Home > Home Savings Bank, FSB > Performance and Condition Ratios

Home Savings Bank, FSB, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5682%2,472
Cost of funding earning assets0.9128%104
Net interest margin2.6554%3,953
Noninterest income to average assets0.2623%3,803
Noninterest expense to average assets3.0761%878
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets-0.2960%4,733
Return on assets (ROA)-0.2960%4,739
Pretax return on assets-0.2960%4,743
Return on Equity (ROE)-2.2109%4,740
Retained earnings to average equity (ytd only)-2.2109%4,634
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio110.6469%95
Assets per employee ($millions)4.3600%4,225
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.8164%4,242
Loan loss allowance to noncurrent loans28.3133%4,040
Noncurrent assets plus other real estate owned to assets1.9037%172
Noncurrent loans to loans2.8833%207
Net loans and leases to total assets65.4855%1,533
Net loans and leases to deposits86.0941%770
Net loans and leases to core deposits92.1467%870
Total domestic deposits to total assets76.0627%4,509
Equity capital to assets13.5321%756
Core capital (leverage) ratio12.6364%890
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$26,690,0004,764
Average earning assets$25,306,8004,740
Average equity$3,573,2004,736
Average total loans$16,807,4004,618
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6011%2,561
Cost of funding earning assets0.9317%114
Net interest margin2.6694%4,027
Noninterest income to average assets0.2684%3,804
Noninterest expense to average assets2.9924%991
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets-0.1889%4,794
Return on assets (ROA)-0.1889%4,800
Pretax return on assets-0.1889%4,796
Return on Equity (ROE)-1.4146%4,796
Retained earnings to average equity (ytd only)-1.4146%4,681
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio106.7376%118
Assets per employee ($millions)4.5572%4,085
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.8492%4,278
Loan loss allowance to noncurrent loans28.8344%4,136
Noncurrent assets plus other real estate owned to assets1.7884%234
Noncurrent loans to loans2.9453%224
Net loans and leases to total assets60.2055%2,227
Net loans and leases to deposits78.5101%1,436
Net loans and leases to core deposits84.7857%1,367
Total domestic deposits to total assets76.6851%4,511
Equity capital to assets13.0966%955
Core capital (leverage) ratio12.8713%876
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$26,822,5004,836
Average earning assets$25,473,0004,814
Average equity$3,581,5004,806
Average total loans$16,691,2504,690
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5792%2,689
Cost of funding earning assets0.9697%122
Net interest margin2.6095%4,148
Noninterest income to average assets0.2402%3,963
Noninterest expense to average assets2.9645%1,041
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets-0.2402%4,834
Return on assets (ROA)-0.2402%4,839
Pretax return on assets-0.2402%4,838
Return on Equity (ROE)-1.7869%4,839
Retained earnings to average equity (ytd only)-1.7869%4,660
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio108.8154%104
Assets per employee ($millions)4.5450%4,072
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.8275%4,327
Loan loss allowance to noncurrent loans38.0054%4,086
Noncurrent assets plus other real estate owned to assets1.3605%461
Noncurrent loans to loans2.1774%414
Net loans and leases to total assets61.9655%2,183
Net loans and leases to deposits81.1740%1,308
Net loans and leases to core deposits87.6907%1,294
Total domestic deposits to total assets76.3366%4,541
Equity capital to assets13.1536%902
Core capital (leverage) ratio13.0097%797
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$26,649,0004,870
Average earning assets$25,368,6674,846
Average equity$3,581,6674,841
Average total loans$16,720,6674,725
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6186%2,584
Cost of funding earning assets1.0202%122
Net interest margin2.5984%4,156
Noninterest income to average assets0.3037%3,596
Noninterest expense to average assets3.1589%765
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets-0.3797%4,870
Return on assets (ROA)-0.3797%4,875
Pretax return on assets-0.3797%4,873
Return on Equity (ROE)-2.7941%4,874
Retained earnings to average equity (ytd only)-2.7941%4,593
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio113.6612%95
Assets per employee ($millions)5.3374%3,295
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.8333%4,339
Loan loss allowance to noncurrent loans36.3402%4,149
Noncurrent assets plus other real estate owned to assets1.4539%454
Noncurrent loans to loans2.2931%427
Net loans and leases to total assets62.8733%2,188
Net loans and leases to deposits83.3781%1,208
Net loans and leases to core deposits90.2971%1,213
Total domestic deposits to total assets75.4075%4,610
Equity capital to assets13.4672%793
Core capital (leverage) ratio12.9789%846
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$26,338,5004,897
Average earning assets$25,092,5004,876
Average equity$3,579,0004,861
Average total loans$16,561,5004,752
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4525%4,115
Cost of funding earning assets1.2533%220
Net interest margin2.1992%4,760
Noninterest income to average assets0.2893%3,752
Noninterest expense to average assets3.2315%1,002
Loan and lease loss provision to assets0.0952%3,154
Net operating income to assets-0.9402%4,925
Return on assets (ROA)-0.9402%4,928
Pretax return on assets-0.9402%4,922
Return on Equity (ROE)-6.8134%4,917
Retained earnings to average equity (ytd only)-6.8134%4,869
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio135.4067%47
Assets per employee ($millions)4.3317%4,085
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.8702%4,272
Loan loss allowance to noncurrent loans31.6854%4,264
Noncurrent assets plus other real estate owned to assets1.7122%379
Noncurrent loans to loans2.7464%338
Net loans and leases to total assets61.8007%2,634
Net loans and leases to deposits82.4284%1,613
Net loans and leases to core deposits89.4719%1,570
Total domestic deposits to total assets74.9750%4,575
Equity capital to assets13.7130%869
Core capital (leverage) ratio13.1211%864
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$26,272,4004,899
Average earning assets$25,054,6004,882
Average equity$3,625,2004,870
Average total loans$14,575,6004,814
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3951%4,354
Cost of funding earning assets1.2785%269
Net interest margin2.1166%4,845
Noninterest income to average assets0.2885%3,759
Noninterest expense to average assets3.2241%1,034
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets-0.9161%4,941
Return on assets (ROA)-0.9161%4,946
Pretax return on assets-0.9161%4,935
Return on Equity (ROE)-6.6290%4,936
Retained earnings to average equity (ytd only)-6.6290%4,882
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio139.6930%52
Assets per employee ($millions)4.4247%3,929
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.7552%4,470
Loan loss allowance to noncurrent loans25.8929%4,354
Noncurrent assets plus other real estate owned to assets1.6875%470
Noncurrent loans to loans2.9165%327
Net loans and leases to total assets57.4243%3,474
Net loans and leases to deposits76.1260%2,740
Net loans and leases to core deposits84.8264%2,396
Total domestic deposits to total assets75.4332%4,472
Equity capital to assets13.3795%1,038
Core capital (leverage) ratio13.0987%922
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$26,343,0004,929
Average earning assets$25,133,5004,911
Average equity$3,640,5004,893
Average total loans$14,168,7504,849
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4394%4,496
Cost of funding earning assets1.3087%349
Net interest margin2.1307%4,910
Noninterest income to average assets0.3121%3,591
Noninterest expense to average assets3.3112%980
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets-0.9667%4,961
Return on assets (ROA)-0.9667%4,956
Pretax return on assets-0.9667%4,942
Return on Equity (ROE)-6.9210%4,954
Retained earnings to average equity (ytd only)-6.9210%4,849
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio141.2338%50
Assets per employee ($millions)4.4362%3,873
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.8126%4,313
Loan loss allowance to noncurrent loans15.8254%4,482
Noncurrent assets plus other real estate owned to assets2.7539%191
Noncurrent loans to loans5.1345%105
Net loans and leases to total assets53.1991%3,942
Net loans and leases to deposits70.7540%3,365
Net loans and leases to core deposits78.8068%3,041
Total domestic deposits to total assets75.1888%4,499
Equity capital to assets13.5477%972
Core capital (leverage) ratio13.2170%942
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$26,274,6674,960
Average earning assets$25,062,3334,942
Average equity$3,670,0004,922
Average total loans$13,771,3334,889
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5764%4,551
Cost of funding earning assets1.3472%489
Net interest margin2.2293%4,947
Noninterest income to average assets0.3065%3,680
Noninterest expense to average assets3.3865%1,086
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets-0.9501%4,981
Return on assets (ROA)-0.9501%4,963
Pretax return on assets-0.9501%4,950
Return on Equity (ROE)-6.6991%4,959
Retained earnings to average equity (ytd only)-6.6991%4,628
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio138.9937%69
Assets per employee ($millions)4.3758%3,438
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.8422%4,301
Loan loss allowance to noncurrent loans14.9871%4,539
Noncurrent assets plus other real estate owned to assets2.9480%201
Noncurrent loans to loans5.6193%93
Net loans and leases to total assets52.0206%4,112
Net loans and leases to deposits69.8905%3,601
Net loans and leases to core deposits75.8525%3,504
Total domestic deposits to total assets74.4315%4,629
Equity capital to assets13.9821%1,066
Core capital (leverage) ratio13.7305%977
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$26,103,5005,008
Average earning assets$24,941,0004,987
Average equity$3,702,0004,964
Average total loans$13,519,0004,935
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8196%4,537
Cost of funding earning assets1.3291%707
Net interest margin2.4905%4,973
Noninterest income to average assets0.1953%4,491
Noninterest expense to average assets3.2182%1,478
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets-0.6444%5,063
Return on assets (ROA)-0.6444%5,071
Pretax return on assets-0.6444%5,069
Return on Equity (ROE)-4.3182%5,067
Retained earnings to average equity (ytd only)-4.3182%4,958
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio125.0379%67
Assets per employee ($millions)4.3253%3,471
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.8745%4,068
Loan loss allowance to noncurrent loans13.8756%4,569
Noncurrent assets plus other real estate owned to assets3.3523%142
Noncurrent loans to loans6.3028%60
Net loans and leases to total assets50.6628%4,298
Net loans and leases to deposits68.6795%3,760
Net loans and leases to core deposits76.8080%3,529
Total domestic deposits to total assets73.7670%4,781
Equity capital to assets14.3842%970
Core capital (leverage) ratio14.0500%917
Tier 1 risk-based capital ratio34.5956%339
Total risk-based capital ratio35.7020%335
Memoranda:
Average total assets$25,604,0005,069
Average earning assets$24,452,6005,048
Average equity$3,821,0005,007
Average total loans$12,898,4005,009
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8474%4,613
Cost of funding earning assets1.3062%770
Net interest margin2.5412%5,040
Noninterest income to average assets0.1829%4,630
Noninterest expense to average assets3.1037%1,704
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets-0.4912%5,135
Return on assets (ROA)-0.4912%5,143
Pretax return on assets-0.4912%5,137
Return on Equity (ROE)-3.2613%5,141
Retained earnings to average equity (ytd only)-3.2613%5,003
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio118.8000%83
Assets per employee ($millions)5.2312%2,303
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.9060%4,016
Loan loss allowance to noncurrent loans14.8338%4,651
Noncurrent assets plus other real estate owned to assets3.1197%174
Noncurrent loans to loans6.1075%71
Net loans and leases to total assets48.5089%4,496
Net loans and leases to deposits65.6967%4,087
Net loans and leases to core deposits74.4557%3,801
Total domestic deposits to total assets73.8377%4,824
Equity capital to assets14.4900%983
Core capital (leverage) ratio14.8349%776
Tier 1 risk-based capital ratio37.2269%296
Total risk-based capital ratio38.3949%294
Memoranda:
Average total assets$25,517,0005,147
Average earning assets$24,396,7505,125
Average equity$3,843,0005,077
Average total loans$12,807,0005,093
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0227%4,332
Cost of funding earning assets1.2995%739
Net interest margin2.7232%4,985
Noninterest income to average assets0.1739%4,710
Noninterest expense to average assets3.1378%1,641
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets-0.3636%5,174
Return on assets (ROA)-0.3636%5,179
Pretax return on assets-0.3636%5,176
Return on Equity (ROE)-2.3830%5,172
Retained earnings to average equity (ytd only)-2.3830%4,938
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio113.1054%90
Assets per employee ($millions)4.8892%2,616
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.9245%3,987
Loan loss allowance to noncurrent loans48.3333%4,230
Noncurrent assets plus other real estate owned to assets0.9818%1,416
Noncurrent loans to loans1.9127%766
Net loans and leases to total assets50.8549%4,421
Net loans and leases to deposits63.5420%4,248
Net loans and leases to core deposits70.8215%4,072
Total domestic deposits to total assets80.0335%4,032
Equity capital to assets15.6999%670
Core capital (leverage) ratio15.1890%672
Tier 1 risk-based capital ratio37.7102%279
Total risk-based capital ratio38.8783%279
Memoranda:
Average total assets$25,304,0005,196
Average earning assets$24,163,0005,174
Average equity$3,860,6705,116
Average total loans$12,808,0005,139
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9913%4,387
Cost of funding earning assets1.2544%756
Net interest margin2.7369%5,040
Noninterest income to average assets0.1244%4,987
Noninterest expense to average assets3.0622%1,826
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets-0.3264%5,230
Return on assets (ROA)-0.3264%5,226
Pretax return on assets-0.3264%5,220
Return on Equity (ROE)-2.1694%5,220
Retained earnings to average equity (ytd only)-2.1694%4,757
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio111.9318%96
Assets per employee ($millions)5.1144%2,384
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.8967%4,172
Loan loss allowance to noncurrent loans18.0967%4,741
Noncurrent assets plus other real estate owned to assets2.5066%310
Noncurrent loans to loans4.9548%114
Net loans and leases to total assets50.1369%4,460
Net loans and leases to deposits65.5236%4,092
Net loans and leases to core deposits72.9917%3,867
Total domestic deposits to total assets76.5173%4,709
Equity capital to assets15.1064%736
Core capital (leverage) ratio14.8560%730
Tier 1 risk-based capital ratio36.5345%292
Total risk-based capital ratio37.6587%289
Memoranda:
Average total assets$25,733,0005,246
Average earning assets$24,553,5005,219
Average equity$3,872,0005,166
Average total loans$12,938,0005,193
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8949%4,285
Cost of funding earning assets1.0228%690
Net interest margin2.8721%4,947
Noninterest income to average assets0.1944%4,739
Noninterest expense to average assets3.1759%1,611
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets-0.2527%5,279
Return on assets (ROA)-0.2527%5,276
Pretax return on assets-0.2527%5,274
Return on Equity (ROE)-1.6644%5,268
Retained earnings to average equity (ytd only)-1.6644%5,110
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio108.6436%90
Assets per employee ($millions)5.1788%2,292
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.8965%4,184
Loan loss allowance to noncurrent loans65.9091%4,004
Noncurrent assets plus other real estate owned to assets0.6797%2,026
Noncurrent loans to loans1.3602%1,148
Net loans and leases to total assets49.5211%4,558
Net loans and leases to deposits66.1662%4,109
Net loans and leases to core deposits70.7086%4,081
Total domestic deposits to total assets74.8436%4,885
Equity capital to assets14.9880%712
Core capital (leverage) ratio14.7341%749
Tier 1 risk-based capital ratio37.4567%266
Total risk-based capital ratio38.6038%267
Memoranda:
Average total assets$25,725,2005,290
Average earning assets$24,442,0005,270
Average equity$3,905,2005,192
Average total loans$12,994,8005,233
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8657%4,289
Cost of funding earning assets0.9733%668
Net interest margin2.8924%4,983
Noninterest income to average assets0.1973%4,794
Noninterest expense to average assets3.0785%1,817
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets-0.1350%5,337
Return on assets (ROA)-0.1350%5,335
Pretax return on assets-0.1350%5,334
Return on Equity (ROE)-0.8864%5,330
Retained earnings to average equity (ytd only)-0.8864%5,128
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio104.5855%107
Assets per employee ($millions)5.1120%2,326
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.8781%4,347
Loan loss allowance to noncurrent loans64.4444%4,111
Noncurrent assets plus other real estate owned to assets0.7042%2,091
Noncurrent loans to loans1.3626%1,224
Net loans and leases to total assets51.2285%4,517
Net loans and leases to deposits67.0937%4,119
Net loans and leases to core deposits70.6752%4,148
Total domestic deposits to total assets76.3537%4,750
Equity capital to assets15.2621%669
Core capital (leverage) ratio14.8928%724
Tier 1 risk-based capital ratio36.4998%289
Total risk-based capital ratio37.6061%286
Memoranda:
Average total assets$25,683,0005,360
Average earning assets$24,385,0005,339
Average equity$3,911,2505,257
Average total loans$13,008,7505,300
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8556%4,200
Cost of funding earning assets0.9352%625
Net interest margin2.9204%4,987
Noninterest income to average assets0.1866%4,891
Noninterest expense to average assets3.1099%1,761
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets-0.1555%5,389
Return on assets (ROA)-0.1555%5,386
Pretax return on assets-0.1555%5,385
Return on Equity (ROE)-1.0218%5,377
Retained earnings to average equity (ytd only)-1.0218%5,070
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio105.2632%118
Assets per employee ($millions)5.2256%2,171
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.8981%4,348
Loan loss allowance to noncurrent loans64.4444%4,110
Noncurrent assets plus other real estate owned to assets0.6889%2,168
Noncurrent loans to loans1.3936%1,215
Net loans and leases to total assets48.9896%4,660
Net loans and leases to deposits63.4606%4,321
Net loans and leases to core deposits66.7153%4,327
Total domestic deposits to total assets77.1969%4,709
Equity capital to assets14.9533%695
Core capital (leverage) ratio14.5427%771
Tier 1 risk-based capital ratio36.2139%299
Total risk-based capital ratio37.3314%293
Memoranda:
Average total assets$25,724,0005,422
Average earning assets$24,380,3305,398
Average equity$3,914,6705,315
Average total loans$12,941,6705,360
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8344%4,124
Cost of funding earning assets0.9090%570
Net interest margin2.9254%4,988
Noninterest income to average assets0.1724%4,989
Noninterest expense to average assets3.2129%1,538
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets-0.2664%5,464
Return on assets (ROA)-0.2664%5,459
Pretax return on assets-0.2664%5,459
Return on Equity (ROE)-1.7354%5,445
Retained earnings to average equity (ytd only)-1.7354%4,985
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio109.0426%107
Assets per employee ($millions)5.1892%2,263
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.8768%4,544
Loan loss allowance to noncurrent loans64.4444%4,120
Noncurrent assets plus other real estate owned to assets0.7477%2,079
Noncurrent loans to loans1.3605%1,316
Net loans and leases to total assets50.5434%4,519
Net loans and leases to deposits65.7739%4,106
Net loans and leases to core deposits69.1156%4,139
Total domestic deposits to total assets76.8442%4,876
Equity capital to assets15.0698%654
Core capital (leverage) ratio14.7114%710
Tier 1 risk-based capital ratio36.2393%298
Total risk-based capital ratio37.3567%298
Memoranda:
Average total assets$25,522,0005,487
Average earning assets$24,202,0005,462
Average equity$3,918,5005,369
Average total loans$12,954,5005,425
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8141%4,004
Cost of funding earning assets0.8038%604
Net interest margin3.0103%4,861
Noninterest income to average assets0.2170%4,856
Noninterest expense to average assets3.1116%1,826
Loan and lease loss provision to assets0.0891%2,406
Net operating income to assets-0.3216%5,484
Return on assets (ROA)-0.3216%5,482
Pretax return on assets-0.1395%5,480
Return on Equity (ROE)-2.1057%5,463
Retained earnings to average equity (ytd only)-2.1057%5,290
Net charge-offs to loans1.3436%122
Credit loss provision to net charge-offs13.1429%3,651
Earnings coverage of net charge-offs (x)-0.0743%4,020
Efficiency ratio101.6456%153
Assets per employee ($millions)5.0196%2,453
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.9149%4,393
Loan loss allowance to noncurrent loans106.4220%3,408
Noncurrent assets plus other real estate owned to assets0.4901%2,925
Noncurrent loans to loans0.8597%2,078
Net loans and leases to total assets50.0558%4,644
Net loans and leases to deposits66.3060%4,163
Net loans and leases to core deposits69.8527%4,184
Total domestic deposits to total assets75.4921%5,031
Equity capital to assets15.6467%559
Core capital (leverage) ratio15.2140%587
Tier 1 risk-based capital ratio37.6170%262
Total risk-based capital ratio38.7717%257
Memoranda:
Average total assets$25,806,6005,538
Average earning assets$24,383,2005,517
Average equity$3,941,6005,429
Average total loans$13,024,6005,485
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7701%4,102
Cost of funding earning assets0.7931%602
Net interest margin2.9770%4,968
Noninterest income to average assets0.2309%4,830
Noninterest expense to average assets3.0377%2,009
Loan and lease loss provision to assets0.1180%1,834
Net operating income to assets-0.1129%5,556
Return on assets (ROA)-0.1129%5,560
Pretax return on assets-0.1129%5,549
Return on Equity (ROE)-0.7434%5,548
Retained earnings to average equity (ytd only)-0.7434%5,322
Net charge-offs to loans1.7797%84
Credit loss provision to net charge-offs13.1429%3,202
Earnings coverage of net charge-offs (x)0.0057%3,693
Efficiency ratio99.8314%181
Assets per employee ($millions)5.0360%2,410
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.9277%4,437
Loan loss allowance to noncurrent loans44.7876%4,645
Noncurrent assets plus other real estate owned to assets1.0842%1,539
Noncurrent loans to loans2.0713%810
Net loans and leases to total assets49.1978%4,755
Net loans and leases to deposits63.8688%4,388
Net loans and leases to core deposits66.2921%4,464
Total domestic deposits to total assets77.0294%4,886
Equity capital to assets15.8380%571
Core capital (leverage) ratio14.7830%703
Tier 1 risk-based capital ratio38.5114%242
Total risk-based capital ratio39.7039%239
Memoranda:
Average total assets$25,983,7505,598
Average earning assets$24,543,2505,579
Average equity$3,945,2505,488
Average total loans$13,111,0005,547
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7906%3,926
Cost of funding earning assets0.7807%576
Net interest margin3.0099%4,892
Noninterest income to average assets0.2133%4,979
Noninterest expense to average assets3.0246%2,054
Loan and lease loss provision to assets0.0305%3,393
Net operating income to assets0.0076%5,550
Return on assets (ROA)0.0076%5,552
Pretax return on assets0.0076%5,546
Return on Equity (ROE)0.0509%5,550
Retained earnings to average equity (ytd only)0.0509%5,060
Net charge-offs to loans2.6289%55
Credit loss provision to net charge-offs2.2857%2,893
Earnings coverage of net charge-offs (x)0.0286%3,410
Efficiency ratio98.7562%204
Assets per employee ($millions)5.1824%2,175
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.7622%5,045
Loan loss allowance to noncurrent loans86.6071%3,819
Noncurrent assets plus other real estate owned to assets0.4863%3,146
Noncurrent loans to loans0.8800%2,218
Net loans and leases to total assets48.7419%4,781
Net loans and leases to deposits62.8202%4,443
Net loans and leases to core deposits67.5546%4,372
Total domestic deposits to total assets77.5895%4,882
Equity capital to assets15.1706%678
Core capital (leverage) ratio14.7769%684
Tier 1 risk-based capital ratio35.0633%304
Total risk-based capital ratio35.9465%307
Memoranda:
Average total assets$26,251,6705,644
Average earning assets$24,851,0005,621
Average equity$3,931,0005,531
Average total loans$13,313,3305,589
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8663%3,523
Cost of funding earning assets0.7669%592
Net interest margin3.0994%4,651
Noninterest income to average assets0.2574%4,694
Noninterest expense to average assets3.1944%1,625
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.0000%5,603
Return on assets (ROA)0.0000%5,610
Pretax return on assets0.0000%5,599
Return on Equity (ROE)0.0000%5,609
Retained earnings to average equity (ytd only)0.0000%4,911
Net charge-offs to loans3.6159%39
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)0.0000%2,852
Efficiency ratio100.0000%222
Assets per employee ($millions)4.4042%3,324
Cash dividends to net income (ytd only)*NANA
Condition Ratios (%)
Loss allowance to loans1.0806%3,822
Loan loss allowance to noncurrent loans92.9487%3,738
Noncurrent assets plus other real estate owned to assets0.6433%2,706
Noncurrent loans to loans1.1625%1,747
Net loans and leases to total assets50.2327%4,655
Net loans and leases to deposits64.5309%4,278
Net loans and leases to core deposits69.2436%4,204
Total domestic deposits to total assets77.8430%4,986
Equity capital to assets14.8723%681
Core capital (leverage) ratio14.6544%677
Tier 1 risk-based capital ratio36.7612%279
Total risk-based capital ratio38.0216%276
Memoranda:
Average total assets$26,421,5005,712
Average earning assets$25,037,0005,684
Average equity$3,931,0005,589
Average total loans$13,606,5005,644
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9591%3,346
Cost of funding earning assets0.8005%508
Net interest margin3.1586%4,569
Noninterest income to average assets0.1761%5,344
Noninterest expense to average assets3.3163%1,542
Loan and lease loss provision to assets0.7495%152
Net operating income to assets-0.8881%5,826
Return on assets (ROA)-0.8881%5,830
Pretax return on assets-0.8881%5,822
Return on Equity (ROE)-5.9277%5,803
Retained earnings to average equity (ytd only)-5.9277%5,705
Net charge-offs to loans0.5202%467
Credit loss provision to net charge-offs273.9726%1,056
Earnings coverage of net charge-offs (x)-0.5068%4,161
Efficiency ratio104.3632%178
Assets per employee ($millions)4.4030%3,273
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.9429%737
Loan loss allowance to noncurrent loans98.1685%3,667
Noncurrent assets plus other real estate owned to assets1.2832%1,383
Noncurrent loans to loans1.9791%913
Net loans and leases to total assets51.1999%4,673
Net loans and leases to deposits65.9773%4,242
Net loans and leases to core deposits69.9126%4,251
Total domestic deposits to total assets77.6024%5,032
Equity capital to assets14.8838%659
Core capital (leverage) ratio14.6003%672
Tier 1 risk-based capital ratio37.4380%264
Total risk-based capital ratio38.7112%258
Memoranda:
Average total assets$26,686,0005,760
Average earning assets$25,359,2005,729
Average equity$3,998,2005,644
Average total loans$14,032,6005,686
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8923%3,611
Cost of funding earning assets0.8068%491
Net interest margin3.0855%4,809
Noninterest income to average assets0.2492%4,975
Noninterest expense to average assets3.2444%1,695
Loan and lease loss provision to assets0.9967%104
Net operating income to assets-1.0566%5,911
Return on assets (ROA)-1.0566%5,911
Pretax return on assets-1.0566%5,903
Return on Equity (ROE)-7.0405%5,885
Retained earnings to average equity (ytd only)-7.0405%5,795
Net charge-offs to loans0.6907%270
Credit loss provision to net charge-offs273.9726%1,119
Earnings coverage of net charge-offs (x)-0.1644%3,831
Efficiency ratio101.8779%199
Assets per employee ($millions)4.4240%3,206
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.9184%831
Loan loss allowance to noncurrent loans98.1685%3,659
Noncurrent assets plus other real estate owned to assets1.2771%1,514
Noncurrent loans to loans1.9542%1,016
Net loans and leases to total assets51.6200%4,684
Net loans and leases to deposits65.1576%4,412
Net loans and leases to core deposits68.9270%4,402
Total domestic deposits to total assets79.2232%4,668
Equity capital to assets14.9073%758
Core capital (leverage) ratio14.6435%692
Tier 1 risk-based capital ratio37.3111%277
Total risk-based capital ratio38.5815%274
Memoranda:
Average total assets$26,753,0005,822
Average earning assets$25,451,2505,789
Average equity$4,014,7505,702
Average total loans$14,092,2505,740
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9445%3,450
Cost of funding earning assets0.8077%475
Net interest margin3.1368%4,735
Noninterest income to average assets0.2386%5,058
Noninterest expense to average assets3.2062%1,795
Loan and lease loss provision to assets1.4913%61
Net operating income to assets-1.4764%5,998
Return on assets (ROA)-1.4764%5,998
Pretax return on assets-1.4764%5,994
Return on Equity (ROE)-9.8166%5,980
Retained earnings to average equity (ytd only)-9.8166%5,878
Net charge-offs to loans1.0330%171
Credit loss provision to net charge-offs273.9726%1,032
Earnings coverage of net charge-offs (x)0.0274%3,560
Efficiency ratio99.5370%250
Assets per employee ($millions)4.4370%3,139
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.9774%771
Loan loss allowance to noncurrent loans97.8102%3,753
Noncurrent assets plus other real estate owned to assets1.2771%1,595
Noncurrent loans to loans2.0217%979
Net loans and leases to total assets49.9023%4,846
Net loans and leases to deposits62.8251%4,585
Net loans and leases to core deposits66.4283%4,577
Total domestic deposits to total assets79.4305%4,687
Equity capital to assets14.9162%747
Core capital (leverage) ratio14.6091%695
Tier 1 risk-based capital ratio37.7291%270
Total risk-based capital ratio38.9896%269
Memoranda:
Average total assets$26,822,6705,892
Average earning assets$25,504,0005,862
Average equity$4,034,0005,757
Average total loans$14,133,0005,809
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8333%3,829
Cost of funding earning assets0.7980%496
Net interest margin3.0353%5,034
Noninterest income to average assets0.1931%5,350
Noninterest expense to average assets3.2983%1,606
Loan and lease loss provision to assets2.9714%21
Net operating income to assets-3.1943%6,094
Return on assets (ROA)-3.1943%6,093
Pretax return on assets-3.1943%6,088
Return on Equity (ROE)-21.1536%6,073
Retained earnings to average equity (ytd only)-21.1536%5,978
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio107.2464%183
Assets per employee ($millions)4.4760%3,112
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans2.4043%438
Loan loss allowance to noncurrent loans71.0417%4,301
Noncurrent assets plus other real estate owned to assets1.9809%885
Noncurrent loans to loans3.3843%421
Net loans and leases to total assets51.5416%4,673
Net loans and leases to deposits64.8489%4,355
Net loans and leases to core deposits68.5214%4,354
Total domestic deposits to total assets79.4794%4,861
Equity capital to assets14.7379%763
Core capital (leverage) ratio14.3541%725
Tier 1 risk-based capital ratio35.1902%328
Total risk-based capital ratio36.4646%324
Memoranda:
Average total assets$26,923,0005,952
Average earning assets$25,565,5005,922
Average equity$4,065,5005,802
Average total loans$14,423,0005,860
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1587%2,709
Cost of funding earning assets0.8411%392
Net interest margin3.3176%4,217
Noninterest income to average assets0.2359%5,182
Noninterest expense to average assets3.3472%1,616
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.0295%5,845
Return on assets (ROA)0.0295%5,871
Pretax return on assets0.0295%5,869
Return on Equity (ROE)0.1918%5,873
Retained earnings to average equity (ytd only)0.1918%5,431
Net charge-offs to loans0.2211%1,339
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)0.2424%4,248
Efficiency ratio99.1266%304
Assets per employee ($millions)4.4983%3,048
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.9616%4,805
Loan loss allowance to noncurrent loans84.9398%4,014
Noncurrent assets plus other real estate owned to assets0.8077%2,649
Noncurrent loans to loans1.1321%2,074
Net loans and leases to total assets53.8051%4,526
Net loans and leases to deposits68.8801%4,037
Net loans and leases to core deposits72.8175%4,059
Total domestic deposits to total assets78.1141%5,144
Equity capital to assets15.4613%603
Core capital (leverage) ratio15.3357%561
Tier 1 risk-based capital ratio35.9119%313
Total risk-based capital ratio37.1389%309
Memoranda:
Average total assets$27,126,8006,001
Average earning assets$25,681,4005,974
Average equity$4,171,4005,825
Average total loans$14,923,8005,897
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1442%2,772
Cost of funding earning assets0.8454%383
Net interest margin3.2988%4,346
Noninterest income to average assets0.2553%5,115
Noninterest expense to average assets3.2840%1,727
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.0933%5,857
Return on assets (ROA)0.0933%5,895
Pretax return on assets0.0933%5,894
Return on Equity (ROE)0.6073%5,910
Retained earnings to average equity (ytd only)0.6073%5,436
Net charge-offs to loans0.2935%909
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)0.5757%3,933
Efficiency ratio97.2384%380
Assets per employee ($millions)4.5390%2,941
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.9499%4,984
Loan loss allowance to noncurrent loans82.4561%4,105
Noncurrent assets plus other real estate owned to assets0.9400%2,511
Noncurrent loans to loans1.1521%2,208
Net loans and leases to total assets53.9840%4,567
Net loans and leases to deposits69.1794%4,078
Net loans and leases to core deposits73.0897%4,097
Total domestic deposits to total assets78.0348%5,177
Equity capital to assets15.3631%670
Core capital (leverage) ratio15.1013%618
Tier 1 risk-based capital ratio34.6427%356
Total risk-based capital ratio35.8364%356
Memoranda:
Average total assets$27,161,0006,084
Average earning assets$25,706,0006,055
Average equity$4,171,0005,905
Average total loans$14,989,0005,973
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0890%2,936
Cost of funding earning assets0.8490%383
Net interest margin3.2400%4,529
Noninterest income to average assets0.3611%4,355
Noninterest expense to average assets3.2797%1,760
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.1474%5,813
Return on assets (ROA)0.1474%5,861
Pretax return on assets0.1474%5,882
Return on Equity (ROE)0.9600%5,908
Retained earnings to average equity (ytd only)0.9600%5,187
Net charge-offs to loans0.2261%1,132
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)1.1765%3,564
Efficiency ratio95.6989%444
Assets per employee ($millions)4.5397%2,921
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.0556%4,570
Loan loss allowance to noncurrent loans436.1111%1,169
Noncurrent assets plus other real estate owned to assets0.5691%3,705
Noncurrent loans to loans0.2420%4,791
Net loans and leases to total assets54.0275%4,553
Net loans and leases to deposits69.3693%3,997
Net loans and leases to core deposits73.2869%4,017
Total domestic deposits to total assets77.8838%5,300
Equity capital to assets15.3425%638
Core capital (leverage) ratio15.3803%562
Tier 1 risk-based capital ratio34.9160%362
Total risk-based capital ratio36.1765%363
Memoranda:
Average total assets$27,136,6706,155
Average earning assets$25,678,6706,119
Average equity$4,166,6705,964
Average total loans$15,037,6706,032
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1593%2,606
Cost of funding earning assets0.8412%397
Net interest margin3.3181%4,143
Noninterest income to average assets0.3249%4,585
Noninterest expense to average assets3.4261%1,441
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.0443%5,962
Return on assets (ROA)0.0443%6,006
Pretax return on assets0.0443%6,003
Return on Equity (ROE)0.2884%6,015
Retained earnings to average equity (ytd only)0.2884%5,279
Net charge-offs to loans0.4497%551
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)0.1765%3,093
Efficiency ratio98.7234%408
Assets per employee ($millions)4.4647%3,111
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.0516%4,753
Loan loss allowance to noncurrent loans436.1111%1,130
Noncurrent assets plus other real estate owned to assets0.5786%3,747
Noncurrent loans to loans0.2411%4,917
Net loans and leases to total assets55.1478%4,300
Net loans and leases to deposits71.4500%3,597
Net loans and leases to core deposits75.5845%3,635
Total domestic deposits to total assets77.1838%5,585
Equity capital to assets15.5368%613
Core capital (leverage) ratio15.3103%564
Tier 1 risk-based capital ratio34.2103%387
Total risk-based capital ratio35.4552%381
Memoranda:
Average total assets$27,086,0006,222
Average earning assets$25,677,5006,182
Average equity$4,160,5006,019
Average total loans$15,120,0006,082
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2367%2,825
Cost of funding earning assets0.8633%473
Net interest margin3.3734%4,312
Noninterest income to average assets0.3237%4,802
Noninterest expense to average assets3.1871%2,245
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.3273%5,448
Return on assets (ROA)0.3273%5,517
Pretax return on assets0.3273%5,651
Return on Equity (ROE)2.2129%5,718
Retained earnings to average equity (ytd only)2.2129%4,674
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.6858%805
Assets per employee ($millions)4.5640%2,933
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.1365%4,356
Loan loss allowance to noncurrent loans483.3333%1,095
Noncurrent assets plus other real estate owned to assets0.7340%3,373
Noncurrent loans to loans0.2351%4,988
Net loans and leases to total assets55.2732%4,412
Net loans and leases to deposits71.0544%3,783
Net loans and leases to core deposits75.0235%3,821
Total domestic deposits to total assets77.7900%5,470
Equity capital to assets15.1877%673
Core capital (leverage) ratio15.1877%577
Tier 1 risk-based capital ratio37.2537%278
Total risk-based capital ratio38.5077%271
Memoranda:
Average total assets$27,799,8006,295
Average earning assets$26,294,0006,257
Average equity$4,112,2006,069
Average total loans$15,653,0006,141
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2689%2,752
Cost of funding earning assets0.8295%596
Net interest margin3.4394%4,071
Noninterest income to average assets0.2724%5,267
Noninterest expense to average assets3.1441%2,338
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.3775%5,330
Return on assets (ROA)0.3775%5,410
Pretax return on assets0.3775%5,632
Return on Equity (ROE)2.5687%5,691
Retained earnings to average equity (ytd only)2.5687%4,756
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.2809%895
Assets per employee ($millions)4.6438%2,743
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.1168%4,674
Loan loss allowance to noncurrent loans395.4545%1,202
Noncurrent assets plus other real estate owned to assets0.8470%3,298
Noncurrent loans to loans0.2824%5,064
Net loans and leases to total assets55.2920%4,423
Net loans and leases to deposits72.5500%3,620
Net loans and leases to core deposits76.6048%3,678
Total domestic deposits to total assets76.2122%5,785
Equity capital to assets14.8835%756
Core capital (leverage) ratio14.8835%639
Tier 1 risk-based capital ratio36.7674%305
Total risk-based capital ratio38.0264%298
Memoranda:
Average total assets$27,903,7506,367
Average earning assets$26,360,5006,332
Average equity$4,100,5006,139
Average total loans$15,738,7506,205
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2967%2,589
Cost of funding earning assets0.8365%593
Net interest margin3.4602%3,938
Noninterest income to average assets0.2937%5,070
Noninterest expense to average assets3.2310%2,098
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.3224%5,487
Return on assets (ROA)0.3224%5,564
Pretax return on assets0.3224%5,741
Return on Equity (ROE)2.2032%5,793
Retained earnings to average equity (ytd only)2.2032%4,789
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.9274%838
Assets per employee ($millions)4.5967%2,773
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.0985%4,914
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6962%3,891
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets56.8020%4,142
Net loans and leases to deposits74.8674%3,213
Net loans and leases to core deposits79.1052%3,311
Total domestic deposits to total assets75.8702%5,924
Equity capital to assets14.9130%719
Core capital (leverage) ratio14.9130%620
Tier 1 risk-based capital ratio34.7646%354
Total risk-based capital ratio35.9564%350
Memoranda:
Average total assets$27,917,3306,429
Average earning assets$26,299,3306,391
Average equity$4,085,0006,182
Average total loans$15,791,6706,257
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3527%2,314
Cost of funding earning assets0.8645%546
Net interest margin3.4882%3,748
Noninterest income to average assets0.2279%5,528
Noninterest expense to average assets3.4181%1,653
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.0855%6,062
Return on assets (ROA)0.0855%6,087
Pretax return on assets0.0855%6,102
Return on Equity (ROE)0.5895%6,123
Retained earnings to average equity (ytd only)0.5895%5,347
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.5610%563
Assets per employee ($millions)4.6668%2,713
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1043%5,097
Loan loss allowance to noncurrent loans294.9153%1,508
Noncurrent assets plus other real estate owned to assets1.4892%2,369
Noncurrent loans to loans0.3745%5,004
Net loans and leases to total assets55.6480%4,189
Net loans and leases to deposits71.5328%3,402
Net loans and leases to core deposits75.4029%3,476
Total domestic deposits to total assets77.7937%5,856
Equity capital to assets14.5495%777
Core capital (leverage) ratio14.5495%689
Tier 1 risk-based capital ratio33.6416%396
Total risk-based capital ratio34.8472%392
Memoranda:
Average total assets$28,086,0006,493
Average earning assets$26,374,5006,457
Average equity$4,071,0006,233
Average total loans$15,767,5006,316
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1597%3,501
Cost of funding earning assets0.9426%597
Net interest margin3.2171%4,940
Noninterest income to average assets0.2223%5,747
Noninterest expense to average assets3.1666%2,527
Loan and lease loss provision to assets0.4446%654
Net operating income to assets-0.3659%6,445
Return on assets (ROA)-0.3659%6,459
Pretax return on assets-0.3659%6,443
Return on Equity (ROE)-2.5610%6,402
Retained earnings to average equity (ytd only)-2.5610%6,225
Net charge-offs to loans0.8866%690
Credit loss provision to net charge-offs89.6552%2,769
Earnings coverage of net charge-offs (x)0.1586%5,027
Efficiency ratio97.5764%558
Assets per employee ($millions)4.6952%2,596
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.1027%5,133
Loan loss allowance to noncurrent loans79.0909%4,205
Noncurrent assets plus other real estate owned to assets3.0137%1,046
Noncurrent loans to loans1.3943%2,803
Net loans and leases to total assets55.3938%4,400
Net loans and leases to deposits69.6527%3,823
Net loans and leases to core deposits71.2655%4,154
Total domestic deposits to total assets79.5286%5,541
Equity capital to assets14.4404%796
Core capital (leverage) ratio14.4404%702
Tier 1 risk-based capital ratio35.7532%303
Total risk-based capital ratio37.0012%297
Memoranda:
Average total assets$29,243,0006,536
Average earning assets$27,478,0006,497
Average equity$4,178,0006,287
Average total loans$16,354,4006,358
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1679%3,497
Cost of funding earning assets0.9470%655
Net interest margin3.2209%4,930
Noninterest income to average assets0.2304%5,782
Noninterest expense to average assets3.1852%2,408
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.0723%6,186
Return on assets (ROA)0.0723%6,242
Pretax return on assets0.0723%6,234
Return on Equity (ROE)0.5072%6,268
Retained earnings to average equity (ytd only)0.5072%5,764
Net charge-offs to loans0.2020%2,619
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)0.6400%4,639
Efficiency ratio97.7809%535
Assets per employee ($millions)4.8167%2,416
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.9947%5,755
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.5882%2,557
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets56.4810%4,249
Net loans and leases to deposits71.2795%3,601
Net loans and leases to core deposits72.8901%3,987
Total domestic deposits to total assets79.2388%5,689
Equity capital to assets14.5640%804
Core capital (leverage) ratio14.5640%720
Tier 1 risk-based capital ratio37.3934%275
Total risk-based capital ratio38.6816%275
Memoranda:
Average total assets$29,511,0006,597
Average earning assets$27,734,7506,571
Average equity$4,205,5006,353
Average total loans$16,498,2506,414
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0988%3,739
Cost of funding earning assets0.9619%668
Net interest margin3.1369%5,168
Noninterest income to average assets0.3096%5,230
Noninterest expense to average assets3.0423%2,867
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.2087%5,866
Return on assets (ROA)0.2087%5,999
Pretax return on assets0.2087%6,069
Return on Equity (ROE)1.4747%6,101
Retained earnings to average equity (ytd only)1.4747%5,282
Net charge-offs to loans0.3030%1,973
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)1.2400%4,132
Efficiency ratio93.5818%781
Assets per employee ($millions)4.9377%2,181
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.0044%5,799
Loan loss allowance to noncurrent loans52.5641%5,093
Noncurrent assets plus other real estate owned to assets3.3518%1,168
Noncurrent loans to loans1.9108%2,493
Net loans and leases to total assets54.5602%4,512
Net loans and leases to deposits70.0924%3,703
Net loans and leases to core deposits70.8761%4,177
Total domestic deposits to total assets77.8404%6,006
Equity capital to assets14.2577%889
Core capital (leverage) ratio14.2577%758
Tier 1 risk-based capital ratio36.0102%303
Total risk-based capital ratio37.2464%299
Memoranda:
Average total assets$29,714,6706,643
Average earning assets$27,861,6706,616
Average equity$4,204,3306,405
Average total loans$16,502,0006,455
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2578%3,068
Cost of funding earning assets0.9892%651
Net interest margin3.2686%4,637
Noninterest income to average assets0.1882%6,129
Noninterest expense to average assets3.2259%2,277
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.0269%6,299
Return on assets (ROA)0.0269%6,379
Pretax return on assets0.0269%6,373
Return on Equity (ROE)0.1907%6,390
Retained earnings to average equity (ytd only)0.1907%5,720
Net charge-offs to loans0.6028%1,013
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)0.0800%3,793
Efficiency ratio99.1736%575
Assets per employee ($millions)4.9105%2,329
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.9961%5,995
Loan loss allowance to noncurrent loans40.6948%5,578
Noncurrent assets plus other real estate owned to assets3.9745%1,009
Noncurrent loans to loans2.4476%2,103
Net loans and leases to total assets55.3270%4,196
Net loans and leases to deposits71.4361%3,258
Net loans and leases to core deposits72.2402%3,790
Total domestic deposits to total assets77.4497%6,198
Equity capital to assets14.2416%955
Core capital (leverage) ratio14.2416%733
Tier 1 risk-based capital ratio35.3943%334
Total risk-based capital ratio36.7271%327
Memoranda:
Average total assets$29,759,0006,716
Average earning assets$27,902,0006,677
Average equity$4,194,5006,468
Average total loans$16,589,0006,502
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3872%3,867
Cost of funding earning assets1.2126%545
Net interest margin3.1746%5,632
Noninterest income to average assets0.2677%5,542
Noninterest expense to average assets3.2885%2,377
Loan and lease loss provision to assets0.1976%3,161
Net operating income to assets-0.2485%6,409
Return on assets (ROA)-0.2485%6,470
Pretax return on assets-0.2485%6,452
Return on Equity (ROE)-1.8780%6,447
Retained earnings to average equity (ytd only)-1.8780%6,145
Net charge-offs to loans0.3385%2,943
Credit loss provision to net charge-offs103.3333%2,901
Earnings coverage of net charge-offs (x)-0.2667%5,600
Efficiency ratio101.5748%503
Assets per employee ($millions)5.0092%2,220
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.1309%5,440
Loan loss allowance to noncurrent loans86.6972%3,711
Noncurrent assets plus other real estate owned to assets3.0710%1,533
Noncurrent loans to loans1.3044%3,655
Net loans and leases to total assets54.9792%4,452
Net loans and leases to deposits70.7272%3,597
Net loans and leases to core deposits71.5015%4,102
Total domestic deposits to total assets77.7342%6,119
Equity capital to assets13.9511%1,069
Core capital (leverage) ratio13.9511%817
Tier 1 risk-based capital ratio34.4507%352
Total risk-based capital ratio35.6750%351
Memoranda:
Average total assets$31,382,2006,722
Average earning assets$29,358,2006,680
Average equity$4,153,4006,533
Average total loans$17,725,6006,522
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4268%3,937
Cost of funding earning assets1.2642%522
Net interest margin3.1626%5,793
Noninterest income to average assets0.2606%5,702
Noninterest expense to average assets3.3255%2,205
Loan and lease loss provision to assets0.2606%2,493
Net operating income to assets-0.3700%6,633
Return on assets (ROA)-0.3700%6,676
Pretax return on assets-0.3700%6,643
Return on Equity (ROE)-2.8317%6,616
Retained earnings to average equity (ytd only)-2.8317%6,467
Net charge-offs to loans0.4450%2,326
Credit loss provision to net charge-offs103.3333%2,850
Earnings coverage of net charge-offs (x)-0.4334%5,479
Efficiency ratio103.3987%434
Assets per employee ($millions)5.1270%2,013
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.0812%5,791
Loan loss allowance to noncurrent loans86.3014%3,642
Noncurrent assets plus other real estate owned to assets3.0037%1,741
Noncurrent loans to loans1.2529%3,962
Net loans and leases to total assets56.2090%4,416
Net loans and leases to deposits70.4260%3,838
Net loans and leases to core deposits71.9439%4,259
Total domestic deposits to total assets79.8128%5,706
Equity capital to assets13.3281%1,426
Core capital (leverage) ratio13.3281%1,062
Tier 1 risk-based capital ratio33.4176%400
Total risk-based capital ratio34.7135%393
Memoranda:
Average total assets$31,714,0006,800
Average earning assets$29,637,0006,760
Average equity$4,143,5006,612
Average total loans$17,978,7506,599
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4411%4,024
Cost of funding earning assets1.3196%478
Net interest margin3.1215%5,942
Noninterest income to average assets0.2872%5,512
Noninterest expense to average assets3.2718%2,384
Loan and lease loss provision to assets0.2310%2,767
Net operating income to assets-0.3060%6,621
Return on assets (ROA)-0.3060%6,679
Pretax return on assets-0.3060%6,644
Return on Equity (ROE)-2.3569%6,637
Retained earnings to average equity (ytd only)-2.3569%6,396
Net charge-offs to loans0.3527%2,605
Credit loss provision to net charge-offs115.6250%2,375
Earnings coverage of net charge-offs (x)-0.3750%5,205
Efficiency ratio102.3438%483
Assets per employee ($millions)5.2215%1,905
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.0603%5,923
Loan loss allowance to noncurrent loans45.7143%5,345
Noncurrent assets plus other real estate owned to assets3.5271%1,510
Noncurrent loans to loans2.3194%2,578
Net loans and leases to total assets57.1866%4,300
Net loans and leases to deposits71.5810%3,677
Net loans and leases to core deposits72.3470%4,258
Total domestic deposits to total assets79.8908%5,766
Equity capital to assets13.2114%1,426
Core capital (leverage) ratio13.2114%1,090
Tier 1 risk-based capital ratio27.0664%723
Total risk-based capital ratio28.3220%708
Memoranda:
Average total assets$32,031,3306,842
Average earning assets$29,857,3306,798
Average equity$4,158,0006,639
Average total loans$18,145,0006,640
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4634%4,056
Cost of funding earning assets1.4389%367
Net interest margin3.0244%6,238
Noninterest income to average assets0.2718%5,699
Noninterest expense to average assets3.5081%1,751
Loan and lease loss provision to assets0.0741%4,473
Net operating income to assets-0.5064%6,829
Return on assets (ROA)-0.5064%6,857
Pretax return on assets-0.5064%6,831
Return on Equity (ROE)-3.9352%6,805
Retained earnings to average equity (ytd only)-3.9352%6,488
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio114.0562%286
Assets per employee ($millions)4.5924%2,823
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.0594%6,048
Loan loss allowance to noncurrent loans36.6920%5,816
Noncurrent assets plus other real estate owned to assets4.1155%1,334
Noncurrent loans to loans2.8874%2,234
Net loans and leases to total assets56.0674%4,367
Net loans and leases to deposits71.5266%3,502
Net loans and leases to core deposits73.0219%4,020
Total domestic deposits to total assets78.3868%6,211
Equity capital to assets12.9001%1,486
Core capital (leverage) ratio12.9001%1,160
Tier 1 risk-based capital ratio26.0114%803
Total risk-based capital ratio27.0589%803
Memoranda:
Average total assets$32,382,5006,881
Average earning assets$30,022,0006,847
Average equity$4,167,5006,675
Average total loans$18,163,5006,700
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0177%2,800
Cost of funding earning assets1.8353%188
Net interest margin3.1824%6,150
Noninterest income to average assets0.3398%5,099
Noninterest expense to average assets4.0094%1,026
Loan and lease loss provision to assets0.0685%5,755
Net operating income to assets-0.9138%6,704
Return on assets (ROA)-0.9138%6,731
Pretax return on assets-0.8710%6,673
Return on Equity (ROE)-7.2674%6,646
Retained earnings to average equity (ytd only)-7.2674%6,587
Net charge-offs to loans0.4638%3,134
Credit loss provision to net charge-offs26.6667%5,834
Earnings coverage of net charge-offs (x)-3.1222%6,328
Efficiency ratio125.0223%266
Assets per employee ($millions)4.6597%2,672
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.0326%6,059
Loan loss allowance to noncurrent loans95.8974%3,146
Noncurrent assets plus other real estate owned to assets3.3264%1,785
Noncurrent loans to loans1.0768%4,555
Net loans and leases to total assets54.9482%4,889
Net loans and leases to deposits70.0117%4,099
Net loans and leases to core deposits73.3978%4,322
Total domestic deposits to total assets78.4843%6,098
Equity capital to assets12.8395%1,579
Core capital (leverage) ratio12.8395%1,204
Tier 1 risk-based capital ratio24.0441%965
Total risk-based capital ratio25.1177%963
Memoranda:
Average total assets$35,017,8006,829
Average earning assets$31,548,2006,822
Average equity$4,403,2006,629
Average total loans$19,407,0006,687
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1023%2,599
Cost of funding earning assets1.8633%203
Net interest margin3.2389%6,049
Noninterest income to average assets0.0337%7,005
Noninterest expense to average assets3.7509%1,398
Loan and lease loss provision to assets0.0674%5,611
Net operating income to assets-0.9321%6,853
Return on assets (ROA)-0.9321%6,893
Pretax return on assets-0.8759%6,821
Return on Equity (ROE)-7.4487%6,790
Retained earnings to average equity (ytd only)-7.4487%6,732
Net charge-offs to loans0.1014%4,979
Credit loss provision to net charge-offs120.0000%2,704
Earnings coverage of net charge-offs (x)-14.3995%6,143
Efficiency ratio127.4809%246
Assets per employee ($millions)5.0673%2,107
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.9444%6,466
Loan loss allowance to noncurrent loans33.3333%6,065
Noncurrent assets plus other real estate owned to assets3.3295%1,907
Noncurrent loans to loans2.8331%2,459
Net loans and leases to total assets53.5226%5,237
Net loans and leases to deposits72.3541%3,930
Net loans and leases to core deposits74.2414%4,421
Total domestic deposits to total assets73.9731%6,765
Equity capital to assets12.0070%2,246
Core capital (leverage) ratio12.0070%1,703
Tier 1 risk-based capital ratio23.0565%1,142
Total risk-based capital ratio24.0364%1,153
Memoranda:
Average total assets$35,617,7506,868
Average earning assets$31,985,0006,871
Average equity$4,457,0006,661
Average total loans$19,731,2506,740
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2085%2,227
Cost of funding earning assets1.8579%252
Net interest margin3.3505%5,708
Noninterest income to average assets0.1682%6,457
Noninterest expense to average assets2.9888%3,689
Loan and lease loss provision to assets0.0673%5,467
Net operating income to assets0.1458%5,896
Return on assets (ROA)0.1458%5,990
Pretax return on assets0.1458%6,027
Return on Equity (ROE)1.1497%6,048
Retained earnings to average equity (ytd only)1.1497%5,403
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.3450%1,020
Assets per employee ($millions)5.1790%1,899
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.9626%6,472
Loan loss allowance to noncurrent loans40.7725%5,599
Noncurrent assets plus other real estate owned to assets3.7045%1,756
Noncurrent loans to loans2.3608%3,030
Net loans and leases to total assets53.9238%5,305
Net loans and leases to deposits76.0750%3,455
Net loans and leases to core deposits78.1023%4,044
Total domestic deposits to total assets70.8824%7,065
Equity capital to assets12.5066%1,776
Core capital (leverage) ratio12.5066%1,353
Tier 1 risk-based capital ratio24.8071%920
Total risk-based capital ratio25.8467%926
Memoranda:
Average total assets$35,666,6706,929
Average earning assets$32,293,6706,927
Average equity$4,523,0006,674
Average total loans$19,919,6706,793
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3817%1,638
Cost of funding earning assets1.8980%253
Net interest margin3.4837%5,083
Noninterest income to average assets0.1809%6,427
Noninterest expense to average assets3.0531%3,446
Loan and lease loss provision to assets0.0678%5,144
Net operating income to assets0.2149%5,735
Return on assets (ROA)0.2149%5,798
Pretax return on assets0.2149%5,903
Return on Equity (ROE)1.6823%5,917
Retained earnings to average equity (ytd only)1.6823%5,112
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.5254%1,198
Assets per employee ($millions)5.0686%2,069
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.9186%6,650
Loan loss allowance to noncurrent loans55.5891%4,671
Noncurrent assets plus other real estate owned to assets3.4047%2,003
Noncurrent loans to loans1.6524%4,000
Net loans and leases to total assets55.9386%5,000
Net loans and leases to deposits80.0960%2,708
Net loans and leases to core deposits82.3117%3,414
Total domestic deposits to total assets69.8393%7,186
Equity capital to assets12.7593%1,494
Core capital (leverage) ratio12.7593%1,215
Tier 1 risk-based capital ratio24.6381%917
Total risk-based capital ratio25.6395%917
Memoranda:
Average total assets$35,373,5006,991
Average earning assets$32,034,5006,987
Average equity$4,517,5006,708
Average total loans$20,010,0006,841
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4527%2,468
Cost of funding earning assets2.2992%213
Net interest margin3.1535%6,379
Noninterest income to average assets0.1589%6,586
Noninterest expense to average assets2.7566%4,756
Loan and lease loss provision to assets0.0658%6,486
Net operating income to assets0.1617%5,400
Return on assets (ROA)0.1617%5,559
Pretax return on assets0.2192%5,443
Return on Equity (ROE)1.3141%5,619
Retained earnings to average equity (ytd only)1.3141%4,892
Net charge-offs to loans0.0648%6,146
Credit loss provision to net charge-offs171.4286%1,969
Earnings coverage of net charge-offs (x)7.4286%2,131
Efficiency ratio90.6306%1,274
Assets per employee ($millions)5.0381%2,100
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.8905%6,749
Loan loss allowance to noncurrent loans115.5844%2,523
Noncurrent assets plus other real estate owned to assets2.9830%2,359
Noncurrent loans to loans0.7704%5,507
Net loans and leases to total assets56.1743%5,318
Net loans and leases to deposits77.6537%3,568
Net loans and leases to core deposits82.8773%3,766
Total domestic deposits to total assets72.3396%7,053
Equity capital to assets12.7825%1,491
Core capital (leverage) ratio12.7825%1,206
Tier 1 risk-based capital ratio24.5293%887
Total risk-based capital ratio25.4979%892
Memoranda:
Average total assets$36,493,6006,992
Average earning assets$33,359,4006,969
Average equity$4,489,6006,820
Average total loans$21,593,0006,848
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4890%2,473
Cost of funding earning assets2.3604%220
Net interest margin3.1287%6,542
Noninterest income to average assets0.1413%6,847
Noninterest expense to average assets2.7137%4,823
Loan and lease loss provision to assets0.0652%6,411
Net operating income to assets0.2246%5,434
Return on assets (ROA)0.2246%5,592
Pretax return on assets0.2246%5,673
Return on Equity (ROE)1.8430%5,664
Retained earnings to average equity (ytd only)1.8430%5,038
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.3498%1,258
Assets per employee ($millions)5.1924%1,945
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.8895%6,777
Loan loss allowance to noncurrent loans54.5455%4,657
Noncurrent assets plus other real estate owned to assets2.9521%2,455
Noncurrent loans to loans1.6308%4,202
Net loans and leases to total assets57.0171%5,412
Net loans and leases to deposits82.8330%2,944
Net loans and leases to core deposits88.5225%3,307
Total domestic deposits to total assets68.8337%7,337
Equity capital to assets12.4109%1,902
Core capital (leverage) ratio12.4109%1,456
Tier 1 risk-based capital ratio24.0677%935
Total risk-based capital ratio25.0600%945
Memoranda:
Average total assets$36,800,2507,067
Average earning assets$33,666,5007,039
Average equity$4,485,0006,910
Average total loans$21,994,0006,913
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4990%2,519
Cost of funding earning assets2.3886%245
Net interest margin3.1105%6,582
Noninterest income to average assets0.1461%6,854
Noninterest expense to average assets2.6251%5,226
Loan and lease loss provision to assets0.0650%6,301
Net operating income to assets0.3248%5,092
Return on assets (ROA)0.3248%5,254
Pretax return on assets0.3248%5,436
Return on Equity (ROE)2.6808%5,382
Retained earnings to average equity (ytd only)2.6808%4,437
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.0736%1,596
Assets per employee ($millions)5.3390%1,769
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.8213%6,986
Loan loss allowance to noncurrent loans114.6497%2,435
Noncurrent assets plus other real estate owned to assets1.9346%3,570
Noncurrent loans to loans0.7163%5,821
Net loans and leases to total assets58.1623%5,391
Net loans and leases to deposits86.9898%2,338
Net loans and leases to core deposits92.9726%2,852
Total domestic deposits to total assets66.8611%7,490
Equity capital to assets12.0649%2,059
Core capital (leverage) ratio12.0649%1,611
Tier 1 risk-based capital ratio23.6780%979
Total risk-based capital ratio24.6232%991
Memoranda:
Average total assets$36,951,3307,114
Average earning assets$34,078,6707,081
Average equity$4,476,3306,948
Average total loans$22,355,3306,944
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5980%2,159
Cost of funding earning assets2.4211%279
Net interest margin3.1769%6,360
Noninterest income to average assets0.1198%7,092
Noninterest expense to average assets2.7436%4,712
Loan and lease loss provision to assets0.0653%5,984
Net operating income to assets0.2395%5,550
Return on assets (ROA)0.2395%5,661
Pretax return on assets0.2395%5,768
Return on Equity (ROE)1.9731%5,775
Retained earnings to average equity (ytd only)1.9731%4,951
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.0000%1,438
Assets per employee ($millions)5.2674%1,891
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.7849%7,160
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.6679%3,970
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets59.6523%5,181
Net loans and leases to deposits90.1915%1,876
Net loans and leases to core deposits96.5582%2,514
Total domestic deposits to total assets66.1396%7,611
Equity capital to assets12.1257%1,965
Core capital (leverage) ratio12.1257%1,585
Tier 1 risk-based capital ratio23.5887%1,003
Total risk-based capital ratio24.5067%1,023
Memoranda:
Average total assets$36,740,5007,207
Average earning assets$33,869,0007,166
Average equity$4,460,0007,018
Average total loans$22,574,5007,017
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7021%3,100
Cost of funding earning assets2.8664%348
Net interest margin2.8356%6,997
Noninterest income to average assets0.1174%7,172
Noninterest expense to average assets2.7166%5,312
Loan and lease loss provision to assets0.8768%2,555
Net operating income to assets-0.4097%6,087
Return on assets (ROA)-0.4097%6,084
Pretax return on assets-0.8325%6,294
Return on Equity (ROE)-3.4356%6,046
Retained earnings to average equity (ytd only)-3.4356%5,777
Net charge-offs to loans1.2021%2,050
Credit loss provision to net charge-offs113.8983%4,810
Earnings coverage of net charge-offs (x)0.0576%6,118
Efficiency ratio98.3932%1,189
Assets per employee ($millions)5.2299%1,918
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.7311%7,305
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.6799%3,847
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets62.3125%4,924
Net loans and leases to deposits96.7389%1,235
Net loans and leases to core deposits122.9492%1,717
Total domestic deposits to total assets64.4131%7,697
Equity capital to assets12.1527%1,934
Core capital (leverage) ratio12.1527%1,601
Tier 1 risk-based capital ratio23.1466%1,030
Total risk-based capital ratio24.0206%1,042
Memoranda:
Average total assets$38,320,0007,163
Average earning assets$35,723,8007,112
Average equity$4,569,8007,091
Average total loans$24,539,8006,945
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6815%3,425
Cost of funding earning assets2.9548%378
Net interest margin2.7267%7,172
Noninterest income to average assets0.1308%7,224
Noninterest expense to average assets2.7425%5,137
Loan and lease loss provision to assets1.1355%1,719
Net operating income to assets-0.9669%6,804
Return on assets (ROA)-0.9669%6,813
Pretax return on assets-1.1975%6,811
Return on Equity (ROE)-8.1448%6,747
Retained earnings to average equity (ytd only)-8.1448%6,621
Net charge-offs to loans1.5777%1,300
Credit loss provision to net charge-offs111.8644%4,539
Earnings coverage of net charge-offs (x)-0.0610%6,139
Efficiency ratio102.3107%968
Assets per employee ($millions)5.4177%1,692
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.6748%7,430
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.9038%3,498
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets62.8731%5,091
Net loans and leases to deposits94.2972%1,836
Net loans and leases to core deposits117.5566%2,463
Total domestic deposits to total assets66.6755%7,652
Equity capital to assets11.5811%2,521
Core capital (leverage) ratio11.5811%2,024
Tier 1 risk-based capital ratio22.1897%1,202
Total risk-based capital ratio23.0081%1,233
Memoranda:
Average total assets$38,747,7507,209
Average earning assets$36,233,7507,151
Average equity$4,600,0007,146
Average total loans$24,929,7506,983
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6889%3,606
Cost of funding earning assets2.9973%481
Net interest margin2.6916%7,221
Noninterest income to average assets0.1333%7,292
Noninterest expense to average assets2.7318%5,250
Loan and lease loss provision to assets0.0256%6,981
Net operating income to assets-0.0974%6,002
Return on assets (ROA)-0.0974%6,053
Pretax return on assets-0.0974%5,989
Return on Equity (ROE)-0.8138%6,050
Retained earnings to average equity (ytd only)-0.8138%5,432
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio102.6975%1,068
Assets per employee ($millions)4.9373%2,158
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.5362%7,747
Loan loss allowance to noncurrent loans36.2637%6,008
Noncurrent assets plus other real estate owned to assets2.4001%2,702
Noncurrent loans to loans1.4786%4,276
Net loans and leases to total assets61.9930%5,359
Net loans and leases to deposits96.4433%1,723
Net loans and leases to core deposits118.6797%2,487
Total domestic deposits to total assets64.2792%7,817
Equity capital to assets11.7829%2,335
Core capital (leverage) ratio11.7829%1,931
Tier 1 risk-based capital ratio22.8294%1,158
Total risk-based capital ratio23.4769%1,191
Memoranda:
Average total assets$39,022,3307,257
Average earning assets$36,632,6707,188
Average equity$4,669,3307,187
Average total loans$25,237,6707,014
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7730%3,420
Cost of funding earning assets3.0563%513
Net interest margin2.7167%7,167
Noninterest income to average assets0.1341%7,334
Noninterest expense to average assets2.5577%5,616
Loan and lease loss provision to assets0.0516%6,312
Net operating income to assets0.0825%6,031
Return on assets (ROA)0.0825%6,197
Pretax return on assets0.0825%6,205
Return on Equity (ROE)0.6842%6,227
Retained earnings to average equity (ytd only)0.6842%5,385
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.0192%1,381
Assets per employee ($millions)4.8609%2,233
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.5244%7,786
Loan loss allowance to noncurrent loans21.3247%7,094
Noncurrent assets plus other real estate owned to assets1.7461%3,300
Noncurrent loans to loans2.4592%2,685
Net loans and leases to total assets64.3891%4,919
Net loans and leases to deposits102.2584%1,150
Net loans and leases to core deposits123.3327%2,130
Total domestic deposits to total assets62.9671%7,884
Equity capital to assets12.0374%2,235
Core capital (leverage) ratio12.0374%1,885
Tier 1 risk-based capital ratio23.5439%1,132
Total risk-based capital ratio24.2078%1,168
Memoranda:
Average total assets$38,784,5007,310
Average earning assets$36,514,5007,244
Average equity$4,677,0007,229
Average total loans$25,547,5007,023
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9309%5,895
Cost of funding earning assets3.3549%795
Net interest margin2.5760%7,666
Noninterest income to average assets0.1615%7,267
Noninterest expense to average assets2.6002%5,652
Loan and lease loss provision to assets0.0104%7,240
Net operating income to assets0.1850%5,890
Return on assets (ROA)0.2996%5,357
Pretax return on assets0.1042%5,929
Return on Equity (ROE)2.4895%5,423
Retained earnings to average equity (ytd only)2.4895%3,646
Net charge-offs to loans0.0605%5,911
Credit loss provision to net charge-offs25.0000%6,558
Earnings coverage of net charge-offs (x)0.0000%6,245
Efficiency ratio100.0000%983
Assets per employee ($millions)4.8353%2,136
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.4899%7,866
Loan loss allowance to noncurrent loans20.5170%7,212
Noncurrent assets plus other real estate owned to assets1.7553%2,785
Noncurrent loans to loans2.3877%2,303
Net loans and leases to total assets66.6899%4,711
Net loans and leases to deposits106.8863%1,054
Net loans and leases to core deposits131.0224%1,777
Total domestic deposits to total assets62.3934%7,866
Equity capital to assets12.0806%2,243
Core capital (leverage) ratio12.0806%1,924
Tier 1 risk-based capital ratio22.9609%1,203
Total risk-based capital ratio23.5849%1,246
Memoranda:
Average total assets$38,382,4007,288
Average earning assets$36,335,0007,227
Average equity$4,619,4007,296
Average total loans$26,428,8006,937