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First Security Bank - West, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5375%2,549
Cost of funding earning assets0.1230%4,199
Net interest margin3.4145%1,977
Noninterest income to average assets0.1765%4,273
Noninterest expense to average assets2.1568%3,213
Loan and lease loss provision to assets1.4852%15
Net operating income to assets-0.5558%4,769
Return on assets (ROA)-0.4992%4,767
Pretax return on assets-0.4992%4,763
Return on Equity (ROE)-4.1903%4,768
Retained earnings to average equity (ytd only)-4.1903%4,688
Net charge-offs to loans0.0585%1,199
Credit loss provision to net charge-offs5,128.5714%144
Earnings coverage of net charge-offs (x)32.0952%1,559
Efficiency ratio69.8838%1,747
Assets per employee ($millions)7.9132%1,378
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans5.4096%34
Loan loss allowance to noncurrent loans83.1827%3,565
Noncurrent assets plus other real estate owned to assets2.7970%84
Noncurrent loans to loans6.5032%42
Net loans and leases to total assets40.6830%4,051
Net loans and leases to deposits46.0709%4,088
Net loans and leases to core deposits46.7571%4,155
Total domestic deposits to total assets88.3051%1,870
Equity capital to assets11.6823%1,404
Core capital (leverage) ratio11.6569%1,220
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.2950%337
Memoranda:
Average total assets$72,514,6004,310
Average earning assets$61,795,0004,366
Average equity$8,639,0004,274
Average total loans$35,888,6004,274
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6137%2,518
Cost of funding earning assets0.1285%4,274
Net interest margin3.4852%1,914
Noninterest income to average assets0.1647%4,378
Noninterest expense to average assets2.0264%3,595
Loan and lease loss provision to assets1.9440%9
Net operating income to assets-0.8768%4,856
Return on assets (ROA)-0.8256%4,855
Pretax return on assets-0.8256%4,851
Return on Equity (ROE)-6.8968%4,865
Retained earnings to average equity (ytd only)-6.8968%4,816
Net charge-offs to loans0.0717%934
Credit loss provision to net charge-offs5,310.0000%149
Earnings coverage of net charge-offs (x)29.1500%1,541
Efficiency ratio65.5030%2,173
Assets per employee ($millions)7.5577%1,534
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans5.2640%32
Loan loss allowance to noncurrent loans80.3816%3,629
Noncurrent assets plus other real estate owned to assets3.0050%84
Noncurrent loans to loans6.5488%48
Net loans and leases to total assets43.4717%3,994
Net loans and leases to deposits49.5484%4,027
Net loans and leases to core deposits50.3242%4,119
Total domestic deposits to total assets87.7358%1,986
Equity capital to assets12.2422%1,291
Core capital (leverage) ratio11.3650%1,437
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.5616%397
Memoranda:
Average total assets$72,838,5004,359
Average earning assets$61,209,2504,431
Average equity$8,718,7504,329
Average total loans$37,203,0004,304
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7160%2,291
Cost of funding earning assets0.1392%4,286
Net interest margin3.5768%1,646
Noninterest income to average assets0.2042%4,181
Noninterest expense to average assets1.9988%3,700
Loan and lease loss provision to assets2.8128%5
Net operating income to assets-1.6388%4,916
Return on assets (ROA)-1.5877%4,916
Pretax return on assets-1.5877%4,911
Return on Equity (ROE)-13.3569%4,926
Retained earnings to average equity (ytd only)-13.3569%4,894
Net charge-offs to loans0.1020%729
Credit loss provision to net charge-offs5,235.0000%130
Earnings coverage of net charge-offs (x)21.8500%1,498
Efficiency ratio62.9975%2,573
Assets per employee ($millions)8.1580%1,137
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans5.0484%37
Loan loss allowance to noncurrent loans79.8822%3,590
Noncurrent assets plus other real estate owned to assets2.7757%108
Noncurrent loans to loans6.3198%55
Net loans and leases to total assets41.7041%4,200
Net loans and leases to deposits47.0202%4,269
Net loans and leases to core deposits47.6932%4,339
Total domestic deposits to total assets88.6941%1,457
Equity capital to assets11.2854%1,762
Core capital (leverage) ratio10.1321%2,275
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.7628%497
Memoranda:
Average total assets$74,445,0004,367
Average earning assets$61,787,0004,450
Average equity$8,849,3334,339
Average total loans$39,200,0004,298
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8656%1,920
Cost of funding earning assets0.1434%4,350
Net interest margin3.7222%1,285
Noninterest income to average assets0.2241%4,041
Noninterest expense to average assets1.7984%4,218
Loan and lease loss provision to assets0.0800%1,616
Net operating income to assets1.5316%1,262
Return on assets (ROA)1.6329%1,105
Pretax return on assets1.6329%1,641
Return on Equity (ROE)13.4049%1,569
Retained earnings to average equity (ytd only)13.4049%834
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.7387%3,936
Assets per employee ($millions)8.6827%919
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.4908%1,640
Loan loss allowance to noncurrent loans66.1654%3,768
Noncurrent assets plus other real estate owned to assets1.1914%628
Noncurrent loans to loans2.2532%442
Net loans and leases to total assets52.0872%3,438
Net loans and leases to deposits59.0558%3,557
Net loans and leases to core deposits59.8512%3,711
Total domestic deposits to total assets88.2000%1,739
Equity capital to assets11.7834%1,398
Core capital (leverage) ratio11.9872%1,172
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.0299%581
Memoranda:
Average total assets$74,956,5004,378
Average earning assets$64,155,5004,433
Average equity$9,131,0004,321
Average total loans$42,676,0004,243
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9233%2,965
Cost of funding earning assets0.1488%4,731
Net interest margin3.7745%1,574
Noninterest income to average assets0.2048%4,245
Noninterest expense to average assets2.1639%3,771
Loan and lease loss provision to assets0.0732%3,472
Net operating income to assets1.4938%823
Return on assets (ROA)1.4938%901
Pretax return on assets1.4938%1,349
Return on Equity (ROE)11.6766%1,422
Retained earnings to average equity (ytd only)7.7882%1,120
Net charge-offs to loans0.0617%1,896
Credit loss provision to net charge-offs200.0000%2,161
Earnings coverage of net charge-offs (x)42.8400%1,327
Efficiency ratio58.0000%3,724
Assets per employee ($millions)6.5245%1,903
Cash dividends to net income (ytd only)*33.3007%2,691
Condition Ratios (%)
Loss allowance to loans1.3649%2,123
Loan loss allowance to noncurrent loans142.0804%2,869
Noncurrent assets plus other real estate owned to assets0.5894%1,785
Noncurrent loans to loans0.9606%1,474
Net loans and leases to total assets60.5164%2,789
Net loans and leases to deposits69.2695%2,956
Net loans and leases to core deposits69.7311%3,270
Total domestic deposits to total assets87.3636%1,760
Equity capital to assets12.6155%1,266
Core capital (leverage) ratio11.2580%1,631
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.8564%1,296
Memoranda:
Average total assets$68,348,6004,409
Average earning assets$63,849,6004,388
Average equity$8,744,0004,342
Average total loans$40,487,2004,299
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0303%2,889
Cost of funding earning assets0.1515%4,799
Net interest margin3.8789%1,409
Noninterest income to average assets0.1995%4,281
Noninterest expense to average assets2.0940%3,962
Loan and lease loss provision to assets0.0696%3,458
Net operating income to assets1.6791%605
Return on assets (ROA)1.6811%667
Pretax return on assets1.6811%1,002
Return on Equity (ROE)13.0922%1,079
Retained earnings to average equity (ytd only)13.0922%321
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.4987%4,099
Assets per employee ($millions)6.1173%2,161
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.3680%1,884
Loan loss allowance to noncurrent loans151.2376%2,691
Noncurrent assets plus other real estate owned to assets0.5504%2,066
Noncurrent loans to loans0.9046%1,651
Net loans and leases to total assets60.0106%3,228
Net loans and leases to deposits68.6885%3,414
Net loans and leases to core deposits69.1337%3,690
Total domestic deposits to total assets87.3663%1,517
Equity capital to assets12.5928%1,379
Core capital (leverage) ratio12.1933%1,247
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.0175%1,245
Memoranda:
Average total assets$67,493,5004,430
Average earning assets$63,384,2504,408
Average equity$8,666,5004,369
Average total loans$39,600,7504,343
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1453%2,922
Cost of funding earning assets0.1587%4,860
Net interest margin3.9866%1,359
Noninterest income to average assets0.2137%4,210
Noninterest expense to average assets2.1855%3,836
Loan and lease loss provision to assets0.5891%543
Net operating income to assets1.1965%1,648
Return on assets (ROA)1.2118%1,730
Pretax return on assets1.2118%2,328
Return on Equity (ROE)9.3698%2,215
Retained earnings to average equity (ytd only)9.3698%920
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.0346%4,057
Assets per employee ($millions)5.6516%2,491
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.9355%491
Loan loss allowance to noncurrent loans1,281.6667%453
Noncurrent assets plus other real estate owned to assets0.0885%4,089
Noncurrent loans to loans0.1510%3,852
Net loans and leases to total assets57.4500%3,557
Net loans and leases to deposits66.0339%3,720
Net loans and leases to core deposits66.4994%3,954
Total domestic deposits to total assets87.0007%1,618
Equity capital to assets12.9536%1,186
Core capital (leverage) ratio11.7364%1,530
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0524%1,047
Memoranda:
Average total assets$65,522,3334,465
Average earning assets$61,756,3334,442
Average equity$8,474,0004,411
Average total loans$37,913,3334,389
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1255%3,450
Cost of funding earning assets0.1977%4,896
Net interest margin3.9278%1,586
Noninterest income to average assets0.2548%4,022
Noninterest expense to average assets1.9884%4,415
Loan and lease loss provision to assets0.0497%3,155
Net operating income to assets1.9200%319
Return on assets (ROA)1.9200%351
Pretax return on assets1.9200%549
Return on Equity (ROE)14.8584%565
Retained earnings to average equity (ytd only)14.8584%202
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.2355%4,655
Assets per employee ($millions)5.6331%1,986
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.5559%1,174
Loan loss allowance to noncurrent loans1,766.6667%331
Noncurrent assets plus other real estate owned to assets0.0488%4,355
Noncurrent loans to loans0.0881%4,158
Net loans and leases to total assets54.5690%3,940
Net loans and leases to deposits62.4114%4,078
Net loans and leases to core deposits62.8474%4,240
Total domestic deposits to total assets87.4344%1,365
Equity capital to assets12.5479%1,702
Core capital (leverage) ratio12.4429%1,475
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.8060%1,008
Memoranda:
Average total assets$64,374,0004,492
Average earning assets$60,695,5004,469
Average equity$8,318,5004,452
Average total loans$37,004,5004,432
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9542%4,341
Cost of funding earning assets0.2423%4,869
Net interest margin3.7119%2,780
Noninterest income to average assets0.2586%4,129
Noninterest expense to average assets2.1289%4,309
Loan and lease loss provision to assets0.0385%3,244
Net operating income to assets1.5578%924
Return on assets (ROA)1.5563%985
Pretax return on assets1.5563%1,632
Return on Equity (ROE)11.7133%1,615
Retained earnings to average equity (ytd only)-10.9950%5,075
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1488%4,070
Assets per employee ($millions)5.0959%2,459
Cash dividends to net income (ytd only)*193.8675%74
Condition Ratios (%)
Loss allowance to loans1.5764%1,031
Loan loss allowance to noncurrent loans1,920.0000%322
Noncurrent assets plus other real estate owned to assets0.0491%4,388
Noncurrent loans to loans0.0821%4,194
Net loans and leases to total assets58.8102%3,689
Net loans and leases to deposits67.8765%3,827
Net loans and leases to core deposits68.4058%4,058
Total domestic deposits to total assets86.6429%1,784
Equity capital to assets13.3358%1,348
Core capital (leverage) ratio12.0816%1,728
Tier 1 risk-based capital ratio17.8264%1,806
Total risk-based capital ratio19.1427%1,737
Memoranda:
Average total assets$64,962,0004,522
Average earning assets$60,670,4004,499
Average equity$8,631,2004,429
Average total loans$38,192,0004,445
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9233%4,502
Cost of funding earning assets0.2406%4,948
Net interest margin3.6827%2,983
Noninterest income to average assets0.2670%4,143
Noninterest expense to average assets2.0066%4,535
Loan and lease loss provision to assets0.0465%2,968
Net operating income to assets1.6506%828
Return on assets (ROA)1.6506%870
Pretax return on assets1.6506%1,469
Return on Equity (ROE)12.4336%1,471
Retained earnings to average equity (ytd only)-11.3366%5,159
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.1780%4,375
Assets per employee ($millions)5.9775%1,621
Cash dividends to net income (ytd only)*191.1771%74
Condition Ratios (%)
Loss allowance to loans1.4572%1,372
Loan loss allowance to noncurrent loans94.7107%3,419
Noncurrent assets plus other real estate owned to assets0.9201%1,473
Noncurrent loans to loans1.5386%974
Net loans and leases to total assets58.9305%3,777
Net loans and leases to deposits67.6171%3,947
Net loans and leases to core deposits68.0924%4,171
Total domestic deposits to total assets87.1532%1,446
Equity capital to assets12.7981%1,734
Core capital (leverage) ratio12.2087%1,726
Tier 1 risk-based capital ratio17.0503%2,070
Total risk-based capital ratio18.3478%2,010
Memoranda:
Average total assets$65,914,7504,558
Average earning assets$61,511,5004,542
Average equity$8,750,2504,463
Average total loans$38,605,2504,490
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8383%4,654
Cost of funding earning assets0.2141%5,045
Net interest margin3.6241%3,180
Noninterest income to average assets0.2607%4,194
Noninterest expense to average assets2.0404%4,532
Loan and lease loss provision to assets0.0455%2,908
Net operating income to assets1.5613%989
Return on assets (ROA)1.5613%1,032
Pretax return on assets1.5613%1,663
Return on Equity (ROE)11.6227%1,730
Retained earnings to average equity (ytd only)-1.0156%4,826
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.9435%4,249
Assets per employee ($millions)5.7616%1,728
Cash dividends to net income (ytd only)*108.7379%323
Condition Ratios (%)
Loss allowance to loans1.5152%1,224
Loan loss allowance to noncurrent loans251.5556%1,826
Noncurrent assets plus other real estate owned to assets0.3550%3,115
Noncurrent loans to loans0.6023%2,461
Net loans and leases to total assets58.0470%3,909
Net loans and leases to deposits68.1707%3,959
Net loans and leases to core deposits68.6798%4,179
Total domestic deposits to total assets85.1494%2,412
Equity capital to assets14.3267%1,004
Core capital (leverage) ratio13.3486%1,171
Tier 1 risk-based capital ratio19.2760%1,491
Total risk-based capital ratio20.5812%1,446
Memoranda:
Average total assets$65,969,0004,588
Average earning assets$61,642,3304,576
Average equity$8,862,0004,457
Average total loans$38,366,6704,537
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7055%4,842
Cost of funding earning assets0.2232%5,058
Net interest margin3.4823%3,645
Noninterest income to average assets0.2676%4,084
Noninterest expense to average assets1.8910%4,813
Loan and lease loss provision to assets0.0476%2,697
Net operating income to assets1.5759%943
Return on assets (ROA)1.5759%970
Pretax return on assets1.5759%1,528
Return on Equity (ROE)12.1101%1,496
Retained earnings to average equity (ytd only)-13.4811%5,182
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.8071%4,549
Assets per employee ($millions)6.0991%1,471
Cash dividends to net income (ytd only)*211.3208%168
Condition Ratios (%)
Loss allowance to loans1.4677%1,445
Loan loss allowance to noncurrent loans179.1667%2,375
Noncurrent assets plus other real estate owned to assets0.4650%2,750
Noncurrent loans to loans0.8192%2,008
Net loans and leases to total assets55.9368%4,065
Net loans and leases to deposits64.2801%4,163
Net loans and leases to core deposits64.7235%4,344
Total domestic deposits to total assets87.0204%1,802
Equity capital to assets12.9602%1,478
Core capital (leverage) ratio12.6286%1,443
Tier 1 risk-based capital ratio18.0390%1,786
Total risk-based capital ratio19.3013%1,742
Memoranda:
Average total assets$67,264,5004,614
Average earning assets$62,718,0004,599
Average equity$8,753,0004,505
Average total loans$38,872,5004,573
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6551%4,732
Cost of funding earning assets0.1702%5,113
Net interest margin3.4849%3,754
Noninterest income to average assets0.2114%4,642
Noninterest expense to average assets1.9450%4,831
Loan and lease loss provision to assets0.0437%3,308
Net operating income to assets1.4770%1,181
Return on assets (ROA)1.4799%1,161
Pretax return on assets1.4799%1,843
Return on Equity (ROE)11.4581%1,914
Retained earnings to average equity (ytd only)1.8626%4,403
Net charge-offs to loans-0.0102%4,495
Credit loss provision to net charge-offs-750.0000%4,697
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.1212%4,390
Assets per employee ($millions)6.1308%1,433
Cash dividends to net income (ytd only)*83.7438%588
Condition Ratios (%)
Loss allowance to loans1.3894%1,683
Loan loss allowance to noncurrent loans176.6026%2,435
Noncurrent assets plus other real estate owned to assets0.4626%2,713
Noncurrent loans to loans0.7867%2,043
Net loans and leases to total assets57.9887%3,964
Net loans and leases to deposits66.7161%4,062
Net loans and leases to core deposits67.1745%4,288
Total domestic deposits to total assets86.9185%1,812
Equity capital to assets13.0651%1,318
Core capital (leverage) ratio12.6522%1,391
Tier 1 risk-based capital ratio18.2107%1,692
Total risk-based capital ratio19.4163%1,658
Memoranda:
Average total assets$68,584,6004,606
Average earning assets$64,047,6004,591
Average equity$8,858,4004,474
Average total loans$39,206,4004,577
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5801%4,834
Cost of funding earning assets0.1222%5,300
Net interest margin3.4579%3,841
Noninterest income to average assets0.2033%4,748
Noninterest expense to average assets1.8488%4,979
Loan and lease loss provision to assets0.0445%3,100
Net operating income to assets1.5429%1,084
Return on assets (ROA)1.5468%1,075
Pretax return on assets1.5468%1,740
Return on Equity (ROE)12.0099%1,788
Retained earnings to average equity (ytd only)5.9975%2,659
Net charge-offs to loans-0.0136%4,484
Credit loss provision to net charge-offs-575.0000%4,523
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.8028%4,626
Assets per employee ($millions)6.3245%1,274
Cash dividends to net income (ytd only)*50.0624%1,583
Condition Ratios (%)
Loss allowance to loans1.2896%2,144
Loan loss allowance to noncurrent loans167.3846%2,555
Noncurrent assets plus other real estate owned to assets0.4672%2,817
Noncurrent loans to loans0.7704%2,160
Net loans and leases to total assets59.8548%3,858
Net loans and leases to deposits75.6298%3,444
Net loans and leases to core deposits75.6298%3,831
Total domestic deposits to total assets79.1419%4,294
Equity capital to assets12.8662%1,393
Core capital (leverage) ratio12.9723%1,293
Tier 1 risk-based capital ratio17.6945%1,872
Total risk-based capital ratio18.8291%1,869
Memoranda:
Average total assets$68,871,0004,645
Average earning assets$64,391,2504,633
Average equity$8,870,2504,521
Average total loans$39,093,5004,627
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4256%5,007
Cost of funding earning assets0.1063%5,390
Net interest margin3.3194%4,194
Noninterest income to average assets0.1923%4,862
Noninterest expense to average assets1.8736%4,997
Loan and lease loss provision to assets0.0437%3,020
Net operating income to assets1.3695%1,539
Return on assets (ROA)1.3724%1,531
Pretax return on assets1.3724%2,252
Return on Equity (ROE)10.6525%2,255
Retained earnings to average equity (ytd only)1.6058%4,607
Net charge-offs to loans-0.0210%4,590
Credit loss provision to net charge-offs-375.0000%4,316
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0035%4,361
Assets per employee ($millions)6.1172%1,390
Cash dividends to net income (ytd only)*84.9257%611
Condition Ratios (%)
Loss allowance to loans1.3681%1,866
Loan loss allowance to noncurrent loans164.9231%2,587
Noncurrent assets plus other real estate owned to assets0.4830%2,832
Noncurrent loans to loans0.8296%2,066
Net loans and leases to total assets57.4254%4,044
Net loans and leases to deposits66.0282%4,161
Net loans and leases to core deposits66.0282%4,368
Total domestic deposits to total assets86.9711%1,852
Equity capital to assets13.0051%1,287
Core capital (leverage) ratio14.3521%815
Tier 1 risk-based capital ratio18.2715%1,735
Total risk-based capital ratio19.4839%1,697
Memoranda:
Average total assets$68,637,6704,700
Average earning assets$63,988,3304,692
Average equity$8,843,0004,556
Average total loans$38,062,6704,700
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3335%5,091
Cost of funding earning assets0.1051%5,449
Net interest margin3.2284%4,377
Noninterest income to average assets0.1616%5,055
Noninterest expense to average assets1.8294%5,125
Loan and lease loss provision to assets0.0462%2,841
Net operating income to assets1.2985%1,643
Return on assets (ROA)1.3042%1,636
Pretax return on assets1.3042%2,348
Return on Equity (ROE)10.1699%2,346
Retained earnings to average equity (ytd only)10.1699%1,111
Net charge-offs to loans-0.0320%4,771
Credit loss provision to net charge-offs-266.6667%3,855
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6364%4,394
Assets per employee ($millions)6.2537%1,335
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.4263%1,741
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 assets52.9459%4,374
Net loans and leases to deposits60.8412%4,415
Net loans and leases to core deposits60.8412%4,616
Total domestic deposits to total assets87.0230%2,108
Equity capital to assets12.9595%1,268
Core capital (leverage) ratio12.6760%1,304
Tier 1 risk-based capital ratio19.1825%1,512
Total risk-based capital ratio20.4107%1,471
Memoranda:
Average total assets$69,312,0004,747
Average earning assets$64,676,5004,737
Average equity$8,889,0004,598
Average total loans$37,505,5004,764
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2213%5,166
Cost of funding earning assets0.1443%5,293
Net interest margin3.0769%4,735
Noninterest income to average assets0.3346%4,073
Noninterest expense to average assets2.0747%4,825
Loan and lease loss provision to assets0.0429%3,388
Net operating income to assets1.0824%1,925
Return on assets (ROA)1.0795%1,955
Pretax return on assets1.0795%3,264
Return on Equity (ROE)8.5514%2,517
Retained earnings to average equity (ytd only)-8.4381%5,509
Net charge-offs to loans0.0160%3,557
Credit loss provision to net charge-offs500.0000%612
Earnings coverage of net charge-offs (x)131.1667%519
Efficiency ratio64.8347%3,476
Assets per employee ($millions)6.9833%977
Cash dividends to net income (ytd only)*198.6755%98
Condition Ratios (%)
Loss allowance to loans1.3583%1,938
Loan loss allowance to noncurrent loans51,700.0000%22
Noncurrent assets plus other real estate owned to assets0.0014%5,196
Noncurrent loans to loans0.0026%5,058
Net loans and leases to total assets53.7640%4,385
Net loans and leases to deposits63.1539%4,371
Net loans and leases to core deposits63.1539%4,589
Total domestic deposits to total assets85.1317%2,786
Equity capital to assets12.6917%1,414
Core capital (leverage) ratio11.7799%1,744
Tier 1 risk-based capital ratio18.5306%1,644
Total risk-based capital ratio19.7202%1,611
Memoranda:
Average total assets$69,938,8004,777
Average earning assets$65,129,6004,761
Average equity$8,829,0004,641
Average total loans$37,509,6004,806
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1129%5,322
Cost of funding earning assets0.1268%5,444
Net interest margin2.9861%4,949
Noninterest income to average assets0.3392%4,110
Noninterest expense to average assets1.9990%4,957
Loan and lease loss provision to assets0.0438%3,227
Net operating income to assets1.0786%2,186
Return on assets (ROA)1.0748%2,254
Pretax return on assets1.0748%3,404
Return on Equity (ROE)8.5254%2,860
Retained earnings to average equity (ytd only)-14.1485%5,657
Net charge-offs to loans0.0250%2,945
Credit loss provision to net charge-offs328.5714%913
Earnings coverage of net charge-offs (x)84.1704%784
Efficiency ratio64.0415%3,536
Assets per employee ($millions)6.4333%1,223
Cash dividends to net income (ytd only)*265.9579%45
Condition Ratios (%)
Loss allowance to loans1.3288%2,209
Loan loss allowance to noncurrent loans74.7430%4,025
Noncurrent assets plus other real estate owned to assets0.9623%1,769
Noncurrent loans to loans1.7778%1,013
Net loans and leases to total assets53.4098%4,466
Net loans and leases to deposits68.1820%4,099
Net loans and leases to core deposits68.1820%4,354
Total domestic deposits to total assets78.3342%4,663
Equity capital to assets12.4452%1,683
Core capital (leverage) ratio11.7651%1,840
Tier 1 risk-based capital ratio18.0186%1,847
Total risk-based capital ratio19.1823%1,825
Memoranda:
Average total assets$69,965,2504,827
Average earning assets$65,188,7504,806
Average equity$8,820,5004,691
Average total loans$37,371,5004,858
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0524%5,396
Cost of funding earning assets0.0987%5,602
Net interest margin2.9538%4,996
Noninterest income to average assets0.2066%5,011
Noninterest expense to average assets2.0431%4,891
Loan and lease loss provision to assets0.0430%3,137
Net operating income to assets0.8695%3,077
Return on assets (ROA)0.8666%3,146
Pretax return on assets0.8666%4,053
Return on Equity (ROE)6.8442%3,642
Retained earnings to average equity (ytd only)-27.1501%5,740
Net charge-offs to loans-0.0108%4,565
Credit loss provision to net charge-offs-750.0000%4,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.1262%2,824
Assets per employee ($millions)6.4107%1,202
Cash dividends to net income (ytd only)*496.6887%24
Condition Ratios (%)
Loss allowance to loans1.3397%2,232
Loan loss allowance to noncurrent loans309.0909%1,539
Noncurrent assets plus other real estate owned to assets0.4283%3,395
Noncurrent loans to loans0.4334%3,462
Net loans and leases to total assets53.2602%4,463
Net loans and leases to deposits62.1554%4,495
Net loans and leases to core deposits62.1554%4,707
Total domestic deposits to total assets85.6888%2,525
Equity capital to assets12.1501%1,830
Core capital (leverage) ratio11.4784%1,980
Tier 1 risk-based capital ratio17.5240%2,002
Total risk-based capital ratio18.6885%1,981
Memoranda:
Average total assets$69,698,3304,868
Average earning assets$64,866,3304,851
Average equity$8,825,0004,715
Average total loans$37,060,3304,897
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0133%5,447
Cost of funding earning assets0.0936%5,679
Net interest margin2.9198%5,049
Noninterest income to average assets0.2367%4,846
Noninterest expense to average assets1.9339%5,176
Loan and lease loss provision to assets0.0462%2,882
Net operating income to assets0.9583%2,487
Return on assets (ROA)0.9525%2,572
Pretax return on assets0.9525%3,578
Return on Equity (ROE)7.3714%3,224
Retained earnings to average equity (ytd only)-59.6415%5,830
Net charge-offs to loans-0.0109%4,468
Credit loss provision to net charge-offs-800.0000%4,351
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8153%3,531
Assets per employee ($millions)8.7114%467
Cash dividends to net income (ytd only)*909.0909%17
Condition Ratios (%)
Loss allowance to loans1.3985%2,082
Loan loss allowance to noncurrent loans201.6064%2,245
Noncurrent assets plus other real estate owned to assets0.5854%2,895
Noncurrent loans to loans0.6937%2,765
Net loans and leases to total assets50.7856%4,605
Net loans and leases to deposits57.6865%4,724
Net loans and leases to core deposits57.6865%4,895
Total domestic deposits to total assets88.0372%1,695
Equity capital to assets11.9312%1,891
Core capital (leverage) ratio11.4423%1,992
Tier 1 risk-based capital ratio18.3606%1,773
Total risk-based capital ratio19.5761%1,741
Memoranda:
Average total assets$69,288,5004,929
Average earning assets$64,115,0004,913
Average equity$8,953,5004,726
Average total loans$36,556,5004,957
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4716%4,841
Cost of funding earning assets0.1068%5,673
Net interest margin3.3647%3,941
Noninterest income to average assets0.2432%4,971
Noninterest expense to average assets1.8539%5,421
Loan and lease loss provision to assets0.0429%3,525
Net operating income to assets1.5006%828
Return on assets (ROA)1.8997%391
Pretax return on assets1.8997%621
Return on Equity (ROE)14.1040%757
Retained earnings to average equity (ytd only)14.1040%124
Net charge-offs to loans-0.0058%4,834
Credit loss provision to net charge-offs-1,500.0000%5,349
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.5684%5,192
Assets per employee ($millions)6.2624%1,287
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.3246%2,403
Loan loss allowance to noncurrent loans62.3262%4,391
Noncurrent assets plus other real estate owned to assets1.3951%1,227
Noncurrent loans to loans2.1253%821
Net loans and leases to total assets53.3127%4,499
Net loans and leases to deposits61.9737%4,549
Net loans and leases to core deposits61.9737%4,753
Total domestic deposits to total assets86.0247%2,571
Equity capital to assets13.9245%913
Core capital (leverage) ratio13.5418%960
Tier 1 risk-based capital ratio20.8338%1,242
Total risk-based capital ratio21.9911%1,225
Memoranda:
Average total assets$69,907,2004,934
Average earning assets$65,532,6004,903
Average equity$9,415,8004,670
Average total loans$34,210,0005,062
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4084%5,015
Cost of funding earning assets0.1073%5,739
Net interest margin3.3011%4,185
Noninterest income to average assets0.2755%4,801
Noninterest expense to average assets1.7084%5,603
Loan and lease loss provision to assets0.0437%3,356
Net operating income to assets1.6210%700
Return on assets (ROA)1.5259%884
Pretax return on assets1.5259%1,630
Return on Equity (ROE)11.4241%1,514
Retained earnings to average equity (ytd only)11.4241%369
Net charge-offs to loans-0.0040%4,573
Credit loss provision to net charge-offs-2,300.0000%5,329
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.6479%5,459
Assets per employee ($millions)6.0249%1,419
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.3704%2,340
Loan loss allowance to noncurrent loans850.8772%674
Noncurrent assets plus other real estate owned to assets0.3878%3,870
Noncurrent loans to loans0.1611%4,709
Net loans and leases to total assets52.6692%4,596
Net loans and leases to deposits63.3147%4,537
Net loans and leases to core deposits63.3147%4,757
Total domestic deposits to total assets83.1865%3,520
Equity capital to assets14.8007%789
Core capital (leverage) ratio12.5934%1,362
Tier 1 risk-based capital ratio19.4794%1,556
Total risk-based capital ratio20.5953%1,548
Memoranda:
Average total assets$70,162,5004,971
Average earning assets$65,834,7504,938
Average equity$9,371,7504,726
Average total loans$33,458,0005,137
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3492%5,188
Cost of funding earning assets0.1013%5,849
Net interest margin3.2478%4,389
Noninterest income to average assets0.2603%4,920
Noninterest expense to average assets1.6373%5,733
Loan and lease loss provision to assets0.0420%3,307
Net operating income to assets1.6317%669
Return on assets (ROA)1.5449%860
Pretax return on assets1.5449%1,542
Return on Equity (ROE)11.9662%1,338
Retained earnings to average equity (ytd only)11.9662%332
Net charge-offs to loans-0.0061%4,576
Credit loss provision to net charge-offs-1,500.0000%5,163
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.4505%5,594
Assets per employee ($millions)6.3562%1,166
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.3076%2,742
Loan loss allowance to noncurrent loans6,814.2857%116
Noncurrent assets plus other real estate owned to assets0.3061%4,280
Noncurrent loans to loans0.0192%5,399
Net loans and leases to total assets51.4932%4,718
Net loans and leases to deposits63.0459%4,567
Net loans and leases to core deposits63.0459%4,808
Total domestic deposits to total assets81.6757%4,098
Equity capital to assets13.6960%1,142
Core capital (leverage) ratio12.0746%1,575
Tier 1 risk-based capital ratio18.2558%1,861
Total risk-based capital ratio19.3068%1,882
Memoranda:
Average total assets$71,458,6704,997
Average earning assets$67,121,3304,956
Average equity$9,226,0004,797
Average total loans$32,813,6705,205
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4040%5,118
Cost of funding earning assets0.1066%5,888
Net interest margin3.2974%4,230
Noninterest income to average assets0.2658%4,834
Noninterest expense to average assets1.6669%5,775
Loan and lease loss provision to assets0.0388%3,132
Net operating income to assets1.6448%645
Return on assets (ROA)1.5506%819
Pretax return on assets1.5506%1,434
Return on Equity (ROE)12.3743%1,195
Retained earnings to average equity (ytd only)12.3743%450
Net charge-offs to loans-0.0129%4,641
Credit loss provision to net charge-offs-700.0000%4,649
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.7521%5,645
Assets per employee ($millions)6.5213%1,098
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.4953%2,010
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2983%4,378
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets42.9782%5,300
Net loans and leases to deposits49.2846%5,374
Net loans and leases to core deposits49.2846%5,469
Total domestic deposits to total assets87.2041%2,100
Equity capital to assets12.7555%1,533
Core capital (leverage) ratio11.5172%1,959
Tier 1 risk-based capital ratio19.6468%1,581
Total risk-based capital ratio20.7986%1,573
Memoranda:
Average total assets$72,229,0005,016
Average earning assets$67,567,5004,990
Average equity$9,051,0004,854
Average total loans$30,980,5005,310
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6089%4,650
Cost of funding earning assets0.1117%5,918
Net interest margin3.4972%3,532
Noninterest income to average assets0.2621%5,013
Noninterest expense to average assets1.8176%5,716
Loan and lease loss provision to assets0.0541%3,234
Net operating income to assets1.6452%641
Return on assets (ROA)1.5427%819
Pretax return on assets1.5427%1,427
Return on Equity (ROE)11.5985%1,412
Retained earnings to average equity (ytd only)1.9599%4,611
Net charge-offs to loans-0.0409%5,499
Credit loss provision to net charge-offs-345.4545%5,367
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.6808%5,656
Assets per employee ($millions)7.2724%794
Cash dividends to net income (ytd only)*83.1025%793
Condition Ratios (%)
Loss allowance to loans1.5034%1,986
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3039%4,388
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets41.5296%5,437
Net loans and leases to deposits50.5540%5,362
Net loans and leases to core deposits50.5540%5,472
Total domestic deposits to total assets82.1489%4,132
Equity capital to assets12.3096%1,734
Core capital (leverage) ratio11.2451%2,161
Tier 1 risk-based capital ratio19.0700%1,692
Total risk-based capital ratio20.2036%1,674
Memoranda:
Average total assets$70,202,8005,090
Average earning assets$65,337,6005,053
Average equity$9,337,4004,783
Average total loans$26,872,8005,492
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6290%4,647
Cost of funding earning assets0.1173%5,989
Net interest margin3.5116%3,494
Noninterest income to average assets0.2875%4,888
Noninterest expense to average assets1.7209%5,880
Loan and lease loss provision to assets0.0575%3,035
Net operating income to assets1.7784%544
Return on assets (ROA)1.6864%666
Pretax return on assets1.6864%1,143
Return on Equity (ROE)12.4373%1,259
Retained earnings to average equity (ytd only)12.4373%322
Net charge-offs to loans-0.0154%5,116
Credit loss provision to net charge-offs-1,000.0000%5,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.3836%5,854
Assets per employee ($millions)6.1525%1,272
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.6518%1,604
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3561%4,348
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets39.1492%5,637
Net loans and leases to deposits47.4048%5,600
Net loans and leases to core deposits47.4048%5,677
Total domestic deposits to total assets82.5849%3,958
Equity capital to assets14.3993%887
Core capital (leverage) ratio12.3806%1,474
Tier 1 risk-based capital ratio22.5934%1,110
Total risk-based capital ratio23.7829%1,099
Memoranda:
Average total assets$69,572,5005,167
Average earning assets$64,773,7505,128
Average equity$9,433,7504,818
Average total loans$25,925,2505,584
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5535%4,849
Cost of funding earning assets0.1070%6,107
Net interest margin3.4465%3,724
Noninterest income to average assets0.2792%4,951
Noninterest expense to average assets1.7121%5,952
Loan and lease loss provision to assets0.0427%3,253
Net operating income to assets1.7349%588
Return on assets (ROA)1.7349%616
Pretax return on assets1.7349%1,011
Return on Equity (ROE)13.0547%1,101
Retained earnings to average equity (ytd only)13.0547%302
Net charge-offs to loans-0.0156%5,076
Credit loss provision to net charge-offs-750.0000%5,296
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.0612%5,901
Assets per employee ($millions)6.2555%1,183
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.6134%1,862
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3502%4,488
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets38.0172%5,739
Net loans and leases to deposits46.8691%5,638
Net loans and leases to core deposits46.8691%5,726
Total domestic deposits to total assets81.1135%4,582
Equity capital to assets13.7609%1,072
Core capital (leverage) ratio12.0887%1,600
Tier 1 risk-based capital ratio21.4691%1,288
Total risk-based capital ratio22.5975%1,285
Memoranda:
Average total assets$70,204,3305,208
Average earning assets$65,400,0005,168
Average equity$9,330,0004,870
Average total loans$25,587,0005,650
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5011%4,960
Cost of funding earning assets0.1035%6,191
Net interest margin3.3976%3,855
Noninterest income to average assets0.2652%5,056
Noninterest expense to average assets1.6869%6,028
Loan and lease loss provision to assets0.0451%3,018
Net operating income to assets1.6812%614
Return on assets (ROA)1.6812%643
Pretax return on assets1.6812%1,087
Return on Equity (ROE)12.8719%1,125
Retained earnings to average equity (ytd only)12.8719%461
Net charge-offs to loans-0.0159%4,940
Credit loss provision to net charge-offs-800.0000%4,930
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.4215%5,954
Assets per employee ($millions)6.5638%1,041
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.6814%1,788
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3338%4,651
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets34.0960%5,923
Net loans and leases to deposits40.8774%5,883
Net loans and leases to core deposits40.8774%5,944
Total domestic deposits to total assets83.4104%4,041
Equity capital to assets12.9609%1,424
Core capital (leverage) ratio11.4596%2,033
Tier 1 risk-based capital ratio21.3183%1,364
Total risk-based capital ratio22.4585%1,356
Memoranda:
Average total assets$70,901,0005,236
Average earning assets$65,694,0005,207
Average equity$9,260,5004,927
Average total loans$25,086,0005,710
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5613%5,186
Cost of funding earning assets0.1130%6,286
Net interest margin3.4483%3,990
Noninterest income to average assets0.3248%4,799
Noninterest expense to average assets1.9475%5,864
Loan and lease loss provision to assets0.1296%2,023
Net operating income to assets1.4595%961
Return on assets (ROA)1.3939%1,126
Pretax return on assets1.3939%1,906
Return on Equity (ROE)9.9773%2,137
Retained earnings to average equity (ytd only)2.3360%4,564
Net charge-offs to loans0.0531%3,768
Credit loss provision to net charge-offs772.7273%350
Earnings coverage of net charge-offs (x)94.7273%553
Efficiency ratio55.0668%5,758
Assets per employee ($millions)6.3273%1,166
Cash dividends to net income (ytd only)*76.5864%1,017
Condition Ratios (%)
Loss allowance to loans1.6393%1,957
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3463%4,671
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets35.5187%5,975
Net loans and leases to deposits43.7478%5,885
Net loans and leases to core deposits43.7478%5,962
Total domestic deposits to total assets81.1897%4,684
Equity capital to assets13.1652%1,283
Core capital (leverage) ratio11.2170%2,205
Tier 1 risk-based capital ratio20.7178%1,467
Total risk-based capital ratio21.8229%1,466
Memoranda:
Average total assets$65,572,0005,410
Average earning assets$61,073,0005,368
Average equity$9,160,8004,932
Average total loans$20,705,6005,934
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5120%5,369
Cost of funding earning assets0.1060%6,390
Net interest margin3.4060%4,216
Noninterest income to average assets0.3180%4,892
Noninterest expense to average assets1.8730%5,992
Loan and lease loss provision to assets0.0620%3,118
Net operating income to assets1.5674%812
Return on assets (ROA)1.4786%1,008
Pretax return on assets1.4786%1,716
Return on Equity (ROE)10.4215%2,026
Retained earnings to average equity (ytd only)10.4215%612
Net charge-offs to loans0.0749%3,128
Credit loss provision to net charge-offs272.7273%983
Earnings coverage of net charge-offs (x)71.7089%765
Efficiency ratio53.4788%5,878
Assets per employee ($millions)6.2014%1,198
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.5114%2,647
Loan loss allowance to noncurrent loans451.8987%1,060
Noncurrent assets plus other real estate owned to assets0.4691%4,490
Noncurrent loans to loans0.3345%4,899
Net loans and leases to total assets34.1025%6,109
Net loans and leases to deposits45.2658%5,917
Net loans and leases to core deposits45.2658%5,987
Total domestic deposits to total assets75.3383%5,891
Equity capital to assets14.0556%982
Core capital (leverage) ratio12.5209%1,389
Tier 1 risk-based capital ratio22.8745%1,134
Total risk-based capital ratio23.8674%1,154
Memoranda:
Average total assets$64,565,0005,496
Average earning assets$60,362,7505,447
Average equity$9,160,2504,969
Average total loans$19,598,7506,040
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4874%5,434
Cost of funding earning assets0.1080%6,455
Net interest margin3.3793%4,264
Noninterest income to average assets0.3347%4,747
Noninterest expense to average assets1.8785%6,035
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.6165%683
Return on assets (ROA)1.4807%938
Pretax return on assets1.4807%1,596
Return on Equity (ROE)10.4018%1,977
Retained earnings to average equity (ytd only)10.4018%633
Net charge-offs to loans0.1314%2,350
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)42.6667%1,014
Efficiency ratio53.7489%5,927
Assets per employee ($millions)5.7938%1,431
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.7006%2,132
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3781%4,885
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets29.5676%6,322
Net loans and leases to deposits35.3321%6,313
Net loans and leases to core deposits35.3321%6,345
Total domestic deposits to total assets83.6848%4,037
Equity capital to assets14.6991%774
Core capital (leverage) ratio12.4440%1,426
Tier 1 risk-based capital ratio25.2644%846
Total risk-based capital ratio26.2968%853
Memoranda:
Average total assets$63,348,3305,577
Average earning assets$59,242,3305,527
Average equity$9,017,6705,023
Average total loans$18,258,3306,149
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4664%5,511
Cost of funding earning assets0.1221%6,488
Net interest margin3.3443%4,354
Noninterest income to average assets0.3420%4,643
Noninterest expense to average assets1.8937%6,079
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.5707%706
Return on assets (ROA)1.5707%734
Pretax return on assets1.5707%1,236
Return on Equity (ROE)11.2185%1,621
Retained earnings to average equity (ytd only)11.2185%716
Net charge-offs to loans0.2696%1,266
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)20.6667%1,325
Efficiency ratio54.6618%5,955
Assets per employee ($millions)6.3990%1,057
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.9568%1,607
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3766%5,026
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets25.5259%6,480
Net loans and leases to deposits29.7425%6,484
Net loans and leases to core deposits29.7425%6,501
Total domestic deposits to total assets85.8228%3,449
Equity capital to assets14.1381%876
Core capital (leverage) ratio12.2845%1,486
Tier 1 risk-based capital ratio26.9179%716
Total risk-based capital ratio28.0490%714
Memoranda:
Average total assets$63,156,5005,639
Average earning assets$58,966,5005,590
Average equity$8,842,5005,096
Average total loans$17,802,5006,225
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9136%4,413
Cost of funding earning assets0.1351%6,591
Net interest margin3.7785%2,729
Noninterest income to average assets0.3553%4,764
Noninterest expense to average assets2.3337%5,276
Loan and lease loss provision to assets-0.0931%6,471
Net operating income to assets1.5667%734
Return on assets (ROA)1.4803%901
Pretax return on assets1.5392%1,327
Return on Equity (ROE)10.6428%1,882
Retained earnings to average equity (ytd only)-0.5132%5,977
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.3047%5,428
Assets per employee ($millions)6.2323%1,119
Cash dividends to net income (ytd only)*104.8218%341
Condition Ratios (%)
Loss allowance to loans1.7841%2,114
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3867%5,093
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets29.8558%6,462
Net loans and leases to deposits34.6828%6,469
Net loans and leases to core deposits34.6828%6,503
Total domestic deposits to total assets86.0822%3,214
Equity capital to assets13.8601%947
Core capital (leverage) ratio12.0231%1,589
Tier 1 risk-based capital ratio24.3965%913
Total risk-based capital ratio25.4947%916
Memoranda:
Average total assets$64,448,2005,638
Average earning assets$59,945,0005,590
Average equity$8,963,8005,086
Average total loans$21,872,8006,121
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9261%4,403
Cost of funding earning assets0.1368%6,680
Net interest margin3.7893%2,680
Noninterest income to average assets0.4227%4,349
Noninterest expense to average assets2.4253%4,940
Loan and lease loss provision to assets-0.1231%6,655
Net operating income to assets1.5604%809
Return on assets (ROA)1.4609%1,014
Pretax return on assets1.5389%1,500
Return on Equity (ROE)10.4951%2,000
Retained earnings to average equity (ytd only)-4.2452%6,458
Net charge-offs to loans0.0531%4,147
Credit loss provision to net charge-offs-666.6667%6,109
Earnings coverage of net charge-offs (x)82.3317%575
Efficiency ratio61.4665%5,209
Assets per employee ($millions)6.3177%1,028
Cash dividends to net income (ytd only)*140.4494%152
Condition Ratios (%)
Loss allowance to loans1.4474%3,693
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.4195%5,163
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets35.4591%6,304
Net loans and leases to deposits44.7003%6,175
Net loans and leases to core deposits44.7003%6,262
Total domestic deposits to total assets79.3263%5,669
Equity capital to assets13.5255%1,108
Core capital (leverage) ratio11.3543%2,161
Tier 1 risk-based capital ratio20.7427%1,547
Total risk-based capital ratio21.6818%1,589
Memoranda:
Average total assets$64,979,5005,688
Average earning assets$60,414,5005,639
Average equity$9,045,2505,126
Average total loans$22,604,7506,155
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8854%4,536
Cost of funding earning assets0.1379%6,741
Net interest margin3.7475%2,771
Noninterest income to average assets0.4849%3,931
Noninterest expense to average assets2.6563%4,198
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.2253%1,528
Return on assets (ROA)1.1192%1,980
Pretax return on assets1.1955%2,691
Return on Equity (ROE)7.9679%3,115
Retained earnings to average equity (ytd only)7.9679%1,502
Net charge-offs to loans0.0620%3,818
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)61.2857%687
Efficiency ratio67.0000%4,364
Assets per employee ($millions)6.4781%908
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.7524%2,587
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.7147%4,437
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets33.8386%6,419
Net loans and leases to deposits39.6115%6,423
Net loans and leases to core deposits39.6115%6,488
Total domestic deposits to total assets85.4263%3,678
Equity capital to assets14.2712%886
Core capital (leverage) ratio12.2117%1,501
Tier 1 risk-based capital ratio22.4318%1,213
Total risk-based capital ratio23.5389%1,218
Memoranda:
Average total assets$65,580,3305,707
Average earning assets$60,894,6705,668
Average equity$9,212,0005,123
Average total loans$22,562,6706,190
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9249%4,383
Cost of funding earning assets0.1427%6,817
Net interest margin3.7822%2,512
Noninterest income to average assets0.2728%5,496
Noninterest expense to average assets2.2128%5,649
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.4937%867
Return on assets (ROA)1.3398%1,273
Pretax return on assets1.4307%1,769
Return on Equity (ROE)9.6134%2,227
Retained earnings to average equity (ytd only)9.6134%1,212
Net charge-offs to loans0.0176%3,803
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)263.0000%147
Efficiency ratio58.1210%5,834
Assets per employee ($millions)6.5713%956
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.7801%2,690
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.7031%4,620
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets33.3343%6,447
Net loans and leases to deposits39.0137%6,461
Net loans and leases to core deposits39.0137%6,520
Total domestic deposits to total assets85.4428%3,822
Equity capital to assets14.1996%962
Core capital (leverage) ratio11.9989%1,565
Tier 1 risk-based capital ratio22.1261%1,308
Total risk-based capital ratio23.2557%1,302
Memoranda:
Average total assets$65,980,0005,738
Average earning assets$61,657,0005,688
Average equity$9,195,5005,183
Average total loans$22,688,0006,243
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6640%2,736
Cost of funding earning assets0.2109%6,803
Net interest margin4.4531%1,038
Noninterest income to average assets0.1337%6,371
Noninterest expense to average assets2.0198%6,289
Loan and lease loss provision to assets-0.6984%7,059
Net operating income to assets2.7546%117
Return on assets (ROA)2.6694%137
Pretax return on assets2.8078%171
Return on Equity (ROE)17.3542%506
Retained earnings to average equity (ytd only)-8.2118%6,582
Net charge-offs to loans-0.0673%6,761
Credit loss provision to net charge-offs3,171.4286%77
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.8747%6,715
Assets per employee ($millions)6.6247%935
Cash dividends to net income (ytd only)*147.3188%221
Condition Ratios (%)
Loss allowance to loans1.7249%2,835
Loan loss allowance to noncurrent loans19,900.0000%29
Noncurrent assets plus other real estate owned to assets0.7004%4,733
Noncurrent loans to loans0.0087%6,553
Net loans and leases to total assets34.2295%6,537
Net loans and leases to deposits39.8055%6,562
Net loans and leases to core deposits39.8055%6,624
Total domestic deposits to total assets85.9918%3,365
Equity capital to assets13.6761%1,164
Core capital (leverage) ratio11.5995%1,805
Tier 1 risk-based capital ratio20.8431%1,490
Total risk-based capital ratio21.9411%1,496
Memoranda:
Average total assets$63,571,8005,836
Average earning assets$58,318,8005,803
Average equity$9,778,6005,031
Average total loans$20,809,4006,387
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8613%2,150
Cost of funding earning assets0.2207%6,904
Net interest margin4.6405%758
Noninterest income to average assets0.3095%5,308
Noninterest expense to average assets1.9034%6,518
Loan and lease loss provision to assets-0.9411%7,167
Net operating income to assets3.4092%77
Return on assets (ROA)3.2642%89
Pretax return on assets3.4274%110
Return on Equity (ROE)20.6189%301
Retained earnings to average equity (ytd only)13.9244%306
Net charge-offs to loans0.0790%4,607
Credit loss provision to net charge-offs-3,700.0000%6,646
Earnings coverage of net charge-offs (x)103.7475%407
Efficiency ratio41.9039%6,967
Assets per employee ($millions)6.2452%1,100
Cash dividends to net income (ytd only)*32.4676%2,501
Condition Ratios (%)
Loss allowance to loans1.7981%2,803
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.9047%4,474
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets32.5306%6,722
Net loans and leases to deposits39.6170%6,688
Net loans and leases to core deposits39.6170%6,755
Total domestic deposits to total assets82.1127%4,975
Equity capital to assets17.4102%410
Core capital (leverage) ratio15.0445%602
Tier 1 risk-based capital ratio27.1587%731
Total risk-based capital ratio28.2337%728
Memoranda:
Average total assets$62,903,0005,918
Average earning assets$57,377,2505,895
Average equity$9,958,2505,032
Average total loans$20,243,2506,501
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4528%3,968
Cost of funding earning assets0.2265%6,977
Net interest margin4.2263%1,679
Noninterest income to average assets0.3077%5,352
Noninterest expense to average assets1.8905%6,613
Loan and lease loss provision to assets-1.4083%7,235
Net operating income to assets3.5293%75
Return on assets (ROA)3.4288%77
Pretax return on assets3.5684%103
Return on Equity (ROE)22.3964%236
Retained earnings to average equity (ytd only)12.0373%575
Net charge-offs to loans0.1194%3,978
Credit loss provision to net charge-offs-3,700.0000%6,544
Earnings coverage of net charge-offs (x)59.5000%640
Efficiency ratio45.4962%6,906
Assets per employee ($millions)8.8571%335
Cash dividends to net income (ytd only)*46.2535%1,908
Condition Ratios (%)
Loss allowance to loans1.8368%2,742
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.9113%4,546
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets32.0661%6,801
Net loans and leases to deposits38.3959%6,788
Net loans and leases to core deposits38.3959%6,858
Total domestic deposits to total assets83.5145%4,523
Equity capital to assets16.0839%565
Core capital (leverage) ratio14.0197%797
Tier 1 risk-based capital ratio25.7297%829
Total risk-based capital ratio26.8006%831
Memoranda:
Average total assets$63,053,3305,944
Average earning assets$57,402,6705,929
Average equity$9,653,3305,120
Average total loans$20,095,0006,558
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4318%4,192
Cost of funding earning assets0.2278%7,061
Net interest margin4.2040%1,751
Noninterest income to average assets0.2831%5,606
Noninterest expense to average assets1.8496%6,740
Loan and lease loss provision to assets-2.7933%7,302
Net operating income to assets4.7019%48
Return on assets (ROA)4.6493%53
Pretax return on assets5.0016%61
Return on Equity (ROE)31.1355%94
Retained earnings to average equity (ytd only)31.1355%51
Net charge-offs to loans0.2798%2,550
Credit loss provision to net charge-offs-3,171.4286%6,141
Earnings coverage of net charge-offs (x)25.7143%1,021
Efficiency ratio44.9541%6,954
Assets per employee ($millions)9.2949%295
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.8628%2,799
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.8684%4,783
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets29.9597%6,910
Net loans and leases to deposits35.5621%6,904
Net loans and leases to core deposits35.5621%6,952
Total domestic deposits to total assets84.2463%4,380
Equity capital to assets15.3341%690
Core capital (leverage) ratio14.4020%711
Tier 1 risk-based capital ratio26.6635%755
Total risk-based capital ratio27.7481%751
Memoranda:
Average total assets$63,580,0005,967
Average earning assets$57,944,5005,940
Average equity$9,494,0005,172
Average total loans$20,016,0006,610
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2185%6,004
Cost of funding earning assets0.3356%7,042
Net interest margin3.8829%3,412
Noninterest income to average assets1.7111%485
Noninterest expense to average assets2.3836%5,819
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets2.7802%104
Return on assets (ROA)2.5647%130
Pretax return on assets2.7180%159
Return on Equity (ROE)21.5595%199
Retained earnings to average equity (ytd only)-3.4602%6,322
Net charge-offs to loans-0.1723%7,197
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.7137%7,099
Assets per employee ($millions)6.8996%774
Cash dividends to net income (ytd only)*116.0494%229
Condition Ratios (%)
Loss allowance to loans4.1053%354
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.9099%4,791
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets31.1469%6,971
Net loans and leases to deposits38.7657%6,928
Net loans and leases to core deposits38.7657%6,977
Total domestic deposits to total assets80.3466%5,645
Equity capital to assets14.5114%896
Core capital (leverage) ratio12.9623%1,158
Tier 1 risk-based capital ratio25.3038%842
Total risk-based capital ratio26.5678%815
Memoranda:
Average total assets$78,955,6005,481
Average earning assets$73,604,2005,414
Average equity$9,392,6005,184
Average total loans$28,436,2006,228
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1870%6,240
Cost of funding earning assets0.3509%7,125
Net interest margin3.8361%3,688
Noninterest income to average assets0.3062%5,408
Noninterest expense to average assets2.2604%6,145
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.5540%842
Return on assets (ROA)1.3530%1,345
Pretax return on assets1.4268%1,858
Return on Equity (ROE)11.8603%1,586
Retained earnings to average equity (ytd only)6.9419%1,998
Net charge-offs to loans-0.1311%7,206
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9770%6,014
Assets per employee ($millions)5.4798%1,622
Cash dividends to net income (ytd only)*41.4695%1,973
Condition Ratios (%)
Loss allowance to loans2.6354%1,221
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6874%5,425
Noncurrent loans to loans0.0000%6,971
Net loans and leases to total assets36.3614%6,850
Net loans and leases to deposits41.5226%6,932
Net loans and leases to core deposits41.6941%6,991
Total domestic deposits to total assets87.5701%2,310
Equity capital to assets12.1987%2,102
Core capital (leverage) ratio11.1181%2,301
Tier 1 risk-based capital ratio21.7011%1,338
Total risk-based capital ratio22.9514%1,307
Memoranda:
Average total assets$83,170,5005,402
Average earning assets$77,890,5005,332
Average equity$9,488,0005,181
Average total loans$30,503,0006,201
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2002%6,277
Cost of funding earning assets0.3626%7,206
Net interest margin3.8376%3,602
Noninterest income to average assets0.3138%5,389
Noninterest expense to average assets2.3139%6,085
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.5084%870
Return on assets (ROA)1.2719%1,458
Pretax return on assets1.3486%1,970
Return on Equity (ROE)11.4091%1,667
Retained earnings to average equity (ytd only)3.8890%3,721
Net charge-offs to loans-0.2234%7,306
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1187%6,011
Assets per employee ($millions)4.8021%2,405
Cash dividends to net income (ytd only)*65.9134%1,154
Condition Ratios (%)
Loss allowance to loans2.6415%1,255
Loan loss allowance to noncurrent loans9,033.3333%65
Noncurrent assets plus other real estate owned to assets0.7031%5,502
Noncurrent loans to loans0.0292%6,911
Net loans and leases to total assets36.7056%6,925
Net loans and leases to deposits41.7044%7,002
Net loans and leases to core deposits42.0532%7,065
Total domestic deposits to total assets88.0139%2,126
Equity capital to assets11.7901%2,255
Core capital (leverage) ratio10.5466%2,663
Tier 1 risk-based capital ratio20.9352%1,433
Total risk-based capital ratio22.1819%1,414
Memoranda:
Average total assets$83,495,0005,440
Average earning assets$78,329,6705,364
Average equity$9,308,3305,233
Average total loans$30,438,3306,257
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1837%6,315
Cost of funding earning assets0.3671%7,292
Net interest margin3.8166%3,528
Noninterest income to average assets0.3696%4,956
Noninterest expense to average assets2.4400%5,766
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.4368%1,006
Return on assets (ROA)1.3077%1,292
Pretax return on assets1.3882%1,753
Return on Equity (ROE)12.0656%1,443
Retained earnings to average equity (ytd only)12.0656%729
Net charge-offs to loans-0.3832%7,380
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5293%5,755
Assets per employee ($millions)5.1549%1,955
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.7511%1,155
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6447%5,669
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets32.5927%7,144
Net loans and leases to deposits36.6715%7,205
Net loans and leases to core deposits36.9534%7,241
Total domestic deposits to total assets88.8775%1,855
Equity capital to assets10.9411%2,749
Core capital (leverage) ratio10.7028%2,436
Tier 1 risk-based capital ratio21.8201%1,258
Total risk-based capital ratio23.0835%1,226
Memoranda:
Average total assets$84,424,5005,457
Average earning assets$79,547,5005,376
Average equity$9,150,0005,273
Average total loans$30,268,5006,323
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6041%6,100
Cost of funding earning assets0.7013%6,886
Net interest margin3.9027%3,471
Noninterest income to average assets0.2634%5,904
Noninterest expense to average assets2.6465%5,237
Loan and lease loss provision to assets0.3754%3,873
Net operating income to assets0.8415%2,626
Return on assets (ROA)1.1041%1,766
Pretax return on assets1.1718%2,327
Return on Equity (ROE)11.0078%1,587
Retained earnings to average equity (ytd only)1.8039%4,604
Net charge-offs to loans0.6253%3,151
Credit loss provision to net charge-offs139.9083%2,706
Earnings coverage of net charge-offs (x)4.7248%2,827
Efficiency ratio67.6101%4,643
Assets per employee ($millions)4.7774%2,448
Cash dividends to net income (ytd only)*83.6120%745
Condition Ratios (%)
Loss allowance to loans2.4994%1,411
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6957%5,613
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets37.4163%7,097
Net loans and leases to deposits42.0252%7,180
Net loans and leases to core deposits43.6521%7,211
Total domestic deposits to total assets89.0329%1,645
Equity capital to assets10.7270%2,929
Core capital (leverage) ratio10.6509%2,414
Tier 1 risk-based capital ratio19.6937%1,554
Total risk-based capital ratio20.8885%1,533
Memoranda:
Average total assets$81,239,8005,560
Average earning assets$75,998,2005,478
Average equity$8,148,8005,671
Average total loans$34,865,4006,161
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7081%5,987
Cost of funding earning assets0.7791%6,822
Net interest margin3.9290%3,411
Noninterest income to average assets0.2248%6,294
Noninterest expense to average assets2.4747%5,807
Loan and lease loss provision to assets0.5005%2,956
Net operating income to assets0.8706%2,728
Return on assets (ROA)0.8829%2,824
Pretax return on assets0.9371%3,423
Return on Equity (ROE)8.9575%2,505
Retained earnings to average equity (ytd only)3.1301%4,243
Net charge-offs to loans0.7711%2,502
Credit loss provision to net charge-offs147.3430%2,662
Earnings coverage of net charge-offs (x)4.1933%3,155
Efficiency ratio63.4680%5,347
Assets per employee ($millions)4.5975%2,751
Cash dividends to net income (ytd only)*65.0560%1,063
Condition Ratios (%)
Loss allowance to loans2.3499%1,548
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.7229%5,664
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets42.0039%6,979
Net loans and leases to deposits47.3826%7,111
Net loans and leases to core deposits49.6724%7,135
Total domestic deposits to total assets88.6485%1,592
Equity capital to assets11.0982%2,855
Core capital (leverage) ratio11.0020%2,260
Tier 1 risk-based capital ratio19.6492%1,615
Total risk-based capital ratio20.8810%1,589
Memoranda:
Average total assets$81,245,7505,626
Average earning assets$75,981,0005,546
Average equity$8,008,0005,789
Average total loans$35,790,0006,214
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7519%5,967
Cost of funding earning assets0.8701%6,695
Net interest margin3.8818%3,526
Noninterest income to average assets0.1847%6,584
Noninterest expense to average assets2.4649%5,864
Loan and lease loss provision to assets0.7414%1,952
Net operating income to assets0.5637%4,022
Return on assets (ROA)0.4837%4,556
Pretax return on assets0.5153%4,858
Return on Equity (ROE)5.1117%4,234
Retained earnings to average equity (ytd only)-3.8788%6,423
Net charge-offs to loans0.7997%2,247
Credit loss provision to net charge-offs208.9041%1,862
Earnings coverage of net charge-offs (x)3.7808%3,177
Efficiency ratio64.7510%5,197
Assets per employee ($millions)4.7318%2,532
Cash dividends to net income (ytd only)*175.8794%139
Condition Ratios (%)
Loss allowance to loans2.4156%1,413
Loan loss allowance to noncurrent loans680.8000%486
Noncurrent assets plus other real estate owned to assets0.8578%5,400
Noncurrent loans to loans0.3548%6,525
Net loans and leases to total assets42.7374%6,997
Net loans and leases to deposits48.6472%7,130
Net loans and leases to core deposits51.0052%7,170
Total domestic deposits to total assets87.8518%2,076
Equity capital to assets10.0709%3,924
Core capital (leverage) ratio9.9702%3,199
Tier 1 risk-based capital ratio18.2467%1,885
Total risk-based capital ratio19.4763%1,862
Memoranda:
Average total assets$82,275,3305,619
Average earning assets$76,769,0005,556
Average equity$7,786,0005,872
Average total loans$36,513,6706,221
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9273%5,316
Cost of funding earning assets0.8935%6,796
Net interest margin4.0338%2,719
Noninterest income to average assets0.0673%7,382
Noninterest expense to average assets2.4762%5,821
Loan and lease loss provision to assets1.2261%991
Net operating income to assets0.1157%5,981
Return on assets (ROA)0.5722%4,163
Pretax return on assets0.6058%4,582
Return on Equity (ROE)6.2398%3,752
Retained earnings to average equity (ytd only)6.2398%2,501
Net charge-offs to loans2.2500%756
Credit loss provision to net charge-offs122.0096%2,868
Earnings coverage of net charge-offs (x)1.3397%3,942
Efficiency ratio64.7799%5,345
Assets per employee ($millions)5.0600%2,153
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.0182%2,140
Loan loss allowance to noncurrent loans4,341.1765%86
Noncurrent assets plus other real estate owned to assets0.6766%5,823
Noncurrent loans to loans0.0465%7,295
Net loans and leases to total assets41.6531%7,145
Net loans and leases to deposits47.9062%7,241
Net loans and leases to core deposits52.0762%7,196
Total domestic deposits to total assets86.9472%2,657
Equity capital to assets9.2072%4,980
Core capital (leverage) ratio10.3922%2,726
Tier 1 risk-based capital ratio17.0045%2,268
Total risk-based capital ratio18.1834%2,236
Memoranda:
Average total assets$83,193,0005,658
Average earning assets$77,446,0005,588
Average equity$7,628,5005,970
Average total loans$37,156,0006,257
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6542%3,331
Cost of funding earning assets1.2322%6,540
Net interest margin4.4219%1,373
Noninterest income to average assets0.3567%5,547
Noninterest expense to average assets2.4178%6,410
Loan and lease loss provision to assets1.1007%2,072
Net operating income to assets0.9394%2,054
Return on assets (ROA)0.3579%4,394
Pretax return on assets0.3812%4,550
Return on Equity (ROE)3.6095%4,251
Retained earnings to average equity (ytd only)3.6095%2,656
Net charge-offs to loans2.1809%1,103
Credit loss provision to net charge-offs107.7016%5,142
Earnings coverage of net charge-offs (x)2.0554%4,186
Efficiency ratio53.5112%7,277
Assets per employee ($millions)4.7274%2,575
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.8334%2,438
Loan loss allowance to noncurrent loans276.8000%1,106
Noncurrent assets plus other real estate owned to assets1.0937%4,906
Noncurrent loans to loans0.6624%5,917
Net loans and leases to total assets46.1041%6,960
Net loans and leases to deposits53.1684%7,103
Net loans and leases to core deposits63.5268%7,117
Total domestic deposits to total assets86.7133%2,646
Equity capital to assets9.1295%4,942
Core capital (leverage) ratio10.6976%2,435
Tier 1 risk-based capital ratio15.4175%2,749
Total risk-based capital ratio16.5848%2,744
Memoranda:
Average total assets$81,312,2005,690
Average earning assets$76,527,6005,580
Average equity$8,062,0005,903
Average total loans$38,103,8006,198
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7213%3,234
Cost of funding earning assets1.2837%6,608
Net interest margin4.4376%1,345
Noninterest income to average assets0.3450%5,740
Noninterest expense to average assets2.4149%6,369
Loan and lease loss provision to assets0.8567%2,236
Net operating income to assets1.1787%1,519
Return on assets (ROA)0.1782%5,296
Pretax return on assets0.1913%5,321
Return on Equity (ROE)1.7630%5,243
Retained earnings to average equity (ytd only)1.7630%4,326
Net charge-offs to loans1.5185%1,341
Credit loss provision to net charge-offs120.4598%4,211
Earnings coverage of net charge-offs (x)2.9862%3,740
Efficiency ratio53.2061%7,317
Assets per employee ($millions)4.3925%3,049
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.8034%2,266
Loan loss allowance to noncurrent loans689.4231%494
Noncurrent assets plus other real estate owned to assets0.9271%5,217
Noncurrent loans to loans0.2616%6,855
Net loans and leases to total assets49.3796%6,836
Net loans and leases to deposits58.1553%6,953
Net loans and leases to core deposits69.8001%6,976
Total domestic deposits to total assets84.9099%3,283
Equity capital to assets8.8598%5,690
Core capital (leverage) ratio10.0892%3,188
Tier 1 risk-based capital ratio13.4304%3,905
Total risk-based capital ratio14.5323%3,947
Memoranda:
Average total assets$81,548,7505,707
Average earning assets$77,066,7505,589
Average equity$8,243,2505,904
Average total loans$38,193,7506,237
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6220%3,957
Cost of funding earning assets1.3278%6,710
Net interest margin4.2942%1,673
Noninterest income to average assets0.2816%6,254
Noninterest expense to average assets2.4182%6,405
Loan and lease loss provision to assets1.0901%1,574
Net operating income to assets0.7843%2,912
Return on assets (ROA)1.2431%1,454
Pretax return on assets1.3208%1,961
Return on Equity (ROE)11.8299%1,472
Retained earnings to average equity (ytd only)11.8299%471
Net charge-offs to loans2.2988%774
Credit loss provision to net charge-offs103.6952%4,427
Earnings coverage of net charge-offs (x)1.8291%4,199
Efficiency ratio55.7047%7,146
Assets per employee ($millions)4.3633%3,003
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.6389%2,577
Loan loss allowance to noncurrent loans400.0000%792
Noncurrent assets plus other real estate owned to assets0.9529%5,078
Noncurrent loans to loans0.4097%6,486
Net loans and leases to total assets46.6220%7,152
Net loans and leases to deposits53.6425%7,296
Net loans and leases to core deposits64.2385%7,291
Total domestic deposits to total assets86.9124%2,299
Equity capital to assets10.5533%3,338
Core capital (leverage) ratio10.5171%2,797
Tier 1 risk-based capital ratio13.8131%3,619
Total risk-based capital ratio14.7359%3,754
Memoranda:
Average total assets$82,376,6705,717
Average earning assets$77,872,3305,602
Average equity$8,656,0005,796
Average total loans$37,672,0006,310
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4922%4,955
Cost of funding earning assets1.3576%6,851
Net interest margin4.1346%2,142
Noninterest income to average assets0.2874%6,140
Noninterest expense to average assets2.1482%7,013
Loan and lease loss provision to assets2.1872%537
Net operating income to assets-0.1367%6,464
Return on assets (ROA)0.3166%5,406
Pretax return on assets0.3361%5,572
Return on Equity (ROE)3.0199%5,363
Retained earnings to average equity (ytd only)3.0199%4,197
Net charge-offs to loans4.6988%235
Credit loss provision to net charge-offs103.6952%3,632
Earnings coverage of net charge-offs (x)0.9677%4,288
Efficiency ratio51.2791%7,482
Assets per employee ($millions)4.4017%2,881
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.8005%1,848
Loan loss allowance to noncurrent loans399.3789%888
Noncurrent assets plus other real estate owned to assets0.9446%4,829
Noncurrent loans to loans0.4508%6,294
Net loans and leases to total assets41.9332%7,470
Net loans and leases to deposits47.7650%7,586
Net loans and leases to core deposits57.1182%7,563
Total domestic deposits to total assets87.7907%1,848
Equity capital to assets9.8908%4,127
Core capital (leverage) ratio10.0908%3,302
Tier 1 risk-based capital ratio13.9486%3,621
Total risk-based capital ratio15.0318%3,628
Memoranda:
Average total assets$82,113,5005,743
Average earning assets$77,492,0005,638
Average equity$8,609,5005,841
Average total loans$36,860,5006,388
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0329%5,400
Cost of funding earning assets1.9762%6,489
Net interest margin4.0567%2,886
Noninterest income to average assets0.2943%6,357
Noninterest expense to average assets2.1771%7,027
Loan and lease loss provision to assets0.6344%2,291
Net operating income to assets1.2127%1,737
Return on assets (ROA)1.1304%1,947
Pretax return on assets1.1977%2,650
Return on Equity (ROE)11.0499%1,891
Retained earnings to average equity (ytd only)11.0499%320
Net charge-offs to loans2.3767%429
Credit loss provision to net charge-offs52.9101%6,319
Earnings coverage of net charge-offs (x)1.6011%5,294
Efficiency ratio53.1434%7,363
Assets per employee ($millions)4.2418%3,048
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.6523%2,055
Loan loss allowance to noncurrent loans350.8380%1,158
Noncurrent assets plus other real estate owned to assets1.0026%4,324
Noncurrent loans to loans0.4710%5,932
Net loans and leases to total assets46.3806%7,294
Net loans and leases to deposits53.8733%7,445
Net loans and leases to core deposits64.9037%7,404
Total domestic deposits to total assets86.0920%2,360
Equity capital to assets11.1013%2,961
Core capital (leverage) ratio10.2259%3,240
Tier 1 risk-based capital ratio15.1790%2,967
Total risk-based capital ratio16.3393%2,924
Memoranda:
Average total assets$78,819,6005,736
Average earning assets$73,878,6005,667
Average equity$8,063,4006,065
Average total loans$39,760,4006,168