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Integrity Bank Plus, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5777%526
Cost of funding earning assets0.2542%2,876
Net interest margin4.3235%382
Noninterest income to average assets0.1137%4,552
Noninterest expense to average assets3.1008%838
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.9841%2,739
Return on assets (ROA)0.9602%2,901
Pretax return on assets1.0595%3,107
Return on Equity (ROE)9.4580%2,733
Retained earnings to average equity (ytd only)0.2948%4,418
Net charge-offs to loans-0.0038%3,488
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0635%1,293
Assets per employee ($millions)6.0645%2,700
Cash dividends to net income (ytd only)*96.8828%250
Condition Ratios (%)
Loss allowance to loans1.9653%640
Loan loss allowance to noncurrent loans29.0070%4,036
Noncurrent assets plus other real estate owned to assets4.3650%37
Noncurrent loans to loans6.7751%38
Net loans and leases to total assets63.1603%1,798
Net loans and leases to deposits70.5778%2,066
Net loans and leases to core deposits71.4790%2,304
Total domestic deposits to total assets89.4904%1,244
Equity capital to assets9.4743%3,168
Core capital (leverage) ratio8.6861%3,737
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9235%2,272
Memoranda:
Average total assets$83,528,0004,170
Average earning assets$78,686,0004,145
Average equity$8,479,6004,294
Average total loans$52,743,6003,950
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7736%429
Cost of funding earning assets0.2706%2,888
Net interest margin4.5030%313
Noninterest income to average assets0.1122%4,617
Noninterest expense to average assets2.9187%1,095
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.4345%1,430
Return on assets (ROA)1.4345%1,499
Pretax return on assets1.4345%2,196
Return on Equity (ROE)13.8942%1,423
Retained earnings to average equity (ytd only)4.9833%3,229
Net charge-offs to loans-0.0026%3,265
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0471%1,967
Assets per employee ($millions)6.2004%2,501
Cash dividends to net income (ytd only)*64.1341%732
Condition Ratios (%)
Loss allowance to loans2.0000%631
Loan loss allowance to noncurrent loans28.3223%4,141
Noncurrent assets plus other real estate owned to assets4.3603%39
Noncurrent loans to loans7.0617%38
Net loans and leases to total assets60.5108%2,194
Net loans and leases to deposits67.9284%2,441
Net loans and leases to core deposits68.7805%2,710
Total domestic deposits to total assets89.0802%1,234
Equity capital to assets9.7896%3,111
Core capital (leverage) ratio9.1262%3,413
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0522%1,952
Memoranda:
Average total assets$83,184,2504,224
Average earning assets$78,345,0004,201
Average equity$8,588,5004,341
Average total loans$52,254,5004,009
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3040%220
Cost of funding earning assets0.2854%2,915
Net interest margin5.0185%164
Noninterest income to average assets0.1025%4,682
Noninterest expense to average assets3.0399%919
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.7810%742
Return on assets (ROA)1.7810%781
Pretax return on assets1.7810%1,278
Return on Equity (ROE)16.9400%794
Retained earnings to average equity (ytd only)15.8029%351
Net charge-offs to loans-0.0039%3,349
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.0567%2,563
Assets per employee ($millions)5.7154%2,877
Cash dividends to net income (ytd only)*6.7123%2,955
Condition Ratios (%)
Loss allowance to loans1.9656%650
Loan loss allowance to noncurrent loans28.1801%4,178
Noncurrent assets plus other real estate owned to assets4.4290%48
Noncurrent loans to loans6.9753%42
Net loans and leases to total assets62.2470%2,148
Net loans and leases to deposits70.2809%2,378
Net loans and leases to core deposits71.1780%2,673
Total domestic deposits to total assets88.5689%1,533
Equity capital to assets10.3253%2,556
Core capital (leverage) ratio9.6865%2,724
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.3952%1,504
Memoranda:
Average total assets$81,977,0004,264
Average earning assets$77,074,3334,244
Average equity$8,618,6674,360
Average total loans$51,806,3334,044
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9055%125
Cost of funding earning assets0.3133%2,860
Net interest margin5.5922%90
Noninterest income to average assets0.0999%4,686
Noninterest expense to average assets2.8365%1,289
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets2.5218%256
Return on assets (ROA)2.5218%278
Pretax return on assets2.5218%422
Return on Equity (ROE)23.7591%304
Retained earnings to average equity (ytd only)22.6300%189
Net charge-offs to loans-0.0079%3,574
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.9357%3,922
Assets per employee ($millions)5.6297%2,992
Cash dividends to net income (ytd only)*4.7525%2,347
Condition Ratios (%)
Loss allowance to loans2.0721%523
Loan loss allowance to noncurrent loans27.5765%4,238
Noncurrent assets plus other real estate owned to assets4.6077%44
Noncurrent loans to loans7.5140%38
Net loans and leases to total assets60.0509%2,539
Net loans and leases to deposits67.7470%2,726
Net loans and leases to core deposits68.3884%3,029
Total domestic deposits to total assets88.6399%1,539
Equity capital to assets10.2682%2,460
Core capital (leverage) ratio9.8386%2,692
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2153%1,501
Memoranda:
Average total assets$80,100,0004,305
Average earning assets$75,319,5004,286
Average equity$8,502,0004,387
Average total loans$50,492,0004,090
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4672%1,393
Cost of funding earning assets0.5421%2,664
Net interest margin3.9251%1,149
Noninterest income to average assets0.1074%4,720
Noninterest expense to average assets2.8073%1,922
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets1.0017%2,287
Return on assets (ROA)1.0003%2,435
Pretax return on assets1.0017%3,043
Return on Equity (ROE)8.7410%2,501
Retained earnings to average equity (ytd only)3.9013%2,873
Net charge-offs to loans-0.0042%4,088
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.6745%1,488
Assets per employee ($millions)5.0503%3,340
Cash dividends to net income (ytd only)*55.3672%1,567
Condition Ratios (%)
Loss allowance to loans2.1788%428
Loan loss allowance to noncurrent loans22.8279%4,345
Noncurrent assets plus other real estate owned to assets6.1989%28
Noncurrent loans to loans9.5445%26
Net loans and leases to total assets63.5324%2,428
Net loans and leases to deposits72.2972%2,653
Net loans and leases to core deposits73.0666%2,993
Total domestic deposits to total assets87.8767%1,545
Equity capital to assets10.9999%2,251
Core capital (leverage) ratio10.2372%2,372
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9188%1,560
Memoranda:
Average total assets$70,779,2004,373
Average earning assets$66,775,0004,342
Average equity$8,099,8004,410
Average total loans$47,774,8004,148
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6392%1,206
Cost of funding earning assets0.5852%2,707
Net interest margin4.0540%992
Noninterest income to average assets0.1381%4,610
Noninterest expense to average assets2.8244%1,904
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets1.1505%1,818
Return on assets (ROA)1.1505%1,934
Pretax return on assets1.1524%2,560
Return on Equity (ROE)9.9481%2,035
Retained earnings to average equity (ytd only)3.4487%3,336
Net charge-offs to loans-0.0028%3,936
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0222%1,751
Assets per employee ($millions)4.8024%3,484
Cash dividends to net income (ytd only)*65.3333%951
Condition Ratios (%)
Loss allowance to loans2.1103%411
Loan loss allowance to noncurrent loans28.3333%4,327
Noncurrent assets plus other real estate owned to assets5.2474%52
Noncurrent loans to loans7.4483%49
Net loans and leases to total assets68.9641%2,116
Net loans and leases to deposits79.0086%2,421
Net loans and leases to core deposits80.5601%2,795
Total domestic deposits to total assets87.2869%1,547
Equity capital to assets11.4221%2,071
Core capital (leverage) ratio10.4235%2,315
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1488%1,464
Memoranda:
Average total assets$69,535,2504,402
Average earning assets$65,843,5004,366
Average equity$8,041,5004,436
Average total loans$47,418,2504,180
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8166%1,129
Cost of funding earning assets0.6204%2,861
Net interest margin4.1961%934
Noninterest income to average assets0.1397%4,603
Noninterest expense to average assets2.8908%1,850
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.2460%1,506
Return on assets (ROA)1.2460%1,625
Pretax return on assets1.2460%2,198
Return on Equity (ROE)10.7277%1,727
Retained earnings to average equity (ytd only)4.1858%2,827
Net charge-offs to loans-0.0043%3,970
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8804%1,975
Assets per employee ($millions)4.9009%3,298
Cash dividends to net income (ytd only)*60.9813%1,212
Condition Ratios (%)
Loss allowance to loans2.1613%355
Loan loss allowance to noncurrent loans28.4355%4,380
Noncurrent assets plus other real estate owned to assets5.1473%52
Noncurrent loans to loans7.6005%50
Net loans and leases to total assets66.2595%2,589
Net loans and leases to deposits76.5375%2,801
Net loans and leases to core deposits77.3862%3,163
Total domestic deposits to total assets86.5713%1,780
Equity capital to assets11.1421%2,217
Core capital (leverage) ratio10.9431%2,007
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.3822%1,397
Memoranda:
Average total assets$68,701,6674,418
Average earning assets$65,441,0004,383
Average equity$7,979,3334,457
Average total loans$46,307,6674,207
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0376%895
Cost of funding earning assets0.6998%2,929
Net interest margin4.3377%707
Noninterest income to average assets0.1810%4,457
Noninterest expense to average assets3.1194%1,588
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.2128%1,474
Return on assets (ROA)1.2128%1,587
Pretax return on assets1.2128%2,144
Return on Equity (ROE)10.2115%1,675
Retained earnings to average equity (ytd only)3.5562%2,869
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0056%2,074
Assets per employee ($millions)4.7296%2,955
Cash dividends to net income (ytd only)*65.1741%1,285
Condition Ratios (%)
Loss allowance to loans2.3331%313
Loan loss allowance to noncurrent loans129.7590%2,813
Noncurrent assets plus other real estate owned to assets1.2535%961
Noncurrent loans to loans1.7981%838
Net loans and leases to total assets68.0883%2,526
Net loans and leases to deposits78.6120%2,822
Net loans and leases to core deposits80.1379%3,184
Total domestic deposits to total assets86.6131%1,731
Equity capital to assets12.0730%2,016
Core capital (leverage) ratio11.2149%2,306
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.3134%1,274
Memoranda:
Average total assets$66,295,5004,464
Average earning assets$63,443,5004,429
Average equity$7,873,5004,496
Average total loans$44,568,5004,262
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1949%1,006
Cost of funding earning assets0.6367%3,473
Net interest margin4.5582%635
Noninterest income to average assets0.0065%5,117
Noninterest expense to average assets3.0612%1,848
Loan and lease loss provision to assets-0.4043%5,159
Net operating income to assets1.6543%733
Return on assets (ROA)1.6543%782
Pretax return on assets1.6559%1,320
Return on Equity (ROE)13.5014%1,008
Retained earnings to average equity (ytd only)1.3066%4,272
Net charge-offs to loans-0.7447%5,129
Credit loss provision to net charge-offs76.6871%2,834
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.9786%2,028
Assets per employee ($millions)4.7412%2,907
Cash dividends to net income (ytd only)*90.3226%513
Condition Ratios (%)
Loss allowance to loans2.5060%218
Loan loss allowance to noncurrent loans321.4925%1,439
Noncurrent assets plus other real estate owned to assets0.5047%2,398
Noncurrent loans to loans0.7795%1,950
Net loans and leases to total assets63.1228%3,302
Net loans and leases to deposits72.2571%3,502
Net loans and leases to core deposits73.1273%3,788
Total domestic deposits to total assets87.3586%1,428
Equity capital to assets11.6803%2,368
Core capital (leverage) ratio11.3835%2,198
Tier 1 risk-based capital ratio16.9401%2,068
Total risk-based capital ratio18.2034%2,013
Memoranda:
Average total assets$61,837,8004,566
Average earning assets$58,422,8004,550
Average equity$7,577,0004,558
Average total loans$43,776,2004,312
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2100%1,025
Cost of funding earning assets0.6001%3,701
Net interest margin4.6099%606
Noninterest income to average assets0.1472%4,812
Noninterest expense to average assets2.9498%2,102
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.5485%1,066
Return on assets (ROA)1.5485%1,119
Pretax return on assets1.5507%1,812
Return on Equity (ROE)12.4782%1,454
Retained earnings to average equity (ytd only)0.4071%4,687
Net charge-offs to loans-0.3032%5,154
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5442%2,790
Assets per employee ($millions)4.5406%3,136
Cash dividends to net income (ytd only)*96.7372%358
Condition Ratios (%)
Loss allowance to loans2.5087%215
Loan loss allowance to noncurrent loans96.6667%3,383
Noncurrent assets plus other real estate owned to assets1.7933%553
Noncurrent loans to loans2.5952%430
Net loans and leases to total assets67.3693%2,880
Net loans and leases to deposits77.5328%3,149
Net loans and leases to core deposits78.5121%3,509
Total domestic deposits to total assets86.8914%1,577
Equity capital to assets12.0420%2,225
Core capital (leverage) ratio12.0594%1,811
Tier 1 risk-based capital ratio16.3325%2,321
Total risk-based capital ratio17.5974%2,249
Memoranda:
Average total assets$60,703,0004,647
Average earning assets$57,324,5004,628
Average equity$7,533,0004,618
Average total loans$43,976,2504,363
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2797%849
Cost of funding earning assets0.5729%3,779
Net interest margin4.7068%487
Noninterest income to average assets0.1372%4,885
Noninterest expense to average assets2.9424%2,161
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.6469%816
Return on assets (ROA)1.6469%850
Pretax return on assets1.6503%1,392
Return on Equity (ROE)13.1334%1,199
Retained earnings to average equity (ytd only)-3.4435%4,991
Net charge-offs to loans-0.4546%5,219
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.0671%3,123
Assets per employee ($millions)4.2332%3,519
Cash dividends to net income (ytd only)*126.2195%227
Condition Ratios (%)
Loss allowance to loans2.4233%246
Loan loss allowance to noncurrent loans96.1572%3,399
Noncurrent assets plus other real estate owned to assets1.9320%489
Noncurrent loans to loans2.5202%473
Net loans and leases to total assets74.8030%1,754
Net loans and leases to deposits87.9533%2,014
Net loans and leases to core deposits88.4941%2,748
Total domestic deposits to total assets85.0485%2,453
Equity capital to assets12.6365%1,781
Core capital (leverage) ratio12.1200%1,742
Tier 1 risk-based capital ratio15.8117%2,497
Total risk-based capital ratio17.0762%2,422
Memoranda:
Average total assets$59,747,6704,699
Average earning assets$56,556,6704,677
Average equity$7,492,3304,649
Average total loans$43,992,3304,390
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2035%908
Cost of funding earning assets0.5083%4,023
Net interest margin4.6952%499
Noninterest income to average assets0.1334%4,930
Noninterest expense to average assets2.9605%2,103
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.6003%897
Return on assets (ROA)1.6003%928
Pretax return on assets1.6070%1,455
Return on Equity (ROE)12.8102%1,277
Retained earnings to average equity (ytd only)9.6077%1,133
Net charge-offs to loans-0.9151%5,302
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.8175%3,112
Assets per employee ($millions)4.5460%3,122
Cash dividends to net income (ytd only)*25.0000%2,350
Condition Ratios (%)
Loss allowance to loans2.5184%239
Loan loss allowance to noncurrent loans86.3529%3,592
Noncurrent assets plus other real estate owned to assets2.1574%416
Noncurrent loans to loans2.9164%387
Net loans and leases to total assets72.1141%2,139
Net loans and leases to deposits83.7980%2,411
Net loans and leases to core deposits84.3069%2,998
Total domestic deposits to total assets86.0571%2,258
Equity capital to assets12.9903%1,461
Core capital (leverage) ratio12.6131%1,452
Tier 1 risk-based capital ratio16.9199%2,129
Total risk-based capital ratio18.1839%2,077
Memoranda:
Average total assets$59,989,0004,748
Average earning assets$56,654,0004,729
Average equity$7,494,0004,682
Average total loans$43,272,0004,452
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0331%977
Cost of funding earning assets0.4740%3,520
Net interest margin4.5591%676
Noninterest income to average assets0.1166%5,090
Noninterest expense to average assets3.1135%1,762
Loan and lease loss provision to assets0.0500%3,186
Net operating income to assets1.2311%2,044
Return on assets (ROA)1.1528%2,374
Pretax return on assets1.1528%3,087
Return on Equity (ROE)9.6632%2,657
Retained earnings to average equity (ytd only)4.0217%3,354
Net charge-offs to loans-0.9055%5,358
Credit loss provision to net charge-offs-7.9576%4,265
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8491%2,064
Assets per employee ($millions)4.6831%2,902
Cash dividends to net income (ytd only)*58.3815%1,571
Condition Ratios (%)
Loss allowance to loans2.3374%270
Loan loss allowance to noncurrent loans515.9794%1,069
Noncurrent assets plus other real estate owned to assets0.3187%3,279
Noncurrent loans to loans0.4530%2,912
Net loans and leases to total assets68.6991%2,778
Net loans and leases to deposits83.8947%2,521
Net loans and leases to core deposits84.4128%3,043
Total domestic deposits to total assets81.8873%3,673
Equity capital to assets12.0089%1,887
Core capital (leverage) ratio12.0829%1,679
Tier 1 risk-based capital ratio16.5570%2,224
Total risk-based capital ratio17.8180%2,165
Memoranda:
Average total assets$60,028,8004,762
Average earning assets$56,327,0004,741
Average equity$7,161,2004,722
Average total loans$41,636,2004,504
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0264%891
Cost of funding earning assets0.4420%3,585
Net interest margin4.5843%618
Noninterest income to average assets0.1181%5,140
Noninterest expense to average assets3.0783%1,818
Loan and lease loss provision to assets0.0669%2,644
Net operating income to assets1.2728%1,958
Return on assets (ROA)1.2304%2,122
Pretax return on assets1.2304%2,881
Return on Equity (ROE)10.3314%2,466
Retained earnings to average equity (ytd only)8.0293%1,639
Net charge-offs to loans-1.1289%5,433
Credit loss provision to net charge-offs-8.5714%4,080
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.6771%2,244
Assets per employee ($millions)4.6118%2,965
Cash dividends to net income (ytd only)*22.2832%2,912
Condition Ratios (%)
Loss allowance to loans2.2219%348
Loan loss allowance to noncurrent loans356.7766%1,454
Noncurrent assets plus other real estate owned to assets0.4554%2,868
Noncurrent loans to loans0.6228%2,533
Net loans and leases to total assets71.4927%2,410
Net loans and leases to deposits94.0534%1,374
Net loans and leases to core deposits94.6871%2,234
Total domestic deposits to total assets76.0129%4,789
Equity capital to assets12.1562%1,798
Core capital (leverage) ratio12.3299%1,590
Tier 1 risk-based capital ratio16.7503%2,182
Total risk-based capital ratio18.0106%2,130
Memoranda:
Average total assets$59,816,0004,821
Average earning assets$56,102,7504,801
Average equity$7,123,7504,776
Average total loans$41,339,0004,558
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9697%873
Cost of funding earning assets0.3916%3,792
Net interest margin4.5781%583
Noninterest income to average assets0.1104%5,232
Noninterest expense to average assets3.2424%1,447
Loan and lease loss provision to assets0.1004%1,940
Net operating income to assets1.0708%2,709
Return on assets (ROA)1.0607%2,752
Pretax return on assets1.0607%3,472
Return on Equity (ROE)8.9687%3,034
Retained earnings to average equity (ytd only)2.4897%4,265
Net charge-offs to loans-1.7824%5,499
Credit loss provision to net charge-offs-8.3102%3,929
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.4647%1,788
Assets per employee ($millions)4.2523%3,491
Cash dividends to net income (ytd only)*72.2397%929
Condition Ratios (%)
Loss allowance to loans2.3011%315
Loan loss allowance to noncurrent loans462.4413%1,161
Noncurrent assets plus other real estate owned to assets0.3578%3,314
Noncurrent loans to loans0.4976%2,935
Net loans and leases to total assets70.2496%2,542
Net loans and leases to deposits87.2853%2,185
Net loans and leases to core deposits87.8426%2,733
Total domestic deposits to total assets80.4828%4,143
Equity capital to assets11.9482%1,885
Core capital (leverage) ratio12.1162%1,640
Tier 1 risk-based capital ratio16.4001%2,293
Total risk-based capital ratio17.6610%2,232
Memoranda:
Average total assets$59,770,3304,878
Average earning assets$56,180,0004,854
Average equity$7,069,0004,834
Average total loans$40,506,6704,623
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7656%1,151
Cost of funding earning assets0.3353%4,098
Net interest margin4.4303%718
Noninterest income to average assets0.1269%5,228
Noninterest expense to average assets3.3061%1,334
Loan and lease loss provision to assets0.1002%1,853
Net operating income to assets0.8683%3,423
Return on assets (ROA)0.8683%3,438
Pretax return on assets0.8683%3,953
Return on Equity (ROE)7.3790%3,641
Retained earnings to average equity (ytd only)-4.4274%5,173
Net charge-offs to loans-0.1321%5,293
Credit loss provision to net charge-offs-115.3846%3,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.3438%1,417
Assets per employee ($millions)4.2072%3,638
Cash dividends to net income (ytd only)*160.0000%279
Condition Ratios (%)
Loss allowance to loans1.5794%1,209
Loan loss allowance to noncurrent loans181.1047%2,432
Noncurrent assets plus other real estate owned to assets0.5840%2,576
Noncurrent loans to loans0.8721%2,076
Net loans and leases to total assets65.9123%3,045
Net loans and leases to deposits80.4889%2,755
Net loans and leases to core deposits84.9036%2,904
Total domestic deposits to total assets81.8900%4,000
Equity capital to assets11.7944%1,919
Core capital (leverage) ratio11.7224%1,832
Tier 1 risk-based capital ratio16.6554%2,225
Total risk-based capital ratio17.9077%2,172
Memoranda:
Average total assets$59,889,5004,929
Average earning assets$56,068,0004,910
Average equity$7,047,0004,890
Average total loans$39,357,0004,707
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7443%1,090
Cost of funding earning assets0.2771%4,348
Net interest margin4.4671%672
Noninterest income to average assets0.1294%5,298
Noninterest expense to average assets3.0796%1,919
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets1.2473%1,369
Return on assets (ROA)1.2111%1,512
Pretax return on assets1.2128%2,719
Return on Equity (ROE)9.7908%1,985
Retained earnings to average equity (ytd only)1.9805%4,134
Net charge-offs to loans0.8981%216
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)2.0627%3,804
Efficiency ratio71.1439%2,370
Assets per employee ($millions)4.6829%2,890
Cash dividends to net income (ytd only)*79.7721%852
Condition Ratios (%)
Loss allowance to loans1.5127%1,366
Loan loss allowance to noncurrent loans165.0000%2,627
Noncurrent assets plus other real estate owned to assets0.5913%2,582
Noncurrent loans to loans0.9168%1,947
Net loans and leases to total assets63.5271%3,417
Net loans and leases to deposits76.5852%3,273
Net loans and leases to core deposits77.0460%3,663
Total domestic deposits to total assets82.9495%3,578
Equity capital to assets11.7399%2,007
Core capital (leverage) ratio12.1545%1,530
Tier 1 risk-based capital ratio16.3631%2,313
Total risk-based capital ratio17.6139%2,249
Memoranda:
Average total assets$57,963,0005,005
Average earning assets$54,487,0004,985
Average equity$7,170,0004,914
Average total loans$39,081,4004,752
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8211%888
Cost of funding earning assets0.2788%4,328
Net interest margin4.5423%544
Noninterest income to average assets0.1538%5,249
Noninterest expense to average assets3.0377%2,008
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.4024%1,078
Return on assets (ROA)1.4024%1,104
Pretax return on assets1.4047%2,103
Return on Equity (ROE)11.1856%1,614
Retained earnings to average equity (ytd only)4.3850%3,289
Net charge-offs to loans-0.3894%5,633
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.3797%2,806
Assets per employee ($millions)3.9778%4,021
Cash dividends to net income (ytd only)*60.7974%1,309
Condition Ratios (%)
Loss allowance to loans2.9141%172
Loan loss allowance to noncurrent loans241.7808%1,911
Noncurrent assets plus other real estate owned to assets0.7865%2,169
Noncurrent loans to loans1.2053%1,579
Net loans and leases to total assets63.3536%3,509
Net loans and leases to deposits76.3476%3,341
Net loans and leases to core deposits76.8482%3,738
Total domestic deposits to total assets82.9805%3,456
Equity capital to assets13.2881%1,256
Core capital (leverage) ratio12.4565%1,434
Tier 1 risk-based capital ratio18.0728%1,837
Total risk-based capital ratio19.3398%1,788
Memoranda:
Average total assets$57,234,2505,073
Average earning assets$54,039,0005,046
Average equity$7,175,7504,966
Average total loans$39,034,7504,807
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8076%849
Cost of funding earning assets0.2863%4,224
Net interest margin4.5214%541
Noninterest income to average assets0.1351%5,377
Noninterest expense to average assets2.9680%2,202
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.4338%993
Return on assets (ROA)1.4338%1,022
Pretax return on assets1.4338%1,882
Return on Equity (ROE)11.6603%1,399
Retained earnings to average equity (ytd only)1.3519%4,712
Net charge-offs to loans-0.5710%5,699
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4272%3,110
Assets per employee ($millions)4.0869%3,810
Cash dividends to net income (ytd only)*88.4058%652
Condition Ratios (%)
Loss allowance to loans2.7360%214
Loan loss allowance to noncurrent loans236.3839%1,925
Noncurrent assets plus other real estate owned to assets0.7830%2,252
Noncurrent loans to loans1.1574%1,691
Net loans and leases to total assets65.7969%3,137
Net loans and leases to deposits78.5229%3,064
Net loans and leases to core deposits79.4391%3,465
Total domestic deposits to total assets83.7933%3,285
Equity capital to assets12.6466%1,546
Core capital (leverage) ratio12.0352%1,617
Tier 1 risk-based capital ratio16.7114%2,234
Total risk-based capital ratio17.9768%2,188
Memoranda:
Average total assets$57,749,3305,105
Average earning assets$54,496,6705,076
Average equity$7,101,0005,004
Average total loans$39,933,0004,811
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0654%471
Cost of funding earning assets0.3284%3,764
Net interest margin4.7369%355
Noninterest income to average assets0.1310%5,461
Noninterest expense to average assets2.7234%3,058
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.8823%380
Return on assets (ROA)1.8823%395
Pretax return on assets1.8823%669
Return on Equity (ROE)15.5257%586
Retained earnings to average equity (ytd only)-5.2890%5,402
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1317%4,576
Assets per employee ($millions)4.1768%3,703
Cash dividends to net income (ytd only)*134.0659%462
Condition Ratios (%)
Loss allowance to loans2.5113%307
Loan loss allowance to noncurrent loans229.9270%2,017
Noncurrent assets plus other real estate owned to assets0.7029%2,532
Noncurrent loans to loans1.0922%1,874
Net loans and leases to total assets62.7362%3,437
Net loans and leases to deposits74.4163%3,363
Net loans and leases to core deposits75.2019%3,721
Total domestic deposits to total assets84.3044%3,359
Equity capital to assets11.9880%1,857
Core capital (leverage) ratio11.4121%2,013
Tier 1 risk-based capital ratio17.0738%2,165
Total risk-based capital ratio18.3376%2,108
Memoranda:
Average total assets$58,015,5005,153
Average earning assets$54,803,5005,128
Average equity$7,033,5005,056
Average total loans$40,546,5004,830
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9456%132
Cost of funding earning assets0.3440%3,593
Net interest margin5.6016%95
Noninterest income to average assets0.1396%5,489
Noninterest expense to average assets3.5935%1,024
Loan and lease loss provision to assets0.5585%238
Net operating income to assets1.2723%1,294
Return on assets (ROA)1.2723%1,366
Pretax return on assets1.2740%2,382
Return on Equity (ROE)10.6976%1,692
Retained earnings to average equity (ytd only)9.4503%506
Net charge-offs to loans0.8182%248
Credit loss provision to net charge-offs83.9895%2,911
Earnings coverage of net charge-offs (x)2.7559%3,777
Efficiency ratio66.2271%3,563
Assets per employee ($millions)4.1111%3,765
Cash dividends to net income (ytd only)*11.6598%3,989
Condition Ratios (%)
Loss allowance to loans2.1743%483
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets73.8724%1,868
Net loans and leases to deposits89.8084%1,711
Net loans and leases to core deposits90.3658%2,471
Total domestic deposits to total assets82.2555%4,006
Equity capital to assets12.2611%1,653
Core capital (leverage) ratio11.8603%1,688
Tier 1 risk-based capital ratio15.7277%2,662
Total risk-based capital ratio16.9880%2,580
Memoranda:
Average total assets$57,297,8005,206
Average earning assets$54,073,4005,170
Average equity$6,814,6005,132
Average total loans$46,565,6004,678
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1651%103
Cost of funding earning assets0.3459%3,579
Net interest margin5.8192%76
Noninterest income to average assets0.1514%5,514
Noninterest expense to average assets3.8042%741
Loan and lease loss provision to assets0.6756%167
Net operating income to assets1.1555%1,784
Return on assets (ROA)1.1555%1,883
Pretax return on assets1.1578%3,011
Return on Equity (ROE)9.7915%2,147
Retained earnings to average equity (ytd only)8.1136%1,130
Net charge-offs to loans-0.3323%5,847
Credit loss provision to net charge-offs-245.7627%4,914
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4793%3,320
Assets per employee ($millions)3.9622%4,031
Cash dividends to net income (ytd only)*17.1369%3,335
Condition Ratios (%)
Loss allowance to loans3.1352%161
Loan loss allowance to noncurrent loans499.6466%1,061
Noncurrent assets plus other real estate owned to assets0.5102%3,411
Noncurrent loans to loans0.6275%3,129
Net loans and leases to total assets78.7565%1,072
Net loans and leases to deposits96.4606%1,004
Net loans and leases to core deposits97.0844%1,898
Total domestic deposits to total assets81.6463%4,058
Equity capital to assets12.5651%1,738
Core capital (leverage) ratio11.5287%2,001
Tier 1 risk-based capital ratio15.4614%2,847
Total risk-based capital ratio16.7352%2,772
Memoranda:
Average total assets$57,233,2505,249
Average earning assets$53,958,2505,217
Average equity$6,754,0005,190
Average total loans$47,341,2504,691
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5260%244
Cost of funding earning assets0.3490%3,583
Net interest margin5.1769%176
Noninterest income to average assets0.1695%5,472
Noninterest expense to average assets3.8325%737
Loan and lease loss provision to assets0.2075%1,032
Net operating income to assets1.0031%2,384
Return on assets (ROA)1.0031%2,516
Pretax return on assets1.0031%3,571
Return on Equity (ROE)8.6800%2,645
Retained earnings to average equity (ytd only)6.1359%2,048
Net charge-offs to loans-0.0499%5,367
Credit loss provision to net charge-offs-500.0000%4,925
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.9945%2,077
Assets per employee ($millions)3.8094%4,249
Cash dividends to net income (ytd only)*29.3103%2,872
Condition Ratios (%)
Loss allowance to loans2.3389%438
Loan loss allowance to noncurrent loans266.8317%1,802
Noncurrent assets plus other real estate owned to assets0.7070%2,861
Noncurrent loans to loans0.8765%2,546
Net loans and leases to total assets78.7736%1,104
Net loans and leases to deposits97.4497%935
Net loans and leases to core deposits98.0675%1,801
Total domestic deposits to total assets80.8351%4,321
Equity capital to assets11.8671%2,219
Core capital (leverage) ratio11.1382%2,291
Tier 1 risk-based capital ratio14.1012%3,548
Total risk-based capital ratio15.3636%3,451
Memoranda:
Average total assets$57,820,6705,294
Average earning assets$54,433,6705,262
Average equity$6,682,0005,251
Average total loans$48,088,0004,712
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7455%175
Cost of funding earning assets0.3306%3,837
Net interest margin5.4148%131
Noninterest income to average assets0.1926%5,352
Noninterest expense to average assets3.5557%1,092
Loan and lease loss provision to assets0.2063%946
Net operating income to assets1.4924%873
Return on assets (ROA)1.4924%914
Pretax return on assets1.4993%1,588
Return on Equity (ROE)13.0871%1,021
Retained earnings to average equity (ytd only)13.0871%384
Net charge-offs to loans-0.0570%5,390
Credit loss provision to net charge-offs-428.5714%4,516
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5817%3,532
Assets per employee ($millions)3.6346%4,581
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans2.1460%631
Loan loss allowance to noncurrent loans204.5098%2,201
Noncurrent assets plus other real estate owned to assets0.8770%2,495
Noncurrent loans to loans1.0493%2,295
Net loans and leases to total assets81.7843%588
Net loans and leases to deposits100.6369%587
Net loans and leases to core deposits101.2432%1,392
Total domestic deposits to total assets81.2667%4,414
Equity capital to assets11.6348%2,304
Core capital (leverage) ratio10.9576%2,443
Tier 1 risk-based capital ratio13.6235%3,915
Total risk-based capital ratio14.8838%3,838
Memoranda:
Average total assets$58,160,5005,335
Average earning assets$54,443,0005,307
Average equity$6,632,5005,295
Average total loans$49,087,0004,704
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6182%227
Cost of funding earning assets0.3293%3,919
Net interest margin5.2888%168
Noninterest income to average assets0.1636%5,603
Noninterest expense to average assets3.4240%1,442
Loan and lease loss provision to assets0.0992%2,327
Net operating income to assets1.6013%703
Return on assets (ROA)1.6013%723
Pretax return on assets1.6029%1,238
Return on Equity (ROE)15.1548%663
Retained earnings to average equity (ytd only)0.9227%5,151
Net charge-offs to loans0.0820%2,660
Credit loss provision to net charge-offs142.8571%1,838
Earnings coverage of net charge-offs (x)24.5238%1,671
Efficiency ratio66.7956%3,778
Assets per employee ($millions)3.6355%4,585
Cash dividends to net income (ytd only)*93.9112%519
Condition Ratios (%)
Loss allowance to loans2.0294%766
Loan loss allowance to noncurrent loans145.5861%2,877
Noncurrent assets plus other real estate owned to assets1.1879%1,830
Noncurrent loans to loans1.3940%1,678
Net loans and leases to total assets83.4909%437
Net loans and leases to deposits101.0024%608
Net loans and leases to core deposits101.6004%1,393
Total domestic deposits to total assets82.6623%3,955
Equity capital to assets11.1728%2,655
Core capital (leverage) ratio10.3121%3,147
Tier 1 risk-based capital ratio13.0320%4,284
Total risk-based capital ratio14.2912%4,193
Memoranda:
Average total assets$60,513,6005,308
Average earning assets$56,780,0005,272
Average equity$6,394,0005,360
Average total loans$51,222,0004,630
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6417%214
Cost of funding earning assets0.3481%3,775
Net interest margin5.2936%167
Noninterest income to average assets0.1593%5,692
Noninterest expense to average assets3.3409%1,594
Loan and lease loss provision to assets0.0655%2,874
Net operating income to assets1.7283%589
Return on assets (ROA)1.7283%614
Pretax return on assets1.7304%1,032
Return on Equity (ROE)16.5831%524
Retained earnings to average equity (ytd only)0.6701%5,421
Net charge-offs to loans-0.0826%5,722
Credit loss provision to net charge-offs-93.7500%5,046
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.0382%4,057
Assets per employee ($millions)3.9235%4,030
Cash dividends to net income (ytd only)*95.9601%434
Condition Ratios (%)
Loss allowance to loans2.0981%779
Loan loss allowance to noncurrent loans386.0294%1,297
Noncurrent assets plus other real estate owned to assets0.4622%3,947
Noncurrent loans to loans0.5435%3,716
Net loans and leases to total assets83.2515%449
Net loans and leases to deposits101.7929%558
Net loans and leases to core deposits102.3928%1,354
Total domestic deposits to total assets81.7851%4,230
Equity capital to assets11.0173%3,009
Core capital (leverage) ratio10.4302%3,130
Tier 1 risk-based capital ratio12.5522%4,720
Total risk-based capital ratio13.8120%4,612
Memoranda:
Average total assets$61,100,0005,362
Average earning assets$57,451,7505,326
Average equity$6,367,7505,427
Average total loans$51,634,7504,670
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1878%434
Cost of funding earning assets0.3482%3,827
Net interest margin4.8397%336
Noninterest income to average assets0.1585%5,759
Noninterest expense to average assets3.1658%2,078
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.5295%856
Return on assets (ROA)1.5295%897
Pretax return on assets1.5328%1,548
Return on Equity (ROE)14.9471%741
Retained earnings to average equity (ytd only)-3.8869%5,970
Net charge-offs to loans-0.0613%5,621
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3778%3,773
Assets per employee ($millions)3.6973%4,432
Cash dividends to net income (ytd only)*126.0042%276
Condition Ratios (%)
Loss allowance to loans1.9620%1,045
Loan loss allowance to noncurrent loans30.9399%5,485
Noncurrent assets plus other real estate owned to assets5.4855%183
Noncurrent loans to loans6.3414%144
Net loans and leases to total assets84.8063%312
Net loans and leases to deposits104.0571%448
Net loans and leases to core deposits104.6671%1,152
Total domestic deposits to total assets81.4998%4,446
Equity capital to assets10.6160%3,306
Core capital (leverage) ratio9.6592%4,060
Tier 1 risk-based capital ratio11.9856%5,164
Total risk-based capital ratio13.2444%5,052
Memoranda:
Average total assets$61,849,0005,400
Average earning assets$58,020,6705,367
Average equity$6,329,0005,483
Average total loans$52,164,3304,700
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3432%326
Cost of funding earning assets0.3526%3,830
Net interest margin4.9906%255
Noninterest income to average assets0.1772%5,654
Noninterest expense to average assets3.0255%2,497
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.8039%481
Return on assets (ROA)1.8039%505
Pretax return on assets1.8103%850
Return on Equity (ROE)17.9429%388
Retained earnings to average equity (ytd only)-9.2547%6,116
Net charge-offs to loans-0.0684%5,682
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5654%4,694
Assets per employee ($millions)4.0291%3,901
Cash dividends to net income (ytd only)*151.5789%359
Condition Ratios (%)
Loss allowance to loans1.9230%1,238
Loan loss allowance to noncurrent loans635.0318%803
Noncurrent assets plus other real estate owned to assets0.2668%4,875
Noncurrent loans to loans0.3028%4,705
Net loans and leases to total assets78.8800%814
Net loans and leases to deposits94.1196%966
Net loans and leases to core deposits94.5994%1,721
Total domestic deposits to total assets83.8083%3,886
Equity capital to assets9.7991%4,389
Core capital (leverage) ratio9.4969%4,280
Tier 1 risk-based capital ratio11.5474%5,527
Total risk-based capital ratio12.8061%5,439
Memoranda:
Average total assets$63,195,5005,420
Average earning assets$58,990,5005,388
Average equity$6,353,5005,522
Average total loans$52,660,5004,711
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5163%307
Cost of funding earning assets0.3925%3,762
Net interest margin5.1237%241
Noninterest income to average assets0.2708%5,187
Noninterest expense to average assets3.2184%2,167
Loan and lease loss provision to assets0.2432%956
Net operating income to assets1.6132%692
Return on assets (ROA)1.6651%646
Pretax return on assets1.6651%1,058
Return on Equity (ROE)17.0485%486
Retained earnings to average equity (ytd only)10.1096%501
Net charge-offs to loans-0.4309%6,376
Credit loss provision to net charge-offs-67.8733%5,456
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.4185%4,682
Assets per employee ($millions)3.8704%4,225
Cash dividends to net income (ytd only)*40.7011%2,808
Condition Ratios (%)
Loss allowance to loans1.8476%1,429
Loan loss allowance to noncurrent loans4,704.7619%174
Noncurrent assets plus other real estate owned to assets0.0581%5,784
Noncurrent loans to loans0.0393%5,718
Net loans and leases to total assets84.7560%296
Net loans and leases to deposits105.0119%399
Net loans and leases to core deposits105.5886%1,042
Total domestic deposits to total assets80.7108%4,822
Equity capital to assets10.3188%3,700
Core capital (leverage) ratio9.7905%3,842
Tier 1 risk-based capital ratio11.5351%5,640
Total risk-based capital ratio12.7923%5,548
Memoranda:
Average total assets$61,677,0005,507
Average earning assets$57,829,0005,461
Average equity$6,024,0005,613
Average total loans$51,284,8004,774
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1744%549
Cost of funding earning assets0.3986%3,803
Net interest margin4.7758%450
Noninterest income to average assets0.3094%4,965
Noninterest expense to average assets3.0814%2,521
Loan and lease loss provision to assets0.1082%2,230
Net operating income to assets1.6056%742
Return on assets (ROA)1.6749%671
Pretax return on assets1.6749%1,126
Return on Equity (ROE)17.3952%508
Retained earnings to average equity (ytd only)9.1921%929
Net charge-offs to loans-0.5256%6,468
Credit loss provision to net charge-offs-25.0000%5,291
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.2599%4,497
Assets per employee ($millions)3.8953%4,100
Cash dividends to net income (ytd only)*47.1574%1,991
Condition Ratios (%)
Loss allowance to loans1.6072%2,281
Loan loss allowance to noncurrent loans32.5573%5,653
Noncurrent assets plus other real estate owned to assets4.3049%438
Noncurrent loans to loans4.9365%379
Net loans and leases to total assets85.1646%251
Net loans and leases to deposits107.2110%285
Net loans and leases to core deposits108.0226%850
Total domestic deposits to total assets79.4365%5,234
Equity capital to assets9.9063%4,293
Core capital (leverage) ratio9.4075%4,503
Tier 1 risk-based capital ratio11.2336%5,901
Total risk-based capital ratio12.4846%5,844
Memoranda:
Average total assets$61,614,7505,573
Average earning assets$57,873,5005,515
Average equity$5,932,5005,693
Average total loans$50,737,5004,840
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2783%448
Cost of funding earning assets0.3961%3,902
Net interest margin4.8822%353
Noninterest income to average assets0.3845%4,371
Noninterest expense to average assets2.9489%3,006
Loan and lease loss provision to assets0.1629%1,515
Net operating income to assets1.8508%443
Return on assets (ROA)1.9551%388
Pretax return on assets1.9551%616
Return on Equity (ROE)20.5058%267
Retained earnings to average equity (ytd only)12.2010%405
Net charge-offs to loans-0.1047%6,162
Credit loss provision to net charge-offs-192.3077%5,386
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4222%5,369
Assets per employee ($millions)4.4582%2,991
Cash dividends to net income (ytd only)*40.5000%2,378
Condition Ratios (%)
Loss allowance to loans1.3072%3,819
Loan loss allowance to noncurrent loans6,930.0000%103
Noncurrent assets plus other real estate owned to assets0.0481%6,050
Noncurrent loans to loans0.0189%6,016
Net loans and leases to total assets83.8292%311
Net loans and leases to deposits102.1435%443
Net loans and leases to core deposits103.1972%1,067
Total domestic deposits to total assets82.0700%4,619
Equity capital to assets9.7781%4,392
Core capital (leverage) ratio9.4769%4,362
Tier 1 risk-based capital ratio11.1598%5,982
Total risk-based capital ratio12.4117%5,916
Memoranda:
Average total assets$61,378,3305,626
Average earning assets$57,556,3305,572
Average equity$5,852,0005,748
Average total loans$49,668,3304,908
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1523%535
Cost of funding earning assets0.4077%3,871
Net interest margin4.7446%426
Noninterest income to average assets0.6047%2,708
Noninterest expense to average assets2.9970%2,862
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets2.0440%310
Return on assets (ROA)2.0440%324
Pretax return on assets2.0440%485
Return on Equity (ROE)21.7236%211
Retained earnings to average equity (ytd only)13.2716%454
Net charge-offs to loans-0.0417%5,728
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4524%5,479
Assets per employee ($millions)4.0873%3,743
Cash dividends to net income (ytd only)*38.9068%2,037
Condition Ratios (%)
Loss allowance to loans1.2570%4,341
Loan loss allowance to noncurrent loans75.8537%4,304
Noncurrent assets plus other real estate owned to assets1.3375%2,643
Noncurrent loans to loans1.6572%2,338
Net loans and leases to total assets79.6917%589
Net loans and leases to deposits94.9585%721
Net loans and leases to core deposits95.5640%1,416
Total domestic deposits to total assets83.9227%4,298
Equity capital to assets9.5955%4,359
Core capital (leverage) ratio9.1765%4,752
Tier 1 risk-based capital ratio11.2167%6,066
Total risk-based capital ratio12.4588%6,015
Memoranda:
Average total assets$60,860,0005,689
Average earning assets$56,907,0005,641
Average equity$5,726,5005,812
Average total loans$47,995,0005,008
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1262%738
Cost of funding earning assets0.4361%4,253
Net interest margin4.6902%516
Noninterest income to average assets0.3529%4,787
Noninterest expense to average assets3.0489%2,902
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.7363%544
Return on assets (ROA)1.6539%642
Pretax return on assets1.6555%1,043
Return on Equity (ROE)17.8419%423
Retained earnings to average equity (ytd only)8.3250%948
Net charge-offs to loans-0.1075%6,487
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.6927%4,961
Assets per employee ($millions)4.0273%3,812
Cash dividends to net income (ytd only)*53.3400%2,107
Condition Ratios (%)
Loss allowance to loans1.3266%4,001
Loan loss allowance to noncurrent loans6,170.0000%121
Noncurrent assets plus other real estate owned to assets0.4370%4,940
Noncurrent loans to loans0.0215%6,203
Net loans and leases to total assets75.9676%1,080
Net loans and leases to deposits91.2003%1,140
Net loans and leases to core deposits91.6923%1,822
Total domestic deposits to total assets83.2975%4,430
Equity capital to assets9.2203%4,781
Core capital (leverage) ratio9.0360%4,943
Tier 1 risk-based capital ratio11.4825%5,914
Total risk-based capital ratio12.7327%5,855
Memoranda:
Average total assets$60,644,6005,740
Average earning assets$57,332,6005,673
Average equity$5,621,6005,900
Average total loans$45,593,0005,129
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0996%773
Cost of funding earning assets0.4360%4,439
Net interest margin4.6636%547
Noninterest income to average assets0.3536%4,867
Noninterest expense to average assets2.9147%3,252
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.8538%474
Return on assets (ROA)1.8560%483
Pretax return on assets1.8582%782
Return on Equity (ROE)19.9954%297
Retained earnings to average equity (ytd only)13.2986%308
Net charge-offs to loans-0.1499%6,592
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0958%5,268
Assets per employee ($millions)4.2989%3,228
Cash dividends to net income (ytd only)*33.4907%2,539
Condition Ratios (%)
Loss allowance to loans1.3102%4,331
Loan loss allowance to noncurrent loans2,579.1667%229
Noncurrent assets plus other real estate owned to assets0.4619%5,046
Noncurrent loans to loans0.0508%6,192
Net loans and leases to total assets77.4708%807
Net loans and leases to deposits91.3983%1,028
Net loans and leases to core deposits93.0936%1,659
Total domestic deposits to total assets84.7617%3,854
Equity capital to assets9.4892%4,570
Core capital (leverage) ratio9.2699%4,727
Tier 1 risk-based capital ratio11.7887%5,911
Total risk-based capital ratio13.0395%5,861
Memoranda:
Average total assets$60,703,2505,801
Average earning assets$57,493,0005,729
Average equity$5,634,5005,964
Average total loans$45,364,0005,191
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0441%854
Cost of funding earning assets0.4365%4,589
Net interest margin4.6076%589
Noninterest income to average assets0.3548%4,851
Noninterest expense to average assets2.8977%3,341
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.8234%490
Return on assets (ROA)1.8267%520
Pretax return on assets1.8299%868
Return on Equity (ROE)19.8253%314
Retained earnings to average equity (ytd only)13.1218%372
Net charge-offs to loans-0.9969%6,867
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3352%5,277
Assets per employee ($millions)4.3214%3,136
Cash dividends to net income (ytd only)*33.8129%2,510
Condition Ratios (%)
Loss allowance to loans1.6962%2,789
Loan loss allowance to noncurrent loans3,766.6667%177
Noncurrent assets plus other real estate owned to assets0.4546%5,138
Noncurrent loans to loans0.0450%6,258
Net loans and leases to total assets75.7765%1,006
Net loans and leases to deposits88.9242%1,237
Net loans and leases to core deposits90.5543%1,857
Total domestic deposits to total assets85.2146%3,787
Equity capital to assets9.1572%5,037
Core capital (leverage) ratio8.9155%5,121
Tier 1 risk-based capital ratio11.8405%5,888
Total risk-based capital ratio13.0961%5,838
Memoranda:
Average total assets$60,876,3305,837
Average earning assets$57,730,3305,757
Average equity$5,609,0006,014
Average total loans$44,737,3305,235
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1395%690
Cost of funding earning assets0.4421%4,683
Net interest margin4.6974%472
Noninterest income to average assets0.3537%4,847
Noninterest expense to average assets2.8560%3,519
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.9520%374
Return on assets (ROA)1.9455%409
Pretax return on assets1.9455%667
Return on Equity (ROE)21.0508%233
Retained earnings to average equity (ytd only)14.3882%409
Net charge-offs to loans-0.0913%6,407
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4005%5,668
Assets per employee ($millions)4.4331%3,090
Cash dividends to net income (ytd only)*31.6498%2,056
Condition Ratios (%)
Loss allowance to loans1.3631%4,413
Loan loss allowance to noncurrent loans3,853.3333%155
Noncurrent assets plus other real estate owned to assets0.4334%5,303
Noncurrent loans to loans0.0354%6,386
Net loans and leases to total assets67.3928%2,123
Net loans and leases to deposits76.8013%2,513
Net loans and leases to core deposits78.1312%3,045
Total domestic deposits to total assets87.7495%2,488
Equity capital to assets9.2519%5,194
Core capital (leverage) ratio8.3837%5,729
Tier 1 risk-based capital ratio12.2517%5,756
Total risk-based capital ratio13.5023%5,710
Memoranda:
Average total assets$61,065,0005,882
Average earning assets$57,904,5005,801
Average equity$5,643,5006,066
Average total loans$43,788,5005,307
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5271%591
Cost of funding earning assets0.6484%3,924
Net interest margin4.8787%469
Noninterest income to average assets0.4531%4,230
Noninterest expense to average assets3.2888%2,373
Loan and lease loss provision to assets0.1770%3,412
Net operating income to assets1.4072%1,087
Return on assets (ROA)1.4001%1,211
Pretax return on assets1.4019%2,033
Return on Equity (ROE)14.7349%864
Retained earnings to average equity (ytd only)5.3649%2,457
Net charge-offs to loans-0.0640%6,746
Credit loss provision to net charge-offs-370.3704%6,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4655%4,238
Assets per employee ($millions)4.2905%3,376
Cash dividends to net income (ytd only)*63.5904%1,620
Condition Ratios (%)
Loss allowance to loans1.2574%4,832
Loan loss allowance to noncurrent loans93.2677%3,506
Noncurrent assets plus other real estate owned to assets1.4367%3,236
Noncurrent loans to loans1.3482%3,583
Net loans and leases to total assets74.2587%1,160
Net loans and leases to deposits84.5961%1,684
Net loans and leases to core deposits85.0251%2,425
Total domestic deposits to total assets87.7803%2,360
Equity capital to assets9.2314%5,234
Core capital (leverage) ratio8.3007%5,885
Tier 1 risk-based capital ratio11.2197%6,264
Total risk-based capital ratio12.4706%6,226
Memoranda:
Average total assets$56,495,0006,011
Average earning assets$51,202,0006,001
Average equity$5,368,2006,187
Average total loans$42,157,0005,412
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6850%472
Cost of funding earning assets0.6822%3,926
Net interest margin5.0028%402
Noninterest income to average assets0.2878%5,480
Noninterest expense to average assets3.1677%2,664
Loan and lease loss provision to assets0.1199%4,051
Net operating income to assets1.4819%1,058
Return on assets (ROA)1.4747%1,186
Pretax return on assets1.4771%1,972
Return on Equity (ROE)15.4016%832
Retained earnings to average equity (ytd only)7.0872%2,075
Net charge-offs to loans0.0870%4,518
Credit loss provision to net charge-offs185.1852%1,496
Earnings coverage of net charge-offs (x)24.7772%1,266
Efficiency ratio66.3819%4,376
Assets per employee ($millions)3.6941%4,553
Cash dividends to net income (ytd only)*53.9842%1,522
Condition Ratios (%)
Loss allowance to loans1.0400%5,936
Loan loss allowance to noncurrent loans77.9832%3,913
Noncurrent assets plus other real estate owned to assets1.4364%3,451
Noncurrent loans to loans1.3336%3,804
Net loans and leases to total assets74.7014%1,144
Net loans and leases to deposits85.4354%1,668
Net loans and leases to core deposits85.8740%2,481
Total domestic deposits to total assets87.4361%2,390
Equity capital to assets9.3848%5,358
Core capital (leverage) ratio8.6323%5,576
Tier 1 risk-based capital ratio11.2619%6,378
Total risk-based capital ratio12.3165%6,426
Memoranda:
Average total assets$55,602,0006,106
Average earning assets$49,837,7506,121
Average equity$5,324,0006,268
Average total loans$41,403,0005,507
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7810%415
Cost of funding earning assets0.7026%3,996
Net interest margin5.0784%352
Noninterest income to average assets0.2939%5,451
Noninterest expense to average assets3.1929%2,613
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.6424%771
Return on assets (ROA)1.6350%864
Pretax return on assets1.6350%1,435
Return on Equity (ROE)16.9534%639
Retained earnings to average equity (ytd only)5.9813%2,725
Net charge-offs to loans-0.0595%6,712
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.0334%4,529
Assets per employee ($millions)3.3776%5,257
Cash dividends to net income (ytd only)*64.7191%1,231
Condition Ratios (%)
Loss allowance to loans1.0410%6,002
Loan loss allowance to noncurrent loans686.3636%570
Noncurrent assets plus other real estate owned to assets0.5573%5,365
Noncurrent loans to loans0.1517%6,288
Net loans and leases to total assets74.9965%1,100
Net loans and leases to deposits85.8376%1,623
Net loans and leases to core deposits86.2917%2,393
Total domestic deposits to total assets87.3703%2,554
Equity capital to assets9.3922%5,201
Core capital (leverage) ratio8.7703%5,271
Tier 1 risk-based capital ratio11.2148%6,389
Total risk-based capital ratio12.2669%6,464
Memoranda:
Average total assets$54,434,0006,177
Average earning assets$48,676,3306,209
Average equity$5,249,6706,318
Average total loans$40,331,6705,586
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8608%381
Cost of funding earning assets0.7220%4,094
Net interest margin5.1388%322
Noninterest income to average assets0.2947%5,512
Noninterest expense to average assets3.2338%2,496
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.6320%818
Return on assets (ROA)1.6320%913
Pretax return on assets1.6320%1,478
Return on Equity (ROE)16.6860%716
Retained earnings to average equity (ytd only)-2.1630%6,300
Net charge-offs to loans-0.0310%6,357
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.4596%4,471
Assets per employee ($millions)3.1269%5,905
Cash dividends to net income (ytd only)*112.9630%455
Condition Ratios (%)
Loss allowance to loans1.1021%5,900
Loan loss allowance to noncurrent loans215.5340%1,532
Noncurrent assets plus other real estate owned to assets0.8654%4,790
Noncurrent loans to loans0.5114%5,644
Net loans and leases to total assets74.9497%928
Net loans and leases to deposits86.2845%1,385
Net loans and leases to core deposits87.2520%2,140
Total domestic deposits to total assets86.8634%3,036
Equity capital to assets9.6939%4,530
Core capital (leverage) ratio8.7898%5,142
Tier 1 risk-based capital ratio11.8693%6,043
Total risk-based capital ratio13.0041%6,104
Memoranda:
Average total assets$52,941,0006,268
Average earning assets$47,092,5006,296
Average equity$5,178,0006,376
Average total loans$38,739,5005,696
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9886%438
Cost of funding earning assets0.8828%4,234
Net interest margin5.1058%337
Noninterest income to average assets0.3564%4,959
Noninterest expense to average assets3.8468%1,265
Loan and lease loss provision to assets0.0487%5,977
Net operating income to assets1.0888%1,872
Return on assets (ROA)1.1238%1,863
Pretax return on assets1.1258%2,742
Return on Equity (ROE)11.5849%1,533
Retained earnings to average equity (ytd only)7.0473%1,485
Net charge-offs to loans0.2778%4,035
Credit loss provision to net charge-offs23.1481%5,876
Earnings coverage of net charge-offs (x)5.4167%2,798
Efficiency ratio77.1484%2,721
Assets per employee ($millions)2.7750%6,496
Cash dividends to net income (ytd only)*39.1681%2,653
Condition Ratios (%)
Loss allowance to loans1.1857%5,460
Loan loss allowance to noncurrent loans49.4395%5,059
Noncurrent assets plus other real estate owned to assets2.1735%2,766
Noncurrent loans to loans2.3982%2,728
Net loans and leases to total assets69.7070%2,089
Net loans and leases to deposits80.4082%2,444
Net loans and leases to core deposits81.3173%3,278
Total domestic deposits to total assets86.6913%2,921
Equity capital to assets9.8682%4,346
Core capital (leverage) ratio8.8903%4,963
Tier 1 risk-based capital ratio12.6018%5,368
Total risk-based capital ratio13.7911%5,405
Memoranda:
Average total assets$51,342,0006,326
Average earning assets$46,554,8006,309
Average equity$4,980,6006,451
Average total loans$38,873,6005,746
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9009%561
Cost of funding earning assets0.8957%4,431
Net interest margin5.0052%407
Noninterest income to average assets0.3713%4,898
Noninterest expense to average assets3.6760%1,549
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.2654%1,466
Return on assets (ROA)1.3177%1,417
Pretax return on assets1.3203%2,216
Return on Equity (ROE)13.6443%1,126
Retained earnings to average equity (ytd only)7.6343%1,650
Net charge-offs to loans0.1595%4,503
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)10.3183%1,940
Efficiency ratio74.3522%3,113
Assets per employee ($millions)2.7686%6,543
Cash dividends to net income (ytd only)*44.0474%1,854
Condition Ratios (%)
Loss allowance to loans1.1829%5,535
Loan loss allowance to noncurrent loans104.1485%2,855
Noncurrent assets plus other real estate owned to assets1.3535%4,114
Noncurrent loans to loans1.1358%4,647
Net loans and leases to total assets75.7471%1,015
Net loans and leases to deposits87.4679%1,498
Net loans and leases to core deposits88.4562%2,430
Total domestic deposits to total assets86.5999%2,882
Equity capital to assets9.7749%4,661
Core capital (leverage) ratio8.8727%5,154
Tier 1 risk-based capital ratio11.5694%6,196
Total risk-based capital ratio12.7683%6,223
Memoranda:
Average total assets$50,996,2506,392
Average earning assets$46,590,7506,364
Average equity$4,925,0006,519
Average total loans$39,293,5005,777
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9039%576
Cost of funding earning assets0.9016%4,653
Net interest margin5.0023%393
Noninterest income to average assets0.3924%4,742
Noninterest expense to average assets3.7653%1,411
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.1970%1,582
Return on assets (ROA)1.2802%1,436
Pretax return on assets1.2842%2,186
Return on Equity (ROE)13.3123%1,133
Retained earnings to average equity (ytd only)7.2125%1,781
Net charge-offs to loans-0.0668%7,085
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.8180%3,047
Assets per employee ($millions)2.7506%6,564
Cash dividends to net income (ytd only)*45.8204%1,838
Condition Ratios (%)
Loss allowance to loans1.3468%4,848
Loan loss allowance to noncurrent loans82.2630%3,432
Noncurrent assets plus other real estate owned to assets1.7374%3,598
Noncurrent loans to loans1.6371%3,953
Net loans and leases to total assets75.4100%1,171
Net loans and leases to deposits90.8818%1,172
Net loans and leases to core deposits91.9591%2,139
Total domestic deposits to total assets82.9758%4,765
Equity capital to assets9.5712%4,706
Core capital (leverage) ratio8.9150%4,855
Tier 1 risk-based capital ratio11.3941%6,254
Total risk-based capital ratio12.6460%6,241
Memoranda:
Average total assets$50,460,3306,471
Average earning assets$46,139,0006,435
Average equity$4,852,6706,578
Average total loans$38,950,3305,847
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8700%642
Cost of funding earning assets0.8915%4,984
Net interest margin4.9785%396
Noninterest income to average assets0.4116%4,610
Noninterest expense to average assets3.8015%1,338
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.1622%1,618
Return on assets (ROA)1.3317%1,249
Pretax return on assets1.3317%1,936
Return on Equity (ROE)13.8133%1,027
Retained earnings to average equity (ytd only)13.8133%494
Net charge-offs to loans-0.1040%7,099
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.5854%3,056
Assets per employee ($millions)2.6047%6,838
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.3835%4,748
Loan loss allowance to noncurrent loans276.6839%1,099
Noncurrent assets plus other real estate owned to assets0.9032%5,096
Noncurrent loans to loans0.5000%6,020
Net loans and leases to total assets76.9141%883
Net loans and leases to deposits91.0971%1,105
Net loans and leases to core deposits92.2115%2,104
Total domestic deposits to total assets84.4309%4,308
Equity capital to assets9.7739%4,067
Core capital (leverage) ratio9.0502%4,528
Tier 1 risk-based capital ratio11.7888%5,862
Total risk-based capital ratio13.0397%5,874
Memoranda:
Average total assets$49,560,0006,542
Average earning assets$45,315,0006,512
Average equity$4,778,0006,625
Average total loans$38,451,5005,920
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3001%466
Cost of funding earning assets1.0858%5,216
Net interest margin5.2143%278
Noninterest income to average assets0.3732%5,109
Noninterest expense to average assets3.7419%1,604
Loan and lease loss provision to assets0.3075%4,345
Net operating income to assets1.0477%1,885
Return on assets (ROA)1.0867%1,824
Pretax return on assets1.0887%2,615
Return on Equity (ROE)10.9636%1,601
Retained earnings to average equity (ytd only)2.4203%4,177
Net charge-offs to loans0.1586%5,395
Credit loss provision to net charge-offs250.0000%1,132
Earnings coverage of net charge-offs (x)11.0333%1,642
Efficiency ratio73.3816%3,511
Assets per employee ($millions)2.6122%6,837
Cash dividends to net income (ytd only)*77.9245%922
Condition Ratios (%)
Loss allowance to loans1.3680%4,664
Loan loss allowance to noncurrent loans207.9365%1,461
Noncurrent assets plus other real estate owned to assets1.0195%4,964
Noncurrent loans to loans0.6579%5,737
Net loans and leases to total assets76.1238%1,252
Net loans and leases to deposits92.6686%1,178
Net loans and leases to core deposits93.2496%2,349
Total domestic deposits to total assets82.1462%5,141
Equity capital to assets9.5082%4,395
Core capital (leverage) ratio8.7283%4,971
Tier 1 risk-based capital ratio11.3740%6,018
Total risk-based capital ratio12.6240%6,009
Memoranda:
Average total assets$48,772,6006,582
Average earning assets$44,205,6006,572
Average equity$4,834,2006,716
Average total loans$37,820,8006,022
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3890%425
Cost of funding earning assets1.1276%5,267
Net interest margin5.2614%260
Noninterest income to average assets0.3762%5,147
Noninterest expense to average assets3.6162%1,752
Loan and lease loss provision to assets0.2746%4,392
Net operating income to assets1.2356%1,498
Return on assets (ROA)1.2878%1,444
Pretax return on assets1.2905%2,201
Return on Equity (ROE)12.8587%1,296
Retained earnings to average equity (ytd only)7.3753%1,659
Net charge-offs to loans-0.0283%7,399
Credit loss provision to net charge-offs-1,250.0000%7,102
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.5032%3,971
Assets per employee ($millions)2.5544%7,009
Cash dividends to net income (ytd only)*42.6438%1,965
Condition Ratios (%)
Loss allowance to loans1.4272%4,322
Loan loss allowance to noncurrent loans164.7416%1,727
Noncurrent assets plus other real estate owned to assets1.2012%4,741
Noncurrent loans to loans0.8663%5,491
Net loans and leases to total assets77.1331%1,195
Net loans and leases to deposits90.7119%1,620
Net loans and leases to core deposits91.2715%2,910
Total domestic deposits to total assets85.0308%3,603
Equity capital to assets10.4259%3,606
Core capital (leverage) ratio9.0176%4,669
Tier 1 risk-based capital ratio11.8638%5,580
Total risk-based capital ratio13.1157%5,555
Memoranda:
Average total assets$48,558,0006,666
Average earning assets$43,865,7506,666
Average equity$4,863,0006,794
Average total loans$37,699,7506,110
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3669%439
Cost of funding earning assets1.1526%5,389
Net interest margin5.2142%275
Noninterest income to average assets0.3706%5,176
Noninterest expense to average assets3.5580%1,892
Loan and lease loss provision to assets0.3089%3,913
Net operating income to assets1.1984%1,565
Return on assets (ROA)1.2643%1,462
Pretax return on assets1.2643%2,205
Return on Equity (ROE)12.7988%1,286
Retained earnings to average equity (ytd only)4.4608%3,227
Net charge-offs to loans-0.0425%7,421
Credit loss provision to net charge-offs-937.5000%6,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.2439%4,144
Assets per employee ($millions)2.6229%6,911
Cash dividends to net income (ytd only)*65.1466%1,155
Condition Ratios (%)
Loss allowance to loans1.3581%4,633
Loan loss allowance to noncurrent loans154.3284%1,812
Noncurrent assets plus other real estate owned to assets1.1819%4,776
Noncurrent loans to loans0.8800%5,510
Net loans and leases to total assets75.3471%1,618
Net loans and leases to deposits88.7644%2,040
Net loans and leases to core deposits88.7644%3,445
Total domestic deposits to total assets84.8844%3,693
Equity capital to assets9.7139%4,388
Core capital (leverage) ratio8.7508%5,007
Tier 1 risk-based capital ratio11.1930%6,044
Total risk-based capital ratio12.4445%6,029
Memoranda:
Average total assets$48,566,3306,713
Average earning assets$43,726,3306,710
Average equity$4,797,3306,843
Average total loans$37,607,3306,153
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3551%481
Cost of funding earning assets1.1639%5,583
Net interest margin5.1913%295
Noninterest income to average assets0.3922%4,978
Noninterest expense to average assets3.2797%2,596
Loan and lease loss provision to assets0.4173%2,873
Net operating income to assets1.3853%1,107
Return on assets (ROA)1.3853%1,183
Pretax return on assets1.3853%1,818
Return on Equity (ROE)13.9043%1,069
Retained earnings to average equity (ytd only)13.9043%519
Net charge-offs to loans-0.0535%7,363
Credit loss provision to net charge-offs-1,000.0000%6,385
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5320%5,382
Assets per employee ($millions)2.5735%7,087
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.2970%4,952
Loan loss allowance to noncurrent loans141.3295%1,980
Noncurrent assets plus other real estate owned to assets1.2271%4,724
Noncurrent loans to loans0.9177%5,483
Net loans and leases to total assets76.1069%1,522
Net loans and leases to deposits89.9280%1,915
Net loans and leases to core deposits89.9280%3,370
Total domestic deposits to total assets84.6310%3,842
Equity capital to assets9.9474%3,933
Core capital (leverage) ratio9.0439%4,490
Tier 1 risk-based capital ratio11.2885%5,867
Total risk-based capital ratio12.5517%5,821
Memoranda:
Average total assets$47,931,5006,809
Average earning assets$43,303,5006,807
Average equity$4,775,5006,922
Average total loans$37,377,5006,241
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4933%681
Cost of funding earning assets1.3552%6,120
Net interest margin5.1381%337
Noninterest income to average assets0.4429%4,858
Noninterest expense to average assets3.7643%1,764
Loan and lease loss provision to assets0.3799%4,509
Net operating income to assets0.9139%2,136
Return on assets (ROA)1.0854%1,599
Pretax return on assets1.0876%2,286
Return on Equity (ROE)10.9736%1,431
Retained earnings to average equity (ytd only)6.2988%1,228
Net charge-offs to loans0.4897%3,811
Credit loss provision to net charge-offs102.3392%5,402
Earnings coverage of net charge-offs (x)3.4912%3,323
Efficiency ratio74.3887%3,812
Assets per employee ($millions)2.4719%7,241
Cash dividends to net income (ytd only)*42.6000%2,799
Condition Ratios (%)
Loss allowance to loans1.1713%5,531
Loan loss allowance to noncurrent loans91.7548%3,049
Noncurrent assets plus other real estate owned to assets1.5479%4,058
Noncurrent loans to loans1.2766%4,793
Net loans and leases to total assets77.9670%1,396
Net loans and leases to deposits92.6686%1,791
Net loans and leases to core deposits99.5650%4,046
Total domestic deposits to total assets84.1353%3,970
Equity capital to assets9.9796%3,786
Core capital (leverage) ratio9.1360%4,223
Tier 1 risk-based capital ratio10.9465%5,966
Total risk-based capital ratio12.0766%6,056
Memoranda:
Average total assets$46,064,4006,870
Average earning assets$41,396,8006,891
Average equity$4,556,4007,095
Average total loans$34,920,0006,359
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4989%750
Cost of funding earning assets1.4025%6,218
Net interest margin5.0964%369
Noninterest income to average assets0.4450%4,932
Noninterest expense to average assets3.6038%2,021
Loan and lease loss provision to assets0.3636%4,140
Net operating income to assets1.0617%1,859
Return on assets (ROA)1.3118%1,268
Pretax return on assets1.3147%1,921
Return on Equity (ROE)13.2925%1,045
Retained earnings to average equity (ytd only)13.2925%238
Net charge-offs to loans0.3296%3,989
Credit loss provision to net charge-offs147.0588%3,293
Earnings coverage of net charge-offs (x)5.7765%2,738
Efficiency ratio71.6185%4,311
Assets per employee ($millions)2.5457%7,151
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.3352%4,285
Loan loss allowance to noncurrent loans79.6610%3,434
Noncurrent assets plus other real estate owned to assets1.7895%3,667
Noncurrent loans to loans1.6761%4,133
Net loans and leases to total assets75.7933%2,033
Net loans and leases to deposits94.3622%1,818
Net loans and leases to core deposits101.2359%4,239
Total domestic deposits to total assets80.3217%5,320
Equity capital to assets10.5735%3,433
Core capital (leverage) ratio9.6224%3,755
Tier 1 risk-based capital ratio11.9717%5,000
Total risk-based capital ratio13.2215%4,938
Memoranda:
Average total assets$45,839,0006,926
Average earning assets$41,257,0006,948
Average equity$4,523,7507,172
Average total loans$34,387,0006,432
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5072%811
Cost of funding earning assets1.4692%6,260
Net interest margin5.0380%395
Noninterest income to average assets0.4363%4,973
Noninterest expense to average assets3.5293%2,255
Loan and lease loss provision to assets0.2181%4,858
Net operating income to assets1.2172%1,433
Return on assets (ROA)1.4222%1,043
Pretax return on assets1.4266%1,652
Return on Equity (ROE)14.7623%870
Retained earnings to average equity (ytd only)14.7623%216
Net charge-offs to loans0.2228%4,108
Credit loss provision to net charge-offs131.5789%3,543
Earnings coverage of net charge-offs (x)8.6842%2,229
Efficiency ratio71.0272%4,588
Assets per employee ($millions)2.5736%7,110
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.2673%4,487
Loan loss allowance to noncurrent loans245.5556%1,258
Noncurrent assets plus other real estate owned to assets0.8851%5,221
Noncurrent loans to loans0.5161%6,239
Net loans and leases to total assets74.3351%2,611
Net loans and leases to deposits89.3905%2,921
Net loans and leases to core deposits96.2113%4,879
Total domestic deposits to total assets83.1578%4,166
Equity capital to assets9.9257%4,053
Core capital (leverage) ratio9.2652%4,220
Tier 1 risk-based capital ratio11.6733%5,223
Total risk-based capital ratio12.8893%5,185
Memoranda:
Average total assets$45,844,6706,987
Average earning assets$41,246,6707,002
Average equity$4,416,6707,268
Average total loans$34,116,0006,496
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4880%890
Cost of funding earning assets1.5903%6,074
Net interest margin4.8977%504
Noninterest income to average assets0.4912%4,402
Noninterest expense to average assets3.2014%2,980
Loan and lease loss provision to assets0.2193%4,263
Net operating income to assets1.4735%987
Return on assets (ROA)1.8858%497
Pretax return on assets1.8858%828
Return on Equity (ROE)19.8798%431
Retained earnings to average equity (ytd only)19.8798%166
Net charge-offs to loans-0.2253%8,028
Credit loss provision to net charge-offs-131.5789%6,233
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.4122%5,433
Assets per employee ($millions)2.5112%7,256
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.4039%3,477
Loan loss allowance to noncurrent loans117.3267%2,655
Noncurrent assets plus other real estate owned to assets0.8938%4,958
Noncurrent loans to loans1.1966%4,579
Net loans and leases to total assets73.6428%2,858
Net loans and leases to deposits91.0105%2,775
Net loans and leases to core deposits97.5930%4,789
Total domestic deposits to total assets80.9168%5,004
Equity capital to assets9.7761%4,267
Core capital (leverage) ratio9.0404%4,640
Tier 1 risk-based capital ratio11.6224%5,277
Total risk-based capital ratio12.8994%5,171
Memoranda:
Average total assets$45,605,0007,044
Average earning assets$40,999,0007,060
Average equity$4,326,0007,344
Average total loans$33,735,5006,551
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9478%1,262
Cost of funding earning assets2.0826%6,123
Net interest margin4.8652%683
Noninterest income to average assets0.4240%5,269
Noninterest expense to average assets3.5988%2,149
Loan and lease loss provision to assets0.3774%3,422
Net operating income to assets0.8281%3,321
Return on assets (ROA)0.8281%3,157
Pretax return on assets0.8303%3,958
Return on Equity (ROE)9.1033%2,606
Retained earnings to average equity (ytd only)9.1033%587
Net charge-offs to loans0.3092%3,326
Credit loss provision to net charge-offs170.0000%3,013
Earnings coverage of net charge-offs (x)5.4400%3,648
Efficiency ratio74.8730%3,419
Assets per employee ($millions)2.5560%7,096
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.2756%3,957
Loan loss allowance to noncurrent loans202.8302%1,921
Noncurrent assets plus other real estate owned to assets0.4608%5,842
Noncurrent loans to loans0.6289%5,484
Net loans and leases to total assets72.3331%3,513
Net loans and leases to deposits90.0260%3,452
Net loans and leases to core deposits96.2182%5,238
Total domestic deposits to total assets80.3469%4,890
Equity capital to assets9.2006%5,079
Core capital (leverage) ratio8.6930%5,207
Tier 1 risk-based capital ratio10.8866%5,825
Total risk-based capital ratio12.0817%5,783
Memoranda:
Average total assets$45,042,2006,988
Average earning assets$40,574,0007,018
Average equity$4,097,4007,475
Average total loans$32,344,2006,591