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Interstate Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1573%2,819
Cost of funding earning assets1.6225%2,913
Net interest margin3.5348%2,223
Noninterest income to average assets0.6300%1,240
Noninterest expense to average assets1.9046%3,728
Loan and lease loss provision to assets0.0900%1,412
Net operating income to assets2.0233%443
Return on assets (ROA)2.0233%444
Pretax return on assets2.0233%665
Return on Equity (ROE)37.5700%61
Retained earnings to average equity (ytd only)23.6559%91
Net charge-offs to loans0.0797%946
Credit loss provision to net charge-offs-24.2424%4,347
Earnings coverage of net charge-offs (x)44.6970%1,043
Efficiency ratio47.4528%4,038
Assets per employee ($millions)8.6773%1,231
Cash dividends to net income (ytd only)*37.0318%1,561
Condition Ratios (%)
Loss allowance to loans1.3456%1,509
Loan loss allowance to noncurrent loans100.6407%2,921
Noncurrent assets plus other real estate owned to assets0.7869%966
Noncurrent loans to loans1.3370%770
Net loans and leases to total assets58.0600%3,037
Net loans and leases to deposits61.7965%3,390
Net loans and leases to core deposits67.2689%3,428
Total domestic deposits to total assets93.9600%73
Equity capital to assets5.7593%4,285
Core capital (leverage) ratio9.8610%2,936
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$279,740,0002,578
Average earning assets$267,735,5002,534
Average equity$15,066,0003,368
Average total loans$165,587,5002,644
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6826%1,787
Cost of funding earning assets1.6805%2,995
Net interest margin4.0021%1,173
Noninterest income to average assets0.5400%1,745
Noninterest expense to average assets2.3238%2,798
Loan and lease loss provision to assets0.7600%113
Net operating income to assets1.2490%1,398
Return on assets (ROA)1.2453%1,413
Pretax return on assets1.2453%1,882
Return on Equity (ROE)23.8600%215
Retained earnings to average equity (ytd only)8.0130%1,113
Net charge-offs to loans1.1318%132
Credit loss provision to net charge-offs104.1453%1,836
Earnings coverage of net charge-offs (x)2.7625%2,798
Efficiency ratio53.6851%3,743
Assets per employee ($millions)9.0905%1,034
Cash dividends to net income (ytd only)*66.4181%937
Condition Ratios (%)
Loss allowance to loans1.4068%1,284
Loan loss allowance to noncurrent loans97.0794%3,002
Noncurrent assets plus other real estate owned to assets0.8627%817
Noncurrent loans to loans1.4491%673
Net loans and leases to total assets58.6900%3,049
Net loans and leases to deposits61.9590%3,446
Net loans and leases to core deposits67.7828%3,451
Total domestic deposits to total assets94.7300%72
Equity capital to assets5.0176%4,347
Core capital (leverage) ratio9.6161%3,105
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$269,258,8002,602
Average earning assets$255,165,6002,568
Average equity$14,052,2003,414
Average total loans$172,644,0002,554
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7527%1,633
Cost of funding earning assets1.6841%2,984
Net interest margin4.0686%1,054
Noninterest income to average assets0.5600%1,638
Noninterest expense to average assets2.1263%3,272
Loan and lease loss provision to assets0.8900%83
Net operating income to assets1.3793%1,138
Return on assets (ROA)1.3793%1,141
Pretax return on assets1.3793%1,564
Return on Equity (ROE)26.1600%175
Retained earnings to average equity (ytd only)9.9782%866
Net charge-offs to loans1.1779%116
Credit loss provision to net charge-offs116.2109%1,524
Earnings coverage of net charge-offs (x)2.9544%2,558
Efficiency ratio48.3261%4,079
Assets per employee ($millions)8.5891%1,231
Cash dividends to net income (ytd only)*61.8598%938
Condition Ratios (%)
Loss allowance to loans1.4157%1,290
Loan loss allowance to noncurrent loans85.2901%3,171
Noncurrent assets plus other real estate owned to assets1.1132%579
Noncurrent loans to loans1.6599%535
Net loans and leases to total assets66.1100%2,307
Net loans and leases to deposits70.5707%2,941
Net loans and leases to core deposits78.0355%2,949
Total domestic deposits to total assets93.6900%49
Equity capital to assets5.9899%4,338
Core capital (leverage) ratio9.7455%3,055
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$266,122,0002,612
Average earning assets$251,283,5002,585
Average equity$14,030,2503,413
Average total loans$173,866,5002,542
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6751%1,644
Cost of funding earning assets1.6691%2,931
Net interest margin4.0060%1,104
Noninterest income to average assets0.4500%2,091
Noninterest expense to average assets2.2016%3,070
Loan and lease loss provision to assets0.8500%85
Net operating income to assets1.1628%1,569
Return on assets (ROA)1.1628%1,570
Pretax return on assets1.1628%2,031
Return on Equity (ROE)23.1100%288
Retained earnings to average equity (ytd only)3.5398%2,875
Net charge-offs to loans1.1561%113
Credit loss provision to net charge-offs113.9558%1,386
Earnings coverage of net charge-offs (x)2.6928%2,380
Efficiency ratio52.2010%3,883
Assets per employee ($millions)7.7616%1,582
Cash dividends to net income (ytd only)*84.6800%561
Condition Ratios (%)
Loss allowance to loans1.3594%1,507
Loan loss allowance to noncurrent loans72.8094%3,362
Noncurrent assets plus other real estate owned to assets1.3183%402
Noncurrent loans to loans1.8670%413
Net loans and leases to total assets66.4900%2,287
Net loans and leases to deposits70.2438%2,969
Net loans and leases to core deposits77.1199%2,976
Total domestic deposits to total assets94.6500%55
Equity capital to assets4.9542%4,372
Core capital (leverage) ratio9.6050%3,152
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$266,075,0002,607
Average earning assets$250,075,0002,592
Average equity$13,390,6673,462
Average total loans$172,300,0002,553
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7815%1,341
Cost of funding earning assets1.6644%2,830
Net interest margin4.1171%946
Noninterest income to average assets0.5900%1,395
Noninterest expense to average assets2.2907%2,823
Loan and lease loss provision to assets1.2500%60
Net operating income to assets0.9073%2,218
Return on assets (ROA)0.9073%2,229
Pretax return on assets0.9073%2,644
Return on Equity (ROE)17.8900%626
Retained earnings to average equity (ytd only)-1.4466%3,880
Net charge-offs to loans0.0024%2,095
Credit loss provision to net charge-offs83,500.0000%1
Earnings coverage of net charge-offs (x)1,441.0000%55
Efficiency ratio51.4978%3,940
Assets per employee ($millions)7.3718%1,839
Cash dividends to net income (ytd only)*108.0858%473
Condition Ratios (%)
Loss allowance to loans1.7222%633
Loan loss allowance to noncurrent loans164.1799%2,634
Noncurrent assets plus other real estate owned to assets0.7066%872
Noncurrent loans to loans1.0490%811
Net loans and leases to total assets66.2000%2,220
Net loans and leases to deposits70.2143%2,863
Net loans and leases to core deposits75.4888%3,010
Total domestic deposits to total assets94.2800%99
Equity capital to assets5.2404%4,347
Core capital (leverage) ratio9.4293%3,276
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$267,165,0002,610
Average earning assets$250,178,0002,593
Average equity$13,549,0003,451
Average total loans$169,511,0002,569
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2637%1,548
Cost of funding earning assets1.3287%2,432
Net interest margin3.9350%1,302
Noninterest income to average assets0.5900%1,571
Noninterest expense to average assets2.3285%2,778
Loan and lease loss provision to assets0.6100%133
Net operating income to assets1.3846%1,244
Return on assets (ROA)1.3779%1,227
Pretax return on assets1.3779%1,685
Return on Equity (ROE)30.7700%171
Retained earnings to average equity (ytd only)8.7172%1,328
Net charge-offs to loans1.0489%98
Credit loss provision to net charge-offs92.8161%1,926
Earnings coverage of net charge-offs (x)3.0402%2,663
Efficiency ratio53.8797%3,685
Assets per employee ($millions)7.6755%1,607
Cash dividends to net income (ytd only)*71.6708%795
Condition Ratios (%)
Loss allowance to loans1.3792%1,463
Loan loss allowance to noncurrent loans116.8119%3,108
Noncurrent assets plus other real estate owned to assets0.7061%736
Noncurrent loans to loans1.1807%605
Net loans and leases to total assets58.9800%2,949
Net loans and leases to deposits62.2186%3,392
Net loans and leases to core deposits66.5790%3,473
Total domestic deposits to total assets94.7900%65
Equity capital to assets4.9136%4,429
Core capital (leverage) ratio9.6955%3,071
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$265,410,6002,591
Average earning assets$251,514,8002,567
Average equity$11,884,6003,537
Average total loans$165,894,6002,552
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2373%1,382
Cost of funding earning assets1.2024%2,425
Net interest margin4.0348%1,168
Noninterest income to average assets0.6100%1,484
Noninterest expense to average assets2.0511%3,463
Loan and lease loss provision to assets0.6900%104
Net operating income to assets1.7313%757
Return on assets (ROA)1.7222%756
Pretax return on assets1.7222%1,130
Return on Equity (ROE)39.4700%115
Retained earnings to average equity (ytd only)16.6117%415
Net charge-offs to loans1.2076%79
Credit loss provision to net charge-offs90.0931%1,693
Earnings coverage of net charge-offs (x)3.1689%2,445
Efficiency ratio45.8840%4,141
Assets per employee ($millions)7.6452%1,542
Cash dividends to net income (ytd only)*57.9134%1,004
Condition Ratios (%)
Loss allowance to loans1.3681%1,592
Loan loss allowance to noncurrent loans87.6750%3,324
Noncurrent assets plus other real estate owned to assets1.0194%501
Noncurrent loans to loans1.5604%455
Net loans and leases to total assets64.4400%2,394
Net loans and leases to deposits67.3349%3,026
Net loans and leases to core deposits72.2832%3,090
Total domestic deposits to total assets95.7000%91
Equity capital to assets3.9117%4,410
Core capital (leverage) ratio9.7137%3,089
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$262,684,0002,614
Average earning assets$251,041,5002,569
Average equity$11,461,5003,580
Average total loans$166,059,0002,560
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1198%1,332
Cost of funding earning assets1.0726%2,375
Net interest margin4.0472%1,158
Noninterest income to average assets0.5500%1,674
Noninterest expense to average assets1.9816%3,634
Loan and lease loss provision to assets0.4500%169
Net operating income to assets1.9929%472
Return on assets (ROA)1.9794%484
Pretax return on assets1.9794%770
Return on Equity (ROE)43.9300%87
Retained earnings to average equity (ytd only)22.0808%183
Net charge-offs to loans0.6223%134
Credit loss provision to net charge-offs116.7954%1,341
Earnings coverage of net charge-offs (x)6.2876%2,133
Efficiency ratio44.7404%4,224
Assets per employee ($millions)7.7458%1,444
Cash dividends to net income (ytd only)*49.7342%1,293
Condition Ratios (%)
Loss allowance to loans1.4876%1,216
Loan loss allowance to noncurrent loans119.0727%3,126
Noncurrent assets plus other real estate owned to assets0.8184%623
Noncurrent loans to loans1.2494%568
Net loans and leases to total assets64.5300%2,332
Net loans and leases to deposits68.3350%2,904
Net loans and leases to core deposits73.4725%2,928
Total domestic deposits to total assets94.4400%126
Equity capital to assets5.0956%4,362
Core capital (leverage) ratio9.6319%3,111
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$266,147,6672,603
Average earning assets$255,090,0002,554
Average equity$11,992,3333,537
Average total loans$166,470,3332,551
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8844%1,443
Cost of funding earning assets0.9193%2,313
Net interest margin3.9651%1,339
Noninterest income to average assets0.5600%1,579
Noninterest expense to average assets1.9085%3,836
Loan and lease loss provision to assets0.4800%162
Net operating income to assets1.9866%502
Return on assets (ROA)1.9601%513
Pretax return on assets1.9601%835
Return on Equity (ROE)46.0500%93
Retained earnings to average equity (ytd only)23.3736%226
Net charge-offs to loans-0.0024%3,457
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio43.6321%4,316
Assets per employee ($millions)7.9263%1,382
Cash dividends to net income (ytd only)*49.2481%1,210
Condition Ratios (%)
Loss allowance to loans1.6092%994
Loan loss allowance to noncurrent loans121.1180%3,192
Noncurrent assets plus other real estate owned to assets0.8364%567
Noncurrent loans to loans1.3286%502
Net loans and leases to total assets61.9400%2,469
Net loans and leases to deposits65.0685%3,006
Net loans and leases to core deposits68.1723%3,085
Total domestic deposits to total assets95.1900%79
Equity capital to assets4.6294%4,473
Core capital (leverage) ratio9.4030%3,294
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$271,415,0002,605
Average earning assets$261,078,5002,553
Average equity$11,551,5003,614
Average total loans$165,982,0002,578
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7288%2,460
Cost of funding earning assets0.2754%3,092
Net interest margin3.4534%2,088
Noninterest income to average assets0.6300%1,531
Noninterest expense to average assets2.3034%2,719
Loan and lease loss provision to assets0.2700%333
Net operating income to assets1.3215%1,356
Return on assets (ROA)1.3141%1,345
Pretax return on assets1.3141%2,042
Return on Equity (ROE)23.8700%250
Retained earnings to average equity (ytd only)18.0044%143
Net charge-offs to loans0.0077%2,111
Credit loss provision to net charge-offs6,500.0000%105
Earnings coverage of net charge-offs (x)386.5000%400
Efficiency ratio59.1826%3,162
Assets per employee ($millions)8.2829%1,191
Cash dividends to net income (ytd only)*24.5855%2,687
Condition Ratios (%)
Loss allowance to loans1.6290%922
Loan loss allowance to noncurrent loans115.6605%3,224
Noncurrent assets plus other real estate owned to assets0.8363%554
Noncurrent loans to loans1.4084%472
Net loans and leases to total assets58.4100%2,782
Net loans and leases to deposits60.9208%3,279
Net loans and leases to core deposits63.2013%3,317
Total domestic deposits to total assets95.8800%85
Equity capital to assets3.8879%4,531
Core capital (leverage) ratio9.2265%3,430
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$243,289,6002,765
Average earning assets$229,484,4002,739
Average equity$13,391,2003,536
Average total loans$130,537,6002,821
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4648%2,735
Cost of funding earning assets0.1963%3,322
Net interest margin3.2685%2,394
Noninterest income to average assets0.6500%1,510
Noninterest expense to average assets2.1873%2,970
Loan and lease loss provision to assets0.1600%607
Net operating income to assets1.3775%1,146
Return on assets (ROA)1.3674%1,148
Pretax return on assets1.3674%1,825
Return on Equity (ROE)22.8900%259
Retained earnings to average equity (ytd only)17.9323%167
Net charge-offs to loans-0.0065%3,565
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio58.7931%3,289
Assets per employee ($millions)7.4220%1,662
Cash dividends to net income (ytd only)*21.6708%2,408
Condition Ratios (%)
Loss allowance to loans1.2993%2,030
Loan loss allowance to noncurrent loans78.7178%3,548
Noncurrent assets plus other real estate owned to assets0.9362%488
Noncurrent loans to loans1.6506%403
Net loans and leases to total assets55.9800%2,902
Net loans and leases to deposits58.2906%3,320
Net loans and leases to core deposits60.3814%3,356
Total domestic deposits to total assets96.0400%129
Equity capital to assets3.6844%4,518
Core capital (leverage) ratio9.5924%2,964
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$235,778,0002,833
Average earning assets$221,419,7502,815
Average equity$14,082,2503,494
Average total loans$122,594,5002,906
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1985%3,054
Cost of funding earning assets0.1685%3,333
Net interest margin3.0300%2,796
Noninterest income to average assets0.6385%1,588
Noninterest expense to average assets2.1854%2,905
Loan and lease loss provision to assets0.1289%755
Net operating income to assets1.1516%1,597
Return on assets (ROA)1.1361%1,622
Pretax return on assets1.1361%2,281
Return on Equity (ROE)16.7678%591
Retained earnings to average equity (ytd only)13.4447%415
Net charge-offs to loans-0.0120%3,647
Credit loss provision to net charge-offs-2,142.8571%3,677
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.0548%2,911
Assets per employee ($millions)6.8853%2,014
Cash dividends to net income (ytd only)*19.8185%2,467
Condition Ratios (%)
Loss allowance to loans1.2964%2,207
Loan loss allowance to noncurrent loans84.0500%3,504
Noncurrent assets plus other real estate owned to assets0.8543%608
Noncurrent loans to loans1.5424%482
Net loans and leases to total assets54.6713%2,892
Net loans and leases to deposits57.5122%3,266
Net loans and leases to core deposits59.7398%3,290
Total domestic deposits to total assets95.0603%141
Equity capital to assets4.2204%4,597
Core capital (leverage) ratio10.0121%2,382
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$232,728,3332,874
Average earning assets$217,162,0002,870
Average equity$15,768,3333,425
Average total loans$117,153,0002,974
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9893%3,286
Cost of funding earning assets0.1668%3,268
Net interest margin2.8225%3,066
Noninterest income to average assets0.6223%1,594
Noninterest expense to average assets2.2634%2,641
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.9843%1,948
Return on assets (ROA)0.9843%1,944
Pretax return on assets0.9843%2,488
Return on Equity (ROE)12.2057%1,252
Retained earnings to average equity (ytd only)12.2057%575
Net charge-offs to loans-0.0144%3,745
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.0977%4,355
Assets per employee ($millions)6.8139%2,130
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.3876%1,957
Loan loss allowance to noncurrent loans69.7717%3,659
Noncurrent assets plus other real estate owned to assets0.9739%524
Noncurrent loans to loans1.9887%375
Net loans and leases to total assets48.2940%3,353
Net loans and leases to deposits52.5083%3,532
Net loans and leases to core deposits55.9065%3,453
Total domestic deposits to total assets91.9741%584
Equity capital to assets7.2450%4,079
Core capital (leverage) ratio9.6187%2,673
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$232,042,0002,886
Average earning assets$215,836,5002,889
Average equity$18,712,5003,261
Average total loans$110,896,0003,050
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3412%3,081
Cost of funding earning assets0.2217%3,235
Net interest margin3.1195%2,844
Noninterest income to average assets0.6446%1,964
Noninterest expense to average assets2.5528%2,015
Loan and lease loss provision to assets0.1572%760
Net operating income to assets0.8170%3,279
Return on assets (ROA)0.8249%3,329
Pretax return on assets0.8249%3,673
Return on Equity (ROE)8.6245%3,041
Retained earnings to average equity (ytd only)8.6245%1,307
Net charge-offs to loans0.0054%2,393
Credit loss provision to net charge-offs5,666.6667%131
Earnings coverage of net charge-offs (x)351.1667%361
Efficiency ratio72.3781%1,467
Assets per employee ($millions)7.0360%1,903
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.3647%2,072
Loan loss allowance to noncurrent loans69.3042%3,698
Noncurrent assets plus other real estate owned to assets0.9192%629
Noncurrent loans to loans1.9692%399
Net loans and leases to total assets46.0430%3,690
Net loans and leases to deposits50.9263%3,812
Net loans and leases to core deposits54.1585%3,745
Total domestic deposits to total assets90.4111%759
Equity capital to assets8.8344%3,776
Core capital (leverage) ratio9.7818%2,597
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$216,272,6002,935
Average earning assets$199,839,2002,954
Average equity$20,685,2003,159
Average total loans$112,080,0003,045
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4341%3,002
Cost of funding earning assets0.2367%3,250
Net interest margin3.1974%2,737
Noninterest income to average assets0.6852%1,873
Noninterest expense to average assets2.6358%1,738
Loan and lease loss provision to assets0.1900%555
Net operating income to assets0.8106%3,500
Return on assets (ROA)0.8214%3,541
Pretax return on assets0.8214%3,849
Return on Equity (ROE)8.4056%3,283
Retained earnings to average equity (ytd only)8.4056%1,909
Net charge-offs to loans-0.0048%3,421
Credit loss provision to net charge-offs-7,500.0000%4,187
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.4835%1,362
Assets per employee ($millions)6.2235%2,477
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.3511%2,219
Loan loss allowance to noncurrent loans63.9008%3,800
Noncurrent assets plus other real estate owned to assets1.0734%589
Noncurrent loans to loans2.1144%405
Net loans and leases to total assets50.0771%3,403
Net loans and leases to deposits56.0006%3,577
Net loans and leases to core deposits60.4963%3,441
Total domestic deposits to total assets89.4226%1,055
Equity capital to assets9.6482%3,252
Core capital (leverage) ratio9.8203%2,687
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$210,534,7503,013
Average earning assets$194,318,5003,036
Average equity$20,573,0003,204
Average total loans$112,182,5003,084
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2645%3,528
Cost of funding earning assets0.2407%3,367
Net interest margin3.0238%3,262
Noninterest income to average assets0.6112%2,164
Noninterest expense to average assets2.7323%1,499
Loan and lease loss provision to assets0.2643%361
Net operating income to assets0.4517%4,301
Return on assets (ROA)0.4738%4,313
Pretax return on assets0.4738%4,423
Return on Equity (ROE)4.8273%4,162
Retained earnings to average equity (ytd only)4.8273%3,254
Net charge-offs to loans-0.0160%3,889
Credit loss provision to net charge-offs-3,055.5556%3,911
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2363%831
Assets per employee ($millions)5.8560%2,755
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.3132%2,375
Loan loss allowance to noncurrent loans62.6967%3,807
Noncurrent assets plus other real estate owned to assets1.1152%646
Noncurrent loans to loans2.0945%448
Net loans and leases to total assets52.5437%3,291
Net loans and leases to deposits58.6749%3,483
Net loans and leases to core deposits63.5393%3,331
Total domestic deposits to total assets89.5506%1,002
Equity capital to assets9.5871%3,264
Core capital (leverage) ratio9.5646%2,842
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$208,105,6673,030
Average earning assets$195,251,0003,020
Average equity$20,425,3333,213
Average total loans$112,719,0003,089
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2376%3,613
Cost of funding earning assets0.2490%3,482
Net interest margin2.9886%3,288
Noninterest income to average assets0.6462%2,043
Noninterest expense to average assets3.0375%933
Loan and lease loss provision to assets0.2902%334
Net operating income to assets0.1045%4,708
Return on assets (ROA)0.1045%4,720
Pretax return on assets0.1045%4,727
Return on Equity (ROE)1.0520%4,705
Retained earnings to average equity (ytd only)1.0520%4,204
Net charge-offs to loans-0.0496%4,389
Credit loss provision to net charge-offs-1,071.4286%3,382
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.5006%424
Assets per employee ($millions)5.6514%2,965
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.1658%3,117
Loan loss allowance to noncurrent loans44.4663%4,053
Noncurrent assets plus other real estate owned to assets1.4562%449
Noncurrent loans to loans2.6217%343
Net loans and leases to total assets54.8983%3,153
Net loans and leases to deposits61.3908%3,378
Net loans and leases to core deposits65.7149%3,269
Total domestic deposits to total assets89.4244%1,111
Equity capital to assets9.6087%3,094
Core capital (leverage) ratio9.6129%2,924
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$206,751,0003,030
Average earning assets$192,732,5003,032
Average equity$20,532,5003,197
Average total loans$112,956,5003,085
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6522%3,691
Cost of funding earning assets0.3599%3,820
Net interest margin3.2923%3,086
Noninterest income to average assets0.8303%1,452
Noninterest expense to average assets3.0000%1,436
Loan and lease loss provision to assets0.9047%126
Net operating income to assets-0.0066%4,737
Return on assets (ROA)0.2895%4,511
Pretax return on assets0.2895%4,556
Return on Equity (ROE)2.6606%4,447
Retained earnings to average equity (ytd only)-1.0212%4,639
Net charge-offs to loans1.6342%63
Credit loss provision to net charge-offs95.7906%2,880
Earnings coverage of net charge-offs (x)0.9509%3,296
Efficiency ratio72.4372%1,628
Assets per employee ($millions)5.5243%2,821
Cash dividends to net income (ytd only)*138.3803%115
Condition Ratios (%)
Loss allowance to loans1.0841%3,540
Loan loss allowance to noncurrent loans34.1365%4,236
Noncurrent assets plus other real estate owned to assets1.7055%384
Noncurrent loans to loans3.1759%258
Net loans and leases to total assets53.1191%3,572
Net loans and leases to deposits59.9263%3,770
Net loans and leases to core deposits64.8782%3,638
Total domestic deposits to total assets88.6408%1,147
Equity capital to assets10.2608%2,873
Core capital (leverage) ratio9.9212%2,678
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$196,201,6002,971
Average earning assets$182,819,2002,971
Average equity$21,348,2003,069
Average total loans$113,386,2003,048
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6582%3,901
Cost of funding earning assets0.3849%3,895
Net interest margin3.2733%3,268
Noninterest income to average assets0.8536%1,338
Noninterest expense to average assets3.0106%1,423
Loan and lease loss provision to assets0.3951%903
Net operating income to assets0.5082%4,003
Return on assets (ROA)0.8790%2,908
Pretax return on assets0.8790%3,437
Return on Equity (ROE)7.9593%2,822
Retained earnings to average equity (ytd only)3.0718%3,490
Net charge-offs to loans0.7501%186
Credit loss provision to net charge-offs89.4246%2,703
Earnings coverage of net charge-offs (x)2.0451%3,022
Efficiency ratio70.8545%1,770
Assets per employee ($millions)5.2547%2,946
Cash dividends to net income (ytd only)*61.4063%1,076
Condition Ratios (%)
Loss allowance to loans1.0232%3,600
Loan loss allowance to noncurrent loans25.2260%4,359
Noncurrent assets plus other real estate owned to assets2.5856%199
Noncurrent loans to loans4.0561%160
Net loans and leases to total assets59.7044%3,258
Net loans and leases to deposits68.1375%3,453
Net loans and leases to core deposits73.9117%3,325
Total domestic deposits to total assets87.6234%1,385
Equity capital to assets11.2178%2,218
Core capital (leverage) ratio10.6121%2,179
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$194,152,2502,971
Average earning assets$181,507,0002,961
Average equity$21,442,0003,056
Average total loans$114,291,5003,053
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6982%4,094
Cost of funding earning assets0.4101%3,998
Net interest margin3.2882%3,415
Noninterest income to average assets0.8863%1,202
Noninterest expense to average assets3.1938%1,175
Loan and lease loss provision to assets0.2061%1,992
Net operating income to assets0.5606%3,860
Return on assets (ROA)0.8801%2,887
Pretax return on assets0.8801%3,371
Return on Equity (ROE)8.0115%2,744
Retained earnings to average equity (ytd only)4.3247%2,770
Net charge-offs to loans0.1059%1,229
Credit loss provision to net charge-offs333.3333%1,547
Earnings coverage of net charge-offs (x)12.4000%2,058
Efficiency ratio71.6367%1,744
Assets per employee ($millions)5.2738%2,863
Cash dividends to net income (ytd only)*46.0187%1,686
Condition Ratios (%)
Loss allowance to loans1.1705%2,662
Loan loss allowance to noncurrent loans24.3641%4,427
Noncurrent assets plus other real estate owned to assets2.9616%159
Noncurrent loans to loans4.8042%121
Net loans and leases to total assets60.9244%3,227
Net loans and leases to deposits69.6309%3,445
Net loans and leases to core deposits75.5869%3,320
Total domestic deposits to total assets87.4962%1,417
Equity capital to assets11.1991%2,182
Core capital (leverage) ratio10.2872%2,551
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$194,062,0002,955
Average earning assets$181,438,3332,944
Average equity$21,319,3333,051
Average total loans$113,295,6673,053
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0607%3,626
Cost of funding earning assets0.4276%4,244
Net interest margin3.6332%2,559
Noninterest income to average assets0.7131%1,599
Noninterest expense to average assets3.1686%1,492
Loan and lease loss provision to assets0.3100%1,003
Net operating income to assets0.6593%3,412
Return on assets (ROA)0.8392%2,843
Pretax return on assets0.8392%3,313
Return on Equity (ROE)7.7140%2,633
Retained earnings to average equity (ytd only)0.2470%3,934
Net charge-offs to loans0.1676%787
Credit loss provision to net charge-offs326.0870%1,118
Earnings coverage of net charge-offs (x)10.1957%1,778
Efficiency ratio76.5734%1,503
Assets per employee ($millions)5.2112%2,414
Cash dividends to net income (ytd only)*96.7980%786
Condition Ratios (%)
Loss allowance to loans1.2545%2,366
Loan loss allowance to noncurrent loans103.3911%3,190
Noncurrent assets plus other real estate owned to assets0.6882%1,940
Noncurrent loans to loans1.2133%1,347
Net loans and leases to total assets56.0105%3,839
Net loans and leases to deposits63.6945%3,998
Net loans and leases to core deposits69.3131%3,920
Total domestic deposits to total assets87.9360%1,138
Equity capital to assets11.0454%2,820
Core capital (leverage) ratio10.3963%3,054
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$193,527,0002,920
Average earning assets$182,430,5002,898
Average equity$21,052,5003,070
Average total loans$109,798,0003,082
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3319%3,450
Cost of funding earning assets0.3919%4,464
Net interest margin3.9400%2,029
Noninterest income to average assets0.7626%1,575
Noninterest expense to average assets2.6944%2,898
Loan and lease loss provision to assets0.1526%1,386
Net operating income to assets1.6392%757
Return on assets (ROA)1.6631%767
Pretax return on assets1.6631%1,294
Return on Equity (ROE)16.1375%523
Retained earnings to average equity (ytd only)1.9795%4,010
Net charge-offs to loans0.0646%2,172
Credit loss provision to net charge-offs410.9589%696
Earnings coverage of net charge-offs (x)48.2466%1,153
Efficiency ratio60.0476%3,683
Assets per employee ($millions)5.3956%2,153
Cash dividends to net income (ytd only)*87.7333%576
Condition Ratios (%)
Loss allowance to loans1.1503%2,693
Loan loss allowance to noncurrent loans160.7098%2,475
Noncurrent assets plus other real estate owned to assets0.5251%2,316
Noncurrent loans to loans0.7158%2,088
Net loans and leases to total assets56.0956%3,916
Net loans and leases to deposits63.6322%4,099
Net loans and leases to core deposits69.4836%3,991
Total domestic deposits to total assets88.1559%1,058
Equity capital to assets10.7125%3,246
Core capital (leverage) ratio10.0952%3,416
Tier 1 risk-based capital ratio16.0842%2,376
Total risk-based capital ratio17.1148%2,399
Memoranda:
Average total assets$196,557,2002,872
Average earning assets$185,762,0002,834
Average equity$20,257,2003,109
Average total loans$113,078,8003,036
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3660%3,458
Cost of funding earning assets0.3813%4,556
Net interest margin3.9847%1,998
Noninterest income to average assets0.7507%1,592
Noninterest expense to average assets2.6235%3,092
Loan and lease loss provision to assets0.2029%869
Net operating income to assets1.6847%770
Return on assets (ROA)1.7165%761
Pretax return on assets1.7165%1,295
Return on Equity (ROE)16.8191%500
Retained earnings to average equity (ytd only)2.3459%4,158
Net charge-offs to loans0.0516%2,092
Credit loss provision to net charge-offs681.8182%491
Earnings coverage of net charge-offs (x)63.4266%1,029
Efficiency ratio58.1409%3,916
Assets per employee ($millions)5.6173%1,917
Cash dividends to net income (ytd only)*86.0520%514
Condition Ratios (%)
Loss allowance to loans1.1591%2,725
Loan loss allowance to noncurrent loans305.8962%1,494
Noncurrent assets plus other real estate owned to assets0.2878%3,401
Noncurrent loans to loans0.3789%3,196
Net loans and leases to total assets54.6909%4,120
Net loans and leases to deposits61.7550%4,304
Net loans and leases to core deposits67.1074%4,210
Total domestic deposits to total assets88.5611%799
Equity capital to assets10.2773%3,746
Core capital (leverage) ratio10.1868%3,438
Tier 1 risk-based capital ratio15.3294%2,699
Total risk-based capital ratio16.3364%2,738
Memoranda:
Average total assets$197,136,5002,888
Average earning assets$186,039,5002,858
Average equity$20,119,5003,146
Average total loans$113,791,5003,064
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4420%3,208
Cost of funding earning assets0.3734%4,606
Net interest margin4.0686%1,704
Noninterest income to average assets0.7501%1,523
Noninterest expense to average assets2.7036%2,890
Loan and lease loss provision to assets0.1535%1,189
Net operating income to assets1.7397%670
Return on assets (ROA)1.7397%703
Pretax return on assets1.7397%1,187
Return on Equity (ROE)17.0869%456
Retained earnings to average equity (ytd only)2.7942%3,814
Net charge-offs to loans0.0577%1,818
Credit loss provision to net charge-offs454.5455%645
Earnings coverage of net charge-offs (x)56.0606%1,025
Efficiency ratio58.7934%3,894
Assets per employee ($millions)5.4226%2,030
Cash dividends to net income (ytd only)*83.6471%747
Condition Ratios (%)
Loss allowance to loans1.0158%3,524
Loan loss allowance to noncurrent loans131.2925%2,860
Noncurrent assets plus other real estate owned to assets0.5058%2,523
Noncurrent loans to loans0.7737%2,053
Net loans and leases to total assets59.4561%3,788
Net loans and leases to deposits67.6679%3,990
Net loans and leases to core deposits73.2547%3,928
Total domestic deposits to total assets87.8646%1,163
Equity capital to assets10.8450%3,233
Core capital (leverage) ratio10.2125%3,374
Tier 1 risk-based capital ratio15.5115%2,626
Total risk-based capital ratio16.4248%2,693
Memoranda:
Average total assets$195,441,3302,908
Average earning assets$184,781,3302,875
Average equity$19,898,3303,157
Average total loans$114,424,0003,065
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2985%3,561
Cost of funding earning assets0.3625%4,635
Net interest margin3.9360%2,074
Noninterest income to average assets0.7606%1,395
Noninterest expense to average assets3.0545%1,839
Loan and lease loss provision to assets0.3026%422
Net operating income to assets1.1278%2,360
Return on assets (ROA)1.1278%2,410
Pretax return on assets1.1278%3,055
Return on Equity (ROE)11.4338%1,766
Retained earnings to average equity (ytd only)-4.1522%4,874
Net charge-offs to loans0.0593%1,446
Credit loss provision to net charge-offs882.3529%415
Earnings coverage of net charge-offs (x)41.7059%1,127
Efficiency ratio68.0612%2,631
Assets per employee ($millions)5.5314%1,955
Cash dividends to net income (ytd only)*136.3148%382
Condition Ratios (%)
Loss allowance to loans1.0037%3,679
Loan loss allowance to noncurrent loans129.2952%2,934
Noncurrent assets plus other real estate owned to assets0.4560%2,773
Noncurrent loans to loans0.7763%2,092
Net loans and leases to total assets58.1500%3,872
Net loans and leases to deposits65.3251%4,105
Net loans and leases to core deposits70.6936%4,037
Total domestic deposits to total assets89.0162%853
Equity capital to assets9.8328%3,985
Core capital (leverage) ratio9.9067%3,701
Tier 1 risk-based capital ratio14.7010%3,004
Total risk-based capital ratio15.6006%3,099
Memoranda:
Average total assets$198,266,0002,919
Average earning assets$187,599,5002,878
Average equity$19,556,0003,196
Average total loans$114,635,5003,088
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1988%3,447
Cost of funding earning assets0.3186%4,477
Net interest margin3.8802%2,395
Noninterest income to average assets0.9745%998
Noninterest expense to average assets2.9875%2,078
Loan and lease loss provision to assets0.2080%899
Net operating income to assets1.4462%1,289
Return on assets (ROA)1.4462%1,272
Pretax return on assets1.4462%1,964
Return on Equity (ROE)14.4789%944
Retained earnings to average equity (ytd only)7.6571%1,392
Net charge-offs to loans0.4392%415
Credit loss provision to net charge-offs77.9559%2,895
Earnings coverage of net charge-offs (x)6.1984%3,113
Efficiency ratio64.3277%3,138
Assets per employee ($millions)5.6401%1,821
Cash dividends to net income (ytd only)*47.1154%2,123
Condition Ratios (%)
Loss allowance to loans0.9270%4,059
Loan loss allowance to noncurrent loans113.1522%3,223
Noncurrent assets plus other real estate owned to assets0.4661%2,699
Noncurrent loans to loans0.8192%1,967
Net loans and leases to total assets56.3632%4,106
Net loans and leases to deposits63.3394%4,290
Net loans and leases to core deposits68.4757%4,209
Total domestic deposits to total assets88.9859%864
Equity capital to assets9.8945%3,768
Core capital (leverage) ratio9.8890%3,703
Tier 1 risk-based capital ratio15.0464%2,809
Total risk-based capital ratio15.8543%2,935
Memoranda:
Average total assets$186,976,6002,987
Average earning assets$176,716,4002,957
Average equity$18,675,4003,220
Average total loans$113,608,0003,088
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1396%3,495
Cost of funding earning assets0.3072%4,470
Net interest margin3.8324%2,516
Noninterest income to average assets1.0623%842
Noninterest expense to average assets3.0445%1,888
Loan and lease loss provision to assets0.2712%560
Net operating income to assets1.3646%1,607
Return on assets (ROA)1.3646%1,609
Pretax return on assets1.3646%2,361
Return on Equity (ROE)13.6282%1,225
Retained earnings to average equity (ytd only)6.3194%2,480
Net charge-offs to loans0.1755%948
Credit loss provision to net charge-offs250.0000%1,176
Earnings coverage of net charge-offs (x)15.0796%2,252
Efficiency ratio65.0185%3,031
Assets per employee ($millions)4.6270%2,949
Cash dividends to net income (ytd only)*53.6301%1,453
Condition Ratios (%)
Loss allowance to loans1.2104%2,566
Loan loss allowance to noncurrent loans97.6579%3,495
Noncurrent assets plus other real estate owned to assets0.7808%1,910
Noncurrent loans to loans1.2395%1,358
Net loans and leases to total assets62.2330%3,631
Net loans and leases to deposits70.4600%3,884
Net loans and leases to core deposits76.2124%3,784
Total domestic deposits to total assets88.3239%1,107
Equity capital to assets10.3533%3,277
Core capital (leverage) ratio10.4156%3,171
Tier 1 risk-based capital ratio14.5149%3,120
Total risk-based capital ratio15.5755%3,121
Memoranda:
Average total assets$184,370,2503,035
Average earning assets$174,055,0003,009
Average equity$18,461,2503,262
Average total loans$113,934,2503,101
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0523%3,606
Cost of funding earning assets0.2965%4,440
Net interest margin3.7558%2,728
Noninterest income to average assets1.1073%783
Noninterest expense to average assets3.0365%1,950
Loan and lease loss provision to assets0.1077%1,824
Net operating income to assets1.5112%1,130
Return on assets (ROA)1.5112%1,129
Pretax return on assets1.5112%1,770
Return on Equity (ROE)15.2605%800
Retained earnings to average equity (ytd only)7.1027%2,029
Net charge-offs to loans0.2333%687
Credit loss provision to net charge-offs75.1880%2,303
Earnings coverage of net charge-offs (x)11.3008%2,281
Efficiency ratio65.2013%3,121
Assets per employee ($millions)4.4218%3,245
Cash dividends to net income (ytd only)*53.4569%1,545
Condition Ratios (%)
Loss allowance to loans0.9736%3,991
Loan loss allowance to noncurrent loans132.4645%2,973
Noncurrent assets plus other real estate owned to assets0.4545%2,913
Noncurrent loans to loans0.7350%2,272
Net loans and leases to total assets61.2295%3,680
Net loans and leases to deposits68.9872%3,949
Net loans and leases to core deposits73.8972%3,887
Total domestic deposits to total assets88.7549%1,036
Equity capital to assets9.9684%3,656
Core capital (leverage) ratio10.0791%3,498
Tier 1 risk-based capital ratio14.0548%3,332
Total risk-based capital ratio14.8992%3,448
Memoranda:
Average total assets$185,675,6703,041
Average earning assets$175,407,0003,005
Average equity$18,387,3303,288
Average total loans$114,019,6703,109
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9620%3,749
Cost of funding earning assets0.2861%4,450
Net interest margin3.6759%2,901
Noninterest income to average assets0.9760%964
Noninterest expense to average assets3.2383%1,480
Loan and lease loss provision to assets0.0323%3,072
Net operating income to assets1.1936%2,033
Return on assets (ROA)1.1936%2,048
Pretax return on assets1.1936%2,778
Return on Equity (ROE)12.0931%1,551
Retained earnings to average equity (ytd only)5.5445%2,932
Net charge-offs to loans-0.0352%4,813
Credit loss provision to net charge-offs-150.0000%3,756
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.4903%2,124
Assets per employee ($millions)4.4117%3,304
Cash dividends to net income (ytd only)*54.1516%1,415
Condition Ratios (%)
Loss allowance to loans1.0061%3,913
Loan loss allowance to noncurrent loans160.8755%2,628
Noncurrent assets plus other real estate owned to assets0.3945%3,258
Noncurrent loans to loans0.6254%2,667
Net loans and leases to total assets62.4492%3,495
Net loans and leases to deposits70.4808%3,742
Net loans and leases to core deposits75.0070%3,740
Total domestic deposits to total assets88.6045%1,307
Equity capital to assets9.8347%3,761
Core capital (leverage) ratio9.8892%3,662
Tier 1 risk-based capital ratio13.8907%3,435
Total risk-based capital ratio14.7843%3,549
Memoranda:
Average total assets$185,655,5003,076
Average earning assets$176,174,5003,031
Average equity$18,324,5003,323
Average total loans$113,614,0003,135
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0141%3,353
Cost of funding earning assets0.2755%4,356
Net interest margin3.7386%2,638
Noninterest income to average assets1.0483%921
Noninterest expense to average assets3.2010%1,608
Loan and lease loss provision to assets0.3214%525
Net operating income to assets1.0349%2,107
Return on assets (ROA)1.0421%2,116
Pretax return on assets1.0421%3,407
Return on Equity (ROE)10.1451%1,826
Retained earnings to average equity (ytd only)1.7637%4,260
Net charge-offs to loans0.5680%406
Credit loss provision to net charge-offs89.3916%2,801
Earnings coverage of net charge-offs (x)3.7722%3,560
Efficiency ratio70.2154%2,512
Assets per employee ($millions)4.6505%2,954
Cash dividends to net income (ytd only)*82.6157%750
Condition Ratios (%)
Loss allowance to loans1.0432%3,667
Loan loss allowance to noncurrent loans131.9954%3,046
Noncurrent assets plus other real estate owned to assets0.4688%2,994
Noncurrent loans to loans0.7903%2,237
Net loans and leases to total assets58.6970%3,951
Net loans and leases to deposits65.5786%4,217
Net loans and leases to core deposits69.9370%4,179
Total domestic deposits to total assets89.5064%772
Equity capital to assets9.9055%3,812
Core capital (leverage) ratio9.6366%3,881
Tier 1 risk-based capital ratio14.1130%3,301
Total risk-based capital ratio15.0141%3,406
Memoranda:
Average total assets$178,285,6003,141
Average earning assets$167,334,0003,111
Average equity$18,314,2003,325
Average total loans$112,849,8003,146
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0430%3,205
Cost of funding earning assets0.2722%4,384
Net interest margin3.7708%2,501
Noninterest income to average assets1.0932%850
Noninterest expense to average assets3.2578%1,442
Loan and lease loss provision to assets0.3795%374
Net operating income to assets0.9859%2,614
Return on assets (ROA)0.9897%2,660
Pretax return on assets0.9897%3,726
Return on Equity (ROE)9.5443%2,328
Retained earnings to average equity (ytd only)0.0656%5,192
Net charge-offs to loans0.6932%277
Credit loss provision to net charge-offs85.0847%2,516
Earnings coverage of net charge-offs (x)3.0610%3,384
Efficiency ratio70.4334%2,465
Assets per employee ($millions)4.3391%3,410
Cash dividends to net income (ytd only)*99.3124%323
Condition Ratios (%)
Loss allowance to loans1.0205%3,951
Loan loss allowance to noncurrent loans298.4169%1,589
Noncurrent assets plus other real estate owned to assets0.2080%4,247
Noncurrent loans to loans0.3420%3,720
Net loans and leases to total assets60.1906%3,840
Net loans and leases to deposits67.5660%4,142
Net loans and leases to core deposits72.9748%4,062
Total domestic deposits to total assets89.0842%840
Equity capital to assets10.2288%3,665
Core capital (leverage) ratio9.9182%3,675
Tier 1 risk-based capital ratio14.0056%3,437
Total risk-based capital ratio14.8999%3,543
Memoranda:
Average total assets$176,352,5003,195
Average earning assets$165,088,0003,166
Average equity$18,286,2503,356
Average total loans$113,477,7503,168
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1067%2,806
Cost of funding earning assets0.2659%4,410
Net interest margin3.8408%2,124
Noninterest income to average assets1.0758%869
Noninterest expense to average assets3.2662%1,432
Loan and lease loss provision to assets0.4759%251
Net operating income to assets0.9118%2,855
Return on assets (ROA)0.9175%2,872
Pretax return on assets0.9175%3,871
Return on Equity (ROE)8.8067%2,602
Retained earnings to average equity (ytd only)-5.5042%5,551
Net charge-offs to loans0.8289%237
Credit loss provision to net charge-offs87.5527%2,171
Earnings coverage of net charge-offs (x)2.5527%3,150
Efficiency ratio70.1577%2,648
Assets per employee ($millions)4.0285%3,907
Cash dividends to net income (ytd only)*162.5000%121
Condition Ratios (%)
Loss allowance to loans1.0146%4,061
Loan loss allowance to noncurrent loans131.8182%3,037
Noncurrent assets plus other real estate owned to assets0.5080%3,070
Noncurrent loans to loans0.7697%2,475
Net loans and leases to total assets65.3339%3,203
Net loans and leases to deposits73.4632%3,602
Net loans and leases to core deposits79.4011%3,470
Total domestic deposits to total assets88.9342%993
Equity capital to assets10.5053%3,334
Core capital (leverage) ratio9.8293%3,741
Tier 1 risk-based capital ratio13.3560%3,772
Total risk-based capital ratio14.2567%3,911
Memoranda:
Average total assets$174,389,6703,229
Average earning assets$162,465,0003,208
Average equity$18,168,0003,376
Average total loans$114,362,6703,164
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0733%2,757
Cost of funding earning assets0.2591%4,463
Net interest margin3.8142%2,071
Noninterest income to average assets1.1728%739
Noninterest expense to average assets3.6143%886
Loan and lease loss provision to assets0.1143%1,676
Net operating income to assets0.9784%2,400
Return on assets (ROA)0.9784%2,452
Pretax return on assets0.9784%3,464
Return on Equity (ROE)9.4309%2,212
Retained earnings to average equity (ytd only)-12.6040%5,630
Net charge-offs to loans0.2378%753
Credit loss provision to net charge-offs73.5294%1,802
Earnings coverage of net charge-offs (x)7.0294%2,172
Efficiency ratio76.7363%1,798
Assets per employee ($millions)4.0932%3,854
Cash dividends to net income (ytd only)*233.6449%176
Condition Ratios (%)
Loss allowance to loans1.0449%4,002
Loan loss allowance to noncurrent loans149.1925%2,831
Noncurrent assets plus other real estate owned to assets0.5596%2,995
Noncurrent loans to loans0.7004%2,743
Net loans and leases to total assets64.6189%3,180
Net loans and leases to deposits72.3721%3,577
Net loans and leases to core deposits78.1346%3,459
Total domestic deposits to total assets89.2869%1,011
Equity capital to assets10.1529%3,569
Core capital (leverage) ratio9.6190%3,964
Tier 1 risk-based capital ratio13.2181%3,934
Total risk-based capital ratio14.1449%4,044
Memoranda:
Average total assets$174,971,0003,253
Average earning assets$162,129,5003,242
Average equity$18,153,0003,393
Average total loans$114,376,0003,187
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0322%3,087
Cost of funding earning assets0.2177%4,858
Net interest margin3.8145%2,261
Noninterest income to average assets1.2095%778
Noninterest expense to average assets3.2499%1,685
Loan and lease loss provision to assets0.2062%1,104
Net operating income to assets1.3264%1,155
Return on assets (ROA)1.3846%1,078
Pretax return on assets1.3846%1,999
Return on Equity (ROE)13.2690%929
Retained earnings to average equity (ytd only)5.3109%2,124
Net charge-offs to loans0.2235%1,242
Credit loss provision to net charge-offs143.7008%1,908
Earnings coverage of net charge-offs (x)10.6811%2,619
Efficiency ratio67.9187%3,248
Assets per employee ($millions)3.9530%4,054
Cash dividends to net income (ytd only)*59.9755%1,789
Condition Ratios (%)
Loss allowance to loans1.0710%3,880
Loan loss allowance to noncurrent loans101.5833%3,596
Noncurrent assets plus other real estate owned to assets0.6899%2,643
Noncurrent loans to loans1.0543%1,970
Net loans and leases to total assets64.7358%3,252
Net loans and leases to deposits72.8387%3,630
Net loans and leases to core deposits79.6239%3,427
Total domestic deposits to total assets88.8756%1,172
Equity capital to assets10.5995%3,044
Core capital (leverage) ratio10.1983%3,225
Tier 1 risk-based capital ratio13.5764%3,721
Total risk-based capital ratio14.5114%3,836
Memoranda:
Average total assets$177,021,2003,196
Average earning assets$165,815,6003,164
Average equity$18,471,6003,341
Average total loans$113,642,4003,162
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0022%3,226
Cost of funding earning assets0.2042%5,031
Net interest margin3.7980%2,340
Noninterest income to average assets1.3026%682
Noninterest expense to average assets3.2464%1,691
Loan and lease loss provision to assets0.2175%956
Net operating income to assets1.4091%1,056
Return on assets (ROA)1.4863%948
Pretax return on assets1.4863%1,752
Return on Equity (ROE)14.2994%768
Retained earnings to average equity (ytd only)6.2912%2,011
Net charge-offs to loans0.2160%1,076
Credit loss provision to net charge-offs157.6087%1,720
Earnings coverage of net charge-offs (x)11.7879%2,447
Efficiency ratio66.5897%3,490
Assets per employee ($millions)3.6678%4,542
Cash dividends to net income (ytd only)*56.0039%1,609
Condition Ratios (%)
Loss allowance to loans1.0515%4,112
Loan loss allowance to noncurrent loans168.6111%2,559
Noncurrent assets plus other real estate owned to assets0.4177%3,754
Noncurrent loans to loans0.6236%3,144
Net loans and leases to total assets66.2714%3,079
Net loans and leases to deposits77.6866%3,221
Net loans and leases to core deposits85.3922%3,003
Total domestic deposits to total assets85.3061%2,675
Equity capital to assets11.0561%2,951
Core capital (leverage) ratio10.0373%3,523
Tier 1 risk-based capital ratio13.3840%3,930
Total risk-based capital ratio14.3077%4,036
Memoranda:
Average total assets$177,793,2503,202
Average earning assets$167,136,2503,165
Average equity$18,480,5003,370
Average total loans$113,599,0003,170
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9669%3,360
Cost of funding earning assets0.1810%5,309
Net interest margin3.7860%2,383
Noninterest income to average assets1.3029%675
Noninterest expense to average assets3.2885%1,611
Loan and lease loss provision to assets0.2784%662
Net operating income to assets1.3007%1,275
Return on assets (ROA)1.4154%1,084
Pretax return on assets1.4154%1,967
Return on Equity (ROE)13.9001%851
Retained earnings to average equity (ytd only)5.6978%2,301
Net charge-offs to loans0.2301%1,021
Credit loss provision to net charge-offs192.3077%1,338
Earnings coverage of net charge-offs (x)10.9077%2,295
Efficiency ratio67.5132%3,445
Assets per employee ($millions)3.6275%4,553
Cash dividends to net income (ytd only)*59.0087%1,569
Condition Ratios (%)
Loss allowance to loans1.0295%4,350
Loan loss allowance to noncurrent loans234.7992%1,997
Noncurrent assets plus other real estate owned to assets0.2942%4,322
Noncurrent loans to loans0.4385%3,796
Net loans and leases to total assets66.4148%3,024
Net loans and leases to deposits78.6100%3,097
Net loans and leases to core deposits84.3468%3,053
Total domestic deposits to total assets84.4865%3,098
Equity capital to assets10.5211%3,611
Core capital (leverage) ratio9.6422%4,010
Tier 1 risk-based capital ratio12.9256%4,244
Total risk-based capital ratio13.8464%4,363
Memoranda:
Average total assets$179,596,0003,197
Average earning assets$169,098,0003,152
Average equity$18,287,6703,405
Average total loans$112,980,0003,190
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8758%3,678
Cost of funding earning assets0.1675%5,488
Net interest margin3.7083%2,634
Noninterest income to average assets1.0525%976
Noninterest expense to average assets3.4877%1,204
Loan and lease loss provision to assets0.2216%859
Net operating income to assets0.8265%3,117
Return on assets (ROA)1.0547%2,176
Pretax return on assets1.0547%3,256
Return on Equity (ROE)10.5304%1,769
Retained earnings to average equity (ytd only)3.4511%3,778
Net charge-offs to loans0.1894%1,030
Credit loss provision to net charge-offs192.3077%1,110
Earnings coverage of net charge-offs (x)9.0962%2,013
Efficiency ratio76.8442%2,065
Assets per employee ($millions)3.6657%4,530
Cash dividends to net income (ytd only)*67.2269%1,255
Condition Ratios (%)
Loss allowance to loans1.0425%4,374
Loan loss allowance to noncurrent loans166.3309%2,557
Noncurrent assets plus other real estate owned to assets0.3950%4,009
Noncurrent loans to loans0.6268%3,291
Net loans and leases to total assets62.3644%3,476
Net loans and leases to deposits71.0842%3,742
Net loans and leases to core deposits75.9275%3,688
Total domestic deposits to total assets87.7331%1,791
Equity capital to assets10.4039%3,611
Core capital (leverage) ratio9.2808%4,512
Tier 1 risk-based capital ratio12.6936%4,462
Total risk-based capital ratio13.5634%4,613
Memoranda:
Average total assets$180,520,0003,193
Average earning assets$169,564,0003,159
Average equity$18,081,0003,424
Average total loans$109,830,5003,243
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5549%4,790
Cost of funding earning assets0.1049%5,942
Net interest margin3.4500%3,721
Noninterest income to average assets1.0866%995
Noninterest expense to average assets3.0191%2,481
Loan and lease loss provision to assets0.1904%1,164
Net operating income to assets1.1136%1,860
Return on assets (ROA)1.1512%1,799
Pretax return on assets1.1512%2,835
Return on Equity (ROE)12.4212%1,203
Retained earnings to average equity (ytd only)4.2013%2,996
Net charge-offs to loans0.2004%1,458
Credit loss provision to net charge-offs188.4817%1,465
Earnings coverage of net charge-offs (x)12.9058%2,415
Efficiency ratio69.7993%3,253
Assets per employee ($millions)4.0236%3,900
Cash dividends to net income (ytd only)*66.1765%1,424
Condition Ratios (%)
Loss allowance to loans1.0186%4,490
Loan loss allowance to noncurrent loans151.7808%2,781
Noncurrent assets plus other real estate owned to assets0.3944%4,018
Noncurrent loans to loans0.6711%3,179
Net loans and leases to total assets58.1699%4,061
Net loans and leases to deposits69.8946%3,933
Net loans and leases to core deposits74.4674%3,893
Total domestic deposits to total assets83.2252%3,759
Equity capital to assets9.6474%4,378
Core capital (leverage) ratio9.3535%4,394
Tier 1 risk-based capital ratio12.9414%4,364
Total risk-based capital ratio13.7993%4,496
Memoranda:
Average total assets$189,027,8003,066
Average earning assets$177,331,6003,027
Average equity$17,518,4003,453
Average total loans$95,324,0003,467
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4584%5,081
Cost of funding earning assets0.0994%6,060
Net interest margin3.3589%4,109
Noninterest income to average assets1.1052%985
Noninterest expense to average assets2.9646%2,624
Loan and lease loss provision to assets0.1333%1,682
Net operating income to assets1.1599%1,800
Return on assets (ROA)1.1880%1,752
Pretax return on assets1.1880%2,862
Return on Equity (ROE)12.9476%1,134
Retained earnings to average equity (ytd only)4.2291%3,456
Net charge-offs to loans0.1073%2,058
Credit loss provision to net charge-offs256.7568%1,112
Earnings coverage of net charge-offs (x)24.9064%1,679
Efficiency ratio69.5781%3,275
Assets per employee ($millions)3.8026%4,261
Cash dividends to net income (ytd only)*67.3359%1,128
Condition Ratios (%)
Loss allowance to loans1.0602%4,425
Loan loss allowance to noncurrent loans112.9550%3,424
Noncurrent assets plus other real estate owned to assets0.5226%3,754
Noncurrent loans to loans0.9386%2,623
Net loans and leases to total assets55.0861%4,455
Net loans and leases to deposits61.6745%4,743
Net loans and leases to core deposits65.5488%4,725
Total domestic deposits to total assets89.3175%859
Equity capital to assets10.0603%4,087
Core capital (leverage) ratio8.9833%5,010
Tier 1 risk-based capital ratio12.6082%4,675
Total risk-based capital ratio13.4136%4,888
Memoranda:
Average total assets$190,013,0003,075
Average earning assets$178,346,0003,045
Average equity$17,434,0003,495
Average total loans$91,961,7503,578
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3570%5,317
Cost of funding earning assets0.0948%6,149
Net interest margin3.2622%4,444
Noninterest income to average assets0.9960%1,191
Noninterest expense to average assets2.9312%2,780
Loan and lease loss provision to assets0.1032%2,107
Net operating income to assets1.0146%2,316
Return on assets (ROA)1.0331%2,329
Pretax return on assets1.0331%3,443
Return on Equity (ROE)11.6045%1,498
Retained earnings to average equity (ytd only)2.5620%4,425
Net charge-offs to loans0.0984%2,030
Credit loss provision to net charge-offs227.2727%1,117
Earnings coverage of net charge-offs (x)24.6136%1,555
Efficiency ratio72.3426%2,957
Assets per employee ($millions)3.8486%4,169
Cash dividends to net income (ytd only)*77.9221%970
Condition Ratios (%)
Loss allowance to loans1.0475%4,622
Loan loss allowance to noncurrent loans105.4025%3,583
Noncurrent assets plus other real estate owned to assets0.5110%3,912
Noncurrent loans to loans0.9938%2,653
Net loans and leases to total assets50.8832%4,858
Net loans and leases to deposits56.4130%5,096
Net loans and leases to core deposits59.6859%5,089
Total domestic deposits to total assets90.1976%578
Equity capital to assets9.3910%4,792
Core capital (leverage) ratio8.3872%5,647
Tier 1 risk-based capital ratio12.8297%4,605
Total risk-based capital ratio13.6185%4,797
Memoranda:
Average total assets$193,776,6703,052
Average earning assets$181,352,0003,034
Average equity$17,252,0003,531
Average total loans$89,447,0003,655
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2414%5,575
Cost of funding earning assets0.0953%6,222
Net interest margin3.1461%4,796
Noninterest income to average assets0.9319%1,292
Noninterest expense to average assets3.0641%2,382
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.7968%3,276
Return on assets (ROA)0.8331%3,226
Pretax return on assets0.8331%4,117
Return on Equity (ROE)9.6024%2,178
Retained earnings to average equity (ytd only)1.9298%4,701
Net charge-offs to loans0.0646%2,098
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)28.2143%1,185
Efficiency ratio79.3103%1,986
Assets per employee ($millions)3.9534%4,053
Cash dividends to net income (ytd only)*79.9031%981
Condition Ratios (%)
Loss allowance to loans1.0396%4,826
Loan loss allowance to noncurrent loans62.6694%4,652
Noncurrent assets plus other real estate owned to assets0.7778%3,168
Noncurrent loans to loans1.6588%1,675
Net loans and leases to total assets46.4026%5,175
Net loans and leases to deposits51.1612%5,380
Net loans and leases to core deposits53.9288%5,372
Total domestic deposits to total assets90.6989%468
Equity capital to assets9.1509%5,137
Core capital (leverage) ratio8.3209%5,705
Tier 1 risk-based capital ratio13.4890%4,327
Total risk-based capital ratio14.2668%4,512
Memoranda:
Average total assets$198,299,5003,036
Average earning assets$184,611,5003,001
Average equity$17,204,0003,566
Average total loans$86,674,5003,736
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1601%5,880
Cost of funding earning assets0.1039%6,314
Net interest margin3.0562%5,302
Noninterest income to average assets0.9585%1,325
Noninterest expense to average assets2.6683%3,985
Loan and lease loss provision to assets0.1151%2,248
Net operating income to assets1.0501%2,161
Return on assets (ROA)1.0501%2,235
Pretax return on assets1.0501%3,302
Return on Equity (ROE)12.6423%1,227
Retained earnings to average equity (ytd only)5.0643%2,555
Net charge-offs to loans0.2189%1,918
Credit loss provision to net charge-offs129.3103%1,847
Earnings coverage of net charge-offs (x)13.0862%2,307
Efficiency ratio69.5501%3,620
Assets per employee ($millions)4.4008%3,189
Cash dividends to net income (ytd only)*59.9415%1,744
Condition Ratios (%)
Loss allowance to loans1.1130%4,476
Loan loss allowance to noncurrent loans64.2710%4,685
Noncurrent assets plus other real estate owned to assets0.7064%3,453
Noncurrent loans to loans1.7317%1,676
Net loans and leases to total assets40.3363%5,722
Net loans and leases to deposits43.9997%5,876
Net loans and leases to core deposits46.2155%5,881
Total domestic deposits to total assets91.6741%193
Equity capital to assets8.2399%5,939
Core capital (leverage) ratio7.8410%6,081
Tier 1 risk-based capital ratio13.8644%4,199
Total risk-based capital ratio14.6830%4,390
Memoranda:
Average total assets$195,404,0003,045
Average earning assets$183,825,6002,990
Average equity$16,231,2003,640
Average total loans$79,478,4003,887
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1689%5,936
Cost of funding earning assets0.1058%6,391
Net interest margin3.0631%5,354
Noninterest income to average assets0.9784%1,286
Noninterest expense to average assets2.6549%3,995
Loan and lease loss provision to assets0.1108%2,196
Net operating income to assets1.0989%2,036
Return on assets (ROA)1.0989%2,103
Pretax return on assets1.0989%3,189
Return on Equity (ROE)13.2014%1,170
Retained earnings to average equity (ytd only)5.1741%2,977
Net charge-offs to loans0.2130%1,762
Credit loss provision to net charge-offs128.0000%1,807
Earnings coverage of net charge-offs (x)13.9762%2,177
Efficiency ratio68.6436%3,740
Assets per employee ($millions)4.1288%3,602
Cash dividends to net income (ytd only)*60.8063%1,348
Condition Ratios (%)
Loss allowance to loans1.1461%4,522
Loan loss allowance to noncurrent loans108.5882%3,467
Noncurrent assets plus other real estate owned to assets0.4299%4,624
Noncurrent loans to loans1.0555%2,963
Net loans and leases to total assets40.1702%5,802
Net loans and leases to deposits43.9061%5,977
Net loans and leases to core deposits46.2124%5,950
Total domestic deposits to total assets91.4912%235
Equity capital to assets8.3639%5,898
Core capital (leverage) ratio8.0532%6,030
Tier 1 risk-based capital ratio14.4140%3,932
Total risk-based capital ratio15.2611%4,143
Memoranda:
Average total assets$192,546,0003,094
Average earning assets$181,425,5003,041
Average equity$16,028,2503,683
Average total loans$78,255,7503,953
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1791%5,976
Cost of funding earning assets0.1102%6,445
Net interest margin3.0689%5,350
Noninterest income to average assets0.9535%1,320
Noninterest expense to average assets2.7105%3,819
Loan and lease loss provision to assets0.0524%3,249
Net operating income to assets1.0825%2,000
Return on assets (ROA)1.0825%2,065
Pretax return on assets1.0825%3,173
Return on Equity (ROE)13.0256%1,167
Retained earnings to average equity (ytd only)4.1904%3,500
Net charge-offs to loans0.1910%1,879
Credit loss provision to net charge-offs67.5676%2,510
Earnings coverage of net charge-offs (x)14.6216%1,903
Efficiency ratio70.4310%3,585
Assets per employee ($millions)4.2242%3,417
Cash dividends to net income (ytd only)*67.8295%1,236
Condition Ratios (%)
Loss allowance to loans1.0985%4,915
Loan loss allowance to noncurrent loans100.8168%3,625
Noncurrent assets plus other real estate owned to assets0.4884%4,547
Noncurrent loans to loans1.0896%3,052
Net loans and leases to total assets40.0335%5,814
Net loans and leases to deposits43.7038%5,999
Net loans and leases to core deposits45.9532%5,999
Total domestic deposits to total assets91.6018%236
Equity capital to assets8.2860%5,959
Core capital (leverage) ratio8.0343%6,073
Tier 1 risk-based capital ratio14.5660%3,889
Total risk-based capital ratio15.3825%4,107
Memoranda:
Average total assets$190,666,6703,144
Average earning assets$179,672,6703,087
Average equity$15,845,6703,716
Average total loans$77,496,3303,987
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2222%5,973
Cost of funding earning assets0.1123%6,521
Net interest margin3.1098%5,216
Noninterest income to average assets1.0591%998
Noninterest expense to average assets3.0629%2,648
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.9278%2,512
Return on assets (ROA)0.9278%2,587
Pretax return on assets0.9278%3,598
Return on Equity (ROE)11.1465%1,638
Retained earnings to average equity (ytd only)4.7843%3,243
Net charge-offs to loans0.1560%1,781
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)14.6000%1,593
Efficiency ratio76.6985%2,691
Assets per employee ($millions)4.0877%3,741
Cash dividends to net income (ytd only)*57.0776%1,495
Condition Ratios (%)
Loss allowance to loans1.1688%4,781
Loan loss allowance to noncurrent loans92.1590%3,813
Noncurrent assets plus other real estate owned to assets0.4856%4,686
Noncurrent loans to loans1.2682%2,911
Net loans and leases to total assets37.7638%5,958
Net loans and leases to deposits41.2768%6,118
Net loans and leases to core deposits43.4272%6,101
Total domestic deposits to total assets91.4893%380
Equity capital to assets8.3342%5,798
Core capital (leverage) ratio8.3850%5,760
Tier 1 risk-based capital ratio15.0750%3,672
Total risk-based capital ratio15.9222%3,859
Memoranda:
Average total assets$188,842,5003,181
Average earning assets$178,015,5003,124
Average equity$15,718,0003,745
Average total loans$76,917,0004,036
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1763%6,165
Cost of funding earning assets0.1707%6,436
Net interest margin3.0056%5,567
Noninterest income to average assets1.1939%992
Noninterest expense to average assets2.8473%3,541
Loan and lease loss provision to assets0.0959%3,204
Net operating income to assets1.0634%2,065
Return on assets (ROA)1.0868%2,051
Pretax return on assets1.0868%2,998
Return on Equity (ROE)14.5655%837
Retained earnings to average equity (ytd only)9.1061%753
Net charge-offs to loans0.2636%2,385
Credit loss provision to net charge-offs93.2642%2,667
Earnings coverage of net charge-offs (x)11.2798%2,255
Efficiency ratio70.9995%3,672
Assets per employee ($millions)3.9481%3,971
Cash dividends to net income (ytd only)*37.4816%2,928
Condition Ratios (%)
Loss allowance to loans1.1042%5,124
Loan loss allowance to noncurrent loans78.8632%4,209
Noncurrent assets plus other real estate owned to assets0.6214%4,374
Noncurrent loans to loans1.4001%2,794
Net loans and leases to total assets42.8617%5,762
Net loans and leases to deposits46.8029%5,960
Net loans and leases to core deposits49.3724%5,970
Total domestic deposits to total assets91.5791%380
Equity capital to assets8.3120%5,770
Core capital (leverage) ratio7.4014%6,413
Tier 1 risk-based capital ratio14.0808%4,245
Total risk-based capital ratio14.9100%4,491
Memoranda:
Average total assets$187,792,8003,186
Average earning assets$175,736,6003,136
Average equity$14,012,6004,068
Average total loans$73,208,2004,157
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1085%6,309
Cost of funding earning assets0.1755%6,524
Net interest margin2.9330%5,734
Noninterest income to average assets1.2530%933
Noninterest expense to average assets2.7983%3,670
Loan and lease loss provision to assets0.1026%3,052
Net operating income to assets1.0845%2,068
Return on assets (ROA)1.1156%2,019
Pretax return on assets1.1156%3,045
Return on Equity (ROE)15.3830%733
Retained earnings to average equity (ytd only)10.3562%719
Net charge-offs to loans0.2894%2,091
Credit loss provision to net charge-offs93.5484%2,545
Earnings coverage of net charge-offs (x)10.8194%2,315
Efficiency ratio70.1421%3,741
Assets per employee ($millions)4.2108%3,400
Cash dividends to net income (ytd only)*32.6777%2,580
Condition Ratios (%)
Loss allowance to loans1.2020%4,853
Loan loss allowance to noncurrent loans133.1839%2,788
Noncurrent assets plus other real estate owned to assets0.3810%5,263
Noncurrent loans to loans0.9025%4,016
Net loans and leases to total assets37.0060%6,224
Net loans and leases to deposits39.7705%6,390
Net loans and leases to core deposits41.8856%6,389
Total domestic deposits to total assets93.0487%123
Equity capital to assets6.7436%6,605
Core capital (leverage) ratio6.8434%6,621
Tier 1 risk-based capital ratio12.0240%5,764
Total risk-based capital ratio12.8570%5,970
Memoranda:
Average total assets$188,350,5003,212
Average earning assets$175,470,5003,168
Average equity$13,659,7504,186
Average total loans$71,404,5004,249
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1496%6,293
Cost of funding earning assets0.1769%6,589
Net interest margin2.9727%5,637
Noninterest income to average assets1.3221%891
Noninterest expense to average assets2.8591%3,481
Loan and lease loss provision to assets0.1026%3,081
Net operating income to assets1.1006%1,925
Return on assets (ROA)1.1482%1,867
Pretax return on assets1.1482%2,894
Return on Equity (ROE)15.4457%743
Retained earnings to average equity (ytd only)11.8131%526
Net charge-offs to loans0.2241%2,392
Credit loss provision to net charge-offs120.2532%1,852
Earnings coverage of net charge-offs (x)14.1013%1,850
Efficiency ratio70.3005%3,767
Assets per employee ($millions)3.6977%4,403
Cash dividends to net income (ytd only)*23.5183%2,869
Condition Ratios (%)
Loss allowance to loans1.3549%4,243
Loan loss allowance to noncurrent loans113.6307%3,146
Noncurrent assets plus other real estate owned to assets0.5304%4,934
Noncurrent loans to loans1.1924%3,567
Net loans and leases to total assets36.8476%6,247
Net loans and leases to deposits39.8079%6,410
Net loans and leases to core deposits42.0626%6,404
Total domestic deposits to total assets92.5635%174
Equity capital to assets7.2743%6,519
Core capital (leverage) ratio6.8960%6,634
Tier 1 risk-based capital ratio12.6022%5,430
Total risk-based capital ratio13.5184%5,592
Memoranda:
Average total assets$185,165,3303,266
Average earning assets$170,685,6703,245
Average equity$13,764,3304,197
Average total loans$70,496,6704,297
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1312%6,372
Cost of funding earning assets0.1756%6,696
Net interest margin2.9556%5,691
Noninterest income to average assets1.3636%829
Noninterest expense to average assets3.0477%2,845
Loan and lease loss provision to assets0.2030%1,827
Net operating income to assets0.8464%2,918
Return on assets (ROA)0.8464%3,058
Pretax return on assets0.8464%3,967
Return on Equity (ROE)11.2688%1,629
Retained earnings to average equity (ytd only)4.1547%3,727
Net charge-offs to loans0.1669%2,402
Credit loss provision to net charge-offs316.6667%765
Earnings coverage of net charge-offs (x)16.3667%1,367
Efficiency ratio74.2827%3,218
Assets per employee ($millions)4.0092%3,924
Cash dividends to net income (ytd only)*63.1313%1,251
Condition Ratios (%)
Loss allowance to loans1.3706%4,375
Loan loss allowance to noncurrent loans56.8570%4,859
Noncurrent assets plus other real estate owned to assets0.9568%4,017
Noncurrent loans to loans2.4107%2,151
Net loans and leases to total assets36.8895%6,234
Net loans and leases to deposits39.9986%6,418
Net loans and leases to core deposits42.9638%6,367
Total domestic deposits to total assets92.2269%210
Equity capital to assets7.4424%6,610
Core capital (leverage) ratio6.5261%6,743
Tier 1 risk-based capital ratio12.1161%5,845
Total risk-based capital ratio13.0959%5,976
Memoranda:
Average total assets$187,154,5003,266
Average earning assets$173,095,5003,236
Average equity$14,056,5004,186
Average total loans$71,905,0004,272
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3751%6,509
Cost of funding earning assets0.2343%6,734
Net interest margin3.1408%5,721
Noninterest income to average assets1.3899%806
Noninterest expense to average assets2.8226%3,937
Loan and lease loss provision to assets0.4605%1,365
Net operating income to assets1.0018%2,325
Return on assets (ROA)1.0423%2,358
Pretax return on assets1.0423%3,388
Return on Equity (ROE)13.5536%1,095
Retained earnings to average equity (ytd only)5.9802%2,085
Net charge-offs to loans1.4969%598
Credit loss provision to net charge-offs76.8792%3,934
Earnings coverage of net charge-offs (x)2.4415%4,191
Efficiency ratio65.7800%4,549
Assets per employee ($millions)3.8724%4,221
Cash dividends to net income (ytd only)*55.8775%2,010
Condition Ratios (%)
Loss allowance to loans1.2287%4,983
Loan loss allowance to noncurrent loans55.0397%4,872
Noncurrent assets plus other real estate owned to assets0.9366%4,158
Noncurrent loans to loans2.2323%2,428
Net loans and leases to total assets38.9674%6,230
Net loans and leases to deposits42.3135%6,450
Net loans and leases to core deposits45.7013%6,390
Total domestic deposits to total assets92.0920%232
Equity capital to assets7.5798%6,604
Core capital (leverage) ratio6.6447%6,768
Tier 1 risk-based capital ratio11.7345%5,937
Total risk-based capital ratio12.6307%6,142
Memoranda:
Average total assets$175,475,4003,371
Average earning assets$161,742,8003,355
Average equity$13,494,6004,259
Average total loans$70,210,4004,353
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3905%6,638
Cost of funding earning assets0.2481%6,815
Net interest margin3.1424%5,837
Noninterest income to average assets1.3882%776
Noninterest expense to average assets2.8058%3,961
Loan and lease loss provision to assets0.5499%1,058
Net operating income to assets0.9440%2,773
Return on assets (ROA)0.9988%2,733
Pretax return on assets0.9988%3,717
Return on Equity (ROE)12.9374%1,352
Retained earnings to average equity (ytd only)6.9233%2,169
Net charge-offs to loans1.9626%375
Credit loss provision to net charge-offs69.7652%3,908
Earnings coverage of net charge-offs (x)1.8953%4,313
Efficiency ratio65.1659%4,596
Assets per employee ($millions)3.6339%4,694
Cash dividends to net income (ytd only)*46.4868%1,858
Condition Ratios (%)
Loss allowance to loans1.1591%5,478
Loan loss allowance to noncurrent loans38.4438%5,722
Noncurrent assets plus other real estate owned to assets1.3576%3,586
Noncurrent loans to loans3.0151%1,852
Net loans and leases to total assets40.8216%6,219
Net loans and leases to deposits44.5411%6,478
Net loans and leases to core deposits48.3752%6,392
Total domestic deposits to total assets91.6491%258
Equity capital to assets8.1336%6,524
Core capital (leverage) ratio6.6535%6,854
Tier 1 risk-based capital ratio11.9777%5,949
Total risk-based capital ratio12.8339%6,156
Memoranda:
Average total assets$172,875,2503,439
Average earning assets$160,169,7503,414
Average equity$13,346,0004,331
Average total loans$69,430,0004,413
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4071%6,721
Cost of funding earning assets0.2634%6,867
Net interest margin3.1436%5,879
Noninterest income to average assets1.4679%674
Noninterest expense to average assets2.8174%3,946
Loan and lease loss provision to assets0.6707%840
Net operating income to assets0.8877%2,967
Return on assets (ROA)0.9701%2,829
Pretax return on assets0.9701%3,818
Return on Equity (ROE)12.7969%1,416
Retained earnings to average equity (ytd only)8.2047%1,570
Net charge-offs to loans2.6371%256
Credit loss provision to net charge-offs63.9381%3,709
Earnings coverage of net charge-offs (x)1.4856%4,250
Efficiency ratio64.3065%4,838
Assets per employee ($millions)3.6634%4,610
Cash dividends to net income (ytd only)*35.8852%2,361
Condition Ratios (%)
Loss allowance to loans1.2225%5,253
Loan loss allowance to noncurrent loans38.3677%5,742
Noncurrent assets plus other real estate owned to assets1.2443%3,925
Noncurrent loans to loans3.1863%1,827
Net loans and leases to total assets37.5868%6,514
Net loans and leases to deposits40.8173%6,705
Net loans and leases to core deposits44.7291%6,632
Total domestic deposits to total assets92.0855%214
Equity capital to assets7.7513%6,693
Core capital (leverage) ratio6.6556%6,892
Tier 1 risk-based capital ratio12.3051%5,718
Total risk-based capital ratio13.1786%5,943
Memoranda:
Average total assets$172,358,6703,468
Average earning assets$159,432,6703,440
Average equity$13,065,6704,380
Average total loans$68,560,6704,465
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4800%6,723
Cost of funding earning assets0.2896%6,871
Net interest margin3.1904%5,807
Noninterest income to average assets1.4137%726
Noninterest expense to average assets2.9821%3,323
Loan and lease loss provision to assets0.7104%733
Net operating income to assets0.6658%4,047
Return on assets (ROA)0.6658%4,264
Pretax return on assets0.6658%4,895
Return on Equity (ROE)8.8865%2,875
Retained earnings to average equity (ytd only)-0.5006%6,079
Net charge-offs to loans1.3951%721
Credit loss provision to net charge-offs125.2066%1,906
Earnings coverage of net charge-offs (x)2.4256%3,210
Efficiency ratio68.3163%4,116
Assets per employee ($millions)3.7876%4,453
Cash dividends to net income (ytd only)*105.6338%505
Condition Ratios (%)
Loss allowance to loans1.7830%3,049
Loan loss allowance to noncurrent loans35.1722%5,901
Noncurrent assets plus other real estate owned to assets1.9678%2,953
Noncurrent loans to loans5.0695%1,100
Net loans and leases to total assets37.2863%6,542
Net loans and leases to deposits40.2371%6,725
Net loans and leases to core deposits43.9329%6,656
Total domestic deposits to total assets92.6664%166
Equity capital to assets7.1403%6,895
Core capital (leverage) ratio6.4771%6,973
Tier 1 risk-based capital ratio11.4849%6,291
Total risk-based capital ratio12.7349%6,272
Memoranda:
Average total assets$170,617,5003,509
Average earning assets$157,470,0003,479
Average equity$12,783,5004,444
Average total loans$69,385,5004,465
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1921%6,074
Cost of funding earning assets0.4045%6,875
Net interest margin3.7876%3,890
Noninterest income to average assets1.3826%668
Noninterest expense to average assets3.4585%2,096
Loan and lease loss provision to assets0.4710%2,246
Net operating income to assets0.9032%2,588
Return on assets (ROA)1.0771%2,036
Pretax return on assets1.0771%2,919
Return on Equity (ROE)12.7767%1,212
Retained earnings to average equity (ytd only)7.4360%1,301
Net charge-offs to loans0.5354%2,866
Credit loss provision to net charge-offs179.4195%1,455
Earnings coverage of net charge-offs (x)5.2348%2,856
Efficiency ratio71.4490%3,704
Assets per employee ($millions)3.4727%5,089
Cash dividends to net income (ytd only)*41.8006%2,482
Condition Ratios (%)
Loss allowance to loans1.6070%3,558
Loan loss allowance to noncurrent loans47.9665%5,138
Noncurrent assets plus other real estate owned to assets1.4612%3,788
Noncurrent loans to loans3.3502%1,933
Net loans and leases to total assets42.9156%6,307
Net loans and leases to deposits46.6529%6,588
Net loans and leases to core deposits51.3975%6,456
Total domestic deposits to total assets91.9892%240
Equity capital to assets7.8766%6,647
Core capital (leverage) ratio6.9597%6,877
Tier 1 risk-based capital ratio11.3982%6,216
Total risk-based capital ratio12.5854%6,253
Memoranda:
Average total assets$144,369,2003,903
Average earning assets$131,509,6003,903
Average equity$12,170,6004,511
Average total loans$70,792,6004,459
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3224%5,880
Cost of funding earning assets0.4308%6,939
Net interest margin3.8917%3,418
Noninterest income to average assets1.4550%615
Noninterest expense to average assets3.5696%1,773
Loan and lease loss provision to assets0.4678%2,112
Net operating income to assets0.9623%2,473
Return on assets (ROA)1.2020%1,755
Pretax return on assets1.2020%2,626
Return on Equity (ROE)13.9894%1,039
Retained earnings to average equity (ytd only)11.2115%594
Net charge-offs to loans0.3414%3,391
Credit loss provision to net charge-offs270.7182%1,059
Earnings coverage of net charge-offs (x)8.2761%2,206
Efficiency ratio71.2813%3,691
Assets per employee ($millions)3.3254%5,431
Cash dividends to net income (ytd only)*19.8574%2,934
Condition Ratios (%)
Loss allowance to loans1.6139%3,591
Loan loss allowance to noncurrent loans47.1358%5,182
Noncurrent assets plus other real estate owned to assets1.5637%3,749
Noncurrent loans to loans3.4240%2,008
Net loans and leases to total assets44.9317%6,249
Net loans and leases to deposits49.1270%6,554
Net loans and leases to core deposits54.4067%6,429
Total domestic deposits to total assets91.4604%306
Equity capital to assets8.2773%6,507
Core capital (leverage) ratio7.4411%6,795
Tier 1 risk-based capital ratio12.8327%5,217
Total risk-based capital ratio14.0840%5,196
Memoranda:
Average total assets$139,657,0004,006
Average earning assets$127,209,2504,010
Average equity$11,999,2504,571
Average total loans$70,693,2504,504
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4787%5,419
Cost of funding earning assets0.4566%6,986
Net interest margin4.0221%2,730
Noninterest income to average assets1.4779%586
Noninterest expense to average assets3.5493%1,858
Loan and lease loss provision to assets0.2833%3,113
Net operating income to assets1.2840%1,360
Return on assets (ROA)1.2840%1,427
Pretax return on assets1.2840%2,189
Return on Equity (ROE)14.7347%847
Retained earnings to average equity (ytd only)10.4564%753
Net charge-offs to loans0.4002%2,958
Credit loss provision to net charge-offs134.7518%2,267
Earnings coverage of net charge-offs (x)7.4539%2,220
Efficiency ratio69.2509%4,274
Assets per employee ($millions)2.9507%6,190
Cash dividends to net income (ytd only)*29.0360%2,515
Condition Ratios (%)
Loss allowance to loans1.2665%5,219
Loan loss allowance to noncurrent loans34.1762%6,036
Noncurrent assets plus other real estate owned to assets2.0279%3,195
Noncurrent loans to loans3.7058%1,897
Net loans and leases to total assets48.0953%6,038
Net loans and leases to deposits52.7054%6,418
Net loans and leases to core deposits58.9758%6,195
Total domestic deposits to total assets91.2530%406
Equity capital to assets8.5479%6,133
Core capital (leverage) ratio7.8471%6,460
Tier 1 risk-based capital ratio12.8790%5,020
Total risk-based capital ratio13.9541%5,144
Memoranda:
Average total assets$134,111,0004,143
Average earning assets$121,328,6704,161
Average equity$11,686,6704,644
Average total loans$70,465,0004,554
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5055%5,317
Cost of funding earning assets0.4757%7,046
Net interest margin4.0298%2,565
Noninterest income to average assets1.7102%466
Noninterest expense to average assets3.7463%1,446
Loan and lease loss provision to assets0.4035%2,174
Net operating income to assets1.1888%1,551
Return on assets (ROA)1.1888%1,600
Pretax return on assets1.1888%2,419
Return on Equity (ROE)13.4972%1,091
Retained earnings to average equity (ytd only)4.6870%3,382
Net charge-offs to loans0.6583%1,891
Credit loss provision to net charge-offs112.0690%2,393
Earnings coverage of net charge-offs (x)4.4224%2,483
Efficiency ratio70.0581%4,258
Assets per employee ($millions)2.8794%6,395
Cash dividends to net income (ytd only)*65.2742%1,129
Condition Ratios (%)
Loss allowance to loans1.2413%5,440
Loan loss allowance to noncurrent loans36.0387%5,894
Noncurrent assets plus other real estate owned to assets2.0801%3,221
Noncurrent loans to loans3.4443%2,176
Net loans and leases to total assets50.3835%5,797
Net loans and leases to deposits55.3315%6,189
Net loans and leases to core deposits62.1327%5,913
Total domestic deposits to total assets91.0575%598
Equity capital to assets8.4865%5,926
Core capital (leverage) ratio8.1618%6,030
Tier 1 risk-based capital ratio12.7151%5,046
Total risk-based capital ratio13.7828%5,212
Memoranda:
Average total assets$128,873,5004,281
Average earning assets$116,035,5004,299
Average equity$11,350,5004,705
Average total loans$70,482,0004,606
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7809%5,487
Cost of funding earning assets0.6400%7,033
Net interest margin4.1409%2,406
Noninterest income to average assets1.3770%768
Noninterest expense to average assets4.1234%1,001
Loan and lease loss provision to assets0.2596%4,712
Net operating income to assets0.7581%2,962
Return on assets (ROA)0.8084%2,897
Pretax return on assets0.8084%3,597
Return on Equity (ROE)8.6022%2,464
Retained earnings to average equity (ytd only)2.2624%4,299
Net charge-offs to loans0.2466%4,813
Credit loss provision to net charge-offs188.6228%1,718
Earnings coverage of net charge-offs (x)7.3952%2,141
Efficiency ratio80.0449%2,407
Assets per employee ($millions)2.5503%6,933
Cash dividends to net income (ytd only)*73.7003%1,068
Condition Ratios (%)
Loss allowance to loans1.1721%5,635
Loan loss allowance to noncurrent loans45.7158%5,272
Noncurrent assets plus other real estate owned to assets1.7392%3,696
Noncurrent loans to loans2.5639%2,967
Net loans and leases to total assets58.0640%5,016
Net loans and leases to deposits64.0773%5,621
Net loans and leases to core deposits77.5007%4,520
Total domestic deposits to total assets90.6155%785
Equity capital to assets9.1623%4,896
Core capital (leverage) ratio8.3267%5,649
Tier 1 risk-based capital ratio12.7542%4,816
Total risk-based capital ratio13.8218%4,947
Memoranda:
Average total assets$121,354,8004,456
Average earning assets$110,313,4004,457
Average equity$11,404,0004,762
Average total loans$67,732,4004,759
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7455%5,869
Cost of funding earning assets0.6753%7,117
Net interest margin4.0701%2,763
Noninterest income to average assets1.3631%728
Noninterest expense to average assets3.9342%1,148
Loan and lease loss provision to assets0.2345%4,729
Net operating income to assets0.8974%2,618
Return on assets (ROA)0.8974%2,771
Pretax return on assets0.8974%3,567
Return on Equity (ROE)9.4895%2,323
Retained earnings to average equity (ytd only)1.0712%5,385
Net charge-offs to loans0.2279%4,567
Credit loss provision to net charge-offs186.8421%1,932
Earnings coverage of net charge-offs (x)9.0173%2,080
Efficiency ratio77.5049%2,694
Assets per employee ($millions)2.6231%6,898
Cash dividends to net income (ytd only)*88.7120%480
Condition Ratios (%)
Loss allowance to loans1.1859%5,559
Loan loss allowance to noncurrent loans41.2039%5,545
Noncurrent assets plus other real estate owned to assets1.6490%3,969
Noncurrent loans to loans2.8782%2,774
Net loans and leases to total assets53.6610%5,896
Net loans and leases to deposits59.5698%6,345
Net loans and leases to core deposits72.1954%5,489
Total domestic deposits to total assets90.0809%838
Equity capital to assets9.4349%4,936
Core capital (leverage) ratio8.3347%5,812
Tier 1 risk-based capital ratio13.0694%4,523
Total risk-based capital ratio14.1173%4,669
Memoranda:
Average total assets$121,089,7504,524
Average earning assets$110,165,7504,527
Average equity$11,451,0004,825
Average total loans$66,685,0004,879
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7901%5,830
Cost of funding earning assets0.7215%7,139
Net interest margin4.0686%2,704
Noninterest income to average assets1.3493%693
Noninterest expense to average assets4.0197%1,018
Loan and lease loss provision to assets0.2493%4,431
Net operating income to assets0.7910%3,007
Return on assets (ROA)0.7910%3,157
Pretax return on assets0.7910%3,910
Return on Equity (ROE)8.3577%2,736
Retained earnings to average equity (ytd only)-0.1053%5,754
Net charge-offs to loans0.2763%3,952
Credit loss provision to net charge-offs163.0435%2,424
Earnings coverage of net charge-offs (x)6.8043%2,401
Efficiency ratio79.2775%2,532
Assets per employee ($millions)2.6688%6,829
Cash dividends to net income (ytd only)*101.2605%446
Condition Ratios (%)
Loss allowance to loans1.1359%5,764
Loan loss allowance to noncurrent loans34.6048%6,057
Noncurrent assets plus other real estate owned to assets1.8817%3,644
Noncurrent loans to loans3.2825%2,442
Net loans and leases to total assets53.3854%6,064
Net loans and leases to deposits59.1685%6,484
Net loans and leases to core deposits72.1641%5,653
Total domestic deposits to total assets90.2260%810
Equity capital to assets9.2804%5,030
Core capital (leverage) ratio8.2803%5,804
Tier 1 risk-based capital ratio13.1267%4,340
Total risk-based capital ratio14.1350%4,492
Memoranda:
Average total assets$120,357,3304,558
Average earning assets$109,768,3304,563
Average equity$11,390,6704,838
Average total loans$66,596,3304,915
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6903%6,277
Cost of funding earning assets0.7633%7,195
Net interest margin3.9270%3,213
Noninterest income to average assets0.7083%2,540
Noninterest expense to average assets3.3704%2,312
Loan and lease loss provision to assets0.2921%3,683
Net operating income to assets0.6210%3,798
Return on assets (ROA)0.6210%3,932
Pretax return on assets0.6210%4,525
Return on Equity (ROE)6.4972%3,621
Retained earnings to average equity (ytd only)-1.9667%6,208
Net charge-offs to loans0.1918%3,771
Credit loss provision to net charge-offs271.8750%1,458
Earnings coverage of net charge-offs (x)8.5000%1,953
Efficiency ratio78.4483%2,821
Assets per employee ($millions)3.0618%6,084
Cash dividends to net income (ytd only)*130.2703%391
Condition Ratios (%)
Loss allowance to loans1.1601%5,715
Loan loss allowance to noncurrent loans33.3482%6,179
Noncurrent assets plus other real estate owned to assets2.1091%3,369
Noncurrent loans to loans3.4788%2,294
Net loans and leases to total assets52.1744%6,252
Net loans and leases to deposits57.8325%6,632
Net loans and leases to core deposits70.5292%5,871
Total domestic deposits to total assets90.2164%882
Equity capital to assets9.3100%4,820
Core capital (leverage) ratio8.4499%5,467
Tier 1 risk-based capital ratio13.1843%4,219
Total risk-based capital ratio14.1912%4,355
Memoranda:
Average total assets$119,154,0004,651
Average earning assets$108,479,5004,647
Average equity$11,389,5004,873
Average total loans$66,749,0004,980
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3566%4,913
Cost of funding earning assets1.0060%7,196
Net interest margin4.3505%1,570
Noninterest income to average assets1.1623%1,141
Noninterest expense to average assets3.7660%1,760
Loan and lease loss provision to assets0.4929%3,910
Net operating income to assets0.8772%2,256
Return on assets (ROA)1.0902%1,586
Pretax return on assets1.0902%2,283
Return on Equity (ROE)11.6094%1,261
Retained earnings to average equity (ytd only)5.1104%1,763
Net charge-offs to loans0.7331%2,994
Credit loss provision to net charge-offs112.9482%4,853
Earnings coverage of net charge-offs (x)3.1394%3,492
Efficiency ratio73.1212%4,069
Assets per employee ($millions)2.8960%6,461
Cash dividends to net income (ytd only)*55.9809%2,195
Condition Ratios (%)
Loss allowance to loans1.0094%6,324
Loan loss allowance to noncurrent loans75.7906%3,618
Noncurrent assets plus other real estate owned to assets1.1689%4,758
Noncurrent loans to loans1.3319%4,699
Net loans and leases to total assets58.8365%5,509
Net loans and leases to deposits65.6587%6,090
Net loans and leases to core deposits98.7353%4,145
Total domestic deposits to total assets89.6096%1,152
Equity capital to assets9.8215%3,981
Core capital (leverage) ratio8.6749%4,964
Tier 1 risk-based capital ratio13.0169%4,131
Total risk-based capital ratio13.9332%4,312
Memoranda:
Average total assets$115,029,2004,699
Average earning assets$105,067,2004,701
Average equity$10,801,6005,078
Average total loans$68,472,2004,924
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4643%4,608
Cost of funding earning assets1.0613%7,263
Net interest margin4.4030%1,431
Noninterest income to average assets1.1739%1,135
Noninterest expense to average assets3.7969%1,592
Loan and lease loss provision to assets0.4610%3,607
Net operating income to assets0.9336%2,295
Return on assets (ROA)0.9336%2,361
Pretax return on assets0.9336%3,119
Return on Equity (ROE)10.0581%1,891
Retained earnings to average equity (ytd only)4.2034%2,928
Net charge-offs to loans0.2320%4,605
Credit loss provision to net charge-offs333.6134%1,232
Earnings coverage of net charge-offs (x)10.0926%2,010
Efficiency ratio72.9367%4,067
Assets per employee ($millions)2.7456%6,746
Cash dividends to net income (ytd only)*58.2087%1,682
Condition Ratios (%)
Loss allowance to loans1.3095%4,445
Loan loss allowance to noncurrent loans75.4153%3,602
Noncurrent assets plus other real estate owned to assets1.1369%4,796
Noncurrent loans to loans1.7363%4,028
Net loans and leases to total assets59.3434%5,687
Net loans and leases to deposits66.2571%6,287
Net loans and leases to core deposits101.4348%4,219
Total domestic deposits to total assets89.5653%936
Equity capital to assets10.0358%4,046
Core capital (leverage) ratio8.3491%5,753
Tier 1 risk-based capital ratio12.9538%4,224
Total risk-based capital ratio14.1721%4,180
Memoranda:
Average total assets$114,827,0004,721
Average earning assets$104,774,7504,745
Average equity$10,657,7505,154
Average total loans$68,377,7504,975
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5840%4,152
Cost of funding earning assets1.1571%7,226
Net interest margin4.4269%1,347
Noninterest income to average assets1.2349%1,012
Noninterest expense to average assets3.6664%1,903
Loan and lease loss provision to assets0.2791%4,340
Net operating income to assets1.3134%1,200
Return on assets (ROA)1.3134%1,273
Pretax return on assets1.3134%1,981
Return on Equity (ROE)14.5470%896
Retained earnings to average equity (ytd only)5.5058%2,247
Net charge-offs to loans0.1352%4,814
Credit loss provision to net charge-offs347.8261%1,333
Earnings coverage of net charge-offs (x)19.8478%1,340
Efficiency ratio69.5191%4,872
Assets per employee ($millions)2.5370%7,182
Cash dividends to net income (ytd only)*62.1514%1,605
Condition Ratios (%)
Loss allowance to loans1.0595%5,840
Loan loss allowance to noncurrent loans86.5116%3,280
Noncurrent assets plus other real estate owned to assets0.7964%5,400
Noncurrent loans to loans1.2246%4,759
Net loans and leases to total assets62.2445%5,321
Net loans and leases to deposits72.1378%5,716
Net loans and leases to core deposits109.6295%3,417
Total domestic deposits to total assets86.2855%2,634
Equity capital to assets9.9618%3,994
Core capital (leverage) ratio8.6927%5,098
Tier 1 risk-based capital ratio12.9605%4,175
Total risk-based capital ratio13.9648%4,263
Memoranda:
Average total assets$114,663,6704,755
Average earning assets$104,226,6704,783
Average equity$10,352,6705,266
Average total loans$68,056,6705,028
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5465%4,656
Cost of funding earning assets1.3581%6,849
Net interest margin4.1884%1,940
Noninterest income to average assets1.4735%647
Noninterest expense to average assets3.6012%1,865
Loan and lease loss provision to assets0.2754%3,758
Net operating income to assets1.3875%1,166
Return on assets (ROA)1.3875%1,258
Pretax return on assets1.3875%2,003
Return on Equity (ROE)16.1701%794
Retained earnings to average equity (ytd only)6.7810%2,297
Net charge-offs to loans0.0358%5,011
Credit loss provision to net charge-offs1,333.3333%474
Earnings coverage of net charge-offs (x)80.5000%521
Efficiency ratio68.2145%4,920
Assets per employee ($millions)2.4689%7,341
Cash dividends to net income (ytd only)*58.0645%1,545
Condition Ratios (%)
Loss allowance to loans1.0305%5,932
Loan loss allowance to noncurrent loans485.5172%718
Noncurrent assets plus other real estate owned to assets0.1499%7,121
Noncurrent loans to loans0.2122%6,924
Net loans and leases to total assets58.2692%5,902
Net loans and leases to deposits64.9040%6,471
Net loans and leases to core deposits97.0532%4,842
Total domestic deposits to total assets89.7776%897
Equity capital to assets9.6045%4,522
Core capital (leverage) ratio8.2412%6,014
Tier 1 risk-based capital ratio12.9112%4,238
Total risk-based capital ratio13.8698%4,375
Memoranda:
Average total assets$116,182,5004,748
Average earning assets$105,147,0004,769
Average equity$9,969,0005,396
Average total loans$66,972,5005,093
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1819%4,607
Cost of funding earning assets2.1503%5,830
Net interest margin4.0316%2,971
Noninterest income to average assets1.4561%669
Noninterest expense to average assets3.7841%1,785
Loan and lease loss provision to assets0.1851%5,040
Net operating income to assets1.0793%2,226
Return on assets (ROA)1.0793%2,144
Pretax return on assets1.0793%3,103
Return on Equity (ROE)13.8270%1,141
Retained earnings to average equity (ytd only)3.4982%2,964
Net charge-offs to loans0.1747%4,451
Credit loss provision to net charge-offs198.0198%2,466
Earnings coverage of net charge-offs (x)13.5248%2,125
Efficiency ratio74.6975%3,459
Assets per employee ($millions)2.4750%7,248
Cash dividends to net income (ytd only)*74.6998%1,956
Condition Ratios (%)
Loss allowance to loans0.9600%6,346
Loan loss allowance to noncurrent loans630.0000%717
Noncurrent assets plus other real estate owned to assets0.1453%6,994
Noncurrent loans to loans0.1524%6,954
Net loans and leases to total assets55.8740%6,456
Net loans and leases to deposits60.8765%7,022
Net loans and leases to core deposits90.4229%5,766
Total domestic deposits to total assets91.7826%162
Equity capital to assets7.5589%7,335
Core capital (leverage) ratio6.4960%7,938
Tier 1 risk-based capital ratio10.1970%6,522
Total risk-based capital ratio11.0758%6,815
Memoranda:
Average total assets$108,032,0004,830
Average earning assets$96,265,4004,911
Average equity$8,432,8005,932
Average total loans$57,808,4005,371