Home Savings and Loan Association of Carroll County, F.A., Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4973%2,671
Cost of funding earning assets0.7887%217
Net interest margin2.7086%3,855
Noninterest income to average assets0.2215%4,044
Noninterest expense to average assets2.8248%1,302
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets-0.1327%4,713
Return on assets (ROA)-0.1327%4,717
Pretax return on assets-0.0939%4,710
Return on Equity (ROE)-0.7227%4,716
Retained earnings to average equity (ytd only)-0.7227%4,570
Net charge-offs to loans0.0215%1,838
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)-7.0769%2,679
Efficiency ratio103.4380%124
Assets per employee ($millions)8.4788%1,093
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.4639%1,681
Loan loss allowance to noncurrent loans127.6090%3,150
Noncurrent assets plus other real estate owned to assets0.6868%931
Noncurrent loans to loans1.1472%841
Net loans and leases to total assets58.9899%2,273
Net loans and leases to deposits70.2732%2,106
Net loans and leases to core deposits76.1834%1,906
Total domestic deposits to total assets83.9436%3,580
Equity capital to assets15.9611%385
Core capital (leverage) ratio16.0164%363
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio31.9829%200
Memoranda:
Average total assets$97,989,2004,012
Average earning assets$90,784,6004,008
Average equity$17,987,2003,387
Average total loans$60,477,2003,805
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6573%2,389
Cost of funding earning assets0.8141%229
Net interest margin2.8432%3,674
Noninterest income to average assets0.2472%3,915
Noninterest expense to average assets2.6208%1,784
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.1924%4,632
Return on assets (ROA)0.1924%4,654
Pretax return on assets0.2458%4,634
Return on Equity (ROE)1.0100%4,692
Retained earnings to average equity (ytd only)1.0100%4,412
Net charge-offs to loans0.0158%1,763
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)25.0000%1,629
Efficiency ratio91.4258%289
Assets per employee ($millions)8.4657%1,067
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.5672%1,423
Loan loss allowance to noncurrent loans134.2541%3,060
Noncurrent assets plus other real estate owned to assets0.6842%1,095
Noncurrent loans to loans1.1673%954
Net loans and leases to total assets55.4719%2,793
Net loans and leases to deposits66.6081%2,577
Net loans and leases to core deposits72.4763%2,384
Total domestic deposits to total assets83.2809%3,640
Equity capital to assets16.4256%375
Core capital (leverage) ratio17.8824%268
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio33.7680%185
Memoranda:
Average total assets$94,930,5004,096
Average earning assets$87,457,0004,099
Average equity$18,085,7503,420
Average total loans$59,099,7503,885
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0006%1,560
Cost of funding earning assets0.8545%224
Net interest margin3.1461%2,901
Noninterest income to average assets0.3337%3,427
Noninterest expense to average assets2.6811%1,638
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.4761%4,267
Return on assets (ROA)0.4761%4,308
Pretax return on assets0.5607%4,296
Return on Equity (ROE)2.3661%4,559
Retained earnings to average equity (ytd only)2.3661%4,028
Net charge-offs to loans0.0241%1,466
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)36.0000%1,218
Efficiency ratio82.7042%627
Assets per employee ($millions)7.6032%1,419
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.6330%1,205
Loan loss allowance to noncurrent loans169.9301%2,688
Noncurrent assets plus other real estate owned to assets0.6587%1,268
Noncurrent loans to loans0.9610%1,286
Net loans and leases to total assets64.1750%1,929
Net loans and leases to deposits80.4065%1,393
Net loans and leases to core deposits88.5421%1,234
Total domestic deposits to total assets79.8132%4,255
Equity capital to assets19.9117%196
Core capital (leverage) ratio20.1298%174
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio38.1940%146
Memoranda:
Average total assets$89,889,3334,175
Average earning assets$83,086,6674,169
Average equity$18,088,6673,418
Average total loans$58,126,0003,927
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3256%1,007
Cost of funding earning assets0.8768%252
Net interest margin3.4489%1,963
Noninterest income to average assets0.5425%2,430
Noninterest expense to average assets2.6498%1,742
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.9146%3,090
Return on assets (ROA)0.9146%3,164
Pretax return on assets1.0850%3,146
Return on Equity (ROE)4.5209%4,183
Retained earnings to average equity (ytd only)4.5209%3,360
Net charge-offs to loans0.0348%1,127
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)48.4000%915
Efficiency ratio70.9484%1,605
Assets per employee ($millions)7.5342%1,434
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.6865%1,077
Loan loss allowance to noncurrent loans174.5520%2,574
Noncurrent assets plus other real estate owned to assets0.6172%1,539
Noncurrent loans to loans0.9662%1,400
Net loans and leases to total assets62.8028%2,194
Net loans and leases to deposits78.7441%1,640
Net loans and leases to core deposits84.5242%1,632
Total domestic deposits to total assets79.7556%4,233
Equity capital to assets20.0564%185
Core capital (leverage) ratio20.2339%180
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio37.8918%153
Memoranda:
Average total assets$89,215,0004,196
Average earning assets$82,577,5004,186
Average equity$18,049,5003,416
Average total loans$57,427,0003,954
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7559%3,428
Cost of funding earning assets1.0117%569
Net interest margin2.7442%4,328
Noninterest income to average assets0.2173%4,193
Noninterest expense to average assets2.5317%2,748
Loan and lease loss provision to assets0.0345%3,971
Net operating income to assets0.1590%4,617
Return on assets (ROA)0.2035%4,628
Pretax return on assets0.2897%4,555
Return on Equity (ROE)0.9888%4,680
Retained earnings to average equity (ytd only)0.9888%4,235
Net charge-offs to loans0.1220%1,278
Credit loss provision to net charge-offs42.8571%3,176
Earnings coverage of net charge-offs (x)3.3286%3,095
Efficiency ratio90.4312%364
Assets per employee ($millions)7.3350%1,376
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.7145%1,008
Loan loss allowance to noncurrent loans142.9197%2,865
Noncurrent assets plus other real estate owned to assets0.7782%1,312
Noncurrent loans to loans1.1996%1,170
Net loans and leases to total assets63.7594%2,395
Net loans and leases to deposits80.1877%1,845
Net loans and leases to core deposits87.0363%1,792
Total domestic deposits to total assets79.5126%4,137
Equity capital to assets20.4113%183
Core capital (leverage) ratio20.4140%173
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio38.3600%150
Memoranda:
Average total assets$86,978,4004,160
Average earning assets$81,845,6004,137
Average equity$17,900,4003,373
Average total loans$57,398,0003,958
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8229%3,497
Cost of funding earning assets1.0367%672
Net interest margin2.7862%4,356
Noninterest income to average assets0.2414%4,036
Noninterest expense to average assets2.4170%3,090
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets0.3664%4,330
Return on assets (ROA)0.4259%4,280
Pretax return on assets0.5443%4,199
Return on Equity (ROE)2.0651%4,545
Retained earnings to average equity (ytd only)2.0651%3,912
Net charge-offs to loans0.1253%1,128
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)5.6481%2,716
Efficiency ratio83.7507%621
Assets per employee ($millions)7.1630%1,392
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.6639%951
Loan loss allowance to noncurrent loans123.8768%2,979
Noncurrent assets plus other real estate owned to assets0.9063%1,271
Noncurrent loans to loans1.3432%1,095
Net loans and leases to total assets66.3491%2,476
Net loans and leases to deposits84.3517%1,872
Net loans and leases to core deposits91.0529%1,881
Total domestic deposits to total assets78.6577%4,109
Equity capital to assets21.0201%175
Core capital (leverage) ratio20.8590%170
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio38.4963%154
Memoranda:
Average total assets$86,718,0004,164
Average earning assets$82,308,2504,126
Average equity$17,884,0003,378
Average total loans$57,472,5003,975
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7913%3,879
Cost of funding earning assets1.1215%668
Net interest margin2.6698%4,585
Noninterest income to average assets0.3012%3,662
Noninterest expense to average assets2.4123%3,230
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.3249%4,371
Return on assets (ROA)0.4139%4,268
Pretax return on assets0.5473%4,166
Return on Equity (ROE)2.0199%4,529
Retained earnings to average equity (ytd only)2.0199%3,746
Net charge-offs to loans0.1780%843
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)3.7059%2,660
Efficiency ratio84.7334%600
Assets per employee ($millions)7.2506%1,296
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.6959%819
Loan loss allowance to noncurrent loans80.8688%3,508
Noncurrent assets plus other real estate owned to assets1.3758%722
Noncurrent loans to loans2.0971%613
Net loans and leases to total assets64.4891%2,822
Net loans and leases to deposits81.5221%2,257
Net loans and leases to core deposits87.7871%2,265
Total domestic deposits to total assets79.1063%4,021
Equity capital to assets20.6547%186
Core capital (leverage) ratio20.5141%187
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio39.0879%150
Memoranda:
Average total assets$86,972,0004,164
Average earning assets$82,927,3334,127
Average equity$17,822,6673,382
Average total loans$57,298,0003,994
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8183%4,194
Cost of funding earning assets1.1797%824
Net interest margin2.6386%4,726
Noninterest income to average assets0.1610%4,568
Noninterest expense to average assets2.4565%3,400
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.2076%4,512
Return on assets (ROA)0.3726%4,230
Pretax return on assets0.4048%4,284
Return on Equity (ROE)1.8255%4,478
Retained earnings to average equity (ytd only)1.8255%3,502
Net charge-offs to loans0.1881%723
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)1.8148%2,341
Efficiency ratio91.5952%445
Assets per employee ($millions)7.2862%970
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.7213%840
Loan loss allowance to noncurrent loans99.0020%3,246
Noncurrent assets plus other real estate owned to assets1.1460%1,112
Noncurrent loans to loans1.7386%866
Net loans and leases to total assets64.7791%2,971
Net loans and leases to deposits81.3697%2,538
Net loans and leases to core deposits88.0965%2,514
Total domestic deposits to total assets79.6109%3,927
Equity capital to assets20.2896%233
Core capital (leverage) ratio20.3695%223
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio38.6169%160
Memoranda:
Average total assets$86,954,5004,174
Average earning assets$83,073,5004,126
Average equity$17,748,5003,397
Average total loans$57,408,0004,000
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9098%4,421
Cost of funding earning assets1.1251%1,239
Net interest margin2.7848%4,769
Noninterest income to average assets0.1092%4,908
Noninterest expense to average assets2.6514%3,023
Loan and lease loss provision to assets0.0058%3,894
Net operating income to assets0.0903%4,933
Return on assets (ROA)0.0976%4,945
Pretax return on assets0.1301%4,930
Return on Equity (ROE)0.4756%4,963
Retained earnings to average equity (ytd only)0.4756%4,552
Net charge-offs to loans-0.0177%4,600
Credit loss provision to net charge-offs-50.0000%4,163
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.4412%221
Assets per employee ($millions)7.2063%972
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.7819%680
Loan loss allowance to noncurrent loans100.0000%3,295
Noncurrent assets plus other real estate owned to assets1.1784%1,008
Noncurrent loans to loans1.7819%759
Net loans and leases to total assets64.9506%3,075
Net loans and leases to deposits81.7436%2,585
Net loans and leases to core deposits88.5759%2,560
Total domestic deposits to total assets79.4565%4,089
Equity capital to assets20.5343%230
Core capital (leverage) ratio20.5183%218
Tier 1 risk-based capital ratio37.9496%274
Total risk-based capital ratio39.2107%270
Memoranda:
Average total assets$86,066,2004,201
Average earning assets$82,484,0004,147
Average equity$17,663,2003,372
Average total loans$56,402,6004,043
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9217%4,504
Cost of funding earning assets1.1087%1,313
Net interest margin2.8130%4,844
Noninterest income to average assets0.1008%4,987
Noninterest expense to average assets2.5312%3,347
Loan and lease loss provision to assets0.0047%3,780
Net operating income to assets0.1962%4,953
Return on assets (ROA)0.2047%4,961
Pretax return on assets0.2714%4,922
Return on Equity (ROE)0.9977%5,013
Retained earnings to average equity (ytd only)0.9977%4,568
Net charge-offs to loans0.0071%3,122
Credit loss provision to net charge-offs100.0000%2,246
Earnings coverage of net charge-offs (x)56.9975%1,092
Efficiency ratio90.5158%309
Assets per employee ($millions)7.1361%975
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.8168%658
Loan loss allowance to noncurrent loans99.4059%3,333
Noncurrent assets plus other real estate owned to assets1.2110%1,043
Noncurrent loans to loans1.8277%773
Net loans and leases to total assets63.3599%3,350
Net loans and leases to deposits80.2892%2,869
Net loans and leases to core deposits86.7626%2,844
Total domestic deposits to total assets78.9147%4,203
Equity capital to assets20.7992%228
Core capital (leverage) ratio20.7456%215
Tier 1 risk-based capital ratio39.2623%257
Total risk-based capital ratio40.5236%254
Memoranda:
Average total assets$85,964,0004,254
Average earning assets$82,377,2504,202
Average equity$17,639,7503,395
Average total loans$56,207,0004,097
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9611%4,461
Cost of funding earning assets1.0909%1,335
Net interest margin2.8702%4,852
Noninterest income to average assets0.0813%5,095
Noninterest expense to average assets2.5675%3,281
Loan and lease loss provision to assets0.0070%3,591
Net operating income to assets0.1501%5,028
Return on assets (ROA)0.1464%5,042
Pretax return on assets0.2533%4,977
Return on Equity (ROE)0.7166%5,071
Retained earnings to average equity (ytd only)0.7166%4,504
Net charge-offs to loans-0.1132%5,023
Credit loss provision to net charge-offs-9.3750%3,757
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.6481%328
Assets per employee ($millions)7.1344%937
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.8570%617
Loan loss allowance to noncurrent loans104.3173%3,277
Noncurrent assets plus other real estate owned to assets1.1634%1,159
Noncurrent loans to loans1.7802%847
Net loans and leases to total assets64.1375%3,325
Net loans and leases to deposits81.1054%2,835
Net loans and leases to core deposits87.6149%2,839
Total domestic deposits to total assets79.0791%4,200
Equity capital to assets20.6861%222
Core capital (leverage) ratio20.5455%219
Tier 1 risk-based capital ratio39.4826%242
Total risk-based capital ratio40.7448%240
Memoranda:
Average total assets$86,074,3304,282
Average earning assets$82,503,0004,228
Average equity$17,582,6703,407
Average total loans$56,522,3304,115
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8212%4,677
Cost of funding earning assets1.0400%1,410
Net interest margin2.7813%5,001
Noninterest income to average assets0.1020%5,070
Noninterest expense to average assets2.5398%3,396
Loan and lease loss provision to assets0.0139%3,255
Net operating income to assets0.1603%5,042
Return on assets (ROA)0.1529%5,057
Pretax return on assets0.2039%5,029
Return on Equity (ROE)0.7535%5,096
Retained earnings to average equity (ytd only)0.7535%4,373
Net charge-offs to loans0.1408%903
Credit loss provision to net charge-offs15.0000%2,163
Earnings coverage of net charge-offs (x)2.4500%2,494
Efficiency ratio91.7923%334
Assets per employee ($millions)7.1441%943
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.7520%774
Loan loss allowance to noncurrent loans87.1139%3,585
Noncurrent assets plus other real estate owned to assets1.3741%924
Noncurrent loans to loans2.0111%739
Net loans and leases to total assets64.5639%3,222
Net loans and leases to deposits81.4641%2,670
Net loans and leases to core deposits87.9577%2,688
Total domestic deposits to total assets79.2544%4,306
Equity capital to assets20.4948%222
Core capital (leverage) ratio20.3793%227
Tier 1 risk-based capital ratio38.9651%249
Total risk-based capital ratio40.2261%248
Memoranda:
Average total assets$86,305,0004,323
Average earning assets$82,695,5004,270
Average equity$17,519,0003,412
Average total loans$56,809,0004,148
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5942%4,805
Cost of funding earning assets0.7517%1,779
Net interest margin2.8425%4,980
Noninterest income to average assets0.2249%4,574
Noninterest expense to average assets2.3270%4,058
Loan and lease loss provision to assets0.0341%3,514
Net operating income to assets0.4441%4,777
Return on assets (ROA)0.4441%4,773
Pretax return on assets0.5951%4,636
Return on Equity (ROE)2.2655%5,011
Retained earnings to average equity (ytd only)2.2655%4,250
Net charge-offs to loans0.2510%767
Credit loss provision to net charge-offs21.1268%3,398
Earnings coverage of net charge-offs (x)3.9014%3,368
Efficiency ratio78.7169%1,061
Assets per employee ($millions)6.6832%1,126
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.7528%750
Loan loss allowance to noncurrent loans87.6856%3,618
Noncurrent assets plus other real estate owned to assets1.3179%962
Noncurrent loans to loans1.9989%676
Net loans and leases to total assets64.7748%3,276
Net loans and leases to deposits87.8244%2,065
Net loans and leases to core deposits93.9751%2,227
Total domestic deposits to total assets73.7549%4,962
Equity capital to assets20.1057%230
Core capital (leverage) ratio20.2269%223
Tier 1 risk-based capital ratio37.8032%260
Total risk-based capital ratio39.0633%257
Memoranda:
Average total assets$88,051,6004,303
Average earning assets$84,609,0004,241
Average equity$17,258,8003,366
Average total loans$56,574,4004,174
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4835%4,942
Cost of funding earning assets0.7230%1,736
Net interest margin2.7604%5,122
Noninterest income to average assets0.2430%4,523
Noninterest expense to average assets2.2276%4,261
Loan and lease loss provision to assets0.0453%3,085
Net operating income to assets0.4769%4,807
Return on assets (ROA)0.4769%4,809
Pretax return on assets0.6263%4,684
Return on Equity (ROE)2.4486%5,076
Retained earnings to average equity (ytd only)2.4486%4,423
Net charge-offs to loans0.3381%492
Credit loss provision to net charge-offs20.9790%3,014
Earnings coverage of net charge-offs (x)3.1119%3,188
Efficiency ratio76.8350%1,250
Assets per employee ($millions)6.6783%1,101
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.7976%728
Loan loss allowance to noncurrent loans61.1959%4,188
Noncurrent assets plus other real estate owned to assets1.8879%593
Noncurrent loans to loans2.9374%378
Net loans and leases to total assets63.1136%3,527
Net loans and leases to deposits82.9182%2,723
Net loans and leases to core deposits88.5216%2,793
Total domestic deposits to total assets76.1156%4,776
Equity capital to assets19.9198%234
Core capital (leverage) ratio19.8337%241
Tier 1 risk-based capital ratio38.1074%257
Total risk-based capital ratio39.3678%254
Memoranda:
Average total assets$88,344,2504,342
Average earning assets$85,008,7504,279
Average equity$17,206,5003,406
Average total loans$56,397,7504,223
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4415%4,985
Cost of funding earning assets0.6705%1,810
Net interest margin2.7709%5,155
Noninterest income to average assets0.2408%4,570
Noninterest expense to average assets2.1969%4,377
Loan and lease loss provision to assets0.0675%2,533
Net operating income to assets0.4642%4,832
Return on assets (ROA)0.4659%4,832
Pretax return on assets0.6483%4,644
Return on Equity (ROE)2.4102%5,113
Retained earnings to average equity (ytd only)2.4102%4,301
Net charge-offs to loans0.4488%344
Credit loss provision to net charge-offs23.6220%2,669
Earnings coverage of net charge-offs (x)2.4961%2,968
Efficiency ratio75.4834%1,495
Assets per employee ($millions)6.8602%985
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.8055%746
Loan loss allowance to noncurrent loans61.7576%4,177
Noncurrent assets plus other real estate owned to assets1.8501%614
Noncurrent loans to loans2.9236%397
Net loans and leases to total assets62.1415%3,584
Net loans and leases to deposits81.2703%2,837
Net loans and leases to core deposits86.2311%2,902
Total domestic deposits to total assets76.4627%4,803
Equity capital to assets19.3256%251
Core capital (leverage) ratio19.5839%242
Tier 1 risk-based capital ratio37.4720%272
Total risk-based capital ratio38.7321%270
Memoranda:
Average total assets$88,853,0004,367
Average earning assets$85,603,3304,305
Average equity$17,177,3303,425
Average total loans$56,598,0004,252
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3721%5,052
Cost of funding earning assets0.6361%1,803
Net interest margin2.7360%5,227
Noninterest income to average assets0.1579%5,071
Noninterest expense to average assets2.1559%4,525
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.4014%4,923
Return on assets (ROA)0.4014%4,924
Pretax return on assets0.6404%4,591
Return on Equity (ROE)2.0760%5,171
Retained earnings to average equity (ytd only)2.0760%4,333
Net charge-offs to loans0.7410%198
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)1.3524%2,568
Efficiency ratio77.0968%1,445
Assets per employee ($millions)6.8188%1,040
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.7972%790
Loan loss allowance to noncurrent loans68.9162%4,043
Noncurrent assets plus other real estate owned to assets1.6899%761
Noncurrent loans to loans2.6079%503
Net loans and leases to total assets62.3189%3,512
Net loans and leases to deposits77.4511%3,068
Net loans and leases to core deposits81.9468%3,145
Total domestic deposits to total assets80.4623%4,329
Equity capital to assets19.3482%240
Core capital (leverage) ratio19.5232%230
Tier 1 risk-based capital ratio37.9912%257
Total risk-based capital ratio39.2511%251
Memoranda:
Average total assets$88,688,5004,419
Average earning assets$85,525,5004,355
Average equity$17,148,5003,457
Average total loans$56,678,0004,286
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5500%4,694
Cost of funding earning assets0.6407%1,354
Net interest margin2.9093%5,031
Noninterest income to average assets0.1683%5,114
Noninterest expense to average assets2.5331%3,669
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.2740%4,976
Return on assets (ROA)0.3266%4,901
Pretax return on assets0.5136%4,908
Return on Equity (ROE)1.7216%5,106
Retained earnings to average equity (ytd only)1.7216%4,276
Net charge-offs to loans-0.3744%5,589
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.4500%678
Assets per employee ($millions)7.3944%812
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.9544%586
Loan loss allowance to noncurrent loans83.0975%3,852
Noncurrent assets plus other real estate owned to assets1.5338%883
Noncurrent loans to loans2.3519%597
Net loans and leases to total assets63.0960%3,477
Net loans and leases to deposits78.8738%3,024
Net loans and leases to core deposits83.4630%3,109
Total domestic deposits to total assets79.9962%4,338
Equity capital to assets19.3231%235
Core capital (leverage) ratio19.2056%228
Tier 1 risk-based capital ratio37.4081%267
Total risk-based capital ratio38.6725%263
Memoranda:
Average total assets$80,217,0004,589
Average earning assets$77,098,2004,520
Average equity$15,218,4003,694
Average total loans$51,555,0004,420
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5270%4,749
Cost of funding earning assets0.6397%1,309
Net interest margin2.8874%5,104
Noninterest income to average assets0.1705%5,166
Noninterest expense to average assets2.5326%3,618
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.2862%5,242
Return on assets (ROA)0.2814%5,269
Pretax return on assets0.4025%5,186
Return on Equity (ROE)1.4837%5,377
Retained earnings to average equity (ytd only)1.4837%4,827
Net charge-offs to loans0.0159%3,198
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)39.9988%1,294
Efficiency ratio86.0870%625
Assets per employee ($millions)7.5429%751
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.9543%620
Loan loss allowance to noncurrent loans102.8864%3,483
Noncurrent assets plus other real estate owned to assets1.2142%1,353
Noncurrent loans to loans1.8995%914
Net loans and leases to total assets61.2451%3,746
Net loans and leases to deposits77.2240%3,250
Net loans and leases to core deposits80.7058%3,390
Total domestic deposits to total assets79.3084%4,478
Equity capital to assets19.2675%261
Core capital (leverage) ratio19.7316%220
Tier 1 risk-based capital ratio38.8134%237
Total risk-based capital ratio40.0765%235
Memoranda:
Average total assets$78,177,7504,672
Average earning assets$75,037,7504,606
Average equity$14,827,0003,775
Average total loans$50,237,2504,494
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3712%5,003
Cost of funding earning assets0.5938%1,489
Net interest margin2.7774%5,280
Noninterest income to average assets0.1728%5,187
Noninterest expense to average assets2.6409%3,307
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.1151%5,479
Return on assets (ROA)0.1134%5,485
Pretax return on assets0.1944%5,432
Return on Equity (ROE)0.6019%5,515
Retained earnings to average equity (ytd only)0.6019%4,951
Net charge-offs to loans-0.0042%4,293
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.0542%329
Assets per employee ($millions)8.1628%579
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.9208%695
Loan loss allowance to noncurrent loans105.8419%3,473
Noncurrent assets plus other real estate owned to assets1.1883%1,432
Noncurrent loans to loans1.8148%989
Net loans and leases to total assets64.2211%3,357
Net loans and leases to deposits80.9138%2,816
Net loans and leases to core deposits85.0473%2,968
Total domestic deposits to total assets79.3698%4,539
Equity capital to assets19.0444%260
Core capital (leverage) ratio18.9489%244
Tier 1 risk-based capital ratio36.2758%274
Total risk-based capital ratio37.5379%271
Memoranda:
Average total assets$74,065,3304,782
Average earning assets$71,072,6704,724
Average equity$13,956,0003,892
Average total loans$48,136,0004,576
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2931%5,116
Cost of funding earning assets0.5778%1,525
Net interest margin2.7152%5,372
Noninterest income to average assets0.1721%5,249
Noninterest expense to average assets2.6303%3,378
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets-0.0181%5,613
Return on assets (ROA)-0.0215%5,624
Pretax return on assets0.1398%5,490
Return on Equity (ROE)-0.1148%5,617
Retained earnings to average equity (ytd only)-0.1148%4,938
Net charge-offs to loans0.0748%1,587
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)3.0000%2,522
Efficiency ratio94.7674%356
Assets per employee ($millions)8.2107%567
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.9098%778
Loan loss allowance to noncurrent loans94.4215%3,709
Noncurrent assets plus other real estate owned to assets1.3099%1,298
Noncurrent loans to loans2.0227%878
Net loans and leases to total assets63.5271%3,328
Net loans and leases to deposits79.2357%2,839
Net loans and leases to core deposits83.2075%2,974
Total domestic deposits to total assets80.1748%4,583
Equity capital to assets18.8589%256
Core capital (leverage) ratio18.8269%244
Tier 1 risk-based capital ratio36.6084%284
Total risk-based capital ratio37.8707%278
Memoranda:
Average total assets$74,365,5004,822
Average earning assets$71,301,5004,759
Average equity$13,938,5003,930
Average total loans$48,152,0004,619
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3478%5,082
Cost of funding earning assets0.6228%1,185
Net interest margin2.7250%5,392
Noninterest income to average assets0.2167%5,115
Noninterest expense to average assets2.1281%4,945
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.4503%4,798
Return on assets (ROA)0.4637%4,840
Pretax return on assets0.7422%4,366
Return on Equity (ROE)2.5623%5,279
Retained earnings to average equity (ytd only)2.5623%4,060
Net charge-offs to loans-0.1687%5,708
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6888%2,182
Assets per employee ($millions)8.3150%529
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.9052%795
Loan loss allowance to noncurrent loans93.6105%3,759
Noncurrent assets plus other real estate owned to assets1.3256%1,317
Noncurrent loans to loans2.0353%879
Net loans and leases to total assets63.5037%3,418
Net loans and leases to deposits78.9170%3,001
Net loans and leases to core deposits82.4365%3,183
Total domestic deposits to total assets80.4690%4,460
Equity capital to assets18.6290%270
Core capital (leverage) ratio18.4509%255
Tier 1 risk-based capital ratio36.3866%290
Total risk-based capital ratio37.6486%283
Memoranda:
Average total assets$76,124,6004,811
Average earning assets$73,541,2004,725
Average equity$13,776,8003,971
Average total loans$49,202,8004,596
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3492%5,123
Cost of funding earning assets0.6252%1,169
Net interest margin2.7241%5,463
Noninterest income to average assets0.2006%5,264
Noninterest expense to average assets2.0231%5,156
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.5094%4,660
Return on assets (ROA)0.5128%4,751
Pretax return on assets0.8197%4,250
Return on Equity (ROE)2.8538%5,257
Retained earnings to average equity (ytd only)2.8538%4,186
Net charge-offs to loans-0.2402%5,804
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.2969%2,685
Assets per employee ($millions)8.4366%496
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.8638%906
Loan loss allowance to noncurrent loans95.5761%3,715
Noncurrent assets plus other real estate owned to assets1.4000%1,330
Noncurrent loans to loans1.9500%1,018
Net loans and leases to total assets64.4233%3,345
Net loans and leases to deposits81.4656%2,803
Net loans and leases to core deposits85.1009%3,031
Total domestic deposits to total assets79.0805%4,700
Equity capital to assets18.3237%318
Core capital (leverage) ratio18.3299%274
Tier 1 risk-based capital ratio35.3059%324
Total risk-based capital ratio36.5688%322
Memoranda:
Average total assets$76,447,0004,836
Average earning assets$74,005,2504,756
Average equity$13,735,7504,013
Average total loans$49,392,0004,636
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3160%5,256
Cost of funding earning assets0.6401%1,090
Net interest margin2.6760%5,599
Noninterest income to average assets0.2636%4,898
Noninterest expense to average assets2.0334%5,204
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.5291%4,565
Return on assets (ROA)0.5090%4,756
Pretax return on assets0.7961%4,293
Return on Equity (ROE)2.8516%5,280
Retained earnings to average equity (ytd only)2.8516%4,087
Net charge-offs to loans-0.1990%5,810
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0766%2,804
Assets per employee ($millions)8.4646%483
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.8298%1,030
Loan loss allowance to noncurrent loans90.5295%3,902
Noncurrent assets plus other real estate owned to assets1.4623%1,323
Noncurrent loans to loans2.0212%981
Net loans and leases to total assets62.6075%3,553
Net loans and leases to deposits76.6185%3,314
Net loans and leases to core deposits80.4436%3,421
Total domestic deposits to total assets81.7133%4,086
Equity capital to assets18.1528%325
Core capital (leverage) ratio18.1423%286
Tier 1 risk-based capital ratio35.8839%314
Total risk-based capital ratio37.1453%310
Memoranda:
Average total assets$76,619,6704,883
Average earning assets$74,366,0004,794
Average equity$13,676,6704,040
Average total loans$49,241,0004,673
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9690%5,717
Cost of funding earning assets0.6515%1,046
Net interest margin2.3175%5,923
Noninterest income to average assets0.0417%5,992
Noninterest expense to average assets1.9794%5,382
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.2136%5,501
Return on assets (ROA)0.2136%5,565
Pretax return on assets0.3230%5,466
Return on Equity (ROE)1.2101%5,659
Retained earnings to average equity (ytd only)1.2101%4,764
Net charge-offs to loans-0.2340%5,884
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.9729%979
Assets per employee ($millions)8.4421%484
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.7827%1,188
Loan loss allowance to noncurrent loans116.3320%3,296
Noncurrent assets plus other real estate owned to assets1.1135%1,986
Noncurrent loans to loans1.5324%1,522
Net loans and leases to total assets63.0148%3,384
Net loans and leases to deposits76.7928%3,129
Net loans and leases to core deposits80.6108%3,273
Total domestic deposits to total assets82.0582%4,205
Equity capital to assets17.8931%334
Core capital (leverage) ratio17.7421%310
Tier 1 risk-based capital ratio35.6704%315
Total risk-based capital ratio36.9326%312
Memoranda:
Average total assets$76,791,0004,923
Average earning assets$74,907,5004,824
Average equity$13,552,5004,070
Average total loans$49,569,5004,690
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2186%5,494
Cost of funding earning assets0.8518%365
Net interest margin2.3668%5,912
Noninterest income to average assets0.0325%6,042
Noninterest expense to average assets1.6832%5,859
Loan and lease loss provision to assets0.0375%3,597
Net operating income to assets0.3911%5,077
Return on assets (ROA)0.3911%5,158
Pretax return on assets0.6173%4,786
Return on Equity (ROE)2.3440%5,488
Retained earnings to average equity (ytd only)2.3440%4,389
Net charge-offs to loans0.4158%690
Credit loss provision to net charge-offs13.5747%3,801
Earnings coverage of net charge-offs (x)2.3710%3,920
Efficiency ratio71.9936%2,913
Assets per employee ($millions)8.6226%449
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.6669%1,428
Loan loss allowance to noncurrent loans147.8873%2,843
Noncurrent assets plus other real estate owned to assets0.9162%2,378
Noncurrent loans to loans1.1272%2,089
Net loans and leases to total assets63.8532%3,308
Net loans and leases to deposits77.3634%3,120
Net loans and leases to core deposits81.0932%3,234
Total domestic deposits to total assets82.5368%4,007
Equity capital to assets17.4091%368
Core capital (leverage) ratio17.3280%332
Tier 1 risk-based capital ratio34.5228%346
Total risk-based capital ratio35.7836%342
Memoranda:
Average total assets$80,027,2004,878
Average earning assets$77,953,6004,765
Average equity$13,353,2004,071
Average total loans$53,153,8004,576
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2018%5,583
Cost of funding earning assets0.8794%319
Net interest margin2.3224%6,023
Noninterest income to average assets0.0016%6,191
Noninterest expense to average assets1.5444%6,013
Loan and lease loss provision to assets0.0496%3,221
Net operating income to assets0.4283%5,059
Return on assets (ROA)0.4283%5,140
Pretax return on assets0.6697%4,779
Return on Equity (ROE)2.5937%5,523
Retained earnings to average equity (ytd only)2.5937%4,568
Net charge-offs to loans0.5547%415
Credit loss provision to net charge-offs13.3929%3,422
Earnings coverage of net charge-offs (x)1.9420%3,757
Efficiency ratio68.2250%3,498
Assets per employee ($millions)8.7544%406
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.6196%1,722
Loan loss allowance to noncurrent loans144.0620%2,896
Noncurrent assets plus other real estate owned to assets1.0864%2,184
Noncurrent loans to loans1.1242%2,256
Net loans and leases to total assets64.5285%3,222
Net loans and leases to deposits77.9379%3,104
Net loans and leases to core deposits82.0548%3,245
Total domestic deposits to total assets82.7948%3,881
Equity capital to assets17.1151%424
Core capital (leverage) ratio16.9666%386
Tier 1 risk-based capital ratio33.8380%385
Total risk-based capital ratio35.0964%379
Memoranda:
Average total assets$80,633,2504,912
Average earning assets$78,537,7504,808
Average equity$13,314,0004,119
Average total loans$53,844,2504,608
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2249%5,581
Cost of funding earning assets0.9023%286
Net interest margin2.3226%6,087
Noninterest income to average assets-0.0418%6,288
Noninterest expense to average assets1.5385%6,092
Loan and lease loss provision to assets0.0738%2,637
Net operating income to assets0.3889%5,165
Return on assets (ROA)0.3889%5,277
Pretax return on assets0.6080%4,959
Return on Equity (ROE)2.3836%5,598
Retained earnings to average equity (ytd only)2.3836%4,541
Net charge-offs to loans0.8174%259
Credit loss provision to net charge-offs13.4529%3,078
Earnings coverage of net charge-offs (x)1.2422%3,552
Efficiency ratio69.2905%3,444
Assets per employee ($millions)8.8986%383
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.5726%2,001
Loan loss allowance to noncurrent loans83.8000%4,104
Noncurrent assets plus other real estate owned to assets1.4210%1,763
Noncurrent loans to loans1.8766%1,341
Net loans and leases to total assets65.4913%3,045
Net loans and leases to deposits78.6416%2,951
Net loans and leases to core deposits83.1945%3,060
Total domestic deposits to total assets83.2782%3,840
Equity capital to assets16.6219%453
Core capital (leverage) ratio16.5563%408
Tier 1 risk-based capital ratio32.5265%441
Total risk-based capital ratio33.7841%433
Memoranda:
Average total assets$81,247,6704,948
Average earning assets$79,134,0004,847
Average equity$13,257,0004,155
Average total loans$54,566,0004,628
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1533%5,715
Cost of funding earning assets0.9289%245
Net interest margin2.2244%6,193
Noninterest income to average assets0.0635%6,193
Noninterest expense to average assets1.4029%6,233
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.5279%4,552
Return on assets (ROA)0.5279%4,671
Pretax return on assets0.8261%4,146
Return on Equity (ROE)3.2654%5,272
Retained earnings to average equity (ytd only)3.2654%4,026
Net charge-offs to loans0.9057%267
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)1.3520%2,930
Efficiency ratio62.9386%4,632
Assets per employee ($millions)10.2193%243
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.6522%1,872
Loan loss allowance to noncurrent loans84.1226%4,069
Noncurrent assets plus other real estate owned to assets1.4972%1,750
Noncurrent loans to loans1.9641%1,340
Net loans and leases to total assets65.9650%2,780
Net loans and leases to deposits78.8793%2,698
Net loans and leases to core deposits83.3151%2,836
Total domestic deposits to total assets83.6277%3,962
Equity capital to assets16.2867%510
Core capital (leverage) ratio16.3402%428
Tier 1 risk-based capital ratio31.7047%470
Total risk-based capital ratio32.9636%467
Memoranda:
Average total assets$81,828,0004,993
Average earning assets$79,663,5004,873
Average equity$13,229,5004,195
Average total loans$55,205,0004,636
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3582%5,611
Cost of funding earning assets1.0957%138
Net interest margin2.2625%6,285
Noninterest income to average assets-0.1195%6,458
Noninterest expense to average assets1.8334%6,026
Loan and lease loss provision to assets0.6510%204
Net operating income to assets-0.3390%6,252
Return on assets (ROA)-0.3456%6,247
Pretax return on assets-0.4296%6,263
Return on Equity (ROE)-2.1988%6,219
Retained earnings to average equity (ytd only)-2.1988%6,032
Net charge-offs to loans0.6743%560
Credit loss provision to net charge-offs141.7526%1,675
Earnings coverage of net charge-offs (x)0.5000%4,630
Efficiency ratio88.8698%922
Assets per employee ($millions)10.2378%228
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.8552%1,411
Loan loss allowance to noncurrent loans99.5174%3,730
Noncurrent assets plus other real estate owned to assets1.3809%2,017
Noncurrent loans to loans1.8641%1,525
Net loans and leases to total assets66.5967%2,793
Net loans and leases to deposits79.4430%2,790
Net loans and leases to core deposits83.1349%2,979
Total domestic deposits to total assets83.8295%3,795
Equity capital to assets16.0484%526
Core capital (leverage) ratio16.1669%452
Tier 1 risk-based capital ratio31.5999%450
Total risk-based capital ratio32.8648%437
Memoranda:
Average total assets$84,489,8004,948
Average earning assets$81,501,6004,865
Average equity$13,280,0004,140
Average total loans$57,539,8004,567
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3290%5,716
Cost of funding earning assets1.1146%133
Net interest margin2.2145%6,381
Noninterest income to average assets-0.0266%6,501
Noninterest expense to average assets1.8104%6,073
Loan and lease loss provision to assets0.2067%1,133
Net operating income to assets0.0215%6,121
Return on assets (ROA)0.0235%6,139
Pretax return on assets0.0908%6,070
Return on Equity (ROE)0.1502%6,144
Retained earnings to average equity (ytd only)0.1502%5,759
Net charge-offs to loans0.2619%1,487
Credit loss provision to net charge-offs115.7895%1,962
Earnings coverage of net charge-offs (x)1.6491%4,112
Efficiency ratio86.0119%1,183
Assets per employee ($millions)11.8756%145
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.5490%2,505
Loan loss allowance to noncurrent loans73.4660%4,379
Noncurrent assets plus other real estate owned to assets1.6998%1,772
Noncurrent loans to loans2.1084%1,484
Net loans and leases to total assets67.7417%2,577
Net loans and leases to deposits81.9694%2,428
Net loans and leases to core deposits85.7619%2,688
Total domestic deposits to total assets82.6426%4,254
Equity capital to assets16.0895%548
Core capital (leverage) ratio16.2964%441
Tier 1 risk-based capital ratio31.3784%461
Total risk-based capital ratio32.6385%450
Memoranda:
Average total assets$85,136,7504,992
Average earning assets$81,944,2504,905
Average equity$13,314,0004,159
Average total loans$58,031,0004,589
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3038%5,785
Cost of funding earning assets1.1377%123
Net interest margin2.1660%6,469
Noninterest income to average assets-0.0256%6,580
Noninterest expense to average assets1.8577%6,070
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.1165%6,013
Return on assets (ROA)0.1165%6,056
Pretax return on assets0.1935%5,958
Return on Equity (ROE)0.7522%6,097
Retained earnings to average equity (ytd only)0.7522%5,440
Net charge-offs to loans0.1715%2,022
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)1.6600%3,747
Efficiency ratio90.5682%872
Assets per employee ($millions)12.1361%133
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.4116%3,292
Loan loss allowance to noncurrent loans60.6218%4,787
Noncurrent assets plus other real estate owned to assets1.8834%1,722
Noncurrent loans to loans2.3285%1,387
Net loans and leases to total assets67.3313%2,529
Net loans and leases to deposits79.9463%2,524
Net loans and leases to core deposits83.9867%2,737
Total domestic deposits to total assets84.2207%3,849
Equity capital to assets15.7499%589
Core capital (leverage) ratio15.9497%487
Tier 1 risk-based capital ratio30.8738%489
Total risk-based capital ratio32.1308%483
Memoranda:
Average total assets$85,806,0005,024
Average earning assets$82,270,0004,932
Average equity$13,293,6704,168
Average total loans$58,308,3304,599
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2606%5,919
Cost of funding earning assets1.1645%110
Net interest margin2.0961%6,562
Noninterest income to average assets-0.0046%6,626
Noninterest expense to average assets1.8230%6,186
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.1160%5,993
Return on assets (ROA)0.1160%6,025
Pretax return on assets0.1763%5,961
Return on Equity (ROE)0.7547%6,091
Retained earnings to average equity (ytd only)0.7547%5,286
Net charge-offs to loans0.1711%1,694
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)1.5200%3,078
Efficiency ratio91.1833%933
Assets per employee ($millions)9.5882%270
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4608%3,327
Loan loss allowance to noncurrent loans69.3509%4,517
Noncurrent assets plus other real estate owned to assets1.8646%1,856
Noncurrent loans to loans2.1064%1,744
Net loans and leases to total assets65.9756%2,569
Net loans and leases to deposits78.0193%2,553
Net loans and leases to core deposits82.2102%2,717
Total domestic deposits to total assets84.5632%4,058
Equity capital to assets15.4101%614
Core capital (leverage) ratio15.6642%519
Tier 1 risk-based capital ratio30.8916%487
Total risk-based capital ratio32.1493%482
Memoranda:
Average total assets$86,232,5005,064
Average earning assets$82,440,0004,960
Average equity$13,250,5004,191
Average total loans$58,453,0004,637
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4088%5,822
Cost of funding earning assets1.3114%105
Net interest margin2.0975%6,620
Noninterest income to average assets0.1672%6,084
Noninterest expense to average assets1.6843%6,463
Loan and lease loss provision to assets0.0836%3,448
Net operating income to assets0.2840%5,578
Return on assets (ROA)0.2840%5,673
Pretax return on assets0.4156%5,457
Return on Equity (ROE)1.8681%5,887
Retained earnings to average equity (ytd only)1.8681%4,906
Net charge-offs to loans0.1419%3,384
Credit loss provision to net charge-offs85.8824%2,877
Earnings coverage of net charge-offs (x)5.1294%3,372
Efficiency ratio77.1369%2,600
Assets per employee ($millions)9.5746%265
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.4697%3,330
Loan loss allowance to noncurrent loans59.8485%4,870
Noncurrent assets plus other real estate owned to assets1.9044%1,901
Noncurrent loans to loans2.4556%1,554
Net loans and leases to total assets67.6098%2,419
Net loans and leases to deposits79.8607%2,475
Net loans and leases to core deposits84.0765%2,670
Total domestic deposits to total assets84.6596%3,905
Equity capital to assets15.3219%617
Core capital (leverage) ratio15.6449%523
Tier 1 risk-based capital ratio30.4386%484
Total risk-based capital ratio31.6982%480
Memoranda:
Average total assets$87,335,4005,042
Average earning assets$83,958,2004,931
Average equity$13,275,2004,211
Average total loans$59,896,4004,613
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4174%5,850
Cost of funding earning assets1.3297%107
Net interest margin2.0877%6,699
Noninterest income to average assets0.1932%6,017
Noninterest expense to average assets1.5763%6,574
Loan and lease loss provision to assets0.1111%2,907
Net operating income to assets0.3652%5,387
Return on assets (ROA)0.3652%5,522
Pretax return on assets0.5173%5,301
Return on Equity (ROE)2.4072%5,820
Retained earnings to average equity (ytd only)2.4072%4,887
Net charge-offs to loans0.1975%2,655
Credit loss provision to net charge-offs82.0225%2,793
Earnings coverage of net charge-offs (x)4.6406%3,388
Efficiency ratio71.4976%3,509
Assets per employee ($millions)9.5701%263
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.4652%3,619
Loan loss allowance to noncurrent loans44.6106%5,456
Noncurrent assets plus other real estate owned to assets2.5682%1,483
Noncurrent loans to loans3.2845%1,188
Net loans and leases to total assets67.5367%2,365
Net loans and leases to deposits79.9566%2,415
Net loans and leases to core deposits84.0777%2,648
Total domestic deposits to total assets84.4667%3,996
Equity capital to assets15.3661%646
Core capital (leverage) ratio15.6501%548
Tier 1 risk-based capital ratio30.5512%490
Total risk-based capital ratio31.8094%490
Memoranda:
Average total assets$87,626,5005,084
Average earning assets$84,428,7504,967
Average equity$13,293,2504,252
Average total loans$60,088,2504,653
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4413%5,810
Cost of funding earning assets1.3553%107
Net interest margin2.0860%6,737
Noninterest income to average assets0.2723%5,504
Noninterest expense to average assets1.5455%6,641
Loan and lease loss provision to assets0.1657%2,253
Net operating income to assets0.3972%5,229
Return on assets (ROA)0.3972%5,391
Pretax return on assets0.5696%5,133
Return on Equity (ROE)2.6291%5,745
Retained earnings to average equity (ytd only)2.6291%4,635
Net charge-offs to loans0.2548%2,195
Credit loss provision to net charge-offs94.8052%2,337
Earnings coverage of net charge-offs (x)4.2078%3,187
Efficiency ratio67.7612%4,225
Assets per employee ($millions)9.6694%243
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.4624%3,754
Loan loss allowance to noncurrent loans51.8015%5,122
Noncurrent assets plus other real estate owned to assets2.1718%1,989
Noncurrent loans to loans2.8231%1,601
Net loans and leases to total assets67.9035%2,258
Net loans and leases to deposits80.2556%2,287
Net loans and leases to core deposits84.3258%2,510
Total domestic deposits to total assets84.6090%4,082
Equity capital to assets15.2922%656
Core capital (leverage) ratio15.4251%535
Tier 1 risk-based capital ratio30.4217%502
Total risk-based capital ratio31.6818%499
Memoranda:
Average total assets$88,125,0005,103
Average earning assets$84,851,3304,987
Average equity$13,312,6704,280
Average total loans$60,439,3304,658
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5386%5,613
Cost of funding earning assets1.3901%100
Net interest margin2.1484%6,786
Noninterest income to average assets0.0180%6,815
Noninterest expense to average assets1.5066%6,735
Loan and lease loss provision to assets0.1489%2,392
Net operating income to assets0.3067%5,546
Return on assets (ROA)0.3067%5,670
Pretax return on assets0.4330%5,459
Return on Equity (ROE)2.0428%5,926
Retained earnings to average equity (ytd only)2.0428%4,981
Net charge-offs to loans0.4351%1,364
Credit loss provision to net charge-offs50.0000%2,595
Earnings coverage of net charge-offs (x)1.9545%3,184
Efficiency ratio72.1382%3,590
Assets per employee ($millions)8.8402%334
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.3915%4,287
Loan loss allowance to noncurrent loans47.1635%5,284
Noncurrent assets plus other real estate owned to assets2.3325%1,993
Noncurrent loans to loans2.9503%1,703
Net loans and leases to total assets67.9781%2,014
Net loans and leases to deposits80.0837%2,059
Net loans and leases to core deposits83.7862%2,347
Total domestic deposits to total assets84.8838%4,100
Equity capital to assets15.0969%736
Core capital (leverage) ratio14.6427%645
Tier 1 risk-based capital ratio30.2311%519
Total risk-based capital ratio31.4898%515
Memoranda:
Average total assets$88,675,0005,136
Average earning assets$85,458,5004,999
Average equity$13,315,0004,327
Average total loans$60,674,0004,686
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7904%5,848
Cost of funding earning assets1.7774%55
Net interest margin2.0129%6,930
Noninterest income to average assets-0.0278%6,869
Noninterest expense to average assets1.7080%6,717
Loan and lease loss provision to assets0.3945%1,653
Net operating income to assets-0.2423%6,404
Return on assets (ROA)-0.2423%6,464
Pretax return on assets-0.3445%6,504
Return on Equity (ROE)-1.6342%6,430
Retained earnings to average equity (ytd only)-1.6342%6,109
Net charge-offs to loans-0.0845%6,795
Credit loss provision to net charge-offs-696.0784%6,548
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.1555%655
Assets per employee ($millions)9.8831%250
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.4585%3,905
Loan loss allowance to noncurrent loans47.3401%5,261
Noncurrent assets plus other real estate owned to assets2.3553%2,086
Noncurrent loans to loans3.0808%1,684
Net loans and leases to total assets66.9211%2,379
Net loans and leases to deposits78.6775%2,441
Net loans and leases to core deposits81.9621%2,778
Total domestic deposits to total assets85.0576%3,836
Equity capital to assets14.9346%753
Core capital (leverage) ratio14.4595%682
Tier 1 risk-based capital ratio30.3878%501
Total risk-based capital ratio31.5853%498
Memoranda:
Average total assets$89,986,6005,083
Average earning assets$79,833,6005,128
Average equity$13,340,0004,286
Average total loans$60,347,8004,695
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1186%5,121
Cost of funding earning assets1.8500%50
Net interest margin2.2686%6,958
Noninterest income to average assets-0.0133%6,964
Noninterest expense to average assets1.6916%6,794
Loan and lease loss provision to assets0.5245%1,148
Net operating income to assets-0.1714%6,478
Return on assets (ROA)-0.1714%6,550
Pretax return on assets-0.2600%6,576
Return on Equity (ROE)-1.1582%6,514
Retained earnings to average equity (ytd only)-1.1582%6,293
Net charge-offs to loans-0.0597%6,749
Credit loss provision to net charge-offs-1,314.8148%6,568
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.4804%1,345
Assets per employee ($millions)9.0146%327
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.4278%4,249
Loan loss allowance to noncurrent loans44.9869%5,399
Noncurrent assets plus other real estate owned to assets2.3063%2,307
Noncurrent loans to loans3.1738%1,743
Net loans and leases to total assets65.6335%2,721
Net loans and leases to deposits77.1939%2,774
Net loans and leases to core deposits80.3602%3,156
Total domestic deposits to total assets85.0243%3,731
Equity capital to assets14.8559%857
Core capital (leverage) ratio14.4213%730
Tier 1 risk-based capital ratio30.5776%502
Total risk-based capital ratio31.8376%490
Memoranda:
Average total assets$90,246,2505,132
Average earning assets$78,341,5005,234
Average equity$13,354,0004,329
Average total loans$60,333,2504,750
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1353%5,180
Cost of funding earning assets1.8694%53
Net interest margin2.2660%7,018
Noninterest income to average assets-0.0066%7,013
Noninterest expense to average assets1.7501%6,803
Loan and lease loss provision to assets0.7864%645
Net operating income to assets-0.3700%6,661
Return on assets (ROA)-0.3700%6,711
Pretax return on assets-0.5560%6,757
Return on Equity (ROE)-2.5035%6,646
Retained earnings to average equity (ytd only)-2.5035%6,411
Net charge-offs to loans-0.2482%7,042
Credit loss provision to net charge-offs-473.3333%6,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.3669%1,202
Assets per employee ($millions)11.2356%170
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.5033%3,990
Loan loss allowance to noncurrent loans62.5864%4,532
Noncurrent assets plus other real estate owned to assets1.7812%3,063
Noncurrent loans to loans2.4020%2,502
Net loans and leases to total assets65.9665%2,676
Net loans and leases to deposits77.5196%2,747
Net loans and leases to core deposits81.1813%3,060
Total domestic deposits to total assets85.0965%3,815
Equity capital to assets14.8490%821
Core capital (leverage) ratio14.3822%719
Tier 1 risk-based capital ratio28.9308%577
Total risk-based capital ratio30.2088%561
Memoranda:
Average total assets$90,279,6705,158
Average earning assets$79,171,6705,233
Average equity$13,341,3304,330
Average total loans$60,436,6704,774
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0256%5,688
Cost of funding earning assets1.8944%60
Net interest margin2.1312%7,121
Noninterest income to average assets0.0088%7,075
Noninterest expense to average assets1.7375%6,863
Loan and lease loss provision to assets1.5474%221
Net operating income to assets-1.4324%7,076
Return on assets (ROA)-1.4324%7,085
Pretax return on assets-1.3661%7,060
Return on Equity (ROE)-9.7162%6,983
Retained earnings to average equity (ytd only)-9.7162%6,832
Net charge-offs to loans0.2642%2,609
Credit loss provision to net charge-offs875.0000%403
Earnings coverage of net charge-offs (x)1.0250%3,812
Efficiency ratio90.5530%1,047
Assets per employee ($millions)10.0896%229
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2978%5,033
Loan loss allowance to noncurrent loans49.5268%5,109
Noncurrent assets plus other real estate owned to assets1.9107%3,032
Noncurrent loans to loans2.6205%2,483
Net loans and leases to total assets65.7446%2,510
Net loans and leases to deposits76.9033%2,688
Net loans and leases to core deposits80.9481%2,954
Total domestic deposits to total assets85.4899%3,798
Equity capital to assets14.4869%867
Core capital (leverage) ratio14.3084%730
Tier 1 risk-based capital ratio31.2833%474
Total risk-based capital ratio32.5409%464
Memoranda:
Average total assets$90,477,0005,189
Average earning assets$81,081,0005,219
Average equity$13,338,5004,341
Average total loans$60,555,5004,790
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2726%5,846
Cost of funding earning assets1.9914%105
Net interest margin2.2812%7,150
Noninterest income to average assets0.0733%6,741
Noninterest expense to average assets1.7897%6,967
Loan and lease loss provision to assets1.3282%604
Net operating income to assets-0.1546%6,211
Return on assets (ROA)-0.1546%6,279
Pretax return on assets-0.8725%6,675
Return on Equity (ROE)-0.9934%6,243
Retained earnings to average equity (ytd only)-0.9934%6,004
Net charge-offs to loans1.8686%771
Credit loss provision to net charge-offs104.3165%3,294
Earnings coverage of net charge-offs (x)0.3579%5,551
Efficiency ratio79.7042%2,347
Assets per employee ($millions)9.0148%326
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.7835%6,776
Loan loss allowance to noncurrent loans39.0304%5,662
Noncurrent assets plus other real estate owned to assets1.5752%3,584
Noncurrent loans to loans2.0074%3,193
Net loans and leases to total assets66.7247%2,634
Net loans and leases to deposits78.5128%2,755
Net loans and leases to core deposits81.5673%3,240
Total domestic deposits to total assets84.9858%3,859
Equity capital to assets14.9998%783
Core capital (leverage) ratio14.9771%608
Tier 1 risk-based capital ratio30.3414%504
Total risk-based capital ratio31.4092%502
Memoranda:
Average total assets$87,334,4005,253
Average earning assets$83,158,0005,134
Average equity$13,590,0004,220
Average total loans$59,508,4004,880
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3477%5,784
Cost of funding earning assets2.0264%108
Net interest margin2.3214%7,212
Noninterest income to average assets0.0831%6,827
Noninterest expense to average assets1.7576%7,038
Loan and lease loss provision to assets1.4005%518
Net operating income to assets-0.0154%6,175
Return on assets (ROA)-0.0154%6,281
Pretax return on assets-0.8711%6,817
Return on Equity (ROE)-0.0980%6,276
Retained earnings to average equity (ytd only)-0.0980%5,985
Net charge-offs to loans1.7491%777
Credit loss provision to net charge-offs117.1171%2,786
Earnings coverage of net charge-offs (x)0.4427%5,294
Efficiency ratio76.8506%2,698
Assets per employee ($millions)9.0029%331
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.9283%6,517
Loan loss allowance to noncurrent loans46.7836%5,208
Noncurrent assets plus other real estate owned to assets1.5750%3,730
Noncurrent loans to loans1.9843%3,391
Net loans and leases to total assets66.3842%2,805
Net loans and leases to deposits78.4122%2,902
Net loans and leases to core deposits81.5303%3,401
Total domestic deposits to total assets84.6605%3,938
Equity capital to assets15.1829%802
Core capital (leverage) ratio15.1320%640
Tier 1 risk-based capital ratio30.7607%504
Total risk-based capital ratio31.4611%518
Memoranda:
Average total assets$86,631,0005,307
Average earning assets$82,247,5005,209
Average equity$13,607,0004,216
Average total loans$59,229,0004,936
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4362%5,566
Cost of funding earning assets2.0538%122
Net interest margin2.3825%7,240
Noninterest income to average assets0.0468%7,058
Noninterest expense to average assets1.8152%7,067
Loan and lease loss provision to assets1.4316%504
Net operating income to assets-0.6503%6,791
Return on assets (ROA)-0.6503%6,796
Pretax return on assets-0.9450%6,881
Return on Equity (ROE)-4.0923%6,651
Retained earnings to average equity (ytd only)-4.0923%6,479
Net charge-offs to loans1.3387%1,142
Credit loss provision to net charge-offs155.3299%1,960
Earnings coverage of net charge-offs (x)0.5279%4,911
Efficiency ratio78.8618%2,576
Assets per employee ($millions)8.7898%351
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.0995%5,962
Loan loss allowance to noncurrent loans44.6441%5,339
Noncurrent assets plus other real estate owned to assets2.7191%2,459
Noncurrent loans to loans2.4628%2,926
Net loans and leases to total assets66.1096%3,009
Net loans and leases to deposits78.0752%3,111
Net loans and leases to core deposits80.8799%3,668
Total domestic deposits to total assets84.6743%4,038
Equity capital to assets15.2393%763
Core capital (leverage) ratio15.1968%629
Tier 1 risk-based capital ratio30.0590%525
Total risk-based capital ratio31.0699%529
Memoranda:
Average total assets$85,498,3305,382
Average earning assets$80,924,6705,291
Average equity$13,586,3304,200
Average total loans$58,863,6705,011
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5552%5,149
Cost of funding earning assets2.0715%137
Net interest margin2.4837%7,209
Noninterest income to average assets0.0996%6,917
Noninterest expense to average assets1.7746%7,166
Loan and lease loss provision to assets0.2610%3,050
Net operating income to assets0.2515%5,610
Return on assets (ROA)0.2515%5,675
Pretax return on assets0.4081%5,318
Return on Equity (ROE)1.5495%5,965
Retained earnings to average equity (ytd only)1.5495%5,186
Net charge-offs to loans0.1901%3,361
Credit loss provision to net charge-offs196.4286%1,509
Earnings coverage of net charge-offs (x)5.0357%2,346
Efficiency ratio72.6214%3,746
Assets per employee ($millions)8.5575%385
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.7704%6,971
Loan loss allowance to noncurrent loans20.8928%6,740
Noncurrent assets plus other real estate owned to assets3.7441%1,805
Noncurrent loans to loans3.6872%2,001
Net loans and leases to total assets68.3377%2,483
Net loans and leases to deposits81.3952%2,464
Net loans and leases to core deposits83.8868%3,176
Total domestic deposits to total assets83.9579%4,505
Equity capital to assets16.0082%573
Core capital (leverage) ratio16.0062%500
Tier 1 risk-based capital ratio30.9530%482
Total risk-based capital ratio31.9789%478
Memoranda:
Average total assets$84,298,5005,461
Average earning assets$79,557,5005,374
Average equity$13,682,0004,173
Average total loans$58,918,0005,055
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8601%5,200
Cost of funding earning assets2.2835%224
Net interest margin2.5766%7,225
Noninterest income to average assets-0.1057%7,392
Noninterest expense to average assets1.7412%7,318
Loan and lease loss provision to assets0.2649%4,679
Net operating income to assets0.2749%5,020
Return on assets (ROA)0.2749%5,183
Pretax return on assets0.3370%5,122
Return on Equity (ROE)1.6296%5,517
Retained earnings to average equity (ytd only)1.6296%4,703
Net charge-offs to loans0.2732%4,657
Credit loss provision to net charge-offs136.5385%2,810
Earnings coverage of net charge-offs (x)3.1026%3,522
Efficiency ratio74.3100%3,334
Assets per employee ($millions)8.3022%430
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.7266%7,094
Loan loss allowance to noncurrent loans20.0845%6,808
Noncurrent assets plus other real estate owned to assets3.9194%1,737
Noncurrent loans to loans3.6179%2,070
Net loans and leases to total assets70.4319%2,423
Net loans and leases to deposits84.3866%2,390
Net loans and leases to core deposits86.4067%3,263
Total domestic deposits to total assets83.4634%4,625
Equity capital to assets16.4595%526
Core capital (leverage) ratio16.4283%454
Tier 1 risk-based capital ratio31.0746%462
Total risk-based capital ratio32.0501%466
Memoranda:
Average total assets$80,406,0005,583
Average earning assets$76,418,2005,467
Average equity$13,562,0004,244
Average total loans$57,109,6005,193
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8956%5,290
Cost of funding earning assets2.3231%251
Net interest margin2.5725%7,334
Noninterest income to average assets-0.1070%7,544
Noninterest expense to average assets1.6735%7,453
Loan and lease loss provision to assets0.2976%4,197
Net operating income to assets0.3176%5,094
Return on assets (ROA)0.3176%5,265
Pretax return on assets0.3712%5,309
Return on Equity (ROE)1.8715%5,654
Retained earnings to average equity (ytd only)1.8715%5,023
Net charge-offs to loans0.3953%3,704
Credit loss provision to net charge-offs105.9524%4,032
Earnings coverage of net charge-offs (x)2.3810%3,984
Efficiency ratio71.4490%3,810
Assets per employee ($millions)8.2174%470
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.6481%7,286
Loan loss allowance to noncurrent loans17.3358%6,994
Noncurrent assets plus other real estate owned to assets4.1096%1,680
Noncurrent loans to loans3.7383%2,072
Net loans and leases to total assets70.8947%2,516
Net loans and leases to deposits85.1661%2,492
Net loans and leases to core deposits87.6717%3,419
Total domestic deposits to total assets83.2429%4,485
Equity capital to assets16.6257%572
Core capital (leverage) ratio16.5475%487
Tier 1 risk-based capital ratio31.1883%462
Total risk-based capital ratio32.0607%475
Memoranda:
Average total assets$79,752,0005,669
Average earning assets$75,930,2505,549
Average equity$13,536,2504,319
Average total loans$56,661,5005,288
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9219%5,302
Cost of funding earning assets2.3757%255
Net interest margin2.5462%7,387
Noninterest income to average assets-0.1647%7,669
Noninterest expense to average assets1.7303%7,478
Loan and lease loss provision to assets0.2229%4,669
Net operating income to assets0.3167%5,113
Return on assets (ROA)0.3167%5,278
Pretax return on assets0.3040%5,486
Return on Equity (ROE)1.8526%5,676
Retained earnings to average equity (ytd only)1.8526%4,942
Net charge-offs to loans0.2928%3,861
Credit loss provision to net charge-offs107.3171%3,798
Earnings coverage of net charge-offs (x)2.5366%3,733
Efficiency ratio76.6554%2,960
Assets per employee ($millions)7.9895%500
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.6637%7,317
Loan loss allowance to noncurrent loans22.7053%6,805
Noncurrent assets plus other real estate owned to assets3.4971%2,006
Noncurrent loans to loans2.9233%2,734
Net loans and leases to total assets70.4337%2,810
Net loans and leases to deposits84.9635%2,710
Net loans and leases to core deposits88.4657%3,487
Total domestic deposits to total assets82.8988%4,611
Equity capital to assets17.0098%525
Core capital (leverage) ratio16.9412%449
Tier 1 risk-based capital ratio32.2615%416
Total risk-based capital ratio33.1584%420
Memoranda:
Average total assets$78,944,6705,729
Average earning assets$75,092,3305,601
Average equity$13,494,3304,326
Average total loans$56,003,0005,352
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9536%5,221
Cost of funding earning assets2.4206%281
Net interest margin2.5330%7,446
Noninterest income to average assets-0.1682%7,792
Noninterest expense to average assets1.6924%7,583
Loan and lease loss provision to assets0.1682%4,850
Net operating income to assets0.2090%5,652
Return on assets (ROA)0.2090%5,772
Pretax return on assets0.3823%5,349
Return on Equity (ROE)1.2196%6,056
Retained earnings to average equity (ytd only)1.2196%5,329
Net charge-offs to loans0.3520%2,999
Credit loss provision to net charge-offs67.3469%4,157
Earnings coverage of net charge-offs (x)2.2041%3,436
Efficiency ratio75.4545%3,311
Assets per employee ($millions)7.9273%528
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.6291%7,459
Loan loss allowance to noncurrent loans19.3850%7,044
Noncurrent assets plus other real estate owned to assets3.8967%1,771
Noncurrent loans to loans3.2455%2,461
Net loans and leases to total assets70.3329%2,851
Net loans and leases to deposits84.7895%2,803
Net loans and leases to core deposits87.7451%3,650
Total domestic deposits to total assets82.9501%4,654
Equity capital to assets17.0033%536
Core capital (leverage) ratio16.9792%461
Tier 1 risk-based capital ratio30.8737%480
Total risk-based capital ratio31.6836%490
Memoranda:
Average total assets$78,469,5005,815
Average earning assets$74,693,5005,683
Average equity$13,446,5004,364
Average total loans$55,680,0005,433
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2566%5,377
Cost of funding earning assets2.7396%529
Net interest margin2.5170%7,413
Noninterest income to average assets0.0249%7,609
Noninterest expense to average assets1.8512%7,566
Loan and lease loss provision to assets0.5560%3,592
Net operating income to assets0.0209%5,428
Return on assets (ROA)0.0209%5,470
Pretax return on assets0.0288%5,371
Return on Equity (ROE)0.1190%5,500
Retained earnings to average equity (ytd only)0.1190%4,831
Net charge-offs to loans0.8404%2,728
Credit loss provision to net charge-offs94.2350%5,840
Earnings coverage of net charge-offs (x)0.9911%5,119
Efficiency ratio75.9936%3,529
Assets per employee ($millions)7.7666%565
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.6697%7,437
Loan loss allowance to noncurrent loans22.0896%6,957
Noncurrent assets plus other real estate owned to assets2.5326%2,764
Noncurrent loans to loans3.0316%2,545
Net loans and leases to total assets70.6641%3,086
Net loans and leases to deposits85.4487%3,006
Net loans and leases to core deposits105.3074%3,417
Total domestic deposits to total assets82.6977%4,659
Equity capital to assets17.2714%524
Core capital (leverage) ratio17.2842%459
Tier 1 risk-based capital ratio32.7248%422
Total risk-based capital ratio33.6266%423
Memoranda:
Average total assets$76,436,2005,829
Average earning assets$73,221,6005,711
Average equity$13,449,2004,395
Average total loans$53,665,6005,520
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2829%5,518
Cost of funding earning assets2.7875%614
Net interest margin2.4954%7,471
Noninterest income to average assets0.0876%7,458
Noninterest expense to average assets1.8144%7,652
Loan and lease loss provision to assets0.3993%3,918
Net operating income to assets0.1751%5,234
Return on assets (ROA)0.1751%5,305
Pretax return on assets0.2680%5,143
Return on Equity (ROE)0.9907%5,502
Retained earnings to average equity (ytd only)0.9907%4,758
Net charge-offs to loans0.7108%2,569
Credit loss provision to net charge-offs80.2817%5,757
Earnings coverage of net charge-offs (x)1.3415%4,780
Efficiency ratio73.1122%4,036
Assets per employee ($millions)7.8787%540
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.7139%7,335
Loan loss allowance to noncurrent loans24.1834%6,832
Noncurrent assets plus other real estate owned to assets2.4065%2,859
Noncurrent loans to loans2.9519%2,570
Net loans and leases to total assets67.9643%3,970
Net loans and leases to deposits82.2471%3,972
Net loans and leases to core deposits102.1948%4,135
Total domestic deposits to total assets82.6342%4,385
Equity capital to assets17.1475%612
Core capital (leverage) ratio17.1433%533
Tier 1 risk-based capital ratio33.6439%413
Total risk-based capital ratio34.6029%414
Memoranda:
Average total assets$76,128,7505,873
Average earning assets$73,039,2505,752
Average equity$13,458,0004,423
Average total loans$53,269,0005,577
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3885%5,210
Cost of funding earning assets2.8607%668
Net interest margin2.5277%7,452
Noninterest income to average assets0.1462%7,219
Noninterest expense to average assets1.8633%7,668
Loan and lease loss provision to assets0.6060%2,627
Net operating income to assets0.0691%5,652
Return on assets (ROA)0.0691%5,745
Pretax return on assets0.0983%5,681
Return on Equity (ROE)0.3869%5,816
Retained earnings to average equity (ytd only)0.3869%5,063
Net charge-offs to loans1.0066%1,758
Credit loss provision to net charge-offs85.3933%5,054
Earnings coverage of net charge-offs (x)0.9925%4,791
Efficiency ratio72.5673%4,284
Assets per employee ($millions)7.7777%543
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.7586%7,278
Loan loss allowance to noncurrent loans30.6697%6,428
Noncurrent assets plus other real estate owned to assets2.3940%2,713
Noncurrent loans to loans2.4734%2,929
Net loans and leases to total assets67.7874%4,185
Net loans and leases to deposits82.1397%4,205
Net loans and leases to core deposits102.3589%4,255
Total domestic deposits to total assets82.5270%4,463
Equity capital to assets17.2416%630
Core capital (leverage) ratio17.2650%582
Tier 1 risk-based capital ratio33.9784%450
Total risk-based capital ratio34.9978%442
Memoranda:
Average total assets$75,242,6705,942
Average earning assets$72,080,0005,821
Average equity$13,440,6704,433
Average total loans$53,048,0005,636
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4730%5,052
Cost of funding earning assets2.9314%713
Net interest margin2.5417%7,454
Noninterest income to average assets0.1460%7,246
Noninterest expense to average assets1.6330%7,883
Loan and lease loss provision to assets0.1352%5,228
Net operating income to assets0.5191%4,345
Return on assets (ROA)0.5191%4,529
Pretax return on assets0.8111%4,037
Return on Equity (ROE)2.8537%5,424
Retained earnings to average equity (ytd only)2.8537%4,283
Net charge-offs to loans0.3547%2,668
Credit loss provision to net charge-offs53.1915%4,626
Earnings coverage of net charge-offs (x)3.7234%3,087
Efficiency ratio63.3124%5,808
Assets per employee ($millions)7.5594%604
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.7056%7,428
Loan loss allowance to noncurrent loans28.5061%6,651
Noncurrent assets plus other real estate owned to assets2.7608%2,052
Noncurrent loans to loans2.4752%2,660
Net loans and leases to total assets69.6233%3,774
Net loans and leases to deposits84.9038%3,837
Net loans and leases to core deposits105.2031%4,005
Total domestic deposits to total assets82.0025%4,545
Equity capital to assets17.8599%619
Core capital (leverage) ratio17.8510%575
Tier 1 risk-based capital ratio34.8557%440
Total risk-based capital ratio35.8219%440
Memoranda:
Average total assets$73,975,5006,002
Average earning assets$70,820,0005,885
Average equity$13,456,0004,464
Average total loans$53,009,0005,671
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8367%6,310
Cost of funding earning assets3.1847%1,241
Net interest margin2.6520%7,577
Noninterest income to average assets0.0609%7,842
Noninterest expense to average assets1.7308%7,836
Loan and lease loss provision to assets0.0652%6,575
Net operating income to assets0.5284%4,622
Return on assets (ROA)0.5765%4,276
Pretax return on assets0.8994%3,723
Return on Equity (ROE)3.0857%5,203
Retained earnings to average equity (ytd only)3.0857%3,239
Net charge-offs to loans0.1172%5,089
Credit loss provision to net charge-offs74.1935%6,009
Earnings coverage of net charge-offs (x)10.1290%2,571
Efficiency ratio66.0541%5,117
Assets per employee ($millions)7.2357%637
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.7489%7,287
Loan loss allowance to noncurrent loans58.4683%5,081
Noncurrent assets plus other real estate owned to assets2.4904%1,953
Noncurrent loans to loans1.2808%3,951
Net loans and leases to total assets72.7172%3,430
Net loans and leases to deposits89.4282%3,548
Net loans and leases to core deposits109.2321%3,837
Total domestic deposits to total assets81.3135%4,507
Equity capital to assets18.5345%596
Core capital (leverage) ratio18.5139%554
Tier 1 risk-based capital ratio35.0081%442
Total risk-based capital ratio36.0459%438
Memoranda:
Average total assets$70,602,4006,015
Average earning assets$68,138,4005,891
Average equity$13,189,8004,525
Average total loans$52,899,6005,586