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Kearney Trust Company, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4626%3,161
Cost of funding earning assets1.0545%3,184
Net interest margin3.4081%2,391
Noninterest income to average assets0.3900%2,564
Noninterest expense to average assets2.0952%3,417
Loan and lease loss provision to assets0.0600%1,903
Net operating income to assets1.5383%954
Return on assets (ROA)1.4862%1,011
Pretax return on assets1.4880%1,449
Return on Equity (ROE)20.1400%604
Retained earnings to average equity (ytd only)11.5899%685
Net charge-offs to loans0.0329%1,640
Credit loss provision to net charge-offs323.5294%909
Earnings coverage of net charge-offs (x)89.0196%962
Efficiency ratio56.7289%3,428
Assets per employee ($millions)8.3163%1,272
Cash dividends to net income (ytd only)*42.4443%1,976
Condition Ratios (%)
Loss allowance to loans1.4578%1,180
Loan loss allowance to noncurrent loans799.6599%1,047
Noncurrent assets plus other real estate owned to assets0.1010%2,850
Noncurrent loans to loans0.1823%2,601
Net loans and leases to total assets54.6000%3,303
Net loans and leases to deposits59.9999%3,524
Net loans and leases to core deposits63.5951%3,604
Total domestic deposits to total assets90.9900%505
Equity capital to assets8.1922%3,285
Core capital (leverage) ratio9.9392%2,836
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.1157%895
Memoranda:
Average total assets$284,079,2002,503
Average earning assets$275,196,8002,436
Average equity$20,966,6002,778
Average total loans$155,207,6002,635
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3192%3,258
Cost of funding earning assets0.9458%3,165
Net interest margin3.3734%2,512
Noninterest income to average assets0.4000%2,484
Noninterest expense to average assets2.0274%3,525
Loan and lease loss provision to assets0.0500%1,947
Net operating income to assets1.5919%950
Return on assets (ROA)1.5919%947
Pretax return on assets1.5938%1,371
Return on Equity (ROE)22.2000%546
Retained earnings to average equity (ytd only)10.6746%1,226
Net charge-offs to loans0.0338%1,410
Credit loss provision to net charge-offs269.2308%947
Earnings coverage of net charge-offs (x)89.2308%980
Efficiency ratio55.2296%3,469
Assets per employee ($millions)8.5037%1,118
Cash dividends to net income (ytd only)*51.9134%1,179
Condition Ratios (%)
Loss allowance to loans1.4469%1,268
Loan loss allowance to noncurrent loans772.8188%1,063
Noncurrent assets plus other real estate owned to assets0.1062%2,869
Noncurrent loans to loans0.1872%2,612
Net loans and leases to total assets55.9000%3,210
Net loans and leases to deposits60.8783%3,456
Net loans and leases to core deposits64.8631%3,486
Total domestic deposits to total assets91.8200%491
Equity capital to assets7.3212%3,457
Core capital (leverage) ratio9.8589%2,941
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.8093%973
Memoranda:
Average total assets$282,331,7502,512
Average earning assets$274,058,0002,451
Average equity$20,247,0002,822
Average total loans$153,693,2502,653
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1585%3,380
Cost of funding earning assets0.8056%3,192
Net interest margin3.3529%2,634
Noninterest income to average assets0.4000%2,440
Noninterest expense to average assets2.0551%3,452
Loan and lease loss provision to assets0.0300%2,254
Net operating income to assets1.5638%998
Return on assets (ROA)1.5638%995
Pretax return on assets1.5652%1,472
Return on Equity (ROE)21.9600%542
Retained earnings to average equity (ytd only)4.5861%3,059
Net charge-offs to loans0.0817%777
Credit loss provision to net charge-offs72.5806%1,581
Earnings coverage of net charge-offs (x)36.4355%1,458
Efficiency ratio56.2718%3,387
Assets per employee ($millions)7.8746%1,375
Cash dividends to net income (ytd only)*79.1139%571
Condition Ratios (%)
Loss allowance to loans1.4161%1,470
Loan loss allowance to noncurrent loans2,775.0000%427
Noncurrent assets plus other real estate owned to assets0.0282%3,504
Noncurrent loans to loans0.0510%3,342
Net loans and leases to total assets54.5200%3,230
Net loans and leases to deposits59.1612%3,471
Net loans and leases to core deposits62.5576%3,516
Total domestic deposits to total assets92.1500%385
Equity capital to assets7.1189%3,727
Core capital (leverage) ratio9.4684%3,283
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.2229%1,082
Memoranda:
Average total assets$282,901,6672,514
Average earning assets$274,572,0002,454
Average equity$20,147,6672,854
Average total loans$151,866,6672,657
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9455%3,568
Cost of funding earning assets0.6122%3,344
Net interest margin3.3333%2,786
Noninterest income to average assets0.3900%2,457
Noninterest expense to average assets2.0282%3,562
Loan and lease loss provision to assets0.0400%1,925
Net operating income to assets1.5612%1,056
Return on assets (ROA)1.5612%1,050
Pretax return on assets1.5612%1,553
Return on Equity (ROE)21.9200%587
Retained earnings to average equity (ytd only)21.9164%291
Net charge-offs to loans0.0107%1,538
Credit loss provision to net charge-offs750.0000%428
Earnings coverage of net charge-offs (x)283.2500%383
Efficiency ratio55.8457%3,421
Assets per employee ($millions)7.6024%1,558
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.5031%1,244
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets52.7200%3,297
Net loans and leases to deposits57.4167%3,481
Net loans and leases to core deposits59.7014%3,553
Total domestic deposits to total assets91.8200%561
Equity capital to assets7.5492%3,536
Core capital (leverage) ratio9.6959%3,002
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.9484%999
Memoranda:
Average total assets$282,610,5002,544
Average earning assets$274,440,5002,481
Average equity$20,131,0002,880
Average total loans$149,414,5002,705
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2173%3,791
Cost of funding earning assets0.1999%3,758
Net interest margin3.0175%3,408
Noninterest income to average assets0.3700%2,879
Noninterest expense to average assets1.8963%3,831
Loan and lease loss provision to assets0.0400%2,129
Net operating income to assets1.3674%1,219
Return on assets (ROA)1.2423%1,575
Pretax return on assets1.2444%2,293
Return on Equity (ROE)17.2700%819
Retained earnings to average equity (ytd only)8.6786%1,574
Net charge-offs to loans-0.0045%3,611
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio57.4353%3,413
Assets per employee ($millions)7.6738%1,504
Cash dividends to net income (ytd only)*49.7409%1,400
Condition Ratios (%)
Loss allowance to loans1.7030%798
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets51.3300%3,411
Net loans and leases to deposits55.3228%3,609
Net loans and leases to core deposits57.3536%3,653
Total domestic deposits to total assets92.7800%452
Equity capital to assets6.7013%3,812
Core capital (leverage) ratio9.2366%3,413
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.0924%1,113
Memoranda:
Average total assets$279,649,6002,553
Average earning assets$271,652,4002,483
Average equity$20,118,4002,946
Average total loans$134,188,8002,784
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0438%3,806
Cost of funding earning assets0.1340%3,998
Net interest margin2.9098%3,469
Noninterest income to average assets0.3700%2,924
Noninterest expense to average assets1.7752%4,026
Loan and lease loss provision to assets0.0400%1,932
Net operating income to assets1.3784%1,145
Return on assets (ROA)1.3784%1,119
Pretax return on assets1.3813%1,775
Return on Equity (ROE)18.8300%539
Retained earnings to average equity (ytd only)8.2844%1,892
Net charge-offs to loans-0.0163%3,909
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio55.5240%3,672
Assets per employee ($millions)7.7132%1,473
Cash dividends to net income (ytd only)*56.0069%983
Condition Ratios (%)
Loss allowance to loans1.7820%755
Loan loss allowance to noncurrent loans126,000.0000%16
Noncurrent assets plus other real estate owned to assets0.0007%4,039
Noncurrent loans to loans0.0014%3,971
Net loans and leases to total assets50.0200%3,457
Net loans and leases to deposits53.4519%3,637
Net loans and leases to core deposits54.9819%3,686
Total domestic deposits to total assets93.5800%442
Equity capital to assets6.1389%3,910
Core capital (leverage) ratio9.0484%3,555
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.2325%1,134
Memoranda:
Average total assets$278,579,0002,576
Average earning assets$270,660,2502,512
Average equity$20,391,2502,961
Average total loans$130,668,7502,821
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8883%3,815
Cost of funding earning assets0.0947%4,249
Net interest margin2.7936%3,464
Noninterest income to average assets0.3701%2,926
Noninterest expense to average assets1.7599%4,039
Loan and lease loss provision to assets0.0502%1,681
Net operating income to assets1.2643%1,244
Return on assets (ROA)1.2643%1,224
Pretax return on assets1.2686%1,844
Return on Equity (ROE)16.3952%649
Retained earnings to average equity (ytd only)1.3949%3,903
Net charge-offs to loans-0.0330%4,080
Credit loss provision to net charge-offs-333.3333%3,300
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1628%3,662
Assets per employee ($millions)7.6240%1,534
Cash dividends to net income (ytd only)*91.4918%454
Condition Ratios (%)
Loss allowance to loans1.9670%592
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets44.3468%3,807
Net loans and leases to deposits47.5697%3,941
Net loans and leases to core deposits48.9616%3,983
Total domestic deposits to total assets93.2248%460
Equity capital to assets6.5547%3,997
Core capital (leverage) ratio8.7759%3,687
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.8119%1,019
Memoranda:
Average total assets$278,880,6672,593
Average earning assets$270,403,6672,538
Average equity$21,506,3332,943
Average total loans$127,085,6672,874
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8576%3,634
Cost of funding earning assets0.0834%4,314
Net interest margin2.7742%3,212
Noninterest income to average assets0.3722%2,859
Noninterest expense to average assets1.7239%4,101
Loan and lease loss provision to assets0.0649%1,256
Net operating income to assets1.2666%1,080
Return on assets (ROA)1.2666%1,069
Pretax return on assets1.2709%1,595
Return on Equity (ROE)15.2599%618
Retained earnings to average equity (ytd only)15.2599%273
Net charge-offs to loans0.0189%1,152
Credit loss provision to net charge-offs750.0000%407
Earnings coverage of net charge-offs (x)154.3333%526
Efficiency ratio56.3413%3,845
Assets per employee ($millions)7.7716%1,510
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.9431%686
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets44.3348%3,714
Net loans and leases to deposits48.0557%3,862
Net loans and leases to core deposits49.3935%3,903
Total domestic deposits to total assets92.2570%487
Equity capital to assets7.5446%3,903
Core capital (leverage) ratio9.2732%3,034
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.3435%991
Memoranda:
Average total assets$277,277,0002,613
Average earning assets$268,621,0002,564
Average equity$23,014,5002,904
Average total loans$126,825,0002,886
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1305%3,622
Cost of funding earning assets0.1169%4,258
Net interest margin3.0136%3,158
Noninterest income to average assets0.3944%3,079
Noninterest expense to average assets1.9000%3,922
Loan and lease loss provision to assets0.1102%1,144
Net operating income to assets1.2856%1,644
Return on assets (ROA)1.2856%1,698
Pretax return on assets1.2912%2,385
Return on Equity (ROE)14.2340%1,117
Retained earnings to average equity (ytd only)10.0986%893
Net charge-offs to loans-0.0153%3,886
Credit loss provision to net charge-offs-1,552.6316%4,008
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.5518%3,511
Assets per employee ($millions)8.0817%1,291
Cash dividends to net income (ytd only)*29.0529%2,606
Condition Ratios (%)
Loss allowance to loans1.9024%726
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets45.3948%3,734
Net loans and leases to deposits50.0719%3,872
Net loans and leases to core deposits51.5739%3,921
Total domestic deposits to total assets90.6594%636
Equity capital to assets9.0695%3,549
Core capital (leverage) ratio8.9367%3,469
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.6082%1,137
Memoranda:
Average total assets$267,738,4002,616
Average earning assets$258,265,0002,560
Average equity$24,181,6002,902
Average total loans$123,850,4002,915
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1838%3,632
Cost of funding earning assets0.1264%4,298
Net interest margin3.0575%3,154
Noninterest income to average assets0.4040%3,062
Noninterest expense to average assets1.8247%4,117
Loan and lease loss provision to assets0.1218%964
Net operating income to assets1.3991%1,546
Return on assets (ROA)1.3991%1,606
Pretax return on assets1.4046%2,317
Return on Equity (ROE)15.5073%1,040
Retained earnings to average equity (ytd only)9.9511%1,329
Net charge-offs to loans-0.0195%3,956
Credit loss provision to net charge-offs-1,350.0000%3,917
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.4503%3,735
Assets per employee ($millions)7.5729%1,526
Cash dividends to net income (ytd only)*35.8295%1,805
Condition Ratios (%)
Loss allowance to loans1.9369%717
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets43.9382%3,957
Net loans and leases to deposits48.4893%4,089
Net loans and leases to core deposits49.9691%4,141
Total domestic deposits to total assets90.6142%499
Equity capital to assets9.1330%3,718
Core capital (leverage) ratio8.9626%3,591
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.9864%1,135
Memoranda:
Average total assets$265,978,5002,656
Average earning assets$256,372,7502,591
Average equity$23,996,7502,942
Average total loans$123,024,5002,963
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1195%3,821
Cost of funding earning assets0.1395%4,282
Net interest margin2.9799%3,376
Noninterest income to average assets0.4140%3,039
Noninterest expense to average assets1.8100%4,165
Loan and lease loss provision to assets0.1441%840
Net operating income to assets1.3201%1,804
Return on assets (ROA)1.3201%1,867
Pretax return on assets1.3262%2,562
Return on Equity (ROE)14.6945%1,235
Retained earnings to average equity (ytd only)6.2542%2,707
Net charge-offs to loans-0.0146%3,842
Credit loss provision to net charge-offs-2,111.1111%3,841
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.1780%3,645
Assets per employee ($millions)7.4622%1,500
Cash dividends to net income (ytd only)*57.4383%1,006
Condition Ratios (%)
Loss allowance to loans1.8541%805
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets45.3996%3,945
Net loans and leases to deposits49.9775%4,115
Net loans and leases to core deposits51.4688%4,159
Total domestic deposits to total assets90.8401%423
Equity capital to assets8.9027%3,888
Core capital (leverage) ratio8.6157%3,865
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.2259%1,283
Memoranda:
Average total assets$263,762,6672,658
Average earning assets$253,696,6672,598
Average equity$23,696,0002,960
Average total loans$123,315,0002,982
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1427%3,796
Cost of funding earning assets0.1627%4,220
Net interest margin2.9800%3,315
Noninterest income to average assets0.4072%3,051
Noninterest expense to average assets1.8077%4,203
Loan and lease loss provision to assets0.1607%784
Net operating income to assets1.2919%1,855
Return on assets (ROA)1.2919%1,926
Pretax return on assets1.2980%2,577
Return on Equity (ROE)14.3136%1,370
Retained earnings to average equity (ytd only)-2.6456%4,581
Net charge-offs to loans0.1400%535
Credit loss provision to net charge-offs244.1860%826
Earnings coverage of net charge-offs (x)22.1628%1,214
Efficiency ratio55.3421%3,628
Assets per employee ($millions)7.6947%1,345
Cash dividends to net income (ytd only)*118.4834%329
Condition Ratios (%)
Loss allowance to loans1.7596%928
Loan loss allowance to noncurrent loans4,610.6383%209
Noncurrent assets plus other real estate owned to assets0.0175%4,251
Noncurrent loans to loans0.0382%4,089
Net loans and leases to total assets44.9240%4,041
Net loans and leases to deposits49.2003%4,211
Net loans and leases to core deposits50.5659%4,265
Total domestic deposits to total assets91.3083%292
Equity capital to assets8.4800%4,133
Core capital (leverage) ratio8.7000%3,915
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2804%1,482
Memoranda:
Average total assets$261,324,5002,662
Average earning assets$250,736,0002,608
Average equity$23,586,0002,958
Average total loans$122,840,0002,989
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8201%3,246
Cost of funding earning assets0.3085%4,095
Net interest margin3.5116%2,434
Noninterest income to average assets0.4115%3,039
Noninterest expense to average assets2.0967%3,941
Loan and lease loss provision to assets0.4132%732
Net operating income to assets1.2253%1,461
Return on assets (ROA)1.2253%1,572
Pretax return on assets1.2309%2,217
Return on Equity (ROE)12.4539%1,195
Retained earnings to average equity (ytd only)5.8576%1,868
Net charge-offs to loans0.4685%353
Credit loss provision to net charge-offs162.6917%2,360
Earnings coverage of net charge-offs (x)6.4736%2,780
Efficiency ratio56.0490%3,983
Assets per employee ($millions)7.2381%1,425
Cash dividends to net income (ytd only)*52.9661%1,683
Condition Ratios (%)
Loss allowance to loans1.7180%999
Loan loss allowance to noncurrent loans4,385.4167%229
Noncurrent assets plus other real estate owned to assets0.0189%4,302
Noncurrent loans to loans0.0392%4,146
Net loans and leases to total assets47.5345%4,007
Net loans and leases to deposits52.7521%4,181
Net loans and leases to core deposits54.3301%4,242
Total domestic deposits to total assets90.1091%524
Equity capital to assets9.6055%3,508
Core capital (leverage) ratio9.2285%3,408
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.3345%1,434
Memoranda:
Average total assets$231,123,0002,707
Average earning assets$219,133,0002,678
Average equity$22,739,8002,959
Average total loans$125,294,0002,920
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8962%3,266
Cost of funding earning assets0.3477%4,067
Net interest margin3.5485%2,430
Noninterest income to average assets0.4114%3,022
Noninterest expense to average assets2.0836%3,982
Loan and lease loss provision to assets0.4668%666
Net operating income to assets1.2159%1,592
Return on assets (ROA)1.2159%1,716
Pretax return on assets1.2212%2,318
Return on Equity (ROE)12.2759%1,304
Retained earnings to average equity (ytd only)3.3241%3,386
Net charge-offs to loans0.5715%259
Credit loss provision to net charge-offs146.2963%2,346
Earnings coverage of net charge-offs (x)5.2889%2,743
Efficiency ratio55.2421%4,010
Assets per employee ($millions)6.6000%1,757
Cash dividends to net income (ytd only)*72.9217%749
Condition Ratios (%)
Loss allowance to loans1.5326%1,296
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets53.7309%3,827
Net loans and leases to deposits59.9030%4,061
Net loans and leases to core deposits61.6678%4,129
Total domestic deposits to total assets89.6965%525
Equity capital to assets10.0080%3,217
Core capital (leverage) ratio9.2720%3,484
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.5637%1,630
Memoranda:
Average total assets$225,570,2502,731
Average earning assets$213,604,2502,705
Average equity$22,341,2502,982
Average total loans$125,986,0002,915
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9813%3,374
Cost of funding earning assets0.3966%4,047
Net interest margin3.5847%2,538
Noninterest income to average assets0.4035%3,053
Noninterest expense to average assets2.1231%3,978
Loan and lease loss provision to assets0.5100%686
Net operating income to assets1.1509%1,798
Return on assets (ROA)1.1509%1,927
Pretax return on assets1.1563%2,520
Return on Equity (ROE)11.6641%1,429
Retained earnings to average equity (ytd only)-2.0584%4,593
Net charge-offs to loans0.8785%174
Credit loss provision to net charge-offs103.1022%2,376
Earnings coverage of net charge-offs (x)3.3686%2,683
Efficiency ratio56.0267%3,939
Assets per employee ($millions)6.4017%1,860
Cash dividends to net income (ytd only)*117.6471%334
Condition Ratios (%)
Loss allowance to loans1.3721%1,682
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets53.2293%3,938
Net loans and leases to deposits59.0552%4,165
Net loans and leases to core deposits60.7828%4,222
Total domestic deposits to total assets90.1348%366
Equity capital to assets9.6060%3,558
Core capital (leverage) ratio9.0998%3,799
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.5752%1,609
Memoranda:
Average total assets$221,560,6672,744
Average earning assets$209,278,0002,717
Average equity$21,862,0002,999
Average total loans$124,764,3332,920
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0762%3,589
Cost of funding earning assets0.4971%3,961
Net interest margin3.5792%2,738
Noninterest income to average assets0.4563%2,757
Noninterest expense to average assets2.2421%3,909
Loan and lease loss provision to assets0.3085%1,007
Net operating income to assets1.3221%1,184
Return on assets (ROA)1.3221%1,278
Pretax return on assets1.3258%1,795
Return on Equity (ROE)13.2048%844
Retained earnings to average equity (ytd only)-14.8110%4,889
Net charge-offs to loans0.8926%164
Credit loss provision to net charge-offs60.0000%2,017
Earnings coverage of net charge-offs (x)3.1782%2,229
Efficiency ratio57.8389%4,021
Assets per employee ($millions)5.9338%1,734
Cash dividends to net income (ytd only)*212.1641%272
Condition Ratios (%)
Loss allowance to loans1.2919%2,179
Loan loss allowance to noncurrent loans516.5079%946
Noncurrent assets plus other real estate owned to assets0.1435%3,924
Noncurrent loans to loans0.2501%3,592
Net loans and leases to total assets56.6224%3,788
Net loans and leases to deposits62.8906%4,050
Net loans and leases to core deposits65.0518%4,128
Total domestic deposits to total assets90.0332%311
Equity capital to assets9.7413%4,004
Core capital (leverage) ratio9.6428%3,840
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7856%1,662
Memoranda:
Average total assets$213,910,0002,761
Average earning assets$204,405,0002,708
Average equity$21,416,5003,038
Average total loans$123,229,5002,919
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2451%3,697
Cost of funding earning assets0.5635%3,808
Net interest margin3.6816%2,864
Noninterest income to average assets0.4943%2,772
Noninterest expense to average assets2.4873%3,487
Loan and lease loss provision to assets0.1526%1,388
Net operating income to assets1.3995%1,344
Return on assets (ROA)1.3995%1,414
Pretax return on assets1.3995%2,162
Return on Equity (ROE)13.2810%1,083
Retained earnings to average equity (ytd only)1.3368%4,266
Net charge-offs to loans0.0831%1,926
Credit loss provision to net charge-offs303.0303%915
Earnings coverage of net charge-offs (x)30.8283%1,555
Efficiency ratio61.5762%3,442
Assets per employee ($millions)5.7853%1,802
Cash dividends to net income (ytd only)*89.9346%525
Condition Ratios (%)
Loss allowance to loans1.4413%1,387
Loan loss allowance to noncurrent loans2,631.8182%252
Noncurrent assets plus other real estate owned to assets0.0317%4,488
Noncurrent loans to loans0.0548%4,327
Net loans and leases to total assets57.0319%3,845
Net loans and leases to deposits63.8124%4,084
Net loans and leases to core deposits66.1714%4,186
Total domestic deposits to total assets89.3744%537
Equity capital to assets10.2972%3,630
Core capital (leverage) ratio10.4427%3,015
Tier 1 risk-based capital ratio16.0261%2,397
Total risk-based capital ratio17.2767%2,342
Memoranda:
Average total assets$196,638,8002,871
Average earning assets$189,346,6002,807
Average equity$20,721,4003,063
Average total loans$119,201,0002,951
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2641%3,765
Cost of funding earning assets0.5709%3,813
Net interest margin3.6932%2,944
Noninterest income to average assets0.5052%2,693
Noninterest expense to average assets2.4549%3,551
Loan and lease loss provision to assets0.1548%1,213
Net operating income to assets1.4570%1,316
Return on assets (ROA)1.4570%1,368
Pretax return on assets1.4570%2,090
Return on Equity (ROE)13.7418%1,039
Retained earnings to average equity (ytd only)-2.3238%4,950
Net charge-offs to loans0.0583%1,990
Credit loss provision to net charge-offs432.6923%712
Earnings coverage of net charge-offs (x)45.0395%1,270
Efficiency ratio60.3655%3,569
Assets per employee ($millions)5.3508%2,173
Cash dividends to net income (ytd only)*116.9106%202
Condition Ratios (%)
Loss allowance to loans1.4156%1,511
Loan loss allowance to noncurrent loans2,550.7463%272
Noncurrent assets plus other real estate owned to assets0.0338%4,551
Noncurrent loans to loans0.0555%4,390
Net loans and leases to total assets60.1154%3,664
Net loans and leases to deposits67.5258%3,952
Net loans and leases to core deposits69.9828%4,058
Total domestic deposits to total assets89.0257%602
Equity capital to assets10.6040%3,466
Core capital (leverage) ratio10.4486%3,146
Tier 1 risk-based capital ratio15.6655%2,577
Total risk-based capital ratio16.9157%2,512
Memoranda:
Average total assets$193,730,7502,911
Average earning assets$186,825,2502,849
Average equity$20,540,2503,109
Average total loans$118,871,7502,981
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2295%3,847
Cost of funding earning assets0.5617%3,827
Net interest margin3.6678%3,039
Noninterest income to average assets0.5085%2,630
Noninterest expense to average assets2.4803%3,547
Loan and lease loss provision to assets0.1560%1,166
Net operating income to assets1.4102%1,406
Return on assets (ROA)1.4102%1,456
Pretax return on assets1.4102%2,168
Return on Equity (ROE)13.3013%1,158
Retained earnings to average equity (ytd only)-3.1291%4,975
Net charge-offs to loans0.0660%1,711
Credit loss provision to net charge-offs384.6154%744
Earnings coverage of net charge-offs (x)38.6154%1,271
Efficiency ratio61.2953%3,542
Assets per employee ($millions)5.5157%1,956
Cash dividends to net income (ytd only)*123.5251%233
Condition Ratios (%)
Loss allowance to loans1.4051%1,592
Loan loss allowance to noncurrent loans2,422.0588%287
Noncurrent assets plus other real estate owned to assets0.0342%4,599
Noncurrent loans to loans0.0580%4,422
Net loans and leases to total assets58.2014%3,896
Net loans and leases to deposits65.2294%4,146
Net loans and leases to core deposits67.1749%4,254
Total domestic deposits to total assets89.2256%581
Equity capital to assets10.4858%3,528
Core capital (leverage) ratio10.6214%2,962
Tier 1 risk-based capital ratio16.4470%2,259
Total risk-based capital ratio17.6972%2,204
Memoranda:
Average total assets$192,314,0002,939
Average earning assets$185,506,3302,868
Average equity$20,389,0003,116
Average total loans$118,253,6703,005
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2090%3,833
Cost of funding earning assets0.5278%3,930
Net interest margin3.6812%2,966
Noninterest income to average assets0.5138%2,476
Noninterest expense to average assets2.4843%3,555
Loan and lease loss provision to assets0.1586%1,067
Net operating income to assets1.4250%1,308
Return on assets (ROA)1.4250%1,336
Pretax return on assets1.4250%2,002
Return on Equity (ROE)13.3644%1,120
Retained earnings to average equity (ytd only)-19.8483%5,253
Net charge-offs to loans0.0741%1,323
Credit loss provision to net charge-offs340.9091%763
Earnings coverage of net charge-offs (x)34.0455%1,253
Efficiency ratio61.0707%3,668
Assets per employee ($millions)5.5754%1,909
Cash dividends to net income (ytd only)*248.5163%120
Condition Ratios (%)
Loss allowance to loans1.3158%2,015
Loan loss allowance to noncurrent loans22,700.0000%40
Noncurrent assets plus other real estate owned to assets0.0036%4,873
Noncurrent loans to loans0.0058%4,775
Net loans and leases to total assets61.0721%3,595
Net loans and leases to deposits68.1559%3,914
Net loans and leases to core deposits70.4042%4,066
Total domestic deposits to total assets89.6064%597
Equity capital to assets10.1630%3,666
Core capital (leverage) ratio10.5984%2,942
Tier 1 risk-based capital ratio15.4328%2,680
Total risk-based capital ratio16.6663%2,605
Memoranda:
Average total assets$189,189,0003,003
Average earning assets$182,656,0002,923
Average equity$20,173,0003,146
Average total loans$118,773,5003,033
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0672%3,850
Cost of funding earning assets0.3539%4,261
Net interest margin3.7132%2,982
Noninterest income to average assets0.5342%2,639
Noninterest expense to average assets2.6000%3,332
Loan and lease loss provision to assets0.1460%1,463
Net operating income to assets1.3760%1,512
Return on assets (ROA)1.3760%1,505
Pretax return on assets1.3673%2,249
Return on Equity (ROE)13.0144%1,348
Retained earnings to average equity (ytd only)5.3438%2,567
Net charge-offs to loans0.2046%936
Credit loss provision to net charge-offs115.8798%2,238
Earnings coverage of net charge-offs (x)12.0129%2,579
Efficiency ratio63.2098%3,302
Assets per employee ($millions)5.0899%2,392
Cash dividends to net income (ytd only)*58.9391%1,542
Condition Ratios (%)
Loss allowance to loans1.3153%1,971
Loan loss allowance to noncurrent loans10,240.0000%92
Noncurrent assets plus other real estate owned to assets0.0082%4,871
Noncurrent loans to loans0.0128%4,742
Net loans and leases to total assets62.8942%3,475
Net loans and leases to deposits71.0847%3,744
Net loans and leases to core deposits73.8155%3,866
Total domestic deposits to total assets88.4778%1,078
Equity capital to assets11.1953%2,519
Core capital (leverage) ratio11.2139%2,338
Tier 1 risk-based capital ratio16.5679%2,218
Total risk-based capital ratio17.7866%2,172
Memoranda:
Average total assets$184,960,8003,004
Average earning assets$178,281,6002,941
Average equity$19,555,2003,130
Average total loans$113,878,2003,081
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9792%3,987
Cost of funding earning assets0.3133%4,424
Net interest margin3.6659%3,142
Noninterest income to average assets0.5344%2,649
Noninterest expense to average assets2.4984%3,607
Loan and lease loss provision to assets0.1259%1,599
Net operating income to assets1.4563%1,308
Return on assets (ROA)1.4563%1,305
Pretax return on assets1.4448%2,074
Return on Equity (ROE)13.9780%1,132
Retained earnings to average equity (ytd only)3.6239%3,956
Net charge-offs to loans0.1049%1,437
Credit loss provision to net charge-offs196.6292%1,398
Earnings coverage of net charge-offs (x)24.5401%1,810
Efficiency ratio61.3998%3,599
Assets per employee ($millions)5.3418%2,083
Cash dividends to net income (ytd only)*74.0741%724
Condition Ratios (%)
Loss allowance to loans1.3510%1,876
Loan loss allowance to noncurrent loans589.2193%934
Noncurrent assets plus other real estate owned to assets0.1439%4,230
Noncurrent loans to loans0.2293%3,885
Net loans and leases to total assets61.9019%3,667
Net loans and leases to deposits69.4547%3,963
Net loans and leases to core deposits71.9303%4,089
Total domestic deposits to total assets89.1256%806
Equity capital to assets10.5690%3,074
Core capital (leverage) ratio10.8144%2,780
Tier 1 risk-based capital ratio16.2129%2,371
Total risk-based capital ratio17.4630%2,316
Memoranda:
Average total assets$185,391,5003,025
Average earning assets$178,759,2502,957
Average equity$19,315,5003,177
Average total loans$113,152,2503,121
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8825%4,119
Cost of funding earning assets0.2659%4,663
Net interest margin3.6166%3,249
Noninterest income to average assets0.5258%2,718
Noninterest expense to average assets2.4958%3,644
Loan and lease loss provision to assets0.1190%1,669
Net operating income to assets1.4161%1,375
Return on assets (ROA)1.4161%1,379
Pretax return on assets1.3988%2,150
Return on Equity (ROE)13.6587%1,167
Retained earnings to average equity (ytd only)-1.9930%5,148
Net charge-offs to loans0.1503%1,027
Credit loss provision to net charge-offs130.9524%1,715
Earnings coverage of net charge-offs (x)16.7024%1,986
Efficiency ratio62.1833%3,598
Assets per employee ($millions)5.4891%1,887
Cash dividends to net income (ytd only)*114.5913%280
Condition Ratios (%)
Loss allowance to loans1.3280%2,040
Loan loss allowance to noncurrent loans600.3937%955
Noncurrent assets plus other real estate owned to assets0.1575%4,202
Noncurrent loans to loans0.2212%3,929
Net loans and leases to total assets60.7124%3,740
Net loans and leases to deposits67.8676%4,027
Net loans and leases to core deposits69.8447%4,153
Total domestic deposits to total assets89.4572%757
Equity capital to assets10.2899%3,347
Core capital (leverage) ratio10.5021%3,028
Tier 1 risk-based capital ratio15.9450%2,457
Total risk-based capital ratio17.1827%2,402
Memoranda:
Average total assets$184,868,0003,050
Average earning assets$178,288,0002,978
Average equity$19,167,3303,205
Average total loans$111,763,6703,147
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7921%4,238
Cost of funding earning assets0.2567%4,670
Net interest margin3.5354%3,405
Noninterest income to average assets0.5326%2,619
Noninterest expense to average assets2.4480%3,821
Loan and lease loss provision to assets0.1087%1,719
Net operating income to assets1.4240%1,274
Return on assets (ROA)1.4240%1,280
Pretax return on assets1.3892%2,048
Return on Equity (ROE)13.6822%1,090
Retained earnings to average equity (ytd only)-17.6511%5,482
Net charge-offs to loans0.2649%585
Credit loss provision to net charge-offs68.4932%1,841
Earnings coverage of net charge-offs (x)9.4384%1,967
Efficiency ratio62.0386%3,772
Assets per employee ($millions)5.0791%2,389
Cash dividends to net income (ytd only)*229.0076%148
Condition Ratios (%)
Loss allowance to loans1.3258%2,118
Loan loss allowance to noncurrent loans756.9231%763
Noncurrent assets plus other real estate owned to assets0.1250%4,458
Noncurrent loans to loans0.1752%4,193
Net loans and leases to total assets58.4555%3,897
Net loans and leases to deposits65.0356%4,152
Net loans and leases to core deposits66.9350%4,259
Total domestic deposits to total assets89.8822%706
Equity capital to assets9.9012%3,699
Core capital (leverage) ratio10.3603%3,105
Tier 1 risk-based capital ratio15.6864%2,598
Total risk-based capital ratio16.9055%2,552
Memoranda:
Average total assets$183,987,5003,093
Average earning assets$177,630,5003,016
Average equity$19,149,0003,236
Average total loans$110,229,5003,184
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7386%4,246
Cost of funding earning assets0.2376%4,668
Net interest margin3.5010%3,524
Noninterest income to average assets0.5068%2,957
Noninterest expense to average assets2.5062%3,763
Loan and lease loss provision to assets0.0306%3,664
Net operating income to assets1.3487%1,118
Return on assets (ROA)1.3487%1,140
Pretax return on assets1.3437%2,199
Return on Equity (ROE)12.9505%963
Retained earnings to average equity (ytd only)8.6817%567
Net charge-offs to loans0.0067%3,839
Credit loss provision to net charge-offs785.7143%429
Earnings coverage of net charge-offs (x)353.2857%249
Efficiency ratio64.5854%3,514
Assets per employee ($millions)4.7381%2,815
Cash dividends to net income (ytd only)*32.9625%3,175
Condition Ratios (%)
Loss allowance to loans1.3736%1,865
Loan loss allowance to noncurrent loans2,237.3134%339
Noncurrent assets plus other real estate owned to assets0.0594%4,826
Noncurrent loans to loans0.0614%4,715
Net loans and leases to total assets59.7787%3,849
Net loans and leases to deposits67.3279%4,075
Net loans and leases to core deposits69.3409%4,216
Total domestic deposits to total assets88.7875%1,093
Equity capital to assets10.9365%2,694
Core capital (leverage) ratio10.9055%2,422
Tier 1 risk-based capital ratio16.5631%2,242
Total risk-based capital ratio17.8131%2,184
Memoranda:
Average total assets$179,955,2003,115
Average earning assets$173,405,2003,033
Average equity$18,740,6003,269
Average total loans$104,816,8003,267
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7006%4,318
Cost of funding earning assets0.2338%4,719
Net interest margin3.4668%3,617
Noninterest income to average assets0.5098%2,969
Noninterest expense to average assets2.4283%3,941
Loan and lease loss provision to assets0.0185%3,773
Net operating income to assets1.3968%1,097
Return on assets (ROA)1.3968%1,118
Pretax return on assets1.4035%2,105
Return on Equity (ROE)13.5830%915
Retained earnings to average equity (ytd only)7.8184%1,294
Net charge-offs to loans0.0077%3,454
Credit loss provision to net charge-offs416.6667%745
Earnings coverage of net charge-offs (x)319.8250%288
Efficiency ratio63.0677%3,699
Assets per employee ($millions)5.0530%2,390
Cash dividends to net income (ytd only)*42.4403%2,158
Condition Ratios (%)
Loss allowance to loans1.3680%2,031
Loan loss allowance to noncurrent loans2,130.4348%334
Noncurrent assets plus other real estate owned to assets0.0599%4,934
Noncurrent loans to loans0.0642%4,818
Net loans and leases to total assets58.2621%4,033
Net loans and leases to deposits65.4384%4,288
Net loans and leases to core deposits67.4198%4,391
Total domestic deposits to total assets89.0335%868
Equity capital to assets10.6476%3,219
Core capital (leverage) ratio10.7553%2,699
Tier 1 risk-based capital ratio16.0458%2,482
Total risk-based capital ratio17.2684%2,436
Memoranda:
Average total assets$179,931,7503,138
Average earning assets$173,374,2503,060
Average equity$18,503,0003,329
Average total loans$103,738,5003,317
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6758%4,296
Cost of funding earning assets0.2294%4,723
Net interest margin3.4464%3,606
Noninterest income to average assets0.5132%2,944
Noninterest expense to average assets2.4521%3,912
Loan and lease loss provision to assets0.0279%3,441
Net operating income to assets1.3432%1,189
Return on assets (ROA)1.3432%1,212
Pretax return on assets1.3521%2,202
Return on Equity (ROE)13.2204%973
Retained earnings to average equity (ytd only)4.4361%3,074
Net charge-offs to loans-0.0117%4,589
Credit loss provision to net charge-offs-416.6667%4,628
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9884%3,676
Assets per employee ($millions)5.0107%2,374
Cash dividends to net income (ytd only)*66.4452%1,263
Condition Ratios (%)
Loss allowance to loans1.4335%1,798
Loan loss allowance to noncurrent loans2,555.1724%269
Noncurrent assets plus other real estate owned to assets0.0543%5,000
Noncurrent loans to loans0.0561%4,908
Net loans and leases to total assets56.4905%4,170
Net loans and leases to deposits63.2395%4,413
Net loans and leases to core deposits65.1603%4,530
Total domestic deposits to total assets89.3279%800
Equity capital to assets10.3783%3,475
Core capital (leverage) ratio10.4645%2,955
Tier 1 risk-based capital ratio16.2201%2,424
Total risk-based capital ratio17.4706%2,362
Memoranda:
Average total assets$179,272,6703,162
Average earning assets$172,644,0003,077
Average equity$18,214,3303,369
Average total loans$102,500,0003,352
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7125%4,077
Cost of funding earning assets0.2255%4,745
Net interest margin3.4870%3,322
Noninterest income to average assets0.5148%2,877
Noninterest expense to average assets2.3859%4,158
Loan and lease loss provision to assets0.0560%2,683
Net operating income to assets1.4190%961
Return on assets (ROA)1.4190%989
Pretax return on assets1.4302%1,765
Return on Equity (ROE)14.1195%783
Retained earnings to average equity (ytd only)-3.6969%5,309
Net charge-offs to loans0.0118%2,583
Credit loss provision to net charge-offs833.3333%374
Earnings coverage of net charge-offs (x)221.3333%253
Efficiency ratio61.6185%4,210
Assets per employee ($millions)5.1621%2,226
Cash dividends to net income (ytd only)*126.1830%500
Condition Ratios (%)
Loss allowance to loans1.4371%1,916
Loan loss allowance to noncurrent loans2,301.5625%313
Noncurrent assets plus other real estate owned to assets0.0576%5,059
Noncurrent loans to loans0.0624%4,949
Net loans and leases to total assets55.9173%4,179
Net loans and leases to deposits62.2427%4,416
Net loans and leases to core deposits64.2353%4,521
Total domestic deposits to total assets89.8375%731
Equity capital to assets9.9317%3,840
Core capital (leverage) ratio10.1364%3,333
Tier 1 risk-based capital ratio15.8144%2,616
Total risk-based capital ratio17.0643%2,559
Memoranda:
Average total assets$178,716,0003,203
Average earning assets$172,069,5003,108
Average equity$17,961,0003,412
Average total loans$102,058,5003,383
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7183%4,159
Cost of funding earning assets0.2417%4,639
Net interest margin3.4766%3,515
Noninterest income to average assets0.4737%3,391
Noninterest expense to average assets2.5250%3,938
Loan and lease loss provision to assets0.0145%4,091
Net operating income to assets1.2671%1,308
Return on assets (ROA)1.2671%1,383
Pretax return on assets1.2706%2,395
Return on Equity (ROE)12.3548%1,158
Retained earnings to average equity (ytd only)5.5881%1,959
Net charge-offs to loans0.0203%3,647
Credit loss provision to net charge-offs125.0000%2,135
Earnings coverage of net charge-offs (x)111.1000%544
Efficiency ratio66.2720%3,550
Assets per employee ($millions)5.0502%2,331
Cash dividends to net income (ytd only)*54.7695%2,046
Condition Ratios (%)
Loss allowance to loans1.4279%1,972
Loan loss allowance to noncurrent loans2,378.6885%298
Noncurrent assets plus other real estate owned to assets0.0571%5,106
Noncurrent loans to loans0.0600%5,002
Net loans and leases to total assets56.6679%4,201
Net loans and leases to deposits63.9836%4,415
Net loans and leases to core deposits66.1107%4,520
Total domestic deposits to total assets88.5663%1,343
Equity capital to assets10.1710%3,519
Core capital (leverage) ratio10.2476%3,174
Tier 1 risk-based capital ratio16.5127%2,350
Total risk-based capital ratio17.7631%2,286
Memoranda:
Average total assets$172,909,4003,250
Average earning assets$165,936,0003,161
Average equity$17,734,0003,449
Average total loans$98,574,0003,413
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7141%4,206
Cost of funding earning assets0.2467%4,633
Net interest margin3.4673%3,602
Noninterest income to average assets0.4738%3,411
Noninterest expense to average assets2.4573%4,117
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.3399%1,190
Return on assets (ROA)1.3399%1,265
Pretax return on assets1.3399%2,273
Return on Equity (ROE)13.0365%1,047
Retained earnings to average equity (ytd only)3.9834%3,475
Net charge-offs to loans-0.0409%5,295
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.7131%3,809
Assets per employee ($millions)5.2704%2,078
Cash dividends to net income (ytd only)*69.4445%1,053
Condition Ratios (%)
Loss allowance to loans1.4735%1,869
Loan loss allowance to noncurrent loans2,306.2500%303
Noncurrent assets plus other real estate owned to assets0.0580%5,215
Noncurrent loans to loans0.0639%5,098
Net loans and leases to total assets55.0789%4,394
Net loans and leases to deposits61.5283%4,662
Net loans and leases to core deposits63.5271%4,747
Total domestic deposits to total assets89.5179%662
Equity capital to assets10.1863%3,933
Core capital (leverage) ratio10.0668%3,482
Tier 1 risk-based capital ratio15.8436%2,686
Total risk-based capital ratio17.0936%2,630
Memoranda:
Average total assets$171,947,2503,269
Average earning assets$164,810,0003,188
Average equity$17,673,0003,484
Average total loans$97,813,5003,433
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7395%4,159
Cost of funding earning assets0.2500%4,656
Net interest margin3.4895%3,527
Noninterest income to average assets0.4766%3,359
Noninterest expense to average assets2.4892%4,059
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.3295%1,206
Return on assets (ROA)1.3295%1,291
Pretax return on assets1.3295%2,291
Return on Equity (ROE)12.8950%1,054
Retained earnings to average equity (ytd only)-0.8353%5,419
Net charge-offs to loans-0.0433%5,310
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.1838%3,812
Assets per employee ($millions)4.8587%2,468
Cash dividends to net income (ytd only)*106.4774%442
Condition Ratios (%)
Loss allowance to loans1.5112%1,818
Loan loss allowance to noncurrent loans2,189.5522%300
Noncurrent assets plus other real estate owned to assets0.0612%5,310
Noncurrent loans to loans0.0690%5,172
Net loans and leases to total assets54.6594%4,443
Net loans and leases to deposits61.0155%4,731
Net loans and leases to core deposits62.8394%4,825
Total domestic deposits to total assets89.5829%643
Equity capital to assets10.1696%4,003
Core capital (leverage) ratio9.9714%3,597
Tier 1 risk-based capital ratio15.9261%2,676
Total risk-based capital ratio17.1774%2,615
Memoranda:
Average total assets$169,532,3303,310
Average earning assets$162,375,0003,239
Average equity$17,479,6703,519
Average total loans$97,027,0003,462
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7780%4,026
Cost of funding earning assets0.2559%4,643
Net interest margin3.5221%3,382
Noninterest income to average assets0.4675%3,354
Noninterest expense to average assets2.6157%3,701
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.2179%1,499
Return on assets (ROA)1.2179%1,602
Pretax return on assets1.2179%2,628
Return on Equity (ROE)11.7284%1,394
Retained earnings to average equity (ytd only)-15.9765%5,918
Net charge-offs to loans-0.0124%4,624
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2301%3,424
Assets per employee ($millions)4.6979%2,747
Cash dividends to net income (ytd only)*236.2205%186
Condition Ratios (%)
Loss allowance to loans1.5215%1,897
Loan loss allowance to noncurrent loans1,788.8889%355
Noncurrent assets plus other real estate owned to assets0.0715%5,306
Noncurrent loans to loans0.0851%5,137
Net loans and leases to total assets55.4561%4,311
Net loans and leases to deposits61.8269%4,586
Net loans and leases to core deposits63.6384%4,715
Total domestic deposits to total assets89.6957%737
Equity capital to assets10.0755%3,981
Core capital (leverage) ratio10.0116%3,529
Tier 1 risk-based capital ratio15.9648%2,697
Total risk-based capital ratio17.2159%2,641
Memoranda:
Average total assets$166,841,5003,370
Average earning assets$159,451,5003,291
Average equity$17,325,5003,540
Average total loans$97,003,5003,472
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7890%4,076
Cost of funding earning assets0.2662%4,633
Net interest margin3.5228%3,443
Noninterest income to average assets0.4901%3,393
Noninterest expense to average assets2.5451%4,086
Loan and lease loss provision to assets0.0430%3,471
Net operating income to assets1.2787%1,325
Return on assets (ROA)1.2787%1,368
Pretax return on assets1.2830%2,342
Return on Equity (ROE)12.2245%1,248
Retained earnings to average equity (ytd only)2.2429%4,441
Net charge-offs to loans0.1320%2,051
Credit loss provision to net charge-offs55.5556%3,322
Earnings coverage of net charge-offs (x)17.1349%2,092
Efficiency ratio65.7465%3,944
Assets per employee ($millions)4.5711%2,922
Cash dividends to net income (ytd only)*81.6523%832
Condition Ratios (%)
Loss allowance to loans1.4640%2,160
Loan loss allowance to noncurrent loans1,624.7191%392
Noncurrent assets plus other real estate owned to assets0.0784%5,315
Noncurrent loans to loans0.0901%5,133
Net loans and leases to total assets59.1413%3,950
Net loans and leases to deposits66.4112%4,283
Net loans and leases to core deposits68.2844%4,428
Total domestic deposits to total assets89.0532%1,096
Equity capital to assets10.7019%3,136
Core capital (leverage) ratio10.4406%2,997
Tier 1 risk-based capital ratio16.2475%2,585
Total risk-based capital ratio17.4989%2,546
Memoranda:
Average total assets$162,819,8003,395
Average earning assets$156,267,4003,312
Average equity$17,031,4003,526
Average total loans$95,478,0003,466
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7534%4,248
Cost of funding earning assets0.2685%4,680
Net interest margin3.4849%3,601
Noninterest income to average assets0.4926%3,421
Noninterest expense to average assets2.4312%4,413
Loan and lease loss provision to assets0.0575%3,036
Net operating income to assets1.3441%1,240
Return on assets (ROA)1.3441%1,282
Pretax return on assets1.3498%2,211
Return on Equity (ROE)12.9252%1,140
Retained earnings to average equity (ytd only)-0.4974%5,691
Net charge-offs to loans0.1662%1,488
Credit loss provision to net charge-offs59.3220%2,912
Earnings coverage of net charge-offs (x)14.5254%2,246
Efficiency ratio63.3369%4,358
Assets per employee ($millions)4.5531%2,915
Cash dividends to net income (ytd only)*103.8486%329
Condition Ratios (%)
Loss allowance to loans1.5109%2,112
Loan loss allowance to noncurrent loans4,038.8889%190
Noncurrent assets plus other real estate owned to assets0.0537%5,560
Noncurrent loans to loans0.0374%5,468
Net loans and leases to total assets57.8222%4,166
Net loans and leases to deposits64.8327%4,484
Net loans and leases to core deposits66.9268%4,629
Total domestic deposits to total assets89.1868%925
Equity capital to assets10.5734%3,516
Core capital (leverage) ratio10.1888%3,389
Tier 1 risk-based capital ratio16.1283%2,740
Total risk-based capital ratio17.3794%2,690
Memoranda:
Average total assets$162,384,7503,440
Average earning assets$155,908,0003,346
Average equity$16,886,5003,576
Average total loans$94,655,2503,517
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7188%4,356
Cost of funding earning assets0.2689%4,733
Net interest margin3.4499%3,709
Noninterest income to average assets0.5016%3,362
Noninterest expense to average assets2.4117%4,509
Loan and lease loss provision to assets0.0865%2,378
Net operating income to assets1.3072%1,303
Return on assets (ROA)1.3072%1,360
Pretax return on assets1.3158%2,309
Return on Equity (ROE)12.6416%1,187
Retained earnings to average equity (ytd only)-7.6710%6,116
Net charge-offs to loans0.2061%1,223
Credit loss provision to net charge-offs72.1649%2,432
Earnings coverage of net charge-offs (x)11.7010%2,270
Efficiency ratio63.2329%4,479
Assets per employee ($millions)4.3464%3,219
Cash dividends to net income (ytd only)*160.6805%166
Condition Ratios (%)
Loss allowance to loans1.5445%2,094
Loan loss allowance to noncurrent loans308.5774%1,591
Noncurrent assets plus other real estate owned to assets0.3209%4,598
Noncurrent loans to loans0.5005%3,962
Net loans and leases to total assets56.9277%4,232
Net loans and leases to deposits63.8912%4,551
Net loans and leases to core deposits65.9394%4,659
Total domestic deposits to total assets89.1010%1,101
Equity capital to assets10.0701%3,956
Core capital (leverage) ratio9.7305%3,966
Tier 1 risk-based capital ratio16.0328%2,837
Total risk-based capital ratio17.2844%2,793
Memoranda:
Average total assets$161,876,0003,465
Average earning assets$155,424,6703,369
Average equity$16,738,3303,604
Average total loans$94,130,0003,550
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7036%4,348
Cost of funding earning assets0.2686%4,808
Net interest margin3.4349%3,691
Noninterest income to average assets0.5292%3,098
Noninterest expense to average assets2.4290%4,516
Loan and lease loss provision to assets0.0499%2,937
Net operating income to assets1.3206%1,207
Return on assets (ROA)1.3206%1,293
Pretax return on assets1.3381%2,126
Return on Equity (ROE)12.6016%1,192
Retained earnings to average equity (ytd only)-27.8951%6,331
Net charge-offs to loans0.0813%1,893
Credit loss provision to net charge-offs105.2632%1,553
Earnings coverage of net charge-offs (x)29.2632%1,169
Efficiency ratio63.6364%4,531
Assets per employee ($millions)4.4629%3,114
Cash dividends to net income (ytd only)*321.3611%93
Condition Ratios (%)
Loss allowance to loans1.6071%2,027
Loan loss allowance to noncurrent loans274.7715%1,720
Noncurrent assets plus other real estate owned to assets0.3628%4,559
Noncurrent loans to loans0.5849%3,825
Net loans and leases to total assets55.7256%4,232
Net loans and leases to deposits61.9612%4,573
Net loans and leases to core deposits63.9422%4,702
Total domestic deposits to total assets89.9362%772
Equity capital to assets9.8712%4,297
Core capital (leverage) ratio9.8088%3,878
Tier 1 risk-based capital ratio16.1453%2,851
Total risk-based capital ratio17.3991%2,788
Memoranda:
Average total assets$160,233,0003,502
Average earning assets$153,366,0003,413
Average equity$16,791,5003,619
Average total loans$93,446,0003,580
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9651%3,853
Cost of funding earning assets0.2844%4,962
Net interest margin3.6808%3,082
Noninterest income to average assets0.5081%3,445
Noninterest expense to average assets2.5288%4,459
Loan and lease loss provision to assets0.0656%3,189
Net operating income to assets1.4011%1,083
Return on assets (ROA)1.4095%1,096
Pretax return on assets1.4318%1,779
Return on Equity (ROE)12.9723%1,148
Retained earnings to average equity (ytd only)2.7008%4,326
Net charge-offs to loans0.1121%2,913
Credit loss provision to net charge-offs97.0874%2,500
Earnings coverage of net charge-offs (x)22.0194%1,641
Efficiency ratio62.9412%4,762
Assets per employee ($millions)4.3150%3,338
Cash dividends to net income (ytd only)*79.1803%929
Condition Ratios (%)
Loss allowance to loans1.6086%2,060
Loan loss allowance to noncurrent loans2,781.4815%253
Noncurrent assets plus other real estate owned to assets0.1024%5,623
Noncurrent loans to loans0.0578%5,651
Net loans and leases to total assets59.1410%3,905
Net loans and leases to deposits66.7400%4,240
Net loans and leases to core deposits68.8462%4,419
Total domestic deposits to total assets88.6139%1,464
Equity capital to assets11.1260%2,776
Core capital (leverage) ratio10.8206%2,597
Tier 1 risk-based capital ratio17.4690%2,328
Total risk-based capital ratio18.7231%2,292
Memoranda:
Average total assets$152,323,2003,595
Average earning assets$145,240,6003,519
Average equity$16,550,6003,597
Average total loans$91,916,4003,592
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9889%3,803
Cost of funding earning assets0.2887%5,004
Net interest margin3.7002%3,021
Noninterest income to average assets0.5252%3,362
Noninterest expense to average assets2.3988%4,829
Loan and lease loss provision to assets0.0528%3,321
Net operating income to assets1.5766%797
Return on assets (ROA)1.5878%806
Pretax return on assets1.6133%1,289
Return on Equity (ROE)14.7036%877
Retained earnings to average equity (ytd only)0.8554%5,540
Net charge-offs to loans0.0874%2,959
Credit loss provision to net charge-offs100.0000%2,200
Earnings coverage of net charge-offs (x)31.3493%1,330
Efficiency ratio59.1797%5,291
Assets per employee ($millions)4.3360%3,238
Cash dividends to net income (ytd only)*94.1827%439
Condition Ratios (%)
Loss allowance to loans1.6338%2,187
Loan loss allowance to noncurrent loans1,140.1515%508
Noncurrent assets plus other real estate owned to assets0.1212%5,687
Noncurrent loans to loans0.1433%5,486
Net loans and leases to total assets59.7091%3,837
Net loans and leases to deposits67.4126%4,193
Net loans and leases to core deposits69.5976%4,363
Total domestic deposits to total assets88.5727%1,464
Equity capital to assets11.1598%2,801
Core capital (leverage) ratio10.7740%2,723
Tier 1 risk-based capital ratio17.3180%2,462
Total risk-based capital ratio18.5724%2,421
Memoranda:
Average total assets$151,569,2503,633
Average earning assets$144,529,7503,563
Average equity$16,367,5003,639
Average total loans$91,552,7503,627
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9809%3,810
Cost of funding earning assets0.2912%5,065
Net interest margin3.6897%3,002
Noninterest income to average assets0.5254%3,303
Noninterest expense to average assets2.4039%4,866
Loan and lease loss provision to assets0.0660%2,948
Net operating income to assets1.5409%813
Return on assets (ROA)1.5577%815
Pretax return on assets1.5854%1,289
Return on Equity (ROE)14.5877%860
Retained earnings to average equity (ytd only)-6.4285%6,320
Net charge-offs to loans0.1029%2,651
Credit loss provision to net charge-offs106.3830%1,877
Earnings coverage of net charge-offs (x)26.3404%1,377
Efficiency ratio59.5293%5,358
Assets per employee ($millions)4.2455%3,377
Cash dividends to net income (ytd only)*144.0678%241
Condition Ratios (%)
Loss allowance to loans1.5904%2,497
Loan loss allowance to noncurrent loans603.2000%782
Noncurrent assets plus other real estate owned to assets0.2467%5,354
Noncurrent loans to loans0.2637%5,232
Net loans and leases to total assets61.0529%3,555
Net loans and leases to deposits68.5755%3,985
Net loans and leases to core deposits70.7794%4,179
Total domestic deposits to total assets89.0302%1,335
Equity capital to assets10.7212%3,175
Core capital (leverage) ratio10.5148%2,930
Tier 1 risk-based capital ratio16.2780%2,937
Total risk-based capital ratio17.5313%2,888
Memoranda:
Average total assets$151,506,0003,657
Average earning assets$144,239,6703,593
Average equity$16,178,0003,664
Average total loans$91,364,0003,658
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9919%3,721
Cost of funding earning assets0.2957%5,109
Net interest margin3.6962%2,877
Noninterest income to average assets0.5516%3,039
Noninterest expense to average assets2.4291%4,848
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.6097%657
Return on assets (ROA)1.6097%684
Pretax return on assets1.6362%1,097
Return on Equity (ROE)15.1051%762
Retained earnings to average equity (ytd only)-27.1992%6,605
Net charge-offs to loans-0.0357%5,661
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.7521%5,434
Assets per employee ($millions)4.2096%3,508
Cash dividends to net income (ytd only)*280.0659%138
Condition Ratios (%)
Loss allowance to loans1.6783%2,423
Loan loss allowance to noncurrent loans1,230.0813%434
Noncurrent assets plus other real estate owned to assets0.1702%5,725
Noncurrent loans to loans0.1364%5,697
Net loans and leases to total assets58.4889%3,765
Net loans and leases to deposits65.3728%4,160
Net loans and leases to core deposits67.4903%4,359
Total domestic deposits to total assets89.4698%1,382
Equity capital to assets10.3184%3,438
Core capital (leverage) ratio10.1714%3,321
Tier 1 risk-based capital ratio16.3238%2,995
Total risk-based capital ratio17.5788%2,956
Memoranda:
Average total assets$150,840,0003,693
Average earning assets$143,389,5003,630
Average equity$16,074,0003,685
Average total loans$89,636,0003,704
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9302%4,353
Cost of funding earning assets0.3262%5,366
Net interest margin3.6040%3,450
Noninterest income to average assets0.5374%3,499
Noninterest expense to average assets2.4820%4,825
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.4762%865
Return on assets (ROA)1.4762%914
Pretax return on assets1.4863%1,491
Return on Equity (ROE)13.5649%1,047
Retained earnings to average equity (ytd only)4.3412%3,089
Net charge-offs to loans0.0523%4,493
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)48.2826%819
Efficiency ratio62.5464%5,118
Assets per employee ($millions)4.0577%3,749
Cash dividends to net income (ytd only)*67.9964%1,398
Condition Ratios (%)
Loss allowance to loans1.6887%2,436
Loan loss allowance to noncurrent loans515.4110%943
Noncurrent assets plus other real estate owned to assets0.2844%5,403
Noncurrent loans to loans0.3276%5,198
Net loans and leases to total assets58.3588%3,971
Net loans and leases to deposits65.7598%4,325
Net loans and leases to core deposits67.7736%4,539
Total domestic deposits to total assets88.7455%1,781
Equity capital to assets10.9974%2,615
Core capital (leverage) ratio10.8979%2,477
Tier 1 risk-based capital ratio17.5809%2,381
Total risk-based capital ratio18.8350%2,360
Memoranda:
Average total assets$149,434,6003,715
Average earning assets$142,258,2003,629
Average equity$16,262,6003,661
Average total loans$87,895,6003,736
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9171%4,438
Cost of funding earning assets0.3311%5,459
Net interest margin3.5860%3,509
Noninterest income to average assets0.5476%3,479
Noninterest expense to average assets2.3377%5,221
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.6115%733
Return on assets (ROA)1.6115%777
Pretax return on assets1.6249%1,280
Return on Equity (ROE)14.8469%827
Retained earnings to average equity (ytd only)2.5019%4,819
Net charge-offs to loans0.0335%4,461
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)82.6891%572
Efficiency ratio58.9946%5,556
Assets per employee ($millions)4.1299%3,582
Cash dividends to net income (ytd only)*83.1487%702
Condition Ratios (%)
Loss allowance to loans1.7237%2,545
Loan loss allowance to noncurrent loans386.1111%1,114
Noncurrent assets plus other real estate owned to assets0.4056%5,205
Noncurrent loans to loans0.4464%5,086
Net loans and leases to total assets58.6339%3,905
Net loans and leases to deposits66.0870%4,300
Net loans and leases to core deposits68.1026%4,516
Total domestic deposits to total assets88.7224%1,710
Equity capital to assets10.9776%2,776
Core capital (leverage) ratio10.7454%2,727
Tier 1 risk-based capital ratio17.2815%2,591
Total risk-based capital ratio18.5366%2,559
Memoranda:
Average total assets$149,259,5003,760
Average earning assets$142,142,7503,668
Average equity$16,200,5003,710
Average total loans$87,589,0003,771
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8733%4,577
Cost of funding earning assets0.3331%5,538
Net interest margin3.5403%3,607
Noninterest income to average assets0.5500%3,502
Noninterest expense to average assets2.3071%5,362
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.5965%751
Return on assets (ROA)1.5965%824
Pretax return on assets1.6139%1,326
Return on Equity (ROE)14.7645%853
Retained earnings to average equity (ytd only)-3.7994%6,376
Net charge-offs to loans0.0275%4,312
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)100.5000%459
Efficiency ratio58.8396%5,620
Assets per employee ($millions)4.2699%3,226
Cash dividends to net income (ytd only)*125.7334%312
Condition Ratios (%)
Loss allowance to loans1.7487%2,599
Loan loss allowance to noncurrent loans672.0524%667
Noncurrent assets plus other real estate owned to assets0.2917%5,598
Noncurrent loans to loans0.2602%5,659
Net loans and leases to total assets57.8583%4,013
Net loans and leases to deposits64.7846%4,404
Net loans and leases to core deposits66.7310%4,623
Total domestic deposits to total assets89.3087%1,442
Equity capital to assets10.4304%3,389
Core capital (leverage) ratio10.1904%3,249
Tier 1 risk-based capital ratio16.6643%2,855
Total risk-based capital ratio17.9196%2,826
Memoranda:
Average total assets$149,454,3303,784
Average earning assets$142,306,0003,684
Average equity$16,160,3303,744
Average total loans$87,217,6703,786
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8546%4,635
Cost of funding earning assets0.3409%5,631
Net interest margin3.5137%3,640
Noninterest income to average assets0.5674%3,328
Noninterest expense to average assets2.2936%5,443
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.5924%717
Return on assets (ROA)1.5924%778
Pretax return on assets1.6112%1,284
Return on Equity (ROE)14.4712%869
Retained earnings to average equity (ytd only)-22.0108%6,854
Net charge-offs to loans0.0369%3,508
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)75.2500%489
Efficiency ratio58.7389%5,750
Assets per employee ($millions)4.4679%3,032
Cash dividends to net income (ytd only)*252.1008%131
Condition Ratios (%)
Loss allowance to loans1.7826%2,683
Loan loss allowance to noncurrent loans662.2318%676
Noncurrent assets plus other real estate owned to assets0.2896%5,704
Noncurrent loans to loans0.2692%5,735
Net loans and leases to total assets55.9641%4,081
Net loans and leases to deposits62.6933%4,454
Net loans and leases to core deposits64.6352%4,685
Total domestic deposits to total assets89.2665%1,512
Equity capital to assets10.4906%3,549
Core capital (leverage) ratio9.9158%3,509
Tier 1 risk-based capital ratio16.1886%3,163
Total risk-based capital ratio17.4445%3,108
Memoranda:
Average total assets$149,457,5003,820
Average earning assets$141,959,5003,733
Average equity$16,446,5003,745
Average total loans$86,823,0003,818
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2110%4,547
Cost of funding earning assets0.4073%5,868
Net interest margin3.8037%3,209
Noninterest income to average assets0.6049%3,253
Noninterest expense to average assets2.6900%4,432
Loan and lease loss provision to assets0.0491%5,205
Net operating income to assets1.4431%1,018
Return on assets (ROA)1.4431%1,142
Pretax return on assets1.4852%1,728
Return on Equity (ROE)12.8165%1,279
Retained earnings to average equity (ytd only)6.5919%1,770
Net charge-offs to loans0.1214%4,475
Credit loss provision to net charge-offs67.3077%4,237
Earnings coverage of net charge-offs (x)21.0481%1,317
Efficiency ratio63.6801%4,945
Assets per employee ($millions)4.0835%3,782
Cash dividends to net income (ytd only)*48.5673%2,391
Condition Ratios (%)
Loss allowance to loans1.7809%2,651
Loan loss allowance to noncurrent loans779.3970%562
Noncurrent assets plus other real estate owned to assets0.2803%5,850
Noncurrent loans to loans0.2285%5,909
Net loans and leases to total assets58.1863%3,944
Net loans and leases to deposits66.0005%4,283
Net loans and leases to core deposits67.8711%4,548
Total domestic deposits to total assets88.1604%2,126
Equity capital to assets11.5348%2,410
Core capital (leverage) ratio10.8761%2,365
Tier 1 risk-based capital ratio17.2121%2,553
Total risk-based capital ratio18.4680%2,530
Memoranda:
Average total assets$142,678,8003,902
Average earning assets$135,762,6003,798
Average equity$16,065,2003,759
Average total loans$85,647,4003,861
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2077%4,799
Cost of funding earning assets0.4162%6,014
Net interest margin3.7915%3,371
Noninterest income to average assets0.6168%3,177
Noninterest expense to average assets2.6017%4,733
Loan and lease loss provision to assets0.0659%4,877
Net operating income to assets1.5264%977
Return on assets (ROA)1.5264%1,083
Pretax return on assets1.5687%1,676
Return on Equity (ROE)13.6425%1,187
Retained earnings to average equity (ytd only)5.2264%3,207
Net charge-offs to loans0.1438%3,963
Credit loss provision to net charge-offs76.0870%3,734
Earnings coverage of net charge-offs (x)18.8701%1,527
Efficiency ratio61.4136%5,241
Assets per employee ($millions)3.9277%4,019
Cash dividends to net income (ytd only)*61.6903%1,216
Condition Ratios (%)
Loss allowance to loans1.7545%2,953
Loan loss allowance to noncurrent loans562.2302%684
Noncurrent assets plus other real estate owned to assets0.3366%5,852
Noncurrent loans to loans0.3121%5,858
Net loans and leases to total assets61.8962%3,399
Net loans and leases to deposits70.3492%3,848
Net loans and leases to core deposits72.4551%4,197
Total domestic deposits to total assets87.9843%2,053
Equity capital to assets11.7392%2,492
Core capital (leverage) ratio10.7073%2,692
Tier 1 risk-based capital ratio16.5851%2,950
Total risk-based capital ratio17.8412%2,921
Memoranda:
Average total assets$141,596,7503,962
Average earning assets$135,177,5003,848
Average equity$15,842,2503,840
Average total loans$85,287,0003,909
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1647%5,069
Cost of funding earning assets0.4230%6,141
Net interest margin3.7417%3,632
Noninterest income to average assets0.6240%3,103
Noninterest expense to average assets2.6316%4,678
Loan and lease loss provision to assets0.0282%5,316
Net operating income to assets1.4937%1,004
Return on assets (ROA)1.4937%1,122
Pretax return on assets1.5360%1,762
Return on Equity (ROE)13.5728%1,211
Retained earnings to average equity (ytd only)0.7441%5,765
Net charge-offs to loans0.0976%4,188
Credit loss provision to net charge-offs48.7805%4,065
Earnings coverage of net charge-offs (x)27.0244%1,144
Efficiency ratio62.7187%5,129
Assets per employee ($millions)3.8343%4,235
Cash dividends to net income (ytd only)*94.5180%522
Condition Ratios (%)
Loss allowance to loans1.7528%3,012
Loan loss allowance to noncurrent loans552.6502%659
Noncurrent assets plus other real estate owned to assets0.3517%5,893
Noncurrent loans to loans0.3172%5,920
Net loans and leases to total assets61.7919%3,479
Net loans and leases to deposits69.7887%3,931
Net loans and leases to core deposits71.7050%4,327
Total domestic deposits to total assets88.5415%1,794
Equity capital to assets11.2379%2,853
Core capital (leverage) ratio10.4112%2,910
Tier 1 risk-based capital ratio15.8975%3,210
Total risk-based capital ratio17.1532%3,182
Memoranda:
Average total assets$141,663,0003,979
Average earning assets$135,233,3303,862
Average equity$15,590,0003,869
Average total loans$84,021,6703,977
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1749%5,195
Cost of funding earning assets0.4270%6,274
Net interest margin3.7479%3,606
Noninterest income to average assets0.6386%3,000
Noninterest expense to average assets2.6109%4,779
Loan and lease loss provision to assets0.0565%4,699
Net operating income to assets1.5004%1,017
Return on assets (ROA)1.5004%1,140
Pretax return on assets1.5428%1,765
Return on Equity (ROE)13.7801%1,231
Retained earnings to average equity (ytd only)-12.1711%6,905
Net charge-offs to loans-0.0098%5,938
Credit loss provision to net charge-offs-1,000.0000%5,917
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.0134%5,270
Assets per employee ($millions)4.0905%3,823
Cash dividends to net income (ytd only)*188.3239%186
Condition Ratios (%)
Loss allowance to loans1.9751%2,434
Loan loss allowance to noncurrent loans508.5443%674
Noncurrent assets plus other real estate owned to assets0.3877%5,903
Noncurrent loans to loans0.3884%5,900
Net loans and leases to total assets55.7098%4,438
Net loans and leases to deposits62.4407%4,855
Net loans and leases to core deposits63.9773%5,117
Total domestic deposits to total assets89.2203%1,540
Equity capital to assets10.5855%3,390
Core capital (leverage) ratio10.1956%3,111
Tier 1 risk-based capital ratio16.3531%2,987
Total risk-based capital ratio17.6109%2,938
Memoranda:
Average total assets$141,560,5004,007
Average earning assets$134,902,0003,904
Average equity$15,413,5003,910
Average total loans$81,419,0004,079
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6152%4,610
Cost of funding earning assets0.5521%6,330
Net interest margin4.0631%2,591
Noninterest income to average assets0.6976%2,611
Noninterest expense to average assets3.0551%3,374
Loan and lease loss provision to assets0.1819%4,371
Net operating income to assets1.2646%1,337
Return on assets (ROA)1.2646%1,439
Pretax return on assets1.3152%2,071
Return on Equity (ROE)11.9079%1,429
Retained earnings to average equity (ytd only)8.4543%938
Net charge-offs to loans0.3274%3,755
Credit loss provision to net charge-offs91.5129%3,943
Earnings coverage of net charge-offs (x)7.5314%2,326
Efficiency ratio67.1125%4,552
Assets per employee ($millions)3.8876%4,111
Cash dividends to net income (ytd only)*29.0023%3,161
Condition Ratios (%)
Loss allowance to loans1.9454%2,428
Loan loss allowance to noncurrent loans2,058.4416%224
Noncurrent assets plus other real estate owned to assets0.2258%6,395
Noncurrent loans to loans0.0945%6,575
Net loans and leases to total assets57.0816%4,531
Net loans and leases to deposits64.4757%4,945
Net loans and leases to core deposits66.1122%5,241
Total domestic deposits to total assets88.5319%1,836
Equity capital to assets11.1980%2,797
Core capital (leverage) ratio10.4490%2,791
Tier 1 risk-based capital ratio16.7722%2,704
Total risk-based capital ratio18.0289%2,665
Memoranda:
Average total assets$136,328,4004,045
Average earning assets$129,334,6003,949
Average equity$14,477,8004,014
Average total loans$82,780,2004,057
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6829%4,537
Cost of funding earning assets0.5833%6,363
Net interest margin4.0996%2,479
Noninterest income to average assets0.7089%2,552
Noninterest expense to average assets3.0816%3,230
Loan and lease loss provision to assets0.1802%4,227
Net operating income to assets1.2829%1,426
Return on assets (ROA)1.2829%1,524
Pretax return on assets1.3360%2,166
Return on Equity (ROE)12.2523%1,476
Retained earnings to average equity (ytd only)7.5508%1,689
Net charge-offs to loans0.3353%3,415
Credit loss provision to net charge-offs87.5598%3,869
Earnings coverage of net charge-offs (x)7.3684%2,370
Efficiency ratio67.0236%4,517
Assets per employee ($millions)3.8522%4,188
Cash dividends to net income (ytd only)*38.3730%2,102
Condition Ratios (%)
Loss allowance to loans1.9306%2,534
Loan loss allowance to noncurrent loans1,154.7445%320
Noncurrent assets plus other real estate owned to assets0.3360%6,231
Noncurrent loans to loans0.1672%6,531
Net loans and leases to total assets57.9479%4,525
Net loans and leases to deposits65.3682%5,000
Net loans and leases to core deposits67.1954%5,282
Total domestic deposits to total assets88.6485%1,659
Equity capital to assets11.0277%3,118
Core capital (leverage) ratio10.3430%3,045
Tier 1 risk-based capital ratio16.2297%3,003
Total risk-based capital ratio17.4844%2,963
Memoranda:
Average total assets$135,422,0004,088
Average earning assets$128,463,7503,981
Average equity$14,179,2504,093
Average total loans$83,107,0004,086
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7332%4,378
Cost of funding earning assets0.6115%6,402
Net interest margin4.1217%2,336
Noninterest income to average assets0.7161%2,454
Noninterest expense to average assets3.1131%3,204
Loan and lease loss provision to assets0.2352%3,560
Net operating income to assets1.2134%1,532
Return on assets (ROA)1.2134%1,614
Pretax return on assets1.2714%2,236
Return on Equity (ROE)11.8048%1,553
Retained earnings to average equity (ytd only)4.5626%3,285
Net charge-offs to loans0.3785%3,038
Credit loss provision to net charge-offs100.0000%3,113
Earnings coverage of net charge-offs (x)6.4051%2,398
Efficiency ratio67.3864%4,628
Assets per employee ($millions)3.6564%4,547
Cash dividends to net income (ytd only)*61.3497%1,308
Condition Ratios (%)
Loss allowance to loans1.9298%2,577
Loan loss allowance to noncurrent loans418.7500%775
Noncurrent assets plus other real estate owned to assets0.7806%5,331
Noncurrent loans to loans0.4609%5,989
Net loans and leases to total assets60.4020%4,200
Net loans and leases to deposits67.9574%4,713
Net loans and leases to core deposits69.8947%5,088
Total domestic deposits to total assets88.8822%1,609
Equity capital to assets10.5923%3,386
Core capital (leverage) ratio10.2104%3,020
Tier 1 risk-based capital ratio15.6163%3,175
Total risk-based capital ratio16.8735%3,131
Memoranda:
Average total assets$134,336,6704,137
Average earning assets$127,228,0004,039
Average equity$13,808,0004,156
Average total loans$83,495,0004,109
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7616%4,249
Cost of funding earning assets0.6477%6,390
Net interest margin4.1138%2,217
Noninterest income to average assets0.7470%2,270
Noninterest expense to average assets2.7999%4,442
Loan and lease loss provision to assets0.2988%2,767
Net operating income to assets1.4582%969
Return on assets (ROA)1.4582%1,005
Pretax return on assets1.5389%1,326
Return on Equity (ROE)14.4091%918
Retained earnings to average equity (ytd only)-0.3543%5,855
Net charge-offs to loans0.1244%3,778
Credit loss provision to net charge-offs384.6154%860
Earnings coverage of net charge-offs (x)23.6538%1,009
Efficiency ratio60.3737%5,932
Assets per employee ($millions)3.7685%4,372
Cash dividends to net income (ytd only)*102.4590%575
Condition Ratios (%)
Loss allowance to loans2.0307%2,328
Loan loss allowance to noncurrent loans159.1296%1,836
Noncurrent assets plus other real estate owned to assets1.4978%4,004
Noncurrent loans to loans1.2761%4,566
Net loans and leases to total assets59.8126%4,307
Net loans and leases to deposits66.7550%4,869
Net loans and leases to core deposits68.6323%5,212
Total domestic deposits to total assets89.6003%1,429
Equity capital to assets10.0046%3,765
Core capital (leverage) ratio9.9831%3,160
Tier 1 risk-based capital ratio15.1789%3,329
Total risk-based capital ratio16.4366%3,280
Memoranda:
Average total assets$133,861,5004,175
Average earning assets$126,597,0004,094
Average equity$13,547,0004,207
Average total loans$83,580,5004,143
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9753%4,673
Cost of funding earning assets0.8825%6,230
Net interest margin4.0927%2,599
Noninterest income to average assets0.7243%2,684
Noninterest expense to average assets3.0414%3,688
Loan and lease loss provision to assets0.6173%2,669
Net operating income to assets0.8807%2,464
Return on assets (ROA)0.8844%2,584
Pretax return on assets0.9068%3,258
Return on Equity (ROE)8.7945%2,378
Retained earnings to average equity (ytd only)5.2975%2,247
Net charge-offs to loans1.0019%2,190
Credit loss provision to net charge-offs96.3785%4,819
Earnings coverage of net charge-offs (x)2.3738%3,953
Efficiency ratio66.6721%4,826
Assets per employee ($millions)3.6682%4,527
Cash dividends to net income (ytd only)*39.7631%2,625
Condition Ratios (%)
Loss allowance to loans1.9067%2,546
Loan loss allowance to noncurrent loans138.0258%2,145
Noncurrent assets plus other real estate owned to assets1.5925%3,918
Noncurrent loans to loans1.3814%4,412
Net loans and leases to total assets62.6439%4,139
Net loans and leases to deposits70.2077%4,793
Net loans and leases to core deposits72.2445%5,183
Total domestic deposits to total assets89.2265%1,526
Equity capital to assets10.2388%3,453
Core capital (leverage) ratio9.9275%3,166
Tier 1 risk-based capital ratio15.0690%3,201
Total risk-based capital ratio16.3257%3,147
Memoranda:
Average total assets$133,655,2004,188
Average earning assets$125,320,0004,123
Average equity$13,440,2004,271
Average total loans$85,438,8004,170
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9712%4,941
Cost of funding earning assets0.9307%6,272
Net interest margin4.0405%2,905
Noninterest income to average assets0.7400%2,580
Noninterest expense to average assets2.9838%3,805
Loan and lease loss provision to assets0.6216%2,448
Net operating income to assets0.8952%2,632
Return on assets (ROA)0.9001%2,759
Pretax return on assets0.9220%3,482
Return on Equity (ROE)8.9914%2,493
Retained earnings to average equity (ytd only)4.3218%3,458
Net charge-offs to loans1.0095%1,993
Credit loss provision to net charge-offs96.3020%4,505
Earnings coverage of net charge-offs (x)2.3837%3,982
Efficiency ratio65.9776%4,861
Assets per employee ($millions)3.6590%4,594
Cash dividends to net income (ytd only)*51.9335%1,557
Condition Ratios (%)
Loss allowance to loans1.9397%2,380
Loan loss allowance to noncurrent loans89.8220%3,056
Noncurrent assets plus other real estate owned to assets2.1241%3,300
Noncurrent loans to loans2.1595%3,497
Net loans and leases to total assets61.9819%4,533
Net loans and leases to deposits69.8621%5,168
Net loans and leases to core deposits71.7292%5,544
Total domestic deposits to total assets88.7204%1,550
Equity capital to assets10.6571%3,340
Core capital (leverage) ratio9.8624%3,414
Tier 1 risk-based capital ratio14.9544%3,273
Total risk-based capital ratio16.2119%3,256
Memoranda:
Average total assets$134,055,0004,230
Average earning assets$125,494,0004,171
Average equity$13,420,0004,344
Average total loans$85,715,2504,237
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9293%5,273
Cost of funding earning assets0.9900%6,195
Net interest margin3.9393%3,283
Noninterest income to average assets0.7580%2,337
Noninterest expense to average assets2.8851%4,132
Loan and lease loss provision to assets0.8010%1,803
Net operating income to assets0.7285%3,275
Return on assets (ROA)0.7357%3,405
Pretax return on assets0.7565%4,041
Return on Equity (ROE)7.5072%3,113
Retained earnings to average equity (ytd only)3.5720%3,826
Net charge-offs to loans1.3151%1,443
Credit loss provision to net charge-offs94.9033%4,263
Earnings coverage of net charge-offs (x)1.8366%4,145
Efficiency ratio65.0502%5,141
Assets per employee ($millions)3.6142%4,668
Cash dividends to net income (ytd only)*52.4194%1,572
Condition Ratios (%)
Loss allowance to loans1.8901%2,440
Loan loss allowance to noncurrent loans78.9216%3,440
Noncurrent assets plus other real estate owned to assets2.3660%3,046
Noncurrent loans to loans2.3949%3,264
Net loans and leases to total assets62.4930%4,582
Net loans and leases to deposits69.8034%5,310
Net loans and leases to core deposits71.4640%5,728
Total domestic deposits to total assets89.5272%1,164
Equity capital to assets10.1595%3,823
Core capital (leverage) ratio9.7198%3,511
Tier 1 risk-based capital ratio14.3882%3,499
Total risk-based capital ratio15.6448%3,466
Memoranda:
Average total assets$134,832,0004,244
Average earning assets$125,860,0004,187
Average equity$13,214,0004,392
Average total loans$86,533,6704,238
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9021%5,453
Cost of funding earning assets1.0936%5,941
Net interest margin3.8085%3,765
Noninterest income to average assets0.7593%2,241
Noninterest expense to average assets2.9575%3,827
Loan and lease loss provision to assets1.4773%793
Net operating income to assets-0.1330%6,461
Return on assets (ROA)-0.1182%6,528
Pretax return on assets-0.1005%6,470
Return on Equity (ROE)-1.2281%6,551
Retained earnings to average equity (ytd only)-9.2109%6,911
Net charge-offs to loans2.4492%674
Credit loss provision to net charge-offs93.6330%3,577
Earnings coverage of net charge-offs (x)0.8633%4,273
Efficiency ratio68.4679%4,634
Assets per employee ($millions)3.6059%4,803
Cash dividends to net income (ytd only)*-650.0000%7,918
Condition Ratios (%)
Loss allowance to loans1.8630%2,542
Loan loss allowance to noncurrent loans74.2025%3,659
Noncurrent assets plus other real estate owned to assets2.4637%2,946
Noncurrent loans to loans2.5106%3,165
Net loans and leases to total assets63.3703%4,456
Net loans and leases to deposits70.4050%5,281
Net loans and leases to core deposits71.9717%5,714
Total domestic deposits to total assets90.0082%981
Equity capital to assets9.6613%4,286
Core capital (leverage) ratio9.1913%4,242
Tier 1 risk-based capital ratio13.7089%3,859
Total risk-based capital ratio14.9649%3,805
Memoranda:
Average total assets$135,384,5004,293
Average earning assets$126,558,5004,225
Average equity$13,028,0004,465
Average total loans$87,210,5004,287
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5852%3,684
Cost of funding earning assets1.5662%5,196
Net interest margin4.0189%2,791
Noninterest income to average assets0.6555%3,252
Noninterest expense to average assets3.2569%3,168
Loan and lease loss provision to assets0.5891%3,437
Net operating income to assets0.4938%3,752
Return on assets (ROA)0.6489%3,198
Pretax return on assets0.6260%3,822
Return on Equity (ROE)6.7505%2,891
Retained earnings to average equity (ytd only)4.0626%2,377
Net charge-offs to loans0.9768%2,454
Credit loss provision to net charge-offs89.7638%6,006
Earnings coverage of net charge-offs (x)1.6153%4,533
Efficiency ratio75.4446%3,627
Assets per employee ($millions)3.5218%4,963
Cash dividends to net income (ytd only)*39.8180%2,940
Condition Ratios (%)
Loss allowance to loans1.8568%2,387
Loan loss allowance to noncurrent loans66.6802%4,064
Noncurrent assets plus other real estate owned to assets1.9993%3,404
Noncurrent loans to loans2.7847%2,775
Net loans and leases to total assets63.0717%4,791
Net loans and leases to deposits70.1251%5,591
Net loans and leases to core deposits82.6132%5,861
Total domestic deposits to total assets89.9418%992
Equity capital to assets9.5857%4,287
Core capital (leverage) ratio9.2270%4,082
Tier 1 risk-based capital ratio13.7504%3,656
Total risk-based capital ratio15.0064%3,597
Memoranda:
Average total assets$135,466,6004,228
Average earning assets$123,416,0004,233
Average equity$13,021,2004,504
Average total loans$91,015,6004,189
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7185%3,251
Cost of funding earning assets1.6552%5,136
Net interest margin4.0634%2,537
Noninterest income to average assets0.6993%3,018
Noninterest expense to average assets3.3343%2,789
Loan and lease loss provision to assets0.5906%3,023
Net operating income to assets0.4928%4,012
Return on assets (ROA)0.7003%3,265
Pretax return on assets0.6696%3,960
Return on Equity (ROE)7.2800%2,954
Retained earnings to average equity (ytd only)3.6862%3,231
Net charge-offs to loans0.8942%2,175
Credit loss provision to net charge-offs97.2358%5,252
Earnings coverage of net charge-offs (x)1.7333%4,500
Efficiency ratio76.0018%3,518
Assets per employee ($millions)3.3963%5,171
Cash dividends to net income (ytd only)*49.3658%2,036
Condition Ratios (%)
Loss allowance to loans1.9384%1,935
Loan loss allowance to noncurrent loans101.3609%2,741
Noncurrent assets plus other real estate owned to assets1.4560%4,198
Noncurrent loans to loans1.9124%3,761
Net loans and leases to total assets63.7887%4,908
Net loans and leases to deposits71.0542%5,792
Net loans and leases to core deposits83.9220%6,044
Total domestic deposits to total assets89.7748%858
Equity capital to assets9.6503%4,553
Core capital (leverage) ratio9.1155%4,463
Tier 1 risk-based capital ratio13.5680%3,801
Total risk-based capital ratio14.8253%3,729
Memoranda:
Average total assets$134,995,7504,253
Average earning assets$122,522,5004,290
Average equity$12,985,0004,543
Average total loans$91,702,5004,204
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8629%2,746
Cost of funding earning assets1.7508%5,002
Net interest margin4.1121%2,279
Noninterest income to average assets0.7052%2,960
Noninterest expense to average assets3.4147%2,580
Loan and lease loss provision to assets0.2865%4,285
Net operating income to assets0.7601%3,009
Return on assets (ROA)1.0719%1,946
Pretax return on assets1.0259%2,902
Return on Equity (ROE)11.1563%1,658
Retained earnings to average equity (ytd only)5.7481%2,142
Net charge-offs to loans0.1638%4,571
Credit loss provision to net charge-offs253.9474%1,832
Earnings coverage of net charge-offs (x)8.8684%2,207
Efficiency ratio77.3369%3,448
Assets per employee ($millions)3.1096%5,840
Cash dividends to net income (ytd only)*48.4765%2,104
Condition Ratios (%)
Loss allowance to loans2.0242%1,520
Loan loss allowance to noncurrent loans118.5494%2,490
Noncurrent assets plus other real estate owned to assets1.3996%4,159
Noncurrent loans to loans1.7075%3,948
Net loans and leases to total assets65.3392%4,695
Net loans and leases to deposits72.6874%5,643
Net loans and leases to core deposits85.2523%5,991
Total domestic deposits to total assets89.8906%871
Equity capital to assets9.4692%4,649
Core capital (leverage) ratio9.1483%4,390
Tier 1 risk-based capital ratio13.1546%4,033
Total risk-based capital ratio14.4132%3,952
Memoranda:
Average total assets$134,711,0004,288
Average earning assets$121,544,3304,328
Average equity$12,943,3304,558
Average total loans$92,813,3304,208
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0766%2,038
Cost of funding earning assets1.8529%4,866
Net interest margin4.2237%1,825
Noninterest income to average assets0.7362%2,676
Noninterest expense to average assets3.0526%3,552
Loan and lease loss provision to assets0.4429%2,710
Net operating income to assets1.0924%1,987
Return on assets (ROA)1.7208%684
Pretax return on assets1.6281%1,338
Return on Equity (ROE)17.7785%607
Retained earnings to average equity (ytd only)6.9568%2,228
Net charge-offs to loans0.2009%3,432
Credit loss provision to net charge-offs314.8936%1,555
Earnings coverage of net charge-offs (x)10.2553%1,966
Efficiency ratio67.9095%4,981
Assets per employee ($millions)3.2459%5,472
Cash dividends to net income (ytd only)*60.8696%1,472
Condition Ratios (%)
Loss allowance to loans1.9679%1,483
Loan loss allowance to noncurrent loans116.7730%2,668
Noncurrent assets plus other real estate owned to assets2.0055%2,891
Noncurrent loans to loans1.6852%3,728
Net loans and leases to total assets66.9068%4,361
Net loans and leases to deposits74.3683%5,439
Net loans and leases to core deposits87.1983%5,819
Total domestic deposits to total assets89.9668%819
Equity capital to assets9.4779%4,699
Core capital (leverage) ratio9.3721%4,140
Tier 1 risk-based capital ratio12.6807%4,409
Total risk-based capital ratio13.9380%4,323
Memoranda:
Average total assets$133,655,0004,329
Average earning assets$118,948,0004,417
Average equity$12,937,0004,595
Average total loans$93,597,0004,222
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5902%2,536
Cost of funding earning assets2.3533%4,913
Net interest margin4.2369%2,171
Noninterest income to average assets0.7462%2,805
Noninterest expense to average assets3.2176%3,273
Loan and lease loss provision to assets0.6256%2,329
Net operating income to assets0.7755%3,543
Return on assets (ROA)0.7705%3,412
Pretax return on assets0.8175%4,002
Return on Equity (ROE)8.2812%2,948
Retained earnings to average equity (ytd only)4.2058%2,501
Net charge-offs to loans0.8108%1,539
Credit loss provision to net charge-offs107.2822%5,003
Earnings coverage of net charge-offs (x)2.4837%4,830
Efficiency ratio68.9582%4,548
Assets per employee ($millions)3.1186%5,724
Cash dividends to net income (ytd only)*49.2126%3,167
Condition Ratios (%)
Loss allowance to loans1.8375%1,552
Loan loss allowance to noncurrent loans104.5317%3,321
Noncurrent assets plus other real estate owned to assets2.2461%2,167
Noncurrent loans to loans1.7578%3,128
Net loans and leases to total assets70.5595%3,893
Net loans and leases to deposits79.0376%5,188
Net loans and leases to core deposits92.4941%5,595
Total domestic deposits to total assets89.2734%932
Equity capital to assets9.8891%4,172
Core capital (leverage) ratio9.2206%4,411
Tier 1 risk-based capital ratio12.3536%4,550
Total risk-based capital ratio13.6103%4,434
Memoranda:
Average total assets$131,868,0004,233
Average earning assets$121,999,8004,214
Average equity$12,268,8004,762
Average total loans$94,841,6004,081