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KeyBank, Performance and Condition Ratios

2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8635%3,172
Cost of funding earning assets2.5805%948
Net interest margin2.2831%4,087
Noninterest income to average assets1.0800%524
Noninterest expense to average assets2.0944%3,336
Loan and lease loss provision to assets0.2200%493
Net operating income to assets0.6788%2,986
Return on assets (ROA)0.6746%3,023
Pretax return on assets0.8335%2,921
Return on Equity (ROE)8.4200%2,609
Retained earnings to average equity (ytd only)1.9550%3,365
Net charge-offs to loans0.3142%357
Credit loss provision to net charge-offs121.4222%1,344
Earnings coverage of net charge-offs (x)5.6349%2,202
Efficiency ratio65.9997%2,544
Assets per employee ($millions)10.5555%622
Cash dividends to net income (ytd only)*76.7681%700
Condition Ratios (%)
Loss allowance to loans1.4475%1,228
Loan loss allowance to noncurrent loans162.0086%2,558
Noncurrent assets plus other real estate owned to assets0.5336%1,273
Noncurrent loans to loans0.8935%1,061
Net loans and leases to total assets57.4800%3,154
Net loans and leases to deposits71.2278%2,894
Net loans and leases to core deposits75.3676%3,079
Total domestic deposits to total assets80.7000%3,329
Equity capital to assets8.1354%3,346
Core capital (leverage) ratio9.3542%3,384
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7830%1,596
Memoranda:
Average total assets$185,362,295,33323
Average earning assets$167,797,967,66723
Average equity$14,860,448,00025
Average total loans$110,580,383,66721
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7929%3,160
Cost of funding earning assets2.5386%927
Net interest margin2.2543%4,140
Noninterest income to average assets1.0800%495
Noninterest expense to average assets2.1654%3,152
Loan and lease loss provision to assets0.2200%447
Net operating income to assets0.6031%3,138
Return on assets (ROA)0.5993%3,174
Pretax return on assets0.7377%3,066
Return on Equity (ROE)7.5300%2,817
Retained earnings to average equity (ytd only)0.7593%3,552
Net charge-offs to loans0.2967%309
Credit loss provision to net charge-offs138.5298%978
Earnings coverage of net charge-offs (x)5.3609%1,860
Efficiency ratio68.7950%2,293
Assets per employee ($millions)10.7034%587
Cash dividends to net income (ytd only)*89.9180%619
Condition Ratios (%)
Loss allowance to loans1.4100%1,351
Loan loss allowance to noncurrent loans198.1330%2,409
Noncurrent assets plus other real estate owned to assets0.4359%1,428
Noncurrent loans to loans0.7116%1,248
Net loans and leases to total assets58.7700%2,982
Net loans and leases to deposits73.6954%2,626
Net loans and leases to core deposits76.9787%2,917
Total domestic deposits to total assets79.7500%3,558
Equity capital to assets7.9604%3,400
Core capital (leverage) ratio9.3296%3,364
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5623%1,681
Memoranda:
Average total assets$185,561,822,00021
Average earning assets$168,053,159,00022
Average equity$14,766,927,50024
Average total loans$111,927,529,50020
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5746%2,958
Cost of funding earning assets2.1493%700
Net interest margin2.4253%4,165
Noninterest income to average assets1.0800%561
Noninterest expense to average assets2.1798%3,183
Loan and lease loss provision to assets0.2600%435
Net operating income to assets0.6817%3,238
Return on assets (ROA)0.6820%3,215
Pretax return on assets0.8403%3,113
Return on Equity (ROE)9.3600%2,676
Retained earnings to average equity (ytd only)4.4664%2,808
Net charge-offs to loans0.2084%518
Credit loss provision to net charge-offs167.7014%1,362
Earnings coverage of net charge-offs (x)8.4171%2,344
Efficiency ratio65.8935%2,368
Assets per employee ($millions)10.4099%632
Cash dividends to net income (ytd only)*52.2581%1,536
Condition Ratios (%)
Loss allowance to loans1.3442%1,594
Loan loss allowance to noncurrent loans220.5294%2,405
Noncurrent assets plus other real estate owned to assets0.3842%1,439
Noncurrent loans to loans0.6096%1,293
Net loans and leases to total assets60.2000%2,826
Net loans and leases to deposits75.3409%2,517
Net loans and leases to core deposits79.4626%2,738
Total domestic deposits to total assets79.9000%3,479
Equity capital to assets7.9555%3,453
Core capital (leverage) ratio9.2196%3,504
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1570%1,813
Memoranda:
Average total assets$189,405,159,00019
Average earning assets$171,729,318,80019
Average equity$13,806,882,80022
Average total loans$118,592,724,40019
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5005%2,917
Cost of funding earning assets2.0450%655
Net interest margin2.4555%4,188
Noninterest income to average assets1.0800%567
Noninterest expense to average assets2.0507%3,467
Loan and lease loss provision to assets0.2700%361
Net operating income to assets0.7897%3,052
Return on assets (ROA)0.7918%3,046
Pretax return on assets0.9900%2,884
Return on Equity (ROE)11.1100%2,346
Retained earnings to average equity (ytd only)5.9489%2,652
Net charge-offs to loans0.1900%461
Credit loss provision to net charge-offs186.5631%1,168
Earnings coverage of net charge-offs (x)10.5156%2,121
Efficiency ratio61.3745%2,798
Assets per employee ($millions)10.1716%627
Cash dividends to net income (ytd only)*46.4568%1,397
Condition Ratios (%)
Loss allowance to loans1.2906%1,910
Loan loss allowance to noncurrent loans291.1356%2,054
Noncurrent assets plus other real estate owned to assets0.2909%1,842
Noncurrent loans to loans0.4433%1,718
Net loans and leases to total assets62.0400%2,655
Net loans and leases to deposits78.1860%2,232
Net loans and leases to core deposits82.5765%2,432
Total domestic deposits to total assets79.3500%3,629
Equity capital to assets7.1903%3,517
Core capital (leverage) ratio8.9778%3,799
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7070%2,001
Memoranda:
Average total assets$190,283,852,25019
Average earning assets$172,542,856,75019
Average equity$13,561,474,00023
Average total loans$119,884,043,25018
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3646%2,971
Cost of funding earning assets1.8403%688
Net interest margin2.5243%4,186
Noninterest income to average assets1.0400%529
Noninterest expense to average assets2.0417%3,487
Loan and lease loss provision to assets0.3200%285
Net operating income to assets0.7839%3,131
Return on assets (ROA)0.7859%3,133
Pretax return on assets0.9776%2,978
Return on Equity (ROE)11.0600%2,400
Retained earnings to average equity (ytd only)6.2918%2,514
Net charge-offs to loans0.1647%476
Credit loss provision to net charge-offs240.7218%973
Earnings coverage of net charge-offs (x)12.4647%1,938
Efficiency ratio60.6190%2,884
Assets per employee ($millions)10.4614%583
Cash dividends to net income (ytd only)*43.1080%1,576
Condition Ratios (%)
Loss allowance to loans1.2429%2,209
Loan loss allowance to noncurrent loans282.4251%2,216
Noncurrent assets plus other real estate owned to assets0.2869%1,772
Noncurrent loans to loans0.4401%1,623
Net loans and leases to total assets61.7400%2,599
Net loans and leases to deposits80.3224%1,949
Net loans and leases to core deposits86.4903%2,032
Total domestic deposits to total assets76.8700%3,963
Equity capital to assets7.1306%3,722
Core capital (leverage) ratio8.7155%3,994
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9076%2,328
Memoranda:
Average total assets$191,854,712,00019
Average earning assets$174,161,707,66719
Average equity$13,634,271,66724
Average total loans$120,967,791,66718
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1659%3,108
Cost of funding earning assets1.4969%852
Net interest margin2.6690%4,116
Noninterest income to average assets1.0300%549
Noninterest expense to average assets2.1228%3,325
Loan and lease loss provision to assets0.2900%299
Net operating income to assets0.8346%3,075
Return on assets (ROA)0.8373%3,019
Pretax return on assets1.0366%2,897
Return on Equity (ROE)11.8000%2,272
Retained earnings to average equity (ytd only)7.3831%2,397
Net charge-offs to loans0.1504%456
Credit loss provision to net charge-offs192.5689%844
Earnings coverage of net charge-offs (x)13.9111%1,577
Efficiency ratio61.0101%2,824
Assets per employee ($millions)10.5812%587
Cash dividends to net income (ytd only)*37.4419%1,527
Condition Ratios (%)
Loss allowance to loans1.1513%2,816
Loan loss allowance to noncurrent loans280.0158%2,287
Noncurrent assets plus other real estate owned to assets0.2677%1,802
Noncurrent loans to loans0.4111%1,700
Net loans and leases to total assets61.5800%2,505
Net loans and leases to deposits81.5459%1,699
Net loans and leases to core deposits87.2062%1,788
Total domestic deposits to total assets75.5100%4,189
Equity capital to assets7.2354%3,711
Core capital (leverage) ratio8.8408%3,861
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5817%2,542
Memoranda:
Average total assets$191,390,578,50021
Average earning assets$173,699,083,00021
Average equity$13,578,153,00026
Average total loans$121,190,141,50019
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2198%3,782
Cost of funding earning assets0.4321%1,846
Net interest margin2.7877%3,916
Noninterest income to average assets1.2400%444
Noninterest expense to average assets2.0713%3,382
Loan and lease loss provision to assets0.2700%333
Net operating income to assets1.1493%1,974
Return on assets (ROA)1.1530%1,903
Pretax return on assets1.4206%1,711
Return on Equity (ROE)14.8200%1,305
Retained earnings to average equity (ytd only)11.5099%776
Net charge-offs to loans0.1453%565
Credit loss provision to net charge-offs265.5032%973
Earnings coverage of net charge-offs (x)18.9473%1,921
Efficiency ratio54.4516%3,752
Assets per employee ($millions)10.1422%647
Cash dividends to net income (ytd only)*22.3163%2,794
Condition Ratios (%)
Loss allowance to loans1.1242%2,762
Loan loss allowance to noncurrent loans285.2077%2,248
Noncurrent assets plus other real estate owned to assets0.2654%1,832
Noncurrent loans to loans0.3942%1,737
Net loans and leases to total assets63.6700%2,272
Net loans and leases to deposits81.8084%1,632
Net loans and leases to core deposits84.3539%1,857
Total domestic deposits to total assets77.8200%4,109
Equity capital to assets6.9478%3,698
Core capital (leverage) ratio8.7768%3,899
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3908%2,614
Memoranda:
Average total assets$184,608,063,60020
Average earning assets$166,968,169,00020
Average equity$14,365,789,60027
Average total loans$113,228,679,80019
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9627%3,958
Cost of funding earning assets0.2495%2,714
Net interest margin2.7132%3,902
Noninterest income to average assets1.2600%462
Noninterest expense to average assets2.0484%3,356
Loan and lease loss provision to assets0.1700%564
Net operating income to assets1.2037%1,683
Return on assets (ROA)1.2078%1,647
Pretax return on assets1.4985%1,410
Return on Equity (ROE)15.1100%1,149
Retained earnings to average equity (ytd only)11.4798%924
Net charge-offs to loans0.1473%447
Credit loss provision to net charge-offs165.2045%1,079
Earnings coverage of net charge-offs (x)18.6790%1,747
Efficiency ratio54.4967%3,775
Assets per employee ($millions)10.1992%617
Cash dividends to net income (ytd only)*24.0156%2,302
Condition Ratios (%)
Loss allowance to loans0.9907%3,529
Loan loss allowance to noncurrent loans250.0428%2,421
Noncurrent assets plus other real estate owned to assets0.2601%1,920
Noncurrent loans to loans0.3962%1,821
Net loans and leases to total assets62.0800%2,277
Net loans and leases to deposits78.4871%1,675
Net loans and leases to core deposits80.2562%1,881
Total domestic deposits to total assets79.1000%4,171
Equity capital to assets6.7394%3,645
Core capital (leverage) ratio8.7145%3,857
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2031%2,749
Memoranda:
Average total assets$183,862,463,25020
Average earning assets$166,284,696,25020
Average equity$14,698,871,25028
Average total loans$111,337,998,25018
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7361%4,091
Cost of funding earning assets0.1361%3,759
Net interest margin2.6000%3,911
Noninterest income to average assets1.2643%444
Noninterest expense to average assets2.0298%3,352
Loan and lease loss provision to assets0.1401%686
Net operating income to assets1.1689%1,541
Return on assets (ROA)1.1737%1,503
Pretax return on assets1.4513%1,305
Return on Equity (ROE)13.9315%1,128
Retained earnings to average equity (ytd only)8.7304%1,366
Net charge-offs to loans0.1451%445
Credit loss provision to net charge-offs145.5155%1,106
Earnings coverage of net charge-offs (x)18.2789%1,584
Efficiency ratio55.4711%3,828
Assets per employee ($millions)10.0072%656
Cash dividends to net income (ytd only)*37.3331%1,823
Condition Ratios (%)
Loss allowance to loans0.9831%3,673
Loan loss allowance to noncurrent loans221.2648%2,535
Noncurrent assets plus other real estate owned to assets0.2856%1,870
Noncurrent loans to loans0.4443%1,790
Net loans and leases to total assets61.2276%2,196
Net loans and leases to deposits75.6791%1,709
Net loans and leases to core deposits75.9898%2,017
Total domestic deposits to total assets80.9043%4,138
Equity capital to assets7.6542%3,374
Core capital (leverage) ratio8.6036%3,849
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7235%2,878
Memoranda:
Average total assets$182,577,720,66720
Average earning assets$165,169,337,66721
Average equity$15,381,476,00027
Average total loans$109,215,414,66718
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6083%4,106
Cost of funding earning assets0.1131%3,971
Net interest margin2.4952%3,913
Noninterest income to average assets1.2767%437
Noninterest expense to average assets2.0171%3,391
Loan and lease loss provision to assets0.1822%419
Net operating income to assets1.1040%1,517
Return on assets (ROA)1.1059%1,502
Pretax return on assets1.3429%1,399
Return on Equity (ROE)12.5434%1,145
Retained earnings to average equity (ytd only)7.5448%1,720
Net charge-offs to loans0.1293%434
Credit loss provision to net charge-offs224.5284%744
Earnings coverage of net charge-offs (x)20.0332%1,280
Efficiency ratio56.3122%3,851
Assets per employee ($millions)10.0467%669
Cash dividends to net income (ytd only)*39.8502%1,504
Condition Ratios (%)
Loss allowance to loans1.0452%3,550
Loan loss allowance to noncurrent loans217.9565%2,501
Noncurrent assets plus other real estate owned to assets0.3002%1,917
Noncurrent loans to loans0.4796%1,828
Net loans and leases to total assets59.8437%2,087
Net loans and leases to deposits70.9681%1,869
Net loans and leases to core deposits71.3217%2,172
Total domestic deposits to total assets84.3248%3,700
Equity capital to assets8.3704%3,267
Core capital (leverage) ratio8.5844%3,778
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1386%2,859
Memoranda:
Average total assets$181,529,993,50020
Average earning assets$164,680,013,50022
Average equity$16,004,606,50027
Average total loans$106,726,274,50018
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6823%4,331
Cost of funding earning assets0.1302%4,155
Net interest margin2.5520%4,118
Noninterest income to average assets1.3895%568
Noninterest expense to average assets2.1334%3,291
Loan and lease loss provision to assets-0.2345%4,737
Net operating income to assets1.4535%1,127
Return on assets (ROA)1.4579%1,184
Pretax return on assets1.8170%879
Return on Equity (ROE)14.9810%952
Retained earnings to average equity (ytd only)3.8749%3,268
Net charge-offs to loans0.1804%537
Credit loss provision to net charge-offs-204.5224%3,518
Earnings coverage of net charge-offs (x)15.0957%2,009
Efficiency ratio56.6319%3,622
Assets per employee ($millions)10.6364%561
Cash dividends to net income (ytd only)*74.1349%620
Condition Ratios (%)
Loss allowance to loans1.0356%3,611
Loan loss allowance to noncurrent loans195.3192%2,624
Noncurrent assets plus other real estate owned to assets0.3153%1,974
Noncurrent loans to loans0.5302%1,803
Net loans and leases to total assets56.5624%2,528
Net loans and leases to deposits67.1044%2,394
Net loans and leases to core deposits67.7586%2,674
Total domestic deposits to total assets84.2900%3,480
Equity capital to assets9.2508%3,370
Core capital (leverage) ratio8.3654%4,052
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2126%2,835
Memoranda:
Average total assets$178,111,100,20018
Average earning assets$162,116,870,20018
Average equity$17,332,712,80021
Average total loans$103,289,921,00015
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6976%4,408
Cost of funding earning assets0.1342%4,236
Net interest margin2.5634%4,189
Noninterest income to average assets1.3538%649
Noninterest expense to average assets2.1154%3,316
Loan and lease loss provision to assets-0.3183%4,831
Net operating income to assets1.4921%1,289
Return on assets (ROA)1.5006%1,318
Pretax return on assets1.8968%955
Return on Equity (ROE)15.2243%1,104
Retained earnings to average equity (ytd only)2.3975%4,083
Net charge-offs to loans0.2158%382
Credit loss provision to net charge-offs-226.8573%3,424
Earnings coverage of net charge-offs (x)12.5003%1,955
Efficiency ratio56.5511%3,463
Assets per employee ($millions)11.0813%472
Cash dividends to net income (ytd only)*84.2522%333
Condition Ratios (%)
Loss allowance to loans1.1013%3,431
Loan loss allowance to noncurrent loans163.1629%2,819
Noncurrent assets plus other real estate owned to assets0.3839%1,906
Noncurrent loans to loans0.6749%1,629
Net loans and leases to total assets54.1019%2,960
Net loans and leases to deposits64.5419%2,790
Net loans and leases to core deposits65.1946%3,021
Total domestic deposits to total assets83.8244%3,501
Equity capital to assets9.3115%3,548
Core capital (leverage) ratio8.3023%4,213
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4526%2,873
Memoranda:
Average total assets$176,644,448,25017
Average earning assets$160,667,849,50018
Average equity$17,411,050,75021
Average total loans$102,824,642,50015
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7387%4,417
Cost of funding earning assets0.1392%4,285
Net interest margin2.5995%4,170
Noninterest income to average assets1.3441%655
Noninterest expense to average assets2.1326%3,294
Loan and lease loss provision to assets-0.3614%4,866
Net operating income to assets1.5320%1,211
Return on assets (ROA)1.5424%1,249
Pretax return on assets1.9465%928
Return on Equity (ROE)15.3480%1,078
Retained earnings to average equity (ytd only)5.3384%3,055
Net charge-offs to loans0.2650%333
Credit loss provision to net charge-offs-197.2922%3,197
Earnings coverage of net charge-offs (x)9.9933%1,817
Efficiency ratio56.6695%3,451
Assets per employee ($millions)10.1116%588
Cash dividends to net income (ytd only)*65.2174%796
Condition Ratios (%)
Loss allowance to loans1.2141%2,851
Loan loss allowance to noncurrent loans153.4082%2,839
Noncurrent assets plus other real estate owned to assets0.4702%1,779
Noncurrent loans to loans0.7914%1,539
Net loans and leases to total assets56.8113%2,801
Net loans and leases to deposits68.2557%2,594
Net loans and leases to core deposits68.9986%2,862
Total domestic deposits to total assets83.2331%3,657
Equity capital to assets9.8010%3,058
Core capital (leverage) ratio8.5500%3,936
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8696%2,757
Memoranda:
Average total assets$173,972,778,66718
Average earning assets$158,144,323,33318
Average equity$17,483,219,33321
Average total loans$103,427,302,66714
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7800%4,392
Cost of funding earning assets0.1459%4,334
Net interest margin2.6342%4,090
Noninterest income to average assets1.3804%689
Noninterest expense to average assets2.1583%3,242
Loan and lease loss provision to assets-0.2176%4,824
Net operating income to assets1.4578%1,428
Return on assets (ROA)1.4690%1,461
Pretax return on assets1.8443%1,206
Return on Equity (ROE)14.4312%1,343
Retained earnings to average equity (ytd only)5.8382%2,951
Net charge-offs to loans0.4396%186
Credit loss provision to net charge-offs-65.8201%2,787
Earnings coverage of net charge-offs (x)6.0775%1,656
Efficiency ratio56.3381%3,508
Assets per employee ($millions)10.0166%587
Cash dividends to net income (ytd only)*59.5444%898
Condition Ratios (%)
Loss allowance to loans1.4155%1,891
Loan loss allowance to noncurrent loans166.9339%2,644
Noncurrent assets plus other real estate owned to assets0.5198%1,822
Noncurrent loans to loans0.8480%1,581
Net loans and leases to total assets58.8637%2,696
Net loans and leases to deposits70.6385%2,444
Net loans and leases to core deposits71.5210%2,744
Total domestic deposits to total assets83.3309%3,608
Equity capital to assets9.9230%2,774
Core capital (leverage) ratio8.7810%3,834
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1878%2,595
Memoranda:
Average total assets$171,491,325,00019
Average earning assets$155,806,743,50018
Average equity$17,456,094,50020
Average total loans$103,688,382,50014
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2024%4,449
Cost of funding earning assets0.3547%3,848
Net interest margin2.8477%4,192
Noninterest income to average assets1.3125%670
Noninterest expense to average assets2.2286%3,601
Loan and lease loss provision to assets0.6335%293
Net operating income to assets0.8713%2,825
Return on assets (ROA)0.8820%2,912
Pretax return on assets1.0343%2,930
Return on Equity (ROE)8.1758%2,747
Retained earnings to average equity (ytd only)0.9889%4,234
Net charge-offs to loans0.4262%393
Credit loss provision to net charge-offs217.4181%2,082
Earnings coverage of net charge-offs (x)6.0142%2,818
Efficiency ratio56.3876%3,935
Assets per employee ($millions)9.7420%576
Cash dividends to net income (ytd only)*87.9041%454
Condition Ratios (%)
Loss allowance to loans1.6069%1,281
Loan loss allowance to noncurrent loans181.0059%2,513
Noncurrent assets plus other real estate owned to assets0.6103%1,729
Noncurrent loans to loans0.8878%1,589
Net loans and leases to total assets60.2550%2,830
Net loans and leases to deposits73.1332%2,576
Net loans and leases to core deposits74.0552%2,911
Total domestic deposits to total assets82.3908%3,568
Equity capital to assets10.4426%2,721
Core capital (leverage) ratio8.8049%3,896
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0870%2,596
Memoranda:
Average total assets$161,227,481,20019
Average earning assets$145,663,926,40019
Average equity$17,392,956,00020
Average total loans$104,196,035,00013
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2852%4,490
Cost of funding earning assets0.4205%3,700
Net interest margin2.8646%4,242
Noninterest income to average assets1.2563%690
Noninterest expense to average assets2.1761%3,739
Loan and lease loss provision to assets0.8374%203
Net operating income to assets0.7259%3,367
Return on assets (ROA)0.7346%3,441
Pretax return on assets0.8378%3,550
Return on Equity (ROE)6.7521%3,290
Retained earnings to average equity (ytd only)-0.7492%4,587
Net charge-offs to loans0.3944%404
Credit loss provision to net charge-offs302.4101%1,749
Earnings coverage of net charge-offs (x)6.4471%2,648
Efficiency ratio55.6130%3,970
Assets per employee ($millions)9.9320%516
Cash dividends to net income (ytd only)*111.0966%222
Condition Ratios (%)
Loss allowance to loans1.6788%925
Loan loss allowance to noncurrent loans182.9026%2,366
Noncurrent assets plus other real estate owned to assets0.6431%1,807
Noncurrent loans to loans0.9179%1,623
Net loans and leases to total assets61.4155%3,075
Net loans and leases to deposits73.7625%2,982
Net loans and leases to core deposits74.6946%3,264
Total domestic deposits to total assets83.2611%3,075
Equity capital to assets10.3634%2,908
Core capital (leverage) ratio8.6518%4,131
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0117%2,607
Memoranda:
Average total assets$159,290,699,75019
Average earning assets$143,791,811,25019
Average equity$17,329,857,50019
Average total loans$104,375,424,75013
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4509%4,480
Cost of funding earning assets0.5167%3,431
Net interest margin2.9342%4,253
Noninterest income to average assets1.2169%676
Noninterest expense to average assets2.1729%3,869
Loan and lease loss provision to assets1.0775%181
Net operating income to assets0.5609%3,859
Return on assets (ROA)0.5698%3,911
Pretax return on assets0.6219%4,017
Return on Equity (ROE)5.1496%3,790
Retained earnings to average equity (ytd only)-2.0887%4,598
Net charge-offs to loans0.3505%457
Credit loss provision to net charge-offs430.4571%1,342
Earnings coverage of net charge-offs (x)7.2376%2,381
Efficiency ratio55.1671%4,045
Assets per employee ($millions)10.0399%493
Cash dividends to net income (ytd only)*140.5603%233
Condition Ratios (%)
Loss allowance to loans1.6072%992
Loan loss allowance to noncurrent loans188.6466%2,237
Noncurrent assets plus other real estate owned to assets0.6222%1,954
Noncurrent loans to loans0.8519%1,786
Net loans and leases to total assets63.1284%2,991
Net loans and leases to deposits76.4491%2,810
Net loans and leases to core deposits77.7759%3,131
Total domestic deposits to total assets82.5758%3,211
Equity capital to assets10.2979%2,927
Core capital (leverage) ratio8.8062%4,110
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7188%2,724
Memoranda:
Average total assets$156,063,050,00019
Average earning assets$140,741,211,00019
Average equity$17,269,335,33319
Average total loans$103,984,550,00013
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7039%4,388
Cost of funding earning assets0.6814%3,008
Net interest margin3.0225%4,244
Noninterest income to average assets1.0381%790
Noninterest expense to average assets2.1796%4,064
Loan and lease loss provision to assets0.9617%224
Net operating income to assets0.5637%3,698
Return on assets (ROA)0.5754%3,735
Pretax return on assets0.6275%3,875
Return on Equity (ROE)5.0020%3,630
Retained earnings to average equity (ytd only)-4.3215%4,465
Net charge-offs to loans0.3349%432
Credit loss provision to net charge-offs399.0139%1,013
Earnings coverage of net charge-offs (x)6.9197%1,959
Efficiency ratio56.8522%4,129
Assets per employee ($millions)9.3140%475
Cash dividends to net income (ytd only)*186.3950%344
Condition Ratios (%)
Loss allowance to loans1.3210%2,048
Loan loss allowance to noncurrent loans162.0038%2,411
Noncurrent assets plus other real estate owned to assets0.6450%2,069
Noncurrent loans to loans0.8154%1,974
Net loans and leases to total assets67.5896%2,600
Net loans and leases to deposits87.1988%1,841
Net loans and leases to core deposits89.3153%2,415
Total domestic deposits to total assets77.5121%4,293
Equity capital to assets11.1954%2,684
Core capital (leverage) ratio9.8045%3,644
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0971%3,071
Memoranda:
Average total assets$149,191,888,00019
Average earning assets$134,167,760,50019
Average equity$17,160,840,50017
Average total loans$101,503,613,00014
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0811%4,083
Cost of funding earning assets0.8986%2,195
Net interest margin3.1825%4,225
Noninterest income to average assets1.3788%506
Noninterest expense to average assets2.3583%3,811
Loan and lease loss provision to assets0.3064%539
Net operating income to assets1.3187%1,622
Return on assets (ROA)1.3379%1,626
Pretax return on assets1.5953%1,496
Return on Equity (ROE)11.6208%1,647
Retained earnings to average equity (ytd only)4.2508%2,833
Net charge-offs to loans0.4520%415
Credit loss provision to net charge-offs102.1595%2,425
Earnings coverage of net charge-offs (x)6.2686%2,988
Efficiency ratio54.2470%4,398
Assets per employee ($millions)8.6494%560
Cash dividends to net income (ytd only)*63.4207%1,418
Condition Ratios (%)
Loss allowance to loans0.9396%3,782
Loan loss allowance to noncurrent loans110.3602%3,115
Noncurrent assets plus other real estate owned to assets0.6129%2,056
Noncurrent loans to loans0.8514%1,810
Net loans and leases to total assets66.9051%2,847
Net loans and leases to deposits82.8348%2,466
Net loans and leases to core deposits85.3491%2,842
Total domestic deposits to total assets80.7691%3,816
Equity capital to assets11.8345%2,254
Core capital (leverage) ratio9.9093%3,613
Tier 1 risk-based capital ratio10.9585%4,873
Total risk-based capital ratio12.6867%4,535
Memoranda:
Average total assets$141,895,937,60019
Average earning assets$127,498,471,20019
Average equity$16,336,465,60019
Average total loans$94,145,316,20015
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1194%4,110
Cost of funding earning assets0.9274%2,098
Net interest margin3.1920%4,312
Noninterest income to average assets1.3583%501
Noninterest expense to average assets2.3686%3,768
Loan and lease loss provision to assets0.3095%468
Net operating income to assets1.2669%1,962
Return on assets (ROA)1.2857%1,990
Pretax return on assets1.5685%1,745
Return on Equity (ROE)11.2471%1,912
Retained earnings to average equity (ytd only)3.5909%3,604
Net charge-offs to loans0.4638%365
Credit loss provision to net charge-offs101.0550%2,230
Earnings coverage of net charge-offs (x)6.0613%2,866
Efficiency ratio54.5926%4,322
Assets per employee ($millions)8.7809%523
Cash dividends to net income (ytd only)*68.0724%1,016
Condition Ratios (%)
Loss allowance to loans0.9487%3,833
Loan loss allowance to noncurrent loans115.3556%3,081
Noncurrent assets plus other real estate owned to assets0.5809%2,265
Noncurrent loans to loans0.8224%1,919
Net loans and leases to total assets64.9999%3,177
Net loans and leases to deposits81.2599%2,769
Net loans and leases to core deposits83.9836%3,093
Total domestic deposits to total assets79.9893%3,994
Equity capital to assets11.6082%2,593
Core capital (leverage) ratio9.8047%3,850
Tier 1 risk-based capital ratio10.8765%4,960
Total risk-based capital ratio12.6193%4,634
Memoranda:
Average total assets$141,522,354,75019
Average earning assets$127,104,091,50020
Average equity$16,178,215,00021
Average total loans$93,470,325,00016
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1518%4,044
Cost of funding earning assets0.9256%2,027
Net interest margin3.2262%4,299
Noninterest income to average assets1.4019%442
Noninterest expense to average assets2.4993%3,483
Loan and lease loss provision to assets0.1837%970
Net operating income to assets1.3157%1,718
Return on assets (ROA)1.3223%1,745
Pretax return on assets1.6241%1,472
Return on Equity (ROE)11.6288%1,727
Retained earnings to average equity (ytd only)1.5995%4,248
Net charge-offs to loans0.2745%618
Credit loss provision to net charge-offs101.0998%1,945
Earnings coverage of net charge-offs (x)9.9096%2,308
Efficiency ratio56.7469%4,160
Assets per employee ($millions)8.2765%608
Cash dividends to net income (ytd only)*86.2456%693
Condition Ratios (%)
Loss allowance to loans0.9530%3,868
Loan loss allowance to noncurrent loans127.7594%2,918
Noncurrent assets plus other real estate owned to assets0.5362%2,407
Noncurrent loans to loans0.7459%2,122
Net loans and leases to total assets65.5591%3,162
Net loans and leases to deposits82.3266%2,692
Net loans and leases to core deposits85.7834%2,977
Total domestic deposits to total assets79.6327%4,110
Equity capital to assets11.5413%2,577
Core capital (leverage) ratio9.7498%3,885
Tier 1 risk-based capital ratio10.7985%4,993
Total risk-based capital ratio12.5537%4,678
Memoranda:
Average total assets$140,301,935,00020
Average earning assets$126,042,039,00020
Average equity$15,953,229,67020
Average total loans$92,869,411,00016
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1517%3,999
Cost of funding earning assets0.9028%1,983
Net interest margin3.2490%4,282
Noninterest income to average assets1.3510%471
Noninterest expense to average assets2.4608%3,605
Loan and lease loss provision to assets0.1657%1,016
Net operating income to assets1.3297%1,599
Return on assets (ROA)1.3362%1,613
Pretax return on assets1.6538%1,330
Return on Equity (ROE)11.8431%1,595
Retained earnings to average equity (ytd only)-1.5541%4,712
Net charge-offs to loans0.2635%557
Credit loss provision to net charge-offs95.0091%1,670
Earnings coverage of net charge-offs (x)10.3928%1,965
Efficiency ratio56.2150%4,303
Assets per employee ($millions)7.9935%671
Cash dividends to net income (ytd only)*113.1227%506
Condition Ratios (%)
Loss allowance to loans0.9735%3,853
Loan loss allowance to noncurrent loans120.7654%3,055
Noncurrent assets plus other real estate owned to assets0.5712%2,357
Noncurrent loans to loans0.8061%2,023
Net loans and leases to total assets65.1913%3,149
Net loans and leases to deposits81.6013%2,651
Net loans and leases to core deposits85.3202%2,928
Total domestic deposits to total assets79.8897%4,191
Equity capital to assets11.2922%2,567
Core capital (leverage) ratio9.8557%3,757
Tier 1 risk-based capital ratio11.0304%4,962
Total risk-based capital ratio12.8230%4,588
Memoranda:
Average total assets$138,927,249,00020
Average earning assets$124,953,446,50020
Average equity$15,674,820,50023
Average total loans$91,961,337,50017
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9496%4,170
Cost of funding earning assets0.6574%2,339
Net interest margin3.2922%4,273
Noninterest income to average assets1.6015%369
Noninterest expense to average assets2.5894%3,368
Loan and lease loss provision to assets0.1761%1,121
Net operating income to assets1.4962%1,130
Return on assets (ROA)1.5011%1,101
Pretax return on assets1.8018%911
Return on Equity (ROE)13.4468%1,194
Retained earnings to average equity (ytd only)2.4413%4,168
Net charge-offs to loans0.2683%717
Credit loss provision to net charge-offs98.5069%2,588
Earnings coverage of net charge-offs (x)11.0338%2,663
Efficiency ratio55.3375%4,481
Assets per employee ($millions)7.7790%714
Cash dividends to net income (ytd only)*81.8447%641
Condition Ratios (%)
Loss allowance to loans0.9773%3,825
Loan loss allowance to noncurrent loans123.5693%3,068
Noncurrent assets plus other real estate owned to assets0.5584%2,375
Noncurrent loans to loans0.7909%2,028
Net loans and leases to total assets65.9101%3,147
Net loans and leases to deposits82.0588%2,720
Net loans and leases to core deposits85.8117%2,931
Total domestic deposits to total assets80.3203%4,034
Equity capital to assets11.2732%2,448
Core capital (leverage) ratio9.9266%3,670
Tier 1 risk-based capital ratio11.1577%4,888
Total risk-based capital ratio12.6843%4,664
Memoranda:
Average total assets$136,338,300,80019
Average earning assets$122,615,474,20020
Average equity$15,219,620,80024
Average total loans$90,871,326,40016
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8780%4,261
Cost of funding earning assets0.6083%2,415
Net interest margin3.2697%4,359
Noninterest income to average assets1.6159%375
Noninterest expense to average assets2.5874%3,325
Loan and lease loss provision to assets0.1807%1,004
Net operating income to assets1.4785%1,251
Return on assets (ROA)1.4836%1,237
Pretax return on assets1.7928%1,027
Return on Equity (ROE)13.3238%1,319
Retained earnings to average equity (ytd only)3.1936%4,147
Net charge-offs to loans0.2674%621
Credit loss provision to net charge-offs101.3756%2,236
Earnings coverage of net charge-offs (x)11.0420%2,546
Efficiency ratio55.3375%4,467
Assets per employee ($millions)7.6471%729
Cash dividends to net income (ytd only)*76.0308%669
Condition Ratios (%)
Loss allowance to loans0.9797%3,894
Loan loss allowance to noncurrent loans111.0974%3,270
Noncurrent assets plus other real estate owned to assets0.6204%2,324
Noncurrent loans to loans0.8819%1,935
Net loans and leases to total assets66.5151%3,121
Net loans and leases to deposits83.5053%2,655
Net loans and leases to core deposits88.0671%2,839
Total domestic deposits to total assets79.6529%4,183
Equity capital to assets11.0871%2,588
Core capital (leverage) ratio10.0859%3,541
Tier 1 risk-based capital ratio11.2223%4,938
Total risk-based capital ratio12.7618%4,672
Memoranda:
Average total assets$135,928,750,25019
Average earning assets$122,220,528,25020
Average equity$15,135,931,50024
Average total loans$90,629,659,75016
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8138%4,311
Cost of funding earning assets0.5693%2,438
Net interest margin3.2444%4,393
Noninterest income to average assets1.6751%362
Noninterest expense to average assets2.6147%3,287
Loan and lease loss provision to assets0.1827%979
Net operating income to assets1.4836%1,193
Return on assets (ROA)1.4903%1,181
Pretax return on assets1.8012%960
Return on Equity (ROE)13.3642%1,248
Retained earnings to average equity (ytd only)3.4446%3,856
Net charge-offs to loans0.2602%617
Credit loss provision to net charge-offs105.5749%1,943
Earnings coverage of net charge-offs (x)11.4271%2,274
Efficiency ratio55.4511%4,542
Assets per employee ($millions)7.3463%811
Cash dividends to net income (ytd only)*74.2249%868
Condition Ratios (%)
Loss allowance to loans0.9934%3,887
Loan loss allowance to noncurrent loans122.3279%3,106
Noncurrent assets plus other real estate owned to assets0.5707%2,518
Noncurrent loans to loans0.8121%2,102
Net loans and leases to total assets66.1562%3,126
Net loans and leases to deposits83.4528%2,595
Net loans and leases to core deposits87.5783%2,764
Total domestic deposits to total assets79.2732%4,378
Equity capital to assets11.1487%2,506
Core capital (leverage) ratio10.0213%3,554
Tier 1 risk-based capital ratio11.2648%4,915
Total risk-based capital ratio12.8260%4,634
Memoranda:
Average total assets$135,603,248,33018
Average earning assets$121,906,622,67020
Average equity$15,121,635,00024
Average total loans$90,184,984,33016
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7058%4,458
Cost of funding earning assets0.5267%2,576
Net interest margin3.1791%4,532
Noninterest income to average assets1.5715%396
Noninterest expense to average assets2.6508%3,191
Loan and lease loss provision to assets0.1690%1,052
Net operating income to assets1.3538%1,468
Return on assets (ROA)1.3584%1,468
Pretax return on assets1.6137%1,353
Return on Equity (ROE)12.1803%1,515
Retained earnings to average equity (ytd only)2.2524%4,268
Net charge-offs to loans0.2474%621
Credit loss provision to net charge-offs102.9537%1,514
Earnings coverage of net charge-offs (x)10.8329%1,883
Efficiency ratio58.2917%4,304
Assets per employee ($millions)7.1871%892
Cash dividends to net income (ytd only)*81.5076%811
Condition Ratios (%)
Loss allowance to loans0.9865%4,040
Loan loss allowance to noncurrent loans125.3366%3,052
Noncurrent assets plus other real estate owned to assets0.5565%2,665
Noncurrent loans to loans0.7871%2,243
Net loans and leases to total assets66.5964%2,953
Net loans and leases to deposits84.0792%2,383
Net loans and leases to core deposits88.0856%2,625
Total domestic deposits to total assets79.2065%4,546
Equity capital to assets11.1317%2,450
Core capital (leverage) ratio9.9493%3,588
Tier 1 risk-based capital ratio11.1148%5,077
Total risk-based capital ratio12.6827%4,794
Memoranda:
Average total assets$135,473,437,00019
Average earning assets$121,761,888,50020
Average equity$15,108,963,50024
Average total loans$89,885,693,50016
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6124%4,545
Cost of funding earning assets0.4129%3,126
Net interest margin3.1995%4,448
Noninterest income to average assets1.5709%425
Noninterest expense to average assets2.7254%3,045
Loan and lease loss provision to assets0.1693%1,297
Net operating income to assets1.0523%2,042
Return on assets (ROA)1.0585%2,044
Pretax return on assets1.5598%1,418
Return on Equity (ROE)9.4812%2,103
Retained earnings to average equity (ytd only)4.4738%2,465
Net charge-offs to loans0.2534%1,034
Credit loss provision to net charge-offs100.5927%2,547
Earnings coverage of net charge-offs (x)10.2371%2,701
Efficiency ratio59.7154%4,302
Assets per employee ($millions)7.0436%952
Cash dividends to net income (ytd only)*52.8136%2,135
Condition Ratios (%)
Loss allowance to loans1.0057%3,904
Loan loss allowance to noncurrent loans131.8980%3,049
Noncurrent assets plus other real estate owned to assets0.5311%2,784
Noncurrent loans to loans0.7625%2,296
Net loans and leases to total assets64.7844%3,260
Net loans and leases to deposits81.7110%2,750
Net loans and leases to core deposits85.3134%2,959
Total domestic deposits to total assets79.2844%4,485
Equity capital to assets11.1736%2,458
Core capital (leverage) ratio9.9072%3,573
Tier 1 risk-based capital ratio11.2692%5,003
Total risk-based capital ratio12.8566%4,672
Memoranda:
Average total assets$134,156,628,40018
Average earning assets$120,638,614,80018
Average equity$14,977,943,60022
Average total loans$89,100,361,40016
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6031%4,548
Cost of funding earning assets0.3888%3,298
Net interest margin3.2143%4,413
Noninterest income to average assets1.5639%446
Noninterest expense to average assets2.6814%3,124
Loan and lease loss provision to assets0.1779%1,127
Net operating income to assets1.1433%1,904
Return on assets (ROA)1.1498%1,932
Pretax return on assets1.6026%1,410
Return on Equity (ROE)10.3011%1,986
Retained earnings to average equity (ytd only)5.8359%2,351
Net charge-offs to loans0.2547%853
Credit loss provision to net charge-offs104.8050%2,208
Earnings coverage of net charge-offs (x)10.4469%2,591
Efficiency ratio58.6580%4,407
Assets per employee ($millions)7.1575%889
Cash dividends to net income (ytd only)*43.3463%2,109
Condition Ratios (%)
Loss allowance to loans1.0066%4,014
Loan loss allowance to noncurrent loans125.9389%3,132
Noncurrent assets plus other real estate owned to assets0.5680%2,824
Noncurrent loans to loans0.7993%2,358
Net loans and leases to total assets65.5217%3,174
Net loans and leases to deposits83.5375%2,609
Net loans and leases to core deposits87.1896%2,858
Total domestic deposits to total assets78.4337%4,640
Equity capital to assets11.3264%2,552
Core capital (leverage) ratio9.9316%3,648
Tier 1 risk-based capital ratio11.2730%5,095
Total risk-based capital ratio12.8732%4,761
Memoranda:
Average total assets$133,756,175,75018
Average earning assets$120,312,438,25018
Average equity$14,930,151,25022
Average total loans$89,164,515,75015
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5830%4,555
Cost of funding earning assets0.3645%3,435
Net interest margin3.2186%4,355
Noninterest income to average assets1.5955%438
Noninterest expense to average assets2.6976%3,096
Loan and lease loss provision to assets0.2044%889
Net operating income to assets1.1490%1,779
Return on assets (ROA)1.1580%1,793
Pretax return on assets1.5981%1,350
Return on Equity (ROE)10.4258%1,873
Retained earnings to average equity (ytd only)7.0513%1,574
Net charge-offs to loans0.2925%698
Credit loss provision to net charge-offs104.5900%1,956
Earnings coverage of net charge-offs (x)9.1755%2,458
Efficiency ratio58.6151%4,515
Assets per employee ($millions)7.0229%922
Cash dividends to net income (ytd only)*32.3672%2,688
Condition Ratios (%)
Loss allowance to loans0.9935%4,185
Loan loss allowance to noncurrent loans125.5183%3,135
Noncurrent assets plus other real estate owned to assets0.5789%2,830
Noncurrent loans to loans0.7916%2,424
Net loans and leases to total assets66.4975%3,030
Net loans and leases to deposits84.3051%2,435
Net loans and leases to core deposits88.0183%2,697
Total domestic deposits to total assets78.8769%4,644
Equity capital to assets11.3305%2,467
Core capital (leverage) ratio9.9480%3,598
Tier 1 risk-based capital ratio11.1203%5,191
Total risk-based capital ratio12.7064%4,879
Memoranda:
Average total assets$133,401,925,67018
Average earning assets$120,001,159,67018
Average equity$14,816,811,33022
Average total loans$89,141,384,67015
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4729%4,770
Cost of funding earning assets0.3501%3,531
Net interest margin3.1228%4,594
Noninterest income to average assets1.5018%482
Noninterest expense to average assets2.7008%3,137
Loan and lease loss provision to assets0.2106%773
Net operating income to assets1.0057%2,279
Return on assets (ROA)1.0093%2,317
Pretax return on assets1.4055%1,876
Return on Equity (ROE)9.1796%2,325
Retained earnings to average equity (ytd only)5.7687%2,458
Net charge-offs to loans0.2800%648
Credit loss provision to net charge-offs112.8493%1,460
Earnings coverage of net charge-offs (x)8.6360%2,045
Efficiency ratio61.1003%4,300
Assets per employee ($millions)7.0235%947
Cash dividends to net income (ytd only)*37.1572%2,104
Condition Ratios (%)
Loss allowance to loans1.0028%4,259
Loan loss allowance to noncurrent loans121.1646%3,254
Noncurrent assets plus other real estate owned to assets0.6060%2,825
Noncurrent loans to loans0.8277%2,384
Net loans and leases to total assets66.6171%2,880
Net loans and leases to deposits82.6866%2,436
Net loans and leases to core deposits85.9352%2,719
Total domestic deposits to total assets80.5655%4,507
Equity capital to assets11.1527%2,474
Core capital (leverage) ratio9.7286%3,837
Tier 1 risk-based capital ratio11.0208%5,300
Total risk-based capital ratio12.6399%4,996
Memoranda:
Average total assets$133,325,277,50018
Average earning assets$119,993,548,00018
Average equity$14,658,970,00022
Average total loans$88,861,045,00015
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7067%5,688
Cost of funding earning assets0.2609%4,454
Net interest margin2.4459%5,612
Noninterest income to average assets1.2765%697
Noninterest expense to average assets2.4528%4,156
Loan and lease loss provision to assets0.1973%1,181
Net operating income to assets0.6494%4,003
Return on assets (ROA)0.6502%4,116
Pretax return on assets0.8232%4,118
Return on Equity (ROE)6.0272%3,966
Retained earnings to average equity (ytd only)1.7476%4,531
Net charge-offs to loans0.2526%1,095
Credit loss provision to net charge-offs120.4177%2,202
Earnings coverage of net charge-offs (x)6.2248%3,213
Efficiency ratio69.5364%2,987
Assets per employee ($millions)7.0788%889
Cash dividends to net income (ytd only)*71.0041%1,274
Condition Ratios (%)
Loss allowance to loans0.9944%4,367
Loan loss allowance to noncurrent loans113.6632%3,365
Noncurrent assets plus other real estate owned to assets0.6293%2,834
Noncurrent loans to loans0.8749%2,350
Net loans and leases to total assets65.3611%3,166
Net loans and leases to deposits81.7298%2,701
Net loans and leases to core deposits84.7129%2,954
Total domestic deposits to total assets79.9718%4,581
Equity capital to assets10.8395%2,773
Core capital (leverage) ratio9.4612%4,138
Tier 1 risk-based capital ratio10.7560%5,460
Total risk-based capital ratio12.3579%5,166
Memoranda:
Average total assets$135,384,514,60018
Average earning assets$121,557,370,20018
Average equity$14,604,249,60023
Average total loans$87,813,499,00014
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1232%5,448
Cost of funding earning assets0.3161%3,916
Net interest margin2.8071%5,349
Noninterest income to average assets1.5902%487
Noninterest expense to average assets2.7435%3,197
Loan and lease loss provision to assets0.2539%736
Net operating income to assets0.8476%3,167
Return on assets (ROA)0.8548%3,257
Pretax return on assets1.1182%3,155
Return on Equity (ROE)8.1841%2,918
Retained earnings to average equity (ytd only)1.6353%4,855
Net charge-offs to loans0.3022%760
Credit loss provision to net charge-offs128.6337%1,988
Earnings coverage of net charge-offs (x)6.9141%2,946
Efficiency ratio66.1494%3,565
Assets per employee ($millions)7.0401%879
Cash dividends to net income (ytd only)*80.0191%736
Condition Ratios (%)
Loss allowance to loans1.3298%2,532
Loan loss allowance to noncurrent loans138.0172%2,954
Noncurrent assets plus other real estate owned to assets0.6413%2,978
Noncurrent loans to loans0.9635%2,313
Net loans and leases to total assets63.6272%3,448
Net loans and leases to deposits80.5199%2,907
Net loans and leases to core deposits82.7737%3,226
Total domestic deposits to total assets79.0201%4,717
Equity capital to assets10.1884%3,929
Core capital (leverage) ratio9.4509%4,250
Tier 1 risk-based capital ratio10.5956%5,571
Total risk-based capital ratio12.7205%5,017
Memoranda:
Average total assets$97,457,625,50027
Average earning assets$87,427,411,50027
Average equity$10,179,642,50029
Average total loans$63,673,223,00022
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1394%5,506
Cost of funding earning assets0.3019%4,105
Net interest margin2.8375%5,368
Noninterest income to average assets1.5664%496
Noninterest expense to average assets2.6224%3,650
Loan and lease loss provision to assets0.3056%573
Net operating income to assets0.9082%2,821
Return on assets (ROA)0.9155%2,921
Pretax return on assets1.1851%2,843
Return on Equity (ROE)8.6899%2,641
Retained earnings to average equity (ytd only)1.2889%4,875
Net charge-offs to loans0.3147%752
Credit loss provision to net charge-offs147.9806%1,605
Earnings coverage of net charge-offs (x)7.1823%2,653
Efficiency ratio63.2150%4,151
Assets per employee ($millions)6.9134%906
Cash dividends to net income (ytd only)*85.1678%787
Condition Ratios (%)
Loss allowance to loans1.3602%2,485
Loan loss allowance to noncurrent loans123.9847%3,262
Noncurrent assets plus other real estate owned to assets0.7312%2,795
Noncurrent loans to loans1.0971%2,092
Net loans and leases to total assets63.9001%3,377
Net loans and leases to deposits80.9667%2,819
Net loans and leases to core deposits83.1351%3,154
Total domestic deposits to total assets78.9202%4,803
Equity capital to assets10.4191%3,717
Core capital (leverage) ratio9.6610%3,982
Tier 1 risk-based capital ratio10.8014%5,525
Total risk-based capital ratio12.9861%4,896
Memoranda:
Average total assets$96,188,540,67027
Average earning assets$86,085,018,00027
Average equity$10,133,758,67028
Average total loans$63,130,844,67022
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1819%5,509
Cost of funding earning assets0.2859%4,318
Net interest margin2.8960%5,324
Noninterest income to average assets1.5252%491
Noninterest expense to average assets2.6437%3,595
Loan and lease loss provision to assets0.3209%476
Net operating income to assets0.8813%2,846
Return on assets (ROA)0.8849%2,956
Pretax return on assets1.1537%2,876
Return on Equity (ROE)8.3513%2,737
Retained earnings to average equity (ytd only)-1.6128%5,347
Net charge-offs to loans0.3312%670
Credit loss provision to net charge-offs146.6678%1,291
Earnings coverage of net charge-offs (x)6.7227%2,217
Efficiency ratio63.5669%4,196
Assets per employee ($millions)6.9550%913
Cash dividends to net income (ytd only)*119.3124%536
Condition Ratios (%)
Loss allowance to loans1.3519%2,644
Loan loss allowance to noncurrent loans111.2484%3,402
Noncurrent assets plus other real estate owned to assets0.8111%2,660
Noncurrent loans to loans1.2152%1,992
Net loans and leases to total assets64.3336%3,202
Net loans and leases to deposits81.3305%2,625
Net loans and leases to core deposits83.3615%2,999
Total domestic deposits to total assets79.1006%4,945
Equity capital to assets10.4959%3,503
Core capital (leverage) ratio9.8190%3,751
Tier 1 risk-based capital ratio10.7937%5,610
Total risk-based capital ratio12.3217%5,374
Memoranda:
Average total assets$94,713,946,00027
Average earning assets$84,691,809,00027
Average equity$10,035,994,00028
Average total loans$62,584,935,50022
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1325%5,600
Cost of funding earning assets0.2524%4,758
Net interest margin2.8801%5,370
Noninterest income to average assets1.6418%479
Noninterest expense to average assets2.6487%3,760
Loan and lease loss provision to assets0.1563%1,499
Net operating income to assets1.0458%2,146
Return on assets (ROA)1.0469%2,223
Pretax return on assets1.4113%1,849
Return on Equity (ROE)9.6683%2,146
Retained earnings to average equity (ytd only)-0.3145%5,558
Net charge-offs to loans0.2666%1,134
Credit loss provision to net charge-offs87.8505%2,801
Earnings coverage of net charge-offs (x)8.8031%2,897
Efficiency ratio62.0537%4,593
Assets per employee ($millions)6.8370%948
Cash dividends to net income (ytd only)*103.2526%357
Condition Ratios (%)
Loss allowance to loans1.3225%2,785
Loan loss allowance to noncurrent loans176.1039%2,486
Noncurrent assets plus other real estate owned to assets0.5238%3,543
Noncurrent loans to loans0.7510%2,929
Net loans and leases to total assets66.0858%2,965
Net loans and leases to deposits83.3912%2,438
Net loans and leases to core deposits85.0109%2,880
Total domestic deposits to total assets79.2470%4,916
Equity capital to assets10.6999%3,140
Core capital (leverage) ratio9.8945%3,655
Tier 1 risk-based capital ratio10.8584%5,596
Total risk-based capital ratio12.3426%5,375
Memoranda:
Average total assets$92,507,996,00027
Average earning assets$82,654,459,80027
Average equity$10,017,230,00027
Average total loans$61,734,681,00021
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1080%5,698
Cost of funding earning assets0.2492%4,888
Net interest margin2.8588%5,478
Noninterest income to average assets1.5982%498
Noninterest expense to average assets2.6259%3,779
Loan and lease loss provision to assets0.1472%1,483
Net operating income to assets1.0283%2,339
Return on assets (ROA)1.0360%2,392
Pretax return on assets1.3891%2,060
Return on Equity (ROE)9.5389%2,299
Retained earnings to average equity (ytd only)-0.4282%5,680
Net charge-offs to loans0.2608%1,012
Credit loss provision to net charge-offs84.6384%2,539
Earnings coverage of net charge-offs (x)8.7911%2,768
Efficiency ratio62.3911%4,511
Assets per employee ($millions)6.8911%914
Cash dividends to net income (ytd only)*104.4888%318
Condition Ratios (%)
Loss allowance to loans1.2900%3,151
Loan loss allowance to noncurrent loans170.7647%2,565
Noncurrent assets plus other real estate owned to assets0.5427%3,674
Noncurrent loans to loans0.7554%3,074
Net loans and leases to total assets66.7929%2,880
Net loans and leases to deposits84.2878%2,374
Net loans and leases to core deposits86.1902%2,832
Total domestic deposits to total assets78.7838%5,032
Equity capital to assets10.8362%3,206
Core capital (leverage) ratio10.0033%3,621
Tier 1 risk-based capital ratio10.6777%5,811
Total risk-based capital ratio12.1720%5,610
Memoranda:
Average total assets$92,375,426,25026
Average earning assets$82,595,596,50027
Average equity$10,032,780,25027
Average total loans$61,591,074,25021
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0814%5,760
Cost of funding earning assets0.2386%5,069
Net interest margin2.8428%5,538
Noninterest income to average assets1.5617%528
Noninterest expense to average assets2.6252%3,833
Loan and lease loss provision to assets0.1438%1,504
Net operating income to assets0.9849%2,474
Return on assets (ROA)1.0030%2,480
Pretax return on assets1.3543%2,170
Return on Equity (ROE)9.2284%2,419
Retained earnings to average equity (ytd only)-0.7592%5,654
Net charge-offs to loans0.2369%1,092
Credit loss provision to net charge-offs91.5161%2,177
Earnings coverage of net charge-offs (x)9.4179%2,455
Efficiency ratio63.1036%4,502
Assets per employee ($millions)6.8550%885
Cash dividends to net income (ytd only)*108.2263%421
Condition Ratios (%)
Loss allowance to loans1.3367%3,043
Loan loss allowance to noncurrent loans161.2231%2,657
Noncurrent assets plus other real estate owned to assets0.5780%3,680
Noncurrent loans to loans0.8291%3,050
Net loans and leases to total assets65.2949%3,080
Net loans and leases to deposits82.6418%2,479
Net loans and leases to core deposits84.6345%2,918
Total domestic deposits to total assets78.4694%5,194
Equity capital to assets10.7933%3,114
Core capital (leverage) ratio10.0857%3,484
Tier 1 risk-based capital ratio10.9653%5,726
Total risk-based capital ratio12.4976%5,525
Memoranda:
Average total assets$92,118,230,67026
Average earning assets$82,415,013,00027
Average equity$10,012,505,00027
Average total loans$61,111,869,33021
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0520%5,840
Cost of funding earning assets0.2339%5,175
Net interest margin2.8180%5,607
Noninterest income to average assets1.4749%553
Noninterest expense to average assets2.5398%4,140
Loan and lease loss provision to assets0.1243%1,669
Net operating income to assets0.9955%2,290
Return on assets (ROA)1.0189%2,314
Pretax return on assets1.3536%2,058
Return on Equity (ROE)9.3416%2,292
Retained earnings to average equity (ytd only)-0.6306%5,493
Net charge-offs to loans0.2208%1,060
Credit loss provision to net charge-offs84.7811%1,787
Earnings coverage of net charge-offs (x)9.9164%1,974
Efficiency ratio62.6954%4,672
Assets per employee ($millions)6.8684%907
Cash dividends to net income (ytd only)*106.7505%615
Condition Ratios (%)
Loss allowance to loans1.3262%3,269
Loan loss allowance to noncurrent loans143.0827%2,898
Noncurrent assets plus other real estate owned to assets0.6581%3,521
Noncurrent loans to loans0.9269%2,927
Net loans and leases to total assets66.1923%2,738
Net loans and leases to deposits82.4391%2,282
Net loans and leases to core deposits84.3236%2,732
Total domestic deposits to total assets79.7760%5,100
Equity capital to assets10.9220%3,065
Core capital (leverage) ratio10.3147%3,202
Tier 1 risk-based capital ratio11.0048%5,810
Total risk-based capital ratio12.9268%5,356
Memoranda:
Average total assets$91,936,981,50026
Average earning assets$82,187,665,00026
Average equity$10,027,885,00027
Average total loans$61,066,131,00021
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1646%5,873
Cost of funding earning assets0.2406%5,418
Net interest margin2.9240%5,594
Noninterest income to average assets1.6307%476
Noninterest expense to average assets2.7496%3,678
Loan and lease loss provision to assets0.0656%3,191
Net operating income to assets1.0309%2,261
Return on assets (ROA)0.9901%2,507
Pretax return on assets1.3789%1,960
Return on Equity (ROE)9.0895%2,545
Retained earnings to average equity (ytd only)6.0074%1,926
Net charge-offs to loans0.2396%1,768
Credit loss provision to net charge-offs40.8533%3,660
Earnings coverage of net charge-offs (x)9.2500%2,774
Efficiency ratio63.9462%4,596
Assets per employee ($millions)6.9617%864
Cash dividends to net income (ytd only)*33.9084%3,179
Condition Ratios (%)
Loss allowance to loans1.3637%3,117
Loan loss allowance to noncurrent loans156.4262%2,721
Noncurrent assets plus other real estate owned to assets0.6026%3,785
Noncurrent loans to loans0.8718%3,134
Net loans and leases to total assets64.8625%3,073
Net loans and leases to deposits80.0540%2,706
Net loans and leases to core deposits82.0098%3,107
Total domestic deposits to total assets80.4069%4,907
Equity capital to assets10.8927%3,021
Core capital (leverage) ratio10.3823%3,074
Tier 1 risk-based capital ratio11.3939%5,723
Total risk-based capital ratio13.4881%5,111
Memoranda:
Average total assets$89,359,378,60026
Average earning assets$79,586,686,40025
Average equity$9,733,598,20027
Average total loans$59,884,262,00021
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1785%5,926
Cost of funding earning assets0.2451%5,454
Net interest margin2.9334%5,630
Noninterest income to average assets1.5870%507
Noninterest expense to average assets2.7253%3,730
Loan and lease loss provision to assets0.0556%3,259
Net operating income to assets1.0345%2,307
Return on assets (ROA)0.9767%2,631
Pretax return on assets1.3593%2,157
Return on Equity (ROE)8.9666%2,706
Retained earnings to average equity (ytd only)8.9666%1,018
Net charge-offs to loans0.2320%1,655
Credit loss provision to net charge-offs35.5957%3,362
Earnings coverage of net charge-offs (x)9.4259%2,674
Efficiency ratio63.8999%4,561
Assets per employee ($millions)6.4146%1,069
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.4083%3,134
Loan loss allowance to noncurrent loans168.8604%2,476
Noncurrent assets plus other real estate owned to assets0.5967%4,058
Noncurrent loans to loans0.8340%3,489
Net loans and leases to total assets66.8692%2,706
Net loans and leases to deposits82.7181%2,331
Net loans and leases to core deposits85.4293%2,729
Total domestic deposits to total assets80.1985%5,050
Equity capital to assets11.4155%2,562
Core capital (leverage) ratio10.4411%3,107
Tier 1 risk-based capital ratio11.6433%5,708
Total risk-based capital ratio13.8459%5,036
Memoranda:
Average total assets$88,753,595,00027
Average earning assets$79,001,265,00026
Average equity$9,667,605,25028
Average total loans$59,766,451,00022
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1537%6,001
Cost of funding earning assets0.2484%5,502
Net interest margin2.9053%5,727
Noninterest income to average assets1.5890%498
Noninterest expense to average assets2.7151%3,808
Loan and lease loss provision to assets0.0351%3,587
Net operating income to assets1.0501%2,119
Return on assets (ROA)1.0031%2,380
Pretax return on assets1.3760%1,985
Return on Equity (ROE)9.3554%2,436
Retained earnings to average equity (ytd only)9.3554%866
Net charge-offs to loans0.2215%1,708
Credit loss provision to net charge-offs23.5576%3,144
Earnings coverage of net charge-offs (x)9.7972%2,318
Efficiency ratio64.0168%4,684
Assets per employee ($millions)6.2759%1,122
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.4068%3,315
Loan loss allowance to noncurrent loans159.7060%2,581
Noncurrent assets plus other real estate owned to assets0.6206%4,112
Noncurrent loans to loans0.8809%3,496
Net loans and leases to total assets66.6248%2,652
Net loans and leases to deposits84.7117%1,961
Net loans and leases to core deposits87.8838%2,325
Total domestic deposits to total assets77.8592%5,662
Equity capital to assets11.0292%2,843
Core capital (leverage) ratio10.2358%3,285
Tier 1 risk-based capital ratio11.2532%5,933
Total risk-based capital ratio13.5126%5,300
Memoranda:
Average total assets$89,205,376,67026
Average earning assets$79,347,599,33026
Average equity$9,564,498,00028
Average total loans$59,929,509,00022
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1276%6,087
Cost of funding earning assets0.2471%5,609
Net interest margin2.8805%5,791
Noninterest income to average assets1.5370%503
Noninterest expense to average assets2.6921%3,953
Loan and lease loss provision to assets0.0243%3,519
Net operating income to assets0.9961%2,226
Return on assets (ROA)1.0229%2,184
Pretax return on assets1.4127%1,705
Return on Equity (ROE)9.6790%2,167
Retained earnings to average equity (ytd only)9.6790%1,055
Net charge-offs to loans0.1942%1,567
Credit loss provision to net charge-offs18.6486%2,520
Earnings coverage of net charge-offs (x)10.8419%1,827
Efficiency ratio64.5472%4,772
Assets per employee ($millions)6.2755%1,132
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4432%3,398
Loan loss allowance to noncurrent loans145.0457%2,717
Noncurrent assets plus other real estate owned to assets0.7103%3,985
Noncurrent loans to loans0.9950%3,429
Net loans and leases to total assets67.2344%2,353
Net loans and leases to deposits85.0369%1,719
Net loans and leases to core deposits88.1906%2,073
Total domestic deposits to total assets78.3724%5,772
Equity capital to assets10.8499%2,879
Core capital (leverage) ratio10.0915%3,438
Tier 1 risk-based capital ratio11.0798%6,122
Total risk-based capital ratio13.4080%5,465
Memoranda:
Average total assets$89,302,378,00026
Average earning assets$79,529,144,50026
Average equity$9,438,147,50028
Average total loans$59,819,368,50022
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2988%6,002
Cost of funding earning assets0.2774%5,783
Net interest margin3.0214%5,526
Noninterest income to average assets1.6831%508
Noninterest expense to average assets2.8407%3,568
Loan and lease loss provision to assets0.1470%2,453
Net operating income to assets1.0258%2,220
Return on assets (ROA)1.0781%2,091
Pretax return on assets1.4331%1,674
Return on Equity (ROE)10.1036%2,071
Retained earnings to average equity (ytd only)3.7228%3,569
Net charge-offs to loans0.3496%1,936
Credit loss provision to net charge-offs63.1401%3,471
Earnings coverage of net charge-offs (x)6.5622%3,037
Efficiency ratio63.8879%4,917
Assets per employee ($millions)6.1536%1,172
Cash dividends to net income (ytd only)*63.1531%1,620
Condition Ratios (%)
Loss allowance to loans1.4908%3,246
Loan loss allowance to noncurrent loans140.0994%2,810
Noncurrent assets plus other real estate owned to assets0.7343%4,047
Noncurrent loans to loans1.0641%3,384
Net loans and leases to total assets64.8018%2,905
Net loans and leases to deposits81.5649%2,243
Net loans and leases to core deposits84.2686%2,646
Total domestic deposits to total assets78.8287%5,683
Equity capital to assets10.2946%3,398
Core capital (leverage) ratio9.6888%4,001
Tier 1 risk-based capital ratio10.8348%6,249
Total risk-based capital ratio13.3285%5,506
Memoranda:
Average total assets$88,123,490,20026
Average earning assets$78,323,587,80026
Average equity$9,403,339,00028
Average total loans$58,694,532,20022
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3343%5,998
Cost of funding earning assets0.2879%5,827
Net interest margin3.0464%5,476
Noninterest income to average assets1.6724%537
Noninterest expense to average assets2.8414%3,517
Loan and lease loss provision to assets0.1695%2,141
Net operating income to assets1.0195%2,297
Return on assets (ROA)1.0973%2,090
Pretax return on assets1.4450%1,778
Return on Equity (ROE)10.1902%2,108
Retained earnings to average equity (ytd only)5.9469%2,447
Net charge-offs to loans0.3607%1,753
Credit loss provision to net charge-offs70.3421%3,064
Earnings coverage of net charge-offs (x)6.3763%2,986
Efficiency ratio63.7356%4,846
Assets per employee ($millions)6.0687%1,192
Cash dividends to net income (ytd only)*41.6404%2,225
Condition Ratios (%)
Loss allowance to loans1.5362%3,300
Loan loss allowance to noncurrent loans126.5737%2,888
Noncurrent assets plus other real estate owned to assets0.8496%3,993
Noncurrent loans to loans1.2137%3,392
Net loans and leases to total assets65.9160%2,657
Net loans and leases to deposits82.8026%2,029
Net loans and leases to core deposits85.6706%2,444
Total domestic deposits to total assets78.9176%5,755
Equity capital to assets10.7129%3,052
Core capital (leverage) ratio10.0502%3,602
Tier 1 risk-based capital ratio10.9930%6,287
Total risk-based capital ratio13.5829%5,491
Memoranda:
Average total assets$87,544,421,00025
Average earning assets$77,756,042,25026
Average equity$9,426,562,00028
Average total loans$58,494,778,00022
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3689%5,971
Cost of funding earning assets0.2983%5,840
Net interest margin3.0705%5,365
Noninterest income to average assets1.6250%606
Noninterest expense to average assets2.8617%3,469
Loan and lease loss provision to assets0.1889%2,003
Net operating income to assets0.9418%2,607
Return on assets (ROA)0.9648%2,638
Pretax return on assets1.3214%2,226
Return on Equity (ROE)8.9451%2,632
Retained earnings to average equity (ytd only)8.9451%1,143
Net charge-offs to loans0.3864%1,672
Credit loss provision to net charge-offs73.2109%2,759
Earnings coverage of net charge-offs (x)5.7644%2,834
Efficiency ratio64.6087%4,775
Assets per employee ($millions)5.8492%1,306
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.5685%3,282
Loan loss allowance to noncurrent loans113.8823%3,138
Noncurrent assets plus other real estate owned to assets0.9560%3,869
Noncurrent loans to loans1.3773%3,244
Net loans and leases to total assets65.1464%2,738
Net loans and leases to deposits83.4151%1,879
Net loans and leases to core deposits87.9050%2,118
Total domestic deposits to total assets76.2215%6,229
Equity capital to assets10.7703%2,975
Core capital (leverage) ratio10.0089%3,502
Tier 1 risk-based capital ratio11.0467%6,312
Total risk-based capital ratio13.9188%5,322
Memoranda:
Average total assets$87,361,625,00025
Average earning assets$77,501,496,67026
Average equity$9,422,992,67028
Average total loans$58,335,311,67022
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4151%5,909
Cost of funding earning assets0.3113%5,883
Net interest margin3.1038%5,250
Noninterest income to average assets1.6315%583
Noninterest expense to average assets2.8608%3,502
Loan and lease loss provision to assets0.2528%1,419
Net operating income to assets0.9244%2,545
Return on assets (ROA)0.9429%2,606
Pretax return on assets1.2822%2,288
Return on Equity (ROE)8.7353%2,607
Retained earnings to average equity (ytd only)8.7353%1,472
Net charge-offs to loans0.4214%1,401
Credit loss provision to net charge-offs89.4533%2,034
Earnings coverage of net charge-offs (x)5.3654%2,371
Efficiency ratio64.1431%4,990
Assets per employee ($millions)5.4907%1,682
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.6250%3,294
Loan loss allowance to noncurrent loans116.1607%2,965
Noncurrent assets plus other real estate owned to assets0.9726%3,982
Noncurrent loans to loans1.3989%3,472
Net loans and leases to total assets65.7762%2,414
Net loans and leases to deposits85.3771%1,434
Net loans and leases to core deposits88.5574%1,851
Total domestic deposits to total assets76.4388%6,312
Equity capital to assets10.9051%3,071
Core capital (leverage) ratio9.8921%3,539
Tier 1 risk-based capital ratio11.0839%6,370
Total risk-based capital ratio14.0495%5,313
Memoranda:
Average total assets$86,895,847,50025
Average earning assets$76,874,045,00026
Average equity$9,379,751,00028
Average total loans$58,284,767,50022
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5377%6,315
Cost of funding earning assets0.4264%5,742
Net interest margin3.1113%5,790
Noninterest income to average assets1.8908%472
Noninterest expense to average assets3.0147%3,220
Loan and lease loss provision to assets0.2687%2,496
Net operating income to assets1.0242%2,235
Return on assets (ROA)1.0397%2,373
Pretax return on assets1.3699%2,146
Return on Equity (ROE)9.1005%2,592
Retained earnings to average equity (ytd only)-9.1048%6,610
Net charge-offs to loans0.7122%1,656
Credit loss provision to net charge-offs56.8934%4,527
Earnings coverage of net charge-offs (x)3.4363%3,726
Efficiency ratio64.4330%4,810
Assets per employee ($millions)5.2949%1,907
Cash dividends to net income (ytd only)*200.0464%127
Condition Ratios (%)
Loss allowance to loans1.6105%3,262
Loan loss allowance to noncurrent loans119.8475%2,843
Noncurrent assets plus other real estate owned to assets0.9418%4,146
Noncurrent loans to loans1.3438%3,594
Net loans and leases to total assets66.2015%2,497
Net loans and leases to deposits84.5639%1,689
Net loans and leases to core deposits90.1549%1,819
Total domestic deposits to total assets75.3764%6,416
Equity capital to assets10.6838%3,306
Core capital (leverage) ratio9.7823%3,681
Tier 1 risk-based capital ratio10.8228%6,417
Total risk-based capital ratio13.9255%5,288
Memoranda:
Average total assets$85,345,094,80024
Average earning assets$75,352,898,40024
Average equity$9,749,911,20027
Average total loans$56,599,684,20021
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5321%6,472
Cost of funding earning assets0.4610%5,718
Net interest margin3.0710%6,008
Noninterest income to average assets1.8967%451
Noninterest expense to average assets3.0059%3,209
Loan and lease loss provision to assets0.2695%2,415
Net operating income to assets1.0324%2,359
Return on assets (ROA)1.0452%2,518
Pretax return on assets1.3469%2,425
Return on Equity (ROE)8.9998%2,803
Retained earnings to average equity (ytd only)-9.2507%6,799
Net charge-offs to loans0.7843%1,411
Credit loss provision to net charge-offs52.0145%4,348
Earnings coverage of net charge-offs (x)3.0945%3,787
Efficiency ratio64.8512%4,649
Assets per employee ($millions)5.3468%1,785
Cash dividends to net income (ytd only)*202.7886%52
Condition Ratios (%)
Loss allowance to loans1.6639%3,279
Loan loss allowance to noncurrent loans118.2412%2,821
Noncurrent assets plus other real estate owned to assets0.9983%4,284
Noncurrent loans to loans1.4072%3,687
Net loans and leases to total assets66.5626%2,549
Net loans and leases to deposits84.9834%1,728
Net loans and leases to core deposits88.3553%2,174
Total domestic deposits to total assets77.5611%6,152
Equity capital to assets11.2524%2,973
Core capital (leverage) ratio10.0693%3,443
Tier 1 risk-based capital ratio11.1481%6,419
Total risk-based capital ratio14.3164%5,151
Memoranda:
Average total assets$84,920,527,50025
Average earning assets$75,012,342,75024
Average equity$9,862,511,00027
Average total loans$56,107,791,25021
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5252%6,578
Cost of funding earning assets0.4997%5,623
Net interest margin3.0256%6,189
Noninterest income to average assets1.8435%455
Noninterest expense to average assets2.9304%3,508
Loan and lease loss provision to assets0.1470%3,677
Net operating income to assets1.0878%2,085
Return on assets (ROA)1.1141%2,213
Pretax return on assets1.4698%1,953
Return on Equity (ROE)9.4944%2,575
Retained earnings to average equity (ytd only)-8.5527%6,789
Net charge-offs to loans0.7513%1,470
Credit loss provision to net charge-offs29.8586%4,447
Earnings coverage of net charge-offs (x)3.2304%3,449
Efficiency ratio64.7120%4,763
Assets per employee ($millions)5.3221%1,801
Cash dividends to net income (ytd only)*190.0811%93
Condition Ratios (%)
Loss allowance to loans1.7363%3,086
Loan loss allowance to noncurrent loans111.2314%2,907
Noncurrent assets plus other real estate owned to assets1.0818%4,214
Noncurrent loans to loans1.5610%3,567
Net loans and leases to total assets65.1672%2,817
Net loans and leases to deposits84.6952%1,762
Net loans and leases to core deposits91.7468%1,805
Total domestic deposits to total assets73.4453%6,715
Equity capital to assets11.6543%2,449
Core capital (leverage) ratio10.5110%2,792
Tier 1 risk-based capital ratio11.9956%5,941
Total risk-based capital ratio15.5003%4,236
Memoranda:
Average total assets$85,001,384,00025
Average earning assets$75,218,019,67024
Average equity$9,973,912,67026
Average total loans$55,704,551,67021
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5660%6,615
Cost of funding earning assets0.5138%5,725
Net interest margin3.0522%6,178
Noninterest income to average assets1.7372%504
Noninterest expense to average assets2.8782%3,713
Loan and lease loss provision to assets0.1964%2,980
Net operating income to assets0.9748%2,579
Return on assets (ROA)0.9889%2,716
Pretax return on assets1.3801%2,246
Return on Equity (ROE)8.4002%3,105
Retained earnings to average equity (ytd only)-9.4782%6,823
Net charge-offs to loans0.8568%1,197
Credit loss provision to net charge-offs35.1855%3,532
Earnings coverage of net charge-offs (x)2.7990%3,063
Efficiency ratio64.7068%4,794
Assets per employee ($millions)5.4930%1,699
Cash dividends to net income (ytd only)*212.8324%151
Condition Ratios (%)
Loss allowance to loans1.8680%2,778
Loan loss allowance to noncurrent loans108.7124%2,841
Noncurrent assets plus other real estate owned to assets1.2073%4,109
Noncurrent loans to loans1.7183%3,534
Net loans and leases to total assets64.0579%2,839
Net loans and leases to deposits84.8413%1,558
Net loans and leases to core deposits89.1910%1,930
Total domestic deposits to total assets74.4027%6,711
Equity capital to assets11.8127%2,172
Core capital (leverage) ratio10.8176%2,426
Tier 1 risk-based capital ratio12.3337%5,731
Total risk-based capital ratio15.8508%3,980
Memoranda:
Average total assets$85,518,847,00025
Average earning assets$75,743,816,00024
Average equity$10,068,019,50026
Average total loans$55,714,107,50021
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7013%6,848
Cost of funding earning assets0.6203%5,984
Net interest margin3.0810%6,382
Noninterest income to average assets1.7618%461
Noninterest expense to average assets2.8964%3,970
Loan and lease loss provision to assets-0.0689%7,257
Net operating income to assets1.1749%1,586
Return on assets (ROA)1.1243%1,862
Pretax return on assets1.6051%1,186
Return on Equity (ROE)9.8738%2,101
Retained earnings to average equity (ytd only)6.8388%1,577
Net charge-offs to loans1.1969%1,405
Credit loss provision to net charge-offs-9.0051%6,612
Earnings coverage of net charge-offs (x)2.0758%4,224
Efficiency ratio64.4800%5,045
Assets per employee ($millions)5.3473%1,781
Cash dividends to net income (ytd only)*30.7385%3,086
Condition Ratios (%)
Loss allowance to loans1.9763%2,349
Loan loss allowance to noncurrent loans109.5682%2,817
Noncurrent assets plus other real estate owned to assets1.2618%4,124
Noncurrent loans to loans1.8037%3,463
Net loans and leases to total assets63.7364%3,247
Net loans and leases to deposits85.5567%1,725
Net loans and leases to core deposits89.5560%2,185
Total domestic deposits to total assets73.7204%6,747
Equity capital to assets11.7337%2,316
Core capital (leverage) ratio10.8714%2,380
Tier 1 risk-based capital ratio12.3486%5,584
Total risk-based capital ratio15.9847%3,779
Memoranda:
Average total assets$86,808,064,00022
Average earning assets$76,688,562,00021
Average equity$9,884,448,80025
Average total loans$55,457,236,40020
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7338%6,904
Cost of funding earning assets0.6418%6,077
Net interest margin3.0921%6,397
Noninterest income to average assets1.7647%455
Noninterest expense to average assets2.8844%3,997
Loan and lease loss provision to assets-0.0581%7,336
Net operating income to assets1.1754%1,727
Return on assets (ROA)1.1159%2,052
Pretax return on assets1.6081%1,364
Return on Equity (ROE)9.8745%2,239
Retained earnings to average equity (ytd only)9.8745%879
Net charge-offs to loans1.2861%1,204
Credit loss provision to net charge-offs-7.1052%6,405
Earnings coverage of net charge-offs (x)1.9683%4,177
Efficiency ratio64.0571%5,060
Assets per employee ($millions)5.6098%1,496
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.2818%1,723
Loan loss allowance to noncurrent loans124.5600%2,421
Noncurrent assets plus other real estate owned to assets1.2405%4,316
Noncurrent loans to loans1.8319%3,594
Net loans and leases to total assets61.6342%3,812
Net loans and leases to deposits83.8426%2,027
Net loans and leases to core deposits91.6937%2,036
Total domestic deposits to total assets69.9633%7,044
Equity capital to assets11.8563%2,370
Core capital (leverage) ratio10.9262%2,453
Tier 1 risk-based capital ratio12.7458%5,296
Total risk-based capital ratio16.4453%3,513
Memoranda:
Average total assets$86,960,371,00021
Average earning assets$76,769,058,00020
Average equity$9,826,982,25025
Average total loans$55,309,604,75019
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7897%6,929
Cost of funding earning assets0.6587%6,176
Net interest margin3.1310%6,334
Noninterest income to average assets1.7254%452
Noninterest expense to average assets2.8781%4,110
Loan and lease loss provision to assets-0.1095%7,426
Net operating income to assets1.2420%1,457
Return on assets (ROA)1.1940%1,676
Pretax return on assets1.6709%1,108
Return on Equity (ROE)10.7409%1,886
Retained earnings to average equity (ytd only)10.7409%717
Net charge-offs to loans1.4206%1,062
Credit loss provision to net charge-offs-12.0900%6,181
Earnings coverage of net charge-offs (x)1.7772%3,979
Efficiency ratio64.0037%5,238
Assets per employee ($millions)5.5977%1,484
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.4597%1,510
Loan loss allowance to noncurrent loans123.2030%2,382
Noncurrent assets plus other real estate owned to assets1.3276%4,245
Noncurrent loans to loans1.9965%3,481
Net loans and leases to total assets61.7757%3,932
Net loans and leases to deposits84.9663%1,950
Net loans and leases to core deposits93.0452%2,013
Total domestic deposits to total assets69.5501%7,136
Equity capital to assets11.6741%2,347
Core capital (leverage) ratio11.6459%1,815
Tier 1 risk-based capital ratio13.7467%4,346
Total risk-based capital ratio17.8399%2,653
Memoranda:
Average total assets$87,092,121,67022
Average earning assets$76,853,347,00021
Average equity$9,681,508,00026
Average total loans$55,546,297,67020
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8592%6,875
Cost of funding earning assets0.6788%6,254
Net interest margin3.1804%6,128
Noninterest income to average assets1.6702%487
Noninterest expense to average assets2.9652%3,791
Loan and lease loss provision to assets-0.1829%7,506
Net operating income to assets1.2394%1,424
Return on assets (ROA)1.1811%1,619
Pretax return on assets1.6307%1,125
Return on Equity (ROE)10.8928%1,775
Retained earnings to average equity (ytd only)10.8928%918
Net charge-offs to loans1.6197%832
Credit loss provision to net charge-offs-17.6447%5,600
Earnings coverage of net charge-offs (x)1.4558%3,617
Efficiency ratio66.1514%5,009
Assets per employee ($millions)5.6695%1,434
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.6854%1,219
Loan loss allowance to noncurrent loans122.6947%2,375
Noncurrent assets plus other real estate owned to assets1.5077%3,993
Noncurrent loans to loans2.1887%3,335
Net loans and leases to total assets61.9590%3,863
Net loans and leases to deposits85.0470%1,868
Net loans and leases to core deposits98.2049%1,505
Total domestic deposits to total assets66.4631%7,316
Equity capital to assets11.0945%2,595
Core capital (leverage) ratio10.8905%2,269
Tier 1 risk-based capital ratio13.1826%4,679
Total risk-based capital ratio17.2449%2,877
Memoranda:
Average total assets$87,673,119,50021
Average earning assets$77,297,086,50021
Average equity$9,506,493,00026
Average total loans$56,108,162,50019
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2198%6,897
Cost of funding earning assets0.9756%5,810
Net interest margin3.2443%6,155
Noninterest income to average assets1.7494%492
Noninterest expense to average assets2.9331%4,095
Loan and lease loss provision to assets0.7064%2,322
Net operating income to assets0.7324%3,087
Return on assets (ROA)0.7049%3,338
Pretax return on assets0.9256%3,171
Return on Equity (ROE)7.0919%3,068
Retained earnings to average equity (ytd only)7.0919%1,282
Net charge-offs to loans2.7986%629
Credit loss provision to net charge-offs37.7453%6,415
Earnings coverage of net charge-offs (x)0.8872%5,233
Efficiency ratio63.5367%5,429
Assets per employee ($millions)5.6998%1,424
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans3.0149%856
Loan loss allowance to noncurrent loans115.7748%2,518
Noncurrent assets plus other real estate owned to assets1.8230%3,599
Noncurrent loans to loans2.6041%2,922
Net loans and leases to total assets62.3793%4,206
Net loans and leases to deposits86.1294%2,069
Net loans and leases to core deposits97.6195%1,831
Total domestic deposits to total assets67.5527%7,338
Equity capital to assets10.5969%3,065
Core capital (leverage) ratio10.3437%2,729
Tier 1 risk-based capital ratio12.3785%5,134
Total risk-based capital ratio16.4849%3,086
Memoranda:
Average total assets$90,327,530,60021
Average earning assets$79,187,354,80021
Average equity$8,978,728,20025
Average total loans$60,403,944,60018
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2694%7,004
Cost of funding earning assets1.0468%5,710
Net interest margin3.2226%6,266
Noninterest income to average assets1.6511%515
Noninterest expense to average assets2.9361%3,959
Loan and lease loss provision to assets1.0803%1,350
Net operating income to assets0.4085%4,717
Return on assets (ROA)0.3904%4,970
Pretax return on assets0.4382%5,117
Return on Equity (ROE)3.9920%4,784
Retained earnings to average equity (ytd only)3.9920%3,668
Net charge-offs to loans3.0524%497
Credit loss provision to net charge-offs52.4371%5,850
Earnings coverage of net charge-offs (x)0.7462%5,318
Efficiency ratio65.2884%5,005
Assets per employee ($millions)5.8058%1,389
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans3.5498%519
Loan loss allowance to noncurrent loans112.8123%2,493
Noncurrent assets plus other real estate owned to assets2.2249%3,166
Noncurrent loans to loans3.1467%2,534
Net loans and leases to total assets62.6118%4,404
Net loans and leases to deposits86.1425%2,307
Net loans and leases to core deposits99.9707%1,854
Total domestic deposits to total assets66.9842%7,431
Equity capital to assets10.2820%3,792
Core capital (leverage) ratio9.9243%3,329
Tier 1 risk-based capital ratio11.5975%5,833
Total risk-based capital ratio15.6516%3,538
Memoranda:
Average total assets$90,761,510,75021
Average earning assets$79,485,345,25021
Average equity$8,876,422,25025
Average total loans$61,259,750,25017
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3124%7,030
Cost of funding earning assets1.1371%5,475
Net interest margin3.1754%6,391
Noninterest income to average assets1.6230%497
Noninterest expense to average assets2.9208%4,002
Loan and lease loss provision to assets1.4104%947
Net operating income to assets0.1728%5,654
Return on assets (ROA)0.1093%5,950
Pretax return on assets0.0094%6,141
Return on Equity (ROE)1.1372%5,904
Retained earnings to average equity (ytd only)1.1372%5,302
Net charge-offs to loans3.2913%459
Credit loss provision to net charge-offs62.6966%5,140
Earnings coverage of net charge-offs (x)0.6594%5,087
Efficiency ratio65.9623%4,988
Assets per employee ($millions)5.8428%1,344
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.8684%412
Loan loss allowance to noncurrent loans102.4952%2,689
Noncurrent assets plus other real estate owned to assets2.7052%2,674
Noncurrent loans to loans3.7743%2,052
Net loans and leases to total assets64.3224%4,193
Net loans and leases to deposits88.3433%2,115
Net loans and leases to core deposits102.3139%1,799
Total domestic deposits to total assets68.1928%7,422
Equity capital to assets9.8552%4,194
Core capital (leverage) ratio9.4030%3,955
Tier 1 risk-based capital ratio10.8882%6,361
Total risk-based capital ratio15.2173%3,714
Memoranda:
Average total assets$90,931,641,00021
Average earning assets$79,640,891,33021
Average equity$8,742,026,67026
Average total loans$62,150,477,33017
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3843%7,017
Cost of funding earning assets1.1972%5,421
Net interest margin3.1871%6,330
Noninterest income to average assets1.4650%554
Noninterest expense to average assets2.8916%4,094
Loan and lease loss provision to assets1.8153%620
Net operating income to assets-0.1595%6,493
Return on assets (ROA)-0.1505%6,557
Pretax return on assets-0.4445%6,749
Return on Equity (ROE)-1.5850%6,592
Retained earnings to average equity (ytd only)-1.5850%6,142
Net charge-offs to loans3.5447%395
Credit loss provision to net charge-offs74.1508%4,008
Earnings coverage of net charge-offs (x)0.5562%4,534
Efficiency ratio67.6131%4,798
Assets per employee ($millions)5.8794%1,354
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans4.1021%344
Loan loss allowance to noncurrent loans90.7504%3,040
Noncurrent assets plus other real estate owned to assets3.2655%2,197
Noncurrent loans to loans4.5202%1,654
Net loans and leases to total assets65.3689%4,029
Net loans and leases to deposits87.3965%2,335
Net loans and leases to core deposits102.1119%1,886
Total domestic deposits to total assets70.2966%7,393
Equity capital to assets9.4735%4,576
Core capital (leverage) ratio8.9380%4,668
Tier 1 risk-based capital ratio10.1422%6,937
Total risk-based capital ratio14.4016%4,196
Memoranda:
Average total assets$91,066,177,00020
Average earning assets$79,670,388,00021
Average equity$8,645,559,00026
Average total loans$62,894,172,50017
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4363%7,445
Cost of funding earning assets1.5065%5,485
Net interest margin2.9299%6,801
Noninterest income to average assets1.7001%504
Noninterest expense to average assets3.2447%3,208
Loan and lease loss provision to assets3.3146%480
Net operating income to assets-1.2481%6,736
Return on assets (ROA)-1.2077%6,711
Pretax return on assets-2.1875%7,011
Return on Equity (ROE)-13.5601%6,859
Retained earnings to average equity (ytd only)-13.5601%6,786
Net charge-offs to loans3.3948%583
Credit loss provision to net charge-offs131.6335%3,838
Earnings coverage of net charge-offs (x)0.4126%5,699
Efficiency ratio70.1333%4,595
Assets per employee ($millions)5.7104%1,454
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans4.2648%301
Loan loss allowance to noncurrent loans108.2343%2,607
Noncurrent assets plus other real estate owned to assets2.9877%2,346
Noncurrent loans to loans3.9403%1,884
Net loans and leases to total assets66.9966%3,929
Net loans and leases to deposits87.1499%2,711
Net loans and leases to core deposits108.2711%3,076
Total domestic deposits to total assets72.1314%7,230
Equity capital to assets9.5144%4,395
Core capital (leverage) ratio8.8514%4,682
Tier 1 risk-based capital ratio9.8987%6,957
Total risk-based capital ratio14.2283%4,104
Memoranda:
Average total assets$95,314,434,20020
Average earning assets$84,044,847,20019
Average equity$8,488,650,40025
Average total loans$70,698,398,40016
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3919%7,618
Cost of funding earning assets1.5481%5,643
Net interest margin2.8437%6,976
Noninterest income to average assets1.7135%499
Noninterest expense to average assets3.2397%3,156
Loan and lease loss provision to assets3.3170%414
Net operating income to assets-1.4005%7,066
Return on assets (ROA)-1.3324%7,026
Pretax return on assets-2.1981%7,251
Return on Equity (ROE)-15.2030%7,200
Retained earnings to average equity (ytd only)-15.2030%7,147
Net charge-offs to loans3.0420%539
Credit loss provision to net charge-offs145.0929%3,351
Earnings coverage of net charge-offs (x)0.4322%5,599
Efficiency ratio69.2798%4,728
Assets per employee ($millions)5.6828%1,449
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans3.9692%304
Loan loss allowance to noncurrent loans88.0295%3,124
Noncurrent assets plus other real estate owned to assets3.4289%1,950
Noncurrent loans to loans4.5090%1,549
Net loans and leases to total assets68.3607%3,877
Net loans and leases to deposits89.4756%2,678
Net loans and leases to core deposits113.7431%2,858
Total domestic deposits to total assets71.1798%7,317
Equity capital to assets9.0308%5,444
Core capital (leverage) ratio8.6677%5,189
Tier 1 risk-based capital ratio9.3196%7,482
Total risk-based capital ratio13.4679%4,720
Memoranda:
Average total assets$96,598,262,25021
Average earning assets$85,402,126,25020
Average equity$8,465,821,50026
Average total loans$72,595,906,50017
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6197%7,501
Cost of funding earning assets1.7004%5,271
Net interest margin2.9193%6,757
Noninterest income to average assets1.9187%399
Noninterest expense to average assets3.3074%2,927
Loan and lease loss provision to assets3.5372%404
Net operating income to assets-1.4373%7,213
Return on assets (ROA)-1.2722%7,153
Pretax return on assets-2.0853%7,312
Return on Equity (ROE)-14.6589%7,313
Retained earnings to average equity (ytd only)-14.6589%7,221
Net charge-offs to loans2.7651%602
Credit loss provision to net charge-offs167.3889%2,745
Earnings coverage of net charge-offs (x)0.5647%5,146
Efficiency ratio65.5264%5,627
Assets per employee ($millions)5.7193%1,406
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans3.4919%382
Loan loss allowance to noncurrent loans85.7386%3,312
Noncurrent assets plus other real estate owned to assets3.2893%1,887
Noncurrent loans to loans4.0727%1,649
Net loans and leases to total assets72.5123%3,082
Net loans and leases to deposits95.0019%1,953
Net loans and leases to core deposits123.7101%2,052
Total domestic deposits to total assets70.7935%7,391
Equity capital to assets8.8454%5,530
Core capital (leverage) ratio8.3965%5,626
Tier 1 risk-based capital ratio8.8007%7,785
Total risk-based capital ratio13.0114%5,056
Memoranda:
Average total assets$97,544,227,67020
Average earning assets$86,277,551,33019
Average equity$8,465,333,33025
Average total loans$74,546,383,33014
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6607%7,560
Cost of funding earning assets1.7212%5,513
Net interest margin2.9395%6,640
Noninterest income to average assets2.0832%342
Noninterest expense to average assets3.4206%2,298
Loan and lease loss provision to assets3.5464%292
Net operating income to assets-1.4246%7,464
Return on assets (ROA)-1.4227%7,481
Pretax return on assets-2.2858%7,611
Return on Equity (ROE)-16.5468%7,661
Retained earnings to average equity (ytd only)-16.5468%7,517
Net charge-offs to loans2.5875%528
Credit loss provision to net charge-offs177.8960%2,439
Earnings coverage of net charge-offs (x)0.6314%4,485
Efficiency ratio58.4870%6,628
Assets per employee ($millions)5.5157%1,546
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.9270%512
Loan loss allowance to noncurrent loans96.3527%3,150
Noncurrent assets plus other real estate owned to assets2.5710%2,229
Noncurrent loans to loans3.0378%2,149
Net loans and leases to total assets75.8980%2,290
Net loans and leases to deposits101.7949%1,199
Net loans and leases to core deposits134.6147%1,382
Total domestic deposits to total assets68.3628%7,568
Equity capital to assets8.7070%5,755
Core capital (leverage) ratio7.8841%6,648
Tier 1 risk-based capital ratio8.0309%8,006
Total risk-based capital ratio12.0902%5,959
Memoranda:
Average total assets$98,691,889,50021
Average earning assets$87,161,060,00020
Average equity$8,485,411,00025
Average total loans$76,036,495,00015
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2884%7,610
Cost of funding earning assets2.3738%4,838
Net interest margin2.9146%7,123
Noninterest income to average assets1.7336%454
Noninterest expense to average assets3.1591%3,482
Loan and lease loss provision to assets1.8665%672
Net operating income to assets-1.1868%7,339
Return on assets (ROA)-1.1805%7,272
Pretax return on assets-0.7341%6,835
Return on Equity (ROE)-14.5013%7,567
Retained earnings to average equity (ytd only)-14.5013%7,430
Net charge-offs to loans1.6305%690
Credit loss provision to net charge-offs145.6827%3,624
Earnings coverage of net charge-offs (x)0.8789%5,699
Efficiency ratio66.9451%4,916
Assets per employee ($millions)5.9451%1,164
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans2.3299%819
Loan loss allowance to noncurrent loans103.1014%3,371
Noncurrent assets plus other real estate owned to assets1.8633%2,645
Noncurrent loans to loans2.2598%2,441
Net loans and leases to total assets74.2033%3,057
Net loans and leases to deposits107.7666%990
Net loans and leases to core deposits143.6389%1,104
Total domestic deposits to total assets63.0429%7,837
Equity capital to assets8.4956%6,092
Core capital (leverage) ratio7.8098%6,785
Tier 1 risk-based capital ratio7.8332%8,106
Total risk-based capital ratio11.8498%6,007
Memoranda:
Average total assets$98,313,705,40021
Average earning assets$86,067,318,60020
Average equity$8,003,359,40027
Average total loans$77,253,347,80015