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Fulton Bank, Performance and Condition Ratios

2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6182%1,741
Cost of funding earning assets2.1425%1,780
Net interest margin3.4757%2,015
Noninterest income to average assets1.3200%407
Noninterest expense to average assets2.6998%1,682
Loan and lease loss provision to assets0.3000%330
Net operating income to assets1.2967%1,265
Return on assets (ROA)1.1615%1,575
Pretax return on assets1.3374%1,608
Return on Equity (ROE)11.3600%1,787
Retained earnings to average equity (ytd only)11.3584%632
Net charge-offs to loans0.1783%592
Credit loss provision to net charge-offs233.8174%934
Earnings coverage of net charge-offs (x)12.9732%1,869
Efficiency ratio59.3372%3,270
Assets per employee ($millions)8.3809%1,256
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans1.5578%937
Loan loss allowance to noncurrent loans213.9919%2,212
Noncurrent assets plus other real estate owned to assets0.5597%1,216
Noncurrent loans to loans0.7280%1,282
Net loans and leases to total assets75.0700%1,284
Net loans and leases to deposits92.2180%1,101
Net loans and leases to core deposits99.0777%1,542
Total domestic deposits to total assets81.4000%3,199
Equity capital to assets10.1657%1,980
Core capital (leverage) ratio9.5891%3,165
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0264%2,245
Memoranda:
Average total assets$28,868,355,66773
Average earning assets$26,347,619,33371
Average equity$2,952,140,66778
Average total loans$22,317,643,33362
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4300%1,947
Cost of funding earning assets2.0439%1,891
Net interest margin3.3860%2,144
Noninterest income to average assets0.8200%788
Noninterest expense to average assets2.5350%2,149
Loan and lease loss provision to assets0.1600%649
Net operating income to assets0.9898%1,956
Return on assets (ROA)0.9762%2,008
Pretax return on assets1.1971%1,898
Return on Equity (ROE)9.5100%2,259
Retained earnings to average equity (ytd only)9.5132%1,206
Net charge-offs to loans0.1606%531
Credit loss provision to net charge-offs152.1694%938
Earnings coverage of net charge-offs (x)10.9457%1,607
Efficiency ratio64.7069%2,720
Assets per employee ($millions)8.1582%1,358
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.3885%1,427
Loan loss allowance to noncurrent loans190.7130%2,460
Noncurrent assets plus other real estate owned to assets0.5685%1,130
Noncurrent loans to loans0.7280%1,216
Net loans and leases to total assets76.8600%969
Net loans and leases to deposits96.3607%692
Net loans and leases to core deposits105.1543%1,144
Total domestic deposits to total assets79.7600%3,554
Equity capital to assets10.3733%1,795
Core capital (leverage) ratio9.8738%2,867
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0547%2,220
Memoranda:
Average total assets$27,479,348,50076
Average earning assets$25,020,007,00075
Average equity$2,819,673,50081
Average total loans$21,410,053,00064
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1560%1,750
Cost of funding earning assets1.6155%1,651
Net interest margin3.5405%2,090
Noninterest income to average assets0.8800%794
Noninterest expense to average assets2.4836%2,344
Loan and lease loss provision to assets0.2000%621
Net operating income to assets1.1532%1,775
Return on assets (ROA)1.1377%1,792
Pretax return on assets1.3989%1,635
Return on Equity (ROE)10.9900%2,229
Retained earnings to average equity (ytd only)0.3197%3,981
Net charge-offs to loans0.1390%725
Credit loss provision to net charge-offs182.6844%1,294
Earnings coverage of net charge-offs (x)15.0754%2,059
Efficiency ratio60.3492%3,035
Assets per employee ($millions)8.0236%1,422
Cash dividends to net income (ytd only)*97.0918%305
Condition Ratios (%)
Loss allowance to loans1.3733%1,496
Loan loss allowance to noncurrent loans190.3058%2,577
Noncurrent assets plus other real estate owned to assets0.5653%989
Noncurrent loans to loans0.7216%1,080
Net loans and leases to total assets76.8100%1,000
Net loans and leases to deposits96.9568%717
Net loans and leases to core deposits105.1309%1,156
Total domestic deposits to total assets79.2200%3,578
Equity capital to assets10.1485%1,919
Core capital (leverage) ratio9.6249%3,139
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8052%2,303
Memoranda:
Average total assets$27,157,727,60077
Average earning assets$24,693,787,80074
Average equity$2,810,903,60075
Average total loans$20,916,741,00063
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0641%1,703
Cost of funding earning assets1.5042%1,592
Net interest margin3.5599%2,089
Noninterest income to average assets0.8700%813
Noninterest expense to average assets2.4415%2,401
Loan and lease loss provision to assets0.2200%486
Net operating income to assets1.1856%1,831
Return on assets (ROA)1.1726%1,855
Pretax return on assets1.4351%1,701
Return on Equity (ROE)11.2700%2,306
Retained earnings to average equity (ytd only)11.2734%1,110
Net charge-offs to loans0.1350%600
Credit loss provision to net charge-offs210.9244%1,087
Earnings coverage of net charge-offs (x)16.0609%1,943
Efficiency ratio59.1627%3,071
Assets per employee ($millions)7.9461%1,372
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.3810%1,526
Loan loss allowance to noncurrent loans205.8440%2,465
Noncurrent assets plus other real estate owned to assets0.5313%1,100
Noncurrent loans to loans0.6709%1,231
Net loans and leases to total assets76.7200%1,029
Net loans and leases to deposits96.8476%696
Net loans and leases to core deposits103.6686%1,137
Total domestic deposits to total assets79.2200%3,652
Equity capital to assets10.5158%1,549
Core capital (leverage) ratio10.4957%2,395
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8959%1,935
Memoranda:
Average total assets$27,088,959,25079
Average earning assets$24,619,519,50076
Average equity$2,817,626,75075
Average total loans$20,804,532,25063
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9193%1,717
Cost of funding earning assets1.3521%1,576
Net interest margin3.5672%2,105
Noninterest income to average assets0.8500%770
Noninterest expense to average assets2.3909%2,521
Loan and lease loss provision to assets0.2500%390
Net operating income to assets1.1953%1,843
Return on assets (ROA)1.1826%1,869
Pretax return on assets1.4396%1,725
Return on Equity (ROE)11.4100%2,326
Retained earnings to average equity (ytd only)11.4117%1,101
Net charge-offs to loans0.1545%505
Credit loss provision to net charge-offs213.1518%1,022
Earnings coverage of net charge-offs (x)14.4357%1,875
Efficiency ratio58.0443%3,187
Assets per employee ($millions)7.9992%1,317
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.3650%1,657
Loan loss allowance to noncurrent loans193.5871%2,627
Noncurrent assets plus other real estate owned to assets0.5582%972
Noncurrent loans to loans0.7051%1,056
Net loans and leases to total assets76.1000%1,039
Net loans and leases to deposits97.1408%663
Net loans and leases to core deposits103.3272%1,079
Total domestic deposits to total assets78.3400%3,806
Equity capital to assets10.5446%1,579
Core capital (leverage) ratio10.2975%2,483
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4707%2,109
Memoranda:
Average total assets$27,036,260,66777
Average earning assets$24,585,998,00074
Average equity$2,801,750,66774
Average total loans$20,673,569,66762
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7390%1,759
Cost of funding earning assets1.1305%1,662
Net interest margin3.6085%2,109
Noninterest income to average assets0.8000%855
Noninterest expense to average assets2.3531%2,660
Loan and lease loss provision to assets0.3600%227
Net operating income to assets1.1166%2,176
Return on assets (ROA)1.1043%2,177
Pretax return on assets1.3522%2,011
Return on Equity (ROE)10.7500%2,559
Retained earnings to average equity (ytd only)10.7522%1,526
Net charge-offs to loans0.2735%280
Credit loss provision to net charge-offs166.6286%909
Earnings coverage of net charge-offs (x)8.3073%1,725
Efficiency ratio57.3953%3,256
Assets per employee ($millions)8.1264%1,279
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.3479%1,827
Loan loss allowance to noncurrent loans167.7733%2,847
Noncurrent assets plus other real estate owned to assets0.6276%804
Noncurrent loans to loans0.8034%959
Net loans and leases to total assets75.5600%1,016
Net loans and leases to deposits94.9942%720
Net loans and leases to core deposits100.5352%1,066
Total domestic deposits to total assets79.5400%3,826
Equity capital to assets10.4411%1,596
Core capital (leverage) ratio10.0901%2,598
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9289%2,416
Memoranda:
Average total assets$26,907,671,50081
Average earning assets$24,463,291,00078
Average equity$2,763,635,00077
Average total loans$20,480,986,00066
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5294%3,002
Cost of funding earning assets0.2384%3,425
Net interest margin3.2910%2,589
Noninterest income to average assets0.8700%852
Noninterest expense to average assets2.2954%2,748
Loan and lease loss provision to assets0.0800%1,457
Net operating income to assets1.2318%1,655
Return on assets (ROA)1.2242%1,636
Pretax return on assets1.5011%1,455
Return on Equity (ROE)11.4100%2,339
Retained earnings to average equity (ytd only)4.3400%3,288
Net charge-offs to loans0.0363%1,364
Credit loss provision to net charge-offs268.4701%967
Earnings coverage of net charge-offs (x)59.0824%1,267
Efficiency ratio59.0334%3,183
Assets per employee ($millions)8.2878%1,189
Cash dividends to net income (ytd only)*61.9600%886
Condition Ratios (%)
Loss allowance to loans1.3279%1,768
Loan loss allowance to noncurrent loans150.1734%2,966
Noncurrent assets plus other real estate owned to assets0.6904%700
Noncurrent loans to loans0.8842%836
Net loans and leases to total assets74.6300%1,164
Net loans and leases to deposits96.0735%632
Net loans and leases to core deposits97.6494%1,118
Total domestic deposits to total assets77.6800%4,121
Equity capital to assets10.0994%1,665
Core capital (leverage) ratio10.0872%2,557
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7460%2,473
Memoranda:
Average total assets$26,367,214,00084
Average earning assets$24,095,735,20081
Average equity$2,829,243,80078
Average total loans$19,507,592,80067
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3734%2,985
Cost of funding earning assets0.1256%4,070
Net interest margin3.2478%2,467
Noninterest income to average assets0.9300%770
Noninterest expense to average assets2.3501%2,475
Loan and lease loss provision to assets0.0300%2,122
Net operating income to assets1.2423%1,545
Return on assets (ROA)1.2355%1,547
Pretax return on assets1.5129%1,381
Return on Equity (ROE)11.3900%2,242
Retained earnings to average equity (ytd only)11.3855%947
Net charge-offs to loans-0.0335%4,165
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio60.1714%3,094
Assets per employee ($millions)7.6920%1,493
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.3475%1,816
Loan loss allowance to noncurrent loans128.2470%3,179
Noncurrent assets plus other real estate owned to assets0.8152%613
Noncurrent loans to loans1.0507%727
Net loans and leases to total assets74.9100%1,019
Net loans and leases to deposits89.2999%942
Net loans and leases to core deposits90.5098%1,266
Total domestic deposits to total assets83.8800%3,526
Equity capital to assets10.4913%1,370
Core capital (leverage) ratio10.4389%2,169
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3648%2,334
Memoranda:
Average total assets$25,289,003,00087
Average earning assets$23,148,614,50084
Average equity$2,744,163,50085
Average total loans$18,745,665,25072
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1249%3,245
Cost of funding earning assets0.1017%4,173
Net interest margin3.0232%2,818
Noninterest income to average assets0.9184%810
Noninterest expense to average assets2.2735%2,623
Loan and lease loss provision to assets-0.0431%4,501
Net operating income to assets1.1981%1,435
Return on assets (ROA)1.1922%1,431
Pretax return on assets1.4588%1,287
Return on Equity (ROE)10.8672%2,026
Retained earnings to average equity (ytd only)10.8672%802
Net charge-offs to loans-0.0516%4,250
Credit loss provision to net charge-offs109.0985%1,228
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4531%3,118
Assets per employee ($millions)7.5897%1,559
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.3125%2,127
Loan loss allowance to noncurrent loans142.7823%3,064
Noncurrent assets plus other real estate owned to assets0.7170%746
Noncurrent loans to loans0.9193%909
Net loans and leases to total assets74.9139%827
Net loans and leases to deposits87.9793%833
Net loans and leases to core deposits89.3530%1,157
Total domestic deposits to total assets85.1495%3,452
Equity capital to assets10.8030%1,305
Core capital (leverage) ratio10.1590%2,222
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1773%2,426
Memoranda:
Average total assets$25,298,468,66786
Average earning assets$23,235,277,66784
Average equity$2,775,495,33385
Average total loans$18,600,618,33372
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9502%3,399
Cost of funding earning assets0.0982%4,152
Net interest margin2.8520%2,982
Noninterest income to average assets0.8961%844
Noninterest expense to average assets2.2573%2,662
Loan and lease loss provision to assets-0.1091%4,610
Net operating income to assets1.1291%1,439
Return on assets (ROA)1.1237%1,455
Pretax return on assets1.3677%1,334
Return on Equity (ROE)10.1663%1,903
Retained earnings to average equity (ytd only)10.1663%985
Net charge-offs to loans-0.0229%3,983
Credit loss provision to net charge-offs601.8957%465
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.0285%3,024
Assets per employee ($millions)7.9360%1,409
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.3171%2,271
Loan loss allowance to noncurrent loans151.4128%2,958
Noncurrent assets plus other real estate owned to assets0.6441%924
Noncurrent loans to loans0.8699%1,079
Net loans and leases to total assets72.1718%818
Net loans and leases to deposits84.2753%865
Net loans and leases to core deposits85.5924%1,156
Total domestic deposits to total assets85.6381%3,361
Equity capital to assets10.9056%1,381
Core capital (leverage) ratio9.8728%2,425
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1380%2,557
Memoranda:
Average total assets$25,473,951,00087
Average earning assets$23,447,322,50086
Average equity$2,815,704,00082
Average total loans$18,432,068,00074
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0350%3,809
Cost of funding earning assets0.1384%4,079
Net interest margin2.8966%3,448
Noninterest income to average assets0.9325%1,133
Noninterest expense to average assets2.2831%2,842
Loan and lease loss provision to assets-0.0565%4,387
Net operating income to assets1.1243%2,193
Return on assets (ROA)1.2250%1,885
Pretax return on assets1.4980%1,735
Return on Equity (ROE)10.4915%2,351
Retained earnings to average equity (ytd only)-4.4113%4,696
Net charge-offs to loans0.0739%1,050
Credit loss provision to net charge-offs-106.9023%3,372
Earnings coverage of net charge-offs (x)24.6749%1,740
Efficiency ratio63.3473%2,665
Assets per employee ($millions)8.1370%1,262
Cash dividends to net income (ytd only)*142.0468%87
Condition Ratios (%)
Loss allowance to loans1.3561%2,108
Loan loss allowance to noncurrent loans163.6367%2,860
Noncurrent assets plus other real estate owned to assets0.6004%1,094
Noncurrent loans to loans0.8288%1,228
Net loans and leases to total assets70.6177%970
Net loans and leases to deposits82.6584%1,004
Net loans and leases to core deposits83.9247%1,337
Total domestic deposits to total assets85.4332%3,116
Equity capital to assets11.1989%1,664
Core capital (leverage) ratio9.4226%2,947
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9357%2,656
Memoranda:
Average total assets$25,860,133,80087
Average earning assets$23,819,904,20086
Average equity$3,019,566,40077
Average total loans$18,675,970,40072
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0466%3,912
Cost of funding earning assets0.1505%4,104
Net interest margin2.8961%3,560
Noninterest income to average assets0.9100%1,234
Noninterest expense to average assets2.2431%2,915
Loan and lease loss provision to assets-0.0494%4,455
Net operating income to assets1.1505%2,366
Return on assets (ROA)1.2881%1,912
Pretax return on assets1.5499%1,850
Return on Equity (ROE)10.9208%2,392
Retained earnings to average equity (ytd only)2.1961%4,139
Net charge-offs to loans0.0770%897
Credit loss provision to net charge-offs-92.4199%3,218
Earnings coverage of net charge-offs (x)23.9298%1,653
Efficiency ratio62.6516%2,585
Assets per employee ($millions)8.2853%1,138
Cash dividends to net income (ytd only)*79.8907%393
Condition Ratios (%)
Loss allowance to loans1.4006%2,013
Loan loss allowance to noncurrent loans170.8143%2,747
Noncurrent assets plus other real estate owned to assets0.5802%1,320
Noncurrent loans to loans0.8200%1,391
Net loans and leases to total assets68.8970%1,206
Net loans and leases to deposits81.2653%1,171
Net loans and leases to core deposits83.0949%1,490
Total domestic deposits to total assets84.7803%3,187
Equity capital to assets11.6651%1,562
Core capital (leverage) ratio10.0317%2,462
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1763%2,302
Memoranda:
Average total assets$25,913,219,50086
Average earning assets$23,860,667,50084
Average equity$3,056,390,25074
Average total loans$18,754,740,25073
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0380%3,977
Cost of funding earning assets0.1703%4,039
Net interest margin2.8676%3,641
Noninterest income to average assets0.8786%1,332
Noninterest expense to average assets2.2938%2,784
Loan and lease loss provision to assets-0.0697%4,564
Net operating income to assets1.0767%2,618
Return on assets (ROA)1.2867%1,979
Pretax return on assets1.5504%1,870
Return on Equity (ROE)10.8685%2,470
Retained earnings to average equity (ytd only)2.6858%3,945
Net charge-offs to loans0.1390%575
Credit loss provision to net charge-offs-71.5591%3,019
Earnings coverage of net charge-offs (x)12.0484%1,733
Efficiency ratio65.0944%2,287
Assets per employee ($millions)8.1212%1,153
Cash dividends to net income (ytd only)*75.2885%571
Condition Ratios (%)
Loss allowance to loans1.3678%2,115
Loan loss allowance to noncurrent loans165.8961%2,724
Noncurrent assets plus other real estate owned to assets0.6038%1,386
Noncurrent loans to loans0.8245%1,487
Net loans and leases to total assets70.9431%1,092
Net loans and leases to deposits84.0915%1,064
Net loans and leases to core deposits86.1980%1,402
Total domestic deposits to total assets84.3641%3,326
Equity capital to assets11.8463%1,438
Core capital (leverage) ratio10.1482%2,262
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3044%2,248
Memoranda:
Average total assets$25,807,230,33385
Average earning assets$23,774,947,66784
Average equity$3,055,225,33373
Average total loans$18,896,576,00073
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1117%3,857
Cost of funding earning assets0.2043%3,870
Net interest margin2.9074%3,494
Noninterest income to average assets0.9545%1,211
Noninterest expense to average assets2.5052%2,164
Loan and lease loss provision to assets-0.0854%4,702
Net operating income to assets1.0015%2,802
Return on assets (ROA)1.4275%1,573
Pretax return on assets1.7266%1,435
Return on Equity (ROE)12.0620%1,990
Retained earnings to average equity (ytd only)5.4990%3,062
Net charge-offs to loans0.1300%566
Credit loss provision to net charge-offs-87.3504%2,815
Earnings coverage of net charge-offs (x)11.7326%1,442
Efficiency ratio68.9280%1,821
Assets per employee ($millions)8.0596%1,176
Cash dividends to net income (ytd only)*54.4105%1,015
Condition Ratios (%)
Loss allowance to loans1.3968%1,971
Loan loss allowance to noncurrent loans174.4926%2,576
Noncurrent assets plus other real estate owned to assets0.6064%1,574
Noncurrent loans to loans0.8005%1,657
Net loans and leases to total assets72.9383%904
Net loans and leases to deposits86.4342%931
Net loans and leases to core deposits88.8676%1,299
Total domestic deposits to total assets84.3860%3,315
Equity capital to assets11.8452%1,363
Core capital (leverage) ratio10.0701%2,470
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2998%2,162
Memoranda:
Average total assets$25,749,451,00085
Average earning assets$23,712,639,00085
Average equity$3,047,394,00074
Average total loans$19,022,138,00074
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3901%4,206
Cost of funding earning assets0.3916%3,633
Net interest margin2.9985%3,887
Noninterest income to average assets0.9216%1,213
Noninterest expense to average assets2.3124%3,376
Loan and lease loss provision to assets0.3235%1,130
Net operating income to assets0.8775%2,799
Return on assets (ROA)0.8820%2,911
Pretax return on assets1.0254%2,958
Return on Equity (ROE)7.4208%3,029
Retained earnings to average equity (ytd only)5.6708%1,958
Net charge-offs to loans0.0524%2,040
Credit loss provision to net charge-offs815.2653%886
Earnings coverage of net charge-offs (x)33.8372%1,509
Efficiency ratio63.2058%2,942
Assets per employee ($millions)7.9294%1,062
Cash dividends to net income (ytd only)*23.5828%3,105
Condition Ratios (%)
Loss allowance to loans1.4607%1,729
Loan loss allowance to noncurrent loans188.6581%2,432
Noncurrent assets plus other real estate owned to assets0.5875%1,793
Noncurrent loans to loans0.7743%1,780
Net loans and leases to total assets72.7040%1,200
Net loans and leases to deposits88.9051%1,009
Net loans and leases to core deposits91.8065%1,397
Total domestic deposits to total assets81.7771%3,713
Equity capital to assets11.8253%1,664
Core capital (leverage) ratio10.1068%2,506
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1317%2,191
Memoranda:
Average total assets$24,037,739,80084
Average earning assets$21,912,224,60083
Average equity$2,857,076,20078
Average total loans$18,193,829,80075
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4712%4,255
Cost of funding earning assets0.4419%3,574
Net interest margin3.0293%3,907
Noninterest income to average assets0.9558%1,107
Noninterest expense to average assets2.3123%3,390
Loan and lease loss provision to assets0.3974%893
Net operating income to assets0.8558%2,883
Return on assets (ROA)0.8638%2,983
Pretax return on assets1.0129%3,020
Return on Equity (ROE)7.2575%3,106
Retained earnings to average equity (ytd only)4.8851%2,608
Net charge-offs to loans0.0954%1,351
Credit loss provision to net charge-offs546.2733%1,223
Earnings coverage of net charge-offs (x)19.2425%1,941
Efficiency ratio62.2321%3,030
Assets per employee ($millions)7.5599%1,177
Cash dividends to net income (ytd only)*32.6896%2,248
Condition Ratios (%)
Loss allowance to loans1.3941%1,759
Loan loss allowance to noncurrent loans187.7938%2,320
Noncurrent assets plus other real estate owned to assets0.5773%1,998
Noncurrent loans to loans0.7423%1,953
Net loans and leases to total assets74.3009%1,336
Net loans and leases to deposits90.7921%1,184
Net loans and leases to core deposits93.9008%1,647
Total domestic deposits to total assets81.8363%3,465
Equity capital to assets11.7104%1,869
Core capital (leverage) ratio10.1040%2,615
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0644%2,169
Memoranda:
Average total assets$23,608,492,50082
Average earning assets$21,480,073,50083
Average equity$2,809,952,25079
Average total loans$17,991,713,00075
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6364%4,200
Cost of funding earning assets0.5141%3,444
Net interest margin3.1223%3,858
Noninterest income to average assets0.9237%1,116
Noninterest expense to average assets2.4107%3,235
Loan and lease loss provision to assets0.5426%622
Net operating income to assets0.6884%3,430
Return on assets (ROA)0.7038%3,489
Pretax return on assets0.8262%3,517
Return on Equity (ROE)5.8782%3,558
Retained earnings to average equity (ytd only)2.2486%3,661
Net charge-offs to loans0.1731%862
Credit loss provision to net charge-offs409.6726%1,387
Earnings coverage of net charge-offs (x)10.1885%2,170
Efficiency ratio64.0506%2,819
Assets per employee ($millions)7.0869%1,396
Cash dividends to net income (ytd only)*61.7475%1,188
Condition Ratios (%)
Loss allowance to loans1.3645%1,715
Loan loss allowance to noncurrent loans183.4989%2,283
Noncurrent assets plus other real estate owned to assets0.5929%2,032
Noncurrent loans to loans0.7436%2,016
Net loans and leases to total assets75.7127%1,184
Net loans and leases to deposits92.8187%1,068
Net loans and leases to core deposits96.5755%1,531
Total domestic deposits to total assets81.5706%3,482
Equity capital to assets11.8245%1,769
Core capital (leverage) ratio10.2098%2,629
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8778%2,230
Memoranda:
Average total assets$23,010,874,66783
Average earning assets$20,904,020,33383
Average equity$2,755,073,00080
Average total loans$17,608,867,66774
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9448%3,946
Cost of funding earning assets0.6577%3,128
Net interest margin3.2870%3,624
Noninterest income to average assets0.9767%902
Noninterest expense to average assets2.5561%3,112
Loan and lease loss provision to assets0.7235%359
Net operating income to assets0.5934%3,612
Return on assets (ROA)0.5858%3,702
Pretax return on assets0.6738%3,762
Return on Equity (ROE)4.8592%3,685
Retained earnings to average equity (ytd only)-2.5908%4,307
Net charge-offs to loans0.2614%560
Credit loss provision to net charge-offs362.3280%1,063
Earnings coverage of net charge-offs (x)7.0355%1,950
Efficiency ratio64.4726%3,158
Assets per employee ($millions)6.5973%1,298
Cash dividends to net income (ytd only)*153.3178%444
Condition Ratios (%)
Loss allowance to loans1.3920%1,731
Loan loss allowance to noncurrent loans170.4493%2,319
Noncurrent assets plus other real estate owned to assets0.6432%2,075
Noncurrent loans to loans0.8167%1,972
Net loans and leases to total assets74.1670%1,575
Net loans and leases to deposits96.6899%842
Net loans and leases to core deposits101.1783%1,385
Total domestic deposits to total assets76.7060%4,391
Equity capital to assets12.3509%1,832
Core capital (leverage) ratio10.8943%2,569
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4901%2,482
Memoranda:
Average total assets$22,270,107,00084
Average earning assets$20,218,096,50084
Average equity$2,684,561,00082
Average total loans$17,013,104,00075
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2604%3,646
Cost of funding earning assets0.8402%2,487
Net interest margin3.4202%3,681
Noninterest income to average assets0.9849%1,007
Noninterest expense to average assets2.5980%3,178
Loan and lease loss provision to assets0.1458%1,468
Net operating income to assets1.1553%2,237
Return on assets (ROA)1.1633%2,299
Pretax return on assets1.3730%2,257
Return on Equity (ROE)9.9193%2,333
Retained earnings to average equity (ytd only)2.0460%3,977
Net charge-offs to loans0.0970%1,752
Credit loss provision to net charge-offs194.1342%1,361
Earnings coverage of net charge-offs (x)20.0715%1,957
Efficiency ratio63.1171%3,204
Assets per employee ($millions)10.3559%334
Cash dividends to net income (ytd only)*79.3737%824
Condition Ratios (%)
Loss allowance to loans1.0384%3,281
Loan loss allowance to noncurrent loans108.9784%3,135
Noncurrent assets plus other real estate owned to assets0.7717%1,676
Noncurrent loans to loans0.9529%1,607
Net loans and leases to total assets76.8852%1,278
Net loans and leases to deposits96.0473%935
Net loans and leases to core deposits100.2908%1,539
Total domestic deposits to total assets80.0493%3,971
Equity capital to assets11.7687%2,307
Core capital (leverage) ratio9.7807%3,751
Tier 1 risk-based capital ratio11.1878%4,784
Total risk-based capital ratio12.1535%4,798
Memoranda:
Average total assets$21,335,702,60081
Average earning assets$19,466,612,40080
Average equity$2,502,113,00085
Average total loans$16,519,863,80072
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3169%3,605
Cost of funding earning assets0.8599%2,414
Net interest margin3.4569%3,712
Noninterest income to average assets0.9745%988
Noninterest expense to average assets2.6448%3,024
Loan and lease loss provision to assets0.0911%2,086
Net operating income to assets1.1774%2,269
Return on assets (ROA)1.1914%2,306
Pretax return on assets1.4116%2,263
Return on Equity (ROE)10.1682%2,366
Retained earnings to average equity (ytd only)0.4118%4,685
Net charge-offs to loans0.0723%1,792
Credit loss provision to net charge-offs162.8607%1,534
Earnings coverage of net charge-offs (x)26.5318%1,741
Efficiency ratio63.8573%3,032
Assets per employee ($millions)10.2153%330
Cash dividends to net income (ytd only)*95.9506%371
Condition Ratios (%)
Loss allowance to loans0.9926%3,605
Loan loss allowance to noncurrent loans122.1814%2,983
Noncurrent assets plus other real estate owned to assets0.6663%2,022
Noncurrent loans to loans0.8124%1,940
Net loans and leases to total assets76.8485%1,340
Net loans and leases to deposits95.1211%1,110
Net loans and leases to core deposits99.6287%1,688
Total domestic deposits to total assets80.7902%3,808
Equity capital to assets11.7032%2,501
Core capital (leverage) ratio9.6621%4,010
Tier 1 risk-based capital ratio11.0066%4,904
Total risk-based capital ratio11.9470%4,937
Memoranda:
Average total assets$21,227,628,00082
Average earning assets$19,371,007,50081
Average equity$2,487,189,75085
Average total loans$16,421,833,00073
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3755%3,396
Cost of funding earning assets0.8615%2,344
Net interest margin3.5140%3,556
Noninterest income to average assets1.0560%775
Noninterest expense to average assets2.7223%2,832
Loan and lease loss provision to assets0.0989%1,891
Net operating income to assets1.2205%2,068
Return on assets (ROA)1.2065%2,191
Pretax return on assets1.4371%2,077
Return on Equity (ROE)10.4788%2,185
Retained earnings to average equity (ytd only)0.2150%4,634
Net charge-offs to loans0.0185%2,504
Credit loss provision to net charge-offs685.0245%473
Earnings coverage of net charge-offs (x)107.3322%663
Efficiency ratio63.6613%3,188
Assets per employee ($millions)9.6945%369
Cash dividends to net income (ytd only)*97.9480%459
Condition Ratios (%)
Loss allowance to loans1.0035%3,599
Loan loss allowance to noncurrent loans131.6614%2,855
Noncurrent assets plus other real estate owned to assets0.6304%2,146
Noncurrent loans to loans0.7622%2,076
Net loans and leases to total assets77.0122%1,386
Net loans and leases to deposits99.3414%724
Net loans and leases to core deposits104.2749%1,362
Total domestic deposits to total assets77.5228%4,481
Equity capital to assets11.4809%2,618
Core capital (leverage) ratio9.6875%3,945
Tier 1 risk-based capital ratio11.1439%4,851
Total risk-based capital ratio12.1149%4,887
Memoranda:
Average total assets$16,924,327,00094
Average earning assets$15,490,194,00094
Average equity$1,948,608,000107
Average total loans$13,211,546,00084
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3702%3,340
Cost of funding earning assets0.8939%2,036
Net interest margin3.4763%3,659
Noninterest income to average assets1.1253%642
Noninterest expense to average assets2.8280%2,475
Loan and lease loss provision to assets0.0131%3,267
Net operating income to assets1.2548%1,868
Return on assets (ROA)1.2368%1,977
Pretax return on assets1.4598%1,887
Return on Equity (ROE)11.0751%1,920
Retained earnings to average equity (ytd only)6.8214%2,111
Net charge-offs to loans0.0910%1,208
Credit loss provision to net charge-offs17.7606%2,146
Earnings coverage of net charge-offs (x)20.1935%1,566
Efficiency ratio65.4044%3,024
Assets per employee ($millions)9.3469%421
Cash dividends to net income (ytd only)*38.4074%1,972
Condition Ratios (%)
Loss allowance to loans0.8131%4,476
Loan loss allowance to noncurrent loans113.6408%3,172
Noncurrent assets plus other real estate owned to assets0.6109%2,240
Noncurrent loans to loans0.7155%2,234
Net loans and leases to total assets80.1767%814
Net loans and leases to deposits105.8779%323
Net loans and leases to core deposits111.7617%843
Total domestic deposits to total assets75.7256%4,793
Equity capital to assets11.2412%2,612
Core capital (leverage) ratio10.1195%3,466
Tier 1 risk-based capital ratio11.2497%4,863
Total risk-based capital ratio12.0689%4,962
Memoranda:
Average total assets$12,630,697,500119
Average earning assets$11,602,584,500116
Average equity$1,410,551,000135
Average total loans$10,242,755,500108
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1242%3,669
Cost of funding earning assets0.6954%2,118
Net interest margin3.4288%3,915
Noninterest income to average assets1.2423%605
Noninterest expense to average assets2.9206%2,276
Loan and lease loss provision to assets0.3404%454
Net operating income to assets1.0445%2,829
Return on assets (ROA)1.0290%2,878
Pretax return on assets1.1285%3,176
Return on Equity (ROE)9.0476%2,971
Retained earnings to average equity (ytd only)0.6900%4,809
Net charge-offs to loans0.4734%387
Credit loss provision to net charge-offs88.6353%2,740
Earnings coverage of net charge-offs (x)3.8648%3,371
Efficiency ratio66.3047%2,827
Assets per employee ($millions)9.1939%436
Cash dividends to net income (ytd only)*92.3740%390
Condition Ratios (%)
Loss allowance to loans0.8359%4,413
Loan loss allowance to noncurrent loans116.2784%3,173
Noncurrent assets plus other real estate owned to assets0.6175%2,194
Noncurrent loans to loans0.7189%2,187
Net loans and leases to total assets80.6772%840
Net loans and leases to deposits105.0347%419
Net loans and leases to core deposits114.8753%740
Total domestic deposits to total assets76.8100%4,660
Equity capital to assets11.0933%2,599
Core capital (leverage) ratio10.0477%3,527
Tier 1 risk-based capital ratio11.2534%4,836
Total risk-based capital ratio12.1099%4,924
Memoranda:
Average total assets$12,308,681,400115
Average earning assets$11,352,714,800112
Average equity$1,399,918,600132
Average total loans$9,984,096,600106
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0922%3,663
Cost of funding earning assets0.6723%2,023
Net interest margin3.4199%3,946
Noninterest income to average assets1.2792%592
Noninterest expense to average assets2.9302%2,230
Loan and lease loss provision to assets0.4488%265
Net operating income to assets0.9470%3,315
Return on assets (ROA)0.9318%3,393
Pretax return on assets1.0357%3,621
Return on Equity (ROE)8.1259%3,498
Retained earnings to average equity (ytd only)4.5580%3,474
Net charge-offs to loans0.6315%229
Credit loss provision to net charge-offs86.6903%2,456
Earnings coverage of net charge-offs (x)2.8960%3,208
Efficiency ratio66.1504%2,847
Assets per employee ($millions)9.1155%434
Cash dividends to net income (ytd only)*43.9076%1,867
Condition Ratios (%)
Loss allowance to loans0.8493%4,467
Loan loss allowance to noncurrent loans120.8810%3,135
Noncurrent assets plus other real estate owned to assets0.6056%2,365
Noncurrent loans to loans0.7026%2,317
Net loans and leases to total assets80.8453%894
Net loans and leases to deposits104.5162%520
Net loans and leases to core deposits113.8658%827
Total domestic deposits to total assets77.3520%4,583
Equity capital to assets11.4703%2,284
Core capital (leverage) ratio10.3129%3,276
Tier 1 risk-based capital ratio11.6045%4,730
Total risk-based capital ratio12.4843%4,828
Memoranda:
Average total assets$11,568,136,500120
Average earning assets$10,656,359,250119
Average equity$1,326,545,750136
Average total loans$9,484,966,250106
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0084%3,761
Cost of funding earning assets0.6249%2,075
Net interest margin3.3835%4,004
Noninterest income to average assets1.2534%611
Noninterest expense to average assets3.0170%1,999
Loan and lease loss provision to assets0.5344%206
Net operating income to assets0.7596%3,996
Return on assets (ROA)0.7462%4,049
Pretax return on assets0.8090%4,219
Return on Equity (ROE)6.5074%4,062
Retained earnings to average equity (ytd only)3.7055%3,746
Net charge-offs to loans0.8893%151
Credit loss provision to net charge-offs73.1558%2,323
Earnings coverage of net charge-offs (x)1.8569%3,023
Efficiency ratio68.9836%2,489
Assets per employee ($millions)9.0083%445
Cash dividends to net income (ytd only)*43.0573%1,976
Condition Ratios (%)
Loss allowance to loans0.8002%4,695
Loan loss allowance to noncurrent loans106.4642%3,362
Noncurrent assets plus other real estate owned to assets0.6471%2,289
Noncurrent loans to loans0.7516%2,237
Net loans and leases to total assets80.9243%869
Net loans and leases to deposits109.1099%308
Net loans and leases to core deposits116.8333%675
Total domestic deposits to total assets74.1678%5,029
Equity capital to assets11.4350%2,242
Core capital (leverage) ratio10.2677%3,268
Tier 1 risk-based capital ratio11.5231%4,776
Total risk-based capital ratio12.3924%4,881
Memoranda:
Average total assets$11,516,674,000120
Average earning assets$10,619,874,670118
Average equity$1,320,524,330134
Average total loans$9,460,526,330106
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9204%3,871
Cost of funding earning assets0.5800%2,172
Net interest margin3.3404%4,075
Noninterest income to average assets1.2287%613
Noninterest expense to average assets3.2102%1,544
Loan and lease loss provision to assets-0.0509%5,466
Net operating income to assets1.0227%2,766
Return on assets (ROA)1.0054%2,853
Pretax return on assets1.1366%3,019
Return on Equity (ROE)8.7565%3,024
Retained earnings to average equity (ytd only)3.1350%3,951
Net charge-offs to loans0.1331%1,009
Credit loss provision to net charge-offs-46.3593%3,619
Earnings coverage of net charge-offs (x)10.0521%1,925
Efficiency ratio74.4273%1,837
Assets per employee ($millions)8.8689%465
Cash dividends to net income (ytd only)*64.1982%1,148
Condition Ratios (%)
Loss allowance to loans0.8758%4,549
Loan loss allowance to noncurrent loans102.2165%3,426
Noncurrent assets plus other real estate owned to assets0.7496%2,076
Noncurrent loans to loans0.8569%2,108
Net loans and leases to total assets81.9757%668
Net loans and leases to deposits110.6860%235
Net loans and leases to core deposits118.1587%643
Total domestic deposits to total assets74.0615%5,148
Equity capital to assets11.5543%2,088
Core capital (leverage) ratio10.2649%3,225
Tier 1 risk-based capital ratio11.4556%4,881
Total risk-based capital ratio12.3924%4,957
Memoranda:
Average total assets$11,464,634,000119
Average earning assets$10,586,316,000117
Average equity$1,316,368,000132
Average total loans$9,450,850,000106
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7323%4,264
Cost of funding earning assets0.5057%2,280
Net interest margin3.2266%4,371
Noninterest income to average assets1.3343%590
Noninterest expense to average assets2.7892%2,811
Loan and lease loss provision to assets0.0846%2,514
Net operating income to assets1.0569%2,031
Return on assets (ROA)1.0311%2,153
Pretax return on assets1.3968%2,002
Return on Equity (ROE)9.1212%2,257
Retained earnings to average equity (ytd only)7.3849%958
Net charge-offs to loans0.1421%1,654
Credit loss provision to net charge-offs73.5308%3,038
Earnings coverage of net charge-offs (x)13.1287%2,421
Efficiency ratio64.8665%3,469
Assets per employee ($millions)9.0595%442
Cash dividends to net income (ytd only)*19.0359%3,704
Condition Ratios (%)
Loss allowance to loans0.9197%4,373
Loan loss allowance to noncurrent loans105.6925%3,418
Noncurrent assets plus other real estate owned to assets0.7528%2,074
Noncurrent loans to loans0.8701%2,049
Net loans and leases to total assets81.4170%756
Net loans and leases to deposits108.5156%306
Net loans and leases to core deposits114.7246%767
Total domestic deposits to total assets75.0279%5,090
Equity capital to assets11.4105%2,270
Core capital (leverage) ratio9.9755%3,489
Tier 1 risk-based capital ratio11.3496%4,948
Total risk-based capital ratio12.2668%5,018
Memoranda:
Average total assets$11,208,976,400115
Average earning assets$10,302,111,000113
Average equity$1,267,058,800126
Average total loans$9,079,506,400105
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6878%4,355
Cost of funding earning assets0.4849%2,391
Net interest margin3.2030%4,440
Noninterest income to average assets1.3069%626
Noninterest expense to average assets2.7497%2,900
Loan and lease loss provision to assets0.0838%2,417
Net operating income to assets1.0843%2,155
Return on assets (ROA)1.0671%2,289
Pretax return on assets1.3973%2,129
Return on Equity (ROE)9.4632%2,371
Retained earnings to average equity (ytd only)7.8694%1,274
Net charge-offs to loans0.1180%1,611
Credit loss provision to net charge-offs88.0473%2,483
Earnings coverage of net charge-offs (x)15.7387%2,206
Efficiency ratio64.7223%3,418
Assets per employee ($millions)9.1731%407
Cash dividends to net income (ytd only)*16.8420%3,263
Condition Ratios (%)
Loss allowance to loans0.9705%4,234
Loan loss allowance to noncurrent loans105.5349%3,437
Noncurrent assets plus other real estate owned to assets0.7717%2,208
Noncurrent loans to loans0.9196%2,084
Net loans and leases to total assets78.4902%1,198
Net loans and leases to deposits102.2589%598
Net loans and leases to core deposits108.1216%1,129
Total domestic deposits to total assets76.7563%4,932
Equity capital to assets11.1350%2,731
Core capital (leverage) ratio9.9226%3,665
Tier 1 risk-based capital ratio11.3135%5,065
Total risk-based capital ratio12.2306%5,148
Memoranda:
Average total assets$11,128,042,250114
Average earning assets$10,220,014,250112
Average equity$1,254,838,000128
Average total loans$8,980,197,000105
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6547%4,349
Cost of funding earning assets0.4527%2,574
Net interest margin3.2020%4,414
Noninterest income to average assets1.3180%604
Noninterest expense to average assets2.7553%2,906
Loan and lease loss provision to assets0.1069%1,898
Net operating income to assets1.0612%2,161
Return on assets (ROA)1.0467%2,263
Pretax return on assets1.3769%2,111
Return on Equity (ROE)9.2415%2,393
Retained earnings to average equity (ytd only)6.8235%1,680
Net charge-offs to loans0.1637%1,186
Credit loss provision to net charge-offs80.4258%2,256
Earnings coverage of net charge-offs (x)11.2692%2,289
Efficiency ratio64.7817%3,538
Assets per employee ($millions)8.7507%456
Cash dividends to net income (ytd only)*26.1643%2,893
Condition Ratios (%)
Loss allowance to loans0.9749%4,294
Loan loss allowance to noncurrent loans113.0152%3,345
Noncurrent assets plus other real estate owned to assets0.7510%2,320
Noncurrent loans to loans0.8626%2,257
Net loans and leases to total assets80.3990%887
Net loans and leases to deposits107.3937%341
Net loans and leases to core deposits111.3668%932
Total domestic deposits to total assets74.8638%5,214
Equity capital to assets11.2241%2,567
Core capital (leverage) ratio10.1020%3,403
Tier 1 risk-based capital ratio11.0559%5,225
Total risk-based capital ratio11.9748%5,301
Memoranda:
Average total assets$10,954,108,330113
Average earning assets$10,041,270,000113
Average equity$1,240,713,330127
Average total loans$8,895,730,670105
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6468%4,290
Cost of funding earning assets0.4352%2,659
Net interest margin3.2116%4,301
Noninterest income to average assets1.2814%622
Noninterest expense to average assets2.7266%3,045
Loan and lease loss provision to assets0.1004%1,885
Net operating income to assets1.0703%1,980
Return on assets (ROA)1.0554%2,095
Pretax return on assets1.3817%1,943
Return on Equity (ROE)9.2743%2,283
Retained earnings to average equity (ytd only)9.2743%990
Net charge-offs to loans0.1115%1,278
Credit loss provision to net charge-offs110.8340%1,472
Earnings coverage of net charge-offs (x)16.5225%1,638
Efficiency ratio64.5591%3,738
Assets per employee ($millions)8.6799%474
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.0282%4,109
Loan loss allowance to noncurrent loans127.9550%3,155
Noncurrent assets plus other real estate owned to assets0.7115%2,513
Noncurrent loans to loans0.8035%2,443
Net loans and leases to total assets80.5241%764
Net loans and leases to deposits103.4821%421
Net loans and leases to core deposits107.7884%986
Total domestic deposits to total assets77.8146%4,989
Equity capital to assets11.4619%2,208
Core capital (leverage) ratio10.1175%3,354
Tier 1 risk-based capital ratio11.3972%5,091
Total risk-based capital ratio12.3726%5,141
Memoranda:
Average total assets$10,800,090,000114
Average earning assets$9,893,598,000113
Average equity$1,229,035,500128
Average total loans$8,771,697,000105
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5665%4,600
Cost of funding earning assets0.4360%2,648
Net interest margin3.1305%4,642
Noninterest income to average assets1.3646%617
Noninterest expense to average assets2.7293%3,255
Loan and lease loss provision to assets0.0969%2,431
Net operating income to assets1.0793%1,990
Return on assets (ROA)1.0662%2,160
Pretax return on assets1.3876%1,992
Return on Equity (ROE)9.1087%2,365
Retained earnings to average equity (ytd only)4.0941%2,997
Net charge-offs to loans0.0740%2,642
Credit loss provision to net charge-offs162.4025%1,702
Earnings coverage of net charge-offs (x)25.0808%1,601
Efficiency ratio64.5787%3,839
Assets per employee ($millions)8.6556%479
Cash dividends to net income (ytd only)*55.0526%2,037
Condition Ratios (%)
Loss allowance to loans1.0400%4,075
Loan loss allowance to noncurrent loans122.5452%3,215
Noncurrent assets plus other real estate owned to assets0.7489%2,488
Noncurrent loans to loans0.8486%2,408
Net loans and leases to total assets80.2322%867
Net loans and leases to deposits103.6652%441
Net loans and leases to core deposits107.8138%1,032
Total domestic deposits to total assets77.3955%5,064
Equity capital to assets11.2970%2,330
Core capital (leverage) ratio10.0983%3,375
Tier 1 risk-based capital ratio11.2415%5,196
Total risk-based capital ratio12.2279%5,248
Memoranda:
Average total assets$10,306,982,400110
Average earning assets$9,421,819,400113
Average equity$1,206,458,800124
Average total loans$8,318,758,000102
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5753%4,621
Cost of funding earning assets0.4378%2,662
Net interest margin3.1375%4,678
Noninterest income to average assets1.3426%652
Noninterest expense to average assets2.7237%3,280
Loan and lease loss provision to assets0.0847%2,526
Net operating income to assets1.0725%2,106
Return on assets (ROA)1.0585%2,283
Pretax return on assets1.3880%2,077
Return on Equity (ROE)8.9609%2,508
Retained earnings to average equity (ytd only)4.4786%3,151
Net charge-offs to loans0.1044%1,903
Credit loss provision to net charge-offs100.6835%2,337
Earnings coverage of net charge-offs (x)17.6620%2,042
Efficiency ratio64.6951%3,818
Assets per employee ($millions)8.5337%477
Cash dividends to net income (ytd only)*50.0210%1,879
Condition Ratios (%)
Loss allowance to loans1.0291%4,254
Loan loss allowance to noncurrent loans108.1340%3,451
Noncurrent assets plus other real estate owned to assets0.8232%2,485
Noncurrent loans to loans0.9517%2,341
Net loans and leases to total assets79.0491%1,031
Net loans and leases to deposits100.8663%647
Net loans and leases to core deposits105.5661%1,223
Total domestic deposits to total assets78.3702%4,841
Equity capital to assets11.6050%2,429
Core capital (leverage) ratio10.1272%3,404
Tier 1 risk-based capital ratio11.5083%5,082
Total risk-based capital ratio12.4847%5,142
Memoranda:
Average total assets$10,198,333,750110
Average earning assets$9,320,570,750110
Average equity$1,204,705,000124
Average total loans$8,221,256,000102
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5915%4,616
Cost of funding earning assets0.4362%2,688
Net interest margin3.1552%4,678
Noninterest income to average assets1.3440%631
Noninterest expense to average assets2.7648%3,150
Loan and lease loss provision to assets0.0779%2,588
Net operating income to assets1.0622%2,110
Return on assets (ROA)1.0487%2,311
Pretax return on assets1.3742%2,120
Return on Equity (ROE)8.8234%2,575
Retained earnings to average equity (ytd only)5.4008%2,486
Net charge-offs to loans0.1393%1,491
Credit loss provision to net charge-offs69.1088%2,485
Earnings coverage of net charge-offs (x)13.0030%2,154
Efficiency ratio65.3642%3,781
Assets per employee ($millions)8.4589%485
Cash dividends to net income (ytd only)*38.7898%2,481
Condition Ratios (%)
Loss allowance to loans1.0233%4,386
Loan loss allowance to noncurrent loans128.6733%3,175
Noncurrent assets plus other real estate owned to assets0.7052%2,866
Noncurrent loans to loans0.7952%2,757
Net loans and leases to total assets78.7398%1,107
Net loans and leases to deposits104.1284%456
Net loans and leases to core deposits108.8033%995
Total domestic deposits to total assets75.6180%5,338
Equity capital to assets11.6897%2,365
Core capital (leverage) ratio10.4162%3,057
Tier 1 risk-based capital ratio11.4624%5,184
Total risk-based capital ratio12.4219%5,249
Memoranda:
Average total assets$10,079,032,670111
Average earning assets$9,218,670,000111
Average equity$1,197,922,670123
Average total loans$8,151,213,330103
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6692%4,424
Cost of funding earning assets0.4426%2,659
Net interest margin3.2266%4,491
Noninterest income to average assets1.3216%627
Noninterest expense to average assets2.8218%2,988
Loan and lease loss provision to assets0.0879%2,215
Net operating income to assets1.0384%2,126
Return on assets (ROA)1.0263%2,293
Pretax return on assets1.3541%2,073
Return on Equity (ROE)8.5606%2,629
Retained earnings to average equity (ytd only)5.1901%2,825
Net charge-offs to loans0.2340%877
Credit loss provision to net charge-offs46.0627%2,087
Earnings coverage of net charge-offs (x)7.6128%2,138
Efficiency ratio66.0082%3,801
Assets per employee ($millions)8.0973%546
Cash dividends to net income (ytd only)*39.3716%2,098
Condition Ratios (%)
Loss allowance to loans1.0436%4,367
Loan loss allowance to noncurrent loans124.2219%3,159
Noncurrent assets plus other real estate owned to assets0.7529%2,821
Noncurrent loans to loans0.8401%2,744
Net loans and leases to total assets80.2083%786
Net loans and leases to deposits100.6709%586
Net loans and leases to core deposits104.7757%1,147
Total domestic deposits to total assets79.6738%4,824
Equity capital to assets12.0317%2,016
Core capital (leverage) ratio10.3632%3,112
Tier 1 risk-based capital ratio11.3320%5,327
Total risk-based capital ratio12.2856%5,394
Memoranda:
Average total assets$9,899,433,000114
Average earning assets$9,061,190,500111
Average equity$1,186,787,500125
Average total loans$8,074,814,500103
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6697%4,458
Cost of funding earning assets0.4520%2,605
Net interest margin3.2177%4,564
Noninterest income to average assets1.3331%676
Noninterest expense to average assets2.7733%3,340
Loan and lease loss provision to assets0.1304%1,835
Net operating income to assets1.0271%2,218
Return on assets (ROA)1.0312%2,291
Pretax return on assets1.3868%1,949
Return on Equity (ROE)8.6464%2,649
Retained earnings to average equity (ytd only)1.9141%4,635
Net charge-offs to loans0.1620%1,750
Credit loss provision to net charge-offs99.5694%2,564
Earnings coverage of net charge-offs (x)11.5052%2,568
Efficiency ratio64.7873%4,117
Assets per employee ($millions)8.0914%536
Cash dividends to net income (ytd only)*77.8621%941
Condition Ratios (%)
Loss allowance to loans1.0729%4,194
Loan loss allowance to noncurrent loans115.5636%3,351
Noncurrent assets plus other real estate owned to assets0.8256%2,609
Noncurrent loans to loans0.9284%2,481
Net loans and leases to total assets81.2074%670
Net loans and leases to deposits103.8969%445
Net loans and leases to core deposits107.3251%1,017
Total domestic deposits to total assets78.1616%5,135
Equity capital to assets11.9447%1,998
Core capital (leverage) ratio10.2159%3,249
Tier 1 risk-based capital ratio11.1997%5,425
Total risk-based capital ratio12.1859%5,463
Memoranda:
Average total assets$9,752,579,000112
Average earning assets$8,932,458,200108
Average equity$1,163,089,800120
Average total loans$7,886,850,000102
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6692%4,523
Cost of funding earning assets0.4598%2,591
Net interest margin3.2094%4,642
Noninterest income to average assets1.3164%702
Noninterest expense to average assets2.7847%3,254
Loan and lease loss provision to assets0.1377%1,622
Net operating income to assets0.9954%2,494
Return on assets (ROA)1.0043%2,541
Pretax return on assets1.3496%2,213
Return on Equity (ROE)8.4247%2,857
Retained earnings to average equity (ytd only)0.5730%5,448
Net charge-offs to loans0.2201%1,185
Credit loss provision to net charge-offs77.6275%2,650
Earnings coverage of net charge-offs (x)8.2920%2,829
Efficiency ratio65.4378%3,983
Assets per employee ($millions)8.2195%495
Cash dividends to net income (ytd only)*93.1991%476
Condition Ratios (%)
Loss allowance to loans1.0460%4,494
Loan loss allowance to noncurrent loans116.6396%3,344
Noncurrent assets plus other real estate owned to assets0.7765%2,951
Noncurrent loans to loans0.8968%2,734
Net loans and leases to total assets79.1361%938
Net loans and leases to deposits102.8743%504
Net loans and leases to core deposits106.7662%1,046
Total domestic deposits to total assets76.9251%5,355
Equity capital to assets11.5989%2,420
Core capital (leverage) ratio10.2422%3,316
Tier 1 risk-based capital ratio11.1983%5,549
Total risk-based capital ratio12.1693%5,613
Memoranda:
Average total assets$9,728,900,500115
Average earning assets$8,908,481,750112
Average equity$1,159,804,750122
Average total loans$7,837,697,500104
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6998%4,409
Cost of funding earning assets0.4707%2,509
Net interest margin3.2291%4,566
Noninterest income to average assets1.3239%700
Noninterest expense to average assets2.8005%3,236
Loan and lease loss provision to assets0.1284%1,729
Net operating income to assets1.0053%2,368
Return on assets (ROA)1.0262%2,372
Pretax return on assets1.3823%2,058
Return on Equity (ROE)8.5285%2,785
Retained earnings to average equity (ytd only)0.1916%5,444
Net charge-offs to loans0.3131%845
Credit loss provision to net charge-offs50.7556%2,696
Earnings coverage of net charge-offs (x)5.8435%2,874
Efficiency ratio65.4532%4,105
Assets per employee ($millions)7.9094%547
Cash dividends to net income (ytd only)*97.7535%561
Condition Ratios (%)
Loss allowance to loans1.0321%4,703
Loan loss allowance to noncurrent loans111.2677%3,461
Noncurrent assets plus other real estate owned to assets0.8197%2,925
Noncurrent loans to loans0.9276%2,813
Net loans and leases to total assets80.2175%771
Net loans and leases to deposits103.6652%470
Net loans and leases to core deposits107.6058%982
Total domestic deposits to total assets77.3813%5,393
Equity capital to assets11.9725%2,049
Core capital (leverage) ratio10.4124%3,071
Tier 1 risk-based capital ratio11.4786%5,477
Total risk-based capital ratio12.4394%5,547
Memoranda:
Average total assets$9,629,260,330119
Average earning assets$8,810,297,670117
Average equity$1,158,702,000124
Average total loans$7,777,091,000107
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7337%4,251
Cost of funding earning assets0.4909%2,371
Net interest margin3.2428%4,444
Noninterest income to average assets1.2781%700
Noninterest expense to average assets2.8081%3,227
Loan and lease loss provision to assets0.0684%2,574
Net operating income to assets1.0194%2,165
Return on assets (ROA)1.0715%2,088
Pretax return on assets1.4474%1,729
Return on Equity (ROE)8.8819%2,506
Retained earnings to average equity (ytd only)0.8469%5,122
Net charge-offs to loans0.1101%1,640
Credit loss provision to net charge-offs77.1214%1,857
Earnings coverage of net charge-offs (x)16.2311%1,583
Efficiency ratio66.0935%4,141
Assets per employee ($millions)7.9765%555
Cash dividends to net income (ytd only)*90.4644%821
Condition Ratios (%)
Loss allowance to loans1.1104%4,457
Loan loss allowance to noncurrent loans111.8263%3,425
Noncurrent assets plus other real estate owned to assets0.8744%2,890
Noncurrent loans to loans0.9930%2,782
Net loans and leases to total assets78.9738%793
Net loans and leases to deposits105.1181%340
Net loans and leases to core deposits107.9941%823
Total domestic deposits to total assets75.1286%5,817
Equity capital to assets11.9481%2,065
Core capital (leverage) ratio10.4740%3,003
Tier 1 risk-based capital ratio12.0017%5,236
Total risk-based capital ratio13.0722%5,254
Memoranda:
Average total assets$9,615,211,500117
Average earning assets$8,806,948,000115
Average equity$1,159,937,500120
Average total loans$7,751,799,500106
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8616%4,278
Cost of funding earning assets0.4810%2,871
Net interest margin3.3806%4,276
Noninterest income to average assets1.3306%697
Noninterest expense to average assets2.7302%3,751
Loan and lease loss provision to assets0.0875%2,722
Net operating income to assets1.1598%1,721
Return on assets (ROA)1.1508%1,837
Pretax return on assets1.5724%1,312
Return on Equity (ROE)9.6169%2,292
Retained earnings to average equity (ytd only)2.3602%4,550
Net charge-offs to loans0.2286%1,840
Credit loss provision to net charge-offs48.2659%3,519
Earnings coverage of net charge-offs (x)9.1935%2,780
Efficiency ratio62.0818%4,905
Assets per employee ($millions)7.2623%730
Cash dividends to net income (ytd only)*75.4580%1,074
Condition Ratios (%)
Loss allowance to loans1.1223%4,436
Loan loss allowance to noncurrent loans130.7262%3,111
Noncurrent assets plus other real estate owned to assets0.8016%3,203
Noncurrent loans to loans0.8585%3,167
Net loans and leases to total assets80.4848%669
Net loans and leases to deposits105.5257%378
Net loans and leases to core deposits108.2795%875
Total domestic deposits to total assets76.2703%5,694
Equity capital to assets12.1818%1,881
Core capital (leverage) ratio10.4750%2,977
Tier 1 risk-based capital ratio12.1474%5,265
Total risk-based capital ratio13.2396%5,273
Memoranda:
Average total assets$9,558,119,400116
Average earning assets$8,669,707,400113
Average equity$1,143,763,200117
Average total loans$7,581,552,000103
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8560%4,344
Cost of funding earning assets0.4744%3,012
Net interest margin3.3817%4,305
Noninterest income to average assets1.3275%688
Noninterest expense to average assets2.7019%3,814
Loan and lease loss provision to assets0.1040%2,309
Net operating income to assets1.1590%1,828
Return on assets (ROA)1.1520%1,919
Pretax return on assets1.5777%1,399
Return on Equity (ROE)9.6698%2,364
Retained earnings to average equity (ytd only)3.2396%4,323
Net charge-offs to loans0.2062%1,816
Credit loss provision to net charge-offs63.9643%2,875
Earnings coverage of net charge-offs (x)10.3730%2,551
Efficiency ratio61.5673%4,948
Assets per employee ($millions)7.3027%700
Cash dividends to net income (ytd only)*66.4982%1,143
Condition Ratios (%)
Loss allowance to loans1.1977%4,240
Loan loss allowance to noncurrent loans136.2527%2,948
Noncurrent assets plus other real estate owned to assets0.8029%3,413
Noncurrent loans to loans0.8790%3,372
Net loans and leases to total assets78.4567%909
Net loans and leases to deposits103.3869%433
Net loans and leases to core deposits106.1208%951
Total domestic deposits to total assets75.8865%5,834
Equity capital to assets11.9969%2,062
Core capital (leverage) ratio10.5169%3,023
Tier 1 risk-based capital ratio12.2099%5,358
Total risk-based capital ratio13.3652%5,333
Memoranda:
Average total assets$9,572,873,250116
Average earning assets$8,662,838,750114
Average equity$1,140,412,500114
Average total loans$7,543,912,000104
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8420%4,362
Cost of funding earning assets0.4686%3,121
Net interest margin3.3734%4,296
Noninterest income to average assets1.3298%682
Noninterest expense to average assets2.6934%3,891
Loan and lease loss provision to assets0.1028%2,301
Net operating income to assets1.1611%1,718
Return on assets (ROA)1.1582%1,803
Pretax return on assets1.5848%1,291
Return on Equity (ROE)9.7456%2,264
Retained earnings to average equity (ytd only)4.4623%3,330
Net charge-offs to loans0.2764%1,432
Credit loss provision to net charge-offs47.3025%2,831
Earnings coverage of net charge-offs (x)7.7603%2,582
Efficiency ratio61.4917%5,075
Assets per employee ($millions)7.1827%736
Cash dividends to net income (ytd only)*54.2123%1,746
Condition Ratios (%)
Loss allowance to loans1.1998%4,426
Loan loss allowance to noncurrent loans130.5594%3,002
Noncurrent assets plus other real estate owned to assets0.8263%3,493
Noncurrent loans to loans0.9189%3,426
Net loans and leases to total assets77.5868%963
Net loans and leases to deposits108.1515%245
Net loans and leases to core deposits111.1721%641
Total domestic deposits to total assets71.7390%6,269
Equity capital to assets12.0289%1,958
Core capital (leverage) ratio10.5379%2,899
Tier 1 risk-based capital ratio12.3510%5,334
Total risk-based capital ratio13.5074%5,303
Memoranda:
Average total assets$9,555,526,330114
Average earning assets$8,638,176,000111
Average equity$1,135,652,330114
Average total loans$7,510,907,000102
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8538%4,277
Cost of funding earning assets0.4586%3,326
Net interest margin3.3952%4,137
Noninterest income to average assets1.2830%678
Noninterest expense to average assets2.5493%4,452
Loan and lease loss provision to assets0.0740%2,656
Net operating income to assets1.2576%1,322
Return on assets (ROA)1.2395%1,430
Pretax return on assets1.7170%942
Return on Equity (ROE)10.4933%1,869
Retained earnings to average equity (ytd only)6.0575%2,508
Net charge-offs to loans0.2468%1,334
Credit loss provision to net charge-offs38.1210%2,315
Earnings coverage of net charge-offs (x)9.3272%1,944
Efficiency ratio58.4662%5,603
Assets per employee ($millions)7.0392%793
Cash dividends to net income (ytd only)*42.2726%1,918
Condition Ratios (%)
Loss allowance to loans1.2503%4,372
Loan loss allowance to noncurrent loans125.4589%3,047
Noncurrent assets plus other real estate owned to assets0.9055%3,471
Noncurrent loans to loans0.9966%3,425
Net loans and leases to total assets77.0801%875
Net loans and leases to deposits107.2948%205
Net loans and leases to core deposits110.4124%573
Total domestic deposits to total assets71.8395%6,370
Equity capital to assets11.9683%1,888
Core capital (leverage) ratio10.3781%3,081
Tier 1 risk-based capital ratio12.3073%5,435
Total risk-based capital ratio13.6915%5,285
Memoranda:
Average total assets$9,542,448,000112
Average earning assets$8,647,033,500111
Average equity$1,127,192,500116
Average total loans$7,504,161,500103
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9940%4,099
Cost of funding earning assets0.5057%3,550
Net interest margin3.4884%3,954
Noninterest income to average assets1.4166%700
Noninterest expense to average assets2.8059%3,700
Loan and lease loss provision to assets0.2755%1,274
Net operating income to assets1.1038%1,922
Return on assets (ROA)1.1082%1,978
Pretax return on assets1.5059%1,432
Return on Equity (ROE)9.5507%2,309
Retained earnings to average equity (ytd only)4.6894%2,820
Net charge-offs to loans0.3961%1,705
Credit loss provision to net charge-offs88.2476%2,810
Earnings coverage of net charge-offs (x)5.6701%3,241
Efficiency ratio61.2319%5,325
Assets per employee ($millions)6.7475%873
Cash dividends to net income (ytd only)*50.8995%2,234
Condition Ratios (%)
Loss allowance to loans1.2632%4,329
Loan loss allowance to noncurrent loans132.1386%2,941
Noncurrent assets plus other real estate owned to assets0.8819%3,685
Noncurrent loans to loans0.9559%3,602
Net loans and leases to total assets78.2197%800
Net loans and leases to deposits111.3078%152
Net loans and leases to core deposits114.2960%464
Total domestic deposits to total assets70.2733%6,512
Equity capital to assets11.6574%2,059
Core capital (leverage) ratio10.0259%3,524
Tier 1 risk-based capital ratio11.7470%5,779
Total risk-based capital ratio13.1402%5,622
Memoranda:
Average total assets$9,484,600,600115
Average earning assets$8,590,421,200113
Average equity$1,100,537,800118
Average total loans$7,476,223,40099
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0144%4,075
Cost of funding earning assets0.5197%3,568
Net interest margin3.4948%3,905
Noninterest income to average assets1.4554%695
Noninterest expense to average assets2.8207%3,591
Loan and lease loss provision to assets0.3367%970
Net operating income to assets1.0758%2,097
Return on assets (ROA)1.0867%2,136
Pretax return on assets1.4783%1,673
Return on Equity (ROE)9.3765%2,451
Retained earnings to average equity (ytd only)4.6964%3,314
Net charge-offs to loans0.4577%1,400
Credit loss provision to net charge-offs93.4506%2,550
Earnings coverage of net charge-offs (x)4.9816%3,310
Efficiency ratio61.0970%5,265
Assets per employee ($millions)6.7860%824
Cash dividends to net income (ytd only)*49.9125%1,869
Condition Ratios (%)
Loss allowance to loans1.2936%4,427
Loan loss allowance to noncurrent loans123.9892%2,939
Noncurrent assets plus other real estate owned to assets0.9626%3,741
Noncurrent loans to loans1.0433%3,715
Net loans and leases to total assets77.2480%841
Net loans and leases to deposits108.6237%177
Net loans and leases to core deposits111.6147%517
Total domestic deposits to total assets71.1152%6,542
Equity capital to assets11.4594%2,329
Core capital (leverage) ratio9.7640%4,012
Tier 1 risk-based capital ratio11.5864%6,014
Total risk-based capital ratio13.0048%5,879
Memoranda:
Average total assets$9,463,766,000116
Average earning assets$8,557,813,250114
Average equity$1,096,830,000116
Average total loans$7,450,339,25099
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0206%4,031
Cost of funding earning assets0.5335%3,566
Net interest margin3.4871%3,830
Noninterest income to average assets1.4740%728
Noninterest expense to average assets2.7752%3,765
Loan and lease loss provision to assets0.3561%929
Net operating income to assets1.1104%1,892
Return on assets (ROA)1.1307%1,926
Pretax return on assets1.5354%1,525
Return on Equity (ROE)9.7188%2,309
Retained earnings to average equity (ytd only)5.1499%2,959
Net charge-offs to loans0.4363%1,487
Credit loss provision to net charge-offs103.4594%2,139
Earnings coverage of net charge-offs (x)5.4004%2,903
Efficiency ratio59.8727%5,504
Assets per employee ($millions)6.8163%786
Cash dividends to net income (ytd only)*47.0110%1,993
Condition Ratios (%)
Loss allowance to loans1.3119%4,446
Loan loss allowance to noncurrent loans98.9038%3,488
Noncurrent assets plus other real estate owned to assets1.1950%3,354
Noncurrent loans to loans1.3264%3,343
Net loans and leases to total assets77.8826%762
Net loans and leases to deposits115.7556%85
Net loans and leases to core deposits118.3839%341
Total domestic deposits to total assets67.2819%6,734
Equity capital to assets11.3914%2,389
Core capital (leverage) ratio9.9474%3,591
Tier 1 risk-based capital ratio11.3819%6,164
Total risk-based capital ratio12.7971%6,044
Memoranda:
Average total assets$9,406,294,330117
Average earning assets$8,523,948,000114
Average equity$1,094,358,000115
Average total loans$7,420,015,67098
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0527%3,910
Cost of funding earning assets0.5503%3,564
Net interest margin3.5024%3,686
Noninterest income to average assets1.4098%772
Noninterest expense to average assets2.7220%3,975
Loan and lease loss provision to assets0.3264%1,033
Net operating income to assets1.1395%1,718
Return on assets (ROA)1.1403%1,830
Pretax return on assets1.5376%1,463
Return on Equity (ROE)9.6960%2,196
Retained earnings to average equity (ytd only)5.1196%3,159
Net charge-offs to loans0.5317%1,132
Credit loss provision to net charge-offs77.8417%2,183
Earnings coverage of net charge-offs (x)4.4298%2,561
Efficiency ratio59.4239%5,665
Assets per employee ($millions)6.6186%929
Cash dividends to net income (ytd only)*47.1983%1,660
Condition Ratios (%)
Loss allowance to loans1.3084%4,656
Loan loss allowance to noncurrent loans88.3672%3,678
Noncurrent assets plus other real estate owned to assets1.3932%3,184
Noncurrent loans to loans1.4806%3,342
Net loans and leases to total assets78.2898%583
Net loans and leases to deposits110.5831%119
Net loans and leases to core deposits113.3398%408
Total domestic deposits to total assets70.7973%6,723
Equity capital to assets11.7644%2,206
Core capital (leverage) ratio10.0896%3,285
Tier 1 risk-based capital ratio11.4467%6,211
Total risk-based capital ratio13.0422%6,010
Memoranda:
Average total assets$9,290,338,000121
Average earning assets$8,407,938,000116
Average equity$1,092,576,000119
Average total loans$7,326,887,500101
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3581%3,996
Cost of funding earning assets0.6872%3,593
Net interest margin3.6709%3,779
Noninterest income to average assets1.7141%553
Noninterest expense to average assets2.7747%4,122
Loan and lease loss provision to assets0.4825%1,267
Net operating income to assets1.2590%1,427
Return on assets (ROA)1.2468%1,619
Pretax return on assets1.7605%997
Return on Equity (ROE)10.5890%1,943
Retained earnings to average equity (ytd only)3.1077%4,047
Net charge-offs to loans0.8723%1,312
Credit loss provision to net charge-offs71.3810%4,118
Earnings coverage of net charge-offs (x)3.3342%3,773
Efficiency ratio55.0775%6,161
Assets per employee ($millions)6.6155%942
Cash dividends to net income (ytd only)*70.6513%1,346
Condition Ratios (%)
Loss allowance to loans1.3715%4,302
Loan loss allowance to noncurrent loans96.1716%3,429
Noncurrent assets plus other real estate owned to assets1.3201%3,439
Noncurrent loans to loans1.4261%3,461
Net loans and leases to total assets77.3222%759
Net loans and leases to deposits106.1434%222
Net loans and leases to core deposits108.8205%575
Total domestic deposits to total assets72.8469%6,636
Equity capital to assets11.7563%2,216
Core capital (leverage) ratio10.1477%3,203
Tier 1 risk-based capital ratio11.5130%6,097
Total risk-based capital ratio13.1364%5,810
Memoranda:
Average total assets$9,109,872,800121
Average earning assets$8,225,117,000120
Average equity$1,072,681,800120
Average total loans$7,059,004,000100
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4122%3,998
Cost of funding earning assets0.7126%3,656
Net interest margin3.6996%3,795
Noninterest income to average assets1.6379%564
Noninterest expense to average assets2.7303%4,250
Loan and lease loss provision to assets0.5284%1,127
Net operating income to assets1.2415%1,598
Return on assets (ROA)1.2269%1,819
Pretax return on assets1.7089%1,243
Return on Equity (ROE)10.4158%2,169
Retained earnings to average equity (ytd only)3.5288%4,393
Net charge-offs to loans0.9598%1,113
Credit loss provision to net charge-offs71.2600%3,874
Earnings coverage of net charge-offs (x)3.0361%3,819
Efficiency ratio54.7026%6,176
Assets per employee ($millions)6.5401%935
Cash dividends to net income (ytd only)*66.1210%1,052
Condition Ratios (%)
Loss allowance to loans1.4501%4,156
Loan loss allowance to noncurrent loans104.6916%3,106
Noncurrent assets plus other real estate owned to assets1.2822%3,725
Noncurrent loans to loans1.3851%3,723
Net loans and leases to total assets76.5571%888
Net loans and leases to deposits101.9476%352
Net loans and leases to core deposits104.6254%832
Total domestic deposits to total assets75.0946%6,508
Equity capital to assets11.8766%2,371
Core capital (leverage) ratio10.0386%3,495
Tier 1 risk-based capital ratio11.6969%6,115
Total risk-based capital ratio13.3317%5,877
Memoranda:
Average total assets$9,080,189,750120
Average earning assets$8,207,081,250119
Average equity$1,069,617,250120
Average total loans$7,015,007,500102
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4467%3,996
Cost of funding earning assets0.7311%3,760
Net interest margin3.7156%3,752
Noninterest income to average assets1.6337%555
Noninterest expense to average assets2.7259%4,303
Loan and lease loss provision to assets0.5204%1,206
Net operating income to assets1.2491%1,570
Return on assets (ROA)1.2342%1,788
Pretax return on assets1.7306%1,181
Return on Equity (ROE)10.5059%2,165
Retained earnings to average equity (ytd only)5.3959%3,049
Net charge-offs to loans0.9786%1,134
Credit loss provision to net charge-offs68.9680%3,589
Earnings coverage of net charge-offs (x)3.0025%3,547
Efficiency ratio54.5042%6,272
Assets per employee ($millions)6.5675%919
Cash dividends to net income (ytd only)*48.6399%1,796
Condition Ratios (%)
Loss allowance to loans1.4996%4,010
Loan loss allowance to noncurrent loans96.3001%3,302
Noncurrent assets plus other real estate owned to assets1.4366%3,557
Noncurrent loans to loans1.5572%3,575
Net loans and leases to total assets76.5926%897
Net loans and leases to deposits106.9516%206
Net loans and leases to core deposits110.0765%576
Total domestic deposits to total assets71.6142%6,823
Equity capital to assets11.7984%2,316
Core capital (leverage) ratio10.0448%3,360
Tier 1 risk-based capital ratio11.5298%6,197
Total risk-based capital ratio13.1595%5,956
Memoranda:
Average total assets$9,078,846,000119
Average earning assets$8,204,887,330120
Average equity$1,066,523,330120
Average total loans$7,001,025,330101
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4820%3,996
Cost of funding earning assets0.7517%3,851
Net interest margin3.7303%3,695
Noninterest income to average assets1.5876%572
Noninterest expense to average assets2.6907%4,457
Loan and lease loss provision to assets0.5045%1,204
Net operating income to assets1.2563%1,588
Return on assets (ROA)1.2412%1,809
Pretax return on assets1.7482%1,200
Return on Equity (ROE)10.5886%2,197
Retained earnings to average equity (ytd only)5.7883%3,083
Net charge-offs to loans0.7948%1,293
Credit loss provision to net charge-offs82.6609%2,680
Earnings coverage of net charge-offs (x)3.7151%2,774
Efficiency ratio54.1433%6,332
Assets per employee ($millions)6.5649%944
Cash dividends to net income (ytd only)*45.3349%1,601
Condition Ratios (%)
Loss allowance to loans1.6417%3,571
Loan loss allowance to noncurrent loans90.3901%3,332
Noncurrent assets plus other real estate owned to assets1.6407%3,392
Noncurrent loans to loans1.8162%3,386
Net loans and leases to total assets75.4694%863
Net loans and leases to deposits105.2055%228
Net loans and leases to core deposits108.4797%591
Total domestic deposits to total assets71.7353%6,892
Equity capital to assets11.7803%2,198
Core capital (leverage) ratio10.0040%3,363
Tier 1 risk-based capital ratio11.5937%6,224
Total risk-based capital ratio13.4258%5,819
Memoranda:
Average total assets$9,063,732,500119
Average earning assets$8,189,647,500119
Average equity$1,062,424,000121
Average total loans$6,959,992,000102
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6872%4,299
Cost of funding earning assets0.8951%4,160
Net interest margin3.7921%3,864
Noninterest income to average assets1.5057%577
Noninterest expense to average assets2.5497%5,297
Loan and lease loss provision to assets0.4921%2,147
Net operating income to assets1.3453%1,151
Return on assets (ROA)1.3344%1,252
Pretax return on assets1.8807%691
Return on Equity (ROE)11.4991%1,557
Retained earnings to average equity (ytd only)5.8033%2,124
Net charge-offs to loans1.0930%1,574
Credit loss provision to net charge-offs58.1031%5,221
Earnings coverage of net charge-offs (x)2.8119%3,809
Efficiency ratio51.4911%6,741
Assets per employee ($millions)6.5901%909
Cash dividends to net income (ytd only)*49.5330%2,070
Condition Ratios (%)
Loss allowance to loans1.6816%3,274
Loan loss allowance to noncurrent loans90.7016%3,304
Noncurrent assets plus other real estate owned to assets1.6810%3,428
Noncurrent loans to loans1.8540%3,405
Net loans and leases to total assets75.5578%1,012
Net loans and leases to deposits101.9610%382
Net loans and leases to core deposits105.1140%836
Total domestic deposits to total assets74.1046%6,706
Equity capital to assets11.6628%2,370
Core capital (leverage) ratio9.8335%3,538
Tier 1 risk-based capital ratio11.3390%6,262
Total risk-based capital ratio13.1690%5,865
Memoranda:
Average total assets$8,850,365,800121
Average earning assets$7,994,411,400118
Average equity$1,027,058,800122
Average total loans$6,857,753,40096
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7264%4,331
Cost of funding earning assets0.9203%4,271
Net interest margin3.8061%3,843
Noninterest income to average assets1.5497%547
Noninterest expense to average assets2.5553%5,259
Loan and lease loss provision to assets0.5404%1,822
Net operating income to assets1.3431%1,281
Return on assets (ROA)1.3287%1,396
Pretax return on assets1.8797%820
Return on Equity (ROE)11.4647%1,699
Retained earnings to average equity (ytd only)7.0866%1,924
Net charge-offs to loans1.0872%1,463
Credit loss provision to net charge-offs64.0141%4,671
Earnings coverage of net charge-offs (x)2.8828%3,700
Efficiency ratio50.9943%6,764
Assets per employee ($millions)6.5775%912
Cash dividends to net income (ytd only)*38.1880%2,111
Condition Ratios (%)
Loss allowance to loans1.8613%2,745
Loan loss allowance to noncurrent loans85.1822%3,385
Noncurrent assets plus other real estate owned to assets1.9955%3,146
Noncurrent loans to loans2.1851%3,133
Net loans and leases to total assets75.1172%1,124
Net loans and leases to deposits100.4627%451
Net loans and leases to core deposits103.7080%999
Total domestic deposits to total assets74.7712%6,667
Equity capital to assets11.6895%2,508
Core capital (leverage) ratio9.8945%3,580
Tier 1 risk-based capital ratio11.3267%6,342
Total risk-based capital ratio13.1616%5,939
Memoranda:
Average total assets$8,802,542,250120
Average earning assets$7,953,852,250117
Average equity$1,020,195,250123
Average total loans$6,835,060,25097
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7541%4,276
Cost of funding earning assets0.9522%4,303
Net interest margin3.8020%3,774
Noninterest income to average assets1.5304%543
Noninterest expense to average assets2.5374%5,404
Loan and lease loss provision to assets0.7084%1,333
Net operating income to assets1.2286%1,500
Return on assets (ROA)1.2175%1,602
Pretax return on assets1.7120%1,032
Return on Equity (ROE)10.5361%1,940
Retained earnings to average equity (ytd only)6.5744%2,095
Net charge-offs to loans1.1166%1,408
Credit loss provision to net charge-offs81.3047%3,730
Earnings coverage of net charge-offs (x)2.7884%3,454
Efficiency ratio50.8360%6,882
Assets per employee ($millions)6.3678%983
Cash dividends to net income (ytd only)*37.6018%2,182
Condition Ratios (%)
Loss allowance to loans2.0738%2,173
Loan loss allowance to noncurrent loans88.6577%3,211
Noncurrent assets plus other real estate owned to assets2.1726%3,020
Noncurrent loans to loans2.3391%3,051
Net loans and leases to total assets76.5072%998
Net loans and leases to deposits104.2742%309
Net loans and leases to core deposits107.7294%828
Total domestic deposits to total assets73.3712%6,896
Equity capital to assets11.8418%2,216
Core capital (leverage) ratio9.7598%3,578
Tier 1 risk-based capital ratio11.2015%6,379
Total risk-based capital ratio13.0472%5,928
Memoranda:
Average total assets$8,737,378,000120
Average earning assets$7,897,454,670117
Average equity$1,009,650,670122
Average total loans$6,817,657,00098
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7528%4,287
Cost of funding earning assets0.9710%4,417
Net interest margin3.7818%3,697
Noninterest income to average assets1.4760%591
Noninterest expense to average assets2.4804%5,626
Loan and lease loss provision to assets0.8358%996
Net operating income to assets1.1331%1,727
Return on assets (ROA)1.1392%1,750
Pretax return on assets1.5922%1,212
Return on Equity (ROE)9.9814%2,101
Retained earnings to average equity (ytd only)5.9762%2,654
Net charge-offs to loans1.0892%1,263
Credit loss provision to net charge-offs98.4123%2,777
Earnings coverage of net charge-offs (x)2.8415%2,948
Efficiency ratio50.4278%6,956
Assets per employee ($millions)6.3926%978
Cash dividends to net income (ytd only)*40.1268%1,745
Condition Ratios (%)
Loss allowance to loans2.1762%2,017
Loan loss allowance to noncurrent loans90.0475%3,177
Noncurrent assets plus other real estate owned to assets2.2065%3,056
Noncurrent loans to loans2.4167%3,072
Net loans and leases to total assets76.4439%974
Net loans and leases to deposits103.7802%320
Net loans and leases to core deposits107.7730%850
Total domestic deposits to total assets73.6595%6,933
Equity capital to assets11.5737%2,209
Core capital (leverage) ratio9.4766%3,852
Tier 1 risk-based capital ratio11.0039%6,507
Total risk-based capital ratio13.0500%5,861
Memoranda:
Average total assets$8,750,519,500123
Average earning assets$7,908,235,500119
Average equity$998,701,000123
Average total loans$6,823,609,00099
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9079%4,992
Cost of funding earning assets1.2327%4,338
Net interest margin3.6752%4,468
Noninterest income to average assets1.4765%664
Noninterest expense to average assets2.4626%5,910
Loan and lease loss provision to assets0.8203%1,996
Net operating income to assets1.0832%1,747
Return on assets (ROA)1.0266%2,054
Pretax return on assets1.4479%1,517
Return on Equity (ROE)9.7393%2,024
Retained earnings to average equity (ytd only)6.7355%1,437
Net charge-offs to loans1.0144%2,167
Credit loss provision to net charge-offs106.8860%4,170
Earnings coverage of net charge-offs (x)3.0507%3,546
Efficiency ratio50.9791%7,061
Assets per employee ($millions)6.4616%962
Cash dividends to net income (ytd only)*30.8423%3,005
Condition Ratios (%)
Loss allowance to loans2.1648%1,933
Loan loss allowance to noncurrent loans89.0252%3,208
Noncurrent assets plus other real estate owned to assets2.1830%3,116
Noncurrent loans to loans2.4316%3,087
Net loans and leases to total assets76.1318%1,249
Net loans and leases to deposits106.5473%302
Net loans and leases to core deposits110.8973%875
Total domestic deposits to total assets71.4536%7,136
Equity capital to assets11.2542%2,448
Core capital (leverage) ratio9.1797%4,209
Tier 1 risk-based capital ratio10.6407%6,607
Total risk-based capital ratio12.6747%5,966
Memoranda:
Average total assets$8,921,893,000120
Average earning assets$8,077,544,600119
Average equity$940,467,800124
Average total loans$6,749,938,20099
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9064%5,239
Cost of funding earning assets1.2837%4,336
Net interest margin3.6227%4,768
Noninterest income to average assets1.4777%620
Noninterest expense to average assets2.4577%5,865
Loan and lease loss provision to assets0.7785%1,961
Net operating income to assets1.0886%1,925
Return on assets (ROA)1.0258%2,258
Pretax return on assets1.4391%1,774
Return on Equity (ROE)9.8409%2,189
Retained earnings to average equity (ytd only)7.8423%1,473
Net charge-offs to loans0.8541%2,310
Credit loss provision to net charge-offs120.9887%3,403
Earnings coverage of net charge-offs (x)3.5719%3,390
Efficiency ratio51.4464%7,034
Assets per employee ($millions)6.6470%905
Cash dividends to net income (ytd only)*20.3096%2,960
Condition Ratios (%)
Loss allowance to loans2.2183%1,767
Loan loss allowance to noncurrent loans93.2860%2,955
Noncurrent assets plus other real estate owned to assets2.1313%3,290
Noncurrent loans to loans2.3780%3,259
Net loans and leases to total assets74.8140%1,617
Net loans and leases to deposits104.4027%412
Net loans and leases to core deposits108.1213%1,156
Total domestic deposits to total assets71.6591%7,166
Equity capital to assets11.2309%2,749
Core capital (leverage) ratio9.0585%4,590
Tier 1 risk-based capital ratio10.5692%6,733
Total risk-based capital ratio12.6471%6,010
Memoranda:
Average total assets$8,479,936,750127
Average earning assets$7,673,497,500123
Average equity$883,907,750126
Average total loans$6,388,133,500103
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8948%5,414
Cost of funding earning assets1.3353%4,296
Net interest margin3.5594%5,003
Noninterest income to average assets1.3755%662
Noninterest expense to average assets2.4076%6,047
Loan and lease loss provision to assets0.7981%1,813
Net operating income to assets1.0064%2,168
Return on assets (ROA)0.9200%2,574
Pretax return on assets1.2811%2,149
Return on Equity (ROE)9.0585%2,438
Retained earnings to average equity (ytd only)5.9870%2,333
Net charge-offs to loans0.8384%2,156
Credit loss provision to net charge-offs127.0281%3,165
Earnings coverage of net charge-offs (x)3.4897%3,302
Efficiency ratio52.0984%7,056
Assets per employee ($millions)6.8345%825
Cash dividends to net income (ytd only)*33.9074%2,368
Condition Ratios (%)
Loss allowance to loans2.0897%1,981
Loan loss allowance to noncurrent loans94.2346%2,916
Noncurrent assets plus other real estate owned to assets1.8781%3,649
Noncurrent loans to loans2.2175%3,460
Net loans and leases to total assets72.5027%2,277
Net loans and leases to deposits107.9893%324
Net loans and leases to core deposits112.5529%1,000
Total domestic deposits to total assets67.1388%7,472
Equity capital to assets10.5970%3,282
Core capital (leverage) ratio8.6128%5,210
Tier 1 risk-based capital ratio10.2707%6,860
Total risk-based capital ratio12.3538%6,118
Memoranda:
Average total assets$8,494,904,000125
Average earning assets$7,695,852,330123
Average equity$862,768,000127
Average total loans$6,366,260,000104
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9613%5,189
Cost of funding earning assets1.3943%4,218
Net interest margin3.5670%4,871
Noninterest income to average assets1.3352%677
Noninterest expense to average assets2.4106%6,050
Loan and lease loss provision to assets0.8328%1,521
Net operating income to assets0.9642%2,315
Return on assets (ROA)0.8293%2,932
Pretax return on assets1.1409%2,583
Return on Equity (ROE)8.3526%2,713
Retained earnings to average equity (ytd only)2.0024%4,932
Net charge-offs to loans0.8966%1,780
Credit loss provision to net charge-offs123.1787%2,841
Earnings coverage of net charge-offs (x)3.1834%2,994
Efficiency ratio52.5874%7,094
Assets per employee ($millions)6.5443%975
Cash dividends to net income (ytd only)*76.0271%919
Condition Ratios (%)
Loss allowance to loans2.1257%1,895
Loan loss allowance to noncurrent loans114.8586%2,404
Noncurrent assets plus other real estate owned to assets1.6662%3,975
Noncurrent loans to loans1.8507%3,987
Net loans and leases to total assets74.4651%1,870
Net loans and leases to deposits109.2678%308
Net loans and leases to core deposits114.2819%1,030
Total domestic deposits to total assets68.1492%7,519
Equity capital to assets9.9928%3,886
Core capital (leverage) ratio7.8780%6,406
Tier 1 risk-based capital ratio9.0759%7,463
Total risk-based capital ratio11.3597%6,945
Memoranda:
Average total assets$8,405,883,000127
Average earning assets$7,606,014,000121
Average equity$834,617,000128
Average total loans$6,338,225,000104
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0622%6,222
Cost of funding earning assets1.7222%4,398
Net interest margin3.3399%5,585
Noninterest income to average assets1.4612%672
Noninterest expense to average assets2.5549%5,937
Loan and lease loss provision to assets1.1271%2,023
Net operating income to assets0.6426%3,167
Return on assets (ROA)0.5824%3,471
Pretax return on assets0.7516%3,400
Return on Equity (ROE)6.0324%3,197
Retained earnings to average equity (ytd only)1.1746%4,220
Net charge-offs to loans0.6946%3,101
Credit loss provision to net charge-offs214.0887%1,792
Earnings coverage of net charge-offs (x)3.7064%3,236
Efficiency ratio56.4012%6,964
Assets per employee ($millions)6.2623%1,103
Cash dividends to net income (ytd only)*80.5290%1,161
Condition Ratios (%)
Loss allowance to loans2.1233%1,783
Loan loss allowance to noncurrent loans109.8032%2,572
Noncurrent assets plus other real estate owned to assets1.6416%3,912
Noncurrent loans to loans1.9337%3,751
Net loans and leases to total assets73.5968%2,363
Net loans and leases to deposits109.8491%388
Net loans and leases to core deposits129.9607%1,291
Total domestic deposits to total assets66.9981%7,601
Equity capital to assets9.7490%4,069
Core capital (leverage) ratio7.8632%6,368
Tier 1 risk-based capital ratio8.8649%7,519
Total risk-based capital ratio11.1303%6,944
Memoranda:
Average total assets$8,348,181,600122
Average earning assets$7,611,092,400119
Average equity$805,917,000127
Average total loans$6,327,158,200105
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0182%6,550
Cost of funding earning assets1.7396%4,697
Net interest margin3.2786%5,717
Noninterest income to average assets1.2476%990
Noninterest expense to average assets2.2418%6,868
Loan and lease loss provision to assets1.0738%1,813
Net operating income to assets0.6961%3,224
Return on assets (ROA)0.6455%3,487
Pretax return on assets0.8625%3,349
Return on Equity (ROE)6.7034%3,217
Retained earnings to average equity (ytd only)4.7832%2,615
Net charge-offs to loans0.6736%2,670
Credit loss provision to net charge-offs209.9149%2,099
Earnings coverage of net charge-offs (x)3.9065%3,342
Efficiency ratio52.5486%7,365
Assets per employee ($millions)7.3434%682
Cash dividends to net income (ytd only)*28.6458%2,931
Condition Ratios (%)
Loss allowance to loans1.8144%2,233
Loan loss allowance to noncurrent loans91.6638%2,997
Noncurrent assets plus other real estate owned to assets1.7053%3,820
Noncurrent loans to loans1.9794%3,671
Net loans and leases to total assets75.6550%2,065
Net loans and leases to deposits111.9922%391
Net loans and leases to core deposits133.2999%1,252
Total domestic deposits to total assets67.5538%7,606
Equity capital to assets9.9884%4,103
Core capital (leverage) ratio8.1058%6,174
Tier 1 risk-based capital ratio9.0301%7,610
Total risk-based capital ratio11.2808%6,898
Memoranda:
Average total assets$8,327,962,250129
Average earning assets$7,601,516,000123
Average equity$801,958,000132
Average total loans$6,324,424,750110
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9875%6,813
Cost of funding earning assets1.7644%4,931
Net interest margin3.2231%5,834
Noninterest income to average assets1.2799%931
Noninterest expense to average assets2.2831%6,804
Loan and lease loss provision to assets1.0310%1,645
Net operating income to assets0.6791%3,349
Return on assets (ROA)0.6192%3,708
Pretax return on assets0.8297%3,572
Return on Equity (ROE)6.5098%3,433
Retained earnings to average equity (ytd only)6.5098%1,791
Net charge-offs to loans0.6934%2,317
Credit loss provision to net charge-offs196.7387%2,322
Earnings coverage of net charge-offs (x)3.6925%3,335
Efficiency ratio53.7948%7,354
Assets per employee ($millions)7.5446%602
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.5826%2,819
Loan loss allowance to noncurrent loans83.0586%3,403
Noncurrent assets plus other real estate owned to assets1.6838%3,663
Noncurrent loans to loans1.9054%3,662
Net loans and leases to total assets74.0394%2,685
Net loans and leases to deposits120.2041%230
Net loans and leases to core deposits145.0084%800
Total domestic deposits to total assets61.5947%7,904
Equity capital to assets9.5177%4,591
Core capital (leverage) ratio8.0116%6,308
Tier 1 risk-based capital ratio8.8320%7,777
Total risk-based capital ratio11.0614%7,069
Memoranda:
Average total assets$8,355,086,000133
Average earning assets$7,616,774,000126
Average equity$794,710,670136
Average total loans$6,314,483,330117
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9749%6,996
Cost of funding earning assets1.7754%5,239
Net interest margin3.1995%5,859
Noninterest income to average assets1.3009%845
Noninterest expense to average assets2.2222%6,797
Loan and lease loss provision to assets1.0383%1,261
Net operating income to assets0.7227%3,452
Return on assets (ROA)0.6844%3,820
Pretax return on assets0.9166%3,654
Return on Equity (ROE)7.1981%3,504
Retained earnings to average equity (ytd only)7.1981%2,134
Net charge-offs to loans0.8908%1,472
Credit loss provision to net charge-offs153.8725%2,713
Earnings coverage of net charge-offs (x)2.9643%3,321
Efficiency ratio52.2779%7,388
Assets per employee ($millions)7.3892%654
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.3736%3,644
Loan loss allowance to noncurrent loans77.2585%3,787
Noncurrent assets plus other real estate owned to assets1.6073%3,509
Noncurrent loans to loans1.7780%3,596
Net loans and leases to total assets75.0329%2,495
Net loans and leases to deposits123.3282%224
Net loans and leases to core deposits149.8912%714
Total domestic deposits to total assets60.8401%7,949
Equity capital to assets9.6455%4,461
Core capital (leverage) ratio7.9761%6,499
Tier 1 risk-based capital ratio8.6954%7,907
Total risk-based capital ratio10.9242%7,196
Memoranda:
Average total assets$8,296,341,500135
Average earning assets$7,576,021,500130
Average equity$788,870,000135
Average total loans$6,284,767,500118
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7209%6,705
Cost of funding earning assets2.3457%4,944
Net interest margin3.3753%5,765
Noninterest income to average assets1.2031%1,030
Noninterest expense to average assets2.1089%7,217
Loan and lease loss provision to assets0.6769%2,145
Net operating income to assets1.0470%2,367
Return on assets (ROA)0.9168%2,779
Pretax return on assets1.2956%2,323
Return on Equity (ROE)10.1546%2,203
Retained earnings to average equity (ytd only)8.3878%735
Net charge-offs to loans0.3825%2,916
Credit loss provision to net charge-offs248.6285%1,875
Earnings coverage of net charge-offs (x)7.9187%2,992
Efficiency ratio49.0567%7,729
Assets per employee ($millions)7.3665%606
Cash dividends to net income (ytd only)*17.3991%4,522
Condition Ratios (%)
Loss allowance to loans1.2939%3,827
Loan loss allowance to noncurrent loans85.9927%3,921
Noncurrent assets plus other real estate owned to assets1.3702%3,449
Noncurrent loans to loans1.5046%3,537
Net loans and leases to total assets74.4569%3,000
Net loans and leases to deposits127.9250%239
Net loans and leases to core deposits149.8231%863
Total domestic deposits to total assets58.2035%8,008
Equity capital to assets9.3735%4,855
Core capital (leverage) ratio7.7116%6,908
Tier 1 risk-based capital ratio8.6549%7,954
Total risk-based capital ratio10.8413%7,108
Memoranda:
Average total assets$8,462,767,800125
Average earning assets$7,676,454,800125
Average equity$764,083,600141
Average total loans$6,022,779,600119