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Idaho Trust Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0193%3,839
Cost of funding earning assets0.2554%2,865
Net interest margin2.7640%3,745
Noninterest income to average assets2.0075%318
Noninterest expense to average assets3.7611%364
Loan and lease loss provision to assets-0.0495%4,353
Net operating income to assets0.7520%3,484
Return on assets (ROA)0.7520%3,547
Pretax return on assets0.8788%3,552
Return on Equity (ROE)6.9017%3,542
Retained earnings to average equity (ytd only)6.9017%1,959
Net charge-offs to loans-0.0009%3,270
Credit loss provision to net charge-offs10,000.0000%67
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.9349%680
Assets per employee ($millions)4.4961%4,118
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.2316%2,727
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets48.4300%3,463
Net loans and leases to deposits54.5928%3,548
Net loans and leases to core deposits54.9658%3,690
Total domestic deposits to total assets88.7114%1,657
Equity capital to assets11.0512%1,761
Core capital (leverage) ratio8.3877%4,033
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9881%1,847
Memoranda:
Average total assets$201,989,8003,052
Average earning assets$188,750,0003,041
Average equity$22,009,0003,059
Average total loans$114,259,6003,006
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0901%3,833
Cost of funding earning assets0.2650%2,956
Net interest margin2.8251%3,721
Noninterest income to average assets2.0426%334
Noninterest expense to average assets3.7160%365
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.8420%3,410
Return on assets (ROA)0.8420%3,472
Pretax return on assets0.9742%3,533
Return on Equity (ROE)7.7561%3,472
Retained earnings to average equity (ytd only)7.7561%2,133
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2298%795
Assets per employee ($millions)4.9616%3,737
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.2133%2,931
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets49.1569%3,509
Net loans and leases to deposits54.8072%3,671
Net loans and leases to core deposits55.1498%3,845
Total domestic deposits to total assets89.6906%919
Equity capital to assets10.1375%2,770
Core capital (leverage) ratio8.1428%4,350
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3729%2,218
Memoranda:
Average total assets$200,782,2503,092
Average earning assets$188,166,5003,084
Average equity$21,797,2503,109
Average total loans$117,471,5003,014
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4284%3,089
Cost of funding earning assets0.2780%3,008
Net interest margin3.1505%2,891
Noninterest income to average assets2.0001%329
Noninterest expense to average assets3.7716%342
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.9933%2,911
Return on assets (ROA)0.9933%2,996
Pretax return on assets1.1724%2,985
Return on Equity (ROE)8.9226%3,117
Retained earnings to average equity (ytd only)8.9226%1,731
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2871%1,058
Assets per employee ($millions)4.8223%3,817
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.1719%3,089
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets54.8636%3,037
Net loans and leases to deposits61.7417%3,229
Net loans and leases to core deposits62.2880%3,437
Total domestic deposits to total assets88.8598%1,351
Equity capital to assets10.7495%2,189
Core capital (leverage) ratio8.5345%3,950
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3028%2,250
Memoranda:
Average total assets$193,286,0003,151
Average earning assets$180,608,0003,129
Average equity$21,518,3333,130
Average total loans$119,595,0003,011
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7974%2,107
Cost of funding earning assets0.3151%2,837
Net interest margin3.4823%1,873
Noninterest income to average assets1.9630%390
Noninterest expense to average assets3.8271%327
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.1447%2,348
Return on assets (ROA)1.1447%2,414
Pretax return on assets1.3874%2,313
Return on Equity (ROE)10.0887%2,661
Retained earnings to average equity (ytd only)10.0887%1,623
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3937%1,362
Assets per employee ($millions)4.1060%4,415
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.1610%3,141
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets60.7603%2,438
Net loans and leases to deposits68.6009%2,639
Net loans and leases to core deposits69.2671%2,936
Total domestic deposits to total assets88.5707%1,576
Equity capital to assets11.3297%1,640
Core capital (leverage) ratio8.5699%4,044
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3117%2,156
Memoranda:
Average total assets$186,250,0003,190
Average earning assets$173,909,0003,179
Average equity$21,132,5003,147
Average total loans$121,836,0002,998
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0647%2,532
Cost of funding earning assets0.4734%3,126
Net interest margin3.5913%2,167
Noninterest income to average assets1.9268%351
Noninterest expense to average assets4.2892%290
Loan and lease loss provision to assets0.2890%1,312
Net operating income to assets0.6556%3,572
Return on assets (ROA)0.6556%3,703
Pretax return on assets0.6788%3,929
Return on Equity (ROE)5.5831%3,715
Retained earnings to average equity (ytd only)5.5831%2,006
Net charge-offs to loans0.1195%1,295
Credit loss provision to net charge-offs348.9510%1,585
Earnings coverage of net charge-offs (x)11.6853%2,389
Efficiency ratio81.5908%773
Assets per employee ($millions)4.0806%4,314
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.0567%3,652
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets68.7352%1,729
Net loans and leases to deposits77.8346%2,090
Net loans and leases to core deposits78.6141%2,495
Total domestic deposits to total assets88.3093%1,326
Equity capital to assets11.3634%1,983
Core capital (leverage) ratio8.2673%4,433
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5821%2,408
Memoranda:
Average total assets$172,667,8003,173
Average earning assets$160,108,8003,168
Average equity$20,275,4003,167
Average total loans$119,645,8002,984
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3271%2,020
Cost of funding earning assets0.5070%3,178
Net interest margin3.8201%1,562
Noninterest income to average assets1.9514%329
Noninterest expense to average assets4.3256%287
Loan and lease loss provision to assets0.4708%658
Net operating income to assets0.6771%3,534
Return on assets (ROA)0.6771%3,643
Pretax return on assets0.6905%3,923
Return on Equity (ROE)5.7167%3,656
Retained earnings to average equity (ytd only)5.7167%2,230
Net charge-offs to loans0.1337%1,079
Credit loss provision to net charge-offs508.4746%1,270
Earnings coverage of net charge-offs (x)12.5424%2,247
Efficiency ratio78.8360%961
Assets per employee ($millions)3.9184%4,390
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.1292%3,040
Loan loss allowance to noncurrent loans18,425.0000%49
Noncurrent assets plus other real estate owned to assets0.0044%4,504
Noncurrent loans to loans0.0061%4,429
Net loans and leases to total assets71.6042%1,724
Net loans and leases to deposits81.0967%2,188
Net loans and leases to core deposits84.6448%2,416
Total domestic deposits to total assets88.2948%1,064
Equity capital to assets11.4283%2,064
Core capital (leverage) ratio8.5175%4,274
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8830%2,254
Memoranda:
Average total assets$169,928,5003,175
Average earning assets$157,269,2503,180
Average equity$20,127,7503,170
Average total loans$117,666,5003,015
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6073%1,637
Cost of funding earning assets0.5496%3,237
Net interest margin4.0577%1,201
Noninterest income to average assets1.9581%299
Noninterest expense to average assets4.4543%263
Loan and lease loss provision to assets0.7208%375
Net operating income to assets0.5850%3,784
Return on assets (ROA)0.5850%3,865
Pretax return on assets0.5346%4,192
Return on Equity (ROE)4.8772%3,859
Retained earnings to average equity (ytd only)4.8772%2,532
Net charge-offs to loans0.2082%747
Credit loss provision to net charge-offs508.4746%1,217
Earnings coverage of net charge-offs (x)8.8559%2,261
Efficiency ratio78.0139%1,057
Assets per employee ($millions)3.9572%4,351
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.1073%3,012
Loan loss allowance to noncurrent loans18,425.0000%40
Noncurrent assets plus other real estate owned to assets0.0045%4,575
Noncurrent loans to loans0.0060%4,496
Net loans and leases to total assets73.9274%1,421
Net loans and leases to deposits83.6021%2,033
Net loans and leases to core deposits89.0612%2,155
Total domestic deposits to total assets88.4277%976
Equity capital to assets11.3566%2,077
Core capital (leverage) ratio8.2803%4,571
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8579%2,240
Memoranda:
Average total assets$166,489,6673,186
Average earning assets$153,930,6673,187
Average equity$19,970,6673,175
Average total loans$113,376,3333,052
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9304%3,976
Cost of funding earning assets0.6357%3,244
Net interest margin3.2947%3,604
Noninterest income to average assets1.9714%277
Noninterest expense to average assets4.6149%273
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.5451%3,763
Return on assets (ROA)0.5451%3,823
Pretax return on assets0.3883%4,312
Return on Equity (ROE)4.4143%3,845
Retained earnings to average equity (ytd only)4.4143%2,531
Net charge-offs to loans-0.0077%3,985
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.2388%422
Assets per employee ($millions)3.6732%4,306
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.9209%4,032
Loan loss allowance to noncurrent loans753.0303%687
Noncurrent assets plus other real estate owned to assets0.0799%4,208
Noncurrent loans to loans0.1223%4,032
Net loans and leases to total assets64.7023%2,979
Net loans and leases to deposits73.7132%3,301
Net loans and leases to core deposits78.8663%3,293
Total domestic deposits to total assets87.7757%1,197
Equity capital to assets12.0730%2,015
Core capital (leverage) ratio9.1602%4,311
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6217%2,878
Memoranda:
Average total assets$160,698,5003,209
Average earning assets$147,872,0003,213
Average equity$19,844,5003,182
Average total loans$103,505,5003,176
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4917%2,978
Cost of funding earning assets0.6287%3,511
Net interest margin3.8630%2,294
Noninterest income to average assets2.6087%188
Noninterest expense to average assets5.4399%164
Loan and lease loss provision to assets0.0257%3,501
Net operating income to assets0.6305%4,069
Return on assets (ROA)0.6305%4,137
Pretax return on assets0.6203%4,377
Return on Equity (ROE)4.4561%4,355
Retained earnings to average equity (ytd only)4.4561%2,731
Net charge-offs to loans-0.0575%4,848
Credit loss provision to net charge-offs-67.3077%4,188
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.3861%372
Assets per employee ($millions)3.4690%4,504
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.0013%3,500
Loan loss allowance to noncurrent loans751.5152%701
Noncurrent assets plus other real estate owned to assets0.0846%4,219
Noncurrent loans to loans0.1332%3,987
Net loans and leases to total assets62.8277%3,327
Net loans and leases to deposits72.2183%3,507
Net loans and leases to core deposits77.7332%3,461
Total domestic deposits to total assets86.9970%1,611
Equity capital to assets12.6410%1,742
Core capital (leverage) ratio9.5016%4,061
Tier 1 risk-based capital ratio12.6437%3,981
Total risk-based capital ratio13.5742%4,041
Memoranda:
Average total assets$136,234,8003,491
Average earning assets$122,626,2003,526
Average equity$19,276,8003,196
Average total loans$90,485,6003,384
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6409%2,597
Cost of funding earning assets0.5862%3,756
Net interest margin4.0547%1,747
Noninterest income to average assets2.7698%170
Noninterest expense to average assets5.6849%149
Loan and lease loss provision to assets0.0142%3,621
Net operating income to assets0.6389%4,189
Return on assets (ROA)0.6389%4,237
Pretax return on assets0.7029%4,336
Return on Equity (ROE)4.3765%4,511
Retained earnings to average equity (ytd only)4.3765%3,209
Net charge-offs to loans-0.0076%4,307
Credit loss provision to net charge-offs-280.0000%4,223
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.7990%366
Assets per employee ($millions)3.1008%4,837
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.0105%3,516
Loan loss allowance to noncurrent loans700.7576%751
Noncurrent assets plus other real estate owned to assets0.0906%4,266
Noncurrent loans to loans0.1442%4,022
Net loans and leases to total assets62.1773%3,478
Net loans and leases to deposits72.0478%3,611
Net loans and leases to core deposits77.8374%3,562
Total domestic deposits to total assets86.3001%1,866
Equity capital to assets13.3822%1,414
Core capital (leverage) ratio10.3235%3,287
Tier 1 risk-based capital ratio13.0141%3,840
Total risk-based capital ratio13.9174%3,920
Memoranda:
Average total assets$131,267,7503,581
Average earning assets$117,588,5003,627
Average equity$19,162,7503,230
Average total loans$88,340,0003,477
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6834%2,416
Cost of funding earning assets0.5178%4,043
Net interest margin4.1656%1,439
Noninterest income to average assets2.7032%181
Noninterest expense to average assets5.8745%145
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.5568%4,412
Return on assets (ROA)0.5568%4,444
Pretax return on assets0.5568%4,617
Return on Equity (ROE)3.6957%4,652
Retained earnings to average equity (ytd only)3.6957%3,412
Net charge-offs to loans-0.0069%4,210
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.3428%303
Assets per employee ($millions)2.5044%5,123
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.0074%3,577
Loan loss allowance to noncurrent loans687.8788%777
Noncurrent assets plus other real estate owned to assets0.1033%4,236
Noncurrent loans to loans0.1464%4,030
Net loans and leases to total assets69.8574%2,547
Net loans and leases to deposits82.4701%2,674
Net loans and leases to core deposits87.9776%2,798
Total domestic deposits to total assets84.7063%2,596
Equity capital to assets15.0525%794
Core capital (leverage) ratio11.1956%2,421
Tier 1 risk-based capital ratio13.0941%3,792
Total risk-based capital ratio14.0096%3,878
Memoranda:
Average total assets$126,444,3303,672
Average earning assets$113,165,3303,723
Average equity$19,049,3303,242
Average total loans$87,273,0003,520
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6672%2,327
Cost of funding earning assets0.4688%4,209
Net interest margin4.1983%1,306
Noninterest income to average assets2.7058%168
Noninterest expense to average assets5.9680%144
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.5755%4,309
Return on assets (ROA)0.5755%4,344
Pretax return on assets0.4960%4,696
Return on Equity (ROE)3.8184%4,614
Retained earnings to average equity (ytd only)3.8184%3,393
Net charge-offs to loans-0.0093%4,205
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.3266%316
Assets per employee ($millions)2.5961%5,151
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.0365%3,485
Loan loss allowance to noncurrent loans687.1212%812
Noncurrent assets plus other real estate owned to assets0.1059%4,282
Noncurrent loans to loans0.1508%4,060
Net loans and leases to total assets69.4954%2,556
Net loans and leases to deposits82.2156%2,589
Net loans and leases to core deposits89.4712%2,558
Total domestic deposits to total assets84.5282%2,840
Equity capital to assets15.2888%690
Core capital (leverage) ratio11.0065%2,569
Tier 1 risk-based capital ratio13.2446%3,742
Total risk-based capital ratio14.1836%3,806
Memoranda:
Average total assets$125,803,5003,713
Average earning assets$112,616,0003,775
Average equity$18,961,0003,265
Average total loans$85,842,5003,582
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5737%2,220
Cost of funding earning assets0.3116%4,507
Net interest margin4.2621%1,244
Noninterest income to average assets3.3276%137
Noninterest expense to average assets5.7965%140
Loan and lease loss provision to assets0.1716%1,162
Net operating income to assets1.0685%2,722
Return on assets (ROA)1.0685%2,705
Pretax return on assets1.1469%3,109
Return on Equity (ROE)6.7237%3,919
Retained earnings to average equity (ytd only)6.7237%1,801
Net charge-offs to loans0.0286%2,834
Credit loss provision to net charge-offs856.5217%420
Earnings coverage of net charge-offs (x)65.8261%968
Efficiency ratio81.4688%849
Assets per employee ($millions)2.5917%5,183
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.0751%3,243
Loan loss allowance to noncurrent loans685.6061%833
Noncurrent assets plus other real estate owned to assets0.1039%4,310
Noncurrent loans to loans0.1568%4,035
Net loans and leases to total assets65.5721%3,191
Net loans and leases to deposits77.2561%3,247
Net loans and leases to core deposits83.6140%3,126
Total domestic deposits to total assets84.8763%2,695
Equity capital to assets14.8591%740
Core capital (leverage) ratio10.8404%2,690
Tier 1 risk-based capital ratio13.9643%3,303
Total risk-based capital ratio14.9641%3,357
Memoranda:
Average total assets$114,828,8003,877
Average earning assets$102,039,4003,949
Average equity$18,249,0003,271
Average total loans$80,349,6003,662
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5107%2,265
Cost of funding earning assets0.2841%4,615
Net interest margin4.2265%1,294
Noninterest income to average assets3.6044%133
Noninterest expense to average assets5.7154%145
Loan and lease loss provision to assets0.2350%685
Net operating income to assets1.2261%2,139
Return on assets (ROA)1.2261%2,138
Pretax return on assets1.3979%2,237
Return on Equity (ROE)7.5752%3,721
Retained earnings to average equity (ytd only)7.5752%1,860
Net charge-offs to loans0.0420%2,247
Credit loss provision to net charge-offs788.0000%492
Earnings coverage of net charge-offs (x)54.7642%1,117
Efficiency ratio77.7796%1,140
Assets per employee ($millions)2.6477%5,235
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.0933%3,231
Loan loss allowance to noncurrent loans164.3636%2,595
Noncurrent assets plus other real estate owned to assets0.4420%2,914
Noncurrent loans to loans0.6652%2,415
Net loans and leases to total assets65.7182%3,214
Net loans and leases to deposits77.4317%3,286
Net loans and leases to core deposits84.4008%3,125
Total domestic deposits to total assets84.8725%2,654
Equity capital to assets15.0014%718
Core capital (leverage) ratio11.4845%2,180
Tier 1 risk-based capital ratio13.8355%3,452
Total risk-based capital ratio14.8364%3,487
Memoranda:
Average total assets$111,787,7503,955
Average earning assets$99,022,5004,027
Average equity$18,093,7503,306
Average total loans$79,392,7503,708
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5475%1,945
Cost of funding earning assets0.2676%4,650
Net interest margin4.2799%1,076
Noninterest income to average assets3.6683%125
Noninterest expense to average assets5.9794%138
Loan and lease loss provision to assets0.2733%548
Net operating income to assets1.1360%2,452
Return on assets (ROA)1.1360%2,459
Pretax return on assets1.1918%2,968
Return on Equity (ROE)6.8259%3,953
Retained earnings to average equity (ytd only)6.8259%2,156
Net charge-offs to loans0.0690%1,653
Credit loss provision to net charge-offs544.4444%667
Earnings coverage of net charge-offs (x)29.1852%1,533
Efficiency ratio80.3197%978
Assets per employee ($millions)2.4137%5,353
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.0435%3,568
Loan loss allowance to noncurrent loans184.4156%2,400
Noncurrent assets plus other real estate owned to assets0.4161%3,058
Noncurrent loans to loans0.5659%2,721
Net loans and leases to total assets72.7680%2,157
Net loans and leases to deposits87.3082%2,182
Net loans and leases to core deposits96.6783%2,001
Total domestic deposits to total assets83.3461%3,311
Equity capital to assets16.4378%448
Core capital (leverage) ratio11.6285%1,963
Tier 1 risk-based capital ratio13.5031%3,615
Total risk-based capital ratio14.4648%3,700
Memoranda:
Average total assets$107,569,6704,057
Average earning assets$94,909,6704,129
Average equity$17,902,3303,343
Average total loans$78,295,3303,746
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5208%1,804
Cost of funding earning assets0.2452%4,744
Net interest margin4.2756%991
Noninterest income to average assets3.2124%148
Noninterest expense to average assets6.0998%137
Loan and lease loss provision to assets0.2268%695
Net operating income to assets0.6425%4,303
Return on assets (ROA)0.6425%4,315
Pretax return on assets0.6425%4,583
Return on Equity (ROE)3.8357%4,808
Retained earnings to average equity (ytd only)3.8357%3,659
Net charge-offs to loans0.1357%994
Credit loss provision to net charge-offs230.7692%954
Earnings coverage of net charge-offs (x)8.8462%2,006
Efficiency ratio87.5271%558
Assets per employee ($millions)2.3592%5,428
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.0047%3,923
Loan loss allowance to noncurrent loans612.0000%924
Noncurrent assets plus other real estate owned to assets0.1152%4,519
Noncurrent loans to loans0.1642%4,243
Net loans and leases to total assets69.4540%2,571
Net loans and leases to deposits83.2082%2,480
Net loans and leases to core deposits91.7574%2,320
Total domestic deposits to total assets83.4702%3,514
Equity capital to assets16.4110%453
Core capital (leverage) ratio12.3707%1,445
Tier 1 risk-based capital ratio13.7458%3,522
Total risk-based capital ratio14.6599%3,626
Memoranda:
Average total assets$105,839,0004,124
Average earning assets$92,992,0004,207
Average equity$17,728,0003,393
Average total loans$76,619,5003,818
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1151%3,005
Cost of funding earning assets0.2168%4,813
Net interest margin3.8983%2,093
Noninterest income to average assets3.3123%155
Noninterest expense to average assets7.1567%107
Loan and lease loss provision to assets0.0853%2,493
Net operating income to assets-0.2709%5,468
Return on assets (ROA)-0.2709%5,467
Pretax return on assets-0.5353%5,553
Return on Equity (ROE)-1.4316%5,439
Retained earnings to average equity (ytd only)-1.4316%5,222
Net charge-offs to loans-0.0091%4,765
Credit loss provision to net charge-offs-1,333.3333%5,107
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio106.7101%117
Assets per employee ($millions)2.2923%5,517
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.9481%4,221
Loan loss allowance to noncurrent loans157.5431%2,709
Noncurrent assets plus other real estate owned to assets0.6466%2,386
Noncurrent loans to loans0.6018%2,729
Net loans and leases to total assets74.0337%1,917
Net loans and leases to deposits90.0672%1,765
Net loans and leases to core deposits100.9918%1,634
Total domestic deposits to total assets82.1983%3,817
Equity capital to assets17.1066%389
Core capital (leverage) ratio12.1885%1,503
Tier 1 risk-based capital ratio13.2205%3,776
Total risk-based capital ratio14.0736%3,915
Memoranda:
Average total assets$93,772,0004,349
Average earning assets$81,651,2004,438
Average equity$17,742,0003,398
Average total loans$66,048,0004,054
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0113%3,317
Cost of funding earning assets0.2093%4,888
Net interest margin3.8020%2,386
Noninterest income to average assets4.6973%120
Noninterest expense to average assets6.7723%125
Loan and lease loss provision to assets0.1140%1,890
Net operating income to assets1.0475%2,341
Return on assets (ROA)1.0475%2,383
Pretax return on assets1.0475%3,499
Return on Equity (ROE)4.8905%4,571
Retained earnings to average equity (ytd only)4.8905%2,954
Net charge-offs to loans-0.0126%4,703
Credit loss provision to net charge-offs-1,333.3333%4,997
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.3602%662
Assets per employee ($millions)2.1364%5,610
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.0670%3,686
Loan loss allowance to noncurrent loans162.8062%2,610
Noncurrent assets plus other real estate owned to assets0.6782%2,462
Noncurrent loans to loans0.6554%2,740
Net loans and leases to total assets70.5001%2,483
Net loans and leases to deposits89.6283%1,852
Net loans and leases to core deposits100.8887%1,634
Total domestic deposits to total assets78.6584%4,602
Equity capital to assets21.1388%184
Core capital (leverage) ratio16.4319%440
Tier 1 risk-based capital ratio18.1760%1,810
Total risk-based capital ratio19.0543%1,860
Memoranda:
Average total assets$93,555,0004,397
Average earning assets$79,640,2504,514
Average equity$20,038,2503,162
Average total loans$63,285,2504,150
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8345%3,777
Cost of funding earning assets0.2056%4,920
Net interest margin3.6290%2,918
Noninterest income to average assets5.3401%107
Noninterest expense to average assets6.8051%131
Loan and lease loss provision to assets0.1726%1,117
Net operating income to assets1.4478%954
Return on assets (ROA)1.4478%981
Pretax return on assets1.4478%1,830
Return on Equity (ROE)6.7290%3,704
Retained earnings to average equity (ytd only)6.7290%1,723
Net charge-offs to loans-0.0195%4,774
Credit loss provision to net charge-offs-1,333.3333%4,878
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.7682%1,129
Assets per employee ($millions)2.0043%5,672
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.1087%3,535
Loan loss allowance to noncurrent loans173.6342%2,503
Noncurrent assets plus other real estate owned to assets0.8301%2,137
Noncurrent loans to loans0.6385%2,818
Net loans and leases to total assets69.2166%2,632
Net loans and leases to deposits88.3807%1,940
Net loans and leases to core deposits99.7995%1,661
Total domestic deposits to total assets78.3163%4,766
Equity capital to assets21.5032%161
Core capital (leverage) ratio16.5773%411
Tier 1 risk-based capital ratio19.5803%1,454
Total risk-based capital ratio20.5292%1,473
Memoranda:
Average total assets$92,694,6704,446
Average earning assets$78,810,0004,553
Average equity$19,943,6703,163
Average total loans$61,544,6704,221
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6977%4,124
Cost of funding earning assets0.2148%4,842
Net interest margin3.4829%3,339
Noninterest income to average assets5.9298%98
Noninterest expense to average assets6.7825%132
Loan and lease loss provision to assets0.3480%343
Net operating income to assets1.7620%487
Return on assets (ROA)1.7620%497
Pretax return on assets1.7620%879
Return on Equity (ROE)8.1870%2,816
Retained earnings to average equity (ytd only)8.1870%1,383
Net charge-offs to loans-0.0270%4,877
Credit loss provision to net charge-offs-2,000.0000%4,576
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2720%1,870
Assets per employee ($millions)2.1011%5,725
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.1745%3,285
Loan loss allowance to noncurrent loans129.4849%3,139
Noncurrent assets plus other real estate owned to assets1.0460%1,729
Noncurrent loans to loans0.9070%2,224
Net loans and leases to total assets64.8778%3,133
Net loans and leases to deposits82.4212%2,456
Net loans and leases to core deposits92.9692%2,067
Total domestic deposits to total assets78.7150%4,877
Equity capital to assets21.1423%166
Core capital (leverage) ratio17.4223%330
Tier 1 risk-based capital ratio20.5345%1,295
Total risk-based capital ratio21.5432%1,303
Memoranda:
Average total assets$91,942,0004,503
Average earning assets$78,211,5004,607
Average equity$19,787,5003,194
Average total loans$59,350,5004,317
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2268%5,259
Cost of funding earning assets0.1881%5,126
Net interest margin3.0387%4,878
Noninterest income to average assets5.5673%112
Noninterest expense to average assets6.8079%137
Loan and lease loss provision to assets0.0580%3,225
Net operating income to assets1.4855%858
Return on assets (ROA)1.4855%878
Pretax return on assets1.3068%2,257
Return on Equity (ROE)6.6788%3,652
Retained earnings to average equity (ytd only)6.6788%1,365
Net charge-offs to loans0.3213%852
Credit loss provision to net charge-offs32.2581%3,567
Earnings coverage of net charge-offs (x)7.5871%2,999
Efficiency ratio83.3002%1,075
Assets per employee ($millions)2.0775%5,782
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.1390%3,496
Loan loss allowance to noncurrent loans113.3568%3,369
Noncurrent assets plus other real estate owned to assets1.1754%1,549
Noncurrent loans to loans1.0048%2,083
Net loans and leases to total assets62.6693%3,517
Net loans and leases to deposits80.8296%2,798
Net loans and leases to core deposits92.0488%2,298
Total domestic deposits to total assets77.5326%5,045
Equity capital to assets21.9233%151
Core capital (leverage) ratio17.2770%337
Tier 1 risk-based capital ratio22.7508%989
Total risk-based capital ratio23.7687%996
Memoranda:
Average total assets$86,164,2004,614
Average earning assets$73,880,8004,718
Average equity$19,165,0003,254
Average total loans$48,247,0004,627
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1127%5,459
Cost of funding earning assets0.1853%5,217
Net interest margin2.9273%5,138
Noninterest income to average assets4.7556%132
Noninterest expense to average assets6.1799%161
Loan and lease loss provision to assets-0.1327%5,824
Net operating income to assets1.4649%950
Return on assets (ROA)1.4649%994
Pretax return on assets1.2244%2,732
Return on Equity (ROE)6.5616%3,799
Retained earnings to average equity (ytd only)6.5616%1,869
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.9871%903
Assets per employee ($millions)2.0570%5,854
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.3507%2,436
Loan loss allowance to noncurrent loans86.8146%3,904
Noncurrent assets plus other real estate owned to assets1.4786%1,222
Noncurrent loans to loans1.5559%1,394
Net loans and leases to total assets57.5875%4,130
Net loans and leases to deposits75.1858%3,481
Net loans and leases to core deposits86.1102%2,940
Total domestic deposits to total assets76.5936%5,148
Equity capital to assets23.1763%133
Core capital (leverage) ratio18.2882%278
Tier 1 risk-based capital ratio26.1261%703
Total risk-based capital ratio27.3541%690
Memoranda:
Average total assets$85,371,7504,659
Average earning assets$73,375,5004,769
Average equity$19,060,0003,285
Average total loans$46,151,2504,729
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0250%5,625
Cost of funding earning assets0.1897%5,240
Net interest margin2.8352%5,371
Noninterest income to average assets4.5639%137
Noninterest expense to average assets6.0595%167
Loan and lease loss provision to assets-0.1983%5,935
Net operating income to assets1.5026%890
Return on assets (ROA)1.5026%932
Pretax return on assets1.1433%3,018
Return on Equity (ROE)6.8155%3,639
Retained earnings to average equity (ytd only)6.8155%1,710
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.5090%838
Assets per employee ($millions)2.2668%5,874
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.3986%2,306
Loan loss allowance to noncurrent loans107.0853%3,566
Noncurrent assets plus other real estate owned to assets1.3139%1,536
Noncurrent loans to loans1.3061%1,732
Net loans and leases to total assets55.8966%4,325
Net loans and leases to deposits72.7503%3,724
Net loans and leases to core deposits83.3618%3,138
Total domestic deposits to total assets76.8335%5,182
Equity capital to assets22.9543%134
Core capital (leverage) ratio17.7559%315
Tier 1 risk-based capital ratio26.2804%709
Total risk-based capital ratio27.5397%694
Memoranda:
Average total assets$85,717,0004,697
Average earning assets$73,786,0004,807
Average equity$18,898,0003,315
Average total loans$45,124,3304,794
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9743%5,711
Cost of funding earning assets0.1972%5,232
Net interest margin2.7771%5,507
Noninterest income to average assets3.4534%174
Noninterest expense to average assets5.9003%181
Loan and lease loss provision to assets-0.3924%6,068
Net operating income to assets1.0619%2,044
Return on assets (ROA)1.0619%2,153
Pretax return on assets0.3509%5,401
Return on Equity (ROE)4.9143%4,520
Retained earnings to average equity (ytd only)4.9143%2,991
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio100.7092%276
Assets per employee ($millions)2.3825%5,899
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.4780%2,078
Loan loss allowance to noncurrent loans92.1053%3,811
Noncurrent assets plus other real estate owned to assets1.4026%1,480
Noncurrent loans to loans1.6047%1,441
Net loans and leases to total assets51.6842%4,656
Net loans and leases to deposits66.3687%4,223
Net loans and leases to core deposits75.6623%3,707
Total domestic deposits to total assets77.8743%5,168
Equity capital to assets21.9625%154
Core capital (leverage) ratio16.6359%405
Tier 1 risk-based capital ratio27.2368%659
Total risk-based capital ratio28.5376%639
Memoranda:
Average total assets$86,640,0004,719
Average earning assets$75,043,0004,822
Average equity$18,721,0003,342
Average total loans$43,913,5004,871
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9564%5,765
Cost of funding earning assets0.2522%4,764
Net interest margin2.7042%5,640
Noninterest income to average assets3.8919%162
Noninterest expense to average assets5.3826%220
Loan and lease loss provision to assets-0.1715%5,954
Net operating income to assets1.0432%2,156
Return on assets (ROA)1.0432%2,244
Pretax return on assets1.0114%3,419
Return on Equity (ROE)5.1497%4,437
Retained earnings to average equity (ytd only)5.1497%2,316
Net charge-offs to loans1.1257%162
Credit loss provision to net charge-offs-28.5714%5,012
Earnings coverage of net charge-offs (x)1.3992%4,094
Efficiency ratio86.5018%962
Assets per employee ($millions)2.4309%5,922
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.7510%1,237
Loan loss allowance to noncurrent loans102.8807%3,634
Noncurrent assets plus other real estate owned to assets1.3827%1,511
Noncurrent loans to loans1.7020%1,331
Net loans and leases to total assets48.0888%5,006
Net loans and leases to deposits61.1814%4,690
Net loans and leases to core deposits69.4668%4,338
Total domestic deposits to total assets78.6004%5,050
Equity capital to assets21.2602%167
Core capital (leverage) ratio16.0361%463
Tier 1 risk-based capital ratio29.5525%527
Total risk-based capital ratio30.8867%513
Memoranda:
Average total assets$85,126,2004,763
Average earning assets$73,366,6004,872
Average equity$17,243,6003,499
Average total loans$45,393,6004,819
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0193%5,795
Cost of funding earning assets0.2678%4,687
Net interest margin2.7515%5,662
Noninterest income to average assets3.6452%173
Noninterest expense to average assets5.6562%202
Loan and lease loss provision to assets-0.1088%6,009
Net operating income to assets0.4637%4,920
Return on assets (ROA)0.4637%5,015
Pretax return on assets0.4637%5,311
Return on Equity (ROE)2.3190%5,602
Retained earnings to average equity (ytd only)2.3190%4,728
Net charge-offs to loans1.5293%90
Credit loss provision to net charge-offs-13.0682%4,865
Earnings coverage of net charge-offs (x)0.4261%3,951
Efficiency ratio94.0960%487
Assets per employee ($millions)2.3306%6,043
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.8803%1,112
Loan loss allowance to noncurrent loans110.2041%3,474
Noncurrent assets plus other real estate owned to assets2.2693%818
Noncurrent loans to loans1.7062%1,412
Net loans and leases to total assets50.3778%4,904
Net loans and leases to deposits63.3903%4,607
Net loans and leases to core deposits72.2876%4,165
Total domestic deposits to total assets79.4725%4,869
Equity capital to assets20.2927%219
Core capital (leverage) ratio17.0949%374
Tier 1 risk-based capital ratio27.1939%672
Total risk-based capital ratio28.5087%652
Memoranda:
Average total assets$84,530,0004,834
Average earning assets$72,685,0004,938
Average equity$16,903,2503,573
Average total loans$46,033,7504,844
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0397%5,821
Cost of funding earning assets0.2815%4,595
Net interest margin2.7582%5,695
Noninterest income to average assets3.7574%169
Noninterest expense to average assets5.5724%212
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.5900%4,395
Return on assets (ROA)0.5900%4,488
Pretax return on assets0.5900%5,004
Return on Equity (ROE)2.9652%5,412
Retained earnings to average equity (ytd only)2.9652%4,150
Net charge-offs to loans2.0077%72
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)0.5297%3,646
Efficiency ratio90.4251%719
Assets per employee ($millions)2.2842%6,134
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans2.1650%771
Loan loss allowance to noncurrent loans57.0818%4,815
Noncurrent assets plus other real estate owned to assets2.4103%804
Noncurrent loans to loans3.7928%435
Net loans and leases to total assets51.3827%4,810
Net loans and leases to deposits64.9012%4,449
Net loans and leases to core deposits74.6001%3,895
Total domestic deposits to total assets79.1706%5,060
Equity capital to assets20.6530%199
Core capital (leverage) ratio15.8048%494
Tier 1 risk-based capital ratio27.7219%660
Total risk-based capital ratio29.0431%648
Memoranda:
Average total assets$84,739,3304,882
Average earning assets$73,889,0004,962
Average equity$16,862,3303,588
Average total loans$47,019,0004,854
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8911%5,999
Cost of funding earning assets0.2769%4,704
Net interest margin2.6142%5,905
Noninterest income to average assets3.8003%169
Noninterest expense to average assets5.4283%235
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.6559%4,020
Return on assets (ROA)0.6559%4,142
Pretax return on assets0.6559%4,739
Return on Equity (ROE)3.3567%5,234
Retained earnings to average equity (ytd only)3.3567%3,971
Net charge-offs to loans3.9399%29
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)0.2925%3,071
Efficiency ratio89.2202%918
Assets per employee ($millions)2.4646%6,135
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.9135%1,257
Loan loss allowance to noncurrent loans55.8238%4,842
Noncurrent assets plus other real estate owned to assets2.3197%957
Noncurrent loans to loans3.4278%567
Net loans and leases to total assets54.9669%4,323
Net loans and leases to deposits68.5168%3,909
Net loans and leases to core deposits84.1497%2,752
Total domestic deposits to total assets80.2240%5,005
Equity capital to assets19.5616%244
Core capital (leverage) ratio15.3227%560
Tier 1 risk-based capital ratio24.4030%948
Total risk-based capital ratio25.6580%927
Memoranda:
Average total assets$85,994,0004,904
Average earning assets$75,127,5004,988
Average equity$16,802,0003,617
Average total loans$48,935,0004,818
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4693%5,396
Cost of funding earning assets0.3414%4,349
Net interest margin3.1279%5,138
Noninterest income to average assets5.1347%122
Noninterest expense to average assets6.4067%163
Loan and lease loss provision to assets0.1622%1,620
Net operating income to assets1.6225%679
Return on assets (ROA)1.6225%710
Pretax return on assets1.2175%2,582
Return on Equity (ROE)6.9334%3,673
Retained earnings to average equity (ytd only)-5.5467%6,200
Net charge-offs to loans0.1665%2,367
Credit loss provision to net charge-offs160.2564%1,507
Earnings coverage of net charge-offs (x)13.6282%2,252
Efficiency ratio82.2804%1,633
Assets per employee ($millions)2.3169%6,264
Cash dividends to net income (ytd only)*180.0000%105
Condition Ratios (%)
Loss allowance to loans2.8407%357
Loan loss allowance to noncurrent loans193.5351%2,299
Noncurrent assets plus other real estate owned to assets1.2493%2,259
Noncurrent loans to loans1.4678%1,999
Net loans and leases to total assets56.1352%4,319
Net loans and leases to deposits69.9127%3,918
Net loans and leases to core deposits86.9023%2,615
Total domestic deposits to total assets80.2933%4,940
Equity capital to assets19.5154%245
Core capital (leverage) ratio16.2286%447
Tier 1 risk-based capital ratio28.0937%611
Total risk-based capital ratio29.3642%599
Memoranda:
Average total assets$77,043,8005,126
Average earning assets$65,315,6005,245
Average equity$18,028,8003,390
Average total loans$46,839,4004,919
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5366%5,304
Cost of funding earning assets0.3471%4,370
Net interest margin3.1895%5,000
Noninterest income to average assets5.5577%110
Noninterest expense to average assets6.4534%156
Loan and lease loss provision to assets0.2226%1,025
Net operating income to assets2.5536%134
Return on assets (ROA)2.5536%135
Pretax return on assets1.5653%1,437
Return on Equity (ROE)10.4174%2,030
Retained earnings to average equity (ytd only)6.7851%1,935
Net charge-offs to loans0.2397%1,609
Credit loss provision to net charge-offs150.6024%1,576
Earnings coverage of net charge-offs (x)12.0968%2,349
Efficiency ratio78.3060%2,138
Assets per employee ($millions)2.0754%6,425
Cash dividends to net income (ytd only)*34.8675%2,585
Condition Ratios (%)
Loss allowance to loans2.9370%385
Loan loss allowance to noncurrent loans3,047.8261%204
Noncurrent assets plus other real estate owned to assets0.5079%4,356
Noncurrent loans to loans0.0964%5,654
Net loans and leases to total assets60.3365%3,729
Net loans and leases to deposits80.0128%2,688
Net loans and leases to core deposits93.7080%1,899
Total domestic deposits to total assets75.4086%5,883
Equity capital to assets24.3010%107
Core capital (leverage) ratio20.7810%186
Tier 1 risk-based capital ratio30.9660%485
Total risk-based capital ratio32.2368%479
Memoranda:
Average total assets$74,873,0005,231
Average earning assets$62,996,7505,368
Average equity$18,353,5003,383
Average total loans$46,166,7504,994
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5101%5,394
Cost of funding earning assets0.3223%4,736
Net interest margin3.1878%4,983
Noninterest income to average assets5.1297%117
Noninterest expense to average assets6.4391%157
Loan and lease loss provision to assets0.3368%544
Net operating income to assets2.5137%138
Return on assets (ROA)2.5137%142
Pretax return on assets1.0184%3,403
Return on Equity (ROE)10.2241%2,047
Retained earnings to average equity (ytd only)10.2241%674
Net charge-offs to loans0.3637%1,125
Credit loss provision to net charge-offs150.6024%1,443
Earnings coverage of net charge-offs (x)6.0602%2,828
Efficiency ratio82.6132%1,678
Assets per employee ($millions)2.1264%6,465
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.9884%388
Loan loss allowance to noncurrent loans181.3713%2,319
Noncurrent assets plus other real estate owned to assets2.7397%958
Noncurrent loans to loans1.6477%2,113
Net loans and leases to total assets61.1515%3,548
Net loans and leases to deposits81.9327%2,256
Net loans and leases to core deposits96.6572%1,552
Total domestic deposits to total assets74.6362%6,055
Equity capital to assets25.0736%90
Core capital (leverage) ratio22.5269%123
Tier 1 risk-based capital ratio32.0917%442
Total risk-based capital ratio33.3623%432
Memoranda:
Average total assets$74,233,6705,287
Average earning assets$62,049,0005,453
Average equity$18,251,0003,394
Average total loans$45,644,0005,042
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4599%5,523
Cost of funding earning assets0.3344%4,697
Net interest margin3.1255%5,157
Noninterest income to average assets4.9259%118
Noninterest expense to average assets6.1669%178
Loan and lease loss provision to assets0.6744%185
Net operating income to assets3.4045%76
Return on assets (ROA)3.4045%80
Pretax return on assets0.7068%4,465
Return on Equity (ROE)13.9865%947
Retained earnings to average equity (ytd only)13.9865%397
Net charge-offs to loans-0.7287%6,599
Credit loss provision to net charge-offs-152.4390%4,919
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.7012%1,963
Assets per employee ($millions)2.0111%6,574
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans3.5015%268
Loan loss allowance to noncurrent loans2,749.1228%207
Noncurrent assets plus other real estate owned to assets1.8274%1,910
Noncurrent loans to loans0.1274%5,727
Net loans and leases to total assets59.6494%3,614
Net loans and leases to deposits80.1340%2,275
Net loans and leases to core deposits97.1738%1,302
Total domestic deposits to total assets74.4371%6,207
Equity capital to assets25.3626%94
Core capital (leverage) ratio21.4613%146
Tier 1 risk-based capital ratio33.4034%403
Total risk-based capital ratio34.6810%397
Memoranda:
Average total assets$74,138,0005,335
Average earning assets$62,198,5005,497
Average equity$18,046,0003,422
Average total loans$45,009,0005,123
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8240%4,724
Cost of funding earning assets0.3610%5,042
Net interest margin3.4629%4,048
Noninterest income to average assets4.8395%142
Noninterest expense to average assets6.5255%165
Loan and lease loss provision to assets-0.0893%6,465
Net operating income to assets2.6710%146
Return on assets (ROA)2.6710%145
Pretax return on assets1.3435%1,996
Return on Equity (ROE)11.4245%1,624
Retained earnings to average equity (ytd only)6.8638%1,497
Net charge-offs to loans-0.3126%6,679
Credit loss provision to net charge-offs45.8904%3,918
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.8787%1,639
Assets per employee ($millions)2.1679%6,580
Cash dividends to net income (ytd only)*39.9202%2,816
Condition Ratios (%)
Loss allowance to loans3.0045%465
Loan loss allowance to noncurrent loans2,000.0000%299
Noncurrent assets plus other real estate owned to assets1.7581%2,111
Noncurrent loans to loans0.1502%5,747
Net loans and leases to total assets57.8639%4,056
Net loans and leases to deposits75.7052%2,996
Net loans and leases to core deposits90.4402%1,974
Total domestic deposits to total assets76.4332%6,055
Equity capital to assets23.3665%118
Core capital (leverage) ratio19.6016%218
Tier 1 risk-based capital ratio32.9902%400
Total risk-based capital ratio34.2636%391
Memoranda:
Average total assets$75,028,6005,351
Average earning assets$63,703,4005,478
Average equity$17,541,2003,490
Average total loans$46,700,8005,086
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9169%4,440
Cost of funding earning assets0.3646%5,146
Net interest margin3.5522%3,645
Noninterest income to average assets4.8901%144
Noninterest expense to average assets6.1839%186
Loan and lease loss provision to assets-0.1069%6,634
Net operating income to assets3.4537%81
Return on assets (ROA)3.4537%81
Pretax return on assets1.8338%832
Return on Equity (ROE)14.7704%840
Retained earnings to average equity (ytd only)11.7218%465
Net charge-offs to loans-0.3910%6,758
Credit loss provision to net charge-offs43.4783%3,642
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.1708%2,394
Assets per employee ($millions)2.0984%6,677
Cash dividends to net income (ytd only)*20.6398%3,069
Condition Ratios (%)
Loss allowance to loans2.9978%551
Loan loss allowance to noncurrent loans1,887.5000%275
Noncurrent assets plus other real estate owned to assets1.7632%2,322
Noncurrent loans to loans0.1588%5,840
Net loans and leases to total assets58.2111%3,978
Net loans and leases to deposits76.7599%2,854
Net loans and leases to core deposits93.9215%1,583
Total domestic deposits to total assets75.8353%6,186
Equity capital to assets23.9132%109
Core capital (leverage) ratio20.5806%179
Tier 1 risk-based capital ratio34.8309%340
Total risk-based capital ratio36.1035%334
Memoranda:
Average total assets$74,816,2505,409
Average earning assets$63,620,0005,538
Average equity$17,494,0003,531
Average total loans$47,059,5005,108
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0332%3,994
Cost of funding earning assets0.3692%5,234
Net interest margin3.6640%3,111
Noninterest income to average assets4.9186%149
Noninterest expense to average assets6.1040%199
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets4.3662%49
Return on assets (ROA)4.3662%50
Pretax return on assets1.9283%703
Return on Equity (ROE)18.8168%399
Retained earnings to average equity (ytd only)15.0604%234
Net charge-offs to loans-0.3149%6,767
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.9933%2,788
Assets per employee ($millions)2.2284%6,668
Cash dividends to net income (ytd only)*19.9631%2,999
Condition Ratios (%)
Loss allowance to loans2.8553%673
Loan loss allowance to noncurrent loans1,716.4557%303
Noncurrent assets plus other real estate owned to assets1.8175%2,387
Noncurrent loans to loans0.1663%5,910
Net loans and leases to total assets60.8922%3,504
Net loans and leases to deposits79.8543%2,339
Net loans and leases to core deposits95.1080%1,430
Total domestic deposits to total assets76.2542%6,223
Equity capital to assets23.5373%107
Core capital (leverage) ratio21.1745%140
Tier 1 risk-based capital ratio33.7248%381
Total risk-based capital ratio34.9965%373
Memoranda:
Average total assets$74,573,6705,453
Average earning assets$63,373,6705,586
Average equity$17,303,6703,578
Average total loans$47,634,6705,116
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1376%3,568
Cost of funding earning assets0.3901%5,202
Net interest margin3.7475%2,673
Noninterest income to average assets4.7203%158
Noninterest expense to average assets5.9585%212
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets6.8453%35
Return on assets (ROA)6.8453%37
Pretax return on assets1.9303%688
Return on Equity (ROE)29.7201%80
Retained earnings to average equity (ytd only)23.8512%74
Net charge-offs to loans-0.2851%6,765
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.5312%3,006
Assets per employee ($millions)2.2541%6,737
Cash dividends to net income (ytd only)*19.7472%2,311
Condition Ratios (%)
Loss allowance to loans2.7590%857
Loan loss allowance to noncurrent loans1,547.0588%324
Noncurrent assets plus other real estate owned to assets3.2869%1,331
Noncurrent loans to loans0.1783%5,958
Net loans and leases to total assets62.3061%3,001
Net loans and leases to deposits81.7018%1,872
Net loans and leases to core deposits101.7207%840
Total domestic deposits to total assets76.2603%6,332
Equity capital to assets23.5905%111
Core capital (leverage) ratio20.7976%163
Tier 1 risk-based capital ratio31.6833%463
Total risk-based capital ratio32.9533%458
Memoranda:
Average total assets$73,978,0005,515
Average earning assets$62,548,5005,661
Average equity$17,039,0003,669
Average total loans$47,706,5005,143
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1561%4,751
Cost of funding earning assets0.4207%5,783
Net interest margin3.7354%3,498
Noninterest income to average assets4.2791%171
Noninterest expense to average assets6.2628%201
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets2.3222%202
Return on assets (ROA)2.3222%221
Pretax return on assets1.2598%2,571
Return on Equity (ROE)10.8672%1,846
Retained earnings to average equity (ytd only)10.8672%452
Net charge-offs to loans0.2788%3,270
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)6.9481%2,707
Efficiency ratio83.2530%1,714
Assets per employee ($millions)2.4523%6,654
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.6827%941
Loan loss allowance to noncurrent loans1,423.3333%351
Noncurrent assets plus other real estate owned to assets3.3302%1,379
Noncurrent loans to loans0.1885%5,999
Net loans and leases to total assets63.1643%3,019
Net loans and leases to deposits81.7357%2,034
Net loans and leases to core deposits102.2960%875
Total domestic deposits to total assets77.2788%6,195
Equity capital to assets22.4684%142
Core capital (leverage) ratio19.6933%205
Tier 1 risk-based capital ratio31.8311%436
Total risk-based capital ratio33.1012%429
Memoranda:
Average total assets$74,455,6005,496
Average earning assets$64,651,8005,595
Average equity$15,910,2003,786
Average total loans$48,429,4005,164
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0988%5,191
Cost of funding earning assets0.4215%5,974
Net interest margin3.6773%3,892
Noninterest income to average assets4.2547%171
Noninterest expense to average assets6.0347%209
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets2.4835%178
Return on assets (ROA)2.4835%193
Pretax return on assets1.4283%2,146
Return on Equity (ROE)11.7714%1,714
Retained earnings to average equity (ytd only)11.7714%570
Net charge-offs to loans0.3704%2,618
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)5.9258%2,891
Efficiency ratio80.8612%1,963
Assets per employee ($millions)2.5172%6,684
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.6899%992
Loan loss allowance to noncurrent loans350.0000%1,068
Noncurrent assets plus other real estate owned to assets3.6098%1,384
Noncurrent loans to loans0.7685%4,875
Net loans and leases to total assets61.3663%3,501
Net loans and leases to deposits78.7259%2,566
Net loans and leases to core deposits98.2905%1,242
Total domestic deposits to total assets77.9493%6,091
Equity capital to assets21.8189%176
Core capital (leverage) ratio19.7525%217
Tier 1 risk-based capital ratio30.9810%481
Total risk-based capital ratio32.2505%474
Memoranda:
Average total assets$74,677,0005,553
Average earning assets$65,155,0005,637
Average equity$15,755,2503,853
Average total loans$48,599,0005,216
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0840%5,375
Cost of funding earning assets0.4225%6,148
Net interest margin3.6615%3,986
Noninterest income to average assets4.2340%170
Noninterest expense to average assets6.2126%203
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets2.8254%119
Return on assets (ROA)2.8254%125
Pretax return on assets1.2366%2,780
Return on Equity (ROE)13.5485%1,220
Retained earnings to average equity (ytd only)13.5485%382
Net charge-offs to loans0.0572%4,614
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)32.8571%1,013
Efficiency ratio83.3995%1,694
Assets per employee ($millions)2.5649%6,699
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.9059%865
Loan loss allowance to noncurrent loans121.2803%2,698
Noncurrent assets plus other real estate owned to assets3.8356%1,350
Noncurrent loans to loans2.3960%2,505
Net loans and leases to total assets62.9789%3,238
Net loans and leases to deposits80.7686%2,270
Net loans and leases to core deposits100.4912%1,064
Total domestic deposits to total assets77.9745%6,157
Equity capital to assets21.6907%168
Core capital (leverage) ratio19.2802%232
Tier 1 risk-based capital ratio29.9062%525
Total risk-based capital ratio31.1782%515
Memoranda:
Average total assets$74,397,0005,594
Average earning assets$65,327,6705,666
Average equity$15,514,6703,887
Average total loans$48,924,3305,243
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0938%5,479
Cost of funding earning assets0.4319%6,244
Net interest margin3.6619%3,997
Noninterest income to average assets3.7847%180
Noninterest expense to average assets5.7470%230
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.2741%1,525
Return on assets (ROA)1.2741%1,695
Pretax return on assets1.2741%2,630
Return on Equity (ROE)6.2348%4,170
Retained earnings to average equity (ytd only)6.2348%2,824
Net charge-offs to loans-0.0081%5,891
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.8530%1,951
Assets per employee ($millions)2.4742%6,868
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.8785%929
Loan loss allowance to noncurrent loans60.7894%4,491
Noncurrent assets plus other real estate owned to assets3.9596%1,404
Noncurrent loans to loans4.7352%1,205
Net loans and leases to total assets64.4123%2,785
Net loans and leases to deposits81.7852%1,966
Net loans and leases to core deposits101.5311%887
Total domestic deposits to total assets78.7578%6,130
Equity capital to assets20.6440%204
Core capital (leverage) ratio18.4526%268
Tier 1 risk-based capital ratio28.2330%623
Total risk-based capital ratio29.5034%611
Memoranda:
Average total assets$74,404,5005,632
Average earning assets$65,758,5005,692
Average equity$15,205,0003,950
Average total loans$49,263,0005,253
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0649%6,328
Cost of funding earning assets0.5304%6,419
Net interest margin3.5345%5,003
Noninterest income to average assets2.9799%215
Noninterest expense to average assets5.9484%215
Loan and lease loss provision to assets2.2925%220
Net operating income to assets-2.1107%7,047
Return on assets (ROA)-2.1031%7,055
Pretax return on assets-2.1031%7,050
Return on Equity (ROE)-10.3332%6,748
Retained earnings to average equity (ytd only)-10.3332%6,712
Net charge-offs to loans3.0699%305
Credit loss provision to net charge-offs113.6736%2,884
Earnings coverage of net charge-offs (x)0.0901%5,763
Efficiency ratio97.0357%768
Assets per employee ($millions)2.4059%6,914
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.8723%912
Loan loss allowance to noncurrent loans68.3728%4,123
Noncurrent assets plus other real estate owned to assets3.5919%1,639
Noncurrent loans to loans4.2009%1,462
Net loans and leases to total assets64.2001%3,143
Net loans and leases to deposits81.0464%2,349
Net loans and leases to core deposits103.2696%949
Total domestic deposits to total assets79.2140%5,940
Equity capital to assets20.2282%223
Core capital (leverage) ratio17.4416%336
Tier 1 risk-based capital ratio23.7217%993
Total risk-based capital ratio24.9874%980
Memoranda:
Average total assets$78,693,0005,487
Average earning assets$70,137,2005,535
Average equity$16,016,4003,725
Average total loans$51,695,4005,204
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0161%6,557
Cost of funding earning assets0.5486%6,519
Net interest margin3.4675%5,319
Noninterest income to average assets2.9318%224
Noninterest expense to average assets6.0259%199
Loan and lease loss provision to assets3.0171%108
Net operating income to assets-3.0138%7,268
Return on assets (ROA)-3.0038%7,278
Pretax return on assets-3.0038%7,272
Return on Equity (ROE)-14.7372%7,008
Retained earnings to average equity (ytd only)-14.7372%6,983
Net charge-offs to loans0.5431%2,609
Credit loss provision to net charge-offs846.9484%317
Earnings coverage of net charge-offs (x)0.0094%5,597
Efficiency ratio99.9445%663
Assets per employee ($millions)2.3184%7,065
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans5.3506%147
Loan loss allowance to noncurrent loans79.6688%3,576
Noncurrent assets plus other real estate owned to assets4.8492%1,197
Noncurrent loans to loans6.7160%763
Net loans and leases to total assets64.5091%3,203
Net loans and leases to deposits80.4138%2,600
Net loans and leases to core deposits100.8913%1,171
Total domestic deposits to total assets80.2214%5,670
Equity capital to assets19.5368%277
Core capital (leverage) ratio17.8902%332
Tier 1 risk-based capital ratio23.1298%1,134
Total risk-based capital ratio24.4249%1,109
Memoranda:
Average total assets$79,720,2505,514
Average earning assets$71,211,5005,538
Average equity$16,248,7503,695
Average total loans$52,294,5005,222
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0235%6,628
Cost of funding earning assets0.5704%6,585
Net interest margin3.4531%5,352
Noninterest income to average assets2.9508%225
Noninterest expense to average assets5.7308%234
Loan and lease loss provision to assets0.8664%1,038
Net operating income to assets-0.5595%6,738
Return on assets (ROA)-0.5446%6,746
Pretax return on assets-0.5446%6,684
Return on Equity (ROE)-2.6375%6,558
Retained earnings to average equity (ytd only)-2.6375%6,323
Net charge-offs to loans-0.2025%7,287
Credit loss provision to net charge-offs-660.3774%6,536
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.9159%928
Assets per employee ($millions)2.1799%7,197
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.1264%808
Loan loss allowance to noncurrent loans68.8898%4,003
Noncurrent assets plus other real estate owned to assets4.2218%1,502
Noncurrent loans to loans4.5383%1,451
Net loans and leases to total assets66.9329%2,832
Net loans and leases to deposits86.3920%1,733
Net loans and leases to core deposits111.7046%660
Total domestic deposits to total assets77.4758%6,380
Equity capital to assets22.2934%172
Core capital (leverage) ratio20.1631%212
Tier 1 risk-based capital ratio25.3891%868
Total risk-based capital ratio26.6580%848
Memoranda:
Average total assets$80,791,3305,526
Average earning assets$72,226,0005,548
Average equity$16,682,6703,623
Average total loans$52,344,6705,269
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8274%6,916
Cost of funding earning assets0.5921%6,633
Net interest margin3.2353%5,966
Noninterest income to average assets2.7624%244
Noninterest expense to average assets5.5391%251
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.1331%5,999
Return on assets (ROA)0.1331%6,055
Pretax return on assets0.1331%6,094
Return on Equity (ROE)0.6682%6,224
Retained earnings to average equity (ytd only)0.6682%5,557
Net charge-offs to loans0.2041%3,285
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)1.0370%3,883
Efficiency ratio97.6530%854
Assets per employee ($millions)2.1940%7,260
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.2482%1,861
Loan loss allowance to noncurrent loans36.7892%5,844
Noncurrent assets plus other real estate owned to assets5.0732%1,237
Noncurrent loans to loans6.1110%1,025
Net loans and leases to total assets64.4632%3,361
Net loans and leases to deposits82.0799%2,350
Net loans and leases to core deposits103.7726%1,077
Total domestic deposits to total assets78.5372%6,289
Equity capital to assets21.2400%194
Core capital (leverage) ratio18.2365%322
Tier 1 risk-based capital ratio25.8218%804
Total risk-based capital ratio27.0819%781
Memoranda:
Average total assets$84,129,0005,465
Average earning assets$75,665,5005,490
Average equity$16,762,5003,597
Average total loans$52,912,5005,291
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0068%7,130
Cost of funding earning assets0.9498%5,940
Net interest margin3.0570%6,627
Noninterest income to average assets1.9536%415
Noninterest expense to average assets5.7296%264
Loan and lease loss provision to assets3.6092%202
Net operating income to assets-4.6689%7,509
Return on assets (ROA)-4.6689%7,517
Pretax return on assets-4.6689%7,517
Return on Equity (ROE)-21.8209%7,072
Retained earnings to average equity (ytd only)-21.8209%7,048
Net charge-offs to loans8.2591%33
Credit loss provision to net charge-offs65.5758%5,969
Earnings coverage of net charge-offs (x)-0.1925%6,287
Efficiency ratio122.6905%384
Assets per employee ($millions)2.4799%7,037
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.2312%1,816
Loan loss allowance to noncurrent loans34.9461%5,988
Noncurrent assets plus other real estate owned to assets4.8815%1,324
Noncurrent loans to loans6.3846%952
Net loans and leases to total assets58.8519%4,882
Net loans and leases to deposits72.6644%4,402
Net loans and leases to core deposits87.8169%3,076
Total domestic deposits to total assets80.9913%5,526
Equity capital to assets18.7611%328
Core capital (leverage) ratio15.3474%609
Tier 1 risk-based capital ratio25.1929%827
Total risk-based capital ratio26.4533%806
Memoranda:
Average total assets$89,936,2005,291
Average earning assets$79,914,2005,350
Average equity$19,243,0003,250
Average total loans$59,934,2005,074
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0492%7,248
Cost of funding earning assets0.9943%5,966
Net interest margin3.0549%6,720
Noninterest income to average assets2.1916%332
Noninterest expense to average assets5.4397%280
Loan and lease loss provision to assets3.5204%204
Net operating income to assets-4.0679%7,578
Return on assets (ROA)-4.0679%7,587
Pretax return on assets-4.0679%7,569
Return on Equity (ROE)-18.4493%7,190
Retained earnings to average equity (ytd only)-18.4493%7,170
Net charge-offs to loans7.5271%50
Credit loss provision to net charge-offs68.5393%5,456
Earnings coverage of net charge-offs (x)-0.1066%6,115
Efficiency ratio111.1918%506
Assets per employee ($millions)2.4099%7,189
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans3.1032%761
Loan loss allowance to noncurrent loans34.2414%6,044
Noncurrent assets plus other real estate owned to assets8.4731%570
Noncurrent loans to loans9.0629%528
Net loans and leases to total assets63.3836%4,239
Net loans and leases to deposits79.8598%3,478
Net loans and leases to core deposits96.9366%2,153
Total domestic deposits to total assets79.3686%5,908
Equity capital to assets20.4127%262
Core capital (leverage) ratio18.6523%318
Tier 1 risk-based capital ratio25.1853%849
Total risk-based capital ratio26.4537%826
Memoranda:
Average total assets$90,101,5005,354
Average earning assets$79,651,5005,422
Average equity$19,866,5003,204
Average total loans$61,483,0005,079
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1064%7,278
Cost of funding earning assets1.0254%6,027
Net interest margin3.0810%6,652
Noninterest income to average assets2.2121%306
Noninterest expense to average assets5.1475%341
Loan and lease loss provision to assets2.7562%387
Net operating income to assets-2.9531%7,502
Return on assets (ROA)-2.9531%7,509
Pretax return on assets-2.9531%7,459
Return on Equity (ROE)-13.0743%7,080
Retained earnings to average equity (ytd only)-13.0743%7,039
Net charge-offs to loans7.4934%75
Credit loss provision to net charge-offs53.1797%5,353
Earnings coverage of net charge-offs (x)-0.0380%5,753
Efficiency ratio103.9768%685
Assets per employee ($millions)2.7341%6,722
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.0131%811
Loan loss allowance to noncurrent loans30.6921%6,317
Noncurrent assets plus other real estate owned to assets9.1783%479
Noncurrent loans to loans9.8170%457
Net loans and leases to total assets64.3964%4,177
Net loans and leases to deposits82.5369%3,177
Net loans and leases to core deposits99.2603%2,095
Total domestic deposits to total assets78.0214%6,264
Equity capital to assets21.7403%212
Core capital (leverage) ratio20.2458%234
Tier 1 risk-based capital ratio26.7100%721
Total risk-based capital ratio27.9781%708
Memoranda:
Average total assets$90,413,6705,372
Average earning assets$80,362,6705,423
Average equity$20,421,6703,121
Average total loans$62,535,3305,079
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1309%7,347
Cost of funding earning assets1.0240%6,259
Net interest margin3.1068%6,573
Noninterest income to average assets2.1611%305
Noninterest expense to average assets4.7907%439
Loan and lease loss provision to assets1.2065%1,006
Net operating income to assets-1.0739%7,152
Return on assets (ROA)-1.0739%7,168
Pretax return on assets-1.0739%7,087
Return on Equity (ROE)-4.6675%6,864
Retained earnings to average equity (ytd only)-4.6675%6,560
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.3070%955
Assets per employee ($millions)2.8875%6,469
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans5.0111%173
Loan loss allowance to noncurrent loans45.5524%5,314
Noncurrent assets plus other real estate owned to assets9.4568%442
Noncurrent loans to loans11.0008%362
Net loans and leases to total assets65.1349%4,076
Net loans and leases to deposits87.2637%2,364
Net loans and leases to core deposits105.4823%1,619
Total domestic deposits to total assets74.6415%6,963
Equity capital to assets22.4072%197
Core capital (leverage) ratio21.7472%193
Tier 1 risk-based capital ratio27.4949%672
Total risk-based capital ratio28.7861%658
Memoranda:
Average total assets$90,508,5005,436
Average earning assets$80,467,5005,489
Average equity$20,825,0003,086
Average total loans$63,850,0005,093
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8224%6,902
Cost of funding earning assets1.1887%6,692
Net interest margin3.6337%4,411
Noninterest income to average assets2.0730%354
Noninterest expense to average assets5.3394%429
Loan and lease loss provision to assets2.6209%745
Net operating income to assets-2.5891%7,292
Return on assets (ROA)-2.5891%7,293
Pretax return on assets-2.5891%7,169
Return on Equity (ROE)-10.6447%6,666
Retained earnings to average equity (ytd only)-10.6447%6,564
Net charge-offs to loans1.8707%1,333
Credit loss provision to net charge-offs191.8542%2,077
Earnings coverage of net charge-offs (x)0.0233%6,167
Efficiency ratio99.4081%1,134
Assets per employee ($millions)2.6064%7,030
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans4.5103%248
Loan loss allowance to noncurrent loans188.3193%1,570
Noncurrent assets plus other real estate owned to assets3.7340%1,786
Noncurrent loans to loans2.3951%3,169
Net loans and leases to total assets69.3302%3,410
Net loans and leases to deposits94.6191%1,511
Net loans and leases to core deposits118.4526%2,083
Total domestic deposits to total assets73.2729%7,120
Equity capital to assets23.6363%195
Core capital (leverage) ratio21.2858%227
Tier 1 risk-based capital ratio26.3632%737
Total risk-based capital ratio27.6476%726
Memoranda:
Average total assets$94,355,4005,260
Average earning assets$85,641,8005,278
Average equity$22,950,4002,833
Average total loans$68,904,6004,909
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8047%7,109
Cost of funding earning assets1.2305%6,802
Net interest margin3.5742%4,575
Noninterest income to average assets2.1073%333
Noninterest expense to average assets5.2196%422
Loan and lease loss provision to assets-0.1420%8,075
Net operating income to assets0.1629%5,281
Return on assets (ROA)0.1629%5,339
Pretax return on assets0.2923%5,085
Return on Equity (ROE)0.6652%5,587
Retained earnings to average equity (ytd only)0.6652%4,913
Net charge-offs to loans0.3750%3,776
Credit loss provision to net charge-offs-51.7766%7,190
Earnings coverage of net charge-offs (x)0.5482%5,482
Efficiency ratio97.2006%1,198
Assets per employee ($millions)2.5619%7,125
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.1347%1,533
Loan loss allowance to noncurrent loans118.2500%2,399
Noncurrent assets plus other real estate owned to assets3.3100%2,040
Noncurrent loans to loans1.8053%3,905
Net loans and leases to total assets72.5487%2,905
Net loans and leases to deposits102.7045%867
Net loans and leases to core deposits129.1990%1,486
Total domestic deposits to total assets70.6384%7,360
Equity capital to assets26.2145%161
Core capital (leverage) ratio23.6334%196
Tier 1 risk-based capital ratio28.5560%645
Total risk-based capital ratio29.8143%628
Memoranda:
Average total assets$95,789,7505,249
Average earning assets$87,440,0005,249
Average equity$23,451,5002,812
Average total loans$70,045,5004,910
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8431%7,142
Cost of funding earning assets1.2726%6,890
Net interest margin3.5705%4,497
Noninterest income to average assets2.0730%346
Noninterest expense to average assets5.2990%424
Loan and lease loss provision to assets-0.2085%8,174
Net operating income to assets0.1411%5,448
Return on assets (ROA)0.1411%5,541
Pretax return on assets0.2576%5,310
Return on Equity (ROE)0.5889%5,762
Retained earnings to average equity (ytd only)0.5889%4,956
Net charge-offs to loans-0.2162%8,034
Credit loss provision to net charge-offs132.4675%3,529
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio99.0826%1,221
Assets per employee ($millions)2.3457%7,494
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.4360%955
Loan loss allowance to noncurrent loans126.4376%2,329
Noncurrent assets plus other real estate owned to assets2.4672%2,617
Noncurrent loans to loans1.9266%3,634
Net loans and leases to total assets74.1206%2,671
Net loans and leases to deposits104.6517%862
Net loans and leases to core deposits149.8530%660
Total domestic deposits to total assets70.8260%7,388
Equity capital to assets25.6378%189
Core capital (leverage) ratio23.8012%231
Tier 1 risk-based capital ratio27.6037%741
Total risk-based capital ratio28.8645%720
Memoranda:
Average total assets$97,830,3305,219
Average earning assets$89,736,0005,211
Average equity$23,433,3302,820
Average total loans$71,236,6704,911
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8157%7,347
Cost of funding earning assets1.3415%6,901
Net interest margin3.4741%4,833
Noninterest income to average assets1.9088%392
Noninterest expense to average assets5.0453%473
Loan and lease loss provision to assets-0.4039%8,222
Net operating income to assets0.2733%5,400
Return on assets (ROA)0.2733%5,567
Pretax return on assets0.4673%5,185
Return on Equity (ROE)1.1783%6,072
Retained earnings to average equity (ytd only)1.1783%5,166
Net charge-offs to loans-0.9930%8,159
Credit loss provision to net charge-offs56.9832%4,570
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.7597%1,184
Assets per employee ($millions)2.4611%7,354
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.5363%737
Loan loss allowance to noncurrent loans77.5043%3,780
Noncurrent assets plus other real estate owned to assets2.4130%2,376
Noncurrent loans to loans3.2724%1,965
Net loans and leases to total assets71.8663%3,270
Net loans and leases to deposits100.3229%1,372
Net loans and leases to core deposits143.5128%952
Total domestic deposits to total assets71.6350%7,261
Equity capital to assets24.4361%234
Core capital (leverage) ratio22.7474%289
Tier 1 risk-based capital ratio26.8789%827
Total risk-based capital ratio28.1405%807
Memoranda:
Average total assets$101,004,5005,151
Average earning assets$93,030,0005,116
Average equity$23,423,0002,825
Average total loans$72,105,0004,902
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4484%7,398
Cost of funding earning assets2.1112%5,996
Net interest margin3.3371%5,911
Noninterest income to average assets2.4092%267
Noninterest expense to average assets5.9313%413
Loan and lease loss provision to assets2.9498%311
Net operating income to assets-2.0899%7,625
Return on assets (ROA)-2.1994%7,607
Pretax return on assets-3.5801%7,820
Return on Equity (ROE)-8.6714%7,172
Retained earnings to average equity (ytd only)-8.6714%6,939
Net charge-offs to loans2.4644%396
Credit loss provision to net charge-offs171.1164%2,988
Earnings coverage of net charge-offs (x)-0.2664%6,403
Efficiency ratio108.3923%746
Assets per employee ($millions)2.9452%6,184
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans2.3394%804
Loan loss allowance to noncurrent loans73.3874%4,403
Noncurrent assets plus other real estate owned to assets2.2079%2,211
Noncurrent loans to loans3.1878%1,653
Net loans and leases to total assets67.6416%4,529
Net loans and leases to deposits89.0145%3,632
Net loans and leases to core deposits115.6870%3,156
Total domestic deposits to total assets75.9894%6,241
Equity capital to assets22.0621%350
Core capital (leverage) ratio20.2197%430
Tier 1 risk-based capital ratio25.0375%983
Total risk-based capital ratio26.2963%964
Memoranda:
Average total assets$98,208,6005,109
Average earning assets$90,136,8005,075
Average equity$24,909,4002,644
Average total loans$68,697,6004,919