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First National Bank of Omaha, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.8484%94
Cost of funding earning assets2.2626%1,286
Net interest margin6.5858%58
Noninterest income to average assets1.1400%480
Noninterest expense to average assets3.5516%567
Loan and lease loss provision to assets1.9800%42
Net operating income to assets1.1929%1,755
Return on assets (ROA)1.1915%1,760
Pretax return on assets1.5570%1,390
Return on Equity (ROE)11.9000%1,779
Retained earnings to average equity (ytd only)11.8955%813
Net charge-offs to loans2.6409%64
Credit loss provision to net charge-offs105.1427%1,231
Earnings coverage of net charge-offs (x)1.8759%2,100
Efficiency ratio49.5549%3,915
Assets per employee ($millions)7.8324%1,683
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans4.0591%93
Loan loss allowance to noncurrent loans482.2869%1,170
Noncurrent assets plus other real estate owned to assets0.6084%1,229
Noncurrent loans to loans0.8416%1,245
Net loans and leases to total assets68.2400%2,057
Net loans and leases to deposits82.9639%1,795
Net loans and leases to core deposits93.1899%1,822
Total domestic deposits to total assets82.2500%3,257
Equity capital to assets10.2908%2,048
Core capital (leverage) ratio10.5113%2,402
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3539%2,088
Memoranda:
Average total assets$31,888,764,00069
Average earning assets$28,783,456,50068
Average equity$3,193,978,00079
Average total loans$22,763,314,50063
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets9.3119%89
Cost of funding earning assets2.7563%765
Net interest margin6.5555%60
Noninterest income to average assets1.3000%412
Noninterest expense to average assets3.6624%488
Loan and lease loss provision to assets1.7800%37
Net operating income to assets1.3029%1,283
Return on assets (ROA)1.3171%1,253
Pretax return on assets1.7808%855
Return on Equity (ROE)14.1200%1,100
Retained earnings to average equity (ytd only)11.5607%358
Net charge-offs to loans2.8243%60
Credit loss provision to net charge-offs87.6101%2,058
Earnings coverage of net charge-offs (x)1.7276%2,879
Efficiency ratio50.3216%3,973
Assets per employee ($millions)7.6926%1,719
Cash dividends to net income (ytd only)*18.1047%3,011
Condition Ratios (%)
Loss allowance to loans3.9716%96
Loan loss allowance to noncurrent loans430.8046%1,330
Noncurrent assets plus other real estate owned to assets0.6702%1,081
Noncurrent loans to loans0.9219%1,080
Net loans and leases to total assets68.8000%2,038
Net loans and leases to deposits82.0892%1,946
Net loans and leases to core deposits94.4046%1,817
Total domestic deposits to total assets83.8100%2,830
Equity capital to assets9.7429%2,281
Core capital (leverage) ratio10.3862%2,452
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1727%2,163
Memoranda:
Average total assets$31,448,394,20065
Average earning assets$28,354,131,80065
Average equity$2,934,247,80080
Average total loans$22,842,567,00060
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets9.3566%90
Cost of funding earning assets2.8250%677
Net interest margin6.5316%62
Noninterest income to average assets1.2700%415
Noninterest expense to average assets3.6780%473
Loan and lease loss provision to assets1.8500%35
Net operating income to assets1.2120%1,489
Return on assets (ROA)1.2304%1,462
Pretax return on assets1.6441%1,097
Return on Equity (ROE)13.3400%1,290
Retained earnings to average equity (ytd only)13.3374%359
Net charge-offs to loans2.8812%54
Credit loss provision to net charge-offs88.7150%1,793
Earnings coverage of net charge-offs (x)1.6543%2,645
Efficiency ratio50.9369%3,929
Assets per employee ($millions)7.4877%1,814
Cash dividends to net income (ytd only)*0.0000%3,021
Condition Ratios (%)
Loss allowance to loans4.0706%96
Loan loss allowance to noncurrent loans534.7749%1,176
Noncurrent assets plus other real estate owned to assets0.5584%1,280
Noncurrent loans to loans0.7612%1,299
Net loans and leases to total assets69.1100%1,946
Net loans and leases to deposits83.0365%1,879
Net loans and leases to core deposits95.4091%1,794
Total domestic deposits to total assets83.2300%2,781
Equity capital to assets9.8882%2,367
Core capital (leverage) ratio10.0808%2,775
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8933%2,280
Memoranda:
Average total assets$31,314,063,50068
Average earning assets$28,221,178,75068
Average equity$2,888,726,25082
Average total loans$22,824,444,75062
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets9.2891%93
Cost of funding earning assets2.8100%651
Net interest margin6.4791%67
Noninterest income to average assets1.3100%409
Noninterest expense to average assets3.4700%596
Loan and lease loss provision to assets1.7100%35
Net operating income to assets1.5178%890
Return on assets (ROA)1.5325%875
Pretax return on assets1.9885%654
Return on Equity (ROE)17.0300%710
Retained earnings to average equity (ytd only)17.0296%199
Net charge-offs to loans2.7712%62
Credit loss provision to net charge-offs85.3717%1,611
Earnings coverage of net charge-offs (x)1.8162%2,442
Efficiency ratio48.0632%4,109
Assets per employee ($millions)7.2042%1,937
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans4.0844%98
Loan loss allowance to noncurrent loans536.0068%1,206
Noncurrent assets plus other real estate owned to assets0.5698%1,190
Noncurrent loans to loans0.7620%1,223
Net loans and leases to total assets70.3700%1,862
Net loans and leases to deposits84.2177%1,823
Net loans and leases to core deposits97.3018%1,653
Total domestic deposits to total assets83.5600%2,732
Equity capital to assets9.4401%2,428
Core capital (leverage) ratio10.1054%2,720
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6138%2,385
Memoranda:
Average total assets$31,132,087,00067
Average earning assets$28,065,981,66767
Average equity$2,801,513,66783
Average total loans$22,781,362,33361
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets9.3433%95
Cost of funding earning assets2.8441%556
Net interest margin6.4992%79
Noninterest income to average assets1.2800%396
Noninterest expense to average assets3.4654%589
Loan and lease loss provision to assets1.4900%44
Net operating income to assets1.6708%695
Return on assets (ROA)1.6715%701
Pretax return on assets2.1726%494
Return on Equity (ROE)19.0500%514
Retained earnings to average equity (ytd only)19.0504%231
Net charge-offs to loans2.7703%35
Credit loss provision to net charge-offs75.7716%1,306
Earnings coverage of net charge-offs (x)1.8093%2,027
Efficiency ratio48.1911%4,093
Assets per employee ($millions)6.9421%2,127
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans4.2420%56
Loan loss allowance to noncurrent loans534.0738%1,293
Noncurrent assets plus other real estate owned to assets0.5905%1,091
Noncurrent loans to loans0.7943%1,109
Net loans and leases to total assets69.8100%1,825
Net loans and leases to deposits80.8607%1,991
Net loans and leases to core deposits93.5201%1,814
Total domestic deposits to total assets86.3300%1,986
Equity capital to assets9.0048%2,678
Core capital (leverage) ratio9.5993%3,131
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1798%2,533
Memoranda:
Average total assets$30,949,732,00067
Average earning assets$27,861,837,00067
Average equity$2,715,611,00084
Average total loans$22,617,865,00061
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.9385%91
Cost of funding earning assets2.1848%663
Net interest margin6.7537%64
Noninterest income to average assets1.1700%511
Noninterest expense to average assets3.9792%375
Loan and lease loss provision to assets2.2100%27
Net operating income to assets0.7850%2,914
Return on assets (ROA)0.8087%2,821
Pretax return on assets1.0350%2,575
Return on Equity (ROE)9.2900%2,686
Retained earnings to average equity (ytd only)7.5313%1,692
Net charge-offs to loans2.1784%43
Credit loss provision to net charge-offs138.8023%1,538
Earnings coverage of net charge-offs (x)2.0544%2,725
Efficiency ratio54.8258%3,617
Assets per employee ($millions)6.9460%2,110
Cash dividends to net income (ytd only)*18.9032%2,975
Condition Ratios (%)
Loss allowance to loans4.3438%53
Loan loss allowance to noncurrent loans561.7004%1,344
Noncurrent assets plus other real estate owned to assets0.5771%959
Noncurrent loans to loans0.7733%1,008
Net loans and leases to total assets70.0800%1,800
Net loans and leases to deposits82.7842%1,890
Net loans and leases to core deposits98.6383%1,512
Total domestic deposits to total assets84.6500%2,420
Equity capital to assets8.5462%3,018
Core capital (leverage) ratio9.4914%3,268
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7530%2,639
Memoranda:
Average total assets$29,440,138,20071
Average earning assets$26,259,837,00071
Average equity$2,563,544,40080
Average total loans$21,155,913,40061
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.7993%87
Cost of funding earning assets1.9744%734
Net interest margin6.8249%59
Noninterest income to average assets1.2100%494
Noninterest expense to average assets4.0188%356
Loan and lease loss provision to assets1.9800%32
Net operating income to assets0.9918%2,389
Return on assets (ROA)1.0146%2,309
Pretax return on assets1.3116%2,001
Return on Equity (ROE)11.5900%2,227
Retained earnings to average equity (ytd only)9.2278%1,629
Net charge-offs to loans2.0583%41
Credit loss provision to net charge-offs130.9494%1,413
Earnings coverage of net charge-offs (x)2.2231%2,493
Efficiency ratio54.6361%3,535
Assets per employee ($millions)6.3599%2,444
Cash dividends to net income (ytd only)*20.3837%2,452
Condition Ratios (%)
Loss allowance to loans4.1446%52
Loan loss allowance to noncurrent loans566.6600%1,338
Noncurrent assets plus other real estate owned to assets0.5454%1,071
Noncurrent loans to loans0.7314%1,133
Net loans and leases to total assets70.2600%1,798
Net loans and leases to deposits81.5173%1,936
Net loans and leases to core deposits94.9861%1,618
Total domestic deposits to total assets86.1800%2,141
Equity capital to assets8.3483%2,828
Core capital (leverage) ratio9.5972%3,202
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9649%2,620
Memoranda:
Average total assets$29,013,508,50072
Average earning assets$25,843,698,00073
Average equity$2,539,728,75081
Average total loans$20,746,962,25064
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.5532%89
Cost of funding earning assets1.7243%854
Net interest margin6.8289%58
Noninterest income to average assets1.2000%439
Noninterest expense to average assets4.0720%324
Loan and lease loss provision to assets1.8700%30
Net operating income to assets1.0233%2,344
Return on assets (ROA)1.0260%2,327
Pretax return on assets1.3245%2,004
Return on Equity (ROE)11.5400%2,288
Retained earnings to average equity (ytd only)8.0089%1,959
Net charge-offs to loans1.9686%48
Credit loss provision to net charge-offs134.1278%1,268
Earnings coverage of net charge-offs (x)2.2879%2,313
Efficiency ratio55.5559%3,475
Assets per employee ($millions)6.0695%2,654
Cash dividends to net income (ytd only)*30.5713%2,062
Condition Ratios (%)
Loss allowance to loans4.2542%57
Loan loss allowance to noncurrent loans677.0780%1,260
Noncurrent assets plus other real estate owned to assets0.4537%1,181
Noncurrent loans to loans0.6283%1,189
Net loans and leases to total assets68.4800%1,916
Net loans and leases to deposits80.0408%1,975
Net loans and leases to core deposits92.2845%1,665
Total domestic deposits to total assets85.5600%2,378
Equity capital to assets8.4366%2,916
Core capital (leverage) ratio9.6660%3,084
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0776%2,606
Memoranda:
Average total assets$28,695,387,00070
Average earning assets$25,490,819,66772
Average equity$2,552,373,66779
Average total loans$20,341,189,33364
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3664%51
Cost of funding earning assets1.4296%970
Net interest margin6.9368%53
Noninterest income to average assets1.1200%484
Noninterest expense to average assets4.0849%339
Loan and lease loss provision to assets1.9200%33
Net operating income to assets0.9794%2,596
Return on assets (ROA)0.9828%2,554
Pretax return on assets1.2660%2,266
Return on Equity (ROE)10.7600%2,555
Retained earnings to average equity (ytd only)6.8952%2,521
Net charge-offs to loans1.8111%45
Credit loss provision to net charge-offs150.4419%948
Earnings coverage of net charge-offs (x)2.4917%1,928
Efficiency ratio55.6874%3,436
Assets per employee ($millions)5.8858%2,860
Cash dividends to net income (ytd only)*35.9243%1,562
Condition Ratios (%)
Loss allowance to loans4.3513%54
Loan loss allowance to noncurrent loans685.3394%1,307
Noncurrent assets plus other real estate owned to assets0.4528%1,127
Noncurrent loans to loans0.6349%1,183
Net loans and leases to total assets67.5500%1,892
Net loans and leases to deposits75.7851%2,140
Net loans and leases to core deposits85.5143%1,896
Total domestic deposits to total assets89.1300%1,499
Equity capital to assets8.7281%2,717
Core capital (leverage) ratio9.8494%2,835
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4020%2,604
Memoranda:
Average total assets$28,333,733,00076
Average earning assets$25,128,239,50076
Average equity$2,587,592,00081
Average total loans$19,990,864,50068
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3977%74
Cost of funding earning assets0.3564%2,428
Net interest margin6.0413%56
Noninterest income to average assets1.4300%367
Noninterest expense to average assets4.0309%329
Loan and lease loss provision to assets1.2000%37
Net operating income to assets1.2481%1,609
Return on assets (ROA)1.2613%1,511
Pretax return on assets1.6322%1,078
Return on Equity (ROE)12.4400%1,995
Retained earnings to average equity (ytd only)6.0400%2,634
Net charge-offs to loans1.0495%63
Credit loss provision to net charge-offs169.2985%1,219
Earnings coverage of net charge-offs (x)3.9812%2,439
Efficiency ratio58.5153%3,262
Assets per employee ($millions)6.0209%2,743
Cash dividends to net income (ytd only)*51.4627%1,321
Condition Ratios (%)
Loss allowance to loans2.0889%366
Loan loss allowance to noncurrent loans334.3498%2,066
Noncurrent assets plus other real estate owned to assets0.4461%1,140
Noncurrent loans to loans0.6248%1,186
Net loans and leases to total assets69.0200%1,729
Net loans and leases to deposits78.3499%1,908
Net loans and leases to core deposits84.1218%1,874
Total domestic deposits to total assets88.0900%2,043
Equity capital to assets9.5387%1,978
Core capital (leverage) ratio10.1737%2,485
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5147%2,568
Memoranda:
Average total assets$26,960,503,60080
Average earning assets$24,183,430,80079
Average equity$2,732,633,00083
Average total loans$18,177,461,80075
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9629%79
Cost of funding earning assets0.1714%3,607
Net interest margin5.7915%57
Noninterest income to average assets1.5100%361
Noninterest expense to average assets3.9402%340
Loan and lease loss provision to assets1.0600%39
Net operating income to assets1.3232%1,284
Return on assets (ROA)1.3325%1,238
Pretax return on assets1.7281%853
Return on Equity (ROE)12.9400%1,716
Retained earnings to average equity (ytd only)7.1081%2,326
Net charge-offs to loans0.9408%54
Credit loss provision to net charge-offs168.5393%1,069
Earnings coverage of net charge-offs (x)4.4291%2,174
Efficiency ratio58.3893%3,338
Assets per employee ($millions)5.8760%2,871
Cash dividends to net income (ytd only)*45.0879%1,379
Condition Ratios (%)
Loss allowance to loans1.9694%529
Loan loss allowance to noncurrent loans344.6975%2,005
Noncurrent assets plus other real estate owned to assets0.4127%1,313
Noncurrent loans to loans0.5713%1,403
Net loans and leases to total assets69.1100%1,558
Net loans and leases to deposits80.5791%1,551
Net loans and leases to core deposits81.5204%1,797
Total domestic deposits to total assets85.7700%3,120
Equity capital to assets9.9425%1,655
Core capital (leverage) ratio10.5889%2,037
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1415%2,410
Memoranda:
Average total assets$26,632,093,25081
Average earning assets$23,960,807,25082
Average equity$2,741,542,25086
Average total loans$17,739,133,75077
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4552%104
Cost of funding earning assets0.0960%4,230
Net interest margin5.3592%83
Noninterest income to average assets1.5719%316
Noninterest expense to average assets3.8206%317
Loan and lease loss provision to assets0.7866%59
Net operating income to assets1.3890%924
Return on assets (ROA)1.3948%895
Pretax return on assets1.8070%590
Return on Equity (ROE)13.3965%1,270
Retained earnings to average equity (ytd only)8.3460%1,492
Net charge-offs to loans0.8953%72
Credit loss provision to net charge-offs134.5258%1,141
Earnings coverage of net charge-offs (x)4.4271%1,955
Efficiency ratio59.3764%3,386
Assets per employee ($millions)5.5666%3,156
Cash dividends to net income (ytd only)*37.7003%1,809
Condition Ratios (%)
Loss allowance to loans1.7113%942
Loan loss allowance to noncurrent loans336.7856%2,013
Noncurrent assets plus other real estate owned to assets0.3617%1,550
Noncurrent loans to loans0.5081%1,608
Net loans and leases to total assets69.1266%1,386
Net loans and leases to deposits79.4629%1,425
Net loans and leases to core deposits80.0649%1,712
Total domestic deposits to total assets86.9923%2,941
Equity capital to assets10.5767%1,400
Core capital (leverage) ratio10.7572%1,757
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8486%2,125
Memoranda:
Average total assets$26,628,807,00082
Average earning assets$24,035,234,33382
Average equity$2,772,427,66786
Average total loans$17,391,064,66776
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0648%141
Cost of funding earning assets0.0854%4,299
Net interest margin4.9795%97
Noninterest income to average assets1.6597%309
Noninterest expense to average assets3.5607%398
Loan and lease loss provision to assets0.7032%62
Net operating income to assets1.4664%684
Return on assets (ROA)1.4730%665
Pretax return on assets1.9096%435
Return on Equity (ROE)14.2564%783
Retained earnings to average equity (ytd only)10.6737%855
Net charge-offs to loans0.8866%79
Credit loss provision to net charge-offs126.0821%912
Earnings coverage of net charge-offs (x)4.6738%1,618
Efficiency ratio57.6677%3,716
Assets per employee ($millions)6.1600%2,657
Cash dividends to net income (ytd only)*25.1301%1,877
Condition Ratios (%)
Loss allowance to loans1.7050%1,046
Loan loss allowance to noncurrent loans334.9758%1,956
Noncurrent assets plus other real estate owned to assets0.3284%1,801
Noncurrent loans to loans0.5090%1,751
Net loans and leases to total assets62.2276%1,835
Net loans and leases to deposits70.9264%1,871
Net loans and leases to core deposits71.4765%2,157
Total domestic deposits to total assets87.7356%2,654
Equity capital to assets10.2293%1,736
Core capital (leverage) ratio10.6114%1,762
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3079%2,074
Memoranda:
Average total assets$27,023,193,00082
Average earning assets$24,464,104,00081
Average equity$2,792,128,50085
Average total loans$16,999,926,50078
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1186%222
Cost of funding earning assets0.1118%4,294
Net interest margin5.0068%142
Noninterest income to average assets1.8852%348
Noninterest expense to average assets3.8439%339
Loan and lease loss provision to assets0.0269%2,517
Net operating income to assets2.0171%329
Return on assets (ROA)2.0246%340
Pretax return on assets2.6000%227
Return on Equity (ROE)18.9504%385
Retained earnings to average equity (ytd only)9.7142%990
Net charge-offs to loans0.9928%64
Credit loss provision to net charge-offs4.2320%2,319
Earnings coverage of net charge-offs (x)4.1161%2,506
Efficiency ratio59.3894%3,243
Assets per employee ($millions)6.3643%2,439
Cash dividends to net income (ytd only)*48.7388%1,582
Condition Ratios (%)
Loss allowance to loans1.6954%1,054
Loan loss allowance to noncurrent loans283.3780%2,125
Noncurrent assets plus other real estate owned to assets0.3743%1,726
Noncurrent loans to loans0.5983%1,638
Net loans and leases to total assets61.4444%2,012
Net loans and leases to deposits70.3054%2,102
Net loans and leases to core deposits70.8237%2,372
Total domestic deposits to total assets87.3964%2,336
Equity capital to assets10.4370%2,232
Core capital (leverage) ratio10.4476%1,953
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3559%2,097
Memoranda:
Average total assets$25,638,939,80088
Average earning assets$23,440,178,80087
Average equity$2,739,241,60086
Average total loans$16,429,997,00079
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1413%239
Cost of funding earning assets0.1185%4,362
Net interest margin5.0228%151
Noninterest income to average assets1.9899%358
Noninterest expense to average assets3.7084%369
Loan and lease loss provision to assets-0.0829%4,562
Net operating income to assets2.2941%275
Return on assets (ROA)2.3007%289
Pretax return on assets2.9688%178
Return on Equity (ROE)21.4032%332
Retained earnings to average equity (ytd only)13.9153%516
Net charge-offs to loans1.0832%58
Credit loss provision to net charge-offs-11.8666%3,057
Earnings coverage of net charge-offs (x)4.1200%2,281
Efficiency ratio56.2016%3,502
Assets per employee ($millions)6.1935%2,511
Cash dividends to net income (ytd only)*34.9849%1,847
Condition Ratios (%)
Loss allowance to loans1.8238%891
Loan loss allowance to noncurrent loans337.7160%1,820
Noncurrent assets plus other real estate owned to assets0.3368%2,100
Noncurrent loans to loans0.5400%1,966
Net loans and leases to total assets61.1636%2,118
Net loans and leases to deposits71.6360%2,092
Net loans and leases to core deposits72.2062%2,409
Total domestic deposits to total assets85.3811%2,992
Equity capital to assets11.0447%1,980
Core capital (leverage) ratio10.6444%1,943
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1701%1,908
Memoranda:
Average total assets$25,345,460,00089
Average earning assets$23,197,777,00088
Average equity$2,724,435,00086
Average total loans$16,347,717,25079
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0996%293
Cost of funding earning assets0.1238%4,407
Net interest margin4.9757%171
Noninterest income to average assets2.1118%304
Noninterest expense to average assets3.6789%376
Loan and lease loss provision to assets-0.0573%4,542
Net operating income to assets2.3890%252
Return on assets (ROA)2.3940%267
Pretax return on assets3.0738%176
Return on Equity (ROE)22.4806%291
Retained earnings to average equity (ytd only)16.8983%275
Net charge-offs to loans1.2182%55
Credit loss provision to net charge-offs-7.2127%2,904
Earnings coverage of net charge-offs (x)3.7881%2,057
Efficiency ratio54.8933%3,689
Assets per employee ($millions)6.1724%2,457
Cash dividends to net income (ytd only)*24.8318%2,314
Condition Ratios (%)
Loss allowance to loans2.0558%545
Loan loss allowance to noncurrent loans376.0216%1,593
Noncurrent assets plus other real estate owned to assets0.3486%2,197
Noncurrent loans to loans0.5467%2,032
Net loans and leases to total assets62.2332%2,153
Net loans and leases to deposits72.7572%2,138
Net loans and leases to core deposits74.4724%2,366
Total domestic deposits to total assets85.5354%2,900
Equity capital to assets10.9847%1,988
Core capital (leverage) ratio10.5208%1,939
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2306%1,894
Memoranda:
Average total assets$25,234,559,33389
Average earning assets$23,216,767,33388
Average equity$2,687,218,33388
Average total loans$16,464,474,00079
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1575%287
Cost of funding earning assets0.1336%4,430
Net interest margin5.0239%180
Noninterest income to average assets1.7059%488
Noninterest expense to average assets3.2484%651
Loan and lease loss provision to assets0.6140%93
Net operating income to assets1.8901%680
Return on assets (ROA)1.8956%717
Pretax return on assets2.4782%452
Return on Equity (ROE)18.0902%720
Retained earnings to average equity (ytd only)13.5296%810
Net charge-offs to loans1.3455%52
Credit loss provision to net charge-offs69.0237%1,251
Earnings coverage of net charge-offs (x)3.4683%1,763
Efficiency ratio51.1814%4,078
Assets per employee ($millions)6.0850%2,514
Cash dividends to net income (ytd only)*25.2105%1,854
Condition Ratios (%)
Loss allowance to loans2.5510%237
Loan loss allowance to noncurrent loans398.9466%1,396
Noncurrent assets plus other real estate owned to assets0.4195%2,141
Noncurrent loans to loans0.6394%1,977
Net loans and leases to total assets63.4278%2,109
Net loans and leases to deposits73.7909%2,136
Net loans and leases to core deposits75.6674%2,382
Total domestic deposits to total assets85.9562%2,751
Equity capital to assets10.4278%2,340
Core capital (leverage) ratio10.3130%2,242
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5096%2,080
Memoranda:
Average total assets$25,112,028,50089
Average earning assets$23,131,482,50087
Average equity$2,631,393,50090
Average total loans$16,601,909,00079
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0271%92
Cost of funding earning assets0.3916%3,632
Net interest margin5.6355%60
Noninterest income to average assets1.6414%465
Noninterest expense to average assets3.7301%509
Loan and lease loss provision to assets1.4094%48
Net operating income to assets1.2728%1,324
Return on assets (ROA)1.3060%1,334
Pretax return on assets1.6782%891
Return on Equity (ROE)12.3009%1,233
Retained earnings to average equity (ytd only)7.4331%1,219
Net charge-offs to loans1.6327%64
Credit loss provision to net charge-offs123.7048%2,609
Earnings coverage of net charge-offs (x)2.6733%3,143
Efficiency ratio54.8504%4,108
Assets per employee ($millions)5.8863%2,449
Cash dividends to net income (ytd only)*39.5728%2,379
Condition Ratios (%)
Loss allowance to loans2.6494%211
Loan loss allowance to noncurrent loans331.8002%1,609
Noncurrent assets plus other real estate owned to assets0.5386%1,943
Noncurrent loans to loans0.7985%1,745
Net loans and leases to total assets65.3853%2,172
Net loans and leases to deposits76.2798%2,255
Net loans and leases to core deposits78.5323%2,504
Total domestic deposits to total assets85.7177%2,480
Equity capital to assets10.5310%2,644
Core capital (leverage) ratio10.0706%2,540
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8466%2,301
Memoranda:
Average total assets$23,519,429,20086
Average earning assets$21,427,922,80084
Average equity$2,497,070,60089
Average total loans$16,412,081,00079
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2073%81
Cost of funding earning assets0.4566%3,487
Net interest margin5.7508%57
Noninterest income to average assets1.5973%463
Noninterest expense to average assets3.6636%569
Loan and lease loss provision to assets1.8035%42
Net operating income to assets1.0351%2,207
Return on assets (ROA)1.0791%2,180
Pretax return on assets1.4197%1,666
Return on Equity (ROE)10.1415%1,971
Retained earnings to average equity (ytd only)8.1557%1,254
Net charge-offs to loans1.7140%62
Credit loss provision to net charge-offs149.2972%2,331
Earnings coverage of net charge-offs (x)2.6222%2,978
Efficiency ratio53.4405%4,210
Assets per employee ($millions)5.7374%2,512
Cash dividends to net income (ytd only)*19.5808%2,799
Condition Ratios (%)
Loss allowance to loans2.9160%151
Loan loss allowance to noncurrent loans478.9607%1,094
Noncurrent assets plus other real estate owned to assets0.4338%2,441
Noncurrent loans to loans0.6088%2,277
Net loans and leases to total assets66.2622%2,488
Net loans and leases to deposits78.6628%2,460
Net loans and leases to core deposits82.6278%2,609
Total domestic deposits to total assets84.2358%2,739
Equity capital to assets10.7892%2,554
Core capital (leverage) ratio10.0411%2,681
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9973%2,202
Memoranda:
Average total assets$23,212,756,75084
Average earning assets$21,126,660,25084
Average equity$2,469,835,50089
Average total loans$16,359,933,25079
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4967%87
Cost of funding earning assets0.5418%3,282
Net interest margin5.9548%66
Noninterest income to average assets1.4558%496
Noninterest expense to average assets3.6700%598
Loan and lease loss provision to assets2.4592%39
Net operating income to assets0.5633%3,853
Return on assets (ROA)0.6300%3,724
Pretax return on assets0.8342%3,494
Return on Equity (ROE)5.9501%3,525
Retained earnings to average equity (ytd only)2.9161%3,423
Net charge-offs to loans1.8446%70
Credit loss provision to net charge-offs187.0814%1,970
Earnings coverage of net charge-offs (x)2.4412%2,774
Efficiency ratio53.1536%4,271
Assets per employee ($millions)5.6009%2,544
Cash dividends to net income (ytd only)*50.9911%1,523
Condition Ratios (%)
Loss allowance to loans3.1019%126
Loan loss allowance to noncurrent loans447.5880%1,099
Noncurrent assets plus other real estate owned to assets0.4891%2,374
Noncurrent loans to loans0.6930%2,139
Net loans and leases to total assets66.4201%2,567
Net loans and leases to deposits78.6962%2,578
Net loans and leases to core deposits83.5867%2,643
Total domestic deposits to total assets84.4006%2,599
Equity capital to assets10.4368%2,803
Core capital (leverage) ratio9.9159%2,909
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5934%2,365
Memoranda:
Average total assets$22,902,619,00084
Average earning assets$20,857,910,33384
Average equity$2,424,826,00091
Average total loans$16,320,474,66779
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0819%60
Cost of funding earning assets0.7176%2,856
Net interest margin6.3643%48
Noninterest income to average assets1.3645%478
Noninterest expense to average assets4.0740%467
Loan and lease loss provision to assets2.6139%39
Net operating income to assets0.3329%4,279
Return on assets (ROA)0.4676%4,034
Pretax return on assets0.6250%3,877
Return on Equity (ROE)4.3837%3,852
Retained earnings to average equity (ytd only)-1.1028%4,156
Net charge-offs to loans1.7488%85
Credit loss provision to net charge-offs205.5701%1,401
Earnings coverage of net charge-offs (x)2.4132%2,292
Efficiency ratio56.8417%4,130
Assets per employee ($millions)5.1707%2,465
Cash dividends to net income (ytd only)*125.1565%585
Condition Ratios (%)
Loss allowance to loans2.8159%179
Loan loss allowance to noncurrent loans410.4504%1,151
Noncurrent assets plus other real estate owned to assets0.5177%2,441
Noncurrent loans to loans0.6860%2,281
Net loans and leases to total assets70.0688%2,247
Net loans and leases to deposits85.3062%2,079
Net loans and leases to core deposits92.1370%2,140
Total domestic deposits to total assets82.1380%3,376
Equity capital to assets10.8557%2,980
Core capital (leverage) ratio10.1511%3,291
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9556%2,724
Memoranda:
Average total assets$22,410,113,00083
Average earning assets$20,345,240,00083
Average equity$2,390,689,50092
Average total loans$16,293,670,50078
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4476%56
Cost of funding earning assets0.9209%2,111
Net interest margin6.5267%47
Noninterest income to average assets1.6022%364
Noninterest expense to average assets4.3520%350
Loan and lease loss provision to assets1.3325%66
Net operating income to assets1.3722%1,442
Return on assets (ROA)1.3754%1,505
Pretax return on assets1.7928%958
Return on Equity (ROE)13.1691%1,124
Retained earnings to average equity (ytd only)6.8650%1,445
Net charge-offs to loans1.9817%59
Credit loss provision to net charge-offs91.8610%2,631
Earnings coverage of net charge-offs (x)2.1517%3,450
Efficiency ratio57.9718%3,967
Assets per employee ($millions)4.8884%2,720
Cash dividends to net income (ytd only)*47.8703%2,204
Condition Ratios (%)
Loss allowance to loans2.2790%294
Loan loss allowance to noncurrent loans328.2067%1,405
Noncurrent assets plus other real estate owned to assets0.5250%2,317
Noncurrent loans to loans0.6944%2,145
Net loans and leases to total assets71.6360%2,143
Net loans and leases to deposits88.2026%1,817
Net loans and leases to core deposits96.5723%1,852
Total domestic deposits to total assets81.2176%3,720
Equity capital to assets10.4825%3,467
Core capital (leverage) ratio10.2915%3,198
Tier 1 risk-based capital ratio11.3992%4,681
Total risk-based capital ratio12.6596%4,550
Memoranda:
Average total assets$21,850,852,60080
Average earning assets$19,655,869,20079
Average equity$2,282,145,00092
Average total loans$15,994,456,20074
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.5095%55
Cost of funding earning assets0.9502%1,988
Net interest margin6.5593%47
Noninterest income to average assets1.5558%376
Noninterest expense to average assets4.1407%449
Loan and lease loss provision to assets1.2268%71
Net operating income to assets1.5953%943
Return on assets (ROA)1.5970%984
Pretax return on assets2.0884%565
Return on Equity (ROE)15.3050%715
Retained earnings to average equity (ytd only)8.1134%1,346
Net charge-offs to loans1.9626%59
Credit loss provision to net charge-offs85.4278%2,442
Earnings coverage of net charge-offs (x)2.3070%3,208
Efficiency ratio55.2754%4,246
Assets per employee ($millions)4.7603%2,839
Cash dividends to net income (ytd only)*46.9886%1,828
Condition Ratios (%)
Loss allowance to loans2.3020%284
Loan loss allowance to noncurrent loans326.9342%1,406
Noncurrent assets plus other real estate owned to assets0.5263%2,421
Noncurrent loans to loans0.7041%2,196
Net loans and leases to total assets70.7798%2,359
Net loans and leases to deposits86.0007%2,186
Net loans and leases to core deposits92.5460%2,312
Total domestic deposits to total assets82.3014%3,385
Equity capital to assets10.7196%3,363
Core capital (leverage) ratio10.4479%3,147
Tier 1 risk-based capital ratio11.7007%4,569
Total risk-based capital ratio13.0143%4,434
Memoranda:
Average total assets$21,674,806,25081
Average earning assets$19,489,365,25080
Average equity$2,261,598,50093
Average total loans$15,859,479,75076
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4993%54
Cost of funding earning assets0.9647%1,845
Net interest margin6.5346%48
Noninterest income to average assets1.4725%415
Noninterest expense to average assets4.0863%483
Loan and lease loss provision to assets1.1214%85
Net operating income to assets1.6405%834
Return on assets (ROA)1.6417%867
Pretax return on assets2.1455%503
Return on Equity (ROE)15.8827%608
Retained earnings to average equity (ytd only)9.0547%1,020
Net charge-offs to loans1.9359%56
Credit loss provision to net charge-offs78.8990%2,232
Earnings coverage of net charge-offs (x)2.2974%2,952
Efficiency ratio55.2940%4,338
Assets per employee ($millions)4.5450%3,070
Cash dividends to net income (ytd only)*42.9899%2,093
Condition Ratios (%)
Loss allowance to loans2.3470%276
Loan loss allowance to noncurrent loans335.5764%1,414
Noncurrent assets plus other real estate owned to assets0.5376%2,399
Noncurrent loans to loans0.6994%2,227
Net loans and leases to total assets72.1490%2,194
Net loans and leases to deposits85.9897%2,256
Net loans and leases to core deposits95.1093%2,143
Total domestic deposits to total assets83.9042%2,908
Equity capital to assets10.8487%3,227
Core capital (leverage) ratio10.2941%3,294
Tier 1 risk-based capital ratio11.7495%4,542
Total risk-based capital ratio13.0649%4,411
Memoranda:
Average total assets$21,532,376,00082
Average earning assets$19,372,578,33081
Average equity$2,225,709,00093
Average total loans$15,808,498,33075
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4942%56
Cost of funding earning assets0.9487%1,800
Net interest margin6.5454%50
Noninterest income to average assets1.3304%483
Noninterest expense to average assets3.9826%554
Loan and lease loss provision to assets1.2036%70
Net operating income to assets1.5282%1,055
Return on assets (ROA)1.5314%1,071
Pretax return on assets2.0000%642
Return on Equity (ROE)15.1872%713
Retained earnings to average equity (ytd only)8.2162%1,589
Net charge-offs to loans1.6431%71
Credit loss provision to net charge-offs100.0877%1,573
Earnings coverage of net charge-offs (x)2.6606%2,474
Efficiency ratio55.1533%4,418
Assets per employee ($millions)4.5845%3,067
Cash dividends to net income (ytd only)*45.9002%1,742
Condition Ratios (%)
Loss allowance to loans2.5655%228
Loan loss allowance to noncurrent loans348.1627%1,404
Noncurrent assets plus other real estate owned to assets0.5564%2,421
Noncurrent loans to loans0.7369%2,181
Net loans and leases to total assets70.6147%2,387
Net loans and leases to deposits84.7981%2,286
Net loans and leases to core deposits94.6011%2,071
Total domestic deposits to total assets83.2739%3,293
Equity capital to assets10.2562%3,567
Core capital (leverage) ratio10.0910%3,500
Tier 1 risk-based capital ratio11.4601%4,764
Total risk-based capital ratio12.7778%4,622
Memoranda:
Average total assets$21,620,050,00082
Average earning assets$19,329,016,00081
Average equity$2,180,079,00095
Average total loans$15,823,136,50076
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3849%58
Cost of funding earning assets0.6856%2,175
Net interest margin6.6993%44
Noninterest income to average assets1.7046%332
Noninterest expense to average assets4.3501%350
Loan and lease loss provision to assets1.5957%40
Net operating income to assets1.3996%1,435
Return on assets (ROA)1.3957%1,440
Pretax return on assets1.7958%935
Return on Equity (ROE)14.1374%1,016
Retained earnings to average equity (ytd only)8.6953%981
Net charge-offs to loans2.0677%50
Credit loss provision to net charge-offs103.1338%2,455
Earnings coverage of net charge-offs (x)2.1952%3,550
Efficiency ratio55.8001%4,433
Assets per employee ($millions)4.5630%3,069
Cash dividends to net income (ytd only)*38.4945%2,609
Condition Ratios (%)
Loss allowance to loans2.5242%227
Loan loss allowance to noncurrent loans331.6182%1,522
Noncurrent assets plus other real estate owned to assets0.6124%2,207
Noncurrent loans to loans0.7612%2,099
Net loans and leases to total assets72.0376%2,250
Net loans and leases to deposits87.3286%2,133
Net loans and leases to core deposits96.9333%1,971
Total domestic deposits to total assets82.4903%3,487
Equity capital to assets9.9104%3,755
Core capital (leverage) ratio10.0617%3,507
Tier 1 risk-based capital ratio11.0643%4,946
Total risk-based capital ratio12.3808%4,810
Memoranda:
Average total assets$20,478,055,00084
Average earning assets$18,468,939,80083
Average equity$2,021,659,20095
Average total loans$15,323,201,00077
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3142%55
Cost of funding earning assets0.6190%2,346
Net interest margin6.6952%44
Noninterest income to average assets1.7689%334
Noninterest expense to average assets4.3952%321
Loan and lease loss provision to assets1.5812%42
Net operating income to assets1.4473%1,335
Return on assets (ROA)1.4432%1,352
Pretax return on assets1.8449%917
Return on Equity (ROE)14.6342%954
Retained earnings to average equity (ytd only)9.2792%1,124
Net charge-offs to loans2.0726%44
Credit loss provision to net charge-offs101.6237%2,234
Earnings coverage of net charge-offs (x)2.2053%3,268
Efficiency ratio55.7870%4,409
Assets per employee ($millions)4.3742%3,318
Cash dividends to net income (ytd only)*36.5923%2,225
Condition Ratios (%)
Loss allowance to loans2.5686%220
Loan loss allowance to noncurrent loans372.4801%1,398
Noncurrent assets plus other real estate owned to assets0.5796%2,438
Noncurrent loans to loans0.6896%2,353
Net loans and leases to total assets73.6463%2,051
Net loans and leases to deposits88.5104%2,084
Net loans and leases to core deposits97.0816%2,015
Total domestic deposits to total assets83.2064%3,230
Equity capital to assets10.0439%3,593
Core capital (leverage) ratio10.1304%3,490
Tier 1 risk-based capital ratio11.1555%4,968
Total risk-based capital ratio12.5284%4,804
Memoranda:
Average total assets$20,201,847,50085
Average earning assets$18,278,118,25083
Average equity$1,992,338,00094
Average total loans$15,166,396,50077
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1846%57
Cost of funding earning assets0.5580%2,534
Net interest margin6.6266%44
Noninterest income to average assets1.7793%327
Noninterest expense to average assets4.4242%318
Loan and lease loss provision to assets1.7448%40
Net operating income to assets1.2316%2,055
Return on assets (ROA)1.2302%2,055
Pretax return on assets1.6034%1,493
Return on Equity (ROE)12.5525%1,523
Retained earnings to average equity (ytd only)7.4816%1,850
Net charge-offs to loans2.1233%45
Credit loss provision to net charge-offs109.7093%1,898
Earnings coverage of net charge-offs (x)2.1064%2,997
Efficiency ratio56.5229%4,414
Assets per employee ($millions)4.3143%3,405
Cash dividends to net income (ytd only)*40.3971%2,105
Condition Ratios (%)
Loss allowance to loans2.6777%203
Loan loss allowance to noncurrent loans365.1776%1,417
Noncurrent assets plus other real estate owned to assets0.5933%2,445
Noncurrent loans to loans0.7333%2,276
Net loans and leases to total assets73.5641%2,020
Net loans and leases to deposits88.0539%2,111
Net loans and leases to core deposits96.3617%2,029
Total domestic deposits to total assets83.5444%3,239
Equity capital to assets9.9081%3,716
Core capital (leverage) ratio9.9614%3,619
Tier 1 risk-based capital ratio10.9347%5,090
Total risk-based capital ratio12.3100%4,916
Memoranda:
Average total assets$20,128,124,67085
Average earning assets$18,209,028,00083
Average equity$1,972,696,67096
Average total loans$15,076,090,00077
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0909%55
Cost of funding earning assets0.5060%2,751
Net interest margin6.5849%42
Noninterest income to average assets1.7313%332
Noninterest expense to average assets4.2409%383
Loan and lease loss provision to assets1.8932%37
Net operating income to assets1.1917%2,044
Return on assets (ROA)1.1890%2,068
Pretax return on assets1.5471%1,538
Return on Equity (ROE)12.1991%1,508
Retained earnings to average equity (ytd only)7.0950%2,239
Net charge-offs to loans2.1452%54
Credit loss provision to net charge-offs118.3709%1,392
Earnings coverage of net charge-offs (x)2.1532%2,487
Efficiency ratio54.7795%4,709
Assets per employee ($millions)4.1740%3,693
Cash dividends to net income (ytd only)*41.8397%1,778
Condition Ratios (%)
Loss allowance to loans2.7366%201
Loan loss allowance to noncurrent loans351.7516%1,468
Noncurrent assets plus other real estate owned to assets0.6193%2,455
Noncurrent loans to loans0.7780%2,257
Net loans and leases to total assets72.9061%2,038
Net loans and leases to deposits85.8982%2,176
Net loans and leases to core deposits94.8244%2,072
Total domestic deposits to total assets84.8749%2,983
Equity capital to assets9.9038%3,696
Core capital (leverage) ratio9.8534%3,708
Tier 1 risk-based capital ratio10.9857%5,136
Total risk-based capital ratio12.3645%4,975
Memoranda:
Average total assets$20,107,500,00086
Average earning assets$18,178,930,50085
Average equity$1,959,847,50096
Average total loans$14,991,309,00078
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8627%57
Cost of funding earning assets0.4178%3,069
Net interest margin6.4449%51
Noninterest income to average assets1.8151%342
Noninterest expense to average assets4.3394%360
Loan and lease loss provision to assets1.7753%43
Net operating income to assets0.6575%3,789
Return on assets (ROA)0.6587%3,826
Pretax return on assets1.4680%1,751
Return on Equity (ROE)6.5317%3,514
Retained earnings to average equity (ytd only)1.9476%4,157
Net charge-offs to loans1.9489%72
Credit loss provision to net charge-offs123.1808%2,122
Earnings coverage of net charge-offs (x)2.2491%3,776
Efficiency ratio56.7486%4,688
Assets per employee ($millions)4.3672%3,379
Cash dividends to net income (ytd only)*70.1831%1,260
Condition Ratios (%)
Loss allowance to loans2.6018%218
Loan loss allowance to noncurrent loans353.0070%1,467
Noncurrent assets plus other real estate owned to assets0.5820%2,609
Noncurrent loans to loans0.7370%2,364
Net loans and leases to total assets72.2343%2,194
Net loans and leases to deposits87.1179%2,115
Net loans and leases to core deposits96.4122%1,994
Total domestic deposits to total assets82.9156%3,590
Equity capital to assets9.5936%4,148
Core capital (leverage) ratio9.7016%3,814
Tier 1 risk-based capital ratio10.4425%5,387
Total risk-based capital ratio11.8175%5,249
Memoranda:
Average total assets$19,470,219,20085
Average earning assets$17,418,396,40084
Average equity$1,963,431,20092
Average total loans$14,398,692,80076
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8039%61
Cost of funding earning assets0.4053%3,133
Net interest margin6.3987%52
Noninterest income to average assets1.8082%361
Noninterest expense to average assets4.3247%361
Loan and lease loss provision to assets1.7790%47
Net operating income to assets0.9099%2,979
Return on assets (ROA)0.9114%3,028
Pretax return on assets1.4289%2,021
Return on Equity (ROE)8.9232%2,648
Retained earnings to average equity (ytd only)4.3456%3,324
Net charge-offs to loans1.8898%78
Credit loss provision to net charge-offs127.3899%1,918
Earnings coverage of net charge-offs (x)2.2954%3,483
Efficiency ratio56.9151%4,622
Assets per employee ($millions)4.1659%3,712
Cash dividends to net income (ytd only)*51.2999%1,703
Condition Ratios (%)
Loss allowance to loans2.6356%226
Loan loss allowance to noncurrent loans326.5666%1,481
Noncurrent assets plus other real estate owned to assets0.6434%2,571
Noncurrent loans to loans0.8071%2,346
Net loans and leases to total assets73.1245%2,076
Net loans and leases to deposits86.8790%2,198
Net loans and leases to core deposits95.8800%2,087
Total domestic deposits to total assets84.1682%3,059
Equity capital to assets10.3538%3,532
Core capital (leverage) ratio9.8304%3,783
Tier 1 risk-based capital ratio10.9869%5,254
Total risk-based capital ratio12.4239%5,046
Memoranda:
Average total assets$19,250,005,50085
Average earning assets$17,214,672,00083
Average equity$1,966,187,75090
Average total loans$14,225,079,00076
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6425%67
Cost of funding earning assets0.3750%3,340
Net interest margin6.2675%59
Noninterest income to average assets1.8254%366
Noninterest expense to average assets4.2990%374
Loan and lease loss provision to assets1.7357%52
Net operating income to assets0.8831%3,002
Return on assets (ROA)0.8851%3,048
Pretax return on assets1.3839%2,080
Return on Equity (ROE)8.7060%2,662
Retained earnings to average equity (ytd only)4.0998%3,267
Net charge-offs to loans1.8626%93
Credit loss provision to net charge-offs126.7968%1,711
Earnings coverage of net charge-offs (x)2.2767%3,180
Efficiency ratio57.4397%4,660
Assets per employee ($millions)4.1821%3,658
Cash dividends to net income (ytd only)*52.9080%1,745
Condition Ratios (%)
Loss allowance to loans2.5122%280
Loan loss allowance to noncurrent loans373.0282%1,319
Noncurrent assets plus other real estate owned to assets0.5475%2,938
Noncurrent loans to loans0.6735%2,734
Net loans and leases to total assets72.1490%2,179
Net loans and leases to deposits87.1449%2,085
Net loans and leases to core deposits95.2793%2,043
Total domestic deposits to total assets82.7919%3,631
Equity capital to assets10.1474%3,743
Core capital (leverage) ratio9.9193%3,635
Tier 1 risk-based capital ratio10.6935%5,380
Total risk-based capital ratio12.1259%5,231
Memoranda:
Average total assets$19,219,224,33083
Average earning assets$17,141,746,67083
Average equity$1,954,024,67090
Average total loans$14,124,482,00076
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5546%79
Cost of funding earning assets0.3537%3,486
Net interest margin6.2009%64
Noninterest income to average assets1.8171%359
Noninterest expense to average assets4.4484%347
Loan and lease loss provision to assets1.6937%47
Net operating income to assets0.7774%3,325
Return on assets (ROA)0.7774%3,384
Pretax return on assets1.2135%2,537
Return on Equity (ROE)7.6391%3,097
Retained earnings to average equity (ytd only)3.0013%3,909
Net charge-offs to loans1.8087%85
Credit loss provision to net charge-offs127.8784%1,331
Earnings coverage of net charge-offs (x)2.1950%2,626
Efficiency ratio59.9291%4,457
Assets per employee ($millions)4.0347%3,952
Cash dividends to net income (ytd only)*60.7112%1,403
Condition Ratios (%)
Loss allowance to loans2.4807%317
Loan loss allowance to noncurrent loans318.0798%1,542
Noncurrent assets plus other real estate owned to assets0.6200%2,774
Noncurrent loans to loans0.7799%2,512
Net loans and leases to total assets70.6834%2,263
Net loans and leases to deposits82.2761%2,466
Net loans and leases to core deposits89.2988%2,419
Total domestic deposits to total assets85.9100%2,708
Equity capital to assets10.1490%3,571
Core capital (leverage) ratio9.9990%3,498
Tier 1 risk-based capital ratio10.9039%5,360
Total risk-based capital ratio12.3413%5,163
Memoranda:
Average total assets$19,069,797,00082
Average earning assets$17,032,433,50083
Average equity$1,940,748,00086
Average total loans$13,964,230,50076
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4450%71
Cost of funding earning assets0.3624%3,390
Net interest margin6.0826%64
Noninterest income to average assets2.4110%264
Noninterest expense to average assets4.5999%346
Loan and lease loss provision to assets1.4442%64
Net operating income to assets1.1441%1,716
Return on assets (ROA)1.1466%1,799
Pretax return on assets1.8080%789
Return on Equity (ROE)11.2758%1,479
Retained earnings to average equity (ytd only)6.5121%1,453
Net charge-offs to loans1.5517%91
Credit loss provision to net charge-offs126.8448%2,106
Earnings coverage of net charge-offs (x)2.8529%3,762
Efficiency ratio58.0151%4,848
Assets per employee ($millions)3.9828%3,996
Cash dividends to net income (ytd only)*42.2469%2,759
Condition Ratios (%)
Loss allowance to loans2.3385%380
Loan loss allowance to noncurrent loans346.9776%1,444
Noncurrent assets plus other real estate owned to assets0.5533%3,074
Noncurrent loans to loans0.6740%2,850
Net loans and leases to total assets72.2527%2,132
Net loans and leases to deposits84.8596%2,322
Net loans and leases to core deposits92.3374%2,266
Total domestic deposits to total assets85.1438%2,982
Equity capital to assets10.2055%3,486
Core capital (leverage) ratio10.0371%3,440
Tier 1 risk-based capital ratio10.7678%5,456
Total risk-based capital ratio12.2025%5,260
Memoranda:
Average total assets$18,580,367,00080
Average earning assets$16,608,290,40081
Average equity$1,889,443,80082
Average total loans$13,632,946,40076
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4172%76
Cost of funding earning assets0.3644%3,393
Net interest margin6.0528%67
Noninterest income to average assets2.5946%247
Noninterest expense to average assets4.6052%348
Loan and lease loss provision to assets1.3862%66
Net operating income to assets1.2742%1,368
Return on assets (ROA)1.2761%1,464
Pretax return on assets2.0236%541
Return on Equity (ROE)12.5605%1,156
Retained earnings to average equity (ytd only)7.7695%1,269
Net charge-offs to loans1.5385%84
Credit loss provision to net charge-offs123.0622%2,054
Earnings coverage of net charge-offs (x)3.0245%3,477
Efficiency ratio56.8756%4,972
Assets per employee ($millions)3.9208%4,095
Cash dividends to net income (ytd only)*38.1434%2,434
Condition Ratios (%)
Loss allowance to loans2.2624%461
Loan loss allowance to noncurrent loans352.5608%1,427
Noncurrent assets plus other real estate owned to assets0.5285%3,342
Noncurrent loans to loans0.6417%3,096
Net loans and leases to total assets71.3059%2,295
Net loans and leases to deposits85.6642%2,296
Net loans and leases to core deposits92.4011%2,339
Total domestic deposits to total assets83.2388%3,501
Equity capital to assets10.5087%3,554
Core capital (leverage) ratio9.8420%3,762
Tier 1 risk-based capital ratio10.9162%5,413
Total risk-based capital ratio12.4134%5,188
Memoranda:
Average total assets$18,490,871,25081
Average earning assets$16,550,055,25081
Average equity$1,878,615,75082
Average total loans$13,538,403,00076
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3129%88
Cost of funding earning assets0.3468%3,605
Net interest margin5.9661%72
Noninterest income to average assets1.9207%356
Noninterest expense to average assets4.6111%344
Loan and lease loss provision to assets1.3819%68
Net operating income to assets0.8056%3,286
Return on assets (ROA)0.8084%3,403
Pretax return on assets1.2917%2,441
Return on Equity (ROE)8.0502%2,957
Retained earnings to average equity (ytd only)3.1943%3,866
Net charge-offs to loans1.5268%93
Credit loss provision to net charge-offs123.4674%1,820
Earnings coverage of net charge-offs (x)2.3848%3,281
Efficiency ratio62.6609%4,240
Assets per employee ($millions)3.9858%3,936
Cash dividends to net income (ytd only)*60.3201%1,511
Condition Ratios (%)
Loss allowance to loans2.1341%591
Loan loss allowance to noncurrent loans329.9604%1,504
Noncurrent assets plus other real estate owned to assets0.5445%3,398
Noncurrent loans to loans0.6468%3,137
Net loans and leases to total assets72.3959%2,107
Net loans and leases to deposits88.9266%1,876
Net loans and leases to core deposits94.0177%2,170
Total domestic deposits to total assets81.4108%4,161
Equity capital to assets10.0580%4,155
Core capital (leverage) ratio9.5556%4,125
Tier 1 risk-based capital ratio10.5081%5,668
Total risk-based capital ratio12.0064%5,465
Memoranda:
Average total assets$18,457,063,00082
Average earning assets$16,580,591,33082
Average equity$1,853,548,67082
Average total loans$13,529,776,67075
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3189%90
Cost of funding earning assets0.3405%3,713
Net interest margin5.9784%71
Noninterest income to average assets1.8390%383
Noninterest expense to average assets4.5311%384
Loan and lease loss provision to assets1.2210%75
Net operating income to assets0.9334%2,590
Return on assets (ROA)0.9392%2,675
Pretax return on assets1.4543%1,736
Return on Equity (ROE)9.3600%2,260
Retained earnings to average equity (ytd only)4.4694%3,249
Net charge-offs to loans1.5247%120
Credit loss provision to net charge-offs109.7532%1,521
Earnings coverage of net charge-offs (x)2.3967%2,685
Efficiency ratio62.2593%4,415
Assets per employee ($millions)3.9187%4,091
Cash dividends to net income (ytd only)*52.2500%1,670
Condition Ratios (%)
Loss allowance to loans2.0726%724
Loan loss allowance to noncurrent loans321.1262%1,518
Noncurrent assets plus other real estate owned to assets0.5373%3,467
Noncurrent loans to loans0.6454%3,235
Net loans and leases to total assets70.7327%2,230
Net loans and leases to deposits85.4804%2,127
Net loans and leases to core deposits90.7406%2,301
Total domestic deposits to total assets82.7473%3,987
Equity capital to assets10.1048%3,943
Core capital (leverage) ratio9.6548%3,962
Tier 1 risk-based capital ratio10.7492%5,642
Total risk-based capital ratio12.2536%5,411
Memoranda:
Average total assets$18,340,881,50083
Average earning assets$16,438,880,50083
Average equity$1,840,435,00083
Average total loans$13,381,955,00075
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2509%101
Cost of funding earning assets0.2751%4,535
Net interest margin5.9758%73
Noninterest income to average assets1.9897%362
Noninterest expense to average assets4.6146%379
Loan and lease loss provision to assets1.0129%84
Net operating income to assets1.0895%1,971
Return on assets (ROA)1.0913%2,030
Pretax return on assets1.7021%992
Return on Equity (ROE)10.7426%1,713
Retained earnings to average equity (ytd only)5.2833%2,219
Net charge-offs to loans1.4248%115
Credit loss provision to net charge-offs97.5991%2,604
Earnings coverage of net charge-offs (x)2.6135%3,865
Efficiency ratio62.2550%4,560
Assets per employee ($millions)3.9193%4,085
Cash dividends to net income (ytd only)*50.8189%2,264
Condition Ratios (%)
Loss allowance to loans2.0122%785
Loan loss allowance to noncurrent loans315.3883%1,570
Noncurrent assets plus other real estate owned to assets0.5533%3,441
Noncurrent loans to loans0.6380%3,275
Net loans and leases to total assets72.2186%2,012
Net loans and leases to deposits87.2369%1,970
Net loans and leases to core deposits92.5572%2,171
Total domestic deposits to total assets82.7844%3,913
Equity capital to assets9.9638%4,002
Core capital (leverage) ratio9.7362%3,855
Tier 1 risk-based capital ratio10.5577%5,749
Total risk-based capital ratio12.0168%5,557
Memoranda:
Average total assets$17,578,850,20081
Average earning assets$15,700,083,60083
Average equity$1,785,724,20086
Average total loans$12,804,456,80073
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2246%103
Cost of funding earning assets0.2686%4,679
Net interest margin5.9561%75
Noninterest income to average assets1.9800%365
Noninterest expense to average assets4.6262%377
Loan and lease loss provision to assets1.0170%65
Net operating income to assets1.0631%2,158
Return on assets (ROA)1.0655%2,240
Pretax return on assets1.6640%1,205
Return on Equity (ROE)10.4365%1,924
Retained earnings to average equity (ytd only)4.6783%3,143
Net charge-offs to loans1.4850%97
Credit loss provision to net charge-offs94.3156%2,406
Earnings coverage of net charge-offs (x)2.4828%3,667
Efficiency ratio62.6146%4,474
Assets per employee ($millions)3.8702%4,137
Cash dividends to net income (ytd only)*55.1739%1,647
Condition Ratios (%)
Loss allowance to loans2.0737%818
Loan loss allowance to noncurrent loans313.0134%1,558
Noncurrent assets plus other real estate owned to assets0.5691%3,593
Noncurrent loans to loans0.6625%3,346
Net loans and leases to total assets71.5573%2,130
Net loans and leases to deposits87.1463%2,006
Net loans and leases to core deposits92.5872%2,207
Total domestic deposits to total assets82.1116%4,127
Equity capital to assets10.2848%3,836
Core capital (leverage) ratio9.7038%4,030
Tier 1 risk-based capital ratio10.7628%5,772
Total risk-based capital ratio12.2944%5,531
Memoranda:
Average total assets$17,408,556,50082
Average earning assets$15,559,332,75084
Average equity$1,777,305,75087
Average total loans$12,641,087,00073
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1542%112
Cost of funding earning assets0.2654%4,766
Net interest margin5.8888%81
Noninterest income to average assets1.9896%376
Noninterest expense to average assets4.4303%449
Loan and lease loss provision to assets0.9750%73
Net operating income to assets1.1783%1,674
Return on assets (ROA)1.1819%1,727
Pretax return on assets1.8371%833
Return on Equity (ROE)11.6056%1,497
Retained earnings to average equity (ytd only)6.0584%2,208
Net charge-offs to loans1.5570%112
Credit loss provision to net charge-offs86.4195%2,254
Earnings coverage of net charge-offs (x)2.4875%3,333
Efficiency ratio60.5236%4,908
Assets per employee ($millions)3.8660%4,134
Cash dividends to net income (ytd only)*47.7976%2,031
Condition Ratios (%)
Loss allowance to loans2.0616%899
Loan loss allowance to noncurrent loans285.3193%1,676
Noncurrent assets plus other real estate owned to assets0.6210%3,550
Noncurrent loans to loans0.7225%3,316
Net loans and leases to total assets70.9367%2,170
Net loans and leases to deposits86.6564%1,985
Net loans and leases to core deposits91.0442%2,237
Total domestic deposits to total assets81.8597%4,344
Equity capital to assets10.2472%3,753
Core capital (leverage) ratio9.8634%3,784
Tier 1 risk-based capital ratio10.7842%5,812
Total risk-based capital ratio12.3208%5,598
Memoranda:
Average total assets$17,333,862,67080
Average earning assets$15,445,183,33084
Average equity$1,765,249,67090
Average total loans$12,559,909,00076
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1495%110
Cost of funding earning assets0.2625%4,874
Net interest margin5.8870%79
Noninterest income to average assets1.7971%419
Noninterest expense to average assets4.3884%462
Loan and lease loss provision to assets0.9464%91
Net operating income to assets1.0945%1,889
Return on assets (ROA)1.0945%1,999
Pretax return on assets1.6968%1,055
Return on Equity (ROE)10.7812%1,702
Retained earnings to average equity (ytd only)4.3169%3,422
Net charge-offs to loans1.3800%146
Credit loss provision to net charge-offs94.6313%1,712
Earnings coverage of net charge-offs (x)2.6429%2,722
Efficiency ratio61.6786%4,848
Assets per employee ($millions)3.8099%4,318
Cash dividends to net income (ytd only)*59.9584%1,430
Condition Ratios (%)
Loss allowance to loans2.1968%809
Loan loss allowance to noncurrent loans290.5490%1,644
Noncurrent assets plus other real estate owned to assets0.6481%3,564
Noncurrent loans to loans0.7561%3,366
Net loans and leases to total assets71.1124%1,964
Net loans and leases to deposits83.8519%2,101
Net loans and leases to core deposits88.0568%2,328
Total domestic deposits to total assets84.8072%3,505
Equity capital to assets10.3405%3,734
Core capital (leverage) ratio9.8480%3,823
Tier 1 risk-based capital ratio10.8467%5,880
Total risk-based capital ratio12.3906%5,660
Memoranda:
Average total assets$17,230,799,50082
Average earning assets$15,321,211,00085
Average equity$1,749,198,50090
Average total loans$12,487,767,00075
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0897%138
Cost of funding earning assets0.2977%4,818
Net interest margin5.7920%95
Noninterest income to average assets1.9994%342
Noninterest expense to average assets4.3685%519
Loan and lease loss provision to assets1.0039%110
Net operating income to assets1.1211%1,900
Return on assets (ROA)1.1212%1,957
Pretax return on assets1.7302%922
Return on Equity (ROE)11.1027%1,693
Retained earnings to average equity (ytd only)5.5266%2,244
Net charge-offs to loans1.4392%173
Credit loss provision to net charge-offs97.6746%2,483
Earnings coverage of net charge-offs (x)2.6599%4,097
Efficiency ratio60.6930%5,116
Assets per employee ($millions)3.8455%4,258
Cash dividends to net income (ytd only)*50.2231%2,264
Condition Ratios (%)
Loss allowance to loans2.1920%831
Loan loss allowance to noncurrent loans292.4513%1,664
Noncurrent assets plus other real estate owned to assets0.6513%3,615
Noncurrent loans to loans0.7495%3,452
Net loans and leases to total assets70.6578%2,135
Net loans and leases to deposits84.3994%2,166
Net loans and leases to core deposits89.1122%2,371
Total domestic deposits to total assets83.7184%3,829
Equity capital to assets9.9659%4,155
Core capital (leverage) ratio9.7561%3,896
Tier 1 risk-based capital ratio11.3217%5,755
Total risk-based capital ratio12.9271%5,468
Memoranda:
Average total assets$16,869,319,40080
Average earning assets$14,862,464,20082
Average equity$1,703,543,20088
Average total loans$12,047,249,60076
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0633%144
Cost of funding earning assets0.3038%4,855
Net interest margin5.7596%100
Noninterest income to average assets1.9873%348
Noninterest expense to average assets4.3731%521
Loan and lease loss provision to assets1.1552%85
Net operating income to assets0.9910%2,494
Return on assets (ROA)0.9911%2,554
Pretax return on assets1.5243%1,568
Return on Equity (ROE)9.7807%2,321
Retained earnings to average equity (ytd only)5.0171%3,066
Net charge-offs to loans1.5116%159
Credit loss provision to net charge-offs107.3282%2,074
Earnings coverage of net charge-offs (x)2.4893%3,905
Efficiency ratio61.1713%5,013
Assets per employee ($millions)3.8590%4,169
Cash dividends to net income (ytd only)*48.7039%1,903
Condition Ratios (%)
Loss allowance to loans2.3917%745
Loan loss allowance to noncurrent loans307.5624%1,498
Noncurrent assets plus other real estate owned to assets0.6853%3,773
Noncurrent loans to loans0.7776%3,640
Net loans and leases to total assets69.4121%2,283
Net loans and leases to deposits81.3993%2,503
Net loans and leases to core deposits87.5541%2,477
Total domestic deposits to total assets85.2736%3,233
Equity capital to assets10.2134%3,916
Core capital (leverage) ratio9.6128%4,218
Tier 1 risk-based capital ratio11.5914%5,746
Total risk-based capital ratio13.2143%5,425
Memoranda:
Average total assets$16,742,153,00081
Average earning assets$14,723,372,00081
Average equity$1,696,461,25089
Average total loans$11,920,539,25075
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1232%132
Cost of funding earning assets0.3233%4,719
Net interest margin5.7999%95
Noninterest income to average assets2.0221%336
Noninterest expense to average assets4.5395%434
Loan and lease loss provision to assets1.2985%71
Net operating income to assets0.8159%3,252
Return on assets (ROA)0.8158%3,352
Pretax return on assets1.2572%2,425
Return on Equity (ROE)8.0875%3,040
Retained earnings to average equity (ytd only)3.8264%3,744
Net charge-offs to loans1.6194%158
Credit loss provision to net charge-offs112.5499%1,788
Earnings coverage of net charge-offs (x)2.2152%3,605
Efficiency ratio63.1081%4,840
Assets per employee ($millions)3.7726%4,311
Cash dividends to net income (ytd only)*52.6875%1,820
Condition Ratios (%)
Loss allowance to loans2.4750%740
Loan loss allowance to noncurrent loans280.5506%1,598
Noncurrent assets plus other real estate owned to assets0.7570%3,701
Noncurrent loans to loans0.8822%3,493
Net loans and leases to total assets69.3313%2,183
Net loans and leases to deposits82.0113%2,248
Net loans and leases to core deposits87.8878%2,324
Total domestic deposits to total assets84.5387%3,706
Equity capital to assets10.1452%3,908
Core capital (leverage) ratio9.7466%3,970
Tier 1 risk-based capital ratio11.4990%5,800
Total risk-based capital ratio13.1330%5,527
Memoranda:
Average total assets$16,279,248,67081
Average earning assets$14,239,119,00083
Average equity$1,642,064,67089
Average total loans$11,597,525,33076
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1347%119
Cost of funding earning assets0.3291%4,744
Net interest margin5.8056%95
Noninterest income to average assets1.9462%350
Noninterest expense to average assets4.4670%470
Loan and lease loss provision to assets1.2655%86
Net operating income to assets0.8369%2,968
Return on assets (ROA)0.8368%3,041
Pretax return on assets1.2819%2,164
Return on Equity (ROE)8.3203%2,784
Retained earnings to average equity (ytd only)3.4128%4,086
Net charge-offs to loans1.6721%180
Credit loss provision to net charge-offs106.1224%1,581
Earnings coverage of net charge-offs (x)2.1362%2,945
Efficiency ratio62.7738%5,025
Assets per employee ($millions)3.6983%4,522
Cash dividends to net income (ytd only)*58.9830%1,438
Condition Ratios (%)
Loss allowance to loans2.4471%863
Loan loss allowance to noncurrent loans269.8861%1,626
Noncurrent assets plus other real estate owned to assets0.7895%3,767
Noncurrent loans to loans0.9067%3,614
Net loans and leases to total assets68.7802%2,096
Net loans and leases to deposits81.3270%2,126
Net loans and leases to core deposits85.7691%2,349
Total domestic deposits to total assets84.5724%4,055
Equity capital to assets10.1114%3,709
Core capital (leverage) ratio9.6754%4,028
Tier 1 risk-based capital ratio11.5551%5,882
Total risk-based capital ratio13.1948%5,609
Memoranda:
Average total assets$16,205,973,00080
Average earning assets$14,147,786,00084
Average equity$1,629,885,00089
Average total loans$11,557,672,00075
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4794%98
Cost of funding earning assets0.3783%4,858
Net interest margin6.1011%76
Noninterest income to average assets2.3318%315
Noninterest expense to average assets4.8578%387
Loan and lease loss provision to assets1.1616%144
Net operating income to assets1.0575%2,081
Return on assets (ROA)1.0751%2,104
Pretax return on assets1.6703%1,018
Return on Equity (ROE)10.7428%1,846
Retained earnings to average equity (ytd only)4.9474%2,627
Net charge-offs to loans1.6966%255
Credit loss provision to net charge-offs95.8020%2,609
Earnings coverage of net charge-offs (x)2.3127%4,238
Efficiency ratio62.3487%5,149
Assets per employee ($millions)3.6170%4,639
Cash dividends to net income (ytd only)*53.9471%2,079
Condition Ratios (%)
Loss allowance to loans2.5356%793
Loan loss allowance to noncurrent loans293.8492%1,517
Noncurrent assets plus other real estate owned to assets0.7971%3,889
Noncurrent loans to loans0.8629%3,822
Net loans and leases to total assets70.6727%1,904
Net loans and leases to deposits85.5571%1,742
Net loans and leases to core deposits90.6649%1,942
Total domestic deposits to total assets82.6030%4,678
Equity capital to assets10.3003%3,391
Core capital (leverage) ratio9.9293%3,668
Tier 1 risk-based capital ratio11.3385%6,003
Total risk-based capital ratio13.0065%5,700
Memoranda:
Average total assets$14,225,337,00083
Average earning assets$12,427,974,60088
Average equity$1,423,621,000101
Average total loans$10,166,240,80078
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4393%98
Cost of funding earning assets0.3734%5,060
Net interest margin6.0659%79
Noninterest income to average assets2.3260%327
Noninterest expense to average assets4.8524%377
Loan and lease loss provision to assets1.1709%123
Net operating income to assets1.0353%2,241
Return on assets (ROA)1.0591%2,236
Pretax return on assets1.6558%1,194
Return on Equity (ROE)10.6628%1,932
Retained earnings to average equity (ytd only)4.4942%3,476
Net charge-offs to loans1.6822%253
Credit loss provision to net charge-offs97.7659%2,443
Earnings coverage of net charge-offs (x)2.3291%4,061
Efficiency ratio62.4215%5,076
Assets per employee ($millions)3.6163%4,628
Cash dividends to net income (ytd only)*57.8517%1,546
Condition Ratios (%)
Loss allowance to loans2.6450%790
Loan loss allowance to noncurrent loans236.7414%1,712
Noncurrent assets plus other real estate owned to assets0.9851%3,688
Noncurrent loans to loans1.1173%3,567
Net loans and leases to total assets70.1620%1,936
Net loans and leases to deposits85.2335%1,712
Net loans and leases to core deposits90.8972%1,882
Total domestic deposits to total assets82.3175%4,820
Equity capital to assets10.0093%3,887
Core capital (leverage) ratio9.9440%3,752
Tier 1 risk-based capital ratio11.4295%6,089
Total risk-based capital ratio13.1087%5,817
Memoranda:
Average total assets$14,146,573,00084
Average earning assets$12,397,464,50087
Average equity$1,405,100,000102
Average total loans$10,071,941,25077
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3543%111
Cost of funding earning assets0.3664%5,254
Net interest margin5.9879%82
Noninterest income to average assets2.2792%367
Noninterest expense to average assets4.8279%403
Loan and lease loss provision to assets1.1421%145
Net operating income to assets1.0129%2,276
Return on assets (ROA)1.0487%2,241
Pretax return on assets1.6303%1,276
Return on Equity (ROE)10.5862%1,974
Retained earnings to average equity (ytd only)4.0026%3,747
Net charge-offs to loans1.7715%270
Credit loss provision to net charge-offs90.9251%2,417
Earnings coverage of net charge-offs (x)2.1625%3,807
Efficiency ratio62.8934%5,033
Assets per employee ($millions)3.4615%4,938
Cash dividends to net income (ytd only)*62.1903%1,435
Condition Ratios (%)
Loss allowance to loans2.6568%822
Loan loss allowance to noncurrent loans241.8018%1,682
Noncurrent assets plus other real estate owned to assets0.9850%3,792
Noncurrent loans to loans1.0988%3,733
Net loans and leases to total assets70.9570%1,728
Net loans and leases to deposits87.8084%1,363
Net loans and leases to core deposits92.6141%1,644
Total domestic deposits to total assets80.8090%5,399
Equity capital to assets10.1925%3,668
Core capital (leverage) ratio9.9867%3,549
Tier 1 risk-based capital ratio11.4948%6,113
Total risk-based capital ratio13.6056%5,542
Memoranda:
Average total assets$14,110,224,00084
Average earning assets$12,406,781,67085
Average equity$1,397,838,670103
Average total loans$10,004,661,33077
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1992%130
Cost of funding earning assets0.3574%5,465
Net interest margin5.8418%92
Noninterest income to average assets2.1558%391
Noninterest expense to average assets4.7023%455
Loan and lease loss provision to assets1.1290%147
Net operating income to assets0.9637%2,384
Return on assets (ROA)1.0182%2,272
Pretax return on assets1.5784%1,355
Return on Equity (ROE)10.4231%1,906
Retained earnings to average equity (ytd only)2.3948%4,831
Net charge-offs to loans1.7324%285
Credit loss provision to net charge-offs93.1777%1,966
Earnings coverage of net charge-offs (x)2.1651%3,111
Efficiency ratio63.0448%5,148
Assets per employee ($millions)3.5569%4,870
Cash dividends to net income (ytd only)*77.0242%939
Condition Ratios (%)
Loss allowance to loans2.7410%870
Loan loss allowance to noncurrent loans167.2112%2,177
Noncurrent assets plus other real estate owned to assets1.3726%3,214
Noncurrent loans to loans1.6392%3,084
Net loans and leases to total assets68.5154%1,922
Net loans and leases to deposits80.6466%1,996
Net loans and leases to core deposits84.6456%2,248
Total domestic deposits to total assets84.9575%4,061
Equity capital to assets9.9499%4,214
Core capital (leverage) ratio9.7363%3,738
Tier 1 risk-based capital ratio11.8260%6,014
Total risk-based capital ratio14.3288%5,115
Memoranda:
Average total assets$14,283,874,00084
Average earning assets$12,641,442,50086
Average equity$1,395,362,000102
Average total loans$9,990,839,00075
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5771%122
Cost of funding earning assets0.4514%5,574
Net interest margin6.1257%79
Noninterest income to average assets2.4618%326
Noninterest expense to average assets4.9988%378
Loan and lease loss provision to assets1.0470%372
Net operating income to assets1.1024%1,929
Return on assets (ROA)1.1271%2,017
Pretax return on assets1.7555%1,012
Return on Equity (ROE)11.0816%1,779
Retained earnings to average equity (ytd only)3.2094%3,964
Net charge-offs to loans1.8885%408
Credit loss provision to net charge-offs80.0746%3,832
Earnings coverage of net charge-offs (x)2.1139%4,357
Efficiency ratio63.2192%5,035
Assets per employee ($millions)3.6990%4,565
Cash dividends to net income (ytd only)*71.0382%1,332
Condition Ratios (%)
Loss allowance to loans2.7264%895
Loan loss allowance to noncurrent loans174.6679%2,068
Noncurrent assets plus other real estate owned to assets1.2794%3,513
Noncurrent loans to loans1.5609%3,275
Net loans and leases to total assets67.5648%2,268
Net loans and leases to deposits78.5472%2,457
Net loans and leases to core deposits82.5755%2,708
Total domestic deposits to total assets86.0181%3,359
Equity capital to assets9.5931%4,760
Core capital (leverage) ratio9.9580%3,453
Tier 1 risk-based capital ratio11.5549%6,058
Total risk-based capital ratio14.0369%5,201
Memoranda:
Average total assets$13,547,245,20086
Average earning assets$11,722,971,60091
Average equity$1,377,904,400103
Average total loans$9,379,176,00081
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6516%118
Cost of funding earning assets0.4736%5,607
Net interest margin6.1780%77
Noninterest income to average assets2.4391%320
Noninterest expense to average assets5.0255%359
Loan and lease loss provision to assets1.0008%408
Net operating income to assets1.1219%2,019
Return on assets (ROA)1.1554%2,078
Pretax return on assets1.8041%1,040
Return on Equity (ROE)11.1866%1,892
Retained earnings to average equity (ytd only)2.2160%5,229
Net charge-offs to loans1.9863%369
Credit loss provision to net charge-offs72.8381%3,827
Earnings coverage of net charge-offs (x)2.0033%4,265
Efficiency ratio63.4247%4,900
Assets per employee ($millions)3.3895%5,233
Cash dividends to net income (ytd only)*80.1906%648
Condition Ratios (%)
Loss allowance to loans2.9092%793
Loan loss allowance to noncurrent loans168.5342%2,057
Noncurrent assets plus other real estate owned to assets1.4983%3,345
Noncurrent loans to loans1.7262%3,201
Net loans and leases to total assets69.5594%2,001
Net loans and leases to deposits83.3214%1,954
Net loans and leases to core deposits87.1350%2,327
Total domestic deposits to total assets83.4833%4,444
Equity capital to assets10.5224%3,816
Core capital (leverage) ratio10.1202%3,374
Tier 1 risk-based capital ratio12.1618%5,849
Total risk-based capital ratio14.7775%4,822
Memoranda:
Average total assets$13,309,039,75086
Average earning assets$11,501,299,00092
Average equity$1,374,628,000103
Average total loans$9,206,089,25082
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6754%115
Cost of funding earning assets0.4996%5,624
Net interest margin6.1758%81
Noninterest income to average assets2.3956%312
Noninterest expense to average assets4.8528%415
Loan and lease loss provision to assets0.9444%481
Net operating income to assets1.2038%1,699
Return on assets (ROA)1.2435%1,758
Pretax return on assets1.9439%773
Return on Equity (ROE)12.1138%1,630
Retained earnings to average equity (ytd only)1.9264%5,235
Net charge-offs to loans2.1471%366
Credit loss provision to net charge-offs64.3381%3,703
Earnings coverage of net charge-offs (x)1.9254%4,017
Efficiency ratio61.9361%5,261
Assets per employee ($millions)3.4976%4,994
Cash dividends to net income (ytd only)*84.0973%710
Condition Ratios (%)
Loss allowance to loans3.0216%763
Loan loss allowance to noncurrent loans165.7238%2,024
Noncurrent assets plus other real estate owned to assets1.5007%3,448
Noncurrent loans to loans1.8233%3,187
Net loans and leases to total assets66.0401%2,661
Net loans and leases to deposits86.6420%1,523
Net loans and leases to core deposits89.4071%2,042
Total domestic deposits to total assets76.2218%6,429
Equity capital to assets10.2208%4,031
Core capital (leverage) ratio9.9991%3,420
Tier 1 risk-based capital ratio12.2255%5,771
Total risk-based capital ratio15.1885%4,467
Memoranda:
Average total assets$13,385,314,67087
Average earning assets$11,451,296,33093
Average equity$1,374,053,330102
Average total loans$9,151,069,33082
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6532%137
Cost of funding earning assets0.5138%5,726
Net interest margin6.1394%88
Noninterest income to average assets2.2785%338
Noninterest expense to average assets4.7720%435
Loan and lease loss provision to assets1.1348%348
Net operating income to assets1.0730%2,193
Return on assets (ROA)1.1504%2,059
Pretax return on assets1.7885%1,098
Return on Equity (ROE)11.1828%1,948
Retained earnings to average equity (ytd only)-3.3240%6,431
Net charge-offs to loans2.2993%376
Credit loss provision to net charge-offs72.0500%2,869
Earnings coverage of net charge-offs (x)1.7793%3,448
Efficiency ratio61.6515%5,344
Assets per employee ($millions)3.6016%4,877
Cash dividends to net income (ytd only)*129.7239%385
Condition Ratios (%)
Loss allowance to loans3.2632%639
Loan loss allowance to noncurrent loans157.6689%2,066
Noncurrent assets plus other real estate owned to assets1.6327%3,405
Noncurrent loans to loans2.0697%3,065
Net loans and leases to total assets65.4593%2,569
Net loans and leases to deposits82.1073%1,925
Net loans and leases to core deposits83.8052%2,568
Total domestic deposits to total assets79.7241%5,917
Equity capital to assets10.0241%4,096
Core capital (leverage) ratio9.8166%3,619
Tier 1 risk-based capital ratio12.1855%5,833
Total risk-based capital ratio15.1797%4,489
Memoranda:
Average total assets$13,399,360,00087
Average earning assets$11,558,852,00091
Average equity$1,378,472,000101
Average total loans$9,178,621,00082
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8265%120
Cost of funding earning assets0.7170%5,419
Net interest margin6.1095%83
Noninterest income to average assets2.2993%306
Noninterest expense to average assets5.2069%328
Loan and lease loss provision to assets0.6446%1,586
Net operating income to assets1.1223%1,746
Return on assets (ROA)1.1257%1,857
Pretax return on assets1.7483%899
Return on Equity (ROE)10.7875%1,771
Retained earnings to average equity (ytd only)8.9595%814
Net charge-offs to loans2.7371%392
Credit loss provision to net charge-offs33.6192%5,733
Earnings coverage of net charge-offs (x)1.2453%4,846
Efficiency ratio67.3583%4,503
Assets per employee ($millions)3.6062%4,758
Cash dividends to net income (ytd only)*16.9454%3,658
Condition Ratios (%)
Loss allowance to loans3.3273%609
Loan loss allowance to noncurrent loans178.3512%1,836
Noncurrent assets plus other real estate owned to assets1.5756%3,582
Noncurrent loans to loans1.8656%3,393
Net loans and leases to total assets67.0224%2,583
Net loans and leases to deposits83.7769%1,954
Net loans and leases to core deposits85.4544%2,705
Total domestic deposits to total assets80.0010%5,745
Equity capital to assets10.5498%3,474
Core capital (leverage) ratio9.8322%3,541
Tier 1 risk-based capital ratio12.2641%5,633
Total risk-based capital ratio15.2562%4,277
Memoranda:
Average total assets$13,105,449,80086
Average earning assets$11,358,494,00087
Average equity$1,367,634,20095
Average total loans$9,180,225,00081
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8978%112
Cost of funding earning assets0.7659%5,360
Net interest margin6.1319%80
Noninterest income to average assets2.3831%286
Noninterest expense to average assets4.8521%420
Loan and lease loss provision to assets0.4149%2,388
Net operating income to assets1.5441%862
Return on assets (ROA)1.5712%889
Pretax return on assets2.4708%263
Return on Equity (ROE)15.0988%828
Retained earnings to average equity (ytd only)12.6393%415
Net charge-offs to loans3.0668%305
Credit loss provision to net charge-offs19.2611%5,570
Earnings coverage of net charge-offs (x)1.3200%4,630
Efficiency ratio61.8613%5,430
Assets per employee ($millions)3.5611%4,848
Cash dividends to net income (ytd only)*16.2894%3,072
Condition Ratios (%)
Loss allowance to loans3.4621%587
Loan loss allowance to noncurrent loans157.8021%1,938
Noncurrent assets plus other real estate owned to assets1.8596%3,318
Noncurrent loans to loans2.1939%3,120
Net loans and leases to total assets65.0160%3,102
Net loans and leases to deposits81.3685%2,470
Net loans and leases to core deposits83.0865%3,175
Total domestic deposits to total assets79.9032%5,764
Equity capital to assets10.8084%3,343
Core capital (leverage) ratio10.0848%3,327
Tier 1 risk-based capital ratio12.8516%5,204
Total risk-based capital ratio16.0201%3,770
Memoranda:
Average total assets$13,023,537,75086
Average earning assets$11,282,536,75088
Average equity$1,355,253,00096
Average total loans$9,147,015,25081
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9791%108
Cost of funding earning assets0.8208%5,238
Net interest margin6.1583%83
Noninterest income to average assets2.5975%253
Noninterest expense to average assets4.8271%424
Loan and lease loss provision to assets0.3798%2,512
Net operating income to assets1.7112%583
Return on assets (ROA)1.7492%589
Pretax return on assets2.7493%179
Return on Equity (ROE)17.0313%552
Retained earnings to average equity (ytd only)13.2802%370
Net charge-offs to loans3.0310%339
Credit loss provision to net charge-offs17.5972%5,165
Earnings coverage of net charge-offs (x)1.4222%4,219
Efficiency ratio59.9335%5,885
Assets per employee ($millions)3.3893%5,227
Cash dividends to net income (ytd only)*22.0249%2,782
Condition Ratios (%)
Loss allowance to loans4.0212%411
Loan loss allowance to noncurrent loans154.9608%1,923
Noncurrent assets plus other real estate owned to assets2.1989%2,984
Noncurrent loans to loans2.5950%2,781
Net loans and leases to total assets68.1143%2,591
Net loans and leases to deposits86.4421%1,727
Net loans and leases to core deposits88.5188%2,562
Total domestic deposits to total assets78.7976%6,134
Equity capital to assets10.9031%3,059
Core capital (leverage) ratio9.7906%3,533
Tier 1 risk-based capital ratio12.2621%5,559
Total risk-based capital ratio15.4101%4,024
Memoranda:
Average total assets$12,978,593,00087
Average earning assets$11,168,198,67089
Average equity$1,332,934,670100
Average total loans$9,242,068,67082
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0457%104
Cost of funding earning assets0.8681%5,153
Net interest margin6.1776%85
Noninterest income to average assets2.9983%222
Noninterest expense to average assets4.8933%399
Loan and lease loss provision to assets0.7006%1,206
Net operating income to assets1.7023%576
Return on assets (ROA)1.7042%607
Pretax return on assets2.6769%203
Return on Equity (ROE)17.1014%556
Retained earnings to average equity (ytd only)17.1014%274
Net charge-offs to loans3.1742%335
Credit loss provision to net charge-offs30.9460%4,103
Earnings coverage of net charge-offs (x)1.4904%3,591
Efficiency ratio58.0298%6,268
Assets per employee ($millions)3.4520%5,114
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans4.6447%253
Loan loss allowance to noncurrent loans180.8461%1,628
Noncurrent assets plus other real estate owned to assets2.1538%3,121
Noncurrent loans to loans2.5683%2,924
Net loans and leases to total assets66.4102%2,898
Net loans and leases to deposits87.9668%1,469
Net loans and leases to core deposits90.2394%2,320
Total domestic deposits to total assets75.4946%6,737
Equity capital to assets10.1757%3,566
Core capital (leverage) ratio9.3186%4,100
Tier 1 risk-based capital ratio11.5247%6,086
Total risk-based capital ratio14.6159%4,510
Memoranda:
Average total assets$13,138,401,50086
Average earning assets$11,207,017,00089
Average equity$1,309,293,500104
Average total loans$9,371,186,50080
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2437%107
Cost of funding earning assets1.1374%4,923
Net interest margin6.1063%89
Noninterest income to average assets4.5587%149
Noninterest expense to average assets4.9594%423
Loan and lease loss provision to assets2.9171%339
Net operating income to assets1.2477%1,299
Return on assets (ROA)1.4085%1,008
Pretax return on assets2.2038%320
Return on Equity (ROE)15.1150%700
Retained earnings to average equity (ytd only)15.1150%121
Net charge-offs to loans5.4350%140
Credit loss provision to net charge-offs77.8042%5,639
Earnings coverage of net charge-offs (x)1.2988%4,802
Efficiency ratio49.3821%7,176
Assets per employee ($millions)3.8108%4,228
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans4.9731%196
Loan loss allowance to noncurrent loans176.9369%1,686
Noncurrent assets plus other real estate owned to assets2.4927%2,777
Noncurrent loans to loans2.8107%2,715
Net loans and leases to total assets69.3801%2,691
Net loans and leases to deposits91.6712%1,299
Net loans and leases to core deposits94.5000%2,202
Total domestic deposits to total assets75.6836%6,670
Equity capital to assets9.7548%4,045
Core capital (leverage) ratio8.8746%4,740
Tier 1 risk-based capital ratio10.5221%6,684
Total risk-based capital ratio13.5404%5,182
Memoranda:
Average total assets$13,628,139,40081
Average earning assets$11,762,289,00084
Average equity$1,269,920,000100
Average total loans$9,401,247,80078
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4275%88
Cost of funding earning assets1.1905%4,915
Net interest margin6.2370%82
Noninterest income to average assets5.1003%133
Noninterest expense to average assets4.9723%392
Loan and lease loss provision to assets3.4006%223
Net operating income to assets1.3487%1,226
Return on assets (ROA)1.5612%880
Pretax return on assets2.4338%258
Return on Equity (ROE)16.9434%593
Retained earnings to average equity (ytd only)16.9434%138
Net charge-offs to loans5.8697%110
Credit loss provision to net charge-offs85.1703%4,956
Earnings coverage of net charge-offs (x)1.3781%4,702
Efficiency ratio46.4446%7,365
Assets per employee ($millions)3.7674%4,347
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans5.5190%129
Loan loss allowance to noncurrent loans143.1580%1,977
Noncurrent assets plus other real estate owned to assets3.2822%2,176
Noncurrent loans to loans3.8552%1,978
Net loans and leases to total assets68.9956%2,987
Net loans and leases to deposits92.7501%1,359
Net loans and leases to core deposits96.6148%2,189
Total domestic deposits to total assets74.3887%6,875
Equity capital to assets9.5448%4,771
Core capital (leverage) ratio8.4673%5,564
Tier 1 risk-based capital ratio10.1626%6,976
Total risk-based capital ratio13.2687%5,418
Memoranda:
Average total assets$13,753,097,75079
Average earning assets$11,850,945,75082
Average equity$1,267,240,000101
Average total loans$9,355,282,25078
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.6136%55
Cost of funding earning assets1.5015%3,251
Net interest margin7.1121%55
Noninterest income to average assets8.5073%76
Noninterest expense to average assets5.6376%256
Loan and lease loss provision to assets4.2289%170
Net operating income to assets2.9992%82
Return on assets (ROA)3.3388%65
Pretax return on assets5.2554%46
Return on Equity (ROE)42.6462%21
Retained earnings to average equity (ytd only)42.6462%12
Net charge-offs to loans7.0934%83
Credit loss provision to net charge-offs90.6115%4,407
Earnings coverage of net charge-offs (x)1.9184%4,080
Efficiency ratio37.7897%7,679
Assets per employee ($millions)3.9543%3,858
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans6.1230%99
Loan loss allowance to noncurrent loans179.9063%1,578
Noncurrent assets plus other real estate owned to assets2.7980%2,582
Noncurrent loans to loans3.4034%2,339
Net loans and leases to total assets72.2023%2,342
Net loans and leases to deposits106.7096%361
Net loans and leases to core deposits110.7071%1,121
Total domestic deposits to total assets67.6624%7,439
Equity capital to assets7.8797%6,864
Core capital (leverage) ratio7.4489%6,873
Tier 1 risk-based capital ratio9.7852%7,144
Total risk-based capital ratio16.3376%3,076
Memoranda:
Average total assets$10,224,300,330104
Average earning assets$8,745,930,330107
Average equity$800,470,000135
Average total loans$6,727,027,00099
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.8215%54
Cost of funding earning assets1.5645%3,175
Net interest margin7.2570%56
Noninterest income to average assets14.2605%50
Noninterest expense to average assets5.9367%225
Loan and lease loss provision to assets4.0088%214
Net operating income to assets6.6261%25
Return on assets (ROA)7.1769%25
Pretax return on assets11.3433%23
Return on Equity (ROE)91.9591%13
Retained earnings to average equity (ytd only)91.9591%11
Net charge-offs to loans8.6300%76
Credit loss provision to net charge-offs76.9336%3,953
Earnings coverage of net charge-offs (x)2.7810%3,158
Efficiency ratio28.4371%7,858
Assets per employee ($millions)4.4161%3,098
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans5.8449%106
Loan loss allowance to noncurrent loans188.7103%1,500
Noncurrent assets plus other real estate owned to assets2.3143%3,130
Noncurrent loans to loans3.0973%2,586
Net loans and leases to total assets65.4594%4,000
Net loans and leases to deposits105.7639%435
Net loans and leases to core deposits110.2722%1,253
Total domestic deposits to total assets61.8920%7,720
Equity capital to assets7.0650%7,339
Core capital (leverage) ratio6.9393%7,288
Tier 1 risk-based capital ratio9.5065%7,303
Total risk-based capital ratio15.8171%3,306
Memoranda:
Average total assets$10,312,496,000103
Average earning assets$8,763,973,000108
Average equity$804,831,500133
Average total loans$6,226,538,500107
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7508%7,050
Cost of funding earning assets1.5740%5,159
Net interest margin3.1768%6,168
Noninterest income to average assets6.5600%111
Noninterest expense to average assets6.4149%258
Loan and lease loss provision to assets1.6782%1,365
Net operating income to assets0.7867%2,582
Return on assets (ROA)0.9394%2,111
Pretax return on assets1.3684%1,507
Return on Equity (ROE)14.1176%761
Retained earnings to average equity (ytd only)7.6096%803
Net charge-offs to loans2.0395%1,204
Credit loss provision to net charge-offs148.5643%3,141
Earnings coverage of net charge-offs (x)2.5009%3,874
Efficiency ratio68.1229%4,984
Assets per employee ($millions)2.5781%7,074
Cash dividends to net income (ytd only)*46.0984%2,656
Condition Ratios (%)
Loss allowance to loans3.6242%482
Loan loss allowance to noncurrent loans124.3531%2,273
Noncurrent assets plus other real estate owned to assets1.8427%3,609
Noncurrent loans to loans2.9145%2,646
Net loans and leases to total assets48.8125%6,746
Net loans and leases to deposits58.3586%6,760
Net loans and leases to core deposits62.5217%7,171
Total domestic deposits to total assets83.6422%4,207
Equity capital to assets8.1997%6,347
Core capital (leverage) ratio8.6634%4,991
Tier 1 risk-based capital ratio10.4241%6,472
Total risk-based capital ratio13.8608%4,377
Memoranda:
Average total assets$9,236,709,600112
Average earning assets$7,792,332,000115
Average equity$614,628,000157
Average total loans$5,116,132,600124
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6560%7,345
Cost of funding earning assets1.6782%5,016
Net interest margin2.9778%6,667
Noninterest income to average assets5.9886%124
Noninterest expense to average assets6.5658%239
Loan and lease loss provision to assets2.1198%824
Net operating income to assets-0.1249%5,930
Return on assets (ROA)0.0824%5,567
Pretax return on assets0.1159%5,493
Return on Equity (ROE)1.3105%5,404
Retained earnings to average equity (ytd only)-7.7634%6,572
Net charge-offs to loans1.7508%1,155
Credit loss provision to net charge-offs214.2734%2,050
Earnings coverage of net charge-offs (x)1.9645%4,342
Efficiency ratio75.7213%3,561
Assets per employee ($millions)2.4156%7,358
Cash dividends to net income (ytd only)*692.4013%47
Condition Ratios (%)
Loss allowance to loans3.9451%310
Loan loss allowance to noncurrent loans149.6252%1,901
Noncurrent assets plus other real estate owned to assets1.8965%3,513
Noncurrent loans to loans2.6367%2,867
Net loans and leases to total assets53.6886%6,422
Net loans and leases to deposits65.1781%6,387
Net loans and leases to core deposits70.5932%6,932
Total domestic deposits to total assets82.3722%4,510
Equity capital to assets6.5133%7,760
Core capital (leverage) ratio7.3983%7,081
Tier 1 risk-based capital ratio8.8810%7,660
Total risk-based capital ratio12.3945%5,762
Memoranda:
Average total assets$9,344,174,250119
Average earning assets$7,909,890,750120
Average equity$587,750,250168
Average total loans$5,280,040,500126
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6961%7,396
Cost of funding earning assets1.7940%4,792
Net interest margin2.9021%6,803
Noninterest income to average assets4.8122%137
Noninterest expense to average assets6.3604%285
Loan and lease loss provision to assets1.2354%1,391
Net operating income to assets-0.2421%6,252
Return on assets (ROA)0.0568%5,777
Pretax return on assets0.0777%5,721
Return on Equity (ROE)0.9132%5,657
Retained earnings to average equity (ytd only)-12.5010%7,088
Net charge-offs to loans1.6614%1,139
Credit loss provision to net charge-offs131.1670%3,557
Earnings coverage of net charge-offs (x)0.9591%4,811
Efficiency ratio85.8668%2,242
Assets per employee ($millions)2.5186%7,212
Cash dividends to net income (ytd only)*1,468.9680%25
Condition Ratios (%)
Loss allowance to loans2.4949%907
Loan loss allowance to noncurrent loans182.1694%1,641
Noncurrent assets plus other real estate owned to assets1.1510%4,639
Noncurrent loans to loans1.3695%4,473
Net loans and leases to total assets53.1637%6,554
Net loans and leases to deposits64.4941%6,521
Net loans and leases to core deposits70.7956%6,980
Total domestic deposits to total assets82.4319%4,509
Equity capital to assets6.2775%7,873
Core capital (leverage) ratio6.9233%7,588
Tier 1 risk-based capital ratio8.8238%7,782
Total risk-based capital ratio12.3015%5,743
Memoranda:
Average total assets$9,583,512,000120
Average earning assets$8,095,516,330122
Average equity$596,385,330169
Average total loans$5,432,894,670130
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8613%7,261
Cost of funding earning assets1.9510%4,379
Net interest margin2.9103%6,721
Noninterest income to average assets4.6400%139
Noninterest expense to average assets6.6271%225
Loan and lease loss provision to assets1.8308%673
Net operating income to assets-0.8726%7,169
Return on assets (ROA)-0.3628%6,824
Pretax return on assets-0.5811%6,886
Return on Equity (ROE)-5.8538%7,049
Retained earnings to average equity (ytd only)-32.2549%7,879
Net charge-offs to loans1.8061%802
Credit loss provision to net charge-offs175.6593%2,454
Earnings coverage of net charge-offs (x)0.4343%4,641
Efficiency ratio91.9060%1,574
Assets per employee ($millions)2.5778%7,135
Cash dividends to net income (ytd only)*-451.0091%8,223
Condition Ratios (%)
Loss allowance to loans2.3802%871
Loan loss allowance to noncurrent loans177.1697%1,852
Noncurrent assets plus other real estate owned to assets1.0382%4,616
Noncurrent loans to loans1.3435%4,302
Net loans and leases to total assets55.3258%6,326
Net loans and leases to deposits67.6557%6,216
Net loans and leases to core deposits74.8396%6,755
Total domestic deposits to total assets81.7754%4,642
Equity capital to assets5.9809%8,000
Core capital (leverage) ratio6.7486%7,783
Tier 1 risk-based capital ratio8.2549%7,983
Total risk-based capital ratio11.6206%6,438
Memoranda:
Average total assets$9,778,790,000117
Average earning assets$8,197,765,000124
Average equity$606,035,500163
Average total loans$5,643,157,500129
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9580%5,763
Cost of funding earning assets2.7176%3,075
Net interest margin3.2405%6,238
Noninterest income to average assets6.3277%104
Noninterest expense to average assets6.7354%306
Loan and lease loss provision to assets1.0064%1,462
Net operating income to assets0.8602%3,175
Return on assets (ROA)0.8884%2,888
Pretax return on assets1.3773%2,037
Return on Equity (ROE)12.6501%1,415
Retained earnings to average equity (ytd only)2.3255%3,754
Net charge-offs to loans0.8781%1,416
Credit loss provision to net charge-offs192.4854%2,549
Earnings coverage of net charge-offs (x)4.4759%3,966
Efficiency ratio71.7836%3,978
Assets per employee ($millions)2.5617%7,083
Cash dividends to net income (ytd only)*81.6165%1,633
Condition Ratios (%)
Loss allowance to loans1.9091%1,394
Loan loss allowance to noncurrent loans127.0415%2,851
Noncurrent assets plus other real estate owned to assets1.0730%4,148
Noncurrent loans to loans1.5027%3,540
Net loans and leases to total assets57.5951%6,259
Net loans and leases to deposits71.2947%6,134
Net loans and leases to core deposits79.7144%6,637
Total domestic deposits to total assets80.7845%4,737
Equity capital to assets6.4086%7,967
Core capital (leverage) ratio7.3480%7,363
Tier 1 risk-based capital ratio8.1979%8,047
Total risk-based capital ratio11.3975%6,441
Memoranda:
Average total assets$9,653,745,200115
Average earning assets$8,186,529,600116
Average equity$677,992,400153
Average total loans$5,748,389,000125