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Manufacturers and Traders Trust Company, Performance and Condition Ratios

2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1347%3,224
Cost of funding earning assets0.0768%4,408
Net interest margin3.0579%2,692
Noninterest income to average assets1.0290%627
Noninterest expense to average assets2.5471%1,788
Loan and lease loss provision to assets0.3690%158
Net operating income to assets0.6715%3,411
Return on assets (ROA)0.6713%3,359
Pretax return on assets0.8691%3,149
Return on Equity (ROE)5.8816%3,605
Retained earnings to average equity (ytd only)-4.4722%4,519
Net charge-offs to loans0.1084%555
Credit loss provision to net charge-offs552.0491%604
Earnings coverage of net charge-offs (x)18.5282%1,578
Efficiency ratio66.6756%2,421
Assets per employee ($millions)9.2765%814
Cash dividends to net income (ytd only)*176.0371%102
Condition Ratios (%)
Loss allowance to loans1.4191%1,675
Loan loss allowance to noncurrent loans57.7752%3,741
Noncurrent assets plus other real estate owned to assets1.5649%222
Noncurrent loans to loans2.4562%236
Net loans and leases to total assets62.1609%2,111
Net loans and leases to deposits73.1314%1,948
Net loans and leases to core deposits75.0276%2,090
Total domestic deposits to total assets84.9846%3,488
Equity capital to assets12.1287%836
Core capital (leverage) ratio8.2686%4,126
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1420%2,437
Memoranda:
Average total assets$169,254,681,00025
Average earning assets$152,566,053,66726
Average equity$19,316,554,00017
Average total loans$104,328,376,00019
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6953%3,959
Cost of funding earning assets0.0516%4,591
Net interest margin2.6438%3,547
Noninterest income to average assets1.0674%596
Noninterest expense to average assets2.2584%2,659
Loan and lease loss provision to assets0.0270%1,879
Net operating income to assets0.8938%2,297
Return on assets (ROA)0.8923%2,305
Pretax return on assets1.1725%1,911
Return on Equity (ROE)8.1615%2,620
Retained earnings to average equity (ytd only)-1.4629%4,192
Net charge-offs to loans0.0302%1,008
Credit loss provision to net charge-offs147.0799%868
Earnings coverage of net charge-offs (x)65.5281%819
Efficiency ratio65.1871%2,883
Assets per employee ($millions)8.9142%948
Cash dividends to net income (ytd only)*117.9238%421
Condition Ratios (%)
Loss allowance to loans1.6035%1,263
Loan loss allowance to noncurrent loans50.5808%3,831
Noncurrent assets plus other real estate owned to assets1.9647%151
Noncurrent loans to loans3.1701%158
Net loans and leases to total assets60.3947%2,021
Net loans and leases to deposits70.1079%1,956
Net loans and leases to core deposits71.8288%2,129
Total domestic deposits to total assets86.1259%3,217
Equity capital to assets11.0363%1,319
Core capital (leverage) ratio8.4033%3,960
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7222%2,335
Memoranda:
Average total assets$152,053,889,00027
Average earning assets$137,592,610,00027
Average equity$16,624,427,50021
Average total loans$92,284,075,00021
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9204%4,018
Cost of funding earning assets0.0669%4,604
Net interest margin2.8535%3,551
Noninterest income to average assets1.1615%782
Noninterest expense to average assets2.1430%3,262
Loan and lease loss provision to assets-0.0498%4,355
Net operating income to assets1.2405%1,773
Return on assets (ROA)1.2291%1,873
Pretax return on assets1.6206%1,369
Return on Equity (ROE)11.2751%2,061
Retained earnings to average equity (ytd only)4.9958%2,782
Net charge-offs to loans0.2000%481
Credit loss provision to net charge-offs-38.4913%3,227
Earnings coverage of net charge-offs (x)12.3391%2,118
Efficiency ratio57.3060%3,545
Assets per employee ($millions)9.2330%857
Cash dividends to net income (ytd only)*55.6914%1,253
Condition Ratios (%)
Loss allowance to loans1.5809%1,301
Loan loss allowance to noncurrent loans48.5909%3,903
Noncurrent assets plus other real estate owned to assets1.9719%160
Noncurrent loans to loans3.2535%167
Net loans and leases to total assets59.0786%2,262
Net loans and leases to deposits68.3272%2,281
Net loans and leases to core deposits70.0124%2,444
Total domestic deposits to total assets86.4438%2,739
Equity capital to assets10.8337%1,915
Core capital (leverage) ratio8.1071%4,284
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7093%2,357
Memoranda:
Average total assets$149,740,676,40026
Average earning assets$134,694,717,20027
Average equity$16,323,592,60023
Average total loans$96,199,305,00017
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9752%4,052
Cost of funding earning assets0.0713%4,683
Net interest margin2.9039%3,543
Noninterest income to average assets1.1701%837
Noninterest expense to average assets2.1459%3,231
Loan and lease loss provision to assets-0.0539%4,469
Net operating income to assets1.2769%1,896
Return on assets (ROA)1.2606%2,011
Pretax return on assets1.6654%1,500
Return on Equity (ROE)11.5451%2,196
Retained earnings to average equity (ytd only)5.1728%3,152
Net charge-offs to loans0.2219%372
Credit loss provision to net charge-offs-36.7155%3,117
Earnings coverage of net charge-offs (x)11.2559%2,007
Efficiency ratio56.6130%3,458
Assets per employee ($millions)9.2152%831
Cash dividends to net income (ytd only)*55.1942%1,006
Condition Ratios (%)
Loss allowance to loans1.6184%1,291
Loan loss allowance to noncurrent loans46.3447%3,989
Noncurrent assets plus other real estate owned to assets2.1756%157
Noncurrent loans to loans3.4922%164
Net loans and leases to total assets60.7145%2,171
Net loans and leases to deposits70.3201%2,204
Net loans and leases to core deposits72.4052%2,393
Total domestic deposits to total assets86.3204%2,626
Equity capital to assets10.8741%2,104
Core capital (leverage) ratio8.1813%4,312
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5179%2,541
Memoranda:
Average total assets$148,512,714,00026
Average earning assets$133,376,304,50026
Average equity$16,215,860,00023
Average total loans$97,040,587,00017
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9992%4,050
Cost of funding earning assets0.0779%4,709
Net interest margin2.9212%3,527
Noninterest income to average assets1.1468%865
Noninterest expense to average assets2.1688%3,191
Loan and lease loss provision to assets-0.0491%4,517
Net operating income to assets1.2505%2,021
Return on assets (ROA)1.2254%2,163
Pretax return on assets1.6163%1,693
Return on Equity (ROE)11.2075%2,342
Retained earnings to average equity (ytd only)5.6276%2,949
Net charge-offs to loans0.2468%355
Credit loss provision to net charge-offs-32.5474%2,952
Earnings coverage of net charge-offs (x)9.7296%1,821
Efficiency ratio57.3746%3,355
Assets per employee ($millions)9.2023%800
Cash dividends to net income (ytd only)*49.7869%1,240
Condition Ratios (%)
Loss allowance to loans1.6217%1,227
Loan loss allowance to noncurrent loans47.4470%3,989
Noncurrent assets plus other real estate owned to assets2.2305%173
Noncurrent loans to loans3.4178%186
Net loans and leases to total assets63.5375%2,004
Net loans and leases to deposits73.5801%2,038
Net loans and leases to core deposits76.2176%2,218
Total domestic deposits to total assets86.3329%2,611
Equity capital to assets10.8642%2,096
Core capital (leverage) ratio8.2550%4,210
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2343%2,634
Memoranda:
Average total assets$147,514,396,33324
Average earning assets$132,350,329,66725
Average equity$16,129,459,00023
Average total loans$98,220,647,00016
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1010%3,877
Cost of funding earning assets0.0899%4,706
Net interest margin3.0110%3,230
Noninterest income to average assets1.1575%908
Noninterest expense to average assets2.2648%2,893
Loan and lease loss provision to assets-0.0595%4,666
Net operating income to assets1.2542%1,966
Return on assets (ROA)1.2270%2,132
Pretax return on assets1.6168%1,678
Return on Equity (ROE)11.1850%2,307
Retained earnings to average equity (ytd only)6.1955%2,832
Net charge-offs to loans0.3042%276
Credit loss provision to net charge-offs-32.9337%2,730
Earnings coverage of net charge-offs (x)7.7389%1,602
Efficiency ratio58.5414%3,228
Assets per employee ($millions)9.0873%804
Cash dividends to net income (ytd only)*44.6090%1,268
Condition Ratios (%)
Loss allowance to loans1.6473%1,177
Loan loss allowance to noncurrent loans53.7888%3,942
Noncurrent assets plus other real estate owned to assets2.0492%241
Noncurrent loans to loans3.0625%249
Net loans and leases to total assets65.0050%1,920
Net loans and leases to deposits75.1495%1,999
Net loans and leases to core deposits78.4318%2,149
Total domestic deposits to total assets86.0559%2,717
Equity capital to assets10.7554%2,034
Core capital (leverage) ratio8.2560%4,344
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0119%2,658
Memoranda:
Average total assets$146,157,668,50024
Average earning assets$131,009,303,00025
Average equity$16,033,661,50023
Average total loans$98,818,759,50015
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5364%3,949
Cost of funding earning assets0.2493%4,376
Net interest margin3.2870%3,102
Noninterest income to average assets1.2337%738
Noninterest expense to average assets2.2537%3,531
Loan and lease loss provision to assets0.6030%332
Net operating income to assets1.0048%2,274
Return on assets (ROA)0.9994%2,438
Pretax return on assets1.3034%1,964
Return on Equity (ROE)8.5153%2,594
Retained earnings to average equity (ytd only)4.3398%2,632
Net charge-offs to loans0.2580%673
Credit loss provision to net charge-offs323.4887%1,660
Earnings coverage of net charge-offs (x)10.2640%2,472
Efficiency ratio53.8256%4,233
Assets per employee ($millions)8.6635%842
Cash dividends to net income (ytd only)*49.0346%1,885
Condition Ratios (%)
Loss allowance to loans1.7617%929
Loan loss allowance to noncurrent loans63.0889%3,831
Noncurrent assets plus other real estate owned to assets1.9632%290
Noncurrent loans to loans2.7923%334
Net loans and leases to total assets67.9931%1,829
Net loans and leases to deposits79.8184%1,884
Net loans and leases to core deposits83.7288%2,061
Total domestic deposits to total assets84.7034%2,879
Equity capital to assets11.1967%2,106
Core capital (leverage) ratio8.2746%4,428
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6192%2,765
Memoranda:
Average total assets$132,639,750,60024
Average earning assets$118,361,736,40026
Average equity$15,567,292,20023
Average total loans$95,843,237,20015
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6118%3,986
Cost of funding earning assets0.2886%4,357
Net interest margin3.3232%3,118
Noninterest income to average assets1.2409%710
Noninterest expense to average assets2.2986%3,425
Loan and lease loss provision to assets0.7417%269
Net operating income to assets0.8979%2,717
Return on assets (ROA)0.8893%2,864
Pretax return on assets1.1551%2,546
Return on Equity (ROE)7.4833%3,020
Retained earnings to average equity (ytd only)3.6069%3,251
Net charge-offs to loans0.2102%728
Credit loss provision to net charge-offs482.7393%1,315
Earnings coverage of net charge-offs (x)12.4163%2,251
Efficiency ratio54.3716%4,108
Assets per employee ($millions)8.4694%854
Cash dividends to net income (ytd only)*51.8002%1,408
Condition Ratios (%)
Loss allowance to loans1.7856%752
Loan loss allowance to noncurrent loans99.5192%3,275
Noncurrent assets plus other real estate owned to assets1.3192%705
Noncurrent loans to loans1.7942%738
Net loans and leases to total assets69.8624%1,974
Net loans and leases to deposits82.9550%2,026
Net loans and leases to core deposits87.1921%2,215
Total domestic deposits to total assets83.5485%2,974
Equity capital to assets11.5003%2,004
Core capital (leverage) ratio8.3440%4,433
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5986%2,762
Memoranda:
Average total assets$130,244,767,25025
Average earning assets$116,221,343,75026
Average equity$15,478,123,25023
Average total loans$95,195,643,50016
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7824%3,907
Cost of funding earning assets0.3520%4,259
Net interest margin3.4304%3,005
Noninterest income to average assets1.2469%650
Noninterest expense to average assets2.3728%3,333
Loan and lease loss provision to assets0.9006%249
Net operating income to assets0.7966%3,056
Return on assets (ROA)0.7802%3,225
Pretax return on assets1.0079%2,998
Return on Equity (ROE)6.4896%3,335
Retained earnings to average equity (ytd only)0.6218%4,179
Net charge-offs to loans0.2556%615
Credit loss provision to net charge-offs477.5244%1,269
Earnings coverage of net charge-offs (x)10.2292%2,166
Efficiency ratio54.8781%4,078
Assets per employee ($millions)8.4576%820
Cash dividends to net income (ytd only)*90.4179%578
Condition Ratios (%)
Loss allowance to loans1.6752%865
Loan loss allowance to noncurrent loans96.8245%3,254
Noncurrent assets plus other real estate owned to assets1.2707%834
Noncurrent loans to loans1.7302%832
Net loans and leases to total assets68.9926%2,186
Net loans and leases to deposits82.4822%2,152
Net loans and leases to core deposits86.6124%2,388
Total domestic deposits to total assets83.0040%3,083
Equity capital to assets11.2029%2,179
Core capital (leverage) ratio8.2711%4,575
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1349%2,929
Memoranda:
Average total assets$127,577,620,33325
Average earning assets$113,620,986,33326
Average equity$15,337,936,33323
Average total loans$94,148,184,00018
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1418%3,398
Cost of funding earning assets0.4928%3,973
Net interest margin3.6491%2,514
Noninterest income to average assets1.3703%472
Noninterest expense to average assets2.6476%2,844
Loan and lease loss provision to assets0.8194%294
Net operating income to assets0.8857%2,566
Return on assets (ROA)0.8334%2,863
Pretax return on assets1.0728%2,604
Return on Equity (ROE)6.6723%3,073
Retained earnings to average equity (ytd only)-5.1602%4,533
Net charge-offs to loans0.2129%656
Credit loss provision to net charge-offs507.2994%865
Earnings coverage of net charge-offs (x)12.1243%1,703
Efficiency ratio57.2101%4,092
Assets per employee ($millions)7.4052%934
Cash dividends to net income (ytd only)*177.3385%372
Condition Ratios (%)
Loss allowance to loans1.4698%1,446
Loan loss allowance to noncurrent loans86.9699%3,435
Noncurrent assets plus other real estate owned to assets1.3575%846
Noncurrent loans to loans1.6901%898
Net loans and leases to total assets74.6124%1,517
Net loans and leases to deposits91.0013%1,406
Net loans and leases to core deposits95.7532%1,816
Total domestic deposits to total assets80.9911%3,666
Equity capital to assets12.3237%1,847
Core capital (leverage) ratio9.1281%4,339
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.5611%3,211
Memoranda:
Average total assets$121,789,749,50025
Average earning assets$107,993,318,50027
Average equity$15,212,312,00023
Average total loans$92,401,666,50019
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5060%2,922
Cost of funding earning assets0.6461%3,431
Net interest margin3.8600%2,304
Noninterest income to average assets1.3414%530
Noninterest expense to average assets2.5166%3,398
Loan and lease loss provision to assets0.1472%1,456
Net operating income to assets1.6095%821
Return on assets (ROA)1.6213%854
Pretax return on assets2.1412%433
Return on Equity (ROE)12.9921%1,168
Retained earnings to average equity (ytd only)-0.4229%4,755
Net charge-offs to loans0.1611%1,247
Credit loss provision to net charge-offs123.5588%2,057
Earnings coverage of net charge-offs (x)19.0889%2,018
Efficiency ratio52.2089%4,588
Assets per employee ($millions)7.0892%1,006
Cash dividends to net income (ytd only)*103.2554%265
Condition Ratios (%)
Loss allowance to loans1.1559%2,667
Loan loss allowance to noncurrent loans64.5050%3,857
Noncurrent assets plus other real estate owned to assets1.4454%713
Noncurrent loans to loans1.7920%752
Net loans and leases to total assets75.1412%1,561
Net loans and leases to deposits93.0539%1,248
Net loans and leases to core deposits98.4475%1,699
Total domestic deposits to total assets79.3211%4,118
Equity capital to assets12.6641%1,726
Core capital (leverage) ratio9.0751%4,463
Tier 1 risk-based capital ratio10.3424%5,065
Total risk-based capital ratio11.9864%4,859
Memoranda:
Average total assets$120,961,165,60024
Average earning assets$108,070,686,00026
Average equity$15,094,969,00024
Average total loans$89,396,713,80017
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5255%2,975
Cost of funding earning assets0.6541%3,431
Net interest margin3.8714%2,362
Noninterest income to average assets1.2975%552
Noninterest expense to average assets2.5252%3,364
Loan and lease loss provision to assets0.1362%1,412
Net operating income to assets1.5905%953
Return on assets (ROA)1.6119%943
Pretax return on assets2.1278%514
Return on Equity (ROE)12.9639%1,290
Retained earnings to average equity (ytd only)-0.7337%4,836
Net charge-offs to loans0.1539%1,073
Credit loss provision to net charge-offs120.6108%1,945
Earnings coverage of net charge-offs (x)19.8028%1,987
Efficiency ratio52.6815%4,540
Assets per employee ($millions)7.4054%882
Cash dividends to net income (ytd only)*105.6596%267
Condition Ratios (%)
Loss allowance to loans1.1560%2,744
Loan loss allowance to noncurrent loans63.6382%3,930
Noncurrent assets plus other real estate owned to assets1.3782%851
Noncurrent loans to loans1.8165%782
Net loans and leases to total assets70.8927%2,342
Net loans and leases to deposits91.6686%1,479
Net loans and leases to core deposits96.8860%1,920
Total domestic deposits to total assets76.0674%4,648
Equity capital to assets12.1766%2,132
Core capital (leverage) ratio9.2169%4,465
Tier 1 risk-based capital ratio10.4680%5,085
Total risk-based capital ratio12.3032%4,779
Memoranda:
Average total assets$121,343,430,75025
Average earning assets$108,595,539,50027
Average equity$15,087,458,25025
Average total loans$89,047,856,00018
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5660%2,781
Cost of funding earning assets0.6420%3,456
Net interest margin3.9240%2,169
Noninterest income to average assets1.2804%529
Noninterest expense to average assets2.5277%3,393
Loan and lease loss provision to assets0.1315%1,422
Net operating income to assets1.6214%861
Return on assets (ROA)1.6490%845
Pretax return on assets2.1750%468
Return on Equity (ROE)13.1677%1,190
Retained earnings to average equity (ytd only)-0.7938%4,803
Net charge-offs to loans0.1496%1,043
Credit loss provision to net charge-offs118.8756%1,753
Earnings coverage of net charge-offs (x)20.5285%1,766
Efficiency ratio52.3229%4,629
Assets per employee ($millions)7.1759%921
Cash dividends to net income (ytd only)*106.0287%353
Condition Ratios (%)
Loss allowance to loans1.1458%2,808
Loan loss allowance to noncurrent loans74.3226%3,759
Noncurrent assets plus other real estate owned to assets1.2152%1,087
Noncurrent loans to loans1.5417%997
Net loans and leases to total assets73.2353%2,017
Net loans and leases to deposits95.1864%1,131
Net loans and leases to core deposits100.6729%1,660
Total domestic deposits to total assets75.7928%4,695
Equity capital to assets12.5534%1,825
Core capital (leverage) ratio9.3746%4,278
Tier 1 risk-based capital ratio10.5627%5,083
Total risk-based capital ratio12.4032%4,745
Memoranda:
Average total assets$120,111,043,00025
Average earning assets$107,710,788,67027
Average equity$15,041,365,00025
Average total loans$88,836,689,33018
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5625%2,656
Cost of funding earning assets0.6061%3,538
Net interest margin3.9564%2,000
Noninterest income to average assets1.2299%542
Noninterest expense to average assets2.5925%3,235
Loan and lease loss provision to assets0.0803%2,091
Net operating income to assets1.5984%902
Return on assets (ROA)1.6290%870
Pretax return on assets2.1444%490
Return on Equity (ROE)13.0242%1,209
Retained earnings to average equity (ytd only)-1.6816%4,719
Net charge-offs to loans0.0998%1,143
Credit loss provision to net charge-offs108.8287%1,504
Earnings coverage of net charge-offs (x)29.6393%1,339
Efficiency ratio53.9069%4,537
Assets per employee ($millions)7.2584%892
Cash dividends to net income (ytd only)*112.9111%507
Condition Ratios (%)
Loss allowance to loans1.1499%2,850
Loan loss allowance to noncurrent loans78.0279%3,728
Noncurrent assets plus other real estate owned to assets1.1725%1,153
Noncurrent loans to loans1.4737%1,096
Net loans and leases to total assets73.1451%1,952
Net loans and leases to deposits95.0396%1,059
Net loans and leases to core deposits100.4524%1,580
Total domestic deposits to total assets76.0480%4,755
Equity capital to assets12.5555%1,702
Core capital (leverage) ratio9.4937%4,138
Tier 1 risk-based capital ratio10.7230%5,100
Total risk-based capital ratio12.5833%4,725
Memoranda:
Average total assets$119,609,282,50027
Average earning assets$107,278,418,50028
Average equity$14,960,074,00026
Average total loans$88,391,701,00019
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3252%3,027
Cost of funding earning assets0.4612%3,601
Net interest margin3.8640%2,451
Noninterest income to average assets1.3002%549
Noninterest expense to average assets2.4310%3,799
Loan and lease loss provision to assets0.1118%1,973
Net operating income to assets1.7057%689
Return on assets (ROA)1.7015%684
Pretax return on assets2.2247%339
Return on Equity (ROE)13.6860%1,134
Retained earnings to average equity (ytd only)3.8718%3,452
Net charge-offs to loans0.1478%1,295
Credit loss provision to net charge-offs102.0006%2,474
Earnings coverage of net charge-offs (x)21.3561%1,948
Efficiency ratio50.4991%4,907
Assets per employee ($millions)7.3212%866
Cash dividends to net income (ytd only)*71.7101%1,001
Condition Ratios (%)
Loss allowance to loans1.1501%2,828
Loan loss allowance to noncurrent loans77.6331%3,792
Noncurrent assets plus other real estate owned to assets1.1735%1,116
Noncurrent loans to loans1.4815%1,032
Net loans and leases to total assets72.9560%2,108
Net loans and leases to deposits95.2398%1,147
Net loans and leases to core deposits100.3674%1,692
Total domestic deposits to total assets75.9052%4,766
Equity capital to assets12.4594%1,596
Core capital (leverage) ratio9.4224%4,207
Tier 1 risk-based capital ratio10.8441%5,047
Total risk-based capital ratio12.7193%4,643
Memoranda:
Average total assets$118,016,739,40025
Average earning assets$106,062,558,40027
Average equity$14,672,578,00025
Average total loans$87,535,326,40018
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2498%3,150
Cost of funding earning assets0.4291%3,669
Net interest margin3.8207%2,565
Noninterest income to average assets1.2871%583
Noninterest expense to average assets2.4281%3,790
Loan and lease loss provision to assets0.1066%1,879
Net operating income to assets1.6594%819
Return on assets (ROA)1.6497%852
Pretax return on assets2.1746%412
Return on Equity (ROE)13.2762%1,339
Retained earnings to average equity (ytd only)4.9284%3,278
Net charge-offs to loans0.1395%1,169
Credit loss provision to net charge-offs102.8401%2,218
Earnings coverage of net charge-offs (x)22.1336%1,894
Efficiency ratio50.9653%4,886
Assets per employee ($millions)7.1808%873
Cash dividends to net income (ytd only)*62.8780%1,092
Condition Ratios (%)
Loss allowance to loans1.1740%2,774
Loan loss allowance to noncurrent loans75.4498%3,901
Noncurrent assets plus other real estate owned to assets1.2476%1,115
Noncurrent loans to loans1.5560%1,027
Net loans and leases to total assets73.4616%2,083
Net loans and leases to deposits94.2288%1,360
Net loans and leases to core deposits98.2484%1,918
Total domestic deposits to total assets77.5485%4,553
Equity capital to assets12.6709%1,485
Core capital (leverage) ratio9.5460%4,119
Tier 1 risk-based capital ratio11.0703%5,001
Total risk-based capital ratio13.0002%4,529
Memoranda:
Average total assets$117,611,887,50025
Average earning assets$105,723,327,50027
Average equity$14,614,225,50025
Average total loans$87,344,844,50018
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1573%3,256
Cost of funding earning assets0.4010%3,713
Net interest margin3.7563%2,725
Noninterest income to average assets1.2661%604
Noninterest expense to average assets2.4142%3,858
Loan and lease loss provision to assets0.1322%1,498
Net operating income to assets1.5942%929
Return on assets (ROA)1.5842%957
Pretax return on assets2.0837%506
Return on Equity (ROE)12.8327%1,426
Retained earnings to average equity (ytd only)6.7931%2,170
Net charge-offs to loans0.1728%903
Credit loss provision to net charge-offs103.0315%1,973
Earnings coverage of net charge-offs (x)17.3713%1,955
Efficiency ratio51.5244%4,933
Assets per employee ($millions)7.2899%833
Cash dividends to net income (ytd only)*47.0643%1,815
Condition Ratios (%)
Loss allowance to loans1.1588%2,937
Loan loss allowance to noncurrent loans79.0021%3,860
Noncurrent assets plus other real estate owned to assets1.1966%1,197
Noncurrent loans to loans1.4668%1,150
Net loans and leases to total assets73.4383%2,050
Net loans and leases to deposits95.7654%1,169
Net loans and leases to core deposits99.0264%1,813
Total domestic deposits to total assets76.4267%4,813
Equity capital to assets12.4796%1,546
Core capital (leverage) ratio9.4656%4,148
Tier 1 risk-based capital ratio10.9506%5,076
Total risk-based capital ratio13.0583%4,503
Memoranda:
Average total assets$118,024,937,00025
Average earning assets$106,093,600,33027
Average equity$14,570,462,33025
Average total loans$87,624,868,33017
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0689%3,339
Cost of funding earning assets0.3741%3,787
Net interest margin3.6948%2,820
Noninterest income to average assets1.2590%585
Noninterest expense to average assets2.4511%3,809
Loan and lease loss provision to assets0.1457%1,278
Net operating income to assets1.5223%1,029
Return on assets (ROA)1.4961%1,097
Pretax return on assets1.9487%643
Return on Equity (ROE)12.1848%1,513
Retained earnings to average equity (ytd only)12.1848%651
Net charge-offs to loans0.1846%792
Credit loss provision to net charge-offs106.3172%1,486
Earnings coverage of net charge-offs (x)15.5283%1,660
Efficiency ratio53.0432%4,877
Assets per employee ($millions)7.3940%809
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.1606%3,037
Loan loss allowance to noncurrent loans74.0839%3,953
Noncurrent assets plus other real estate owned to assets1.2702%1,171
Noncurrent loans to loans1.5666%1,114
Net loans and leases to total assets73.2355%1,992
Net loans and leases to deposits93.5558%1,274
Net loans and leases to core deposits95.9110%1,984
Total domestic deposits to total assets78.0040%4,730
Equity capital to assets12.4348%1,521
Core capital (leverage) ratio9.2907%4,334
Tier 1 risk-based capital ratio10.8396%5,226
Total risk-based capital ratio12.9421%4,637
Memoranda:
Average total assets$118,080,570,00025
Average earning assets$106,092,256,00026
Average equity$14,498,137,00025
Average total loans$87,632,788,50017
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8312%3,944
Cost of funding earning assets0.3303%3,871
Net interest margin3.5008%3,526
Noninterest income to average assets1.2729%657
Noninterest expense to average assets2.2917%4,354
Loan and lease loss provision to assets0.1392%1,647
Net operating income to assets1.2007%1,522
Return on assets (ROA)1.2104%1,515
Pretax return on assets2.0021%489
Return on Equity (ROE)10.0330%1,872
Retained earnings to average equity (ytd only)-1.7078%5,252
Net charge-offs to loans0.1574%1,548
Credit loss provision to net charge-offs120.2267%2,173
Earnings coverage of net charge-offs (x)18.3687%2,080
Efficiency ratio51.2871%5,146
Assets per employee ($millions)7.4031%808
Cash dividends to net income (ytd only)*117.0215%232
Condition Ratios (%)
Loss allowance to loans1.1541%3,030
Loan loss allowance to noncurrent loans71.3928%4,069
Noncurrent assets plus other real estate owned to assets1.3084%1,105
Noncurrent loans to loans1.6166%1,030
Net loans and leases to total assets73.4754%2,006
Net loans and leases to deposits91.8824%1,543
Net loans and leases to core deposits93.9900%2,197
Total domestic deposits to total assets79.7777%4,380
Equity capital to assets12.1215%1,750
Core capital (leverage) ratio8.6219%5,022
Tier 1 risk-based capital ratio10.2378%5,467
Total risk-based capital ratio12.3383%4,981
Memoranda:
Average total assets$120,723,910,60023
Average earning assets$108,454,795,60022
Average equity$14,564,613,20023
Average total loans$88,776,230,00017
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7702%4,101
Cost of funding earning assets0.3211%3,925
Net interest margin3.4490%3,681
Noninterest income to average assets1.2651%656
Noninterest expense to average assets2.2673%4,381
Loan and lease loss provision to assets0.1505%1,389
Net operating income to assets1.2637%1,457
Return on assets (ROA)1.2637%1,488
Pretax return on assets1.9461%615
Return on Equity (ROE)10.4868%1,911
Retained earnings to average equity (ytd only)1.5998%4,788
Net charge-offs to loans0.1688%1,232
Credit loss provision to net charge-offs121.5789%1,988
Earnings coverage of net charge-offs (x)16.9391%2,141
Efficiency ratio51.3456%5,154
Assets per employee ($millions)7.5021%767
Cash dividends to net income (ytd only)*84.7446%536
Condition Ratios (%)
Loss allowance to loans1.1508%3,196
Loan loss allowance to noncurrent loans67.7775%4,184
Noncurrent assets plus other real estate owned to assets1.3531%1,172
Noncurrent loans to loans1.6978%1,065
Net loans and leases to total assets72.3024%2,211
Net loans and leases to deposits91.0865%1,679
Net loans and leases to core deposits93.2834%2,323
Total domestic deposits to total assets79.1493%4,505
Equity capital to assets12.3279%1,762
Core capital (leverage) ratio9.0478%4,690
Tier 1 risk-based capital ratio10.6931%5,373
Total risk-based capital ratio12.9863%4,689
Memoranda:
Average total assets$121,386,844,25023
Average earning assets$109,062,786,50022
Average equity$14,627,730,00023
Average total loans$89,028,543,75016
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7059%4,216
Cost of funding earning assets0.3099%3,975
Net interest margin3.3961%3,786
Noninterest income to average assets1.2552%663
Noninterest expense to average assets2.2912%4,370
Loan and lease loss provision to assets0.1756%1,096
Net operating income to assets1.2046%1,582
Return on assets (ROA)1.2046%1,617
Pretax return on assets1.8407%764
Return on Equity (ROE)10.0722%2,008
Retained earnings to average equity (ytd only)1.1544%4,778
Net charge-offs to loans0.1963%1,027
Credit loss provision to net charge-offs121.8304%1,764
Earnings coverage of net charge-offs (x)13.9918%2,099
Efficiency ratio52.5635%5,132
Assets per employee ($millions)7.5041%738
Cash dividends to net income (ytd only)*88.5387%651
Condition Ratios (%)
Loss allowance to loans1.1302%3,419
Loan loss allowance to noncurrent loans65.4023%4,259
Noncurrent assets plus other real estate owned to assets1.3822%1,143
Noncurrent loans to loans1.7280%1,047
Net loans and leases to total assets72.9656%2,050
Net loans and leases to deposits92.2247%1,463
Net loans and leases to core deposits94.2845%2,127
Total domestic deposits to total assets78.9140%4,634
Equity capital to assets12.1777%1,807
Core capital (leverage) ratio8.8606%4,887
Tier 1 risk-based capital ratio10.4449%5,481
Total risk-based capital ratio12.1892%5,185
Memoranda:
Average total assets$121,890,617,00023
Average earning assets$109,556,057,67022
Average equity$14,577,578,67023
Average total loans$89,477,442,33014
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6370%4,312
Cost of funding earning assets0.3071%3,969
Net interest margin3.3299%3,917
Noninterest income to average assets1.2274%682
Noninterest expense to average assets2.3475%4,270
Loan and lease loss provision to assets0.1794%971
Net operating income to assets1.1387%1,717
Return on assets (ROA)1.1387%1,751
Pretax return on assets1.6945%1,020
Return on Equity (ROE)9.6076%2,138
Retained earnings to average equity (ytd only)0.6655%4,755
Net charge-offs to loans0.1907%898
Credit loss provision to net charge-offs128.4447%1,326
Earnings coverage of net charge-offs (x)13.4191%1,784
Efficiency ratio54.9629%5,044
Assets per employee ($millions)7.6994%700
Cash dividends to net income (ytd only)*93.0736%781
Condition Ratios (%)
Loss allowance to loans1.1195%3,592
Loan loss allowance to noncurrent loans60.9505%4,409
Noncurrent assets plus other real estate owned to assets1.4508%1,132
Noncurrent loans to loans1.8368%1,013
Net loans and leases to total assets71.7671%2,103
Net loans and leases to deposits89.1524%1,649
Net loans and leases to core deposits91.2617%2,233
Total domestic deposits to total assets80.3062%4,559
Equity capital to assets11.8748%1,925
Core capital (leverage) ratio8.6330%5,118
Tier 1 risk-based capital ratio10.2888%5,624
Total risk-based capital ratio12.0149%5,347
Memoranda:
Average total assets$122,657,084,50022
Average earning assets$110,281,466,00021
Average equity$14,537,949,50023
Average total loans$89,804,383,50014
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5055%4,764
Cost of funding earning assets0.3589%3,425
Net interest margin3.1466%4,601
Noninterest income to average assets1.2313%750
Noninterest expense to average assets2.2364%4,685
Loan and lease loss provision to assets0.1527%1,640
Net operating income to assets1.0610%2,083
Return on assets (ROA)1.0767%2,105
Pretax return on assets1.6851%1,043
Return on Equity (ROE)8.8288%2,501
Retained earnings to average equity (ytd only)-4.1069%5,640
Net charge-offs to loans0.1759%1,560
Credit loss provision to net charge-offs121.1848%2,190
Earnings coverage of net charge-offs (x)14.3878%2,297
Efficiency ratio54.4225%5,210
Assets per employee ($millions)7.6287%698
Cash dividends to net income (ytd only)*146.5171%155
Condition Ratios (%)
Loss allowance to loans1.0873%3,781
Loan loss allowance to noncurrent loans58.7353%4,482
Noncurrent assets plus other real estate owned to assets1.4803%1,142
Noncurrent loans to loans1.8511%1,014
Net loans and leases to total assets73.0493%2,008
Net loans and leases to deposits92.0748%1,447
Net loans and leases to core deposits94.4299%2,062
Total domestic deposits to total assets79.1313%4,765
Equity capital to assets11.8303%1,915
Core capital (leverage) ratio8.4075%5,360
Tier 1 risk-based capital ratio10.2580%5,670
Total risk-based capital ratio11.9783%5,381
Memoranda:
Average total assets$123,610,644,00021
Average earning assets$110,717,721,80020
Average equity$15,074,540,60022
Average total loans$88,548,383,80013
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4895%4,837
Cost of funding earning assets0.3576%3,458
Net interest margin3.1319%4,694
Noninterest income to average assets1.2201%776
Noninterest expense to average assets2.2278%4,694
Loan and lease loss provision to assets0.1367%1,717
Net operating income to assets1.0547%2,178
Return on assets (ROA)1.0745%2,204
Pretax return on assets1.6900%1,141
Return on Equity (ROE)8.7464%2,633
Retained earnings to average equity (ytd only)-2.2065%5,605
Net charge-offs to loans0.1618%1,411
Credit loss provision to net charge-offs118.8515%2,103
Earnings coverage of net charge-offs (x)15.6114%2,171
Efficiency ratio54.5240%5,197
Assets per employee ($millions)7.7993%634
Cash dividends to net income (ytd only)*125.2273%200
Condition Ratios (%)
Loss allowance to loans1.0878%3,898
Loan loss allowance to noncurrent loans58.2207%4,555
Noncurrent assets plus other real estate owned to assets1.4484%1,265
Noncurrent loans to loans1.8684%1,082
Net loans and leases to total assets70.0004%2,487
Net loans and leases to deposits88.8209%1,916
Net loans and leases to core deposits91.1940%2,463
Total domestic deposits to total assets78.5983%4,809
Equity capital to assets11.9191%2,172
Core capital (leverage) ratio8.7865%5,067
Tier 1 risk-based capital ratio10.7705%5,490
Total risk-based capital ratio12.7559%4,994
Memoranda:
Average total assets$123,855,388,25020
Average earning assets$110,869,383,00019
Average equity$15,216,266,00022
Average total loans$88,043,924,50013
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5192%4,814
Cost of funding earning assets0.3516%3,548
Net interest margin3.1676%4,648
Noninterest income to average assets1.2083%773
Noninterest expense to average assets2.2619%4,707
Loan and lease loss provision to assets0.1305%1,750
Net operating income to assets1.0475%2,194
Return on assets (ROA)1.0478%2,318
Pretax return on assets1.6481%1,226
Return on Equity (ROE)8.4426%2,774
Retained earnings to average equity (ytd only)1.2403%4,886
Net charge-offs to loans0.1502%1,427
Credit loss provision to net charge-offs122.0643%1,842
Earnings coverage of net charge-offs (x)16.6316%1,921
Efficiency ratio55.0893%5,232
Assets per employee ($millions)7.5512%685
Cash dividends to net income (ytd only)*85.3091%783
Condition Ratios (%)
Loss allowance to loans1.0956%3,969
Loan loss allowance to noncurrent loans56.4055%4,664
Noncurrent assets plus other real estate owned to assets1.5605%1,204
Noncurrent loans to loans1.9423%1,036
Net loans and leases to total assets70.8401%2,345
Net loans and leases to deposits91.1124%1,620
Net loans and leases to core deposits93.6064%2,201
Total domestic deposits to total assets77.5609%5,074
Equity capital to assets12.5052%1,768
Core capital (leverage) ratio9.1440%4,670
Tier 1 risk-based capital ratio11.2437%5,295
Total risk-based capital ratio13.2506%4,740
Memoranda:
Average total assets$123,060,802,00020
Average earning assets$110,012,009,33019
Average equity$15,272,824,67022
Average total loans$87,611,992,33013
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5258%4,827
Cost of funding earning assets0.3411%3,703
Net interest margin3.1846%4,627
Noninterest income to average assets1.1608%819
Noninterest expense to average assets2.3024%4,657
Loan and lease loss provision to assets0.1585%1,320
Net operating income to assets0.9860%2,343
Return on assets (ROA)0.9860%2,457
Pretax return on assets1.5455%1,451
Return on Equity (ROE)7.9747%2,925
Retained earnings to average equity (ytd only)2.0577%4,432
Net charge-offs to loans0.1926%1,020
Credit loss provision to net charge-offs115.9748%1,470
Earnings coverage of net charge-offs (x)12.4680%1,792
Efficiency ratio56.5369%5,148
Assets per employee ($millions)7.6372%661
Cash dividends to net income (ytd only)*74.1972%1,100
Condition Ratios (%)
Loss allowance to loans1.0951%4,083
Loan loss allowance to noncurrent loans52.4862%4,765
Noncurrent assets plus other real estate owned to assets1.6406%1,201
Noncurrent loans to loans2.0864%1,012
Net loans and leases to total assets69.8324%2,373
Net loans and leases to deposits90.8123%1,483
Net loans and leases to core deposits93.3386%2,063
Total domestic deposits to total assets76.7311%5,328
Equity capital to assets12.3552%1,779
Core capital (leverage) ratio9.1489%4,657
Tier 1 risk-based capital ratio11.3320%5,326
Total risk-based capital ratio13.3473%4,756
Memoranda:
Average total assets$123,026,050,00020
Average earning assets$109,929,280,00019
Average equity$15,210,396,50022
Average total loans$87,322,059,00013
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4981%4,924
Cost of funding earning assets0.3251%3,966
Net interest margin3.1730%4,706
Noninterest income to average assets1.5056%551
Noninterest expense to average assets2.5107%4,196
Loan and lease loss provision to assets0.1666%1,379
Net operating income to assets1.0567%2,099
Return on assets (ROA)1.0567%2,181
Pretax return on assets1.6376%1,144
Return on Equity (ROE)8.6779%2,636
Retained earnings to average equity (ytd only)4.6458%2,682
Net charge-offs to loans0.1872%1,544
Credit loss provision to net charge-offs127.3412%2,043
Earnings coverage of net charge-offs (x)13.7899%2,348
Efficiency ratio57.6801%5,175
Assets per employee ($millions)7.4085%742
Cash dividends to net income (ytd only)*46.4635%2,503
Condition Ratios (%)
Loss allowance to loans1.0923%4,089
Loan loss allowance to noncurrent loans53.5088%4,780
Noncurrent assets plus other real estate owned to assets1.6378%1,197
Noncurrent loans to loans2.0413%1,012
Net loans and leases to total assets70.5776%2,284
Net loans and leases to deposits92.5651%1,340
Net loans and leases to core deposits95.3573%1,903
Total domestic deposits to total assets76.0781%5,435
Equity capital to assets12.3720%1,687
Core capital (leverage) ratio9.7506%3,834
Tier 1 risk-based capital ratio11.3283%5,364
Total risk-based capital ratio13.3531%4,786
Memoranda:
Average total assets$101,840,239,40024
Average earning assets$90,167,914,40023
Average equity$12,400,683,00024
Average total loans$71,180,940,20019
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5174%4,940
Cost of funding earning assets0.3192%4,116
Net interest margin3.1983%4,673
Noninterest income to average assets1.5772%508
Noninterest expense to average assets2.5376%4,087
Loan and lease loss provision to assets0.1543%1,409
Net operating income to assets1.0968%2,024
Return on assets (ROA)1.0968%2,106
Pretax return on assets1.7110%1,077
Return on Equity (ROE)9.0531%2,548
Retained earnings to average equity (ytd only)4.5043%3,264
Net charge-offs to loans0.1935%1,319
Credit loss provision to net charge-offs114.8789%2,059
Earnings coverage of net charge-offs (x)13.8874%2,286
Efficiency ratio57.2110%5,204
Assets per employee ($millions)6.4872%1,075
Cash dividends to net income (ytd only)*50.2463%1,854
Condition Ratios (%)
Loss allowance to loans1.3642%2,765
Loan loss allowance to noncurrent loans82.0990%4,115
Noncurrent assets plus other real estate owned to assets1.2668%1,845
Noncurrent loans to loans1.6616%1,472
Net loans and leases to total assets69.2281%2,501
Net loans and leases to deposits90.8282%1,547
Net loans and leases to core deposits93.1438%2,162
Total domestic deposits to total assets75.9702%5,487
Equity capital to assets12.3402%1,844
Core capital (leverage) ratio9.1139%4,856
Tier 1 risk-based capital ratio10.5389%5,867
Total risk-based capital ratio13.0585%5,118
Memoranda:
Average total assets$96,775,377,50025
Average earning assets$85,505,761,75025
Average equity$11,724,300,75026
Average total loans$67,194,489,00020
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4919%5,006
Cost of funding earning assets0.3150%4,222
Net interest margin3.1769%4,725
Noninterest income to average assets1.5777%517
Noninterest expense to average assets2.5889%3,941
Loan and lease loss provision to assets0.1407%1,549
Net operating income to assets1.0556%2,120
Return on assets (ROA)1.0556%2,232
Pretax return on assets1.6522%1,186
Return on Equity (ROE)8.7676%2,675
Retained earnings to average equity (ytd only)3.6121%3,730
Net charge-offs to loans0.1715%1,438
Credit loss provision to net charge-offs118.5743%1,825
Earnings coverage of net charge-offs (x)15.1107%1,996
Efficiency ratio58.5962%5,155
Assets per employee ($millions)6.4706%1,068
Cash dividends to net income (ytd only)*58.8019%1,581
Condition Ratios (%)
Loss allowance to loans1.3671%2,904
Loan loss allowance to noncurrent loans79.6556%4,220
Noncurrent assets plus other real estate owned to assets1.2996%1,932
Noncurrent loans to loans1.7163%1,501
Net loans and leases to total assets69.2868%2,444
Net loans and leases to deposits90.6218%1,522
Net loans and leases to core deposits92.7016%2,091
Total domestic deposits to total assets76.2391%5,571
Equity capital to assets12.1685%1,901
Core capital (leverage) ratio8.9967%4,973
Tier 1 risk-based capital ratio10.3548%5,972
Total risk-based capital ratio12.8796%5,301
Memoranda:
Average total assets$96,664,837,33025
Average earning assets$85,321,503,67025
Average equity$11,637,989,33026
Average total loans$66,874,290,33020
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4371%5,125
Cost of funding earning assets0.3049%4,388
Net interest margin3.1322%4,845
Noninterest income to average assets1.5274%523
Noninterest expense to average assets2.5564%4,074
Loan and lease loss provision to assets0.1570%1,295
Net operating income to assets1.0140%2,198
Return on assets (ROA)1.0140%2,333
Pretax return on assets1.5761%1,329
Return on Equity (ROE)8.4677%2,716
Retained earnings to average equity (ytd only)3.2913%4,011
Net charge-offs to loans0.2177%1,075
Credit loss provision to net charge-offs105.0972%1,561
Earnings coverage of net charge-offs (x)11.5992%1,853
Efficiency ratio59.0726%5,214
Assets per employee ($millions)6.6632%991
Cash dividends to net income (ytd only)*61.1312%1,400
Condition Ratios (%)
Loss allowance to loans1.3755%3,039
Loan loss allowance to noncurrent loans78.7218%4,212
Noncurrent assets plus other real estate owned to assets1.2860%2,071
Noncurrent loans to loans1.7473%1,561
Net loans and leases to total assets67.3312%2,555
Net loans and leases to deposits87.7810%1,635
Net loans and leases to core deposits89.7637%2,153
Total domestic deposits to total assets76.4802%5,687
Equity capital to assets11.9466%2,066
Core capital (leverage) ratio9.0227%4,924
Tier 1 risk-based capital ratio10.3344%6,067
Total risk-based capital ratio12.8846%5,386
Memoranda:
Average total assets$96,791,652,00025
Average earning assets$85,357,836,50024
Average equity$11,591,066,00026
Average total loans$66,448,365,00020
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6995%4,780
Cost of funding earning assets0.2789%5,015
Net interest margin3.4206%4,106
Noninterest income to average assets1.6500%467
Noninterest expense to average assets2.6864%3,916
Loan and lease loss provision to assets0.1355%1,933
Net operating income to assets1.2146%1,545
Return on assets (ROA)1.2146%1,600
Pretax return on assets1.8154%770
Return on Equity (ROE)9.7829%2,204
Retained earnings to average equity (ytd only)5.3532%2,367
Net charge-offs to loans0.1858%2,186
Credit loss provision to net charge-offs102.6866%2,332
Earnings coverage of net charge-offs (x)14.7887%2,128
Efficiency ratio57.2764%5,536
Assets per employee ($millions)6.5137%1,042
Cash dividends to net income (ytd only)*45.2796%2,547
Condition Ratios (%)
Loss allowance to loans1.3821%3,031
Loan loss allowance to noncurrent loans72.9521%4,428
Noncurrent assets plus other real estate owned to assets1.3950%1,996
Noncurrent loans to loans1.8945%1,489
Net loans and leases to total assets68.0843%2,546
Net loans and leases to deposits87.2766%1,817
Net loans and leases to core deposits89.1742%2,367
Total domestic deposits to total assets77.7827%5,474
Equity capital to assets12.0044%2,016
Core capital (leverage) ratio8.5558%5,491
Tier 1 risk-based capital ratio10.4555%6,122
Total risk-based capital ratio13.0620%5,395
Memoranda:
Average total assets$90,913,700,60025
Average earning assets$79,395,097,40026
Average equity$11,287,598,80026
Average total loans$64,561,771,60019
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7299%4,773
Cost of funding earning assets0.2733%5,173
Net interest margin3.4565%3,994
Noninterest income to average assets1.6618%472
Noninterest expense to average assets2.7401%3,672
Loan and lease loss provision to assets0.1343%1,862
Net operating income to assets1.2106%1,644
Return on assets (ROA)1.2106%1,710
Pretax return on assets1.7988%898
Return on Equity (ROE)9.6646%2,366
Retained earnings to average equity (ytd only)4.9159%3,145
Net charge-offs to loans0.1828%1,997
Credit loss provision to net charge-offs102.6545%2,149
Earnings coverage of net charge-offs (x)14.7782%2,113
Efficiency ratio57.9409%5,453
Assets per employee ($millions)6.5710%987
Cash dividends to net income (ytd only)*49.1353%1,876
Condition Ratios (%)
Loss allowance to loans1.4043%3,148
Loan loss allowance to noncurrent loans64.8282%4,644
Noncurrent assets plus other real estate owned to assets1.5993%1,900
Noncurrent loans to loans2.1662%1,415
Net loans and leases to total assets66.5457%2,765
Net loans and leases to deposits84.9425%2,039
Net loans and leases to core deposits86.8145%2,570
Total domestic deposits to total assets78.0542%5,521
Equity capital to assets11.9272%2,123
Core capital (leverage) ratio8.8457%5,274
Tier 1 risk-based capital ratio10.3900%6,241
Total risk-based capital ratio13.1991%5,436
Memoranda:
Average total assets$89,661,984,75026
Average earning assets$78,114,606,50027
Average equity$11,230,817,00027
Average total loans$64,146,685,00020
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8170%4,460
Cost of funding earning assets0.2631%5,354
Net interest margin3.5538%3,554
Noninterest income to average assets1.6889%454
Noninterest expense to average assets2.8333%3,391
Loan and lease loss provision to assets0.1406%1,759
Net operating income to assets1.2161%1,546
Return on assets (ROA)1.2161%1,602
Pretax return on assets1.7983%846
Return on Equity (ROE)9.5409%2,357
Retained earnings to average equity (ytd only)4.1545%3,528
Net charge-offs to loans0.1886%1,903
Credit loss provision to net charge-offs102.1239%1,945
Earnings coverage of net charge-offs (x)14.0806%1,934
Efficiency ratio58.6129%5,478
Assets per employee ($millions)6.0840%1,230
Cash dividends to net income (ytd only)*56.4563%1,662
Condition Ratios (%)
Loss allowance to loans1.4211%3,240
Loan loss allowance to noncurrent loans63.2461%4,713
Noncurrent assets plus other real estate owned to assets1.7391%1,872
Noncurrent loans to loans2.2470%1,453
Net loans and leases to total assets70.3449%2,026
Net loans and leases to deposits89.1484%1,457
Net loans and leases to core deposits91.3950%1,989
Total domestic deposits to total assets78.6044%5,531
Equity capital to assets12.5898%1,590
Core capital (leverage) ratio8.9295%5,115
Tier 1 risk-based capital ratio10.2548%6,321
Total risk-based capital ratio13.0756%5,563
Memoranda:
Average total assets$87,392,808,67027
Average earning assets$75,823,264,33027
Average equity$11,139,044,33027
Average total loans$63,825,362,67020
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8487%4,294
Cost of funding earning assets0.2588%5,509
Net interest margin3.5899%3,293
Noninterest income to average assets1.6350%461
Noninterest expense to average assets2.9507%3,046
Loan and lease loss provision to assets0.1487%1,633
Net operating income to assets1.0988%1,821
Return on assets (ROA)1.0988%1,884
Pretax return on assets1.6473%1,075
Return on Equity (ROE)8.5660%2,664
Retained earnings to average equity (ytd only)3.1308%4,247
Net charge-offs to loans0.2008%1,535
Credit loss provision to net charge-offs100.2381%1,648
Earnings coverage of net charge-offs (x)12.1042%1,740
Efficiency ratio61.3608%5,222
Assets per employee ($millions)5.9531%1,336
Cash dividends to net income (ytd only)*63.4504%1,317
Condition Ratios (%)
Loss allowance to loans1.4331%3,449
Loan loss allowance to noncurrent loans61.9118%4,768
Noncurrent assets plus other real estate owned to assets1.8282%1,906
Noncurrent loans to loans2.3148%1,533
Net loans and leases to total assets71.4862%1,653
Net loans and leases to deposits89.8171%1,171
Net loans and leases to core deposits91.9377%1,739
Total domestic deposits to total assets79.2729%5,636
Equity capital to assets12.6685%1,474
Core capital (leverage) ratio9.1000%4,871
Tier 1 risk-based capital ratio10.2032%6,426
Total risk-based capital ratio13.0998%5,665
Memoranda:
Average total assets$86,058,223,00027
Average earning assets$74,594,355,50028
Average equity$11,039,260,50026
Average total loans$63,604,375,00020
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0743%3,834
Cost of funding earning assets0.2719%5,817
Net interest margin3.8024%2,649
Noninterest income to average assets1.8577%439
Noninterest expense to average assets2.8657%3,475
Loan and lease loss provision to assets0.2230%1,635
Net operating income to assets1.3722%1,083
Return on assets (ROA)1.4117%1,040
Pretax return on assets2.1340%357
Return on Equity (ROE)11.0540%1,750
Retained earnings to average equity (ytd only)4.4393%3,015
Net charge-offs to loans0.2817%2,287
Credit loss provision to net charge-offs101.4131%2,382
Earnings coverage of net charge-offs (x)10.4462%2,363
Efficiency ratio54.6032%6,085
Assets per employee ($millions)5.7090%1,466
Cash dividends to net income (ytd only)*59.8396%1,768
Condition Ratios (%)
Loss allowance to loans1.4348%3,490
Loan loss allowance to noncurrent loans58.9473%4,905
Noncurrent assets plus other real estate owned to assets1.9729%1,820
Noncurrent loans to loans2.4341%1,570
Net loans and leases to total assets74.2660%1,304
Net loans and leases to deposits91.8954%1,063
Net loans and leases to core deposits94.3250%1,579
Total domestic deposits to total assets80.4033%5,345
Equity capital to assets12.9932%1,277
Core capital (leverage) ratio9.0932%4,865
Tier 1 risk-based capital ratio10.0767%6,498
Total risk-based capital ratio12.9650%5,729
Memoranda:
Average total assets$82,865,780,20027
Average earning assets$72,028,305,20028
Average equity$10,582,536,40026
Average total loans$64,693,491,40017
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0957%3,776
Cost of funding earning assets0.2768%5,914
Net interest margin3.8189%2,577
Noninterest income to average assets1.8821%455
Noninterest expense to average assets2.7480%3,840
Loan and lease loss provision to assets0.2315%1,566
Net operating income to assets1.4666%953
Return on assets (ROA)1.5195%913
Pretax return on assets2.3064%314
Return on Equity (ROE)11.9518%1,484
Retained earnings to average equity (ytd only)4.9598%3,115
Net charge-offs to loans0.2898%2,088
Credit loss provision to net charge-offs101.4447%2,307
Earnings coverage of net charge-offs (x)10.7686%2,320
Efficiency ratio51.8541%6,264
Assets per employee ($millions)5.6428%1,505
Cash dividends to net income (ytd only)*58.5019%1,522
Condition Ratios (%)
Loss allowance to loans1.4437%3,714
Loan loss allowance to noncurrent loans56.3702%4,965
Noncurrent assets plus other real estate owned to assets2.0768%1,930
Noncurrent loans to loans2.5611%1,676
Net loans and leases to total assets74.4162%1,229
Net loans and leases to deposits92.1257%975
Net loans and leases to core deposits94.9199%1,486
Total domestic deposits to total assets80.3683%5,400
Equity capital to assets12.8448%1,396
Core capital (leverage) ratio9.1160%4,945
Tier 1 risk-based capital ratio10.0352%6,594
Total risk-based capital ratio13.0353%5,863
Memoranda:
Average total assets$82,491,642,00027
Average earning assets$71,794,065,25028
Average equity$10,487,826,75026
Average total loans$64,975,727,00017
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1003%3,733
Cost of funding earning assets0.2810%5,976
Net interest margin3.8194%2,479
Noninterest income to average assets1.8335%505
Noninterest expense to average assets2.6858%4,085
Loan and lease loss provision to assets0.2320%1,612
Net operating income to assets1.4758%941
Return on assets (ROA)1.5555%881
Pretax return on assets2.3674%320
Return on Equity (ROE)12.2780%1,412
Retained earnings to average equity (ytd only)4.5885%3,349
Net charge-offs to loans0.2859%2,056
Credit loss provision to net charge-offs101.6065%2,177
Earnings coverage of net charge-offs (x)10.8559%2,114
Efficiency ratio51.0009%6,356
Assets per employee ($millions)5.7690%1,368
Cash dividends to net income (ytd only)*62.6288%1,420
Condition Ratios (%)
Loss allowance to loans1.4091%3,992
Loan loss allowance to noncurrent loans55.1780%4,997
Noncurrent assets plus other real estate owned to assets2.1608%1,999
Noncurrent loans to loans2.5537%1,804
Net loans and leases to total assets78.3091%710
Net loans and leases to deposits97.0342%603
Net loans and leases to core deposits100.2053%1,061
Total domestic deposits to total assets80.3259%5,532
Equity capital to assets12.8087%1,418
Core capital (leverage) ratio8.9908%5,003
Tier 1 risk-based capital ratio9.6479%6,704
Total risk-based capital ratio12.6163%6,135
Memoranda:
Average total assets$82,116,994,00026
Average earning assets$71,613,898,67028
Average equity$10,403,685,33026
Average total loans$65,589,276,67017
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0565%3,898
Cost of funding earning assets0.2800%6,108
Net interest margin3.7765%2,534
Noninterest income to average assets1.8085%500
Noninterest expense to average assets2.7691%3,802
Loan and lease loss provision to assets0.1852%1,993
Net operating income to assets1.4100%1,007
Return on assets (ROA)1.3801%1,160
Pretax return on assets2.0958%496
Return on Equity (ROE)10.9538%1,727
Retained earnings to average equity (ytd only)3.2092%4,328
Net charge-offs to loans0.2227%2,097
Credit loss provision to net charge-offs103.7821%1,777
Earnings coverage of net charge-offs (x)13.0395%1,555
Efficiency ratio53.2972%6,276
Assets per employee ($millions)5.8525%1,370
Cash dividends to net income (ytd only)*70.7021%1,067
Condition Ratios (%)
Loss allowance to loans1.4105%4,179
Loan loss allowance to noncurrent loans51.8265%5,084
Noncurrent assets plus other real estate owned to assets2.5707%1,783
Noncurrent loans to loans2.7216%1,879
Net loans and leases to total assets78.6841%542
Net loans and leases to deposits97.6756%462
Net loans and leases to core deposits100.6359%913
Total domestic deposits to total assets80.2030%5,711
Equity capital to assets12.6905%1,596
Core capital (leverage) ratio8.9164%5,032
Tier 1 risk-based capital ratio9.1740%6,794
Total risk-based capital ratio12.1236%6,427
Memoranda:
Average total assets$81,987,367,50026
Average earning assets$71,360,159,50028
Average equity$10,329,862,50026
Average total loans$65,668,879,50017
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2449%4,421
Cost of funding earning assets0.3470%6,235
Net interest margin3.8979%2,836
Noninterest income to average assets1.8096%508
Noninterest expense to average assets2.8177%3,958
Loan and lease loss provision to assets0.2559%2,607
Net operating income to assets1.3915%1,113
Return on assets (ROA)1.3603%1,303
Pretax return on assets2.0580%537
Return on Equity (ROE)10.8479%1,855
Retained earnings to average equity (ytd only)3.8207%3,515
Net charge-offs to loans0.2974%3,161
Credit loss provision to net charge-offs109.7065%2,669
Earnings coverage of net charge-offs (x)10.1235%2,177
Efficiency ratio53.1863%6,359
Assets per employee ($millions)5.9397%1,328
Cash dividends to net income (ytd only)*64.7796%1,566
Condition Ratios (%)
Loss allowance to loans1.3950%4,193
Loan loss allowance to noncurrent loans51.6042%5,047
Noncurrent assets plus other real estate owned to assets2.5542%1,905
Noncurrent loans to loans2.7033%1,955
Net loans and leases to total assets79.2608%541
Net loans and leases to deposits97.9889%508
Net loans and leases to core deposits102.5169%861
Total domestic deposits to total assets79.5883%5,760
Equity capital to assets12.5084%1,708
Core capital (leverage) ratio8.8356%5,121
Tier 1 risk-based capital ratio8.9220%6,858
Total risk-based capital ratio11.8410%6,490
Memoranda:
Average total assets$79,435,867,60026
Average earning assets$68,660,978,20029
Average equity$9,961,258,80026
Average total loans$62,298,674,20018
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2613%4,601
Cost of funding earning assets0.3619%6,321
Net interest margin3.8995%2,914
Noninterest income to average assets1.7601%507
Noninterest expense to average assets2.8463%3,815
Loan and lease loss provision to assets0.2614%2,483
Net operating income to assets1.3348%1,364
Return on assets (ROA)1.3065%1,568
Pretax return on assets1.9790%733
Return on Equity (ROE)10.4118%2,172
Retained earnings to average equity (ytd only)2.9931%4,757
Net charge-offs to loans0.3070%2,909
Credit loss provision to net charge-offs109.2809%2,688
Earnings coverage of net charge-offs (x)9.5447%2,313
Efficiency ratio54.2075%6,230
Assets per employee ($millions)5.7799%1,390
Cash dividends to net income (ytd only)*71.2526%885
Condition Ratios (%)
Loss allowance to loans1.4416%4,190
Loan loss allowance to noncurrent loans53.5932%4,955
Noncurrent assets plus other real estate owned to assets2.5353%2,083
Noncurrent loans to loans2.6898%2,108
Net loans and leases to total assets78.1129%719
Net loans and leases to deposits96.7831%608
Net loans and leases to core deposits102.2100%970
Total domestic deposits to total assets78.9415%5,880
Equity capital to assets12.6178%1,811
Core capital (leverage) ratio8.7029%5,471
Tier 1 risk-based capital ratio9.0072%6,937
Total risk-based capital ratio12.0911%6,527
Memoranda:
Average total assets$78,773,329,25027
Average earning assets$68,066,665,00029
Average equity$9,884,671,75026
Average total loans$61,377,711,00018
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2505%4,761
Cost of funding earning assets0.3763%6,397
Net interest margin3.8742%3,018
Noninterest income to average assets1.6889%528
Noninterest expense to average assets2.9000%3,618
Loan and lease loss provision to assets0.2773%2,370
Net operating income to assets1.2306%1,609
Return on assets (ROA)1.1975%1,926
Pretax return on assets1.8070%1,028
Return on Equity (ROE)9.5610%2,550
Retained earnings to average equity (ytd only)1.4053%5,492
Net charge-offs to loans0.3287%2,715
Credit loss provision to net charge-offs108.9060%2,502
Earnings coverage of net charge-offs (x)8.3820%2,303
Efficiency ratio56.2276%6,087
Assets per employee ($millions)5.6613%1,470
Cash dividends to net income (ytd only)*85.3022%690
Condition Ratios (%)
Loss allowance to loans1.4641%4,184
Loan loss allowance to noncurrent loans52.5597%4,973
Noncurrent assets plus other real estate owned to assets2.4635%2,266
Noncurrent loans to loans2.7856%2,152
Net loans and leases to total assets76.8160%863
Net loans and leases to deposits96.8054%581
Net loans and leases to core deposits100.8055%1,049
Total domestic deposits to total assets78.8760%5,982
Equity capital to assets12.4023%1,875
Core capital (leverage) ratio8.5029%5,648
Tier 1 risk-based capital ratio8.8635%6,992
Total risk-based capital ratio11.9689%6,594
Memoranda:
Average total assets$78,318,384,33027
Average earning assets$67,631,243,67028
Average equity$9,808,995,33027
Average total loans$60,665,664,33018
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2298%4,997
Cost of funding earning assets0.3883%6,467
Net interest margin3.8415%3,178
Noninterest income to average assets1.6589%535
Noninterest expense to average assets2.9742%3,363
Loan and lease loss provision to assets0.2517%2,437
Net operating income to assets1.1620%1,850
Return on assets (ROA)1.1311%2,134
Pretax return on assets1.6979%1,308
Return on Equity (ROE)8.9860%2,843
Retained earnings to average equity (ytd only)0.7910%5,742
Net charge-offs to loans0.3210%2,365
Credit loss provision to net charge-offs101.5524%2,264
Earnings coverage of net charge-offs (x)8.0522%2,007
Efficiency ratio58.4053%5,861
Assets per employee ($millions)5.4594%1,732
Cash dividends to net income (ytd only)*91.1972%648
Condition Ratios (%)
Loss allowance to loans1.4979%4,162
Loan loss allowance to noncurrent loans48.8732%5,135
Noncurrent assets plus other real estate owned to assets2.6945%2,187
Noncurrent loans to loans3.0649%2,098
Net loans and leases to total assets75.9315%805
Net loans and leases to deposits96.0837%530
Net loans and leases to core deposits100.7752%941
Total domestic deposits to total assets78.5031%6,188
Equity capital to assets12.5208%1,710
Core capital (leverage) ratio8.6500%5,380
Tier 1 risk-based capital ratio8.9070%7,040
Total risk-based capital ratio12.1515%6,567
Memoranda:
Average total assets$77,554,419,50027
Average earning assets$66,845,093,50027
Average equity$9,762,103,50027
Average total loans$59,875,452,50018
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4199%5,346
Cost of funding earning assets0.4686%6,659
Net interest margin3.9513%3,098
Noninterest income to average assets1.7831%450
Noninterest expense to average assets3.0695%3,313
Loan and lease loss provision to assets0.3671%2,792
Net operating income to assets1.2041%1,503
Return on assets (ROA)1.2980%1,356
Pretax return on assets1.8701%708
Return on Equity (ROE)10.1232%2,022
Retained earnings to average equity (ytd only)10.1232%535
Net charge-offs to loans0.4713%3,102
Credit loss provision to net charge-offs102.1086%3,394
Earnings coverage of net charge-offs (x)5.8440%2,666
Efficiency ratio57.9203%6,067
Assets per employee ($millions)5.2993%1,829
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.5180%3,942
Loan loss allowance to noncurrent loans46.3186%5,230
Noncurrent assets plus other real estate owned to assets2.8891%2,090
Noncurrent loans to loans3.2772%1,976
Net loans and leases to total assets76.1510%929
Net loans and leases to deposits97.4796%587
Net loans and leases to core deposits102.5301%991
Total domestic deposits to total assets77.6394%6,250
Equity capital to assets12.6552%1,693
Core capital (leverage) ratio8.5436%5,489
Tier 1 risk-based capital ratio8.8737%7,047
Total risk-based capital ratio12.1267%6,499
Memoranda:
Average total assets$72,822,470,60026
Average earning assets$62,432,605,20027
Average equity$9,337,190,60026
Average total loans$55,550,444,80019
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4453%5,445
Cost of funding earning assets0.4840%6,767
Net interest margin3.9613%3,098
Noninterest income to average assets1.8392%431
Noninterest expense to average assets3.0366%3,416
Loan and lease loss provision to assets0.3602%2,705
Net operating income to assets1.2685%1,458
Return on assets (ROA)1.4153%1,198
Pretax return on assets2.0488%570
Return on Equity (ROE)11.0000%1,861
Retained earnings to average equity (ytd only)11.0000%631
Net charge-offs to loans0.4603%2,894
Credit loss provision to net charge-offs102.9691%3,234
Earnings coverage of net charge-offs (x)6.2782%2,581
Efficiency ratio56.6067%6,193
Assets per employee ($millions)5.2856%1,832
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.5632%3,833
Loan loss allowance to noncurrent loans46.4691%5,227
Noncurrent assets plus other real estate owned to assets2.9069%2,223
Noncurrent loans to loans3.3640%2,053
Net loans and leases to total assets74.0799%1,319
Net loans and leases to deposits94.7406%777
Net loans and leases to core deposits100.7741%1,181
Total domestic deposits to total assets77.5045%6,297
Equity capital to assets12.8457%1,689
Core capital (leverage) ratio8.6602%5,475
Tier 1 risk-based capital ratio9.0039%7,113
Total risk-based capital ratio12.3048%6,497
Memoranda:
Average total assets$71,806,317,75026
Average earning assets$61,518,318,75027
Average equity$9,238,930,75027
Average total loans$54,574,864,75020
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4589%5,493
Cost of funding earning assets0.4947%6,860
Net interest margin3.9642%3,016
Noninterest income to average assets1.8508%401
Noninterest expense to average assets2.9158%3,962
Loan and lease loss provision to assets0.3895%2,464
Net operating income to assets1.3474%1,198
Return on assets (ROA)1.5826%800
Pretax return on assets2.2784%361
Return on Equity (ROE)12.2929%1,411
Retained earnings to average equity (ytd only)12.2929%484
Net charge-offs to loans0.4936%2,622
Credit loss provision to net charge-offs103.4616%2,985
Earnings coverage of net charge-offs (x)6.1814%2,448
Efficiency ratio54.2609%6,598
Assets per employee ($millions)5.4070%1,649
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.5581%3,871
Loan loss allowance to noncurrent loans53.3464%4,820
Noncurrent assets plus other real estate owned to assets2.4948%2,673
Noncurrent loans to loans2.9207%2,500
Net loans and leases to total assets74.4914%1,327
Net loans and leases to deposits95.6316%756
Net loans and leases to core deposits102.8658%1,124
Total domestic deposits to total assets77.1578%6,429
Equity capital to assets12.0763%2,044
Core capital (leverage) ratio8.3545%5,778
Tier 1 risk-based capital ratio8.1211%7,239
Total risk-based capital ratio11.4104%6,918
Memoranda:
Average total assets$70,168,462,67028
Average earning assets$60,041,690,00029
Average equity$9,033,500,33028
Average total loans$53,520,971,33021
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6126%4,891
Cost of funding earning assets0.5144%6,921
Net interest margin4.0982%2,276
Noninterest income to average assets1.6583%495
Noninterest expense to average assets2.8781%4,154
Loan and lease loss provision to assets0.4423%1,993
Net operating income to assets1.2189%1,479
Return on assets (ROA)1.3147%1,281
Pretax return on assets1.9780%578
Return on Equity (ROE)9.8635%2,142
Retained earnings to average equity (ytd only)9.8635%1,147
Net charge-offs to loans0.5718%2,057
Credit loss provision to net charge-offs100.9427%2,616
Earnings coverage of net charge-offs (x)5.1928%2,317
Efficiency ratio54.4243%6,656
Assets per employee ($millions)5.2757%1,795
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.7456%3,194
Loan loss allowance to noncurrent loans61.1489%4,357
Noncurrent assets plus other real estate owned to assets2.5425%2,687
Noncurrent loans to loans2.8546%2,640
Net loans and leases to total assets75.4287%1,122
Net loans and leases to deposits99.6663%485
Net loans and leases to core deposits106.4854%917
Total domestic deposits to total assets74.0787%6,889
Equity capital to assets13.4056%1,218
Core capital (leverage) ratio8.6770%5,128
Tier 1 risk-based capital ratio8.8112%7,236
Total risk-based capital ratio12.4605%6,311
Memoranda:
Average total assets$67,020,090,00029
Average earning assets$57,153,165,00029
Average equity$8,933,171,50029
Average total loans$51,350,690,00022
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6782%5,870
Cost of funding earning assets0.6239%7,072
Net interest margin4.0543%2,783
Noninterest income to average assets1.7003%511
Noninterest expense to average assets2.7257%4,874
Loan and lease loss provision to assets0.5379%2,998
Net operating income to assets1.2696%1,250
Return on assets (ROA)1.2108%1,463
Pretax return on assets1.8108%740
Return on Equity (ROE)9.3887%2,147
Retained earnings to average equity (ytd only)9.3887%622
Net charge-offs to loans0.6735%2,988
Credit loss provision to net charge-offs106.1507%4,213
Earnings coverage of net charge-offs (x)4.8081%2,796
Efficiency ratio51.1305%7,051
Assets per employee ($millions)5.2452%1,810
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.7492%3,033
Loan loss allowance to noncurrent loans59.7938%4,443
Noncurrent assets plus other real estate owned to assets2.5823%2,699
Noncurrent loans to loans2.9254%2,606
Net loans and leases to total assets75.1334%1,449
Net loans and leases to deposits101.1034%522
Net loans and leases to core deposits109.5427%946
Total domestic deposits to total assets71.9120%7,089
Equity capital to assets13.2526%1,277
Core capital (leverage) ratio8.4649%5,424
Tier 1 risk-based capital ratio8.6195%7,295
Total risk-based capital ratio12.2553%6,296
Memoranda:
Average total assets$67,376,201,40026
Average earning assets$57,531,386,00030
Average equity$8,689,121,20028
Average total loans$50,694,182,00020
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6735%6,110
Cost of funding earning assets0.6389%7,204
Net interest margin4.0345%2,935
Noninterest income to average assets1.6602%508
Noninterest expense to average assets2.7315%4,750
Loan and lease loss provision to assets0.5507%2,742
Net operating income to assets1.2218%1,533
Return on assets (ROA)1.1721%1,764
Pretax return on assets1.7464%1,019
Return on Equity (ROE)9.1517%2,437
Retained earnings to average equity (ytd only)9.1517%1,008
Net charge-offs to loans0.7001%2,665
Credit loss provision to net charge-offs104.9763%4,081
Earnings coverage of net charge-offs (x)4.5201%3,020
Efficiency ratio51.7935%7,000
Assets per employee ($millions)5.2462%1,874
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.7763%2,867
Loan loss allowance to noncurrent loans68.1117%3,917
Noncurrent assets plus other real estate owned to assets2.2427%3,145
Noncurrent loans to loans2.6079%3,017
Net loans and leases to total assets73.1054%1,997
Net loans and leases to deposits101.1713%575
Net loans and leases to core deposits108.2047%1,147
Total domestic deposits to total assets71.2867%7,199
Equity capital to assets13.1136%1,521
Core capital (leverage) ratio8.3977%5,702
Tier 1 risk-based capital ratio8.6991%7,416
Total risk-based capital ratio12.3973%6,234
Memoranda:
Average total assets$67,456,618,00025
Average earning assets$57,558,721,75028
Average equity$8,639,779,50027
Average total loans$50,548,394,50019
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6535%6,301
Cost of funding earning assets0.6436%7,312
Net interest margin4.0099%2,965
Noninterest income to average assets1.6495%471
Noninterest expense to average assets2.7394%4,742
Loan and lease loss provision to assets0.5569%2,541
Net operating income to assets1.1963%1,570
Return on assets (ROA)1.1390%1,793
Pretax return on assets1.6903%1,070
Return on Equity (ROE)8.9641%2,481
Retained earnings to average equity (ytd only)8.9641%1,118
Net charge-offs to loans0.6890%2,497
Credit loss provision to net charge-offs107.6274%3,790
Earnings coverage of net charge-offs (x)4.5080%2,932
Efficiency ratio52.1813%7,046
Assets per employee ($millions)5.1716%1,961
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.7676%2,828
Loan loss allowance to noncurrent loans69.2641%3,880
Noncurrent assets plus other real estate owned to assets2.2132%3,245
Noncurrent loans to loans2.5520%3,104
Net loans and leases to total assets73.4859%2,036
Net loans and leases to deposits104.1118%477
Net loans and leases to core deposits111.5468%1,058
Total domestic deposits to total assets69.7637%7,342
Equity capital to assets13.0102%1,564
Core capital (leverage) ratio8.1893%5,956
Tier 1 risk-based capital ratio8.4939%7,486
Total risk-based capital ratio12.1725%6,305
Memoranda:
Average total assets$67,523,402,33026
Average earning assets$57,634,770,00028
Average equity$8,579,796,33027
Average total loans$50,712,154,33019
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6129%6,524
Cost of funding earning assets0.6487%7,441
Net interest margin3.9642%3,030
Noninterest income to average assets1.6096%479
Noninterest expense to average assets2.7767%4,580
Loan and lease loss provision to assets0.6131%2,075
Net operating income to assets1.0907%1,858
Return on assets (ROA)1.0115%2,206
Pretax return on assets1.4873%1,545
Return on Equity (ROE)8.0566%2,856
Retained earnings to average equity (ytd only)8.0566%1,684
Net charge-offs to loans0.7366%2,033
Credit loss provision to net charge-offs110.6110%3,120
Earnings coverage of net charge-offs (x)3.9995%2,730
Efficiency ratio53.6565%7,004
Assets per employee ($millions)5.1074%2,083
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.7482%2,900
Loan loss allowance to noncurrent loans57.6208%4,494
Noncurrent assets plus other real estate owned to assets2.4355%2,981
Noncurrent loans to loans3.0340%2,643
Net loans and leases to total assets73.8068%2,011
Net loans and leases to deposits105.0476%475
Net loans and leases to core deposits112.1226%1,155
Total domestic deposits to total assets69.0895%7,467
Equity capital to assets12.7130%1,647
Core capital (leverage) ratio7.9236%6,351
Tier 1 risk-based capital ratio8.2351%7,590
Total risk-based capital ratio12.0262%6,351
Memoranda:
Average total assets$67,659,652,00026
Average earning assets$57,754,667,00028
Average equity$8,494,941,50027
Average total loans$50,913,612,50020
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7201%7,106
Cost of funding earning assets0.9744%7,252
Net interest margin3.7458%3,926
Noninterest income to average assets1.7047%498
Noninterest expense to average assets2.8552%4,722
Loan and lease loss provision to assets0.8994%2,504
Net operating income to assets0.8125%2,482
Return on assets (ROA)0.6954%3,026
Pretax return on assets0.9801%2,658
Return on Equity (ROE)5.9969%3,209
Retained earnings to average equity (ytd only)5.9969%1,343
Net charge-offs to loans1.0176%2,376
Credit loss provision to net charge-offs117.1017%4,631
Earnings coverage of net charge-offs (x)2.6619%3,783
Efficiency ratio56.3019%6,974
Assets per employee ($millions)4.9817%2,241
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.7071%2,876
Loan loss allowance to noncurrent loans56.9281%4,585
Noncurrent assets plus other real estate owned to assets2.4127%2,882
Noncurrent loans to loans2.9986%2,568
Net loans and leases to total assets74.0916%2,256
Net loans and leases to deposits106.3677%534
Net loans and leases to core deposits112.6855%2,627
Total domestic deposits to total assets68.1082%7,539
Equity capital to assets12.3987%1,794
Core capital (leverage) ratio7.7716%6,484
Tier 1 risk-based capital ratio7.9567%7,661
Total risk-based capital ratio11.7114%6,408
Memoranda:
Average total assets$66,543,683,00026
Average earning assets$56,759,354,00029
Average equity$7,716,034,20028
Average total loans$50,224,069,00021
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7146%7,259
Cost of funding earning assets1.0550%7,276
Net interest margin3.6596%4,235
Noninterest income to average assets1.6936%514
Noninterest expense to average assets2.8981%4,462
Loan and lease loss provision to assets0.9162%2,091
Net operating income to assets0.7310%3,092
Return on assets (ROA)0.6174%3,592
Pretax return on assets0.8458%3,398
Return on Equity (ROE)5.4211%3,778
Retained earnings to average equity (ytd only)5.4211%2,244
Net charge-offs to loans1.0052%1,959
Credit loss provision to net charge-offs120.7166%4,203
Earnings coverage of net charge-offs (x)2.5266%3,960
Efficiency ratio58.1925%6,693
Assets per employee ($millions)4.8775%2,296
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.6806%2,694
Loan loss allowance to noncurrent loans61.4318%4,276
Noncurrent assets plus other real estate owned to assets2.2321%3,055
Noncurrent loans to loans2.7357%2,772
Net loans and leases to total assets74.5336%2,368
Net loans and leases to deposits108.4006%533
Net loans and leases to core deposits116.7037%2,552
Total domestic deposits to total assets66.8138%7,645
Equity capital to assets12.0426%2,220
Core capital (leverage) ratio7.4563%7,026
Tier 1 risk-based capital ratio7.6205%7,841
Total risk-based capital ratio11.4035%6,769
Memoranda:
Average total assets$66,214,522,00027
Average earning assets$56,489,783,00031
Average equity$7,541,588,00029
Average total loans$49,992,082,50023
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6678%7,426
Cost of funding earning assets1.1519%7,238
Net interest margin3.5159%4,727
Noninterest income to average assets1.6071%582
Noninterest expense to average assets2.9291%4,386
Loan and lease loss provision to assets0.9211%1,831
Net operating income to assets0.5627%3,836
Return on assets (ROA)0.4611%4,364
Pretax return on assets0.6208%4,269
Return on Equity (ROE)4.1295%4,440
Retained earnings to average equity (ytd only)4.1295%2,991
Net charge-offs to loans0.9537%1,823
Credit loss provision to net charge-offs128.0938%3,631
Earnings coverage of net charge-offs (x)2.3354%3,897
Efficiency ratio61.5387%6,309
Assets per employee ($millions)4.8460%2,264
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.6418%2,559
Loan loss allowance to noncurrent loans67.4757%4,059
Noncurrent assets plus other real estate owned to assets1.9948%3,203
Noncurrent loans to loans2.4332%2,967
Net loans and leases to total assets74.3429%2,610
Net loans and leases to deposits109.6502%568
Net loans and leases to core deposits118.1793%2,535
Total domestic deposits to total assets66.2200%7,727
Equity capital to assets11.4375%2,578
Core capital (leverage) ratio7.3623%7,177
Tier 1 risk-based capital ratio7.1901%7,992
Total risk-based capital ratio10.9365%7,184
Memoranda:
Average total assets$65,683,496,00029
Average earning assets$56,071,581,67032
Average equity$7,333,507,00028
Average total loans$49,521,660,00022
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7027%7,509
Cost of funding earning assets1.2937%7,029
Net interest margin3.4090%5,106
Noninterest income to average assets1.6215%521
Noninterest expense to average assets2.6535%5,207
Loan and lease loss provision to assets0.9783%1,327
Net operating income to assets0.6578%3,764
Return on assets (ROA)0.5276%4,490
Pretax return on assets0.7195%4,362
Return on Equity (ROE)4.7883%4,557
Retained earnings to average equity (ytd only)4.7883%3,243
Net charge-offs to loans0.8192%1,580
Credit loss provision to net charge-offs158.6035%2,666
Earnings coverage of net charge-offs (x)3.0414%3,295
Efficiency ratio56.4679%6,904
Assets per employee ($millions)4.9171%2,153
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.7547%1,970
Loan loss allowance to noncurrent loans73.7334%3,932
Noncurrent assets plus other real estate owned to assets1.9687%2,952
Noncurrent loans to loans2.3798%2,764
Net loans and leases to total assets74.3322%2,669
Net loans and leases to deposits111.4637%547
Net loans and leases to core deposits124.7578%2,014
Total domestic deposits to total assets63.2744%7,873
Equity capital to assets11.3108%2,713
Core capital (leverage) ratio7.1949%7,482
Tier 1 risk-based capital ratio7.5179%8,062
Total risk-based capital ratio11.5515%6,524
Memoranda:
Average total assets$64,191,323,50032
Average earning assets$54,759,104,50034
Average equity$7,073,302,50029
Average total loans$48,331,582,50025
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8309%6,331
Cost of funding earning assets2.2078%5,561
Net interest margin3.6231%4,771
Noninterest income to average assets1.6017%541
Noninterest expense to average assets2.5038%5,984
Loan and lease loss provision to assets0.6325%2,295
Net operating income to assets1.1595%1,910
Return on assets (ROA)0.9919%2,471
Pretax return on assets1.3533%2,116
Return on Equity (ROE)9.2049%2,567
Retained earnings to average equity (ytd only)9.2049%571
Net charge-offs to loans0.7852%1,587
Credit loss provision to net charge-offs107.3326%4,999
Earnings coverage of net charge-offs (x)3.7594%4,229
Efficiency ratio50.8721%7,597
Assets per employee ($millions)5.0081%1,936
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.6177%2,168
Loan loss allowance to noncurrent loans86.1262%3,914
Noncurrent assets plus other real estate owned to assets1.5644%3,108
Noncurrent loans to loans1.8783%2,942
Net loans and leases to total assets73.7212%3,179
Net loans and leases to deposits112.6941%673
Net loans and leases to core deposits135.4823%1,513
Total domestic deposits to total assets59.1725%7,989
Equity capital to assets10.7331%3,268
Core capital (leverage) ratio6.9594%7,723
Tier 1 risk-based capital ratio7.3236%8,147
Total risk-based capital ratio11.3527%6,490
Memoranda:
Average total assets$64,693,923,80030
Average earning assets$55,667,724,80030
Average equity$6,971,065,20028
Average total loans$48,552,530,20023