Home > First State Bank of Wyoming > Performance and Condition Ratios

First State Bank of Wyoming, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5298%4,457
Cost of funding earning assets0.2317%3,119
Net interest margin2.2981%4,412
Noninterest income to average assets0.3953%3,072
Noninterest expense to average assets2.0117%3,643
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.4854%4,122
Return on assets (ROA)0.4854%4,165
Pretax return on assets0.5956%4,116
Return on Equity (ROE)3.1573%4,336
Retained earnings to average equity (ytd only)2.0195%3,973
Net charge-offs to loans-0.0134%3,833
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1553%1,013
Assets per employee ($millions)7.7377%1,475
Cash dividends to net income (ytd only)*36.0360%2,239
Condition Ratios (%)
Loss allowance to loans2.5337%264
Loan loss allowance to noncurrent loans175.8583%2,776
Noncurrent assets plus other real estate owned to assets0.3927%1,651
Noncurrent loans to loans1.4408%642
Net loans and leases to total assets25.4668%4,641
Net loans and leases to deposits29.9780%4,622
Net loans and leases to core deposits30.3938%4,634
Total domestic deposits to total assets84.9518%3,284
Equity capital to assets14.4725%583
Core capital (leverage) ratio14.2835%577
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$228,662,0002,856
Average earning assets$220,093,8002,810
Average equity$35,157,0002,284
Average total loans$67,088,0003,709
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5570%4,533
Cost of funding earning assets0.2368%3,247
Net interest margin2.3202%4,470
Noninterest income to average assets0.4079%3,045
Noninterest expense to average assets2.0053%3,656
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.5260%4,149
Return on assets (ROA)0.5260%4,197
Pretax return on assets0.6352%4,180
Return on Equity (ROE)3.3685%4,407
Retained earnings to average equity (ytd only)3.3685%3,779
Net charge-offs to loans-0.0137%3,803
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.9446%1,039
Assets per employee ($millions)7.4637%1,591
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans2.4006%337
Loan loss allowance to noncurrent loans160.0404%2,834
Noncurrent assets plus other real estate owned to assets0.4321%1,737
Noncurrent loans to loans1.5000%702
Net loans and leases to total assets26.9979%4,678
Net loans and leases to deposits31.9826%4,673
Net loans and leases to core deposits32.4864%4,686
Total domestic deposits to total assets84.4145%3,332
Equity capital to assets14.8503%562
Core capital (leverage) ratio14.8480%514
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$225,860,2502,900
Average earning assets$217,333,2502,855
Average equity$35,267,5002,306
Average total loans$68,191,2503,743
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5620%4,574
Cost of funding earning assets0.2432%3,344
Net interest margin2.3188%4,499
Noninterest income to average assets0.4072%3,070
Noninterest expense to average assets2.2173%3,026
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.3720%4,435
Return on assets (ROA)0.3720%4,470
Pretax return on assets0.4198%4,484
Return on Equity (ROE)2.3409%4,562
Retained earnings to average equity (ytd only)2.3409%4,039
Net charge-offs to loans-0.0116%3,726
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.0808%540
Assets per employee ($millions)7.1078%1,720
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans2.3279%343
Loan loss allowance to noncurrent loans129.1191%3,061
Noncurrent assets plus other real estate owned to assets0.5672%1,468
Noncurrent loans to loans1.8029%576
Net loans and leases to total assets29.2010%4,676
Net loans and leases to deposits34.8611%4,658
Net loans and leases to core deposits35.4416%4,684
Total domestic deposits to total assets83.7640%3,505
Equity capital to assets15.4785%469
Core capital (leverage) ratio15.1038%458
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$221,534,6672,930
Average earning assets$213,037,0002,880
Average equity$35,200,6672,305
Average total loans$68,899,3333,745
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6974%4,482
Cost of funding earning assets0.2551%3,428
Net interest margin2.4423%4,371
Noninterest income to average assets0.4410%2,867
Noninterest expense to average assets2.0094%3,690
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.5984%3,949
Return on assets (ROA)0.5984%4,012
Pretax return on assets0.7796%3,852
Return on Equity (ROE)3.7161%4,341
Retained earnings to average equity (ytd only)3.7161%3,585
Net charge-offs to loans-0.0115%3,726
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0472%1,491
Assets per employee ($millions)6.9047%1,858
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans2.3048%360
Loan loss allowance to noncurrent loans127.1923%3,031
Noncurrent assets plus other real estate owned to assets0.5924%1,610
Noncurrent loans to loans1.8121%636
Net loans and leases to total assets30.3298%4,686
Net loans and leases to deposits36.2950%4,668
Net loans and leases to core deposits36.8667%4,689
Total domestic deposits to total assets83.5647%3,553
Equity capital to assets15.8334%405
Core capital (leverage) ratio15.6886%406
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$218,576,5002,941
Average earning assets$210,129,5002,892
Average equity$35,198,0002,293
Average total loans$69,348,5003,754
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1714%4,485
Cost of funding earning assets0.3825%3,692
Net interest margin2.7889%4,278
Noninterest income to average assets0.5046%2,610
Noninterest expense to average assets2.0014%4,139
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets0.9379%2,527
Return on assets (ROA)0.9582%2,592
Pretax return on assets1.1930%2,349
Return on Equity (ROE)5.4742%3,757
Retained earnings to average equity (ytd only)4.3175%2,641
Net charge-offs to loans0.2412%722
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)13.8976%2,253
Efficiency ratio63.1529%2,951
Assets per employee ($millions)6.9743%1,601
Cash dividends to net income (ytd only)*21.1305%3,194
Condition Ratios (%)
Loss allowance to loans2.2524%371
Loan loss allowance to noncurrent loans125.5167%3,033
Noncurrent assets plus other real estate owned to assets0.6142%1,718
Noncurrent loans to loans1.7945%696
Net loans and leases to total assets31.6940%4,714
Net loans and leases to deposits38.1937%4,698
Net loans and leases to core deposits39.0703%4,719
Total domestic deposits to total assets82.9821%3,418
Equity capital to assets16.3791%393
Core capital (leverage) ratio16.0758%379
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$197,563,4002,962
Average earning assets$188,747,0002,919
Average equity$34,580,4002,250
Average total loans$68,811,4003,760
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2413%4,543
Cost of funding earning assets0.4109%3,763
Net interest margin2.8305%4,289
Noninterest income to average assets0.5211%2,524
Noninterest expense to average assets1.9581%4,237
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets0.9839%2,394
Return on assets (ROA)1.0112%2,431
Pretax return on assets1.2973%2,060
Return on Equity (ROE)5.6749%3,672
Retained earnings to average equity (ytd only)5.6749%2,252
Net charge-offs to loans-0.0156%4,350
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.7940%3,261
Assets per employee ($millions)6.7756%1,637
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans2.4750%238
Loan loss allowance to noncurrent loans170.8577%2,466
Noncurrent assets plus other real estate owned to assets0.5227%2,131
Noncurrent loans to loans1.4486%993
Net loans and leases to total assets32.8860%4,770
Net loans and leases to deposits39.9545%4,751
Net loans and leases to core deposits40.9758%4,771
Total domestic deposits to total assets82.3085%3,340
Equity capital to assets16.8608%390
Core capital (leverage) ratio16.3730%385
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$192,903,7502,980
Average earning assets$183,993,5002,942
Average equity$34,372,5002,249
Average total loans$68,488,7503,782
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3818%4,556
Cost of funding earning assets0.4393%3,849
Net interest margin2.9425%4,235
Noninterest income to average assets0.5267%2,456
Noninterest expense to average assets2.0396%4,153
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.9952%2,348
Return on assets (ROA)1.0374%2,331
Pretax return on assets1.3387%1,913
Return on Equity (ROE)5.7076%3,600
Retained earnings to average equity (ytd only)5.7076%2,192
Net charge-offs to loans-0.0148%4,317
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3432%3,227
Assets per employee ($millions)6.3972%1,864
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans2.3722%258
Loan loss allowance to noncurrent loans173.0959%2,373
Noncurrent assets plus other real estate owned to assets0.5476%2,167
Noncurrent loans to loans1.3704%1,127
Net loans and leases to total assets36.3172%4,716
Net loans and leases to deposits44.5730%4,690
Net loans and leases to core deposits45.5294%4,722
Total domestic deposits to total assets81.4779%3,506
Equity capital to assets17.6372%327
Core capital (leverage) ratio17.0966%338
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$187,190,3333,023
Average earning assets$178,013,3332,976
Average equity$34,025,0002,256
Average total loans$67,709,0003,795
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4317%4,706
Cost of funding earning assets0.4597%4,117
Net interest margin2.9720%4,328
Noninterest income to average assets0.5153%2,469
Noninterest expense to average assets2.1605%4,099
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.9316%2,411
Return on assets (ROA)0.9316%2,520
Pretax return on assets1.1738%2,290
Return on Equity (ROE)5.0434%3,617
Retained earnings to average equity (ytd only)5.0434%2,260
Net charge-offs to loans-0.0124%4,151
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.7952%3,107
Assets per employee ($millions)5.9050%1,755
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans2.7053%193
Loan loss allowance to noncurrent loans161.1060%2,422
Noncurrent assets plus other real estate owned to assets0.6353%2,093
Noncurrent loans to loans1.6792%909
Net loans and leases to total assets34.3423%4,824
Net loans and leases to deposits42.5010%4,791
Net loans and leases to core deposits43.4950%4,816
Total domestic deposits to total assets80.8035%3,708
Equity capital to assets18.6475%310
Core capital (leverage) ratio18.1348%329
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$181,628,5003,034
Average earning assets$172,274,5002,993
Average equity$33,549,0002,269
Average total loans$64,677,5003,870
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4948%4,861
Cost of funding earning assets0.4303%4,338
Net interest margin3.0645%4,426
Noninterest income to average assets0.6091%2,174
Noninterest expense to average assets2.1132%4,336
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.1260%2,352
Return on assets (ROA)1.1256%2,447
Pretax return on assets1.4055%2,135
Return on Equity (ROE)6.4592%3,756
Retained earnings to average equity (ytd only)5.2019%2,311
Net charge-offs to loans0.0218%2,979
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)183.3571%421
Efficiency ratio60.0467%3,684
Assets per employee ($millions)5.6313%1,939
Cash dividends to net income (ytd only)*19.4647%3,492
Condition Ratios (%)
Loss allowance to loans2.6969%172
Loan loss allowance to noncurrent loans168.6957%2,388
Noncurrent assets plus other real estate owned to assets0.6187%2,036
Noncurrent loans to loans1.5987%882
Net loans and leases to total assets34.9584%4,872
Net loans and leases to deposits42.9919%4,847
Net loans and leases to core deposits44.0064%4,873
Total domestic deposits to total assets81.3139%3,699
Equity capital to assets18.2921%344
Core capital (leverage) ratio17.8390%347
Tier 1 risk-based capital ratio38.9485%255
Total risk-based capital ratio40.2084%251
Memoranda:
Average total assets$182,567,8002,987
Average earning assets$173,371,6002,946
Average equity$31,815,0002,310
Average total loans$64,328,6003,900
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4845%4,969
Cost of funding earning assets0.4249%4,419
Net interest margin3.0596%4,540
Noninterest income to average assets0.6348%2,049
Noninterest expense to average assets2.0674%4,418
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.1384%2,423
Return on assets (ROA)1.1378%2,510
Pretax return on assets1.4705%2,045
Return on Equity (ROE)6.6098%3,841
Retained earnings to average equity (ytd only)6.6098%2,052
Net charge-offs to loans0.0332%2,408
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)126.3291%622
Efficiency ratio58.4242%3,873
Assets per employee ($millions)5.6762%1,867
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans2.8132%157
Loan loss allowance to noncurrent loans150.1292%2,599
Noncurrent assets plus other real estate owned to assets0.6849%1,984
Noncurrent loans to loans1.8738%753
Net loans and leases to total assets33.1517%5,002
Net loans and leases to deposits40.7421%4,978
Net loans and leases to core deposits41.7781%4,999
Total domestic deposits to total assets81.3695%3,644
Equity capital to assets18.1179%387
Core capital (leverage) ratio17.7011%372
Tier 1 risk-based capital ratio39.1100%262
Total risk-based capital ratio40.3701%258
Memoranda:
Average total assets$183,159,0003,013
Average earning assets$173,832,7502,974
Average equity$31,528,0002,339
Average total loans$64,225,2503,939
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4862%5,016
Cost of funding earning assets0.4210%4,428
Net interest margin3.0652%4,593
Noninterest income to average assets0.6479%1,929
Noninterest expense to average assets2.0319%4,550
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.1769%2,235
Return on assets (ROA)1.1760%2,311
Pretax return on assets1.5245%1,776
Return on Equity (ROE)6.9526%3,696
Retained earnings to average equity (ytd only)6.9526%1,827
Net charge-offs to loans0.0585%1,807
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)73.7368%860
Efficiency ratio57.1166%4,113
Assets per employee ($millions)5.6526%1,824
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans2.7295%173
Loan loss allowance to noncurrent loans145.8508%2,694
Noncurrent assets plus other real estate owned to assets0.7071%1,938
Noncurrent loans to loans1.8714%801
Net loans and leases to total assets34.2811%5,025
Net loans and leases to deposits41.9439%5,000
Net loans and leases to core deposits43.0164%5,019
Total domestic deposits to total assets81.7308%3,597
Equity capital to assets17.8059%397
Core capital (leverage) ratio17.5020%382
Tier 1 risk-based capital ratio38.0295%273
Total risk-based capital ratio39.2892%266
Memoranda:
Average total assets$183,666,0003,013
Average earning assets$174,342,3302,981
Average equity$31,067,6702,352
Average total loans$64,980,6703,955
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4485%5,083
Cost of funding earning assets0.4037%4,467
Net interest margin3.0448%4,685
Noninterest income to average assets0.5036%2,531
Noninterest expense to average assets2.0729%4,507
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.0371%2,709
Return on assets (ROA)1.0354%2,760
Pretax return on assets1.3142%2,395
Return on Equity (ROE)6.2825%3,931
Retained earnings to average equity (ytd only)6.2825%2,329
Net charge-offs to loans-0.0122%4,301
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.1607%3,656
Assets per employee ($millions)5.6904%1,804
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans2.6910%194
Loan loss allowance to noncurrent loans140.5427%2,787
Noncurrent assets plus other real estate owned to assets0.9396%1,494
Noncurrent loans to loans1.9147%791
Net loans and leases to total assets34.9706%5,050
Net loans and leases to deposits42.4060%5,030
Net loans and leases to core deposits43.6456%5,050
Total domestic deposits to total assets82.4661%3,593
Equity capital to assets17.1143%438
Core capital (leverage) ratio17.0256%419
Tier 1 risk-based capital ratio36.7689%284
Total risk-based capital ratio38.0284%280
Memoranda:
Average total assets$185,057,0003,032
Average earning assets$175,382,0002,995
Average equity$30,497,5002,387
Average total loans$65,596,5003,974
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3609%5,039
Cost of funding earning assets0.2810%4,655
Net interest margin3.0798%4,679
Noninterest income to average assets0.3625%3,672
Noninterest expense to average assets2.0205%4,716
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.0146%2,949
Return on assets (ROA)1.0075%2,958
Pretax return on assets1.2435%2,724
Return on Equity (ROE)6.2931%4,071
Retained earnings to average equity (ytd only)4.9251%2,809
Net charge-offs to loans-0.0079%4,438
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7367%3,574
Assets per employee ($millions)6.0652%1,478
Cash dividends to net income (ytd only)*21.7391%3,416
Condition Ratios (%)
Loss allowance to loans2.6752%190
Loan loss allowance to noncurrent loans143.2410%2,789
Noncurrent assets plus other real estate owned to assets0.8983%1,547
Noncurrent loans to loans1.8676%743
Net loans and leases to total assets34.0356%5,124
Net loans and leases to deposits40.6071%5,111
Net loans and leases to core deposits41.6652%5,132
Total domestic deposits to total assets83.8167%3,056
Equity capital to assets15.8658%557
Core capital (leverage) ratio16.6558%442
Tier 1 risk-based capital ratio34.8521%324
Total risk-based capital ratio36.1115%319
Memoranda:
Average total assets$182,626,8003,029
Average earning assets$172,574,6002,996
Average equity$29,238,2002,378
Average total loans$63,079,8004,023
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3304%5,100
Cost of funding earning assets0.2742%4,661
Net interest margin3.0563%4,774
Noninterest income to average assets0.4560%3,132
Noninterest expense to average assets1.9888%4,763
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.0781%2,755
Return on assets (ROA)1.0746%2,776
Pretax return on assets1.3489%2,436
Return on Equity (ROE)6.6963%4,036
Retained earnings to average equity (ytd only)6.6963%2,284
Net charge-offs to loans-0.0064%4,278
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.5070%3,883
Assets per employee ($millions)5.9089%1,564
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans2.8000%171
Loan loss allowance to noncurrent loans143.7807%2,841
Noncurrent assets plus other real estate owned to assets1.0291%1,411
Noncurrent loans to loans1.9474%771
Net loans and leases to total assets33.2968%5,216
Net loans and leases to deposits39.8568%5,211
Net loans and leases to core deposits41.0083%5,221
Total domestic deposits to total assets83.5411%3,105
Equity capital to assets16.0075%539
Core capital (leverage) ratio16.8153%437
Tier 1 risk-based capital ratio35.8369%305
Total risk-based capital ratio37.0969%301
Memoranda:
Average total assets$181,278,2503,062
Average earning assets$171,184,2503,038
Average equity$29,090,0002,396
Average total loans$62,411,5004,074
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3211%5,121
Cost of funding earning assets0.2694%4,638
Net interest margin3.0516%4,809
Noninterest income to average assets0.4096%3,425
Noninterest expense to average assets1.9840%4,826
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.0429%2,838
Return on assets (ROA)1.0429%2,837
Pretax return on assets1.3097%2,470
Return on Equity (ROE)6.4937%4,066
Retained earnings to average equity (ytd only)6.4937%2,314
Net charge-offs to loans-0.0257%4,676
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.2353%3,904
Assets per employee ($millions)5.3623%2,033
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans2.8130%179
Loan loss allowance to noncurrent loans139.9523%2,894
Noncurrent assets plus other real estate owned to assets1.0539%1,412
Noncurrent loans to loans2.0100%742
Net loans and leases to total assets34.4018%5,229
Net loans and leases to deposits41.4108%5,209
Net loans and leases to core deposits42.6416%5,223
Total domestic deposits to total assets83.0743%3,392
Equity capital to assets16.4888%446
Core capital (leverage) ratio16.8317%415
Tier 1 risk-based capital ratio35.8432%313
Total risk-based capital ratio37.1038%303
Memoranda:
Average total assets$180,645,3303,087
Average earning assets$170,728,6703,058
Average equity$29,012,6702,415
Average total loans$62,299,0004,111
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2025%5,234
Cost of funding earning assets0.2688%4,588
Net interest margin2.9337%4,981
Noninterest income to average assets0.4493%3,115
Noninterest expense to average assets1.9968%4,855
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.9688%2,989
Return on assets (ROA)0.9688%3,017
Pretax return on assets1.2275%2,654
Return on Equity (ROE)6.1113%4,120
Retained earnings to average equity (ytd only)6.1113%2,659
Net charge-offs to loans-0.0322%4,775
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.9307%3,801
Assets per employee ($millions)6.0016%1,514
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans2.8468%180
Loan loss allowance to noncurrent loans133.5611%2,951
Noncurrent assets plus other real estate owned to assets1.1353%1,360
Noncurrent loans to loans2.1314%723
Net loans and leases to total assets33.3413%5,286
Net loans and leases to deposits39.8680%5,267
Net loans and leases to core deposits40.9429%5,288
Total domestic deposits to total assets83.6293%3,459
Equity capital to assets15.9619%490
Core capital (leverage) ratio16.5199%429
Tier 1 risk-based capital ratio34.7231%330
Total risk-based capital ratio35.9826%328
Memoranda:
Average total assets$182,490,0003,105
Average earning assets$172,616,0003,062
Average equity$28,930,0002,441
Average total loans$62,129,5004,148
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1963%5,191
Cost of funding earning assets0.2770%4,349
Net interest margin2.9192%5,017
Noninterest income to average assets0.4721%3,174
Noninterest expense to average assets1.9937%4,971
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.9215%2,590
Return on assets (ROA)0.9009%2,735
Pretax return on assets1.2107%2,731
Return on Equity (ROE)5.6227%3,905
Retained earnings to average equity (ytd only)4.4079%2,514
Net charge-offs to loans0.4773%497
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)7.6267%3,017
Efficiency ratio61.6827%3,988
Assets per employee ($millions)5.6040%1,843
Cash dividends to net income (ytd only)*21.6049%3,629
Condition Ratios (%)
Loss allowance to loans2.8077%176
Loan loss allowance to noncurrent loans131.1892%3,062
Noncurrent assets plus other real estate owned to assets1.1172%1,343
Noncurrent loans to loans2.1402%696
Net loans and leases to total assets32.8313%5,373
Net loans and leases to deposits39.3437%5,356
Net loans and leases to core deposits40.3896%5,378
Total domestic deposits to total assets83.4475%3,404
Equity capital to assets15.7468%549
Core capital (leverage) ratio15.9899%477
Tier 1 risk-based capital ratio33.4874%357
Total risk-based capital ratio34.7459%350
Memoranda:
Average total assets$179,816,4003,116
Average earning assets$170,011,0003,073
Average equity$28,812,0002,444
Average total loans$61,171,6004,174
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2005%5,230
Cost of funding earning assets0.2781%4,337
Net interest margin2.9224%5,061
Noninterest income to average assets0.4847%3,122
Noninterest expense to average assets1.9558%5,034
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.9494%2,782
Return on assets (ROA)0.9649%2,765
Pretax return on assets1.3121%2,428
Return on Equity (ROE)5.9949%4,127
Retained earnings to average equity (ytd only)5.9949%2,241
Net charge-offs to loans0.6420%311
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)5.9010%3,049
Efficiency ratio60.2346%4,173
Assets per employee ($millions)5.5459%1,883
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans2.9150%171
Loan loss allowance to noncurrent loans117.1009%3,270
Noncurrent assets plus other real estate owned to assets1.2168%1,349
Noncurrent loans to loans2.4893%617
Net loans and leases to total assets31.9014%5,460
Net loans and leases to deposits38.2811%5,454
Net loans and leases to core deposits39.3103%5,476
Total domestic deposits to total assets83.3346%3,349
Equity capital to assets16.2130%510
Core capital (leverage) ratio16.0648%486
Tier 1 risk-based capital ratio34.3845%342
Total risk-based capital ratio35.6438%331
Memoranda:
Average total assets$178,537,2503,161
Average earning assets$168,759,2503,115
Average equity$28,734,7502,463
Average total loans$60,847,0004,221
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2056%5,231
Cost of funding earning assets0.2801%4,288
Net interest margin2.9255%5,049
Noninterest income to average assets0.4733%3,199
Noninterest expense to average assets1.9882%5,000
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.9171%2,824
Return on assets (ROA)0.9229%2,850
Pretax return on assets1.2539%2,563
Return on Equity (ROE)5.7490%4,156
Retained earnings to average equity (ytd only)5.7490%2,263
Net charge-offs to loans0.9659%203
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)3.7390%3,007
Efficiency ratio61.4740%4,087
Assets per employee ($millions)5.7561%1,648
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans2.9155%174
Loan loss allowance to noncurrent loans110.0566%3,394
Noncurrent assets plus other real estate owned to assets1.3265%1,230
Noncurrent loans to loans2.6491%536
Net loans and leases to total assets32.6767%5,482
Net loans and leases to deposits39.2850%5,472
Net loans and leases to core deposits40.3622%5,487
Total domestic deposits to total assets83.1786%3,512
Equity capital to assets16.4196%482
Core capital (leverage) ratio16.2537%443
Tier 1 risk-based capital ratio33.8862%334
Total risk-based capital ratio35.1454%330
Memoranda:
Average total assets$177,045,0003,193
Average earning assets$167,082,3303,148
Average equity$28,422,3302,477
Average total loans$61,083,6704,239
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1654%5,290
Cost of funding earning assets0.2836%4,217
Net interest margin2.8818%5,119
Noninterest income to average assets0.5081%2,921
Noninterest expense to average assets2.0482%4,940
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.9481%2,532
Return on assets (ROA)0.9572%2,553
Pretax return on assets1.1908%2,631
Return on Equity (ROE)6.0320%3,893
Retained earnings to average equity (ytd only)6.0320%2,313
Net charge-offs to loans1.9352%82
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)1.7450%2,691
Efficiency ratio63.4575%3,924
Assets per employee ($millions)5.6551%1,763
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans2.8832%202
Loan loss allowance to noncurrent loans131.4286%3,096
Noncurrent assets plus other real estate owned to assets1.2886%1,322
Noncurrent loans to loans2.1937%775
Net loans and leases to total assets33.5858%5,481
Net loans and leases to deposits40.2127%5,467
Net loans and leases to core deposits41.4107%5,483
Total domestic deposits to total assets83.5205%3,649
Equity capital to assets16.2045%462
Core capital (leverage) ratio16.2015%439
Tier 1 risk-based capital ratio33.6374%362
Total risk-based capital ratio34.8966%357
Memoranda:
Average total assets$176,348,0003,229
Average earning assets$166,423,0003,184
Average equity$27,984,0002,517
Average total loans$61,596,0004,255
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3830%5,017
Cost of funding earning assets0.3073%3,985
Net interest margin3.0757%4,788
Noninterest income to average assets0.4920%3,290
Noninterest expense to average assets2.0206%5,147
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.9878%2,401
Return on assets (ROA)1.0007%2,453
Pretax return on assets1.3945%1,965
Return on Equity (ROE)6.1327%3,910
Retained earnings to average equity (ytd only)4.8927%2,415
Net charge-offs to loans0.0116%3,884
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)340.1429%236
Efficiency ratio59.4792%4,664
Assets per employee ($millions)5.5433%1,832
Cash dividends to net income (ytd only)*20.2195%3,715
Condition Ratios (%)
Loss allowance to loans3.2702%132
Loan loss allowance to noncurrent loans107.6842%3,468
Noncurrent assets plus other real estate owned to assets1.5097%1,097
Noncurrent loans to loans3.0368%446
Net loans and leases to total assets34.1169%5,546
Net loans and leases to deposits40.5010%5,531
Net loans and leases to core deposits41.6803%5,552
Total domestic deposits to total assets84.2373%3,338
Equity capital to assets15.5367%559
Core capital (leverage) ratio15.8656%476
Tier 1 risk-based capital ratio32.6223%389
Total risk-based capital ratio33.8855%383
Memoranda:
Average total assets$172,970,8003,246
Average earning assets$163,374,8003,191
Average equity$28,225,8002,499
Average total loans$60,270,8004,289
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4365%4,944
Cost of funding earning assets0.3120%3,952
Net interest margin3.1245%4,709
Noninterest income to average assets0.5438%2,949
Noninterest expense to average assets2.0155%5,170
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.0450%2,223
Return on assets (ROA)1.0620%2,263
Pretax return on assets1.5042%1,702
Return on Equity (ROE)6.4288%3,869
Retained earnings to average equity (ytd only)6.4288%1,948
Net charge-offs to loans-0.0089%4,742
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6565%4,864
Assets per employee ($millions)5.6205%1,743
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans3.5007%117
Loan loss allowance to noncurrent loans104.7886%3,518
Noncurrent assets plus other real estate owned to assets1.7103%993
Noncurrent loans to loans3.3407%407
Net loans and leases to total assets32.5440%5,662
Net loans and leases to deposits39.3905%5,648
Net loans and leases to core deposits40.5262%5,668
Total domestic deposits to total assets82.6189%3,740
Equity capital to assets16.7745%451
Core capital (leverage) ratio15.8994%495
Tier 1 risk-based capital ratio33.3922%372
Total risk-based capital ratio34.6570%369
Memoranda:
Average total assets$171,866,7503,270
Average earning assets$162,371,0003,212
Average equity$28,392,2502,505
Average total loans$59,697,2504,338
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4830%4,919
Cost of funding earning assets0.3166%3,946
Net interest margin3.1664%4,652
Noninterest income to average assets0.4863%3,287
Noninterest expense to average assets2.0272%5,219
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.0205%2,295
Return on assets (ROA)1.0393%2,347
Pretax return on assets1.4789%1,744
Return on Equity (ROE)6.3243%3,891
Retained earnings to average equity (ytd only)6.3243%1,947
Net charge-offs to loans0.0200%3,095
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)207.0000%318
Efficiency ratio58.2661%4,867
Assets per employee ($millions)5.4113%1,877
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans3.4247%133
Loan loss allowance to noncurrent loans104.8668%3,606
Noncurrent assets plus other real estate owned to assets1.7152%1,039
Noncurrent loans to loans3.2657%426
Net loans and leases to total assets33.3360%5,701
Net loans and leases to deposits40.9122%5,657
Net loans and leases to core deposits42.1141%5,678
Total domestic deposits to total assets81.4820%4,144
Equity capital to assets16.7116%465
Core capital (leverage) ratio15.8210%487
Tier 1 risk-based capital ratio33.0800%380
Total risk-based capital ratio34.3441%375
Memoranda:
Average total assets$171,077,3303,296
Average earning assets$161,698,3303,246
Average equity$28,114,0002,525
Average total loans$60,009,6704,348
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5703%4,704
Cost of funding earning assets0.3311%3,824
Net interest margin3.2392%4,434
Noninterest income to average assets0.4681%3,351
Noninterest expense to average assets2.0208%5,290
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.0586%2,056
Return on assets (ROA)1.0751%2,104
Pretax return on assets1.5314%1,502
Return on Equity (ROE)6.5988%3,673
Retained earnings to average equity (ytd only)6.5988%2,084
Net charge-offs to loans0.0067%2,890
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)641.0000%78
Efficiency ratio57.2667%5,073
Assets per employee ($millions)5.6767%1,684
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans3.3975%152
Loan loss allowance to noncurrent loans98.2767%3,665
Noncurrent assets plus other real estate owned to assets1.8737%967
Noncurrent loans to loans3.4571%396
Net loans and leases to total assets34.2768%5,704
Net loans and leases to deposits41.2832%5,672
Net loans and leases to core deposits42.4146%5,700
Total domestic deposits to total assets83.0284%3,882
Equity capital to assets16.4837%480
Core capital (leverage) ratio15.8470%493
Tier 1 risk-based capital ratio32.9159%398
Total risk-based capital ratio34.1804%393
Memoranda:
Average total assets$170,035,5003,325
Average earning assets$160,657,0003,273
Average equity$27,702,0002,548
Average total loans$60,128,5004,365
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5701%4,749
Cost of funding earning assets0.3613%3,567
Net interest margin3.2088%4,600
Noninterest income to average assets0.6413%2,511
Noninterest expense to average assets2.1454%5,161
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.0992%1,932
Return on assets (ROA)1.0873%2,044
Pretax return on assets1.5090%1,526
Return on Equity (ROE)6.6630%3,704
Retained earnings to average equity (ytd only)5.5413%2,056
Net charge-offs to loans0.0575%3,073
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)71.4286%755
Efficiency ratio58.4441%5,092
Assets per employee ($millions)5.4764%1,833
Cash dividends to net income (ytd only)*16.8350%3,879
Condition Ratios (%)
Loss allowance to loans3.4314%138
Loan loss allowance to noncurrent loans118.6705%3,290
Noncurrent assets plus other real estate owned to assets1.7023%1,140
Noncurrent loans to loans2.8915%575
Net loans and leases to total assets34.0327%5,776
Net loans and leases to deposits40.6877%5,752
Net loans and leases to core deposits42.2186%5,759
Total domestic deposits to total assets83.6437%3,619
Equity capital to assets16.0995%510
Core capital (leverage) ratio15.8025%488
Tier 1 risk-based capital ratio32.2119%425
Total risk-based capital ratio33.4769%417
Memoranda:
Average total assets$163,886,0003,383
Average earning assets$154,729,4003,332
Average equity$26,744,6002,577
Average total loans$60,904,6004,355
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5652%4,834
Cost of funding earning assets0.3669%3,586
Net interest margin3.1983%4,671
Noninterest income to average assets0.6871%2,293
Noninterest expense to average assets2.0876%5,301
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.1552%1,814
Return on assets (ROA)1.1394%1,936
Pretax return on assets1.5975%1,388
Return on Equity (ROE)6.9578%3,648
Retained earnings to average equity (ytd only)6.9578%1,712
Net charge-offs to loans0.0044%4,023
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)985.2434%78
Efficiency ratio56.3109%5,310
Assets per employee ($millions)5.5269%1,765
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans3.4567%158
Loan loss allowance to noncurrent loans89.9138%3,903
Noncurrent assets plus other real estate owned to assets2.0994%941
Noncurrent loans to loans3.8445%362
Net loans and leases to total assets35.1370%5,811
Net loans and leases to deposits42.2768%5,795
Net loans and leases to core deposits44.1692%5,788
Total domestic deposits to total assets83.1118%3,774
Equity capital to assets16.4944%491
Core capital (leverage) ratio15.7741%522
Tier 1 risk-based capital ratio32.4100%432
Total risk-based capital ratio33.6762%424
Memoranda:
Average total assets$162,415,2503,439
Average earning assets$153,368,2503,379
Average equity$26,597,7502,597
Average total loans$61,173,2504,393
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5668%4,817
Cost of funding earning assets0.3692%3,606
Net interest margin3.1976%4,672
Noninterest income to average assets0.7787%1,874
Noninterest expense to average assets2.0969%5,344
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.2036%1,591
Return on assets (ROA)1.2115%1,643
Pretax return on assets1.7113%1,062
Return on Equity (ROE)7.4163%3,362
Retained earnings to average equity (ytd only)7.4163%1,511
Net charge-offs to loans-0.0195%5,169
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.2253%5,495
Assets per employee ($millions)5.3145%1,912
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans3.3894%177
Loan loss allowance to noncurrent loans71.0071%4,461
Noncurrent assets plus other real estate owned to assets2.1402%990
Noncurrent loans to loans4.7734%261
Net loans and leases to total assets36.2287%5,806
Net loans and leases to deposits43.3031%5,791
Net loans and leases to core deposits45.2386%5,794
Total domestic deposits to total assets83.6629%3,708
Equity capital to assets16.0791%523
Core capital (leverage) ratio16.0725%454
Tier 1 risk-based capital ratio31.5225%473
Total risk-based capital ratio32.7881%469
Memoranda:
Average total assets$161,284,3303,470
Average earning assets$152,237,0003,415
Average equity$26,347,3302,628
Average total loans$61,449,0004,424
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5645%4,791
Cost of funding earning assets0.3777%3,556
Net interest margin3.1867%4,659
Noninterest income to average assets0.9727%1,181
Noninterest expense to average assets2.1159%5,344
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.3613%1,112
Return on assets (ROA)1.3613%1,177
Pretax return on assets1.8602%776
Return on Equity (ROE)8.2661%2,821
Retained earnings to average equity (ytd only)8.2661%1,468
Net charge-offs to loans-0.0326%5,301
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.2156%5,733
Assets per employee ($millions)5.3520%1,946
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans3.4284%192
Loan loss allowance to noncurrent loans64.1828%4,595
Noncurrent assets plus other real estate owned to assets2.4427%885
Noncurrent loans to loans5.3417%229
Net loans and leases to total assets36.7181%5,796
Net loans and leases to deposits44.3424%5,744
Net loans and leases to core deposits46.3979%5,737
Total domestic deposits to total assets82.8059%4,232
Equity capital to assets16.6516%474
Core capital (leverage) ratio15.9431%473
Tier 1 risk-based capital ratio31.1977%487
Total risk-based capital ratio32.4644%484
Memoranda:
Average total assets$159,552,5003,512
Average earning assets$150,373,5003,461
Average equity$26,276,0002,652
Average total loans$61,283,5004,461
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7968%4,504
Cost of funding earning assets0.4283%3,399
Net interest margin3.3684%4,335
Noninterest income to average assets0.5861%2,945
Noninterest expense to average assets2.0784%5,621
Loan and lease loss provision to assets0.0193%4,231
Net operating income to assets1.1575%1,737
Return on assets (ROA)1.1993%1,650
Pretax return on assets1.7500%894
Return on Equity (ROE)7.5379%3,356
Retained earnings to average equity (ytd only)6.3234%1,744
Net charge-offs to loans0.7555%474
Credit loss provision to net charge-offs6.5076%4,141
Earnings coverage of net charge-offs (x)5.7549%3,361
Efficiency ratio54.8810%5,772
Assets per employee ($millions)5.2848%1,982
Cash dividends to net income (ytd only)*16.1117%3,944
Condition Ratios (%)
Loss allowance to loans3.3941%201
Loan loss allowance to noncurrent loans67.4855%4,587
Noncurrent assets plus other real estate owned to assets2.5627%888
Noncurrent loans to loans5.0293%290
Net loans and leases to total assets37.4855%5,881
Net loans and leases to deposits44.9078%5,848
Net loans and leases to core deposits47.0041%5,852
Total domestic deposits to total assets83.4721%3,922
Equity capital to assets16.2832%502
Core capital (leverage) ratio15.7121%500
Tier 1 risk-based capital ratio32.4456%418
Total risk-based capital ratio33.7134%409
Memoranda:
Average total assets$155,260,2003,561
Average earning assets$147,545,8003,484
Average equity$24,702,0002,695
Average total loans$61,022,2004,459
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8133%4,493
Cost of funding earning assets0.4349%3,419
Net interest margin3.3785%4,322
Noninterest income to average assets0.5974%2,890
Noninterest expense to average assets2.0322%5,715
Loan and lease loss provision to assets0.0259%3,890
Net operating income to assets1.1787%1,754
Return on assets (ROA)1.2320%1,633
Pretax return on assets1.8380%818
Return on Equity (ROE)7.7901%3,323
Retained earnings to average equity (ytd only)7.7901%1,455
Net charge-offs to loans0.8320%399
Credit loss provision to net charge-offs7.8947%3,733
Earnings coverage of net charge-offs (x)5.4395%3,262
Efficiency ratio53.2459%5,897
Assets per employee ($millions)5.4536%1,768
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans3.4698%234
Loan loss allowance to noncurrent loans94.1840%3,812
Noncurrent assets plus other real estate owned to assets1.9582%1,476
Noncurrent loans to loans3.6841%623
Net loans and leases to total assets38.1708%5,933
Net loans and leases to deposits45.7816%5,878
Net loans and leases to core deposits47.9328%5,886
Total domestic deposits to total assets83.3758%4,005
Equity capital to assets16.1550%538
Core capital (leverage) ratio15.8218%504
Tier 1 risk-based capital ratio33.4187%407
Total risk-based capital ratio34.6900%398
Memoranda:
Average total assets$154,439,2503,599
Average earning assets$147,164,5003,520
Average equity$24,423,5002,722
Average total loans$60,898,0004,503
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8098%4,491
Cost of funding earning assets0.4472%3,361
Net interest margin3.3625%4,344
Noninterest income to average assets0.5679%3,001
Noninterest expense to average assets2.0718%5,683
Loan and lease loss provision to assets0.0392%3,522
Net operating income to assets1.1062%1,917
Return on assets (ROA)1.1867%1,707
Pretax return on assets1.7768%884
Return on Equity (ROE)7.5599%3,341
Retained earnings to average equity (ytd only)7.5599%1,497
Net charge-offs to loans1.3720%212
Credit loss provision to net charge-offs7.2464%3,336
Earnings coverage of net charge-offs (x)3.1377%3,384
Efficiency ratio54.9896%5,830
Assets per employee ($millions)5.2826%1,889
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans3.5336%242
Loan loss allowance to noncurrent loans56.2253%4,934
Noncurrent assets plus other real estate owned to assets2.9570%865
Noncurrent loans to loans6.2846%237
Net loans and leases to total assets38.0646%5,954
Net loans and leases to deposits46.2831%5,870
Net loans and leases to core deposits48.6855%5,864
Total domestic deposits to total assets82.2429%4,573
Equity capital to assets16.3223%499
Core capital (leverage) ratio15.9526%486
Tier 1 risk-based capital ratio32.8417%417
Total risk-based capital ratio34.1123%409
Memoranda:
Average total assets$153,200,6703,633
Average earning assets$145,782,3303,571
Average equity$24,048,0002,754
Average total loans$60,351,0004,537
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7878%4,537
Cost of funding earning assets0.4535%3,391
Net interest margin3.3343%4,402
Noninterest income to average assets0.5875%2,806
Noninterest expense to average assets2.0443%5,794
Loan and lease loss provision to assets0.0783%2,582
Net operating income to assets1.0992%1,818
Return on assets (ROA)1.0992%1,880
Pretax return on assets1.6318%1,104
Return on Equity (ROE)7.1448%3,388
Retained earnings to average equity (ytd only)7.1448%1,959
Net charge-offs to loans2.7462%78
Credit loss provision to net charge-offs7.2464%2,630
Earnings coverage of net charge-offs (x)1.5821%3,064
Efficiency ratio54.4506%5,977
Assets per employee ($millions)5.3086%1,900
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans3.5924%249
Loan loss allowance to noncurrent loans75.9701%4,300
Noncurrent assets plus other real estate owned to assets2.5210%1,260
Noncurrent loans to loans4.7287%489
Net loans and leases to total assets37.2000%6,005
Net loans and leases to deposits44.2892%5,961
Net loans and leases to core deposits46.5446%5,959
Total domestic deposits to total assets83.9934%4,278
Equity capital to assets15.6013%587
Core capital (leverage) ratio15.7752%505
Tier 1 risk-based capital ratio28.2142%627
Total risk-based capital ratio29.4799%612
Memoranda:
Average total assets$153,203,5003,663
Average earning assets$145,519,5003,596
Average equity$23,569,5002,788
Average total loans$60,302,0004,576
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8766%4,549
Cost of funding earning assets0.5688%2,935
Net interest margin3.3078%4,635
Noninterest income to average assets0.5727%3,258
Noninterest expense to average assets2.1212%5,785
Loan and lease loss provision to assets0.2019%1,845
Net operating income to assets0.8845%2,857
Return on assets (ROA)0.8836%2,948
Pretax return on assets1.3830%1,854
Return on Equity (ROE)5.6009%4,328
Retained earnings to average equity (ytd only)4.5345%2,943
Net charge-offs to loans0.1229%3,578
Credit loss provision to net charge-offs400.0000%566
Earnings coverage of net charge-offs (x)31.4267%1,137
Efficiency ratio57.2155%5,823
Assets per employee ($millions)5.2572%1,896
Cash dividends to net income (ytd only)*19.0404%3,751
Condition Ratios (%)
Loss allowance to loans4.1176%186
Loan loss allowance to noncurrent loans75.9036%4,305
Noncurrent assets plus other real estate owned to assets2.9083%1,097
Noncurrent loans to loans5.4247%425
Net loans and leases to total assets38.4899%6,056
Net loans and leases to deposits45.4973%6,045
Net loans and leases to core deposits47.9138%6,038
Total domestic deposits to total assets84.5984%3,926
Equity capital to assets15.1655%646
Core capital (leverage) ratio15.5156%538
Tier 1 risk-based capital ratio27.3463%651
Total risk-based capital ratio28.6174%635
Memoranda:
Average total assets$148,593,2003,731
Average earning assets$140,818,8003,653
Average equity$23,442,6002,779
Average total loans$61,030,6004,578
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8884%4,550
Cost of funding earning assets0.5945%2,856
Net interest margin3.2939%4,662
Noninterest income to average assets0.6232%3,022
Noninterest expense to average assets2.0186%5,975
Loan and lease loss provision to assets0.2032%1,784
Net operating income to assets0.9829%2,455
Return on assets (ROA)0.9817%2,561
Pretax return on assets1.5173%1,554
Return on Equity (ROE)6.1612%4,101
Retained earnings to average equity (ytd only)6.1612%2,306
Net charge-offs to loans0.1618%2,939
Credit loss provision to net charge-offs304.0541%836
Earnings coverage of net charge-offs (x)25.7713%1,373
Efficiency ratio53.9594%6,103
Assets per employee ($millions)5.1923%1,946
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans4.0418%231
Loan loss allowance to noncurrent loans86.4006%3,863
Noncurrent assets plus other real estate owned to assets2.7952%1,341
Noncurrent loans to loans4.6779%674
Net loans and leases to total assets38.5661%6,137
Net loans and leases to deposits45.9111%6,105
Net loans and leases to core deposits48.0430%6,122
Total domestic deposits to total assets84.0016%4,182
Equity capital to assets15.6211%613
Core capital (leverage) ratio15.6571%546
Tier 1 risk-based capital ratio27.9689%636
Total risk-based capital ratio29.2401%625
Memoranda:
Average total assets$147,627,0003,786
Average earning assets$139,729,7503,702
Average equity$23,523,0002,801
Average total loans$60,988,0004,620
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8821%4,544
Cost of funding earning assets0.6117%2,831
Net interest margin3.2703%4,687
Noninterest income to average assets0.6478%2,924
Noninterest expense to average assets2.0171%6,016
Loan and lease loss provision to assets0.2046%1,851
Net operating income to assets0.9851%2,390
Return on assets (ROA)0.9833%2,546
Pretax return on assets1.5221%1,554
Return on Equity (ROE)6.1301%4,090
Retained earnings to average equity (ytd only)6.1301%2,355
Net charge-offs to loans0.0131%4,592
Credit loss provision to net charge-offs3,750.0000%80
Earnings coverage of net charge-offs (x)317.0000%160
Efficiency ratio53.8406%6,157
Assets per employee ($millions)5.0205%2,093
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans3.8902%278
Loan loss allowance to noncurrent loans81.2521%3,987
Noncurrent assets plus other real estate owned to assets3.0606%1,325
Noncurrent loans to loans4.7878%697
Net loans and leases to total assets41.4042%5,941
Net loans and leases to deposits49.4200%5,888
Net loans and leases to core deposits51.6693%5,915
Total domestic deposits to total assets83.7802%4,420
Equity capital to assets15.8626%546
Core capital (leverage) ratio15.7549%488
Tier 1 risk-based capital ratio27.8045%640
Total risk-based capital ratio29.0751%628
Memoranda:
Average total assets$146,643,3303,825
Average earning assets$138,946,0003,738
Average equity$23,523,3302,818
Average total loans$61,144,6704,637
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7828%4,881
Cost of funding earning assets0.6267%2,864
Net interest margin3.1562%5,070
Noninterest income to average assets0.6550%2,853
Noninterest expense to average assets1.9868%6,128
Loan and lease loss provision to assets0.2038%1,819
Net operating income to assets0.9594%2,404
Return on assets (ROA)0.9594%2,535
Pretax return on assets1.4623%1,675
Return on Equity (ROE)5.9484%4,077
Retained earnings to average equity (ytd only)5.9484%2,704
Net charge-offs to loans0.0795%3,040
Credit loss provision to net charge-offs625.0000%438
Earnings coverage of net charge-offs (x)51.0833%665
Efficiency ratio54.3899%6,197
Assets per employee ($millions)5.2145%1,963
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans3.8920%315
Loan loss allowance to noncurrent loans80.8854%3,922
Noncurrent assets plus other real estate owned to assets3.0800%1,442
Noncurrent loans to loans4.8118%810
Net loans and leases to total assets39.8634%6,011
Net loans and leases to deposits47.8639%5,929
Net loans and leases to core deposits49.9177%5,979
Total domestic deposits to total assets83.2849%4,767
Equity capital to assets16.3651%509
Core capital (leverage) ratio15.5995%503
Tier 1 risk-based capital ratio28.3883%620
Total risk-based capital ratio29.6590%608
Memoranda:
Average total assets$147,168,0003,859
Average earning assets$139,789,0003,769
Average equity$23,737,5002,831
Average total loans$60,356,0004,693
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1929%4,616
Cost of funding earning assets0.7769%2,853
Net interest margin3.4159%4,830
Noninterest income to average assets0.4732%4,078
Noninterest expense to average assets2.1404%6,049
Loan and lease loss provision to assets0.3783%1,731
Net operating income to assets0.8157%3,214
Return on assets (ROA)0.8157%3,459
Pretax return on assets1.1720%2,900
Return on Equity (ROE)5.1121%4,626
Retained earnings to average equity (ytd only)4.0345%3,376
Net charge-offs to loans0.1963%3,805
Credit loss provision to net charge-offs450.8197%533
Earnings coverage of net charge-offs (x)18.4754%1,434
Efficiency ratio57.9948%5,827
Assets per employee ($millions)5.2975%1,901
Cash dividends to net income (ytd only)*21.0793%3,704
Condition Ratios (%)
Loss allowance to loans3.8153%327
Loan loss allowance to noncurrent loans78.5421%3,959
Noncurrent assets plus other real estate owned to assets3.0473%1,551
Noncurrent loans to loans4.8577%841
Net loans and leases to total assets39.0056%6,228
Net loans and leases to deposits46.5395%6,215
Net loans and leases to core deposits48.4853%6,236
Total domestic deposits to total assets83.8118%4,402
Equity capital to assets15.8977%573
Core capital (leverage) ratio15.2188%541
Tier 1 risk-based capital ratio27.5037%661
Total risk-based capital ratio28.7728%643
Memoranda:
Average total assets$145,392,0003,855
Average earning assets$136,945,8003,775
Average equity$23,200,0002,828
Average total loans$62,162,4004,628
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2795%4,529
Cost of funding earning assets0.7996%2,941
Net interest margin3.4798%4,714
Noninterest income to average assets0.4903%3,982
Noninterest expense to average assets2.1254%6,117
Loan and lease loss provision to assets0.4839%1,278
Net operating income to assets0.8028%3,438
Return on assets (ROA)0.8028%3,683
Pretax return on assets1.1540%3,149
Return on Equity (ROE)5.0262%4,806
Retained earnings to average equity (ytd only)5.0262%3,346
Net charge-offs to loans0.4489%2,312
Credit loss provision to net charge-offs248.8152%1,114
Earnings coverage of net charge-offs (x)8.4217%2,446
Efficiency ratio56.4781%5,996
Assets per employee ($millions)5.2648%1,865
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.5382%451
Loan loss allowance to noncurrent loans115.7727%2,860
Noncurrent assets plus other real estate owned to assets2.5371%2,082
Noncurrent loans to loans3.0562%1,821
Net loans and leases to total assets40.3173%6,254
Net loans and leases to deposits48.3447%6,240
Net loans and leases to core deposits50.5800%6,251
Total domestic deposits to total assets83.3956%4,483
Equity capital to assets16.1431%579
Core capital (leverage) ratio15.1196%590
Tier 1 risk-based capital ratio27.2393%724
Total risk-based capital ratio28.5072%703
Memoranda:
Average total assets$144,657,5003,908
Average earning assets$136,056,5003,828
Average equity$23,104,7502,866
Average total loans$62,665,0004,653
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3609%4,342
Cost of funding earning assets0.8192%3,040
Net interest margin3.5417%4,499
Noninterest income to average assets0.3228%5,243
Noninterest expense to average assets2.1442%6,143
Loan and lease loss provision to assets0.5218%1,200
Net operating income to assets0.6999%3,871
Return on assets (ROA)0.6999%4,138
Pretax return on assets0.9837%3,776
Return on Equity (ROE)4.3980%5,093
Retained earnings to average equity (ytd only)4.3980%3,685
Net charge-offs to loans0.3523%2,607
Credit loss provision to net charge-offs337.8378%865
Earnings coverage of net charge-offs (x)9.7477%2,134
Efficiency ratio58.7495%5,765
Assets per employee ($millions)4.9932%2,187
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.4306%525
Loan loss allowance to noncurrent loans109.9639%2,943
Noncurrent assets plus other real estate owned to assets2.9288%1,890
Noncurrent loans to loans3.1197%1,878
Net loans and leases to total assets41.4076%6,241
Net loans and leases to deposits49.5398%6,206
Net loans and leases to core deposits52.8921%6,169
Total domestic deposits to total assets83.5845%4,495
Equity capital to assets16.0661%567
Core capital (leverage) ratio15.1949%564
Tier 1 risk-based capital ratio26.6495%756
Total risk-based capital ratio27.9158%744
Memoranda:
Average total assets$143,739,0003,938
Average earning assets$135,018,0003,864
Average equity$22,874,0002,868
Average total loans$63,015,6704,673
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4193%4,244
Cost of funding earning assets0.8523%3,046
Net interest margin3.5671%4,409
Noninterest income to average assets0.8575%1,917
Noninterest expense to average assets2.2261%5,974
Loan and lease loss provision to assets0.8379%561
Net operating income to assets0.8491%3,166
Return on assets (ROA)0.8491%3,404
Pretax return on assets1.1368%3,176
Return on Equity (ROE)5.3618%4,602
Retained earnings to average equity (ytd only)5.3618%3,334
Net charge-offs to loans0.3214%2,363
Credit loss provision to net charge-offs588.2353%581
Earnings coverage of net charge-offs (x)13.8627%1,506
Efficiency ratio52.9920%6,436
Assets per employee ($millions)5.5261%1,674
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans3.3665%590
Loan loss allowance to noncurrent loans76.6304%3,788
Noncurrent assets plus other real estate owned to assets3.9171%1,417
Noncurrent loans to loans4.3932%1,342
Net loans and leases to total assets42.2542%6,168
Net loans and leases to deposits50.5079%6,097
Net loans and leases to core deposits53.8477%6,069
Total domestic deposits to total assets83.6586%4,652
Equity capital to assets15.9120%590
Core capital (leverage) ratio15.2638%563
Tier 1 risk-based capital ratio26.3591%775
Total risk-based capital ratio27.6255%761
Memoranda:
Average total assets$143,207,5003,987
Average earning assets$134,228,0003,911
Average equity$22,679,0002,885
Average total loans$63,479,0004,679
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6204%4,588
Cost of funding earning assets1.0026%3,361
Net interest margin3.6179%4,661
Noninterest income to average assets0.7236%2,479
Noninterest expense to average assets2.9099%3,922
Loan and lease loss provision to assets0.9902%959
Net operating income to assets0.0859%5,895
Return on assets (ROA)0.1719%5,812
Pretax return on assets0.3296%5,475
Return on Equity (ROE)1.0855%5,946
Retained earnings to average equity (ytd only)1.0855%5,348
Net charge-offs to loans1.4688%1,096
Credit loss provision to net charge-offs144.7777%1,990
Earnings coverage of net charge-offs (x)1.7332%4,474
Efficiency ratio71.0535%3,773
Assets per employee ($millions)5.4899%1,646
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.9096%883
Loan loss allowance to noncurrent loans88.7304%3,375
Noncurrent assets plus other real estate owned to assets3.6255%1,619
Noncurrent loans to loans3.2791%1,973
Net loans and leases to total assets43.6236%6,245
Net loans and leases to deposits52.0005%6,216
Net loans and leases to core deposits55.4485%6,196
Total domestic deposits to total assets83.8907%4,363
Equity capital to assets15.7605%621
Core capital (leverage) ratio15.0502%597
Tier 1 risk-based capital ratio25.8572%792
Total risk-based capital ratio27.1196%778
Memoranda:
Average total assets$141,379,4003,950
Average earning assets$131,762,2003,898
Average equity$22,386,0002,849
Average total loans$65,835,8004,637
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7068%4,429
Cost of funding earning assets1.0336%3,440
Net interest margin3.6733%4,455
Noninterest income to average assets0.6873%2,683
Noninterest expense to average assets2.3473%5,909
Loan and lease loss provision to assets1.1108%736
Net operating income to assets0.4528%4,760
Return on assets (ROA)0.5322%4,586
Pretax return on assets0.7629%4,266
Return on Equity (ROE)3.3573%5,290
Retained earnings to average equity (ytd only)3.3573%4,337
Net charge-offs to loans1.2737%1,219
Credit loss provision to net charge-offs185.6240%1,581
Earnings coverage of net charge-offs (x)2.9415%3,673
Efficiency ratio57.1461%6,122
Assets per employee ($millions)5.0726%2,102
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.0338%842
Loan loss allowance to noncurrent loans59.3628%4,491
Noncurrent assets plus other real estate owned to assets4.7954%1,219
Noncurrent loans to loans5.1106%1,201
Net loans and leases to total assets44.4439%6,290
Net loans and leases to deposits53.3867%6,261
Net loans and leases to core deposits56.3838%6,286
Total domestic deposits to total assets83.2490%4,587
Equity capital to assets16.1885%599
Core capital (leverage) ratio15.2266%623
Tier 1 risk-based capital ratio25.8173%852
Total risk-based capital ratio27.0805%827
Memoranda:
Average total assets$141,040,0003,973
Average earning assets$131,323,5003,929
Average equity$22,358,5002,848
Average total loans$66,261,5004,665
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6850%4,603
Cost of funding earning assets1.0605%3,538
Net interest margin3.6245%4,631
Noninterest income to average assets0.6240%2,983
Noninterest expense to average assets2.3765%5,914
Loan and lease loss provision to assets1.0305%833
Net operating income to assets0.4131%4,883
Return on assets (ROA)0.4747%4,758
Pretax return on assets0.6766%4,475
Return on Equity (ROE)3.0162%5,384
Retained earnings to average equity (ytd only)3.0162%4,357
Net charge-offs to loans1.3024%1,177
Credit loss provision to net charge-offs167.0507%1,812
Earnings coverage of net charge-offs (x)2.6244%3,517
Efficiency ratio59.4806%5,944
Assets per employee ($millions)4.8188%2,382
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.5892%1,325
Loan loss allowance to noncurrent loans34.2539%6,028
Noncurrent assets plus other real estate owned to assets6.0539%926
Noncurrent loans to loans7.5590%630
Net loans and leases to total assets46.4124%6,223
Net loans and leases to deposits55.6004%6,169
Net loans and leases to core deposits59.1893%6,170
Total domestic deposits to total assets83.4749%4,556
Equity capital to assets16.1852%589
Core capital (leverage) ratio15.3152%617
Tier 1 risk-based capital ratio25.3527%872
Total risk-based capital ratio26.6123%855
Memoranda:
Average total assets$140,709,0004,013
Average earning assets$130,885,3303,963
Average equity$22,147,0002,859
Average total loans$66,648,6704,697
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6039%4,928
Cost of funding earning assets1.0946%3,561
Net interest margin3.5094%4,966
Noninterest income to average assets0.5978%3,182
Noninterest expense to average assets2.3316%6,103
Loan and lease loss provision to assets0.7791%1,095
Net operating income to assets0.6261%3,889
Return on assets (ROA)0.6261%3,953
Pretax return on assets0.7479%4,104
Return on Equity (ROE)4.0344%4,882
Retained earnings to average equity (ytd only)4.0344%3,747
Net charge-offs to loans0.4679%2,299
Credit loss provision to net charge-offs352.5641%931
Earnings coverage of net charge-offs (x)6.9103%2,031
Efficiency ratio60.4258%5,918
Assets per employee ($millions)4.8147%2,407
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.4636%1,512
Loan loss allowance to noncurrent loans31.3462%6,213
Noncurrent assets plus other real estate owned to assets6.3714%882
Noncurrent loans to loans7.8594%645
Net loans and leases to total assets46.2188%6,267
Net loans and leases to deposits55.1456%6,203
Net loans and leases to core deposits58.8579%6,188
Total domestic deposits to total assets83.8124%4,562
Equity capital to assets15.8181%604
Core capital (leverage) ratio15.2288%619
Tier 1 risk-based capital ratio25.0167%874
Total risk-based capital ratio26.2745%857
Memoranda:
Average total assets$141,191,0004,043
Average earning assets$131,192,0003,994
Average equity$21,911,5002,877
Average total loans$66,681,5004,746
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8670%5,163
Cost of funding earning assets1.2937%3,922
Net interest margin3.5734%4,950
Noninterest income to average assets0.6929%2,883
Noninterest expense to average assets2.5258%5,698
Loan and lease loss provision to assets1.3808%1,088
Net operating income to assets0.1157%5,547
Return on assets (ROA)0.1824%5,499
Pretax return on assets0.2197%5,442
Return on Equity (ROE)1.1720%5,655
Retained earnings to average equity (ytd only)0.0407%5,560
Net charge-offs to loans2.2567%859
Credit loss provision to net charge-offs120.7512%3,486
Earnings coverage of net charge-offs (x)1.3294%4,777
Efficiency ratio62.4260%5,653
Assets per employee ($millions)4.9227%2,253
Cash dividends to net income (ytd only)*96.5251%446
Condition Ratios (%)
Loss allowance to loans2.1324%1,998
Loan loss allowance to noncurrent loans33.9815%6,050
Noncurrent assets plus other real estate owned to assets5.6011%1,099
Noncurrent loans to loans6.2753%976
Net loans and leases to total assets46.0692%6,554
Net loans and leases to deposits55.0195%6,518
Net loans and leases to core deposits58.5272%6,518
Total domestic deposits to total assets83.7325%4,489
Equity capital to assets15.2266%737
Core capital (leverage) ratio14.9627%670
Tier 1 risk-based capital ratio24.1438%921
Total risk-based capital ratio25.3989%903
Memoranda:
Average total assets$142,016,2004,020
Average earning assets$133,264,0003,952
Average equity$22,099,0002,863
Average total loans$71,965,0004,607
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8940%5,295
Cost of funding earning assets1.3309%4,033
Net interest margin3.5631%5,049
Noninterest income to average assets0.6759%2,975
Noninterest expense to average assets2.5006%5,713
Loan and lease loss provision to assets1.5915%810
Net operating income to assets-0.0639%6,131
Return on assets (ROA)0.0432%6,031
Pretax return on assets0.0432%6,016
Return on Equity (ROE)0.2764%6,059
Retained earnings to average equity (ytd only)0.2764%5,675
Net charge-offs to loans2.6682%612
Credit loss provision to net charge-offs115.6421%3,607
Earnings coverage of net charge-offs (x)1.1100%4,949
Efficiency ratio62.0770%5,608
Assets per employee ($millions)4.8865%2,343
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.8827%2,537
Loan loss allowance to noncurrent loans19.4253%6,924
Noncurrent assets plus other real estate owned to assets6.6023%856
Noncurrent loans to loans9.6918%454
Net loans and leases to total assets48.7294%6,457
Net loans and leases to deposits58.5471%6,421
Net loans and leases to core deposits62.2063%6,447
Total domestic deposits to total assets83.2311%4,490
Equity capital to assets15.7075%728
Core capital (leverage) ratio14.6856%776
Tier 1 risk-based capital ratio23.9993%946
Total risk-based capital ratio25.2527%921
Memoranda:
Average total assets$141,831,0004,082
Average earning assets$133,439,2503,998
Average equity$22,189,5002,901
Average total loans$73,156,2504,634
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0357%4,766
Cost of funding earning assets1.3738%4,035
Net interest margin3.6619%4,534
Noninterest income to average assets0.6555%2,979
Noninterest expense to average assets2.3669%6,161
Loan and lease loss provision to assets0.9516%1,541
Net operating income to assets0.6148%3,813
Return on assets (ROA)0.7401%3,384
Pretax return on assets0.9473%3,321
Return on Equity (ROE)4.7369%4,420
Retained earnings to average equity (ytd only)4.7369%3,058
Net charge-offs to loans0.2673%4,005
Credit loss provision to net charge-offs681.8182%547
Earnings coverage of net charge-offs (x)12.4545%1,677
Efficiency ratio57.6580%6,431
Assets per employee ($millions)4.7080%2,571
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.2184%1,726
Loan loss allowance to noncurrent loans17.5932%7,049
Noncurrent assets plus other real estate owned to assets7.9156%626
Noncurrent loans to loans12.6095%248
Net loans and leases to total assets52.1474%6,197
Net loans and leases to deposits62.8793%6,146
Net loans and leases to core deposits66.7032%6,189
Total domestic deposits to total assets82.9326%4,601
Equity capital to assets15.9749%673
Core capital (leverage) ratio15.3390%662
Tier 1 risk-based capital ratio23.7217%971
Total risk-based capital ratio24.9792%952
Memoranda:
Average total assets$141,871,6704,098
Average earning assets$133,646,6704,028
Average equity$22,166,3302,906
Average total loans$74,082,0004,639
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0932%4,564
Cost of funding earning assets1.4326%3,971
Net interest margin3.6607%4,434
Noninterest income to average assets0.6048%3,251
Noninterest expense to average assets2.3378%6,289
Loan and lease loss provision to assets0.9846%1,265
Net operating income to assets0.5713%4,028
Return on assets (ROA)0.8215%2,968
Pretax return on assets1.0465%2,914
Return on Equity (ROE)5.3168%4,201
Retained earnings to average equity (ytd only)5.3168%2,977
Net charge-offs to loans0.4138%2,805
Credit loss provision to net charge-offs460.5263%916
Earnings coverage of net charge-offs (x)8.0000%2,001
Efficiency ratio57.7484%6,520
Assets per employee ($millions)4.7153%2,625
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.8527%2,569
Loan loss allowance to noncurrent loans25.0365%6,739
Noncurrent assets plus other real estate owned to assets5.2891%1,187
Noncurrent loans to loans7.4000%779
Net loans and leases to total assets51.3050%6,341
Net loans and leases to deposits61.6001%6,316
Net loans and leases to core deposits65.3661%6,335
Total domestic deposits to total assets83.2871%4,481
Equity capital to assets15.6383%735
Core capital (leverage) ratio15.2844%692
Tier 1 risk-based capital ratio23.4550%1,017
Total risk-based capital ratio24.7085%992
Memoranda:
Average total assets$142,187,5004,157
Average earning assets$133,746,0004,079
Average equity$21,968,0002,951
Average total loans$73,461,0004,736
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2473%5,431
Cost of funding earning assets1.8233%3,866
Net interest margin3.4240%5,272
Noninterest income to average assets0.7437%2,714
Noninterest expense to average assets2.4122%6,431
Loan and lease loss provision to assets0.7012%3,016
Net operating income to assets0.7693%2,639
Return on assets (ROA)0.8113%2,574
Pretax return on assets0.9306%2,825
Return on Equity (ROE)5.2489%3,561
Retained earnings to average equity (ytd only)4.0856%2,358
Net charge-offs to loans1.4077%1,784
Credit loss provision to net charge-offs92.0680%5,937
Earnings coverage of net charge-offs (x)2.0793%4,175
Efficiency ratio60.3672%6,424
Assets per employee ($millions)4.9281%2,310
Cash dividends to net income (ytd only)*22.1631%3,605
Condition Ratios (%)
Loss allowance to loans1.5019%3,714
Loan loss allowance to noncurrent loans20.7497%7,029
Noncurrent assets plus other real estate owned to assets5.0757%1,202
Noncurrent loans to loans7.2380%748
Net loans and leases to total assets50.2956%6,608
Net loans and leases to deposits59.6163%6,663
Net loans and leases to core deposits73.1015%6,592
Total domestic deposits to total assets84.3655%3,854
Equity capital to assets15.2636%850
Core capital (leverage) ratio14.9438%800
Tier 1 risk-based capital ratio22.9759%1,044
Total risk-based capital ratio24.1686%1,026
Memoranda:
Average total assets$139,043,4004,142
Average earning assets$132,067,0004,045
Average equity$21,490,2003,011
Average total loans$75,231,2004,676
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2727%5,556
Cost of funding earning assets1.8786%3,999
Net interest margin3.3941%5,296
Noninterest income to average assets0.7435%2,743
Noninterest expense to average assets2.4266%6,329
Loan and lease loss provision to assets0.6518%2,799
Net operating income to assets0.7510%3,020
Return on assets (ROA)0.8053%2,854
Pretax return on assets0.9608%3,023
Return on Equity (ROE)5.1939%3,879
Retained earnings to average equity (ytd only)5.1939%2,377
Net charge-offs to loans0.2515%4,475
Credit loss provision to net charge-offs472.0280%832
Earnings coverage of net charge-offs (x)11.2099%1,875
Efficiency ratio61.0544%6,261
Assets per employee ($millions)4.8781%2,295
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.2756%1,323
Loan loss allowance to noncurrent loans30.0193%6,458
Noncurrent assets plus other real estate owned to assets4.7906%1,241
Noncurrent loans to loans7.5803%673
Net loans and leases to total assets51.9715%6,597
Net loans and leases to deposits61.9002%6,682
Net loans and leases to core deposits76.2155%6,595
Total domestic deposits to total assets83.9601%3,743
Equity capital to assets15.5154%885
Core capital (leverage) ratio15.3960%789
Tier 1 risk-based capital ratio22.9816%1,112
Total risk-based capital ratio24.2394%1,078
Memoranda:
Average total assets$138,075,5004,184
Average earning assets$131,441,2504,079
Average equity$21,409,2503,038
Average total loans$75,795,0004,705
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3381%5,459
Cost of funding earning assets1.9442%4,038
Net interest margin3.3939%5,194
Noninterest income to average assets0.7069%2,952
Noninterest expense to average assets2.3805%6,523
Loan and lease loss provision to assets0.6937%2,348
Net operating income to assets0.7274%3,144
Return on assets (ROA)0.8105%2,911
Pretax return on assets0.9580%3,151
Return on Equity (ROE)5.2286%3,982
Retained earnings to average equity (ytd only)5.2286%2,381
Net charge-offs to loans0.2843%3,770
Credit loss provision to net charge-offs439.8148%1,055
Earnings coverage of net charge-offs (x)9.8519%2,066
Efficiency ratio60.5048%6,468
Assets per employee ($millions)4.4727%2,809
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.0190%1,531
Loan loss allowance to noncurrent loans32.0091%6,330
Noncurrent assets plus other real estate owned to assets4.5893%1,208
Noncurrent loans to loans6.3076%857
Net loans and leases to total assets55.9505%6,212
Net loans and leases to deposits67.0199%6,290
Net loans and leases to core deposits82.4384%6,205
Total domestic deposits to total assets83.4835%4,021
Equity capital to assets15.8361%854
Core capital (leverage) ratio15.3726%843
Tier 1 risk-based capital ratio22.6987%1,170
Total risk-based capital ratio23.9543%1,137
Memoranda:
Average total assets$136,945,3304,237
Average earning assets$130,233,6704,129
Average equity$21,229,3303,069
Average total loans$75,982,0004,735
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2545%6,097
Cost of funding earning assets1.9750%4,261
Net interest margin3.2795%5,576
Noninterest income to average assets0.6333%3,325
Noninterest expense to average assets2.2642%6,647
Loan and lease loss provision to assets0.6506%1,941
Net operating income to assets0.7576%3,313
Return on assets (ROA)0.7576%3,489
Pretax return on assets0.8444%3,910
Return on Equity (ROE)4.9389%4,499
Retained earnings to average equity (ytd only)4.9389%3,166
Net charge-offs to loans0.4547%2,317
Credit loss provision to net charge-offs261.6279%1,808
Earnings coverage of net charge-offs (x)6.0116%2,564
Efficiency ratio60.2308%6,370
Assets per employee ($millions)4.5819%2,589
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.7556%1,966
Loan loss allowance to noncurrent loans28.2804%6,665
Noncurrent assets plus other real estate owned to assets4.3570%1,120
Noncurrent loans to loans6.2079%745
Net loans and leases to total assets53.6979%6,502
Net loans and leases to deposits63.9943%6,562
Net loans and leases to core deposits78.4322%6,504
Total domestic deposits to total assets83.9105%3,749
Equity capital to assets15.5766%954
Core capital (leverage) ratio14.9642%981
Tier 1 risk-based capital ratio22.5233%1,245
Total risk-based capital ratio23.7761%1,215
Memoranda:
Average total assets$138,327,5004,225
Average earning assets$131,848,0004,110
Average equity$21,219,5003,087
Average total loans$75,662,0004,774
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8889%6,093
Cost of funding earning assets2.4873%4,273
Net interest margin3.4016%5,657
Noninterest income to average assets0.8275%2,367
Noninterest expense to average assets2.3862%6,443
Loan and lease loss provision to assets0.6238%2,336
Net operating income to assets0.7250%3,783
Return on assets (ROA)0.8147%3,208
Pretax return on assets1.1424%2,865
Return on Equity (ROE)5.3789%4,204
Retained earnings to average equity (ytd only)4.1384%2,552
Net charge-offs to loans0.5986%2,036
Credit loss provision to net charge-offs182.0175%2,746
Earnings coverage of net charge-offs (x)4.7851%3,857
Efficiency ratio59.2682%6,481
Assets per employee ($millions)4.6400%2,418
Cash dividends to net income (ytd only)*23.0627%4,350
Condition Ratios (%)
Loss allowance to loans1.5487%2,459
Loan loss allowance to noncurrent loans28.8227%6,775
Noncurrent assets plus other real estate owned to assets3.7838%1,133
Noncurrent loans to loans5.3731%778
Net loans and leases to total assets53.8898%6,671
Net loans and leases to deposits63.8569%6,810
Net loans and leases to core deposits76.8161%6,809
Total domestic deposits to total assets84.3914%3,132
Equity capital to assets15.1064%1,135
Core capital (leverage) ratio14.7904%1,077
Tier 1 risk-based capital ratio23.0872%1,181
Total risk-based capital ratio24.3388%1,157
Memoranda:
Average total assets$133,058,8004,218
Average earning assets$125,117,8004,153
Average equity$20,152,8003,208
Average total loans$76,183,6004,646