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First Republic Bank, Performance and Condition Ratios

2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9109%4,240
Cost of funding earning assets0.2353%3,605
Net interest margin2.6756%4,013
Noninterest income to average assets0.4827%2,692
Noninterest expense to average assets1.9101%3,966
Loan and lease loss provision to assets-0.0392%4,629
Net operating income to assets0.8966%3,128
Return on assets (ROA)0.8980%3,206
Pretax return on assets1.1501%2,987
Return on Equity (ROE)10.8481%2,408
Retained earnings to average equity (ytd only)9.0912%1,923
Net charge-offs to loans0.0017%1,869
Credit loss provision to net charge-offs-2,814.5791%3,614
Earnings coverage of net charge-offs (x)849.2444%112
Efficiency ratio63.1224%2,589
Assets per employee ($millions)27.4196%56
Cash dividends to net income (ytd only)*16.1961%2,107
Condition Ratios (%)
Loss allowance to loans0.5258%4,756
Loan loss allowance to noncurrent loans357.5254%1,527
Noncurrent assets plus other real estate owned to assets0.1123%3,609
Noncurrent loans to loans0.1471%3,590
Net loans and leases to total assets75.3942%686
Net loans and leases to deposits91.8344%603
Net loans and leases to core deposits96.1550%874
Total domestic deposits to total assets82.0980%3,875
Equity capital to assets8.3067%4,272
Core capital (leverage) ratio8.3239%4,284
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8708%2,714
Memoranda:
Average total assets$149,150,047,00023
Average earning assets$141,398,440,00022
Average equity$12,346,188,00027
Average total loans$115,335,181,00011
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1779%4,476
Cost of funding earning assets0.4836%3,056
Net interest margin2.6944%4,385
Noninterest income to average assets0.4850%2,696
Noninterest expense to average assets1.8888%4,331
Loan and lease loss provision to assets0.1127%2,938
Net operating income to assets0.8260%2,992
Return on assets (ROA)0.8259%3,117
Pretax return on assets1.0353%2,928
Return on Equity (ROE)9.8748%2,050
Retained earnings to average equity (ytd only)8.0422%1,038
Net charge-offs to loans0.0024%3,311
Credit loss provision to net charge-offs5,989.8199%186
Earnings coverage of net charge-offs (x)619.7461%190
Efficiency ratio61.9947%3,134
Assets per employee ($millions)25.9898%55
Cash dividends to net income (ytd only)*18.5588%3,301
Condition Ratios (%)
Loss allowance to loans0.5640%4,744
Loan loss allowance to noncurrent loans344.8716%1,559
Noncurrent assets plus other real estate owned to assets0.1292%3,640
Noncurrent loans to loans0.1635%3,622
Net loans and leases to total assets78.5616%546
Net loans and leases to deposits97.4098%489
Net loans and leases to core deposits102.4328%793
Total domestic deposits to total assets80.6506%3,936
Equity capital to assets8.2459%4,602
Core capital (leverage) ratio8.1426%4,535
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5510%2,784
Memoranda:
Average total assets$128,842,071,00026
Average earning assets$122,033,329,20023
Average equity$10,776,411,00030
Average total loans$100,834,242,00014
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2334%4,553
Cost of funding earning assets0.5520%2,912
Net interest margin2.6814%4,488
Noninterest income to average assets0.4741%2,722
Noninterest expense to average assets1.8765%4,370
Loan and lease loss provision to assets0.1216%2,812
Net operating income to assets0.8172%3,029
Return on assets (ROA)0.8170%3,150
Pretax return on assets1.0149%3,014
Return on Equity (ROE)9.7292%2,121
Retained earnings to average equity (ytd only)7.8803%1,342
Net charge-offs to loans0.0041%3,015
Credit loss provision to net charge-offs3,793.2708%282
Earnings coverage of net charge-offs (x)357.9876%314
Efficiency ratio62.0612%3,070
Assets per employee ($millions)25.1654%57
Cash dividends to net income (ytd only)*19.0036%2,835
Condition Ratios (%)
Loss allowance to loans0.5771%4,754
Loan loss allowance to noncurrent loans366.1095%1,386
Noncurrent assets plus other real estate owned to assets0.1240%3,806
Noncurrent loans to loans0.1576%3,752
Net loans and leases to total assets78.2060%806
Net loans and leases to deposits99.7962%541
Net loans and leases to core deposits105.3261%872
Total domestic deposits to total assets78.3658%4,143
Equity capital to assets8.5153%4,455
Core capital (leverage) ratio8.3796%4,396
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9366%2,638
Memoranda:
Average total assets$125,427,055,25026
Average earning assets$118,764,738,00025
Average equity$10,532,852,25030
Average total loans$97,896,066,50014
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2872%4,660
Cost of funding earning assets0.6190%2,869
Net interest margin2.6681%4,588
Noninterest income to average assets0.4517%2,799
Noninterest expense to average assets1.8748%4,453
Loan and lease loss provision to assets0.1491%2,516
Net operating income to assets0.7687%3,164
Return on assets (ROA)0.7742%3,253
Pretax return on assets0.9610%3,146
Return on Equity (ROE)9.2661%2,261
Retained earnings to average equity (ytd only)7.3915%1,507
Net charge-offs to loans0.0027%2,901
Credit loss provision to net charge-offs6,989.8462%168
Earnings coverage of net charge-offs (x)521.2462%198
Efficiency ratio62.7163%3,004
Assets per employee ($millions)24.6881%53
Cash dividends to net income (ytd only)*20.2306%2,723
Condition Ratios (%)
Loss allowance to loans0.5821%4,761
Loan loss allowance to noncurrent loans346.1872%1,387
Noncurrent assets plus other real estate owned to assets0.1323%3,865
Noncurrent loans to loans0.1681%3,780
Net loans and leases to total assets77.7411%885
Net loans and leases to deposits101.2289%479
Net loans and leases to core deposits109.1369%767
Total domestic deposits to total assets76.7973%4,342
Equity capital to assets8.2429%4,614
Core capital (leverage) ratio8.1540%4,664
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4949%2,815
Memoranda:
Average total assets$122,827,483,33326
Average earning assets$116,307,756,00025
Average equity$10,262,266,66730
Average total loans$95,596,320,00015
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3803%4,751
Cost of funding earning assets0.7175%2,858
Net interest margin2.6628%4,697
Noninterest income to average assets0.5144%2,475
Noninterest expense to average assets1.9794%4,439
Loan and lease loss provision to assets0.1602%1,804
Net operating income to assets0.7214%3,196
Return on assets (ROA)0.7284%3,255
Pretax return on assets0.9053%3,126
Return on Equity (ROE)8.6562%2,257
Retained earnings to average equity (ytd only)6.8237%1,600
Net charge-offs to loans0.0009%2,568
Credit loss provision to net charge-offs23,603.4653%24
Earnings coverage of net charge-offs (x)1,570.5842%22
Efficiency ratio64.9445%3,096
Assets per employee ($millions)25.3249%44
Cash dividends to net income (ytd only)*21.1696%2,324
Condition Ratios (%)
Loss allowance to loans0.5666%4,809
Loan loss allowance to noncurrent loans432.0799%1,100
Noncurrent assets plus other real estate owned to assets0.1021%4,107
Noncurrent loans to loans0.1311%3,992
Net loans and leases to total assets76.7446%1,178
Net loans and leases to deposits101.5003%464
Net loans and leases to core deposits112.0935%750
Total domestic deposits to total assets75.6102%4,522
Equity capital to assets8.3604%4,876
Core capital (leverage) ratio8.4575%4,813
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6184%2,882
Memoranda:
Average total assets$120,089,281,50027
Average earning assets$113,727,971,50024
Average equity$10,105,436,00032
Average total loans$93,230,035,00018
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5597%4,812
Cost of funding earning assets0.8065%2,652
Net interest margin2.7532%4,788
Noninterest income to average assets0.5251%2,600
Noninterest expense to average assets2.0089%4,518
Loan and lease loss provision to assets0.0578%2,879
Net operating income to assets0.8737%3,305
Return on assets (ROA)0.8710%3,404
Pretax return on assets1.0610%3,296
Return on Equity (ROE)10.0629%2,270
Retained earnings to average equity (ytd only)8.1467%930
Net charge-offs to loans0.0056%3,476
Credit loss provision to net charge-offs1,331.2473%261
Earnings coverage of net charge-offs (x)258.6021%317
Efficiency ratio63.8098%3,096
Assets per employee ($millions)24.1612%48
Cash dividends to net income (ytd only)*19.0426%3,505
Condition Ratios (%)
Loss allowance to loans0.5462%4,827
Loan loss allowance to noncurrent loans346.4873%1,344
Noncurrent assets plus other real estate owned to assets0.1232%4,026
Noncurrent loans to loans0.1577%3,897
Net loans and leases to total assets77.6890%1,127
Net loans and leases to deposits100.2117%594
Net loans and leases to core deposits110.9292%802
Total domestic deposits to total assets77.5249%4,429
Equity capital to assets8.4731%4,920
Core capital (leverage) ratio8.3914%4,902
Tier 1 risk-based capital ratio11.2106%4,769
Total risk-based capital ratio12.7256%4,517
Memoranda:
Average total assets$106,808,887,40029
Average earning assets$101,091,230,20028
Average equity$9,245,143,40034
Average total loans$82,529,200,60021
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5833%4,893
Cost of funding earning assets0.8073%2,676
Net interest margin2.7760%4,875
Noninterest income to average assets0.5208%2,598
Noninterest expense to average assets2.0267%4,499
Loan and lease loss provision to assets0.0665%2,555
Net operating income to assets0.8752%3,429
Return on assets (ROA)0.8732%3,521
Pretax return on assets1.0521%3,441
Return on Equity (ROE)10.0287%2,416
Retained earnings to average equity (ytd only)8.0647%1,363
Net charge-offs to loans0.0094%3,032
Credit loss provision to net charge-offs915.1914%384
Earnings coverage of net charge-offs (x)154.2331%532
Efficiency ratio64.0069%3,004
Assets per employee ($millions)22.7518%48
Cash dividends to net income (ytd only)*19.5841%3,056
Condition Ratios (%)
Loss allowance to loans0.5623%4,877
Loan loss allowance to noncurrent loans354.5378%1,320
Noncurrent assets plus other real estate owned to assets0.1233%4,109
Noncurrent loans to loans0.1586%3,973
Net loans and leases to total assets77.3233%1,260
Net loans and leases to deposits100.1523%619
Net loans and leases to core deposits111.4672%873
Total domestic deposits to total assets77.2057%4,488
Equity capital to assets8.4944%5,006
Core capital (leverage) ratio8.4983%4,948
Tier 1 risk-based capital ratio11.0546%4,887
Total risk-based capital ratio12.6117%4,639
Memoranda:
Average total assets$104,445,200,75030
Average earning assets$98,836,198,00029
Average equity$9,093,652,50035
Average total loans$80,456,467,00022
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5997%4,931
Cost of funding earning assets0.7930%2,681
Net interest margin2.8067%4,924
Noninterest income to average assets0.5280%2,526
Noninterest expense to average assets2.0609%4,490
Loan and lease loss provision to assets0.0692%2,436
Net operating income to assets0.8805%3,356
Return on assets (ROA)0.8785%3,434
Pretax return on assets1.0517%3,379
Return on Equity (ROE)10.0022%2,386
Retained earnings to average equity (ytd only)8.0264%1,382
Net charge-offs to loans0.0034%3,039
Credit loss provision to net charge-offs2,616.4080%145
Earnings coverage of net charge-offs (x)424.4479%177
Efficiency ratio64.3251%3,081
Assets per employee ($millions)22.0208%46
Cash dividends to net income (ytd only)*19.7535%3,030
Condition Ratios (%)
Loss allowance to loans0.5752%4,917
Loan loss allowance to noncurrent loans326.2882%1,452
Noncurrent assets plus other real estate owned to assets0.1372%4,074
Noncurrent loans to loans0.1763%3,927
Net loans and leases to total assets77.3674%1,333
Net loans and leases to deposits98.0175%840
Net loans and leases to core deposits109.3707%1,008
Total domestic deposits to total assets78.9322%4,235
Equity capital to assets8.7225%4,941
Core capital (leverage) ratio8.6920%4,851
Tier 1 risk-based capital ratio11.3939%4,736
Total risk-based capital ratio13.0164%4,436
Memoranda:
Average total assets$102,250,689,33030
Average earning assets$96,766,450,67030
Average equity$8,981,134,67035
Average total loans$78,496,455,00023
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5748%4,983
Cost of funding earning assets0.7222%2,933
Net interest margin2.8526%4,935
Noninterest income to average assets0.5098%2,494
Noninterest expense to average assets2.0879%4,480
Loan and lease loss provision to assets0.0565%2,540
Net operating income to assets0.9021%3,227
Return on assets (ROA)0.9016%3,277
Pretax return on assets1.0678%3,248
Return on Equity (ROE)10.2277%2,268
Retained earnings to average equity (ytd only)8.2641%1,568
Net charge-offs to loans0.0007%2,733
Credit loss provision to net charge-offs11,181.1024%20
Earnings coverage of net charge-offs (x)2,225.9291%12
Efficiency ratio64.5695%3,149
Assets per employee ($millions)22.0831%45
Cash dividends to net income (ytd only)*19.1985%2,487
Condition Ratios (%)
Loss allowance to loans0.5864%4,957
Loan loss allowance to noncurrent loans887.0637%670
Noncurrent assets plus other real estate owned to assets0.0502%4,576
Noncurrent loans to loans0.0661%4,464
Net loans and leases to total assets75.4285%1,578
Net loans and leases to deposits94.1305%1,162
Net loans and leases to core deposits104.0366%1,315
Total domestic deposits to total assets80.1319%4,156
Equity capital to assets8.8819%4,762
Core capital (leverage) ratio8.8419%4,760
Tier 1 risk-based capital ratio11.8185%4,556
Total risk-based capital ratio13.5048%4,188
Memoranda:
Average total assets$100,526,216,00031
Average earning assets$95,252,701,00031
Average equity$8,861,880,50036
Average total loans$76,619,621,00025
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4414%4,972
Cost of funding earning assets0.5990%2,729
Net interest margin2.8424%4,981
Noninterest income to average assets0.5585%2,502
Noninterest expense to average assets2.0515%4,650
Loan and lease loss provision to assets0.0814%2,499
Net operating income to assets0.9093%3,405
Return on assets (ROA)0.9139%3,379
Pretax return on assets1.1257%3,185
Return on Equity (ROE)10.3431%2,372
Retained earnings to average equity (ytd only)8.2163%1,149
Net charge-offs to loans0.0043%3,570
Credit loss provision to net charge-offs2,556.8548%183
Earnings coverage of net charge-offs (x)377.2285%270
Efficiency ratio62.5292%3,429
Assets per employee ($millions)22.1440%43
Cash dividends to net income (ytd only)*20.5625%3,454
Condition Ratios (%)
Loss allowance to loans0.5780%5,011
Loan loss allowance to noncurrent loans944.9005%643
Noncurrent assets plus other real estate owned to assets0.0468%4,616
Noncurrent loans to loans0.0612%4,474
Net loans and leases to total assets76.1303%1,590
Net loans and leases to deposits95.5251%1,118
Net loans and leases to core deposits104.0433%1,410
Total domestic deposits to total assets79.6967%4,172
Equity capital to assets8.7473%4,767
Core capital (leverage) ratio8.6752%4,899
Tier 1 risk-based capital ratio11.6991%4,627
Total risk-based capital ratio13.4283%4,192
Memoranda:
Average total assets$93,430,980,20031
Average earning assets$88,570,375,80031
Average equity$8,255,055,20036
Average total loans$69,313,365,80025
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3889%5,047
Cost of funding earning assets0.5646%2,744
Net interest margin2.8243%5,061
Noninterest income to average assets0.5528%2,552
Noninterest expense to average assets2.0559%4,641
Loan and lease loss provision to assets0.0739%2,475
Net operating income to assets0.8945%3,560
Return on assets (ROA)0.9021%3,523
Pretax return on assets1.1083%3,366
Return on Equity (ROE)10.1831%2,544
Retained earnings to average equity (ytd only)8.0716%1,611
Net charge-offs to loans0.0022%3,410
Credit loss provision to net charge-offs4,594.8649%85
Earnings coverage of net charge-offs (x)728.9663%118
Efficiency ratio63.1100%3,317
Assets per employee ($millions)22.1415%42
Cash dividends to net income (ytd only)*20.7350%2,988
Condition Ratios (%)
Loss allowance to loans0.5727%5,083
Loan loss allowance to noncurrent loans976.6194%612
Noncurrent assets plus other real estate owned to assets0.0443%4,750
Noncurrent loans to loans0.0586%4,630
Net loans and leases to total assets75.1209%1,791
Net loans and leases to deposits96.5591%1,086
Net loans and leases to core deposits105.9309%1,315
Total domestic deposits to total assets77.7979%4,511
Equity capital to assets9.0189%4,529
Core capital (leverage) ratio8.9446%4,752
Tier 1 risk-based capital ratio12.1369%4,422
Total risk-based capital ratio13.9022%4,009
Memoranda:
Average total assets$91,987,424,25031
Average earning assets$87,155,613,75031
Average equity$8,149,374,75036
Average total loans$67,650,640,50025
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3348%5,109
Cost of funding earning assets0.5208%2,831
Net interest margin2.8140%5,104
Noninterest income to average assets0.5511%2,574
Noninterest expense to average assets2.0624%4,689
Loan and lease loss provision to assets0.0714%2,461
Net operating income to assets0.8876%3,507
Return on assets (ROA)0.9024%3,450
Pretax return on assets1.1001%3,314
Return on Equity (ROE)10.2512%2,452
Retained earnings to average equity (ytd only)8.1931%1,538
Net charge-offs to loans0.0028%3,095
Credit loss provision to net charge-offs3,499.4595%115
Earnings coverage of net charge-offs (x)565.0443%160
Efficiency ratio63.5356%3,380
Assets per employee ($millions)22.1243%42
Cash dividends to net income (ytd only)*20.0761%2,988
Condition Ratios (%)
Loss allowance to loans0.5743%5,149
Loan loss allowance to noncurrent loans780.3947%753
Noncurrent assets plus other real estate owned to assets0.0543%4,757
Noncurrent loans to loans0.0736%4,590
Net loans and leases to total assets73.3034%2,072
Net loans and leases to deposits94.5368%1,297
Net loans and leases to core deposits102.9458%1,493
Total domestic deposits to total assets77.5395%4,657
Equity capital to assets8.8182%4,706
Core capital (leverage) ratio8.8282%4,862
Tier 1 risk-based capital ratio11.8965%4,563
Total risk-based capital ratio13.6847%4,117
Memoranda:
Average total assets$90,618,491,67031
Average earning assets$85,815,090,67031
Average equity$7,976,937,33036
Average total loans$65,999,961,33025
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2847%5,157
Cost of funding earning assets0.4779%2,981
Net interest margin2.8068%5,152
Noninterest income to average assets0.5401%2,572
Noninterest expense to average assets2.0745%4,715
Loan and lease loss provision to assets0.0584%2,603
Net operating income to assets0.8613%3,453
Return on assets (ROA)0.8947%3,326
Pretax return on assets1.1068%3,147
Return on Equity (ROE)10.1736%2,344
Retained earnings to average equity (ytd only)8.1181%1,793
Net charge-offs to loans0.0010%2,700
Credit loss provision to net charge-offs8,441.5584%33
Earnings coverage of net charge-offs (x)1,623.9091%29
Efficiency ratio64.2309%3,440
Assets per employee ($millions)22.2225%44
Cash dividends to net income (ytd only)*20.2046%2,398
Condition Ratios (%)
Loss allowance to loans0.5750%5,228
Loan loss allowance to noncurrent loans774.6763%741
Noncurrent assets plus other real estate owned to assets0.0542%4,827
Noncurrent loans to loans0.0742%4,651
Net loans and leases to total assets72.5970%2,075
Net loans and leases to deposits91.9226%1,457
Net loans and leases to core deposits98.8508%1,779
Total domestic deposits to total assets78.9762%4,586
Equity capital to assets8.6857%4,829
Core capital (leverage) ratio8.6411%5,030
Tier 1 risk-based capital ratio11.8030%4,682
Total risk-based capital ratio13.6527%4,200
Memoranda:
Average total assets$89,002,007,50031
Average earning assets$84,294,717,00030
Average equity$7,827,419,50035
Average total loans$64,403,118,50025
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2380%5,148
Cost of funding earning assets0.3945%3,303
Net interest margin2.8435%5,115
Noninterest income to average assets0.5552%2,684
Noninterest expense to average assets2.0327%4,906
Loan and lease loss provision to assets0.0747%2,708
Net operating income to assets0.9412%2,487
Return on assets (ROA)0.9403%2,526
Pretax return on assets1.1322%3,052
Return on Equity (ROE)10.3778%1,734
Retained earnings to average equity (ytd only)8.1097%725
Net charge-offs to loans0.0011%4,086
Credit loss provision to net charge-offs9,301.5456%35
Earnings coverage of net charge-offs (x)1,504.1978%46
Efficiency ratio61.9363%3,950
Assets per employee ($millions)21.8088%43
Cash dividends to net income (ytd only)*21.8553%3,618
Condition Ratios (%)
Loss allowance to loans0.5815%5,275
Loan loss allowance to noncurrent loans971.7761%640
Noncurrent assets plus other real estate owned to assets0.0429%4,921
Noncurrent loans to loans0.0598%4,726
Net loans and leases to total assets71.2709%2,340
Net loans and leases to deposits90.7765%1,681
Net loans and leases to core deposits95.6713%2,058
Total domestic deposits to total assets78.5125%4,639
Equity capital to assets8.9066%4,811
Core capital (leverage) ratio8.8534%4,805
Tier 1 risk-based capital ratio12.2153%4,391
Total risk-based capital ratio14.1111%3,891
Memoranda:
Average total assets$80,572,191,40032
Average earning assets$76,090,096,20032
Average equity$7,300,745,40037
Average total loans$57,521,059,60027
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2239%5,205
Cost of funding earning assets0.3698%3,465
Net interest margin2.8541%5,151
Noninterest income to average assets0.5435%2,759
Noninterest expense to average assets2.0196%4,912
Loan and lease loss provision to assets0.0730%2,609
Net operating income to assets0.9548%2,750
Return on assets (ROA)0.9536%2,822
Pretax return on assets1.1436%3,140
Return on Equity (ROE)10.4744%1,917
Retained earnings to average equity (ytd only)8.1782%1,148
Net charge-offs to loans0.0042%3,581
Credit loss provision to net charge-offs2,434.4808%176
Earnings coverage of net charge-offs (x)406.0950%236
Efficiency ratio61.5492%3,948
Assets per employee ($millions)21.4065%43
Cash dividends to net income (ytd only)*21.9222%3,066
Condition Ratios (%)
Loss allowance to loans0.5778%5,364
Loan loss allowance to noncurrent loans917.0534%635
Noncurrent assets plus other real estate owned to assets0.0450%5,008
Noncurrent loans to loans0.0630%4,830
Net loans and leases to total assets70.9691%2,415
Net loans and leases to deposits91.4496%1,632
Net loans and leases to core deposits96.7559%2,001
Total domestic deposits to total assets77.6047%4,786
Equity capital to assets8.8092%5,075
Core capital (leverage) ratio8.7782%4,992
Tier 1 risk-based capital ratio12.2722%4,454
Total risk-based capital ratio14.2338%3,928
Memoranda:
Average total assets$78,770,112,50034
Average earning assets$74,356,160,00032
Average equity$7,171,356,50037
Average total loans$56,169,347,00027
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1909%5,253
Cost of funding earning assets0.3308%3,783
Net interest margin2.8601%5,154
Noninterest income to average assets0.5376%2,779
Noninterest expense to average assets2.0165%4,942
Loan and lease loss provision to assets0.0859%2,269
Net operating income to assets0.9493%2,664
Return on assets (ROA)0.9448%2,750
Pretax return on assets1.1280%3,060
Return on Equity (ROE)10.2564%1,933
Retained earnings to average equity (ytd only)7.9455%1,188
Net charge-offs to loans0.0041%3,346
Credit loss provision to net charge-offs2,956.6697%148
Earnings coverage of net charge-offs (x)419.7654%202
Efficiency ratio61.4487%4,095
Assets per employee ($millions)20.8653%44
Cash dividends to net income (ytd only)*22.5313%3,023
Condition Ratios (%)
Loss allowance to loans0.5837%5,404
Loan loss allowance to noncurrent loans779.7967%701
Noncurrent assets plus other real estate owned to assets0.0560%4,991
Noncurrent loans to loans0.0748%4,831
Net loans and leases to total assets71.1600%2,344
Net loans and leases to deposits91.0424%1,603
Net loans and leases to core deposits95.1750%2,058
Total domestic deposits to total assets78.1614%4,785
Equity capital to assets8.9655%4,937
Core capital (leverage) ratio8.9901%4,737
Tier 1 risk-based capital ratio12.4887%4,311
Total risk-based capital ratio14.5121%3,744
Memoranda:
Average total assets$76,920,118,00034
Average earning assets$72,560,194,33033
Average equity$7,085,826,67037
Average total loans$54,829,464,00027
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1465%5,312
Cost of funding earning assets0.2991%4,053
Net interest margin2.8473%5,171
Noninterest income to average assets0.5330%2,751
Noninterest expense to average assets2.0213%5,001
Loan and lease loss provision to assets0.0485%2,841
Net operating income to assets0.9505%2,525
Return on assets (ROA)0.9442%2,605
Pretax return on assets1.1404%2,821
Return on Equity (ROE)10.1032%1,923
Retained earnings to average equity (ytd only)7.7979%1,544
Net charge-offs to loans0.0038%2,842
Credit loss provision to net charge-offs1,788.9764%188
Earnings coverage of net charge-offs (x)441.0236%129
Efficiency ratio61.8896%4,165
Assets per employee ($millions)20.5934%43
Cash dividends to net income (ytd only)*22.8178%2,472
Condition Ratios (%)
Loss allowance to loans0.5821%5,512
Loan loss allowance to noncurrent loans609.3125%906
Noncurrent assets plus other real estate owned to assets0.0676%5,004
Noncurrent loans to loans0.0955%4,808
Net loans and leases to total assets70.3168%2,320
Net loans and leases to deposits87.8906%1,817
Net loans and leases to core deposits91.5604%2,212
Total domestic deposits to total assets80.0049%4,617
Equity capital to assets9.2658%4,544
Core capital (leverage) ratio9.2210%4,452
Tier 1 risk-based capital ratio12.9369%4,116
Total risk-based capital ratio15.0400%3,517
Memoranda:
Average total assets$74,891,061,50034
Average earning assets$70,618,411,00034
Average equity$6,998,698,50037
Average total loans$53,262,984,50027
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2424%5,248
Cost of funding earning assets0.2666%4,400
Net interest margin2.9758%5,007
Noninterest income to average assets0.5852%2,737
Noninterest expense to average assets2.0429%5,107
Loan and lease loss provision to assets0.0721%2,914
Net operating income to assets1.0281%2,233
Return on assets (ROA)1.0294%2,328
Pretax return on assets1.2651%2,418
Return on Equity (ROE)10.7406%1,676
Retained earnings to average equity (ytd only)8.1322%809
Net charge-offs to loans0.0039%4,116
Credit loss provision to net charge-offs2,548.1641%164
Earnings coverage of net charge-offs (x)471.7781%175
Efficiency ratio59.3352%4,684
Assets per employee ($millions)20.5490%44
Cash dividends to net income (ytd only)*24.2847%3,556
Condition Ratios (%)
Loss allowance to loans0.5846%5,557
Loan loss allowance to noncurrent loans625.0469%891
Noncurrent assets plus other real estate owned to assets0.0669%5,061
Noncurrent loans to loans0.0935%4,865
Net loans and leases to total assets71.1118%2,320
Net loans and leases to deposits88.9198%1,815
Net loans and leases to core deposits92.5302%2,245
Total domestic deposits to total assets79.9729%4,580
Equity capital to assets9.4280%4,349
Core capital (leverage) ratio9.3691%4,259
Tier 1 risk-based capital ratio13.0683%4,022
Total risk-based capital ratio14.4603%3,867
Memoranda:
Average total assets$65,416,995,40036
Average earning assets$61,406,164,40036
Average equity$6,269,954,20040
Average total loans$48,081,183,00031
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2512%5,276
Cost of funding earning assets0.2616%4,488
Net interest margin2.9896%5,032
Noninterest income to average assets0.5787%2,773
Noninterest expense to average assets2.0517%5,104
Loan and lease loss provision to assets0.0771%2,684
Net operating income to assets1.0345%2,270
Return on assets (ROA)1.0387%2,374
Pretax return on assets1.2583%2,584
Return on Equity (ROE)10.7861%1,753
Retained earnings to average equity (ytd only)8.1313%1,120
Net charge-offs to loans0.0047%3,751
Credit loss provision to net charge-offs2,230.5167%219
Earnings coverage of net charge-offs (x)384.8538%233
Efficiency ratio59.4747%4,618
Assets per employee ($millions)19.8812%47
Cash dividends to net income (ytd only)*24.6133%3,042
Condition Ratios (%)
Loss allowance to loans0.5878%5,625
Loan loss allowance to noncurrent loans530.2550%1,002
Noncurrent assets plus other real estate owned to assets0.0839%5,105
Noncurrent loans to loans0.1109%4,897
Net loans and leases to total assets73.6496%1,932
Net loans and leases to deposits90.9471%1,641
Net loans and leases to core deposits94.6764%2,133
Total domestic deposits to total assets80.9808%4,255
Equity capital to assets9.4781%4,681
Core capital (leverage) ratio9.2578%4,521
Tier 1 risk-based capital ratio12.8838%4,230
Total risk-based capital ratio14.3329%4,021
Memoranda:
Average total assets$63,451,801,25036
Average earning assets$59,499,133,50036
Average equity$6,110,279,75040
Average total loans$46,997,593,00031
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2533%5,359
Cost of funding earning assets0.2517%4,644
Net interest margin3.0016%5,079
Noninterest income to average assets0.5816%2,714
Noninterest expense to average assets2.0623%5,140
Loan and lease loss provision to assets0.0604%2,933
Net operating income to assets1.0333%2,238
Return on assets (ROA)1.0413%2,340
Pretax return on assets1.2809%2,483
Return on Equity (ROE)10.7518%1,736
Retained earnings to average equity (ytd only)8.0902%1,146
Net charge-offs to loans0.0044%3,550
Credit loss provision to net charge-offs1,834.3474%222
Earnings coverage of net charge-offs (x)404.5957%172
Efficiency ratio59.5288%4,705
Assets per employee ($millions)19.3281%46
Cash dividends to net income (ytd only)*24.7544%3,035
Condition Ratios (%)
Loss allowance to loans0.5801%5,708
Loan loss allowance to noncurrent loans477.2464%1,110
Noncurrent assets plus other real estate owned to assets0.0921%5,150
Noncurrent loans to loans0.1216%4,962
Net loans and leases to total assets73.7956%1,880
Net loans and leases to deposits93.3671%1,361
Net loans and leases to core deposits96.9088%1,898
Total domestic deposits to total assets79.0381%4,777
Equity capital to assets9.7424%4,517
Core capital (leverage) ratio9.5832%4,089
Tier 1 risk-based capital ratio13.2264%4,064
Total risk-based capital ratio13.8618%4,345
Memoranda:
Average total assets$61,937,886,00037
Average earning assets$58,024,027,67036
Average equity$5,998,873,67040
Average total loans$45,872,422,00032
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2585%5,402
Cost of funding earning assets0.2485%4,724
Net interest margin3.0100%5,100
Noninterest income to average assets0.5913%2,585
Noninterest expense to average assets2.1089%5,102
Loan and lease loss provision to assets0.0297%3,263
Net operating income to assets0.9671%2,424
Return on assets (ROA)0.9836%2,469
Pretax return on assets1.2942%2,334
Return on Equity (ROE)10.1872%1,912
Retained earnings to average equity (ytd only)7.5425%1,649
Net charge-offs to loans-0.0003%4,061
Credit loss provision to net charge-offs-15,489.6552%5,096
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.5336%4,673
Assets per employee ($millions)19.3466%49
Cash dividends to net income (ytd only)*25.9609%2,451
Condition Ratios (%)
Loss allowance to loans0.5845%5,763
Loan loss allowance to noncurrent loans425.6619%1,202
Noncurrent assets plus other real estate owned to assets0.1027%5,165
Noncurrent loans to loans0.1373%4,926
Net loans and leases to total assets72.7393%1,912
Net loans and leases to deposits88.6869%1,736
Net loans and leases to core deposits91.8790%2,196
Total domestic deposits to total assets82.0180%4,219
Equity capital to assets9.6368%4,520
Core capital (leverage) ratio9.3834%4,375
Tier 1 risk-based capital ratio13.2396%4,126
Total risk-based capital ratio13.8826%4,410
Memoranda:
Average total assets$60,541,897,50037
Average earning assets$56,717,392,50036
Average equity$5,845,204,00040
Average total loans$44,785,374,50032
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3501%5,256
Cost of funding earning assets0.2953%4,306
Net interest margin3.0548%5,016
Noninterest income to average assets0.5912%2,766
Noninterest expense to average assets2.0525%5,346
Loan and lease loss provision to assets0.1039%2,249
Net operating income to assets0.9770%2,479
Return on assets (ROA)0.9782%2,552
Pretax return on assets1.2939%2,314
Return on Equity (ROE)9.9614%2,027
Retained earnings to average equity (ytd only)7.2263%1,189
Net charge-offs to loans0.0042%4,302
Credit loss provision to net charge-offs3,217.5856%120
Earnings coverage of net charge-offs (x)432.5514%152
Efficiency ratio58.3330%5,107
Assets per employee ($millions)18.8439%55
Cash dividends to net income (ytd only)*27.4567%3,471
Condition Ratios (%)
Loss allowance to loans0.5915%5,806
Loan loss allowance to noncurrent loans335.7918%1,475
Noncurrent assets plus other real estate owned to assets0.1318%5,068
Noncurrent loans to loans0.1762%4,785
Net loans and leases to total assets74.3815%1,662
Net loans and leases to deposits91.6016%1,440
Net loans and leases to core deposits96.6629%1,782
Total domestic deposits to total assets81.2011%4,427
Equity capital to assets9.6737%4,338
Core capital (leverage) ratio9.2138%4,589
Tier 1 risk-based capital ratio13.1256%4,220
Total risk-based capital ratio13.7794%4,510
Memoranda:
Average total assets$53,378,974,00039
Average earning assets$49,931,571,00038
Average equity$5,241,677,40041
Average total loans$41,002,676,40032
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3709%5,272
Cost of funding earning assets0.3042%4,289
Net interest margin3.0668%5,041
Noninterest income to average assets0.5827%2,834
Noninterest expense to average assets2.0384%5,403
Loan and lease loss provision to assets0.1113%2,027
Net operating income to assets0.9776%2,587
Return on assets (ROA)0.9801%2,649
Pretax return on assets1.3051%2,381
Return on Equity (ROE)9.9392%2,128
Retained earnings to average equity (ytd only)7.1724%1,611
Net charge-offs to loans0.0011%4,151
Credit loss provision to net charge-offs13,229.8780%32
Earnings coverage of net charge-offs (x)1,679.4147%37
Efficiency ratio57.9592%5,128
Assets per employee ($millions)18.8543%53
Cash dividends to net income (ytd only)*27.8373%2,916
Condition Ratios (%)
Loss allowance to loans0.5878%5,915
Loan loss allowance to noncurrent loans475.2928%1,067
Noncurrent assets plus other real estate owned to assets0.0997%5,348
Noncurrent loans to loans0.1237%5,135
Net loans and leases to total assets76.4812%1,319
Net loans and leases to deposits95.5093%1,052
Net loans and leases to core deposits100.0681%1,511
Total domestic deposits to total assets80.0772%4,729
Equity capital to assets9.7231%4,488
Core capital (leverage) ratio9.3782%4,471
Tier 1 risk-based capital ratio13.2071%4,315
Total risk-based capital ratio13.8715%4,575
Memoranda:
Average total assets$51,978,396,25038
Average earning assets$48,621,565,75037
Average equity$5,125,676,00040
Average total loans$40,220,283,00032
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3742%5,285
Cost of funding earning assets0.3107%4,271
Net interest margin3.0635%5,062
Noninterest income to average assets0.5881%2,808
Noninterest expense to average assets2.0406%5,453
Loan and lease loss provision to assets0.1136%1,939
Net operating income to assets0.9684%2,543
Return on assets (ROA)0.9726%2,634
Pretax return on assets1.3002%2,361
Return on Equity (ROE)9.8127%2,153
Retained earnings to average equity (ytd only)7.0594%1,675
Net charge-offs to loans0.0019%3,836
Credit loss provision to net charge-offs7,893.9891%65
Earnings coverage of net charge-offs (x)978.2459%59
Efficiency ratio58.0152%5,220
Assets per employee ($millions)19.4716%50
Cash dividends to net income (ytd only)*28.0591%2,885
Condition Ratios (%)
Loss allowance to loans0.5735%6,011
Loan loss allowance to noncurrent loans406.7391%1,243
Noncurrent assets plus other real estate owned to assets0.1092%5,424
Noncurrent loans to loans0.1410%5,186
Net loans and leases to total assets76.9840%1,224
Net loans and leases to deposits97.6252%824
Net loans and leases to core deposits102.1238%1,321
Total domestic deposits to total assets78.8567%5,123
Equity capital to assets9.9119%4,136
Core capital (leverage) ratio9.8636%3,783
Tier 1 risk-based capital ratio13.4719%4,238
Total risk-based capital ratio14.1251%4,501
Memoranda:
Average total assets$50,846,121,67038
Average earning assets$47,482,279,33038
Average equity$5,039,510,00040
Average total loans$39,426,364,33033
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3380%5,353
Cost of funding earning assets0.3183%4,244
Net interest margin3.0197%5,156
Noninterest income to average assets0.5849%2,737
Noninterest expense to average assets2.0573%5,476
Loan and lease loss provision to assets0.0957%2,090
Net operating income to assets0.9309%2,605
Return on assets (ROA)0.9327%2,723
Pretax return on assets1.2503%2,464
Return on Equity (ROE)9.4109%2,262
Retained earnings to average equity (ytd only)6.6955%2,149
Net charge-offs to loans0.0001%3,287
Credit loss provision to net charge-offs91,438.4615%2
Earnings coverage of net charge-offs (x)12,843.4615%2
Efficiency ratio59.2748%5,184
Assets per employee ($millions)19.8393%49
Cash dividends to net income (ytd only)*28.8538%2,373
Condition Ratios (%)
Loss allowance to loans0.5611%6,105
Loan loss allowance to noncurrent loans438.1516%1,124
Noncurrent assets plus other real estate owned to assets0.0980%5,556
Noncurrent loans to loans0.1281%5,314
Net loans and leases to total assets76.0800%1,195
Net loans and leases to deposits97.2763%745
Net loans and leases to core deposits101.7563%1,196
Total domestic deposits to total assets78.2102%5,409
Equity capital to assets9.9380%4,215
Core capital (leverage) ratio9.8979%3,752
Tier 1 risk-based capital ratio13.7258%4,203
Total risk-based capital ratio14.3710%4,461
Memoranda:
Average total assets$49,709,895,00038
Average earning assets$46,356,244,50038
Average equity$4,926,732,00041
Average total loans$38,575,199,50033
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5073%5,296
Cost of funding earning assets0.3584%4,158
Net interest margin3.1489%5,075
Noninterest income to average assets0.6358%2,639
Noninterest expense to average assets2.0260%5,721
Loan and lease loss provision to assets0.1240%2,112
Net operating income to assets1.0343%2,243
Return on assets (ROA)1.0693%2,142
Pretax return on assets1.4708%1,654
Return on Equity (ROE)10.7231%1,807
Retained earnings to average equity (ytd only)7.8600%1,068
Net charge-offs to loans0.0059%4,812
Credit loss provision to net charge-offs2,628.4784%118
Earnings coverage of net charge-offs (x)327.8418%169
Efficiency ratio55.3072%5,736
Assets per employee ($millions)19.2950%50
Cash dividends to net income (ytd only)*26.7001%3,522
Condition Ratios (%)
Loss allowance to loans0.5445%6,209
Loan loss allowance to noncurrent loans411.8668%1,240
Noncurrent assets plus other real estate owned to assets0.1041%5,617
Noncurrent loans to loans0.1322%5,367
Net loans and leases to total assets78.3244%959
Net loans and leases to deposits101.9971%512
Net loans and leases to core deposits106.9659%956
Total domestic deposits to total assets76.7908%5,631
Equity capital to assets9.8824%4,256
Core capital (leverage) ratio9.4311%4,337
Tier 1 risk-based capital ratio13.5475%4,386
Total risk-based capital ratio14.2002%4,669
Memoranda:
Average total assets$45,544,450,60038
Average earning assets$42,482,044,00037
Average equity$4,541,656,60043
Average total loans$36,123,543,00031
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5342%5,311
Cost of funding earning assets0.3636%4,199
Net interest margin3.1706%5,055
Noninterest income to average assets0.6395%2,629
Noninterest expense to average assets2.0177%5,740
Loan and lease loss provision to assets0.1261%1,982
Net operating income to assets1.0561%2,209
Return on assets (ROA)1.1047%2,071
Pretax return on assets1.5206%1,580
Return on Equity (ROE)11.0516%1,772
Retained earnings to average equity (ytd only)8.1784%1,277
Net charge-offs to loans0.0014%4,665
Credit loss provision to net charge-offs11,587.4317%30
Earnings coverage of net charge-offs (x)1,451.9771%42
Efficiency ratio54.6453%5,762
Assets per employee ($millions)19.1159%53
Cash dividends to net income (ytd only)*25.9986%2,973
Condition Ratios (%)
Loss allowance to loans0.5291%6,304
Loan loss allowance to noncurrent loans388.7064%1,223
Noncurrent assets plus other real estate owned to assets0.1075%5,734
Noncurrent loans to loans0.1361%5,519
Net loans and leases to total assets78.5541%889
Net loans and leases to deposits102.9836%452
Net loans and leases to core deposits106.7525%912
Total domestic deposits to total assets76.2783%5,778
Equity capital to assets10.0377%4,120
Core capital (leverage) ratio9.5074%4,358
Tier 1 risk-based capital ratio13.8309%4,334
Total risk-based capital ratio14.4725%4,653
Memoranda:
Average total assets$44,842,230,75040
Average earning assets$41,840,001,00038
Average equity$4,482,454,00044
Average total loans$35,634,474,50032
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5386%5,314
Cost of funding earning assets0.3569%4,353
Net interest margin3.1817%5,003
Noninterest income to average assets0.6143%2,743
Noninterest expense to average assets1.9906%5,854
Loan and lease loss provision to assets0.1307%1,889
Net operating income to assets1.0689%2,040
Return on assets (ROA)1.0651%2,136
Pretax return on assets1.4590%1,679
Return on Equity (ROE)10.6705%1,856
Retained earnings to average equity (ytd only)7.8075%1,391
Net charge-offs to loans0.0033%4,275
Credit loss provision to net charge-offs4,905.7725%75
Earnings coverage of net charge-offs (x)598.8506%120
Efficiency ratio54.0296%5,909
Assets per employee ($millions)19.0558%50
Cash dividends to net income (ytd only)*26.8311%2,917
Condition Ratios (%)
Loss allowance to loans0.4966%6,416
Loan loss allowance to noncurrent loans382.7307%1,205
Noncurrent assets plus other real estate owned to assets0.1128%5,820
Noncurrent loans to loans0.1297%5,620
Net loans and leases to total assets78.5884%841
Net loans and leases to deposits103.7005%373
Net loans and leases to core deposits107.4121%804
Total domestic deposits to total assets75.7841%5,935
Equity capital to assets9.9289%4,204
Core capital (leverage) ratio9.7265%4,003
Tier 1 risk-based capital ratio13.7386%4,422
Total risk-based capital ratio14.3466%4,786
Memoranda:
Average total assets$44,229,334,33040
Average earning assets$41,304,379,67038
Average equity$4,414,713,67045
Average total loans$35,224,353,33031
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5552%5,285
Cost of funding earning assets0.3625%4,414
Net interest margin3.1928%4,943
Noninterest income to average assets0.5490%3,053
Noninterest expense to average assets2.0124%5,861
Loan and lease loss provision to assets0.0656%2,812
Net operating income to assets1.0620%1,962
Return on assets (ROA)1.0614%2,035
Pretax return on assets1.4539%1,571
Return on Equity (ROE)10.6035%1,820
Retained earnings to average equity (ytd only)7.8364%1,668
Net charge-offs to loans0.0053%3,555
Credit loss provision to net charge-offs1,545.7516%210
Earnings coverage of net charge-offs (x)357.9847%133
Efficiency ratio55.3912%5,887
Assets per employee ($millions)18.5470%53
Cash dividends to net income (ytd only)*26.0959%2,392
Condition Ratios (%)
Loss allowance to loans0.4548%6,532
Loan loss allowance to noncurrent loans306.3597%1,461
Noncurrent assets plus other real estate owned to assets0.1247%5,873
Noncurrent loans to loans0.1485%5,643
Net loans and leases to total assets78.7939%677
Net loans and leases to deposits104.0930%288
Net loans and leases to core deposits108.0613%670
Total domestic deposits to total assets75.6957%6,100
Equity capital to assets10.1340%3,678
Core capital (leverage) ratio9.8502%3,786
Tier 1 risk-based capital ratio14.0714%4,283
Total risk-based capital ratio14.6357%4,705
Memoranda:
Average total assets$43,229,330,00041
Average earning assets$40,399,644,00039
Average equity$4,327,041,00045
Average total loans$34,580,415,50031
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8558%4,621
Cost of funding earning assets0.3732%4,911
Net interest margin3.4826%3,976
Noninterest income to average assets0.6260%2,941
Noninterest expense to average assets2.0227%5,985
Loan and lease loss provision to assets0.0974%3,179
Net operating income to assets1.2160%1,501
Return on assets (ROA)1.2170%1,572
Pretax return on assets1.7476%854
Return on Equity (ROE)12.3269%1,320
Retained earnings to average equity (ytd only)9.9663%566
Net charge-offs to loans0.0451%4,587
Credit loss provision to net charge-offs266.8664%848
Earnings coverage of net charge-offs (x)50.5304%786
Efficiency ratio50.5349%6,379
Assets per employee ($millions)17.6352%57
Cash dividends to net income (ytd only)*19.1497%3,746
Condition Ratios (%)
Loss allowance to loans0.4492%6,609
Loan loss allowance to noncurrent loans280.7843%1,576
Noncurrent assets plus other real estate owned to assets0.1370%5,912
Noncurrent loans to loans0.1600%5,714
Net loans and leases to total assets80.5131%541
Net loans and leases to deposits105.6840%268
Net loans and leases to core deposits110.3141%598
Total domestic deposits to total assets76.1829%6,080
Equity capital to assets9.8784%3,929
Core capital (leverage) ratio9.1912%4,735
Tier 1 risk-based capital ratio13.3414%4,755
Total risk-based capital ratio13.8944%5,157
Memoranda:
Average total assets$37,969,381,00042
Average earning assets$35,327,703,20043
Average equity$3,748,483,40048
Average total loans$30,721,789,80031
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9111%4,460
Cost of funding earning assets0.3619%5,177
Net interest margin3.5491%3,659
Noninterest income to average assets0.6594%2,830
Noninterest expense to average assets2.1704%5,682
Loan and lease loss provision to assets0.1052%3,000
Net operating income to assets1.2537%1,475
Return on assets (ROA)1.2563%1,535
Pretax return on assets1.6863%1,130
Return on Equity (ROE)12.7277%1,308
Retained earnings to average equity (ytd only)10.5449%676
Net charge-offs to loans0.0586%4,067
Credit loss provision to net charge-offs222.0242%1,100
Earnings coverage of net charge-offs (x)37.7206%1,050
Efficiency ratio53.0119%6,180
Assets per employee ($millions)17.6436%62
Cash dividends to net income (ytd only)*17.1504%3,202
Condition Ratios (%)
Loss allowance to loans0.4493%6,691
Loan loss allowance to noncurrent loans281.4280%1,454
Noncurrent assets plus other real estate owned to assets0.1348%6,042
Noncurrent loans to loans0.1597%5,836
Net loans and leases to total assets78.9445%654
Net loans and leases to deposits103.3174%320
Net loans and leases to core deposits108.0331%665
Total domestic deposits to total assets76.4096%6,122
Equity capital to assets9.4718%4,587
Core capital (leverage) ratio9.1761%4,869
Tier 1 risk-based capital ratio13.0599%5,086
Total risk-based capital ratio13.6195%5,471
Memoranda:
Average total assets$36,933,535,50044
Average earning assets$34,331,209,25043
Average equity$3,645,592,50049
Average total loans$29,887,410,50033
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9932%4,136
Cost of funding earning assets0.3351%5,522
Net interest margin3.6581%3,144
Noninterest income to average assets0.7315%2,496
Noninterest expense to average assets2.2339%5,543
Loan and lease loss provision to assets0.1075%2,999
Net operating income to assets1.3206%1,270
Return on assets (ROA)1.3262%1,336
Pretax return on assets1.7922%947
Return on Equity (ROE)13.2307%1,185
Retained earnings to average equity (ytd only)11.3606%587
Net charge-offs to loans0.0049%4,808
Credit loss provision to net charge-offs2,683.1697%126
Earnings coverage of net charge-offs (x)472.2931%100
Efficiency ratio52.3035%6,265
Assets per employee ($millions)16.5320%67
Cash dividends to net income (ytd only)*14.1348%3,200
Condition Ratios (%)
Loss allowance to loans0.4863%6,716
Loan loss allowance to noncurrent loans236.0674%1,722
Noncurrent assets plus other real estate owned to assets0.1684%5,995
Noncurrent loans to loans0.2060%5,795
Net loans and leases to total assets81.3331%403
Net loans and leases to deposits107.5064%191
Net loans and leases to core deposits111.7868%488
Total domestic deposits to total assets75.6542%6,285
Equity capital to assets10.1497%3,727
Core capital (leverage) ratio9.8284%3,756
Tier 1 risk-based capital ratio13.5208%4,753
Total risk-based capital ratio14.1230%5,175
Memoranda:
Average total assets$35,594,440,67044
Average earning assets$33,029,991,33043
Average equity$3,567,857,67050
Average total loans$29,025,109,67034
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0369%3,965
Cost of funding earning assets0.3191%5,811
Net interest margin3.7178%2,785
Noninterest income to average assets0.8164%2,067
Noninterest expense to average assets2.2736%5,492
Loan and lease loss provision to assets0.0746%3,385
Net operating income to assets1.4085%1,009
Return on assets (ROA)1.4085%1,095
Pretax return on assets1.9163%711
Return on Equity (ROE)14.1469%937
Retained earnings to average equity (ytd only)13.2475%523
Net charge-offs to loans0.0038%4,090
Credit loss provision to net charge-offs2,426.2172%133
Earnings coverage of net charge-offs (x)647.5019%50
Efficiency ratio51.4635%6,413
Assets per employee ($millions)16.1375%75
Cash dividends to net income (ytd only)*6.3577%2,548
Condition Ratios (%)
Loss allowance to loans0.4794%6,804
Loan loss allowance to noncurrent loans243.7670%1,601
Noncurrent assets plus other real estate owned to assets0.1591%6,093
Noncurrent loans to loans0.1967%5,910
Net loans and leases to total assets80.5291%382
Net loans and leases to deposits105.2091%206
Net loans and leases to core deposits108.4351%550
Total domestic deposits to total assets76.5419%6,301
Equity capital to assets10.0274%4,116
Core capital (leverage) ratio9.3540%4,316
Tier 1 risk-based capital ratio13.5232%4,852
Total risk-based capital ratio14.1274%5,258
Memoranda:
Average total assets$34,735,290,50044
Average earning assets$32,214,699,50043
Average equity$3,458,225,00050
Average total loans$28,289,710,00035
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4816%3,480
Cost of funding earning assets0.3960%5,946
Net interest margin4.0856%2,057
Noninterest income to average assets0.5163%3,799
Noninterest expense to average assets2.2369%5,844
Loan and lease loss provision to assets0.2040%3,105
Net operating income to assets1.2979%1,307
Return on assets (ROA)1.2944%1,473
Pretax return on assets1.8620%806
Return on Equity (ROE)13.4588%1,112
Retained earnings to average equity (ytd only)11.5136%373
Net charge-offs to loans0.0066%5,868
Credit loss provision to net charge-offs3,821.4458%62
Earnings coverage of net charge-offs (x)387.4940%105
Efficiency ratio50.4223%6,564
Assets per employee ($millions)16.2975%78
Cash dividends to net income (ytd only)*14.4532%3,937
Condition Ratios (%)
Loss allowance to loans0.4607%6,863
Loan loss allowance to noncurrent loans264.2545%1,452
Noncurrent assets plus other real estate owned to assets0.1429%6,209
Noncurrent loans to loans0.1744%6,041
Net loans and leases to total assets81.6034%351
Net loans and leases to deposits103.5929%276
Net loans and leases to core deposits106.8584%655
Total domestic deposits to total assets78.7731%5,940
Equity capital to assets9.8830%4,334
Core capital (leverage) ratio9.3219%4,375
Tier 1 risk-based capital ratio13.2719%4,922
Total risk-based capital ratio13.8629%5,338
Memoranda:
Average total assets$31,092,327,20047
Average earning assets$28,838,245,80045
Average equity$2,990,398,80053
Average total loans$25,198,693,40037
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5701%3,333
Cost of funding earning assets0.4176%6,005
Net interest margin4.1526%1,892
Noninterest income to average assets0.4805%4,061
Noninterest expense to average assets2.2672%5,783
Loan and lease loss provision to assets0.2036%3,042
Net operating income to assets1.2939%1,456
Return on assets (ROA)1.2878%1,615
Pretax return on assets1.8560%951
Return on Equity (ROE)13.4957%1,223
Retained earnings to average equity (ytd only)12.3272%481
Net charge-offs to loans0.0073%5,631
Credit loss provision to net charge-offs3,437.3234%83
Earnings coverage of net charge-offs (x)348.6161%128
Efficiency ratio50.7478%6,532
Assets per employee ($millions)15.7830%77
Cash dividends to net income (ytd only)*8.6581%3,478
Condition Ratios (%)
Loss allowance to loans0.4258%6,994
Loan loss allowance to noncurrent loans283.4780%1,302
Noncurrent assets plus other real estate owned to assets0.1305%6,389
Noncurrent loans to loans0.1502%6,233
Net loans and leases to total assets81.1142%421
Net loans and leases to deposits102.8004%316
Net loans and leases to core deposits106.5901%710
Total domestic deposits to total assets78.9045%5,894
Equity capital to assets9.7077%4,912
Core capital (leverage) ratio9.3315%4,527
Tier 1 risk-based capital ratio13.5681%4,840
Total risk-based capital ratio14.1181%5,319
Memoranda:
Average total assets$30,268,489,75048
Average earning assets$28,078,145,25047
Average equity$2,888,362,50054
Average total loans$24,450,519,25038
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6383%3,193
Cost of funding earning assets0.4348%6,071
Net interest margin4.2036%1,740
Noninterest income to average assets0.4504%4,282
Noninterest expense to average assets2.2800%5,793
Loan and lease loss provision to assets0.2015%3,062
Net operating income to assets1.2953%1,455
Return on assets (ROA)1.2859%1,634
Pretax return on assets1.8548%929
Return on Equity (ROE)13.5620%1,216
Retained earnings to average equity (ytd only)13.0942%429
Net charge-offs to loans0.0067%5,394
Credit loss provision to net charge-offs3,758.1542%74
Earnings coverage of net charge-offs (x)385.1062%108
Efficiency ratio50.8396%6,586
Assets per employee ($millions)15.2947%79
Cash dividends to net income (ytd only)*3.4492%3,467
Condition Ratios (%)
Loss allowance to loans0.3862%7,087
Loan loss allowance to noncurrent loans339.3915%1,056
Noncurrent assets plus other real estate owned to assets0.1035%6,537
Noncurrent loans to loans0.1138%6,374
Net loans and leases to total assets80.7917%427
Net loans and leases to deposits103.3847%293
Net loans and leases to core deposits107.5280%683
Total domestic deposits to total assets78.1466%6,130
Equity capital to assets9.8642%4,524
Core capital (leverage) ratio9.5535%4,074
Tier 1 risk-based capital ratio13.6810%4,689
Total risk-based capital ratio14.1735%5,212
Memoranda:
Average total assets$29,499,263,00048
Average earning assets$27,333,460,33047
Average equity$2,797,016,00054
Average total loans$23,755,058,67038
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6583%3,221
Cost of funding earning assets0.4185%6,323
Net interest margin4.2398%1,637
Noninterest income to average assets0.4291%4,459
Noninterest expense to average assets2.2916%5,787
Loan and lease loss provision to assets0.2066%2,885
Net operating income to assets1.2844%1,491
Return on assets (ROA)1.2764%1,687
Pretax return on assets1.8556%963
Return on Equity (ROE)13.7609%1,237
Retained earnings to average equity (ytd only)13.3933%631
Net charge-offs to loans0.0095%4,597
Credit loss provision to net charge-offs2,715.1737%112
Earnings coverage of net charge-offs (x)271.7879%124
Efficiency ratio50.8773%6,619
Assets per employee ($millions)15.9351%78
Cash dividends to net income (ytd only)*2.6712%2,697
Condition Ratios (%)
Loss allowance to loans0.3508%7,153
Loan loss allowance to noncurrent loans299.9199%1,107
Noncurrent assets plus other real estate owned to assets0.1071%6,609
Noncurrent loans to loans0.1170%6,462
Net loans and leases to total assets78.7689%517
Net loans and leases to deposits100.6637%348
Net loans and leases to core deposits105.1912%709
Total domestic deposits to total assets78.2495%6,233
Equity capital to assets9.4777%4,840
Core capital (leverage) ratio9.4792%4,084
Tier 1 risk-based capital ratio14.0090%4,468
Total risk-based capital ratio14.4670%5,031
Memoranda:
Average total assets$28,755,394,00048
Average earning assets$26,657,680,50047
Average equity$2,667,217,50056
Average total loans$23,066,604,00038
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1028%2,445
Cost of funding earning assets0.5034%6,515
Net interest margin4.5994%926
Noninterest income to average assets0.4511%4,205
Noninterest expense to average assets2.3189%5,998
Loan and lease loss provision to assets0.2105%4,082
Net operating income to assets1.4325%964
Return on assets (ROA)1.4160%1,072
Pretax return on assets2.2125%358
Return on Equity (ROE)15.1462%721
Retained earnings to average equity (ytd only)15.1462%123
Net charge-offs to loans0.0150%6,228
Credit loss provision to net charge-offs1,729.8843%129
Earnings coverage of net charge-offs (x)200.4182%173
Efficiency ratio46.8235%7,006
Assets per employee ($millions)15.2618%84
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.3008%7,219
Loan loss allowance to noncurrent loans258.2679%1,281
Noncurrent assets plus other real estate owned to assets0.1081%6,685
Noncurrent loans to loans0.1165%6,523
Net loans and leases to total assets81.2231%389
Net loans and leases to deposits100.5080%433
Net loans and leases to core deposits105.7980%801
Total domestic deposits to total assets80.8125%5,509
Equity capital to assets9.0594%5,484
Core capital (leverage) ratio8.8127%5,077
Tier 1 risk-based capital ratio13.2536%4,871
Total risk-based capital ratio13.6506%5,509
Memoranda:
Average total assets$24,864,299,40053
Average earning assets$23,278,824,20050
Average equity$2,324,596,20060
Average total loans$20,162,191,40039
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1310%2,469
Cost of funding earning assets0.5179%6,634
Net interest margin4.6131%921
Noninterest income to average assets0.4659%4,163
Noninterest expense to average assets2.3126%5,996
Loan and lease loss provision to assets0.1998%4,024
Net operating income to assets1.4609%1,025
Return on assets (ROA)1.4442%1,142
Pretax return on assets2.2675%381
Return on Equity (ROE)15.3108%787
Retained earnings to average equity (ytd only)15.3108%211
Net charge-offs to loans0.0114%5,991
Credit loss provision to net charge-offs2,159.4030%127
Earnings coverage of net charge-offs (x)268.2546%144
Efficiency ratio46.2378%7,047
Assets per employee ($millions)14.6410%98
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.2545%7,310
Loan loss allowance to noncurrent loans191.4449%1,609
Noncurrent assets plus other real estate owned to assets0.1172%6,756
Noncurrent loans to loans0.1329%6,607
Net loans and leases to total assets78.0108%705
Net loans and leases to deposits95.9576%699
Net loans and leases to core deposits102.8656%1,046
Total domestic deposits to total assets81.2971%5,336
Equity capital to assets9.0067%5,754
Core capital (leverage) ratio8.9510%5,013
Tier 1 risk-based capital ratio13.8132%4,490
Total risk-based capital ratio14.1544%5,147
Memoranda:
Average total assets$24,132,424,00055
Average earning assets$22,647,425,25051
Average equity$2,276,304,75060
Average total loans$19,542,370,50039
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2150%2,206
Cost of funding earning assets0.5178%6,789
Net interest margin4.6972%736
Noninterest income to average assets0.4867%3,965
Noninterest expense to average assets2.3566%5,972
Loan and lease loss provision to assets0.1775%4,147
Net operating income to assets1.5145%859
Return on assets (ROA)1.4933%962
Pretax return on assets2.3453%320
Return on Equity (ROE)15.5620%710
Retained earnings to average equity (ytd only)15.5620%218
Net charge-offs to loans0.0131%5,664
Credit loss provision to net charge-offs1,653.7660%208
Earnings coverage of net charge-offs (x)236.9720%148
Efficiency ratio46.0385%7,154
Assets per employee ($millions)14.1569%103
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.1934%7,392
Loan loss allowance to noncurrent loans142.8571%2,072
Noncurrent assets plus other real estate owned to assets0.1248%6,784
Noncurrent loans to loans0.1354%6,638
Net loans and leases to total assets82.8205%318
Net loans and leases to deposits98.8444%552
Net loans and leases to core deposits106.9302%870
Total domestic deposits to total assets83.7887%4,434
Equity capital to assets9.7608%4,442
Core capital (leverage) ratio9.3817%4,139
Tier 1 risk-based capital ratio14.3892%3,876
Total risk-based capital ratio14.7371%4,515
Memoranda:
Average total assets$23,250,443,00057
Average earning assets$21,847,696,67053
Average equity$2,231,120,00063
Average total loans$19,075,387,33042
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2340%2,102
Cost of funding earning assets0.5075%6,948
Net interest margin4.7265%664
Noninterest income to average assets0.5278%3,668
Noninterest expense to average assets2.3531%6,042
Loan and lease loss provision to assets0.1325%4,345
Net operating income to assets1.5679%743
Return on assets (ROA)1.5454%827
Pretax return on assets2.4663%260
Return on Equity (ROE)16.2493%651
Retained earnings to average equity (ytd only)16.2493%310
Net charge-offs to loans0.0110%4,933
Credit loss provision to net charge-offs1,481.1284%276
Earnings coverage of net charge-offs (x)292.9397%102
Efficiency ratio45.2334%7,236
Assets per employee ($millions)15.1809%94
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.1372%7,466
Loan loss allowance to noncurrent loans115.0648%2,516
Noncurrent assets plus other real estate owned to assets0.1037%6,902
Noncurrent loans to loans0.1193%6,750
Net loans and leases to total assets79.9587%515
Net loans and leases to deposits94.1208%808
Net loans and leases to core deposits102.5663%1,156
Total domestic deposits to total assets84.9533%4,049
Equity capital to assets9.4686%4,481
Core capital (leverage) ratio9.2359%4,233
Tier 1 risk-based capital ratio14.6864%3,621
Total risk-based capital ratio14.9662%4,239
Memoranda:
Average total assets$22,976,778,00056
Average earning assets$21,616,206,00053
Average equity$2,185,252,00063
Average total loans$18,739,267,50044
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6304%7,534
Cost of funding earning assets0.2586%7,529
Net interest margin2.3718%7,333
Noninterest income to average assets0.2015%6,341
Noninterest expense to average assets1.2597%7,534
Loan and lease loss provision to assets0.0849%6,303
Net operating income to assets0.6531%3,425
Return on assets (ROA)0.6423%3,625
Pretax return on assets1.0776%2,667
Return on Equity (ROE)6.9916%3,130
Retained earnings to average equity (ytd only)6.9916%1,327
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.4943%7,168
Assets per employee ($millions)14.8986%95
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.1011%7,556
Loan loss allowance to noncurrent loans102.5405%2,831
Noncurrent assets plus other real estate owned to assets0.0848%7,024
Noncurrent loans to loans0.0986%6,890
Net loans and leases to total assets83.0419%381
Net loans and leases to deposits96.6056%812
Net loans and leases to core deposits106.2645%1,174
Total domestic deposits to total assets85.9597%3,377
Equity capital to assets9.5550%4,335
Core capital (leverage) ratio9.2437%4,100
Tier 1 risk-based capital ratio14.3801%3,625
Total risk-based capital ratio14.6119%4,281
Memoranda:
Average total assets$22,165,850,50055
Average earning assets$20,854,862,50053
Average equity$2,036,177,50066
Average total loans$18,230,481,00044
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.7068%7,705
Cost of funding earning assets0.1779%7,681
Net interest margin1.5289%7,670
Noninterest income to average assets0.1107%6,990
Noninterest expense to average assets0.8271%7,715
Loan and lease loss provision to assets0.0273%6,796
Net operating income to assets0.4105%4,703
Return on assets (ROA)0.4032%4,911
Pretax return on assets0.6885%4,270
Return on Equity (ROE)4.5769%4,516
Retained earnings to average equity (ytd only)4.5769%3,289
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.9136%7,076
Assets per employee ($millions)15.0887%101
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.0252%7,682
Loan loss allowance to noncurrent loans21.9256%6,821
Noncurrent assets plus other real estate owned to assets0.0965%7,115
Noncurrent loans to loans0.1149%6,955
Net loans and leases to total assets81.3281%581
Net loans and leases to deposits94.1474%1,183
Net loans and leases to core deposits104.3003%1,454
Total domestic deposits to total assets86.3838%2,864
Equity capital to assets8.8101%5,849
Core capital (leverage) ratio8.5780%5,378
Tier 1 risk-based capital ratio13.6025%4,117
Total risk-based capital ratio13.7341%4,975
Memoranda:
Average total assets$21,954,068,00055
Average earning assets$20,670,832,00053
Average equity$1,934,169,00069
Average total loans$17,859,336,00045