to total assets89.7247%565
Equity capital to assets9.9323%3,989
Core capital (leverage) ratio10.3236%3,172
Tier 1 risk-based capital ratio11.7195%4,821
Total risk-based capital ratio12.7938%4,819
Memoranda:
Average total assets$85,761,2504,534
Average earning assets$79,062,7504,521
Average equity$8,731,2504,707
Average total loans$64,948,7504,102
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1740%416
Cost of funding earning assets0.1360%5,414
Net interest margin5.0380%207
Noninterest income to average assets0.8022%1,566
Noninterest expense to average assets3.8834%604
Loan and lease loss provision to assets0.1538%1,308
Net operating income to assets1.4104%1,044
Return on assets (ROA)1.4104%1,071
Pretax return on assets1.4104%1,981
Return on Equity (ROE)13.7354%862
Retained earnings to average equity (ytd only)5.3467%2,500
Net charge-offs to loans0.0214%2,795
Credit loss provision to net charge-offs928.5714%407
Earnings coverage of net charge-offs (x)94.4286%681
Efficiency ratio71.2858%2,472
Assets per employee ($millions)2.5420%5,534
Cash dividends to net income (ytd only)*61.0738%1,444
Condition Ratios (%)
Loss allowance to loans1.1884%3,095
Loan loss allowance to noncurrent loans519.8675%994
Noncurrent assets plus other real estate owned to assets0.1800%4,454
Noncurrent loans to loans0.2286%4,210
Net loans and leases to total assets77.8089%1,273
Net loans and leases to deposits87.1568%2,084
Net loans and leases to core deposits87.6072%2,739
Total domestic deposits to total assets89.2746%816
Equity capital to assets10.4894%3,362
Core capital (leverage) ratio10.5270%2,883
Tier 1 risk-based capital ratio11.4367%4,997
Total risk-based capital ratio12.4568%5,033
Memoranda:
Average total assets$84,513,0004,583
Average earning assets$77,927,6704,567
Average equity$8,678,3304,742
Average total loans$65,404,0004,118
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0462%483
Cost of funding earning assets0.1227%5,544
Net interest margin4.9235%253
Noninterest income to average assets0.7639%1,693
Noninterest expense to average assets3.8195%665
Loan and lease loss provision to assets0.1415%1,333
Net operating income to assets1.3439%1,129
Return on assets (ROA)1.3439%1,163
Pretax return on assets1.3439%2,082
Return on Equity (ROE)13.2281%952
Retained earnings to average equity (ytd only)5.1984%2,787
Net charge-offs to loans-0.0738%5,348
Credit loss provision to net charge-offs-250.0000%4,074
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0000%2,574
Assets per employee ($millions)2.5724%5,601
Cash dividends to net income (ytd only)*60.7018%1,404
Condition Ratios (%)
Loss allowance to loans1.1559%3,379
Loan loss allowance to noncurrent loans578.1955%946
Noncurrent assets plus other real estate owned to assets0.1567%4,630
Noncurrent loans to loans0.1999%4,404
Net loans and leases to total assets77.4635%1,204
Net loans and leases to deposits86.4304%1,984
Net loans and leases to core deposits86.8700%2,647
Total domestic deposits to total assets89.6253%844
Equity capital to assets10.2169%3,497
Core capital (leverage) ratio10.1888%3,252
Tier 1 risk-based capital ratio12.7642%4,219
Total risk-based capital ratio13.8959%4,200
Memoranda:
Average total assets$84,827,0004,625
Average earning assets$78,237,0004,606
Average equity$8,618,0004,791
Average total loans$65,078,5004,154
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8326%833
Cost of funding earning assets0.1260%5,581
Net interest margin4.7066%419
Noninterest income to average assets0.8197%1,681
Noninterest expense to average assets3.7524%821
Loan and lease loss provision to assets0.0952%2,460
Net operating income to assets1.3265%1,154
Return on assets (ROA)1.3265%1,208
Pretax return on assets1.3265%2,190
Return on Equity (ROE)13.1446%961
Retained earnings to average equity (ytd only)2.8175%3,898
Net charge-offs to loans0.0658%2,757
Credit loss provision to net charge-offs195.1220%1,447
Earnings coverage of net charge-offs (x)29.1463%1,455
Efficiency ratio72.5224%2,503
Assets per employee ($millions)2.4931%5,660
Cash dividends to net income (ytd only)*78.5650%959
Condition Ratios (%)
Loss allowance to loans1.1425%3,476
Loan loss allowance to noncurrent loans430.1775%1,192
Noncurrent assets plus other real estate owned to assets0.1994%4,524
Noncurrent loans to loans0.2656%4,203
Net loans and leases to total assets74.2087%1,814
Net loans and leases to deposits82.5878%2,600
Net loans and leases to core deposits82.9910%3,127
Total domestic deposits to total assets89.8543%700
Equity capital to assets10.1020%3,603
Core capital (leverage) ratio10.2308%3,191
Tier 1 risk-based capital ratio12.9380%4,111
Total risk-based capital ratio14.0364%4,100
Memoranda:
Average total assets$84,053,8004,650
Average earning assets$77,763,4004,632
Average equity$8,482,6004,845
Average total loans$62,325,0004,216
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8204%861
Cost of funding earning assets0.1253%5,648
Net interest margin4.6951%434
Noninterest income to average assets0.8393%1,610
Noninterest expense to average assets3.7785%762
Loan and lease loss provision to assets0.0715%2,783
Net operating income to assets1.3369%1,194
Return on assets (ROA)1.3369%1,278
Pretax return on assets1.3369%2,283
Return on Equity (ROE)13.2503%980
Retained earnings to average equity (ytd only)1.9694%4,703
Net charge-offs to loans0.0624%2,461
Credit loss provision to net charge-offs155.1724%1,734
Earnings coverage of net charge-offs (x)30.5482%1,471
Efficiency ratio72.8471%2,456
Assets per employee ($millions)2.4539%5,752
Cash dividends to net income (ytd only)*85.1361%621
Condition Ratios (%)
Loss allowance to loans1.1347%3,647
Loan loss allowance to noncurrent loans521.4815%1,017
Noncurrent assets plus other real estate owned to assets0.1618%4,786
Noncurrent loans to loans0.2176%4,486
Net loans and leases to total assets73.5192%1,948
Net loans and leases to deposits82.1690%2,708
Net loans and leases to core deposits82.5783%3,241
Total domestic deposits to total assets89.4731%679
Equity capital to assets10.1517%3,981
Core capital (leverage) ratio10.3611%3,146
Tier 1 risk-based capital ratio13.0911%4,105
Total risk-based capital ratio14.1813%4,111
Memoranda:
Average total assets$83,876,0004,687
Average earning assets$77,668,0004,674
Average equity$8,462,5004,901
Average total loans$61,998,7504,258
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7210%1,006
Cost of funding earning assets0.1255%5,727
Net interest margin4.5956%515
Noninterest income to average assets0.8188%1,647
Noninterest expense to average assets3.6728%913
Loan and lease loss provision to assets0.0238%3,654
Net operating income to assets1.3949%1,068
Return on assets (ROA)1.3949%1,130
Pretax return on assets1.3949%2,052
Return on Equity (ROE)13.8534%861
Retained earnings to average equity (ytd only)5.2719%2,568
Net charge-offs to loans0.0516%2,462
Credit loss provision to net charge-offs62.5000%2,547
Earnings coverage of net charge-offs (x)37.2500%1,206
Efficiency ratio72.1365%2,626
Assets per employee ($millions)2.4784%5,798
Cash dividends to net income (ytd only)*61.9454%1,454
Condition Ratios (%)
Loss allowance to loans1.0680%4,118
Loan loss allowance to noncurrent loans463.9456%1,139
Noncurrent assets plus other real estate owned to assets0.1797%4,776
Noncurrent loans to loans0.2302%4,520
Net loans and leases to total assets77.2461%1,297
Net loans and leases to deposits86.5476%2,182
Net loans and leases to core deposits86.9765%2,819
Total domestic deposits to total assets89.2527%786
Equity capital to assets10.4820%3,655
Core capital (leverage) ratio10.3726%3,108
Tier 1 risk-based capital ratio13.0904%4,148
Total risk-based capital ratio14.1342%4,183
Memoranda:
Average total assets$84,023,3304,720
Average earning assets$78,118,6704,698
Average equity$8,460,0004,929
Average total loans$61,983,6704,285
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5998%1,264
Cost of funding earning assets0.1261%5,781
Net interest margin4.4737%639
Noninterest income to average assets0.8128%1,581
Noninterest expense to average assets3.5612%1,081
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.4188%1,012
Return on assets (ROA)1.4188%1,066
Pretax return on assets1.4188%1,850
Return on Equity (ROE)14.3750%769
Retained earnings to average equity (ytd only)5.5691%2,603
Net charge-offs to loans-0.0983%5,626
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.5094%2,872
Assets per employee ($millions)2.5561%5,820
Cash dividends to net income (ytd only)*61.2583%1,405
Condition Ratios (%)
Loss allowance to loans1.1443%3,806
Loan loss allowance to noncurrent loans1,378.4314%438
Noncurrent assets plus other real estate owned to assets0.0605%5,362
Noncurrent loans to loans0.0830%5,148
Net loans and leases to total assets71.9980%2,041
Net loans and leases to deposits80.1613%2,769
Net loans and leases to core deposits80.5440%3,280
Total domestic deposits to total assets89.8164%670
Equity capital to assets10.0366%4,033
Core capital (leverage) ratio9.8859%3,680
Tier 1 risk-based capital ratio11.6589%5,129
Total risk-based capital ratio12.6292%5,200
Memoranda:
Average total assets$85,141,0004,748
Average earning assets$79,308,0004,721
Average equity$8,403,5004,974
Average total loans$61,045,5004,341
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7373%1,032
Cost of funding earning assets0.1318%5,803
Net interest margin4.6055%541
Noninterest income to average assets0.7932%1,813
Noninterest expense to average assets3.5916%1,142
Loan and lease loss provision to assets0.1425%1,667
Net operating income to assets1.3183%1,228
Return on assets (ROA)1.3183%1,271
Pretax return on assets1.3183%2,208
Return on Equity (ROE)13.4268%963
Retained earnings to average equity (ytd only)4.8322%2,542
Net charge-offs to loans0.0718%2,807
Credit loss provision to net charge-offs274.4186%1,057
Earnings coverage of net charge-offs (x)28.1395%1,518
Efficiency ratio71.0872%3,054
Assets per employee ($millions)2.6040%5,840
Cash dividends to net income (ytd only)*64.0110%1,533
Condition Ratios (%)
Loss allowance to loans1.1342%3,839
Loan loss allowance to noncurrent loans625.4545%888
Noncurrent assets plus other real estate owned to assets0.1280%5,085
Noncurrent loans to loans0.1813%4,768
Net loans and leases to total assets69.7874%2,401
Net loans and leases to deposits77.3135%3,126
Net loans and leases to core deposits77.6640%3,585
Total domestic deposits to total assets90.2654%519
Equity capital to assets9.7066%4,295
Core capital (leverage) ratio9.5690%4,085
Tier 1 risk-based capital ratio13.5005%4,008
Total risk-based capital ratio14.6141%4,015
Memoranda:
Average total assets$82,833,0004,811
Average earning assets$76,604,4004,796
Average equity$8,133,0005,035
Average total loans$59,866,6004,382
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7866%958
Cost of funding earning assets0.1320%5,902
Net interest margin4.6546%493
Noninterest income to average assets0.7864%1,849
Noninterest expense to average assets3.5843%1,147
Loan and lease loss provision to assets0.1755%1,208
Net operating income to assets1.3242%1,279
Return on assets (ROA)1.3242%1,338
Pretax return on assets1.3242%2,303
Return on Equity (ROE)13.4469%1,019
Retained earnings to average equity (ytd only)4.8177%3,035
Net charge-offs to loans0.0693%2,570
Credit loss provision to net charge-offs348.3871%846
Earnings coverage of net charge-offs (x)29.7759%1,504
Efficiency ratio70.5018%3,136
Assets per employee ($millions)2.7117%5,827
Cash dividends to net income (ytd only)*64.1721%1,247
Condition Ratios (%)
Loss allowance to loans1.1630%3,851
Loan loss allowance to noncurrent loans841.4634%673
Noncurrent assets plus other real estate owned to assets0.0945%5,370
Noncurrent loans to loans0.1382%5,081
Net loans and leases to total assets67.5744%2,756
Net loans and leases to deposits74.8685%3,437
Net loans and leases to core deposits75.2046%3,881
Total domestic deposits to total assets90.2575%485
Equity capital to assets9.5052%4,745
Core capital (leverage) ratio9.7130%4,017
Tier 1 risk-based capital ratio11.7899%5,210
Total risk-based capital ratio12.7762%5,282
Memoranda:
Average total assets$82,058,5004,883
Average earning assets$75,765,5004,873
Average equity$8,081,0005,110
Average total loans$59,669,0004,432
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8859%756
Cost of funding earning assets0.1321%5,971
Net interest margin4.7539%397
Noninterest income to average assets0.7877%1,834
Noninterest expense to average assets3.6702%1,027
Loan and lease loss provision to assets0.1739%1,198
Net operating income to assets1.3269%1,248
Return on assets (ROA)1.3269%1,295
Pretax return on assets1.3269%2,254
Return on Equity (ROE)13.3079%1,053
Retained earnings to average equity (ytd only)4.7101%3,048
Net charge-offs to loans0.0201%3,280
Credit loss provision to net charge-offs1,166.6667%305
Earnings coverage of net charge-offs (x)100.6667%595
Efficiency ratio70.9755%3,159
Assets per employee ($millions)2.6582%5,946
Cash dividends to net income (ytd only)*64.6067%1,383
Condition Ratios (%)
Loss allowance to loans1.1020%4,309
Loan loss allowance to noncurrent loans1,611.9048%359
Noncurrent assets plus other real estate owned to assets0.0494%5,659
Noncurrent loans to loans0.0684%5,463
Net loans and leases to total assets71.4267%2,081
Net loans and leases to deposits79.1963%2,884
Net loans and leases to core deposits79.5624%3,436
Total domestic deposits to total assets90.1895%583
Equity capital to assets9.5566%4,586
Core capital (leverage) ratio9.9132%3,721
Tier 1 risk-based capital ratio13.0067%4,519
Total risk-based capital ratio14.0906%4,523
Memoranda:
Average total assets$80,486,6704,967
Average earning assets$74,213,3304,956
Average equity$8,025,3305,160
Average total loans$59,783,0004,471
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9259%659
Cost of funding earning assets0.1393%6,001
Net interest margin4.7866%362
Noninterest income to average assets0.8082%1,684
Noninterest expense to average assets3.8875%785
Loan and lease loss provision to assets0.1790%1,075
Net operating income to assets1.1356%1,741
Return on assets (ROA)1.1356%1,850
Pretax return on assets1.1356%2,925
Return on Equity (ROE)11.1369%1,598
Retained earnings to average equity (ytd only)3.2106%4,064
Net charge-offs to loans0.0339%2,524
Credit loss provision to net charge-offs700.0000%430
Earnings coverage of net charge-offs (x)51.4000%821
Efficiency ratio74.7296%2,701
Assets per employee ($millions)2.3423%6,179
Cash dividends to net income (ytd only)*71.1712%1,149
Condition Ratios (%)
Loss allowance to loans1.0741%4,639
Loan loss allowance to noncurrent loans255.1587%1,820
Noncurrent assets plus other real estate owned to assets0.3164%4,721
Noncurrent loans to loans0.4209%4,331
Net loans and leases to total assets74.3653%1,446
Net loans and leases to deposits82.7819%2,235
Net loans and leases to core deposits83.1924%2,848
Total domestic deposits to total assets89.8327%820
Equity capital to assets10.0668%4,066
Core capital (leverage) ratio10.2527%3,279
Tier 1 risk-based capital ratio13.4405%4,356
Total risk-based capital ratio14.5185%4,368
Memoranda:
Average total assets$78,199,0005,065
Average earning assets$71,784,0005,053
Average equity$7,973,5005,219
Average total loans$58,957,5004,521
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8706%972
Cost of funding earning assets0.1425%6,142
Net interest margin4.7282%500
Noninterest income to average assets0.8827%1,558
Noninterest expense to average assets3.7482%1,067
Loan and lease loss provision to assets0.0867%2,739
Net operating income to assets1.3401%1,208
Return on assets (ROA)1.3401%1,257
Pretax return on assets1.3401%2,107
Return on Equity (ROE)13.0033%1,137
Retained earnings to average equity (ytd only)4.7873%2,770
Net charge-offs to loans0.0866%3,254
Credit loss provision to net charge-offs138.2979%1,712
Earnings coverage of net charge-offs (x)22.7660%1,613
Efficiency ratio72.4298%3,127
Assets per employee ($millions)2.3261%6,262
Cash dividends to net income (ytd only)*63.1841%1,594
Condition Ratios (%)
Loss allowance to loans1.0560%4,781
Loan loss allowance to noncurrent loans211.3793%2,140
Noncurrent assets plus other real estate owned to assets0.3778%4,562
Noncurrent loans to loans0.4996%4,165
Net loans and leases to total assets74.8254%1,447
Net loans and leases to deposits83.4607%2,279
Net loans and leases to core deposits83.8935%2,912
Total domestic deposits to total assets89.6535%897
Equity capital to assets10.3309%3,687
Core capital (leverage) ratio10.3507%3,114
Tier 1 risk-based capital ratio13.7591%4,260
Total risk-based capital ratio14.8219%4,303
Memoranda:
Average total assets$74,995,0005,175
Average earning assets$68,081,4005,168
Average equity$7,728,8005,260
Average total loans$54,299,6004,680
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8307%1,057
Cost of funding earning assets0.1419%6,234
Net interest margin4.6888%515
Noninterest income to average assets0.8602%1,659
Noninterest expense to average assets3.7538%1,033
Loan and lease loss provision to assets0.0590%3,189
Net operating income to assets1.3019%1,363
Return on assets (ROA)1.3019%1,422
Pretax return on assets1.3019%2,371
Return on Equity (ROE)12.6410%1,310
Retained earnings to average equity (ytd only)4.6535%3,320
Net charge-offs to loans-0.0175%5,578
Credit loss provision to net charge-offs-471.4286%5,733
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3916%2,924
Assets per employee ($millions)2.4419%6,264
Cash dividends to net income (ytd only)*63.1872%1,252
Condition Ratios (%)
Loss allowance to loans1.1252%4,636
Loan loss allowance to noncurrent loans168.8830%2,475
Noncurrent assets plus other real estate owned to assets0.4967%4,398
Noncurrent loans to loans0.6663%3,942
Net loans and leases to total assets73.7126%1,571
Net loans and leases to deposits82.4392%2,368
Net loans and leases to core deposits82.8727%3,018
Total domestic deposits to total assets89.4145%1,020
Equity capital to assets10.3437%3,743
Core capital (leverage) ratio10.4401%3,108
Tier 1 risk-based capital ratio14.0307%4,190
Total risk-based capital ratio15.1678%4,218
Memoranda:
Average total assets$74,553,7505,243
Average earning assets$67,649,5005,237
Average equity$7,678,5005,318
Average total loans$53,362,2504,757
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7751%1,120
Cost of funding earning assets0.1433%6,305
Net interest margin4.6318%553
Noninterest income to average assets0.8386%1,708
Noninterest expense to average assets3.7507%1,046
Loan and lease loss provision to assets0.0351%3,588
Net operating income to assets1.2377%1,483
Return on assets (ROA)1.2377%1,546
Pretax return on assets1.2377%2,512
Return on Equity (ROE)12.0346%1,413
Retained earnings to average equity (ytd only)4.1426%3,540
Net charge-offs to loans-0.0038%5,140
Credit loss provision to net charge-offs-1,300.0000%5,765
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6645%2,863
Assets per employee ($millions)2.5279%6,273
Cash dividends to net income (ytd only)*65.5773%1,309
Condition Ratios (%)
Loss allowance to loans1.1317%4,755
Loan loss allowance to noncurrent loans173.0114%2,411
Noncurrent assets plus other real estate owned to assets0.4641%4,603
Noncurrent loans to loans0.6541%4,070
Net loans and leases to total assets70.1561%2,056
Net loans and leases to deposits78.2300%2,768
Net loans and leases to core deposits78.6230%3,366
Total domestic deposits to total assets89.6793%980
Equity capital to assets10.1822%3,857
Core capital (leverage) ratio10.3853%3,098
Tier 1 risk-based capital ratio14.3393%4,035
Total risk-based capital ratio15.4699%4,049
Memoranda:
Average total assets$74,172,3305,289
Average earning assets$67,014,6705,299
Average equity$7,628,0005,366
Average total loans$52,338,3304,814
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7852%1,078
Cost of funding earning assets0.1391%6,405
Net interest margin4.6460%515
Noninterest income to average assets0.8181%1,683
Noninterest expense to average assets3.7906%999
Loan and lease loss provision to assets0.0654%2,815
Net operating income to assets1.1508%1,628
Return on assets (ROA)1.1508%1,698
Pretax return on assets1.1508%2,694
Return on Equity (ROE)11.1331%1,640
Retained earnings to average equity (ytd only)3.9045%3,774
Net charge-offs to loans0.0543%2,621
Credit loss provision to net charge-offs171.4286%1,153
Earnings coverage of net charge-offs (x)31.8571%1,011
Efficiency ratio75.7081%2,847
Assets per employee ($millions)2.4107%6,416
Cash dividends to net income (ytd only)*64.9289%1,270
Condition Ratios (%)
Loss allowance to loans1.1527%4,855
Loan loss allowance to noncurrent loans262.0087%1,672
Noncurrent assets plus other real estate owned to assets0.3064%5,238
Noncurrent loans to loans0.4400%4,824
Net loans and leases to total assets68.8460%2,078
Net loans and leases to deposits76.7613%2,720
Net loans and leases to core deposits77.1526%3,289
Total domestic deposits to total assets89.6885%1,249
Equity capital to assets10.2085%3,588
Core capital (leverage) ratio10.4977%2,935
Tier 1 risk-based capital ratio14.5447%3,983
Total risk-based capital ratio15.6872%3,996
Memoranda:
Average total assets$73,339,5005,357
Average earning assets$66,121,0005,373
Average equity$7,581,0005,400
Average total loans$51,600,5004,879
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8396%1,228
Cost of funding earning assets0.1540%6,520
Net interest margin4.6855%524
Noninterest income to average assets0.9341%1,569
Noninterest expense to average assets3.8437%1,069
Loan and lease loss provision to assets0.0809%3,496
Net operating income to assets1.2506%1,388
Return on assets (ROA)1.2506%1,445
Pretax return on assets1.2506%2,361
Return on Equity (ROE)12.1426%1,374
Retained earnings to average equity (ytd only)4.2777%3,131
Net charge-offs to loans-0.0121%6,051
Credit loss provision to net charge-offs-966.6667%6,220
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.2726%3,089
Assets per employee ($millions)2.3209%6,510
Cash dividends to net income (ytd only)*64.7715%1,549
Condition Ratios (%)
Loss allowance to loans1.1632%4,847
Loan loss allowance to noncurrent loans104.0210%3,525
Noncurrent assets plus other real estate owned to assets0.7950%3,895
Noncurrent loans to loans1.1183%3,299
Net loans and leases to total assets70.2684%1,971
Net loans and leases to deposits78.5068%2,655
Net loans and leases to core deposits78.8988%3,252
Total domestic deposits to total assets89.5062%1,331
Equity capital to assets10.4702%3,203
Core capital (leverage) ratio10.3624%3,070
Tier 1 risk-based capital ratio14.8793%3,735
Total risk-based capital ratio16.0495%3,727
Memoranda:
Average total assets$71,727,0005,424
Average earning assets$64,923,2005,438
Average equity$7,387,2005,479
Average total loans$49,719,4004,968
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8142%1,318
Cost of funding earning assets0.1542%6,619
Net interest margin4.6599%554
Noninterest income to average assets0.9227%1,680
Noninterest expense to average assets3.9140%949
Loan and lease loss provision to assets0.0744%3,567
Net operating income to assets1.1497%1,816
Return on assets (ROA)1.1497%1,890
Pretax return on assets1.1497%2,895
Return on Equity (ROE)11.2095%1,745
Retained earnings to average equity (ytd only)3.5732%4,154
Net charge-offs to loans-0.0162%6,000
Credit loss provision to net charge-offs-666.6667%6,109
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.1767%2,708
Assets per employee ($millions)2.3526%6,566
Cash dividends to net income (ytd only)*68.1230%1,144
Condition Ratios (%)
Loss allowance to loans1.1545%5,099
Loan loss allowance to noncurrent loans214.4981%1,873
Noncurrent assets plus other real estate owned to assets0.3688%5,299
Noncurrent loans to loans0.5382%4,849
Net loans and leases to total assets67.7357%2,332
Net loans and leases to deposits75.6477%3,007
Net loans and leases to core deposits76.0203%3,613
Total domestic deposits to total assets89.5409%1,270
Equity capital to assets10.1944%3,653
Core capital (leverage) ratio10.5650%2,934
Tier 1 risk-based capital ratio14.0428%4,392
Total risk-based capital ratio15.1307%4,472
Memoranda:
Average total assets$71,672,0005,483
Average earning assets$64,835,0005,496
Average equity$7,350,7505,550
Average total loans$49,361,5005,032
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7008%1,568
Cost of funding earning assets0.1548%6,692
Net interest margin4.5459%653
Noninterest income to average assets1.0358%1,422
Noninterest expense to average assets3.8904%993
Loan and lease loss provision to assets0.0786%3,485
Net operating income to assets1.1873%1,625
Return on assets (ROA)1.1873%1,733
Pretax return on assets1.1873%2,730
Return on Equity (ROE)11.5532%1,619
Retained earnings to average equity (ytd only)3.7691%3,900
Net charge-offs to loans-0.0529%6,288
Credit loss provision to net charge-offs-215.3846%5,750
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4491%2,867
Assets per employee ($millions)2.3479%6,613
Cash dividends to net income (ytd only)*67.3759%1,283
Condition Ratios (%)
Loss allowance to loans1.1299%5,319
Loan loss allowance to noncurrent loans203.5587%1,959
Noncurrent assets plus other real estate owned to assets0.3989%5,285
Noncurrent loans to loans0.5551%4,872
Net loans and leases to total assets71.0582%1,716
Net loans and leases to deposits79.5297%2,400
Net loans and leases to core deposits80.2373%3,000
Total domestic deposits to total assets89.3481%1,413
Equity capital to assets10.4546%3,365
Core capital (leverage) ratio10.3766%3,013
Tier 1 risk-based capital ratio14.8159%3,898
Total risk-based capital ratio15.9629%3,928
Memoranda:
Average total assets$71,252,0005,532
Average earning assets$64,585,3305,542
Average equity$7,322,6705,600
Average total loans$49,156,0005,062
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6674%1,627
Cost of funding earning assets0.1539%6,785
Net interest margin4.5135%666
Noninterest income to average assets1.0159%1,433
Noninterest expense to average assets4.0023%884
Loan and lease loss provision to assets0.0837%3,255
Net operating income to assets1.0215%2,138
Return on assets (ROA)1.0215%2,253
Pretax return on assets1.0215%3,257
Return on Equity (ROE)10.0247%2,055
Retained earnings to average equity (ytd only)3.0129%4,479
Net charge-offs to loans-0.0743%6,304
Credit loss provision to net charge-offs-166.6667%5,218
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.3607%2,555
Assets per employee ($millions)2.3306%6,709
Cash dividends to net income (ytd only)*69.9454%1,087
Condition Ratios (%)
Loss allowance to loans1.1456%5,427
Loan loss allowance to noncurrent loans186.2416%2,006
Noncurrent assets plus other real estate owned to assets0.5301%5,067
Noncurrent loans to loans0.6151%4,908
Net loans and leases to total assets66.2874%2,318
Net loans and leases to deposits73.8607%2,933
Net loans and leases to core deposits74.4972%3,518
Total domestic deposits to total assets89.7466%1,186
Equity capital to assets10.1413%3,966
Core capital (leverage) ratio10.2499%3,077
Tier 1 risk-based capital ratio15.0818%3,785
Total risk-based capital ratio16.2276%3,810
Memoranda:
Average total assets$71,659,0005,574
Average earning assets$64,961,0005,582
Average equity$7,302,0005,664
Average total loans$48,422,0005,115
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8471%2,027
Cost of funding earning assets0.1969%6,843
Net interest margin4.6502%714
Noninterest income to average assets0.9471%1,714
Noninterest expense to average assets3.8609%1,149
Loan and lease loss provision to assets0.1046%4,330
Net operating income to assets1.1661%1,709
Return on assets (ROA)1.1661%1,870
Pretax return on assets1.1661%2,917
Return on Equity (ROE)11.7634%1,574
Retained earnings to average equity (ytd only)3.5740%3,693
Net charge-offs to loans0.0447%5,285
Credit loss provision to net charge-offs357.1429%683
Earnings coverage of net charge-offs (x)43.3810%749
Efficiency ratio75.2378%2,869
Assets per employee ($millions)2.2925%6,778
Cash dividends to net income (ytd only)*69.6172%1,388
Condition Ratios (%)
Loss allowance to loans1.0972%5,565
Loan loss allowance to noncurrent loans368.7500%1,076
Noncurrent assets plus other real estate owned to assets0.3433%5,654
Noncurrent loans to loans0.2975%5,733
Net loans and leases to total assets67.3514%2,305
Net loans and leases to deposits75.0510%2,956
Net loans and leases to core deposits75.6966%3,574
Total domestic deposits to total assets89.7410%1,098
Equity capital to assets10.2393%3,842
Core capital (leverage) ratio10.0892%3,288
Tier 1 risk-based capital ratio15.0029%3,718
Total risk-based capital ratio16.1017%3,759
Memoranda:
Average total assets$71,692,4005,585
Average earning assets$64,512,8005,598
Average equity$7,106,8005,733
Average total loans$46,934,6005,214
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8153%2,339
Cost of funding earning assets0.2043%6,943
Net interest margin4.6110%798
Noninterest income to average assets0.9279%1,742
Noninterest expense to average assets3.9916%943
Loan and lease loss provision to assets0.0835%4,572
Net operating income to assets0.9984%2,513
Return on assets (ROA)0.9984%2,737
Pretax return on assets0.9984%3,720
Return on Equity (ROE)10.1542%2,275
Retained earnings to average equity (ytd only)2.6235%4,991
Net charge-offs to loans0.0830%4,564
Credit loss provision to net charge-offs155.1724%1,816
Earnings coverage of net charge-offs (x)20.1011%1,462
Efficiency ratio78.6759%2,287
Assets per employee ($millions)2.2865%6,868
Cash dividends to net income (ytd only)*74.1636%797
Condition Ratios (%)
Loss allowance to loans1.0446%5,913
Loan loss allowance to noncurrent loans880.3571%486
Noncurrent assets plus other real estate owned to assets0.2342%6,113
Noncurrent loans to loans0.1187%6,314
Net loans and leases to total assets65.8856%2,674
Net loans and leases to deposits73.4142%3,382
Net loans and leases to core deposits74.3540%3,931
Total domestic deposits to total assets89.7449%971
Equity capital to assets10.0561%4,412
Core capital (leverage) ratio10.0549%3,467
Tier 1 risk-based capital ratio14.9364%3,892
Total risk-based capital ratio15.9750%3,996
Memoranda:
Average total assets$71,848,2505,638
Average earning assets$64,597,5005,654
Average equity$7,064,2505,809
Average total loans$46,569,0005,292
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7927%2,539
Cost of funding earning assets0.2167%6,995
Net interest margin4.5759%867
Noninterest income to average assets0.9256%1,684
Noninterest expense to average assets3.9822%962
Loan and lease loss provision to assets0.0693%4,762
Net operating income to assets0.9699%2,586
Return on assets (ROA)0.9699%2,830
Pretax return on assets0.9699%3,820
Return on Equity (ROE)9.9389%2,381
Retained earnings to average equity (ytd only)2.3002%5,042
Net charge-offs to loans0.0733%4,413
Credit loss provision to net charge-offs147.0588%1,881
Earnings coverage of net charge-offs (x)22.0588%1,319
Efficiency ratio79.3046%2,288
Assets per employee ($millions)2.2804%6,922
Cash dividends to net income (ytd only)*76.8571%869
Condition Ratios (%)
Loss allowance to loans1.0504%5,956
Loan loss allowance to noncurrent loans702.8986%559
Noncurrent assets plus other real estate owned to assets0.2829%6,066
Noncurrent loans to loans0.1494%6,291
Net loans and leases to total assets64.6302%2,901
Net loans and leases to deposits71.9546%3,617
Net loans and leases to core deposits72.8495%4,193
Total domestic deposits to total assets89.8208%1,033
Equity capital to assets10.0066%4,328
Core capital (leverage) ratio9.7240%3,799
Tier 1 risk-based capital ratio14.3478%4,211
Total risk-based capital ratio15.3374%4,341
Memoranda:
Average total assets$72,170,3305,663
Average earning assets$64,598,6705,687
Average equity$7,043,0005,838
Average total loans$46,360,6705,331
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8134%2,578
Cost of funding earning assets0.2275%7,062
Net interest margin4.5859%847
Noninterest income to average assets0.9217%1,659
Noninterest expense to average assets3.9392%1,006
Loan and lease loss provision to assets0.0823%4,361
Net operating income to assets0.9930%2,508
Return on assets (ROA)0.9930%2,703
Pretax return on assets0.9930%3,699
Return on Equity (ROE)10.3024%2,301
Retained earnings to average equity (ytd only)1.9922%5,272
Net charge-offs to loans0.4391%1,998
Credit loss provision to net charge-offs29.4118%3,630
Earnings coverage of net charge-offs (x)3.8431%2,729
Efficiency ratio78.5558%2,418
Assets per employee ($millions)2.3992%6,926
Cash dividends to net income (ytd only)*80.6630%803
Condition Ratios (%)
Loss allowance to loans0.9747%6,339
Loan loss allowance to noncurrent loans350.0000%956
Noncurrent assets plus other real estate owned to assets0.3308%6,051
Noncurrent loans to loans0.2785%6,124
Net loans and leases to total assets60.2385%3,613
Net loans and leases to deposits66.6126%4,291
Net loans and leases to core deposits67.6568%4,720
Total domestic deposits to total assets90.4311%845
Equity capital to assets9.4627%4,864
Core capital (leverage) ratio9.5498%3,980
Tier 1 risk-based capital ratio15.1054%3,687
Total risk-based capital ratio16.0588%3,847
Memoranda:
Average total assets$72,909,0005,684
Average earning assets$65,069,0005,717
Average equity$7,027,5005,864
Average total loans$46,454,0005,361
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1260%2,351
Cost of funding earning assets0.3306%7,052
Net interest margin4.7954%632
Noninterest income to average assets0.9533%1,498
Noninterest expense to average assets3.8543%1,252
Loan and lease loss provision to assets0.1747%4,453
Net operating income to assets1.3141%1,205
Return on assets (ROA)1.3141%1,310
Pretax return on assets1.3141%2,073
Return on Equity (ROE)13.5001%1,047
Retained earnings to average equity (ytd only)4.8017%2,788
Net charge-offs to loans0.2434%4,260
Credit loss provision to net charge-offs106.0345%3,215
Earnings coverage of net charge-offs (x)9.0345%2,046
Efficiency ratio72.1351%3,549
Assets per employee ($millions)2.3046%7,011
Cash dividends to net income (ytd only)*64.4324%1,374
Condition Ratios (%)
Loss allowance to loans1.0008%6,215
Loan loss allowance to noncurrent loans169.7509%1,912
Noncurrent assets plus other real estate owned to assets0.5613%5,568
Noncurrent loans to loans0.5895%5,536
Net loans and leases to total assets66.0494%2,775
Net loans and leases to deposits73.2706%3,618
Net loans and leases to core deposits74.4592%4,181
Total domestic deposits to total assets90.1445%915
Equity capital to assets9.8220%4,414
Core capital (leverage) ratio9.6715%3,773
Tier 1 risk-based capital ratio14.2430%4,151
Total risk-based capital ratio15.2204%4,298
Memoranda:
Average total assets$70,389,2005,731
Average earning assets$64,436,8005,720
Average equity$6,851,8005,908
Average total loans$47,666,8005,361
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1189%2,517
Cost of funding earning assets0.3531%7,117
Net interest margin4.7658%669
Noninterest income to average assets0.9259%1,560
Noninterest expense to average assets3.9072%1,138
Loan and lease loss provision to assets0.1616%4,449
Net operating income to assets1.2453%1,531
Return on assets (ROA)1.2453%1,633
Pretax return on assets1.2453%2,469
Return on Equity (ROE)12.8230%1,325
Retained earnings to average equity (ytd only)4.2483%3,705
Net charge-offs to loans0.2378%3,936
Credit loss provision to net charge-offs100.0000%3,366
Earnings coverage of net charge-offs (x)8.7059%2,138
Efficiency ratio73.5242%3,271
Assets per employee ($millions)2.3858%7,004
Cash dividends to net income (ytd only)*66.8709%971
Condition Ratios (%)
Loss allowance to loans0.9726%6,380
Loan loss allowance to noncurrent loans188.0000%1,633
Noncurrent assets plus other real estate owned to assets0.5169%5,796
Noncurrent loans to loans0.5173%5,814
Net loans and leases to total assets66.8609%2,701
Net loans and leases to deposits74.2456%3,625
Net loans and leases to core deposits75.4478%4,256
Total domestic deposits to total assets90.0537%838
Equity capital to assets9.6683%4,832
Core capital (leverage) ratio9.5545%4,067
Tier 1 risk-based capital ratio14.2100%4,192
Total risk-based capital ratio15.1866%4,363
Memoranda:
Average total assets$70,126,0005,779
Average earning assets$64,569,5005,756
Average equity$6,810,5005,965
Average total loans$47,667,5005,400
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1372%2,525
Cost of funding earning assets0.3757%7,183
Net interest margin4.7616%643
Noninterest income to average assets0.9793%1,378
Noninterest expense to average assets3.9458%1,124
Loan and lease loss provision to assets0.1378%4,578
Net operating income to assets1.2636%1,413
Return on assets (ROA)1.2636%1,476
Pretax return on assets1.2636%2,255
Return on Equity (ROE)12.9908%1,201
Retained earnings to average equity (ytd only)4.1630%3,546
Net charge-offs to loans0.0590%5,060
Credit loss provision to net charge-offs342.8571%892
Earnings coverage of net charge-offs (x)34.8571%823
Efficiency ratio73.7916%3,395
Assets per employee ($millions)2.2749%7,137
Cash dividends to net income (ytd only)*67.9545%1,086
Condition Ratios (%)
Loss allowance to loans1.0490%6,149
Loan loss allowance to noncurrent loans132.9815%2,214
Noncurrent assets plus other real estate owned to assets0.7657%5,368
Noncurrent loans to loans0.7888%5,333
Net loans and leases to total assets67.4130%2,731
Net loans and leases to deposits74.8147%3,672
Net loans and leases to core deposits75.7336%4,350
Total domestic deposits to total assets90.1066%919
Equity capital to assets9.7161%4,515
Core capital (leverage) ratio9.6882%3,676
Tier 1 risk-based capital ratio13.2458%4,732
Total risk-based capital ratio14.2323%4,911
Memoranda:
Average total assets$69,643,3305,837
Average earning assets$63,886,3305,830
Average equity$6,774,0005,996
Average total loans$47,448,3305,459
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0982%2,660
Cost of funding earning assets0.4058%7,213
Net interest margin4.6924%719
Noninterest income to average assets1.0346%1,228
Noninterest expense to average assets3.9477%1,103
Loan and lease loss provision to assets0.2196%3,459
Net operating income to assets1.1444%1,685
Return on assets (ROA)1.1444%1,735
Pretax return on assets1.1444%2,589
Return on Equity (ROE)11.7595%1,531
Retained earnings to average equity (ytd only)2.7914%4,495
Net charge-offs to loans0.0848%4,102
Credit loss provision to net charge-offs380.0000%871
Earnings coverage of net charge-offs (x)23.6000%1,011
Efficiency ratio74.3199%3,461
Assets per employee ($millions)2.2731%7,199
Cash dividends to net income (ytd only)*76.2626%912
Condition Ratios (%)
Loss allowance to loans1.0233%6,303
Loan loss allowance to noncurrent loans131.0526%2,240
Noncurrent assets plus other real estate owned to assets0.8080%5,293
Noncurrent loans to loans0.7809%5,474
Net loans and leases to total assets70.6308%2,001
Net loans and leases to deposits78.5000%2,977
Net loans and leases to core deposits79.4989%3,820
Total domestic deposits to total assets89.9757%1,162
Equity capital to assets9.9026%3,898
Core capital (leverage) ratio9.6864%3,546
Tier 1 risk-based capital ratio13.6794%4,301
Total risk-based capital ratio14.7005%4,441
Memoranda:
Average total assets$69,204,0005,888
Average earning assets$63,081,0005,893
Average equity$6,735,0006,015
Average total loans$47,150,0005,512
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3852%2,746
Cost of funding earning assets0.5512%7,230
Net interest margin4.8340%629
Noninterest income to average assets0.9836%1,563
Noninterest expense to average assets4.1235%1,000
Loan and lease loss provision to assets0.1192%5,967
Net operating income to assets1.0894%1,728
Return on assets (ROA)1.0894%1,813
Pretax return on assets1.1192%2,507
Return on Equity (ROE)11.0336%1,577
Retained earnings to average equity (ytd only)2.9584%3,789
Net charge-offs to loans0.1629%5,360
Credit loss provision to net charge-offs106.6667%4,179
Earnings coverage of net charge-offs (x)11.0800%1,637
Efficiency ratio76.9038%2,888
Assets per employee ($millions)2.2650%7,245
Cash dividends to net income (ytd only)*73.1874%1,088
Condition Ratios (%)
Loss allowance to loans1.0277%6,247
Loan loss allowance to noncurrent loans154.7855%1,926
Noncurrent assets plus other real estate owned to assets0.6751%5,656
Noncurrent loans to loans0.6639%5,719
Net loans and leases to total assets64.3276%3,801
Net loans and leases to deposits71.1930%4,650
Net loans and leases to core deposits73.0420%5,094
Total domestic deposits to total assets90.3566%905
Equity capital to assets9.5665%4,315
Core capital (leverage) ratio9.7625%3,366
Tier 1 risk-based capital ratio14.5350%3,521
Total risk-based capital ratio15.5630%3,622
Memoranda:
Average total assets$67,102,4005,959
Average earning assets$60,778,0005,968
Average equity$6,625,2006,159
Average total loans$46,040,2005,642
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4384%2,701
Cost of funding earning assets0.5684%7,352
Net interest margin4.8700%584
Noninterest income to average assets0.9971%1,471
Noninterest expense to average assets4.0869%947
Loan and lease loss provision to assets0.1407%5,623
Net operating income to assets1.1659%1,687
Return on assets (ROA)1.1659%1,783
Pretax return on assets1.1961%2,501
Return on Equity (ROE)11.7128%1,586
Retained earnings to average equity (ytd only)3.3320%4,106
Net charge-offs to loans0.0780%5,740
Credit loss provision to net charge-offs259.2593%1,278
Earnings coverage of net charge-offs (x)24.6289%1,016
Efficiency ratio75.3521%3,065
Assets per employee ($millions)2.2317%7,360
Cash dividends to net income (ytd only)*71.5522%863
Condition Ratios (%)
Loss allowance to loans1.1111%5,893
Loan loss allowance to noncurrent loans137.3984%2,058
Noncurrent assets plus other real estate owned to assets0.7752%5,557
Noncurrent loans to loans0.8087%5,598
Net loans and leases to total assets67.3971%3,354
Net loans and leases to deposits75.1687%4,324
Net loans and leases to core deposits78.3712%4,760
Total domestic deposits to total assets89.6611%1,042
Equity capital to assets10.0342%4,117
Core capital (leverage) ratio9.9347%3,312
Tier 1 risk-based capital ratio14.6898%3,399
Total risk-based capital ratio15.8183%3,446
Memoranda:
Average total assets$66,324,5006,054
Average earning assets$60,286,2506,051
Average equity$6,602,2506,235
Average total loans$46,141,2505,721
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4859%2,589
Cost of funding earning assets0.5924%7,421
Net interest margin4.8934%546
Noninterest income to average assets1.0194%1,321
Noninterest expense to average assets4.0263%1,009
Loan and lease loss provision to assets0.1906%4,973
Net operating income to assets1.1979%1,567
Return on assets (ROA)1.1979%1,639
Pretax return on assets1.2251%2,333
Return on Equity (ROE)12.0664%1,436
Retained earnings to average equity (ytd only)3.3518%3,975
Net charge-offs to loans0.1555%4,704
Credit loss provision to net charge-offs175.0000%2,237
Earnings coverage of net charge-offs (x)13.0000%1,620
Efficiency ratio73.9855%3,476
Assets per employee ($millions)2.0678%7,543
Cash dividends to net income (ytd only)*72.2222%969
Condition Ratios (%)
Loss allowance to loans1.0805%6,033
Loan loss allowance to noncurrent loans137.9213%2,010
Noncurrent assets plus other real estate owned to assets0.7949%5,522
Noncurrent loans to loans0.7834%5,709
Net loans and leases to total assets67.9331%3,380
Net loans and leases to deposits75.7155%4,378
Net loans and leases to core deposits77.8112%4,983
Total domestic deposits to total assets89.7216%1,061
Equity capital to assets10.0592%3,936
Core capital (leverage) ratio9.8142%3,382
Tier 1 risk-based capital ratio14.4316%3,480
Total risk-based capital ratio15.5142%3,536
Memoranda:
Average total assets$66,115,6706,100
Average earning assets$59,753,6706,107
Average equity$6,563,6706,282
Average total loans$46,311,6705,746
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5034%2,563
Cost of funding earning assets0.6272%7,501
Net interest margin4.8762%553
Noninterest income to average assets1.0108%1,265
Noninterest expense to average assets4.0793%927
Loan and lease loss provision to assets0.1695%4,833
Net operating income to assets1.1136%1,788
Return on assets (ROA)1.1136%1,871
Pretax return on assets1.1379%2,595
Return on Equity (ROE)11.2927%1,693
Retained earnings to average equity (ytd only)2.2094%4,799
Net charge-offs to loans-0.0171%7,031
Credit loss provision to net charge-offs-1,400.0000%6,445
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.7303%3,262
Assets per employee ($millions)2.0659%7,632
Cash dividends to net income (ytd only)*80.4348%840
Condition Ratios (%)
Loss allowance to loans1.0493%6,236
Loan loss allowance to noncurrent loans254.6392%1,158
Noncurrent assets plus other real estate owned to assets0.5657%6,093
Noncurrent loans to loans0.4121%6,470
Net loans and leases to total assets70.4695%2,806
Net loans and leases to deposits78.3024%3,981
Net loans and leases to core deposits80.7173%4,674
Total domestic deposits to total assets89.9967%986
Equity capital to assets9.8687%4,034
Core capital (leverage) ratio9.6395%3,587
Tier 1 risk-based capital ratio13.2364%4,179
Total risk-based capital ratio14.2468%4,308
Memoranda:
Average total assets$66,089,5006,168
Average earning assets$59,309,0006,198
Average equity$6,517,5006,340
Average total loans$46,747,0005,809
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9461%2,059
Cost of funding earning assets0.8221%7,526
Net interest margin5.1240%348
Noninterest income to average assets1.0303%1,467
Noninterest expense to average assets4.3573%925
Loan and lease loss provision to assets0.1376%6,269
Net operating income to assets1.0741%1,585
Return on assets (ROA)1.0741%1,632
Pretax return on assets1.1054%2,233
Return on Equity (ROE)10.7350%1,495
Retained earnings to average equity (ytd only)2.9533%3,103
Net charge-offs to loans0.1519%5,744
Credit loss provision to net charge-offs125.7143%4,159
Earnings coverage of net charge-offs (x)11.3571%1,595
Efficiency ratio77.8057%3,227
Assets per employee ($millions)2.0647%7,690
Cash dividends to net income (ytd only)*72.4891%1,466
Condition Ratios (%)
Loss allowance to loans0.9997%6,390
Loan loss allowance to noncurrent loans236.7347%1,264
Noncurrent assets plus other real estate owned to assets0.5691%6,040
Noncurrent loans to loans0.4223%6,426
Net loans and leases to total assets69.5464%3,349
Net loans and leases to deposits77.2165%4,525
Net loans and leases to core deposits90.9217%5,025
Total domestic deposits to total assets90.0667%927
Equity capital to assets9.8546%3,939
Core capital (leverage) ratio9.8407%3,284
Tier 1 risk-based capital ratio13.4883%3,826
Total risk-based capital ratio14.4609%3,954
Memoranda:
Average total assets$63,961,2006,199
Average earning assets$57,045,6006,246
Average equity$6,399,6006,461
Average total loans$46,073,0005,834
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8704%2,580
Cost of funding earning assets0.8628%7,612
Net interest margin5.0076%432
Noninterest income to average assets1.0257%1,507
Noninterest expense to average assets4.2143%1,016
Loan and lease loss provision to assets0.1681%5,674
Net operating income to assets1.0888%1,772
Return on assets (ROA)1.0888%1,830
Pretax return on assets1.1203%2,501
Return on Equity (ROE)10.8393%1,667
Retained earnings to average equity (ytd only)3.0133%3,643
Net charge-offs to loans0.1189%5,510
Credit loss provision to net charge-offs195.1220%2,314
Earnings coverage of net charge-offs (x)14.9499%1,562
Efficiency ratio76.5852%3,403
Assets per employee ($millions)2.0062%7,799
Cash dividends to net income (ytd only)*72.2001%1,198
Condition Ratios (%)
Loss allowance to loans1.0397%6,066
Loan loss allowance to noncurrent loans370.2290%838
Noncurrent assets plus other real estate owned to assets0.4844%6,255
Noncurrent loans to loans0.2808%6,812
Net loans and leases to total assets71.9041%3,060
Net loans and leases to deposits80.1448%4,358
Net loans and leases to core deposits94.5864%4,968
Total domestic deposits to total assets89.7177%882
Equity capital to assets10.0611%4,014
Core capital (leverage) ratio10.1284%3,140
Tier 1 risk-based capital ratio13.6433%3,752
Total risk-based capital ratio14.6789%3,839
Memoranda:
Average total assets$63,433,7506,268
Average earning assets$56,712,5006,304
Average equity$6,371,7506,531
Average total loans$45,987,7505,884
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9389%2,423
Cost of funding earning assets0.9153%7,676
Net interest margin5.0235%409
Noninterest income to average assets1.0288%1,500
Noninterest expense to average assets4.1976%1,076
Loan and lease loss provision to assets0.1836%5,199
Net operating income to assets1.0668%1,886
Return on assets (ROA)1.0668%1,959
Pretax return on assets1.0953%2,654
Return on Equity (ROE)10.6264%1,813
Retained earnings to average equity (ytd only)2.8379%3,744
Net charge-offs to loans0.0961%5,209
Credit loss provision to net charge-offs263.6364%1,765
Earnings coverage of net charge-offs (x)18.3636%1,414
Efficiency ratio76.6474%3,573
Assets per employee ($millions)1.9954%7,855
Cash dividends to net income (ytd only)*73.2938%1,264
Condition Ratios (%)
Loss allowance to loans1.0260%6,043
Loan loss allowance to noncurrent loans148.7654%1,979
Noncurrent assets plus other real estate owned to assets0.8081%5,373
Noncurrent loans to loans0.6897%5,868
Net loans and leases to total assets72.8192%2,999
Net loans and leases to deposits81.0691%4,380
Net loans and leases to core deposits94.4448%5,064
Total domestic deposits to total assets89.8237%904
Equity capital to assets9.9446%4,026
Core capital (leverage) ratio9.9377%3,364
Tier 1 risk-based capital ratio13.2840%3,950
Total risk-based capital ratio14.2947%4,035
Memoranda:
Average total assets$63,179,0006,324
Average earning assets$55,936,6706,390
Average equity$6,342,6706,594
Average total loans$45,768,3305,941
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9822%2,434
Cost of funding earning assets0.9813%7,699
Net interest margin5.0010%398
Noninterest income to average assets1.0821%1,277
Noninterest expense to average assets4.1438%1,004
Loan and lease loss provision to assets0.2546%3,929
Net operating income to assets1.0375%2,172
Return on assets (ROA)1.0375%2,302
Pretax return on assets1.0630%3,132
Return on Equity (ROE)10.2855%2,204
Retained earnings to average equity (ytd only)2.5241%4,473
Net charge-offs to loans0.0443%4,858
Credit loss provision to net charge-offs800.0000%744
Earnings coverage of net charge-offs (x)41.4000%822
Efficiency ratio75.8741%3,513
Assets per employee ($millions)1.9625%7,927
Cash dividends to net income (ytd only)*75.4601%1,154
Condition Ratios (%)
Loss allowance to loans1.0482%5,820
Loan loss allowance to noncurrent loans213.7778%1,571
Noncurrent assets plus other real estate owned to assets0.6640%5,507
Noncurrent loans to loans0.4903%6,202
Net loans and leases to total assets72.3057%3,176
Net loans and leases to deposits80.6050%4,522
Net loans and leases to core deposits92.0196%5,343
Total domestic deposits to total assets89.7038%933
Equity capital to assets10.1322%3,847
Core capital (leverage) ratio9.9639%3,442
Tier 1 risk-based capital ratio13.4805%3,878
Total risk-based capital ratio14.5122%3,936
Memoranda:
Average total assets$62,841,5006,366
Average earning assets$55,029,5006,456
Average equity$6,339,0006,644
Average total loans$45,162,5006,005
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6736%2,134
Cost of funding earning assets1.6208%7,404
Net interest margin5.0528%451
Noninterest income to average assets0.9904%1,608
Noninterest expense to average assets3.8998%1,562
Loan and lease loss provision to assets0.1766%5,135
Net operating income to assets1.3304%1,403
Return on assets (ROA)1.3304%1,357
Pretax return on assets1.3642%2,074
Return on Equity (ROE)14.4969%1,012
Retained earnings to average equity (ytd only)2.9828%3,317
Net charge-offs to loans0.2281%3,960
Credit loss provision to net charge-offs117.6471%4,575
Earnings coverage of net charge-offs (x)10.2647%2,547
Efficiency ratio71.6797%3,997
Assets per employee ($millions)1.9651%7,943
Cash dividends to net income (ytd only)*79.4248%1,746
Condition Ratios (%)
Loss allowance to loans1.0037%6,017
Loan loss allowance to noncurrent loans307.5862%1,313
Noncurrent assets plus other real estate owned to assets0.5359%5,568
Noncurrent loans to loans0.3263%6,395
Net loans and leases to total assets69.9553%4,026
Net loans and leases to deposits77.9260%5,350
Net loans and leases to core deposits89.8782%5,808
Total domestic deposits to total assets89.7715%732
Equity capital to assets10.0425%3,986
Core capital (leverage) ratio9.3281%4,260
Tier 1 risk-based capital ratio13.5537%3,788
Total risk-based capital ratio14.5249%3,860
Memoranda:
Average total assets$67,951,6006,091
Average earning assets$59,848,0006,178
Average equity$6,235,8006,721
Average total loans$44,715,8005,942