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Graham Savings and Loan, SSB, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1149%1,136
Cost of funding earning assets0.7813%221
Net interest margin3.3336%2,226
Noninterest income to average assets0.3375%3,393
Noninterest expense to average assets2.7061%1,620
Loan and lease loss provision to assets0.0120%2,841
Net operating income to assets0.8321%3,228
Return on assets (ROA)0.8321%3,306
Pretax return on assets0.8321%3,661
Return on Equity (ROE)7.7797%3,287
Retained earnings to average equity (ytd only)2.6327%3,786
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2235%1,088
Assets per employee ($millions)4.5000%4,116
Cash dividends to net income (ytd only)*66.1600%862
Condition Ratios (%)
Loss allowance to loans1.1855%2,949
Loan loss allowance to noncurrent loans453.4722%1,550
Noncurrent assets plus other real estate owned to assets0.1882%2,618
Noncurrent loans to loans0.2614%2,674
Net loans and leases to total assets71.1466%912
Net loans and leases to deposits86.1924%768
Net loans and leases to core deposits90.9649%926
Total domestic deposits to total assets82.5439%3,888
Equity capital to assets10.6895%2,018
Core capital (leverage) ratio10.5505%1,873
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.2105%732
Memoranda:
Average total assets$150,216,2003,481
Average earning assets$144,768,0003,426
Average equity$16,067,4003,535
Average total loans$106,015,0003,126
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1516%1,180
Cost of funding earning assets0.8170%226
Net interest margin3.3346%2,323
Noninterest income to average assets0.3326%3,442
Noninterest expense to average assets2.7527%1,455
Loan and lease loss provision to assets0.0161%2,685
Net operating income to assets0.7776%3,577
Return on assets (ROA)0.7776%3,641
Pretax return on assets0.7776%3,932
Return on Equity (ROE)7.2685%3,596
Retained earnings to average equity (ytd only)1.9672%4,191
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.6213%906
Assets per employee ($millions)4.4779%4,142
Cash dividends to net income (ytd only)*72.9358%535
Condition Ratios (%)
Loss allowance to loans1.2142%2,922
Loan loss allowance to noncurrent loans422.6537%1,550
Noncurrent assets plus other real estate owned to assets0.2030%2,770
Noncurrent loans to loans0.2873%2,765
Net loans and leases to total assets69.7896%1,099
Net loans and leases to deposits84.6625%918
Net loans and leases to core deposits89.5902%1,056
Total domestic deposits to total assets82.4327%3,837
Equity capital to assets10.6194%2,345
Core capital (leverage) ratio10.6301%1,959
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.6328%1,020
Memoranda:
Average total assets$149,520,0003,522
Average earning assets$144,102,7503,469
Average equity$15,995,5003,586
Average total loans$104,978,5003,181
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2305%1,127
Cost of funding earning assets0.8592%221
Net interest margin3.3713%2,235
Noninterest income to average assets0.3216%3,502
Noninterest expense to average assets2.7387%1,483
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.8304%3,422
Return on assets (ROA)0.8304%3,494
Pretax return on assets0.8304%3,803
Return on Equity (ROE)7.7425%3,476
Retained earnings to average equity (ytd only)-0.2384%4,542
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.7345%1,012
Assets per employee ($millions)4.5055%4,104
Cash dividends to net income (ytd only)*103.0794%248
Condition Ratios (%)
Loss allowance to loans1.1860%3,017
Loan loss allowance to noncurrent loans410.1911%1,486
Noncurrent assets plus other real estate owned to assets0.2050%2,921
Noncurrent loans to loans0.2891%2,893
Net loans and leases to total assets70.0531%1,193
Net loans and leases to deposits84.6404%1,016
Net loans and leases to core deposits89.4998%1,172
Total domestic deposits to total assets82.7656%3,756
Equity capital to assets10.3879%2,502
Core capital (leverage) ratio10.5851%1,890
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.0177%955
Memoranda:
Average total assets$148,610,3333,538
Average earning assets$143,150,6673,485
Average equity$15,938,0003,594
Average total loans$104,118,0003,205
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0577%1,496
Cost of funding earning assets0.9200%203
Net interest margin3.1377%2,881
Noninterest income to average assets0.3171%3,506
Noninterest expense to average assets2.7146%1,590
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.6233%3,882
Return on assets (ROA)0.6233%3,951
Pretax return on assets0.6233%4,159
Return on Equity (ROE)5.7177%3,943
Retained earnings to average equity (ytd only)0.9279%4,231
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.3268%737
Assets per employee ($millions)4.5111%4,089
Cash dividends to net income (ytd only)*83.7719%548
Condition Ratios (%)
Loss allowance to loans1.2247%2,795
Loan loss allowance to noncurrent loans350.0000%1,564
Noncurrent assets plus other real estate owned to assets0.2472%2,899
Noncurrent loans to loans0.3499%2,833
Net loans and leases to total assets69.7829%1,323
Net loans and leases to deposits85.3094%1,015
Net loans and leases to core deposits90.6104%1,190
Total domestic deposits to total assets81.7997%3,928
Equity capital to assets10.7271%2,057
Core capital (leverage) ratio11.1066%1,643
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.8456%809
Memoranda:
Average total assets$146,321,5003,563
Average earning assets$140,867,5003,506
Average equity$15,950,5003,605
Average total loans$101,876,5003,230
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4894%1,339
Cost of funding earning assets1.2845%190
Net interest margin3.2049%3,346
Noninterest income to average assets0.3066%3,645
Noninterest expense to average assets2.7280%2,146
Loan and lease loss provision to assets0.1797%2,145
Net operating income to assets0.4743%4,083
Return on assets (ROA)0.4743%4,165
Pretax return on assets0.4743%4,315
Return on Equity (ROE)4.2225%4,110
Retained earnings to average equity (ytd only)-0.1694%4,545
Net charge-offs to loans0.0191%2,688
Credit loss provision to net charge-offs1,342.1053%622
Earnings coverage of net charge-offs (x)48.8421%1,225
Efficiency ratio80.6626%839
Assets per employee ($millions)4.1079%4,285
Cash dividends to net income (ytd only)*104.0119%227
Condition Ratios (%)
Loss allowance to loans1.3065%2,378
Loan loss allowance to noncurrent loans365.9091%1,478
Noncurrent assets plus other real estate owned to assets0.2448%3,063
Noncurrent loans to loans0.3571%2,917
Net loans and leases to total assets67.6701%1,861
Net loans and leases to deposits84.2752%1,426
Net loans and leases to core deposits90.0979%1,518
Total domestic deposits to total assets80.2966%3,998
Equity capital to assets11.0810%2,192
Core capital (leverage) ratio10.8590%1,889
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.2753%642
Memoranda:
Average total assets$141,897,8003,490
Average earning assets$136,165,8003,427
Average equity$15,938,4003,556
Average total loans$99,267,6003,241
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6381%1,214
Cost of funding earning assets1.3357%208
Net interest margin3.3024%3,181
Noninterest income to average assets0.2970%3,705
Noninterest expense to average assets2.6896%2,292
Loan and lease loss provision to assets0.2404%1,687
Net operating income to assets0.5345%3,948
Return on assets (ROA)0.5345%4,040
Pretax return on assets0.5345%4,216
Return on Equity (ROE)4.7427%3,960
Retained earnings to average equity (ytd only)-1.1125%4,623
Net charge-offs to loans0.0255%2,321
Credit loss provision to net charge-offs1,342.1053%676
Earnings coverage of net charge-offs (x)43.2632%1,301
Efficiency ratio77.6327%1,075
Assets per employee ($millions)3.9364%4,368
Cash dividends to net income (ytd only)*123.4568%164
Condition Ratios (%)
Loss allowance to loans1.3283%2,046
Loan loss allowance to noncurrent loans456.7376%1,136
Noncurrent assets plus other real estate owned to assets0.1936%3,466
Noncurrent loans to loans0.2908%3,231
Net loans and leases to total assets65.6912%2,555
Net loans and leases to deposits81.0614%2,191
Net loans and leases to core deposits85.5587%2,339
Total domestic deposits to total assets81.0388%3,653
Equity capital to assets10.8661%2,504
Core capital (leverage) ratio10.8887%1,964
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.0215%674
Memoranda:
Average total assets$141,428,0003,481
Average earning assets$135,656,5003,418
Average equity$15,940,0003,558
Average total loans$99,439,0003,251
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7426%1,300
Cost of funding earning assets1.3885%235
Net interest margin3.3541%3,236
Noninterest income to average assets0.2885%3,734
Noninterest expense to average assets2.7167%2,336
Loan and lease loss provision to assets0.2928%1,468
Net operating income to assets0.4914%4,042
Return on assets (ROA)0.4914%4,115
Pretax return on assets0.4914%4,267
Return on Equity (ROE)4.3059%4,019
Retained earnings to average equity (ytd only)-2.0653%4,596
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.6010%1,088
Assets per employee ($millions)4.1202%4,186
Cash dividends to net income (ytd only)*147.9651%202
Condition Ratios (%)
Loss allowance to loans1.2791%2,106
Loan loss allowance to noncurrent loans255.4878%1,769
Noncurrent assets plus other real estate owned to assets0.3412%2,937
Noncurrent loans to loans0.5007%2,650
Net loans and leases to total assets67.2748%2,458
Net loans and leases to deposits83.1833%2,080
Net loans and leases to core deposits87.8329%2,257
Total domestic deposits to total assets80.8754%3,636
Equity capital to assets10.9523%2,386
Core capital (leverage) ratio11.1591%1,860
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.8220%691
Memoranda:
Average total assets$140,022,3333,483
Average earning assets$134,102,6673,418
Average equity$15,978,0003,553
Average total loans$100,264,0003,225
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9161%1,155
Cost of funding earning assets1.4497%321
Net interest margin3.4665%3,094
Noninterest income to average assets0.3103%3,658
Noninterest expense to average assets2.6912%2,731
Loan and lease loss provision to assets0.2900%1,072
Net operating income to assets0.6438%3,465
Return on assets (ROA)0.6438%3,528
Pretax return on assets0.6438%3,829
Return on Equity (ROE)5.5258%3,468
Retained earnings to average equity (ytd only)5.5258%2,055
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.2400%1,782
Assets per employee ($millions)4.3138%3,518
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1534%2,918
Loan loss allowance to noncurrent loans229.9401%1,864
Noncurrent assets plus other real estate owned to assets0.5477%2,348
Noncurrent loans to loans0.5016%2,763
Net loans and leases to total assets71.5176%1,998
Net loans and leases to deposits90.4937%1,454
Net loans and leases to core deposits94.7948%1,904
Total domestic deposits to total assets79.0304%4,047
Equity capital to assets11.7217%2,266
Core capital (leverage) ratio11.7775%1,883
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.6697%678
Memoranda:
Average total assets$137,930,0003,481
Average earning assets$131,892,5003,423
Average equity$16,070,0003,554
Average total loans$101,260,0003,207
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9359%1,644
Cost of funding earning assets1.4108%540
Net interest margin3.5251%3,361
Noninterest income to average assets0.3070%3,850
Noninterest expense to average assets2.7576%2,726
Loan and lease loss provision to assets0.0959%2,124
Net operating income to assets0.8700%3,316
Return on assets (ROA)0.8700%3,409
Pretax return on assets0.8700%3,824
Return on Equity (ROE)7.4461%3,390
Retained earnings to average equity (ytd only)2.2231%3,897
Net charge-offs to loans0.0333%2,723
Credit loss provision to net charge-offs382.3529%734
Earnings coverage of net charge-offs (x)38.5000%1,350
Efficiency ratio74.0587%1,594
Assets per employee ($millions)4.3068%3,496
Cash dividends to net income (ytd only)*70.1442%1,125
Condition Ratios (%)
Loss allowance to loans1.0249%3,345
Loan loss allowance to noncurrent loans158.6727%2,502
Noncurrent assets plus other real estate owned to assets0.6661%1,923
Noncurrent loans to loans0.6459%2,274
Net loans and leases to total assets73.7144%1,798
Net loans and leases to deposits92.9708%1,261
Net loans and leases to core deposits97.3364%1,786
Total domestic deposits to total assets79.2878%4,122
Equity capital to assets11.5798%2,460
Core capital (leverage) ratio11.3020%2,249
Tier 1 risk-based capital ratio19.6059%1,392
Total risk-based capital ratio20.8553%1,361
Memoranda:
Average total assets$135,515,0003,499
Average earning assets$131,344,4003,399
Average equity$15,833,8003,562
Average total loans$102,231,2003,198
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9276%1,736
Cost of funding earning assets1.3704%642
Net interest margin3.5572%3,379
Noninterest income to average assets0.2421%4,289
Noninterest expense to average assets2.7617%2,681
Loan and lease loss provision to assets0.1285%1,508
Net operating income to assets0.8092%3,649
Return on assets (ROA)0.8092%3,727
Pretax return on assets0.8092%4,099
Return on Equity (ROE)6.9101%3,716
Retained earnings to average equity (ytd only)3.1555%3,827
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6528%1,474
Assets per employee ($millions)4.4690%3,258
Cash dividends to net income (ytd only)*54.3348%1,488
Condition Ratios (%)
Loss allowance to loans1.0734%3,158
Loan loss allowance to noncurrent loans240.2655%1,814
Noncurrent assets plus other real estate owned to assets0.5046%2,512
Noncurrent loans to loans0.4468%2,966
Net loans and leases to total assets72.2459%2,140
Net loans and leases to deposits91.0197%1,562
Net loans and leases to core deposits95.0133%2,084
Total domestic deposits to total assets79.3739%4,105
Equity capital to assets11.5355%2,636
Core capital (leverage) ratio11.5930%2,150
Tier 1 risk-based capital ratio19.9640%1,362
Total risk-based capital ratio21.2145%1,337
Memoranda:
Average total assets$134,939,5003,541
Average earning assets$131,149,0003,440
Average equity$15,802,5003,598
Average total loans$102,128,2503,233
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9365%1,650
Cost of funding earning assets1.3199%695
Net interest margin3.6166%3,201
Noninterest income to average assets0.2378%4,332
Noninterest expense to average assets2.7023%2,898
Loan and lease loss provision to assets0.3440%379
Net operating income to assets0.7073%3,984
Return on assets (ROA)0.7073%4,035
Pretax return on assets0.7073%4,314
Return on Equity (ROE)6.0090%4,045
Retained earnings to average equity (ytd only)0.3557%4,602
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.9920%1,920
Assets per employee ($millions)4.2949%3,440
Cash dividends to net income (ytd only)*94.0803%531
Condition Ratios (%)
Loss allowance to loans1.1488%2,798
Loan loss allowance to noncurrent loans321.4092%1,474
Noncurrent assets plus other real estate owned to assets0.2685%3,484
Noncurrent loans to loans0.3574%3,260
Net loans and leases to total assets74.2566%1,845
Net loans and leases to deposits93.4836%1,314
Net loans and leases to core deposits97.1398%1,965
Total domestic deposits to total assets79.4328%4,142
Equity capital to assets11.3761%2,726
Core capital (leverage) ratio11.6723%2,041
Tier 1 risk-based capital ratio19.3622%1,468
Total risk-based capital ratio20.6142%1,436
Memoranda:
Average total assets$133,740,0003,572
Average earning assets$130,011,3303,478
Average equity$15,743,0003,608
Average total loans$102,446,3303,252
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8994%1,592
Cost of funding earning assets1.2662%738
Net interest margin3.6332%3,124
Noninterest income to average assets0.2366%4,319
Noninterest expense to average assets2.6173%3,162
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.1525%2,251
Return on assets (ROA)1.1525%2,304
Pretax return on assets1.1525%2,969
Return on Equity (ROE)9.6221%2,535
Retained earnings to average equity (ytd only)9.6221%1,128
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.4288%2,437
Assets per employee ($millions)4.2181%3,600
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.9363%4,019
Loan loss allowance to noncurrent loans214.3498%2,076
Noncurrent assets plus other real estate owned to assets0.3304%3,277
Noncurrent loans to loans0.4368%3,016
Net loans and leases to total assets74.9339%1,654
Net loans and leases to deposits96.2067%943
Net loans and leases to core deposits100.5388%1,570
Total domestic deposits to total assets77.8884%4,535
Equity capital to assets11.8441%2,123
Core capital (leverage) ratio12.2115%1,653
Tier 1 risk-based capital ratio20.1424%1,317
Total risk-based capital ratio21.3469%1,292
Memoranda:
Average total assets$131,891,5003,634
Average earning assets$128,260,5003,544
Average equity$15,797,0003,604
Average total loans$102,048,5003,292
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7620%1,633
Cost of funding earning assets0.9963%765
Net interest margin3.7657%2,802
Noninterest income to average assets0.2745%4,270
Noninterest expense to average assets2.7331%2,921
Loan and lease loss provision to assets0.0396%3,405
Net operating income to assets1.1676%2,326
Return on assets (ROA)1.1676%2,317
Pretax return on assets1.1676%3,028
Return on Equity (ROE)9.6007%2,692
Retained earnings to average equity (ytd only)2.5693%4,113
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.3636%2,315
Assets per employee ($millions)4.0251%3,863
Cash dividends to net income (ytd only)*73.2385%933
Condition Ratios (%)
Loss allowance to loans0.9373%4,007
Loan loss allowance to noncurrent loans284.5238%1,713
Noncurrent assets plus other real estate owned to assets0.2609%3,542
Noncurrent loans to loans0.3294%3,371
Net loans and leases to total assets78.4448%1,193
Net loans and leases to deposits103.3943%518
Net loans and leases to core deposits105.5193%1,303
Total domestic deposits to total assets75.8695%4,768
Equity capital to assets12.1169%1,809
Core capital (leverage) ratio11.9269%1,785
Tier 1 risk-based capital ratio19.4115%1,424
Total risk-based capital ratio20.6005%1,400
Memoranda:
Average total assets$126,411,6003,690
Average earning assets$123,057,2003,599
Average equity$15,373,8003,593
Average total loans$97,200,8003,352
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6784%1,741
Cost of funding earning assets0.9283%809
Net interest margin3.7501%2,827
Noninterest income to average assets0.2883%4,228
Noninterest expense to average assets2.6907%2,996
Loan and lease loss provision to assets0.0530%2,921
Net operating income to assets1.1965%2,255
Return on assets (ROA)1.1965%2,261
Pretax return on assets1.1965%2,997
Return on Equity (ROE)9.8286%2,698
Retained earnings to average equity (ytd only)2.0720%4,559
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2894%2,486
Assets per employee ($millions)4.0296%3,837
Cash dividends to net income (ytd only)*78.9192%600
Condition Ratios (%)
Loss allowance to loans0.9590%4,017
Loan loss allowance to noncurrent loans318.6667%1,588
Noncurrent assets plus other real estate owned to assets0.2327%3,787
Noncurrent loans to loans0.3009%3,600
Net loans and leases to total assets76.5687%1,573
Net loans and leases to deposits98.4073%921
Net loans and leases to core deposits100.3813%1,755
Total domestic deposits to total assets77.8079%4,507
Equity capital to assets11.9817%1,918
Core capital (leverage) ratio11.9521%1,816
Tier 1 risk-based capital ratio19.5523%1,425
Total risk-based capital ratio20.7621%1,400
Memoranda:
Average total assets$125,813,5003,734
Average earning assets$122,518,5003,642
Average equity$15,315,5003,625
Average total loans$96,002,0003,408
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5808%1,838
Cost of funding earning assets0.8658%849
Net interest margin3.7150%2,873
Noninterest income to average assets0.3062%4,126
Noninterest expense to average assets2.6561%3,147
Loan and lease loss provision to assets0.0801%2,307
Net operating income to assets1.1878%2,250
Return on assets (ROA)1.1878%2,248
Pretax return on assets1.1878%2,980
Return on Equity (ROE)9.7049%2,710
Retained earnings to average equity (ytd only)0.5501%4,848
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6879%2,699
Assets per employee ($millions)4.0695%3,783
Cash dividends to net income (ytd only)*94.3320%458
Condition Ratios (%)
Loss allowance to loans0.9460%4,135
Loan loss allowance to noncurrent loans412.0690%1,296
Noncurrent assets plus other real estate owned to assets0.1782%4,091
Noncurrent loans to loans0.2296%3,894
Net loans and leases to total assets76.8668%1,495
Net loans and leases to deposits98.4451%935
Net loans and leases to core deposits100.3871%1,705
Total domestic deposits to total assets78.0808%4,577
Equity capital to assets11.7137%2,053
Core capital (leverage) ratio11.9972%1,716
Tier 1 risk-based capital ratio19.0169%1,547
Total risk-based capital ratio20.2087%1,521
Memoranda:
Average total assets$124,769,0003,780
Average earning assets$121,506,0003,680
Average equity$15,270,6703,649
Average total loans$94,773,0003,433
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4884%1,905
Cost of funding earning assets0.8048%931
Net interest margin3.6837%2,863
Noninterest income to average assets0.3835%3,576
Noninterest expense to average assets2.7401%2,909
Loan and lease loss provision to assets0.1639%1,094
Net operating income to assets1.0652%2,584
Return on assets (ROA)1.0652%2,595
Pretax return on assets1.0652%3,298
Return on Equity (ROE)8.5084%3,148
Retained earnings to average equity (ytd only)3.5081%3,802
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0339%2,660
Assets per employee ($millions)4.0304%3,928
Cash dividends to net income (ytd only)*58.7692%1,276
Condition Ratios (%)
Loss allowance to loans1.0118%3,880
Loan loss allowance to noncurrent loans440.5530%1,229
Noncurrent assets plus other real estate owned to assets0.4042%3,209
Noncurrent loans to loans0.2297%3,946
Net loans and leases to total assets74.8547%1,735
Net loans and leases to deposits89.2866%1,783
Net loans and leases to core deposits90.9882%2,374
Total domestic deposits to total assets83.8365%3,393
Equity capital to assets12.2825%1,615
Core capital (leverage) ratio12.6472%1,320
Tier 1 risk-based capital ratio19.5605%1,425
Total risk-based capital ratio20.7791%1,402
Memoranda:
Average total assets$122,041,5003,864
Average earning assets$118,794,5003,768
Average equity$15,279,0003,674
Average total loans$91,632,0003,513
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3206%2,260
Cost of funding earning assets0.7299%890
Net interest margin3.5906%3,203
Noninterest income to average assets0.2258%4,787
Noninterest expense to average assets2.6804%3,192
Loan and lease loss provision to assets0.0435%3,370
Net operating income to assets0.9961%2,260
Return on assets (ROA)0.9961%2,297
Pretax return on assets0.9961%3,588
Return on Equity (ROE)7.9983%2,795
Retained earnings to average equity (ytd only)-0.3890%5,102
Net charge-offs to loans0.2337%1,107
Credit loss provision to net charge-offs26.2376%3,569
Earnings coverage of net charge-offs (x)6.2673%3,204
Efficiency ratio72.0530%2,218
Assets per employee ($millions)3.8433%4,217
Cash dividends to net income (ytd only)*104.8640%296
Condition Ratios (%)
Loss allowance to loans1.0205%3,806
Loan loss allowance to noncurrent loans245.5285%1,959
Noncurrent assets plus other real estate owned to assets0.5783%2,621
Noncurrent loans to loans0.4156%3,280
Net loans and leases to total assets73.7588%1,960
Net loans and leases to deposits86.4786%2,198
Net loans and leases to core deposits87.9342%2,729
Total domestic deposits to total assets85.2914%2,728
Equity capital to assets12.7681%1,370
Core capital (leverage) ratio12.3575%1,420
Tier 1 risk-based capital ratio21.9623%1,022
Total risk-based capital ratio23.2126%1,005
Memoranda:
Average total assets$121,774,0003,861
Average earning assets$118,502,8003,773
Average equity$15,165,8003,702
Average total loans$86,421,6003,603
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2322%2,511
Cost of funding earning assets0.7072%929
Net interest margin3.5250%3,408
Noninterest income to average assets0.2265%4,858
Noninterest expense to average assets2.5788%3,471
Loan and lease loss provision to assets0.0545%3,002
Net operating income to assets1.0237%2,452
Return on assets (ROA)1.0237%2,493
Pretax return on assets1.0237%3,596
Return on Equity (ROE)8.2703%2,986
Retained earnings to average equity (ytd only)-2.9210%5,484
Net charge-offs to loans0.3138%668
Credit loss provision to net charge-offs24.7525%3,123
Earnings coverage of net charge-offs (x)4.9009%3,171
Efficiency ratio70.5182%2,450
Assets per employee ($millions)4.0861%3,848
Cash dividends to net income (ytd only)*135.3196%124
Condition Ratios (%)
Loss allowance to loans1.0515%3,781
Loan loss allowance to noncurrent loans1,143.0380%538
Noncurrent assets plus other real estate owned to assets0.3761%3,522
Noncurrent loans to loans0.0920%4,699
Net loans and leases to total assets69.3187%2,659
Net loans and leases to deposits80.3961%2,934
Net loans and leases to core deposits81.8883%3,296
Total domestic deposits to total assets86.2216%2,223
Equity capital to assets12.1868%1,843
Core capital (leverage) ratio12.1840%1,578
Tier 1 risk-based capital ratio21.5582%1,107
Total risk-based capital ratio22.8080%1,088
Memoranda:
Average total assets$122,432,2503,897
Average earning assets$119,145,7503,801
Average equity$15,154,2503,734
Average total loans$85,831,2503,640
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1953%2,489
Cost of funding earning assets0.7020%886
Net interest margin3.4933%3,426
Noninterest income to average assets0.2108%4,994
Noninterest expense to average assets2.5543%3,569
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.0557%2,181
Return on assets (ROA)1.0557%2,222
Pretax return on assets1.0557%3,355
Return on Equity (ROE)8.4855%2,781
Retained earnings to average equity (ytd only)-3.2182%5,447
Net charge-offs to loans0.1655%1,175
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)9.0986%2,466
Efficiency ratio70.7560%2,541
Assets per employee ($millions)4.2434%3,535
Cash dividends to net income (ytd only)*137.9257%200
Condition Ratios (%)
Loss allowance to loans1.1300%3,420
Loan loss allowance to noncurrent loans183.5821%2,397
Noncurrent assets plus other real estate owned to assets0.6062%2,749
Noncurrent loans to loans0.6155%2,884
Net loans and leases to total assets69.9616%2,532
Net loans and leases to deposits81.0228%2,802
Net loans and leases to core deposits82.5153%3,209
Total domestic deposits to total assets86.3480%2,218
Equity capital to assets12.2104%1,778
Core capital (leverage) ratio12.2294%1,513
Tier 1 risk-based capital ratio22.8442%965
Total risk-based capital ratio24.0969%946
Memoranda:
Average total assets$122,382,0003,920
Average earning assets$119,085,6703,825
Average equity$15,226,0003,733
Average total loans$85,816,3303,660
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1663%2,397
Cost of funding earning assets0.6871%894
Net interest margin3.4792%3,359
Noninterest income to average assets0.2065%5,036
Noninterest expense to average assets2.6056%3,478
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.9865%2,362
Return on assets (ROA)0.9865%2,413
Pretax return on assets0.9865%3,422
Return on Equity (ROE)7.8559%2,991
Retained earnings to average equity (ytd only)2.8709%3,984
Net charge-offs to loans0.0751%1,585
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)18.8125%1,557
Efficiency ratio72.5365%2,480
Assets per employee ($millions)4.2606%3,566
Cash dividends to net income (ytd only)*63.4551%1,335
Condition Ratios (%)
Loss allowance to loans1.2279%2,951
Loan loss allowance to noncurrent loans167.8514%2,576
Noncurrent assets plus other real estate owned to assets0.7171%2,502
Noncurrent loans to loans0.7315%2,670
Net loans and leases to total assets67.6435%2,735
Net loans and leases to deposits78.5200%2,915
Net loans and leases to core deposits79.9394%3,303
Total domestic deposits to total assets86.1482%2,606
Equity capital to assets12.4484%1,572
Core capital (leverage) ratio12.7345%1,240
Tier 1 risk-based capital ratio24.3113%838
Total risk-based capital ratio25.5663%817
Memoranda:
Average total assets$122,043,5003,963
Average earning assets$118,761,5003,854
Average equity$15,326,0003,742
Average total loans$85,185,5003,704
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2635%2,262
Cost of funding earning assets0.6827%894
Net interest margin3.5809%3,132
Noninterest income to average assets0.2340%5,011
Noninterest expense to average assets2.5233%3,947
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets1.1930%1,535
Return on assets (ROA)1.1930%1,625
Pretax return on assets1.1930%2,700
Return on Equity (ROE)9.6130%2,141
Retained earnings to average equity (ytd only)2.4116%4,154
Net charge-offs to loans0.0802%2,540
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)21.2206%1,806
Efficiency ratio67.8977%3,256
Assets per employee ($millions)4.1562%3,694
Cash dividends to net income (ytd only)*74.9134%1,098
Condition Ratios (%)
Loss allowance to loans1.2303%2,937
Loan loss allowance to noncurrent loans538.2653%1,008
Noncurrent assets plus other real estate owned to assets0.3344%3,945
Noncurrent loans to loans0.2286%4,329
Net loans and leases to total assets70.2719%2,424
Net loans and leases to deposits81.7983%2,692
Net loans and leases to core deposits83.3150%3,094
Total domestic deposits to total assets85.9088%2,628
Equity capital to assets12.6700%1,414
Core capital (leverage) ratio12.3508%1,406
Tier 1 risk-based capital ratio24.0439%863
Total risk-based capital ratio25.2988%841
Memoranda:
Average total assets$120,952,2003,977
Average earning assets$117,625,6003,873
Average equity$15,011,0003,807
Average total loans$84,747,2003,693
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2521%2,328
Cost of funding earning assets0.6626%992
Net interest margin3.5894%3,111
Noninterest income to average assets0.2357%5,063
Noninterest expense to average assets2.4880%4,019
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.2379%1,497
Return on assets (ROA)1.2379%1,596
Pretax return on assets1.2379%2,667
Return on Equity (ROE)10.0270%2,042
Retained earnings to average equity (ytd only)0.3836%5,255
Net charge-offs to loans0.0095%3,599
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)187.3288%391
Efficiency ratio66.7751%3,459
Assets per employee ($millions)3.8774%4,169
Cash dividends to net income (ytd only)*96.1745%443
Condition Ratios (%)
Loss allowance to loans1.3322%2,524
Loan loss allowance to noncurrent loans204.2048%2,205
Noncurrent assets plus other real estate owned to assets0.4551%3,599
Noncurrent loans to loans0.6524%3,066
Net loans and leases to total assets68.8281%2,677
Net loans and leases to deposits80.7681%2,880
Net loans and leases to core deposits82.2824%3,257
Total domestic deposits to total assets85.2169%2,712
Equity capital to assets12.4395%1,814
Core capital (leverage) ratio12.3823%1,449
Tier 1 risk-based capital ratio23.8036%918
Total risk-based capital ratio25.0597%904
Memoranda:
Average total assets$121,058,0003,992
Average earning assets$117,712,7503,895
Average equity$14,946,0003,843
Average total loans$84,495,7503,716
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2694%2,258
Cost of funding earning assets0.6550%1,029
Net interest margin3.6144%3,039
Noninterest income to average assets0.2275%5,127
Noninterest expense to average assets2.4492%4,183
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.2889%1,306
Return on assets (ROA)1.2889%1,419
Pretax return on assets1.2889%2,454
Return on Equity (ROE)10.4657%1,866
Retained earnings to average equity (ytd only)-1.4454%5,485
Net charge-offs to loans0.0142%3,255
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)130.3333%460
Efficiency ratio65.5203%3,754
Assets per employee ($millions)3.7991%4,267
Cash dividends to net income (ytd only)*113.8107%381
Condition Ratios (%)
Loss allowance to loans1.3094%2,734
Loan loss allowance to noncurrent loans803.5971%718
Noncurrent assets plus other real estate owned to assets0.1143%5,054
Noncurrent loans to loans0.1629%4,789
Net loans and leases to total assets69.2517%2,596
Net loans and leases to deposits80.9387%2,824
Net loans and leases to core deposits82.4285%3,227
Total domestic deposits to total assets85.5607%2,623
Equity capital to assets12.1748%1,992
Core capital (leverage) ratio12.2367%1,501
Tier 1 risk-based capital ratio23.6196%945
Total risk-based capital ratio24.8755%920
Memoranda:
Average total assets$121,344,6704,020
Average earning assets$117,862,6703,918
Average equity$14,944,0003,865
Average total loans$84,712,0003,727
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2504%2,298
Cost of funding earning assets0.6495%1,057
Net interest margin3.6009%3,078
Noninterest income to average assets0.2277%5,109
Noninterest expense to average assets2.3888%4,403
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.3330%1,178
Return on assets (ROA)1.3330%1,258
Pretax return on assets1.3330%2,168
Return on Equity (ROE)10.7622%1,689
Retained earnings to average equity (ytd only)5.6741%2,542
Net charge-offs to loans0.0284%2,373
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)67.3333%724
Efficiency ratio64.1844%4,091
Assets per employee ($millions)3.7766%4,350
Cash dividends to net income (ytd only)*47.2772%1,841
Condition Ratios (%)
Loss allowance to loans1.3167%2,820
Loan loss allowance to noncurrent loans706.9620%771
Noncurrent assets plus other real estate owned to assets0.1307%5,054
Noncurrent loans to loans0.1862%4,745
Net loans and leases to total assets69.2723%2,461
Net loans and leases to deposits81.3023%2,632
Net loans and leases to core deposits82.5709%3,079
Total domestic deposits to total assets85.2034%3,038
Equity capital to assets12.5128%1,674
Core capital (leverage) ratio12.4886%1,345
Tier 1 risk-based capital ratio24.5161%863
Total risk-based capital ratio25.7725%846
Memoranda:
Average total assets$121,231,5004,049
Average earning assets$117,636,0003,948
Average equity$15,015,5003,869
Average total loans$84,414,5003,742
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1771%2,635
Cost of funding earning assets0.6757%935
Net interest margin3.5015%3,517
Noninterest income to average assets0.1948%5,419
Noninterest expense to average assets2.4503%4,384
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.1567%1,710
Return on assets (ROA)1.1567%1,784
Pretax return on assets1.1567%2,818
Return on Equity (ROE)9.8684%2,057
Retained earnings to average equity (ytd only)3.3101%3,694
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.9313%3,581
Assets per employee ($millions)3.8003%4,293
Cash dividends to net income (ytd only)*66.4579%1,411
Condition Ratios (%)
Loss allowance to loans1.3370%2,721
Loan loss allowance to noncurrent loans1,261.7978%485
Noncurrent assets plus other real estate owned to assets0.3158%4,330
Noncurrent loans to loans0.1060%5,079
Net loans and leases to total assets68.1452%2,685
Net loans and leases to deposits79.6785%2,857
Net loans and leases to core deposits81.5717%3,194
Total domestic deposits to total assets85.5252%2,849
Equity capital to assets12.2596%1,771
Core capital (leverage) ratio11.9183%1,667
Tier 1 risk-based capital ratio24.6732%844
Total risk-based capital ratio25.9292%828
Memoranda:
Average total assets$124,230,0004,002
Average earning assets$121,063,6003,864
Average equity$14,561,6003,895
Average total loans$84,609,4003,711
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1581%2,725
Cost of funding earning assets0.6775%942
Net interest margin3.4806%3,625
Noninterest income to average assets0.1932%5,501
Noninterest expense to average assets2.4502%4,348
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.1381%1,873
Return on assets (ROA)1.1381%1,942
Pretax return on assets1.1381%3,058
Return on Equity (ROE)9.8192%2,173
Retained earnings to average equity (ytd only)1.0317%5,305
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2832%3,488
Assets per employee ($millions)3.8572%4,165
Cash dividends to net income (ytd only)*89.4934%534
Condition Ratios (%)
Loss allowance to loans1.3326%2,941
Loan loss allowance to noncurrent loans4,319.2308%183
Noncurrent assets plus other real estate owned to assets0.2601%4,728
Noncurrent loans to loans0.0309%5,496
Net loans and leases to total assets67.3640%2,798
Net loans and leases to deposits78.4326%3,058
Net loans and leases to core deposits81.1865%3,328
Total domestic deposits to total assets85.8877%2,591
Equity capital to assets11.7791%2,280
Core capital (leverage) ratio11.6937%1,893
Tier 1 risk-based capital ratio23.7966%964
Total risk-based capital ratio25.0536%952
Memoranda:
Average total assets$124,884,7504,026
Average earning assets$121,815,5003,884
Average equity$14,474,7503,950
Average total loans$84,763,0003,736
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1306%2,788
Cost of funding earning assets0.6784%943
Net interest margin3.4523%3,697
Noninterest income to average assets0.1851%5,585
Noninterest expense to average assets2.4456%4,410
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.1087%1,915
Return on assets (ROA)1.1087%2,002
Pretax return on assets1.1087%3,134
Return on Equity (ROE)9.6172%2,247
Retained earnings to average equity (ytd only)-0.9548%5,685
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8061%3,533
Assets per employee ($millions)4.1396%3,591
Cash dividends to net income (ytd only)*109.9281%404
Condition Ratios (%)
Loss allowance to loans1.3125%3,179
Loan loss allowance to noncurrent loans391.2892%1,284
Noncurrent assets plus other real estate owned to assets0.2311%4,951
Noncurrent loans to loans0.3354%4,485
Net loans and leases to total assets67.9910%2,645
Net loans and leases to deposits78.9852%2,907
Net loans and leases to core deposits81.5350%3,235
Total domestic deposits to total assets86.0807%2,657
Equity capital to assets11.5616%2,362
Core capital (leverage) ratio11.6385%1,899
Tier 1 risk-based capital ratio23.2176%1,048
Total risk-based capital ratio24.4741%1,032
Memoranda:
Average total assets$125,369,3304,051
Average earning assets$122,353,6703,907
Average equity$14,453,3303,972
Average total loans$84,927,0003,751
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1231%2,735
Cost of funding earning assets0.6769%968
Net interest margin3.4462%3,639
Noninterest income to average assets0.1651%5,744
Noninterest expense to average assets2.4516%4,439
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.0765%1,943
Return on assets (ROA)1.0765%2,062
Pretax return on assets1.0765%3,186
Return on Equity (ROE)9.3511%2,285
Retained earnings to average equity (ytd only)4.0825%3,555
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.4869%3,581
Assets per employee ($millions)4.3806%3,231
Cash dividends to net income (ytd only)*56.3422%1,539
Condition Ratios (%)
Loss allowance to loans1.3353%3,217
Loan loss allowance to noncurrent loans373.0897%1,295
Noncurrent assets plus other real estate owned to assets0.3235%4,694
Noncurrent loans to loans0.3579%4,524
Net loans and leases to total assets65.3164%2,876
Net loans and leases to deposits75.7205%3,086
Net loans and leases to core deposits79.2694%3,256
Total domestic deposits to total assets86.2599%2,789
Equity capital to assets11.4730%2,485
Core capital (leverage) ratio11.6094%1,919
Tier 1 risk-based capital ratio24.0591%990
Total risk-based capital ratio25.3153%972
Memoranda:
Average total assets$125,960,5004,065
Average earning assets$122,918,5003,927
Average equity$14,501,0003,996
Average total loans$84,611,0003,786
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2839%2,666
Cost of funding earning assets0.7397%900
Net interest margin3.5442%3,624
Noninterest income to average assets0.2176%5,547
Noninterest expense to average assets2.2657%5,202
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets1.4050%1,076
Return on assets (ROA)1.4050%1,105
Pretax return on assets1.4050%1,868
Return on Equity (ROE)12.7810%1,185
Retained earnings to average equity (ytd only)7.2901%1,278
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7241%4,949
Assets per employee ($millions)4.3063%3,354
Cash dividends to net income (ytd only)*42.9617%2,702
Condition Ratios (%)
Loss allowance to loans1.3193%3,322
Loan loss allowance to noncurrent loans280.7500%1,727
Noncurrent assets plus other real estate owned to assets0.3203%4,763
Noncurrent loans to loans0.4699%4,245
Net loans and leases to total assets67.2624%2,685
Net loans and leases to deposits78.0452%2,967
Net loans and leases to core deposits82.0890%3,098
Total domestic deposits to total assets86.1840%2,731
Equity capital to assets11.5523%2,382
Core capital (leverage) ratio11.5523%1,940
Tier 1 risk-based capital ratio23.5959%995
Total risk-based capital ratio24.8536%978
Memoranda:
Average total assets$126,405,0004,050
Average earning assets$123,158,8003,899
Average equity$13,895,6004,044
Average total loans$87,405,0003,689
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2997%2,635
Cost of funding earning assets0.7330%976
Net interest margin3.5667%3,570
Noninterest income to average assets0.2314%5,547
Noninterest expense to average assets2.2305%5,283
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.4754%983
Return on assets (ROA)1.4754%1,013
Pretax return on assets1.4754%1,724
Return on Equity (ROE)13.5919%1,075
Retained earnings to average equity (ytd only)6.2001%2,272
Net charge-offs to loans0.0106%4,365
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)200.4952%320
Efficiency ratio60.1873%5,151
Assets per employee ($millions)4.3370%3,235
Cash dividends to net income (ytd only)*54.3836%1,631
Condition Ratios (%)
Loss allowance to loans1.2666%3,840
Loan loss allowance to noncurrent loans1,023.8532%550
Noncurrent assets plus other real estate owned to assets0.0867%5,815
Noncurrent loans to loans0.1237%5,558
Net loans and leases to total assets69.1688%2,333
Net loans and leases to deposits80.5330%2,612
Net loans and leases to core deposits84.6947%2,812
Total domestic deposits to total assets85.8888%2,906
Equity capital to assets11.1742%2,793
Core capital (leverage) ratio11.1742%2,332
Tier 1 risk-based capital ratio22.6054%1,174
Total risk-based capital ratio23.8616%1,155
Memoranda:
Average total assets$126,785,2504,069
Average earning assets$123,510,2503,919
Average equity$13,762,7504,084
Average total loans$87,975,5003,709
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2571%2,752
Cost of funding earning assets0.7386%973
Net interest margin3.5185%3,704
Noninterest income to average assets0.1526%6,033
Noninterest expense to average assets2.1806%5,462
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.3971%1,070
Return on assets (ROA)1.3971%1,110
Pretax return on assets1.3971%1,896
Return on Equity (ROE)12.9961%1,178
Retained earnings to average equity (ytd only)7.4054%1,566
Net charge-offs to loans0.0159%3,911
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)126.8571%472
Efficiency ratio60.9499%5,149
Assets per employee ($millions)4.3526%3,174
Cash dividends to net income (ytd only)*43.0180%2,266
Condition Ratios (%)
Loss allowance to loans1.2490%4,168
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0333%6,106
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets69.9011%2,103
Net loans and leases to deposits81.2464%2,355
Net loans and leases to core deposits85.2055%2,589
Total domestic deposits to total assets86.0359%3,021
Equity capital to assets11.0280%2,846
Core capital (leverage) ratio11.0280%2,399
Tier 1 risk-based capital ratio21.9047%1,272
Total risk-based capital ratio23.1604%1,248
Memoranda:
Average total assets$127,123,0004,092
Average earning assets$123,745,3303,939
Average equity$13,665,6704,109
Average total loans$87,930,3303,716
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2365%2,734
Cost of funding earning assets0.7389%1,025
Net interest margin3.4976%3,702
Noninterest income to average assets0.1411%6,132
Noninterest expense to average assets2.1603%5,557
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.3796%1,037
Return on assets (ROA)1.3796%1,079
Pretax return on assets1.3796%1,820
Return on Equity (ROE)13.0000%1,162
Retained earnings to average equity (ytd only)7.3568%1,880
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0275%5,265
Assets per employee ($millions)4.3991%3,152
Cash dividends to net income (ytd only)*43.4091%1,882
Condition Ratios (%)
Loss allowance to loans1.2926%4,165
Loan loss allowance to noncurrent loans2,246.0000%256
Noncurrent assets plus other real estate owned to assets0.0392%6,174
Noncurrent loans to loans0.0576%5,980
Net loans and leases to total assets67.2214%2,356
Net loans and leases to deposits77.8328%2,581
Net loans and leases to core deposits81.8753%2,746
Total domestic deposits to total assets86.3663%3,174
Equity capital to assets10.7099%3,029
Core capital (leverage) ratio10.7099%2,693
Tier 1 risk-based capital ratio21.8976%1,310
Total risk-based capital ratio23.1541%1,280
Memoranda:
Average total assets$127,572,5004,118
Average earning assets$123,970,0003,967
Average equity$13,538,5004,147
Average total loans$87,221,5003,765
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8134%1,283
Cost of funding earning assets0.8661%880
Net interest margin3.9473%2,113
Noninterest income to average assets0.0327%6,588
Noninterest expense to average assets2.1188%5,789
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.7380%540
Return on assets (ROA)1.7380%557
Pretax return on assets1.7380%879
Return on Equity (ROE)15.8819%635
Retained earnings to average equity (ytd only)0.5836%5,577
Net charge-offs to loans-0.0153%6,094
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.9369%6,055
Assets per employee ($millions)4.5561%2,813
Cash dividends to net income (ytd only)*96.3252%496
Condition Ratios (%)
Loss allowance to loans1.2825%4,220
Loan loss allowance to noncurrent loans2,291.8367%262
Noncurrent assets plus other real estate owned to assets0.0384%6,264
Noncurrent loans to loans0.0560%6,065
Net loans and leases to total assets67.7583%2,399
Net loans and leases to deposits78.2680%2,690
Net loans and leases to core deposits82.5510%2,828
Total domestic deposits to total assets86.5722%2,957
Equity capital to assets10.5149%3,135
Core capital (leverage) ratio10.5149%2,901
Tier 1 risk-based capital ratio20.9231%1,435
Total risk-based capital ratio22.1787%1,415
Memoranda:
Average total assets$125,261,2004,154
Average earning assets$121,348,2004,024
Average equity$13,707,4004,123
Average total loans$91,591,4003,653
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9574%1,018
Cost of funding earning assets0.8613%983
Net interest margin4.0961%1,646
Noninterest income to average assets0.0781%6,547
Noninterest expense to average assets2.0574%5,911
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.9922%368
Return on assets (ROA)1.9922%380
Pretax return on assets1.9922%583
Return on Equity (ROE)18.0247%440
Retained earnings to average equity (ytd only)7.5563%1,617
Net charge-offs to loans-0.0115%5,920
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.8054%6,349
Assets per employee ($millions)4.4723%2,926
Cash dividends to net income (ytd only)*58.0783%1,540
Condition Ratios (%)
Loss allowance to loans1.2325%4,731
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1174%6,078
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets71.4809%1,686
Net loans and leases to deposits84.5689%1,804
Net loans and leases to core deposits88.4043%2,140
Total domestic deposits to total assets84.5239%3,966
Equity capital to assets11.2725%2,494
Core capital (leverage) ratio11.2725%2,226
Tier 1 risk-based capital ratio21.2354%1,449
Total risk-based capital ratio22.4900%1,413
Memoranda:
Average total assets$124,683,7504,210
Average earning assets$120,893,7504,079
Average equity$13,780,7504,157
Average total loans$92,598,5003,655
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1407%709
Cost of funding earning assets0.8455%1,164
Net interest margin4.2952%1,043
Noninterest income to average assets-0.0514%6,836
Noninterest expense to average assets2.0112%6,026
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets2.1076%302
Return on assets (ROA)2.1076%317
Pretax return on assets2.1076%491
Return on Equity (ROE)19.1967%367
Retained earnings to average equity (ytd only)6.1892%2,329
Net charge-offs to loans-0.0172%5,920
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.8300%6,494
Assets per employee ($millions)4.1709%3,426
Cash dividends to net income (ytd only)*67.7591%1,272
Condition Ratios (%)
Loss allowance to loans1.2083%4,944
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1175%6,128
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets72.9882%1,404
Net loans and leases to deposits86.4488%1,526
Net loans and leases to core deposits90.3692%1,879
Total domestic deposits to total assets84.4294%4,155
Equity capital to assets10.9944%2,754
Core capital (leverage) ratio10.9944%2,360
Tier 1 risk-based capital ratio20.1727%1,687
Total risk-based capital ratio21.4279%1,659
Memoranda:
Average total assets$124,503,3304,247
Average earning assets$120,878,6704,104
Average equity$13,669,0004,212
Average total loans$93,255,0003,650
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5061%367
Cost of funding earning assets0.8407%1,304
Net interest margin4.6654%505
Noninterest income to average assets-0.0709%6,909
Noninterest expense to average assets1.9679%6,169
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets2.4833%160
Return on assets (ROA)2.4833%173
Pretax return on assets2.4833%274
Return on Equity (ROE)22.6349%174
Retained earnings to average equity (ytd only)17.0569%228
Net charge-offs to loans-0.0171%5,652
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.2113%6,766
Assets per employee ($millions)4.4720%3,023
Cash dividends to net income (ytd only)*24.6433%2,216
Condition Ratios (%)
Loss allowance to loans1.1892%5,227
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2572%5,797
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets73.8542%1,101
Net loans and leases to deposits87.6253%1,184
Net loans and leases to core deposits91.0225%1,603
Total domestic deposits to total assets84.2841%4,362
Equity capital to assets11.1127%2,834
Core capital (leverage) ratio11.1127%2,168
Tier 1 risk-based capital ratio20.1901%1,723
Total risk-based capital ratio21.4452%1,696
Memoranda:
Average total assets$124,191,5004,301
Average earning assets$120,375,5004,148
Average equity$13,625,0004,265
Average total loans$93,660,0003,660
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9112%1,804
Cost of funding earning assets1.1623%686
Net interest margin3.7490%3,444
Noninterest income to average assets0.1777%6,128
Noninterest expense to average assets2.0570%6,215
Loan and lease loss provision to assets0.4465%1,415
Net operating income to assets1.2958%1,314
Return on assets (ROA)1.2958%1,466
Pretax return on assets1.2958%2,422
Return on Equity (ROE)12.8314%1,277
Retained earnings to average equity (ytd only)4.4906%3,072
Net charge-offs to loans0.6597%1,785
Credit loss provision to net charge-offs90.6646%3,453
Earnings coverage of net charge-offs (x)3.5380%3,689
Efficiency ratio54.1427%6,252
Assets per employee ($millions)4.3988%3,150
Cash dividends to net income (ytd only)*65.0030%1,559
Condition Ratios (%)
Loss allowance to loans1.1832%5,198
Loan loss allowance to noncurrent loans150.6793%2,367
Noncurrent assets plus other real estate owned to assets1.2958%3,488
Noncurrent loans to loans0.7852%4,610
Net loans and leases to total assets75.1993%1,023
Net loans and leases to deposits88.9969%1,167
Net loans and leases to core deposits92.7016%1,579
Total domestic deposits to total assets84.4965%4,085
Equity capital to assets10.8269%3,143
Core capital (leverage) ratio10.8269%2,409
Tier 1 risk-based capital ratio18.4624%2,115
Total risk-based capital ratio19.7140%2,082
Memoranda:
Average total assets$128,342,0004,179
Average earning assets$123,981,0004,019
Average equity$12,960,4004,367
Average total loans$95,805,8003,623
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8949%2,023
Cost of funding earning assets1.2299%601
Net interest margin3.6651%3,944
Noninterest income to average assets0.1831%6,210
Noninterest expense to average assets2.0806%6,207
Loan and lease loss provision to assets0.2407%2,645
Net operating income to assets1.4018%1,217
Return on assets (ROA)1.4018%1,342
Pretax return on assets1.4018%2,230
Return on Equity (ROE)14.1239%1,083
Retained earnings to average equity (ytd only)2.9118%4,810
Net charge-offs to loans0.2699%3,108
Credit loss provision to net charge-offs120.0000%2,414
Earnings coverage of net charge-offs (x)8.1899%2,490
Efficiency ratio55.8840%6,068
Assets per employee ($millions)4.3381%3,193
Cash dividends to net income (ytd only)*79.3836%665
Condition Ratios (%)
Loss allowance to loans1.2763%4,918
Loan loss allowance to noncurrent loans136.8481%2,462
Noncurrent assets plus other real estate owned to assets1.7631%2,961
Noncurrent loans to loans0.9326%4,567
Net loans and leases to total assets74.2131%1,219
Net loans and leases to deposits87.7967%1,376
Net loans and leases to core deposits93.1515%1,669
Total domestic deposits to total assets84.5283%3,963
Equity capital to assets10.3598%4,000
Core capital (leverage) ratio10.3598%3,089
Tier 1 risk-based capital ratio18.5925%2,134
Total risk-based capital ratio19.8465%2,100
Memoranda:
Average total assets$129,636,0004,195
Average earning assets$125,214,7504,037
Average equity$12,866,7504,424
Average total loans$96,325,0003,647
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9129%2,056
Cost of funding earning assets1.3065%511
Net interest margin3.6064%4,230
Noninterest income to average assets0.1894%6,203
Noninterest expense to average assets2.0563%6,320
Loan and lease loss provision to assets0.2429%2,635
Net operating income to assets1.3734%1,248
Return on assets (ROA)1.3734%1,409
Pretax return on assets1.3734%2,309
Return on Equity (ROE)14.0345%1,110
Retained earnings to average equity (ytd only)3.1222%4,549
Net charge-offs to loans0.3818%2,492
Credit loss provision to net charge-offs85.9459%3,162
Earnings coverage of net charge-offs (x)5.7189%2,771
Efficiency ratio55.9900%6,113
Assets per employee ($millions)4.4656%2,969
Cash dividends to net income (ytd only)*77.7531%845
Condition Ratios (%)
Loss allowance to loans1.1902%5,399
Loan loss allowance to noncurrent loans152.2667%2,210
Noncurrent assets plus other real estate owned to assets1.6123%3,305
Noncurrent loans to loans0.7816%4,942
Net loans and leases to total assets73.2133%1,364
Net loans and leases to deposits86.1097%1,580
Net loans and leases to core deposits91.4503%1,824
Total domestic deposits to total assets85.0233%3,844
Equity capital to assets10.0015%4,337
Core capital (leverage) ratio10.0015%3,417
Tier 1 risk-based capital ratio18.3235%2,189
Total risk-based capital ratio19.5770%2,155
Memoranda:
Average total assets$130,913,3304,188
Average earning assets$126,441,6704,024
Average equity$12,811,3304,432
Average total loans$96,910,0003,648
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9029%2,229
Cost of funding earning assets1.3581%492
Net interest margin3.5448%4,511
Noninterest income to average assets0.1732%6,339
Noninterest expense to average assets2.1182%6,236
Loan and lease loss provision to assets0.3799%1,663
Net operating income to assets1.0941%2,116
Return on assets (ROA)1.0941%2,308
Pretax return on assets1.0941%3,347
Return on Equity (ROE)11.3021%1,905
Retained earnings to average equity (ytd only)-0.6907%6,110
Net charge-offs to loans0.3409%2,288
Credit loss provision to net charge-offs150.6024%1,662
Earnings coverage of net charge-offs (x)5.8434%2,294
Efficiency ratio58.9679%5,775
Assets per employee ($millions)4.3566%3,288
Cash dividends to net income (ytd only)*106.1111%501
Condition Ratios (%)
Loss allowance to loans1.2579%5,210
Loan loss allowance to noncurrent loans568.0751%622
Noncurrent assets plus other real estate owned to assets1.1362%4,233
Noncurrent loans to loans0.2214%6,245
Net loans and leases to total assets72.6750%1,281
Net loans and leases to deposits85.2318%1,508
Net loans and leases to core deposits94.1405%1,454
Total domestic deposits to total assets85.2675%3,897
Equity capital to assets9.7401%4,467
Core capital (leverage) ratio9.7390%3,720
Tier 1 risk-based capital ratio17.9281%2,322
Total risk-based capital ratio19.1829%2,288
Memoranda:
Average total assets$131,619,5004,194
Average earning assets$126,945,0004,038
Average equity$12,741,0004,455
Average total loans$97,388,0003,652
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4171%1,370
Cost of funding earning assets1.6572%384
Net interest margin3.7599%4,030
Noninterest income to average assets0.2154%5,983
Noninterest expense to average assets2.3581%5,886
Loan and lease loss provision to assets0.1717%4,485
Net operating income to assets1.3014%1,248
Return on assets (ROA)1.3014%1,350
Pretax return on assets1.3014%2,126
Return on Equity (ROE)13.9702%937
Retained earnings to average equity (ytd only)5.2631%2,477
Net charge-offs to loans0.1138%5,238
Credit loss provision to net charge-offs188.4298%1,361
Earnings coverage of net charge-offs (x)16.1653%1,348
Efficiency ratio61.5490%5,528
Assets per employee ($millions)4.4181%3,043
Cash dividends to net income (ytd only)*62.3264%1,461
Condition Ratios (%)
Loss allowance to loans1.1848%5,468
Loan loss allowance to noncurrent loans1,042.8571%381
Noncurrent assets plus other real estate owned to assets1.4207%3,862
Noncurrent loans to loans0.1136%6,530
Net loans and leases to total assets73.4967%1,359
Net loans and leases to deposits85.9674%1,671
Net loans and leases to core deposits97.0143%1,410
Total domestic deposits to total assets85.4937%3,599
Equity capital to assets9.6211%4,716
Core capital (leverage) ratio9.4014%4,179
Tier 1 risk-based capital ratio17.7345%2,290
Total risk-based capital ratio18.9889%2,261
Memoranda:
Average total assets$132,778,8004,111
Average earning assets$127,688,8003,982
Average equity$12,369,2004,464
Average total loans$106,341,4003,463
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4830%1,295
Cost of funding earning assets1.6785%431
Net interest margin3.8045%3,857
Noninterest income to average assets0.2228%6,023
Noninterest expense to average assets2.2493%6,170
Loan and lease loss provision to assets0.2098%3,927
Net operating income to assets1.4243%1,111
Return on assets (ROA)1.4243%1,180
Pretax return on assets1.4243%1,869
Return on Equity (ROE)15.4149%762
Retained earnings to average equity (ytd only)3.6935%4,117
Net charge-offs to loans0.0049%6,118
Credit loss provision to net charge-offs5,225.0000%58
Earnings coverage of net charge-offs (x)407.2439%91
Efficiency ratio57.9219%6,020
Assets per employee ($millions)4.4977%2,922
Cash dividends to net income (ytd only)*76.0395%701
Condition Ratios (%)
Loss allowance to loans1.2050%5,439
Loan loss allowance to noncurrent loans7,447.0588%65
Noncurrent assets plus other real estate owned to assets1.2243%4,348
Noncurrent loans to loans0.0162%6,906
Net loans and leases to total assets76.9243%844
Net loans and leases to deposits91.5251%1,051
Net loans and leases to core deposits103.1955%1,025
Total domestic deposits to total assets84.0473%4,208
Equity capital to assets9.2203%5,479
Core capital (leverage) ratio9.1833%4,652
Tier 1 risk-based capital ratio16.9302%2,667
Total risk-based capital ratio18.1468%2,649
Memoranda:
Average total assets$132,838,0004,134
Average earning assets$127,809,0004,000
Average equity$12,273,5004,494
Average total loans$108,281,2503,457
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5561%1,161
Cost of funding earning assets1.6967%471
Net interest margin3.8594%3,492
Noninterest income to average assets0.3572%5,031
Noninterest expense to average assets2.2870%6,165
Loan and lease loss provision to assets0.2195%3,725
Net operating income to assets1.5620%787
Return on assets (ROA)1.5620%840
Pretax return on assets1.5620%1,353
Return on Equity (ROE)16.8936%564
Retained earnings to average equity (ytd only)2.3409%4,795
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.2128%6,400
Assets per employee ($millions)4.4596%2,911
Cash dividends to net income (ytd only)*86.1434%671
Condition Ratios (%)
Loss allowance to loans1.1100%5,916
Loan loss allowance to noncurrent loans71.0714%3,893
Noncurrent assets plus other real estate owned to assets1.4284%4,071
Noncurrent loans to loans1.5618%4,069
Net loans and leases to total assets79.5110%585
Net loans and leases to deposits94.6844%822
Net loans and leases to core deposits106.9277%871
Total domestic deposits to total assets83.9748%4,363
Equity capital to assets9.1525%5,356
Core capital (leverage) ratio9.1525%4,486
Tier 1 risk-based capital ratio15.6522%3,155
Total risk-based capital ratio16.9061%3,121
Memoranda:
Average total assets$132,140,6704,178
Average earning assets$127,068,0004,043
Average equity$12,217,6704,502
Average total loans$109,355,0003,473
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6738%931
Cost of funding earning assets1.7438%462
Net interest margin3.9300%2,998
Noninterest income to average assets0.2802%5,667
Noninterest expense to average assets2.3912%5,907
Loan and lease loss provision to assets0.2589%3,069
Net operating income to assets1.3921%1,075
Return on assets (ROA)1.3921%1,119
Pretax return on assets1.3921%1,746
Return on Equity (ROE)14.9787%823
Retained earnings to average equity (ytd only)6.6536%2,302
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1560%6,109
Assets per employee ($millions)4.4928%2,904
Cash dividends to net income (ytd only)*55.5799%1,345
Condition Ratios (%)
Loss allowance to loans1.0352%6,267
Loan loss allowance to noncurrent loans83.9378%3,381
Noncurrent assets plus other real estate owned to assets1.2142%4,522
Noncurrent loans to loans1.2333%4,626
Net loans and leases to total assets83.2067%262
Net loans and leases to deposits99.8122%477
Net loans and leases to core deposits112.0633%657
Total domestic deposits to total assets83.3633%4,766
Equity capital to assets9.4443%4,511
Core capital (leverage) ratio9.4443%3,895
Tier 1 risk-based capital ratio15.6869%3,062
Total risk-based capital ratio16.9388%3,021
Memoranda:
Average total assets$131,316,5004,227
Average earning assets$125,700,5004,111
Average equity$12,204,0004,504
Average total loans$110,247,0003,483
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6652%1,697
Cost of funding earning assets1.9811%648
Net interest margin3.6840%4,425
Noninterest income to average assets0.3472%5,319
Noninterest expense to average assets2.1791%6,670
Loan and lease loss provision to assets0.0232%6,891
Net operating income to assets1.6537%566
Return on assets (ROA)1.6537%610
Pretax return on assets1.6537%1,030
Return on Equity (ROE)18.5908%335
Retained earnings to average equity (ytd only)10.2798%469
Net charge-offs to loans0.0325%6,479
Credit loss provision to net charge-offs88.2353%5,199
Earnings coverage of net charge-offs (x)63.6471%376
Efficiency ratio56.5113%6,527
Assets per employee ($millions)4.5636%2,770
Cash dividends to net income (ytd only)*44.7048%2,361
Condition Ratios (%)
Loss allowance to loans0.9428%6,599
Loan loss allowance to noncurrent loans76.3504%3,676
Noncurrent assets plus other real estate owned to assets2.0621%3,271
Noncurrent loans to loans1.2348%4,659
Net loans and leases to total assets83.0448%380
Net loans and leases to deposits99.0760%636
Net loans and leases to core deposits112.1939%803
Total domestic deposits to total assets83.8193%4,440
Equity capital to assets9.1452%4,926
Core capital (leverage) ratio9.1452%4,272
Tier 1 risk-based capital ratio15.0258%3,235
Total risk-based capital ratio16.2760%3,191
Memoranda:
Average total assets$129,043,0004,292
Average earning assets$122,908,8004,166
Average equity$11,478,8004,738
Average total loans$104,762,8003,660
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7394%1,579
Cost of funding earning assets1.9972%757
Net interest margin3.7423%4,221
Noninterest income to average assets0.3400%5,444
Noninterest expense to average assets2.1640%6,702
Loan and lease loss provision to assets0.0312%6,760
Net operating income to assets1.7106%611
Return on assets (ROA)1.7106%664
Pretax return on assets1.7106%1,095
Return on Equity (ROE)19.3706%352
Retained earnings to average equity (ytd only)8.1368%1,376
Net charge-offs to loans0.0439%6,098
Credit loss provision to net charge-offs88.2353%4,840
Earnings coverage of net charge-offs (x)49.2672%569
Efficiency ratio55.4047%6,634
Assets per employee ($millions)4.6745%2,639
Cash dividends to net income (ytd only)*57.9940%1,321
Condition Ratios (%)
Loss allowance to loans1.0205%6,300
Loan loss allowance to noncurrent loans131.5723%2,158
Noncurrent assets plus other real estate owned to assets1.4001%4,357
Noncurrent loans to loans0.7756%5,661
Net loans and leases to total assets74.8429%1,609
Net loans and leases to deposits90.2691%1,690
Net loans and leases to core deposits102.3991%1,617
Total domestic deposits to total assets82.9109%4,628
Equity capital to assets8.5667%6,197
Core capital (leverage) ratio8.5667%5,392
Tier 1 risk-based capital ratio14.8561%3,324
Total risk-based capital ratio16.1072%3,300
Memoranda:
Average total assets$128,218,0004,367
Average earning assets$122,169,2504,239
Average equity$11,322,7504,853
Average total loans$103,216,0003,756
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9406%1,079
Cost of funding earning assets2.0248%841
Net interest margin3.9158%3,372
Noninterest income to average assets0.3642%5,222
Noninterest expense to average assets2.1849%6,683
Loan and lease loss provision to assets0.0477%6,489
Net operating income to assets1.8558%441
Return on assets (ROA)1.8558%482
Pretax return on assets1.8558%807
Return on Equity (ROE)20.7910%268
Retained earnings to average equity (ytd only)7.1976%1,755
Net charge-offs to loans0.0657%5,485
Credit loss provision to net charge-offs88.2353%4,471
Earnings coverage of net charge-offs (x)35.2059%808
Efficiency ratio53.4422%6,938
Assets per employee ($millions)4.4354%2,993
Cash dividends to net income (ytd only)*65.3813%1,147
Condition Ratios (%)
Loss allowance to loans1.0094%6,360
Loan loss allowance to noncurrent loans138.7268%2,000
Noncurrent assets plus other real estate owned to assets1.5214%4,176
Noncurrent loans to loans0.7276%5,802
Net loans and leases to total assets79.7501%838
Net loans and leases to deposits100.9079%654
Net loans and leases to core deposits100.9079%1,928
Total domestic deposits to total assets79.0326%6,031
Equity capital to assets8.8052%5,746
Core capital (leverage) ratio8.8052%4,905
Tier 1 risk-based capital ratio14.4728%3,460
Total risk-based capital ratio15.7238%3,424
Memoranda:
Average total assets$125,770,6704,454
Average earning assets$119,617,3304,321
Average equity$11,226,0004,876
Average total loans$103,453,6703,789
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1538%704
Cost of funding earning assets2.0502%941
Net interest margin4.1037%2,419
Noninterest income to average assets0.3699%5,184
Noninterest expense to average assets2.1875%6,718
Loan and lease loss provision to assets0.0483%6,180
Net operating income to assets2.0428%327
Return on assets (ROA)2.0428%356
Pretax return on assets2.0428%565
Return on Equity (ROE)22.7273%241
Retained earnings to average equity (ytd only)18.1818%237
Net charge-offs to loans0.1316%4,169
Credit loss provision to net charge-offs44.1176%4,570
Earnings coverage of net charge-offs (x)19.1176%1,212
Efficiency ratio51.1278%7,228
Assets per employee ($millions)4.2766%3,330
Cash dividends to net income (ytd only)*20.0000%2,236
Condition Ratios (%)
Loss allowance to loans1.0028%6,450
Loan loss allowance to noncurrent loans127.2840%2,185
Noncurrent assets plus other real estate owned to assets1.7046%3,923
Noncurrent loans to loans0.7879%5,745
Net loans and leases to total assets82.0651%590
Net loans and leases to deposits107.8500%348
Net loans and leases to core deposits107.8500%1,428
Total domestic deposits to total assets76.0920%6,743
Equity capital to assets9.2162%4,971
Core capital (leverage) ratio9.2162%4,195
Tier 1 risk-based capital ratio14.8716%3,167
Total risk-based capital ratio16.1232%3,131
Memoranda:
Average total assets$124,342,0004,535
Average earning assets$118,430,0004,414
Average equity$11,176,0004,929
Average total loans$103,367,0003,844
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1759%1,303
Cost of funding earning assets2.3129%1,603
Net interest margin3.8630%3,422
Noninterest income to average assets0.3157%5,823
Noninterest expense to average assets2.3257%6,671
Loan and lease loss provision to assets0.2344%5,494
Net operating income to assets1.4549%746
Return on assets (ROA)1.4549%810
Pretax return on assets1.4549%1,302
Return on Equity (ROE)16.4027%516
Retained earnings to average equity (ytd only)7.9198%721
Net charge-offs to loans-0.0040%7,712
Credit loss provision to net charge-offs-6,925.0000%7,506
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9258%6,774
Assets per employee ($millions)4.1554%3,511
Cash dividends to net income (ytd only)*51.7161%2,389
Condition Ratios (%)
Loss allowance to loans1.0113%6,319
Loan loss allowance to noncurrent loans261.4428%1,160
Noncurrent assets plus other real estate owned to assets1.2369%4,622
Noncurrent loans to loans0.3868%6,504
Net loans and leases to total assets82.5217%606
Net loans and leases to deposits111.1887%342
Net loans and leases to core deposits179.8559%167
Total domestic deposits to total assets74.2177%6,989
Equity capital to assets8.7612%5,499
Core capital (leverage) ratio8.7612%4,817
Tier 1 risk-based capital ratio14.0359%3,479
Total risk-based capital ratio15.2618%3,446
Memoranda:
Average total assets$118,155,6004,626
Average earning assets$113,150,4004,470
Average equity$10,480,0005,171
Average total loans$99,867,4003,955
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2196%1,321
Cost of funding earning assets2.3798%1,701
Net interest margin3.8398%3,483
Noninterest income to average assets0.3112%5,995
Noninterest expense to average assets2.2529%6,828
Loan and lease loss provision to assets0.2883%4,671
Net operating income to assets1.4531%910
Return on assets (ROA)1.4531%970
Pretax return on assets1.4531%1,548
Return on Equity (ROE)16.3295%618
Retained earnings to average equity (ytd only)6.5318%1,697
Net charge-offs to loans0.0013%6,979
Credit loss provision to net charge-offs25,200.0000%9
Earnings coverage of net charge-offs (x)1,525.7744%9
Efficiency ratio56.4022%6,946
Assets per employee ($millions)4.1496%3,459
Cash dividends to net income (ytd only)*59.9998%1,596
Condition Ratios (%)
Loss allowance to loans0.9945%6,332
Loan loss allowance to noncurrent loans241.0377%1,230
Noncurrent assets plus other real estate owned to assets0.3523%6,604
Noncurrent loans to loans0.4126%6,513
Net loans and leases to total assets84.5478%478
Net loans and leases to deposits111.5223%413
Net loans and leases to core deposits179.0732%191
Total domestic deposits to total assets75.8125%6,616
Equity capital to assets8.8084%5,778
Core capital (leverage) ratio8.8084%4,959
Tier 1 risk-based capital ratio14.0535%3,517
Total risk-based capital ratio15.3051%3,465
Memoranda:
Average total assets$116,528,7504,685
Average earning assets$111,773,0004,543
Average equity$10,369,5005,235
Average total loans$98,853,0004,021
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4315%938
Cost of funding earning assets2.4575%1,756
Net interest margin3.9740%2,816
Noninterest income to average assets0.2950%6,146
Noninterest expense to average assets2.3044%6,748
Loan and lease loss provision to assets0.3818%3,632
Net operating income to assets1.4194%979
Return on assets (ROA)1.4194%1,053
Pretax return on assets1.4194%1,670
Return on Equity (ROE)15.8948%712
Retained earnings to average equity (ytd only)3.5559%3,320
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.1285%7,106
Assets per employee ($millions)3.9790%3,720
Cash dividends to net income (ytd only)*77.6284%1,128
Condition Ratios (%)
Loss allowance to loans1.0088%6,173
Loan loss allowance to noncurrent loans215.9041%1,403
Noncurrent assets plus other real estate owned to assets0.3978%6,469
Noncurrent loans to loans0.4672%6,358
Net loans and leases to total assets84.2761%593
Net loans and leases to deposits109.7398%560
Net loans and leases to core deposits173.3242%283
Total domestic deposits to total assets76.7963%6,377
Equity capital to assets8.9045%5,447
Core capital (leverage) ratio8.9045%4,776
Tier 1 risk-based capital ratio13.9950%3,520
Total risk-based capital ratio15.2467%3,458
Memoranda:
Average total assets$115,258,6704,743
Average earning assets$110,519,0004,612
Average equity$10,292,6705,281
Average total loans$97,548,6704,081
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4136%1,040
Cost of funding earning assets2.5611%1,697
Net interest margin3.8525%3,237
Noninterest income to average assets0.2570%6,394
Noninterest expense to average assets2.0522%7,232
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.8925%441
Return on assets (ROA)1.8925%489
Pretax return on assets1.8925%810
Return on Equity (ROE)21.1620%352
Retained earnings to average equity (ytd only)16.2695%320
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.0246%7,417
Assets per employee ($millions)3.9578%3,757
Cash dividends to net income (ytd only)*23.1193%2,489
Condition Ratios (%)
Loss allowance to loans0.7910%7,190
Loan loss allowance to noncurrent loans185.7831%1,778
Noncurrent assets plus other real estate owned to assets0.3616%6,421
Noncurrent loans to loans0.4258%6,357
Net loans and leases to total assets84.2493%654
Net loans and leases to deposits110.2637%598
Net loans and leases to core deposits169.7558%351
Total domestic deposits to total assets76.4071%6,429
Equity capital to assets9.1578%5,140
Core capital (leverage) ratio9.1578%4,469
Tier 1 risk-based capital ratio14.3044%3,429
Total risk-based capital ratio15.3536%3,456
Memoranda:
Average total assets$115,192,5004,768
Average earning assets$110,266,5004,630
Average equity$10,301,5005,299
Average total loans$97,204,0004,108
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6302%2,340
Cost of funding earning assets2.9861%1,919
Net interest margin3.6441%4,705
Noninterest income to average assets0.3484%5,951
Noninterest expense to average assets2.2392%6,866
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets1.5946%844
Return on assets (ROA)1.5946%806
Pretax return on assets1.5946%1,395
Return on Equity (ROE)18.6979%476
Retained earnings to average equity (ytd only)12.0020%226
Net charge-offs to loans0.0181%6,615
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)104.4706%413
Efficiency ratio58.4075%6,621
Assets per employee ($millions)3.9865%3,554
Cash dividends to net income (ytd only)*35.8108%3,846
Condition Ratios (%)
Loss allowance to loans0.7953%7,124
Loan loss allowance to noncurrent loans135.7394%2,688
Noncurrent assets plus other real estate owned to assets0.4913%5,732
Noncurrent loans to loans0.5859%5,618
Net loans and leases to total assets83.1838%1,016
Net loans and leases to deposits113.1415%659
Net loans and leases to core deposits173.0699%359
Total domestic deposits to total assets73.5220%6,736
Equity capital to assets8.7294%5,762
Core capital (leverage) ratio8.7294%5,151
Tier 1 risk-based capital ratio13.6565%3,718
Total risk-based capital ratio14.6998%3,753
Memoranda:
Average total assets$111,378,4004,738
Average earning assets$106,527,8004,605
Average equity$9,498,4005,573
Average total loans$93,746,2004,113