Home > First New Mexico Bank of Silver City > Performance and Condition Ratios

First New Mexico Bank of Silver City, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1639%3,555
Cost of funding earning assets0.0959%4,409
Net interest margin3.0680%2,999
Noninterest income to average assets1.4654%521
Noninterest expense to average assets2.6754%1,699
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.3881%1,316
Return on assets (ROA)1.3881%1,371
Pretax return on assets1.7092%1,124
Return on Equity (ROE)12.7348%1,557
Retained earnings to average equity (ytd only)3.3678%3,471
Net charge-offs to loans-0.0020%3,361
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0186%2,994
Assets per employee ($millions)5.0936%3,652
Cash dividends to net income (ytd only)*73.5542%643
Condition Ratios (%)
Loss allowance to loans2.2877%390
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets33.1072%4,403
Net loans and leases to deposits38.2315%4,388
Net loans and leases to core deposits38.2315%4,452
Total domestic deposits to total assets86.5967%2,670
Equity capital to assets11.0677%1,753
Core capital (leverage) ratio11.0304%1,552
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$137,024,4003,609
Average earning assets$130,376,8003,566
Average equity$14,935,4003,643
Average total loans$49,847,0003,999
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2186%3,573
Cost of funding earning assets0.0983%4,519
Net interest margin3.1204%2,999
Noninterest income to average assets1.3693%631
Noninterest expense to average assets2.6462%1,716
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.3148%1,774
Return on assets (ROA)1.3148%1,833
Pretax return on assets1.6917%1,429
Return on Equity (ROE)12.1095%2,007
Retained earnings to average equity (ytd only)2.7000%4,000
Net charge-offs to loans-0.0026%3,269
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0013%2,833
Assets per employee ($millions)5.2889%3,417
Cash dividends to net income (ytd only)*77.7037%428
Condition Ratios (%)
Loss allowance to loans2.1587%489
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets35.1351%4,426
Net loans and leases to deposits40.6709%4,427
Net loans and leases to core deposits40.6709%4,490
Total domestic deposits to total assets86.3888%2,603
Equity capital to assets10.9278%2,066
Core capital (leverage) ratio11.0765%1,633
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$136,899,0003,650
Average earning assets$130,238,5003,612
Average equity$14,864,0003,697
Average total loans$50,659,5004,038
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2541%3,550
Cost of funding earning assets0.1047%4,547
Net interest margin3.1494%2,893
Noninterest income to average assets1.3739%626
Noninterest expense to average assets2.6951%1,597
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.2729%1,943
Return on assets (ROA)1.2729%2,018
Pretax return on assets1.6723%1,554
Return on Equity (ROE)11.7491%2,150
Retained earnings to average equity (ytd only)2.2958%4,050
Net charge-offs to loans-0.0078%3,582
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7085%2,772
Assets per employee ($millions)5.2593%3,398
Cash dividends to net income (ytd only)*80.4598%480
Condition Ratios (%)
Loss allowance to loans2.0276%575
Loan loss allowance to noncurrent loans3,948.1481%250
Noncurrent assets plus other real estate owned to assets0.0197%4,150
Noncurrent loans to loans0.0514%3,923
Net loans and leases to total assets37.6683%4,397
Net loans and leases to deposits43.6871%4,395
Net loans and leases to core deposits43.6871%4,464
Total domestic deposits to total assets86.2229%2,657
Equity capital to assets10.8936%2,073
Core capital (leverage) ratio10.8176%1,718
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$136,694,6673,669
Average earning assets$129,930,0003,628
Average equity$14,809,6673,702
Average total loans$51,085,6674,057
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1443%3,792
Cost of funding earning assets0.0983%4,657
Net interest margin3.0460%3,143
Noninterest income to average assets1.3317%732
Noninterest expense to average assets2.6458%1,753
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.2614%1,940
Return on assets (ROA)1.2614%2,018
Pretax return on assets1.5892%1,760
Return on Equity (ROE)11.6751%2,137
Retained earnings to average equity (ytd only)2.1942%3,967
Net charge-offs to loans-0.0079%3,576
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.4741%2,676
Assets per employee ($millions)5.2186%3,412
Cash dividends to net income (ytd only)*81.2065%573
Condition Ratios (%)
Loss allowance to loans2.0555%537
Loan loss allowance to noncurrent loans3,672.4138%236
Noncurrent assets plus other real estate owned to assets0.0206%4,227
Noncurrent loans to loans0.0560%4,007
Net loans and leases to total assets36.0168%4,499
Net loans and leases to deposits41.3783%4,522
Net loans and leases to core deposits41.3783%4,580
Total domestic deposits to total assets87.0427%2,298
Equity capital to assets10.5088%2,265
Core capital (leverage) ratio10.7436%1,903
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$136,671,5003,674
Average earning assets$130,269,5003,631
Average equity$14,766,5003,710
Average total loans$50,341,5004,097
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9785%2,794
Cost of funding earning assets0.1539%4,718
Net interest margin3.8246%1,438
Noninterest income to average assets1.2658%707
Noninterest expense to average assets3.0324%1,371
Loan and lease loss provision to assets0.0971%3,129
Net operating income to assets1.5222%763
Return on assets (ROA)1.5222%828
Pretax return on assets1.7544%758
Return on Equity (ROE)12.8872%1,071
Retained earnings to average equity (ytd only)2.7254%3,498
Net charge-offs to loans-0.0020%3,984
Credit loss provision to net charge-offs-12,000.0000%4,417
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.0901%3,114
Assets per employee ($millions)4.7301%3,690
Cash dividends to net income (ytd only)*78.8523%672
Condition Ratios (%)
Loss allowance to loans2.1772%430
Loan loss allowance to noncurrent loans958.5586%683
Noncurrent assets plus other real estate owned to assets0.0838%3,910
Noncurrent loans to loans0.2271%3,391
Net loans and leases to total assets36.0958%4,588
Net loans and leases to deposits41.7334%4,604
Net loans and leases to core deposits41.7334%4,657
Total domestic deposits to total assets86.4914%2,153
Equity capital to assets11.1188%2,162
Core capital (leverage) ratio11.3129%1,584
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$123,633,0003,703
Average earning assets$116,953,2003,664
Average equity$14,603,6003,685
Average total loans$50,136,4004,107
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2069%2,380
Cost of funding earning assets0.1754%4,740
Net interest margin4.0314%1,048
Noninterest income to average assets1.0848%882
Noninterest expense to average assets3.0546%1,329
Loan and lease loss provision to assets0.0988%3,092
Net operating income to assets1.5174%874
Return on assets (ROA)1.5174%949
Pretax return on assets1.7414%887
Return on Equity (ROE)12.6441%1,204
Retained earnings to average equity (ytd only)4.8216%2,640
Net charge-offs to loans-0.0026%3,926
Credit loss provision to net charge-offs-9,000.0000%4,331
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.4047%3,009
Assets per employee ($millions)4.5299%3,809
Cash dividends to net income (ytd only)*61.8669%1,060
Condition Ratios (%)
Loss allowance to loans1.9938%498
Loan loss allowance to noncurrent loans966.3551%603
Noncurrent assets plus other real estate owned to assets0.0844%4,011
Noncurrent loans to loans0.2063%3,557
Net loans and leases to total assets40.0732%4,565
Net loans and leases to deposits46.8750%4,579
Net loans and leases to core deposits46.8750%4,649
Total domestic deposits to total assets85.4894%2,250
Equity capital to assets11.7118%1,868
Core capital (leverage) ratio11.7149%1,470
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$121,430,7503,720
Average earning assets$114,761,5003,682
Average equity$14,573,0003,692
Average total loans$50,453,0004,126
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2021%2,755
Cost of funding earning assets0.2140%4,723
Net interest margin3.9882%1,356
Noninterest income to average assets1.2054%688
Noninterest expense to average assets3.2501%1,076
Loan and lease loss provision to assets0.0502%3,676
Net operating income to assets1.4762%964
Return on assets (ROA)1.4762%1,051
Pretax return on assets1.6752%1,042
Return on Equity (ROE)12.1970%1,285
Retained earnings to average equity (ytd only)4.3235%2,772
Net charge-offs to loans-0.0040%3,948
Credit loss provision to net charge-offs-3,000.0000%3,984
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.3226%2,616
Assets per employee ($millions)4.7111%3,518
Cash dividends to net income (ytd only)*64.5527%1,100
Condition Ratios (%)
Loss allowance to loans1.9146%517
Loan loss allowance to noncurrent loans1,570.9677%386
Noncurrent assets plus other real estate owned to assets0.0487%4,287
Noncurrent loans to loans0.1219%3,965
Net loans and leases to total assets39.2280%4,637
Net loans and leases to deposits45.6465%4,660
Net loans and leases to core deposits45.6465%4,717
Total domestic deposits to total assets85.9387%2,035
Equity capital to assets11.5094%1,966
Core capital (leverage) ratio11.7224%1,539
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$119,628,3333,726
Average earning assets$113,085,0003,688
Average equity$14,479,0003,709
Average total loans$49,983,3334,143
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4809%2,365
Cost of funding earning assets0.3323%4,569
Net interest margin4.1486%1,027
Noninterest income to average assets1.2534%558
Noninterest expense to average assets3.4944%947
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.4779%824
Return on assets (ROA)1.4779%899
Pretax return on assets1.6816%885
Return on Equity (ROE)11.8901%1,129
Retained earnings to average equity (ytd only)3.9449%2,703
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5117%2,742
Assets per employee ($millions)4.3666%3,452
Cash dividends to net income (ytd only)*66.8224%1,256
Condition Ratios (%)
Loss allowance to loans1.9048%598
Loan loss allowance to noncurrent loans3,143.3333%203
Noncurrent assets plus other real estate owned to assets0.0254%4,494
Noncurrent loans to loans0.0606%4,303
Net loans and leases to total assets41.1915%4,622
Net loans and leases to deposits48.2614%4,649
Net loans and leases to core deposits48.2614%4,719
Total domestic deposits to total assets85.3509%2,266
Equity capital to assets12.2733%1,867
Core capital (leverage) ratio12.3596%1,532
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.0645%861
Memoranda:
Average total assets$115,842,5003,765
Average earning assets$109,530,5003,717
Average equity$14,398,5003,726
Average total loans$49,539,0004,159
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5279%2,849
Cost of funding earning assets0.3723%4,534
Net interest margin4.1556%1,411
Noninterest income to average assets1.1388%722
Noninterest expense to average assets2.7628%2,712
Loan and lease loss provision to assets0.0974%2,099
Net operating income to assets1.6116%814
Return on assets (ROA)1.6116%873
Pretax return on assets2.2023%384
Return on Equity (ROE)13.1573%1,127
Retained earnings to average equity (ytd only)6.9835%1,397
Net charge-offs to loans0.1937%1,045
Credit loss provision to net charge-offs115.7895%2,179
Earnings coverage of net charge-offs (x)27.3368%1,669
Efficiency ratio54.5741%4,366
Assets per employee ($millions)4.2143%3,617
Cash dividends to net income (ytd only)*46.9231%2,241
Condition Ratios (%)
Loss allowance to loans1.9023%548
Loan loss allowance to noncurrent loans2,357.5000%282
Noncurrent assets plus other real estate owned to assets0.0352%4,470
Noncurrent loans to loans0.0807%4,199
Net loans and leases to total assets42.7360%4,651
Net loans and leases to deposits50.4487%4,671
Net loans and leases to core deposits50.4487%4,748
Total domestic deposits to total assets84.7118%2,603
Equity capital to assets12.5911%1,773
Core capital (leverage) ratio12.5791%1,444
Tier 1 risk-based capital ratio24.0188%827
Total risk-based capital ratio25.2728%805
Memoranda:
Average total assets$112,928,2003,791
Average earning assets$106,628,0003,768
Average equity$13,832,6003,775
Average total loans$49,055,2004,202
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5410%2,920
Cost of funding earning assets0.3643%4,617
Net interest margin4.1767%1,426
Noninterest income to average assets1.1072%744
Noninterest expense to average assets2.7408%2,746
Loan and lease loss provision to assets0.1301%1,486
Net operating income to assets1.5721%989
Return on assets (ROA)1.5721%1,046
Pretax return on assets2.1825%467
Return on Equity (ROE)12.9255%1,307
Retained earnings to average equity (ytd only)7.0901%1,823
Net charge-offs to loans0.0109%2,976
Credit loss provision to net charge-offs2,750.0000%146
Earnings coverage of net charge-offs (x)489.0432%204
Efficiency ratio54.2369%4,368
Assets per employee ($millions)4.1989%3,614
Cash dividends to net income (ytd only)*45.1466%1,917
Condition Ratios (%)
Loss allowance to loans2.0261%439
Loan loss allowance to noncurrent loans743.8849%723
Noncurrent assets plus other real estate owned to assets0.1226%4,117
Noncurrent loans to loans0.2724%3,566
Net loans and leases to total assets44.1030%4,687
Net loans and leases to deposits51.8731%4,713
Net loans and leases to core deposits51.8731%4,799
Total domestic deposits to total assets85.0209%2,415
Equity capital to assets12.4282%1,967
Core capital (leverage) ratio12.4999%1,568
Tier 1 risk-based capital ratio23.6314%880
Total risk-based capital ratio24.8876%865
Memoranda:
Average total assets$112,713,5003,835
Average earning assets$106,493,5003,813
Average equity$13,709,0003,831
Average total loans$48,926,2504,257
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4694%3,109
Cost of funding earning assets0.3463%4,694
Net interest margin4.1231%1,541
Noninterest income to average assets0.9974%875
Noninterest expense to average assets2.7646%2,705
Loan and lease loss provision to assets0.0800%2,232
Net operating income to assets1.5094%1,124
Return on assets (ROA)1.5094%1,175
Pretax return on assets2.0481%621
Return on Equity (ROE)12.5018%1,411
Retained earnings to average equity (ytd only)6.6117%1,998
Net charge-offs to loans0.0207%2,443
Credit loss provision to net charge-offs900.0000%375
Earnings coverage of net charge-offs (x)239.4000%338
Efficiency ratio56.5044%4,190
Assets per employee ($millions)4.1737%3,614
Cash dividends to net income (ytd only)*47.1143%1,925
Condition Ratios (%)
Loss allowance to loans1.9190%544
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1775%3,874
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets43.9027%4,735
Net loans and leases to deposits51.6333%4,753
Net loans and leases to core deposits51.6333%4,826
Total domestic deposits to total assets85.0280%2,460
Equity capital to assets12.2557%2,017
Core capital (leverage) ratio12.2092%1,697
Tier 1 risk-based capital ratio25.1782%742
Total risk-based capital ratio26.4343%725
Memoranda:
Average total assets$112,494,3303,864
Average earning assets$106,278,6703,835
Average equity$13,582,0003,848
Average total loans$48,223,6704,297
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3306%3,464
Cost of funding earning assets0.2937%4,870
Net interest margin4.0368%1,724
Noninterest income to average assets1.0890%678
Noninterest expense to average assets2.9004%2,279
Loan and lease loss provision to assets0.0890%1,932
Net operating income to assets1.4734%1,170
Return on assets (ROA)1.4734%1,195
Pretax return on assets1.9147%767
Return on Equity (ROE)12.2963%1,439
Retained earnings to average equity (ytd only)6.3263%2,307
Net charge-offs to loans-0.0255%4,585
Credit loss provision to net charge-offs-833.3333%3,897
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1437%3,932
Assets per employee ($millions)4.3712%3,376
Cash dividends to net income (ytd only)*48.5507%1,667
Condition Ratios (%)
Loss allowance to loans2.0412%461
Loan loss allowance to noncurrent loans11,950.0000%68
Noncurrent assets plus other real estate owned to assets0.1830%3,901
Noncurrent loans to loans0.0171%4,706
Net loans and leases to total assets40.3696%4,879
Net loans and leases to deposits47.0980%4,893
Net loans and leases to core deposits47.0980%4,956
Total domestic deposits to total assets85.7140%2,401
Equity capital to assets11.9437%2,056
Core capital (leverage) ratio12.0910%1,718
Tier 1 risk-based capital ratio26.0843%681
Total risk-based capital ratio27.3410%668
Memoranda:
Average total assets$112,396,5003,900
Average earning assets$106,221,5003,879
Average equity$13,467,5003,879
Average total loans$47,114,5004,364
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3464%2,939
Cost of funding earning assets0.2750%4,679
Net interest margin4.0714%1,765
Noninterest income to average assets1.0890%784
Noninterest expense to average assets2.7837%2,740
Loan and lease loss provision to assets0.1824%1,067
Net operating income to assets1.3380%1,661
Return on assets (ROA)1.3380%1,648
Pretax return on assets1.9582%614
Return on Equity (ROE)11.2721%1,981
Retained earnings to average equity (ytd only)5.1251%2,703
Net charge-offs to loans0.0635%2,210
Credit loss provision to net charge-offs666.6667%520
Earnings coverage of net charge-offs (x)78.2333%867
Efficiency ratio56.5290%4,342
Assets per employee ($millions)4.2747%3,501
Cash dividends to net income (ytd only)*54.5331%1,751
Condition Ratios (%)
Loss allowance to loans1.9581%510
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2231%3,711
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets41.8065%4,885
Net loans and leases to deposits48.7264%4,917
Net loans and leases to core deposits48.7264%4,973
Total domestic deposits to total assets85.7985%2,326
Equity capital to assets12.0214%1,881
Core capital (leverage) ratio11.8388%1,840
Tier 1 risk-based capital ratio24.3823%790
Total risk-based capital ratio25.6378%770
Memoranda:
Average total assets$109,640,2003,949
Average earning assets$103,280,2003,927
Average equity$13,014,4003,878
Average total loans$47,246,6004,368
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3047%2,949
Cost of funding earning assets0.2656%4,701
Net interest margin4.0391%1,827
Noninterest income to average assets1.0970%782
Noninterest expense to average assets2.8017%2,625
Loan and lease loss provision to assets0.1769%1,035
Net operating income to assets1.3191%1,778
Return on assets (ROA)1.3191%1,788
Pretax return on assets1.9219%782
Return on Equity (ROE)11.1489%2,116
Retained earnings to average equity (ytd only)4.9608%3,259
Net charge-offs to loans-0.0085%4,352
Credit loss provision to net charge-offs-4,833.3333%4,848
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1713%4,229
Assets per employee ($millions)4.1384%3,673
Cash dividends to net income (ytd only)*55.5041%1,393
Condition Ratios (%)
Loss allowance to loans1.8151%701
Loan loss allowance to noncurrent loans816.2162%708
Noncurrent assets plus other real estate owned to assets0.3526%3,262
Noncurrent loans to loans0.2224%3,915
Net loans and leases to total assets43.8605%4,886
Net loans and leases to deposits51.1603%4,911
Net loans and leases to core deposits51.2947%4,985
Total domestic deposits to total assets85.7315%2,310
Equity capital to assets11.7912%2,037
Core capital (leverage) ratio11.8016%1,912
Tier 1 risk-based capital ratio19.5510%1,426
Total risk-based capital ratio20.8019%1,392
Memoranda:
Average total assets$109,264,5003,993
Average earning assets$102,891,7503,973
Average equity$12,927,7503,922
Average total loans$47,210,0004,414
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2722%2,863
Cost of funding earning assets0.2491%4,750
Net interest margin4.0231%1,782
Noninterest income to average assets1.0199%923
Noninterest expense to average assets2.7425%2,870
Loan and lease loss provision to assets0.1383%1,413
Net operating income to assets1.2984%1,780
Return on assets (ROA)1.2984%1,771
Pretax return on assets1.9218%731
Return on Equity (ROE)10.9612%2,130
Retained earnings to average equity (ytd only)4.7332%3,218
Net charge-offs to loans-0.0043%4,066
Credit loss provision to net charge-offs-7,500.0000%4,786
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1045%4,346
Assets per employee ($millions)4.0310%3,843
Cash dividends to net income (ytd only)*56.8182%1,438
Condition Ratios (%)
Loss allowance to loans1.7233%864
Loan loss allowance to noncurrent loans992.8571%601
Noncurrent assets plus other real estate owned to assets0.3050%3,543
Noncurrent loans to loans0.1736%4,125
Net loans and leases to total assets43.6998%4,920
Net loans and leases to deposits50.9022%4,949
Net loans and leases to core deposits51.0393%5,017
Total domestic deposits to total assets85.8505%2,342
Equity capital to assets11.9425%1,890
Core capital (leverage) ratio11.8610%1,796
Tier 1 risk-based capital ratio22.4448%989
Total risk-based capital ratio23.6967%972
Memoranda:
Average total assets$108,440,6704,043
Average earning assets$101,962,3304,016
Average equity$12,845,3303,948
Average total loans$46,308,6704,478
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3967%2,203
Cost of funding earning assets0.2079%4,970
Net interest margin4.1889%1,198
Noninterest income to average assets0.6467%2,045
Noninterest expense to average assets2.7161%2,988
Loan and lease loss provision to assets0.1478%1,233
Net operating income to assets1.2934%1,664
Return on assets (ROA)1.2934%1,668
Pretax return on assets1.7295%1,045
Return on Equity (ROE)10.9641%1,989
Retained earnings to average equity (ytd only)4.6989%3,310
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1311%4,193
Assets per employee ($millions)4.0471%3,899
Cash dividends to net income (ytd only)*57.1429%1,330
Condition Ratios (%)
Loss allowance to loans1.7192%913
Loan loss allowance to noncurrent loans354.6667%1,453
Noncurrent assets plus other real estate owned to assets0.2672%3,799
Noncurrent loans to loans0.4847%3,065
Net loans and leases to total assets41.7468%4,989
Net loans and leases to deposits48.3739%5,027
Net loans and leases to core deposits48.5024%5,087
Total domestic deposits to total assets86.3004%2,402
Equity capital to assets11.7540%1,948
Core capital (leverage) ratio11.8886%1,723
Tier 1 risk-based capital ratio25.1340%745
Total risk-based capital ratio26.3864%730
Memoranda:
Average total assets$108,242,0004,096
Average earning assets$101,985,0004,062
Average equity$12,769,0003,999
Average total loans$45,265,0004,556
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1407%2,913
Cost of funding earning assets0.1984%4,962
Net interest margin3.9423%1,947
Noninterest income to average assets0.8130%1,521
Noninterest expense to average assets2.7634%2,911
Loan and lease loss provision to assets0.1022%2,180
Net operating income to assets1.2563%1,341
Return on assets (ROA)1.2563%1,367
Pretax return on assets1.6410%1,189
Return on Equity (ROE)10.8913%1,529
Retained earnings to average equity (ytd only)4.4467%2,486
Net charge-offs to loans0.2189%1,186
Credit loss provision to net charge-offs120.8791%2,160
Earnings coverage of net charge-offs (x)20.6154%1,958
Efficiency ratio61.3196%4,046
Assets per employee ($millions)4.1235%3,776
Cash dividends to net income (ytd only)*59.1716%1,792
Condition Ratios (%)
Loss allowance to loans1.7183%908
Loan loss allowance to noncurrent loans336.8889%1,524
Noncurrent assets plus other real estate owned to assets0.2724%3,800
Noncurrent loans to loans0.5100%2,985
Net loans and leases to total assets40.4399%5,120
Net loans and leases to deposits47.0754%5,162
Net loans and leases to core deposits47.2036%5,216
Total domestic deposits to total assets85.9044%2,484
Equity capital to assets11.8402%1,953
Core capital (leverage) ratio11.6473%1,833
Tier 1 risk-based capital ratio24.5679%764
Total risk-based capital ratio25.8201%743
Memoranda:
Average total assets$107,620,2004,106
Average earning assets$100,828,6004,084
Average equity$12,413,6004,069
Average total loans$41,563,6004,678
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0786%3,057
Cost of funding earning assets0.1970%5,001
Net interest margin3.8816%2,101
Noninterest income to average assets0.8268%1,486
Noninterest expense to average assets2.8059%2,704
Loan and lease loss provision to assets0.1052%2,010
Net operating income to assets1.2439%1,536
Return on assets (ROA)1.2439%1,558
Pretax return on assets1.5496%1,581
Return on Equity (ROE)10.8557%1,754
Retained earnings to average equity (ytd only)4.3747%3,295
Net charge-offs to loans0.1531%1,326
Credit loss provision to net charge-offs180.8511%1,464
Earnings coverage of net charge-offs (x)28.4446%1,605
Efficiency ratio62.9023%3,732
Assets per employee ($millions)4.1914%3,669
Cash dividends to net income (ytd only)*59.7013%1,358
Condition Ratios (%)
Loss allowance to loans1.8292%805
Loan loss allowance to noncurrent loans281.5217%1,668
Noncurrent assets plus other real estate owned to assets0.3836%3,493
Noncurrent loans to loans0.6497%2,762
Net loans and leases to total assets38.2659%5,255
Net loans and leases to deposits44.2606%5,306
Net loans and leases to core deposits44.3788%5,357
Total domestic deposits to total assets86.4559%2,114
Equity capital to assets11.5134%2,355
Core capital (leverage) ratio11.5721%1,967
Tier 1 risk-based capital ratio25.1322%737
Total risk-based capital ratio26.3861%719
Memoranda:
Average total assets$107,722,5004,146
Average earning assets$100,848,5004,122
Average equity$12,343,5004,117
Average total loans$40,926,0004,747
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0376%3,055
Cost of funding earning assets0.1953%5,029
Net interest margin3.8423%2,121
Noninterest income to average assets0.7772%1,655
Noninterest expense to average assets2.7902%2,800
Loan and lease loss provision to assets0.0652%2,667
Net operating income to assets1.2432%1,463
Return on assets (ROA)1.2432%1,491
Pretax return on assets1.5153%1,584
Return on Equity (ROE)10.8670%1,692
Retained earnings to average equity (ytd only)4.3501%3,115
Net charge-offs to loans0.1237%1,419
Credit loss provision to net charge-offs140.0000%1,597
Earnings coverage of net charge-offs (x)33.9200%1,378
Efficiency ratio63.8380%3,696
Assets per employee ($millions)4.4518%3,191
Cash dividends to net income (ytd only)*59.9700%1,496
Condition Ratios (%)
Loss allowance to loans1.8134%861
Loan loss allowance to noncurrent loans589.7638%895
Noncurrent assets plus other real estate owned to assets0.2508%4,122
Noncurrent loans to loans0.3075%3,939
Net loans and leases to total assets37.9563%5,306
Net loans and leases to deposits44.0431%5,339
Net loans and leases to core deposits44.1630%5,393
Total domestic deposits to total assets86.1799%2,296
Equity capital to assets11.6141%2,220
Core capital (leverage) ratio11.6264%1,882
Tier 1 risk-based capital ratio25.2971%724
Total risk-based capital ratio26.5509%707
Memoranda:
Average total assets$107,304,3304,179
Average earning assets$100,357,3304,158
Average equity$12,275,6704,145
Average total loans$40,408,6704,794
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0302%2,929
Cost of funding earning assets0.1794%5,158
Net interest margin3.8508%1,951
Noninterest income to average assets0.7030%1,954
Noninterest expense to average assets2.7414%2,984
Loan and lease loss provision to assets0.0558%2,689
Net operating income to assets1.2387%1,409
Return on assets (ROA)1.2387%1,445
Pretax return on assets1.4991%1,531
Return on Equity (ROE)10.9100%1,599
Retained earnings to average equity (ytd only)4.3574%3,240
Net charge-offs to loans0.1602%1,015
Credit loss provision to net charge-offs93.7500%1,664
Earnings coverage of net charge-offs (x)26.1250%1,320
Efficiency ratio63.8095%3,866
Assets per employee ($millions)4.5190%3,142
Cash dividends to net income (ytd only)*60.0601%1,431
Condition Ratios (%)
Loss allowance to loans1.8522%867
Loan loss allowance to noncurrent loans508.9655%1,044
Noncurrent assets plus other real estate owned to assets0.2241%4,324
Noncurrent loans to loans0.3639%3,784
Net loans and leases to total assets36.0570%5,397
Net loans and leases to deposits41.5407%5,426
Net loans and leases to core deposits41.7817%5,477
Total domestic deposits to total assets86.7993%2,312
Equity capital to assets11.3189%2,334
Core capital (leverage) ratio11.4803%1,964
Tier 1 risk-based capital ratio25.5043%732
Total risk-based capital ratio26.7571%710
Memoranda:
Average total assets$107,534,5004,215
Average earning assets$100,342,0004,198
Average equity$12,209,0004,184
Average total loans$39,961,5004,852
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9559%3,357
Cost of funding earning assets0.1932%5,088
Net interest margin3.7628%2,458
Noninterest income to average assets0.7067%2,148
Noninterest expense to average assets2.7102%3,316
Loan and lease loss provision to assets0.0373%3,623
Net operating income to assets1.2053%1,492
Return on assets (ROA)1.2053%1,575
Pretax return on assets1.4685%1,688
Return on Equity (ROE)10.8557%1,636
Retained earnings to average equity (ytd only)4.1287%2,967
Net charge-offs to loans0.0250%3,544
Credit loss provision to net charge-offs400.0000%792
Earnings coverage of net charge-offs (x)161.3000%404
Efficiency ratio64.2826%3,888
Assets per employee ($millions)4.4422%3,203
Cash dividends to net income (ytd only)*61.9675%1,671
Condition Ratios (%)
Loss allowance to loans1.8414%886
Loan loss allowance to noncurrent loans238.0645%1,972
Noncurrent assets plus other real estate owned to assets0.3827%3,739
Noncurrent loans to loans0.7735%2,590
Net loans and leases to total assets36.9008%5,455
Net loans and leases to deposits42.6757%5,471
Net loans and leases to core deposits42.8113%5,524
Total domestic deposits to total assets86.4679%2,387
Equity capital to assets11.3889%2,254
Core capital (leverage) ratio11.2435%2,130
Tier 1 risk-based capital ratio25.1127%764
Total risk-based capital ratio26.3661%743
Memoranda:
Average total assets$107,113,6004,221
Average earning assets$99,900,2004,204
Average equity$11,892,4004,264
Average total loans$40,019,8004,882
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9876%3,268
Cost of funding earning assets0.1952%5,121
Net interest margin3.7924%2,357
Noninterest income to average assets0.6863%2,232
Noninterest expense to average assets2.7315%3,250
Loan and lease loss provision to assets0.0373%3,498
Net operating income to assets1.2023%1,645
Return on assets (ROA)1.2023%1,732
Pretax return on assets1.4447%1,900
Return on Equity (ROE)10.8986%1,707
Retained earnings to average equity (ytd only)4.1250%3,373
Net charge-offs to loans0.0067%3,680
Credit loss provision to net charge-offs1,500.0000%305
Earnings coverage of net charge-offs (x)595.2397%152
Efficiency ratio64.8274%3,786
Assets per employee ($millions)4.3030%3,412
Cash dividends to net income (ytd only)*62.1508%1,345
Condition Ratios (%)
Loss allowance to loans1.8735%891
Loan loss allowance to noncurrent loans721.5686%789
Noncurrent assets plus other real estate owned to assets0.1924%4,666
Noncurrent loans to loans0.2596%4,334
Net loans and leases to total assets35.8333%5,558
Net loans and leases to deposits41.2384%5,604
Net loans and leases to core deposits41.8300%5,636
Total domestic deposits to total assets86.8930%1,934
Equity capital to assets11.1707%2,826
Core capital (leverage) ratio11.3164%2,179
Tier 1 risk-based capital ratio25.4511%764
Total risk-based capital ratio26.7049%747
Memoranda:
Average total assets$107,238,7504,257
Average earning assets$99,740,7504,244
Average equity$11,830,0004,315
Average total loans$40,005,0004,922
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0150%3,188
Cost of funding earning assets0.1994%5,151
Net interest margin3.8155%2,251
Noninterest income to average assets0.5900%2,671
Noninterest expense to average assets2.7183%3,324
Loan and lease loss provision to assets0.0373%3,411
Net operating income to assets1.1874%1,653
Return on assets (ROA)1.1874%1,746
Pretax return on assets1.3703%2,130
Return on Equity (ROE)10.8093%1,718
Retained earnings to average equity (ytd only)4.0110%3,352
Net charge-offs to loans0.0050%3,526
Credit loss provision to net charge-offs2,000.0000%203
Earnings coverage of net charge-offs (x)754.0000%75
Efficiency ratio65.8824%3,695
Assets per employee ($millions)4.6753%2,757
Cash dividends to net income (ytd only)*62.8931%1,418
Condition Ratios (%)
Loss allowance to loans1.7665%1,142
Loan loss allowance to noncurrent loans712.7451%784
Noncurrent assets plus other real estate owned to assets0.3208%4,214
Noncurrent loans to loans0.2478%4,464
Net loans and leases to total assets37.5950%5,536
Net loans and leases to deposits43.1871%5,587
Net loans and leases to core deposits43.9242%5,630
Total domestic deposits to total assets87.0514%1,894
Equity capital to assets11.0543%3,000
Core capital (leverage) ratio11.1171%2,310
Tier 1 risk-based capital ratio23.9488%910
Total risk-based capital ratio25.2000%892
Memoranda:
Average total assets$107,126,3304,285
Average earning assets$99,278,0004,284
Average equity$11,767,6704,357
Average total loans$40,245,3304,962
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9056%3,575
Cost of funding earning assets0.2074%5,131
Net interest margin3.6982%2,676
Noninterest income to average assets0.5499%2,805
Noninterest expense to average assets2.6973%3,428
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.1784%1,622
Return on assets (ROA)1.1784%1,724
Pretax return on assets1.3206%2,218
Return on Equity (ROE)10.7619%1,690
Retained earnings to average equity (ytd only)3.9289%3,528
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.1322%3,608
Assets per employee ($millions)4.4732%3,118
Cash dividends to net income (ytd only)*63.4921%1,354
Condition Ratios (%)
Loss allowance to loans1.7968%1,157
Loan loss allowance to noncurrent loans123.9930%3,162
Noncurrent assets plus other real estate owned to assets0.6297%3,172
Noncurrent loans to loans1.4491%1,632
Net loans and leases to total assets36.0433%5,639
Net loans and leases to deposits41.3554%5,668
Net loans and leases to core deposits42.0612%5,708
Total domestic deposits to total assets87.1550%2,127
Equity capital to assets10.9597%2,987
Core capital (leverage) ratio11.0300%2,380
Tier 1 risk-based capital ratio22.3654%1,108
Total risk-based capital ratio23.6162%1,087
Memoranda:
Average total assets$106,923,0004,330
Average earning assets$100,266,0004,292
Average equity$11,708,0004,382
Average total loans$39,791,0005,013
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3390%2,094
Cost of funding earning assets0.2193%5,100
Net interest margin4.1198%1,364
Noninterest income to average assets0.3636%4,306
Noninterest expense to average assets2.7464%3,424
Loan and lease loss provision to assets0.0650%2,992
Net operating income to assets1.1792%1,624
Return on assets (ROA)1.1792%1,702
Pretax return on assets1.4099%1,858
Return on Equity (ROE)10.9544%1,631
Retained earnings to average equity (ytd only)3.9548%3,221
Net charge-offs to loans0.0613%2,999
Credit loss provision to net charge-offs287.5000%1,021
Earnings coverage of net charge-offs (x)65.2500%820
Efficiency ratio65.0602%4,068
Assets per employee ($millions)4.2596%3,469
Cash dividends to net income (ytd only)*63.8978%1,542
Condition Ratios (%)
Loss allowance to loans1.7621%1,210
Loan loss allowance to noncurrent loans462.7451%1,120
Noncurrent assets plus other real estate owned to assets0.2423%4,628
Noncurrent loans to loans0.3808%4,085
Net loans and leases to total assets37.0658%5,664
Net loans and leases to deposits42.5311%5,693
Net loans and leases to core deposits43.1438%5,735
Total domestic deposits to total assets87.1498%2,050
Equity capital to assets10.9401%2,884
Core capital (leverage) ratio10.8882%2,507
Tier 1 risk-based capital ratio19.1678%1,664
Total risk-based capital ratio20.3574%1,634
Memoranda:
Average total assets$106,174,2004,329
Average earning assets$99,422,8004,308
Average equity$11,429,2004,399
Average total loans$39,130,2005,047
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3421%2,101
Cost of funding earning assets0.2201%5,182
Net interest margin4.1220%1,349
Noninterest income to average assets0.3732%4,264
Noninterest expense to average assets2.7346%3,450
Loan and lease loss provision to assets0.0653%2,878
Net operating income to assets1.1989%1,656
Return on assets (ROA)1.1989%1,719
Pretax return on assets1.4339%1,890
Return on Equity (ROE)11.1831%1,633
Retained earnings to average equity (ytd only)4.1614%3,503
Net charge-offs to loans0.0034%4,062
Credit loss provision to net charge-offs5,200.0000%75
Earnings coverage of net charge-offs (x)1,195.9624%60
Efficiency ratio64.5889%4,144
Assets per employee ($millions)4.4280%3,127
Cash dividends to net income (ytd only)*62.7884%1,303
Condition Ratios (%)
Loss allowance to loans1.8731%1,133
Loan loss allowance to noncurrent loans338.3886%1,451
Noncurrent assets plus other real estate owned to assets0.2654%4,706
Noncurrent loans to loans0.5535%3,674
Net loans and leases to total assets35.1961%5,806
Net loans and leases to deposits40.3499%5,855
Net loans and leases to core deposits40.9386%5,889
Total domestic deposits to total assets87.2272%1,927
Equity capital to assets10.8711%3,169
Core capital (leverage) ratio10.8303%2,669
Tier 1 risk-based capital ratio20.0953%1,518
Total risk-based capital ratio21.3459%1,489
Memoranda:
Average total assets$106,095,5004,380
Average earning assets$99,365,7504,349
Average equity$11,374,0004,465
Average total loans$38,868,0005,109
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3604%1,971
Cost of funding earning assets0.2197%5,257
Net interest margin4.1407%1,252
Noninterest income to average assets0.3753%4,261
Noninterest expense to average assets2.7236%3,517
Loan and lease loss provision to assets0.0679%2,761
Net operating income to assets1.1977%1,607
Return on assets (ROA)1.1977%1,686
Pretax return on assets1.4580%1,774
Return on Equity (ROE)11.2247%1,612
Retained earnings to average equity (ytd only)4.1363%3,389
Net charge-offs to loans0.0051%3,718
Credit loss provision to net charge-offs3,600.0000%118
Earnings coverage of net charge-offs (x)809.0000%79
Efficiency ratio64.0923%4,344
Assets per employee ($millions)4.6256%2,785
Cash dividends to net income (ytd only)*63.1496%1,425
Condition Ratios (%)
Loss allowance to loans1.7499%1,493
Loan loss allowance to noncurrent loans719.5876%746
Noncurrent assets plus other real estate owned to assets0.1579%5,246
Noncurrent loans to loans0.2432%4,786
Net loans and leases to total assets36.8356%5,783
Net loans and leases to deposits42.1559%5,828
Net loans and leases to core deposits42.7683%5,871
Total domestic deposits to total assets87.3793%1,978
Equity capital to assets10.7464%3,170
Core capital (leverage) ratio10.6370%2,810
Tier 1 risk-based capital ratio19.9101%1,571
Total risk-based capital ratio21.1518%1,531
Memoranda:
Average total assets$106,036,3304,418
Average earning assets$99,210,6704,388
Average equity$11,314,3304,504
Average total loans$39,118,0005,142
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1409%2,670
Cost of funding earning assets0.2265%5,254
Net interest margin3.9144%1,845
Noninterest income to average assets0.3930%4,060
Noninterest expense to average assets2.6450%3,765
Loan and lease loss provision to assets0.0567%2,798
Net operating income to assets1.1827%1,598
Return on assets (ROA)1.1827%1,696
Pretax return on assets1.3490%2,081
Return on Equity (ROE)11.1239%1,601
Retained earnings to average equity (ytd only)4.0515%3,574
Net charge-offs to loans0.0207%2,739
Credit loss provision to net charge-offs750.0000%401
Earnings coverage of net charge-offs (x)186.0000%302
Efficiency ratio65.2985%4,269
Assets per employee ($millions)4.4675%3,103
Cash dividends to net income (ytd only)*63.5783%1,330
Condition Ratios (%)
Loss allowance to loans1.7045%1,724
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0662%5,668
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets36.3583%5,809
Net loans and leases to deposits41.5234%5,859
Net loans and leases to core deposits42.1201%5,905
Total domestic deposits to total assets87.5610%2,067
Equity capital to assets10.5504%3,477
Core capital (leverage) ratio10.6181%2,833
Tier 1 risk-based capital ratio13.7039%4,220
Total risk-based capital ratio14.5410%4,354
Memoranda:
Average total assets$105,860,0004,458
Average earning assets$98,916,5004,435
Average equity$11,255,0004,552
Average total loans$38,733,5005,184
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1501%3,123
Cost of funding earning assets0.2547%5,275
Net interest margin3.8955%2,262
Noninterest income to average assets0.4316%3,961
Noninterest expense to average assets2.7045%3,848
Loan and lease loss provision to assets0.0198%4,221
Net operating income to assets1.1925%1,607
Return on assets (ROA)1.1925%1,677
Pretax return on assets1.3344%2,131
Return on Equity (ROE)10.9742%1,727
Retained earnings to average equity (ytd only)5.3867%2,342
Net charge-offs to loans0.0887%3,220
Credit loss provision to net charge-offs64.5161%3,192
Earnings coverage of net charge-offs (x)44.0323%1,015
Efficiency ratio66.6341%4,127
Assets per employee ($millions)4.3542%3,263
Cash dividends to net income (ytd only)*50.9151%2,222
Condition Ratios (%)
Loss allowance to loans1.7510%1,653
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0679%5,756
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets35.5461%5,974
Net loans and leases to deposits40.6932%6,013
Net loans and leases to core deposits41.2944%6,065
Total domestic deposits to total assets87.3513%2,100
Equity capital to assets10.7157%3,217
Core capital (leverage) ratio10.9365%2,459
Tier 1 risk-based capital ratio20.2598%1,545
Total risk-based capital ratio21.4847%1,523
Memoranda:
Average total assets$100,796,6004,580
Average earning assets$93,853,0004,559
Average equity$10,953,0004,570
Average total loans$34,931,0005,367
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1572%3,139
Cost of funding earning assets0.2552%5,351
Net interest margin3.9021%2,235
Noninterest income to average assets0.4232%4,075
Noninterest expense to average assets2.6580%3,986
Loan and lease loss provision to assets0.0067%4,287
Net operating income to assets1.1975%1,685
Return on assets (ROA)1.1975%1,760
Pretax return on assets1.3924%2,041
Return on Equity (ROE)10.9805%1,796
Retained earnings to average equity (ytd only)6.6716%1,996
Net charge-offs to loans0.0507%3,492
Credit loss provision to net charge-offs38.4615%3,312
Earnings coverage of net charge-offs (x)80.6290%701
Efficiency ratio65.5150%4,295
Assets per employee ($millions)4.4876%2,997
Cash dividends to net income (ytd only)*39.2418%2,381
Condition Ratios (%)
Loss allowance to loans1.8117%1,670
Loan loss allowance to noncurrent loans458.6207%1,048
Noncurrent assets plus other real estate owned to assets0.2664%5,188
Noncurrent loans to loans0.3950%4,724
Net loans and leases to total assets36.5053%6,014
Net loans and leases to deposits42.1143%6,043
Net loans and leases to core deposits42.7857%6,095
Total domestic deposits to total assets86.6816%2,487
Equity capital to assets11.2957%2,659
Core capital (leverage) ratio11.2727%2,244
Tier 1 risk-based capital ratio21.0498%1,443
Total risk-based capital ratio22.2994%1,421
Memoranda:
Average total assets$99,870,5004,644
Average earning assets$93,008,2504,626
Average equity$10,891,7504,616
Average total loans$34,211,7505,445
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0610%3,498
Cost of funding earning assets0.2596%5,388
Net interest margin3.8014%2,569
Noninterest income to average assets0.4209%4,087
Noninterest expense to average assets2.6055%4,224
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.1711%1,685
Return on assets (ROA)1.1711%1,750
Pretax return on assets1.3506%2,082
Return on Equity (ROE)10.8653%1,786
Retained earnings to average equity (ytd only)7.0893%1,725
Net charge-offs to loans0.0060%4,172
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)677.0000%102
Efficiency ratio65.8598%4,384
Assets per employee ($millions)4.6181%2,746
Cash dividends to net income (ytd only)*34.7530%2,615
Condition Ratios (%)
Loss allowance to loans1.9358%1,492
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1880%5,566
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets33.5072%6,179
Net loans and leases to deposits38.3700%6,211
Net loans and leases to core deposits38.9593%6,246
Total domestic deposits to total assets87.3266%2,287
Equity capital to assets10.8170%3,070
Core capital (leverage) ratio11.0389%2,386
Tier 1 risk-based capital ratio21.2183%1,404
Total risk-based capital ratio22.4694%1,378
Memoranda:
Average total assets$100,251,3304,679
Average earning assets$93,229,0004,653
Average equity$10,805,0004,652
Average total loans$33,380,3305,518
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9814%3,765
Cost of funding earning assets0.2597%5,497
Net interest margin3.7217%2,777
Noninterest income to average assets0.4218%4,019
Noninterest expense to average assets2.5749%4,360
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.1770%1,546
Return on assets (ROA)1.1770%1,611
Pretax return on assets1.3015%2,085
Return on Equity (ROE)10.9405%1,705
Retained earnings to average equity (ytd only)7.8413%1,666
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.4249%4,457
Assets per employee ($millions)4.5175%2,948
Cash dividends to net income (ytd only)*28.3276%2,328
Condition Ratios (%)
Loss allowance to loans2.0043%1,510
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2113%5,580
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets33.1086%6,219
Net loans and leases to deposits37.9308%6,250
Net loans and leases to core deposits38.5259%6,295
Total domestic deposits to total assets87.2868%2,644
Equity capital to assets10.8849%2,843
Core capital (leverage) ratio10.8143%2,581
Tier 1 risk-based capital ratio21.4074%1,392
Total risk-based capital ratio22.6580%1,372
Memoranda:
Average total assets$99,577,5004,749
Average earning assets$92,430,0004,712
Average equity$10,712,5004,685
Average total loans$32,713,0005,596
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3664%2,709
Cost of funding earning assets0.2853%5,712
Net interest margin4.0811%1,700
Noninterest income to average assets0.4859%3,848
Noninterest expense to average assets2.7128%4,049
Loan and lease loss provision to assets0.1142%2,905
Net operating income to assets1.1939%1,593
Return on assets (ROA)1.1939%1,658
Pretax return on assets1.4016%1,773
Return on Equity (ROE)11.3218%1,664
Retained earnings to average equity (ytd only)8.6144%870
Net charge-offs to loans0.3448%1,955
Credit loss provision to net charge-offs100.0000%2,416
Earnings coverage of net charge-offs (x)13.2727%2,042
Efficiency ratio64.1542%4,865
Assets per employee ($millions)4.5350%2,844
Cash dividends to net income (ytd only)*23.9130%3,558
Condition Ratios (%)
Loss allowance to loans2.1132%1,313
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2105%5,658
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets31.2469%6,420
Net loans and leases to deposits35.6967%6,433
Net loans and leases to core deposits36.2525%6,461
Total domestic deposits to total assets87.5343%2,456
Equity capital to assets10.6315%3,001
Core capital (leverage) ratio10.7324%2,644
Tier 1 risk-based capital ratio21.5309%1,331
Total risk-based capital ratio22.7834%1,311
Memoranda:
Average total assets$96,320,4004,831
Average earning assets$88,333,2004,823
Average equity$10,157,4004,810
Average total loans$31,906,0005,672
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4457%2,442
Cost of funding earning assets0.2841%5,858
Net interest margin4.1616%1,450
Noninterest income to average assets0.4442%4,196
Noninterest expense to average assets2.7222%3,933
Loan and lease loss provision to assets0.0838%3,383
Net operating income to assets1.1635%1,760
Return on assets (ROA)1.1635%1,831
Pretax return on assets1.4442%1,782
Return on Equity (ROE)11.0566%1,800
Retained earnings to average equity (ytd only)8.3223%1,286
Net charge-offs to loans0.1838%2,762
Credit loss provision to net charge-offs136.3636%1,719
Earnings coverage of net charge-offs (x)24.8616%1,406
Efficiency ratio64.0486%4,790
Assets per employee ($millions)4.3163%3,193
Cash dividends to net income (ytd only)*24.7299%2,903
Condition Ratios (%)
Loss allowance to loans2.1056%1,492
Loan loss allowance to noncurrent loans626.3636%728
Noncurrent assets plus other real estate owned to assets0.3180%5,456
Noncurrent loans to loans0.3362%5,381
Net loans and leases to total assets33.7335%6,373
Net loans and leases to deposits38.6564%6,424
Net loans and leases to core deposits39.2913%6,471
Total domestic deposits to total assets87.2650%2,522
Equity capital to assets10.9089%2,849
Core capital (leverage) ratio10.8058%2,663
Tier 1 risk-based capital ratio21.1266%1,474
Total risk-based capital ratio22.3788%1,446
Memoranda:
Average total assets$95,458,0004,894
Average earning assets$87,303,5004,889
Average equity$10,045,0004,891
Average total loans$31,920,5005,728
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4244%2,474
Cost of funding earning assets0.2827%5,963
Net interest margin4.1417%1,431
Noninterest income to average assets0.4288%4,313
Noninterest expense to average assets2.7190%3,964
Loan and lease loss provision to assets0.0837%3,405
Net operating income to assets1.1587%1,704
Return on assets (ROA)1.1587%1,822
Pretax return on assets1.4264%1,848
Return on Equity (ROE)11.1465%1,769
Retained earnings to average equity (ytd only)8.3901%1,337
Net charge-offs to loans-0.0505%6,272
Credit loss provision to net charge-offs-500.0000%5,903
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.2928%4,830
Assets per employee ($millions)4.3920%3,006
Cash dividends to net income (ytd only)*24.7292%2,822
Condition Ratios (%)
Loss allowance to loans2.3016%1,260
Loan loss allowance to noncurrent loans369.7436%1,146
Noncurrent assets plus other real estate owned to assets0.3674%5,382
Noncurrent loans to loans0.6225%4,697
Net loans and leases to total assets31.6740%6,523
Net loans and leases to deposits36.0347%6,558
Net loans and leases to core deposits36.6115%6,583
Total domestic deposits to total assets87.8986%2,319
Equity capital to assets10.5035%3,302
Core capital (leverage) ratio10.4970%2,878
Tier 1 risk-based capital ratio21.0731%1,471
Total risk-based capital ratio22.3272%1,445
Memoranda:
Average total assets$95,624,3304,920
Average earning assets$87,741,0004,908
Average equity$9,940,3304,960
Average total loans$31,653,3305,768
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3646%2,645
Cost of funding earning assets0.2867%6,061
Net interest margin4.0779%1,531
Noninterest income to average assets0.4331%4,230
Noninterest expense to average assets2.7165%3,993
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.1606%1,638
Return on assets (ROA)1.1606%1,745
Pretax return on assets1.4844%1,603
Return on Equity (ROE)11.2241%1,636
Retained earnings to average equity (ytd only)8.4587%1,578
Net charge-offs to loans-0.0754%6,316
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6647%4,892
Assets per employee ($millions)4.3601%3,223
Cash dividends to net income (ytd only)*24.6377%2,217
Condition Ratios (%)
Loss allowance to loans2.1239%1,744
Loan loss allowance to noncurrent loans159.7647%2,264
Noncurrent assets plus other real estate owned to assets0.4848%5,171
Noncurrent loans to loans1.3294%3,572
Net loans and leases to total assets32.6213%6,483
Net loans and leases to deposits37.0790%6,538
Net loans and leases to core deposits37.5277%6,580
Total domestic deposits to total assets87.9777%2,329
Equity capital to assets10.3626%3,719
Core capital (leverage) ratio10.4853%2,798
Tier 1 risk-based capital ratio20.4165%1,670
Total risk-based capital ratio21.6695%1,644
Memoranda:
Average total assets$95,124,0004,975
Average earning assets$87,888,5004,938
Average equity$9,836,0005,025
Average total loans$31,817,0005,801
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6252%2,899
Cost of funding earning assets0.3901%5,980
Net interest margin4.2351%1,560
Noninterest income to average assets0.5249%3,744
Noninterest expense to average assets3.0312%3,160
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets1.1603%1,734
Return on assets (ROA)1.1603%1,891
Pretax return on assets1.3924%2,064
Return on Equity (ROE)11.1191%1,767
Retained earnings to average equity (ytd only)5.8243%2,179
Net charge-offs to loans-0.0519%6,714
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.5236%4,051
Assets per employee ($millions)4.4917%2,979
Cash dividends to net income (ytd only)*47.6190%2,450
Condition Ratios (%)
Loss allowance to loans2.1254%1,697
Loan loss allowance to noncurrent loans218.5065%1,709
Noncurrent assets plus other real estate owned to assets0.3848%5,527
Noncurrent loans to loans0.9727%4,251
Net loans and leases to total assets32.8552%6,596
Net loans and leases to deposits37.3543%6,656
Net loans and leases to core deposits37.8137%6,682
Total domestic deposits to total assets87.9556%2,267
Equity capital to assets10.3174%3,734
Core capital (leverage) ratio10.5727%2,680
Tier 1 risk-based capital ratio20.2127%1,624
Total risk-based capital ratio21.4651%1,599
Memoranda:
Average total assets$90,492,2005,071
Average earning assets$83,303,8005,038
Average equity$9,443,2005,122
Average total loans$30,821,4005,909
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6946%2,827
Cost of funding earning assets0.4097%6,064
Net interest margin4.2849%1,520
Noninterest income to average assets0.5569%3,562
Noninterest expense to average assets3.0289%3,132
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.1273%1,997
Return on assets (ROA)1.1273%2,193
Pretax return on assets1.4683%2,011
Return on Equity (ROE)10.7706%2,043
Retained earnings to average equity (ytd only)5.4351%3,076
Net charge-offs to loans-0.0741%6,793
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3510%4,204
Assets per employee ($millions)4.5301%2,863
Cash dividends to net income (ytd only)*49.5378%1,710
Condition Ratios (%)
Loss allowance to loans2.2115%1,686
Loan loss allowance to noncurrent loans295.6140%1,265
Noncurrent assets plus other real estate owned to assets0.3124%5,914
Noncurrent loans to loans0.7481%4,923
Net loans and leases to total assets32.8948%6,709
Net loans and leases to deposits37.5499%6,766
Net loans and leases to core deposits38.0330%6,810
Total domestic deposits to total assets87.6028%2,293
Equity capital to assets10.5573%3,775
Core capital (leverage) ratio10.4773%2,939
Tier 1 risk-based capital ratio20.8184%1,572
Total risk-based capital ratio22.0720%1,534
Memoranda:
Average total assets$89,533,7505,156
Average earning assets$82,333,5005,110
Average equity$9,371,0005,182
Average total loans$30,610,7505,997
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7415%2,753
Cost of funding earning assets0.4244%6,133
Net interest margin4.3171%1,438
Noninterest income to average assets0.5382%3,662
Noninterest expense to average assets3.0052%3,243
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.1214%1,973
Return on assets (ROA)1.1214%2,190
Pretax return on assets1.5026%1,839
Return on Equity (ROE)10.7454%2,081
Retained earnings to average equity (ytd only)5.3727%3,060
Net charge-offs to loans-0.0913%6,839
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6667%4,388
Assets per employee ($millions)4.5558%2,802
Cash dividends to net income (ytd only)*50.0000%1,735
Condition Ratios (%)
Loss allowance to loans2.1791%1,821
Loan loss allowance to noncurrent loans559.1667%652
Noncurrent assets plus other real estate owned to assets0.5081%5,491
Noncurrent loans to loans0.3897%5,755
Net loans and leases to total assets33.0582%6,766
Net loans and leases to deposits37.5803%6,821
Net loans and leases to core deposits38.0585%6,870
Total domestic deposits to total assets87.9669%2,164
Equity capital to assets10.3529%3,876
Core capital (leverage) ratio10.3491%2,987
Tier 1 risk-based capital ratio20.0191%1,699
Total risk-based capital ratio21.2712%1,667
Memoranda:
Average total assets$89,178,0005,191
Average earning assets$81,999,3305,152
Average equity$9,306,3305,201
Average total loans$30,655,3306,031
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7213%2,967
Cost of funding earning assets0.4377%6,219
Net interest margin4.2836%1,522
Noninterest income to average assets0.5124%3,834
Noninterest expense to average assets2.9611%3,421
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.1110%2,033
Return on assets (ROA)1.1110%2,216
Pretax return on assets1.5010%1,864
Return on Equity (ROE)10.6026%2,191
Retained earnings to average equity (ytd only)5.1931%3,444
Net charge-offs to loans-0.0915%6,756
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.3618%4,490
Assets per employee ($millions)4.1146%3,765
Cash dividends to net income (ytd only)*51.0204%1,437
Condition Ratios (%)
Loss allowance to loans2.2011%1,880
Loan loss allowance to noncurrent loans118.9964%2,639
Noncurrent assets plus other real estate owned to assets0.6606%5,238
Noncurrent loans to loans1.8497%3,343
Net loans and leases to total assets32.5921%6,795
Net loans and leases to deposits36.9698%6,856
Net loans and leases to core deposits37.4423%6,897
Total domestic deposits to total assets88.1587%2,212
Equity capital to assets10.2771%3,754
Core capital (leverage) ratio10.6851%2,562
Tier 1 risk-based capital ratio20.2512%1,648
Total risk-based capital ratio21.5051%1,619
Memoranda:
Average total assets$88,209,5005,263
Average earning assets$81,333,5005,211
Average equity$9,243,0005,232
Average total loans$30,587,0006,083
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1812%2,142
Cost of funding earning assets0.7531%5,189
Net interest margin4.4281%1,316
Noninterest income to average assets0.5289%3,656
Noninterest expense to average assets2.9116%3,913
Loan and lease loss provision to assets0.1122%5,188
Net operating income to assets1.2220%1,455
Return on assets (ROA)1.2220%1,560
Pretax return on assets1.5597%1,312
Return on Equity (ROE)11.6094%1,530
Retained earnings to average equity (ytd only)5.1485%2,534
Net charge-offs to loans0.2869%3,977
Credit loss provision to net charge-offs104.3956%3,289
Earnings coverage of net charge-offs (x)15.5604%1,384
Efficiency ratio63.5240%5,211
Assets per employee ($millions)4.0903%3,665
Cash dividends to net income (ytd only)*55.6522%1,766
Condition Ratios (%)
Loss allowance to loans2.1189%1,953
Loan loss allowance to noncurrent loans94.6686%3,184
Noncurrent assets plus other real estate owned to assets0.8545%4,915
Noncurrent loans to loans2.2382%2,912
Net loans and leases to total assets35.3330%6,798
Net loans and leases to deposits40.3295%6,868
Net loans and leases to core deposits40.8754%6,922
Total domestic deposits to total assets87.6107%2,396
Equity capital to assets10.6907%3,313
Core capital (leverage) ratio10.6268%2,590
Tier 1 risk-based capital ratio19.9051%1,670
Total risk-based capital ratio21.1579%1,635
Memoranda:
Average total assets$84,696,4005,320
Average earning assets$77,549,4005,299
Average equity$8,915,2005,302
Average total loans$31,717,0006,090
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2191%2,136
Cost of funding earning assets0.8157%5,044
Net interest margin4.4034%1,396
Noninterest income to average assets0.5419%3,571
Noninterest expense to average assets2.9637%3,693
Loan and lease loss provision to assets0.0711%5,563
Net operating income to assets1.1564%1,791
Return on assets (ROA)1.1564%1,908
Pretax return on assets1.5324%1,571
Return on Equity (ROE)11.0302%1,852
Retained earnings to average equity (ytd only)4.2493%3,704
Net charge-offs to loans-0.1547%7,230
Credit loss provision to net charge-offs-121.6216%6,540
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.8910%4,919
Assets per employee ($millions)4.5753%2,799
Cash dividends to net income (ytd only)*61.4756%1,140
Condition Ratios (%)
Loss allowance to loans2.3645%1,596
Loan loss allowance to noncurrent loans90.9653%3,206
Noncurrent assets plus other real estate owned to assets0.9755%4,795
Noncurrent loans to loans2.5993%2,670
Net loans and leases to total assets34.9131%6,916
Net loans and leases to deposits39.7449%6,980
Net loans and leases to core deposits40.8633%7,013
Total domestic deposits to total assets87.8431%2,135
Equity capital to assets10.3601%3,876
Core capital (leverage) ratio10.4573%2,921
Tier 1 risk-based capital ratio19.4258%1,835
Total risk-based capital ratio20.6812%1,806
Memoranda:
Average total assets$84,396,2505,370
Average earning assets$77,151,0005,350
Average equity$8,848,2505,350
Average total loans$31,894,5006,141
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2571%2,039
Cost of funding earning assets0.8806%4,823
Net interest margin4.3765%1,443
Noninterest income to average assets0.5410%3,548
Noninterest expense to average assets2.9682%3,765
Loan and lease loss provision to assets0.0239%5,994
Net operating income to assets1.1610%1,687
Return on assets (ROA)1.1610%1,764
Pretax return on assets1.5224%1,461
Return on Equity (ROE)11.0282%1,788
Retained earnings to average equity (ytd only)3.6154%3,934
Net charge-offs to loans-0.0995%7,167
Credit loss provision to net charge-offs-62.5000%6,265
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.7476%4,922
Assets per employee ($millions)4.7747%2,444
Cash dividends to net income (ytd only)*67.2165%1,100
Condition Ratios (%)
Loss allowance to loans2.1206%2,073
Loan loss allowance to noncurrent loans115.0847%2,529
Noncurrent assets plus other real estate owned to assets0.7330%5,444
Noncurrent loans to loans1.8427%3,692
Net loans and leases to total assets36.4652%6,938
Net loans and leases to deposits41.4523%7,016
Net loans and leases to core deposits42.6296%7,051
Total domestic deposits to total assets87.9690%2,158
Equity capital to assets10.3357%3,703
Core capital (leverage) ratio10.3595%2,870
Tier 1 risk-based capital ratio19.8131%1,649
Total risk-based capital ratio21.0666%1,621
Memoranda:
Average total assets$83,551,6705,436
Average earning assets$75,859,0005,437
Average equity$8,795,6705,383
Average total loans$32,164,3306,180
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3083%1,846
Cost of funding earning assets0.9141%4,823
Net interest margin4.3942%1,295
Noninterest income to average assets0.6363%2,922
Noninterest expense to average assets3.0599%3,421
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.1608%1,624
Return on assets (ROA)1.1608%1,676
Pretax return on assets1.5688%1,258
Return on Equity (ROE)10.9232%1,765
Retained earnings to average equity (ytd only)2.6508%4,578
Net charge-offs to loans-0.0993%7,086
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.1070%5,020
Assets per employee ($millions)4.7685%2,472
Cash dividends to net income (ytd only)*75.7322%921
Condition Ratios (%)
Loss allowance to loans2.0948%2,198
Loan loss allowance to noncurrent loans112.4150%2,575
Noncurrent assets plus other real estate owned to assets0.7317%5,472
Noncurrent loans to loans1.8635%3,742
Net loans and leases to total assets35.9920%7,000
Net loans and leases to deposits40.8265%7,065
Net loans and leases to core deposits41.9822%7,110
Total domestic deposits to total assets88.1584%2,285
Equity capital to assets10.2303%3,500
Core capital (leverage) ratio10.6612%2,463
Tier 1 risk-based capital ratio18.9000%1,823
Total risk-based capital ratio20.1528%1,788
Memoranda:
Average total assets$82,355,0005,515
Average earning assets$74,826,5005,515
Average equity$8,752,0005,393
Average total loans$32,237,0006,227
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6055%1,871
Cost of funding earning assets1.0293%5,536
Net interest margin4.5762%1,063
Noninterest income to average assets0.8045%2,260
Noninterest expense to average assets3.1238%3,371
Loan and lease loss provision to assets0.0065%7,010
Net operating income to assets1.3513%1,045
Return on assets (ROA)1.3513%1,124
Pretax return on assets1.8327%715
Return on Equity (ROE)12.2734%1,261
Retained earnings to average equity (ytd only)5.8218%1,926
Net charge-offs to loans0.0123%6,706
Credit loss provision to net charge-offs125.0000%3,271
Earnings coverage of net charge-offs (x)351.5000%66
Efficiency ratio62.9415%5,527
Assets per employee ($millions)4.1514%3,477
Cash dividends to net income (ytd only)*52.5653%1,961
Condition Ratios (%)
Loss allowance to loans1.9836%2,345
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0507%7,107
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets40.9080%6,907
Net loans and leases to deposits46.7056%7,010
Net loans and leases to core deposits48.1568%7,062
Total domestic deposits to total assets87.5870%2,496
Equity capital to assets11.0590%2,634
Core capital (leverage) ratio10.9785%2,174
Tier 1 risk-based capital ratio20.5819%1,388
Total risk-based capital ratio21.8347%1,370
Memoranda:
Average total assets$76,445,0005,698
Average earning assets$69,467,6005,691
Average equity$8,416,6005,578
Average total loans$32,420,4006,292
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7257%1,626
Cost of funding earning assets1.0336%5,782
Net interest margin4.6921%860
Noninterest income to average assets0.8052%2,210
Noninterest expense to average assets3.2420%2,771
Loan and lease loss provision to assets0.0088%6,934
Net operating income to assets1.2869%1,361
Return on assets (ROA)1.2869%1,446
Pretax return on assets1.8161%895
Return on Equity (ROE)11.7024%1,589
Retained earnings to average equity (ytd only)4.9399%3,032
Net charge-offs to loans-0.0660%7,503
Credit loss provision to net charge-offs-31.2500%6,867
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9833%5,242
Assets per employee ($millions)4.0712%3,695
Cash dividends to net income (ytd only)*57.7870%1,329
Condition Ratios (%)
Loss allowance to loans1.9852%2,262
Loan loss allowance to noncurrent loans560.8333%556
Noncurrent assets plus other real estate owned to assets0.2443%6,754
Noncurrent loans to loans0.3540%6,490
Net loans and leases to total assets42.9569%6,911
Net loans and leases to deposits49.0291%7,044
Net loans and leases to core deposits49.8223%7,130
Total domestic deposits to total assets87.6151%2,202
Equity capital to assets11.0443%2,918
Core capital (leverage) ratio11.0348%2,232
Tier 1 risk-based capital ratio20.0263%1,545
Total risk-based capital ratio21.2805%1,511
Memoranda:
Average total assets$75,837,0005,779
Average earning assets$68,880,2505,775
Average equity$8,340,0005,679
Average total loans$32,295,5006,381
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5847%2,192
Cost of funding earning assets1.0426%5,954
Net interest margin4.5422%1,114
Noninterest income to average assets0.7062%2,671
Noninterest expense to average assets3.0585%3,478
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets1.2850%1,342
Return on assets (ROA)1.2850%1,406
Pretax return on assets1.7655%938
Return on Equity (ROE)11.7017%1,527
Retained earnings to average equity (ytd only)1.4990%5,126
Net charge-offs to loans-0.0126%7,228
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.4012%5,448
Assets per employee ($millions)4.0775%3,615
Cash dividends to net income (ytd only)*87.1901%620
Condition Ratios (%)
Loss allowance to loans2.1338%1,899
Loan loss allowance to noncurrent loans545.0000%600
Noncurrent assets plus other real estate owned to assets0.2440%6,792
Noncurrent loans to loans0.3915%6,457
Net loans and leases to total assets38.7185%7,235
Net loans and leases to deposits44.0263%7,321
Net loans and leases to core deposits46.1292%7,350
Total domestic deposits to total assets87.9440%2,035
Equity capital to assets10.7084%3,166
Core capital (leverage) ratio10.9211%2,303
Tier 1 risk-based capital ratio20.9253%1,350
Total risk-based capital ratio22.1816%1,322
Memoranda:
Average total assets$75,332,0005,825
Average earning assets$68,293,3305,818
Average equity$8,272,3305,706
Average total loans$31,760,3306,448
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7246%1,686
Cost of funding earning assets1.0566%6,103
Net interest margin4.6681%836
Noninterest income to average assets0.8564%1,788
Noninterest expense to average assets3.1402%3,105
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.5028%889
Return on assets (ROA)1.5028%959
Pretax return on assets1.9283%695
Return on Equity (ROE)13.5101%1,145
Retained earnings to average equity (ytd only)2.5664%4,596
Net charge-offs to loans-0.1980%7,671
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.9554%5,839
Assets per employee ($millions)3.9633%3,961
Cash dividends to net income (ytd only)*81.0036%827
Condition Ratios (%)
Loss allowance to loans2.0990%1,959
Loan loss allowance to noncurrent loans661.3861%486
Noncurrent assets plus other real estate owned to assets0.2258%6,896
Noncurrent loans to loans0.3174%6,672
Net loans and leases to total assets41.3747%7,161
Net loans and leases to deposits47.1090%7,274
Net loans and leases to core deposits49.4234%7,305
Total domestic deposits to total assets87.8277%2,155
Equity capital to assets11.0050%2,757
Core capital (leverage) ratio11.2667%2,048
Tier 1 risk-based capital ratio20.7031%1,390
Total risk-based capital ratio21.9599%1,364
Memoranda:
Average total assets$74,262,0005,931
Average earning assets$67,008,5005,934
Average equity$8,260,5005,751
Average total loans$32,315,5006,497
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3441%948
Cost of funding earning assets1.2470%6,482
Net interest margin5.0972%364
Noninterest income to average assets0.5531%3,996
Noninterest expense to average assets3.1673%3,485
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets1.4548%748
Return on assets (ROA)1.4548%812
Pretax return on assets2.0194%391
Return on Equity (ROE)12.4568%1,061
Retained earnings to average equity (ytd only)2.8860%3,157
Net charge-offs to loans0.0460%6,647
Credit loss provision to net charge-offs0.0000%7,003
Earnings coverage of net charge-offs (x)93.4667%299
Efficiency ratio61.0664%6,321
Assets per employee ($millions)3.6611%4,620
Cash dividends to net income (ytd only)*76.8317%1,295
Condition Ratios (%)
Loss allowance to loans1.9874%2,063
Loan loss allowance to noncurrent loans2,716.6667%152
Noncurrent assets plus other real estate owned to assets0.1270%7,163
Noncurrent loans to loans0.0732%7,239
Net loans and leases to total assets43.9144%7,123
Net loans and leases to deposits50.0911%7,255
Net loans and leases to core deposits54.5972%7,454
Total domestic deposits to total assets87.6690%2,134
Equity capital to assets11.2453%2,500
Core capital (leverage) ratio11.3876%1,980
Tier 1 risk-based capital ratio20.0962%1,445
Total risk-based capital ratio21.3508%1,408
Memoranda:
Average total assets$69,427,4006,021
Average earning assets$63,113,4006,031
Average equity$8,108,0005,887
Average total loans$32,644,0006,485
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4157%899
Cost of funding earning assets1.2942%6,574
Net interest margin5.1214%345
Noninterest income to average assets0.5471%4,106
Noninterest expense to average assets3.1931%3,321
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets1.4038%1,021
Return on assets (ROA)1.4038%1,089
Pretax return on assets2.0230%520
Return on Equity (ROE)11.9026%1,380
Retained earnings to average equity (ytd only)2.3607%4,004
Net charge-offs to loans0.0123%6,754
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)346.3250%109
Efficiency ratio61.2169%6,237
Assets per employee ($millions)3.7639%4,278
Cash dividends to net income (ytd only)*80.1666%944
Condition Ratios (%)
Loss allowance to loans2.0331%1,721
Loan loss allowance to noncurrent loans152.9954%1,869
Noncurrent assets plus other real estate owned to assets0.7034%5,724
Noncurrent loans to loans1.3288%4,713
Net loans and leases to total assets44.7409%7,195
Net loans and leases to deposits51.2600%7,345
Net loans and leases to core deposits55.9165%7,545
Total domestic deposits to total assets87.2822%2,029
Equity capital to assets11.3852%2,680
Core capital (leverage) ratio11.5385%2,055
Tier 1 risk-based capital ratio20.0290%1,552
Total risk-based capital ratio21.2936%1,495
Memoranda:
Average total assets$68,478,7506,090
Average earning assets$62,428,7506,093
Average equity$8,076,5005,958
Average total loans$32,603,2506,530
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5298%770
Cost of funding earning assets1.3529%6,638
Net interest margin5.1769%308
Noninterest income to average assets0.5573%3,979
Noninterest expense to average assets3.2105%3,309
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets1.4318%954
Return on assets (ROA)1.4318%1,021
Pretax return on assets2.0543%486
Return on Equity (ROE)11.9930%1,413
Retained earnings to average equity (ytd only)2.5079%3,935
Net charge-offs to loans-0.2271%8,041
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.9797%6,403
Assets per employee ($millions)3.6653%4,406
Cash dividends to net income (ytd only)*79.0890%1,097
Condition Ratios (%)
Loss allowance to loans2.1961%1,253
Loan loss allowance to noncurrent loans617.5439%545
Noncurrent assets plus other real estate owned to assets0.1637%7,139
Noncurrent loans to loans0.3556%6,620
Net loans and leases to total assets45.0209%7,263
Net loans and leases to deposits51.6405%7,402
Net loans and leases to core deposits55.7744%7,605
Total domestic deposits to total assets87.1814%2,156
Equity capital to assets11.6311%2,444
Core capital (leverage) ratio11.7148%1,968
Tier 1 risk-based capital ratio20.0903%1,563
Total risk-based capital ratio21.3480%1,526
Memoranda:
Average total assets$67,467,0006,172
Average earning assets$61,349,3306,170
Average equity$8,054,6706,001
Average total loans$32,584,3306,581
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6125%693
Cost of funding earning assets1.4076%6,705
Net interest margin5.2049%278
Noninterest income to average assets0.5303%4,056
Noninterest expense to average assets3.2721%2,733
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.4221%1,093
Return on assets (ROA)1.4221%1,180
Pretax return on assets2.0488%605
Return on Equity (ROE)11.7530%1,744
Retained earnings to average equity (ytd only)3.0378%4,190
Net charge-offs to loans-0.0487%7,689
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4949%6,156
Assets per employee ($millions)3.6131%4,539
Cash dividends to net income (ytd only)*74.1525%1,190
Condition Ratios (%)
Loss allowance to loans2.0391%1,339
Loan loss allowance to noncurrent loans6,100.0000%89
Noncurrent assets plus other real estate owned to assets0.0160%7,587
Noncurrent loans to loans0.0334%7,454
Net loans and leases to total assets46.9569%7,108
Net loans and leases to deposits53.8003%7,303
Net loans and leases to core deposits56.8519%7,575
Total domestic deposits to total assets87.2800%2,077
Equity capital to assets11.7440%2,412
Core capital (leverage) ratio12.0532%1,874
Tier 1 risk-based capital ratio19.9604%1,631
Total risk-based capital ratio21.2161%1,586
Memoranda:
Average total assets$66,380,0006,239
Average earning assets$61,096,0006,211
Average equity$8,032,0006,053
Average total loans$32,848,0006,600
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1321%855
Cost of funding earning assets1.6267%7,392
Net interest margin5.5055%205
Noninterest income to average assets0.5765%4,035
Noninterest expense to average assets3.4051%2,662
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets1.6583%735
Return on assets (ROA)1.6583%705
Pretax return on assets2.2174%382
Return on Equity (ROE)13.6169%1,183
Retained earnings to average equity (ytd only)7.4828%989
Net charge-offs to loans-0.0410%8,010
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.5618%6,250
Assets per employee ($millions)3.2056%5,468
Cash dividends to net income (ytd only)*45.0476%3,403
Condition Ratios (%)
Loss allowance to loans2.0342%1,162
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets50.1045%7,020
Net loans and leases to deposits57.7316%7,223
Net loans and leases to core deposits59.7982%7,591
Total domestic deposits to total assets86.7887%2,042
Equity capital to assets12.4813%2,023
Core capital (leverage) ratio12.3293%1,815
Tier 1 risk-based capital ratio20.1970%1,584
Total risk-based capital ratio21.4520%1,553
Memoranda:
Average total assets$63,317,2006,261
Average earning assets$58,033,0006,260
Average equity$7,711,0006,206
Average total loans$31,721,2006,618