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Great Oaks Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8590%764
Cost of funding earning assets1.3352%2,407
Net interest margin4.5237%592
Noninterest income to average assets0.4600%2,177
Noninterest expense to average assets3.1549%868
Loan and lease loss provision to assets0.1400%913
Net operating income to assets1.4314%1,155
Return on assets (ROA)1.3355%1,328
Pretax return on assets1.3355%1,776
Return on Equity (ROE)17.7100%863
Retained earnings to average equity (ytd only)8.0961%1,508
Net charge-offs to loans-0.1401%4,529
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio66.7549%2,253
Assets per employee ($millions)5.5919%3,168
Cash dividends to net income (ytd only)*54.2857%1,435
Condition Ratios (%)
Loss allowance to loans1.6847%688
Loan loss allowance to noncurrent loans3,964.4444%291
Noncurrent assets plus other real estate owned to assets0.0255%3,529
Noncurrent loans to loans0.0425%3,420
Net loans and leases to total assets59.1000%2,935
Net loans and leases to deposits64.8034%3,245
Net loans and leases to core deposits69.9836%3,307
Total domestic deposits to total assets91.2000%453
Equity capital to assets7.6082%3,655
Core capital (leverage) ratio9.8218%2,954
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0289%2,573
Memoranda:
Average total assets$327,581,0002,279
Average earning assets$309,014,0002,250
Average equity$24,703,4002,537
Average total loans$192,674,0002,341
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7687%717
Cost of funding earning assets1.1967%2,439
Net interest margin4.5720%555
Noninterest income to average assets0.4800%2,060
Noninterest expense to average assets3.2403%776
Loan and lease loss provision to assets0.1500%774
Net operating income to assets1.3922%1,341
Return on assets (ROA)1.2619%1,617
Pretax return on assets1.2619%2,139
Return on Equity (ROE)16.7700%1,117
Retained earnings to average equity (ytd only)11.9497%977
Net charge-offs to loans0.0149%1,864
Credit loss provision to net charge-offs1,833.3333%261
Earnings coverage of net charge-offs (x)176.9524%652
Efficiency ratio67.7626%2,038
Assets per employee ($millions)5.1805%3,454
Cash dividends to net income (ytd only)*28.7640%2,108
Condition Ratios (%)
Loss allowance to loans1.5126%1,076
Loan loss allowance to noncurrent loans7,018.6047%179
Noncurrent assets plus other real estate owned to assets0.0134%3,707
Noncurrent loans to loans0.0216%3,610
Net loans and leases to total assets61.1800%2,733
Net loans and leases to deposits67.3548%3,022
Net loans and leases to core deposits68.2539%3,307
Total domestic deposits to total assets90.8300%712
Equity capital to assets7.8241%3,168
Core capital (leverage) ratio10.1049%2,723
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8425%2,325
Memoranda:
Average total assets$321,403,7502,312
Average earning assets$302,704,7502,290
Average equity$24,178,5002,555
Average total loans$187,896,5002,381
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5790%752
Cost of funding earning assets1.0395%2,482
Net interest margin4.5395%583
Noninterest income to average assets0.4600%2,088
Noninterest expense to average assets3.1959%796
Loan and lease loss provision to assets0.1300%871
Net operating income to assets1.4073%1,311
Return on assets (ROA)1.2113%1,788
Pretax return on assets1.2113%2,328
Return on Equity (ROE)16.3200%1,213
Retained earnings to average equity (ytd only)12.1284%958
Net charge-offs to loans0.0065%2,001
Credit loss provision to net charge-offs3,933.3333%138
Earnings coverage of net charge-offs (x)412.1667%349
Efficiency ratio67.5033%2,046
Assets per employee ($millions)4.8613%3,706
Cash dividends to net income (ytd only)*25.6805%2,236
Condition Ratios (%)
Loss allowance to loans1.5027%1,171
Loan loss allowance to noncurrent loans10,681.4815%138
Noncurrent assets plus other real estate owned to assets0.0082%3,773
Noncurrent loans to loans0.0141%3,677
Net loans and leases to total assets57.1800%3,030
Net loans and leases to deposits62.5960%3,270
Net loans and leases to core deposits63.4737%3,474
Total domestic deposits to total assets91.3500%540
Equity capital to assets7.4472%3,553
Core capital (leverage) ratio9.5483%3,196
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4108%2,500
Memoranda:
Average total assets$321,475,6672,320
Average earning assets$302,635,6672,296
Average equity$23,861,3332,577
Average total loans$184,020,3332,399
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3514%779
Cost of funding earning assets0.8270%2,618
Net interest margin4.5244%566
Noninterest income to average assets0.4600%2,027
Noninterest expense to average assets3.2070%787
Loan and lease loss provision to assets0.0800%1,320
Net operating income to assets1.4237%1,341
Return on assets (ROA)1.0261%2,416
Pretax return on assets1.0261%2,915
Return on Equity (ROE)13.8500%1,807
Retained earnings to average equity (ytd only)5.3315%2,946
Net charge-offs to loans0.0067%1,703
Credit loss provision to net charge-offs2,200.0000%181
Earnings coverage of net charge-offs (x)398.0000%278
Efficiency ratio68.0321%1,968
Assets per employee ($millions)5.1545%3,527
Cash dividends to net income (ytd only)*61.5006%930
Condition Ratios (%)
Loss allowance to loans1.4774%1,351
Loan loss allowance to noncurrent loans16,981.2500%113
Noncurrent assets plus other real estate owned to assets0.0049%3,853
Noncurrent loans to loans0.0087%3,767
Net loans and leases to total assets55.8000%3,049
Net loans and leases to deposits63.1859%3,153
Net loans and leases to core deposits63.9583%3,346
Total domestic deposits to total assets88.3000%1,817
Equity capital to assets7.4189%3,606
Core capital (leverage) ratio9.3405%3,368
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1848%2,666
Memoranda:
Average total assets$316,930,0002,378
Average earning assets$297,938,0002,358
Average equity$23,483,0002,625
Average total loans$180,072,0002,449
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0009%1,263
Cost of funding earning assets0.1778%3,539
Net interest margin3.8232%915
Noninterest income to average assets0.5800%1,791
Noninterest expense to average assets3.0163%883
Loan and lease loss provision to assets0.2000%448
Net operating income to assets0.9587%2,631
Return on assets (ROA)0.9619%2,591
Pretax return on assets0.9619%3,134
Return on Equity (ROE)11.1400%2,324
Retained earnings to average equity (ytd only)8.2625%1,905
Net charge-offs to loans0.0390%1,106
Credit loss provision to net charge-offs922.9167%426
Earnings coverage of net charge-offs (x)53.3958%1,246
Efficiency ratio72.2409%1,481
Assets per employee ($millions)5.1449%3,551
Cash dividends to net income (ytd only)*25.8580%2,217
Condition Ratios (%)
Loss allowance to loans1.3343%1,868
Loan loss allowance to noncurrent loans9,700.0000%150
Noncurrent assets plus other real estate owned to assets0.1089%2,871
Noncurrent loans to loans0.0138%3,836
Net loans and leases to total assets57.6900%2,733
Net loans and leases to deposits62.6433%2,974
Net loans and leases to core deposits63.6535%3,145
Total domestic deposits to total assets92.0900%852
Equity capital to assets7.4627%3,239
Core capital (leverage) ratio10.2006%2,359
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0692%2,450
Memoranda:
Average total assets$294,831,0002,496
Average earning assets$277,494,2502,472
Average equity$25,447,7502,599
Average total loans$164,115,7502,505
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8700%1,171
Cost of funding earning assets0.1449%3,635
Net interest margin3.7252%872
Noninterest income to average assets0.5544%1,924
Noninterest expense to average assets2.9683%882
Loan and lease loss provision to assets0.2261%348
Net operating income to assets0.8630%2,724
Return on assets (ROA)0.8677%2,678
Pretax return on assets0.8677%3,154
Return on Equity (ROE)9.6124%2,482
Retained earnings to average equity (ytd only)8.1034%1,578
Net charge-offs to loans0.0535%856
Credit loss provision to net charge-offs772.0930%481
Earnings coverage of net charge-offs (x)37.1860%1,296
Efficiency ratio73.1576%1,599
Assets per employee ($millions)4.7900%3,853
Cash dividends to net income (ytd only)*15.6986%2,624
Condition Ratios (%)
Loss allowance to loans1.3014%2,186
Loan loss allowance to noncurrent loans1,532.4138%676
Noncurrent assets plus other real estate owned to assets0.1526%2,647
Noncurrent loans to loans0.0849%3,356
Net loans and leases to total assets57.6760%2,565
Net loans and leases to deposits63.0844%2,798
Net loans and leases to core deposits64.1264%2,960
Total domestic deposits to total assets91.4268%1,049
Equity capital to assets8.2043%2,970
Core capital (leverage) ratio9.7232%2,694
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9240%2,092
Memoranda:
Average total assets$293,639,3332,516
Average earning assets$276,121,0002,502
Average equity$26,507,3332,607
Average total loans$160,662,6672,543
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7366%1,202
Cost of funding earning assets0.1601%3,370
Net interest margin3.5765%935
Noninterest income to average assets0.4783%2,253
Noninterest expense to average assets2.8821%990
Loan and lease loss provision to assets0.2364%285
Net operating income to assets0.7297%2,936
Return on assets (ROA)0.7297%2,927
Pretax return on assets0.7297%3,307
Return on Equity (ROE)7.7336%2,784
Retained earnings to average equity (ytd only)4.8533%2,647
Net charge-offs to loans0.0951%541
Credit loss provision to net charge-offs470.2703%535
Earnings coverage of net charge-offs (x)19.2162%1,291
Efficiency ratio74.8941%1,646
Assets per employee ($millions)4.9741%3,776
Cash dividends to net income (ytd only)*37.2439%1,576
Condition Ratios (%)
Loss allowance to loans1.2932%2,402
Loan loss allowance to noncurrent loans1,352.9412%718
Noncurrent assets plus other real estate owned to assets0.1521%2,727
Noncurrent loans to loans0.0956%3,365
Net loans and leases to total assets52.9401%2,889
Net loans and leases to deposits58.2250%3,054
Net loans and leases to core deposits59.1745%3,218
Total domestic deposits to total assets90.9233%1,072
Equity capital to assets8.6723%3,004
Core capital (leverage) ratio9.4738%2,830
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8594%1,852
Memoranda:
Average total assets$294,364,5002,521
Average earning assets$277,362,5002,512
Average equity$27,775,0002,621
Average total loans$155,621,5002,587
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8564%1,733
Cost of funding earning assets0.2713%2,692
Net interest margin3.5851%1,511
Noninterest income to average assets0.6221%2,068
Noninterest expense to average assets2.9775%1,021
Loan and lease loss provision to assets0.0794%1,544
Net operating income to assets0.9353%2,920
Return on assets (ROA)0.9356%2,983
Pretax return on assets0.9356%3,405
Return on Equity (ROE)10.6473%2,293
Retained earnings to average equity (ytd only)5.2415%2,696
Net charge-offs to loans0.0089%2,242
Credit loss provision to net charge-offs1,607.6923%364
Earnings coverage of net charge-offs (x)205.3846%530
Efficiency ratio74.5835%1,244
Assets per employee ($millions)5.0927%3,653
Cash dividends to net income (ytd only)*50.7717%1,474
Condition Ratios (%)
Loss allowance to loans1.2786%2,460
Loan loss allowance to noncurrent loans1,085.9551%831
Noncurrent assets plus other real estate owned to assets0.1650%2,785
Noncurrent loans to loans0.1177%3,344
Net loans and leases to total assets51.4128%3,129
Net loans and leases to deposits57.5634%3,291
Net loans and leases to core deposits58.5565%3,428
Total domestic deposits to total assets89.3149%1,348
Equity capital to assets10.2203%2,450
Core capital (leverage) ratio9.5218%2,837
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0928%1,814
Memoranda:
Average total assets$263,137,8002,645
Average earning assets$247,354,0002,635
Average equity$23,123,2002,970
Average total loans$145,474,2002,669
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9466%1,647
Cost of funding earning assets0.2841%2,758
Net interest margin3.6625%1,424
Noninterest income to average assets0.6366%2,066
Noninterest expense to average assets3.0291%920
Loan and lease loss provision to assets0.0160%2,686
Net operating income to assets1.0314%2,799
Return on assets (ROA)1.0319%2,861
Pretax return on assets1.0319%3,370
Return on Equity (ROE)12.3110%1,933
Retained earnings to average equity (ytd only)10.7597%1,111
Net charge-offs to loans0.0111%1,916
Credit loss provision to net charge-offs258.3333%1,078
Earnings coverage of net charge-offs (x)167.8333%627
Efficiency ratio74.3047%1,192
Assets per employee ($millions)4.9487%3,744
Cash dividends to net income (ytd only)*12.6008%2,865
Condition Ratios (%)
Loss allowance to loans1.2545%2,709
Loan loss allowance to noncurrent loans6,753.8462%184
Noncurrent assets plus other real estate owned to assets0.1575%3,068
Noncurrent loans to loans0.0186%4,062
Net loans and leases to total assets48.1559%3,615
Net loans and leases to deposits54.2446%3,720
Net loans and leases to core deposits55.1293%3,849
Total domestic deposits to total assets88.7754%1,415
Equity capital to assets10.6612%2,305
Core capital (leverage) ratio10.2011%2,309
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.2105%925
Memoranda:
Average total assets$256,351,2502,704
Average earning assets$240,775,7502,698
Average equity$21,487,0003,129
Average total loans$144,048,7502,726
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9033%1,806
Cost of funding earning assets0.2967%2,804
Net interest margin3.6067%1,577
Noninterest income to average assets0.6200%2,130
Noninterest expense to average assets3.1163%820
Loan and lease loss provision to assets0.0252%2,469
Net operating income to assets0.8573%3,345
Return on assets (ROA)0.8581%3,420
Pretax return on assets0.8581%3,752
Return on Equity (ROE)11.4476%2,255
Retained earnings to average equity (ytd only)8.7374%1,807
Net charge-offs to loans0.0124%1,711
Credit loss provision to net charge-offs344.4444%832
Earnings coverage of net charge-offs (x)120.6667%667
Efficiency ratio77.9313%914
Assets per employee ($millions)4.3258%4,239
Cash dividends to net income (ytd only)*23.6742%2,359
Condition Ratios (%)
Loss allowance to loans1.2422%2,718
Loan loss allowance to noncurrent loans5,863.3333%180
Noncurrent assets plus other real estate owned to assets0.1728%3,110
Noncurrent loans to loans0.0212%4,117
Net loans and leases to total assets52.9950%3,253
Net loans and leases to deposits57.5125%3,594
Net loans and leases to core deposits58.2484%3,746
Total domestic deposits to total assets92.1452%101
Equity capital to assets7.1818%4,807
Core capital (leverage) ratio6.8007%4,879
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9427%2,385
Memoranda:
Average total assets$246,127,6672,764
Average earning assets$230,572,6672,760
Average equity$18,449,3333,387
Average total loans$145,407,0002,731
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8365%1,990
Cost of funding earning assets0.3048%2,938
Net interest margin3.5316%1,743
Noninterest income to average assets0.6558%2,005
Noninterest expense to average assets3.2118%706
Loan and lease loss provision to assets0.0523%2,060
Net operating income to assets0.6929%3,725
Return on assets (ROA)0.6946%3,785
Pretax return on assets0.6946%4,030
Return on Equity (ROE)9.0557%3,017
Retained earnings to average equity (ytd only)6.8577%2,625
Net charge-offs to loans0.0163%1,418
Credit loss provision to net charge-offs516.6667%585
Earnings coverage of net charge-offs (x)73.6667%738
Efficiency ratio81.1674%746
Assets per employee ($millions)4.2581%4,304
Cash dividends to net income (ytd only)*24.2718%1,880
Condition Ratios (%)
Loss allowance to loans1.1997%2,935
Loan loss allowance to noncurrent loans5,339.3939%182
Noncurrent assets plus other real estate owned to assets0.1827%3,255
Noncurrent loans to loans0.0225%4,174
Net loans and leases to total assets57.7611%2,820
Net loans and leases to deposits62.7452%3,250
Net loans and leases to core deposits63.5873%3,451
Total domestic deposits to total assets92.0566%131
Equity capital to assets7.2695%4,783
Core capital (leverage) ratio7.2314%4,849
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3578%2,544
Memoranda:
Average total assets$237,253,5002,817
Average earning assets$221,767,0002,804
Average equity$18,198,5003,404
Average total loans$147,310,5002,724
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6714%946
Cost of funding earning assets0.4229%3,442
Net interest margin4.2486%566
Noninterest income to average assets0.7028%1,857
Noninterest expense to average assets3.4730%721
Loan and lease loss provision to assets0.1735%2,220
Net operating income to assets0.9859%2,346
Return on assets (ROA)0.9859%2,485
Pretax return on assets0.9859%3,086
Return on Equity (ROE)11.1122%1,590
Retained earnings to average equity (ytd only)6.5748%1,561
Net charge-offs to loans0.0059%3,132
Credit loss provision to net charge-offs4,175.0000%251
Earnings coverage of net charge-offs (x)279.0000%364
Efficiency ratio74.9720%1,337
Assets per employee ($millions)3.7844%4,519
Cash dividends to net income (ytd only)*40.8325%2,324
Condition Ratios (%)
Loss allowance to loans1.1757%3,078
Loan loss allowance to noncurrent loans4,236.5854%234
Noncurrent assets plus other real estate owned to assets0.2092%3,242
Noncurrent loans to loans0.0278%4,208
Net loans and leases to total assets65.3935%2,171
Net loans and leases to deposits71.7363%2,712
Net loans and leases to core deposits72.8371%3,010
Total domestic deposits to total assets91.1581%188
Equity capital to assets8.1217%4,654
Core capital (leverage) ratio8.0192%4,618
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9355%2,261
Memoranda:
Average total assets$192,515,4003,009
Average earning assets$178,060,6003,015
Average equity$17,080,4003,447
Average total loans$134,587,4002,807
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6735%1,127
Cost of funding earning assets0.4516%3,523
Net interest margin4.2220%699
Noninterest income to average assets0.6038%2,163
Noninterest expense to average assets3.4562%749
Loan and lease loss provision to assets0.1769%2,216
Net operating income to assets0.8693%2,827
Return on assets (ROA)0.8693%2,960
Pretax return on assets0.8693%3,468
Return on Equity (ROE)9.5536%2,186
Retained earnings to average equity (ytd only)5.5894%2,291
Net charge-offs to loans0.0081%2,822
Credit loss provision to net charge-offs3,062.5000%343
Earnings coverage of net charge-offs (x)181.2500%518
Efficiency ratio76.7665%1,135
Assets per employee ($millions)3.4704%4,678
Cash dividends to net income (ytd only)*41.4938%1,869
Condition Ratios (%)
Loss allowance to loans1.0990%3,219
Loan loss allowance to noncurrent loans1,267.6923%488
Noncurrent assets plus other real estate owned to assets0.3382%2,787
Noncurrent loans to loans0.0867%4,021
Net loans and leases to total assets74.9770%1,237
Net loans and leases to deposits83.2068%1,995
Net loans and leases to core deposits84.7875%2,402
Total domestic deposits to total assets90.1092%392
Equity capital to assets8.8540%4,215
Core capital (leverage) ratio8.1291%4,582
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2334%2,089
Memoranda:
Average total assets$184,824,5003,053
Average earning assets$170,658,5003,057
Average equity$16,817,0003,470
Average total loans$131,297,5002,856
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6666%1,484
Cost of funding earning assets0.5032%3,512
Net interest margin4.1635%993
Noninterest income to average assets0.6615%1,897
Noninterest expense to average assets3.3607%908
Loan and lease loss provision to assets0.1385%2,629
Net operating income to assets1.0039%2,311
Return on assets (ROA)1.0039%2,435
Pretax return on assets1.0039%3,018
Return on Equity (ROE)10.9258%1,654
Retained earnings to average equity (ytd only)7.9109%1,334
Net charge-offs to loans0.0208%2,307
Credit loss provision to net charge-offs961.5385%816
Earnings coverage of net charge-offs (x)79.3077%811
Efficiency ratio74.6309%1,404
Assets per employee ($millions)3.7413%4,516
Cash dividends to net income (ytd only)*27.5938%2,453
Condition Ratios (%)
Loss allowance to loans1.0467%3,335
Loan loss allowance to noncurrent loans2,719.6429%230
Noncurrent assets plus other real estate owned to assets0.6103%1,976
Noncurrent loans to loans0.0385%4,326
Net loans and leases to total assets71.2681%1,834
Net loans and leases to deposits78.9662%2,547
Net loans and leases to core deposits80.9202%2,876
Total domestic deposits to total assets90.2514%333
Equity capital to assets8.6334%4,399
Core capital (leverage) ratio8.2897%4,564
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3229%1,687
Memoranda:
Average total assets$180,496,0003,072
Average earning assets$166,544,0003,079
Average equity$16,584,6673,493
Average total loans$125,076,6672,917
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8543%1,302
Cost of funding earning assets0.6278%3,288
Net interest margin4.2265%870
Noninterest income to average assets0.7164%1,583
Noninterest expense to average assets3.6387%770
Loan and lease loss provision to assets0.1485%1,909
Net operating income to assets0.8319%2,791
Return on assets (ROA)0.8319%2,873
Pretax return on assets0.8319%3,325
Return on Equity (ROE)8.7398%2,212
Retained earnings to average equity (ytd only)2.5501%3,249
Net charge-offs to loans0.0453%1,572
Credit loss provision to net charge-offs484.6154%902
Earnings coverage of net charge-offs (x)32.0000%1,137
Efficiency ratio78.7755%1,258
Assets per employee ($millions)3.4984%4,482
Cash dividends to net income (ytd only)*70.8215%1,180
Condition Ratios (%)
Loss allowance to loans1.2577%2,352
Loan loss allowance to noncurrent loans2,001.3699%294
Noncurrent assets plus other real estate owned to assets0.7518%1,797
Noncurrent loans to loans0.0628%4,287
Net loans and leases to total assets65.5730%2,867
Net loans and leases to deposits72.7941%3,373
Net loans and leases to core deposits74.8809%3,576
Total domestic deposits to total assets90.0801%299
Equity capital to assets9.3185%4,375
Core capital (leverage) ratio9.1693%4,304
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2570%1,822
Memoranda:
Average total assets$169,729,0003,141
Average earning assets$156,727,0003,136
Average equity$16,156,0003,548
Average total loans$114,862,0003,014
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1133%1,188
Cost of funding earning assets0.5485%3,883
Net interest margin4.5648%616
Noninterest income to average assets0.7548%1,610
Noninterest expense to average assets3.7932%677
Loan and lease loss provision to assets0.2142%930
Net operating income to assets0.9259%3,108
Return on assets (ROA)0.9677%3,047
Pretax return on assets0.9677%3,548
Return on Equity (ROE)9.3782%2,576
Retained earnings to average equity (ytd only)5.0394%2,392
Net charge-offs to loans-0.0210%4,636
Credit loss provision to net charge-offs-1,538.0952%4,583
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.8889%1,276
Assets per employee ($millions)3.4279%4,541
Cash dividends to net income (ytd only)*46.2646%2,266
Condition Ratios (%)
Loss allowance to loans1.2425%2,213
Loan loss allowance to noncurrent loans1,832.4675%344
Noncurrent assets plus other real estate owned to assets0.9967%1,248
Noncurrent loans to loans0.0678%4,268
Net loans and leases to total assets68.1616%2,657
Net loans and leases to deposits76.0924%3,169
Net loans and leases to core deposits78.4251%3,423
Total domestic deposits to total assets89.5774%465
Equity capital to assets9.7315%4,167
Core capital (leverage) ratio9.7477%3,793
Tier 1 risk-based capital ratio14.5043%3,014
Total risk-based capital ratio15.7545%2,918
Memoranda:
Average total assets$150,771,6003,290
Average earning assets$138,012,6003,310
Average equity$15,557,4003,585
Average total loans$99,972,8003,226
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1451%1,168
Cost of funding earning assets0.5193%4,065
Net interest margin4.6258%584
Noninterest income to average assets0.8842%1,173
Noninterest expense to average assets3.8099%650
Loan and lease loss provision to assets0.2308%733
Net operating income to assets1.0679%2,700
Return on assets (ROA)1.1249%2,566
Pretax return on assets1.1249%3,221
Return on Equity (ROE)10.7311%2,128
Retained earnings to average equity (ytd only)6.4145%2,165
Net charge-offs to loans-0.0221%4,605
Credit loss provision to net charge-offs-1,593.7500%4,503
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.5793%1,482
Assets per employee ($millions)3.2399%4,718
Cash dividends to net income (ytd only)*40.2253%2,147
Condition Ratios (%)
Loss allowance to loans1.2434%2,273
Loan loss allowance to noncurrent loans1,299.0291%472
Noncurrent assets plus other real estate owned to assets1.4050%825
Noncurrent loans to loans0.0957%4,220
Net loans and leases to total assets68.3338%2,741
Net loans and leases to deposits76.8038%3,220
Net loans and leases to core deposits78.8982%3,478
Total domestic deposits to total assets88.9720%618
Equity capital to assets10.3059%3,722
Core capital (leverage) ratio10.3537%3,246
Tier 1 risk-based capital ratio15.2624%2,732
Total risk-based capital ratio16.5130%2,664
Memoranda:
Average total assets$147,330,2503,373
Average earning assets$134,546,5003,388
Average equity$15,443,7503,634
Average total loans$96,575,5003,313
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1192%1,176
Cost of funding earning assets0.4757%4,227
Net interest margin4.6435%560
Noninterest income to average assets0.8824%1,112
Noninterest expense to average assets3.7938%666
Loan and lease loss provision to assets0.2365%670
Net operating income to assets1.0913%2,560
Return on assets (ROA)1.1784%2,303
Pretax return on assets1.1784%2,983
Return on Equity (ROE)11.1743%1,911
Retained earnings to average equity (ytd only)4.6166%2,970
Net charge-offs to loans-0.0689%4,916
Credit loss provision to net charge-offs-534.3750%4,148
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0751%1,635
Assets per employee ($millions)3.1297%4,821
Cash dividends to net income (ytd only)*58.6854%1,444
Condition Ratios (%)
Loss allowance to loans1.2306%2,358
Loan loss allowance to noncurrent loans365.9942%1,316
Noncurrent assets plus other real estate owned to assets1.5208%735
Noncurrent loans to loans0.3362%3,337
Net loans and leases to total assets69.2956%2,631
Net loans and leases to deposits78.1560%3,140
Net loans and leases to core deposits79.9133%3,430
Total domestic deposits to total assets88.6632%800
Equity capital to assets10.6087%3,430
Core capital (leverage) ratio10.3408%3,250
Tier 1 risk-based capital ratio14.6894%2,972
Total risk-based capital ratio15.9153%2,913
Memoranda:
Average total assets$144,602,6703,418
Average earning assets$132,013,6703,444
Average equity$15,249,3303,659
Average total loans$92,898,6703,395
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8869%1,627
Cost of funding earning assets0.4332%4,355
Net interest margin4.4537%810
Noninterest income to average assets0.8789%1,085
Noninterest expense to average assets3.7501%698
Loan and lease loss provision to assets0.1674%1,004
Net operating income to assets1.0352%2,724
Return on assets (ROA)1.0352%2,762
Pretax return on assets1.0352%3,328
Return on Equity (ROE)9.8464%2,432
Retained earnings to average equity (ytd only)3.2114%3,643
Net charge-offs to loans-0.1185%5,067
Credit loss provision to net charge-offs-230.7692%3,670
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.7183%1,527
Assets per employee ($millions)3.2282%4,810
Cash dividends to net income (ytd only)*67.3854%1,171
Condition Ratios (%)
Loss allowance to loans1.2281%2,437
Loan loss allowance to noncurrent loans945.0820%625
Noncurrent assets plus other real estate owned to assets1.4324%858
Noncurrent loans to loans0.1299%4,155
Net loans and leases to total assets62.4475%3,460
Net loans and leases to deposits70.0769%3,760
Net loans and leases to core deposits71.7662%3,961
Total domestic deposits to total assets89.1128%811
Equity capital to assets10.2663%3,558
Core capital (leverage) ratio10.5031%3,048
Tier 1 risk-based capital ratio15.7159%2,563
Total risk-based capital ratio16.9250%2,500
Memoranda:
Average total assets$143,356,0003,476
Average earning assets$131,125,5003,500
Average equity$15,071,5003,693
Average total loans$87,747,5003,545
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5257%2,383
Cost of funding earning assets0.3319%4,398
Net interest margin4.1939%1,406
Noninterest income to average assets0.8061%1,428
Noninterest expense to average assets3.4536%1,063
Loan and lease loss provision to assets0.0558%3,052
Net operating income to assets1.0932%2,631
Return on assets (ROA)1.0932%2,625
Pretax return on assets1.0932%3,295
Return on Equity (ROE)12.6582%1,482
Retained earnings to average equity (ytd only)12.6582%267
Net charge-offs to loans-0.0845%5,111
Credit loss provision to net charge-offs-111.9403%4,406
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.0364%1,491
Assets per employee ($millions)3.0764%4,945
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.3074%2,001
Loan loss allowance to noncurrent loans1,035.9223%596
Noncurrent assets plus other real estate owned to assets1.7235%619
Noncurrent loans to loans0.1262%4,164
Net loans and leases to total assets58.1803%3,944
Net loans and leases to deposits65.8709%4,130
Net loans and leases to core deposits67.5980%4,260
Total domestic deposits to total assets88.3247%1,151
Equity capital to assets10.9212%2,769
Core capital (leverage) ratio11.5386%2,074
Tier 1 risk-based capital ratio17.9658%1,761
Total risk-based capital ratio19.2148%1,724
Memoranda:
Average total assets$134,467,8003,587
Average earning assets$121,725,8003,617
Average equity$11,613,0004,077
Average total loans$79,318,6003,680
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5348%2,172
Cost of funding earning assets0.3161%4,404
Net interest margin4.2187%1,306
Noninterest income to average assets0.7931%1,498
Noninterest expense to average assets3.4063%1,108
Loan and lease loss provision to assets0.0559%2,854
Net operating income to assets1.1438%2,463
Return on assets (ROA)1.1438%2,478
Pretax return on assets1.1438%3,222
Return on Equity (ROE)14.2191%1,060
Retained earnings to average equity (ytd only)14.2191%231
Net charge-offs to loans-0.0152%4,532
Credit loss provision to net charge-offs-622.2222%4,541
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9536%1,604
Assets per employee ($millions)3.3134%4,761
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.2466%2,380
Loan loss allowance to noncurrent loans733.3333%775
Noncurrent assets plus other real estate owned to assets1.8518%612
Noncurrent loans to loans0.1700%4,127
Net loans and leases to total assets60.6904%3,778
Net loans and leases to deposits67.0319%4,125
Net loans and leases to core deposits68.7019%4,266
Total domestic deposits to total assets90.5396%327
Equity capital to assets8.6494%4,833
Core capital (leverage) ratio8.6591%4,995
Tier 1 risk-based capital ratio13.6035%3,573
Total risk-based capital ratio14.7992%3,512
Memoranda:
Average total assets$133,475,5003,631
Average earning assets$120,634,5003,670
Average equity$10,736,5004,238
Average total loans$78,745,7503,721
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4417%2,284
Cost of funding earning assets0.2931%4,462
Net interest margin4.1486%1,417
Noninterest income to average assets0.8273%1,400
Noninterest expense to average assets3.3686%1,184
Loan and lease loss provision to assets0.0563%2,783
Net operating income to assets1.1594%2,352
Return on assets (ROA)1.1594%2,353
Pretax return on assets1.1594%3,099
Return on Equity (ROE)14.7691%899
Retained earnings to average equity (ytd only)14.7691%215
Net charge-offs to loans-0.0637%5,000
Credit loss provision to net charge-offs-152.0000%4,141
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.4799%1,786
Assets per employee ($millions)3.4942%4,605
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.2115%2,652
Loan loss allowance to noncurrent loans803.2520%736
Noncurrent assets plus other real estate owned to assets1.8000%648
Noncurrent loans to loans0.1508%4,225
Net loans and leases to total assets60.6735%3,744
Net loans and leases to deposits66.6769%4,127
Net loans and leases to core deposits68.2888%4,238
Total domestic deposits to total assets90.9962%249
Equity capital to assets8.2235%5,118
Core capital (leverage) ratio8.1092%5,308
Tier 1 risk-based capital ratio12.6620%4,090
Total risk-based capital ratio13.8085%4,047
Memoranda:
Average total assets$134,893,0003,633
Average earning assets$122,161,3303,664
Average equity$10,589,6704,296
Average total loans$78,522,3303,737
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2963%2,532
Cost of funding earning assets0.2866%4,444
Net interest margin4.0097%1,696
Noninterest income to average assets0.7620%1,584
Noninterest expense to average assets3.3542%1,243
Loan and lease loss provision to assets0.0559%2,650
Net operating income to assets0.9739%2,970
Return on assets (ROA)0.9739%2,999
Pretax return on assets0.9739%3,623
Return on Equity (ROE)12.7002%1,352
Retained earnings to average equity (ytd only)12.7002%567
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.5101%1,518
Assets per employee ($millions)3.3278%4,871
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.2160%2,715
Loan loss allowance to noncurrent loans337.1429%1,521
Noncurrent assets plus other real estate owned to assets1.9276%609
Noncurrent loans to loans0.3607%3,477
Net loans and leases to total assets56.2072%4,104
Net loans and leases to deposits61.3499%4,377
Net loans and leases to core deposits62.3287%4,536
Total domestic deposits to total assets91.6174%169
Equity capital to assets7.6687%5,378
Core capital (leverage) ratio7.7853%5,451
Tier 1 risk-based capital ratio12.6030%4,174
Total risk-based capital ratio13.7416%4,151
Memoranda:
Average total assets$135,950,5003,660
Average earning assets$122,803,0003,699
Average equity$10,425,0004,363
Average total loans$77,009,0003,806
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2491%2,501
Cost of funding earning assets0.3050%4,087
Net interest margin3.9441%1,939
Noninterest income to average assets-0.4228%5,659
Noninterest expense to average assets3.3960%1,204
Loan and lease loss provision to assets-0.1510%5,537
Net operating income to assets-0.1631%5,440
Return on assets (ROA)-0.1631%5,441
Pretax return on assets-0.1631%5,489
Return on Equity (ROE)-2.1522%5,465
Retained earnings to average equity (ytd only)-2.1522%5,294
Net charge-offs to loans0.0543%2,720
Credit loss provision to net charge-offs-500.0000%4,946
Earnings coverage of net charge-offs (x)-10.4000%4,087
Efficiency ratio110.1911%105
Assets per employee ($millions)3.1503%5,080
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.2110%2,706
Loan loss allowance to noncurrent loans311.4478%1,622
Noncurrent assets plus other real estate owned to assets2.2737%440
Noncurrent loans to loans0.3888%3,368
Net loans and leases to total assets55.7060%4,219
Net loans and leases to deposits60.8223%4,513
Net loans and leases to core deposits61.9259%4,659
Total domestic deposits to total assets91.5881%126
Equity capital to assets7.6678%5,498
Core capital (leverage) ratio7.8098%5,494
Tier 1 risk-based capital ratio12.8069%4,032
Total risk-based capital ratio14.0676%3,922
Memoranda:
Average total assets$132,450,0003,709
Average earning assets$117,695,6003,794
Average equity$10,036,2004,439
Average total loans$73,605,8003,883
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2521%2,427
Cost of funding earning assets0.3080%4,052
Net interest margin3.9441%1,877
Noninterest income to average assets0.6054%2,449
Noninterest expense to average assets3.3662%1,210
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.7269%3,834
Return on assets (ROA)0.7269%3,905
Pretax return on assets0.7269%4,536
Return on Equity (ROE)9.6227%2,294
Retained earnings to average equity (ytd only)9.6227%672
Net charge-offs to loans0.0640%2,200
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)20.5123%1,949
Efficiency ratio82.2409%895
Assets per employee ($millions)3.0883%5,191
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.5215%1,460
Loan loss allowance to noncurrent loans221.1350%2,061
Noncurrent assets plus other real estate owned to assets3.5064%219
Noncurrent loans to loans0.6881%2,643
Net loans and leases to total assets56.3863%4,200
Net loans and leases to deposits61.8725%4,516
Net loans and leases to core deposits62.9363%4,656
Total domestic deposits to total assets91.1331%156
Equity capital to assets8.1021%5,480
Core capital (leverage) ratio7.7108%5,592
Tier 1 risk-based capital ratio12.6120%4,256
Total risk-based capital ratio13.8641%4,156
Memoranda:
Average total assets$131,696,7503,759
Average earning assets$116,458,2503,852
Average equity$9,948,5004,506
Average total loans$72,910,7503,928
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2200%2,402
Cost of funding earning assets0.3042%4,041
Net interest margin3.9158%1,875
Noninterest income to average assets0.5289%2,836
Noninterest expense to average assets3.4164%1,134
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.5742%4,412
Return on assets (ROA)0.5742%4,469
Pretax return on assets0.5742%4,853
Return on Equity (ROE)7.7856%3,151
Retained earnings to average equity (ytd only)7.7856%1,242
Net charge-offs to loans0.0304%2,599
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)34.5455%1,364
Efficiency ratio85.6115%724
Assets per employee ($millions)3.1804%5,118
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.5653%1,348
Loan loss allowance to noncurrent loans304.4855%1,557
Noncurrent assets plus other real estate owned to assets3.3060%254
Noncurrent loans to loans0.5141%3,214
Net loans and leases to total assets54.3271%4,365
Net loans and leases to deposits59.2658%4,682
Net loans and leases to core deposits60.2474%4,810
Total domestic deposits to total assets91.6669%110
Equity capital to assets7.6077%5,637
Core capital (leverage) ratio7.3344%5,676
Tier 1 risk-based capital ratio12.2600%4,452
Total risk-based capital ratio13.5120%4,336
Memoranda:
Average total assets$132,360,0003,774
Average earning assets$117,013,6703,855
Average equity$9,761,6704,546
Average total loans$72,458,6703,961
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1181%2,584
Cost of funding earning assets0.3033%4,010
Net interest margin3.8149%2,068
Noninterest income to average assets0.5252%2,795
Noninterest expense to average assets3.4732%1,081
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.4129%4,913
Return on assets (ROA)0.4129%4,936
Pretax return on assets0.4129%5,142
Return on Equity (ROE)5.6895%4,046
Retained earnings to average equity (ytd only)5.6895%2,497
Net charge-offs to loans-0.0947%5,435
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.3750%586
Assets per employee ($millions)3.1481%5,224
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.6535%1,242
Loan loss allowance to noncurrent loans332.9577%1,486
Noncurrent assets plus other real estate owned to assets3.3375%267
Noncurrent loans to loans0.4966%3,315
Net loans and leases to total assets51.9347%4,523
Net loans and leases to deposits56.3320%4,796
Net loans and leases to core deposits57.2462%4,914
Total domestic deposits to total assets92.1940%86
Equity capital to assets7.1404%5,739
Core capital (leverage) ratio7.1744%5,751
Tier 1 risk-based capital ratio12.0176%4,704
Total risk-based capital ratio13.2701%4,597
Memoranda:
Average total assets$131,752,0003,817
Average earning assets$116,072,0003,918
Average equity$9,561,5004,610
Average total loans$71,827,0004,008
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2743%2,235
Cost of funding earning assets0.3204%3,844
Net interest margin3.9539%1,777
Noninterest income to average assets0.6745%2,295
Noninterest expense to average assets3.7269%852
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.3894%4,980
Return on assets (ROA)0.4164%4,969
Pretax return on assets0.4164%5,191
Return on Equity (ROE)6.0753%3,943
Retained earnings to average equity (ytd only)6.0753%1,669
Net charge-offs to loans-0.0195%5,122
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.5405%525
Assets per employee ($millions)2.7263%5,546
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.6143%1,337
Loan loss allowance to noncurrent loans266.5904%1,801
Noncurrent assets plus other real estate owned to assets3.6946%223
Noncurrent loans to loans0.6055%3,033
Net loans and leases to total assets55.4131%4,315
Net loans and leases to deposits60.2972%4,651
Net loans and leases to core deposits61.2026%4,794
Total domestic deposits to total assets91.8999%115
Equity capital to assets7.3806%5,740
Core capital (leverage) ratio7.4670%5,760
Tier 1 risk-based capital ratio12.2543%4,532
Total risk-based capital ratio13.5068%4,413
Memoranda:
Average total assets$129,436,4003,840
Average earning assets$112,672,6003,955
Average equity$8,872,0004,782
Average total loans$71,827,4004,000
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2707%2,258
Cost of funding earning assets0.3206%3,862
Net interest margin3.9501%1,816
Noninterest income to average assets0.7141%2,113
Noninterest expense to average assets3.7175%827
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.4274%4,940
Return on assets (ROA)0.4634%4,901
Pretax return on assets0.4634%5,202
Return on Equity (ROE)6.8913%3,615
Retained earnings to average equity (ytd only)6.8913%1,678
Net charge-offs to loans-0.0186%4,980
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.6877%577
Assets per employee ($millions)2.6128%5,668
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.6102%1,439
Loan loss allowance to noncurrent loans318.9560%1,544
Noncurrent assets plus other real estate owned to assets3.7141%247
Noncurrent loans to loans0.5048%3,483
Net loans and leases to total assets56.5678%4,243
Net loans and leases to deposits61.8847%4,633
Net loans and leases to core deposits62.8379%4,785
Total domestic deposits to total assets91.4085%125
Equity capital to assets7.8149%5,791
Core capital (leverage) ratio7.2415%5,858
Tier 1 risk-based capital ratio11.9731%4,808
Total risk-based capital ratio13.2254%4,704
Memoranda:
Average total assets$129,762,0003,857
Average earning assets$112,702,5003,980
Average equity$8,725,7504,850
Average total loans$71,742,2504,025
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1869%2,553
Cost of funding earning assets0.3179%3,921
Net interest margin3.8690%2,088
Noninterest income to average assets0.6996%2,145
Noninterest expense to average assets3.6186%983
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.4390%4,908
Return on assets (ROA)0.4923%4,808
Pretax return on assets0.4923%5,146
Return on Equity (ROE)7.7205%3,130
Retained earnings to average equity (ytd only)7.7205%1,280
Net charge-offs to loans-0.0084%4,647
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.1811%644
Assets per employee ($millions)2.5747%5,749
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.5800%1,586
Loan loss allowance to noncurrent loans472.9508%1,118
Noncurrent assets plus other real estate owned to assets3.4589%313
Noncurrent loans to loans0.3341%4,168
Net loans and leases to total assets53.6901%4,537
Net loans and leases to deposits58.3869%4,880
Net loans and leases to core deposits59.2219%5,011
Total domestic deposits to total assets91.9558%90
Equity capital to assets6.5541%5,987
Core capital (leverage) ratio7.0684%5,943
Tier 1 risk-based capital ratio11.8947%4,898
Total risk-based capital ratio13.1470%4,796
Memoranda:
Average total assets$131,211,3303,856
Average earning assets$113,879,6703,979
Average equity$8,367,3304,954
Average total loans$71,621,3304,053
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2023%2,464
Cost of funding earning assets0.3200%3,947
Net interest margin3.8824%1,987
Noninterest income to average assets0.6653%2,190
Noninterest expense to average assets3.6004%1,018
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.4281%4,910
Return on assets (ROA)0.5359%4,591
Pretax return on assets0.5359%4,994
Return on Equity (ROE)8.5258%2,651
Retained earnings to average equity (ytd only)8.5258%1,254
Net charge-offs to loans-0.0282%5,035
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.3731%713
Assets per employee ($millions)2.7037%5,728
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.6206%1,548
Loan loss allowance to noncurrent loans460.5578%1,111
Noncurrent assets plus other real estate owned to assets3.7017%287
Noncurrent loans to loans0.3519%4,169
Net loans and leases to total assets54.0743%4,444
Net loans and leases to deposits58.7419%4,800
Net loans and leases to core deposits59.4808%4,970
Total domestic deposits to total assets92.0541%105
Equity capital to assets6.3902%6,051
Core capital (leverage) ratio6.9509%6,003
Tier 1 risk-based capital ratio11.8514%5,009
Total risk-based capital ratio13.1040%4,912
Memoranda:
Average total assets$129,874,5003,913
Average earning assets$112,509,0004,033
Average equity$8,163,5005,025
Average total loans$70,913,5004,093
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1535%2,727
Cost of funding earning assets0.3491%3,707
Net interest margin3.8044%2,359
Noninterest income to average assets0.6329%2,548
Noninterest expense to average assets3.6921%988
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.1991%5,578
Return on assets (ROA)0.2580%5,538
Pretax return on assets0.2580%5,603
Return on Equity (ROE)4.1371%4,882
Retained earnings to average equity (ytd only)4.1371%3,056
Net charge-offs to loans0.0258%3,719
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)15.1176%2,228
Efficiency ratio94.8835%442
Assets per employee ($millions)2.4069%5,934
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.6327%1,520
Loan loss allowance to noncurrent loans423.1618%1,215
Noncurrent assets plus other real estate owned to assets4.8526%182
Noncurrent loans to loans0.3858%4,070
Net loans and leases to total assets53.3530%4,555
Net loans and leases to deposits57.8059%4,926
Net loans and leases to core deposits58.5290%5,077
Total domestic deposits to total assets92.2968%83
Equity capital to assets6.1813%6,109
Core capital (leverage) ratio6.8486%6,064
Tier 1 risk-based capital ratio11.0736%5,484
Total risk-based capital ratio12.3265%5,385
Memoranda:
Average total assets$129,085,6003,903
Average earning assets$110,557,0004,059
Average equity$8,049,2005,052
Average total loans$65,987,6004,198
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1218%2,846
Cost of funding earning assets0.3553%3,692
Net interest margin3.7665%2,504
Noninterest income to average assets0.7957%1,818
Noninterest expense to average assets3.6979%979
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.3114%5,422
Return on assets (ROA)0.3901%5,287
Pretax return on assets0.3901%5,479
Return on Equity (ROE)6.2418%4,032
Retained earnings to average equity (ytd only)6.2418%2,095
Net charge-offs to loans0.0288%3,364
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)21.4954%1,823
Efficiency ratio92.2323%557
Assets per employee ($millions)2.6166%5,895
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.6964%1,475
Loan loss allowance to noncurrent loans469.1057%1,084
Noncurrent assets plus other real estate owned to assets5.4175%167
Noncurrent loans to loans0.3616%4,319
Net loans and leases to total assets52.1581%4,741
Net loans and leases to deposits58.4200%4,959
Net loans and leases to core deposits59.1858%5,120
Total domestic deposits to total assets89.2812%882
Equity capital to assets6.4229%6,183
Core capital (leverage) ratio6.9051%6,143
Tier 1 risk-based capital ratio11.2691%5,511
Total risk-based capital ratio12.5214%5,405
Memoranda:
Average total assets$128,864,0003,949
Average earning assets$109,948,2504,117
Average equity$8,053,0005,117
Average total loans$64,860,7504,282
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0740%2,998
Cost of funding earning assets0.3611%3,685
Net interest margin3.7129%2,655
Noninterest income to average assets0.7763%1,893
Noninterest expense to average assets3.6132%1,102
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.3331%5,349
Return on assets (ROA)0.4292%5,144
Pretax return on assets0.4292%5,404
Return on Equity (ROE)6.9316%3,652
Retained earnings to average equity (ytd only)6.9316%1,728
Net charge-offs to loans0.0031%3,796
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)215.0000%328
Efficiency ratio91.5587%661
Assets per employee ($millions)2.6388%5,959
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.7592%1,470
Loan loss allowance to noncurrent loans447.1264%1,128
Noncurrent assets plus other real estate owned to assets5.3851%189
Noncurrent loans to loans0.3935%4,303
Net loans and leases to total assets50.4010%4,898
Net loans and leases to deposits55.2889%5,172
Net loans and leases to core deposits56.2325%5,296
Total domestic deposits to total assets91.1594%264
Equity capital to assets6.1809%6,262
Core capital (leverage) ratio6.8353%6,209
Tier 1 risk-based capital ratio11.1394%5,646
Total risk-based capital ratio12.3926%5,568
Memoranda:
Average total assets$129,080,6703,979
Average earning assets$110,211,3304,149
Average equity$7,992,3305,169
Average total loans$63,805,0004,341
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0650%2,970
Cost of funding earning assets0.3851%3,466
Net interest margin3.6799%2,700
Noninterest income to average assets0.7537%1,891
Noninterest expense to average assets3.6567%1,061
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.2388%5,593
Return on assets (ROA)0.2388%5,683
Pretax return on assets0.2388%5,774
Return on Equity (ROE)3.8536%5,037
Retained earnings to average equity (ytd only)3.8536%3,688
Net charge-offs to loans0.1535%1,339
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)3.2083%2,640
Efficiency ratio93.8694%601
Assets per employee ($millions)2.7392%5,939
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.8456%1,404
Loan loss allowance to noncurrent loans310.2981%1,544
Noncurrent assets plus other real estate owned to assets5.4994%205
Noncurrent loans to loans0.5948%3,795
Net loans and leases to total assets47.3008%5,100
Net loans and leases to deposits51.3003%5,373
Net loans and leases to core deposits52.0354%5,487
Total domestic deposits to total assets92.2038%132
Equity capital to assets6.3126%6,322
Core capital (leverage) ratio6.5942%6,284
Tier 1 risk-based capital ratio11.5588%5,523
Total risk-based capital ratio12.8124%5,435
Memoranda:
Average total assets$128,970,5004,011
Average earning assets$110,111,5004,178
Average equity$7,992,5005,214
Average total loans$62,539,5004,412
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9968%3,741
Cost of funding earning assets0.4788%2,889
Net interest margin3.5180%3,726
Noninterest income to average assets0.7832%1,939
Noninterest expense to average assets3.7011%1,147
Loan and lease loss provision to assets0.0809%2,862
Net operating income to assets0.0285%6,057
Return on assets (ROA)0.0223%6,083
Pretax return on assets0.0223%6,070
Return on Equity (ROE)0.3757%6,059
Retained earnings to average equity (ytd only)0.3757%5,609
Net charge-offs to loans0.6573%585
Credit loss provision to net charge-offs25.7985%3,906
Earnings coverage of net charge-offs (x)0.3489%4,656
Efficiency ratio97.1302%462
Assets per employee ($millions)2.9351%5,780
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.8544%1,412
Loan loss allowance to noncurrent loans170.9064%2,546
Noncurrent assets plus other real estate owned to assets5.7594%210
Noncurrent loans to loans1.0851%2,652
Net loans and leases to total assets47.9066%5,167
Net loans and leases to deposits52.6800%5,432
Net loans and leases to core deposits53.3330%5,541
Total domestic deposits to total assets90.9389%392
Equity capital to assets6.4362%6,383
Core capital (leverage) ratio6.6125%6,356
Tier 1 risk-based capital ratio11.3785%5,728
Total risk-based capital ratio12.6330%5,649
Memoranda:
Average total assets$129,852,2003,977
Average earning assets$111,738,2004,142
Average equity$7,718,4005,265
Average total loans$61,922,2004,429
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9700%3,879
Cost of funding earning assets0.4952%2,813
Net interest margin3.4748%3,924
Noninterest income to average assets0.7793%1,972
Noninterest expense to average assets3.6576%1,202
Loan and lease loss provision to assets0.1077%2,245
Net operating income to assets0.0144%6,130
Return on assets (ROA)0.0062%6,149
Pretax return on assets0.0062%6,140
Return on Equity (ROE)0.1057%6,147
Retained earnings to average equity (ytd only)0.1057%5,769
Net charge-offs to loans0.9366%344
Credit loss provision to net charge-offs24.2494%3,533
Earnings coverage of net charge-offs (x)0.2748%4,414
Efficiency ratio96.7716%476
Assets per employee ($millions)2.6685%6,102
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.7670%1,775
Loan loss allowance to noncurrent loans70.5120%4,473
Noncurrent assets plus other real estate owned to assets5.8595%243
Noncurrent loans to loans2.5059%1,168
Net loans and leases to total assets50.6650%4,928
Net loans and leases to deposits55.8422%5,252
Net loans and leases to core deposits56.6826%5,410
Total domestic deposits to total assets90.7288%445
Equity capital to assets6.4814%6,447
Core capital (leverage) ratio6.5944%6,429
Tier 1 risk-based capital ratio11.1079%5,950
Total risk-based capital ratio12.3611%5,900
Memoranda:
Average total assets$130,029,0004,005
Average earning assets$112,273,7504,165
Average equity$7,570,0005,339
Average total loans$61,643,2504,474
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9798%3,818
Cost of funding earning assets0.5100%2,731
Net interest margin3.4698%3,894
Noninterest income to average assets0.7738%1,943
Noninterest expense to average assets3.5906%1,311
Loan and lease loss provision to assets0.1368%1,809
Net operating income to assets0.0456%6,142
Return on assets (ROA)0.0502%6,159
Pretax return on assets0.0502%6,151
Return on Equity (ROE)0.8939%6,074
Retained earnings to average equity (ytd only)0.8939%5,393
Net charge-offs to loans0.2012%1,821
Credit loss provision to net charge-offs147.5410%1,473
Earnings coverage of net charge-offs (x)1.9672%3,682
Efficiency ratio95.1652%595
Assets per employee ($millions)3.0283%5,720
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.4858%730
Loan loss allowance to noncurrent loans180.0720%2,338
Noncurrent assets plus other real estate owned to assets5.2536%325
Noncurrent loans to loans1.3805%2,498
Net loans and leases to total assets45.1880%5,445
Net loans and leases to deposits49.9711%5,637
Net loans and leases to core deposits50.6961%5,752
Total domestic deposits to total assets90.4282%611
Equity capital to assets6.1567%6,523
Core capital (leverage) ratio6.3507%6,504
Tier 1 risk-based capital ratio11.7158%5,686
Total risk-based capital ratio12.9764%5,624
Memoranda:
Average total assets$131,565,3304,002
Average earning assets$113,725,3304,153
Average equity$7,383,6705,395
Average total loans$60,628,6704,529
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0074%3,652
Cost of funding earning assets0.5105%2,800
Net interest margin3.4968%3,709
Noninterest income to average assets0.9105%1,357
Noninterest expense to average assets3.7266%1,088
Loan and lease loss provision to assets0.1361%1,780
Net operating income to assets0.0726%6,083
Return on assets (ROA)0.0726%6,108
Pretax return on assets0.0726%6,118
Return on Equity (ROE)1.3584%5,959
Retained earnings to average equity (ytd only)1.3584%5,068
Net charge-offs to loans-0.0592%5,882
Credit loss provision to net charge-offs-500.0000%5,177
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.6964%712
Assets per employee ($millions)2.9153%5,960
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.5268%789
Loan loss allowance to noncurrent loans92.6488%3,802
Noncurrent assets plus other real estate owned to assets5.5054%344
Noncurrent loans to loans2.7272%1,234
Net loans and leases to total assets43.8682%5,525
Net loans and leases to deposits48.7197%5,690
Net loans and leases to core deposits49.2013%5,814
Total domestic deposits to total assets90.0421%1,053
Equity capital to assets5.5539%6,601
Core capital (leverage) ratio6.3296%6,552
Tier 1 risk-based capital ratio11.3771%5,974
Total risk-based capital ratio12.6378%5,924
Memoranda:
Average total assets$132,240,0004,028
Average earning assets$114,389,0004,173
Average equity$7,067,0005,498
Average total loans$60,772,0004,560
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1851%3,394
Cost of funding earning assets0.6353%2,336
Net interest margin3.5497%3,684
Noninterest income to average assets0.5722%3,261
Noninterest expense to average assets3.6572%1,357
Loan and lease loss provision to assets0.2954%1,149
Net operating income to assets-0.3234%6,426
Return on assets (ROA)-0.1898%6,366
Pretax return on assets-0.1898%6,341
Return on Equity (ROE)-3.5572%6,448
Retained earnings to average equity (ytd only)-3.5572%6,298
Net charge-offs to loans1.2857%399
Credit loss provision to net charge-offs50.2513%3,806
Earnings coverage of net charge-offs (x)-0.0477%5,101
Efficiency ratio100.7731%456
Assets per employee ($millions)2.8972%5,990
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.4040%926
Loan loss allowance to noncurrent loans76.4553%4,283
Noncurrent assets plus other real estate owned to assets6.0579%317
Noncurrent loans to loans3.1443%1,092
Net loans and leases to total assets45.8052%5,507
Net loans and leases to deposits50.6832%5,717
Net loans and leases to core deposits51.3072%5,852
Total domestic deposits to total assets90.3755%891
Equity capital to assets5.1282%6,680
Core capital (leverage) ratio6.3804%6,612
Tier 1 risk-based capital ratio11.0974%6,120
Total risk-based capital ratio12.3558%6,069
Memoranda:
Average total assets$135,431,4003,970
Average earning assets$116,629,0004,119
Average equity$7,224,8005,510
Average total loans$61,910,6004,551
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1873%3,435
Cost of funding earning assets0.6658%2,213
Net interest margin3.5215%3,790
Noninterest income to average assets0.5345%3,564
Noninterest expense to average assets3.6616%1,306
Loan and lease loss provision to assets0.2390%1,508
Net operating income to assets-0.3326%6,541
Return on assets (ROA)-0.1561%6,465
Pretax return on assets-0.1561%6,447
Return on Equity (ROE)-2.8987%6,515
Retained earnings to average equity (ytd only)-2.8987%6,344
Net charge-offs to loans0.0129%4,879
Credit loss provision to net charge-offs4,083.3333%81
Earnings coverage of net charge-offs (x)-16.0000%5,179
Efficiency ratio102.6244%387
Assets per employee ($millions)2.8676%6,054
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans3.4653%347
Loan loss allowance to noncurrent loans110.3774%3,228
Noncurrent assets plus other real estate owned to assets6.1353%384
Noncurrent loans to loans3.1395%1,259
Net loans and leases to total assets45.4650%5,595
Net loans and leases to deposits50.4571%5,803
Net loans and leases to core deposits51.0858%5,941
Total domestic deposits to total assets90.1062%934
Equity capital to assets4.9179%6,773
Core capital (leverage) ratio6.3329%6,687
Tier 1 risk-based capital ratio11.3793%6,107
Total risk-based capital ratio12.6494%6,070
Memoranda:
Average total assets$136,695,2503,981
Average earning assets$117,750,7504,132
Average equity$7,359,5005,548
Average total loans$62,090,7504,577
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1257%3,639
Cost of funding earning assets0.6834%2,196
Net interest margin3.4422%4,033
Noninterest income to average assets0.4280%4,319
Noninterest expense to average assets3.5606%1,480
Loan and lease loss provision to assets0.3519%942
Net operating income to assets-0.5185%6,641
Return on assets (ROA)-0.2585%6,556
Pretax return on assets-0.2585%6,531
Return on Equity (ROE)-4.6769%6,631
Retained earnings to average equity (ytd only)-4.6769%6,435
Net charge-offs to loans-0.0192%5,955
Credit loss provision to net charge-offs-4,083.3333%6,214
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio104.9090%369
Assets per employee ($millions)3.0417%5,782
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans3.4953%374
Loan loss allowance to noncurrent loans104.1298%3,363
Noncurrent assets plus other real estate owned to assets5.8234%480
Noncurrent loans to loans3.3567%1,290
Net loans and leases to total assets42.7227%5,849
Net loans and leases to deposits48.1506%5,974
Net loans and leases to core deposits48.6883%6,093
Total domestic deposits to total assets88.7272%1,767
Equity capital to assets4.7517%6,838
Core capital (leverage) ratio6.0830%6,744
Tier 1 risk-based capital ratio11.3883%6,162
Total risk-based capital ratio12.6584%6,118
Memoranda:
Average total assets$139,247,0003,966
Average earning assets$119,980,0004,123
Average equity$7,697,3305,515
Average total loans$62,529,6704,584
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2285%3,190
Cost of funding earning assets0.6987%2,219
Net interest margin3.5298%3,575
Noninterest income to average assets0.5127%3,692
Noninterest expense to average assets3.6658%1,303
Loan and lease loss provision to assets0.5127%521
Net operating income to assets-0.6295%6,721
Return on assets (ROA)-0.6295%6,737
Pretax return on assets-0.6295%6,711
Return on Equity (ROE)-10.6583%6,817
Retained earnings to average equity (ytd only)-10.6583%6,640
Net charge-offs to loans-0.0126%5,523
Credit loss provision to net charge-offs-9,000.0000%5,929
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio103.2905%449
Assets per employee ($millions)3.0684%5,876
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans3.2957%496
Loan loss allowance to noncurrent loans101.7884%3,308
Noncurrent assets plus other real estate owned to assets6.1419%515
Noncurrent loans to loans3.2378%1,508
Net loans and leases to total assets42.5959%5,799
Net loans and leases to deposits48.3665%5,897
Net loans and leases to core deposits48.8936%6,043
Total domestic deposits to total assets88.0690%2,265
Equity capital to assets5.6849%6,848
Core capital (leverage) ratio5.8222%6,821
Tier 1 risk-based capital ratio10.7750%6,497
Total risk-based capital ratio12.0423%6,460
Memoranda:
Average total assets$140,431,5003,977
Average earning assets$120,798,5004,136
Average equity$8,294,0005,413
Average total loans$63,496,5004,582
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6748%2,687
Cost of funding earning assets0.9328%1,746
Net interest margin3.7420%3,474
Noninterest income to average assets0.3446%5,002
Noninterest expense to average assets3.7993%1,256
Loan and lease loss provision to assets-0.4863%7,041
Net operating income to assets0.2167%5,743
Return on assets (ROA)0.7600%3,706
Pretax return on assets0.7600%4,448
Return on Equity (ROE)12.9879%1,224
Retained earnings to average equity (ytd only)12.9879%253
Net charge-offs to loans-0.6337%7,016
Credit loss provision to net charge-offs152.1739%1,786
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio107.6363%380
Assets per employee ($millions)2.9108%6,144
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.8802%748
Loan loss allowance to noncurrent loans99.8396%3,331
Noncurrent assets plus other real estate owned to assets6.8853%453
Noncurrent loans to loans2.8848%1,813
Net loans and leases to total assets45.0586%5,719
Net loans and leases to deposits51.4569%5,853
Net loans and leases to core deposits51.9122%6,020
Total domestic deposits to total assets87.5657%2,500
Equity capital to assets6.1295%6,881
Core capital (leverage) ratio6.2173%6,829
Tier 1 risk-based capital ratio10.8725%6,400
Total risk-based capital ratio12.1365%6,365
Memoranda:
Average total assets$143,946,4003,881
Average earning assets$122,528,4004,056
Average equity$8,423,2005,384
Average total loans$72,590,0004,250
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7415%2,616
Cost of funding earning assets0.9892%1,629
Net interest margin3.7523%3,536
Noninterest income to average assets0.4175%4,499
Noninterest expense to average assets3.7580%1,278
Loan and lease loss provision to assets-1.1043%7,170
Net operating income to assets0.9554%2,722
Return on assets (ROA)1.6744%810
Pretax return on assets1.6744%1,348
Return on Equity (ROE)28.9454%85
Retained earnings to average equity (ytd only)28.9454%34
Net charge-offs to loans-1.7155%7,131
Credit loss provision to net charge-offs125.2346%2,301
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio104.1274%418
Assets per employee ($millions)2.9186%6,184
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.7313%952
Loan loss allowance to noncurrent loans64.8921%4,436
Noncurrent assets plus other real estate owned to assets7.8733%401
Noncurrent loans to loans4.2090%1,178
Net loans and leases to total assets47.4099%5,622
Net loans and leases to deposits55.1251%5,710
Net loans and leases to core deposits55.6153%5,924
Total domestic deposits to total assets86.0043%3,258
Equity capital to assets6.4828%6,942
Core capital (leverage) ratio6.5714%6,873
Tier 1 risk-based capital ratio11.4233%6,273
Total risk-based capital ratio12.6861%6,234
Memoranda:
Average total assets$145,003,5003,900
Average earning assets$123,333,0004,073
Average equity$8,388,0005,444
Average total loans$74,532,0004,241
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7392%2,761
Cost of funding earning assets1.0087%1,720
Net interest margin3.7305%3,682
Noninterest income to average assets0.5251%3,751
Noninterest expense to average assets3.6825%1,409
Loan and lease loss provision to assets-1.7771%7,238
Net operating income to assets1.7976%566
Return on assets (ROA)2.6923%146
Pretax return on assets2.6923%225
Return on Equity (ROE)48.4021%21
Retained earnings to average equity (ytd only)48.4021%13
Net charge-offs to loans-2.6731%7,194
Credit loss provision to net charge-offs127.2461%2,162
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio99.4475%583
Assets per employee ($millions)2.9041%6,223
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.5967%1,158
Loan loss allowance to noncurrent loans61.3629%4,580
Noncurrent assets plus other real estate owned to assets8.6277%368
Noncurrent loans to loans4.2318%1,279
Net loans and leases to total assets47.2212%5,692
Net loans and leases to deposits54.3893%5,827
Net loans and leases to core deposits55.1602%6,011
Total domestic deposits to total assets86.8208%2,881
Equity capital to assets5.9571%7,031
Core capital (leverage) ratio6.4520%6,941
Tier 1 risk-based capital ratio11.0353%6,480
Total risk-based capital ratio12.2959%6,443
Memoranda:
Average total assets$146,640,3303,890
Average earning assets$124,916,3304,052
Average equity$8,156,6705,524
Average total loans$76,615,0004,199
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8043%2,621
Cost of funding earning assets1.0302%1,808
Net interest margin3.7741%3,498
Noninterest income to average assets0.4642%4,191
Noninterest expense to average assets3.6401%1,479
Loan and lease loss provision to assets-4.2156%7,307
Net operating income to assets4.2617%56
Return on assets (ROA)5.5484%44
Pretax return on assets5.5484%54
Return on Equity (ROE)103.3628%8
Retained earnings to average equity (ytd only)103.3628%6
Net charge-offs to loans-7.4657%7,262
Credit loss provision to net charge-offs104.3683%2,212
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.7482%601
Assets per employee ($millions)2.9835%6,186
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.6857%1,129
Loan loss allowance to noncurrent loans61.6174%4,442
Noncurrent assets plus other real estate owned to assets8.3968%444
Noncurrent loans to loans4.3586%1,364
Net loans and leases to total assets49.6001%5,366
Net loans and leases to deposits57.0109%5,483
Net loans and leases to core deposits58.0490%5,711
Total domestic deposits to total assets87.0012%2,957
Equity capital to assets5.9990%7,076
Core capital (leverage) ratio6.5146%6,967
Tier 1 risk-based capital ratio11.4783%6,296
Total risk-based capital ratio12.7428%6,267
Memoranda:
Average total assets$147,357,5003,919
Average earning assets$125,804,0004,066
Average equity$7,910,0005,625
Average total loans$79,724,5004,131
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1713%2,178
Cost of funding earning assets1.4152%970
Net interest margin3.7560%4,047
Noninterest income to average assets0.1431%6,434
Noninterest expense to average assets3.1509%3,025
Loan and lease loss provision to assets1.4154%546
Net operating income to assets-1.1731%6,809
Return on assets (ROA)-1.1888%6,842
Pretax return on assets-1.1888%6,809
Return on Equity (ROE)-26.4533%7,062
Retained earnings to average equity (ytd only)-26.4533%7,052
Net charge-offs to loans2.8291%370
Credit loss provision to net charge-offs83.5185%4,301
Earnings coverage of net charge-offs (x)0.1430%5,728
Efficiency ratio92.8598%992
Assets per employee ($millions)2.7988%6,461
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.5259%1,282
Loan loss allowance to noncurrent loans44.6398%5,331
Noncurrent assets plus other real estate owned to assets8.7055%424
Noncurrent loans to loans5.6584%923
Net loans and leases to total assets55.8671%4,730
Net loans and leases to deposits63.4671%5,068
Net loans and leases to core deposits64.5591%5,408
Total domestic deposits to total assets88.0253%2,137
Equity capital to assets4.7210%7,182
Core capital (leverage) ratio5.1442%7,130
Tier 1 risk-based capital ratio8.3106%7,091
Total risk-based capital ratio9.5738%7,091
Memoranda:
Average total assets$159,320,4003,640
Average earning assets$137,858,2003,789
Average equity$7,159,8005,820
Average total loans$95,435,8003,735
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2133%2,157
Cost of funding earning assets1.5146%817
Net interest margin3.6987%4,341
Noninterest income to average assets0.3621%4,973
Noninterest expense to average assets3.0899%3,197
Loan and lease loss provision to assets1.5195%450
Net operating income to assets-1.0387%6,901
Return on assets (ROA)-1.0592%6,937
Pretax return on assets-1.0592%6,894
Return on Equity (ROE)-23.8379%7,153
Retained earnings to average equity (ytd only)-23.8379%7,142
Net charge-offs to loans3.1639%284
Credit loss provision to net charge-offs79.4092%4,155
Earnings coverage of net charge-offs (x)0.2513%5,408
Efficiency ratio86.5336%1,481
Assets per employee ($millions)2.8300%6,437
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.2997%1,690
Loan loss allowance to noncurrent loans39.2309%5,661
Noncurrent assets plus other real estate owned to assets8.5688%483
Noncurrent loans to loans5.8620%968
Net loans and leases to total assets59.7876%4,168
Net loans and leases to deposits68.0669%4,591
Net loans and leases to core deposits69.1372%5,047
Total domestic deposits to total assets87.8365%2,144
Equity capital to assets5.1264%7,254
Core capital (leverage) ratio5.2997%7,205
Tier 1 risk-based capital ratio8.4786%7,155
Total risk-based capital ratio9.7395%7,161
Memoranda:
Average total assets$162,765,5003,624
Average earning assets$141,199,0003,742
Average equity$7,232,0005,836
Average total loans$98,440,7503,684
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1916%2,292
Cost of funding earning assets1.5776%765
Net interest margin3.6140%4,664
Noninterest income to average assets0.3584%5,021
Noninterest expense to average assets2.9113%3,979
Loan and lease loss provision to assets1.6253%424
Net operating income to assets-1.0359%6,950
Return on assets (ROA)-1.0383%6,962
Pretax return on assets-1.0383%6,907
Return on Equity (ROE)-24.4669%7,191
Retained earnings to average equity (ytd only)-24.4669%7,181
Net charge-offs to loans3.1135%321
Credit loss provision to net charge-offs86.6117%3,569
Earnings coverage of net charge-offs (x)0.3141%5,077
Efficiency ratio83.1633%1,933
Assets per employee ($millions)3.0591%5,955
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.4528%1,521
Loan loss allowance to noncurrent loans64.4904%4,205
Noncurrent assets plus other real estate owned to assets6.9154%744
Noncurrent loans to loans3.8034%1,838
Net loans and leases to total assets57.4231%4,740
Net loans and leases to deposits64.8053%5,177
Net loans and leases to core deposits68.4347%5,247
Total domestic deposits to total assets88.6085%1,779
Equity capital to assets3.9135%7,394
Core capital (leverage) ratio4.4369%7,341
Tier 1 risk-based capital ratio6.8464%7,321
Total risk-based capital ratio8.1037%7,326
Memoranda:
Average total assets$167,967,0003,571
Average earning assets$146,042,3303,691
Average equity$7,128,0005,885
Average total loans$101,236,0003,659
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2305%2,109
Cost of funding earning assets1.6530%672
Net interest margin3.5775%4,671
Noninterest income to average assets0.2528%5,874
Noninterest expense to average assets2.7855%4,506
Loan and lease loss provision to assets0.5969%1,444
Net operating income to assets-0.0140%6,371
Return on assets (ROA)-0.0164%6,397
Pretax return on assets-0.0164%6,374
Return on Equity (ROE)-0.3724%6,419
Retained earnings to average equity (ytd only)-0.3724%5,860
Net charge-offs to loans0.6453%1,915
Credit loss provision to net charge-offs151.7857%1,887
Earnings coverage of net charge-offs (x)1.4821%3,599
Efficiency ratio82.6963%2,124
Assets per employee ($millions)3.2313%5,637
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.6075%1,305
Loan loss allowance to noncurrent loans62.2112%4,298
Noncurrent assets plus other real estate owned to assets7.0226%760
Noncurrent loans to loans4.1914%1,708
Net loans and leases to total assets58.6610%4,520
Net loans and leases to deposits66.3431%4,923
Net loans and leases to core deposits70.3761%4,994
Total domestic deposits to total assets88.4205%2,131
Equity capital to assets4.4647%7,412
Core capital (leverage) ratio4.7901%7,376
Tier 1 risk-based capital ratio7.3593%7,338
Total risk-based capital ratio8.6228%7,339
Memoranda:
Average total assets$170,885,5003,544
Average earning assets$148,819,0003,665
Average equity$7,519,5005,768
Average total loans$104,133,5003,622
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8031%1,271
Cost of funding earning assets1.9829%643
Net interest margin3.8202%3,867
Noninterest income to average assets-0.2634%7,496
Noninterest expense to average assets2.8051%4,587
Loan and lease loss provision to assets3.2160%270
Net operating income to assets-2.9365%7,285
Return on assets (ROA)-3.0458%7,322
Pretax return on assets-3.0458%7,303
Return on Equity (ROE)-45.8545%7,393
Retained earnings to average equity (ytd only)-45.8545%7,388
Net charge-offs to loans4.5334%240
Credit loss provision to net charge-offs107.3676%4,139
Earnings coverage of net charge-offs (x)0.0933%6,025
Efficiency ratio90.9401%1,246
Assets per employee ($millions)3.1589%5,757
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.3837%1,570
Loan loss allowance to noncurrent loans65.4863%4,120
Noncurrent assets plus other real estate owned to assets6.2121%931
Noncurrent loans to loans3.6400%2,049
Net loans and leases to total assets60.1516%4,654
Net loans and leases to deposits67.8522%5,119
Net loans and leases to core deposits72.6037%5,150
Total domestic deposits to total assets88.6509%1,857
Equity capital to assets4.3381%7,490
Core capital (leverage) ratio4.6065%7,451
Tier 1 risk-based capital ratio6.5679%7,455
Total risk-based capital ratio7.8277%7,458
Memoranda:
Average total assets$180,349,2003,367
Average earning assets$158,053,4003,484
Average equity$11,979,2004,614
Average total loans$119,159,6003,324
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9157%1,100
Cost of funding earning assets2.0072%737
Net interest margin3.9085%3,496
Noninterest income to average assets0.5487%3,800
Noninterest expense to average assets2.6402%5,151
Loan and lease loss provision to assets1.3882%970
Net operating income to assets-0.0491%6,097
Return on assets (ROA)-0.3304%6,507
Pretax return on assets-0.3304%6,433
Return on Equity (ROE)-4.5938%6,621
Retained earnings to average equity (ytd only)-4.5938%6,526
Net charge-offs to loans1.5015%1,337
Credit loss provision to net charge-offs137.7180%2,899
Earnings coverage of net charge-offs (x)1.3285%4,749
Efficiency ratio66.3476%4,784
Assets per employee ($millions)3.0875%5,944
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.2966%1,632
Loan loss allowance to noncurrent loans35.8888%5,940
Noncurrent assets plus other real estate owned to assets6.8021%816
Noncurrent loans to loans6.3992%935
Net loans and leases to total assets62.4256%4,441
Net loans and leases to deposits72.3432%4,786
Net loans and leases to core deposits77.6405%4,845
Total domestic deposits to total assets86.2909%2,925
Equity capital to assets7.2308%7,253
Core capital (leverage) ratio7.2420%7,036
Tier 1 risk-based capital ratio9.8246%7,149
Total risk-based capital ratio11.0836%7,134
Memoranda:
Average total assets$182,001,2503,395
Average earning assets$159,751,5003,500
Average equity$13,089,7504,419
Average total loans$122,184,5003,324
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0805%788
Cost of funding earning assets2.0144%877
Net interest margin4.0661%2,715
Noninterest income to average assets0.5056%4,070
Noninterest expense to average assets2.5535%5,515
Loan and lease loss provision to assets1.5059%881
Net operating income to assets0.0319%6,037
Return on assets (ROA)0.0319%6,128
Pretax return on assets0.0319%6,100
Return on Equity (ROE)0.4440%6,101
Retained earnings to average equity (ytd only)0.4440%5,585
Net charge-offs to loans1.2811%1,489
Credit loss provision to net charge-offs172.3270%2,263
Earnings coverage of net charge-offs (x)1.7597%4,200
Efficiency ratio62.4127%5,624
Assets per employee ($millions)3.0940%5,931
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.1888%1,782
Loan loss allowance to noncurrent loans42.7609%5,468
Noncurrent assets plus other real estate owned to assets4.8761%1,331
Noncurrent loans to loans5.1186%1,341
Net loans and leases to total assets66.8076%3,666
Net loans and leases to deposits78.0456%3,958
Net loans and leases to core deposits85.0316%3,991
Total domestic deposits to total assets85.6008%3,315
Equity capital to assets7.3029%7,223
Core capital (leverage) ratio7.4640%6,854
Tier 1 risk-based capital ratio10.3837%6,776
Total risk-based capital ratio11.6436%6,757
Memoranda:
Average total assets$181,947,0003,416
Average earning assets$160,447,0003,506
Average equity$13,062,3304,422
Average total loans$124,116,0003,317
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0068%973
Cost of funding earning assets2.0424%964
Net interest margin3.9645%3,029
Noninterest income to average assets0.6430%2,971
Noninterest expense to average assets2.5214%5,651
Loan and lease loss provision to assets1.0570%1,169
Net operating income to assets0.5483%4,144
Return on assets (ROA)0.5483%4,277
Pretax return on assets0.5483%4,791
Return on Equity (ROE)7.7042%3,023
Retained earnings to average equity (ytd only)7.7042%1,839
Net charge-offs to loans0.7462%2,017
Credit loss provision to net charge-offs207.7922%1,792
Earnings coverage of net charge-offs (x)3.1558%3,001
Efficiency ratio61.0993%5,983
Assets per employee ($millions)3.1248%5,936
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.9175%2,393
Loan loss allowance to noncurrent loans49.7619%5,008
Noncurrent assets plus other real estate owned to assets4.8935%1,329
Noncurrent loans to loans3.8533%2,058
Net loans and leases to total assets66.6701%3,710
Net loans and leases to deposits77.7788%4,088
Net loans and leases to core deposits86.1029%3,876
Total domestic deposits to total assets85.7175%3,300
Equity capital to assets7.0127%7,363
Core capital (leverage) ratio7.3918%6,942
Tier 1 risk-based capital ratio10.2093%6,878
Total risk-based capital ratio11.4733%6,861
Memoranda:
Average total assets$181,648,0003,473
Average earning assets$159,618,0003,572
Average equity$12,928,0004,493
Average total loans$123,832,5003,385
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5253%639
Cost of funding earning assets2.4257%1,226
Net interest margin4.0996%2,450
Noninterest income to average assets0.3735%5,419
Noninterest expense to average assets2.7924%5,005
Loan and lease loss provision to assets0.7392%2,895
Net operating income to assets0.4452%3,949
Return on assets (ROA)0.0378%5,422
Pretax return on assets0.0378%5,351
Return on Equity (ROE)0.5052%5,388
Retained earnings to average equity (ytd only)-12.8676%6,746
Net charge-offs to loans1.0148%2,383
Credit loss provision to net charge-offs107.6052%5,148
Earnings coverage of net charge-offs (x)1.7241%4,443
Efficiency ratio70.2166%4,578
Assets per employee ($millions)2.9333%6,379
Cash dividends to net income (ytd only)*2,647.0588%10
Condition Ratios (%)
Loss allowance to loans1.7598%2,675
Loan loss allowance to noncurrent loans59.0348%4,450
Noncurrent assets plus other real estate owned to assets4.0385%1,634
Noncurrent loans to loans2.9809%2,578
Net loans and leases to total assets67.1726%3,882
Net loans and leases to deposits78.6530%4,244
Net loans and leases to core deposits107.8594%3,117
Total domestic deposits to total assets85.4038%3,358
Equity capital to assets7.2246%7,245
Core capital (leverage) ratio7.4632%6,823
Tier 1 risk-based capital ratio10.2630%6,624
Total risk-based capital ratio11.5225%6,588
Memoranda:
Average total assets$179,915,8003,440
Average earning assets$158,138,6003,553
Average equity$13,460,2004,393
Average total loans$121,800,6003,447
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5631%656
Cost of funding earning assets2.5058%1,277
Net interest margin4.0573%2,561
Noninterest income to average assets0.5062%4,436
Noninterest expense to average assets2.8699%4,569
Loan and lease loss provision to assets0.4662%3,572
Net operating income to assets0.7408%3,058
Return on assets (ROA)0.7408%3,119
Pretax return on assets0.7408%3,727
Return on Equity (ROE)9.8181%1,992
Retained earnings to average equity (ytd only)-3.4231%6,013
Net charge-offs to loans0.7814%2,412
Credit loss provision to net charge-offs88.3590%5,527
Earnings coverage of net charge-offs (x)2.2875%4,109
Efficiency ratio70.3939%4,511
Assets per employee ($millions)2.8235%6,599
Cash dividends to net income (ytd only)*134.8658%334
Condition Ratios (%)
Loss allowance to loans1.6004%2,985
Loan loss allowance to noncurrent loans45.8256%5,258
Noncurrent assets plus other real estate owned to assets4.6239%1,303
Noncurrent loans to loans3.4925%2,141
Net loans and leases to total assets70.5373%3,379
Net loans and leases to deposits83.8544%3,674
Net loans and leases to core deposits115.9366%2,628
Total domestic deposits to total assets84.1188%3,667
Equity capital to assets7.5531%7,259
Core capital (leverage) ratio8.2387%5,947
Tier 1 risk-based capital ratio11.3392%5,603
Total risk-based capital ratio12.5930%5,536
Memoranda:
Average total assets$180,162,2503,465
Average earning assets$158,558,7503,568
Average equity$13,593,5004,393
Average total loans$121,664,5003,481
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4119%982
Cost of funding earning assets2.5421%1,472
Net interest margin3.8698%3,251
Noninterest income to average assets0.6619%3,251
Noninterest expense to average assets2.8008%4,957
Loan and lease loss provision to assets0.2462%4,613
Net operating income to assets1.0208%2,033
Return on assets (ROA)1.0208%2,122
Pretax return on assets1.0208%2,926
Return on Equity (ROE)13.5332%1,062
Retained earnings to average equity (ytd only)0.4787%5,019
Net charge-offs to loans0.7269%2,235
Credit loss provision to net charge-offs51.1364%5,749
Earnings coverage of net charge-offs (x)2.6318%3,758
Efficiency ratio68.8542%5,003
Assets per employee ($millions)2.9307%6,313
Cash dividends to net income (ytd only)*96.4630%766
Condition Ratios (%)
Loss allowance to loans1.5088%3,137
Loan loss allowance to noncurrent loans47.5380%5,189
Noncurrent assets plus other real estate owned to assets5.0187%1,053
Noncurrent loans to loans3.1739%2,250
Net loans and leases to total assets67.3331%4,288
Net loans and leases to deposits79.4037%4,640
Net loans and leases to core deposits113.5596%2,967
Total domestic deposits to total assets84.7984%3,355
Equity capital to assets7.3038%7,410
Core capital (leverage) ratio8.2050%5,972
Tier 1 risk-based capital ratio11.6968%5,199
Total risk-based capital ratio12.9497%5,129
Memoranda:
Average total assets$182,804,6703,445
Average earning assets$160,888,3303,545
Average equity$13,788,3304,357
Average total loans$121,064,0003,516
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3377%1,195
Cost of funding earning assets2.5949%1,584
Net interest margin3.7428%3,689
Noninterest income to average assets0.6861%2,968
Noninterest expense to average assets2.6469%5,230
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.3418%1,282
Return on assets (ROA)1.3418%1,375
Pretax return on assets1.3418%2,143
Return on Equity (ROE)17.5215%634
Retained earnings to average equity (ytd only)4.8043%3,234
Net charge-offs to loans0.5710%2,038
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)3.6047%3,123
Efficiency ratio66.3592%5,256
Assets per employee ($millions)3.0857%5,927
Cash dividends to net income (ytd only)*72.5806%1,220
Condition Ratios (%)
Loss allowance to loans1.5808%2,595
Loan loss allowance to noncurrent loans74.3499%3,902
Noncurrent assets plus other real estate owned to assets4.2438%1,174
Noncurrent loans to loans2.1262%3,082
Net loans and leases to total assets63.4560%5,083
Net loans and leases to deposits74.3705%5,438
Net loans and leases to core deposits110.1699%3,409
Total domestic deposits to total assets85.3242%3,046
Equity capital to assets7.7265%7,152
Core capital (leverage) ratio8.2137%6,072
Tier 1 risk-based capital ratio11.3845%5,520
Total risk-based capital ratio12.6370%5,417
Memoranda:
Average total assets$184,821,5003,434
Average earning assets$163,087,0003,526
Average equity$14,154,0004,302
Average total loans$120,488,0003,546
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.5993%340
Cost of funding earning assets3.0604%1,639
Net interest margin4.5389%1,336
Noninterest income to average assets0.6507%3,472
Noninterest expense to average assets2.5230%5,921
Loan and lease loss provision to assets0.7199%2,054
Net operating income to assets1.5146%989
Return on assets (ROA)1.5321%927
Pretax return on assets1.5321%1,589
Return on Equity (ROE)18.5259%488
Retained earnings to average equity (ytd only)2.7621%3,463
Net charge-offs to loans0.8073%1,546
Credit loss provision to net charge-offs129.4597%4,114
Earnings coverage of net charge-offs (x)4.0183%4,143
Efficiency ratio53.0323%7,378
Assets per employee ($millions)3.2947%5,224
Cash dividends to net income (ytd only)*85.0906%1,488
Condition Ratios (%)
Loss allowance to loans1.6932%1,931
Loan loss allowance to noncurrent loans86.8776%3,881
Noncurrent assets plus other real estate owned to assets3.2764%1,379
Noncurrent loans to loans1.9489%2,831
Net loans and leases to total assets64.7944%5,105
Net loans and leases to deposits76.1300%5,579
Net loans and leases to core deposits114.1489%3,325
Total domestic deposits to total assets85.1102%2,793
Equity capital to assets7.5896%7,310
Core capital (leverage) ratio8.1184%6,300
Tier 1 risk-based capital ratio11.3188%5,420
Total risk-based capital ratio12.5730%5,316
Memoranda:
Average total assets$176,419,2003,454
Average earning assets$159,619,8003,478
Average equity$14,590,4004,223
Average total loans$121,519,0003,431