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Ford County State Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0845%2,959
Cost of funding earning assets2.0323%1,849
Net interest margin3.0521%3,296
Noninterest income to average assets0.1500%3,849
Noninterest expense to average assets2.0142%3,528
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets0.8314%2,758
Return on assets (ROA)0.8314%2,761
Pretax return on assets0.9463%2,859
Return on Equity (ROE)11.5900%1,857
Retained earnings to average equity (ytd only)5.9364%2,292
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio68.0365%2,038
Assets per employee ($millions)8.4560%1,324
Cash dividends to net income (ytd only)*48.7805%1,265
Condition Ratios (%)
Loss allowance to loans1.0931%2,751
Loan loss allowance to noncurrent loans0.0000%3,773
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets47.5400%3,694
Net loans and leases to deposits56.9636%3,609
Net loans and leases to core deposits64.6362%3,515
Total domestic deposits to total assets83.4600%3,042
Equity capital to assets7.5162%3,843
Core capital (leverage) ratio10.4342%2,462
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.2315%1,018
Memoranda:
Average total assets$59,178,5004,132
Average earning assets$54,519,0004,118
Average equity$4,245,0004,287
Average total loans$28,560,5004,111
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6825%3,626
Cost of funding earning assets2.0736%2,039
Net interest margin2.6088%3,765
Noninterest income to average assets0.1200%4,121
Noninterest expense to average assets2.1984%3,145
Loan and lease loss provision to assets0.0000%3,171
Net operating income to assets0.2487%3,918
Return on assets (ROA)0.2487%3,945
Pretax return on assets0.3027%3,926
Return on Equity (ROE)3.5500%3,774
Retained earnings to average equity (ytd only)3.5481%2,810
Net charge-offs to loans-0.0282%4,236
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio87.8963%594
Assets per employee ($millions)8.4521%1,286
Cash dividends to net income (ytd only)*0.0000%3,369
Condition Ratios (%)
Loss allowance to loans1.0848%2,767
Loan loss allowance to noncurrent loans0.0000%3,770
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets47.9300%3,727
Net loans and leases to deposits59.6743%3,547
Net loans and leases to core deposits67.6907%3,455
Total domestic deposits to total assets80.3200%3,519
Equity capital to assets6.8301%4,023
Core capital (leverage) ratio10.4201%2,420
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.8547%1,083
Memoranda:
Average total assets$55,494,2004,180
Average earning assets$50,635,8004,167
Average equity$3,889,4004,312
Average total loans$24,850,0004,158
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5627%3,755
Cost of funding earning assets2.0511%2,085
Net interest margin2.5116%3,878
Noninterest income to average assets0.1200%4,140
Noninterest expense to average assets2.2695%2,892
Loan and lease loss provision to assets0.0000%3,009
Net operating income to assets0.1197%4,095
Return on assets (ROA)0.1197%4,125
Pretax return on assets0.1466%4,108
Return on Equity (ROE)1.7000%4,056
Retained earnings to average equity (ytd only)1.6963%3,536
Net charge-offs to loans-0.0391%4,291
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio93.9333%402
Assets per employee ($millions)8.0644%1,476
Cash dividends to net income (ytd only)*0.0000%3,021
Condition Ratios (%)
Loss allowance to loans1.2008%2,211
Loan loss allowance to noncurrent loans438.0282%1,376
Noncurrent assets plus other real estate owned to assets0.1258%2,867
Noncurrent loans to loans0.2741%2,460
Net loans and leases to total assets45.3300%3,854
Net loans and leases to deposits55.8188%3,752
Net loans and leases to core deposits63.0162%3,683
Total domestic deposits to total assets81.2100%3,261
Equity capital to assets7.8546%3,801
Core capital (leverage) ratio10.5779%2,358
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0721%913
Memoranda:
Average total assets$54,576,5004,213
Average earning assets$49,793,7504,199
Average equity$3,851,5004,341
Average total loans$23,895,0004,193
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4070%3,908
Cost of funding earning assets1.9015%2,359
Net interest margin2.5055%3,874
Noninterest income to average assets0.1300%4,102
Noninterest expense to average assets2.3428%2,674
Loan and lease loss provision to assets0.0000%2,867
Net operating income to assets0.0593%4,170
Return on assets (ROA)0.0593%4,196
Pretax return on assets0.0667%4,187
Return on Equity (ROE)0.8700%4,156
Retained earnings to average equity (ytd only)0.8750%3,633
Net charge-offs to loans-0.1033%4,446
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio97.2308%338
Assets per employee ($millions)7.0508%2,045
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans1.2397%2,039
Loan loss allowance to noncurrent loans0.0000%3,808
Noncurrent assets plus other real estate owned to assets0.0000%3,854
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets44.6300%3,881
Net loans and leases to deposits52.9544%3,854
Net loans and leases to core deposits59.8711%3,768
Total domestic deposits to total assets84.2800%2,530
Equity capital to assets6.5897%4,074
Core capital (leverage) ratio11.1840%1,906
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.9015%936
Memoranda:
Average total assets$53,951,6674,236
Average earning assets$49,012,6674,226
Average equity$3,657,3334,365
Average total loans$23,226,6674,220
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3071%3,953
Cost of funding earning assets1.8399%2,395
Net interest margin2.4672%3,913
Noninterest income to average assets0.1500%3,964
Noninterest expense to average assets2.6022%1,962
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets-0.1517%4,362
Return on assets (ROA)-0.1517%4,352
Pretax return on assets-0.2124%4,351
Return on Equity (ROE)-2.2100%4,353
Retained earnings to average equity (ytd only)-2.2054%3,945
Net charge-offs to loans-0.2172%4,529
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio108.8889%194
Assets per employee ($millions)6.5609%2,408
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.4228%1,306
Loan loss allowance to noncurrent loans0.0000%3,825
Noncurrent assets plus other real estate owned to assets0.0000%3,894
Noncurrent loans to loans0.0000%3,844
Net loans and leases to total assets41.7100%3,968
Net loans and leases to deposits45.0559%4,063
Net loans and leases to core deposits49.8997%4,079
Total domestic deposits to total assets92.5800%231
Equity capital to assets6.7483%3,997
Core capital (leverage) ratio11.4998%1,651
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.8752%706
Memoranda:
Average total assets$52,724,5004,277
Average earning assets$47,828,0004,263
Average equity$3,627,5004,390
Average total loans$22,095,0004,261
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8788%4,103
Cost of funding earning assets1.2482%2,659
Net interest margin2.6306%3,931
Noninterest income to average assets0.1200%4,210
Noninterest expense to average assets2.2553%2,969
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.2128%4,155
Return on assets (ROA)0.2128%4,164
Pretax return on assets0.2514%4,141
Return on Equity (ROE)3.2400%3,986
Retained earnings to average equity (ytd only)-0.2949%4,122
Net charge-offs to loans-0.0099%3,992
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio89.9691%411
Assets per employee ($millions)7.5660%1,685
Cash dividends to net income (ytd only)*109.0909%206
Condition Ratios (%)
Loss allowance to loans1.3831%1,447
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets40.9300%4,005
Net loans and leases to deposits45.7136%4,059
Net loans and leases to core deposits50.8731%4,066
Total domestic deposits to total assets89.5300%898
Equity capital to assets7.0107%3,933
Core capital (leverage) ratio11.3991%1,703
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.8531%702
Memoranda:
Average total assets$51,701,4004,306
Average earning assets$46,947,4004,282
Average equity$3,390,6004,398
Average total loans$20,173,8004,288
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7436%4,162
Cost of funding earning assets1.1245%2,672
Net interest margin2.6191%4,004
Noninterest income to average assets0.1200%4,221
Noninterest expense to average assets2.2807%2,851
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.1790%4,254
Return on assets (ROA)0.1790%4,269
Pretax return on assets0.2231%4,229
Return on Equity (ROE)2.7800%4,123
Retained earnings to average equity (ytd only)-2.0543%4,322
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio91.0881%345
Assets per employee ($millions)7.2064%1,818
Cash dividends to net income (ytd only)*173.9130%43
Condition Ratios (%)
Loss allowance to loans1.3643%1,607
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets43.1400%3,947
Net loans and leases to deposits48.1173%4,001
Net loans and leases to core deposits53.8091%3,942
Total domestic deposits to total assets89.6600%1,028
Equity capital to assets5.7964%4,054
Core capital (leverage) ratio11.5994%1,624
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.8316%719
Memoranda:
Average total assets$51,386,2504,324
Average earning assets$46,834,0004,302
Average equity$3,310,0004,421
Average total loans$19,722,2504,313
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6238%4,229
Cost of funding earning assets0.9632%2,726
Net interest margin2.6606%4,023
Noninterest income to average assets0.1200%4,227
Noninterest expense to average assets2.3443%2,668
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.1663%4,318
Return on assets (ROA)0.1663%4,343
Pretax return on assets0.2050%4,311
Return on Equity (ROE)2.5000%4,219
Retained earnings to average equity (ytd only)-4.4785%4,405
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio91.9575%299
Assets per employee ($millions)7.1510%1,816
Cash dividends to net income (ytd only)*279.0698%21
Condition Ratios (%)
Loss allowance to loans1.4799%1,240
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets40.1600%4,032
Net loans and leases to deposits43.9502%4,098
Net loans and leases to core deposits49.1253%4,043
Total domestic deposits to total assets91.3900%529
Equity capital to assets6.5825%3,962
Core capital (leverage) ratio11.6049%1,565
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$51,700,0004,341
Average earning assets$47,132,6674,322
Average equity$3,438,6674,444
Average total loans$18,942,0004,345
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5287%4,233
Cost of funding earning assets0.8509%2,532
Net interest margin2.6778%4,098
Noninterest income to average assets0.1400%4,146
Noninterest expense to average assets2.3762%2,598
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.1752%4,382
Return on assets (ROA)0.1752%4,355
Pretax return on assets0.2132%4,324
Return on Equity (ROE)2.6200%4,228
Retained earnings to average equity (ytd only)-11.0526%4,494
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio91.7647%315
Assets per employee ($millions)6.6206%2,249
Cash dividends to net income (ytd only)*521.7391%15
Condition Ratios (%)
Loss allowance to loans1.6868%839
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets33.2300%4,291
Net loans and leases to deposits35.9224%4,330
Net loans and leases to core deposits39.8578%4,273
Total domestic deposits to total assets92.5100%395
Equity capital to assets6.8819%3,882
Core capital (leverage) ratio11.0761%1,792
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$52,521,5004,390
Average earning assets$47,949,5004,373
Average equity$3,510,5004,497
Average total loans$18,209,5004,416
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8247%4,304
Cost of funding earning assets0.2956%2,915
Net interest margin2.5291%4,255
Noninterest income to average assets0.1100%4,393
Noninterest expense to average assets2.1912%3,054
Loan and lease loss provision to assets-0.3300%4,673
Net operating income to assets0.4424%4,190
Return on assets (ROA)0.4424%4,147
Pretax return on assets0.5666%4,084
Return on Equity (ROE)5.8000%3,866
Retained earnings to average equity (ytd only)1.3583%4,129
Net charge-offs to loans-0.5121%4,701
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio90.2326%294
Assets per employee ($millions)6.5098%2,328
Cash dividends to net income (ytd only)*76.5957%508
Condition Ratios (%)
Loss allowance to loans1.6311%917
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets34.9700%4,261
Net loans and leases to deposits37.5960%4,305
Net loans and leases to core deposits41.7816%4,235
Total domestic deposits to total assets93.0200%402
Equity capital to assets6.4826%3,902
Core capital (leverage) ratio11.5532%1,489
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$53,121,6004,407
Average earning assets$48,713,6004,389
Average equity$4,049,2004,527
Average total loans$16,597,8004,460
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6577%4,333
Cost of funding earning assets0.2337%2,886
Net interest margin2.4240%4,293
Noninterest income to average assets0.1100%4,421
Noninterest expense to average assets2.1005%3,208
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.1823%4,485
Return on assets (ROA)0.1823%4,456
Pretax return on assets0.2398%4,428
Return on Equity (ROE)2.3100%4,373
Retained earnings to average equity (ytd only)-3.3826%4,549
Net charge-offs to loans-0.7031%4,747
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio89.7545%326
Assets per employee ($millions)6.4333%2,380
Cash dividends to net income (ytd only)*246.5753%34
Condition Ratios (%)
Loss allowance to loans2.7893%162
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets32.3000%4,360
Net loans and leases to deposits34.5613%4,405
Net loans and leases to core deposits37.3523%4,360
Total domestic deposits to total assets93.4600%459
Equity capital to assets5.9670%3,978
Core capital (leverage) ratio11.0295%1,712
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$53,382,5004,436
Average earning assets$49,063,2504,413
Average equity$4,217,5004,556
Average total loans$16,118,5004,503
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4174%4,449
Cost of funding earning assets0.2045%2,857
Net interest margin2.2130%4,409
Noninterest income to average assets0.1148%4,420
Noninterest expense to average assets2.0881%3,187
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.0555%4,550
Return on assets (ROA)0.0555%4,518
Pretax return on assets0.0703%4,504
Return on Equity (ROE)0.6522%4,500
Retained earnings to average equity (ytd only)-7.1744%4,598
Net charge-offs to loans-0.1647%4,552
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.7410%238
Assets per employee ($millions)7.7644%1,440
Cash dividends to net income (ytd only)*1,200.0000%9
Condition Ratios (%)
Loss allowance to loans2.5504%241
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets28.4723%4,507
Net loans and leases to deposits30.6539%4,534
Net loans and leases to core deposits33.0007%4,509
Total domestic deposits to total assets92.8833%545
Equity capital to assets6.6218%3,963
Core capital (leverage) ratio10.7581%1,755
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$54,021,3334,472
Average earning assets$49,887,6674,462
Average equity$4,599,6674,560
Average total loans$15,791,0004,567
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2680%4,478
Cost of funding earning assets0.1923%2,905
Net interest margin2.0757%4,465
Noninterest income to average assets0.1337%4,346
Noninterest expense to average assets2.1242%3,068
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets-0.0520%4,572
Return on assets (ROA)-0.0520%4,554
Pretax return on assets-0.0668%4,554
Return on Equity (ROE)-0.5490%4,561
Retained earnings to average equity (ytd only)-14.6667%4,639
Net charge-offs to loans-0.1524%4,551
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio103.2491%200
Assets per employee ($millions)6.8710%2,087
Cash dividends to net income (ytd only)*-2,571.4286%4,791
Condition Ratios (%)
Loss allowance to loans2.6661%238
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets26.4336%4,547
Net loans and leases to deposits28.9546%4,576
Net loans and leases to core deposits31.1983%4,553
Total domestic deposits to total assets91.2931%891
Equity capital to assets8.2339%3,377
Core capital (leverage) ratio9.3465%2,959
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.8412%338
Memoranda:
Average total assets$53,856,5004,497
Average earning assets$49,911,5004,485
Average equity$5,100,0004,557
Average total loans$15,746,5004,584
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5158%4,467
Cost of funding earning assets0.2329%3,105
Net interest margin2.2829%4,430
Noninterest income to average assets0.1109%4,560
Noninterest expense to average assets2.3035%2,784
Loan and lease loss provision to assets-0.8068%4,827
Net operating income to assets0.5345%4,010
Return on assets (ROA)0.5345%4,061
Pretax return on assets0.7100%3,910
Return on Equity (ROE)4.7817%4,045
Retained earnings to average equity (ytd only)4.7817%2,876
Net charge-offs to loans1.2539%49
Credit loss provision to net charge-offs-188.6792%3,496
Earnings coverage of net charge-offs (x)-0.2264%2,652
Efficiency ratio104.3876%118
Assets per employee ($millions)6.5931%2,245
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans2.3725%341
Loan loss allowance to noncurrent loans1,403.5714%687
Noncurrent assets plus other real estate owned to assets0.0531%3,616
Noncurrent loans to loans0.1690%3,103
Net loans and leases to total assets30.6607%4,490
Net loans and leases to deposits34.5970%4,511
Net loans and leases to core deposits36.2317%4,513
Total domestic deposits to total assets88.6226%1,718
Equity capital to assets10.7574%1,967
Core capital (leverage) ratio11.5245%1,283
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.8394%452
Memoranda:
Average total assets$49,576,8004,567
Average earning assets$45,511,6004,556
Average equity$5,542,0004,578
Average total loans$16,907,4004,616
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5289%4,553
Cost of funding earning assets0.2448%3,165
Net interest margin2.2841%4,500
Noninterest income to average assets0.1148%4,600
Noninterest expense to average assets2.2657%2,847
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets-0.0437%4,756
Return on assets (ROA)-0.0437%4,766
Pretax return on assets-0.0601%4,769
Return on Equity (ROE)-0.3872%4,768
Retained earnings to average equity (ytd only)-0.3872%4,602
Net charge-offs to loans1.7026%34
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)-0.1014%2,411
Efficiency ratio102.7261%136
Assets per employee ($millions)6.0754%2,617
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans4.5806%46
Loan loss allowance to noncurrent loans2,538.7097%394
Noncurrent assets plus other real estate owned to assets0.0638%3,686
Noncurrent loans to loans0.1804%3,227
Net loans and leases to total assets33.7304%4,480
Net loans and leases to deposits38.3809%4,508
Net loans and leases to core deposits40.3723%4,502
Total domestic deposits to total assets87.8835%1,913
Equity capital to assets11.4293%1,722
Core capital (leverage) ratio12.3463%1,029
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.6019%449
Memoranda:
Average total assets$48,784,7504,641
Average earning assets$44,656,2504,631
Average equity$5,509,0004,649
Average total loans$16,993,0004,684
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4883%4,623
Cost of funding earning assets0.2551%3,242
Net interest margin2.2332%4,573
Noninterest income to average assets0.1187%4,605
Noninterest expense to average assets2.2970%2,780
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets-0.0983%4,802
Return on assets (ROA)-0.0983%4,808
Pretax return on assets-0.1351%4,818
Return on Equity (ROE)-0.8737%4,818
Retained earnings to average equity (ytd only)-0.8737%4,597
Net charge-offs to loans2.7761%19
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)-0.1404%2,201
Efficiency ratio106.2500%116
Assets per employee ($millions)6.2180%2,414
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans4.6974%44
Loan loss allowance to noncurrent loans2,406.2500%366
Noncurrent assets plus other real estate owned to assets0.0643%3,794
Noncurrent loans to loans0.1952%3,251
Net loans and leases to total assets31.4048%4,608
Net loans and leases to deposits35.5401%4,641
Net loans and leases to core deposits37.3294%4,640
Total domestic deposits to total assets88.3644%1,639
Equity capital to assets10.9702%2,002
Core capital (leverage) ratio11.0939%1,549
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.8355%434
Memoranda:
Average total assets$48,845,3334,664
Average earning assets$44,688,6674,654
Average equity$5,493,6674,677
Average total loans$16,930,3334,718
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3890%4,718
Cost of funding earning assets0.2694%3,280
Net interest margin2.1196%4,666
Noninterest income to average assets0.1405%4,506
Noninterest expense to average assets2.4547%2,316
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets-0.2645%4,858
Return on assets (ROA)-0.2645%4,862
Pretax return on assets-0.3637%4,871
Return on Equity (ROE)-2.3222%4,865
Retained earnings to average equity (ytd only)-2.3222%4,560
Net charge-offs to loans5.7211%6
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)-0.1789%1,894
Efficiency ratio117.3913%82
Assets per employee ($millions)6.2761%2,345
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans4.5903%53
Loan loss allowance to noncurrent loans2,229.4118%335
Noncurrent assets plus other real estate owned to assets0.0677%3,890
Noncurrent loans to loans0.2059%3,370
Net loans and leases to total assets31.3788%4,650
Net loans and leases to deposits35.4196%4,693
Net loans and leases to core deposits37.2151%4,684
Total domestic deposits to total assets88.5917%1,563
Equity capital to assets10.7590%2,031
Core capital (leverage) ratio11.7210%1,292
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.5503%339
Memoranda:
Average total assets$48,396,0004,687
Average earning assets$44,537,0004,674
Average equity$5,512,0004,693
Average total loans$17,199,5004,741
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6470%3,705
Cost of funding earning assets0.3990%3,585
Net interest margin3.2480%3,219
Noninterest income to average assets0.1212%4,666
Noninterest expense to average assets2.5631%2,663
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets0.3910%4,268
Return on assets (ROA)0.3910%4,350
Pretax return on assets0.4802%4,302
Return on Equity (ROE)3.1083%4,350
Retained earnings to average equity (ytd only)3.1083%3,289
Net charge-offs to loans0.7662%190
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)1.2883%3,270
Efficiency ratio84.2224%611
Assets per employee ($millions)6.6547%1,812
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans5.6133%31
Loan loss allowance to noncurrent loans186.6171%2,454
Noncurrent assets plus other real estate owned to assets1.1549%771
Noncurrent loans to loans3.0079%283
Net loans and leases to total assets36.2407%4,583
Net loans and leases to deposits41.5465%4,610
Net loans and leases to core deposits43.7607%4,610
Total domestic deposits to total assets87.2292%1,828
Equity capital to assets12.0688%1,531
Core capital (leverage) ratio13.2539%837
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.2539%340
Memoranda:
Average total assets$43,735,8004,723
Average earning assets$39,347,6004,726
Average equity$5,501,4004,697
Average total loans$21,273,0004,686
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9211%3,185
Cost of funding earning assets0.4222%3,689
Net interest margin3.4988%2,589
Noninterest income to average assets0.1271%4,655
Noninterest expense to average assets2.5814%2,590
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets0.5237%3,972
Return on assets (ROA)0.5237%4,069
Pretax return on assets0.6787%3,946
Return on Equity (ROE)4.1184%4,131
Retained earnings to average equity (ytd only)4.1184%2,986
Net charge-offs to loans0.8077%167
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)1.6343%3,057
Efficiency ratio79.1825%924
Assets per employee ($millions)6.2963%2,004
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans5.3086%39
Loan loss allowance to noncurrent loans228.5398%1,989
Noncurrent assets plus other real estate owned to assets1.0255%1,069
Noncurrent loans to loans2.3228%474
Net loans and leases to total assets41.8070%4,508
Net loans and leases to deposits48.3647%4,542
Net loans and leases to core deposits51.1209%4,550
Total domestic deposits to total assets86.4410%1,883
Equity capital to assets12.7581%1,303
Core capital (leverage) ratio12.5138%1,110
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.9811%366
Memoranda:
Average total assets$43,024,0004,754
Average earning assets$38,526,0004,758
Average equity$5,471,2504,722
Average total loans$22,119,7504,710
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1957%2,779
Cost of funding earning assets0.4463%3,810
Net interest margin3.7493%1,996
Noninterest income to average assets0.1359%4,623
Noninterest expense to average assets2.6761%2,454
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.6046%3,722
Return on assets (ROA)0.6046%3,801
Pretax return on assets0.8061%3,565
Return on Equity (ROE)4.7596%3,895
Retained earnings to average equity (ytd only)4.7596%2,582
Net charge-offs to loans1.2344%107
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)1.2113%2,872
Efficiency ratio76.8506%1,174
Assets per employee ($millions)6.3310%1,927
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans4.8240%43
Loan loss allowance to noncurrent loans158.6687%2,510
Noncurrent assets plus other real estate owned to assets1.4577%653
Noncurrent loans to loans3.0403%314
Net loans and leases to total assets45.6326%4,381
Net loans and leases to deposits52.6490%4,421
Net loans and leases to core deposits55.6234%4,443
Total domestic deposits to total assets86.6733%1,742
Equity capital to assets12.5663%1,350
Core capital (leverage) ratio14.2126%709
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.2434%556
Memoranda:
Average total assets$42,674,0004,779
Average earning assets$38,087,0004,785
Average equity$5,420,6674,753
Average total loans$23,006,6674,710
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6059%1,984
Cost of funding earning assets0.5165%3,865
Net interest margin4.0893%1,154
Noninterest income to average assets0.1911%4,409
Noninterest expense to average assets2.9341%2,039
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.4683%3,976
Return on assets (ROA)0.4683%4,032
Pretax return on assets0.8888%3,168
Return on Equity (ROE)3.6659%4,048
Retained earnings to average equity (ytd only)3.6659%2,819
Net charge-offs to loans-0.4521%5,015
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.7500%1,479
Assets per employee ($millions)6.1630%1,550
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans5.2708%36
Loan loss allowance to noncurrent loans164.4628%2,382
Noncurrent assets plus other real estate owned to assets1.6829%585
Noncurrent loans to loans3.2049%312
Net loans and leases to total assets49.7415%4,254
Net loans and leases to deposits57.3939%4,306
Net loans and leases to core deposits61.1524%4,306
Total domestic deposits to total assets86.6670%1,708
Equity capital to assets12.5820%1,684
Core capital (leverage) ratio12.8000%1,286
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.1180%629
Memoranda:
Average total assets$41,852,5004,813
Average earning assets$37,170,0004,826
Average equity$5,346,5004,797
Average total loans$23,886,0004,722
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1456%1,119
Cost of funding earning assets0.4977%4,098
Net interest margin4.6479%526
Noninterest income to average assets0.2444%4,219
Noninterest expense to average assets2.2854%3,976
Loan and lease loss provision to assets1.7638%52
Net operating income to assets0.0731%4,941
Return on assets (ROA)0.0731%4,957
Pretax return on assets0.5014%4,576
Return on Equity (ROE)0.5437%4,959
Retained earnings to average equity (ytd only)-4.5182%4,965
Net charge-offs to loans0.3044%683
Credit loss provision to net charge-offs853.6585%387
Earnings coverage of net charge-offs (x)10.9634%2,531
Efficiency ratio50.2215%4,718
Assets per employee ($millions)5.0705%2,488
Cash dividends to net income (ytd only)*931.0345%9
Condition Ratios (%)
Loss allowance to loans4.6459%41
Loan loss allowance to noncurrent loans132.9157%2,794
Noncurrent assets plus other real estate owned to assets2.4455%267
Noncurrent loans to loans3.4954%237
Net loans and leases to total assets59.0474%3,669
Net loans and leases to deposits68.4597%3,782
Net loans and leases to core deposits73.2701%3,778
Total domestic deposits to total assets86.2514%1,956
Equity capital to assets12.9795%1,538
Core capital (leverage) ratio13.1434%1,180
Tier 1 risk-based capital ratio17.9910%1,763
Total risk-based capital ratio19.2758%1,708
Memoranda:
Average total assets$39,686,4004,895
Average earning assets$36,769,2004,881
Average equity$5,334,0004,844
Average total loans$26,936,8004,709
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9765%1,607
Cost of funding earning assets0.4908%4,180
Net interest margin4.4857%795
Noninterest income to average assets0.2534%4,222
Noninterest expense to average assets2.2499%4,069
Loan and lease loss provision to assets2.3648%35
Net operating income to assets-0.1385%5,093
Return on assets (ROA)-0.1385%5,100
Pretax return on assets-0.1622%5,100
Return on Equity (ROE)-1.0216%5,098
Retained earnings to average equity (ytd only)-7.7488%5,120
Net charge-offs to loans0.5160%328
Credit loss provision to net charge-offs660.3774%505
Earnings coverage of net charge-offs (x)6.1509%2,859
Efficiency ratio50.5311%4,709
Assets per employee ($millions)6.4570%1,294
Cash dividends to net income (ytd only)*-658.4781%5,253
Condition Ratios (%)
Loss allowance to loans4.1664%56
Loan loss allowance to noncurrent loans75.0492%3,739
Noncurrent assets plus other real estate owned to assets4.2254%99
Noncurrent loans to loans5.5515%85
Net loans and leases to total assets67.8618%2,806
Net loans and leases to deposits79.0921%3,000
Net loans and leases to core deposits83.2890%3,156
Total domestic deposits to total assets85.8009%2,080
Equity capital to assets13.4144%1,393
Core capital (leverage) ratio13.1446%1,283
Tier 1 risk-based capital ratio17.5629%1,928
Total risk-based capital ratio18.8443%1,886
Memoranda:
Average total assets$39,467,0004,972
Average earning assets$36,946,2504,954
Average equity$5,351,2504,907
Average total loans$27,391,2504,764
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0743%1,290
Cost of funding earning assets0.4691%4,245
Net interest margin4.6053%609
Noninterest income to average assets0.2267%4,390
Noninterest expense to average assets2.3269%3,938
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.6873%741
Return on assets (ROA)1.6873%771
Pretax return on assets2.2514%390
Return on Equity (ROE)12.4013%1,445
Retained earnings to average equity (ytd only)2.4062%3,980
Net charge-offs to loans-0.1169%5,033
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.8251%4,738
Assets per employee ($millions)6.6047%1,185
Cash dividends to net income (ytd only)*80.5970%816
Condition Ratios (%)
Loss allowance to loans1.9967%483
Loan loss allowance to noncurrent loans39.9858%4,383
Noncurrent assets plus other real estate owned to assets3.5657%138
Noncurrent loans to loans4.9935%105
Net loans and leases to total assets69.9808%2,532
Net loans and leases to deposits82.2079%2,707
Net loans and leases to core deposits86.5030%2,926
Total domestic deposits to total assets85.1267%2,420
Equity capital to assets14.0381%1,100
Core capital (leverage) ratio16.1759%528
Tier 1 risk-based capital ratio17.6349%1,901
Total risk-based capital ratio18.8916%1,853
Memoranda:
Average total assets$39,708,6705,013
Average earning assets$37,522,3304,984
Average equity$5,402,6704,935
Average total loans$27,377,0004,801
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1850%936
Cost of funding earning assets0.4444%4,317
Net interest margin4.7406%453
Noninterest income to average assets0.2214%4,420
Noninterest expense to average assets2.5158%3,456
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.6504%811
Return on assets (ROA)1.6504%839
Pretax return on assets2.2139%436
Return on Equity (ROE)12.3250%1,435
Retained earnings to average equity (ytd only)-7.9662%5,028
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.1915%4,604
Assets per employee ($millions)6.7342%1,122
Cash dividends to net income (ytd only)*164.6341%281
Condition Ratios (%)
Loss allowance to loans2.0697%437
Loan loss allowance to noncurrent loans93.3673%3,477
Noncurrent assets plus other real estate owned to assets1.4553%834
Noncurrent loans to loans2.2168%637
Net loans and leases to total assets64.2891%3,247
Net loans and leases to deposits74.6673%3,388
Net loans and leases to core deposits78.4442%3,486
Total domestic deposits to total assets86.1007%2,230
Equity capital to assets13.1642%1,363
Core capital (leverage) ratio13.3563%1,132
Tier 1 risk-based capital ratio17.4142%1,967
Total risk-based capital ratio18.6682%1,916
Memoranda:
Average total assets$39,749,0005,063
Average earning assets$37,801,5005,034
Average equity$5,322,5004,988
Average total loans$26,917,0004,867
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4663%2,559
Cost of funding earning assets0.3706%4,154
Net interest margin4.0956%1,691
Noninterest income to average assets0.1921%4,754
Noninterest expense to average assets2.1130%4,531
Loan and lease loss provision to assets0.2527%677
Net operating income to assets1.3194%1,723
Return on assets (ROA)1.3194%1,713
Pretax return on assets1.7364%1,078
Return on Equity (ROE)10.0764%2,485
Retained earnings to average equity (ytd only)4.8645%2,854
Net charge-offs to loans0.2018%948
Credit loss provision to net charge-offs192.3077%1,489
Earnings coverage of net charge-offs (x)15.1346%2,344
Efficiency ratio51.5096%4,838
Assets per employee ($millions)6.5155%1,210
Cash dividends to net income (ytd only)*51.7241%1,873
Condition Ratios (%)
Loss allowance to loans2.0103%461
Loan loss allowance to noncurrent loans62.6712%4,065
Noncurrent assets plus other real estate owned to assets2.2408%379
Noncurrent loans to loans3.2077%297
Net loans and leases to total assets68.4522%2,814
Net loans and leases to deposits79.9450%2,962
Net loans and leases to core deposits84.1562%3,076
Total domestic deposits to total assets85.6240%2,387
Equity capital to assets13.6239%1,099
Core capital (leverage) ratio14.2746%847
Tier 1 risk-based capital ratio18.0634%1,740
Total risk-based capital ratio19.3171%1,699
Memoranda:
Average total assets$39,564,8005,104
Average earning assets$37,771,8005,078
Average equity$5,180,4005,024
Average total loans$25,766,8004,916
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3627%2,754
Cost of funding earning assets0.3615%4,104
Net interest margin4.0012%1,951
Noninterest income to average assets0.1982%4,787
Noninterest expense to average assets2.1571%4,413
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.4044%1,473
Return on assets (ROA)1.4044%1,471
Pretax return on assets1.8715%856
Return on Equity (ROE)10.8344%2,245
Retained earnings to average equity (ytd only)3.8361%3,862
Net charge-offs to loans-0.0788%5,090
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.5446%4,649
Assets per employee ($millions)6.2427%1,322
Cash dividends to net income (ytd only)*64.5931%1,028
Condition Ratios (%)
Loss allowance to loans1.9615%522
Loan loss allowance to noncurrent loans37.3642%4,621
Noncurrent assets plus other real estate owned to assets3.6870%148
Noncurrent loans to loans5.2498%114
Net loans and leases to total assets68.8541%2,812
Net loans and leases to deposits80.7426%2,955
Net loans and leases to core deposits85.2111%3,070
Total domestic deposits to total assets85.2761%2,499
Equity capital to assets13.9283%980
Core capital (leverage) ratio15.9930%517
Tier 1 risk-based capital ratio18.9082%1,558
Total risk-based capital ratio20.1663%1,527
Memoranda:
Average total assets$39,682,7505,167
Average earning assets$37,988,0005,138
Average equity$5,144,0005,090
Average total loans$25,381,2504,984
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2902%2,799
Cost of funding earning assets0.3411%4,128
Net interest margin3.9491%2,034
Noninterest income to average assets0.2078%4,768
Noninterest expense to average assets2.1868%4,398
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.3408%1,634
Return on assets (ROA)1.3408%1,642
Pretax return on assets1.8009%962
Return on Equity (ROE)10.5866%2,286
Retained earnings to average equity (ytd only)0.0391%4,950
Net charge-offs to loans-0.0080%4,238
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.8387%4,603
Assets per employee ($millions)6.8107%1,011
Cash dividends to net income (ytd only)*99.6310%387
Condition Ratios (%)
Loss allowance to loans1.9837%533
Loan loss allowance to noncurrent loans58.1503%4,257
Noncurrent assets plus other real estate owned to assets2.1168%487
Noncurrent loans to loans3.4113%291
Net loans and leases to total assets60.8213%3,726
Net loans and leases to deposits69.9994%3,857
Net loans and leases to core deposits73.4652%3,913
Total domestic deposits to total assets86.8882%1,886
Equity capital to assets12.4217%1,584
Core capital (leverage) ratio13.0193%1,208
Tier 1 risk-based capital ratio18.1036%1,770
Total risk-based capital ratio19.3595%1,729
Memoranda:
Average total assets$40,425,0005,215
Average earning assets$38,692,6705,183
Average equity$5,119,6705,147
Average total loans$25,073,0005,053
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3582%2,328
Cost of funding earning assets0.3217%4,191
Net interest margin4.0365%1,605
Noninterest income to average assets0.2288%4,636
Noninterest expense to average assets2.5867%3,372
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.1441%2,245
Return on assets (ROA)1.1441%2,258
Pretax return on assets1.5122%1,655
Return on Equity (ROE)8.9468%2,929
Retained earnings to average equity (ytd only)-12.0587%5,407
Net charge-offs to loans-0.0160%4,445
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1068%3,615
Assets per employee ($millions)6.7633%1,061
Cash dividends to net income (ytd only)*234.7826%139
Condition Ratios (%)
Loss allowance to loans2.0428%493
Loan loss allowance to noncurrent loans75.4887%3,930
Noncurrent assets plus other real estate owned to assets1.6387%818
Noncurrent loans to loans2.7061%471
Net loans and leases to total assets59.3199%3,812
Net loans and leases to deposits68.3262%3,925
Net loans and leases to core deposits71.7368%3,983
Total domestic deposits to total assets86.8186%2,196
Equity capital to assets12.2474%1,638
Core capital (leverage) ratio12.0870%1,601
Tier 1 risk-based capital ratio17.8781%1,870
Total risk-based capital ratio19.1332%1,819
Memoranda:
Average total assets$40,205,5005,274
Average earning assets$38,548,0005,248
Average equity$5,141,5005,198
Average total loans$24,931,0005,109
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1859%2,740
Cost of funding earning assets0.2836%4,286
Net interest margin3.9022%2,084
Noninterest income to average assets0.2177%4,849
Noninterest expense to average assets2.2631%4,417
Loan and lease loss provision to assets0.0787%2,621
Net operating income to assets1.0149%2,175
Return on assets (ROA)1.0149%2,211
Pretax return on assets1.5918%1,314
Return on Equity (ROE)7.4667%3,054
Retained earnings to average equity (ytd only)2.8362%3,617
Net charge-offs to loans0.0119%3,663
Credit loss provision to net charge-offs1,000.0000%353
Earnings coverage of net charge-offs (x)212.3333%380
Efficiency ratio57.5333%4,583
Assets per employee ($millions)5.6901%1,757
Cash dividends to net income (ytd only)*62.0155%1,660
Condition Ratios (%)
Loss allowance to loans1.9812%557
Loan loss allowance to noncurrent loans44.5730%4,599
Noncurrent assets plus other real estate owned to assets2.8219%303
Noncurrent loans to loans4.4448%190
Net loans and leases to total assets62.2304%3,588
Net loans and leases to deposits72.5211%3,646
Net loans and leases to core deposits76.2583%3,720
Total domestic deposits to total assets85.8100%2,530
Equity capital to assets13.3389%1,118
Core capital (leverage) ratio15.2826%573
Tier 1 risk-based capital ratio18.7295%1,579
Total risk-based capital ratio19.9845%1,535
Memoranda:
Average total assets$38,132,8005,358
Average earning assets$36,312,6005,331
Average equity$5,183,0005,241
Average total loans$25,171,2005,152
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1814%2,675
Cost of funding earning assets0.2785%4,332
Net interest margin3.9029%2,032
Noninterest income to average assets0.2192%4,910
Noninterest expense to average assets2.3690%4,094
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.9405%2,824
Return on assets (ROA)0.9405%2,890
Pretax return on assets1.5664%1,526
Return on Equity (ROE)6.8859%3,728
Retained earnings to average equity (ytd only)0.6731%5,070
Net charge-offs to loans-0.0318%5,016
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.1977%4,179
Assets per employee ($millions)6.3922%1,254
Cash dividends to net income (ytd only)*90.2244%440
Condition Ratios (%)
Loss allowance to loans1.8689%752
Loan loss allowance to noncurrent loans67.3212%4,191
Noncurrent assets plus other real estate owned to assets1.8590%724
Noncurrent loans to loans2.7762%496
Net loans and leases to total assets65.7132%3,147
Net loans and leases to deposits76.6491%3,308
Net loans and leases to core deposits80.7633%3,388
Total domestic deposits to total assets85.7325%2,416
Equity capital to assets13.6495%1,097
Core capital (leverage) ratio15.0338%658
Tier 1 risk-based capital ratio17.6166%1,969
Total risk-based capital ratio18.8689%1,909
Memoranda:
Average total assets$37,708,2505,425
Average earning assets$35,904,5005,392
Average equity$5,150,5005,305
Average total loans$25,142,0005,207
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1625%2,620
Cost of funding earning assets0.2640%4,427
Net interest margin3.8985%1,933
Noninterest income to average assets0.2134%4,977
Noninterest expense to average assets2.5071%3,725
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.8482%3,164
Return on assets (ROA)0.8482%3,213
Pretax return on assets1.4083%1,989
Return on Equity (ROE)6.2081%3,953
Retained earnings to average equity (ytd only)-3.1626%5,443
Net charge-offs to loans-0.0401%5,077
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.0327%3,660
Assets per employee ($millions)6.4632%1,180
Cash dividends to net income (ytd only)*150.9434%155
Condition Ratios (%)
Loss allowance to loans1.9288%686
Loan loss allowance to noncurrent loans58.6291%4,399
Noncurrent assets plus other real estate owned to assets2.1068%583
Noncurrent loans to loans3.2898%366
Net loans and leases to total assets62.8046%3,535
Net loans and leases to deposits72.8821%3,660
Net loans and leases to core deposits76.7280%3,707
Total domestic deposits to total assets86.1729%2,303
Equity capital to assets13.2572%1,249
Core capital (leverage) ratio13.8065%910
Tier 1 risk-based capital ratio17.5019%2,011
Total risk-based capital ratio18.7581%1,960
Memoranda:
Average total assets$37,493,3305,474
Average earning assets$35,603,6705,441
Average equity$5,122,3305,341
Average total loans$24,961,6705,249
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1456%2,490
Cost of funding earning assets0.2512%4,526
Net interest margin3.8943%1,798
Noninterest income to average assets0.2605%4,670
Noninterest expense to average assets2.9091%2,433
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.7815%3,300
Return on assets (ROA)0.7815%3,355
Pretax return on assets1.0529%3,161
Return on Equity (ROE)5.6327%4,068
Retained earnings to average equity (ytd only)-13.1430%5,641
Net charge-offs to loans0.0160%2,477
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)97.0000%551
Efficiency ratio73.4247%2,337
Assets per employee ($millions)6.2322%1,344
Cash dividends to net income (ytd only)*333.3333%86
Condition Ratios (%)
Loss allowance to loans1.8801%817
Loan loss allowance to noncurrent loans59.9493%4,424
Noncurrent assets plus other real estate owned to assets2.1100%609
Noncurrent loans to loans3.1362%420
Net loans and leases to total assets66.0150%2,969
Net loans and leases to deposits76.9507%3,085
Net loans and leases to core deposits81.1900%3,177
Total domestic deposits to total assets85.7888%2,759
Equity capital to assets13.5159%1,065
Core capital (leverage) ratio13.5369%966
Tier 1 risk-based capital ratio17.7141%1,974
Total risk-based capital ratio18.9688%1,925
Memoranda:
Average total assets$36,850,5005,548
Average earning assets$35,025,5005,515
Average equity$5,113,0005,398
Average total loans$25,025,5005,297
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1946%2,505
Cost of funding earning assets0.2026%4,991
Net interest margin3.9920%1,652
Noninterest income to average assets0.2033%5,198
Noninterest expense to average assets2.4821%4,070
Loan and lease loss provision to assets0.1284%1,933
Net operating income to assets0.8880%2,886
Return on assets (ROA)0.8880%3,004
Pretax return on assets1.3882%1,990
Return on Equity (ROE)6.5113%3,735
Retained earnings to average equity (ytd only)0.6276%5,077
Net charge-offs to loans0.0391%3,245
Credit loss provision to net charge-offs480.0000%685
Earnings coverage of net charge-offs (x)56.7000%934
Efficiency ratio62.0736%4,233
Assets per employee ($millions)6.0513%1,439
Cash dividends to net income (ytd only)*90.3614%577
Condition Ratios (%)
Loss allowance to loans1.9041%797
Loan loss allowance to noncurrent loans146.2963%2,856
Noncurrent assets plus other real estate owned to assets0.8924%2,126
Noncurrent loans to loans1.3016%1,575
Net loans and leases to total assets67.2552%2,892
Net loans and leases to deposits79.1463%2,979
Net loans and leases to core deposits83.6898%3,054
Total domestic deposits to total assets84.9758%3,059
Equity capital to assets14.2448%810
Core capital (leverage) ratio13.8753%849
Tier 1 risk-based capital ratio18.9719%1,607
Total risk-based capital ratio20.2250%1,569
Memoranda:
Average total assets$37,387,2005,584
Average earning assets$35,545,8005,553
Average equity$5,098,8005,452
Average total loans$25,586,4005,328
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0179%3,154
Cost of funding earning assets0.2009%5,055
Net interest margin3.8170%2,271
Noninterest income to average assets0.2195%5,153
Noninterest expense to average assets2.5351%3,880
Loan and lease loss provision to assets0.0637%2,965
Net operating income to assets0.8356%3,215
Return on assets (ROA)0.8356%3,337
Pretax return on assets1.2534%2,609
Return on Equity (ROE)6.1935%3,978
Retained earnings to average equity (ytd only)-1.6796%5,575
Net charge-offs to loans0.0362%2,903
Credit loss provision to net charge-offs257.1429%1,173
Earnings coverage of net charge-offs (x)53.1608%1,027
Efficiency ratio65.8088%3,621
Assets per employee ($millions)6.0597%1,389
Cash dividends to net income (ytd only)*127.1182%189
Condition Ratios (%)
Loss allowance to loans1.7100%1,198
Loan loss allowance to noncurrent loans56.8702%4,584
Noncurrent assets plus other real estate owned to assets2.1618%689
Noncurrent loans to loans3.0069%495
Net loans and leases to total assets70.6667%2,396
Net loans and leases to deposits83.2674%2,575
Net loans and leases to core deposits88.0470%2,754
Total domestic deposits to total assets84.8672%2,866
Equity capital to assets14.2032%965
Core capital (leverage) ratio13.8146%901
Tier 1 risk-based capital ratio17.7001%2,006
Total risk-based capital ratio18.9542%1,964
Memoranda:
Average total assets$37,657,0005,639
Average earning assets$35,839,0005,606
Average equity$5,080,5005,513
Average total loans$25,759,7505,377
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9503%3,427
Cost of funding earning assets0.1876%5,255
Net interest margin3.7627%2,465
Noninterest income to average assets0.3962%3,899
Noninterest expense to average assets2.6534%3,540
Loan and lease loss provision to assets0.2346%852
Net operating income to assets0.6673%3,969
Return on assets (ROA)0.6673%4,106
Pretax return on assets1.0635%3,347
Return on Equity (ROE)4.8275%4,590
Retained earnings to average equity (ytd only)-6.4869%5,803
Net charge-offs to loans-0.0236%5,018
Credit loss provision to net charge-offs-1,500.0000%5,163
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.1504%3,511
Assets per employee ($millions)5.2503%2,036
Cash dividends to net income (ytd only)*234.3750%82
Condition Ratios (%)
Loss allowance to loans0.2840%5,944
Loan loss allowance to noncurrent loans10.0418%5,487
Noncurrent assets plus other real estate owned to assets1.9509%846
Noncurrent loans to loans2.8283%551
Net loans and leases to total assets68.7827%2,665
Net loans and leases to deposits81.1994%2,791
Net loans and leases to core deposits85.8166%2,918
Total domestic deposits to total assets84.7083%3,000
Equity capital to assets14.4863%876
Core capital (leverage) ratio14.2087%769
Tier 1 risk-based capital ratio18.0695%1,914
Total risk-based capital ratio18.3139%2,150
Memoranda:
Average total assets$38,365,3305,691
Average earning assets$36,250,3305,658
Average equity$5,303,0005,525
Average total loans$25,374,0005,447
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1192%2,777
Cost of funding earning assets0.1843%5,336
Net interest margin3.9350%1,831
Noninterest income to average assets0.4187%3,693
Noninterest expense to average assets2.9817%2,451
Loan and lease loss provision to assets0.1634%1,267
Net operating income to assets0.6740%3,856
Return on assets (ROA)0.6740%3,977
Pretax return on assets0.9803%3,551
Return on Equity (ROE)4.9882%4,489
Retained earnings to average equity (ytd only)-17.6854%5,939
Net charge-offs to loans-0.0473%5,297
Credit loss provision to net charge-offs-533.3333%4,588
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2772%2,758
Assets per employee ($millions)6.4793%1,118
Cash dividends to net income (ytd only)*454.5455%52
Condition Ratios (%)
Loss allowance to loans0.1735%6,046
Loan loss allowance to noncurrent loans5.2184%5,528
Noncurrent assets plus other real estate owned to assets2.1196%796
Noncurrent loans to loans3.3255%436
Net loans and leases to total assets63.6254%3,291
Net loans and leases to deposits74.2102%3,412
Net loans and leases to core deposits78.1368%3,479
Total domestic deposits to total assets85.7367%2,793
Equity capital to assets13.2730%1,279
Core capital (leverage) ratio13.9294%830
Tier 1 risk-based capital ratio16.0259%2,667
Total risk-based capital ratio16.1607%3,137
Memoranda:
Average total assets$39,172,0005,728
Average earning assets$36,900,0005,704
Average equity$5,292,5005,557
Average total loans$25,385,5005,498
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0630%3,061
Cost of funding earning assets0.1692%5,543
Net interest margin3.8938%2,052
Noninterest income to average assets0.1902%5,453
Noninterest expense to average assets2.4261%4,451
Loan and lease loss provision to assets0.1631%1,410
Net operating income to assets0.8375%3,170
Return on assets (ROA)0.8375%3,237
Pretax return on assets1.2402%2,504
Return on Equity (ROE)6.6688%3,702
Retained earnings to average equity (ytd only)6.6688%1,458
Net charge-offs to loans0.0042%4,305
Credit loss provision to net charge-offs6,600.0000%51
Earnings coverage of net charge-offs (x)568.0000%113
Efficiency ratio63.3548%4,387
Assets per employee ($millions)6.5780%1,062
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.6774%1,402
Loan loss allowance to noncurrent loans63.9296%4,542
Noncurrent assets plus other real estate owned to assets1.7280%1,111
Noncurrent loans to loans2.6238%680
Net loans and leases to total assets64.7537%3,153
Net loans and leases to deposits76.0625%3,244
Net loans and leases to core deposits80.0532%3,340
Total domestic deposits to total assets85.1323%3,025
Equity capital to assets13.7453%1,022
Core capital (leverage) ratio13.5669%943
Tier 1 risk-based capital ratio18.1262%1,928
Total risk-based capital ratio19.3792%1,889
Memoranda:
Average total assets$40,477,2005,755
Average earning assets$37,829,2005,733
Average equity$5,083,4005,637
Average total loans$23,883,0005,590
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0846%3,004
Cost of funding earning assets0.1718%5,615
Net interest margin3.9128%1,989
Noninterest income to average assets0.1899%5,528
Noninterest expense to average assets2.3799%4,570
Loan and lease loss provision to assets0.0982%2,212
Net operating income to assets0.9231%2,841
Return on assets (ROA)0.9231%2,934
Pretax return on assets1.3651%2,158
Return on Equity (ROE)7.5228%3,321
Retained earnings to average equity (ytd only)7.5228%1,434
Net charge-offs to loans-0.0343%5,406
Credit loss provision to net charge-offs-500.0000%5,355
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.9250%4,583
Assets per employee ($millions)6.9412%890
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.6236%1,704
Loan loss allowance to noncurrent loans58.9001%4,726
Noncurrent assets plus other real estate owned to assets1.6592%1,319
Noncurrent loans to loans2.7565%685
Net loans and leases to total assets59.2143%3,978
Net loans and leases to deposits68.3414%4,157
Net loans and leases to core deposits71.6681%4,216
Total domestic deposits to total assets86.6449%2,213
Equity capital to assets12.2794%1,888
Core capital (leverage) ratio13.1367%1,159
Tier 1 risk-based capital ratio15.1347%3,227
Total risk-based capital ratio16.3557%3,181
Memoranda:
Average total assets$40,729,5005,825
Average earning assets$38,028,2505,807
Average equity$4,998,0005,724
Average total loans$23,355,5005,676
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1317%2,786
Cost of funding earning assets0.1866%5,559
Net interest margin3.9451%1,832
Noninterest income to average assets0.1880%5,562
Noninterest expense to average assets2.4886%4,274
Loan and lease loss provision to assets0.0544%3,025
Net operating income to assets0.8955%2,900
Return on assets (ROA)0.8955%3,026
Pretax return on assets1.3062%2,340
Return on Equity (ROE)7.2994%3,438
Retained earnings to average equity (ytd only)7.2994%1,571
Net charge-offs to loans-0.0351%5,392
Credit loss provision to net charge-offs-275.0000%5,093
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6530%4,246
Assets per employee ($millions)6.9967%830
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.6474%1,754
Loan loss allowance to noncurrent loans74.2802%4,365
Noncurrent assets plus other real estate owned to assets1.2411%2,030
Noncurrent loans to loans2.2179%1,078
Net loans and leases to total assets55.0357%4,453
Net loans and leases to deposits63.2415%4,603
Net loans and leases to core deposits66.2803%4,630
Total domestic deposits to total assets87.0248%2,159
Equity capital to assets11.9700%2,051
Core capital (leverage) ratio12.9120%1,205
Tier 1 risk-based capital ratio16.0457%2,833
Total risk-based capital ratio17.2952%2,788
Memoranda:
Average total assets$40,423,6705,895
Average earning assets$37,514,6705,874
Average equity$4,959,3305,791
Average total loans$22,784,6705,752
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9061%3,580
Cost of funding earning assets0.1981%5,535
Net interest margin3.7080%2,593
Noninterest income to average assets0.2119%5,435
Noninterest expense to average assets2.5224%4,195
Loan and lease loss provision to assets0.0202%3,454
Net operating income to assets0.7466%3,559
Return on assets (ROA)0.7466%3,689
Pretax return on assets1.0695%3,218
Return on Equity (ROE)6.0083%4,038
Retained earnings to average equity (ytd only)6.0083%2,505
Net charge-offs to loans-0.0357%5,345
Credit loss provision to net charge-offs-100.0000%4,487
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8324%3,521
Assets per employee ($millions)6.7950%943
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.6954%1,751
Loan loss allowance to noncurrent loans35.8852%5,403
Noncurrent assets plus other real estate owned to assets2.5632%828
Noncurrent loans to loans4.7244%306
Net loans and leases to total assets53.3333%4,512
Net loans and leases to deposits61.4446%4,628
Net loans and leases to core deposits64.4974%4,654
Total domestic deposits to total assets86.7991%2,493
Equity capital to assets12.1683%1,914
Core capital (leverage) ratio12.6227%1,308
Tier 1 risk-based capital ratio303.2602%17
Total risk-based capital ratio304.7649%17
Memoranda:
Average total assets$39,645,5005,963
Average earning assets$36,353,5005,956
Average equity$4,926,5005,850
Average total loans$22,431,5005,809
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6560%4,915
Cost of funding earning assets0.2115%5,655
Net interest margin3.4445%4,004
Noninterest income to average assets0.1885%5,728
Noninterest expense to average assets2.2447%5,255
Loan and lease loss provision to assets0.0452%3,671
Net operating income to assets0.7164%3,808
Return on assets (ROA)0.7164%3,920
Pretax return on assets1.0105%3,451
Return on Equity (ROE)6.0323%4,129
Retained earnings to average equity (ytd only)4.1273%3,266
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0122%3,898
Assets per employee ($millions)6.4202%1,101
Cash dividends to net income (ytd only)*31.5789%3,307
Condition Ratios (%)
Loss allowance to loans1.6312%1,987
Loan loss allowance to noncurrent loans38.9297%5,397
Noncurrent assets plus other real estate owned to assets2.4740%935
Noncurrent loans to loans4.1901%419
Net loans and leases to total assets58.0800%4,037
Net loans and leases to deposits67.3926%4,183
Net loans and leases to core deposits70.9736%4,221
Total domestic deposits to total assets86.1816%2,733
Equity capital to assets12.6996%1,539
Core capital (leverage) ratio13.2021%1,061
Tier 1 risk-based capital ratio18.0152%2,130
Total risk-based capital ratio19.2675%2,095
Memoranda:
Average total assets$39,782,6006,037
Average earning assets$35,941,2006,036
Average equity$4,724,6005,920
Average total loans$20,494,4005,942
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6098%5,115
Cost of funding earning assets0.2126%5,732
Net interest margin3.3973%4,251
Noninterest income to average assets0.1729%5,885
Noninterest expense to average assets2.2411%5,250
Loan and lease loss provision to assets0.0399%3,614
Net operating income to assets0.6850%4,016
Return on assets (ROA)0.6850%4,107
Pretax return on assets0.9743%3,698
Return on Equity (ROE)5.8654%4,301
Retained earnings to average equity (ytd only)3.3028%4,271
Net charge-offs to loans0.0401%3,699
Credit loss provision to net charge-offs200.0000%1,260
Earnings coverage of net charge-offs (x)50.8325%966
Efficiency ratio68.8458%3,696
Assets per employee ($millions)6.2663%1,163
Cash dividends to net income (ytd only)*43.6904%2,162
Condition Ratios (%)
Loss allowance to loans1.7087%1,942
Loan loss allowance to noncurrent loans40.5862%5,431
Noncurrent assets plus other real estate owned to assets2.3592%1,154
Noncurrent loans to loans4.2100%482
Net loans and leases to total assets55.0801%4,450
Net loans and leases to deposits63.9561%4,540
Net loans and leases to core deposits67.4450%4,565
Total domestic deposits to total assets86.1216%2,791
Equity capital to assets12.7959%1,527
Core capital (leverage) ratio13.0312%1,165
Tier 1 risk-based capital ratio18.4300%2,077
Total risk-based capital ratio19.6815%2,042
Memoranda:
Average total assets$40,098,0006,110
Average earning assets$36,381,2506,101
Average equity$4,682,7505,994
Average total loans$19,932,0006,030
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4841%5,443
Cost of funding earning assets0.2164%5,784
Net interest margin3.2677%4,707
Noninterest income to average assets0.1857%5,842
Noninterest expense to average assets2.2721%5,225
Loan and lease loss provision to assets0.0293%3,687
Net operating income to assets0.6108%4,306
Return on assets (ROA)0.6108%4,397
Pretax return on assets0.8355%4,140
Return on Equity (ROE)5.3879%4,489
Retained earnings to average equity (ytd only)1.5086%5,136
Net charge-offs to loans0.3682%1,109
Credit loss provision to net charge-offs16.6667%3,236
Earnings coverage of net charge-offs (x)4.9167%3,022
Efficiency ratio72.4299%3,259
Assets per employee ($millions)6.3990%1,064
Cash dividends to net income (ytd only)*72.0000%1,116
Condition Ratios (%)
Loss allowance to loans1.6688%2,235
Loan loss allowance to noncurrent loans33.1622%5,702
Noncurrent assets plus other real estate owned to assets2.5369%1,107
Noncurrent loans to loans5.0323%395
Net loans and leases to total assets49.5702%5,007
Net loans and leases to deposits57.1257%5,110
Net loans and leases to core deposits60.7256%5,081
Total domestic deposits to total assets86.7740%2,594
Equity capital to assets12.2728%1,796
Core capital (leverage) ratio12.1516%1,571
Tier 1 risk-based capital ratio19.2865%1,858
Total risk-based capital ratio20.5397%1,817
Memoranda:
Average total assets$40,931,3306,145
Average earning assets$36,967,6706,147
Average equity$4,640,0006,046
Average total loans$19,553,0006,095
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3651%5,718
Cost of funding earning assets0.2097%5,920
Net interest margin3.1555%5,070
Noninterest income to average assets0.2180%5,610
Noninterest expense to average assets2.3697%5,009
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.5308%4,552
Return on assets (ROA)0.5308%4,618
Pretax return on assets0.7014%4,480
Return on Equity (ROE)4.8653%4,611
Retained earnings to average equity (ytd only)-2.9540%5,960
Net charge-offs to loans-0.0204%5,371
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1605%2,622
Assets per employee ($millions)6.6822%935
Cash dividends to net income (ytd only)*160.7143%350
Condition Ratios (%)
Loss allowance to loans1.8054%2,021
Loan loss allowance to noncurrent loans25.7267%5,957
Noncurrent assets plus other real estate owned to assets3.4320%768
Noncurrent loans to loans7.0175%221
Net loans and leases to total assets48.0233%5,127
Net loans and leases to deposits54.6911%5,218
Net loans and leases to core deposits57.9416%5,206
Total domestic deposits to total assets87.8083%2,336
Equity capital to assets11.4010%2,332
Core capital (leverage) ratio11.2050%2,215
Tier 1 risk-based capital ratio18.6063%2,089
Total risk-based capital ratio19.8584%2,052
Memoranda:
Average total assets$42,200,0006,164
Average earning assets$38,156,0006,165
Average equity$4,604,0006,098
Average total loans$19,652,0006,150
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9075%4,430
Cost of funding earning assets0.3235%5,392
Net interest margin3.5841%3,530
Noninterest income to average assets0.1816%5,999
Noninterest expense to average assets2.2723%5,455
Loan and lease loss provision to assets0.0374%4,366
Net operating income to assets0.6248%4,135
Return on assets (ROA)0.6248%4,253
Pretax return on assets0.8304%4,030
Return on Equity (ROE)5.0772%4,587
Retained earnings to average equity (ytd only)4.2961%3,118
Net charge-offs to loans0.0576%4,420
Credit loss provision to net charge-offs127.2727%1,850
Earnings coverage of net charge-offs (x)29.5455%1,202
Efficiency ratio72.3639%3,406
Assets per employee ($millions)7.3845%632
Cash dividends to net income (ytd only)*15.3846%3,871
Condition Ratios (%)
Loss allowance to loans1.7922%2,086
Loan loss allowance to noncurrent loans51.7595%5,190
Noncurrent assets plus other real estate owned to assets1.5393%2,421
Noncurrent loans to loans3.4626%917
Net loans and leases to total assets43.6568%5,705
Net loans and leases to deposits49.0354%5,829
Net loans and leases to core deposits51.6199%5,823
Total domestic deposits to total assets89.0311%1,602
Equity capital to assets10.4656%3,209
Core capital (leverage) ratio11.5520%1,924
Tier 1 risk-based capital ratio17.8608%2,286
Total risk-based capital ratio19.1120%2,255
Memoranda:
Average total assets$37,450,8006,350
Average earning assets$30,914,6006,427
Average equity$4,608,8006,170
Average total loans$19,088,0006,251
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1792%3,460
Cost of funding earning assets0.3626%5,164
Net interest margin3.8166%2,586
Noninterest income to average assets0.1903%6,049
Noninterest expense to average assets2.3356%5,228
Loan and lease loss provision to assets0.0522%3,983
Net operating income to assets0.6529%4,102
Return on assets (ROA)0.6529%4,236
Pretax return on assets0.8656%4,024
Return on Equity (ROE)5.0705%4,689
Retained earnings to average equity (ytd only)4.0274%3,826
Net charge-offs to loans0.0915%3,649
Credit loss provision to net charge-offs107.6923%2,180
Earnings coverage of net charge-offs (x)18.9261%1,652
Efficiency ratio71.7890%3,443
Assets per employee ($millions)5.7872%1,385
Cash dividends to net income (ytd only)*20.5717%3,072
Condition Ratios (%)
Loss allowance to loans1.9087%1,979
Loan loss allowance to noncurrent loans71.3415%4,364
Noncurrent assets plus other real estate owned to assets1.4169%2,832
Noncurrent loans to loans2.6755%1,583
Net loans and leases to total assets51.9483%4,880
Net loans and leases to deposits60.3318%4,935
Net loans and leases to core deposits64.5991%4,834
Total domestic deposits to total assets86.1043%3,194
Equity capital to assets13.2391%1,225
Core capital (leverage) ratio12.9615%1,222
Tier 1 risk-based capital ratio20.0790%1,718
Total risk-based capital ratio21.3312%1,691
Memoranda:
Average total assets$35,736,7506,469
Average earning assets$28,680,7506,545
Average equity$4,601,7506,249
Average total loans$18,936,0006,320
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3097%2,912
Cost of funding earning assets0.3944%4,988
Net interest margin3.9153%2,169
Noninterest income to average assets0.1940%6,049
Noninterest expense to average assets2.3008%5,370
Loan and lease loss provision to assets0.0444%4,079
Net operating income to assets0.6597%4,019
Return on assets (ROA)0.6597%4,170
Pretax return on assets0.8760%4,006
Return on Equity (ROE)5.1702%4,632
Retained earnings to average equity (ytd only)3.6061%4,022
Net charge-offs to loans0.1674%2,777
Credit loss provision to net charge-offs50.0000%3,203
Earnings coverage of net charge-offs (x)10.3750%2,159
Efficiency ratio71.4286%3,570
Assets per employee ($millions)5.9220%1,259
Cash dividends to net income (ytd only)*30.2521%2,664
Condition Ratios (%)
Loss allowance to loans1.9045%2,104
Loan loss allowance to noncurrent loans56.6942%4,940
Noncurrent assets plus other real estate owned to assets1.7027%2,555
Noncurrent loans to loans3.3592%1,287
Net loans and leases to total assets49.7214%5,137
Net loans and leases to deposits57.6355%5,191
Net loans and leases to core deposits61.6047%5,136
Total domestic deposits to total assets86.2687%3,222
Equity capital to assets12.9770%1,352
Core capital (leverage) ratio12.8577%1,219
Tier 1 risk-based capital ratio20.1780%1,684
Total risk-based capital ratio21.4295%1,658
Memoranda:
Average total assets$36,074,6706,509
Average earning assets$27,890,6706,613
Average equity$4,603,3306,297
Average total loans$19,118,3306,353
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7244%1,467
Cost of funding earning assets0.4448%4,648
Net interest margin4.2796%1,005
Noninterest income to average assets0.2091%5,985
Noninterest expense to average assets2.6853%4,125
Loan and lease loss provision to assets0.0220%4,191
Net operating income to assets0.5723%4,351
Return on assets (ROA)0.5723%4,499
Pretax return on assets0.5723%5,044
Return on Equity (ROE)4.5222%4,831
Retained earnings to average equity (ytd only)1.3915%5,282
Net charge-offs to loans-0.2033%6,680
Credit loss provision to net charge-offs-20.0000%4,988
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.8792%2,050
Assets per employee ($millions)6.2433%1,115
Cash dividends to net income (ytd only)*69.2308%1,111
Condition Ratios (%)
Loss allowance to loans1.8957%2,315
Loan loss allowance to noncurrent loans79.5604%3,959
Noncurrent assets plus other real estate owned to assets1.2146%3,538
Noncurrent loans to loans2.3827%2,180
Net loans and leases to total assets50.0107%4,991
Net loans and leases to deposits57.5086%5,092
Net loans and leases to core deposits61.2202%5,025
Total domestic deposits to total assets86.9621%2,983
Equity capital to assets12.2557%1,862
Core capital (leverage) ratio12.1832%1,471
Tier 1 risk-based capital ratio19.0030%2,040
Total risk-based capital ratio20.2557%2,015
Memoranda:
Average total assets$36,346,0006,565
Average earning assets$26,077,5006,720
Average equity$4,599,5006,369
Average total loans$19,672,5006,376
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8395%2,061
Cost of funding earning assets0.5533%4,787
Net interest margin4.2862%1,426
Noninterest income to average assets0.2168%5,879
Noninterest expense to average assets2.4372%5,295
Loan and lease loss provision to assets0.0405%5,359
Net operating income to assets0.7025%3,725
Return on assets (ROA)0.7025%3,979
Pretax return on assets0.9194%3,867
Return on Equity (ROE)5.4375%4,463
Retained earnings to average equity (ytd only)4.6319%2,962
Net charge-offs to loans0.0969%4,693
Credit loss provision to net charge-offs77.7778%3,902
Earnings coverage of net charge-offs (x)18.4444%1,435
Efficiency ratio71.7447%3,470
Assets per employee ($millions)5.8720%1,378
Cash dividends to net income (ytd only)*14.8148%3,924
Condition Ratios (%)
Loss allowance to loans1.7285%2,825
Loan loss allowance to noncurrent loans75.1073%4,087
Noncurrent assets plus other real estate owned to assets1.3227%3,433
Noncurrent loans to loans2.3013%2,349
Net loans and leases to total assets56.4799%4,211
Net loans and leases to deposits65.6451%4,339
Net loans and leases to core deposits70.2202%4,279
Total domestic deposits to total assets86.0383%3,344
Equity capital to assets13.0790%1,405
Core capital (leverage) ratio12.7800%1,206
Tier 1 risk-based capital ratio18.3532%2,154
Total risk-based capital ratio19.6056%2,112
Memoranda:
Average total assets$34,589,2006,643
Average earning assets$25,664,0006,765
Average equity$4,469,0006,452
Average total loans$18,584,4006,486
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8712%2,119
Cost of funding earning assets0.5786%4,848
Net interest margin4.2926%1,489
Noninterest income to average assets0.2285%5,914
Noninterest expense to average assets2.4592%5,219
Loan and lease loss provision to assets0.0310%5,389
Net operating income to assets0.7010%3,913
Return on assets (ROA)0.7010%4,155
Pretax return on assets0.8985%4,102
Return on Equity (ROE)5.4424%4,625
Retained earnings to average equity (ytd only)4.3599%3,822
Net charge-offs to loans0.1321%4,062
Credit loss provision to net charge-offs44.4444%4,519
Earnings coverage of net charge-offs (x)13.3329%1,923
Efficiency ratio72.5714%3,220
Assets per employee ($millions)5.7808%1,388
Cash dividends to net income (ytd only)*19.8898%3,047
Condition Ratios (%)
Loss allowance to loans1.8458%2,659
Loan loss allowance to noncurrent loans36.0209%5,846
Noncurrent assets plus other real estate owned to assets2.7534%1,909
Noncurrent loans to loans5.1242%875
Net loans and leases to total assets52.7404%4,950
Net loans and leases to deposits61.2954%5,046
Net loans and leases to core deposits66.2838%4,923
Total domestic deposits to total assets86.0430%3,234
Equity capital to assets13.0950%1,550
Core capital (leverage) ratio12.8104%1,274
Tier 1 risk-based capital ratio20.0203%1,752
Total risk-based capital ratio21.2724%1,724
Memoranda:
Average total assets$34,428,5006,730
Average earning assets$25,345,5006,862
Average equity$4,434,2506,532
Average total loans$18,168,2506,590
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8584%2,272
Cost of funding earning assets0.5975%4,925
Net interest margin4.2609%1,576
Noninterest income to average assets0.2504%5,787
Noninterest expense to average assets2.4750%5,222
Loan and lease loss provision to assets0.0116%5,519
Net operating income to assets0.7163%3,777
Return on assets (ROA)0.7163%4,048
Pretax return on assets0.9201%4,002
Return on Equity (ROE)5.5930%4,532
Retained earnings to average equity (ytd only)3.9560%3,984
Net charge-offs to loans-0.0111%6,299
Credit loss provision to net charge-offs-200.0000%6,136
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.6496%3,315
Assets per employee ($millions)5.8212%1,355
Cash dividends to net income (ytd only)*29.2683%2,653
Condition Ratios (%)
Loss allowance to loans1.9157%2,503
Loan loss allowance to noncurrent loans44.1832%5,437
Noncurrent assets plus other real estate owned to assets2.4079%2,320
Noncurrent loans to loans4.3359%1,241
Net loans and leases to total assets52.3320%5,053
Net loans and leases to deposits60.6235%5,183
Net loans and leases to core deposits65.5032%5,051
Total domestic deposits to total assets86.3229%3,178
Equity capital to assets12.8210%1,608
Core capital (leverage) ratio12.5759%1,322
Tier 1 risk-based capital ratio19.1818%1,916
Total risk-based capital ratio20.4382%1,891
Memoranda:
Average total assets$34,343,0006,778
Average earning assets$25,440,6706,917
Average equity$4,398,3306,571
Average total loans$18,012,0006,649
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7069%3,029
Cost of funding earning assets0.6139%5,020
Net interest margin4.0930%2,121
Noninterest income to average assets0.2819%5,611
Noninterest expense to average assets2.7488%4,245
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.4699%4,961
Return on assets (ROA)0.4699%5,152
Pretax return on assets0.5874%5,156
Return on Equity (ROE)3.6710%5,439
Retained earnings to average equity (ytd only)0.3671%5,874
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.3944%1,886
Assets per employee ($millions)5.8050%1,430
Cash dividends to net income (ytd only)*90.0000%671
Condition Ratios (%)
Loss allowance to loans2.0031%2,343
Loan loss allowance to noncurrent loans44.0847%5,400
Noncurrent assets plus other real estate owned to assets2.4002%2,467
Noncurrent loans to loans4.5437%1,270
Net loans and leases to total assets49.7244%5,343
Net loans and leases to deposits57.3287%5,456
Net loans and leases to core deposits61.9332%5,338
Total domestic deposits to total assets86.7356%3,098
Equity capital to assets12.5237%1,708
Core capital (leverage) ratio12.3870%1,392
Tier 1 risk-based capital ratio19.4221%1,862
Total risk-based capital ratio20.6776%1,829
Memoranda:
Average total assets$34,051,0006,841
Average earning assets$25,409,5006,968
Average equity$4,358,5006,618
Average total loans$17,700,5006,722
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2509%1,869
Cost of funding earning assets0.8131%4,763
Net interest margin4.4378%1,294
Noninterest income to average assets0.2230%5,934
Noninterest expense to average assets2.7223%4,658
Loan and lease loss provision to assets0.0743%5,682
Net operating income to assets0.6225%3,876
Return on assets (ROA)0.6225%4,075
Pretax return on assets0.8238%3,899
Return on Equity (ROE)4.7784%4,490
Retained earnings to average equity (ytd only)3.9226%3,418
Net charge-offs to loans0.1851%4,664
Credit loss provision to net charge-offs72.7273%4,744
Earnings coverage of net charge-offs (x)8.7879%2,091
Efficiency ratio75.1925%3,034
Assets per employee ($millions)5.5453%1,589
Cash dividends to net income (ytd only)*17.9104%3,618
Condition Ratios (%)
Loss allowance to loans1.9968%2,293
Loan loss allowance to noncurrent loans30.0765%6,195
Noncurrent assets plus other real estate owned to assets3.6367%1,615
Noncurrent loans to loans6.6392%695
Net loans and leases to total assets52.2181%5,278
Net loans and leases to deposits60.6444%5,420
Net loans and leases to core deposits65.7981%5,270
Total domestic deposits to total assets86.1054%3,257
Equity capital to assets13.0891%1,445
Core capital (leverage) ratio12.7040%1,266
Tier 1 risk-based capital ratio19.6626%1,709
Total risk-based capital ratio20.9160%1,677
Memoranda:
Average total assets$32,288,8006,911
Average earning assets$24,719,4007,021
Average equity$4,206,4006,700
Average total loans$17,828,0006,760
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3093%1,819
Cost of funding earning assets0.8408%4,846
Net interest margin4.4685%1,220
Noninterest income to average assets0.2413%5,897
Noninterest expense to average assets2.6922%4,758
Loan and lease loss provision to assets0.0915%5,311
Net operating income to assets0.6865%3,686
Return on assets (ROA)0.6865%3,858
Pretax return on assets0.9071%3,732
Return on Equity (ROE)5.2765%4,405
Retained earnings to average equity (ytd only)4.1254%3,794
Net charge-offs to loans0.2241%4,036
Credit loss provision to net charge-offs73.3333%4,372
Earnings coverage of net charge-offs (x)7.9998%2,263
Efficiency ratio72.9425%3,375
Assets per employee ($millions)5.3650%1,742
Cash dividends to net income (ytd only)*21.8192%2,851
Condition Ratios (%)
Loss allowance to loans2.0465%2,217
Loan loss allowance to noncurrent loans49.4429%5,052
Noncurrent assets plus other real estate owned to assets2.3330%2,749
Noncurrent loans to loans4.1390%1,593
Net loans and leases to total assets52.7866%5,351
Net loans and leases to deposits61.6032%5,453
Net loans and leases to core deposits67.0613%5,300
Total domestic deposits to total assets85.6881%3,394
Equity capital to assets13.4731%1,384
Core capital (leverage) ratio12.9139%1,258
Tier 1 risk-based capital ratio19.1698%1,880
Total risk-based capital ratio20.4253%1,849
Memoranda:
Average total assets$32,043,0006,984
Average earning assets$24,735,7507,092
Average equity$4,169,2506,762
Average total loans$17,853,0006,828
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2586%2,033
Cost of funding earning assets0.8632%4,962
Net interest margin4.3954%1,382
Noninterest income to average assets0.2688%5,721
Noninterest expense to average assets2.7818%4,497
Loan and lease loss provision to assets0.0750%5,372
Net operating income to assets0.6626%3,729
Return on assets (ROA)0.6626%3,851
Pretax return on assets0.8814%3,702
Return on Equity (ROE)5.1540%4,380
Retained earnings to average equity (ytd only)3.4036%4,094
Net charge-offs to loans-0.0111%6,704
Credit loss provision to net charge-offs-1,200.0000%6,616
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.4147%3,286
Assets per employee ($millions)5.4785%1,590
Cash dividends to net income (ytd only)*33.9623%2,316
Condition Ratios (%)
Loss allowance to loans2.1592%1,999
Loan loss allowance to noncurrent loans38.9061%5,722
Noncurrent assets plus other real estate owned to assets3.0483%2,204
Noncurrent loans to loans5.5498%1,133
Net loans and leases to total assets51.9698%5,565
Net loans and leases to deposits60.1684%5,712
Net loans and leases to core deposits65.3820%5,575
Total domestic deposits to total assets86.3740%3,112
Equity capital to assets12.8350%1,604
Core capital (leverage) ratio12.6878%1,294
Tier 1 risk-based capital ratio18.3512%2,058
Total risk-based capital ratio19.6067%2,010
Memoranda:
Average total assets$31,994,0007,045
Average earning assets$25,253,6707,142
Average equity$4,113,3306,816
Average total loans$18,021,6706,889
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0009%3,102
Cost of funding earning assets0.9121%4,834
Net interest margin4.0888%2,310
Noninterest income to average assets0.3169%5,390
Noninterest expense to average assets3.2578%2,686
Loan and lease loss provision to assets0.0380%5,515
Net operating income to assets0.2408%5,644
Return on assets (ROA)0.2408%5,713
Pretax return on assets0.3169%5,610
Return on Equity (ROE)1.8717%5,833
Retained earnings to average equity (ytd only)-1.6747%6,098
Net charge-offs to loans-0.0219%6,598
Credit loss provision to net charge-offs-300.0000%5,858
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.1754%1,318
Assets per employee ($millions)5.4077%1,657
Cash dividends to net income (ytd only)*189.4737%222
Condition Ratios (%)
Loss allowance to loans2.0771%2,229
Loan loss allowance to noncurrent loans35.0860%5,957
Noncurrent assets plus other real estate owned to assets3.3255%2,048
Noncurrent loans to loans5.9200%1,076
Net loans and leases to total assets53.3255%5,402
Net loans and leases to deposits61.5226%5,567
Net loans and leases to core deposits66.9090%5,415
Total domestic deposits to total assets86.6763%3,132
Equity capital to assets12.5470%1,602
Core capital (leverage) ratio12.3160%1,406
Tier 1 risk-based capital ratio18.0503%2,097
Total risk-based capital ratio19.3073%2,064
Memoranda:
Average total assets$31,555,5007,107
Average earning assets$25,435,5007,187
Average equity$4,060,5006,865
Average total loans$18,302,5006,924
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6733%1,670
Cost of funding earning assets1.1759%4,694
Net interest margin4.4974%1,230
Noninterest income to average assets0.2626%5,911
Noninterest expense to average assets2.6602%5,180
Loan and lease loss provision to assets0.1057%6,088
Net operating income to assets0.9481%2,210
Return on assets (ROA)0.9481%2,335
Pretax return on assets1.2142%2,178
Return on Equity (ROE)7.0138%3,117
Retained earnings to average equity (ytd only)6.1056%1,762
Net charge-offs to loans-0.0226%7,377
Credit loss provision to net charge-offs-775.0000%7,136
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.8380%4,791
Assets per employee ($millions)5.1108%2,000
Cash dividends to net income (ytd only)*12.9496%3,668
Condition Ratios (%)
Loss allowance to loans1.9170%2,513
Loan loss allowance to noncurrent loans112.3839%2,590
Noncurrent assets plus other real estate owned to assets1.1609%4,691
Noncurrent loans to loans1.7057%3,946
Net loans and leases to total assets60.5674%4,569
Net loans and leases to deposits70.4243%4,762
Net loans and leases to core deposits77.0312%4,586
Total domestic deposits to total assets86.0036%3,356
Equity capital to assets13.2072%1,298
Core capital (leverage) ratio13.0487%1,114
Tier 1 risk-based capital ratio17.6434%2,112
Total risk-based capital ratio18.8965%2,077
Memoranda:
Average total assets$29,320,8007,230
Average earning assets$24,236,4007,280
Average equity$3,963,6007,014
Average total loans$17,704,2007,044
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6108%2,026
Cost of funding earning assets1.2063%4,835
Net interest margin4.4045%1,511
Noninterest income to average assets0.2760%5,897
Noninterest expense to average assets2.6956%4,896
Loan and lease loss provision to assets0.0920%6,116
Net operating income to assets0.8740%2,716
Return on assets (ROA)0.8740%2,852
Pretax return on assets1.1500%2,670
Return on Equity (ROE)6.4264%3,609
Retained earnings to average equity (ytd only)5.2088%2,837
Net charge-offs to loans-0.0306%7,408
Credit loss provision to net charge-offs-500.0000%7,020
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.4579%4,381
Assets per employee ($millions)4.9435%2,254
Cash dividends to net income (ytd only)*18.9476%3,007
Condition Ratios (%)
Loss allowance to loans1.9170%2,432
Loan loss allowance to noncurrent loans62.4113%4,177
Noncurrent assets plus other real estate owned to assets2.0127%3,453
Noncurrent loans to loans3.0716%2,599
Net loans and leases to total assets60.7195%4,774
Net loans and leases to deposits71.0650%4,985
Net loans and leases to core deposits78.0295%4,801
Total domestic deposits to total assets85.4422%3,385
Equity capital to assets13.7116%1,275
Core capital (leverage) ratio13.2498%1,132
Tier 1 risk-based capital ratio17.8304%2,067
Total risk-based capital ratio19.0842%2,034
Memoranda:
Average total assets$28,984,7507,332
Average earning assets$24,096,0007,375
Average equity$3,942,0007,107
Average total loans$17,396,2507,153
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6487%1,948
Cost of funding earning assets1.2312%4,953
Net interest margin4.4175%1,405
Noninterest income to average assets0.2712%5,982
Noninterest expense to average assets2.6983%4,916
Loan and lease loss provision to assets0.0695%6,255
Net operating income to assets0.9180%2,483
Return on assets (ROA)0.9180%2,585
Pretax return on assets1.1961%2,429
Return on Equity (ROE)6.7687%3,414
Retained earnings to average equity (ytd only)4.9227%2,947
Net charge-offs to loans-0.0351%7,388
Credit loss provision to net charge-offs-333.3333%6,777
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0702%4,569
Assets per employee ($millions)4.8390%2,391
Cash dividends to net income (ytd only)*27.2727%2,610
Condition Ratios (%)
Loss allowance to loans1.8867%2,449
Loan loss allowance to noncurrent loans59.8246%4,351
Noncurrent assets plus other real estate owned to assets2.0734%3,414
Noncurrent loans to loans3.1537%2,540
Net loans and leases to total assets61.0767%4,863
Net loans and leases to deposits71.4291%5,085
Net loans and leases to core deposits78.5828%4,854
Total domestic deposits to total assets85.5066%3,369
Equity capital to assets13.6633%1,282
Core capital (leverage) ratio13.4448%1,076
Tier 1 risk-based capital ratio17.9111%1,980
Total risk-based capital ratio19.1663%1,949
Memoranda:
Average total assets$28,759,3307,395
Average earning assets$24,041,0007,438
Average equity$3,900,3307,150
Average total loans$17,074,3307,218
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2744%3,671
Cost of funding earning assets1.2645%5,044
Net interest margin4.0099%2,835
Noninterest income to average assets0.3075%5,684
Noninterest expense to average assets2.9348%3,931
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.5590%4,088
Return on assets (ROA)0.5590%4,231
Pretax return on assets0.7407%4,090
Return on Equity (ROE)4.1376%4,828
Retained earnings to average equity (ytd only)0.4138%5,672
Net charge-offs to loans-0.0241%7,120
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.8479%2,585
Assets per employee ($millions)4.8520%2,436
Cash dividends to net income (ytd only)*90.0000%694
Condition Ratios (%)
Loss allowance to loans2.0108%2,157
Loan loss allowance to noncurrent loans45.8856%5,290
Noncurrent assets plus other real estate owned to assets2.7102%2,686
Noncurrent loans to loans4.3821%1,720
Net loans and leases to total assets55.0735%5,878
Net loans and leases to deposits64.1217%6,042
Net loans and leases to core deposits64.1217%6,441
Total domestic deposits to total assets85.8890%3,216
Equity capital to assets13.2797%1,404
Core capital (leverage) ratio12.7772%1,302
Tier 1 risk-based capital ratio18.4647%1,842
Total risk-based capital ratio19.7172%1,809
Memoranda:
Average total assets$28,622,0007,490
Average earning assets$24,040,5007,533
Average equity$3,867,0007,226
Average total loans$16,574,5007,332
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6309%3,436
Cost of funding earning assets1.4422%5,755
Net interest margin4.1887%2,111
Noninterest income to average assets0.2419%6,363
Noninterest expense to average assets2.8557%4,720
Loan and lease loss provision to assets0.1083%6,564
Net operating income to assets0.6679%3,070
Return on assets (ROA)0.6679%3,122
Pretax return on assets0.8953%2,940
Return on Equity (ROE)4.8602%3,732
Retained earnings to average equity (ytd only)3.9145%2,472
Net charge-offs to loans0.0684%6,432
Credit loss provision to net charge-offs272.7273%1,264
Earnings coverage of net charge-offs (x)25.2727%882
Efficiency ratio73.9944%3,894
Assets per employee ($millions)4.6887%2,630
Cash dividends to net income (ytd only)*19.4595%3,672
Condition Ratios (%)
Loss allowance to loans1.9539%2,134
Loan loss allowance to noncurrent loans46.3932%5,294
Noncurrent assets plus other real estate owned to assets2.5132%2,783
Noncurrent loans to loans4.2116%1,731
Net loans and leases to total assets58.5063%5,576
Net loans and leases to deposits68.5306%5,772
Net loans and leases to core deposits82.5633%5,868
Total domestic deposits to total assets85.3725%3,376
Equity capital to assets13.7495%1,238
Core capital (leverage) ratio13.3317%1,148
Tier 1 risk-based capital ratio18.2902%1,818
Total risk-based capital ratio19.5463%1,765
Memoranda:
Average total assets$27,699,0007,563
Average earning assets$23,921,4007,585
Average equity$3,806,4007,353
Average total loans$16,082,8007,402
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6295%3,695
Cost of funding earning assets1.4686%5,962
Net interest margin4.1609%2,172
Noninterest income to average assets0.2416%6,505
Noninterest expense to average assets2.8656%4,589
Loan and lease loss provision to assets0.0870%6,495
Net operating income to assets0.6572%3,369
Return on assets (ROA)0.6572%3,431
Pretax return on assets0.9037%3,215
Return on Equity (ROE)4.7832%4,053
Retained earnings to average equity (ytd only)3.5170%3,325
Net charge-offs to loans-0.0335%7,813
Credit loss provision to net charge-offs-450.0000%7,267
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.3108%3,816
Assets per employee ($millions)4.6518%2,631
Cash dividends to net income (ytd only)*26.4711%3,008
Condition Ratios (%)
Loss allowance to loans2.0436%1,699
Loan loss allowance to noncurrent loans57.7661%4,503
Noncurrent assets plus other real estate owned to assets2.1927%3,105
Noncurrent loans to loans3.5377%2,116
Net loans and leases to total assets56.8450%6,047
Net loans and leases to deposits66.6555%6,245
Net loans and leases to core deposits80.4401%6,313
Total domestic deposits to total assets85.2818%3,083
Equity capital to assets13.8189%1,366
Core capital (leverage) ratio12.8531%1,428
Tier 1 risk-based capital ratio18.6285%1,831
Total risk-based capital ratio19.8845%1,793
Memoranda:
Average total assets$27,590,7507,633
Average earning assets$23,968,5007,656
Average equity$3,791,0007,419
Average total loans$15,906,7507,476
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6985%3,545
Cost of funding earning assets1.4786%6,226
Net interest margin4.2199%1,919
Noninterest income to average assets0.2620%6,402
Noninterest expense to average assets2.7725%5,080
Loan and lease loss provision to assets0.0509%6,718
Net operating income to assets0.8005%2,855
Return on assets (ROA)0.8005%2,949
Pretax return on assets1.1352%2,518
Return on Equity (ROE)5.8371%3,731
Retained earnings to average equity (ytd only)3.9268%3,094
Net charge-offs to loans-0.0253%7,742
Credit loss provision to net charge-offs-350.0000%7,026
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.0368%4,774
Assets per employee ($millions)4.7722%2,362
Cash dividends to net income (ytd only)*32.7273%2,735
Condition Ratios (%)
Loss allowance to loans1.9892%1,591
Loan loss allowance to noncurrent loans37.1930%5,926
Noncurrent assets plus other real estate owned to assets2.9861%2,129
Noncurrent loans to loans5.3484%1,105
Net loans and leases to total assets54.7201%6,360
Net loans and leases to deposits63.6911%6,596
Net loans and leases to core deposits77.0343%6,609
Total domestic deposits to total assets85.9149%2,833
Equity capital to assets13.1841%1,618
Core capital (leverage) ratio13.0421%1,415
Tier 1 risk-based capital ratio19.1092%1,760
Total risk-based capital ratio20.3603%1,712
Memoranda:
Average total assets$27,484,0007,704
Average earning assets$24,076,3307,718
Average equity$3,769,0007,491
Average total loans$15,810,0007,545
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5950%4,390
Cost of funding earning assets1.5095%6,373
Net interest margin4.0855%2,333
Noninterest income to average assets0.2973%6,059
Noninterest expense to average assets3.1364%3,241
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.6689%3,713
Return on assets (ROA)0.6689%3,888
Pretax return on assets0.8621%3,853
Return on Equity (ROE)4.7796%4,561
Retained earnings to average equity (ytd only)0.9559%5,267
Net charge-offs to loans-0.0254%7,507
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.4387%3,098
Assets per employee ($millions)4.5698%2,612
Cash dividends to net income (ytd only)*80.0000%1,064
Condition Ratios (%)
Loss allowance to loans1.9708%1,479
Loan loss allowance to noncurrent loans37.0813%6,081
Noncurrent assets plus other real estate owned to assets3.0490%1,851
Noncurrent loans to loans5.3147%996
Net loans and leases to total assets56.2384%6,205
Net loans and leases to deposits65.8552%6,390
Net loans and leases to core deposits79.6611%6,409
Total domestic deposits to total assets85.3970%3,016
Equity capital to assets13.6511%1,479
Core capital (leverage) ratio13.0433%1,469
Tier 1 risk-based capital ratio19.0617%1,803
Total risk-based capital ratio20.3163%1,761
Memoranda:
Average total assets$26,909,5007,767
Average earning assets$24,379,0007,750
Average equity$3,766,0007,534
Average total loans$15,722,0007,596
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4099%3,363
Cost of funding earning assets2.1107%6,000
Net interest margin4.2992%1,976
Noninterest income to average assets0.2681%6,543
Noninterest expense to average assets2.8584%4,571
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.9423%2,825
Return on assets (ROA)0.9423%2,688
Pretax return on assets1.3365%2,182
Return on Equity (ROE)6.7154%3,666
Retained earnings to average equity (ytd only)5.7038%1,666
Net charge-offs to loans-0.0350%7,989
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.1391%4,702
Assets per employee ($millions)4.4000%2,793
Cash dividends to net income (ytd only)*15.0628%4,570
Condition Ratios (%)
Loss allowance to loans1.9664%1,292
Loan loss allowance to noncurrent loans97.1698%3,542
Noncurrent assets plus other real estate owned to assets1.2045%3,836
Noncurrent loans to loans2.0237%2,735
Net loans and leases to total assets58.3523%6,152
Net loans and leases to deposits68.9539%6,379
Net loans and leases to core deposits86.5401%6,097
Total domestic deposits to total assets84.6250%3,015
Equity capital to assets14.3523%1,336
Core capital (leverage) ratio14.0635%1,247
Tier 1 risk-based capital ratio19.1813%1,773
Total risk-based capital ratio20.4359%1,727
Memoranda:
Average total assets$25,364,0007,830
Average earning assets$23,167,2007,816
Average equity$3,559,0007,657
Average total loans$14,300,4007,689