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Fowler State Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1494%3,582
Cost of funding earning assets0.3702%1,753
Net interest margin2.7792%3,715
Noninterest income to average assets0.2792%3,717
Noninterest expense to average assets1.7591%4,208
Loan and lease loss provision to assets-0.0675%4,431
Net operating income to assets1.0119%2,624
Return on assets (ROA)1.0119%2,699
Pretax return on assets1.2591%2,486
Return on Equity (ROE)7.7075%3,316
Retained earnings to average equity (ytd only)7.4642%1,737
Net charge-offs to loans-0.1572%4,670
Credit loss provision to net charge-offs105.7143%1,743
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.6166%3,212
Assets per employee ($millions)9.7004%728
Cash dividends to net income (ytd only)*3.1560%3,546
Condition Ratios (%)
Loss allowance to loans2.2945%387
Loan loss allowance to noncurrent loans5,109.5238%249
Noncurrent assets plus other real estate owned to assets0.0180%3,959
Noncurrent loans to loans0.0449%3,755
Net loans and leases to total assets39.2518%4,134
Net loans and leases to deposits46.7676%4,058
Net loans and leases to core deposits52.4738%3,857
Total domestic deposits to total assets83.9294%3,583
Equity capital to assets12.7555%975
Core capital (leverage) ratio12.9174%824
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$109,599,2003,896
Average earning assets$105,352,8003,849
Average equity$14,388,6003,699
Average total loans$44,523,2004,097
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1450%3,711
Cost of funding earning assets0.3846%1,824
Net interest margin2.7604%3,864
Noninterest income to average assets0.2743%3,780
Noninterest expense to average assets1.4149%4,673
Loan and lease loss provision to assets-0.0287%4,388
Net operating income to assets1.2209%2,098
Return on assets (ROA)1.2209%2,156
Pretax return on assets1.5397%1,878
Return on Equity (ROE)9.2288%3,030
Retained earnings to average equity (ytd only)9.2288%1,606
Net charge-offs to loans-0.2366%4,789
Credit loss provision to net charge-offs29.4872%1,956
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.3530%4,339
Assets per employee ($millions)9.3407%805
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans2.4896%292
Loan loss allowance to noncurrent loans646.8571%1,117
Noncurrent assets plus other real estate owned to assets0.1561%3,079
Noncurrent loans to loans0.3849%2,404
Net loans and leases to total assets39.5564%4,230
Net loans and leases to deposits47.6445%4,136
Net loans and leases to core deposits53.7913%3,931
Total domestic deposits to total assets83.0241%3,702
Equity capital to assets13.1879%930
Core capital (leverage) ratio13.2652%781
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$107,897,7503,962
Average earning assets$103,655,0003,916
Average equity$14,273,7503,756
Average total loans$43,963,0004,165
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9625%4,111
Cost of funding earning assets0.3950%1,928
Net interest margin2.5675%4,218
Noninterest income to average assets0.2610%3,828
Noninterest expense to average assets1.3728%4,743
Loan and lease loss provision to assets-0.0432%4,502
Net operating income to assets1.1061%2,524
Return on assets (ROA)1.1061%2,588
Pretax return on assets1.3972%2,350
Return on Equity (ROE)8.3520%3,301
Retained earnings to average equity (ytd only)8.3520%1,961
Net charge-offs to loans-0.1841%4,780
Credit loss provision to net charge-offs57.5000%1,572
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.3444%4,208
Assets per employee ($millions)9.1669%811
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans2.3870%318
Loan loss allowance to noncurrent loans1,272.0930%615
Noncurrent assets plus other real estate owned to assets0.0782%3,684
Noncurrent loans to loans0.1876%3,295
Net loans and leases to total assets40.6689%4,263
Net loans and leases to deposits48.7002%4,178
Net loans and leases to core deposits54.3287%4,006
Total domestic deposits to total assets83.5086%3,573
Equity capital to assets13.0769%922
Core capital (leverage) ratio13.0384%792
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$106,501,0003,994
Average earning assets$102,279,3333,948
Average equity$14,104,3333,779
Average total loans$43,460,6674,209
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0322%4,017
Cost of funding earning assets0.4099%2,010
Net interest margin2.6223%4,108
Noninterest income to average assets0.2558%3,867
Noninterest expense to average assets1.1990%4,857
Loan and lease loss provision to assets-0.0802%4,695
Net operating income to assets1.2754%1,902
Return on assets (ROA)1.2754%1,979
Pretax return on assets1.6535%1,597
Return on Equity (ROE)9.5675%2,830
Retained earnings to average equity (ytd only)9.5675%1,774
Net charge-offs to loans0.4542%182
Credit loss provision to net charge-offs-43.7500%2,753
Earnings coverage of net charge-offs (x)8.5833%1,570
Efficiency ratio43.2507%4,616
Assets per employee ($millions)8.9464%853
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans2.3597%327
Loan loss allowance to noncurrent loans237.1765%2,091
Noncurrent assets plus other real estate owned to assets0.3959%2,219
Noncurrent loans to loans0.9949%1,352
Net loans and leases to total assets38.8508%4,389
Net loans and leases to deposits46.2811%4,336
Net loans and leases to core deposits50.8237%4,253
Total domestic deposits to total assets83.9452%3,455
Equity capital to assets13.1608%869
Core capital (leverage) ratio13.5617%731
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$104,750,0004,018
Average earning assets$100,521,0003,973
Average equity$13,964,0003,795
Average total loans$42,275,5004,252
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9698%2,823
Cost of funding earning assets0.7969%1,227
Net interest margin3.1729%3,429
Noninterest income to average assets0.3024%3,664
Noninterest expense to average assets2.0411%4,059
Loan and lease loss provision to assets-0.1806%4,979
Net operating income to assets1.1776%1,622
Return on assets (ROA)1.1905%1,691
Pretax return on assets1.4833%1,396
Return on Equity (ROE)8.3621%2,668
Retained earnings to average equity (ytd only)8.0994%1,025
Net charge-offs to loans-0.5661%4,955
Credit loss provision to net charge-offs69.2623%3,049
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3359%3,257
Assets per employee ($millions)8.5119%892
Cash dividends to net income (ytd only)*3.1418%3,694
Condition Ratios (%)
Loss allowance to loans2.5745%238
Loan loss allowance to noncurrent loans172.8732%2,586
Noncurrent assets plus other real estate owned to assets0.6099%1,732
Noncurrent loans to loans1.4892%895
Net loans and leases to total assets39.9019%4,443
Net loans and leases to deposits46.3058%4,451
Net loans and leases to core deposits50.7376%4,394
Total domestic deposits to total assets86.1704%2,292
Equity capital to assets13.5095%926
Core capital (leverage) ratio13.8866%704
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$93,576,2004,071
Average earning assets$89,224,2004,041
Average equity$13,322,0003,832
Average total loans$43,102,4004,252
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1047%2,663
Cost of funding earning assets0.8868%1,110
Net interest margin3.2179%3,436
Noninterest income to average assets0.3048%3,666
Noninterest expense to average assets1.6390%4,692
Loan and lease loss provision to assets0.0350%3,901
Net operating income to assets1.3488%1,236
Return on assets (ROA)1.3663%1,284
Pretax return on assets1.7163%937
Return on Equity (ROE)9.4624%2,220
Retained earnings to average equity (ytd only)9.4624%872
Net charge-offs to loans-0.1566%4,893
Credit loss provision to net charge-offs-47.0588%3,530
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.6580%4,573
Assets per employee ($millions)8.0797%968
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans2.3745%273
Loan loss allowance to noncurrent loans282.6772%1,699
Noncurrent assets plus other real estate owned to assets0.3930%2,601
Noncurrent loans to loans0.8400%1,753
Net loans and leases to total assets45.6702%4,330
Net loans and leases to deposits54.4817%4,319
Net loans and leases to core deposits59.5946%4,227
Total domestic deposits to total assets83.8267%2,881
Equity capital to assets14.0878%832
Core capital (leverage) ratio14.4301%640
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$91,434,5004,110
Average earning assets$87,051,7504,068
Average equity$13,202,7503,848
Average total loans$43,419,5004,269
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3129%2,442
Cost of funding earning assets0.9826%1,038
Net interest margin3.3302%3,310
Noninterest income to average assets0.3125%3,588
Noninterest expense to average assets1.5782%4,795
Loan and lease loss provision to assets0.0424%3,751
Net operating income to assets1.4759%965
Return on assets (ROA)1.5023%995
Pretax return on assets1.8952%678
Return on Equity (ROE)10.3136%1,877
Retained earnings to average equity (ytd only)10.3136%733
Net charge-offs to loans-0.1590%4,912
Credit loss provision to net charge-offs-55.8824%3,368
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.3205%4,759
Assets per employee ($millions)7.8301%1,032
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans2.3620%266
Loan loss allowance to noncurrent loans181.5835%2,295
Noncurrent assets plus other real estate owned to assets0.6183%1,966
Noncurrent loans to loans1.3008%1,194
Net loans and leases to total assets46.4139%4,343
Net loans and leases to deposits55.4685%4,313
Net loans and leases to core deposits60.2054%4,250
Total domestic deposits to total assets83.6762%2,857
Equity capital to assets14.2687%788
Core capital (leverage) ratio14.6559%627
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$89,594,0004,137
Average earning assets$85,280,0004,096
Average equity$13,050,6673,864
Average total loans$42,773,6674,298
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2184%3,157
Cost of funding earning assets1.0967%1,053
Net interest margin3.1217%4,044
Noninterest income to average assets0.3341%3,526
Noninterest expense to average assets1.4140%4,956
Loan and lease loss provision to assets-0.0092%5,040
Net operating income to assets1.4918%801
Return on assets (ROA)1.4918%874
Pretax return on assets1.8991%570
Return on Equity (ROE)10.1301%1,703
Retained earnings to average equity (ytd only)10.1301%723
Net charge-offs to loans-0.2773%4,973
Credit loss provision to net charge-offs6.8966%2,236
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.7978%4,919
Assets per employee ($millions)7.2840%971
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans2.4977%249
Loan loss allowance to noncurrent loans188.8073%2,159
Noncurrent assets plus other real estate owned to assets0.6235%2,139
Noncurrent loans to loans1.3229%1,228
Net loans and leases to total assets45.9557%4,428
Net loans and leases to deposits54.3125%4,430
Net loans and leases to core deposits59.5723%4,378
Total domestic deposits to total assets84.6135%2,561
Equity capital to assets14.9197%775
Core capital (leverage) ratio15.0546%675
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$87,410,5004,169
Average earning assets$83,160,0004,124
Average equity$12,872,5003,889
Average total loans$41,827,5004,332
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3403%3,416
Cost of funding earning assets1.1166%1,269
Net interest margin3.2237%4,139
Noninterest income to average assets0.3949%3,327
Noninterest expense to average assets2.3191%3,898
Loan and lease loss provision to assets0.0949%2,138
Net operating income to assets0.8555%3,375
Return on assets (ROA)0.8555%3,461
Pretax return on assets1.0394%3,361
Return on Equity (ROE)5.8524%3,960
Retained earnings to average equity (ytd only)5.5317%2,143
Net charge-offs to loans0.8617%189
Credit loss provision to net charge-offs21.9512%3,311
Earnings coverage of net charge-offs (x)2.6233%3,396
Efficiency ratio67.1530%2,595
Assets per employee ($millions)7.2844%941
Cash dividends to net income (ytd only)*5.4795%3,844
Condition Ratios (%)
Loss allowance to loans2.3600%259
Loan loss allowance to noncurrent loans264.3799%1,701
Noncurrent assets plus other real estate owned to assets0.4336%2,659
Noncurrent loans to loans0.8927%1,721
Net loans and leases to total assets47.4243%4,455
Net loans and leases to deposits55.7064%4,468
Net loans and leases to core deposits61.0440%4,387
Total domestic deposits to total assets85.1326%2,443
Equity capital to assets14.5333%921
Core capital (leverage) ratio14.7081%740
Tier 1 risk-based capital ratio24.4648%791
Total risk-based capital ratio25.7219%775
Memoranda:
Average total assets$85,334,0004,212
Average earning assets$80,962,0004,167
Average equity$12,473,6003,940
Average total loans$42,824,2004,343
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3860%3,406
Cost of funding earning assets1.1077%1,318
Net interest margin3.2783%4,130
Noninterest income to average assets0.3930%3,365
Noninterest expense to average assets1.7685%4,856
Loan and lease loss provision to assets0.0880%2,150
Net operating income to assets1.3079%1,821
Return on assets (ROA)1.3079%1,908
Pretax return on assets1.6443%1,487
Return on Equity (ROE)8.9345%2,917
Retained earnings to average equity (ytd only)8.9345%1,069
Net charge-offs to loans0.1678%1,006
Credit loss provision to net charge-offs103.7037%2,179
Earnings coverage of net charge-offs (x)20.4069%1,956
Efficiency ratio50.5164%4,710
Assets per employee ($millions)7.0643%1,003
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans2.9836%133
Loan loss allowance to noncurrent loans116.9231%3,053
Noncurrent assets plus other real estate owned to assets1.3035%931
Noncurrent loans to loans2.5518%446
Net loans and leases to total assets49.5576%4,450
Net loans and leases to deposits58.9339%4,429
Net loans and leases to core deposits65.0758%4,323
Total domestic deposits to total assets84.0903%2,787
Equity capital to assets15.1548%806
Core capital (leverage) ratio15.4884%646
Tier 1 risk-based capital ratio24.7835%779
Total risk-based capital ratio26.0486%766
Memoranda:
Average total assets$84,814,2504,269
Average earning assets$80,405,5004,233
Average equity$12,416,0003,983
Average total loans$42,916,0004,392
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3584%3,460
Cost of funding earning assets1.0741%1,400
Net interest margin3.2844%4,173
Noninterest income to average assets0.4150%3,167
Noninterest expense to average assets1.7659%4,906
Loan and lease loss provision to assets0.1297%1,441
Net operating income to assets1.2991%1,774
Return on assets (ROA)1.2991%1,836
Pretax return on assets1.6339%1,444
Return on Equity (ROE)8.9795%2,866
Retained earnings to average equity (ytd only)8.9795%1,035
Net charge-offs to loans-0.0795%4,957
Credit loss provision to net charge-offs-323.5294%4,055
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.0334%4,781
Assets per employee ($millions)6.8786%1,057
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans3.1004%120
Loan loss allowance to noncurrent loans133.5294%2,829
Noncurrent assets plus other real estate owned to assets1.2357%1,059
Noncurrent loans to loans2.3219%558
Net loans and leases to total assets51.5707%4,381
Net loans and leases to deposits61.2683%4,362
Net loans and leases to core deposits67.8104%4,216
Total domestic deposits to total assets84.1719%2,790
Equity capital to assets15.2018%769
Core capital (leverage) ratio15.2199%665
Tier 1 risk-based capital ratio24.1791%827
Total risk-based capital ratio25.4448%809
Memoranda:
Average total assets$84,828,3304,298
Average earning assets$80,442,0004,257
Average equity$12,272,3304,008
Average total loans$42,787,0004,429
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3204%3,497
Cost of funding earning assets1.0200%1,480
Net interest margin3.3004%4,160
Noninterest income to average assets0.4048%3,152
Noninterest expense to average assets1.4982%5,172
Loan and lease loss provision to assets0.2280%679
Net operating income to assets1.4051%1,363
Return on assets (ROA)1.4051%1,389
Pretax return on assets1.8099%962
Return on Equity (ROE)9.9551%2,391
Retained earnings to average equity (ytd only)9.9551%1,045
Net charge-offs to loans-0.1611%5,139
Credit loss provision to net charge-offs-288.2353%3,705
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.3684%5,155
Assets per employee ($millions)7.2223%907
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans3.1160%118
Loan loss allowance to noncurrent loans54.5455%4,180
Noncurrent assets plus other real estate owned to assets2.8684%224
Noncurrent loans to loans5.7127%85
Net loans and leases to total assets48.6466%4,547
Net loans and leases to deposits56.9705%4,551
Net loans and leases to core deposits63.8107%4,391
Total domestic deposits to total assets85.3891%2,533
Equity capital to assets14.1817%979
Core capital (leverage) ratio14.3840%849
Tier 1 risk-based capital ratio23.3674%899
Total risk-based capital ratio24.6325%877
Memoranda:
Average total assets$85,971,0004,326
Average earning assets$81,566,5004,285
Average equity$12,134,5004,043
Average total loans$42,215,5004,487
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0387%3,917
Cost of funding earning assets0.7584%1,743
Net interest margin3.2803%4,306
Noninterest income to average assets0.4588%3,055
Noninterest expense to average assets2.5064%3,596
Loan and lease loss provision to assets-0.0708%5,230
Net operating income to assets0.9897%3,053
Return on assets (ROA)0.9897%3,053
Pretax return on assets1.1502%3,097
Return on Equity (ROE)6.6920%3,939
Retained earnings to average equity (ytd only)6.3501%2,006
Net charge-offs to loans-0.3819%5,325
Credit loss provision to net charge-offs36.8421%3,304
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8978%2,203
Assets per employee ($millions)7.1062%933
Cash dividends to net income (ytd only)*5.1086%3,940
Condition Ratios (%)
Loss allowance to loans3.1530%109
Loan loss allowance to noncurrent loans94.7137%3,511
Noncurrent assets plus other real estate owned to assets1.5972%708
Noncurrent loans to loans3.3289%280
Net loans and leases to total assets46.4667%4,718
Net loans and leases to deposits54.2735%4,739
Net loans and leases to core deposits60.4080%4,612
Total domestic deposits to total assets85.6158%2,388
Equity capital to assets14.0465%955
Core capital (leverage) ratio14.2329%861
Tier 1 risk-based capital ratio24.0577%821
Total risk-based capital ratio25.3228%800
Memoranda:
Average total assets$79,116,0004,440
Average earning assets$75,420,2004,393
Average equity$11,700,6004,060
Average total loans$39,804,2004,557
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0203%3,867
Cost of funding earning assets0.6925%1,883
Net interest margin3.3277%4,205
Noninterest income to average assets0.4812%2,974
Noninterest expense to average assets2.0727%4,603
Loan and lease loss provision to assets-0.0877%5,339
Net operating income to assets1.3509%1,660
Return on assets (ROA)1.3509%1,674
Pretax return on assets1.6757%1,331
Return on Equity (ROE)9.0100%3,082
Retained earnings to average equity (ytd only)9.0100%1,215
Net charge-offs to loans-0.5026%5,400
Credit loss provision to net charge-offs34.2282%2,944
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.6197%4,297
Assets per employee ($millions)6.5587%1,159
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans3.2543%107
Loan loss allowance to noncurrent loans93.1457%3,589
Noncurrent assets plus other real estate owned to assets1.7610%676
Noncurrent loans to loans3.4937%273
Net loans and leases to total assets48.7650%4,678
Net loans and leases to deposits58.0802%4,639
Net loans and leases to core deposits63.6368%4,540
Total domestic deposits to total assets83.9614%2,956
Equity capital to assets15.2724%665
Core capital (leverage) ratio15.4926%599
Tier 1 risk-based capital ratio26.1225%673
Total risk-based capital ratio27.3895%664
Memoranda:
Average total assets$77,576,5004,517
Average earning assets$74,122,5004,464
Average equity$11,631,2504,105
Average total loans$39,526,7504,612
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9805%3,836
Cost of funding earning assets0.6399%1,988
Net interest margin3.3406%4,134
Noninterest income to average assets0.4689%3,042
Noninterest expense to average assets1.9508%4,881
Loan and lease loss provision to assets-0.1114%5,432
Net operating income to assets1.2850%1,842
Return on assets (ROA)1.2850%1,840
Pretax return on assets1.8212%914
Return on Equity (ROE)8.6248%3,204
Retained earnings to average equity (ytd only)8.6248%1,347
Net charge-offs to loans-0.7396%5,473
Credit loss provision to net charge-offs29.4521%2,629
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.2909%4,757
Assets per employee ($millions)6.4207%1,207
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans3.2285%112
Loan loss allowance to noncurrent loans162.3279%2,617
Noncurrent assets plus other real estate owned to assets1.0370%1,447
Noncurrent loans to loans1.9889%760
Net loans and leases to total assets50.4569%4,582
Net loans and leases to deposits60.0012%4,530
Net loans and leases to core deposits65.0253%4,430
Total domestic deposits to total assets84.0930%3,031
Equity capital to assets15.2256%648
Core capital (leverage) ratio15.2560%623
Tier 1 risk-based capital ratio25.9959%674
Total risk-based capital ratio27.2657%657
Memoranda:
Average total assets$77,200,6704,567
Average earning assets$73,760,0004,510
Average equity$11,501,6704,156
Average total loans$39,478,6704,655
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9882%3,647
Cost of funding earning assets0.5744%2,218
Net interest margin3.4138%3,839
Noninterest income to average assets0.4607%3,053
Noninterest expense to average assets1.6564%5,286
Loan and lease loss provision to assets-0.0052%5,398
Net operating income to assets1.5011%1,075
Return on assets (ROA)1.5011%1,077
Pretax return on assets2.0705%498
Return on Equity (ROE)10.1871%2,338
Retained earnings to average equity (ytd only)10.1871%1,106
Net charge-offs to loans-0.7564%5,525
Credit loss provision to net charge-offs1.3514%2,199
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.5063%5,334
Assets per employee ($millions)6.3668%1,273
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans3.3352%102
Loan loss allowance to noncurrent loans165.1890%2,585
Noncurrent assets plus other real estate owned to assets1.0039%1,563
Noncurrent loans to loans2.0190%782
Net loans and leases to total assets48.0648%4,691
Net loans and leases to deposits56.9183%4,651
Net loans and leases to core deposits61.6969%4,570
Total domestic deposits to total assets84.4452%3,131
Equity capital to assets15.0849%651
Core capital (leverage) ratio14.9195%670
Tier 1 risk-based capital ratio26.6542%629
Total risk-based capital ratio27.9241%622
Memoranda:
Average total assets$77,277,0004,620
Average earning assets$73,817,5004,555
Average equity$11,387,0004,212
Average total loans$39,131,5004,722
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7442%4,233
Cost of funding earning assets0.5140%2,219
Net interest margin3.2302%4,357
Noninterest income to average assets0.4127%3,549
Noninterest expense to average assets2.4950%3,801
Loan and lease loss provision to assets0.1032%2,163
Net operating income to assets0.6654%3,749
Return on assets (ROA)0.6654%3,792
Pretax return on assets0.9075%3,900
Return on Equity (ROE)4.5127%4,344
Retained earnings to average equity (ytd only)4.1987%2,647
Net charge-offs to loans-0.0135%4,864
Credit loss provision to net charge-offs-1,560.0000%5,130
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.1698%2,362
Assets per employee ($millions)6.5128%1,202
Cash dividends to net income (ytd only)*6.9583%4,001
Condition Ratios (%)
Loss allowance to loans2.9647%149
Loan loss allowance to noncurrent loans138.0347%2,960
Noncurrent assets plus other real estate owned to assets1.1068%1,370
Noncurrent loans to loans2.1478%690
Net loans and leases to total assets50.0045%4,647
Net loans and leases to deposits58.6030%4,661
Net loans and leases to core deposits63.3439%4,578
Total domestic deposits to total assets85.3275%2,714
Equity capital to assets14.3936%810
Core capital (leverage) ratio14.5102%729
Tier 1 risk-based capital ratio25.2554%706
Total risk-based capital ratio26.5209%695
Memoranda:
Average total assets$75,591,8004,678
Average earning assets$72,379,0004,612
Average equity$11,146,2004,277
Average total loans$37,011,8004,819
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6929%4,335
Cost of funding earning assets0.5053%2,225
Net interest margin3.1876%4,482
Noninterest income to average assets0.4252%3,519
Noninterest expense to average assets1.8412%5,215
Loan and lease loss provision to assets0.0445%3,209
Net operating income to assets1.0994%2,098
Return on assets (ROA)1.0994%2,149
Pretax return on assets1.5921%1,451
Return on Equity (ROE)7.4096%3,439
Retained earnings to average equity (ytd only)7.4096%1,484
Net charge-offs to loans-0.0442%5,129
Credit loss provision to net charge-offs-208.3333%4,638
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.9412%5,018
Assets per employee ($millions)6.3953%1,250
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans3.0096%153
Loan loss allowance to noncurrent loans95.7465%3,604
Noncurrent assets plus other real estate owned to assets1.5624%955
Noncurrent loans to loans3.1433%382
Net loans and leases to total assets48.2090%4,811
Net loans and leases to deposits57.1259%4,812
Net loans and leases to core deposits61.8689%4,717
Total domestic deposits to total assets84.3908%2,961
Equity capital to assets14.8717%756
Core capital (leverage) ratio14.8985%680
Tier 1 risk-based capital ratio26.5184%644
Total risk-based capital ratio27.7871%627
Memoranda:
Average total assets$74,951,5004,741
Average earning assets$71,775,2504,678
Average equity$11,120,5004,327
Average total loans$36,196,2504,890
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6281%4,435
Cost of funding earning assets0.4914%2,245
Net interest margin3.1367%4,585
Noninterest income to average assets0.4250%3,524
Noninterest expense to average assets1.7618%5,353
Loan and lease loss provision to assets-0.0511%5,605
Net operating income to assets1.1835%1,656
Return on assets (ROA)1.1835%1,689
Pretax return on assets1.7188%1,015
Return on Equity (ROE)7.9833%3,042
Retained earnings to average equity (ytd only)7.9833%1,172
Net charge-offs to loans-0.1407%5,509
Credit loss provision to net charge-offs76.0000%2,306
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.3725%5,214
Assets per employee ($millions)6.3614%1,223
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans3.0107%160
Loan loss allowance to noncurrent loans77.8940%4,009
Noncurrent assets plus other real estate owned to assets1.8785%709
Noncurrent loans to loans3.8651%261
Net loans and leases to total assets47.1383%4,873
Net loans and leases to deposits55.6253%4,865
Net loans and leases to core deposits59.4954%4,845
Total domestic deposits to total assets84.7427%2,912
Equity capital to assets14.7150%763
Core capital (leverage) ratio15.2248%591
Tier 1 risk-based capital ratio26.6621%629
Total risk-based capital ratio27.9296%612
Memoranda:
Average total assets$74,354,3304,779
Average earning assets$71,221,6704,721
Average equity$11,023,0004,357
Average total loans$35,546,6704,939
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6323%4,325
Cost of funding earning assets0.4782%2,259
Net interest margin3.1541%4,490
Noninterest income to average assets0.4253%3,476
Noninterest expense to average assets1.4013%5,691
Loan and lease loss provision to assets-0.0600%5,726
Net operating income to assets1.4885%830
Return on assets (ROA)1.4885%859
Pretax return on assets2.1046%408
Return on Equity (ROE)10.0018%1,958
Retained earnings to average equity (ytd only)10.0018%805
Net charge-offs to loans-0.0345%4,997
Credit loss provision to net charge-offs366.6667%693
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.6646%5,677
Assets per employee ($millions)5.6557%1,761
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans3.1145%156
Loan loss allowance to noncurrent loans76.9714%4,056
Noncurrent assets plus other real estate owned to assets1.9490%687
Noncurrent loans to loans4.0463%252
Net loans and leases to total assets46.6678%4,910
Net loans and leases to deposits55.1197%4,871
Net loans and leases to core deposits59.1270%4,823
Total domestic deposits to total assets84.6662%3,234
Equity capital to assets15.0373%650
Core capital (leverage) ratio15.0985%590
Tier 1 risk-based capital ratio27.3819%602
Total risk-based capital ratio28.6500%583
Memoranda:
Average total assets$73,363,0004,842
Average earning assets$70,258,0004,784
Average equity$10,918,0004,402
Average total loans$34,769,5005,007
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5437%4,655
Cost of funding earning assets0.4487%2,547
Net interest margin3.0950%4,737
Noninterest income to average assets0.3673%4,117
Noninterest expense to average assets2.1821%4,819
Loan and lease loss provision to assets0.1789%1,344
Net operating income to assets0.7374%3,605
Return on assets (ROA)0.7374%3,716
Pretax return on assets0.9736%3,571
Return on Equity (ROE)5.0737%4,401
Retained earnings to average equity (ytd only)4.7448%2,517
Net charge-offs to loans0.4419%573
Credit loss provision to net charge-offs89.7260%2,801
Earnings coverage of net charge-offs (x)5.7808%3,290
Efficiency ratio65.4382%3,687
Assets per employee ($millions)5.6309%1,762
Cash dividends to net income (ytd only)*6.4815%4,100
Condition Ratios (%)
Loss allowance to loans3.2558%135
Loan loss allowance to noncurrent loans100.8167%3,612
Noncurrent assets plus other real estate owned to assets1.5054%1,103
Noncurrent loans to loans3.2294%390
Net loans and leases to total assets45.0985%5,065
Net loans and leases to deposits53.0576%5,057
Net loans and leases to core deposits56.9121%5,017
Total domestic deposits to total assets84.9990%3,050
Equity capital to assets14.7264%684
Core capital (leverage) ratio14.6281%665
Tier 1 risk-based capital ratio26.8293%631
Total risk-based capital ratio28.0986%617
Memoranda:
Average total assets$73,233,6004,861
Average earning assets$70,209,6004,803
Average equity$10,643,2004,472
Average total loans$33,037,4005,097
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5489%4,680
Cost of funding earning assets0.4308%2,733
Net interest margin3.1181%4,721
Noninterest income to average assets0.3714%4,121
Noninterest expense to average assets1.6202%5,672
Loan and lease loss provision to assets0.2294%874
Net operating income to assets1.0722%2,107
Return on assets (ROA)1.0722%2,218
Pretax return on assets1.5128%1,670
Return on Equity (ROE)7.4023%3,350
Retained earnings to average equity (ytd only)7.4023%1,440
Net charge-offs to loans0.1058%1,886
Credit loss provision to net charge-offs484.6154%728
Earnings coverage of net charge-offs (x)36.8033%1,303
Efficiency ratio48.1862%5,587
Assets per employee ($millions)5.6466%1,718
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans3.6962%97
Loan loss allowance to noncurrent loans82.3925%4,003
Noncurrent assets plus other real estate owned to assets2.0271%768
Noncurrent loans to loans4.4861%213
Net loans and leases to total assets43.5155%5,225
Net loans and leases to deposits51.3669%5,235
Net loans and leases to core deposits55.3202%5,183
Total domestic deposits to total assets84.7151%2,933
Equity capital to assets14.8380%778
Core capital (leverage) ratio14.8690%660
Tier 1 risk-based capital ratio28.1531%578
Total risk-based capital ratio29.4273%561
Memoranda:
Average total assets$73,241,5004,904
Average earning assets$70,254,7504,840
Average equity$10,609,0004,520
Average total loans$32,765,7505,158
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4903%4,891
Cost of funding earning assets0.4128%2,913
Net interest margin3.0775%4,897
Noninterest income to average assets0.3662%4,136
Noninterest expense to average assets1.4320%5,887
Loan and lease loss provision to assets0.3443%475
Net operating income to assets1.0685%2,092
Return on assets (ROA)1.0685%2,213
Pretax return on assets1.5440%1,543
Return on Equity (ROE)7.4372%3,299
Retained earnings to average equity (ytd only)7.4372%1,415
Net charge-offs to loans0.1594%1,376
Credit loss provision to net charge-offs484.6154%674
Earnings coverage of net charge-offs (x)26.5769%1,485
Efficiency ratio43.1276%5,836
Assets per employee ($millions)5.6132%1,691
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans3.6681%106
Loan loss allowance to noncurrent loans85.4951%3,999
Noncurrent assets plus other real estate owned to assets1.9652%836
Noncurrent loans to loans4.2905%256
Net loans and leases to total assets44.1230%5,225
Net loans and leases to deposits51.8947%5,251
Net loans and leases to core deposits55.8937%5,179
Total domestic deposits to total assets85.0242%2,872
Equity capital to assets14.6565%825
Core capital (leverage) ratio14.6194%691
Tier 1 risk-based capital ratio27.5673%614
Total risk-based capital ratio28.8406%604
Memoranda:
Average total assets$73,186,6704,956
Average earning assets$70,251,6704,878
Average equity$10,514,6704,564
Average total loans$32,631,3305,211
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5898%4,642
Cost of funding earning assets0.3919%3,172
Net interest margin3.1978%4,588
Noninterest income to average assets0.3984%3,844
Noninterest expense to average assets1.2989%6,009
Loan and lease loss provision to assets0.2838%580
Net operating income to assets1.3043%1,241
Return on assets (ROA)1.3043%1,322
Pretax return on assets1.8883%709
Return on Equity (ROE)9.1707%2,330
Retained earnings to average equity (ytd only)9.1707%1,059
Net charge-offs to loans0.2358%867
Credit loss provision to net charge-offs273.6842%900
Earnings coverage of net charge-offs (x)20.9474%1,447
Efficiency ratio37.4214%6,011
Assets per employee ($millions)5.6008%1,747
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans3.5618%124
Loan loss allowance to noncurrent loans94.4580%3,743
Noncurrent assets plus other real estate owned to assets1.6852%1,158
Noncurrent loans to loans3.7707%338
Net loans and leases to total assets43.0998%5,293
Net loans and leases to deposits50.6055%5,308
Net loans and leases to core deposits54.9714%5,188
Total domestic deposits to total assets85.1682%3,055
Equity capital to assets14.4802%840
Core capital (leverage) ratio14.4129%713
Tier 1 risk-based capital ratio27.3371%651
Total risk-based capital ratio28.6077%637
Memoranda:
Average total assets$73,294,5004,991
Average earning assets$70,422,5004,913
Average equity$10,424,5004,592
Average total loans$32,235,5005,264
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4051%5,147
Cost of funding earning assets0.4103%3,046
Net interest margin2.9948%5,152
Noninterest income to average assets0.3500%4,401
Noninterest expense to average assets2.0373%5,383
Loan and lease loss provision to assets0.1764%1,286
Net operating income to assets0.7757%3,441
Return on assets (ROA)0.7757%3,512
Pretax return on assets1.0697%3,189
Return on Equity (ROE)5.4566%4,307
Retained earnings to average equity (ytd only)5.1119%2,341
Net charge-offs to loans0.0397%3,433
Credit loss provision to net charge-offs969.2308%356
Earnings coverage of net charge-offs (x)68.4615%783
Efficiency ratio62.0469%4,595
Assets per employee ($millions)5.6753%1,634
Cash dividends to net income (ytd only)*6.3177%4,154
Condition Ratios (%)
Loss allowance to loans3.5264%126
Loan loss allowance to noncurrent loans127.8093%3,119
Noncurrent assets plus other real estate owned to assets1.1941%1,814
Noncurrent loans to loans2.7591%629
Net loans and leases to total assets41.7531%5,421
Net loans and leases to deposits48.6566%5,456
Net loans and leases to core deposits52.6311%5,387
Total domestic deposits to total assets85.8117%2,729
Equity capital to assets13.9687%940
Core capital (leverage) ratio14.2287%771
Tier 1 risk-based capital ratio27.3224%641
Total risk-based capital ratio28.5926%624
Memoranda:
Average total assets$71,418,6005,057
Average earning assets$69,954,0004,941
Average equity$10,152,8004,635
Average total loans$32,704,6005,269
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3725%5,268
Cost of funding earning assets0.4113%3,109
Net interest margin2.9612%5,286
Noninterest income to average assets0.3539%4,411
Noninterest expense to average assets1.5737%5,993
Loan and lease loss provision to assets0.0207%3,861
Net operating income to assets1.1633%1,783
Return on assets (ROA)1.1633%1,850
Pretax return on assets1.6735%1,177
Return on Equity (ROE)8.1465%2,994
Retained earnings to average equity (ytd only)8.1465%1,190
Net charge-offs to loans-0.2351%6,033
Credit loss provision to net charge-offs-18.9655%4,885
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.1567%5,860
Assets per employee ($millions)5.5082%1,778
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans3.1916%201
Loan loss allowance to noncurrent loans112.2407%3,442
Noncurrent assets plus other real estate owned to assets1.3463%1,736
Noncurrent loans to loans2.8435%647
Net loans and leases to total assets45.8341%5,239
Net loans and leases to deposits53.9962%5,252
Net loans and leases to core deposits58.5831%5,153
Total domestic deposits to total assets84.8839%3,063
Equity capital to assets14.5351%847
Core capital (leverage) ratio14.5552%725
Tier 1 risk-based capital ratio27.7865%635
Total risk-based capital ratio29.0573%617
Memoranda:
Average total assets$70,828,5005,132
Average earning assets$69,700,2505,002
Average equity$10,114,5004,697
Average total loans$32,898,0005,325
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3037%5,431
Cost of funding earning assets0.4090%3,172
Net interest margin2.8947%5,454
Noninterest income to average assets0.3373%4,541
Noninterest expense to average assets1.4057%6,169
Loan and lease loss provision to assets-0.0255%5,988
Net operating income to assets1.2498%1,464
Return on assets (ROA)1.2498%1,526
Pretax return on assets1.8053%890
Return on Equity (ROE)8.8053%2,652
Retained earnings to average equity (ytd only)8.8053%988
Net charge-offs to loans-0.2825%6,104
Credit loss provision to net charge-offs19.5652%3,021
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.1281%6,108
Assets per employee ($millions)6.5188%1,044
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans3.1699%229
Loan loss allowance to noncurrent loans102.3392%3,667
Noncurrent assets plus other real estate owned to assets1.4308%1,746
Noncurrent loans to loans3.0975%627
Net loans and leases to total assets44.7292%5,333
Net loans and leases to deposits52.4351%5,356
Net loans and leases to core deposits57.3682%5,231
Total domestic deposits to total assets85.3041%3,008
Equity capital to assets14.2678%888
Core capital (leverage) ratio14.3277%754
Tier 1 risk-based capital ratio27.9795%639
Total risk-based capital ratio29.2485%635
Memoranda:
Average total assets$70,569,3305,198
Average earning assets$69,436,3305,053
Average equity$10,016,6704,747
Average total loans$32,563,3305,387
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2862%5,478
Cost of funding earning assets0.4013%3,293
Net interest margin2.8849%5,483
Noninterest income to average assets0.3086%4,719
Noninterest expense to average assets1.2171%6,318
Loan and lease loss provision to assets-0.0514%6,161
Net operating income to assets1.3371%1,167
Return on assets (ROA)1.3371%1,238
Pretax return on assets1.9771%614
Return on Equity (ROE)9.4455%2,242
Retained earnings to average equity (ytd only)9.4455%1,055
Net charge-offs to loans-0.0743%5,717
Credit loss provision to net charge-offs150.0000%1,240
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio38.7273%6,289
Assets per employee ($millions)6.4444%1,108
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans3.1038%272
Loan loss allowance to noncurrent loans135.2075%3,001
Noncurrent assets plus other real estate owned to assets1.0538%2,512
Noncurrent loans to loans2.2956%1,075
Net loans and leases to total assets44.4800%5,315
Net loans and leases to deposits51.9936%5,335
Net loans and leases to core deposits57.1856%5,177
Total domestic deposits to total assets85.5490%3,152
Equity capital to assets14.1434%936
Core capital (leverage) ratio14.2202%760
Tier 1 risk-based capital ratio28.0111%648
Total risk-based capital ratio28.0111%714
Memoranda:
Average total assets$70,000,5005,257
Average earning assets$68,772,0005,122
Average equity$9,909,5004,802
Average total loans$32,283,0005,430
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4417%5,444
Cost of funding earning assets0.4149%3,541
Net interest margin3.0267%5,388
Noninterest income to average assets0.3996%4,182
Noninterest expense to average assets2.0482%5,678
Loan and lease loss provision to assets0.3263%600
Net operating income to assets0.7086%3,844
Return on assets (ROA)0.7086%3,964
Pretax return on assets0.9817%3,571
Return on Equity (ROE)5.1074%4,607
Retained earnings to average equity (ytd only)4.7448%2,799
Net charge-offs to loans1.1972%223
Credit loss provision to net charge-offs58.6563%3,314
Earnings coverage of net charge-offs (x)2.3514%4,177
Efficiency ratio61.0278%5,063
Assets per employee ($millions)6.2830%1,193
Cash dividends to net income (ytd only)*7.0994%4,196
Condition Ratios (%)
Loss allowance to loans3.1632%250
Loan loss allowance to noncurrent loans141.8768%2,928
Noncurrent assets plus other real estate owned to assets1.0331%2,678
Noncurrent loans to loans2.2295%1,188
Net loans and leases to total assets44.8714%5,413
Net loans and leases to deposits52.4259%5,454
Net loans and leases to core deposits56.6119%5,345
Total domestic deposits to total assets85.5903%3,036
Equity capital to assets14.1695%907
Core capital (leverage) ratio14.0052%813
Tier 1 risk-based capital ratio29.1837%548
Total risk-based capital ratio30.4542%537
Memoranda:
Average total assets$69,573,6005,310
Average earning assets$67,961,4005,174
Average equity$9,652,6004,829
Average total loans$32,324,2005,470
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3960%5,601
Cost of funding earning assets0.4152%3,627
Net interest margin2.9808%5,542
Noninterest income to average assets0.4171%4,123
Noninterest expense to average assets1.5956%6,290
Loan and lease loss provision to assets0.4305%372
Net operating income to assets0.8896%2,958
Return on assets (ROA)0.8896%3,059
Pretax return on assets1.3029%2,366
Return on Equity (ROE)6.4464%4,005
Retained earnings to average equity (ytd only)6.4464%2,135
Net charge-offs to loans0.3827%1,042
Credit loss provision to net charge-offs241.9355%1,086
Earnings coverage of net charge-offs (x)9.7417%2,632
Efficiency ratio47.9310%6,204
Assets per employee ($millions)5.8106%1,482
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans3.9324%171
Loan loss allowance to noncurrent loans107.6733%3,489
Noncurrent assets plus other real estate owned to assets1.7382%1,720
Noncurrent loans to loans3.6521%635
Net loans and leases to total assets45.7226%5,403
Net loans and leases to deposits53.4746%5,423
Net loans and leases to core deposits57.5875%5,356
Total domestic deposits to total assets85.5035%3,112
Equity capital to assets14.0534%985
Core capital (leverage) ratio14.0329%837
Tier 1 risk-based capital ratio28.2410%632
Total risk-based capital ratio29.5215%608
Memoranda:
Average total assets$69,688,7505,354
Average earning assets$68,078,7505,224
Average equity$9,617,5004,872
Average total loans$32,399,0005,519
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3687%5,683
Cost of funding earning assets0.4137%3,730
Net interest margin2.9549%5,621
Noninterest income to average assets0.4191%4,106
Noninterest expense to average assets1.4266%6,452
Loan and lease loss provision to assets0.1464%1,686
Net operating income to assets1.1826%1,644
Return on assets (ROA)1.1826%1,718
Pretax return on assets1.7366%950
Return on Equity (ROE)8.6220%2,773
Retained earnings to average equity (ytd only)8.6220%1,106
Net charge-offs to loans0.6410%607
Credit loss provision to net charge-offs49.5146%2,801
Earnings coverage of net charge-offs (x)6.3689%2,779
Efficiency ratio43.1049%6,447
Assets per employee ($millions)5.9153%1,341
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans3.3585%264
Loan loss allowance to noncurrent loans123.1868%3,142
Noncurrent assets plus other real estate owned to assets1.2820%2,555
Noncurrent loans to loans2.7263%1,113
Net loans and leases to total assets45.4426%5,421
Net loans and leases to deposits52.9055%5,435
Net loans and leases to core deposits56.6240%5,367
Total domestic deposits to total assets85.8940%3,098
Equity capital to assets13.7313%1,072
Core capital (leverage) ratio14.1024%804
Tier 1 risk-based capital ratio27.5300%668
Total risk-based capital ratio28.8048%653
Memoranda:
Average total assets$69,676,0005,401
Average earning assets$68,157,6705,264
Average equity$9,557,0004,900
Average total loans$32,136,6705,572
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3839%5,684
Cost of funding earning assets0.4141%3,824
Net interest margin2.9698%5,598
Noninterest income to average assets0.4404%3,868
Noninterest expense to average assets1.2460%6,614
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.4604%878
Return on assets (ROA)1.4604%907
Pretax return on assets2.1037%424
Return on Equity (ROE)10.6531%1,799
Retained earnings to average equity (ytd only)10.6531%805
Net charge-offs to loans1.6880%177
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)2.7293%2,812
Efficiency ratio37.1972%6,630
Assets per employee ($millions)5.7949%1,460
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans3.3160%315
Loan loss allowance to noncurrent loans85.1064%4,011
Noncurrent assets plus other real estate owned to assets1.7573%2,001
Noncurrent loans to loans3.8963%700
Net loans and leases to total assets43.6057%5,547
Net loans and leases to deposits50.7923%5,539
Net loans and leases to core deposits53.9076%5,507
Total domestic deposits to total assets85.8511%3,435
Equity capital to assets13.7865%993
Core capital (leverage) ratio13.8720%858
Tier 1 risk-based capital ratio28.1851%632
Total risk-based capital ratio29.4562%615
Memoranda:
Average total assets$69,022,0005,471
Average earning assets$67,614,0005,330
Average equity$9,462,0004,947
Average total loans$31,516,0005,651
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5509%5,533
Cost of funding earning assets0.4541%4,072
Net interest margin3.0969%5,327
Noninterest income to average assets0.6189%2,983
Noninterest expense to average assets2.1975%5,633
Loan and lease loss provision to assets0.1908%1,934
Net operating income to assets0.8723%2,917
Return on assets (ROA)0.8723%3,002
Pretax return on assets1.2699%2,272
Return on Equity (ROE)6.5224%3,817
Retained earnings to average equity (ytd only)6.1412%1,889
Net charge-offs to loans-0.0093%6,007
Credit loss provision to net charge-offs-4,366.6667%6,363
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.0717%5,461
Assets per employee ($millions)5.7088%1,467
Cash dividends to net income (ytd only)*5.8431%4,140
Condition Ratios (%)
Loss allowance to loans3.7039%245
Loan loss allowance to noncurrent loans97.1831%3,687
Noncurrent assets plus other real estate owned to assets1.7619%2,105
Noncurrent loans to loans3.8113%779
Net loans and leases to total assets44.5165%5,627
Net loans and leases to deposits51.6767%5,650
Net loans and leases to core deposits54.8825%5,620
Total domestic deposits to total assets86.1441%3,181
Equity capital to assets13.6297%1,024
Core capital (leverage) ratio13.5706%936
Tier 1 risk-based capital ratio27.4456%643
Total risk-based capital ratio28.7228%630
Memoranda:
Average total assets$68,668,8005,521
Average earning assets$67,390,6005,362
Average equity$9,183,8005,043
Average total loans$32,097,6005,662
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5647%5,538
Cost of funding earning assets0.4626%4,138
Net interest margin3.1020%5,311
Noninterest income to average assets0.6753%2,750
Noninterest expense to average assets1.7115%6,459
Loan and lease loss provision to assets0.0737%3,581
Net operating income to assets1.3021%1,351
Return on assets (ROA)1.3021%1,405
Pretax return on assets1.9347%670
Return on Equity (ROE)9.7823%2,268
Retained earnings to average equity (ytd only)9.7823%834
Net charge-offs to loans-0.3188%6,733
Credit loss provision to net charge-offs-49.3506%5,710
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.0094%6,585
Assets per employee ($millions)5.6951%1,453
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans3.6265%303
Loan loss allowance to noncurrent loans105.1960%3,356
Noncurrent assets plus other real estate owned to assets1.6052%2,543
Noncurrent loans to loans3.4474%1,114
Net loans and leases to total assets44.8735%5,640
Net loans and leases to deposits52.4653%5,676
Net loans and leases to core deposits55.7328%5,645
Total domestic deposits to total assets85.5299%3,480
Equity capital to assets13.8028%1,019
Core capital (leverage) ratio13.8409%906
Tier 1 risk-based capital ratio27.3881%677
Total risk-based capital ratio28.6627%659
Memoranda:
Average total assets$68,709,7505,574
Average earning assets$67,437,7505,420
Average equity$9,145,5005,102
Average total loans$32,204,7505,713
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5700%5,527
Cost of funding earning assets0.4677%4,233
Net interest margin3.1023%5,271
Noninterest income to average assets0.7961%2,204
Noninterest expense to average assets1.3540%6,753
Loan and lease loss provision to assets0.1075%2,998
Net operating income to assets1.6504%683
Return on assets (ROA)1.6504%751
Pretax return on assets2.3797%317
Return on Equity (ROE)12.5529%1,344
Retained earnings to average equity (ytd only)12.5529%425
Net charge-offs to loans-0.4268%6,809
Credit loss provision to net charge-offs-53.6232%5,544
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.2496%6,850
Assets per employee ($millions)5.7106%1,408
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans3.5798%348
Loan loss allowance to noncurrent loans127.5056%2,876
Noncurrent assets plus other real estate owned to assets1.3104%3,158
Noncurrent loans to loans2.8076%1,612
Net loans and leases to total assets45.0042%5,637
Net loans and leases to deposits52.3590%5,655
Net loans and leases to core deposits55.5906%5,633
Total domestic deposits to total assets85.9530%3,397
Equity capital to assets13.6224%1,080
Core capital (leverage) ratio13.6716%916
Tier 1 risk-based capital ratio27.1226%684
Total risk-based capital ratio28.3990%670
Memoranda:
Average total assets$68,832,6705,609
Average earning assets$67,563,3305,457
Average equity$9,049,6705,159
Average total loans$32,332,6705,741
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5448%5,591
Cost of funding earning assets0.4845%4,242
Net interest margin3.0604%5,396
Noninterest income to average assets0.4581%4,066
Noninterest expense to average assets1.2003%6,907
Loan and lease loss provision to assets0.1797%2,064
Net operating income to assets1.5134%837
Return on assets (ROA)1.5134%913
Pretax return on assets2.0816%510
Return on Equity (ROE)11.7211%1,489
Retained earnings to average equity (ytd only)11.7211%738
Net charge-offs to loans-0.7752%6,907
Credit loss provision to net charge-offs-49.2063%5,056
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio34.6734%6,931
Assets per employee ($millions)5.7330%1,456
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans3.4713%426
Loan loss allowance to noncurrent loans133.2941%2,634
Noncurrent assets plus other real estate owned to assets1.2355%3,500
Noncurrent loans to loans2.6042%1,978
Net loans and leases to total assets45.7963%5,457
Net loans and leases to deposits52.9264%5,529
Net loans and leases to core deposits56.1534%5,506
Total domestic deposits to total assets86.5283%3,218
Equity capital to assets13.1330%1,369
Core capital (leverage) ratio12.9564%1,132
Tier 1 risk-based capital ratio25.5255%835
Total risk-based capital ratio26.7985%822
Memoranda:
Average total assets$68,985,5005,658
Average earning assets$67,704,0005,506
Average equity$8,907,0005,243
Average total loans$32,506,5005,774
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6940%6,061
Cost of funding earning assets0.6033%4,315
Net interest margin3.0907%5,839
Noninterest income to average assets0.4855%3,995
Noninterest expense to average assets2.0545%6,226
Loan and lease loss provision to assets0.4855%1,259
Net operating income to assets0.7697%3,415
Return on assets (ROA)0.7697%3,667
Pretax return on assets0.9636%3,687
Return on Equity (ROE)6.0403%4,154
Retained earnings to average equity (ytd only)5.8080%2,189
Net charge-offs to loans0.3319%2,978
Credit loss provision to net charge-offs306.5421%788
Earnings coverage of net charge-offs (x)9.1495%2,301
Efficiency ratio58.6396%5,744
Assets per employee ($millions)5.7646%1,456
Cash dividends to net income (ytd only)*3.8462%4,232
Condition Ratios (%)
Loss allowance to loans3.2094%550
Loan loss allowance to noncurrent loans171.7355%2,108
Noncurrent assets plus other real estate owned to assets0.8746%4,301
Noncurrent loans to loans1.8688%2,836
Net loans and leases to total assets45.2982%5,692
Net loans and leases to deposits52.0178%5,807
Net loans and leases to core deposits54.9024%5,801
Total domestic deposits to total assets87.0820%2,795
Equity capital to assets12.6910%1,595
Core capital (leverage) ratio12.9096%1,144
Tier 1 risk-based capital ratio24.8138%875
Total risk-based capital ratio26.0854%861
Memoranda:
Average total assets$67,560,6005,692
Average earning assets$65,972,2005,555
Average equity$8,608,8005,331
Average total loans$32,243,2005,840
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7463%6,138
Cost of funding earning assets0.6268%4,394
Net interest margin3.1195%5,895
Noninterest income to average assets0.4924%3,972
Noninterest expense to average assets1.6478%6,832
Loan and lease loss provision to assets0.4010%1,597
Net operating income to assets1.1178%2,033
Return on assets (ROA)1.1178%2,226
Pretax return on assets1.4870%1,927
Return on Equity (ROE)8.7629%2,921
Retained earnings to average equity (ytd only)8.7629%1,318
Net charge-offs to loans0.3477%2,710
Credit loss provision to net charge-offs240.4762%1,151
Earnings coverage of net charge-offs (x)11.3212%2,086
Efficiency ratio46.6030%6,790
Assets per employee ($millions)5.5835%1,553
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.0069%706
Loan loss allowance to noncurrent loans250.9383%1,455
Noncurrent assets plus other real estate owned to assets0.5567%5,278
Noncurrent loans to loans1.1983%4,053
Net loans and leases to total assets45.0613%5,865
Net loans and leases to deposits52.2814%5,956
Net loans and leases to core deposits55.2987%5,939
Total domestic deposits to total assets86.1900%3,155
Equity capital to assets13.1907%1,502
Core capital (leverage) ratio13.2182%1,101
Tier 1 risk-based capital ratio25.6518%855
Total risk-based capital ratio26.9192%839
Memoranda:
Average total assets$67,157,0005,769
Average earning assets$65,520,7505,629
Average equity$8,566,2505,392
Average total loans$32,210,5005,917
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7704%6,207
Cost of funding earning assets0.6467%4,474
Net interest margin3.1237%5,935
Noninterest income to average assets0.5208%3,782
Noninterest expense to average assets1.5415%6,980
Loan and lease loss provision to assets0.3452%1,904
Net operating income to assets1.2231%1,631
Return on assets (ROA)1.2231%1,826
Pretax return on assets1.6813%1,311
Return on Equity (ROE)9.6983%2,486
Retained earnings to average equity (ytd only)9.6983%1,059
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.2027%6,983
Assets per employee ($millions)5.5651%1,565
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.8860%878
Loan loss allowance to noncurrent loans154.1254%2,176
Noncurrent assets plus other real estate owned to assets0.9074%4,555
Noncurrent loans to loans1.8725%3,114
Net loans and leases to total assets47.0628%5,718
Net loans and leases to deposits54.4206%5,825
Net loans and leases to core deposits57.5581%5,806
Total domestic deposits to total assets86.4797%3,084
Equity capital to assets12.9693%1,538
Core capital (leverage) ratio12.8813%1,183
Tier 1 risk-based capital ratio24.6057%946
Total risk-based capital ratio25.8737%930
Memoranda:
Average total assets$67,208,6705,806
Average earning assets$65,563,6705,658
Average equity$8,475,6705,428
Average total loans$32,571,3305,931
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6957%6,445
Cost of funding earning assets0.6808%4,454
Net interest margin3.0149%6,259
Noninterest income to average assets0.5221%3,770
Noninterest expense to average assets1.3586%7,142
Loan and lease loss provision to assets0.1068%4,011
Net operating income to assets1.5010%1,015
Return on assets (ROA)1.5010%1,136
Pretax return on assets1.9993%735
Return on Equity (ROE)12.0721%1,663
Retained earnings to average equity (ytd only)12.0721%817
Net charge-offs to loans0.1102%3,471
Credit loss provision to net charge-offs200.0000%1,332
Earnings coverage of net charge-offs (x)39.4444%759
Efficiency ratio39.2123%7,120
Assets per employee ($millions)5.7025%1,521
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.5254%1,317
Loan loss allowance to noncurrent loans258.4375%1,302
Noncurrent assets plus other real estate owned to assets0.4676%5,687
Noncurrent loans to loans0.9772%4,724
Net loans and leases to total assets46.6462%5,712
Net loans and leases to deposits53.5427%5,856
Net loans and leases to core deposits56.4746%5,865
Total domestic deposits to total assets87.1197%2,889
Equity capital to assets12.4244%1,774
Core capital (leverage) ratio12.6124%1,287
Tier 1 risk-based capital ratio23.5748%1,058
Total risk-based capital ratio24.8373%1,041
Memoranda:
Average total assets$67,422,5005,848
Average earning assets$65,807,0005,691
Average equity$8,383,0005,475
Average total loans$32,675,5005,970
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1125%6,260
Cost of funding earning assets0.8607%4,388
Net interest margin3.2518%5,957
Noninterest income to average assets0.5819%3,284
Noninterest expense to average assets1.8827%6,852
Loan and lease loss provision to assets0.7482%1,353
Net operating income to assets0.8498%2,822
Return on assets (ROA)0.8498%2,975
Pretax return on assets1.1207%2,759
Return on Equity (ROE)6.8577%3,461
Retained earnings to average equity (ytd only)6.6092%1,690
Net charge-offs to loans2.0202%679
Credit loss provision to net charge-offs70.5370%4,827
Earnings coverage of net charge-offs (x)1.7620%4,458
Efficiency ratio50.1847%6,824
Assets per employee ($millions)5.5346%1,600
Cash dividends to net income (ytd only)*3.6232%4,010
Condition Ratios (%)
Loss allowance to loans2.5089%1,304
Loan loss allowance to noncurrent loans120.1175%2,601
Noncurrent assets plus other real estate owned to assets1.0254%4,562
Noncurrent loans to loans2.0887%3,080
Net loans and leases to total assets47.8597%5,836
Net loans and leases to deposits54.8744%5,988
Net loans and leases to core deposits57.3403%6,053
Total domestic deposits to total assets87.2167%2,635
Equity capital to assets12.4430%1,826
Core capital (leverage) ratio12.3612%1,410
Tier 1 risk-based capital ratio23.3998%1,047
Total risk-based capital ratio24.6630%1,023
Memoranda:
Average total assets$64,959,4005,897
Average earning assets$63,318,6005,758
Average equity$8,049,4005,557
Average total loans$34,105,4005,946
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1423%6,328
Cost of funding earning assets0.9047%4,364
Net interest margin3.2376%6,054
Noninterest income to average assets0.5903%3,230
Noninterest expense to average assets1.6038%7,167
Loan and lease loss provision to assets0.6626%1,461
Net operating income to assets1.0754%2,058
Return on assets (ROA)1.0754%2,202
Pretax return on assets1.4779%1,710
Return on Equity (ROE)8.6877%2,749
Retained earnings to average equity (ytd only)8.6877%1,253
Net charge-offs to loans1.1446%1,381
Credit loss provision to net charge-offs108.4459%3,047
Earnings coverage of net charge-offs (x)3.5033%3,414
Efficiency ratio42.8335%7,181
Assets per employee ($millions)5.4725%1,631
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.0457%833
Loan loss allowance to noncurrent loans64.2506%4,246
Noncurrent assets plus other real estate owned to assets2.4791%2,596
Noncurrent loans to loans4.7403%1,355
Net loans and leases to total assets50.7050%5,615
Net loans and leases to deposits58.3817%5,809
Net loans and leases to core deposits61.4139%5,866
Total domestic deposits to total assets86.8509%2,745
Equity capital to assets12.5826%1,863
Core capital (leverage) ratio12.4596%1,456
Tier 1 risk-based capital ratio22.6154%1,201
Total risk-based capital ratio23.8844%1,176
Memoranda:
Average total assets$64,595,5005,954
Average earning assets$62,926,0005,810
Average equity$7,995,7505,604
Average total loans$34,480,7505,995
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1312%6,419
Cost of funding earning assets0.9330%4,437
Net interest margin3.1982%6,166
Noninterest income to average assets0.5853%3,230
Noninterest expense to average assets1.5879%7,256
Loan and lease loss provision to assets0.6258%1,530
Net operating income to assets1.0835%1,920
Return on assets (ROA)1.0835%2,017
Pretax return on assets1.4882%1,566
Return on Equity (ROE)8.8027%2,596
Retained earnings to average equity (ytd only)8.8027%1,176
Net charge-offs to loans0.0811%4,830
Credit loss provision to net charge-offs1,435.7143%245
Earnings coverage of net charge-offs (x)48.5000%639
Efficiency ratio42.8932%7,275
Assets per employee ($millions)5.4531%1,610
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.4945%598
Loan loss allowance to noncurrent loans46.6409%5,220
Noncurrent assets plus other real estate owned to assets3.9580%1,626
Noncurrent loans to loans7.4923%637
Net loans and leases to total assets50.9819%5,698
Net loans and leases to deposits58.5106%5,876
Net loans and leases to core deposits60.9823%6,004
Total domestic deposits to total assets87.1327%2,665
Equity capital to assets12.3615%1,866
Core capital (leverage) ratio12.4344%1,395
Tier 1 risk-based capital ratio22.2915%1,215
Total risk-based capital ratio23.5664%1,185
Memoranda:
Average total assets$64,237,3306,006
Average earning assets$62,597,0005,872
Average equity$7,906,6705,643
Average total loans$34,526,3306,049
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9975%6,704
Cost of funding earning assets0.9493%4,573
Net interest margin3.0482%6,464
Noninterest income to average assets0.5720%3,356
Noninterest expense to average assets1.4143%7,410
Loan and lease loss provision to assets0.6034%1,425
Net operating income to assets1.0874%1,884
Return on assets (ROA)1.0874%1,929
Pretax return on assets1.5211%1,385
Return on Equity (ROE)8.8542%2,530
Retained earnings to average equity (ytd only)8.8542%1,425
Net charge-offs to loans-0.1391%7,180
Credit loss provision to net charge-offs-800.0000%6,069
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.9645%7,390
Assets per employee ($millions)5.3559%1,708
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.2795%725
Loan loss allowance to noncurrent loans42.9931%5,436
Noncurrent assets plus other real estate owned to assets4.0858%1,635
Noncurrent loans to loans7.6280%677
Net loans and leases to total assets51.8072%5,607
Net loans and leases to deposits59.4016%5,778
Net loans and leases to core deposits61.9525%5,934
Total domestic deposits to total assets87.2151%2,819
Equity capital to assets12.2933%1,742
Core capital (leverage) ratio12.3521%1,387
Tier 1 risk-based capital ratio22.1100%1,210
Total risk-based capital ratio23.3829%1,182
Memoranda:
Average total assets$63,637,5006,074
Average earning assets$61,939,0005,939
Average equity$7,815,5005,675
Average total loans$34,505,0006,104
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2013%6,919
Cost of funding earning assets1.1546%4,822
Net interest margin3.0467%6,646
Noninterest income to average assets0.6048%3,445
Noninterest expense to average assets2.0466%6,950
Loan and lease loss provision to assets0.5432%2,970
Net operating income to assets0.7564%2,970
Return on assets (ROA)0.7564%3,093
Pretax return on assets0.9570%3,079
Return on Equity (ROE)6.2973%3,452
Retained earnings to average equity (ytd only)5.9029%1,878
Net charge-offs to loans1.0742%2,065
Credit loss provision to net charge-offs93.9891%4,943
Earnings coverage of net charge-offs (x)2.5956%3,801
Efficiency ratio57.7026%6,374
Assets per employee ($millions)5.2503%1,803
Cash dividends to net income (ytd only)*6.2630%3,850
Condition Ratios (%)
Loss allowance to loans2.9522%906
Loan loss allowance to noncurrent loans63.2198%4,240
Noncurrent assets plus other real estate owned to assets2.5633%2,713
Noncurrent loans to loans4.6698%1,496
Net loans and leases to total assets53.2712%5,744
Net loans and leases to deposits61.0015%5,952
Net loans and leases to core deposits63.2488%6,123
Total domestic deposits to total assets87.3278%2,649
Equity capital to assets12.2691%1,760
Core capital (leverage) ratio12.0691%1,498
Tier 1 risk-based capital ratio21.8658%1,196
Total risk-based capital ratio23.1359%1,171
Memoranda:
Average total assets$63,326,0006,080
Average earning assets$61,147,8005,953
Average equity$7,606,4005,841
Average total loans$34,072,6006,204
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2219%7,064
Cost of funding earning assets1.1498%5,151
Net interest margin3.0721%6,680
Noninterest income to average assets0.6056%3,405
Noninterest expense to average assets1.6465%7,471
Loan and lease loss provision to assets0.2776%4,358
Net operating income to assets1.1965%1,604
Return on assets (ROA)1.1965%1,683
Pretax return on assets1.6423%1,234
Return on Equity (ROE)10.0145%2,114
Retained earnings to average equity (ytd only)10.0145%789
Net charge-offs to loans1.1430%1,782
Credit loss provision to net charge-offs45.3608%5,954
Earnings coverage of net charge-offs (x)3.1375%3,573
Efficiency ratio46.1675%7,377
Assets per employee ($millions)5.3490%1,767
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.4763%1,364
Loan loss allowance to noncurrent loans79.3537%3,400
Noncurrent assets plus other real estate owned to assets1.7355%3,838
Noncurrent loans to loans3.1205%2,557
Net loans and leases to total assets54.2391%5,814
Net loans and leases to deposits62.3377%6,085
Net loans and leases to core deposits64.5811%6,250
Total domestic deposits to total assets87.0085%2,526
Equity capital to assets12.2313%2,019
Core capital (leverage) ratio12.1061%1,612
Tier 1 risk-based capital ratio21.3456%1,307
Total risk-based capital ratio22.6102%1,284
Memoranda:
Average total assets$63,406,5006,148
Average earning assets$61,108,0006,023
Average equity$7,575,5005,919
Average total loans$33,944,7506,293
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4031%6,894
Cost of funding earning assets1.2449%4,867
Net interest margin3.1583%6,436
Noninterest income to average assets0.5891%3,421
Noninterest expense to average assets1.6786%7,515
Loan and lease loss provision to assets0.2502%4,421
Net operating income to assets1.2036%1,550
Return on assets (ROA)1.2036%1,622
Pretax return on assets1.6977%1,063
Return on Equity (ROE)10.1554%2,045
Retained earnings to average equity (ytd only)10.1554%814
Net charge-offs to loans-0.0839%7,530
Credit loss provision to net charge-offs-564.2857%6,840
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.2882%7,427
Assets per employee ($millions)4.6357%2,671
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.1813%715
Loan loss allowance to noncurrent loans85.2213%3,197
Noncurrent assets plus other real estate owned to assets2.0539%3,442
Noncurrent loans to loans3.7330%2,084
Net loans and leases to total assets53.2712%6,082
Net loans and leases to deposits60.8755%6,326
Net loans and leases to core deposits62.7391%6,492
Total domestic deposits to total assets87.5085%2,250
Equity capital to assets11.8120%2,216
Core capital (leverage) ratio12.1334%1,575
Tier 1 risk-based capital ratio20.4347%1,444
Total risk-based capital ratio21.7069%1,405
Memoranda:
Average total assets$63,146,0006,203
Average earning assets$60,729,3306,074
Average equity$7,483,6705,977
Average total loans$33,360,0006,366
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4423%6,917
Cost of funding earning assets1.3187%4,700
Net interest margin3.1236%6,537
Noninterest income to average assets0.5203%3,891
Noninterest expense to average assets1.4325%7,746
Loan and lease loss provision to assets0.0385%6,293
Net operating income to assets1.3875%1,101
Return on assets (ROA)1.3875%1,178
Pretax return on assets2.0620%544
Return on Equity (ROE)11.6875%1,590
Retained earnings to average equity (ytd only)11.6875%801
Net charge-offs to loans-0.1740%7,647
Credit loss provision to net charge-offs-42.8571%6,002
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.5455%7,716
Assets per employee ($millions)4.7685%2,548
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.3100%628
Loan loss allowance to noncurrent loans101.1418%2,749
Noncurrent assets plus other real estate owned to assets1.8277%3,738
Noncurrent loans to loans3.2726%2,437
Net loans and leases to total assets50.0920%6,456
Net loans and leases to deposits57.4250%6,661
Net loans and leases to core deposits59.2731%6,800
Total domestic deposits to total assets87.2302%2,516
Equity capital to assets12.0939%1,992
Core capital (leverage) ratio11.9871%1,657
Tier 1 risk-based capital ratio21.3815%1,290
Total risk-based capital ratio22.6535%1,258
Memoranda:
Average total assets$62,269,0006,297
Average earning assets$60,059,0006,167
Average equity$7,392,5006,061
Average total loans$32,185,5006,509
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5843%7,299
Cost of funding earning assets1.9272%3,322
Net interest margin2.6571%7,268
Noninterest income to average assets0.5693%3,869
Noninterest expense to average assets1.9638%7,423
Loan and lease loss provision to assets0.0165%7,334
Net operating income to assets0.8845%2,229
Return on assets (ROA)0.8845%2,299
Pretax return on assets1.1601%2,062
Return on Equity (ROE)7.5785%2,548
Retained earnings to average equity (ytd only)7.1544%916
Net charge-offs to loans0.6078%3,396
Credit loss provision to net charge-offs5.5249%6,991
Earnings coverage of net charge-offs (x)3.9392%3,131
Efficiency ratio62.5328%6,050
Assets per employee ($millions)4.8114%2,465
Cash dividends to net income (ytd only)*5.5970%3,953
Condition Ratios (%)
Loss allowance to loans3.2335%644
Loan loss allowance to noncurrent loans124.6117%2,267
Noncurrent assets plus other real estate owned to assets1.4693%4,190
Noncurrent loans to loans2.5949%2,961
Net loans and leases to total assets49.9025%6,654
Net loans and leases to deposits56.8305%6,865
Net loans and leases to core deposits76.0736%6,395
Total domestic deposits to total assets87.8094%2,070
Equity capital to assets11.6519%2,217
Core capital (leverage) ratio11.3268%2,019
Tier 1 risk-based capital ratio20.5905%1,363
Total risk-based capital ratio21.8602%1,325
Memoranda:
Average total assets$60,597,2006,323
Average earning assets$58,634,6006,193
Average equity$7,072,6006,249
Average total loans$29,779,8006,638
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5952%7,423
Cost of funding earning assets2.0454%3,139
Net interest margin2.5498%7,404
Noninterest income to average assets0.5944%3,755
Noninterest expense to average assets1.6458%7,802
Loan and lease loss provision to assets0.0111%7,222
Net operating income to assets1.0403%1,936
Return on assets (ROA)1.0403%1,995
Pretax return on assets1.4041%1,683
Return on Equity (ROE)8.9093%2,301
Retained earnings to average equity (ytd only)8.9093%868
Net charge-offs to loans0.2240%4,646
Credit loss provision to net charge-offs10.2041%6,617
Earnings coverage of net charge-offs (x)13.0208%1,709
Efficiency ratio53.7681%7,263
Assets per employee ($millions)4.7008%2,557
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans3.8339%329
Loan loss allowance to noncurrent loans118.1818%2,401
Noncurrent assets plus other real estate owned to assets2.0111%3,328
Noncurrent loans to loans3.2441%2,333
Net loans and leases to total assets48.0225%6,955
Net loans and leases to deposits55.0022%7,147
Net loans and leases to core deposits74.7352%6,684
Total domestic deposits to total assets87.3100%2,010
Equity capital to assets11.8735%2,309
Core capital (leverage) ratio11.8411%1,875
Tier 1 risk-based capital ratio21.4330%1,298
Total risk-based capital ratio22.7110%1,269
Memoranda:
Average total assets$60,109,5006,385
Average earning assets$58,146,0006,247
Average equity$7,018,7506,313
Average total loans$29,160,7506,730
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6658%7,436
Cost of funding earning assets2.1236%3,170
Net interest margin2.5422%7,423
Noninterest income to average assets0.5989%3,705
Noninterest expense to average assets1.5960%7,917
Loan and lease loss provision to assets0.0134%7,083
Net operating income to assets1.0138%2,058
Return on assets (ROA)1.0138%2,150
Pretax return on assets1.4487%1,593
Return on Equity (ROE)8.7324%2,455
Retained earnings to average equity (ytd only)8.7324%1,000
Net charge-offs to loans0.4598%2,988
Credit loss provision to net charge-offs6.0606%6,211
Earnings coverage of net charge-offs (x)6.6212%2,585
Efficiency ratio52.1882%7,504
Assets per employee ($millions)4.3546%3,016
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans3.9291%277
Loan loss allowance to noncurrent loans288.0000%1,083
Noncurrent assets plus other real estate owned to assets1.0646%4,838
Noncurrent loans to loans1.3643%4,487
Net loans and leases to total assets46.2043%7,181
Net loans and leases to deposits52.7303%7,342
Net loans and leases to core deposits71.2465%6,951
Total domestic deposits to total assets87.6238%1,958
Equity capital to assets11.6282%2,446
Core capital (leverage) ratio11.6436%2,008
Tier 1 risk-based capital ratio21.6554%1,309
Total risk-based capital ratio22.9345%1,272
Memoranda:
Average total assets$59,775,6706,456
Average earning assets$57,825,0006,320
Average equity$6,939,6706,391
Average total loans$28,708,6706,809
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8173%7,344
Cost of funding earning assets2.1954%3,188
Net interest margin2.6219%7,335
Noninterest income to average assets0.5948%3,582
Noninterest expense to average assets1.3383%8,063
Loan and lease loss provision to assets0.0541%6,288
Net operating income to assets1.1490%1,806
Return on assets (ROA)1.1490%1,930
Pretax return on assets1.7370%1,105
Return on Equity (ROE)9.9053%2,356
Retained earnings to average equity (ytd only)9.9053%1,217
Net charge-offs to loans1.3238%1,059
Credit loss provision to net charge-offs8.5106%5,211
Earnings coverage of net charge-offs (x)2.8191%3,368
Efficiency ratio42.7646%7,975
Assets per employee ($millions)4.2667%3,134
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans3.9550%232
Loan loss allowance to noncurrent loans192.4915%1,716
Noncurrent assets plus other real estate owned to assets1.5988%3,516
Noncurrent loans to loans2.0546%3,188
Net loans and leases to total assets45.8583%7,200
Net loans and leases to deposits52.2428%7,390
Net loans and leases to core deposits69.3792%7,057
Total domestic deposits to total assets87.7792%1,856
Equity capital to assets11.6316%2,493
Core capital (leverage) ratio11.8031%1,997
Tier 1 risk-based capital ratio21.7647%1,327
Total risk-based capital ratio23.0432%1,294
Memoranda:
Average total assets$59,181,5006,502
Average earning assets$57,211,0006,369
Average equity$6,865,0006,454
Average total loans$28,403,0006,856
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6733%6,857
Cost of funding earning assets2.7621%2,868
Net interest margin2.9112%7,132
Noninterest income to average assets0.6536%3,447
Noninterest expense to average assets2.5209%5,930
Loan and lease loss provision to assets0.8139%1,825
Net operating income to assets0.1116%6,080
Return on assets (ROA)0.1116%5,915
Pretax return on assets0.1314%5,881
Return on Equity (ROE)0.8950%5,950
Retained earnings to average equity (ytd only)0.3898%5,004
Net charge-offs to loans0.6253%1,967
Credit loss provision to net charge-offs282.5000%1,614
Earnings coverage of net charge-offs (x)3.2813%4,448
Efficiency ratio72.7273%3,807
Assets per employee ($millions)4.1878%3,143
Cash dividends to net income (ytd only)*56.4516%2,825
Condition Ratios (%)
Loss allowance to loans4.2920%156
Loan loss allowance to noncurrent loans71.9194%4,471
Noncurrent assets plus other real estate owned to assets3.2544%1,400
Noncurrent loans to loans5.9678%604
Net loans and leases to total assets46.1734%7,315
Net loans and leases to deposits52.5334%7,510
Net loans and leases to core deposits67.5744%7,305
Total domestic deposits to total assets87.8934%1,516
Equity capital to assets11.5677%2,591
Core capital (leverage) ratio11.8182%2,070
Tier 1 risk-based capital ratio21.6925%1,356
Total risk-based capital ratio22.9764%1,313
Memoranda:
Average total assets$55,534,8006,551
Average earning assets$53,654,6006,430
Average equity$6,927,2006,483
Average total loans$25,586,4006,990