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First Security Bank of Deer Lodge, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2074%933
Cost of funding earning assets2.1992%1,446
Net interest margin4.0082%1,272
Noninterest income to average assets0.4100%2,181
Noninterest expense to average assets1.8610%3,816
Loan and lease loss provision to assets-0.0700%4,307
Net operating income to assets2.4924%217
Return on assets (ROA)2.4924%215
Pretax return on assets2.4924%315
Return on Equity (ROE)25.3200%189
Retained earnings to average equity (ytd only)-22.5918%4,400
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio43.4066%4,196
Assets per employee ($millions)7.3403%1,989
Cash dividends to net income (ytd only)*189.2250%168
Condition Ratios (%)
Loss allowance to loans0.9333%3,508
Loan loss allowance to noncurrent loans0.0000%3,773
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets80.1400%580
Net loans and leases to deposits88.5427%1,253
Net loans and leases to core deposits106.0899%1,024
Total domestic deposits to total assets90.5100%659
Equity capital to assets9.2196%2,774
Core capital (leverage) ratio9.6893%3,087
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$84,899,0003,899
Average earning assets$82,031,5003,860
Average equity$8,357,0003,951
Average total loans$71,700,5003,553
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4209%786
Cost of funding earning assets2.3493%1,451
Net interest margin4.0715%1,089
Noninterest income to average assets0.4400%2,226
Noninterest expense to average assets1.9502%3,701
Loan and lease loss provision to assets-0.0200%4,147
Net operating income to assets2.4191%237
Return on assets (ROA)2.4191%236
Pretax return on assets2.4191%331
Return on Equity (ROE)24.7200%196
Retained earnings to average equity (ytd only)3.2424%2,942
Net charge-offs to loans0.0066%2,680
Credit loss provision to net charge-offs-320.0000%4,412
Earnings coverage of net charge-offs (x)411.6000%299
Efficiency ratio44.8257%4,209
Assets per employee ($millions)6.2857%2,659
Cash dividends to net income (ytd only)*86.8852%442
Condition Ratios (%)
Loss allowance to loans0.9425%3,492
Loan loss allowance to noncurrent loans0.0000%3,770
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets87.4600%99
Net loans and leases to deposits98.0303%584
Net loans and leases to core deposits110.7739%901
Total domestic deposits to total assets89.2200%1,077
Equity capital to assets10.5159%1,820
Core capital (leverage) ratio10.0176%2,735
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$85,736,0003,901
Average earning assets$82,278,6003,853
Average equity$8,388,8003,930
Average total loans$76,300,4003,472
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3154%865
Cost of funding earning assets2.3194%1,499
Net interest margin3.9960%1,150
Noninterest income to average assets0.4300%2,252
Noninterest expense to average assets1.7292%4,039
Loan and lease loss provision to assets0.0600%1,841
Net operating income to assets2.4732%238
Return on assets (ROA)2.4732%238
Pretax return on assets2.4732%334
Return on Equity (ROE)25.7300%184
Retained earnings to average equity (ytd only)4.1097%2,809
Net charge-offs to loans0.0052%2,495
Credit loss provision to net charge-offs1,333.3333%327
Earnings coverage of net charge-offs (x)549.6667%228
Efficiency ratio40.5552%4,324
Assets per employee ($millions)8.2050%1,410
Cash dividends to net income (ytd only)*84.0273%434
Condition Ratios (%)
Loss allowance to loans0.9456%3,504
Loan loss allowance to noncurrent loans0.0000%3,813
Noncurrent assets plus other real estate owned to assets0.0000%3,861
Noncurrent loans to loans0.0000%3,830
Net loans and leases to total assets85.6600%163
Net loans and leases to deposits99.8321%497
Net loans and leases to core deposits112.5754%843
Total domestic deposits to total assets85.8000%2,006
Equity capital to assets9.5042%2,669
Core capital (leverage) ratio9.4971%3,277
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$86,741,5003,914
Average earning assets$83,180,7503,866
Average equity$8,337,7503,950
Average total loans$77,338,5003,463
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2097%901
Cost of funding earning assets2.1594%1,748
Net interest margin4.0503%1,060
Noninterest income to average assets0.4300%2,205
Noninterest expense to average assets1.7646%3,988
Loan and lease loss provision to assets0.0900%1,288
Net operating income to assets2.4518%246
Return on assets (ROA)2.4518%241
Pretax return on assets2.4518%343
Return on Equity (ROE)25.4100%207
Retained earnings to average equity (ytd only)-1.2352%4,084
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio40.9436%4,341
Assets per employee ($millions)9.0678%984
Cash dividends to net income (ytd only)*104.8618%337
Condition Ratios (%)
Loss allowance to loans0.9382%3,561
Loan loss allowance to noncurrent loans251.1864%2,030
Noncurrent assets plus other real estate owned to assets0.3253%1,862
Noncurrent loans to loans0.3735%2,069
Net loans and leases to total assets86.2900%144
Net loans and leases to deposits105.4530%325
Net loans and leases to core deposits121.7180%587
Total domestic deposits to total assets81.8300%3,127
Equity capital to assets9.1202%2,657
Core capital (leverage) ratio9.5909%3,163
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$85,570,3333,936
Average earning assets$81,969,0003,890
Average equity$8,257,6673,947
Average total loans$77,102,0003,470
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0897%949
Cost of funding earning assets1.9175%2,211
Net interest margin4.1722%890
Noninterest income to average assets0.4300%2,109
Noninterest expense to average assets1.8695%3,837
Loan and lease loss provision to assets0.1000%1,031
Net operating income to assets2.4573%252
Return on assets (ROA)2.4573%253
Pretax return on assets2.4573%351
Return on Equity (ROE)24.7200%242
Retained earnings to average equity (ytd only)-6.7866%4,202
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio42.2658%4,288
Assets per employee ($millions)7.5590%1,728
Cash dividends to net income (ytd only)*127.4510%372
Condition Ratios (%)
Loss allowance to loans0.9185%3,634
Loan loss allowance to noncurrent loans0.0000%3,825
Noncurrent assets plus other real estate owned to assets0.0000%3,894
Noncurrent loans to loans0.0000%3,844
Net loans and leases to total assets93.5400%5
Net loans and leases to deposits116.4234%112
Net loans and leases to core deposits135.3290%332
Total domestic deposits to total assets80.3500%3,476
Equity capital to assets9.8390%2,110
Core capital (leverage) ratio10.0502%2,717
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$83,016,5003,980
Average earning assets$79,478,5003,933
Average equity$8,251,5003,968
Average total loans$76,160,5003,492
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8266%796
Cost of funding earning assets1.4192%2,176
Net interest margin4.4074%702
Noninterest income to average assets0.3500%2,791
Noninterest expense to average assets1.9753%3,690
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets2.6011%224
Return on assets (ROA)2.6011%218
Pretax return on assets2.6011%302
Return on Equity (ROE)27.6700%226
Retained earnings to average equity (ytd only)9.6605%1,098
Net charge-offs to loans0.0000%2,917
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio43.1633%4,283
Assets per employee ($millions)6.9070%2,131
Cash dividends to net income (ytd only)*65.0808%999
Condition Ratios (%)
Loss allowance to loans0.9496%3,541
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets88.2200%78
Net loans and leases to deposits100.9457%482
Net loans and leases to core deposits108.5430%1,012
Total domestic deposits to total assets87.3900%1,561
Equity capital to assets10.0405%1,981
Core capital (leverage) ratio9.8181%2,957
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$85,655,8003,965
Average earning assets$82,157,2003,905
Average equity$8,053,4003,918
Average total loans$75,384,4003,475
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6772%821
Cost of funding earning assets1.3630%1,965
Net interest margin4.3142%792
Noninterest income to average assets0.3400%2,860
Noninterest expense to average assets1.8282%3,931
Loan and lease loss provision to assets0.0400%2,145
Net operating income to assets2.6095%239
Return on assets (ROA)2.6095%235
Pretax return on assets2.6095%342
Return on Equity (ROE)28.2100%266
Retained earnings to average equity (ytd only)14.8585%576
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio40.8135%4,339
Assets per employee ($millions)6.6907%2,188
Cash dividends to net income (ytd only)*47.3373%1,363
Condition Ratios (%)
Loss allowance to loans0.9579%3,536
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets86.5400%136
Net loans and leases to deposits96.0223%754
Net loans and leases to core deposits103.3205%1,152
Total domestic deposits to total assets90.1200%912
Equity capital to assets9.6954%1,999
Core capital (leverage) ratio9.4903%3,313
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$86,348,7503,974
Average earning assets$82,855,7503,916
Average equity$7,986,2503,936
Average total loans$75,775,2503,477
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4286%925
Cost of funding earning assets1.1988%1,995
Net interest margin4.2298%892
Noninterest income to average assets0.3400%2,832
Noninterest expense to average assets1.8064%3,984
Loan and lease loss provision to assets0.0600%1,720
Net operating income to assets2.5308%238
Return on assets (ROA)2.5308%234
Pretax return on assets2.5308%341
Return on Equity (ROE)27.8200%271
Retained earnings to average equity (ytd only)12.5043%884
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio41.0554%4,364
Assets per employee ($millions)6.7857%2,076
Cash dividends to net income (ytd only)*55.0459%1,129
Condition Ratios (%)
Loss allowance to loans0.9512%3,615
Loan loss allowance to noncurrent loans6,618.1818%209
Noncurrent assets plus other real estate owned to assets0.0125%3,723
Noncurrent loans to loans0.0144%3,672
Net loans and leases to total assets85.9300%156
Net loans and leases to deposits102.3590%417
Net loans and leases to core deposits109.3836%856
Total domestic deposits to total assets83.9500%2,830
Equity capital to assets9.1063%2,439
Core capital (leverage) ratio9.4538%3,303
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$86,138,6673,989
Average earning assets$82,747,0003,926
Average equity$7,837,3333,966
Average total loans$75,701,3333,478
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3439%784
Cost of funding earning assets1.0414%1,912
Net interest margin4.3025%804
Noninterest income to average assets0.3800%2,520
Noninterest expense to average assets1.7297%4,159
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets2.7873%185
Return on assets (ROA)2.7873%181
Pretax return on assets2.7873%253
Return on Equity (ROE)30.6500%222
Retained earnings to average equity (ytd only)20.3114%358
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio38.2934%4,483
Assets per employee ($millions)7.0508%1,942
Cash dividends to net income (ytd only)*33.7268%1,633
Condition Ratios (%)
Loss allowance to loans0.9267%3,783
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets88.5800%60
Net loans and leases to deposits101.8385%365
Net loans and leases to core deposits110.8719%672
Total domestic deposits to total assets86.9800%2,271
Equity capital to assets9.3796%2,241
Core capital (leverage) ratio9.5367%3,166
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$85,101,0004,050
Average earning assets$81,813,5003,996
Average equity$7,739,5004,028
Average total loans$75,285,5003,523
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7692%455
Cost of funding earning assets0.5554%1,086
Net interest margin4.2137%513
Noninterest income to average assets0.3800%2,814
Noninterest expense to average assets1.9531%3,705
Loan and lease loss provision to assets0.2100%483
Net operating income to assets2.2589%194
Return on assets (ROA)2.2589%186
Pretax return on assets2.2589%285
Return on Equity (ROE)25.7700%183
Retained earnings to average equity (ytd only)15.1309%284
Net charge-offs to loans0.0000%2,620
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio44.1913%4,423
Assets per employee ($millions)7.7812%1,445
Cash dividends to net income (ytd only)*41.2768%1,833
Condition Ratios (%)
Loss allowance to loans0.9356%3,644
Loan loss allowance to noncurrent loans60.6926%3,619
Noncurrent assets plus other real estate owned to assets1.3494%261
Noncurrent loans to loans1.5415%421
Net loans and leases to total assets86.7200%117
Net loans and leases to deposits95.1748%701
Net loans and leases to core deposits101.1419%940
Total domestic deposits to total assets91.1100%913
Equity capital to assets8.8126%2,479
Core capital (leverage) ratio8.8507%3,819
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4764%1,790
Memoranda:
Average total assets$80,437,2004,127
Average earning assets$77,057,6004,074
Average equity$7,051,8004,206
Average total loans$68,457,6003,603
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6241%407
Cost of funding earning assets0.4036%1,260
Net interest margin4.2205%400
Noninterest income to average assets0.3400%3,099
Noninterest expense to average assets1.8042%3,979
Loan and lease loss provision to assets0.2800%264
Net operating income to assets2.2910%192
Return on assets (ROA)2.2910%189
Pretax return on assets2.2910%280
Return on Equity (ROE)26.1700%160
Retained earnings to average equity (ytd only)16.5484%240
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio41.2240%4,544
Assets per employee ($millions)7.5479%1,585
Cash dividends to net income (ytd only)*36.7647%1,732
Condition Ratios (%)
Loss allowance to loans0.9303%3,767
Loan loss allowance to noncurrent loans14,020.0000%108
Noncurrent assets plus other real estate owned to assets0.0060%3,949
Noncurrent loans to loans0.0066%3,906
Net loans and leases to total assets89.9100%29
Net loans and leases to deposits98.6872%420
Net loans and leases to core deposits101.2368%773
Total domestic deposits to total assets91.1100%1,193
Equity capital to assets8.8357%2,326
Core capital (leverage) ratio8.9775%3,631
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1831%1,979
Memoranda:
Average total assets$79,148,2504,169
Average earning assets$75,659,7504,122
Average equity$6,929,0004,266
Average total loans$66,840,7503,649
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4132%428
Cost of funding earning assets0.3095%1,632
Net interest margin4.1037%393
Noninterest income to average assets0.3288%3,197
Noninterest expense to average assets1.7674%4,025
Loan and lease loss provision to assets0.2595%273
Net operating income to assets2.2195%156
Return on assets (ROA)2.2195%156
Pretax return on assets2.2195%236
Return on Equity (ROE)25.4367%104
Retained earnings to average equity (ytd only)16.6045%166
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.6213%4,579
Assets per employee ($millions)7.2316%1,784
Cash dividends to net income (ytd only)*34.7222%1,928
Condition Ratios (%)
Loss allowance to loans0.8976%3,956
Loan loss allowance to noncurrent loans7,055.5556%193
Noncurrent assets plus other real estate owned to assets0.0113%3,918
Noncurrent loans to loans0.0127%3,881
Net loans and leases to total assets88.1367%39
Net loans and leases to deposits96.7529%396
Net loans and leases to core deposits98.6617%734
Total domestic deposits to total assets91.0947%1,185
Equity capital to assets8.8500%2,497
Core capital (leverage) ratio9.0088%3,459
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2140%1,972
Memoranda:
Average total assets$77,855,3334,227
Average earning assets$74,322,3334,185
Average equity$6,793,3334,338
Average total loans$64,004,3333,726
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0564%690
Cost of funding earning assets0.2621%2,022
Net interest margin3.7943%639
Noninterest income to average assets0.3376%3,071
Noninterest expense to average assets1.8387%3,843
Loan and lease loss provision to assets0.0935%881
Net operating income to assets2.0153%216
Return on assets (ROA)2.0153%213
Pretax return on assets2.0153%341
Return on Equity (ROE)23.2684%115
Retained earnings to average equity (ytd only)23.2684%56
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.5789%4,469
Assets per employee ($millions)7.1667%1,878
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans0.9114%4,011
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets76.1309%499
Net loans and leases to deposits84.6192%842
Net loans and leases to core deposits86.3243%1,109
Total domestic deposits to total assets89.9688%1,583
Equity capital to assets8.7069%2,968
Core capital (leverage) ratio8.8666%3,493
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6591%1,595
Memoranda:
Average total assets$77,009,0004,257
Average earning assets$73,267,0004,223
Average equity$6,670,0004,393
Average total loans$60,633,5003,785
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3719%155
Cost of funding earning assets0.2930%2,471
Net interest margin5.0790%129
Noninterest income to average assets0.3817%3,156
Noninterest expense to average assets2.1255%3,321
Loan and lease loss provision to assets0.3233%237
Net operating income to assets2.7078%128
Return on assets (ROA)2.7078%129
Pretax return on assets2.7078%200
Return on Equity (ROE)30.9930%63
Retained earnings to average equity (ytd only)23.2833%32
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.2192%4,661
Assets per employee ($millions)6.8349%2,042
Cash dividends to net income (ytd only)*24.8756%2,797
Condition Ratios (%)
Loss allowance to loans0.8798%4,111
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 assets80.0223%266
Net loans and leases to deposits90.2469%559
Net loans and leases to core deposits91.8324%888
Total domestic deposits to total assets88.6705%1,688
Equity capital to assets8.6135%3,974
Core capital (leverage) ratio8.7136%3,710
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1120%1,808
Memoranda:
Average total assets$66,807,4004,372
Average earning assets$62,808,0004,353
Average equity$5,836,8004,549
Average total loans$51,323,0003,975
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6696%124
Cost of funding earning assets0.2860%2,740
Net interest margin5.3836%98
Noninterest income to average assets0.3770%3,220
Noninterest expense to average assets2.0356%3,570
Loan and lease loss provision to assets0.3709%186
Net operating income to assets3.0122%125
Return on assets (ROA)3.0122%124
Pretax return on assets3.0122%175
Return on Equity (ROE)34.3365%61
Retained earnings to average equity (ytd only)23.7678%64
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.5665%4,782
Assets per employee ($millions)6.5000%2,244
Cash dividends to net income (ytd only)*30.7798%2,043
Condition Ratios (%)
Loss allowance to loans0.8794%4,206
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 assets78.5035%371
Net loans and leases to deposits90.0443%607
Net loans and leases to core deposits91.7382%934
Total domestic deposits to total assets87.1832%2,275
Equity capital to assets8.5720%4,162
Core capital (leverage) ratio8.9650%3,590
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3737%1,839
Memoranda:
Average total assets$64,713,2504,455
Average earning assets$60,602,0004,438
Average equity$5,677,0004,631
Average total loans$48,979,2504,078
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3331%66
Cost of funding earning assets0.2950%2,819
Net interest margin6.0380%57
Noninterest income to average assets0.3875%3,171
Noninterest expense to average assets2.2001%3,092
Loan and lease loss provision to assets0.3363%232
Net operating income to assets3.4875%90
Return on assets (ROA)3.4875%92
Pretax return on assets3.4875%120
Return on Equity (ROE)39.4113%47
Retained earnings to average equity (ytd only)28.5542%46
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.5231%4,829
Assets per employee ($millions)5.5588%3,053
Cash dividends to net income (ytd only)*27.5482%2,181
Condition Ratios (%)
Loss allowance to loans0.8055%4,358
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets78.0916%441
Net loans and leases to deposits90.1587%644
Net loans and leases to core deposits91.9897%1,007
Total domestic deposits to total assets86.6157%2,498
Equity capital to assets8.8539%3,925
Core capital (leverage) ratio9.1718%3,256
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.0929%1,316
Memoranda:
Average total assets$62,451,0004,511
Average earning assets$58,297,0004,493
Average equity$5,526,3334,672
Average total loans$46,429,6674,146
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9791%110
Cost of funding earning assets0.2997%2,998
Net interest margin5.6795%83
Noninterest income to average assets0.3979%3,102
Noninterest expense to average assets1.8964%3,992
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets3.9056%87
Return on assets (ROA)3.9056%90
Pretax return on assets3.9056%109
Return on Equity (ROE)44.1488%48
Retained earnings to average equity (ytd only)32.9055%63
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.6857%4,888
Assets per employee ($millions)6.1108%2,486
Cash dividends to net income (ytd only)*25.4669%1,841
Condition Ratios (%)
Loss allowance to loans0.6955%4,578
Loan loss allowance to noncurrent loans5,300.0000%183
Noncurrent assets plus other real estate owned to assets0.0098%4,317
Noncurrent loans to loans0.0131%4,243
Net loans and leases to total assets74.2996%786
Net loans and leases to deposits86.4243%933
Net loans and leases to core deposits87.9307%1,370
Total domestic deposits to total assets85.9707%2,746
Equity capital to assets9.0921%3,604
Core capital (leverage) ratio9.1848%3,407
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.9594%935
Memoranda:
Average total assets$60,324,0004,553
Average earning assets$57,399,5004,526
Average equity$5,336,5004,711
Average total loans$43,387,5004,229
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6965%900
Cost of funding earning assets0.3514%3,862
Net interest margin4.3451%462
Noninterest income to average assets0.4484%2,871
Noninterest expense to average assets2.0720%3,995
Loan and lease loss provision to assets-0.2825%4,990
Net operating income to assets2.7376%112
Return on assets (ROA)2.7376%115
Pretax return on assets2.7376%144
Return on Equity (ROE)29.5308%68
Retained earnings to average equity (ytd only)22.3931%50
Net charge-offs to loans-0.4239%4,945
Credit loss provision to net charge-offs88.8199%2,937
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.7679%4,725
Assets per employee ($millions)6.6156%1,838
Cash dividends to net income (ytd only)*24.1703%3,089
Condition Ratios (%)
Loss allowance to loans0.7746%4,476
Loan loss allowance to noncurrent loans4,542.8571%220
Noncurrent assets plus other real estate owned to assets0.0118%4,361
Noncurrent loans to loans0.0171%4,287
Net loans and leases to total assets68.4179%1,773
Net loans and leases to deposits79.2360%1,953
Net loans and leases to core deposits81.4671%2,233
Total domestic deposits to total assets86.3470%2,209
Equity capital to assets8.5942%4,377
Core capital (leverage) ratio8.6819%4,020
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.0110%766
Memoranda:
Average total assets$50,628,4004,646
Average earning assets$47,524,6004,624
Average equity$4,693,4004,785
Average total loans$37,984,6004,355
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0531%556
Cost of funding earning assets0.3267%4,177
Net interest margin4.7264%241
Noninterest income to average assets0.4628%2,775
Noninterest expense to average assets1.9972%4,151
Loan and lease loss provision to assets0.0413%3,833
Net operating income to assets2.8484%106
Return on assets (ROA)2.8484%110
Pretax return on assets2.8484%135
Return on Equity (ROE)30.0519%66
Retained earnings to average equity (ytd only)30.0519%33
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.8681%4,874
Assets per employee ($millions)6.5552%1,788
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.7654%4,443
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets69.2239%2,070
Net loans and leases to deposits80.2815%2,289
Net loans and leases to core deposits84.2879%2,447
Total domestic deposits to total assets86.2264%1,972
Equity capital to assets8.6445%4,373
Core capital (leverage) ratio9.0948%3,660
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5692%831
Memoranda:
Average total assets$48,400,5004,697
Average earning assets$45,304,5004,680
Average equity$4,587,5004,816
Average total loans$37,217,2504,394
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8390%180
Cost of funding earning assets0.3154%4,418
Net interest margin5.5236%91
Noninterest income to average assets0.5037%2,545
Noninterest expense to average assets2.1708%3,874
Loan and lease loss provision to assets0.0669%3,457
Net operating income to assets3.4189%63
Return on assets (ROA)3.4189%67
Pretax return on assets3.4189%83
Return on Equity (ROE)34.7321%43
Retained earnings to average equity (ytd only)34.7321%22
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio38.3767%4,949
Assets per employee ($millions)5.7862%2,388
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.7598%4,438
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets79.0057%722
Net loans and leases to deposits93.0500%1,045
Net loans and leases to core deposits97.8361%1,425
Total domestic deposits to total assets84.9067%2,432
Equity capital to assets9.2807%3,850
Core capital (leverage) ratio10.0187%2,824
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.5420%970
Memoranda:
Average total assets$44,868,3334,756
Average earning assets$41,856,6674,740
Average equity$4,416,6674,861
Average total loans$35,904,6674,431
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1385%744
Cost of funding earning assets0.3140%4,613
Net interest margin4.8246%264
Noninterest income to average assets0.5525%2,269
Noninterest expense to average assets2.2586%3,864
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets2.7627%83
Return on assets (ROA)2.7627%85
Pretax return on assets2.7627%116
Return on Equity (ROE)27.0880%48
Retained earnings to average equity (ytd only)27.0880%23
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.9807%4,859
Assets per employee ($millions)4.6958%2,996
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.8824%4,176
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets79.7359%726
Net loans and leases to deposits96.5835%850
Net loans and leases to core deposits101.4175%1,366
Total domestic deposits to total assets82.5564%3,247
Equity capital to assets10.2953%3,524
Core capital (leverage) ratio10.7528%2,702
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.5615%1,221
Memoranda:
Average total assets$41,264,5004,827
Average earning assets$38,221,0004,815
Average equity$4,208,5004,921
Average total loans$33,128,0004,534
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9933%1,503
Cost of funding earning assets0.2879%4,758
Net interest margin4.7054%465
Noninterest income to average assets0.6612%1,957
Noninterest expense to average assets2.4067%3,674
Loan and lease loss provision to assets0.1052%1,968
Net operating income to assets2.5294%127
Return on assets (ROA)2.5294%135
Pretax return on assets2.5294%199
Return on Equity (ROE)24.4517%85
Retained earnings to average equity (ytd only)0.2421%4,620
Net charge-offs to loans0.0033%3,563
Credit loss provision to net charge-offs4,200.0000%100
Earnings coverage of net charge-offs (x)1,052.0000%92
Efficiency ratio47.7397%4,843
Assets per employee ($millions)4.4741%3,268
Cash dividends to net income (ytd only)*99.0099%324
Condition Ratios (%)
Loss allowance to loans0.9300%3,845
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets79.3652%881
Net loans and leases to deposits88.3208%1,799
Net loans and leases to core deposits93.2672%2,133
Total domestic deposits to total assets89.8602%364
Equity capital to assets10.0976%3,836
Core capital (leverage) ratio10.0918%3,419
Tier 1 risk-based capital ratio16.4476%2,236
Total risk-based capital ratio17.6611%2,189
Memoranda:
Average total assets$39,930,4004,892
Average earning assets$37,169,8004,875
Average equity$4,130,6004,977
Average total loans$30,438,6004,633
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9723%1,616
Cost of funding earning assets0.2832%4,839
Net interest margin4.6891%507
Noninterest income to average assets0.6491%1,988
Noninterest expense to average assets2.2285%4,127
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets2.7974%106
Return on assets (ROA)2.7974%112
Pretax return on assets2.7974%151
Return on Equity (ROE)26.8798%64
Retained earnings to average equity (ytd only)5.9803%2,380
Net charge-offs to loans0.0044%3,247
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)838.0752%114
Efficiency ratio44.3409%5,000
Assets per employee ($millions)4.4446%3,295
Cash dividends to net income (ytd only)*77.7516%722
Condition Ratios (%)
Loss allowance to loans0.8208%4,347
Loan loss allowance to noncurrent loans2,580.0000%269
Noncurrent assets plus other real estate owned to assets0.0250%4,615
Noncurrent loans to loans0.0318%4,527
Net loans and leases to total assets77.9331%1,151
Net loans and leases to deposits87.2488%2,028
Net loans and leases to core deposits92.8710%2,282
Total domestic deposits to total assets89.3228%514
Equity capital to assets10.6047%3,464
Core capital (leverage) ratio10.4014%3,198
Tier 1 risk-based capital ratio17.7112%1,897
Total risk-based capital ratio18.7884%1,902
Memoranda:
Average total assets$39,846,2504,965
Average earning assets$37,191,7504,951
Average equity$4,146,7505,045
Average total loans$29,983,7504,704
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8653%1,862
Cost of funding earning assets0.2910%4,848
Net interest margin4.5744%652
Noninterest income to average assets0.6131%2,089
Noninterest expense to average assets2.2465%4,137
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets2.6335%132
Return on assets (ROA)2.6335%136
Pretax return on assets2.6335%201
Return on Equity (ROE)25.4678%88
Retained earnings to average equity (ytd only)1.1665%4,387
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.0350%4,992
Assets per employee ($millions)4.5211%3,105
Cash dividends to net income (ytd only)*95.4198%504
Condition Ratios (%)
Loss allowance to loans0.8310%4,332
Loan loss allowance to noncurrent loans78.7234%3,674
Noncurrent assets plus other real estate owned to assets0.8086%1,739
Noncurrent loans to loans1.0556%1,553
Net loans and leases to total assets75.9597%1,553
Net loans and leases to deposits84.4781%2,437
Net loans and leases to core deposits89.1208%2,677
Total domestic deposits to total assets89.9164%359
Equity capital to assets10.0270%3,955
Core capital (leverage) ratio10.2500%3,337
Tier 1 risk-based capital ratio16.9161%2,113
Total risk-based capital ratio17.9900%2,109
Memoranda:
Average total assets$39,794,6705,010
Average earning assets$37,119,6704,990
Average equity$4,115,0005,087
Average total loans$29,501,0004,751
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6970%2,239
Cost of funding earning assets0.2807%4,895
Net interest margin4.4163%864
Noninterest income to average assets0.6303%1,910
Noninterest expense to average assets2.2162%4,221
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets2.5720%143
Return on assets (ROA)2.5720%152
Pretax return on assets2.5720%222
Return on Equity (ROE)24.4888%108
Retained earnings to average equity (ytd only)14.8094%288
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.2845%5,013
Assets per employee ($millions)3.9219%4,041
Cash dividends to net income (ytd only)*39.5257%1,938
Condition Ratios (%)
Loss allowance to loans0.8973%4,169
Loan loss allowance to noncurrent loans78.7234%3,717
Noncurrent assets plus other real estate owned to assets0.8389%1,692
Noncurrent loans to loans1.1398%1,463
Net loans and leases to total assets72.9366%2,003
Net loans and leases to deposits81.7496%2,636
Net loans and leases to core deposits85.4212%2,916
Total domestic deposits to total assets89.2195%758
Equity capital to assets10.7320%3,130
Core capital (leverage) ratio10.7523%2,801
Tier 1 risk-based capital ratio18.8061%1,585
Total risk-based capital ratio19.9634%1,568
Memoranda:
Average total assets$39,347,0005,072
Average earning assets$37,045,0005,040
Average equity$4,132,5005,134
Average total loans$28,668,0004,824
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4939%2,477
Cost of funding earning assets0.2623%4,744
Net interest margin4.2316%1,320
Noninterest income to average assets0.6652%1,986
Noninterest expense to average assets2.4719%3,691
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets2.1420%277
Return on assets (ROA)2.1420%271
Pretax return on assets2.1420%404
Return on Equity (ROE)20.8193%212
Retained earnings to average equity (ytd only)7.8881%1,286
Net charge-offs to loans-0.0109%4,517
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.5755%4,653
Assets per employee ($millions)3.5886%4,459
Cash dividends to net income (ytd only)*62.1118%1,400
Condition Ratios (%)
Loss allowance to loans0.9097%4,117
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets71.4706%2,354
Net loans and leases to deposits79.6887%2,991
Net loans and leases to core deposits87.3143%2,807
Total domestic deposits to total assets89.6871%582
Equity capital to assets10.2749%3,406
Core capital (leverage) ratio10.4300%3,110
Tier 1 risk-based capital ratio19.2282%1,472
Total risk-based capital ratio20.4561%1,440
Memoranda:
Average total assets$37,582,4005,132
Average earning assets$35,069,6005,110
Average equity$3,866,6005,200
Average total loans$27,447,4004,878
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4435%2,487
Cost of funding earning assets0.2471%4,804
Net interest margin4.1964%1,367
Noninterest income to average assets0.6467%2,089
Noninterest expense to average assets2.4324%3,778
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets2.1198%296
Return on assets (ROA)2.1198%292
Pretax return on assets2.1198%462
Return on Equity (ROE)20.5970%237
Retained earnings to average equity (ytd only)5.7600%2,785
Net charge-offs to loans-0.0147%4,509
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.4333%4,666
Assets per employee ($millions)3.7755%4,210
Cash dividends to net income (ytd only)*72.0333%790
Condition Ratios (%)
Loss allowance to loans0.9133%4,215
Loan loss allowance to noncurrent loans12,950.0000%65
Noncurrent assets plus other real estate owned to assets0.0053%5,002
Noncurrent loans to loans0.0071%4,901
Net loans and leases to total assets74.4299%1,918
Net loans and leases to deposits83.1120%2,695
Net loans and leases to core deposits91.4448%2,530
Total domestic deposits to total assets89.5537%656
Equity capital to assets10.3721%3,264
Core capital (leverage) ratio10.5218%3,056
Tier 1 risk-based capital ratio18.7377%1,601
Total risk-based capital ratio19.9866%1,569
Memoranda:
Average total assets$37,109,2505,206
Average earning assets$34,536,7505,183
Average equity$3,819,2505,267
Average total loans$27,191,2504,938
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3097%2,727
Cost of funding earning assets0.2152%4,945
Net interest margin4.0945%1,578
Noninterest income to average assets0.6126%2,258
Noninterest expense to average assets2.3906%3,924
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets2.0383%350
Return on assets (ROA)2.0383%347
Pretax return on assets2.0383%560
Return on Equity (ROE)19.8574%278
Retained earnings to average equity (ytd only)1.3731%4,673
Net charge-offs to loans-0.0224%4,613
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.9780%4,694
Assets per employee ($millions)3.7081%4,340
Cash dividends to net income (ytd only)*93.0851%477
Condition Ratios (%)
Loss allowance to loans0.9240%4,225
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets74.8901%1,805
Net loans and leases to deposits83.4485%2,596
Net loans and leases to core deposits91.9506%2,405
Total domestic deposits to total assets89.7441%649
Equity capital to assets10.1885%3,449
Core capital (leverage) ratio10.3312%3,204
Tier 1 risk-based capital ratio18.5423%1,667
Total risk-based capital ratio19.7939%1,630
Memoranda:
Average total assets$36,894,0005,271
Average earning assets$34,387,6705,248
Average equity$3,787,0005,331
Average total loans$26,801,6704,998
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2143%2,844
Cost of funding earning assets0.1746%5,136
Net interest margin4.0397%1,596
Noninterest income to average assets0.5761%2,389
Noninterest expense to average assets2.3913%3,968
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.9565%413
Return on assets (ROA)1.9565%413
Pretax return on assets1.9565%638
Return on Equity (ROE)18.9898%318
Retained earnings to average equity (ytd only)8.4399%1,677
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.0000%4,692
Assets per employee ($millions)3.4507%4,727
Cash dividends to net income (ytd only)*55.5556%1,378
Condition Ratios (%)
Loss allowance to loans0.9900%4,025
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets67.4509%2,829
Net loans and leases to deposits75.0601%3,310
Net loans and leases to core deposits81.8275%3,153
Total domestic deposits to total assets89.8625%714
Equity capital to assets10.0954%3,505
Core capital (leverage) ratio10.4187%3,042
Tier 1 risk-based capital ratio20.8193%1,229
Total risk-based capital ratio22.0689%1,208
Memoranda:
Average total assets$36,800,5005,330
Average earning assets$34,359,0005,307
Average equity$3,791,5005,388
Average total loans$26,188,0005,071
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2178%2,620
Cost of funding earning assets0.1553%5,231
Net interest margin4.0625%1,556
Noninterest income to average assets0.6500%2,195
Noninterest expense to average assets2.6634%3,251
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets1.7488%480
Return on assets (ROA)1.7488%486
Pretax return on assets1.7488%898
Return on Equity (ROE)16.7854%413
Retained earnings to average equity (ytd only)4.3620%2,539
Net charge-offs to loans-0.1228%5,423
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.3651%4,206
Assets per employee ($millions)2.9703%5,216
Cash dividends to net income (ytd only)*74.0132%1,062
Condition Ratios (%)
Loss allowance to loans0.9654%4,132
Loan loss allowance to noncurrent loans12,800.0000%75
Noncurrent assets plus other real estate owned to assets0.0056%5,165
Noncurrent loans to loans0.0075%5,024
Net loans and leases to total assets73.6779%1,974
Net loans and leases to deposits82.3694%2,684
Net loans and leases to core deposits88.0798%2,711
Total domestic deposits to total assets89.4481%798
Equity capital to assets10.5238%3,147
Core capital (leverage) ratio10.4703%2,878
Tier 1 risk-based capital ratio19.6059%1,397
Total risk-based capital ratio20.8551%1,368
Memoranda:
Average total assets$34,767,0005,420
Average earning assets$32,196,6005,402
Average equity$3,622,2005,467
Average total loans$25,236,4005,150
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1651%2,733
Cost of funding earning assets0.1459%5,334
Net interest margin4.0192%1,639
Noninterest income to average assets0.6175%2,378
Noninterest expense to average assets2.6629%3,196
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.6749%615
Return on assets (ROA)1.6749%629
Pretax return on assets1.6749%1,185
Return on Equity (ROE)16.1184%518
Retained earnings to average equity (ytd only)-0.5942%5,306
Net charge-offs to loans-0.1659%5,494
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3879%3,977
Assets per employee ($millions)3.6005%4,583
Cash dividends to net income (ytd only)*103.6879%275
Condition Ratios (%)
Loss allowance to loans0.9936%4,103
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets70.8485%2,432
Net loans and leases to deposits78.7193%3,097
Net loans and leases to core deposits84.0744%3,119
Total domestic deposits to total assets90.0014%476
Equity capital to assets9.9347%3,985
Core capital (leverage) ratio10.1114%3,431
Tier 1 risk-based capital ratio19.0743%1,562
Total risk-based capital ratio20.3274%1,525
Memoranda:
Average total assets$34,548,0005,482
Average earning assets$31,979,0005,463
Average equity$3,590,0005,532
Average total loans$24,916,2505,214
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0321%3,080
Cost of funding earning assets0.1449%5,367
Net interest margin3.8872%1,982
Noninterest income to average assets0.5930%2,494
Noninterest expense to average assets2.8536%2,569
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.3622%1,146
Return on assets (ROA)1.3622%1,177
Pretax return on assets1.3622%2,160
Return on Equity (ROE)12.9092%1,059
Retained earnings to average equity (ytd only)-6.5659%5,579
Net charge-offs to loans-0.0406%5,082
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6880%3,068
Assets per employee ($millions)3.4603%4,783
Cash dividends to net income (ytd only)*150.8621%156
Condition Ratios (%)
Loss allowance to loans0.9217%4,545
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,332
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets71.4533%2,289
Net loans and leases to deposits79.4914%2,969
Net loans and leases to core deposits85.1353%2,959
Total domestic deposits to total assets89.8882%572
Equity capital to assets10.0454%3,857
Core capital (leverage) ratio10.2314%3,231
Tier 1 risk-based capital ratio20.5304%1,269
Total risk-based capital ratio21.7825%1,239
Memoranda:
Average total assets$34,062,3305,537
Average earning assets$31,745,0005,513
Average equity$3,594,3305,577
Average total loans$24,633,3305,260
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9733%3,134
Cost of funding earning assets0.1396%5,442
Net interest margin3.8336%2,004
Noninterest income to average assets0.6037%2,394
Noninterest expense to average assets2.8764%2,529
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.3021%1,235
Return on assets (ROA)1.3021%1,269
Pretax return on assets1.3021%2,228
Return on Equity (ROE)12.0432%1,224
Retained earnings to average equity (ytd only)12.0432%466
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8385%3,074
Assets per employee ($millions)3.0535%5,310
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.9133%4,706
Loan loss allowance to noncurrent loans3,750.0000%207
Noncurrent assets plus other real estate owned to assets0.0179%5,274
Noncurrent loans to loans0.0244%5,126
Net loans and leases to total assets72.6756%1,975
Net loans and leases to deposits81.7351%2,546
Net loans and leases to core deposits86.8564%2,648
Total domestic deposits to total assets88.9160%1,188
Equity capital to assets11.0334%2,597
Core capital (leverage) ratio10.8706%2,517
Tier 1 risk-based capital ratio19.0982%1,590
Total risk-based capital ratio20.2577%1,575
Memoranda:
Average total assets$33,792,0005,608
Average earning assets$31,510,5005,585
Average equity$3,653,5005,626
Average total loans$24,472,5005,319
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1862%2,531
Cost of funding earning assets0.1445%5,457
Net interest margin4.0417%1,521
Noninterest income to average assets0.6522%2,410
Noninterest expense to average assets2.6421%3,551
Loan and lease loss provision to assets-1.0598%5,903
Net operating income to assets2.7779%100
Return on assets (ROA)2.7779%101
Pretax return on assets2.7870%140
Return on Equity (ROE)30.0634%36
Retained earnings to average equity (ytd only)30.0634%17
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.4699%4,510
Assets per employee ($millions)3.0905%5,278
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.9256%4,673
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets70.8457%2,361
Net loans and leases to deposits79.7431%2,911
Net loans and leases to core deposits84.6776%2,961
Total domestic deposits to total assets88.8425%1,185
Equity capital to assets10.5927%3,051
Core capital (leverage) ratio10.5530%2,827
Tier 1 risk-based capital ratio18.4110%1,749
Total risk-based capital ratio18.4110%2,067
Memoranda:
Average total assets$33,118,0005,669
Average earning assets$30,457,4005,654
Average equity$3,060,2005,755
Average total loans$24,225,8005,381
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1804%2,574
Cost of funding earning assets0.1405%5,542
Net interest margin4.0399%1,554
Noninterest income to average assets0.6322%2,509
Noninterest expense to average assets2.4357%4,178
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets2.1723%258
Return on assets (ROA)2.1723%270
Pretax return on assets1.9250%665
Return on Equity (ROE)23.4311%111
Retained earnings to average equity (ytd only)23.4311%34
Net charge-offs to loans-1.9775%5,933
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.8550%5,078
Assets per employee ($millions)3.0116%5,380
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans2.3142%427
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,556
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets73.3941%1,968
Net loans and leases to deposits81.6207%2,779
Net loans and leases to core deposits86.7428%2,883
Total domestic deposits to total assets89.9209%511
Equity capital to assets9.9915%4,129
Core capital (leverage) ratio10.0154%3,551
Tier 1 risk-based capital ratio16.6265%2,369
Total risk-based capital ratio17.8873%2,309
Memoranda:
Average total assets$32,899,0005,736
Average earning assets$30,363,2505,715
Average equity$3,050,0005,814
Average total loans$24,205,0005,436
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1416%2,710
Cost of funding earning assets0.1321%5,675
Net interest margin4.0095%1,617
Noninterest income to average assets0.6581%2,337
Noninterest expense to average assets2.4739%4,105
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets2.2545%209
Return on assets (ROA)2.2545%220
Pretax return on assets1.8828%726
Return on Equity (ROE)24.9719%92
Retained earnings to average equity (ytd only)24.9719%32
Net charge-offs to loans-2.9946%6,012
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.7832%5,052
Assets per employee ($millions)2.9935%5,447
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans2.3617%422
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,652
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets72.3162%2,119
Net loans and leases to deposits80.0060%2,930
Net loans and leases to core deposits82.5007%3,223
Total domestic deposits to total assets90.3884%356
Equity capital to assets9.5478%4,718
Core capital (leverage) ratio9.8638%3,732
Tier 1 risk-based capital ratio15.9037%2,691
Total risk-based capital ratio17.1734%2,620
Memoranda:
Average total assets$32,822,6705,806
Average earning assets$30,278,3305,784
Average equity$2,963,3305,896
Average total loans$23,976,6705,503
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1427%2,674
Cost of funding earning assets0.1311%5,747
Net interest margin4.0116%1,578
Noninterest income to average assets0.6225%2,399
Noninterest expense to average assets2.6000%3,750
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.7577%504
Return on assets (ROA)1.7577%541
Pretax return on assets1.7577%926
Return on Equity (ROE)20.0487%245
Retained earnings to average equity (ytd only)20.0487%95
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.6639%4,793
Assets per employee ($millions)2.8432%5,654
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.9163%5,000
Loan loss allowance to noncurrent loans128.4024%3,087
Noncurrent assets plus other real estate owned to assets0.5404%3,448
Noncurrent loans to loans0.7136%3,050
Net loans and leases to total assets75.0312%1,547
Net loans and leases to deposits83.0067%2,429
Net loans and leases to core deposits85.7362%2,771
Total domestic deposits to total assets90.3917%468
Equity capital to assets9.3301%4,861
Core capital (leverage) ratio9.0641%4,781
Tier 1 risk-based capital ratio15.1482%3,086
Total risk-based capital ratio16.2747%3,083
Memoranda:
Average total assets$32,769,5005,864
Average earning assets$30,511,5005,837
Average equity$2,873,0005,959
Average total loans$23,770,5005,557
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0485%3,121
Cost of funding earning assets0.1458%5,713
Net interest margin3.9027%2,019
Noninterest income to average assets0.6195%2,622
Noninterest expense to average assets4.1507%569
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.0818%5,775
Return on assets (ROA)0.0818%5,819
Pretax return on assets0.0880%5,809
Return on Equity (ROE)0.8678%5,794
Retained earnings to average equity (ytd only)-11.6489%6,058
Net charge-offs to loans-0.0221%5,300
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.9228%345
Assets per employee ($millions)3.4264%4,941
Cash dividends to net income (ytd only)*1,442.3077%7
Condition Ratios (%)
Loss allowance to loans0.9095%5,051
Loan loss allowance to noncurrent loans2,411.1111%282
Noncurrent assets plus other real estate owned to assets0.0263%5,590
Noncurrent loans to loans0.0377%5,370
Net loans and leases to total assets68.9966%2,546
Net loans and leases to deposits75.6585%3,299
Net loans and leases to core deposits77.9023%3,558
Total domestic deposits to total assets91.1948%241
Equity capital to assets8.2536%5,734
Core capital (leverage) ratio8.6610%5,265
Tier 1 risk-based capital ratio14.1520%3,635
Total risk-based capital ratio15.2380%3,647
Memoranda:
Average total assets$31,802,2005,933
Average earning assets$29,492,4005,906
Average equity$2,996,0006,004
Average total loans$22,577,8005,631
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0688%3,066
Cost of funding earning assets0.1476%5,796
Net interest margin3.9212%1,962
Noninterest income to average assets0.6113%2,685
Noninterest expense to average assets3.7750%882
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.3677%5,271
Return on assets (ROA)0.3677%5,348
Pretax return on assets0.4703%5,294
Return on Equity (ROE)3.7742%5,116
Retained earnings to average equity (ytd only)-12.6833%6,159
Net charge-offs to loans-0.0239%5,261
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.9225%764
Assets per employee ($millions)3.1726%5,337
Cash dividends to net income (ytd only)*436.0631%24
Condition Ratios (%)
Loss allowance to loans0.8895%5,242
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets75.8589%1,405
Net loans and leases to deposits83.6880%2,443
Net loans and leases to core deposits86.3917%2,809
Total domestic deposits to total assets90.6449%351
Equity capital to assets9.1029%5,208
Core capital (leverage) ratio9.2262%4,694
Tier 1 risk-based capital ratio14.5257%3,557
Total risk-based capital ratio15.6121%3,565
Memoranda:
Average total assets$31,186,7506,024
Average earning assets$28,902,2505,999
Average equity$3,038,0006,082
Average total loans$22,257,7505,710
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9809%3,373
Cost of funding earning assets0.1606%5,771
Net interest margin3.8203%2,241
Noninterest income to average assets0.6192%2,631
Noninterest expense to average assets2.9413%2,748
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.8385%3,177
Return on assets (ROA)0.8385%3,291
Pretax return on assets1.2062%2,757
Return on Equity (ROE)8.4197%2,838
Retained earnings to average equity (ytd only)-15.8679%6,238
Net charge-offs to loans-0.0463%5,519
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.9176%3,178
Assets per employee ($millions)3.1437%5,414
Cash dividends to net income (ytd only)*288.4615%53
Condition Ratios (%)
Loss allowance to loans0.9326%5,174
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets73.3244%1,765
Net loans and leases to deposits81.1998%2,642
Net loans and leases to core deposits84.7962%2,905
Total domestic deposits to total assets90.3012%533
Equity capital to assets9.3266%4,865
Core capital (leverage) ratio9.4428%4,350
Tier 1 risk-based capital ratio13.9845%3,939
Total risk-based capital ratio15.0196%3,991
Memoranda:
Average total assets$31,007,0006,091
Average earning assets$28,636,6706,071
Average equity$3,088,0006,136
Average total loans$21,582,6705,787
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9786%3,309
Cost of funding earning assets0.1411%5,988
Net interest margin3.8375%2,107
Noninterest income to average assets0.6235%2,532
Noninterest expense to average assets2.5981%3,934
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.0782%1,940
Return on assets (ROA)1.0782%2,059
Pretax return on assets1.5588%1,368
Return on Equity (ROE)10.4864%1,799
Retained earnings to average equity (ytd only)10.4864%816
Net charge-offs to loans-0.0964%5,844
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5000%4,704
Assets per employee ($millions)2.8217%5,860
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.0285%4,877
Loan loss allowance to noncurrent loans5,425.0000%122
Noncurrent assets plus other real estate owned to assets0.0129%5,902
Noncurrent loans to loans0.0190%5,729
Net loans and leases to total assets67.2734%2,565
Net loans and leases to deposits75.4153%3,124
Net loans and leases to core deposits78.8438%3,291
Total domestic deposits to total assets89.2039%1,139
Equity capital to assets10.5029%3,531
Core capital (leverage) ratio10.4618%3,018
Tier 1 risk-based capital ratio16.9562%2,491
Total risk-based capital ratio18.0849%2,496
Memoranda:
Average total assets$30,792,0006,161
Average earning assets$28,352,0006,139
Average equity$3,166,0006,176
Average total loans$20,740,0005,868
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8548%4,299
Cost of funding earning assets0.1722%5,965
Net interest margin3.6826%3,073
Noninterest income to average assets0.6337%2,653
Noninterest expense to average assets2.6941%3,884
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.9353%2,700
Return on assets (ROA)0.9353%2,791
Pretax return on assets1.3453%2,089
Return on Equity (ROE)9.3395%2,419
Retained earnings to average equity (ytd only)-5.7187%6,207
Net charge-offs to loans-0.0818%6,069
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6946%4,113
Assets per employee ($millions)3.0545%5,628
Cash dividends to net income (ytd only)*161.2319%129
Condition Ratios (%)
Loss allowance to loans1.0401%4,854
Loan loss allowance to noncurrent loans5,300.0000%158
Noncurrent assets plus other real estate owned to assets0.0131%6,007
Noncurrent loans to loans0.0196%5,814
Net loans and leases to total assets66.0337%2,876
Net loans and leases to deposits73.8422%3,455
Net loans and leases to core deposits77.2442%3,589
Total domestic deposits to total assets89.4254%1,004
Equity capital to assets10.0573%4,034
Core capital (leverage) ratio9.6249%4,064
Tier 1 risk-based capital ratio15.9904%2,965
Total risk-based capital ratio17.0932%2,988
Memoranda:
Average total assets$29,509,2006,256
Average earning assets$27,290,8006,233
Average equity$2,955,2006,280
Average total loans$18,339,0006,028
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8086%4,511
Cost of funding earning assets0.1772%6,014
Net interest margin3.6315%3,304
Noninterest income to average assets0.6792%2,428
Noninterest expense to average assets2.9538%2,953
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.7658%3,590
Return on assets (ROA)0.7658%3,688
Pretax return on assets1.0894%3,233
Return on Equity (ROE)7.6552%3,381
Retained earnings to average equity (ytd only)-12.6220%6,424
Net charge-offs to loans-0.1047%6,153
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.0552%2,979
Assets per employee ($millions)2.9059%5,840
Cash dividends to net income (ytd only)*264.8868%54
Condition Ratios (%)
Loss allowance to loans1.0706%4,875
Loan loss allowance to noncurrent loans4,220.0000%162
Noncurrent assets plus other real estate owned to assets0.0172%6,105
Noncurrent loans to loans0.0254%5,921
Net loans and leases to total assets67.0945%2,670
Net loans and leases to deposits75.1967%3,285
Net loans and leases to core deposits78.8522%3,456
Total domestic deposits to total assets89.2254%1,112
Equity capital to assets9.5117%4,782
Core capital (leverage) ratio9.3703%4,543
Tier 1 risk-based capital ratio14.9379%3,627
Total risk-based capital ratio16.0778%3,624
Memoranda:
Average total assets$29,250,2506,336
Average earning assets$27,095,5006,312
Average equity$2,926,0006,356
Average total loans$17,828,2506,112
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6684%4,956
Cost of funding earning assets0.1764%6,098
Net interest margin3.4919%3,816
Noninterest income to average assets0.6550%2,513
Noninterest expense to average assets2.9883%2,871
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.6482%4,108
Return on assets (ROA)0.6482%4,211
Pretax return on assets0.9074%3,865
Return on Equity (ROE)6.3758%3,952
Retained earnings to average equity (ytd only)-23.4899%6,557
Net charge-offs to loans-0.1279%6,218
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.7075%2,507
Assets per employee ($millions)2.5625%6,246
Cash dividends to net income (ytd only)*468.4211%33
Condition Ratios (%)
Loss allowance to loans1.1372%4,725
Loan loss allowance to noncurrent loans371.4286%1,237
Noncurrent assets plus other real estate owned to assets0.1987%5,524
Noncurrent loans to loans0.3062%5,097
Net loans and leases to total assets64.1514%3,054
Net loans and leases to deposits71.8292%3,595
Net loans and leases to core deposits75.4307%3,684
Total domestic deposits to total assets89.3111%1,200
Equity capital to assets9.5466%4,688
Core capital (leverage) ratio9.2649%4,644
Tier 1 risk-based capital ratio15.4225%3,398
Total risk-based capital ratio16.6142%3,379
Memoranda:
Average total assets$29,314,0006,396
Average earning assets$27,205,6706,370
Average equity$2,980,0006,402
Average total loans$17,201,6706,191
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5353%5,335
Cost of funding earning assets0.1725%6,213
Net interest margin3.3629%4,281
Noninterest income to average assets0.6159%2,643
Noninterest expense to average assets3.0793%2,592
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.4820%4,778
Return on assets (ROA)0.4820%4,851
Pretax return on assets0.6694%4,599
Return on Equity (ROE)4.6087%4,737
Retained earnings to average equity (ytd only)4.6087%3,353
Net charge-offs to loans-0.2161%6,410
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.1429%1,911
Assets per employee ($millions)2.7156%6,188
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.2082%4,596
Loan loss allowance to noncurrent loans294.2857%1,512
Noncurrent assets plus other real estate owned to assets0.2343%5,501
Noncurrent loans to loans0.4106%4,902
Net loans and leases to total assets56.3873%4,095
Net loans and leases to deposits63.5191%4,373
Net loans and leases to core deposits67.2013%4,383
Total domestic deposits to total assets88.7721%1,792
Equity capital to assets10.2939%3,482
Core capital (leverage) ratio10.3735%3,088
Tier 1 risk-based capital ratio18.1053%2,249
Total risk-based capital ratio19.3174%2,245
Memoranda:
Average total assets$29,877,0006,449
Average earning assets$27,833,5006,423
Average equity$3,124,5006,422
Average total loans$16,657,0006,275
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9207%4,386
Cost of funding earning assets0.2221%6,164
Net interest margin3.6986%3,062
Noninterest income to average assets0.7109%2,482
Noninterest expense to average assets2.7256%4,008
Loan and lease loss provision to assets0.0451%4,222
Net operating income to assets0.8981%2,795
Return on assets (ROA)0.8981%2,881
Pretax return on assets1.2900%2,200
Return on Equity (ROE)8.7129%2,692
Retained earnings to average equity (ytd only)0.3028%5,709
Net charge-offs to loans-0.0789%6,430
Credit loss provision to net charge-offs-100.0000%5,873
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.1221%4,351
Assets per employee ($millions)2.9882%5,852
Cash dividends to net income (ytd only)*96.5251%491
Condition Ratios (%)
Loss allowance to loans1.2113%4,601
Loan loss allowance to noncurrent loans1,970.0000%301
Noncurrent assets plus other real estate owned to assets0.0335%6,282
Noncurrent loans to loans0.0615%6,046
Net loans and leases to total assets53.7682%4,614
Net loans and leases to deposits60.4227%4,904
Net loans and leases to core deposits63.9126%4,875
Total domestic deposits to total assets88.9867%1,640
Equity capital to assets10.6218%3,017
Core capital (leverage) ratio10.5496%2,850
Tier 1 risk-based capital ratio19.2371%1,853
Total risk-based capital ratio20.4299%1,833
Memoranda:
Average total assets$28,837,6006,547
Average earning assets$26,118,0006,526
Average equity$2,972,6006,537
Average total loans$16,481,4006,350
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9901%4,168
Cost of funding earning assets0.2381%6,169
Net interest margin3.7521%2,838
Noninterest income to average assets0.7185%2,516
Noninterest expense to average assets2.9627%3,100
Loan and lease loss provision to assets0.0606%3,832
Net operating income to assets0.7652%3,530
Return on assets (ROA)0.7652%3,660
Pretax return on assets1.0778%3,199
Return on Equity (ROE)7.4826%3,386
Retained earnings to average equity (ytd only)-3.9237%6,436
Net charge-offs to loans-0.0726%6,416
Credit loss provision to net charge-offs-144.4444%5,843
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2412%3,360
Assets per employee ($millions)2.9066%6,003
Cash dividends to net income (ytd only)*152.4421%129
Condition Ratios (%)
Loss allowance to loans1.1854%4,934
Loan loss allowance to noncurrent loans227.0588%1,787
Noncurrent assets plus other real estate owned to assets0.2924%5,555
Noncurrent loans to loans0.5220%4,892
Net loans and leases to total assets55.3533%4,408
Net loans and leases to deposits62.2086%4,731
Net loans and leases to core deposits65.9061%4,723
Total domestic deposits to total assets88.9803%1,563
Equity capital to assets10.1218%3,741
Core capital (leverage) ratio10.0457%3,610
Tier 1 risk-based capital ratio17.7011%2,439
Total risk-based capital ratio18.8608%2,442
Memoranda:
Average total assets$28,576,5006,624
Average earning assets$25,762,7506,611
Average equity$2,922,2506,620
Average total loans$16,535,7506,411
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0762%3,826
Cost of funding earning assets0.2533%6,156
Net interest margin3.8230%2,465
Noninterest income to average assets0.7039%2,615
Noninterest expense to average assets3.0056%2,985
Loan and lease loss provision to assets0.0915%3,260
Net operating income to assets0.7039%3,784
Return on assets (ROA)0.7039%3,957
Pretax return on assets1.0066%3,481
Return on Equity (ROE)6.8595%3,692
Retained earnings to average equity (ytd only)-10.2892%6,674
Net charge-offs to loans-0.0241%6,034
Credit loss provision to net charge-offs-650.0000%5,960
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2419%3,270
Assets per employee ($millions)2.8986%6,023
Cash dividends to net income (ytd only)*250.0000%60
Condition Ratios (%)
Loss allowance to loans1.1076%5,411
Loan loss allowance to noncurrent loans281.8182%1,494
Noncurrent assets plus other real estate owned to assets0.2277%5,801
Noncurrent loans to loans0.3930%5,291
Net loans and leases to total assets57.2932%4,097
Net loans and leases to deposits64.1692%4,477
Net loans and leases to core deposits69.4098%4,337
Total domestic deposits to total assets89.2845%1,459
Equity capital to assets9.9186%4,017
Core capital (leverage) ratio10.2311%3,183
Tier 1 risk-based capital ratio16.8706%2,760
Total risk-based capital ratio17.9594%2,808
Memoranda:
Average total assets$28,413,3306,682
Average earning assets$25,268,3306,672
Average equity$2,915,6706,676
Average total loans$16,620,3306,448
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1925%3,335
Cost of funding earning assets0.2752%6,132
Net interest margin3.9173%2,060
Noninterest income to average assets0.6968%2,606
Noninterest expense to average assets2.9296%3,230
Loan and lease loss provision to assets0.0284%4,107
Net operating income to assets0.8248%3,026
Return on assets (ROA)0.8248%3,169
Pretax return on assets1.1804%2,645
Return on Equity (ROE)7.9019%3,026
Retained earnings to average equity (ytd only)-26.1580%6,883
Net charge-offs to loans-0.0484%6,117
Credit loss provision to net charge-offs-100.0000%5,136
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.7904%3,825
Assets per employee ($millions)2.8066%6,272
Cash dividends to net income (ytd only)*431.0345%39
Condition Ratios (%)
Loss allowance to loans1.0487%5,800
Loan loss allowance to noncurrent loans760.8696%596
Noncurrent assets plus other real estate owned to assets0.0819%6,346
Noncurrent loans to loans0.1378%6,053
Net loans and leases to total assets58.8328%3,647
Net loans and leases to deposits66.0137%4,051
Net loans and leases to core deposits71.6045%3,867
Total domestic deposits to total assets89.1221%1,611
Equity capital to assets10.1190%3,991
Core capital (leverage) ratio9.8352%3,616
Tier 1 risk-based capital ratio16.9289%2,778
Total risk-based capital ratio17.9721%2,866
Memoranda:
Average total assets$28,127,0006,754
Average earning assets$24,711,0006,754
Average equity$2,936,0006,739
Average total loans$16,534,0006,503
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7175%2,528
Cost of funding earning assets0.3399%6,272
Net interest margin4.3776%1,207
Noninterest income to average assets0.7495%2,499
Noninterest expense to average assets2.9260%3,543
Loan and lease loss provision to assets0.1622%3,586
Net operating income to assets1.0522%2,113
Return on assets (ROA)1.0522%2,308
Pretax return on assets1.5135%1,642
Return on Equity (ROE)10.1052%2,128
Retained earnings to average equity (ytd only)10.1052%582
Net charge-offs to loans0.1483%4,208
Credit loss provision to net charge-offs173.0769%1,522
Earnings coverage of net charge-offs (x)17.8846%1,478
Efficiency ratio63.5865%4,968
Assets per employee ($millions)2.8188%6,287
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.0439%5,787
Loan loss allowance to noncurrent loans743.4783%586
Noncurrent assets plus other real estate owned to assets0.0816%6,396
Noncurrent loans to loans0.1404%6,133
Net loans and leases to total assets57.5067%4,057
Net loans and leases to deposits64.9179%4,438
Net loans and leases to core deposits70.4201%4,245
Total domestic deposits to total assets88.5838%1,848
Equity capital to assets10.7564%3,217
Core capital (leverage) ratio10.2881%3,026
Tier 1 risk-based capital ratio18.3391%2,158
Total risk-based capital ratio19.3734%2,189
Memoranda:
Average total assets$27,750,8006,809
Average earning assets$24,419,6006,805
Average equity$2,889,6006,809
Average total loans$17,537,4006,535
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7961%2,407
Cost of funding earning assets0.3379%6,431
Net interest margin4.4582%1,078
Noninterest income to average assets0.7476%2,495
Noninterest expense to average assets3.0919%2,914
Loan and lease loss provision to assets0.0338%5,352
Net operating income to assets1.0901%2,129
Return on assets (ROA)1.0901%2,324
Pretax return on assets1.5677%1,678
Return on Equity (ROE)10.5582%2,111
Retained earnings to average equity (ytd only)10.5582%774
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8787%4,469
Assets per employee ($millions)2.4887%6,703
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.9033%6,370
Loan loss allowance to noncurrent loans387.8049%967
Noncurrent assets plus other real estate owned to assets0.1498%6,338
Noncurrent loans to loans0.2329%6,024
Net loans and leases to total assets63.7164%3,074
Net loans and leases to deposits72.0874%3,601
Net loans and leases to core deposits78.6358%3,370
Total domestic deposits to total assets88.3876%1,795
Equity capital to assets10.8380%3,457
Core capital (leverage) ratio10.8904%2,499
Tier 1 risk-based capital ratio17.2914%2,609
Total risk-based capital ratio18.2242%2,706
Memoranda:
Average total assets$27,641,5006,899
Average earning assets$24,463,5006,889
Average equity$2,854,0006,902
Average total loans$17,826,5006,604
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7516%2,712
Cost of funding earning assets0.3308%6,596
Net interest margin4.4208%1,150
Noninterest income to average assets0.7357%2,490
Noninterest expense to average assets3.1590%2,723
Loan and lease loss provision to assets0.0505%5,036
Net operating income to assets1.0242%2,364
Return on assets (ROA)1.0242%2,588
Pretax return on assets1.4785%1,926
Return on Equity (ROE)10.0840%2,323
Retained earnings to average equity (ytd only)10.0840%953
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3846%4,258
Assets per employee ($millions)2.1296%7,004
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.8702%6,530
Loan loss allowance to noncurrent loans795.0000%503
Noncurrent assets plus other real estate owned to assets0.0722%6,632
Noncurrent loans to loans0.1095%6,391
Net loans and leases to total assets65.4217%2,785
Net loans and leases to deposits73.4975%3,379
Net loans and leases to core deposits80.0389%3,217
Total domestic deposits to total assets89.0121%1,499
Equity capital to assets10.4064%3,804
Core capital (leverage) ratio10.6386%2,676
Tier 1 risk-based capital ratio16.1620%3,088
Total risk-based capital ratio17.0592%3,232
Memoranda:
Average total assets$27,730,0006,952
Average earning assets$24,791,6706,939
Average equity$2,816,3306,949
Average total loans$17,901,3306,652
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6209%3,407
Cost of funding earning assets0.3518%6,627
Net interest margin4.2691%1,567
Noninterest income to average assets0.6918%2,701
Noninterest expense to average assets2.8394%3,865
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.1819%1,794
Return on assets (ROA)1.1819%1,974
Pretax return on assets1.7007%1,298
Return on Equity (ROE)11.7816%1,743
Retained earnings to average equity (ytd only)11.7816%859
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5397%5,182
Assets per employee ($millions)2.4795%6,862
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.8469%6,648
Loan loss allowance to noncurrent loans286.7925%1,170
Noncurrent assets plus other real estate owned to assets0.1943%6,401
Noncurrent loans to loans0.2953%6,081
Net loans and leases to total assets65.2429%2,613
Net loans and leases to deposits73.1251%3,259
Net loans and leases to core deposits78.6693%3,235
Total domestic deposits to total assets89.2209%1,539
Equity capital to assets10.3538%3,667
Core capital (leverage) ratio10.4274%2,839
Tier 1 risk-based capital ratio16.3311%3,000
Total risk-based capital ratio17.2162%3,160
Memoranda:
Average total assets$27,752,5007,005
Average earning assets$25,017,0006,979
Average equity$2,784,0007,005
Average total loans$17,716,5006,720
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5507%4,872
Cost of funding earning assets0.4728%6,644
Net interest margin4.0779%2,533
Noninterest income to average assets0.9777%1,430
Noninterest expense to average assets3.0133%3,543
Loan and lease loss provision to assets1.1517%779
Net operating income to assets0.3445%5,092
Return on assets (ROA)0.3445%5,245
Pretax return on assets0.4141%5,244
Return on Equity (ROE)3.7806%4,961
Retained earnings to average equity (ytd only)-0.6492%5,956
Net charge-offs to loans1.4886%1,078
Credit loss provision to net charge-offs134.0081%2,256
Earnings coverage of net charge-offs (x)1.8219%4,417
Efficiency ratio65.8055%4,810
Assets per employee ($millions)2.3525%6,962
Cash dividends to net income (ytd only)*117.1717%223
Condition Ratios (%)
Loss allowance to loans0.8693%6,607
Loan loss allowance to noncurrent loans316.6667%1,053
Noncurrent assets plus other real estate owned to assets0.1700%6,527
Noncurrent loans to loans0.2745%6,175
Net loans and leases to total assets61.4028%3,711
Net loans and leases to deposits68.1904%4,413
Net loans and leases to core deposits72.2100%4,494
Total domestic deposits to total assets90.0461%970
Equity capital to assets9.7202%4,563
Core capital (leverage) ratio9.6063%3,857
Tier 1 risk-based capital ratio16.1347%2,983
Total risk-based capital ratio17.0357%3,125
Memoranda:
Average total assets$28,739,6007,003
Average earning assets$25,380,6007,001
Average equity$2,618,6007,090
Average total loans$16,592,6006,820
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6049%4,847
Cost of funding earning assets0.5105%6,659
Net interest margin4.0944%2,497
Noninterest income to average assets0.5912%3,225
Noninterest expense to average assets2.8729%4,044
Loan and lease loss provision to assets0.4388%2,279
Net operating income to assets0.5820%4,165
Return on assets (ROA)0.5820%4,348
Pretax return on assets0.8730%3,871
Return on Equity (ROE)6.4934%3,772
Retained earnings to average equity (ytd only)5.8232%2,660
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6534%4,184
Assets per employee ($millions)2.1488%7,173
Cash dividends to net income (ytd only)*10.3155%3,263
Condition Ratios (%)
Loss allowance to loans0.9950%6,297
Loan loss allowance to noncurrent loans93.1429%3,139
Noncurrent assets plus other real estate owned to assets0.6265%5,570
Noncurrent loans to loans1.0682%4,779
Net loans and leases to total assets58.0619%4,507
Net loans and leases to deposits64.6381%5,093
Net loans and leases to core deposits69.3742%5,022
Total domestic deposits to total assets89.8260%960
Equity capital to assets9.5797%4,960
Core capital (leverage) ratio9.3074%4,443
Tier 1 risk-based capital ratio16.5664%2,830
Total risk-based capital ratio17.5777%2,920
Memoranda:
Average total assets$28,867,0007,069
Average earning assets$25,334,7507,074
Average equity$2,587,2507,167
Average total loans$16,369,2506,899
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4914%5,382
Cost of funding earning assets0.5302%6,743
Net interest margin3.9612%3,033
Noninterest income to average assets0.5415%3,545
Noninterest expense to average assets2.9269%3,917
Loan and lease loss provision to assets0.6169%1,549
Net operating income to assets0.3564%5,150
Return on assets (ROA)0.3564%5,286
Pretax return on assets0.4798%5,134
Return on Equity (ROE)4.0662%4,911
Retained earnings to average equity (ytd only)3.0497%4,338
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.7428%3,593
Assets per employee ($millions)2.4549%6,964
Cash dividends to net income (ytd only)*25.0000%2,677
Condition Ratios (%)
Loss allowance to loans0.9481%6,514
Loan loss allowance to noncurrent loans102.5974%2,804
Noncurrent assets plus other real estate owned to assets0.5228%5,863
Noncurrent loans to loans0.9241%5,120
Net loans and leases to total assets56.0338%4,990
Net loans and leases to deposits61.7223%5,535
Net loans and leases to core deposits65.9357%5,524
Total domestic deposits to total assets90.7838%599
Equity capital to assets8.7885%5,833
Core capital (leverage) ratio8.6523%5,302
Tier 1 risk-based capital ratio15.6779%3,143
Total risk-based capital ratio16.6324%3,258
Memoranda:
Average total assets$29,178,0007,126
Average earning assets$25,649,0007,134
Average equity$2,557,6707,237
Average total loans$16,365,0006,962
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4035%5,682
Cost of funding earning assets0.5171%6,909
Net interest margin3.8864%3,209
Noninterest income to average assets0.5372%3,601
Noninterest expense to average assets2.9617%3,808
Loan and lease loss provision to assets1.0331%728
Net operating income to assets-0.0551%6,417
Return on assets (ROA)-0.0551%6,436
Pretax return on assets-0.0413%6,395
Return on Equity (ROE)-0.6294%6,443
Retained earnings to average equity (ytd only)-2.6751%6,249
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.9129%3,344
Assets per employee ($millions)2.4984%6,986
Cash dividends to net income (ytd only)*-325.0000%7,554
Condition Ratios (%)
Loss allowance to loans0.8668%6,786
Loan loss allowance to noncurrent loans35.1351%5,954
Noncurrent assets plus other real estate owned to assets1.3575%4,256
Noncurrent loans to loans2.4670%3,028
Net loans and leases to total assets54.5512%5,226
Net loans and leases to deposits59.7487%5,748
Net loans and leases to core deposits63.7249%5,763
Total domestic deposits to total assets91.3012%484
Equity capital to assets8.4520%5,975
Core capital (leverage) ratio8.8193%4,898
Tier 1 risk-based capital ratio14.8038%3,542
Total risk-based capital ratio15.6376%3,776
Memoranda:
Average total assets$29,037,5007,181
Average earning assets$25,525,0007,185
Average equity$2,542,0007,286
Average total loans$16,215,0007,023
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7774%5,499
Cost of funding earning assets0.6367%7,041
Net interest margin4.1407%2,408
Noninterest income to average assets0.6009%3,471
Noninterest expense to average assets3.4614%2,271
Loan and lease loss provision to assets0.5377%2,999
Net operating income to assets0.3092%4,907
Return on assets (ROA)0.3092%5,077
Pretax return on assets0.4182%4,888
Return on Equity (ROE)3.4758%4,765
Retained earnings to average equity (ytd only)3.4758%3,437
Net charge-offs to loans0.9574%2,261
Credit loss provision to net charge-offs95.6250%4,866
Earnings coverage of net charge-offs (x)1.7000%4,448
Efficiency ratio78.3612%2,639
Assets per employee ($millions)2.3412%7,181
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.4268%7,406
Loan loss allowance to noncurrent loans36.9565%5,845
Noncurrent assets plus other real estate owned to assets0.6549%5,695
Noncurrent loans to loans1.1549%4,796
Net loans and leases to total assets56.4676%5,262
Net loans and leases to deposits63.5068%5,681
Net loans and leases to core deposits68.1560%5,644
Total domestic deposits to total assets88.9158%1,706
Equity capital to assets9.0767%5,029
Core capital (leverage) ratio8.8698%4,751
Tier 1 risk-based capital ratio15.6800%2,904
Total risk-based capital ratio16.0972%3,300
Memoranda:
Average total assets$28,456,6007,258
Average earning assets$26,227,6007,219
Average equity$2,531,8007,390
Average total loans$16,712,0007,084
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8439%5,498
Cost of funding earning assets0.6502%7,180
Net interest margin4.1937%2,238
Noninterest income to average assets0.5558%3,748
Noninterest expense to average assets2.7836%4,556
Loan and lease loss provision to assets0.7146%2,136
Net operating income to assets0.6025%3,870
Return on assets (ROA)0.6025%4,028
Pretax return on assets0.9435%3,394
Return on Equity (ROE)6.8058%3,429
Retained earnings to average equity (ytd only)6.8058%1,941
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.6709%5,495
Assets per employee ($millions)2.4966%7,086
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.3715%4,617
Loan loss allowance to noncurrent loans760.0000%455
Noncurrent assets plus other real estate owned to assets0.1092%7,086
Noncurrent loans to loans0.1805%6,824
Net loans and leases to total assets59.7021%4,963
Net loans and leases to deposits69.1902%5,249
Net loans and leases to core deposits74.5374%5,227
Total domestic deposits to total assets86.2870%2,927
Equity capital to assets9.4709%4,890
Core capital (leverage) ratio9.1653%4,433
Tier 1 risk-based capital ratio15.8180%2,854
Total risk-based capital ratio17.1275%2,769
Memoranda:
Average total assets$28,547,2507,346
Average earning assets$26,451,7507,301
Average equity$2,527,2507,486
Average total loans$16,907,0007,173
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7566%5,945
Cost of funding earning assets0.6507%7,293
Net interest margin4.1059%2,531
Noninterest income to average assets0.5673%3,570
Noninterest expense to average assets2.7397%4,740
Loan and lease loss provision to assets1.0585%1,366
Net operating income to assets0.4220%4,650
Return on assets (ROA)0.4220%4,806
Pretax return on assets0.5673%4,681
Return on Equity (ROE)4.8748%4,350
Retained earnings to average equity (ytd only)4.8748%2,972
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.7575%5,561
Assets per employee ($millions)2.6251%6,904
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.3832%4,507
Loan loss allowance to noncurrent loans518.1818%629
Noncurrent assets plus other real estate owned to assets0.1524%7,009
Noncurrent loans to loans0.2669%6,697
Net loans and leases to total assets56.2924%5,661
Net loans and leases to deposits64.4043%5,988
Net loans and leases to core deposits66.7886%6,179
Total domestic deposits to total assets87.4048%2,324
Equity capital to assets8.7789%5,780
Core capital (leverage) ratio8.7285%5,038
Tier 1 risk-based capital ratio14.9884%3,155
Total risk-based capital ratio16.2923%3,102
Memoranda:
Average total assets$28,908,6707,391
Average earning assets$26,742,0007,347
Average equity$2,502,6707,550
Average total loans$17,001,3307,221
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8185%5,821
Cost of funding earning assets0.6884%7,357
Net interest margin4.1301%2,320
Noninterest income to average assets0.5532%3,628
Noninterest expense to average assets2.7658%4,626
Loan and lease loss provision to assets0.7329%1,734
Net operating income to assets0.6223%3,791
Return on assets (ROA)0.6223%3,929
Pretax return on assets0.8712%3,574
Return on Equity (ROE)7.2391%3,226
Retained earnings to average equity (ytd only)7.2391%2,034
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.2911%5,614
Assets per employee ($millions)2.6261%6,991
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.7493%7,242
Loan loss allowance to noncurrent loans65.3061%4,096
Noncurrent assets plus other real estate owned to assets0.6785%5,817
Noncurrent loans to loans1.1474%5,074
Net loans and leases to total assets58.6908%5,322
Net loans and leases to deposits65.6903%5,855
Net loans and leases to core deposits68.0638%6,096
Total domestic deposits to total assets89.3447%1,334
Equity capital to assets8.6683%5,776
Core capital (leverage) ratio8.7417%4,950
Tier 1 risk-based capital ratio14.4858%3,382
Total risk-based capital ratio15.2266%3,629
Memoranda:
Average total assets$28,925,0007,480
Average earning assets$26,730,5007,436
Average equity$2,486,5007,638
Average total loans$17,260,5007,299
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3396%4,984
Cost of funding earning assets1.0407%7,120
Net interest margin4.2989%1,724
Noninterest income to average assets0.6821%3,074
Noninterest expense to average assets3.6854%1,940
Loan and lease loss provision to assets0.2750%5,213
Net operating income to assets0.3630%4,279
Return on assets (ROA)0.3630%4,377
Pretax return on assets0.7811%3,302
Return on Equity (ROE)3.9109%4,130
Retained earnings to average equity (ytd only)-12.0882%6,689
Net charge-offs to loans1.1542%2,121
Credit loss provision to net charge-offs37.5000%6,851
Earnings coverage of net charge-offs (x)1.4400%4,685
Efficiency ratio77.7262%3,237
Assets per employee ($millions)2.4136%7,337
Cash dividends to net income (ytd only)*409.0909%70
Condition Ratios (%)
Loss allowance to loans0.4301%7,729
Loan loss allowance to noncurrent loans25.5102%6,763
Noncurrent assets plus other real estate owned to assets1.0151%5,085
Noncurrent loans to loans1.6859%4,119
Net loans and leases to total assets59.9524%5,345
Net loans and leases to deposits66.9778%5,951
Net loans and leases to core deposits75.6404%6,427
Total domestic deposits to total assets89.5108%1,204
Equity capital to assets8.5247%5,841
Core capital (leverage) ratio8.5318%5,235
Tier 1 risk-based capital ratio14.0124%3,490
Total risk-based capital ratio14.4382%3,968
Memoranda:
Average total assets$27,269,4007,573
Average earning assets$25,750,8007,517
Average equity$2,531,4007,724
Average total loans$17,327,8007,336
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5632%4,079
Cost of funding earning assets1.1074%7,163
Net interest margin4.4558%1,305
Noninterest income to average assets0.7052%2,984
Noninterest expense to average assets3.1835%3,355
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets0.5761%3,699
Return on assets (ROA)0.5761%3,768
Pretax return on assets1.7382%901
Return on Equity (ROE)6.0722%3,497
Retained earnings to average equity (ytd only)-15.1284%7,139
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6821%5,619
Assets per employee ($millions)2.7570%6,719
Cash dividends to net income (ytd only)*349.1465%97
Condition Ratios (%)
Loss allowance to loans1.1414%5,469
Loan loss allowance to noncurrent loans185.1852%1,587
Noncurrent assets plus other real estate owned to assets0.3917%6,478
Noncurrent loans to loans0.6164%6,074
Net loans and leases to total assets62.8292%5,104
Net loans and leases to deposits71.9502%5,664
Net loans and leases to core deposits85.1371%5,958
Total domestic deposits to total assets87.3232%1,999
Equity capital to assets9.0207%5,454
Core capital (leverage) ratio9.0088%4,633
Tier 1 risk-based capital ratio14.3924%3,334
Total risk-based capital ratio15.5508%3,334
Memoranda:
Average total assets$26,846,0007,656
Average earning assets$25,404,5007,592
Average equity$2,547,0007,793
Average total loans$17,300,0007,400
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7307%3,388
Cost of funding earning assets1.2002%7,102
Net interest margin4.5305%1,096
Noninterest income to average assets0.7442%2,733
Noninterest expense to average assets2.8115%4,914
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.3458%4,694
Return on assets (ROA)0.3458%4,810
Pretax return on assets2.2177%346
Return on Equity (ROE)3.5840%4,673
Retained earnings to average equity (ytd only)-27.9704%7,655
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.9043%7,131
Assets per employee ($millions)2.6090%7,037
Cash dividends to net income (ytd only)*880.4348%42
Condition Ratios (%)
Loss allowance to loans1.1448%5,300
Loan loss allowance to noncurrent loans123.4568%2,397
Noncurrent assets plus other real estate owned to assets0.6209%5,864
Noncurrent loans to loans0.9273%5,361
Net loans and leases to total assets66.1978%4,529
Net loans and leases to deposits76.6476%5,074
Net loans and leases to core deposits93.7317%5,145
Total domestic deposits to total assets86.3664%2,586
Equity capital to assets9.3101%4,853
Core capital (leverage) ratio9.0957%4,474
Tier 1 risk-based capital ratio14.1375%3,436
Total risk-based capital ratio15.3034%3,427
Memoranda:
Average total assets$26,604,6707,737
Average earning assets$25,162,6707,672
Average equity$2,567,0007,870
Average total loans$17,226,0007,473
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8033%3,282
Cost of funding earning assets1.2843%7,067
Net interest margin4.5190%1,085
Noninterest income to average assets0.7445%2,632
Noninterest expense to average assets2.5463%5,662
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.5040%930
Return on assets (ROA)1.5040%998
Pretax return on assets2.4421%283
Return on Equity (ROE)15.3263%917
Retained earnings to average equity (ytd only)-46.1305%8,014
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.0448%7,507
Assets per employee ($millions)2.4676%7,343
Cash dividends to net income (ytd only)*400.9901%103
Condition Ratios (%)
Loss allowance to loans1.1434%5,167
Loan loss allowance to noncurrent loans173.9130%1,880
Noncurrent assets plus other real estate owned to assets0.4237%6,235
Noncurrent loans to loans0.6575%5,762
Net loans and leases to total assets63.7010%5,041
Net loans and leases to deposits74.8334%5,370
Net loans and leases to core deposits90.0151%5,551
Total domestic deposits to total assets85.1238%3,145
Equity capital to assets9.1586%5,139
Core capital (leverage) ratio9.3473%4,176
Tier 1 risk-based capital ratio14.2981%3,433
Total risk-based capital ratio15.4516%3,410
Memoranda:
Average total assets$26,862,0007,768
Average earning assets$25,227,0007,716
Average equity$2,636,0007,892
Average total loans$17,103,5007,528
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3843%3,502
Cost of funding earning assets1.5641%7,515
Net interest margin4.8202%748
Noninterest income to average assets0.8010%2,508
Noninterest expense to average assets3.2976%2,968
Loan and lease loss provision to assets0.2882%4,074
Net operating income to assets0.8459%3,236
Return on assets (ROA)0.8459%3,075
Pretax return on assets1.7255%1,090
Return on Equity (ROE)7.9071%3,109
Retained earnings to average equity (ytd only)-16.5839%7,549
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.0860%5,938
Assets per employee ($millions)2.4164%7,372
Cash dividends to net income (ytd only)*309.7345%186
Condition Ratios (%)
Loss allowance to loans1.1965%4,561
Loan loss allowance to noncurrent loans176.9912%2,164
Noncurrent assets plus other real estate owned to assets0.4251%5,943
Noncurrent loans to loans0.6760%5,342
Net loans and leases to total assets62.1369%5,606
Net loans and leases to deposits69.6760%6,303
Net loans and leases to core deposits81.2236%6,518
Total domestic deposits to total assets89.1798%973
Equity capital to assets10.4816%3,525
Core capital (leverage) ratio10.3744%3,095
Tier 1 risk-based capital ratio16.5257%2,478
Total risk-based capital ratio17.7171%2,431
Memoranda:
Average total assets$26,716,4007,775
Average earning assets$24,998,8007,739
Average equity$2,858,2007,878
Average total loans$17,404,6007,497