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Frederick Community Bank, The, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6483%2,788
Cost of funding earning assets0.6116%4,051
Net interest margin4.0367%1,148
Noninterest income to average assets0.3900%2,564
Noninterest expense to average assets2.0947%3,419
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets2.1506%369
Return on assets (ROA)1.6362%785
Pretax return on assets1.6388%1,168
Return on Equity (ROE)19.6500%644
Retained earnings to average equity (ytd only)8.0407%1,527
Net charge-offs to loans0.0039%2,605
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)1,336.6667%116
Efficiency ratio49.3111%4,023
Assets per employee ($millions)6.5277%2,400
Cash dividends to net income (ytd only)*59.0745%1,228
Condition Ratios (%)
Loss allowance to loans1.0036%3,287
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 assets42.4200%3,952
Net loans and leases to deposits46.7944%4,025
Net loans and leases to core deposits49.2481%4,098
Total domestic deposits to total assets90.6400%595
Equity capital to assets9.1531%2,576
Core capital (leverage) ratio9.5333%3,229
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.1003%778
Memoranda:
Average total assets$186,229,4003,082
Average earning assets$178,065,0003,027
Average equity$15,508,6003,219
Average total loans$77,743,4003,443
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5362%2,830
Cost of funding earning assets0.5525%4,056
Net interest margin3.9837%1,250
Noninterest income to average assets0.3800%2,609
Noninterest expense to average assets2.0058%3,582
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets2.1876%381
Return on assets (ROA)1.7239%752
Pretax return on assets1.7290%1,118
Return on Equity (ROE)21.2400%617
Retained earnings to average equity (ytd only)9.7247%1,485
Net charge-offs to loans0.0035%2,383
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)1,525.0000%95
Efficiency ratio47.7740%4,061
Assets per employee ($millions)6.7784%2,118
Cash dividends to net income (ytd only)*54.2118%1,110
Condition Ratios (%)
Loss allowance to loans1.0339%3,190
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 assets44.2700%3,904
Net loans and leases to deposits48.7089%3,982
Net loans and leases to core deposits51.2182%4,002
Total domestic deposits to total assets90.8800%701
Equity capital to assets8.8403%2,513
Core capital (leverage) ratio9.6720%3,128
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.4983%761
Memoranda:
Average total assets$185,461,0003,089
Average earning assets$177,618,5003,036
Average equity$15,054,0003,251
Average total loans$76,901,7503,461
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4202%2,840
Cost of funding earning assets0.4740%4,029
Net interest margin3.9462%1,337
Noninterest income to average assets0.3700%2,628
Noninterest expense to average assets1.9487%3,714
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets2.1948%355
Return on assets (ROA)1.8564%598
Pretax return on assets1.8617%915
Return on Equity (ROE)23.5200%458
Retained earnings to average equity (ytd only)12.0979%967
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio46.9701%4,117
Assets per employee ($millions)6.9024%2,002
Cash dividends to net income (ytd only)*48.5714%1,349
Condition Ratios (%)
Loss allowance to loans1.0761%3,065
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 assets40.3000%4,026
Net loans and leases to deposits43.9883%4,095
Net loans and leases to core deposits46.2477%4,122
Total domestic deposits to total assets91.6100%482
Equity capital to assets8.1851%3,094
Core capital (leverage) ratio9.2732%3,482
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.2511%789
Memoranda:
Average total assets$188,535,0003,074
Average earning assets$180,579,6673,024
Average equity$14,878,6673,282
Average total loans$76,258,6673,474
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3210%2,747
Cost of funding earning assets0.3772%4,017
Net interest margin3.9438%1,378
Noninterest income to average assets0.3400%2,789
Noninterest expense to average assets1.9892%3,655
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets2.1179%419
Return on assets (ROA)1.7804%693
Pretax return on assets1.7867%1,089
Return on Equity (ROE)22.9800%509
Retained earnings to average equity (ytd only)12.0890%1,251
Net charge-offs to loans0.0052%1,779
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)1,007.0000%102
Efficiency ratio48.3590%4,063
Assets per employee ($millions)7.1918%1,827
Cash dividends to net income (ytd only)*47.3934%1,252
Condition Ratios (%)
Loss allowance to loans1.1021%3,043
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 assets37.7100%4,124
Net loans and leases to deposits41.0017%4,197
Net loans and leases to core deposits42.8868%4,203
Total domestic deposits to total assets91.9700%523
Equity capital to assets7.8577%3,342
Core capital (leverage) ratio8.5819%4,086
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.0242%842
Memoranda:
Average total assets$189,620,5003,108
Average earning assets$181,347,0003,057
Average equity$14,691,0003,334
Average total loans$76,428,0003,509
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0869%4,014
Cost of funding earning assets0.2081%3,696
Net interest margin2.8788%3,731
Noninterest income to average assets0.4200%2,575
Noninterest expense to average assets1.9177%3,794
Loan and lease loss provision to assets0.0100%2,705
Net operating income to assets1.2370%1,638
Return on assets (ROA)1.1296%2,000
Pretax return on assets1.1312%2,668
Return on Equity (ROE)14.1600%1,497
Retained earnings to average equity (ytd only)6.4302%2,481
Net charge-offs to loans0.0013%2,519
Credit loss provision to net charge-offs2,500.0000%214
Earnings coverage of net charge-offs (x)2,285.0000%72
Efficiency ratio60.4945%2,986
Assets per employee ($millions)7.4025%1,684
Cash dividends to net income (ytd only)*54.5852%1,188
Condition Ratios (%)
Loss allowance to loans0.9326%3,660
Loan loss allowance to noncurrent loans18,375.0000%101
Noncurrent assets plus other real estate owned to assets0.0022%3,928
Noncurrent loans to loans0.0051%3,840
Net loans and leases to total assets42.1900%3,967
Net loans and leases to deposits45.7670%4,064
Net loans and leases to core deposits47.6396%4,070
Total domestic deposits to total assets92.1800%593
Equity capital to assets7.6320%3,302
Core capital (leverage) ratio8.9158%3,766
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.7990%1,014
Memoranda:
Average total assets$182,458,2003,164
Average earning assets$174,449,4003,107
Average equity$14,556,4003,409
Average total loans$75,322,6003,484
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7667%4,226
Cost of funding earning assets0.1747%3,570
Net interest margin2.5919%4,113
Noninterest income to average assets0.4200%2,617
Noninterest expense to average assets1.9089%3,733
Loan and lease loss provision to assets0.0200%2,326
Net operating income to assets0.9746%2,568
Return on assets (ROA)0.8844%2,914
Pretax return on assets0.8866%3,354
Return on Equity (ROE)10.9600%2,392
Retained earnings to average equity (ytd only)4.1460%3,392
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio65.7323%2,315
Assets per employee ($millions)6.5407%2,287
Cash dividends to net income (ytd only)*62.1891%811
Condition Ratios (%)
Loss allowance to loans0.8989%3,857
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 assets45.9500%3,764
Net loans and leases to deposits49.8271%3,866
Net loans and leases to core deposits51.8644%3,860
Total domestic deposits to total assets92.2200%812
Equity capital to assets7.4932%3,221
Core capital (leverage) ratio8.9720%3,636
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.3103%1,123
Memoranda:
Average total assets$181,807,0003,191
Average earning assets$173,971,2503,140
Average equity$14,664,5003,448
Average total loans$74,450,0003,511
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4074%4,453
Cost of funding earning assets0.1628%3,409
Net interest margin2.2446%4,387
Noninterest income to average assets0.4228%2,612
Noninterest expense to average assets1.8731%3,773
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.6943%3,325
Return on assets (ROA)0.6048%3,563
Pretax return on assets0.6080%3,800
Return on Equity (ROE)7.3308%3,207
Retained earnings to average equity (ytd only)2.0473%3,736
Net charge-offs to loans0.0028%1,981
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)641.0000%215
Efficiency ratio72.8390%1,646
Assets per employee ($millions)6.4970%2,320
Cash dividends to net income (ytd only)*72.0721%774
Condition Ratios (%)
Loss allowance to loans0.9323%3,860
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 assets41.4719%4,005
Net loans and leases to deposits45.1387%4,062
Net loans and leases to core deposits46.7177%4,094
Total domestic deposits to total assets91.8765%889
Equity capital to assets7.8668%3,226
Core capital (leverage) ratio8.6379%3,818
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.7923%1,024
Memoranda:
Average total assets$183,543,0003,213
Average earning assets$175,711,0003,164
Average equity$15,141,6673,477
Average total loans$71,973,3333,584
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2257%4,515
Cost of funding earning assets0.1658%3,285
Net interest margin2.0599%4,476
Noninterest income to average assets0.3732%2,855
Noninterest expense to average assets1.8074%3,924
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.5272%3,634
Return on assets (ROA)0.5272%3,603
Pretax return on assets0.5337%3,806
Return on Equity (ROE)6.2480%3,270
Retained earnings to average equity (ytd only)-0.1800%4,038
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.2011%1,384
Assets per employee ($millions)6.9504%2,026
Cash dividends to net income (ytd only)*102.8807%499
Condition Ratios (%)
Loss allowance to loans1.0439%3,554
Loan loss allowance to noncurrent loans71,100.0000%25
Noncurrent assets plus other real estate owned to assets0.0005%4,125
Noncurrent loans to loans0.0015%4,046
Net loans and leases to total assets35.9144%4,213
Net loans and leases to deposits39.0802%4,284
Net loans and leases to core deposits40.5676%4,295
Total domestic deposits to total assets91.8992%617
Equity capital to assets7.9138%3,633
Core capital (leverage) ratio8.3285%4,045
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.6100%810
Memoranda:
Average total assets$184,356,5003,209
Average earning assets$176,127,0003,174
Average equity$15,557,0003,510
Average total loans$69,883,0003,623
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7398%4,272
Cost of funding earning assets0.1973%3,493
Net interest margin2.5425%4,132
Noninterest income to average assets0.6838%1,819
Noninterest expense to average assets1.9851%3,724
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.1186%2,215
Return on assets (ROA)1.0925%2,392
Pretax return on assets1.1097%2,936
Return on Equity (ROE)11.2739%2,062
Retained earnings to average equity (ytd only)3.9293%3,244
Net charge-offs to loans0.0074%2,304
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)383.2000%341
Efficiency ratio63.5949%2,627
Assets per employee ($millions)6.7057%2,153
Cash dividends to net income (ytd only)*65.1466%898
Condition Ratios (%)
Loss allowance to loans0.9922%3,781
Loan loss allowance to noncurrent loans35,550.0000%51
Noncurrent assets plus other real estate owned to assets0.0011%4,198
Noncurrent loans to loans0.0028%4,105
Net loans and leases to total assets39.1858%4,138
Net loans and leases to deposits43.1562%4,218
Net loans and leases to core deposits44.6927%4,239
Total domestic deposits to total assets90.7999%582
Equity capital to assets8.9825%3,637
Core capital (leverage) ratio8.8148%3,603
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.0295%889
Memoranda:
Average total assets$168,606,8003,315
Average earning assets$161,651,4003,260
Average equity$16,338,6003,514
Average total loans$67,774,0003,691
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6845%4,422
Cost of funding earning assets0.2044%3,563
Net interest margin2.4801%4,313
Noninterest income to average assets0.7662%1,632
Noninterest expense to average assets1.9497%3,814
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.1819%2,225
Return on assets (ROA)1.1819%2,284
Pretax return on assets1.2012%2,930
Return on Equity (ROE)11.9575%2,060
Retained earnings to average equity (ytd only)5.0292%3,208
Net charge-offs to loans0.0040%2,199
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)745.5000%215
Efficiency ratio61.8768%2,719
Assets per employee ($millions)6.3383%2,386
Cash dividends to net income (ytd only)*57.9414%909
Condition Ratios (%)
Loss allowance to loans1.0448%3,692
Loan loss allowance to noncurrent loans1,347.1698%635
Noncurrent assets plus other real estate owned to assets0.0310%3,957
Noncurrent loans to loans0.0776%3,704
Net loans and leases to total assets39.5170%4,233
Net loans and leases to deposits43.8345%4,319
Net loans and leases to core deposits45.3784%4,340
Total domestic deposits to total assets90.1504%706
Equity capital to assets9.5785%3,308
Core capital (leverage) ratio9.3546%3,170
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$165,495,2503,375
Average earning assets$159,130,2503,315
Average equity$16,357,5003,562
Average total loans$66,803,0003,761
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4886%4,622
Cost of funding earning assets0.2136%3,617
Net interest margin2.2750%4,540
Noninterest income to average assets0.8275%1,459
Noninterest expense to average assets2.0353%3,590
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.9559%3,042
Return on assets (ROA)0.9559%3,129
Pretax return on assets0.9791%3,487
Return on Equity (ROE)9.5681%2,926
Retained earnings to average equity (ytd only)5.2857%3,079
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5182%1,938
Assets per employee ($millions)6.5432%2,129
Cash dividends to net income (ytd only)*44.7570%1,403
Condition Ratios (%)
Loss allowance to loans1.0723%3,534
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets40.3821%4,275
Net loans and leases to deposits45.0087%4,350
Net loans and leases to core deposits46.6521%4,375
Total domestic deposits to total assets89.7206%908
Equity capital to assets10.0245%2,828
Core capital (leverage) ratio9.3506%3,071
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$163,615,6673,400
Average earning assets$157,277,0003,337
Average equity$16,346,0003,574
Average total loans$66,290,3333,791
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4812%4,654
Cost of funding earning assets0.2267%3,666
Net interest margin2.2545%4,563
Noninterest income to average assets1.1562%915
Noninterest expense to average assets2.0240%3,643
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.2614%1,941
Return on assets (ROA)1.2614%2,019
Pretax return on assets1.2956%2,584
Return on Equity (ROE)12.6471%1,769
Retained earnings to average equity (ytd only)4.0686%3,479
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.9720%2,912
Assets per employee ($millions)6.6574%2,048
Cash dividends to net income (ytd only)*67.8295%750
Condition Ratios (%)
Loss allowance to loans1.1231%3,324
Loan loss allowance to noncurrent loans1,193.3333%572
Noncurrent assets plus other real estate owned to assets0.0361%4,112
Noncurrent loans to loans0.0941%3,836
Net loans and leases to total assets37.8742%4,426
Net loans and leases to deposits42.0453%4,498
Net loans and leases to core deposits43.4186%4,517
Total domestic deposits to total assets90.0796%784
Equity capital to assets9.7329%2,963
Core capital (leverage) ratio9.1738%3,423
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$163,633,5003,396
Average earning assets$157,021,5003,341
Average equity$16,320,0003,579
Average total loans$66,049,0003,812
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2066%4,445
Cost of funding earning assets0.3324%3,965
Net interest margin2.8741%4,156
Noninterest income to average assets0.9859%1,070
Noninterest expense to average assets2.2645%3,503
Loan and lease loss provision to assets0.0363%3,959
Net operating income to assets1.4200%978
Return on assets (ROA)1.4577%984
Pretax return on assets1.4649%1,451
Return on Equity (ROE)13.6655%892
Retained earnings to average equity (ytd only)3.7540%2,950
Net charge-offs to loans0.0057%3,143
Credit loss provision to net charge-offs1,375.0000%608
Earnings coverage of net charge-offs (x)553.7500%213
Efficiency ratio60.7409%3,356
Assets per employee ($millions)6.4333%1,967
Cash dividends to net income (ytd only)*72.5295%869
Condition Ratios (%)
Loss allowance to loans1.0476%3,697
Loan loss allowance to noncurrent loans1,193.3333%574
Noncurrent assets plus other real estate owned to assets0.0373%4,171
Noncurrent loans to loans0.0878%3,935
Net loans and leases to total assets42.0501%4,349
Net loans and leases to deposits46.9715%4,430
Net loans and leases to core deposits48.4563%4,474
Total domestic deposits to total assets89.5226%760
Equity capital to assets10.2225%2,912
Core capital (leverage) ratio9.5576%3,053
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$151,338,0003,393
Average earning assets$144,391,6003,329
Average equity$16,142,8003,537
Average total loans$69,647,6003,748
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2395%4,544
Cost of funding earning assets0.3574%4,018
Net interest margin2.8821%4,206
Noninterest income to average assets1.0409%960
Noninterest expense to average assets2.1857%3,713
Loan and lease loss provision to assets0.0269%3,996
Net operating income to assets1.5708%777
Return on assets (ROA)1.6218%758
Pretax return on assets1.6290%1,107
Return on Equity (ROE)15.0355%684
Retained earnings to average equity (ytd only)4.8708%2,624
Net charge-offs to loans0.0076%2,848
Credit loss provision to net charge-offs750.0000%1,025
Earnings coverage of net charge-offs (x)448.2500%254
Efficiency ratio57.6623%3,715
Assets per employee ($millions)6.3018%1,994
Cash dividends to net income (ytd only)*67.6049%888
Condition Ratios (%)
Loss allowance to loans0.9374%3,943
Loan loss allowance to noncurrent loans1,151.6667%525
Noncurrent assets plus other real estate owned to assets0.0381%4,263
Noncurrent loans to loans0.0814%4,042
Net loans and leases to total assets46.3506%4,295
Net loans and leases to deposits51.9563%4,411
Net loans and leases to core deposits53.5402%4,469
Total domestic deposits to total assets89.2107%683
Equity capital to assets10.5119%2,782
Core capital (leverage) ratio10.0528%2,674
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$148,964,5003,405
Average earning assets$142,115,2503,345
Average equity$16,068,2503,541
Average total loans$69,973,0003,752
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3450%4,596
Cost of funding earning assets0.3904%4,072
Net interest margin2.9546%4,219
Noninterest income to average assets0.9555%1,062
Noninterest expense to average assets2.2066%3,763
Loan and lease loss provision to assets0.0411%3,764
Net operating income to assets1.5085%911
Return on assets (ROA)1.5865%854
Pretax return on assets1.5934%1,243
Return on Equity (ROE)14.5749%779
Retained earnings to average equity (ytd only)5.1434%2,403
Net charge-offs to loans0.0146%2,457
Credit loss provision to net charge-offs600.0000%1,104
Earnings coverage of net charge-offs (x)227.4000%400
Efficiency ratio58.6395%3,601
Assets per employee ($millions)5.9373%2,240
Cash dividends to net income (ytd only)*64.7110%1,096
Condition Ratios (%)
Loss allowance to loans0.9930%3,612
Loan loss allowance to noncurrent loans1,150.0000%499
Noncurrent assets plus other real estate owned to assets0.0404%4,336
Noncurrent loans to loans0.0863%4,115
Net loans and leases to total assets46.3492%4,346
Net loans and leases to deposits52.3028%4,433
Net loans and leases to core deposits54.0160%4,497
Total domestic deposits to total assets88.6170%901
Equity capital to assets11.1209%2,237
Core capital (leverage) ratio10.2739%2,562
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$146,104,3333,417
Average earning assets$138,832,3333,362
Average equity$15,904,0003,559
Average total loans$68,726,0003,782
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5161%4,613
Cost of funding earning assets0.4337%4,222
Net interest margin3.0824%4,130
Noninterest income to average assets0.7396%1,498
Noninterest expense to average assets2.1112%4,192
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.5455%705
Return on assets (ROA)1.5455%774
Pretax return on assets1.5510%1,177
Return on Equity (ROE)14.3567%637
Retained earnings to average equity (ytd only)4.7428%2,395
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6488%4,048
Assets per employee ($millions)5.7158%1,914
Cash dividends to net income (ytd only)*66.9643%1,253
Condition Ratios (%)
Loss allowance to loans1.0395%3,493
Loan loss allowance to noncurrent loans2,660.0000%234
Noncurrent assets plus other real estate owned to assets0.0175%4,546
Noncurrent loans to loans0.0391%4,402
Net loans and leases to total assets44.3049%4,494
Net loans and leases to deposits50.0621%4,587
Net loans and leases to core deposits51.7700%4,636
Total domestic deposits to total assets88.5000%879
Equity capital to assets11.2823%2,604
Core capital (leverage) ratio10.1987%3,248
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$144,940,5003,399
Average earning assets$137,425,0003,348
Average equity$15,602,5003,604
Average total loans$68,345,5003,796
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7107%4,667
Cost of funding earning assets0.4169%4,387
Net interest margin3.2938%4,003
Noninterest income to average assets0.6282%2,101
Noninterest expense to average assets2.2897%3,967
Loan and lease loss provision to assets0.0492%3,035
Net operating income to assets1.4238%1,266
Return on assets (ROA)1.4385%1,288
Pretax return on assets1.4385%2,019
Return on Equity (ROE)13.9438%904
Retained earnings to average equity (ytd only)3.7161%3,132
Net charge-offs to loans0.0279%2,837
Credit loss provision to net charge-offs368.4211%755
Earnings coverage of net charge-offs (x)110.2105%630
Efficiency ratio60.8525%3,559
Assets per employee ($millions)5.2495%2,285
Cash dividends to net income (ytd only)*73.3496%1,015
Condition Ratios (%)
Loss allowance to loans0.9145%3,900
Loan loss allowance to noncurrent loans1,705.1282%368
Noncurrent assets plus other real estate owned to assets0.0551%4,353
Noncurrent loans to loans0.0536%4,333
Net loans and leases to total assets49.0193%4,371
Net loans and leases to deposits54.7837%4,505
Net loans and leases to core deposits56.5603%4,563
Total domestic deposits to total assets89.4778%498
Equity capital to assets10.2616%3,663
Core capital (leverage) ratio10.1396%3,365
Tier 1 risk-based capital ratio17.0649%2,032
Total risk-based capital ratio17.8437%2,123
Memoranda:
Average total assets$142,159,0003,408
Average earning assets$135,283,8003,347
Average equity$14,666,0003,666
Average total loans$68,019,4003,811
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6892%4,793
Cost of funding earning assets0.4137%4,450
Net interest margin3.2755%4,135
Noninterest income to average assets0.6442%2,013
Noninterest expense to average assets2.1662%4,241
Loan and lease loss provision to assets0.0426%3,048
Net operating income to assets1.5589%1,036
Return on assets (ROA)1.5797%1,028
Pretax return on assets1.5797%1,703
Return on Equity (ROE)15.2908%718
Retained earnings to average equity (ytd only)5.9057%2,416
Net charge-offs to loans0.0040%3,267
Credit loss provision to net charge-offs2,250.0000%180
Earnings coverage of net charge-offs (x)845.4232%113
Efficiency ratio57.4944%4,002
Assets per employee ($millions)5.0164%2,544
Cash dividends to net income (ytd only)*61.3772%1,230
Condition Ratios (%)
Loss allowance to loans0.9355%3,897
Loan loss allowance to noncurrent loans1,113.5593%538
Noncurrent assets plus other real estate owned to assets0.0420%4,502
Noncurrent loans to loans0.0840%4,264
Net loans and leases to total assets49.5337%4,453
Net loans and leases to deposits55.7247%4,562
Net loans and leases to core deposits57.5025%4,638
Total domestic deposits to total assets88.8899%654
Equity capital to assets10.8623%3,238
Core capital (leverage) ratio10.3431%3,268
Tier 1 risk-based capital ratio17.3324%1,987
Total risk-based capital ratio18.1086%2,077
Memoranda:
Average total assets$140,952,5003,455
Average earning assets$134,407,0003,392
Average equity$14,561,7503,714
Average total loans$66,845,2503,881
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6309%4,908
Cost of funding earning assets0.4107%4,470
Net interest margin3.2202%4,317
Noninterest income to average assets0.5797%2,246
Noninterest expense to average assets2.1826%4,261
Loan and lease loss provision to assets0.0283%3,256
Net operating income to assets1.4357%1,332
Return on assets (ROA)1.4669%1,299
Pretax return on assets1.4669%1,967
Return on Equity (ROE)14.4452%885
Retained earnings to average equity (ytd only)5.0244%2,761
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.8523%3,749
Assets per employee ($millions)4.9062%2,597
Cash dividends to net income (ytd only)*65.2174%1,245
Condition Ratios (%)
Loss allowance to loans0.9656%3,801
Loan loss allowance to noncurrent loans1,074.5763%557
Noncurrent assets plus other real estate owned to assets0.0429%4,552
Noncurrent loans to loans0.0899%4,283
Net loans and leases to total assets47.3336%4,592
Net loans and leases to deposits53.2508%4,709
Net loans and leases to core deposits54.9273%4,752
Total domestic deposits to total assets88.8880%710
Equity capital to assets10.8907%3,186
Core capital (leverage) ratio10.4100%3,185
Tier 1 risk-based capital ratio17.1708%2,036
Total risk-based capital ratio17.9275%2,134
Memoranda:
Average total assets$141,117,3303,481
Average earning assets$134,401,0003,416
Average equity$14,330,0003,744
Average total loans$65,716,6703,931
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5392%5,011
Cost of funding earning assets0.3832%4,559
Net interest margin3.1560%4,485
Noninterest income to average assets0.5007%2,550
Noninterest expense to average assets2.1176%4,432
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.4015%1,372
Return on assets (ROA)1.4630%1,228
Pretax return on assets1.4630%1,881
Return on Equity (ROE)14.9274%759
Retained earnings to average equity (ytd only)5.6513%2,613
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.1749%3,782
Assets per employee ($millions)5.0396%2,471
Cash dividends to net income (ytd only)*62.1415%1,295
Condition Ratios (%)
Loss allowance to loans0.9679%3,885
Loan loss allowance to noncurrent loans601.9608%893
Noncurrent assets plus other real estate owned to assets0.0723%4,454
Noncurrent loans to loans0.1608%4,022
Net loans and leases to total assets44.5202%4,723
Net loans and leases to deposits49.6181%4,826
Net loans and leases to core deposits51.5167%4,850
Total domestic deposits to total assets89.7257%553
Equity capital to assets10.1305%3,691
Core capital (leverage) ratio9.8761%3,733
Tier 1 risk-based capital ratio17.7780%1,861
Total risk-based capital ratio18.5454%1,957
Memoranda:
Average total assets$142,989,0003,486
Average earning assets$136,754,0003,419
Average equity$14,014,5003,800
Average total loans$65,746,0003,970
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2365%5,123
Cost of funding earning assets0.2758%4,676
Net interest margin2.9607%4,837
Noninterest income to average assets0.5105%2,775
Noninterest expense to average assets2.2288%4,279
Loan and lease loss provision to assets0.0139%3,867
Net operating income to assets1.1006%2,593
Return on assets (ROA)1.0479%2,796
Pretax return on assets1.0479%3,448
Return on Equity (ROE)11.3659%1,951
Retained earnings to average equity (ytd only)3.7035%3,541
Net charge-offs to loans0.0064%3,465
Credit loss provision to net charge-offs500.0000%689
Earnings coverage of net charge-offs (x)402.2500%255
Efficiency ratio66.6667%2,755
Assets per employee ($millions)5.1739%2,301
Cash dividends to net income (ytd only)*67.4157%1,188
Condition Ratios (%)
Loss allowance to loans0.9022%4,150
Loan loss allowance to noncurrent loans632.9897%893
Noncurrent assets plus other real estate owned to assets0.0670%4,496
Noncurrent loans to loans0.1425%4,103
Net loans and leases to total assets46.5538%4,714
Net loans and leases to deposits51.5387%4,835
Net loans and leases to core deposits53.4418%4,863
Total domestic deposits to total assets90.3278%370
Equity capital to assets9.4803%4,148
Core capital (leverage) ratio9.5648%4,046
Tier 1 risk-based capital ratio16.6736%2,179
Total risk-based capital ratio17.4035%2,301
Memoranda:
Average total assets$144,379,4003,452
Average earning assets$138,143,8003,384
Average equity$13,311,8003,841
Average total loans$62,377,4004,038
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1240%5,237
Cost of funding earning assets0.2555%4,755
Net interest margin2.8685%5,015
Noninterest income to average assets0.4991%2,875
Noninterest expense to average assets2.1738%4,381
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.0749%2,766
Return on assets (ROA)1.0315%2,965
Pretax return on assets1.0315%3,632
Return on Equity (ROE)11.2671%2,063
Retained earnings to average equity (ytd only)3.9980%3,770
Net charge-offs to loans0.0044%3,297
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)580.7603%151
Efficiency ratio66.9132%2,728
Assets per employee ($millions)5.3078%2,113
Cash dividends to net income (ytd only)*64.5165%1,032
Condition Ratios (%)
Loss allowance to loans0.9456%4,062
Loan loss allowance to noncurrent loans1,419.0476%445
Noncurrent assets plus other real estate owned to assets0.0283%4,845
Noncurrent loans to loans0.0666%4,584
Net loans and leases to total assets42.0077%4,962
Net loans and leases to deposits46.1713%5,049
Net loans and leases to core deposits47.8652%5,068
Total domestic deposits to total assets90.9822%226
Equity capital to assets8.8206%4,703
Core capital (leverage) ratio9.8559%3,792
Tier 1 risk-based capital ratio17.5113%1,926
Total risk-based capital ratio18.2606%2,050
Memoranda:
Average total assets$144,257,0003,490
Average earning assets$138,279,0003,416
Average equity$13,206,2503,885
Average total loans$60,957,7504,113
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0585%5,305
Cost of funding earning assets0.2769%4,580
Net interest margin2.7817%5,141
Noninterest income to average assets0.2801%4,311
Noninterest expense to average assets1.9063%4,947
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.0598%2,754
Return on assets (ROA)1.0598%2,756
Pretax return on assets1.0598%3,477
Return on Equity (ROE)12.0820%1,696
Retained earnings to average equity (ytd only)6.2768%2,431
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.2704%3,281
Assets per employee ($millions)4.9700%2,461
Cash dividends to net income (ytd only)*48.0480%1,760
Condition Ratios (%)
Loss allowance to loans0.9577%4,076
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets46.1234%4,821
Net loans and leases to deposits50.8767%4,950
Net loans and leases to core deposits51.8032%4,999
Total domestic deposits to total assets90.6573%346
Equity capital to assets9.1834%4,398
Core capital (leverage) ratio9.3202%4,338
Tier 1 risk-based capital ratio16.1905%2,373
Total risk-based capital ratio16.9348%2,500
Memoranda:
Average total assets$62,844,6704,806
Average earning assets$60,682,6704,758
Average equity$5,512,3305,080
Average total loans$27,515,0004,979
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8907%5,418
Cost of funding earning assets0.2634%4,629
Net interest margin2.6273%5,307
Noninterest income to average assets0.2793%4,304
Noninterest expense to average assets1.8310%5,122
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.9869%2,905
Return on assets (ROA)0.9869%2,937
Pretax return on assets0.9869%3,584
Return on Equity (ROE)11.5009%1,767
Retained earnings to average equity (ytd only)6.0759%2,673
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.9780%3,321
Assets per employee ($millions)5.3981%2,035
Cash dividends to net income (ytd only)*47.1698%1,591
Condition Ratios (%)
Loss allowance to loans1.0032%3,935
Loan loss allowance to noncurrent loans443.3333%1,224
Noncurrent assets plus other real estate owned to assets0.0926%4,629
Noncurrent loans to loans0.2263%3,963
Net loans and leases to total assets40.5236%5,047
Net loans and leases to deposits44.3113%5,147
Net loans and leases to core deposits45.0443%5,187
Total domestic deposits to total assets91.4522%194
Equity capital to assets8.4320%5,028
Core capital (leverage) ratio8.8656%4,830
Tier 1 risk-based capital ratio16.3429%2,339
Total risk-based capital ratio17.1061%2,474
Memoranda:
Average total assets$64,447,0004,842
Average earning assets$62,269,0004,783
Average equity$5,530,0005,130
Average total loans$27,385,5005,033
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8853%5,422
Cost of funding earning assets0.2325%4,711
Net interest margin2.6527%5,315
Noninterest income to average assets0.3747%3,792
Noninterest expense to average assets1.9164%5,093
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets1.0199%2,155
Return on assets (ROA)1.0199%2,190
Pretax return on assets1.0199%3,495
Return on Equity (ROE)11.5845%1,317
Retained earnings to average equity (ytd only)6.1963%1,440
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2666%3,390
Assets per employee ($millions)5.3431%2,110
Cash dividends to net income (ytd only)*46.5116%2,503
Condition Ratios (%)
Loss allowance to loans0.9414%4,266
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,206
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets43.6530%4,993
Net loans and leases to deposits47.9141%5,129
Net loans and leases to core deposits48.7163%5,170
Total domestic deposits to total assets91.1069%218
Equity capital to assets8.7309%4,947
Core capital (leverage) ratio8.7855%4,875
Tier 1 risk-based capital ratio15.0824%2,810
Total risk-based capital ratio15.7973%2,988
Memoranda:
Average total assets$63,244,0004,894
Average earning assets$61,068,8004,838
Average equity$5,567,8005,172
Average total loans$27,287,0005,085
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8494%5,503
Cost of funding earning assets0.2256%4,773
Net interest margin2.6239%5,388
Noninterest income to average assets0.3956%3,717
Noninterest expense to average assets1.8489%5,205
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.0810%2,173
Return on assets (ROA)1.0810%2,229
Pretax return on assets1.0810%3,379
Return on Equity (ROE)12.2534%1,256
Retained earnings to average equity (ytd only)6.2585%2,082
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1047%3,691
Assets per employee ($millions)5.1937%2,231
Cash dividends to net income (ytd only)*48.9241%1,817
Condition Ratios (%)
Loss allowance to loans0.9160%4,485
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets46.1684%4,929
Net loans and leases to deposits50.9040%5,093
Net loans and leases to core deposits51.7825%5,146
Total domestic deposits to total assets90.6970%261
Equity capital to assets9.1329%4,797
Core capital (leverage) ratio8.9111%4,849
Tier 1 risk-based capital ratio15.0022%2,916
Total risk-based capital ratio15.7241%3,110
Memoranda:
Average total assets$63,025,7504,956
Average earning assets$60,875,7504,893
Average equity$5,560,2505,231
Average total loans$27,045,0005,151
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7887%5,561
Cost of funding earning assets0.2258%4,752
Net interest margin2.5628%5,462
Noninterest income to average assets0.4426%3,403
Noninterest expense to average assets1.8558%5,248
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.0623%2,158
Return on assets (ROA)1.0623%2,201
Pretax return on assets1.0623%3,330
Return on Equity (ROE)12.1820%1,243
Retained earnings to average equity (ytd only)7.6500%1,296
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.5970%3,743
Assets per employee ($millions)5.1199%2,248
Cash dividends to net income (ytd only)*37.2024%2,458
Condition Ratios (%)
Loss allowance to loans1.0234%4,007
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,332
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets41.8741%5,148
Net loans and leases to deposits46.2051%5,277
Net loans and leases to core deposits46.6737%5,325
Total domestic deposits to total assets90.6265%316
Equity capital to assets9.2384%4,684
Core capital (leverage) ratio8.8055%4,943
Tier 1 risk-based capital ratio16.0579%2,480
Total risk-based capital ratio16.8377%2,600
Memoranda:
Average total assets$63,259,6704,989
Average earning assets$61,104,0004,920
Average equity$5,516,3305,270
Average total loans$26,380,0005,207
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7159%5,639
Cost of funding earning assets0.2263%4,741
Net interest margin2.4896%5,556
Noninterest income to average assets0.2992%4,419
Noninterest expense to average assets1.7828%5,402
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.9163%2,680
Return on assets (ROA)0.9163%2,733
Pretax return on assets0.9163%3,705
Return on Equity (ROE)10.8158%1,633
Retained earnings to average equity (ytd only)10.8158%640
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.0508%3,490
Assets per employee ($millions)5.4607%1,929
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.0569%3,946
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets38.0005%5,322
Net loans and leases to deposits41.5397%5,427
Net loans and leases to core deposits42.1080%5,464
Total domestic deposits to total assets91.4800%177
Equity capital to assets8.4193%5,295
Core capital (leverage) ratio8.1318%5,490
Tier 1 risk-based capital ratio16.7621%2,259
Total risk-based capital ratio17.5857%2,364
Memoranda:
Average total assets$64,170,0005,031
Average earning assets$61,857,0004,953
Average equity$5,436,5005,333
Average total loans$26,573,5005,257
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8962%5,583
Cost of funding earning assets0.2342%4,704
Net interest margin2.6620%5,461
Noninterest income to average assets0.3400%4,310
Noninterest expense to average assets1.9944%5,205
Loan and lease loss provision to assets0.0325%3,702
Net operating income to assets0.8833%2,912
Return on assets (ROA)0.8833%3,029
Pretax return on assets0.8833%3,900
Return on Equity (ROE)9.9768%1,965
Retained earnings to average equity (ytd only)2.9949%3,768
Net charge-offs to loans0.0176%3,720
Credit loss provision to net charge-offs400.0000%792
Earnings coverage of net charge-offs (x)112.6000%541
Efficiency ratio68.5299%3,156
Assets per employee ($millions)5.2343%2,131
Cash dividends to net income (ytd only)*69.9816%1,314
Condition Ratios (%)
Loss allowance to loans0.9507%4,577
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0143%5,343
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets44.1221%5,109
Net loans and leases to deposits48.3226%5,281
Net loans and leases to core deposits49.0132%5,331
Total domestic deposits to total assets91.3074%208
Equity capital to assets8.5270%5,251
Core capital (leverage) ratio8.2459%5,478
Tier 1 risk-based capital ratio14.9541%2,985
Total risk-based capital ratio15.7094%3,142
Memoranda:
Average total assets$61,471,2005,105
Average earning assets$59,353,2005,035
Average equity$5,442,6005,383
Average total loans$28,409,2005,253
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8821%5,664
Cost of funding earning assets0.2340%4,760
Net interest margin2.6481%5,550
Noninterest income to average assets0.3511%4,278
Noninterest expense to average assets1.9933%5,220
Loan and lease loss provision to assets0.0218%3,808
Net operating income to assets0.9029%2,891
Return on assets (ROA)0.9029%3,033
Pretax return on assets0.9029%3,968
Return on Equity (ROE)10.1018%2,010
Retained earnings to average equity (ytd only)1.8056%4,781
Net charge-offs to loans0.0234%3,210
Credit loss provision to net charge-offs200.0000%1,437
Earnings coverage of net charge-offs (x)84.7556%740
Efficiency ratio68.3109%3,172
Assets per employee ($millions)5.1348%2,212
Cash dividends to net income (ytd only)*82.1247%680
Condition Ratios (%)
Loss allowance to loans0.8683%4,973
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0146%5,464
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets47.4342%5,000
Net loans and leases to deposits52.2376%5,193
Net loans and leases to core deposits53.0030%5,267
Total domestic deposits to total assets90.8046%239
Equity capital to assets8.9974%5,179
Core capital (leverage) ratio8.5266%5,342
Tier 1 risk-based capital ratio14.6229%3,224
Total risk-based capital ratio15.3457%3,432
Memoranda:
Average total assets$61,136,0005,164
Average earning assets$59,260,2505,084
Average equity$5,464,2505,433
Average total loans$28,516,5005,292
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8740%5,754
Cost of funding earning assets0.2330%4,820
Net interest margin2.6410%5,629
Noninterest income to average assets0.3149%4,526
Noninterest expense to average assets1.9942%5,279
Loan and lease loss provision to assets0.0328%3,490
Net operating income to assets0.8528%3,086
Return on assets (ROA)0.8528%3,203
Pretax return on assets0.8528%4,110
Return on Equity (ROE)9.5629%2,248
Retained earnings to average equity (ytd only)1.4712%4,790
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.2483%3,106
Assets per employee ($millions)4.9416%2,367
Cash dividends to net income (ytd only)*84.6154%798
Condition Ratios (%)
Loss allowance to loans0.9791%4,618
Loan loss allowance to noncurrent loans1,864.2857%344
Noncurrent assets plus other real estate owned to assets0.0236%5,499
Noncurrent loans to loans0.0525%5,251
Net loans and leases to total assets44.5134%5,200
Net loans and leases to deposits49.1921%5,374
Net loans and leases to core deposits49.9442%5,435
Total domestic deposits to total assets90.4889%319
Equity capital to assets9.3408%4,929
Core capital (leverage) ratio8.4685%5,390
Tier 1 risk-based capital ratio15.5667%2,831
Total risk-based capital ratio16.3565%2,960
Memoranda:
Average total assets$60,975,3305,224
Average earning assets$59,220,3305,134
Average equity$5,437,6705,486
Average total loans$28,194,0005,360
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8600%5,819
Cost of funding earning assets0.2267%4,936
Net interest margin2.6333%5,688
Noninterest income to average assets0.3041%4,546
Noninterest expense to average assets1.8831%5,547
Loan and lease loss provision to assets0.0647%2,665
Net operating income to assets0.9124%2,688
Return on assets (ROA)0.9124%2,806
Pretax return on assets0.9124%3,792
Return on Equity (ROE)10.4696%1,790
Retained earnings to average equity (ytd only)2.3018%4,333
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8371%3,831
Assets per employee ($millions)5.0538%2,284
Cash dividends to net income (ytd only)*78.0142%1,027
Condition Ratios (%)
Loss allowance to loans0.9458%4,873
Loan loss allowance to noncurrent loans318.2927%1,533
Noncurrent assets plus other real estate owned to assets0.1352%5,033
Noncurrent loans to loans0.2971%4,367
Net loans and leases to total assets45.0738%5,178
Net loans and leases to deposits49.6062%5,363
Net loans and leases to core deposits50.1127%5,435
Total domestic deposits to total assets90.8632%308
Equity capital to assets8.9950%5,174
Core capital (leverage) ratio8.3643%5,502
Tier 1 risk-based capital ratio15.4202%2,962
Total risk-based capital ratio16.2038%3,117
Memoranda:
Average total assets$61,813,5005,246
Average earning assets$60,000,5005,159
Average equity$5,387,0005,533
Average total loans$28,962,5005,376
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8783%5,830
Cost of funding earning assets0.2300%5,010
Net interest margin2.6483%5,708
Noninterest income to average assets0.3595%4,328
Noninterest expense to average assets1.9061%5,610
Loan and lease loss provision to assets0.0164%4,081
Net operating income to assets1.0080%2,322
Return on assets (ROA)1.0080%2,409
Pretax return on assets1.0080%3,440
Return on Equity (ROE)11.5770%1,417
Retained earnings to average equity (ytd only)2.8094%4,070
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.0420%4,073
Assets per employee ($millions)5.2485%2,060
Cash dividends to net income (ytd only)*75.7329%1,016
Condition Ratios (%)
Loss allowance to loans0.8276%5,332
Loan loss allowance to noncurrent loans1,673.3333%383
Noncurrent assets plus other real estate owned to assets0.0238%5,597
Noncurrent loans to loans0.0495%5,317
Net loans and leases to total assets47.7565%5,033
Net loans and leases to deposits52.2687%5,273
Net loans and leases to core deposits52.7786%5,383
Total domestic deposits to total assets91.3674%201
Equity capital to assets8.4453%5,608
Core capital (leverage) ratio8.3982%5,527
Tier 1 risk-based capital ratio14.4026%3,493
Total risk-based capital ratio15.1107%3,727
Memoranda:
Average total assets$60,911,2005,301
Average earning assets$59,131,6005,213
Average equity$5,303,6005,582
Average total loans$28,686,4005,416
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8720%5,918
Cost of funding earning assets0.2297%5,095
Net interest margin2.6423%5,794
Noninterest income to average assets0.3819%4,202
Noninterest expense to average assets1.8854%5,661
Loan and lease loss provision to assets0.0221%3,834
Net operating income to assets1.0398%2,275
Return on assets (ROA)1.0398%2,369
Pretax return on assets1.0398%3,463
Return on Equity (ROE)11.8492%1,415
Retained earnings to average equity (ytd only)3.2956%4,124
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9700%4,254
Assets per employee ($millions)5.0001%2,296
Cash dividends to net income (ytd only)*72.1870%951
Condition Ratios (%)
Loss allowance to loans0.8522%5,364
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets48.6709%5,036
Net loans and leases to deposits54.9032%5,192
Net loans and leases to core deposits55.4831%5,333
Total domestic deposits to total assets88.6485%1,208
Equity capital to assets8.9649%5,339
Core capital (leverage) ratio8.4453%5,592
Tier 1 risk-based capital ratio14.6735%3,456
Total risk-based capital ratio15.3975%3,699
Memoranda:
Average total assets$60,393,5005,380
Average earning assets$58,634,0005,285
Average equity$5,299,7505,651
Average total loans$28,275,7505,496
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8103%6,009
Cost of funding earning assets0.2280%5,165
Net interest margin2.5824%5,898
Noninterest income to average assets0.3767%4,255
Noninterest expense to average assets1.8571%5,773
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.0277%2,245
Return on assets (ROA)1.0277%2,362
Pretax return on assets1.0277%3,467
Return on Equity (ROE)11.7952%1,433
Retained earnings to average equity (ytd only)3.8306%3,567
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.3757%4,295
Assets per employee ($millions)4.9218%2,371
Cash dividends to net income (ytd only)*67.5241%1,282
Condition Ratios (%)
Loss allowance to loans0.8771%5,382
Loan loss allowance to noncurrent loans2,008.3333%291
Noncurrent assets plus other real estate owned to assets0.0203%5,813
Noncurrent loans to loans0.0437%5,574
Net loans and leases to total assets46.1126%5,235
Net loans and leases to deposits50.7680%5,462
Net loans and leases to core deposits51.2987%5,563
Total domestic deposits to total assets90.8300%345
Equity capital to assets8.9668%5,270
Core capital (leverage) ratio8.2583%5,744
Tier 1 risk-based capital ratio15.4266%3,145
Total risk-based capital ratio16.1618%3,339
Memoranda:
Average total assets$60,524,3305,436
Average earning assets$58,783,3305,336
Average equity$5,273,3305,714
Average total loans$27,883,0005,560
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7182%6,122
Cost of funding earning assets0.2288%5,233
Net interest margin2.4895%6,028
Noninterest income to average assets0.4440%3,673
Noninterest expense to average assets1.8088%5,886
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.0513%2,029
Return on assets (ROA)1.0513%2,172
Pretax return on assets1.0513%3,295
Return on Equity (ROE)12.2387%1,284
Retained earnings to average equity (ytd only)4.6370%3,247
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.2420%4,594
Assets per employee ($millions)5.5892%1,720
Cash dividends to net income (ytd only)*62.1118%1,373
Condition Ratios (%)
Loss allowance to loans0.9062%5,426
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets42.8636%5,431
Net loans and leases to deposits46.9993%5,620
Net loans and leases to core deposits47.4692%5,690
Total domestic deposits to total assets91.2005%294
Equity capital to assets8.6466%5,615
Core capital (leverage) ratio7.9316%5,980
Tier 1 risk-based capital ratio16.1365%2,858
Total risk-based capital ratio16.9116%3,017
Memoranda:
Average total assets$61,255,5005,471
Average earning assets$59,450,5005,372
Average equity$5,262,0005,767
Average total loans$28,086,5005,594
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6539%6,280
Cost of funding earning assets0.2345%5,471
Net interest margin2.4194%6,214
Noninterest income to average assets0.3821%4,325
Noninterest expense to average assets1.8552%6,000
Loan and lease loss provision to assets0.0518%3,521
Net operating income to assets0.8305%3,222
Return on assets (ROA)0.8499%3,218
Pretax return on assets0.8499%4,076
Return on Equity (ROE)10.3139%1,980
Retained earnings to average equity (ytd only)2.2592%4,633
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.7705%3,933
Assets per employee ($millions)5.5482%1,733
Cash dividends to net income (ytd only)*78.0952%971
Condition Ratios (%)
Loss allowance to loans0.8148%5,739
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets48.0714%5,148
Net loans and leases to deposits52.6790%5,433
Net loans and leases to core deposits53.2093%5,550
Total domestic deposits to total assets91.2535%282
Equity capital to assets8.5335%5,717
Core capital (leverage) ratio8.0520%5,963
Tier 1 risk-based capital ratio14.4849%3,785
Total risk-based capital ratio15.1892%4,069
Memoranda:
Average total assets$61,771,8005,506
Average earning assets$60,138,4005,389
Average equity$5,090,2005,832
Average total loans$26,316,6005,729
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5868%6,382
Cost of funding earning assets0.2340%5,562
Net interest margin2.3528%6,318
Noninterest income to average assets0.3379%4,731
Noninterest expense to average assets1.8055%6,080
Loan and lease loss provision to assets0.0430%3,537
Net operating income to assets0.7833%3,496
Return on assets (ROA)0.7941%3,555
Pretax return on assets0.7941%4,385
Return on Equity (ROE)9.7217%2,342
Retained earnings to average equity (ytd only)1.6861%5,205
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6018%3,748
Assets per employee ($millions)5.4914%1,732
Cash dividends to net income (ytd only)*82.6562%677
Condition Ratios (%)
Loss allowance to loans0.8300%5,794
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets45.2959%5,430
Net loans and leases to deposits49.6804%5,671
Net loans and leases to core deposits50.1853%5,779
Total domestic deposits to total assets91.1746%312
Equity capital to assets8.4678%5,821
Core capital (leverage) ratio8.0386%6,045
Tier 1 risk-based capital ratio15.1064%3,530
Total risk-based capital ratio15.8118%3,791
Memoranda:
Average total assets$61,957,2505,565
Average earning assets$60,409,0005,443
Average equity$5,060,7505,902
Average total loans$25,501,0005,818
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4964%6,478
Cost of funding earning assets0.2329%5,644
Net interest margin2.2635%6,428
Noninterest income to average assets0.3361%4,738
Noninterest expense to average assets1.7991%6,148
Loan and lease loss provision to assets0.0320%3,644
Net operating income to assets0.7139%3,765
Return on assets (ROA)0.7299%3,773
Pretax return on assets0.7299%4,535
Return on Equity (ROE)9.0428%2,572
Retained earnings to average equity (ytd only)1.7054%5,051
Net charge-offs to loans0.0081%4,122
Credit loss provision to net charge-offs1,000.0000%322
Earnings coverage of net charge-offs (x)233.0000%292
Efficiency ratio70.6918%3,536
Assets per employee ($millions)5.6407%1,572
Cash dividends to net income (ytd only)*81.1404%867
Condition Ratios (%)
Loss allowance to loans0.8733%5,800
Loan loss allowance to noncurrent loans1,816.6667%304
Noncurrent assets plus other real estate owned to assets0.0193%6,173
Noncurrent loans to loans0.0481%5,907
Net loans and leases to total assets39.8804%5,824
Net loans and leases to deposits43.7817%5,996
Net loans and leases to core deposits44.2151%6,056
Total domestic deposits to total assets91.0892%385
Equity capital to assets8.2468%5,994
Core capital (leverage) ratio7.9145%6,151
Tier 1 risk-based capital ratio16.2545%2,956
Total risk-based capital ratio16.9801%3,172
Memoranda:
Average total assets$62,474,6705,599
Average earning assets$60,968,3305,480
Average equity$5,042,6705,947
Average total loans$24,804,6705,894
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4243%6,566
Cost of funding earning assets0.2222%5,831
Net interest margin2.2021%6,523
Noninterest income to average assets0.2744%5,178
Noninterest expense to average assets1.8568%6,134
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.5679%4,362
Return on assets (ROA)0.5998%4,281
Pretax return on assets0.5998%4,830
Return on Equity (ROE)7.5117%3,194
Retained earnings to average equity (ytd only)1.5183%5,001
Net charge-offs to loans0.0162%3,266
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)89.0000%501
Efficiency ratio76.5789%2,717
Assets per employee ($millions)5.7253%1,514
Cash dividends to net income (ytd only)*79.7872%967
Condition Ratios (%)
Loss allowance to loans0.9069%5,850
Loan loss allowance to noncurrent loans1,733.3333%327
Noncurrent assets plus other real estate owned to assets0.0191%6,252
Noncurrent loans to loans0.0523%5,993
Net loans and leases to total assets36.0872%6,068
Net loans and leases to deposits39.3024%6,193
Net loans and leases to core deposits39.6819%6,250
Total domestic deposits to total assets91.8194%293
Equity capital to assets8.0218%6,044
Core capital (leverage) ratio7.6868%6,271
Tier 1 risk-based capital ratio17.0205%2,679
Total risk-based capital ratio17.7491%2,868
Memoranda:
Average total assets$62,688,0005,651
Average earning assets$61,213,5005,534
Average equity$5,005,5005,994
Average total loans$24,725,5005,949
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4322%6,634
Cost of funding earning assets0.2799%5,762
Net interest margin2.1523%6,597
Noninterest income to average assets0.3156%5,083
Noninterest expense to average assets1.8221%6,285
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.5824%4,346
Return on assets (ROA)0.5824%4,459
Pretax return on assets0.5824%4,923
Return on Equity (ROE)7.1715%3,476
Retained earnings to average equity (ytd only)0.9615%5,408
Net charge-offs to loans-0.0168%6,110
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.7781%2,810
Assets per employee ($millions)5.1998%1,963
Cash dividends to net income (ytd only)*86.5922%727
Condition Ratios (%)
Loss allowance to loans0.7882%6,196
Loan loss allowance to noncurrent loans1,492.8571%377
Noncurrent assets plus other real estate owned to assets0.0224%6,334
Noncurrent loans to loans0.0528%6,074
Net loans and leases to total assets42.1600%5,815
Net loans and leases to deposits45.9086%6,019
Net loans and leases to core deposits46.3559%6,120
Total domestic deposits to total assets91.8347%318
Equity capital to assets7.9474%6,059
Core capital (leverage) ratio7.9717%6,154
Tier 1 risk-based capital ratio15.2436%3,524
Total risk-based capital ratio15.9019%3,811
Memoranda:
Average total assets$61,468,0005,717
Average earning assets$59,658,0005,602
Average equity$4,992,0006,070
Average total loans$23,773,6006,045
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3499%6,738
Cost of funding earning assets0.2853%5,848
Net interest margin2.0646%6,708
Noninterest income to average assets0.3375%4,990
Noninterest expense to average assets1.7593%6,400
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.5792%4,433
Return on assets (ROA)0.5792%4,566
Pretax return on assets0.5792%5,102
Return on Equity (ROE)7.0928%3,592
Retained earnings to average equity (ytd only)1.7599%5,258
Net charge-offs to loans-0.0231%6,091
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.2328%2,861
Assets per employee ($millions)5.0142%2,147
Cash dividends to net income (ytd only)*75.1875%914
Condition Ratios (%)
Loss allowance to loans0.8165%6,246
Loan loss allowance to noncurrent loans1,741.6667%298
Noncurrent assets plus other real estate owned to assets0.0199%6,432
Noncurrent loans to loans0.0469%6,205
Net loans and leases to total assets42.1921%5,890
Net loans and leases to deposits46.1129%6,091
Net loans and leases to core deposits46.5799%6,188
Total domestic deposits to total assets91.4974%371
Equity capital to assets8.2982%5,918
Core capital (leverage) ratio8.2250%6,039
Tier 1 risk-based capital ratio15.7850%3,308
Total risk-based capital ratio16.4641%3,577
Memoranda:
Average total assets$61,235,5005,788
Average earning assets$59,348,0005,669
Average equity$5,000,2506,137
Average total loans$23,088,0006,136
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2455%6,809
Cost of funding earning assets0.2874%5,924
Net interest margin1.9581%6,780
Noninterest income to average assets0.3345%5,014
Noninterest expense to average assets1.7503%6,449
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.4871%4,854
Return on assets (ROA)0.4871%5,030
Pretax return on assets0.4871%5,416
Return on Equity (ROE)5.9968%4,178
Retained earnings to average equity (ytd only)1.1994%5,423
Net charge-offs to loans-0.0360%6,142
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.2293%2,422
Assets per employee ($millions)4.7916%2,393
Cash dividends to net income (ytd only)*80.0000%906
Condition Ratios (%)
Loss allowance to loans0.9216%6,073
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,597
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets39.0789%6,104
Net loans and leases to deposits42.8702%6,289
Net loans and leases to core deposits43.0773%6,366
Total domestic deposits to total assets91.1564%491
Equity capital to assets8.6402%5,626
Core capital (leverage) ratio8.0941%6,114
Tier 1 risk-based capital ratio17.2918%2,592
Total risk-based capital ratio18.0413%2,764
Memoranda:
Average total assets$61,590,6705,820
Average earning assets$59,854,0005,698
Average equity$5,002,6706,182
Average total loans$22,252,0006,208
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1199%6,913
Cost of funding earning assets0.2908%6,037
Net interest margin1.8290%6,884
Noninterest income to average assets0.2954%5,344
Noninterest expense to average assets1.6909%6,566
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.3834%5,193
Return on assets (ROA)0.3834%5,338
Pretax return on assets0.3834%5,616
Return on Equity (ROE)4.8606%4,657
Retained earnings to average equity (ytd only)4.8606%3,323
Net charge-offs to loans-0.0545%6,168
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.5152%2,112
Assets per employee ($millions)5.2768%1,891
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.9762%6,063
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,664
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets33.3223%6,449
Net loans and leases to deposits36.2668%6,564
Net loans and leases to core deposits36.9023%6,597
Total domestic deposits to total assets91.8811%268
Equity capital to assets7.9658%6,396
Core capital (leverage) ratio7.5092%6,467
Tier 1 risk-based capital ratio18.5031%2,194
Total risk-based capital ratio19.2962%2,307
Memoranda:
Average total assets$63,636,5005,814
Average earning assets$61,890,5005,682
Average equity$5,020,0006,237
Average total loans$22,038,5006,275
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5913%6,907
Cost of funding earning assets0.4457%5,614
Net interest margin2.1456%6,891
Noninterest income to average assets0.4453%4,280
Noninterest expense to average assets1.9694%6,386
Loan and lease loss provision to assets-0.4110%7,032
Net operating income to assets0.9642%2,483
Return on assets (ROA)0.9642%2,720
Pretax return on assets0.9642%3,686
Return on Equity (ROE)10.8253%1,864
Retained earnings to average equity (ytd only)-2.8265%6,251
Net charge-offs to loans-1.4209%7,033
Credit loss provision to net charge-offs78.4314%3,875
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.0720%2,436
Assets per employee ($millions)5.3293%1,862
Cash dividends to net income (ytd only)*126.1101%299
Condition Ratios (%)
Loss allowance to loans0.9003%6,262
Loan loss allowance to noncurrent loans1,576.9231%327
Noncurrent assets plus other real estate owned to assets0.0203%6,621
Noncurrent loans to loans0.0571%6,350
Net loans and leases to total assets35.2827%6,479
Net loans and leases to deposits38.3604%6,624
Net loans and leases to core deposits38.5255%6,655
Total domestic deposits to total assets91.9768%247
Equity capital to assets7.8121%6,493
Core capital (leverage) ratio8.1009%6,088
Tier 1 risk-based capital ratio17.2753%2,535
Total risk-based capital ratio18.0143%2,730
Memoranda:
Average total assets$58,392,0005,962
Average earning assets$56,535,2005,848
Average equity$5,200,8006,246
Average total loans$21,536,0006,359
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6506%7,015
Cost of funding earning assets0.4712%5,627
Net interest margin2.1794%6,996
Noninterest income to average assets0.4538%4,265
Noninterest expense to average assets1.8946%6,533
Loan and lease loss provision to assets-0.5614%7,148
Net operating income to assets1.2303%1,628
Return on assets (ROA)1.2303%1,802
Pretax return on assets1.2303%2,869
Return on Equity (ROE)13.3534%1,255
Retained earnings to average equity (ytd only)1.0409%5,751
Net charge-offs to loans-1.9471%7,132
Credit loss provision to net charge-offs77.4194%3,695
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9051%3,001
Assets per employee ($millions)4.7820%2,486
Cash dividends to net income (ytd only)*92.2047%425
Condition Ratios (%)
Loss allowance to loans0.9328%6,290
Loan loss allowance to noncurrent loans20,900.0000%23
Noncurrent assets plus other real estate owned to assets0.0017%6,816
Noncurrent loans to loans0.0045%6,679
Net loans and leases to total assets38.6815%6,378
Net loans and leases to deposits43.4894%6,529
Net loans and leases to core deposits43.7052%6,611
Total domestic deposits to total assets88.9447%1,465
Equity capital to assets9.0809%5,738
Core capital (leverage) ratio8.5586%5,679
Tier 1 risk-based capital ratio18.5484%2,145
Total risk-based capital ratio19.3267%2,281
Memoranda:
Average total assets$57,002,0006,068
Average earning assets$55,181,7505,957
Average equity$5,252,0006,289
Average total loans$21,227,7506,453
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6089%7,099
Cost of funding earning assets0.4826%5,738
Net interest margin2.1263%7,071
Noninterest income to average assets0.4501%4,284
Noninterest expense to average assets1.8743%6,652
Loan and lease loss provision to assets-0.8440%7,221
Net operating income to assets1.4804%1,026
Return on assets (ROA)1.4804%1,151
Pretax return on assets1.4804%1,920
Return on Equity (ROE)15.9904%770
Retained earnings to average equity (ytd only)1.3673%5,509
Net charge-offs to loans-2.9758%7,195
Credit loss provision to net charge-offs77.4194%3,389
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6499%2,959
Assets per employee ($millions)5.0908%2,044
Cash dividends to net income (ytd only)*91.4489%570
Condition Ratios (%)
Loss allowance to loans1.0193%6,077
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets33.2220%6,761
Net loans and leases to deposits37.0509%6,839
Net loans and leases to core deposits37.2215%6,885
Total domestic deposits to total assets89.6659%1,117
Equity capital to assets8.5171%6,196
Core capital (leverage) ratio8.2681%5,966
Tier 1 risk-based capital ratio20.1956%1,664
Total risk-based capital ratio21.0439%1,728
Memoranda:
Average total assets$56,874,6706,112
Average earning assets$55,119,0005,992
Average equity$5,265,6706,313
Average total loans$20,835,0006,520
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7602%7,123
Cost of funding earning assets0.5128%5,733
Net interest margin2.2474%7,078
Noninterest income to average assets0.4674%4,164
Noninterest expense to average assets1.9208%6,607
Loan and lease loss provision to assets-1.7529%7,296
Net operating income to assets2.4759%187
Return on assets (ROA)2.4759%226
Pretax return on assets2.4759%342
Return on Equity (ROE)25.5994%170
Retained earnings to average equity (ytd only)21.0685%158
Net charge-offs to loans-5.9046%7,259
Credit loss provision to net charge-offs77.4194%2,776
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.6519%3,318
Assets per employee ($millions)4.6978%2,664
Cash dividends to net income (ytd only)*17.6991%2,393
Condition Ratios (%)
Loss allowance to loans1.1732%5,624
Loan loss allowance to noncurrent loans20,900.0000%28
Noncurrent assets plus other real estate owned to assets0.0018%6,959
Noncurrent loans to loans0.0056%6,789
Net loans and leases to total assets31.2307%6,865
Net loans and leases to deposits35.2988%6,911
Net loans and leases to core deposits35.4774%6,957
Total domestic deposits to total assets88.4752%2,024
Equity capital to assets9.5700%4,693
Core capital (leverage) ratio8.5673%5,482
Tier 1 risk-based capital ratio23.3994%1,082
Total risk-based capital ratio24.3364%1,105
Memoranda:
Average total assets$54,767,5006,209
Average earning assets$53,039,5006,097
Average equity$5,297,0006,337
Average total loans$21,000,5006,564
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3270%7,087
Cost of funding earning assets0.6530%5,809
Net interest margin2.6740%6,946
Noninterest income to average assets0.4450%4,263
Noninterest expense to average assets2.1087%6,478
Loan and lease loss provision to assets0.4813%2,196
Net operating income to assets0.4049%4,838
Return on assets (ROA)0.5940%4,207
Pretax return on assets0.5940%4,715
Return on Equity (ROE)6.1829%3,781
Retained earnings to average equity (ytd only)0.8151%5,478
Net charge-offs to loans2.1264%621
Credit loss provision to net charge-offs52.9412%5,352
Earnings coverage of net charge-offs (x)0.9748%5,066
Efficiency ratio70.4082%3,865
Assets per employee ($millions)4.4301%3,019
Cash dividends to net income (ytd only)*86.8167%592
Condition Ratios (%)
Loss allowance to loans0.5747%7,033
Loan loss allowance to noncurrent loans79.8851%3,660
Noncurrent assets plus other real estate owned to assets0.3273%6,155
Noncurrent loans to loans0.7194%5,260
Net loans and leases to total assets45.2343%6,085
Net loans and leases to deposits51.3561%6,264
Net loans and leases to core deposits51.6329%6,445
Total domestic deposits to total assets88.0796%2,102
Equity capital to assets9.7797%4,467
Core capital (leverage) ratio8.7442%5,185
Tier 1 risk-based capital ratio17.2451%2,491
Total risk-based capital ratio17.7304%2,796
Memoranda:
Average total assets$52,354,6006,293
Average earning assets$49,925,2006,193
Average equity$5,030,0006,436
Average total loans$22,384,8006,536
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3019%7,177
Cost of funding earning assets0.6835%5,861
Net interest margin2.6184%7,059
Noninterest income to average assets0.3784%4,834
Noninterest expense to average assets2.0554%6,583
Loan and lease loss provision to assets0.5803%1,694
Net operating income to assets0.2301%5,618
Return on assets (ROA)0.4832%4,811
Pretax return on assets0.4832%5,216
Return on Equity (ROE)5.0522%4,511
Retained earnings to average equity (ytd only)0.7753%5,703
Net charge-offs to loans2.8934%336
Credit loss provision to net charge-offs47.6891%5,083
Earnings coverage of net charge-offs (x)0.6660%5,125
Efficiency ratio71.7217%3,610
Assets per employee ($millions)4.3158%3,248
Cash dividends to net income (ytd only)*84.6581%527
Condition Ratios (%)
Loss allowance to loans0.5082%7,163
Loan loss allowance to noncurrent loans61.2903%4,397
Noncurrent assets plus other real estate owned to assets0.3591%6,182
Noncurrent loans to loans0.8292%5,212
Net loans and leases to total assets43.0894%6,424
Net loans and leases to deposits49.0764%6,563
Net loans and leases to core deposits49.0764%6,711
Total domestic deposits to total assets87.8007%2,166
Equity capital to assets10.0270%4,305
Core capital (leverage) ratio9.4907%4,162
Tier 1 risk-based capital ratio18.2164%2,180
Total risk-based capital ratio18.6379%2,460
Memoranda:
Average total assets$52,153,0006,353
Average earning assets$49,545,5006,263
Average equity$4,987,7506,504
Average total loans$21,934,5006,620
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2052%7,281
Cost of funding earning assets0.7096%5,907
Net interest margin2.4956%7,189
Noninterest income to average assets0.3711%4,897
Noninterest expense to average assets2.1043%6,583
Loan and lease loss provision to assets0.8685%1,035
Net operating income to assets-0.2334%6,499
Return on assets (ROA)0.1454%5,991
Pretax return on assets0.1454%6,029
Return on Equity (ROE)1.5449%5,922
Retained earnings to average equity (ytd only)-0.4879%5,962
Net charge-offs to loans4.3731%169
Credit loss provision to net charge-offs47.6891%4,643
Earnings coverage of net charge-offs (x)0.3487%5,045
Efficiency ratio76.8156%2,885
Assets per employee ($millions)4.3366%3,105
Cash dividends to net income (ytd only)*131.5789%248
Condition Ratios (%)
Loss allowance to loans0.5587%7,188
Loan loss allowance to noncurrent loans66.6667%4,106
Noncurrent assets plus other real estate owned to assets1.0627%4,762
Noncurrent loans to loans0.8380%5,256
Net loans and leases to total assets38.9919%6,802
Net loans and leases to deposits44.2552%6,914
Net loans and leases to core deposits44.2552%6,997
Total domestic deposits to total assets88.1070%2,073
Equity capital to assets9.7446%4,470
Core capital (leverage) ratio9.0515%4,644
Tier 1 risk-based capital ratio19.2256%1,778
Total risk-based capital ratio19.6742%1,985
Memoranda:
Average total assets$52,274,0006,401
Average earning assets$49,606,6706,313
Average equity$4,919,3306,562
Average total loans$21,769,3306,698
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1002%7,374
Cost of funding earning assets0.7351%5,950
Net interest margin2.3651%7,272
Noninterest income to average assets0.3817%4,858
Noninterest expense to average assets2.0996%6,635
Loan and lease loss provision to assets1.7331%339
Net operating income to assets-1.1910%7,094
Return on assets (ROA)-1.1834%7,095
Pretax return on assets-1.1834%7,052
Return on Equity (ROE)-12.8007%7,092
Retained earnings to average equity (ytd only)-16.9299%7,092
Net charge-offs to loans8.4805%50
Credit loss provision to net charge-offs47.6891%3,806
Earnings coverage of net charge-offs (x)0.1492%4,491
Efficiency ratio79.4798%2,622
Assets per employee ($millions)4.4934%2,902
Cash dividends to net income (ytd only)*-32.2581%7,526
Condition Ratios (%)
Loss allowance to loans0.5906%7,214
Loan loss allowance to noncurrent loans55.3398%4,687
Noncurrent assets plus other real estate owned to assets1.0256%4,855
Noncurrent loans to loans1.0673%4,916
Net loans and leases to total assets35.5835%7,019
Net loans and leases to deposits39.9679%7,102
Net loans and leases to core deposits39.9679%7,166
Total domestic deposits to total assets89.0302%1,755
Equity capital to assets8.9093%5,332
Core capital (leverage) ratio8.6536%5,165
Tier 1 risk-based capital ratio19.1036%1,775
Total risk-based capital ratio19.5677%1,969
Memoranda:
Average total assets$52,391,5006,441
Average earning assets$50,061,0006,342
Average equity$4,843,5006,606
Average total loans$22,451,5006,714
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8029%7,251
Cost of funding earning assets0.9502%5,935
Net interest margin2.8527%6,970
Noninterest income to average assets0.4201%4,743
Noninterest expense to average assets2.1218%6,793
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets0.9944%2,060
Return on assets (ROA)0.9963%2,154
Pretax return on assets0.9963%2,941
Return on Equity (ROE)10.4083%1,788
Retained earnings to average equity (ytd only)-0.2617%5,661
Net charge-offs to loans0.0669%6,127
Credit loss provision to net charge-offs0.0000%6,628
Earnings coverage of net charge-offs (x)32.2500%691
Efficiency ratio68.0891%4,546
Assets per employee ($millions)4.2385%3,311
Cash dividends to net income (ytd only)*102.5145%354
Condition Ratios (%)
Loss allowance to loans1.4179%4,435
Loan loss allowance to noncurrent loans31.9542%6,176
Noncurrent assets plus other real estate owned to assets2.2335%3,051
Noncurrent loans to loans4.4372%1,604
Net loans and leases to total assets49.6225%6,197
Net loans and leases to deposits56.2994%6,416
Net loans and leases to core deposits57.2053%6,622
Total domestic deposits to total assets88.1405%2,159
Equity capital to assets9.6005%4,270
Core capital (leverage) ratio9.2084%4,156
Tier 1 risk-based capital ratio15.9949%2,754
Total risk-based capital ratio17.2091%2,726
Memoranda:
Average total assets$51,889,6006,468
Average earning assets$49,041,4006,405
Average equity$4,967,2006,672
Average total loans$23,915,6006,733
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8036%7,398
Cost of funding earning assets0.9815%6,029
Net interest margin2.8221%7,105
Noninterest income to average assets0.3810%5,108
Noninterest expense to average assets2.0685%6,922
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets0.9665%2,350
Return on assets (ROA)0.9690%2,459
Pretax return on assets0.9690%3,296
Return on Equity (ROE)10.1302%2,077
Retained earnings to average equity (ytd only)-0.2941%5,856
Net charge-offs to loans0.0908%5,614
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)23.6282%1,055
Efficiency ratio68.1550%4,440
Assets per employee ($millions)4.3487%3,174
Cash dividends to net income (ytd only)*102.9031%331
Condition Ratios (%)
Loss allowance to loans1.5255%3,847
Loan loss allowance to noncurrent loans31.9542%6,215
Noncurrent assets plus other real estate owned to assets2.1769%3,238
Noncurrent loans to loans4.7741%1,473
Net loans and leases to total assets44.9027%6,779
Net loans and leases to deposits50.9968%6,948
Net loans and leases to core deposits51.7949%7,056
Total domestic deposits to total assets88.0500%1,929
Equity capital to assets9.7348%4,494
Core capital (leverage) ratio9.6084%3,754
Tier 1 risk-based capital ratio17.0814%2,312
Total risk-based capital ratio18.3311%2,275
Memoranda:
Average total assets$52,146,5006,532
Average earning assets$49,039,7506,471
Average equity$4,988,2506,753
Average total loans$23,494,0006,841
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8675%7,450
Cost of funding earning assets1.0162%6,070
Net interest margin2.8512%7,079
Noninterest income to average assets0.3798%5,085
Noninterest expense to average assets2.0793%6,962
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets0.9591%2,335
Return on assets (ROA)0.9629%2,406
Pretax return on assets0.9629%3,265
Return on Equity (ROE)10.1257%2,062
Retained earnings to average equity (ytd only)-0.7665%5,920
Net charge-offs to loans0.1197%4,981
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)17.8571%1,315
Efficiency ratio68.4343%4,493
Assets per employee ($millions)4.1342%3,519
Cash dividends to net income (ytd only)*107.5697%382
Condition Ratios (%)
Loss allowance to loans1.6386%3,291
Loan loss allowance to noncurrent loans30.9584%6,299
Noncurrent assets plus other real estate owned to assets2.3765%3,035
Noncurrent loans to loans5.2929%1,272
Net loans and leases to total assets44.1645%6,907
Net loans and leases to deposits50.3724%7,053
Net loans and leases to core deposits51.2036%7,165
Total domestic deposits to total assets87.6759%2,171
Equity capital to assets10.0181%4,006
Core capital (leverage) ratio9.3837%3,986
Tier 1 risk-based capital ratio17.7118%2,028
Total risk-based capital ratio18.9616%2,002
Memoranda:
Average total assets$52,134,0006,581
Average earning assets$48,610,6706,522
Average equity$4,957,6706,790
Average total loans$23,393,6706,893
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8591%7,549
Cost of funding earning assets1.0443%6,157
Net interest margin2.8148%7,161
Noninterest income to average assets0.3821%5,078
Noninterest expense to average assets2.0151%7,134
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.9514%2,355
Return on assets (ROA)0.9514%2,423
Pretax return on assets0.9514%3,262
Return on Equity (ROE)10.2595%2,017
Retained earnings to average equity (ytd only)-1.0502%6,059
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.9293%4,738
Assets per employee ($millions)4.3759%3,168
Cash dividends to net income (ytd only)*110.2362%497
Condition Ratios (%)
Loss allowance to loans1.8122%2,698
Loan loss allowance to noncurrent loans31.7687%6,299
Noncurrent assets plus other real estate owned to assets2.2719%3,187
Noncurrent loans to loans5.7043%1,192
Net loans and leases to total assets39.1061%7,302
Net loans and leases to deposits44.2174%7,396
Net loans and leases to core deposits44.8980%7,456
Total domestic deposits to total assets88.4405%1,826
Equity capital to assets9.3923%4,683
Core capital (leverage) ratio9.0301%4,510
Tier 1 risk-based capital ratio17.1515%2,217
Total risk-based capital ratio18.4032%2,168
Memoranda:
Average total assets$53,396,0006,624
Average earning assets$49,027,0006,588
Average equity$4,951,5006,860
Average total loans$23,953,0006,948
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8143%6,919
Cost of funding earning assets1.3260%6,216
Net interest margin3.4883%5,009
Noninterest income to average assets0.4508%4,802
Noninterest expense to average assets2.3925%6,489
Loan and lease loss provision to assets0.0827%6,781
Net operating income to assets1.1580%1,366
Return on assets (ROA)1.1601%1,384
Pretax return on assets1.1601%2,064
Return on Equity (ROE)11.3009%1,355
Retained earnings to average equity (ytd only)0.8259%4,440
Net charge-offs to loans0.0039%7,191
Credit loss provision to net charge-offs4,000.0000%87
Earnings coverage of net charge-offs (x)600.0000%44
Efficiency ratio65.8509%5,422
Assets per employee ($millions)4.5234%2,881
Cash dividends to net income (ytd only)*92.6916%786
Condition Ratios (%)
Loss allowance to loans1.4041%4,217
Loan loss allowance to noncurrent loans31.7687%6,340
Noncurrent assets plus other real estate owned to assets2.1978%3,128
Noncurrent loans to loans4.4198%1,618
Net loans and leases to total assets49.0282%6,728
Net loans and leases to deposits55.2974%6,965
Net loans and leases to core deposits63.8324%7,096
Total domestic deposits to total assets88.6627%1,649
Equity capital to assets9.1579%4,906
Core capital (leverage) ratio9.2352%4,074
Tier 1 risk-based capital ratio14.0860%3,449
Total risk-based capital ratio15.1993%3,485
Memoranda:
Average total assets$48,359,8006,775
Average earning assets$44,119,0006,760
Average equity$4,964,2006,953
Average total loans$25,622,6006,876
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8457%7,023
Cost of funding earning assets1.3783%6,308
Net interest margin3.4674%5,003
Noninterest income to average assets0.4977%4,502
Noninterest expense to average assets2.3606%6,526
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets1.3424%1,137
Return on assets (ROA)1.3424%1,199
Pretax return on assets1.3424%1,842
Return on Equity (ROE)12.6815%1,182
Retained earnings to average equity (ytd only)1.6657%4,379
Net charge-offs to loans0.0053%6,891
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)473.1729%72
Efficiency ratio63.7481%5,802
Assets per employee ($millions)4.0442%3,646
Cash dividends to net income (ytd only)*86.8636%795
Condition Ratios (%)
Loss allowance to loans1.3084%4,448
Loan loss allowance to noncurrent loans27.5834%6,621
Noncurrent assets plus other real estate owned to assets2.5325%2,740
Noncurrent loans to loans4.7433%1,441
Net loans and leases to total assets52.6911%6,539
Net loans and leases to deposits60.4073%6,798
Net loans and leases to core deposits70.7339%6,923
Total domestic deposits to total assets87.2265%2,064
Equity capital to assets10.3173%3,709
Core capital (leverage) ratio9.9644%3,323
Tier 1 risk-based capital ratio15.0618%3,010
Total risk-based capital ratio16.1220%3,044
Memoranda:
Average total assets$46,879,5006,881
Average earning assets$43,336,5006,846
Average equity$4,962,5007,011
Average total loans$25,280,2506,954
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8613%7,114
Cost of funding earning assets1.4392%6,354
Net interest margin3.4221%5,090
Noninterest income to average assets0.5137%4,320
Noninterest expense to average assets2.3570%6,604
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets1.3080%1,212
Return on assets (ROA)1.3080%1,288
Pretax return on assets1.3080%2,001
Return on Equity (ROE)12.2482%1,349
Retained earnings to average equity (ytd only)-0.2830%5,295
Net charge-offs to loans0.0080%6,471
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)303.0000%128
Efficiency ratio64.3110%5,850
Assets per employee ($millions)3.8160%4,058
Cash dividends to net income (ytd only)*102.3102%690
Condition Ratios (%)
Loss allowance to loans1.4020%3,709
Loan loss allowance to noncurrent loans28.8511%6,576
Noncurrent assets plus other real estate owned to assets2.5660%2,514
Noncurrent loans to loans4.8594%1,284
Net loans and leases to total assets52.0637%6,684
Net loans and leases to deposits60.0665%6,882
Net loans and leases to core deposits67.9211%7,127
Total domestic deposits to total assets86.6767%2,417
Equity capital to assets10.7377%3,171
Core capital (leverage) ratio10.0583%3,232
Tier 1 risk-based capital ratio15.9988%2,627
Total risk-based capital ratio17.1413%2,606
Memoranda:
Average total assets$46,329,3306,969
Average earning assets$42,663,6706,940
Average equity$4,947,6707,085
Average total loans$25,070,3307,024
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9064%7,162
Cost of funding earning assets1.5220%6,335
Net interest margin3.3843%5,195
Noninterest income to average assets0.4550%4,721
Noninterest expense to average assets2.1975%6,872
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.3305%1,312
Return on assets (ROA)1.3305%1,411
Pretax return on assets1.3305%2,174
Return on Equity (ROE)12.4924%1,518
Retained earnings to average equity (ytd only)-0.4030%5,744
Net charge-offs to loans0.0157%5,359
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)155.0000%282
Efficiency ratio62.2871%6,000
Assets per employee ($millions)3.8608%3,959
Cash dividends to net income (ytd only)*103.2258%733
Condition Ratios (%)
Loss allowance to loans1.4330%3,327
Loan loss allowance to noncurrent loans70.9205%4,050
Noncurrent assets plus other real estate owned to assets1.0317%4,631
Noncurrent loans to loans2.0206%3,235
Net loans and leases to total assets50.3281%6,833
Net loans and leases to deposits57.9982%7,038
Net loans and leases to core deposits65.8840%7,245
Total domestic deposits to total assets86.7753%2,323
Equity capital to assets10.6713%3,312
Core capital (leverage) ratio9.9717%3,435
Tier 1 risk-based capital ratio12.7830%4,334
Total risk-based capital ratio13.6955%4,502
Memoranda:
Average total assets$46,598,0007,005
Average earning assets$42,312,5007,007
Average equity$4,963,0007,122
Average total loans$25,515,5007,026
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7217%6,703
Cost of funding earning assets1.9573%6,545
Net interest margin3.7644%4,164
Noninterest income to average assets0.4803%4,794
Noninterest expense to average assets2.3602%6,531
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets1.6222%805
Return on assets (ROA)1.6331%743
Pretax return on assets1.6331%1,303
Return on Equity (ROE)14.9834%929
Retained earnings to average equity (ytd only)-3.0447%6,121
Net charge-offs to loans-0.0113%7,866
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.2654%6,482
Assets per employee ($millions)3.9055%3,716
Cash dividends to net income (ytd only)*120.3209%675
Condition Ratios (%)
Loss allowance to loans1.2420%4,221
Loan loss allowance to noncurrent loans618.1818%732
Noncurrent assets plus other real estate owned to assets0.1174%7,109
Noncurrent loans to loans0.2009%6,784
Net loans and leases to total assets57.6857%6,249
Net loans and leases to deposits64.8741%6,727
Net loans and leases to core deposits73.3252%7,006
Total domestic deposits to total assets88.9195%1,078
Equity capital to assets10.6303%3,363
Core capital (leverage) ratio10.2433%3,219
Tier 1 risk-based capital ratio14.3145%3,387
Total risk-based capital ratio15.3383%3,416
Memoranda:
Average total assets$45,801,8006,945
Average earning assets$42,609,4006,922
Average equity$4,992,2007,146
Average total loans$26,652,4006,924