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Menard Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3505%4,421
Cost of funding earning assets0.9516%4,039
Net interest margin2.3989%4,105
Noninterest income to average assets1.4500%355
Noninterest expense to average assets1.6125%4,128
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets2.1483%357
Return on assets (ROA)2.1483%365
Pretax return on assets2.1483%545
Return on Equity (ROE)38.7500%57
Retained earnings to average equity (ytd only)38.7462%26
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio42.8755%4,210
Assets per employee ($millions)9.0778%1,079
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans1.8077%528
Loan loss allowance to noncurrent loans0.0000%3,773
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets14.7600%4,318
Net loans and leases to deposits15.7638%4,336
Net loans and leases to core deposits17.8422%4,312
Total domestic deposits to total assets93.6300%97
Equity capital to assets6.2852%4,204
Core capital (leverage) ratio11.0935%1,972
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$82,855,0003,920
Average earning assets$79,869,5003,874
Average equity$4,594,0004,270
Average total loans$11,463,0004,297
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3953%4,426
Cost of funding earning assets1.3426%3,611
Net interest margin2.0528%4,234
Noninterest income to average assets1.7800%295
Noninterest expense to average assets1.7091%4,077
Loan and lease loss provision to assets0.0100%2,986
Net operating income to assets2.0388%364
Return on assets (ROA)2.0524%363
Pretax return on assets2.0524%552
Return on Equity (ROE)47.3900%32
Retained earnings to average equity (ytd only)38.8703%8
Net charge-offs to loans0.0000%3,099
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio45.4218%4,185
Assets per employee ($millions)8.4010%1,310
Cash dividends to net income (ytd only)*17.9856%3,015
Condition Ratios (%)
Loss allowance to loans2.0855%319
Loan loss allowance to noncurrent loans0.0000%3,770
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets12.4100%4,349
Net loans and leases to deposits13.0428%4,361
Net loans and leases to core deposits14.5827%4,339
Total domestic deposits to total assets95.1200%51
Equity capital to assets4.8244%4,371
Core capital (leverage) ratio10.1691%2,620
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$81,271,6003,934
Average earning assets$78,431,0003,884
Average equity$3,519,4004,334
Average total loans$10,401,6004,325
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2505%4,478
Cost of funding earning assets1.4188%3,486
Net interest margin1.8317%4,341
Noninterest income to average assets1.8800%268
Noninterest expense to average assets1.7041%4,072
Loan and lease loss provision to assets0.0200%2,606
Net operating income to assets1.9209%483
Return on assets (ROA)1.9391%480
Pretax return on assets1.9391%708
Return on Equity (ROE)46.1500%35
Retained earnings to average equity (ytd only)46.1497%12
Net charge-offs to loans0.0000%2,849
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio46.7544%4,136
Assets per employee ($millions)8.5186%1,253
Cash dividends to net income (ytd only)*0.0000%3,021
Condition Ratios (%)
Loss allowance to loans1.7605%583
Loan loss allowance to noncurrent loans0.0000%3,813
Noncurrent assets plus other real estate owned to assets0.0000%3,861
Noncurrent loans to loans0.0000%3,830
Net loans and leases to total assets14.5400%4,375
Net loans and leases to deposits15.5007%4,392
Net loans and leases to core deposits17.1098%4,367
Total domestic deposits to total assets93.8200%41
Equity capital to assets6.0303%4,331
Core capital (leverage) ratio10.7678%2,195
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.5111%638
Memoranda:
Average total assets$80,587,0003,963
Average earning assets$77,812,2503,913
Average equity$3,386,0004,368
Average total loans$10,340,7504,350
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1800%4,500
Cost of funding earning assets1.4404%3,407
Net interest margin1.7395%4,383
Noninterest income to average assets1.9400%261
Noninterest expense to average assets1.7178%4,059
Loan and lease loss provision to assets0.0300%2,286
Net operating income to assets1.8671%538
Return on assets (ROA)1.8418%558
Pretax return on assets1.8418%803
Return on Equity (ROE)51.9600%34
Retained earnings to average equity (ytd only)51.9567%15
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio47.5157%4,129
Assets per employee ($millions)7.8615%1,532
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans2.0912%344
Loan loss allowance to noncurrent loans0.0000%3,808
Noncurrent assets plus other real estate owned to assets0.0000%3,854
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets13.2200%4,397
Net loans and leases to deposits13.7983%4,415
Net loans and leases to core deposits15.6268%4,388
Total domestic deposits to total assets95.8200%25
Equity capital to assets4.0527%4,462
Core capital (leverage) ratio10.5298%2,357
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.9306%595
Memoranda:
Average total assets$79,054,0003,994
Average earning assets$76,226,6673,941
Average equity$2,802,3334,421
Average total loans$9,584,3334,376
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9441%4,540
Cost of funding earning assets1.3649%3,448
Net interest margin1.5793%4,448
Noninterest income to average assets1.9300%248
Noninterest expense to average assets1.6954%4,110
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets1.7559%611
Return on assets (ROA)1.7559%617
Pretax return on assets1.7559%881
Return on Equity (ROE)53.3200%36
Retained earnings to average equity (ytd only)53.3231%20
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio49.1228%4,057
Assets per employee ($millions)8.3547%1,261
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans2.2735%255
Loan loss allowance to noncurrent loans0.0000%3,825
Noncurrent assets plus other real estate owned to assets0.0000%3,894
Noncurrent loans to loans0.0000%3,844
Net loans and leases to total assets10.8000%4,429
Net loans and leases to deposits11.1936%4,436
Net loans and leases to core deposits12.7457%4,458
Total domestic deposits to total assets96.5300%39
Equity capital to assets3.3813%4,506
Core capital (leverage) ratio10.2377%2,555
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$79,273,5004,013
Average earning assets$76,491,5003,962
Average equity$2,610,5004,461
Average total loans$9,068,5004,410
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1966%4,486
Cost of funding earning assets1.1344%2,974
Net interest margin2.0622%4,393
Noninterest income to average assets1.8900%286
Noninterest expense to average assets1.8108%3,990
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets2.0643%426
Return on assets (ROA)2.0643%414
Pretax return on assets2.0643%615
Return on Equity (ROE)135.4700%9
Retained earnings to average equity (ytd only)117.3811%8
Net charge-offs to loans0.0000%2,917
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio46.7283%4,163
Assets per employee ($millions)7.5000%1,730
Cash dividends to net income (ytd only)*13.3511%3,142
Condition Ratios (%)
Loss allowance to loans2.3596%230
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets11.5900%4,445
Net loans and leases to deposits11.9770%4,450
Net loans and leases to core deposits13.6637%4,471
Total domestic deposits to total assets96.7400%31
Equity capital to assets3.1947%4,540
Core capital (leverage) ratio10.1814%2,618
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.3981%658
Memoranda:
Average total assets$72,566,6004,092
Average earning assets$69,730,0004,038
Average equity$1,105,8004,517
Average total loans$8,990,4004,422
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0880%4,510
Cost of funding earning assets1.0197%2,980
Net interest margin2.0683%4,420
Noninterest income to average assets1.8400%312
Noninterest expense to average assets1.7232%4,087
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets2.1067%433
Return on assets (ROA)2.1067%424
Pretax return on assets2.1067%651
Return on Equity (ROE)193.5500%11
Retained earnings to average equity (ytd only)193.5477%6
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio44.9927%4,190
Assets per employee ($millions)7.4138%1,689
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans2.5544%184
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets10.8100%4,472
Net loans and leases to deposits10.9291%4,480
Net loans and leases to core deposits12.4389%4,461
Total domestic deposits to total assets98.8700%33
Equity capital to assets0.9981%4,575
Core capital (leverage) ratio10.0072%2,819
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.6519%647
Memoranda:
Average total assets$71,958,2504,112
Average earning assets$69,169,5004,064
Average equity$783,2504,550
Average total loans$9,013,0004,446
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9558%4,557
Cost of funding earning assets0.8897%2,956
Net interest margin2.0661%4,471
Noninterest income to average assets1.8000%271
Noninterest expense to average assets1.6959%4,152
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets2.0862%414
Return on assets (ROA)2.0862%408
Pretax return on assets2.0862%641
Return on Equity (ROE)186.2900%9
Retained earnings to average equity (ytd only)186.2934%5
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio44.8404%4,215
Assets per employee ($millions)7.0398%1,897
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans2.2720%279
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets12.8300%4,497
Net loans and leases to deposits13.0788%4,505
Net loans and leases to core deposits14.9652%4,490
Total domestic deposits to total assets98.1100%32
Equity capital to assets1.7841%4,607
Core capital (leverage) ratio9.9904%2,763
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.9069%729
Memoranda:
Average total assets$71,231,6674,133
Average earning assets$68,341,0004,091
Average equity$797,6674,580
Average total loans$9,277,0004,474
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8318%4,597
Cost of funding earning assets0.6803%3,119
Net interest margin2.1515%4,512
Noninterest income to average assets1.7100%287
Noninterest expense to average assets1.6190%4,284
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets2.1550%400
Return on assets (ROA)2.1550%394
Pretax return on assets2.1550%611
Return on Equity (ROE)271.5900%5
Retained earnings to average equity (ytd only)271.5919%4
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio42.8994%4,345
Assets per employee ($millions)7.0489%1,944
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans2.3344%265
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets12.4600%4,563
Net loans and leases to deposits12.6541%4,574
Net loans and leases to core deposits14.3071%4,559
Total domestic deposits to total assets98.5000%13
Equity capital to assets1.4087%4,648
Core capital (leverage) ratio9.7954%2,893
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.1889%821
Memoranda:
Average total assets$71,648,5004,185
Average earning assets$68,789,5004,143
Average equity$568,5004,657
Average total loans$9,294,0004,541
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5202%4,498
Cost of funding earning assets0.2304%3,511
Net interest margin2.2898%4,435
Noninterest income to average assets0.7600%1,100
Noninterest expense to average assets1.7370%4,109
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets1.2182%1,706
Return on assets (ROA)1.2182%1,651
Pretax return on assets1.2182%2,379
Return on Equity (ROE)42.0200%50
Retained earnings to average equity (ytd only)35.3605%24
Net charge-offs to loans0.0000%2,620
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio58.7774%3,222
Assets per employee ($millions)7.2808%1,768
Cash dividends to net income (ytd only)*15.8428%3,040
Condition Ratios (%)
Loss allowance to loans2.1893%309
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets12.8900%4,596
Net loans and leases to deposits12.9179%4,601
Net loans and leases to core deposits14.3620%4,588
Total domestic deposits to total assets99.7500%13
Equity capital to assets0.1978%4,688
Core capital (leverage) ratio9.5627%3,070
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0945%965
Memoranda:
Average total assets$64,768,6004,285
Average earning assets$62,057,4004,237
Average equity$1,877,8004,684
Average total loans$9,310,8004,573
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4483%4,473
Cost of funding earning assets0.1308%4,025
Net interest margin2.3175%4,393
Noninterest income to average assets0.4600%2,378
Noninterest expense to average assets1.7400%4,093
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.9369%2,730
Return on assets (ROA)0.9369%2,694
Pretax return on assets0.9369%3,213
Return on Equity (ROE)25.4400%175
Retained earnings to average equity (ytd only)25.4401%44
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio65.0000%2,405
Assets per employee ($millions)6.2676%2,519
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans2.5289%225
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets12.9100%4,636
Net loans and leases to deposits12.9194%4,645
Net loans and leases to core deposits13.9653%4,630
Total domestic deposits to total assets99.9600%17
Equity capital to assets-0.0750%4,736
Core capital (leverage) ratio9.1143%3,491
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$62,758,7504,341
Average earning assets$60,120,7504,296
Average equity$2,311,2504,694
Average total loans$9,240,5004,609
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2782%4,534
Cost of funding earning assets0.0866%4,319
Net interest margin2.1916%4,442
Noninterest income to average assets0.1497%4,264
Noninterest expense to average assets1.7106%4,128
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.5351%3,810
Return on assets (ROA)0.5351%3,761
Pretax return on assets0.5351%3,949
Return on Equity (ROE)10.8480%2,034
Retained earnings to average equity (ytd only)10.8480%811
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.1702%1,258
Assets per employee ($millions)6.0617%2,687
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans2.4654%269
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets12.4597%4,696
Net loans and leases to deposits12.5485%4,706
Net loans and leases to core deposits13.5678%4,697
Total domestic deposits to total assets99.2921%9
Equity capital to assets0.6119%4,755
Core capital (leverage) ratio9.3434%3,080
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$62,786,3334,389
Average earning assets$60,047,3334,355
Average equity$3,097,3334,681
Average total loans$9,552,6674,665
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2776%4,472
Cost of funding earning assets0.0619%4,515
Net interest margin2.2156%4,330
Noninterest income to average assets0.1512%4,242
Noninterest expense to average assets1.7620%4,028
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.5062%3,696
Return on assets (ROA)0.5062%3,663
Pretax return on assets0.5062%3,861
Return on Equity (ROE)6.9338%3,056
Retained earnings to average equity (ytd only)6.9338%1,909
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.6812%1,341
Assets per employee ($millions)5.9782%2,830
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans2.1479%484
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets16.0031%4,703
Net loans and leases to deposits16.9354%4,713
Net loans and leases to core deposits18.4770%4,706
Total domestic deposits to total assets94.4950%79
Equity capital to assets5.4398%4,672
Core capital (leverage) ratio9.4507%2,854
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$60,840,0004,428
Average earning assets$58,132,0004,402
Average equity$4,442,0004,617
Average total loans$10,070,0004,681
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1045%4,652
Cost of funding earning assets0.0419%4,719
Net interest margin2.0626%4,568
Noninterest income to average assets0.1545%4,378
Noninterest expense to average assets1.4864%4,560
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.6555%3,733
Return on assets (ROA)0.6555%3,791
Pretax return on assets0.6555%4,020
Return on Equity (ROE)8.2199%3,151
Retained earnings to average equity (ytd only)6.4747%2,144
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.3957%1,805
Assets per employee ($millions)6.1898%2,581
Cash dividends to net income (ytd only)*21.2314%2,967
Condition Ratios (%)
Loss allowance to loans2.0264%582
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets16.4028%4,748
Net loans and leases to deposits18.0523%4,757
Net loans and leases to core deposits19.6072%4,744
Total domestic deposits to total assets90.8624%546
Equity capital to assets9.0988%3,516
Core capital (leverage) ratio8.3333%4,078
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.2312%999
Memoranda:
Average total assets$71,850,2004,317
Average earning assets$69,232,0004,270
Average equity$5,730,0004,557
Average total loans$11,078,2004,712
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0781%4,747
Cost of funding earning assets0.0409%4,812
Net interest margin2.0372%4,662
Noninterest income to average assets0.1273%4,554
Noninterest expense to average assets1.4384%4,654
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.6546%3,884
Return on assets (ROA)0.6798%3,878
Pretax return on assets0.6798%4,103
Return on Equity (ROE)8.7813%3,173
Retained earnings to average equity (ytd only)8.7813%1,774
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.7232%1,733
Assets per employee ($millions)5.5348%3,158
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans2.0380%588
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets15.1979%4,826
Net loans and leases to deposits16.7585%4,835
Net loans and leases to core deposits18.1805%4,829
Total domestic deposits to total assets90.6876%477
Equity capital to assets9.1784%3,675
Core capital (leverage) ratio8.5522%3,965
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0416%1,125
Memoranda:
Average total assets$74,338,2504,340
Average earning assets$71,730,0004,291
Average equity$5,754,5004,621
Average total loans$11,257,0004,783
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0803%4,788
Cost of funding earning assets0.0431%4,846
Net interest margin2.0372%4,691
Noninterest income to average assets0.1195%4,599
Noninterest expense to average assets1.4056%4,713
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.6807%3,806
Return on assets (ROA)0.7171%3,782
Pretax return on assets0.7171%4,029
Return on Equity (ROE)9.7861%2,834
Retained earnings to average equity (ytd only)9.7861%1,469
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3724%1,954
Assets per employee ($millions)5.5011%3,130
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.9862%619
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets15.6984%4,861
Net loans and leases to deposits17.2089%4,866
Net loans and leases to core deposits18.7362%4,864
Total domestic deposits to total assets91.2229%300
Equity capital to assets8.6619%4,079
Core capital (leverage) ratio6.3807%4,911
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.5909%1,209
Memoranda:
Average total assets$76,978,6674,337
Average earning assets$74,316,0004,285
Average equity$5,640,6674,663
Average total loans$11,574,6674,810
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.8873%4,861
Cost of funding earning assets0.0400%4,896
Net interest margin1.8473%4,793
Noninterest income to average assets0.1116%4,639
Noninterest expense to average assets1.3291%4,805
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.5724%4,015
Return on assets (ROA)0.5724%4,067
Pretax return on assets0.5724%4,235
Return on Equity (ROE)8.4256%3,207
Retained earnings to average equity (ytd only)8.4256%2,117
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8980%1,717
Assets per employee ($millions)7.2428%1,618
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.7723%916
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets13.3914%4,907
Net loans and leases to deposits14.2168%4,911
Net loans and leases to core deposits15.1506%4,906
Total domestic deposits to total assets94.1943%8
Equity capital to assets5.7540%4,952
Core capital (leverage) ratio6.7650%4,920
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2704%2,174
Memoranda:
Average total assets$82,461,5004,276
Average earning assets$79,900,5004,220
Average equity$5,602,0004,683
Average total loans$12,075,5004,828
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4387%4,857
Cost of funding earning assets0.1075%4,848
Net interest margin2.3312%4,701
Noninterest income to average assets0.1863%4,360
Noninterest expense to average assets1.7410%4,557
Loan and lease loss provision to assets0.0087%4,247
Net operating income to assets0.6633%3,546
Return on assets (ROA)0.8357%3,085
Pretax return on assets0.8357%3,545
Return on Equity (ROE)8.3752%2,661
Retained earnings to average equity (ytd only)6.6304%1,534
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.1501%1,664
Assets per employee ($millions)6.5008%1,919
Cash dividends to net income (ytd only)*20.8333%3,207
Condition Ratios (%)
Loss allowance to loans1.7070%1,022
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets15.5008%4,913
Net loans and leases to deposits16.8452%4,923
Net loans and leases to core deposits18.0502%4,918
Total domestic deposits to total assets92.0189%67
Equity capital to assets7.9516%4,727
Core capital (leverage) ratio6.9278%4,942
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0249%1,840
Memoranda:
Average total assets$57,438,6004,547
Average earning assets$54,865,6004,514
Average equity$5,731,2004,673
Average total loans$12,502,4004,853
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5645%4,897
Cost of funding earning assets0.1340%4,849
Net interest margin2.4305%4,704
Noninterest income to average assets0.2091%4,225
Noninterest expense to average assets1.8586%4,399
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets0.6629%3,585
Return on assets (ROA)0.6629%3,688
Pretax return on assets0.6629%3,978
Return on Equity (ROE)6.1757%3,490
Retained earnings to average equity (ytd only)6.1757%2,029
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.7108%1,437
Assets per employee ($millions)6.7339%1,658
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.5109%1,350
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets18.0403%4,943
Net loans and leases to deposits19.7091%4,952
Net loans and leases to core deposits21.2442%4,948
Total domestic deposits to total assets91.5327%99
Equity capital to assets8.3836%4,528
Core capital (leverage) ratio8.5447%4,241
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$52,296,0004,643
Average earning assets$49,754,7504,611
Average equity$5,613,2504,705
Average total loans$12,552,5004,880
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9264%4,872
Cost of funding earning assets0.1879%4,791
Net interest margin2.7385%4,521
Noninterest income to average assets0.2220%4,160
Noninterest expense to average assets2.1405%3,947
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.6706%3,498
Return on assets (ROA)0.6706%3,600
Pretax return on assets0.6706%3,927
Return on Equity (ROE)5.5778%3,640
Retained earnings to average equity (ytd only)5.5778%2,244
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.1453%1,250
Assets per employee ($millions)4.8754%3,336
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.7559%720
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets23.5263%4,932
Net loans and leases to deposits26.8631%4,946
Net loans and leases to core deposits30.4859%4,931
Total domestic deposits to total assets87.5785%1,390
Equity capital to assets12.3005%1,479
Core capital (leverage) ratio11.3904%1,719
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$45,037,0004,753
Average earning assets$42,577,3334,734
Average equity$5,414,3334,754
Average total loans$12,214,0004,916
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1455%4,897
Cost of funding earning assets0.2254%4,828
Net interest margin2.9201%4,403
Noninterest income to average assets0.2501%4,048
Noninterest expense to average assets2.2696%3,838
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.7411%3,126
Return on assets (ROA)0.7411%3,204
Pretax return on assets0.7411%3,564
Return on Equity (ROE)6.2463%3,221
Retained earnings to average equity (ytd only)6.2463%1,788
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.3846%1,636
Assets per employee ($millions)4.3198%3,510
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.7100%863
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets27.2767%4,945
Net loans and leases to deposits30.9257%4,964
Net loans and leases to core deposits36.3112%4,924
Total domestic deposits to total assets88.2008%1,017
Equity capital to assets11.7112%2,278
Core capital (leverage) ratio11.8626%1,830
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$43,178,5004,805
Average earning assets$40,820,5004,783
Average equity$5,123,0004,823
Average total loans$12,483,5004,954
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3501%4,936
Cost of funding earning assets0.2476%4,859
Net interest margin3.1025%4,358
Noninterest income to average assets0.2941%3,929
Noninterest expense to average assets2.4819%3,499
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets0.7352%3,750
Return on assets (ROA)0.8442%3,495
Pretax return on assets0.8442%3,894
Return on Equity (ROE)6.6032%3,706
Retained earnings to average equity (ytd only)3.6288%3,182
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1474%1,248
Assets per employee ($millions)4.3159%3,484
Cash dividends to net income (ytd only)*45.0450%2,326
Condition Ratios (%)
Loss allowance to loans1.5795%1,021
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets29.5975%4,972
Net loans and leases to deposits33.6619%5,000
Net loans and leases to core deposits38.6237%4,968
Total domestic deposits to total assets87.9260%1,160
Equity capital to assets12.0184%2,124
Core capital (leverage) ratio12.0297%1,756
Tier 1 risk-based capital ratio25.5638%710
Total risk-based capital ratio26.6099%709
Memoranda:
Average total assets$39,445,4004,900
Average earning assets$37,163,0004,876
Average equity$5,043,0004,876
Average total loans$13,097,0005,002
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3933%5,027
Cost of funding earning assets0.2573%4,908
Net interest margin3.1359%4,423
Noninterest income to average assets0.3012%3,934
Noninterest expense to average assets2.5512%3,296
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.7027%4,004
Return on assets (ROA)0.8515%3,597
Pretax return on assets0.8515%4,003
Return on Equity (ROE)6.5506%3,860
Retained earnings to average equity (ytd only)6.5506%2,089
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.4043%1,064
Assets per employee ($millions)4.1805%3,645
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.5333%1,159
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets31.4914%5,027
Net loans and leases to deposits36.1071%5,063
Net loans and leases to core deposits40.9882%5,014
Total domestic deposits to total assets87.2168%1,421
Equity capital to assets12.6564%1,809
Core capital (leverage) ratio13.5427%1,118
Tier 1 risk-based capital ratio25.8218%720
Total risk-based capital ratio26.8602%718
Memoranda:
Average total assets$38,517,0004,992
Average earning assets$36,266,7504,963
Average equity$5,007,0004,947
Average total loans$13,126,5005,081
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4869%5,015
Cost of funding earning assets0.1081%5,218
Net interest margin3.3788%3,958
Noninterest income to average assets0.2940%3,969
Noninterest expense to average assets2.6242%3,134
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.8444%3,490
Return on assets (ROA)0.8819%3,417
Pretax return on assets0.8819%3,903
Return on Equity (ROE)6.7178%3,782
Retained earnings to average equity (ytd only)6.7178%1,943
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.6549%1,440
Assets per employee ($millions)3.8124%4,108
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.4907%1,303
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets35.5340%4,990
Net loans and leases to deposits41.1738%5,024
Net loans and leases to core deposits49.4470%4,879
Total domestic deposits to total assets86.3026%1,890
Equity capital to assets13.5925%1,283
Core capital (leverage) ratio13.1922%1,214
Tier 1 risk-based capital ratio23.2710%920
Total risk-based capital ratio24.2219%920
Memoranda:
Average total assets$37,421,0005,047
Average earning assets$35,160,3305,023
Average equity$4,912,3304,995
Average total loans$13,045,3305,127
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4560%5,076
Cost of funding earning assets0.1033%5,275
Net interest margin3.3527%4,028
Noninterest income to average assets0.2913%3,927
Noninterest expense to average assets2.6113%3,186
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.8309%3,517
Return on assets (ROA)0.8309%3,554
Pretax return on assets0.8309%3,967
Return on Equity (ROE)6.4469%3,859
Retained earnings to average equity (ytd only)6.4469%2,263
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.8621%1,511
Assets per employee ($millions)3.7471%4,277
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.6690%921
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,905
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets32.2329%5,107
Net loans and leases to deposits37.0695%5,130
Net loans and leases to core deposits44.5946%5,025
Total domestic deposits to total assets86.9526%1,838
Equity capital to assets13.0181%1,443
Core capital (leverage) ratio13.2086%1,182
Tier 1 risk-based capital ratio29.6921%489
Total risk-based capital ratio30.9273%479
Memoranda:
Average total assets$37,069,5005,105
Average earning assets$34,838,0005,084
Average equity$4,777,5005,053
Average total loans$12,692,0005,199
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4052%5,000
Cost of funding earning assets0.0924%5,302
Net interest margin3.3129%4,215
Noninterest income to average assets0.3318%3,887
Noninterest expense to average assets2.6181%3,278
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.8142%3,752
Return on assets (ROA)0.8142%3,753
Pretax return on assets0.8142%4,129
Return on Equity (ROE)6.3352%4,056
Retained earnings to average equity (ytd only)4.1656%3,266
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2794%1,321
Assets per employee ($millions)3.6668%4,372
Cash dividends to net income (ytd only)*34.2466%2,827
Condition Ratios (%)
Loss allowance to loans1.5648%1,108
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets35.1696%5,092
Net loans and leases to deposits40.3151%5,117
Net loans and leases to core deposits47.7842%4,991
Total domestic deposits to total assets87.2368%1,669
Equity capital to assets12.7550%1,459
Core capital (leverage) ratio13.1887%1,181
Tier 1 risk-based capital ratio30.4372%456
Total risk-based capital ratio31.6856%448
Memoranda:
Average total assets$35,865,2005,161
Average earning assets$33,566,0005,147
Average equity$4,609,2005,102
Average total loans$12,969,4005,234
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3813%5,055
Cost of funding earning assets0.0958%5,361
Net interest margin3.2855%4,321
Noninterest income to average assets0.3402%3,871
Noninterest expense to average assets2.6281%3,205
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.7888%3,945
Return on assets (ROA)0.7888%3,958
Pretax return on assets0.7888%4,325
Return on Equity (ROE)6.1262%4,234
Retained earnings to average equity (ytd only)6.1262%2,594
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.9147%1,238
Assets per employee ($millions)3.5642%4,474
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.5426%1,216
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets36.7095%5,116
Net loans and leases to deposits42.2542%5,148
Net loans and leases to core deposits49.6339%5,029
Total domestic deposits to total assets86.8778%1,787
Equity capital to assets13.0268%1,323
Core capital (leverage) ratio13.9736%942
Tier 1 risk-based capital ratio23.0144%937
Total risk-based capital ratio23.9773%943
Memoranda:
Average total assets$35,664,5005,230
Average earning assets$33,398,2505,210
Average equity$4,592,2505,166
Average total loans$12,936,5005,301
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3476%5,092
Cost of funding earning assets0.1016%5,405
Net interest margin3.2460%4,390
Noninterest income to average assets0.3420%3,891
Noninterest expense to average assets2.6351%3,204
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.7513%4,026
Return on assets (ROA)0.7513%4,028
Pretax return on assets0.7513%4,387
Return on Equity (ROE)5.8575%4,291
Retained earnings to average equity (ytd only)5.8575%2,637
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.8146%1,217
Assets per employee ($millions)3.5258%4,556
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.6073%1,090
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets35.5919%5,194
Net loans and leases to deposits40.9630%5,221
Net loans and leases to core deposits47.8330%5,103
Total domestic deposits to total assets86.8881%1,887
Equity capital to assets13.0041%1,289
Core capital (leverage) ratio13.6929%996
Tier 1 risk-based capital ratio22.8810%943
Total risk-based capital ratio23.8533%956
Memoranda:
Average total assets$35,672,0005,292
Average earning assets$33,456,6705,269
Average equity$4,575,3305,224
Average total loans$12,819,0005,365
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2304%5,208
Cost of funding earning assets0.1188%5,395
Net interest margin3.1116%4,681
Noninterest income to average assets0.3456%3,832
Noninterest expense to average assets2.6757%3,111
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.5909%4,448
Return on assets (ROA)0.5909%4,454
Pretax return on assets0.5909%4,708
Return on Equity (ROE)4.6384%4,598
Retained earnings to average equity (ytd only)4.6384%3,347
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.9113%952
Assets per employee ($millions)3.6369%4,492
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.6110%1,133
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets34.4249%5,260
Net loans and leases to deposits39.3364%5,280
Net loans and leases to core deposits46.4168%5,148
Total domestic deposits to total assets87.5141%1,890
Equity capital to assets12.4337%1,522
Core capital (leverage) ratio13.4188%1,031
Tier 1 risk-based capital ratio22.6818%968
Total risk-based capital ratio23.6622%982
Memoranda:
Average total assets$35,879,0005,349
Average earning assets$33,680,0005,322
Average equity$4,570,5005,280
Average total loans$12,851,5005,427
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1959%5,192
Cost of funding earning assets0.0916%5,526
Net interest margin3.1044%4,686
Noninterest income to average assets0.3272%4,130
Noninterest expense to average assets2.6718%3,225
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.5492%4,226
Return on assets (ROA)0.5492%4,256
Pretax return on assets0.5492%4,849
Return on Equity (ROE)4.1815%4,450
Retained earnings to average equity (ytd only)2.0149%4,108
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.9505%856
Assets per employee ($millions)3.5389%4,653
Cash dividends to net income (ytd only)*51.8135%2,184
Condition Ratios (%)
Loss allowance to loans1.5796%1,183
Loan loss allowance to noncurrent loans759.2593%794
Noncurrent assets plus other real estate owned to assets0.0763%4,738
Noncurrent loans to loans0.2080%4,079
Net loans and leases to total assets36.0931%5,284
Net loans and leases to deposits41.5207%5,306
Net loans and leases to core deposits49.9218%5,138
Total domestic deposits to total assets86.9281%2,027
Equity capital to assets13.0521%1,239
Core capital (leverage) ratio13.1977%1,076
Tier 1 risk-based capital ratio22.4741%969
Total risk-based capital ratio23.4567%966
Memoranda:
Average total assets$35,144,8005,409
Average earning assets$32,760,4005,390
Average equity$4,615,6005,333
Average total loans$13,089,4005,483
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1927%5,239
Cost of funding earning assets0.0939%5,576
Net interest margin3.0988%4,717
Noninterest income to average assets0.3382%4,116
Noninterest expense to average assets2.7210%2,992
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.5017%4,726
Return on assets (ROA)0.5017%4,760
Pretax return on assets0.5017%5,023
Return on Equity (ROE)3.8139%4,912
Retained earnings to average equity (ytd only)3.8139%3,650
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.4340%724
Assets per employee ($millions)3.5106%4,721
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.6051%1,229
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets35.7973%5,356
Net loans and leases to deposits41.4001%5,376
Net loans and leases to core deposits47.5464%5,271
Total domestic deposits to total assets86.4667%2,109
Equity capital to assets13.4450%1,185
Core capital (leverage) ratio13.7675%953
Tier 1 risk-based capital ratio23.4760%901
Total risk-based capital ratio24.4936%909
Memoranda:
Average total assets$35,083,7505,470
Average earning assets$32,657,0005,449
Average equity$4,614,7505,389
Average total loans$13,117,2505,546
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1999%5,242
Cost of funding earning assets0.0983%5,604
Net interest margin3.1016%4,681
Noninterest income to average assets0.3421%4,104
Noninterest expense to average assets2.7255%2,994
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.4961%4,715
Return on assets (ROA)0.4961%4,752
Pretax return on assets0.4961%5,010
Return on Equity (ROE)3.7994%4,878
Retained earnings to average equity (ytd only)3.7994%3,428
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.6018%795
Assets per employee ($millions)3.5235%4,684
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.5663%1,344
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,332
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets36.5631%5,357
Net loans and leases to deposits42.2061%5,393
Net loans and leases to core deposits48.4724%5,271
Total domestic deposits to total assets86.6298%2,120
Equity capital to assets13.2652%1,243
Core capital (leverage) ratio13.4076%1,021
Tier 1 risk-based capital ratio22.9942%954
Total risk-based capital ratio24.0008%953
Memoranda:
Average total assets$35,076,3305,519
Average earning assets$32,563,6705,499
Average equity$4,579,6705,431
Average total loans$13,232,3305,591
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1604%5,295
Cost of funding earning assets0.0857%5,702
Net interest margin3.0746%4,722
Noninterest income to average assets0.3315%4,179
Noninterest expense to average assets2.6859%3,195
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.5143%4,540
Return on assets (ROA)0.5143%4,569
Pretax return on assets0.5143%4,939
Return on Equity (ROE)3.9713%4,792
Retained earnings to average equity (ytd only)3.9713%3,460
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.9286%974
Assets per employee ($millions)3.5131%4,776
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.5461%1,522
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets37.1581%5,361
Net loans and leases to deposits42.7341%5,394
Net loans and leases to core deposits50.2967%5,211
Total domestic deposits to total assets86.9517%2,242
Equity capital to assets12.9999%1,256
Core capital (leverage) ratio13.1420%1,086
Tier 1 risk-based capital ratio22.7148%1,011
Total risk-based capital ratio23.7179%1,017
Memoranda:
Average total assets$34,997,0005,581
Average earning assets$32,654,5005,564
Average equity$4,532,5005,495
Average total loans$13,304,5005,651
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2947%5,167
Cost of funding earning assets0.0846%5,762
Net interest margin3.2101%4,419
Noninterest income to average assets0.4120%3,795
Noninterest expense to average assets2.9161%2,620
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.5120%4,583
Return on assets (ROA)0.7092%3,862
Pretax return on assets0.7092%4,461
Return on Equity (ROE)5.2362%4,306
Retained earnings to average equity (ytd only)3.0635%3,718
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.0644%899
Assets per employee ($millions)3.1694%5,192
Cash dividends to net income (ytd only)*41.4938%2,787
Condition Ratios (%)
Loss allowance to loans1.5356%1,549
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets37.7047%5,411
Net loans and leases to deposits43.3014%5,452
Net loans and leases to core deposits51.0406%5,267
Total domestic deposits to total assets87.0751%2,103
Equity capital to assets12.9019%1,295
Core capital (leverage) ratio12.7010%1,252
Tier 1 risk-based capital ratio22.4217%1,027
Total risk-based capital ratio23.4218%1,028
Memoranda:
Average total assets$33,983,8005,650
Average earning assets$31,930,4005,628
Average equity$4,602,6005,537
Average total loans$13,863,0005,692
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3354%5,156
Cost of funding earning assets0.0882%5,816
Net interest margin3.2472%4,351
Noninterest income to average assets0.4541%3,530
Noninterest expense to average assets2.9538%2,451
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.5528%4,485
Return on assets (ROA)0.8174%3,423
Pretax return on assets0.8174%4,256
Return on Equity (ROE)5.9625%4,081
Retained earnings to average equity (ytd only)5.9625%2,203
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.2342%980
Assets per employee ($millions)3.0287%5,367
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.5263%1,668
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,556
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets39.6986%5,395
Net loans and leases to deposits46.2933%5,451
Net loans and leases to core deposits53.2362%5,254
Total domestic deposits to total assets85.7546%2,480
Equity capital to assets14.0953%1,001
Core capital (leverage) ratio14.1028%819
Tier 1 risk-based capital ratio23.4311%956
Total risk-based capital ratio24.4570%963
Memoranda:
Average total assets$33,764,0005,714
Average earning assets$31,739,5005,694
Average equity$4,628,7505,590
Average total loans$13,991,2505,748
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3144%5,261
Cost of funding earning assets0.0815%5,919
Net interest margin3.2329%4,436
Noninterest income to average assets0.4364%3,629
Noninterest expense to average assets3.0254%2,263
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.4541%4,856
Return on assets (ROA)0.8492%3,220
Pretax return on assets0.8492%4,125
Return on Equity (ROE)6.2523%3,933
Retained earnings to average equity (ytd only)6.2523%1,988
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.9492%797
Assets per employee ($millions)2.9975%5,443
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.4702%1,982
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,652
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets41.6687%5,350
Net loans and leases to deposits48.5717%5,398
Net loans and leases to core deposits56.0753%5,167
Total domestic deposits to total assets85.7879%2,529
Equity capital to assets14.0877%991
Core capital (leverage) ratio13.9056%852
Tier 1 risk-based capital ratio22.7597%1,045
Total risk-based capital ratio23.7696%1,060
Memoranda:
Average total assets$33,913,3305,778
Average earning assets$31,921,3305,753
Average equity$4,606,3305,656
Average total loans$14,178,0005,807
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3123%5,297
Cost of funding earning assets0.0989%5,920
Net interest margin3.2134%4,540
Noninterest income to average assets0.4188%3,689
Noninterest expense to average assets2.9549%2,529
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.4886%4,680
Return on assets (ROA)0.8143%3,296
Pretax return on assets0.8143%4,149
Return on Equity (ROE)6.1042%3,931
Retained earnings to average equity (ytd only)6.1042%2,328
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.8108%991
Assets per employee ($millions)3.1216%5,371
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.4266%2,309
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,696
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets41.2517%5,387
Net loans and leases to deposits47.6840%5,435
Net loans and leases to core deposits54.2533%5,238
Total domestic deposits to total assets86.5106%2,440
Equity capital to assets13.4254%1,209
Core capital (leverage) ratio13.2049%1,082
Tier 1 risk-based capital ratio22.6717%1,059
Total risk-based capital ratio23.6943%1,070
Memoranda:
Average total assets$34,384,0005,831
Average earning assets$32,364,0005,800
Average equity$4,587,0005,707
Average total loans$14,295,0005,864
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3783%5,208
Cost of funding earning assets0.0969%5,977
Net interest margin3.2814%4,367
Noninterest income to average assets0.4312%3,809
Noninterest expense to average assets2.7953%3,249
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.7157%3,736
Return on assets (ROA)0.7157%3,842
Pretax return on assets0.7157%4,484
Return on Equity (ROE)5.4208%4,321
Retained earnings to average equity (ytd only)2.9770%3,947
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.6157%1,724
Assets per employee ($millions)3.4430%4,916
Cash dividends to net income (ytd only)*45.0820%2,589
Condition Ratios (%)
Loss allowance to loans1.4416%2,245
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,750
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets40.7058%5,480
Net loans and leases to deposits46.9577%5,519
Net loans and leases to core deposits54.0056%5,317
Total domestic deposits to total assets86.6860%2,281
Equity capital to assets13.2559%1,232
Core capital (leverage) ratio12.9074%1,180
Tier 1 risk-based capital ratio22.5828%1,073
Total risk-based capital ratio23.6173%1,083
Memoranda:
Average total assets$34,093,2005,887
Average earning assets$31,998,2005,857
Average equity$4,501,2005,759
Average total loans$13,719,0005,934
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3587%5,298
Cost of funding earning assets0.1046%6,044
Net interest margin3.2542%4,509
Noninterest income to average assets0.4312%3,857
Noninterest expense to average assets2.8619%2,969
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.6194%4,289
Return on assets (ROA)0.6194%4,396
Pretax return on assets0.6194%4,926
Return on Equity (ROE)4.6965%4,756
Retained earnings to average equity (ytd only)4.6965%3,131
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.2072%1,365
Assets per employee ($millions)3.4060%4,969
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.3978%2,613
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets42.4574%5,462
Net loans and leases to deposits49.1052%5,506
Net loans and leases to core deposits55.4997%5,331
Total domestic deposits to total assets86.4621%2,301
Equity capital to assets13.3999%1,276
Core capital (leverage) ratio13.2671%1,104
Tier 1 risk-based capital ratio20.6093%1,420
Total risk-based capital ratio21.5483%1,446
Memoranda:
Average total assets$34,009,0005,969
Average earning assets$31,876,5005,934
Average equity$4,485,5005,837
Average total loans$13,593,7506,013
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2589%5,517
Cost of funding earning assets0.1003%6,133
Net interest margin3.1587%4,792
Noninterest income to average assets0.3942%4,122
Noninterest expense to average assets2.8771%2,968
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.4825%4,839
Return on assets (ROA)0.4825%4,943
Pretax return on assets0.4825%5,271
Return on Equity (ROE)3.6777%5,149
Retained earnings to average equity (ytd only)3.6777%3,683
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.6392%1,089
Assets per employee ($millions)3.1065%5,458
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.4187%2,667
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets41.6874%5,522
Net loans and leases to deposits48.0196%5,597
Net loans and leases to core deposits53.8034%5,434
Total domestic deposits to total assets86.8134%2,261
Equity capital to assets13.0900%1,353
Core capital (leverage) ratio12.8894%1,215
Tier 1 risk-based capital ratio19.9189%1,568
Total risk-based capital ratio20.8422%1,613
Memoranda:
Average total assets$33,992,0006,035
Average earning assets$31,912,3305,997
Average equity$4,459,3305,902
Average total loans$13,236,3306,091
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2315%5,594
Cost of funding earning assets0.1132%6,143
Net interest margin3.1184%4,890
Noninterest income to average assets0.3776%4,178
Noninterest expense to average assets2.8906%2,941
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.4129%5,023
Return on assets (ROA)0.4129%5,135
Pretax return on assets0.4129%5,399
Return on Equity (ROE)3.1443%5,317
Retained earnings to average equity (ytd only)3.1443%4,099
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.5000%1,054
Assets per employee ($millions)3.7529%4,412
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.6429%1,915
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets36.3365%5,810
Net loans and leases to deposits41.8945%5,838
Net loans and leases to core deposits46.6583%5,722
Total domestic deposits to total assets86.7332%2,533
Equity capital to assets13.1958%1,304
Core capital (leverage) ratio12.8216%1,226
Tier 1 risk-based capital ratio20.6085%1,502
Total risk-based capital ratio21.5739%1,524
Memoranda:
Average total assets$33,902,5006,099
Average earning assets$31,811,5006,064
Average equity$4,452,5005,957
Average total loans$12,629,5006,161
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4081%5,514
Cost of funding earning assets0.1331%6,186
Net interest margin3.2750%4,668
Noninterest income to average assets0.4455%3,866
Noninterest expense to average assets2.8496%3,305
Loan and lease loss provision to assets0.0359%3,872
Net operating income to assets0.5771%4,470
Return on assets (ROA)0.5771%4,554
Pretax return on assets0.5771%5,006
Return on Equity (ROE)4.3812%4,944
Retained earnings to average equity (ytd only)2.1111%4,724
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.2971%1,630
Assets per employee ($millions)3.7810%4,380
Cash dividends to net income (ytd only)*51.8135%2,174
Condition Ratios (%)
Loss allowance to loans1.6039%2,074
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets36.9567%5,901
Net loans and leases to deposits42.5483%5,949
Net loans and leases to core deposits47.3334%5,842
Total domestic deposits to total assets86.8583%2,351
Equity capital to assets13.0712%1,335
Core capital (leverage) ratio12.9877%1,147
Tier 1 risk-based capital ratio21.3706%1,329
Total risk-based capital ratio22.3798%1,350
Memoranda:
Average total assets$33,443,4006,189
Average earning assets$30,808,8006,167
Average equity$4,405,2006,007
Average total loans$13,273,8006,219
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4490%5,502
Cost of funding earning assets0.1397%6,242
Net interest margin3.3093%4,567
Noninterest income to average assets0.4605%3,814
Noninterest expense to average assets2.8711%3,228
Loan and lease loss provision to assets0.0481%3,416
Net operating income to assets0.5766%4,558
Return on assets (ROA)0.5766%4,639
Pretax return on assets0.5766%5,101
Return on Equity (ROE)4.3691%5,016
Retained earnings to average equity (ytd only)4.3691%3,544
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.1306%1,604
Assets per employee ($millions)3.3863%5,067
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.5844%2,355
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets37.6045%5,958
Net loans and leases to deposits43.4415%6,002
Net loans and leases to core deposits48.3649%5,869
Total domestic deposits to total assets86.5635%2,547
Equity capital to assets13.2977%1,280
Core capital (leverage) ratio13.1702%1,112
Tier 1 risk-based capital ratio21.7275%1,303
Total risk-based capital ratio22.7417%1,324
Memoranda:
Average total assets$33,297,0006,266
Average earning assets$30,539,2506,247
Average equity$4,394,5006,070
Average total loans$13,397,0006,288
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5296%5,346
Cost of funding earning assets0.1457%6,290
Net interest margin3.3839%4,245
Noninterest income to average assets0.4772%3,653
Noninterest expense to average assets2.9358%3,046
Loan and lease loss provision to assets0.0725%2,822
Net operating income to assets0.5558%4,566
Return on assets (ROA)0.5558%4,675
Pretax return on assets0.5558%5,112
Return on Equity (ROE)4.2218%5,051
Retained earnings to average equity (ytd only)4.2218%3,484
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.3729%1,705
Assets per employee ($millions)3.2753%5,297
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.5616%2,619
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,288
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets39.6483%5,847
Net loans and leases to deposits45.9015%5,887
Net loans and leases to core deposits51.4317%5,703
Total domestic deposits to total assets86.3768%2,834
Equity capital to assets13.4980%1,156
Core capital (leverage) ratio13.0701%1,132
Tier 1 risk-based capital ratio21.1876%1,413
Total risk-based capital ratio22.1935%1,431
Memoranda:
Average total assets$33,108,3306,327
Average earning assets$30,202,0006,312
Average equity$4,358,3306,122
Average total loans$13,549,6706,335
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5568%5,283
Cost of funding earning assets0.1444%6,385
Net interest margin3.4124%4,066
Noninterest income to average assets0.4326%3,931
Noninterest expense to average assets2.9922%2,882
Loan and lease loss provision to assets0.1442%1,691
Net operating income to assets0.4206%5,039
Return on assets (ROA)0.4206%5,109
Pretax return on assets0.4206%5,383
Return on Equity (ROE)3.2355%5,373
Retained earnings to average equity (ytd only)3.2355%4,179
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.1216%1,659
Assets per employee ($millions)3.3479%5,262
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.5225%3,054
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,361
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets39.6069%5,833
Net loans and leases to deposits45.5701%5,881
Net loans and leases to core deposits52.3966%5,596
Total domestic deposits to total assets86.9142%2,863
Equity capital to assets13.0171%1,298
Core capital (leverage) ratio12.9323%1,192
Tier 1 risk-based capital ratio20.7351%1,530
Total risk-based capital ratio21.7278%1,562
Memoranda:
Average total assets$33,286,0006,388
Average earning assets$30,477,0006,372
Average equity$4,327,0006,175
Average total loans$13,728,5006,391
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6732%5,211
Cost of funding earning assets0.1528%6,525
Net interest margin3.5204%3,806
Noninterest income to average assets0.5492%3,410
Noninterest expense to average assets2.9414%3,226
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.7720%3,436
Return on assets (ROA)0.7720%3,529
Pretax return on assets0.7720%4,258
Return on Equity (ROE)5.8952%4,150
Retained earnings to average equity (ytd only)3.0991%4,029
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2112%2,282
Assets per employee ($millions)3.0085%5,824
Cash dividends to net income (ytd only)*47.4308%2,408
Condition Ratios (%)
Loss allowance to loans1.3794%3,744
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,461
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets41.6976%5,844
Net loans and leases to deposits47.9682%5,900
Net loans and leases to core deposits55.7513%5,553
Total domestic deposits to total assets86.9277%2,762
Equity capital to assets12.9816%1,280
Core capital (leverage) ratio12.7094%1,253
Tier 1 risk-based capital ratio20.1480%1,620
Total risk-based capital ratio21.0634%1,665
Memoranda:
Average total assets$32,773,0006,466
Average earning assets$29,456,8006,457
Average equity$4,291,6006,265
Average total loans$13,350,8006,475
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6743%5,237
Cost of funding earning assets0.1510%6,634
Net interest margin3.5233%3,786
Noninterest income to average assets0.5669%3,352
Noninterest expense to average assets3.0261%2,898
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.6811%3,950
Return on assets (ROA)0.6811%4,093
Pretax return on assets0.6811%4,744
Return on Equity (ROE)5.1896%4,632
Retained earnings to average equity (ytd only)5.1896%2,942
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.6282%1,876
Assets per employee ($millions)2.9381%5,943
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.3675%4,039
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,542
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets43.0706%5,808
Net loans and leases to deposits49.7961%5,848
Net loans and leases to core deposits55.2556%5,683
Total domestic deposits to total assets86.4940%2,969
Equity capital to assets13.3111%1,195
Core capital (leverage) ratio13.2120%1,126
Tier 1 risk-based capital ratio20.5411%1,593
Total risk-based capital ratio21.4669%1,658
Memoranda:
Average total assets$32,693,0006,540
Average earning assets$29,138,2506,536
Average equity$4,290,5006,338
Average total loans$13,190,5006,550
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6184%5,374
Cost of funding earning assets0.1582%6,682
Net interest margin3.4602%3,956
Noninterest income to average assets0.5790%3,325
Noninterest expense to average assets2.9496%3,169
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.6947%3,829
Return on assets (ROA)0.6947%4,003
Pretax return on assets0.6947%4,697
Return on Equity (ROE)5.3188%4,553
Retained earnings to average equity (ytd only)5.3188%2,855
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.9365%2,031
Assets per employee ($millions)2.9528%5,926
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.4924%3,622
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,597
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets39.2199%6,096
Net loans and leases to deposits45.3168%6,150
Net loans and leases to core deposits50.7530%5,980
Total domestic deposits to total assets86.5460%3,095
Equity capital to assets13.2539%1,240
Core capital (leverage) ratio12.8490%1,229
Tier 1 risk-based capital ratio21.3403%1,414
Total risk-based capital ratio22.3142%1,448
Memoranda:
Average total assets$32,817,6706,582
Average earning assets$29,073,3306,585
Average equity$4,286,6706,387
Average total loans$12,883,0006,601
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6870%5,211
Cost of funding earning assets0.1670%6,744
Net interest margin3.5200%3,619
Noninterest income to average assets0.6791%2,700
Noninterest expense to average assets3.0195%2,924
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.7276%3,552
Return on assets (ROA)0.7276%3,688
Pretax return on assets0.7276%4,453
Return on Equity (ROE)5.6108%4,257
Retained earnings to average equity (ytd only)5.6108%2,893
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.5825%2,236
Assets per employee ($millions)3.0014%5,983
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.5336%3,681
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,664
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets37.5345%6,179
Net loans and leases to deposits43.2184%6,259
Net loans and leases to core deposits50.8578%5,905
Total domestic deposits to total assets86.8484%3,048
Equity capital to assets13.0426%1,409
Core capital (leverage) ratio12.4012%1,381
Tier 1 risk-based capital ratio21.6501%1,392
Total risk-based capital ratio22.6509%1,421
Memoranda:
Average total assets$32,986,0006,645
Average earning assets$28,750,0006,655
Average equity$4,277,5006,451
Average total loans$12,858,5006,664
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8899%5,599
Cost of funding earning assets0.2596%6,633
Net interest margin3.6304%3,965
Noninterest income to average assets0.4399%4,322
Noninterest expense to average assets3.2768%2,404
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.3884%5,146
Return on assets (ROA)0.3884%5,383
Pretax return on assets0.3884%5,602
Return on Equity (ROE)2.9929%5,555
Retained earnings to average equity (ytd only)0.6547%5,533
Net charge-offs to loans0.2444%3,479
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)3.7647%3,614
Efficiency ratio89.4040%1,116
Assets per employee ($millions)3.2957%5,427
Cash dividends to net income (ytd only)*78.1250%1,069
Condition Ratios (%)
Loss allowance to loans1.4697%3,870
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,725
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets39.2602%6,217
Net loans and leases to deposits45.0978%6,299
Net loans and leases to core deposits52.4994%5,980
Total domestic deposits to total assets87.0559%2,813
Equity capital to assets12.8926%1,494
Core capital (leverage) ratio12.3863%1,365
Tier 1 risk-based capital ratio21.0996%1,434
Total risk-based capital ratio22.0894%1,464
Memoranda:
Average total assets$32,959,0006,682
Average earning assets$29,280,6006,684
Average equity$4,276,8006,506
Average total loans$13,908,8006,701
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8790%5,835
Cost of funding earning assets0.2809%6,693
Net interest margin3.5981%4,244
Noninterest income to average assets0.4409%4,357
Noninterest expense to average assets2.8802%3,671
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets0.7726%3,588
Return on assets (ROA)0.7726%3,842
Pretax return on assets0.7726%4,587
Return on Equity (ROE)5.9448%4,356
Retained earnings to average equity (ytd only)5.9448%2,732
Net charge-offs to loans0.3214%2,838
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)5.6179%2,973
Efficiency ratio78.8483%2,257
Assets per employee ($millions)3.2758%5,490
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.3616%4,536
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.1478%3,995
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets42.6797%6,066
Net loans and leases to deposits49.4220%6,156
Net loans and leases to core deposits54.3881%6,017
Total domestic deposits to total assets86.3575%3,057
Equity capital to assets13.4654%1,361
Core capital (leverage) ratio13.0974%1,151
Tier 1 risk-based capital ratio21.0563%1,513
Total risk-based capital ratio22.0062%1,550
Memoranda:
Average total assets$32,959,5006,765
Average earning assets$29,422,5006,764
Average equity$4,283,7506,572
Average total loans$14,103,0006,785
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8407%6,052
Cost of funding earning assets0.3043%6,722
Net interest margin3.5365%4,521
Noninterest income to average assets0.4300%4,433
Noninterest expense to average assets2.8886%3,668
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.7085%3,830
Return on assets (ROA)0.7085%4,089
Pretax return on assets0.7085%4,811
Return on Equity (ROE)5.5171%4,575
Retained earnings to average equity (ytd only)5.5171%2,979
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.3030%2,125
Assets per employee ($millions)3.3264%5,388
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.6388%3,466
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.0732%4,238
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets40.9602%6,277
Net loans and leases to deposits47.1274%6,369
Net loans and leases to core deposits54.2418%6,078
Total domestic deposits to total assets86.9138%2,824
Equity capital to assets12.9509%1,544
Core capital (leverage) ratio12.6569%1,290
Tier 1 risk-based capital ratio20.9550%1,487
Total risk-based capital ratio22.0865%1,483
Memoranda:
Average total assets$33,026,6706,812
Average earning assets$29,577,6706,809
Average equity$4,241,3306,621
Average total loans$14,079,3306,841
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9090%5,998
Cost of funding earning assets0.3257%6,747
Net interest margin3.5832%4,337
Noninterest income to average assets0.3647%4,957
Noninterest expense to average assets2.9780%3,338
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.5956%4,364
Return on assets (ROA)0.5956%4,581
Pretax return on assets0.5956%5,136
Return on Equity (ROE)4.6578%4,955
Retained earnings to average equity (ytd only)4.6578%3,777
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.3333%1,753
Assets per employee ($millions)3.3168%5,522
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.6787%3,432
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.5617%3,518
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets40.0838%6,347
Net loans and leases to deposits45.9637%6,436
Net loans and leases to core deposits51.7355%6,226
Total domestic deposits to total assets87.2075%2,820
Equity capital to assets12.7291%1,583
Core capital (leverage) ratio12.4335%1,367
Tier 1 risk-based capital ratio20.9375%1,507
Total risk-based capital ratio22.0867%1,488
Memoranda:
Average total assets$32,908,0006,868
Average earning assets$29,470,5006,866
Average equity$4,208,0006,664
Average total loans$14,193,0006,895
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0608%6,340
Cost of funding earning assets0.5406%6,383
Net interest margin3.5203%5,069
Noninterest income to average assets0.4198%4,449
Noninterest expense to average assets2.8880%4,002
Loan and lease loss provision to assets0.0357%6,120
Net operating income to assets0.7145%3,420
Return on assets (ROA)0.7145%3,600
Pretax return on assets0.7145%4,274
Return on Equity (ROE)5.7590%3,997
Retained earnings to average equity (ytd only)0.9598%5,410
Net charge-offs to loans0.0200%6,163
Credit loss provision to net charge-offs400.0000%574
Earnings coverage of net charge-offs (x)84.0000%349
Efficiency ratio79.3781%2,391
Assets per employee ($millions)3.2648%5,592
Cash dividends to net income (ytd only)*83.3333%690
Condition Ratios (%)
Loss allowance to loans1.5272%3,900
Loan loss allowance to noncurrent loans7,566.6667%88
Noncurrent assets plus other real estate owned to assets1.0935%4,429
Noncurrent loans to loans0.0202%6,777
Net loans and leases to total assets44.8328%6,133
Net loans and leases to deposits51.4644%6,258
Net loans and leases to core deposits56.3829%6,132
Total domestic deposits to total assets87.1141%2,701
Equity capital to assets12.8461%1,575
Core capital (leverage) ratio12.3162%1,428
Tier 1 risk-based capital ratio19.8446%1,675
Total risk-based capital ratio20.9468%1,670
Memoranda:
Average total assets$33,587,6006,870
Average earning assets$30,708,0006,846
Average equity$4,167,4006,709
Average total loans$15,029,8006,904
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0720%6,471
Cost of funding earning assets0.5817%6,369
Net interest margin3.4903%5,230
Noninterest income to average assets0.4179%4,525
Noninterest expense to average assets2.8462%4,162
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets0.7648%3,319
Return on assets (ROA)0.7648%3,482
Pretax return on assets0.7648%4,262
Return on Equity (ROE)6.2167%3,918
Retained earnings to average equity (ytd only)6.2167%2,422
Net charge-offs to loans0.0265%5,774
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)64.6650%508
Efficiency ratio78.8210%2,427
Assets per employee ($millions)2.9644%6,197
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.4036%4,551
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.0856%4,585
Noncurrent loans to loans0.0000%6,971
Net loans and leases to total assets46.3169%6,116
Net loans and leases to deposits53.5624%6,251
Net loans and leases to core deposits61.7432%5,836
Total domestic deposits to total assets86.4726%2,949
Equity capital to assets13.2974%1,466
Core capital (leverage) ratio12.8546%1,272
Tier 1 risk-based capital ratio20.7201%1,519
Total risk-based capital ratio21.7706%1,531
Memoranda:
Average total assets$33,822,5006,927
Average earning assets$30,942,0006,907
Average equity$4,160,7506,765
Average total loans$15,071,2506,967
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0493%6,575
Cost of funding earning assets0.6161%6,381
Net interest margin3.4332%5,429
Noninterest income to average assets0.3798%4,845
Noninterest expense to average assets2.8165%4,359
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.6895%3,597
Return on assets (ROA)0.6895%3,716
Pretax return on assets0.6895%4,421
Return on Equity (ROE)5.7528%4,087
Retained earnings to average equity (ytd only)5.7528%2,568
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.3333%2,333
Assets per employee ($millions)2.5774%6,827
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.4662%4,275
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.0565%4,775
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets43.7235%6,458
Net loans and leases to deposits50.1300%6,582
Net loans and leases to core deposits59.3598%6,152
Total domestic deposits to total assets87.2202%2,611
Equity capital to assets12.5560%1,750
Core capital (leverage) ratio12.3558%1,425
Tier 1 risk-based capital ratio20.8177%1,454
Total risk-based capital ratio21.9073%1,457
Memoranda:
Average total assets$34,227,3306,981
Average earning assets$31,166,0006,960
Average equity$4,102,3306,819
Average total loans$14,989,0007,038
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9795%6,728
Cost of funding earning assets0.6675%6,306
Net interest margin3.3121%5,732
Noninterest income to average assets0.3816%4,861
Noninterest expense to average assets2.7871%4,502
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.6361%3,830
Return on assets (ROA)0.6361%3,903
Pretax return on assets0.6361%4,552
Return on Equity (ROE)5.4321%4,187
Retained earnings to average equity (ytd only)5.4321%2,943
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.4189%2,316
Assets per employee ($millions)2.6247%6,809
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4275%4,532
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.0375%4,837
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets44.1165%6,460
Net loans and leases to deposits50.2034%6,613
Net loans and leases to core deposits61.6043%5,963
Total domestic deposits to total assets87.8755%2,441
Equity capital to assets11.9692%1,935
Core capital (leverage) ratio11.7676%1,695
Tier 1 risk-based capital ratio20.3191%1,517
Total risk-based capital ratio21.3992%1,524
Memoranda:
Average total assets$34,588,0007,026
Average earning assets$31,762,5006,995
Average equity$4,050,0006,872
Average total loans$15,049,5007,085
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4422%6,537
Cost of funding earning assets0.8669%6,314
Net interest margin3.5754%4,934
Noninterest income to average assets0.5245%3,992
Noninterest expense to average assets3.4197%2,383
Loan and lease loss provision to assets0.1199%5,958
Net operating income to assets0.2607%5,072
Return on assets (ROA)0.2607%5,231
Pretax return on assets0.2607%5,337
Return on Equity (ROE)2.1309%5,337
Retained earnings to average equity (ytd only)1.3961%4,838
Net charge-offs to loans0.0184%6,631
Credit loss provision to net charge-offs1,333.3333%170
Earnings coverage of net charge-offs (x)42.3333%551
Efficiency ratio89.9842%1,329
Assets per employee ($millions)2.5039%7,005
Cash dividends to net income (ytd only)*34.4828%2,842
Condition Ratios (%)
Loss allowance to loans1.4702%4,181
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.0098%4,980
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets41.6774%6,865
Net loans and leases to deposits47.1230%6,993
Net loans and leases to core deposits58.2397%6,539
Total domestic deposits to total assets88.4439%1,987
Equity capital to assets11.4563%2,301
Core capital (leverage) ratio11.5974%1,782
Tier 1 risk-based capital ratio20.2543%1,441
Total risk-based capital ratio21.3456%1,438
Memoranda:
Average total assets$33,365,4007,103
Average earning assets$30,570,2007,072
Average equity$4,082,8006,968
Average total loans$16,316,2007,103
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5604%6,444
Cost of funding earning assets0.8953%6,409
Net interest margin3.6651%4,569
Noninterest income to average assets0.4816%4,323
Noninterest expense to average assets3.0557%3,553
Loan and lease loss provision to assets0.0283%6,786
Net operating income to assets0.7609%3,174
Return on assets (ROA)0.7609%3,328
Pretax return on assets0.7609%4,050
Return on Equity (ROE)6.1144%3,763
Retained earnings to average equity (ytd only)6.1144%2,299
Net charge-offs to loans0.0240%6,342
Credit loss provision to net charge-offs233.3333%1,456
Earnings coverage of net charge-offs (x)64.9975%462
Efficiency ratio79.4737%2,425
Assets per employee ($millions)2.6240%6,895
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.1631%5,655
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.4423%4,292
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets46.0864%6,684
Net loans and leases to deposits52.6561%6,855
Net loans and leases to core deposits62.6934%6,399
Total domestic deposits to total assets87.5235%2,248
Equity capital to assets12.2801%1,989
Core capital (leverage) ratio12.5984%1,370
Tier 1 risk-based capital ratio20.3358%1,479
Total risk-based capital ratio21.2363%1,521
Memoranda:
Average total assets$32,943,0007,207
Average earning assets$30,230,2507,166
Average equity$4,099,5007,050
Average total loans$16,688,2507,183
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6282%6,377
Cost of funding earning assets0.9190%6,505
Net interest margin3.7093%4,318
Noninterest income to average assets0.4485%4,527
Noninterest expense to average assets3.1149%3,245
Loan and lease loss provision to assets0.0430%6,546
Net operating income to assets0.7127%3,347
Return on assets (ROA)0.7127%3,499
Pretax return on assets0.7127%4,192
Return on Equity (ROE)5.7007%3,939
Retained earnings to average equity (ytd only)5.7007%2,494
Net charge-offs to loans0.0354%5,858
Credit loss provision to net charge-offs233.3333%1,651
Earnings coverage of net charge-offs (x)41.0000%711
Efficiency ratio80.4762%2,374
Assets per employee ($millions)2.7479%6,694
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.1361%5,762
Loan loss allowance to noncurrent loans128.4722%2,173
Noncurrent assets plus other real estate owned to assets2.1713%3,294
Noncurrent loans to loans0.8843%5,501
Net loans and leases to total assets48.8218%6,561
Net loans and leases to deposits55.9071%6,734
Net loans and leases to core deposits67.9828%6,056
Total domestic deposits to total assets87.3268%2,371
Equity capital to assets12.4943%1,806
Core capital (leverage) ratio12.3340%1,481
Tier 1 risk-based capital ratio20.1038%1,500
Total risk-based capital ratio21.0098%1,525
Memoranda:
Average total assets$32,553,3307,269
Average earning assets$30,033,0007,228
Average equity$4,069,6707,100
Average total loans$16,949,0007,223
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7162%6,188
Cost of funding earning assets0.9085%6,739
Net interest margin3.8077%3,768
Noninterest income to average assets0.3958%4,948
Noninterest expense to average assets2.9682%3,790
Loan and lease loss provision to assets0.0866%5,774
Net operating income to assets0.8657%2,691
Return on assets (ROA)0.8657%2,775
Pretax return on assets0.8657%3,603
Return on Equity (ROE)6.9230%3,384
Retained earnings to average equity (ytd only)6.9230%2,169
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.7098%3,273
Assets per employee ($millions)2.5064%7,185
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.0941%6,033
Loan loss allowance to noncurrent loans32.0819%6,276
Noncurrent assets plus other real estate owned to assets1.7985%3,791
Noncurrent loans to loans3.4103%2,337
Net loans and leases to total assets52.1591%6,254
Net loans and leases to deposits59.7112%6,496
Net loans and leases to core deposits75.0895%5,374
Total domestic deposits to total assets87.3523%2,435
Equity capital to assets12.5157%1,749
Core capital (leverage) ratio12.6052%1,368
Tier 1 risk-based capital ratio20.0118%1,520
Total risk-based capital ratio20.9387%1,553
Memoranda:
Average total assets$32,342,5007,364
Average earning assets$29,939,5007,323
Average equity$4,044,5007,170
Average total loans$17,281,5007,295
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3951%4,720
Cost of funding earning assets1.1011%6,979
Net interest margin4.2940%1,736
Noninterest income to average assets0.3532%5,575
Noninterest expense to average assets3.1756%3,458
Loan and lease loss provision to assets0.0193%7,310
Net operating income to assets1.1527%1,382
Return on assets (ROA)1.1527%1,406
Pretax return on assets1.1527%2,087
Return on Equity (ROE)9.0647%2,005
Retained earnings to average equity (ytd only)5.2772%1,682
Net charge-offs to loans0.0910%6,219
Credit loss provision to net charge-offs35.2941%6,868
Earnings coverage of net charge-offs (x)21.4706%1,000
Efficiency ratio73.0428%4,088
Assets per employee ($millions)2.4694%7,248
Cash dividends to net income (ytd only)*41.7827%2,839
Condition Ratios (%)
Loss allowance to loans1.0414%6,168
Loan loss allowance to noncurrent loans36.4919%6,000
Noncurrent assets plus other real estate owned to assets1.5451%4,059
Noncurrent loans to loans2.8539%2,698
Net loans and leases to total assets53.5761%6,237
Net loans and leases to deposits61.2696%6,536
Net loans and leases to core deposits99.1811%4,094
Total domestic deposits to total assets87.4431%2,247
Equity capital to assets12.4945%1,752
Core capital (leverage) ratio12.3476%1,513
Tier 1 risk-based capital ratio19.8754%1,481
Total risk-based capital ratio20.7773%1,517
Memoranda:
Average total assets$31,143,6007,436
Average earning assets$28,970,8007,392
Average equity$3,960,4007,310
Average total loans$18,685,6007,275
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5353%4,241
Cost of funding earning assets1.1256%7,114
Net interest margin4.4097%1,417
Noninterest income to average assets0.3495%5,700
Noninterest expense to average assets3.2012%3,293
Loan and lease loss provision to assets0.0086%7,238
Net operating income to assets1.2468%1,352
Return on assets (ROA)1.2468%1,420
Pretax return on assets1.2468%2,116
Return on Equity (ROE)9.7605%2,010
Retained earnings to average equity (ytd only)9.7605%677
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.8296%4,274
Assets per employee ($millions)2.3887%7,392
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.0724%5,885
Loan loss allowance to noncurrent loans39.1129%5,752
Noncurrent assets plus other real estate owned to assets1.6778%3,860
Noncurrent loans to loans2.7417%2,763
Net loans and leases to total assets57.6337%5,944
Net loans and leases to deposits66.5168%6,258
Net loans and leases to core deposits101.0559%4,259
Total domestic deposits to total assets86.6454%2,357
Equity capital to assets13.1775%1,631
Core capital (leverage) ratio13.0887%1,350
Tier 1 risk-based capital ratio20.0020%1,559
Total risk-based capital ratio20.9556%1,574
Memoranda:
Average total assets$30,904,0007,509
Average earning assets$28,784,0007,469
Average equity$3,947,7507,382
Average total loans$19,012,0007,319
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6911%3,591
Cost of funding earning assets1.1285%7,301
Net interest margin4.5627%1,031
Noninterest income to average assets0.3500%5,698
Noninterest expense to average assets3.2281%3,244
Loan and lease loss provision to assets0.0130%7,085
Net operating income to assets1.3548%1,116
Return on assets (ROA)1.3548%1,188
Pretax return on assets1.3548%1,851
Return on Equity (ROE)10.7189%1,783
Retained earnings to average equity (ytd only)10.7189%609
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.2398%4,727
Assets per employee ($millions)2.4018%7,422
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.0462%5,931
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1217%7,260
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets58.7657%5,864
Net loans and leases to deposits67.6012%6,237
Net loans and leases to core deposits104.7198%3,988
Total domestic deposits to total assets86.9299%2,290
Equity capital to assets12.8395%1,771
Core capital (leverage) ratio12.8098%1,501
Tier 1 risk-based capital ratio19.4777%1,681
Total risk-based capital ratio20.4247%1,696
Memoranda:
Average total assets$30,854,3307,574
Average earning assets$28,711,3307,540
Average equity$3,899,6707,451
Average total loans$19,319,0007,372
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7730%3,421
Cost of funding earning assets1.1490%7,419
Net interest margin4.6240%903
Noninterest income to average assets0.3521%5,628
Noninterest expense to average assets3.3258%2,581
Loan and lease loss provision to assets0.0261%6,592
Net operating income to assets1.3042%1,373
Return on assets (ROA)1.3042%1,471
Pretax return on assets1.3042%2,269
Return on Equity (ROE)10.4031%2,170
Retained earnings to average equity (ytd only)10.4031%1,098
Net charge-offs to loans0.0203%5,283
Credit loss provision to net charge-offs200.0000%2,207
Earnings coverage of net charge-offs (x)102.0000%428
Efficiency ratio71.4286%4,282
Assets per employee ($millions)2.1868%7,731
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.9947%6,224
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1241%7,214
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets62.7438%5,201
Net loans and leases to deposits72.0085%5,746
Net loans and leases to core deposits111.6089%3,249
Total domestic deposits to total assets87.1338%2,157
Equity capital to assets12.7323%1,870
Core capital (leverage) ratio12.5546%1,667
Tier 1 risk-based capital ratio18.4490%1,949
Total risk-based capital ratio19.3666%1,974
Memoranda:
Average total assets$30,669,5007,622
Average earning assets$28,546,5007,591
Average equity$3,845,0007,507
Average total loans$19,707,0007,387
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9155%5,961
Cost of funding earning assets1.5955%7,461
Net interest margin4.3200%1,919
Noninterest income to average assets0.3307%6,078
Noninterest expense to average assets2.7693%4,954
Loan and lease loss provision to assets0.1422%5,536
Net operating income to assets1.3692%1,301
Return on assets (ROA)1.3692%1,253
Pretax return on assets1.3692%2,060
Return on Equity (ROE)11.8920%1,627
Retained earnings to average equity (ytd only)6.5231%1,328
Net charge-offs to loans-0.0057%7,793
Credit loss provision to net charge-offs-4,600.0000%7,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6931%5,397
Assets per employee ($millions)2.1946%7,720
Cash dividends to net income (ytd only)*45.1467%3,395
Condition Ratios (%)
Loss allowance to loans0.9594%6,351
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1237%7,081
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets64.5098%5,172
Net loans and leases to deposits73.6666%5,881
Net loans and leases to core deposits114.0785%3,332
Total domestic deposits to total assets87.5700%1,684
Equity capital to assets12.3421%2,089
Core capital (leverage) ratio12.1418%1,904
Tier 1 risk-based capital ratio17.5292%2,171
Total risk-based capital ratio18.4196%2,211
Memoranda:
Average total assets$32,354,6007,543
Average earning assets$29,583,4007,537
Average equity$3,725,2007,599
Average total loans$17,432,4007,496