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Miners Exchange Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6087%504
Cost of funding earning assets0.2426%3,021
Net interest margin4.3661%356
Noninterest income to average assets0.8372%1,354
Noninterest expense to average assets4.3169%234
Loan and lease loss provision to assets0.0977%1,271
Net operating income to assets0.2009%4,534
Return on assets (ROA)0.2243%4,528
Pretax return on assets0.2758%4,513
Return on Equity (ROE)1.8226%4,520
Retained earnings to average equity (ytd only)0.8197%4,306
Net charge-offs to loans0.1042%835
Credit loss provision to net charge-offs171.6981%1,402
Earnings coverage of net charge-offs (x)6.0566%2,417
Efficiency ratio92.6088%258
Assets per employee ($millions)2.1533%4,760
Cash dividends to net income (ytd only)*55.0239%1,283
Condition Ratios (%)
Loss allowance to loans1.1174%3,286
Loan loss allowance to noncurrent loans96.2521%3,435
Noncurrent assets plus other real estate owned to assets1.4118%311
Noncurrent loans to loans1.1609%827
Net loans and leases to total assets51.6001%3,109
Net loans and leases to deposits59.5366%3,122
Net loans and leases to core deposits62.5367%3,114
Total domestic deposits to total assets86.6696%2,634
Equity capital to assets11.7741%1,358
Core capital (leverage) ratio11.8902%1,130
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$93,168,2004,069
Average earning assets$81,606,0004,104
Average equity$11,467,4003,982
Average total loans$50,853,4003,982
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6704%511
Cost of funding earning assets0.2515%3,112
Net interest margin4.4190%364
Noninterest income to average assets0.9006%1,255
Noninterest expense to average assets4.3279%238
Loan and lease loss provision to assets0.1290%903
Net operating income to assets0.2459%4,579
Return on assets (ROA)0.2775%4,574
Pretax return on assets0.3440%4,554
Return on Equity (ROE)2.2295%4,562
Retained earnings to average equity (ytd only)0.8941%4,432
Net charge-offs to loans0.2304%359
Credit loss provision to net charge-offs101.1364%1,565
Earnings coverage of net charge-offs (x)3.4091%2,312
Efficiency ratio90.8925%296
Assets per employee ($millions)2.0986%4,834
Cash dividends to net income (ytd only)*59.8958%853
Condition Ratios (%)
Loss allowance to loans1.0506%3,660
Loan loss allowance to noncurrent loans149.5751%2,911
Noncurrent assets plus other real estate owned to assets1.3374%418
Noncurrent loans to loans0.7024%1,580
Net loans and leases to total assets52.6605%3,123
Net loans and leases to deposits61.1179%3,128
Net loans and leases to core deposits64.2993%3,109
Total domestic deposits to total assets86.1622%2,685
Equity capital to assets12.1732%1,322
Core capital (leverage) ratio12.1094%1,118
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$92,235,5004,128
Average earning assets$80,590,0004,174
Average equity$11,482,0004,038
Average total loans$50,925,5004,033
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6686%561
Cost of funding earning assets0.2577%3,211
Net interest margin4.4109%409
Noninterest income to average assets0.6841%1,871
Noninterest expense to average assets4.3496%231
Loan and lease loss provision to assets0.0415%2,177
Net operating income to assets0.1125%4,699
Return on assets (ROA)0.1574%4,684
Pretax return on assets0.2033%4,666
Return on Equity (ROE)1.2546%4,675
Retained earnings to average equity (ytd only)1.2546%4,290
Net charge-offs to loans0.1721%491
Credit loss provision to net charge-offs43.1818%1,643
Earnings coverage of net charge-offs (x)1.9545%2,153
Efficiency ratio95.8574%223
Assets per employee ($millions)2.0636%4,872
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.9775%3,893
Loan loss allowance to noncurrent loans105.4622%3,295
Noncurrent assets plus other real estate owned to assets1.3159%485
Noncurrent loans to loans0.9269%1,334
Net loans and leases to total assets54.7598%3,044
Net loans and leases to deposits63.7023%3,032
Net loans and leases to core deposits67.0778%3,032
Total domestic deposits to total assets85.9620%2,751
Equity capital to assets12.3894%1,185
Core capital (leverage) ratio12.3786%961
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$91,501,6674,157
Average earning assets$79,937,6674,209
Average equity$11,477,3334,049
Average total loans$51,147,6674,055
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4876%792
Cost of funding earning assets0.2672%3,304
Net interest margin4.2203%579
Noninterest income to average assets0.6078%2,172
Noninterest expense to average assets4.3294%227
Loan and lease loss provision to assets0.0352%2,305
Net operating income to assets-0.0596%4,794
Return on assets (ROA)0.0308%4,770
Pretax return on assets0.0440%4,763
Return on Equity (ROE)0.2443%4,770
Retained earnings to average equity (ytd only)0.2443%4,341
Net charge-offs to loans0.2664%321
Credit loss provision to net charge-offs23.5294%1,406
Earnings coverage of net charge-offs (x)-0.2353%1,896
Efficiency ratio100.8205%183
Assets per employee ($millions)2.0767%4,899
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.9930%3,865
Loan loss allowance to noncurrent loans50.5040%3,984
Noncurrent assets plus other real estate owned to assets1.9251%273
Noncurrent loans to loans1.9661%555
Net loans and leases to total assets54.6693%3,170
Net loans and leases to deposits63.6506%3,160
Net loans and leases to core deposits67.1204%3,147
Total domestic deposits to total assets85.8897%2,775
Equity capital to assets12.4895%1,087
Core capital (leverage) ratio12.6061%956
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.0457%449
Memoranda:
Average total assets$90,821,5004,175
Average earning assets$79,330,0004,227
Average equity$11,463,5004,060
Average total loans$51,045,0004,069
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4840%195
Cost of funding earning assets0.3396%3,925
Net interest margin5.1445%102
Noninterest income to average assets0.6452%2,046
Noninterest expense to average assets4.7452%216
Loan and lease loss provision to assets0.0802%3,374
Net operating income to assets0.2381%4,521
Return on assets (ROA)0.2720%4,540
Pretax return on assets0.3348%4,507
Return on Equity (ROE)2.0613%4,556
Retained earnings to average equity (ytd only)1.0483%4,211
Net charge-offs to loans0.1708%972
Credit loss provision to net charge-offs77.5281%3,000
Earnings coverage of net charge-offs (x)3.6067%3,066
Efficiency ratio92.7095%299
Assets per employee ($millions)2.0035%4,925
Cash dividends to net income (ytd only)*49.1453%1,877
Condition Ratios (%)
Loss allowance to loans1.0206%3,794
Loan loss allowance to noncurrent loans158.7349%2,721
Noncurrent assets plus other real estate owned to assets1.2634%649
Noncurrent loans to loans0.6430%2,074
Net loans and leases to total assets56.6889%3,231
Net loans and leases to deposits66.1699%3,252
Net loans and leases to core deposits69.8258%3,264
Total domestic deposits to total assets85.6717%2,500
Equity capital to assets12.7711%1,194
Core capital (leverage) ratio13.0083%893
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$86,023,6004,174
Average earning assets$74,799,0004,221
Average equity$11,352,2004,043
Average total loans$52,120,0004,065
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5296%219
Cost of funding earning assets0.3563%4,024
Net interest margin5.1733%108
Noninterest income to average assets0.7248%1,719
Noninterest expense to average assets4.7847%208
Loan and lease loss provision to assets0.0988%3,091
Net operating income to assets0.2623%4,504
Return on assets (ROA)0.3075%4,486
Pretax return on assets0.3843%4,451
Return on Equity (ROE)2.3102%4,508
Retained earnings to average equity (ytd only)0.9547%4,270
Net charge-offs to loans0.1914%787
Credit loss provision to net charge-offs84.0000%2,733
Earnings coverage of net charge-offs (x)3.6267%2,899
Efficiency ratio91.8122%318
Assets per employee ($millions)1.9188%4,962
Cash dividends to net income (ytd only)*58.6735%1,168
Condition Ratios (%)
Loss allowance to loans0.9961%3,721
Loan loss allowance to noncurrent loans151.1299%2,692
Noncurrent assets plus other real estate owned to assets1.4720%586
Noncurrent loans to loans0.6591%2,140
Net loans and leases to total assets61.5829%3,060
Net loans and leases to deposits72.4406%3,093
Net loans and leases to core deposits75.7997%3,184
Total domestic deposits to total assets85.0116%2,432
Equity capital to assets13.2848%1,071
Core capital (leverage) ratio13.0017%950
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.5581%481
Memoranda:
Average total assets$84,990,2504,187
Average earning assets$73,710,5004,247
Average equity$11,311,7504,057
Average total loans$52,241,0004,086
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6104%274
Cost of funding earning assets0.3729%4,155
Net interest margin5.2375%131
Noninterest income to average assets0.6648%1,881
Noninterest expense to average assets4.8286%208
Loan and lease loss provision to assets0.0781%3,320
Net operating income to assets0.2526%4,506
Return on assets (ROA)0.2602%4,531
Pretax return on assets0.3194%4,514
Return on Equity (ROE)1.9541%4,544
Retained earnings to average equity (ytd only)-0.0888%4,317
Net charge-offs to loans0.1198%1,129
Credit loss provision to net charge-offs106.4516%2,357
Earnings coverage of net charge-offs (x)5.2903%2,523
Efficiency ratio92.5624%332
Assets per employee ($millions)1.9736%4,993
Cash dividends to net income (ytd only)*104.5455%440
Condition Ratios (%)
Loss allowance to loans1.0265%3,430
Loan loss allowance to noncurrent loans288.9474%1,606
Noncurrent assets plus other real estate owned to assets1.1561%957
Noncurrent loans to loans0.3552%3,128
Net loans and leases to total assets60.9581%3,220
Net loans and leases to deposits71.5187%3,301
Net loans and leases to core deposits74.7979%3,390
Total domestic deposits to total assets85.2338%2,292
Equity capital to assets13.1023%1,121
Core capital (leverage) ratio13.0443%986
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$84,538,0004,202
Average earning assets$73,470,3334,255
Average equity$11,258,6674,074
Average total loans$51,751,3334,107
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5948%304
Cost of funding earning assets0.4079%4,338
Net interest margin5.1869%145
Noninterest income to average assets0.7915%1,338
Noninterest expense to average assets4.9936%224
Loan and lease loss provision to assets0.0288%3,428
Net operating income to assets0.2291%4,478
Return on assets (ROA)0.2446%4,478
Pretax return on assets0.3022%4,451
Return on Equity (ROE)1.8216%4,480
Retained earnings to average equity (ytd only)-2.2859%4,284
Net charge-offs to loans0.1651%797
Credit loss provision to net charge-offs28.5714%2,159
Earnings coverage of net charge-offs (x)3.0952%2,232
Efficiency ratio94.1230%374
Assets per employee ($millions)1.7811%5,040
Cash dividends to net income (ytd only)*225.4902%247
Condition Ratios (%)
Loss allowance to loans1.0479%3,453
Loan loss allowance to noncurrent loans142.2460%2,650
Noncurrent assets plus other real estate owned to assets1.5477%682
Noncurrent loans to loans0.7367%2,159
Net loans and leases to total assets61.3141%3,372
Net loans and leases to deposits72.4449%3,402
Net loans and leases to core deposits75.9993%3,492
Total domestic deposits to total assets84.6355%2,552
Equity capital to assets13.6472%1,163
Core capital (leverage) ratio13.4450%1,047
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$83,387,0004,220
Average earning assets$72,567,0004,279
Average equity$11,199,0004,100
Average total loans$50,884,5004,141
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3836%691
Cost of funding earning assets0.3238%4,672
Net interest margin5.0598%233
Noninterest income to average assets0.5478%2,493
Noninterest expense to average assets4.6107%275
Loan and lease loss provision to assets0.1304%1,640
Net operating income to assets0.1567%4,880
Return on assets (ROA)0.1567%4,903
Pretax return on assets0.2235%4,872
Return on Equity (ROE)1.2808%4,885
Retained earnings to average equity (ytd only)0.0448%4,682
Net charge-offs to loans0.3755%531
Credit loss provision to net charge-offs61.3402%3,022
Earnings coverage of net charge-offs (x)1.6649%3,511
Efficiency ratio92.8713%269
Assets per employee ($millions)1.7286%5,102
Cash dividends to net income (ytd only)*96.5035%380
Condition Ratios (%)
Loss allowance to loans1.0274%3,324
Loan loss allowance to noncurrent loans154.1176%2,550
Noncurrent assets plus other real estate owned to assets1.4994%673
Noncurrent loans to loans0.6666%2,219
Net loans and leases to total assets59.5972%3,623
Net loans and leases to deposits69.9179%3,679
Net loans and leases to core deposits73.1976%3,784
Total domestic deposits to total assets85.2388%2,401
Equity capital to assets13.2948%1,374
Core capital (leverage) ratio12.5810%1,442
Tier 1 risk-based capital ratio23.0316%912
Total risk-based capital ratio24.0999%906
Memoranda:
Average total assets$91,266,4004,127
Average earning assets$79,667,4004,192
Average equity$11,164,6004,099
Average total loans$51,669,8004,148
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2950%870
Cost of funding earning assets0.3023%4,793
Net interest margin4.9927%296
Noninterest income to average assets0.6142%2,132
Noninterest expense to average assets4.4488%314
Loan and lease loss provision to assets0.1162%1,677
Net operating income to assets0.3301%4,808
Return on assets (ROA)0.3301%4,832
Pretax return on assets0.4104%4,801
Return on Equity (ROE)2.7527%4,806
Retained earnings to average equity (ytd only)1.1010%4,543
Net charge-offs to loans0.3832%435
Credit loss provision to net charge-offs54.3624%2,750
Earnings coverage of net charge-offs (x)2.4631%3,192
Efficiency ratio89.4145%344
Assets per employee ($millions)2.0563%5,156
Cash dividends to net income (ytd only)*60.0013%1,280
Condition Ratios (%)
Loss allowance to loans1.0208%3,455
Loan loss allowance to noncurrent loans177.0000%2,302
Noncurrent assets plus other real estate owned to assets1.4302%798
Noncurrent loans to loans0.5767%2,568
Net loans and leases to total assets51.0987%4,365
Net loans and leases to deposits58.4225%4,458
Net loans and leases to core deposits60.3580%4,523
Total domestic deposits to total assets87.4640%1,277
Equity capital to assets11.2884%2,843
Core capital (leverage) ratio12.9153%1,375
Tier 1 risk-based capital ratio21.2217%1,168
Total risk-based capital ratio22.2115%1,175
Memoranda:
Average total assets$92,907,5004,148
Average earning assets$81,156,7504,217
Average equity$11,140,5004,139
Average total loans$51,836,2504,191
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4158%659
Cost of funding earning assets0.3006%4,828
Net interest margin5.1152%230
Noninterest income to average assets0.6645%1,855
Noninterest expense to average assets4.5453%293
Loan and lease loss provision to assets0.1240%1,500
Net operating income to assets0.3588%4,789
Return on assets (ROA)0.3588%4,807
Pretax return on assets0.4430%4,770
Return on Equity (ROE)2.9288%4,804
Retained earnings to average equity (ytd only)0.4339%4,583
Net charge-offs to loans0.4828%330
Credit loss provision to net charge-offs44.8000%2,511
Earnings coverage of net charge-offs (x)2.0480%2,973
Efficiency ratio88.9081%396
Assets per employee ($millions)1.7967%5,224
Cash dividends to net income (ytd only)*85.1852%713
Condition Ratios (%)
Loss allowance to loans1.0163%3,520
Loan loss allowance to noncurrent loans141.3333%2,742
Noncurrent assets plus other real estate owned to assets2.0594%440
Noncurrent loans to loans0.7191%2,188
Net loans and leases to total assets57.4604%3,965
Net loans and leases to deposits66.7809%4,039
Net loans and leases to core deposits69.3161%4,136
Total domestic deposits to total assets86.0431%2,015
Equity capital to assets12.5487%1,829
Core capital (leverage) ratio12.2806%1,652
Tier 1 risk-based capital ratio22.2848%1,024
Total risk-based capital ratio23.3285%1,021
Memoranda:
Average total assets$90,290,6704,219
Average earning assets$78,511,6704,288
Average equity$11,062,6704,163
Average total loans$51,776,0004,228
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3090%743
Cost of funding earning assets0.2698%4,932
Net interest margin5.0392%269
Noninterest income to average assets0.6275%1,925
Noninterest expense to average assets4.4897%291
Loan and lease loss provision to assets0.0619%2,418
Net operating income to assets0.3712%4,788
Return on assets (ROA)0.3712%4,793
Pretax return on assets0.4507%4,773
Return on Equity (ROE)3.0664%4,772
Retained earnings to average equity (ytd only)-1.9713%4,742
Net charge-offs to loans0.1628%831
Credit loss provision to net charge-offs66.6667%1,875
Earnings coverage of net charge-offs (x)5.5238%2,260
Efficiency ratio89.7527%401
Assets per employee ($millions)1.8533%5,282
Cash dividends to net income (ytd only)*164.2857%283
Condition Ratios (%)
Loss allowance to loans1.1554%2,820
Loan loss allowance to noncurrent loans159.5687%2,557
Noncurrent assets plus other real estate owned to assets2.3277%358
Noncurrent loans to loans0.7241%2,211
Net loans and leases to total assets54.6548%4,157
Net loans and leases to deposits63.0055%4,243
Net loans and leases to core deposits65.0889%4,325
Total domestic deposits to total assets86.7461%1,934
Equity capital to assets11.8931%2,091
Core capital (leverage) ratio12.7513%1,379
Tier 1 risk-based capital ratio21.9763%1,053
Total risk-based capital ratio23.1339%1,038
Memoranda:
Average total assets$90,519,0004,256
Average earning assets$78,584,0004,332
Average equity$10,957,5004,196
Average total loans$51,589,5004,270
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4387%453
Cost of funding earning assets0.2486%4,814
Net interest margin5.1901%191
Noninterest income to average assets0.6089%2,248
Noninterest expense to average assets4.6049%276
Loan and lease loss provision to assets0.0908%2,331
Net operating income to assets0.3272%4,975
Return on assets (ROA)0.3807%4,888
Pretax return on assets0.4715%4,841
Return on Equity (ROE)3.2268%4,865
Retained earnings to average equity (ytd only)1.9618%4,364
Net charge-offs to loans0.2902%668
Credit loss provision to net charge-offs54.9020%3,145
Earnings coverage of net charge-offs (x)3.0000%3,463
Efficiency ratio90.2692%333
Assets per employee ($millions)1.8082%5,326
Cash dividends to net income (ytd only)*39.2045%2,562
Condition Ratios (%)
Loss allowance to loans1.1533%2,813
Loan loss allowance to noncurrent loans217.0290%2,110
Noncurrent assets plus other real estate owned to assets2.3893%333
Noncurrent loans to loans0.5314%2,679
Net loans and leases to total assets57.9456%3,968
Net loans and leases to deposits67.3245%4,020
Net loans and leases to core deposits68.7922%4,187
Total domestic deposits to total assets86.0692%2,194
Equity capital to assets12.4828%1,586
Core capital (leverage) ratio12.8259%1,314
Tier 1 risk-based capital ratio22.1893%1,004
Total risk-based capital ratio23.3561%995
Memoranda:
Average total assets$92,465,8004,231
Average earning assets$80,037,0004,315
Average equity$10,908,6004,171
Average total loans$52,718,0004,248
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3738%454
Cost of funding earning assets0.2437%4,822
Net interest margin5.1300%204
Noninterest income to average assets0.6193%2,214
Noninterest expense to average assets4.4923%295
Loan and lease loss provision to assets0.1099%1,837
Net operating income to assets0.3745%4,995
Return on assets (ROA)0.4438%4,874
Pretax return on assets0.5480%4,820
Return on Equity (ROE)3.8145%4,861
Retained earnings to average equity (ytd only)2.1218%4,532
Net charge-offs to loans0.3477%472
Credit loss provision to net charge-offs55.7971%2,786
Earnings coverage of net charge-offs (x)2.9057%3,207
Efficiency ratio88.7010%375
Assets per employee ($millions)1.7444%5,399
Cash dividends to net income (ytd only)*44.3737%1,845
Condition Ratios (%)
Loss allowance to loans1.1733%2,776
Loan loss allowance to noncurrent loans190.8805%2,306
Noncurrent assets plus other real estate owned to assets2.7318%297
Noncurrent loans to loans0.6147%2,547
Net loans and leases to total assets56.3636%4,182
Net loans and leases to deposits65.1486%4,262
Net loans and leases to core deposits66.5443%4,380
Total domestic deposits to total assets86.5154%1,965
Equity capital to assets12.0206%1,896
Core capital (leverage) ratio12.4550%1,527
Tier 1 risk-based capital ratio21.8288%1,069
Total risk-based capital ratio22.9962%1,065
Memoranda:
Average total assets$93,431,7504,251
Average earning assets$80,959,2504,348
Average equity$10,870,7504,218
Average total loans$52,912,5004,293
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3102%458
Cost of funding earning assets0.2418%4,789
Net interest margin5.0684%220
Noninterest income to average assets0.6042%2,301
Noninterest expense to average assets4.4287%316
Loan and lease loss provision to assets0.1293%1,531
Net operating income to assets0.3562%5,040
Return on assets (ROA)0.4579%4,846
Pretax return on assets0.5724%4,781
Return on Equity (ROE)3.9780%4,831
Retained earnings to average equity (ytd only)1.4365%4,655
Net charge-offs to loans0.5140%293
Credit loss provision to net charge-offs44.5255%2,528
Earnings coverage of net charge-offs (x)1.9781%3,007
Efficiency ratio88.5169%433
Assets per employee ($millions)1.7930%5,461
Cash dividends to net income (ytd only)*63.8889%1,182
Condition Ratios (%)
Loss allowance to loans1.1298%3,094
Loan loss allowance to noncurrent loans73.6318%3,934
Noncurrent assets plus other real estate owned to assets3.1297%224
Noncurrent loans to loans1.5344%1,086
Net loans and leases to total assets55.5649%4,196
Net loans and leases to deposits63.9261%4,283
Net loans and leases to core deposits65.2621%4,408
Total domestic deposits to total assets86.9204%1,872
Equity capital to assets11.6552%2,087
Core capital (leverage) ratio11.8904%1,782
Tier 1 risk-based capital ratio21.0290%1,171
Total risk-based capital ratio22.1350%1,166
Memoranda:
Average total assets$94,338,6704,274
Average earning assets$81,880,6704,368
Average equity$10,859,6704,254
Average total loans$53,305,0004,321
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2140%476
Cost of funding earning assets0.2374%4,781
Net interest margin4.9766%238
Noninterest income to average assets0.6197%2,172
Noninterest expense to average assets4.4431%310
Loan and lease loss provision to assets0.1475%1,238
Net operating income to assets0.2850%5,122
Return on assets (ROA)0.4848%4,736
Pretax return on assets0.6112%4,661
Return on Equity (ROE)4.2373%4,703
Retained earnings to average equity (ytd only)-0.8475%4,899
Net charge-offs to loans0.2827%544
Credit loss provision to net charge-offs92.1053%1,655
Earnings coverage of net charge-offs (x)3.1579%2,410
Efficiency ratio89.7785%454
Assets per employee ($millions)1.8243%5,521
Cash dividends to net income (ytd only)*120.0000%451
Condition Ratios (%)
Loss allowance to loans1.2357%2,604
Loan loss allowance to noncurrent loans35.4478%4,721
Noncurrent assets plus other real estate owned to assets3.4364%209
Noncurrent loans to loans3.4860%300
Net loans and leases to total assets56.0264%4,120
Net loans and leases to deposits64.3821%4,191
Net loans and leases to core deposits65.7016%4,329
Total domestic deposits to total assets87.0217%2,109
Equity capital to assets11.3697%2,243
Core capital (leverage) ratio11.8344%1,757
Tier 1 risk-based capital ratio20.4754%1,268
Total risk-based capital ratio21.6960%1,252
Memoranda:
Average total assets$94,889,5004,309
Average earning assets$82,547,0004,400
Average equity$10,856,0004,297
Average total loans$53,758,0004,357
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9952%654
Cost of funding earning assets0.2256%4,750
Net interest margin4.7696%373
Noninterest income to average assets0.6873%2,022
Noninterest expense to average assets4.2456%396
Loan and lease loss provision to assets0.0946%2,310
Net operating income to assets0.4025%4,684
Return on assets (ROA)0.4154%4,667
Pretax return on assets0.5768%4,793
Return on Equity (ROE)3.8233%4,554
Retained earnings to average equity (ytd only)2.7689%3,652
Net charge-offs to loans0.2089%1,247
Credit loss provision to net charge-offs84.8214%2,872
Earnings coverage of net charge-offs (x)5.8571%3,264
Efficiency ratio86.6612%605
Assets per employee ($millions)1.8209%5,586
Cash dividends to net income (ytd only)*27.5779%3,395
Condition Ratios (%)
Loss allowance to loans1.2439%2,509
Loan loss allowance to noncurrent loans55.5278%4,374
Noncurrent assets plus other real estate owned to assets2.5389%369
Noncurrent loans to loans2.2402%641
Net loans and leases to total assets56.0099%4,186
Net loans and leases to deposits64.2824%4,303
Net loans and leases to core deposits65.5959%4,435
Total domestic deposits to total assets87.1310%1,932
Equity capital to assets11.6682%2,061
Core capital (leverage) ratio11.4909%1,945
Tier 1 risk-based capital ratio20.4201%1,245
Total risk-based capital ratio21.6807%1,213
Memoranda:
Average total assets$100,386,6004,228
Average earning assets$88,645,0004,319
Average equity$10,906,8004,317
Average total loans$53,626,6004,376
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8451%848
Cost of funding earning assets0.2188%4,823
Net interest margin4.6263%467
Noninterest income to average assets0.6941%2,029
Noninterest expense to average assets4.1487%430
Loan and lease loss provision to assets0.0995%2,122
Net operating income to assets0.3790%5,044
Return on assets (ROA)0.3955%5,037
Pretax return on assets0.5684%4,894
Return on Equity (ROE)3.7038%4,942
Retained earnings to average equity (ytd only)2.2934%4,493
Net charge-offs to loans0.2015%1,058
Credit loss provision to net charge-offs93.8272%2,404
Earnings coverage of net charge-offs (x)6.0739%3,022
Efficiency ratio86.5574%597
Assets per employee ($millions)1.9170%5,637
Cash dividends to net income (ytd only)*38.0793%2,378
Condition Ratios (%)
Loss allowance to loans1.2772%2,476
Loan loss allowance to noncurrent loans38.8128%4,782
Noncurrent assets plus other real estate owned to assets3.0045%297
Noncurrent loans to loans3.2908%357
Net loans and leases to total assets52.7266%4,518
Net loans and leases to deposits60.0919%4,636
Net loans and leases to core deposits61.2480%4,754
Total domestic deposits to total assets87.7433%1,501
Equity capital to assets11.0830%2,779
Core capital (leverage) ratio11.3515%2,142
Tier 1 risk-based capital ratio19.8589%1,389
Total risk-based capital ratio21.1099%1,358
Memoranda:
Average total assets$101,812,0004,247
Average earning assets$90,206,0004,329
Average equity$10,871,5004,366
Average total loans$53,608,0004,413
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8603%759
Cost of funding earning assets0.2154%4,839
Net interest margin4.6448%437
Noninterest income to average assets0.7023%1,981
Noninterest expense to average assets4.1728%427
Loan and lease loss provision to assets0.1229%1,683
Net operating income to assets0.3618%5,065
Return on assets (ROA)0.3843%5,040
Pretax return on assets0.5618%4,878
Return on Equity (ROE)3.6439%4,939
Retained earnings to average equity (ytd only)1.5167%4,640
Net charge-offs to loans0.1787%1,110
Credit loss provision to net charge-offs131.2500%1,672
Earnings coverage of net charge-offs (x)6.9583%2,652
Efficiency ratio86.4941%655
Assets per employee ($millions)1.9209%5,683
Cash dividends to net income (ytd only)*58.3756%1,560
Condition Ratios (%)
Loss allowance to loans1.3119%2,350
Loan loss allowance to noncurrent loans41.0557%4,774
Noncurrent assets plus other real estate owned to assets2.8428%340
Noncurrent loans to loans3.1955%384
Net loans and leases to total assets53.7482%4,414
Net loans and leases to deposits61.3764%4,538
Net loans and leases to core deposits63.3296%4,647
Total domestic deposits to total assets87.5715%1,678
Equity capital to assets11.2006%2,590
Core capital (leverage) ratio11.2589%2,170
Tier 1 risk-based capital ratio19.8051%1,408
Total risk-based capital ratio21.0916%1,370
Memoranda:
Average total assets$102,521,3304,262
Average earning assets$90,982,6704,330
Average equity$10,812,6704,387
Average total loans$53,730,6704,431
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8105%729
Cost of funding earning assets0.2101%4,883
Net interest margin4.6004%446
Noninterest income to average assets0.5954%2,443
Noninterest expense to average assets4.1718%437
Loan and lease loss provision to assets0.0649%2,502
Net operating income to assets0.3019%5,188
Return on assets (ROA)0.3397%5,122
Pretax return on assets0.5115%4,943
Return on Equity (ROE)3.3170%5,018
Retained earnings to average equity (ytd only)-0.9690%5,058
Net charge-offs to loans0.3932%464
Credit loss provision to net charge-offs32.0755%2,103
Earnings coverage of net charge-offs (x)2.5660%2,577
Efficiency ratio88.9341%609
Assets per employee ($millions)1.9220%5,744
Cash dividends to net income (ytd only)*129.2135%486
Condition Ratios (%)
Loss allowance to loans1.2186%3,019
Loan loss allowance to noncurrent loans68.0294%4,249
Noncurrent assets plus other real estate owned to assets1.8711%735
Noncurrent loans to loans1.7913%1,046
Net loans and leases to total assets52.6380%4,457
Net loans and leases to deposits59.8662%4,574
Net loans and leases to core deposits61.7356%4,676
Total domestic deposits to total assets87.9261%1,758
Equity capital to assets10.7671%2,894
Core capital (leverage) ratio10.4760%2,934
Tier 1 risk-based capital ratio19.6473%1,465
Total risk-based capital ratio20.8553%1,445
Memoranda:
Average total assets$104,798,0004,270
Average earning assets$93,296,0004,326
Average equity$10,732,5004,432
Average total loans$53,918,0004,458
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7313%1,003
Cost of funding earning assets0.2356%4,694
Net interest margin4.4957%632
Noninterest income to average assets0.4768%3,366
Noninterest expense to average assets3.8942%695
Loan and lease loss provision to assets0.0682%3,005
Net operating income to assets0.3548%5,068
Return on assets (ROA)0.3567%5,152
Pretax return on assets0.5104%5,001
Return on Equity (ROE)3.6257%4,967
Retained earnings to average equity (ytd only)2.0256%4,386
Net charge-offs to loans0.3243%849
Credit loss provision to net charge-offs42.3729%3,474
Earnings coverage of net charge-offs (x)3.5763%3,638
Efficiency ratio87.1158%745
Assets per employee ($millions)2.0665%5,786
Cash dividends to net income (ytd only)*44.1327%2,646
Condition Ratios (%)
Loss allowance to loans1.2551%2,789
Loan loss allowance to noncurrent loans49.5658%4,687
Noncurrent assets plus other real estate owned to assets1.9521%715
Noncurrent loans to loans2.5321%620
Net loans and leases to total assets49.2070%4,819
Net loans and leases to deposits55.1481%4,958
Net loans and leases to core deposits56.8484%5,019
Total domestic deposits to total assets89.2271%995
Equity capital to assets9.7832%3,966
Core capital (leverage) ratio10.0450%3,431
Tier 1 risk-based capital ratio18.5806%1,704
Total risk-based capital ratio19.7869%1,684
Memoranda:
Average total assets$109,906,8004,164
Average earning assets$97,626,8004,243
Average equity$10,811,8004,452
Average total loans$54,585,2004,440
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7448%992
Cost of funding earning assets0.2406%4,693
Net interest margin4.5042%623
Noninterest income to average assets0.4594%3,493
Noninterest expense to average assets3.9004%674
Loan and lease loss provision to assets0.0606%3,035
Net operating income to assets0.3405%5,184
Return on assets (ROA)0.3430%5,261
Pretax return on assets0.4957%5,134
Return on Equity (ROE)3.4821%5,087
Retained earnings to average equity (ytd only)1.3535%4,970
Net charge-offs to loans0.3908%557
Credit loss provision to net charge-offs31.2500%3,215
Earnings coverage of net charge-offs (x)2.8500%3,509
Efficiency ratio87.5885%702
Assets per employee ($millions)2.0985%5,848
Cash dividends to net income (ytd only)*61.1311%1,387
Condition Ratios (%)
Loss allowance to loans1.2398%3,017
Loan loss allowance to noncurrent loans41.8936%4,928
Noncurrent assets plus other real estate owned to assets2.1399%700
Noncurrent loans to loans2.9594%512
Net loans and leases to total assets48.4872%4,924
Net loans and leases to deposits54.4392%5,086
Net loans and leases to core deposits56.0990%5,145
Total domestic deposits to total assets89.0668%868
Equity capital to assets9.8650%4,287
Core capital (leverage) ratio9.8852%3,714
Tier 1 risk-based capital ratio17.9756%1,932
Total risk-based capital ratio19.1047%1,924
Memoranda:
Average total assets$110,002,2504,193
Average earning assets$97,535,0004,281
Average equity$10,836,0004,492
Average total loans$54,586,7504,478
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7577%947
Cost of funding earning assets0.2447%4,712
Net interest margin4.5130%601
Noninterest income to average assets0.4580%3,468
Noninterest expense to average assets3.9363%646
Loan and lease loss provision to assets0.0365%3,430
Net operating income to assets0.3400%5,206
Return on assets (ROA)0.3413%5,289
Pretax return on assets0.4927%5,145
Return on Equity (ROE)3.4660%5,109
Retained earnings to average equity (ytd only)0.2595%5,226
Net charge-offs to loans0.3444%682
Credit loss provision to net charge-offs21.2766%2,921
Earnings coverage of net charge-offs (x)3.0745%3,170
Efficiency ratio88.1848%713
Assets per employee ($millions)1.9867%5,939
Cash dividends to net income (ytd only)*92.5134%637
Condition Ratios (%)
Loss allowance to loans1.3029%2,765
Loan loss allowance to noncurrent loans50.1406%4,802
Noncurrent assets plus other real estate owned to assets2.1839%708
Noncurrent loans to loans2.5985%647
Net loans and leases to total assets50.3444%4,820
Net loans and leases to deposits56.7289%4,970
Net loans and leases to core deposits59.0304%5,023
Total domestic deposits to total assets88.7457%1,045
Equity capital to assets10.1591%4,013
Core capital (leverage) ratio9.6212%4,036
Tier 1 risk-based capital ratio18.1567%1,887
Total risk-based capital ratio19.3832%1,864
Memoranda:
Average total assets$109,596,0004,235
Average earning assets$97,274,0004,320
Average equity$10,790,6704,527
Average total loans$54,580,6704,517
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5588%1,363
Cost of funding earning assets0.2440%4,762
Net interest margin4.3148%902
Noninterest income to average assets0.4804%3,259
Noninterest expense to average assets3.9114%678
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.2817%5,354
Return on assets (ROA)0.2817%5,432
Pretax return on assets0.4009%5,310
Return on Equity (ROE)2.9060%5,273
Retained earnings to average equity (ytd only)-3.5393%5,518
Net charge-offs to loans0.4770%465
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)1.7077%2,781
Efficiency ratio90.7035%624
Assets per employee ($millions)2.0600%5,984
Cash dividends to net income (ytd only)*221.7949%210
Condition Ratios (%)
Loss allowance to loans1.3329%2,745
Loan loss allowance to noncurrent loans39.9116%5,085
Noncurrent assets plus other real estate owned to assets2.5417%575
Noncurrent loans to loans3.3396%429
Net loans and leases to total assets48.9531%4,896
Net loans and leases to deposits54.9489%5,042
Net loans and leases to core deposits57.1261%5,085
Total domestic deposits to total assets89.0885%1,059
Equity capital to assets9.8381%4,288
Core capital (leverage) ratio9.6722%3,944
Tier 1 risk-based capital ratio17.7186%2,064
Total risk-based capital ratio18.9260%2,042
Memoranda:
Average total assets$110,752,5004,250
Average earning assets$98,359,5004,335
Average equity$10,736,5004,553
Average total loans$54,509,0004,539
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9239%725
Cost of funding earning assets0.2918%4,348
Net interest margin4.6320%510
Noninterest income to average assets0.5521%3,000
Noninterest expense to average assets3.9740%696
Loan and lease loss provision to assets0.0614%3,073
Net operating income to assets0.4468%4,894
Return on assets (ROA)0.4494%4,968
Pretax return on assets0.6402%4,704
Return on Equity (ROE)4.6651%4,676
Retained earnings to average equity (ytd only)3.5702%3,521
Net charge-offs to loans0.1533%1,842
Credit loss provision to net charge-offs77.0115%3,000
Earnings coverage of net charge-offs (x)8.7471%2,909
Efficiency ratio85.0609%1,084
Assets per employee ($millions)2.1202%6,024
Cash dividends to net income (ytd only)*23.4694%3,637
Condition Ratios (%)
Loss allowance to loans1.4340%2,278
Loan loss allowance to noncurrent loans48.7608%4,908
Noncurrent assets plus other real estate owned to assets2.5140%616
Noncurrent loans to loans2.9409%554
Net loans and leases to total assets48.1392%5,004
Net loans and leases to deposits53.7944%5,172
Net loans and leases to core deposits55.8517%5,211
Total domestic deposits to total assets89.4874%864
Equity capital to assets9.5675%4,479
Core capital (leverage) ratio9.3166%4,450
Tier 1 risk-based capital ratio17.5861%2,099
Total risk-based capital ratio18.8360%2,047
Memoranda:
Average total assets$109,035,0004,277
Average earning assets$96,976,6004,370
Average equity$10,503,6004,564
Average total loans$56,767,6004,474
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0036%618
Cost of funding earning assets0.3008%4,333
Net interest margin4.7029%451
Noninterest income to average assets0.5705%2,910
Noninterest expense to average assets3.9962%669
Loan and lease loss provision to assets0.0801%2,567
Net operating income to assets0.4648%4,915
Return on assets (ROA)0.4682%5,000
Pretax return on assets0.6802%4,750
Return on Equity (ROE)4.8522%4,693
Retained earnings to average equity (ytd only)3.3837%4,061
Net charge-offs to loans0.1654%1,495
Credit loss provision to net charge-offs91.5493%2,450
Earnings coverage of net charge-offs (x)8.6342%2,784
Efficiency ratio84.1027%1,158
Assets per employee ($millions)2.1839%6,088
Cash dividends to net income (ytd only)*30.2635%2,802
Condition Ratios (%)
Loss allowance to loans1.4403%2,408
Loan loss allowance to noncurrent loans54.1949%4,838
Noncurrent assets plus other real estate owned to assets2.4070%737
Noncurrent loans to loans2.6577%736
Net loans and leases to total assets47.3554%5,127
Net loans and leases to deposits52.7459%5,325
Net loans and leases to core deposits57.6265%5,211
Total domestic deposits to total assets89.7802%663
Equity capital to assets9.2504%5,057
Core capital (leverage) ratio9.9159%3,752
Tier 1 risk-based capital ratio17.2910%2,258
Total risk-based capital ratio18.5406%2,214
Memoranda:
Average total assets$108,201,2504,339
Average earning assets$96,194,5004,433
Average equity$10,441,7504,631
Average total loans$57,239,2504,497
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1183%484
Cost of funding earning assets0.3118%4,262
Net interest margin4.8065%356
Noninterest income to average assets0.5677%2,924
Noninterest expense to average assets4.1311%591
Loan and lease loss provision to assets0.0700%2,706
Net operating income to assets0.4319%5,032
Return on assets (ROA)0.4371%5,111
Pretax return on assets0.6340%4,882
Return on Equity (ROE)4.4623%4,831
Retained earnings to average equity (ytd only)2.2408%4,597
Net charge-offs to loans0.1627%1,496
Credit loss provision to net charge-offs78.7234%2,349
Earnings coverage of net charge-offs (x)7.8298%2,622
Efficiency ratio85.5743%1,097
Assets per employee ($millions)1.9851%6,215
Cash dividends to net income (ytd only)*49.7835%1,950
Condition Ratios (%)
Loss allowance to loans1.3980%2,768
Loan loss allowance to noncurrent loans58.0058%4,794
Noncurrent assets plus other real estate owned to assets2.2249%930
Noncurrent loans to loans2.4102%945
Net loans and leases to total assets52.4376%4,715
Net loans and leases to deposits58.7220%4,944
Net loans and leases to core deposits66.4213%4,617
Total domestic deposits to total assets89.2981%1,006
Equity capital to assets9.6963%4,403
Core capital (leverage) ratio9.7704%3,914
Tier 1 risk-based capital ratio17.5177%2,215
Total risk-based capital ratio18.7683%2,170
Memoranda:
Average total assets$105,686,3304,430
Average earning assets$93,664,0004,523
Average equity$10,353,3304,676
Average total loans$57,781,3304,515
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1532%442
Cost of funding earning assets0.3097%4,329
Net interest margin4.8435%322
Noninterest income to average assets0.5756%2,796
Noninterest expense to average assets4.1742%570
Loan and lease loss provision to assets0.1105%1,870
Net operating income to assets0.4123%5,027
Return on assets (ROA)0.4231%5,101
Pretax return on assets0.5985%4,917
Return on Equity (ROE)4.2969%4,847
Retained earnings to average equity (ytd only)-0.1548%5,405
Net charge-offs to loans0.1031%1,701
Credit loss provision to net charge-offs193.3333%1,076
Earnings coverage of net charge-offs (x)12.1333%1,816
Efficiency ratio85.7478%1,204
Assets per employee ($millions)1.7851%6,310
Cash dividends to net income (ytd only)*103.6036%643
Condition Ratios (%)
Loss allowance to loans1.4291%2,790
Loan loss allowance to noncurrent loans47.9556%5,077
Noncurrent assets plus other real estate owned to assets2.6775%759
Noncurrent loans to loans2.9801%732
Net loans and leases to total assets53.7646%4,475
Net loans and leases to deposits60.3702%4,716
Net loans and leases to core deposits67.8977%4,334
Total domestic deposits to total assets89.0583%1,226
Equity capital to assets9.9106%4,254
Core capital (leverage) ratio9.7832%3,912
Tier 1 risk-based capital ratio17.6917%2,238
Total risk-based capital ratio18.9421%2,203
Memoranda:
Average total assets$104,931,5004,479
Average earning assets$92,990,5004,574
Average equity$10,333,0004,715
Average total loans$58,168,0004,538
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2430%482
Cost of funding earning assets0.3236%4,549
Net interest margin4.9195%344
Noninterest income to average assets0.4638%3,754
Noninterest expense to average assets4.2715%562
Loan and lease loss provision to assets0.0818%2,844
Net operating income to assets0.3236%5,457
Return on assets (ROA)0.4265%5,201
Pretax return on assets0.6148%4,894
Return on Equity (ROE)4.7622%4,778
Retained earnings to average equity (ytd only)2.4268%4,506
Net charge-offs to loans0.4355%972
Credit loss provision to net charge-offs33.8346%3,780
Earnings coverage of net charge-offs (x)2.2632%4,209
Efficiency ratio88.6394%941
Assets per employee ($millions)1.6578%6,415
Cash dividends to net income (ytd only)*49.0405%2,336
Condition Ratios (%)
Loss allowance to loans1.3701%3,083
Loan loss allowance to noncurrent loans42.5858%5,305
Noncurrent assets plus other real estate owned to assets2.8524%746
Noncurrent loans to loans3.2172%677
Net loans and leases to total assets55.6258%4,377
Net loans and leases to deposits62.3036%4,701
Net loans and leases to core deposits70.4207%4,289
Total domestic deposits to total assets89.2818%1,080
Equity capital to assets9.8210%4,322
Core capital (leverage) ratio9.9463%3,648
Tier 1 risk-based capital ratio17.7386%2,223
Total risk-based capital ratio18.9894%2,189
Memoranda:
Average total assets$109,961,2004,384
Average earning assets$97,348,0004,466
Average equity$9,848,4004,783
Average total loans$61,073,6004,458
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2534%471
Cost of funding earning assets0.3245%4,623
Net interest margin4.9290%335
Noninterest income to average assets0.5341%3,300
Noninterest expense to average assets4.2199%600
Loan and lease loss provision to assets0.0695%2,959
Net operating income to assets0.4237%5,161
Return on assets (ROA)0.5592%4,710
Pretax return on assets0.8071%4,339
Return on Equity (ROE)6.3886%4,035
Retained earnings to average equity (ytd only)3.2422%4,319
Net charge-offs to loans0.2856%1,377
Credit loss provision to net charge-offs43.9394%3,220
Earnings coverage of net charge-offs (x)4.3029%3,490
Efficiency ratio86.1193%1,172
Assets per employee ($millions)1.6175%6,498
Cash dividends to net income (ytd only)*49.2508%1,868
Condition Ratios (%)
Loss allowance to loans1.5254%2,595
Loan loss allowance to noncurrent loans51.1811%5,105
Noncurrent assets plus other real estate owned to assets2.8438%851
Noncurrent loans to loans2.9804%898
Net loans and leases to total assets56.7483%4,234
Net loans and leases to deposits63.7384%4,572
Net loans and leases to core deposits73.0284%4,047
Total domestic deposits to total assets89.0332%1,220
Equity capital to assets9.8182%4,398
Core capital (leverage) ratio9.8866%3,832
Tier 1 risk-based capital ratio17.6354%2,344
Total risk-based capital ratio18.8893%2,302
Memoranda:
Average total assets$111,341,7504,391
Average earning assets$98,625,0004,480
Average equity$9,746,2504,839
Average total loans$61,616,5004,476
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1753%529
Cost of funding earning assets0.3204%4,752
Net interest margin4.8549%374
Noninterest income to average assets0.5055%3,444
Noninterest expense to average assets4.1089%668
Loan and lease loss provision to assets0.0491%3,320
Net operating income to assets0.4527%4,999
Return on assets (ROA)0.5424%4,733
Pretax return on assets0.7863%4,330
Return on Equity (ROE)6.4328%3,922
Retained earnings to average equity (ytd only)1.6446%5,077
Net charge-offs to loans0.2826%1,407
Credit loss provision to net charge-offs31.8182%3,033
Earnings coverage of net charge-offs (x)4.5682%3,084
Efficiency ratio85.3445%1,337
Assets per employee ($millions)1.6718%6,555
Cash dividends to net income (ytd only)*74.4337%1,047
Condition Ratios (%)
Loss allowance to loans1.5252%2,777
Loan loss allowance to noncurrent loans74.5763%4,356
Noncurrent assets plus other real estate owned to assets2.1285%1,453
Noncurrent loans to loans2.0451%1,645
Net loans and leases to total assets54.9002%4,421
Net loans and leases to deposits61.1383%4,771
Net loans and leases to core deposits72.0845%4,045
Total domestic deposits to total assets89.7966%908
Equity capital to assets9.2289%5,073
Core capital (leverage) ratio9.0419%4,956
Tier 1 risk-based capital ratio16.8663%2,677
Total risk-based capital ratio18.1203%2,646
Memoranda:
Average total assets$113,948,3304,364
Average earning assets$101,135,0004,438
Average equity$9,607,0004,889
Average total loans$62,269,6704,473
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1165%578
Cost of funding earning assets0.3178%4,889
Net interest margin4.7986%382
Noninterest income to average assets0.5695%2,923
Noninterest expense to average assets4.0039%755
Loan and lease loss provision to assets0.0549%3,020
Net operating income to assets0.5181%4,594
Return on assets (ROA)0.5181%4,669
Pretax return on assets0.7582%4,280
Return on Equity (ROE)6.4283%3,791
Retained earnings to average equity (ytd only)-3.3631%6,001
Net charge-offs to loans0.3359%1,066
Credit loss provision to net charge-offs30.1887%2,394
Earnings coverage of net charge-offs (x)4.4717%2,520
Efficiency ratio83.1197%1,779
Assets per employee ($millions)1.7692%6,619
Cash dividends to net income (ytd only)*152.3179%384
Condition Ratios (%)
Loss allowance to loans1.5369%2,990
Loan loss allowance to noncurrent loans103.3843%3,538
Noncurrent assets plus other real estate owned to assets1.8122%1,931
Noncurrent loans to loans1.4866%2,556
Net loans and leases to total assets52.7574%4,566
Net loans and leases to deposits58.1793%4,920
Net loans and leases to core deposits68.3814%4,271
Total domestic deposits to total assets90.6807%694
Equity capital to assets8.3897%5,752
Core capital (leverage) ratio8.7196%5,358
Tier 1 risk-based capital ratio16.1236%3,106
Total risk-based capital ratio17.3762%3,066
Memoranda:
Average total assets$116,587,5004,348
Average earning assets$103,196,5004,421
Average equity$9,396,0004,962
Average total loans$63,112,5004,491
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7060%1,558
Cost of funding earning assets0.3629%5,020
Net interest margin4.3430%1,014
Noninterest income to average assets0.5097%3,692
Noninterest expense to average assets3.5584%1,530
Loan and lease loss provision to assets0.1630%2,238
Net operating income to assets0.4783%4,822
Return on assets (ROA)0.4647%5,025
Pretax return on assets0.6875%4,588
Return on Equity (ROE)6.6221%3,763
Retained earnings to average equity (ytd only)3.4792%3,751
Net charge-offs to loans0.4286%1,559
Credit loss provision to net charge-offs78.3688%3,087
Earnings coverage of net charge-offs (x)4.1844%3,647
Efficiency ratio80.3464%2,097
Assets per employee ($millions)1.6645%6,701
Cash dividends to net income (ytd only)*47.4603%2,405
Condition Ratios (%)
Loss allowance to loans1.5215%3,091
Loan loss allowance to noncurrent loans110.0784%3,367
Noncurrent assets plus other real estate owned to assets1.3370%2,748
Noncurrent loans to loans1.3822%2,827
Net loans and leases to total assets53.8387%4,599
Net loans and leases to deposits58.9290%5,041
Net loans and leases to core deposits68.5866%4,440
Total domestic deposits to total assets91.3621%451
Equity capital to assets7.7375%6,167
Core capital (leverage) ratio7.8120%6,237
Tier 1 risk-based capital ratio15.5268%3,360
Total risk-based capital ratio16.7800%3,311
Memoranda:
Average total assets$135,566,2003,967
Average earning assets$122,334,2004,006
Average equity$9,513,6004,971
Average total loans$65,800,0004,416
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5546%2,021
Cost of funding earning assets0.3692%5,104
Net interest margin4.1854%1,381
Noninterest income to average assets0.5117%3,723
Noninterest expense to average assets3.4354%1,749
Loan and lease loss provision to assets0.1496%2,396
Net operating income to assets0.4898%4,839
Return on assets (ROA)0.4898%4,997
Pretax return on assets0.7185%4,621
Return on Equity (ROE)7.1343%3,570
Retained earnings to average equity (ytd only)2.9842%4,540
Net charge-offs to loans0.4236%1,509
Credit loss provision to net charge-offs74.7619%2,970
Earnings coverage of net charge-offs (x)4.3382%3,464
Efficiency ratio79.8273%2,126
Assets per employee ($millions)2.0289%6,696
Cash dividends to net income (ytd only)*58.1714%1,535
Condition Ratios (%)
Loss allowance to loans1.5023%3,442
Loan loss allowance to noncurrent loans86.5620%3,861
Noncurrent assets plus other real estate owned to assets1.0572%3,538
Noncurrent loans to loans1.7355%2,590
Net loans and leases to total assets46.4612%5,500
Net loans and leases to deposits50.1384%5,827
Net loans and leases to core deposits61.6039%5,160
Total domestic deposits to total assets92.6660%152
Equity capital to assets6.6182%6,626
Core capital (leverage) ratio7.0925%6,570
Tier 1 risk-based capital ratio14.2865%4,227
Total risk-based capital ratio15.5381%4,168
Memoranda:
Average total assets$139,913,5003,915
Average earning assets$126,754,2503,944
Average equity$9,606,0005,002
Average total loans$66,098,0004,446
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5062%2,177
Cost of funding earning assets0.3825%5,111
Net interest margin4.1237%1,482
Noninterest income to average assets0.5004%3,827
Noninterest expense to average assets3.4528%1,711
Loan and lease loss provision to assets0.0801%3,457
Net operating income to assets0.4818%4,874
Return on assets (ROA)0.4818%5,054
Pretax return on assets0.6977%4,687
Return on Equity (ROE)6.9344%3,636
Retained earnings to average equity (ytd only)0.7819%5,589
Net charge-offs to loans0.3116%1,936
Credit loss provision to net charge-offs54.3689%3,138
Earnings coverage of net charge-offs (x)5.2816%2,924
Efficiency ratio81.6154%1,941
Assets per employee ($millions)2.0918%6,720
Cash dividends to net income (ytd only)*88.7240%709
Condition Ratios (%)
Loss allowance to loans1.5163%3,513
Loan loss allowance to noncurrent loans105.0580%3,339
Noncurrent assets plus other real estate owned to assets0.8508%4,113
Noncurrent loans to loans1.4433%3,139
Net loans and leases to total assets44.8639%5,653
Net loans and leases to deposits48.3152%5,966
Net loans and leases to core deposits60.9096%5,181
Total domestic deposits to total assets92.8567%137
Equity capital to assets6.4414%6,699
Core capital (leverage) ratio7.0672%6,595
Tier 1 risk-based capital ratio13.9481%4,453
Total risk-based capital ratio15.2002%4,416
Memoranda:
Average total assets$139,887,3303,949
Average earning assets$126,536,3303,976
Average equity$9,719,6705,006
Average total loans$66,119,3304,462
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6587%1,655
Cost of funding earning assets0.3974%5,128
Net interest margin4.2613%1,046
Noninterest income to average assets0.4823%3,905
Noninterest expense to average assets3.5332%1,553
Loan and lease loss provision to assets0.0523%3,749
Net operating income to assets0.5143%4,592
Return on assets (ROA)0.5143%4,735
Pretax return on assets0.7293%4,446
Return on Equity (ROE)7.1292%3,422
Retained earnings to average equity (ytd only)-4.9139%6,359
Net charge-offs to loans0.2594%1,919
Credit loss provision to net charge-offs41.8605%2,722
Earnings coverage of net charge-offs (x)6.2558%2,249
Efficiency ratio81.8855%2,049
Assets per employee ($millions)1.9839%6,842
Cash dividends to net income (ytd only)*168.9266%302
Condition Ratios (%)
Loss allowance to loans1.5393%3,660
Loan loss allowance to noncurrent loans126.5839%2,748
Noncurrent assets plus other real estate owned to assets0.7481%4,502
Noncurrent loans to loans1.2160%3,740
Net loans and leases to total assets47.6163%5,267
Net loans and leases to deposits51.7540%5,645
Net loans and leases to core deposits66.4871%4,472
Total domestic deposits to total assets92.0050%245
Equity capital to assets7.1943%6,676
Core capital (leverage) ratio6.9376%6,660
Tier 1 risk-based capital ratio14.0758%4,455
Total risk-based capital ratio15.3283%4,407
Memoranda:
Average total assets$137,665,0004,025
Average earning assets$123,812,0004,072
Average equity$9,931,0004,999
Average total loans$66,304,0004,484
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3860%3,874
Cost of funding earning assets0.5393%4,911
Net interest margin3.8466%3,035
Noninterest income to average assets0.4533%4,228
Noninterest expense to average assets3.2387%2,493
Loan and lease loss provision to assets0.0780%4,733
Net operating income to assets0.4435%4,909
Return on assets (ROA)0.4459%5,149
Pretax return on assets0.6268%4,906
Return on Equity (ROE)6.8171%3,753
Retained earnings to average equity (ytd only)3.7427%3,580
Net charge-offs to loans0.1853%3,901
Credit loss provision to net charge-offs95.0820%3,269
Earnings coverage of net charge-offs (x)8.5492%2,392
Efficiency ratio82.1983%1,837
Assets per employee ($millions)1.9499%6,915
Cash dividends to net income (ytd only)*45.0980%2,582
Condition Ratios (%)
Loss allowance to loans1.5721%3,432
Loan loss allowance to noncurrent loans166.5072%2,169
Noncurrent assets plus other real estate owned to assets0.5981%4,980
Noncurrent loans to loans0.9441%4,304
Net loans and leases to total assets47.2140%5,486
Net loans and leases to deposits51.2610%5,868
Net loans and leases to core deposits65.8516%4,752
Total domestic deposits to total assets92.1051%229
Equity capital to assets7.2332%6,713
Core capital (leverage) ratio6.4124%6,811
Tier 1 risk-based capital ratio14.3419%4,133
Total risk-based capital ratio15.5950%4,091
Memoranda:
Average total assets$148,699,4003,801
Average earning assets$134,793,8003,812
Average equity$9,725,6005,044
Average total loans$65,822,0004,510
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3012%4,451
Cost of funding earning assets0.5680%4,934
Net interest margin3.7332%3,644
Noninterest income to average assets0.4425%4,347
Noninterest expense to average assets3.1221%2,820
Loan and lease loss provision to assets0.0732%4,752
Net operating income to assets0.4228%5,148
Return on assets (ROA)0.4257%5,378
Pretax return on assets0.6408%5,049
Return on Equity (ROE)6.6709%3,978
Retained earnings to average equity (ytd only)2.5414%5,044
Net charge-offs to loans0.1847%3,638
Credit loss provision to net charge-offs91.2088%3,260
Earnings coverage of net charge-offs (x)8.8462%2,389
Efficiency ratio81.4815%1,870
Assets per employee ($millions)2.1071%6,961
Cash dividends to net income (ytd only)*61.9056%1,202
Condition Ratios (%)
Loss allowance to loans1.5908%3,553
Loan loss allowance to noncurrent loans320.6154%1,170
Noncurrent assets plus other real estate owned to assets0.4006%5,691
Noncurrent loans to loans0.4962%5,452
Net loans and leases to total assets44.9889%5,873
Net loans and leases to deposits48.6763%6,218
Net loans and leases to core deposits60.0475%5,552
Total domestic deposits to total assets92.4247%158
Equity capital to assets6.8906%6,897
Core capital (leverage) ratio6.5821%6,869
Tier 1 risk-based capital ratio13.9268%4,584
Total risk-based capital ratio15.1794%4,540
Memoranda:
Average total assets$151,263,2503,795
Average earning assets$137,322,0003,806
Average equity$9,653,5005,110
Average total loans$65,675,2504,566
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2295%4,850
Cost of funding earning assets0.5848%5,026
Net interest margin3.6447%4,061
Noninterest income to average assets0.4275%4,453
Noninterest expense to average assets3.0171%3,197
Loan and lease loss provision to assets0.0832%4,556
Net operating income to assets0.4168%5,160
Return on assets (ROA)0.4210%5,375
Pretax return on assets0.6458%4,981
Return on Equity (ROE)6.7639%3,909
Retained earnings to average equity (ytd only)0.5219%5,861
Net charge-offs to loans0.2434%3,113
Credit loss provision to net charge-offs80.0000%3,318
Earnings coverage of net charge-offs (x)6.9500%2,556
Efficiency ratio80.6810%2,075
Assets per employee ($millions)2.0975%7,018
Cash dividends to net income (ytd only)*92.2840%555
Condition Ratios (%)
Loss allowance to loans1.5654%3,719
Loan loss allowance to noncurrent loans445.6897%820
Noncurrent assets plus other real estate owned to assets0.3230%5,953
Noncurrent loans to loans0.3512%5,845
Net loans and leases to total assets43.6594%6,048
Net loans and leases to deposits47.0511%6,372
Net loans and leases to core deposits60.3712%5,558
Total domestic deposits to total assets92.7915%140
Equity capital to assets6.4920%6,980
Core capital (leverage) ratio6.3300%6,953
Tier 1 risk-based capital ratio13.4808%4,840
Total risk-based capital ratio14.7332%4,797
Memoranda:
Average total assets$153,923,6703,772
Average earning assets$139,873,6703,788
Average equity$9,580,3305,137
Average total loans$65,732,6704,575
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1233%5,374
Cost of funding earning assets0.6123%5,036
Net interest margin3.5110%4,638
Noninterest income to average assets0.3861%4,779
Noninterest expense to average assets2.9535%3,433
Loan and lease loss provision to assets0.0665%4,582
Net operating income to assets0.3750%5,368
Return on assets (ROA)0.3836%5,509
Pretax return on assets0.5754%5,203
Return on Equity (ROE)6.2916%4,145
Retained earnings to average equity (ytd only)-6.2497%6,676
Net charge-offs to loans0.2806%2,543
Credit loss provision to net charge-offs56.5217%3,175
Earnings coverage of net charge-offs (x)5.3478%2,393
Efficiency ratio82.4411%1,880
Assets per employee ($millions)2.1473%7,072
Cash dividends to net income (ytd only)*199.3333%168
Condition Ratios (%)
Loss allowance to loans1.5941%3,753
Loan loss allowance to noncurrent loans286.9081%1,169
Noncurrent assets plus other real estate owned to assets0.5333%5,539
Noncurrent loans to loans0.5556%5,552
Net loans and leases to total assets41.7041%6,220
Net loans and leases to deposits44.7461%6,515
Net loans and leases to core deposits59.9039%5,537
Total domestic deposits to total assets93.2015%130
Equity capital to assets6.1938%7,054
Core capital (leverage) ratio6.0675%7,031
Tier 1 risk-based capital ratio13.2972%4,987
Total risk-based capital ratio14.5499%4,969
Memoranda:
Average total assets$156,425,0003,755
Average earning assets$142,411,5003,778
Average equity$9,536,5005,164
Average total loans$65,573,0004,600
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8106%3,762
Cost of funding earning assets0.7411%5,272
Net interest margin4.0695%2,570
Noninterest income to average assets0.5373%3,604
Noninterest expense to average assets3.1702%2,965
Loan and lease loss provision to assets0.1642%4,579
Net operating income to assets0.5988%4,003
Return on assets (ROA)0.6028%4,175
Pretax return on assets0.8743%3,695
Return on Equity (ROE)9.2059%2,364
Retained earnings to average equity (ytd only)5.9173%2,064
Net charge-offs to loans0.2523%4,198
Credit loss provision to net charge-offs134.1176%2,251
Earnings coverage of net charge-offs (x)8.4353%2,148
Efficiency ratio75.4284%2,989
Assets per employee ($millions)2.5061%6,824
Cash dividends to net income (ytd only)*35.7228%2,825
Condition Ratios (%)
Loss allowance to loans1.5796%3,662
Loan loss allowance to noncurrent loans153.4307%2,082
Noncurrent assets plus other real estate owned to assets0.7039%5,230
Noncurrent loans to loans1.0295%4,648
Net loans and leases to total assets40.8274%6,482
Net loans and leases to deposits43.6760%6,734
Net loans and leases to core deposits57.0991%6,071
Total domestic deposits to total assets93.4778%114
Equity capital to assets6.0041%7,094
Core capital (leverage) ratio6.5023%6,981
Tier 1 risk-based capital ratio13.1720%4,936
Total risk-based capital ratio14.4241%4,915
Memoranda:
Average total assets$138,854,6003,994
Average earning assets$125,077,2004,033
Average equity$9,092,0005,256
Average total loans$67,374,4004,584
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0192%2,998
Cost of funding earning assets0.7726%5,317
Net interest margin4.2466%1,924
Noninterest income to average assets0.5564%3,466
Noninterest expense to average assets3.2985%2,498
Loan and lease loss provision to assets0.1379%4,712
Net operating income to assets0.6095%4,044
Return on assets (ROA)0.6134%4,211
Pretax return on assets0.9420%3,610
Return on Equity (ROE)9.1393%2,536
Retained earnings to average equity (ytd only)4.6887%3,388
Net charge-offs to loans0.2288%4,007
Credit loss provision to net charge-offs118.9655%2,741
Earnings coverage of net charge-offs (x)9.2674%2,074
Efficiency ratio75.4398%2,931
Assets per employee ($millions)2.1314%7,187
Cash dividends to net income (ytd only)*48.6972%1,647
Condition Ratios (%)
Loss allowance to loans1.5138%4,031
Loan loss allowance to noncurrent loans400.7905%805
Noncurrent assets plus other real estate owned to assets0.3833%6,120
Noncurrent loans to loans0.3777%6,096
Net loans and leases to total assets47.6159%6,001
Net loans and leases to deposits51.4892%6,404
Net loans and leases to core deposits66.7561%5,335
Total domestic deposits to total assets92.4775%165
Equity capital to assets6.7841%7,093
Core capital (leverage) ratio6.9281%6,981
Tier 1 risk-based capital ratio13.6721%4,601
Total risk-based capital ratio14.9248%4,568
Memoranda:
Average total assets$133,470,7504,124
Average earning assets$119,936,7504,153
Average equity$8,957,5005,319
Average total loans$67,584,5004,609
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0735%2,807
Cost of funding earning assets0.7943%5,410
Net interest margin4.2792%1,737
Noninterest income to average assets0.5540%3,446
Noninterest expense to average assets3.3101%2,519
Loan and lease loss provision to assets0.1487%4,451
Net operating income to assets0.6112%4,005
Return on assets (ROA)0.6162%4,110
Pretax return on assets0.9455%3,449
Return on Equity (ROE)9.2165%2,429
Retained earnings to average equity (ytd only)2.4290%4,744
Net charge-offs to loans0.2803%3,482
Credit loss provision to net charge-offs103.1579%2,998
Earnings coverage of net charge-offs (x)7.5368%2,204
Efficiency ratio75.2848%3,142
Assets per employee ($millions)2.0079%7,296
Cash dividends to net income (ytd only)*73.6453%950
Condition Ratios (%)
Loss allowance to loans1.4806%4,218
Loan loss allowance to noncurrent loans309.0062%1,019
Noncurrent assets plus other real estate owned to assets0.4460%6,033
Noncurrent loans to loans0.4791%5,949
Net loans and leases to total assets49.2147%5,921
Net loans and leases to deposits53.2219%6,368
Net loans and leases to core deposits63.8420%5,735
Total domestic deposits to total assets92.4708%163
Equity capital to assets6.7770%7,144
Core capital (leverage) ratio6.8701%7,041
Tier 1 risk-based capital ratio13.6377%4,427
Total risk-based capital ratio14.8903%4,404
Memoranda:
Average total assets$131,779,6704,188
Average earning assets$118,340,6704,223
Average equity$8,810,3305,376
Average total loans$67,785,0004,649
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0029%3,100
Cost of funding earning assets0.8151%5,500
Net interest margin4.1878%1,933
Noninterest income to average assets0.5337%3,620
Noninterest expense to average assets3.3404%2,442
Loan and lease loss provision to assets0.1227%4,468
Net operating income to assets0.5567%4,253
Return on assets (ROA)0.5767%4,227
Pretax return on assets0.8834%3,566
Return on Equity (ROE)8.6866%2,617
Retained earnings to average equity (ytd only)-5.1288%6,528
Net charge-offs to loans0.2292%3,165
Credit loss provision to net charge-offs102.5641%2,587
Earnings coverage of net charge-offs (x)8.1538%1,852
Efficiency ratio77.3987%2,929
Assets per employee ($millions)1.9466%7,377
Cash dividends to net income (ytd only)*159.0426%298
Condition Ratios (%)
Loss allowance to loans1.4684%4,351
Loan loss allowance to noncurrent loans206.8750%1,443
Noncurrent assets plus other real estate owned to assets0.5436%5,878
Noncurrent loans to loans0.7098%5,595
Net loans and leases to total assets51.0892%5,704
Net loans and leases to deposits55.1285%6,204
Net loans and leases to core deposits66.7769%5,433
Total domestic deposits to total assets92.6728%164
Equity capital to assets6.6041%7,184
Core capital (leverage) ratio6.8100%7,076
Tier 1 risk-based capital ratio13.2689%4,605
Total risk-based capital ratio14.5222%4,576
Memoranda:
Average total assets$130,405,0004,248
Average earning assets$117,772,0004,260
Average equity$8,657,0005,419
Average total loans$68,076,0004,684
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8104%1,253
Cost of funding earning assets0.9361%6,001
Net interest margin4.8743%569
Noninterest income to average assets0.6409%3,205
Noninterest expense to average assets3.6986%1,699
Loan and lease loss provision to assets0.2840%4,533
Net operating income to assets0.6732%3,330
Return on assets (ROA)0.7666%3,054
Pretax return on assets1.1060%2,555
Return on Equity (ROE)10.1064%1,884
Retained earnings to average equity (ytd only)6.6410%1,486
Net charge-offs to loans0.1221%5,669
Credit loss provision to net charge-offs398.7654%617
Earnings coverage of net charge-offs (x)17.6173%1,139
Efficiency ratio74.6716%3,262
Assets per employee ($millions)1.9461%7,438
Cash dividends to net income (ytd only)*34.2890%2,852
Condition Ratios (%)
Loss allowance to loans1.4476%4,295
Loan loss allowance to noncurrent loans316.9329%974
Noncurrent assets plus other real estate owned to assets0.4556%6,140
Noncurrent loans to loans0.4567%6,133
Net loans and leases to total assets51.7958%5,942
Net loans and leases to deposits55.8475%6,457
Net loans and leases to core deposits70.2859%5,420
Total domestic deposits to total assets92.7449%162
Equity capital to assets6.6730%7,218
Core capital (leverage) ratio7.6388%6,587
Tier 1 risk-based capital ratio13.2897%4,382
Total risk-based capital ratio14.5428%4,334
Memoranda:
Average total assets$113,745,6004,622
Average earning assets$100,629,2004,708
Average equity$8,628,2005,521
Average total loans$66,350,2004,812
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9594%1,014
Cost of funding earning assets0.9736%6,068
Net interest margin4.9858%454
Noninterest income to average assets0.6801%2,946
Noninterest expense to average assets3.7912%1,384
Loan and lease loss provision to assets0.1679%5,365
Net operating income to assets0.6951%3,439
Return on assets (ROA)0.7045%3,549
Pretax return on assets1.1157%2,776
Return on Equity (ROE)8.9661%2,502
Retained earnings to average equity (ytd only)4.3359%3,445
Net charge-offs to loans0.0466%6,060
Credit loss provision to net charge-offs600.0000%484
Earnings coverage of net charge-offs (x)45.3417%610
Efficiency ratio74.9219%3,162
Assets per employee ($millions)1.7229%7,615
Cash dividends to net income (ytd only)*51.6412%1,568
Condition Ratios (%)
Loss allowance to loans1.2688%5,120
Loan loss allowance to noncurrent loans107.8554%2,599
Noncurrent assets plus other real estate owned to assets0.8732%5,351
Noncurrent loans to loans1.1764%4,894
Net loans and leases to total assets58.3128%5,208
Net loans and leases to deposits63.6902%5,950
Net loans and leases to core deposits77.5937%4,853
Total domestic deposits to total assets91.5569%293
Equity capital to assets7.6955%7,000
Core capital (leverage) ratio7.9716%6,388
Tier 1 risk-based capital ratio13.5182%4,193
Total risk-based capital ratio14.7688%4,143
Memoranda:
Average total assets$109,584,2504,780
Average earning assets$96,270,5004,883
Average equity$8,610,0005,601
Average total loans$65,805,5004,916
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9856%979
Cost of funding earning assets1.0149%6,072
Net interest margin4.9706%449
Noninterest income to average assets0.6299%3,130
Noninterest expense to average assets3.8054%1,351
Loan and lease loss provision to assets0.1264%5,621
Net operating income to assets0.6596%3,586
Return on assets (ROA)0.6596%3,740
Pretax return on assets1.0480%2,944
Return on Equity (ROE)8.3343%2,746
Retained earnings to average equity (ytd only)1.3147%5,225
Net charge-offs to loans0.0523%5,655
Credit loss provision to net charge-offs400.0000%901
Earnings coverage of net charge-offs (x)37.1765%775
Efficiency ratio76.4179%2,997
Assets per employee ($millions)1.6366%7,698
Cash dividends to net income (ytd only)*84.2254%679
Condition Ratios (%)
Loss allowance to loans1.2147%5,377
Loan loss allowance to noncurrent loans156.4453%1,784
Noncurrent assets plus other real estate owned to assets0.6249%5,935
Noncurrent loans to loans0.7764%5,718
Net loans and leases to total assets60.3062%4,999
Net loans and leases to deposits66.1491%5,786
Net loans and leases to core deposits73.3834%5,512
Total domestic deposits to total assets91.1671%423
Equity capital to assets8.0173%6,742
Core capital (leverage) ratio7.7894%6,515
Tier 1 risk-based capital ratio13.8683%3,824
Total risk-based capital ratio15.1196%3,783
Memoranda:
Average total assets$107,635,3304,871
Average earning assets$94,193,3304,985
Average equity$8,519,0005,628
Average total loans$65,015,3304,978
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8180%1,410
Cost of funding earning assets1.0376%6,182
Net interest margin4.7804%673
Noninterest income to average assets0.2829%5,878
Noninterest expense to average assets3.7452%1,422
Loan and lease loss provision to assets0.0670%5,963
Net operating income to assets0.4840%4,478
Return on assets (ROA)0.4840%4,609
Pretax return on assets0.7073%4,206
Return on Equity (ROE)6.1549%3,797
Retained earnings to average equity (ytd only)-8.0014%6,830
Net charge-offs to loans0.1239%4,228
Credit loss provision to net charge-offs90.0000%3,659
Earnings coverage of net charge-offs (x)10.4000%1,746
Efficiency ratio82.8666%2,154
Assets per employee ($millions)1.7125%7,780
Cash dividends to net income (ytd only)*230.0000%149
Condition Ratios (%)
Loss allowance to loans1.1566%5,735
Loan loss allowance to noncurrent loans284.4106%1,037
Noncurrent assets plus other real estate owned to assets0.4070%6,455
Noncurrent loans to loans0.4067%6,478
Net loans and leases to total assets57.4285%5,535
Net loans and leases to deposits62.5903%6,217
Net loans and leases to core deposits67.5658%6,141
Total domestic deposits to total assets91.7531%304
Equity capital to assets7.5363%7,044
Core capital (leverage) ratio7.7104%6,614
Tier 1 risk-based capital ratio13.5446%3,957
Total risk-based capital ratio14.7788%3,925
Memoranda:
Average total assets$107,444,5004,945
Average earning assets$95,222,0005,011
Average equity$8,448,5005,701
Average total loans$64,552,0005,061
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5416%611
Cost of funding earning assets1.1331%6,871
Net interest margin5.4085%205
Noninterest income to average assets0.3924%5,273
Noninterest expense to average assets4.1131%1,208
Loan and lease loss provision to assets0.2114%5,654
Net operating income to assets0.5859%3,380
Return on assets (ROA)0.5828%3,465
Pretax return on assets0.7784%3,310
Return on Equity (ROE)6.7302%2,899
Retained earnings to average equity (ytd only)3.0978%2,992
Net charge-offs to loans0.1983%5,410
Credit loss provision to net charge-offs170.3390%2,505
Earnings coverage of net charge-offs (x)8.0085%2,022
Efficiency ratio80.5355%2,806
Assets per employee ($millions)1.6184%7,876
Cash dividends to net income (ytd only)*53.9711%2,276
Condition Ratios (%)
Loss allowance to loans1.1641%5,563
Loan loss allowance to noncurrent loans208.9136%1,429
Noncurrent assets plus other real estate owned to assets0.6546%5,826
Noncurrent loans to loans0.5572%6,130
Net loans and leases to total assets61.4820%5,111
Net loans and leases to deposits67.4826%5,891
Net loans and leases to core deposits82.0555%5,902
Total domestic deposits to total assets91.1079%496
Equity capital to assets8.2143%6,329
Core capital (leverage) ratio8.5130%5,262
Tier 1 risk-based capital ratio14.1638%3,398
Total risk-based capital ratio15.4148%3,356
Memoranda:
Average total assets$95,061,2005,241
Average earning assets$82,870,0005,368
Average equity$8,231,6005,856
Average total loans$59,494,0005,272
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6032%611
Cost of funding earning assets1.1553%7,025
Net interest margin5.4479%193
Noninterest income to average assets0.4032%5,254
Noninterest expense to average assets4.1047%1,139
Loan and lease loss provision to assets0.1449%5,909
Net operating income to assets0.5945%3,620
Return on assets (ROA)0.5925%3,690
Pretax return on assets0.8866%3,268
Return on Equity (ROE)6.7461%3,185
Retained earnings to average equity (ytd only)1.8622%4,276
Net charge-offs to loans0.2243%4,645
Credit loss provision to net charge-offs103.0612%4,941
Earnings coverage of net charge-offs (x)7.3573%2,421
Efficiency ratio79.8716%2,865
Assets per employee ($millions)1.5409%7,978
Cash dividends to net income (ytd only)*72.3981%1,192
Condition Ratios (%)
Loss allowance to loans1.0816%5,830
Loan loss allowance to noncurrent loans250.0000%1,187
Noncurrent assets plus other real estate owned to assets0.6512%5,833
Noncurrent loans to loans0.4327%6,471
Net loans and leases to total assets66.2762%4,363
Net loans and leases to deposits73.5076%5,444
Net loans and leases to core deposits86.0660%5,862
Total domestic deposits to total assets90.1624%706
Equity capital to assets9.0924%5,354
Core capital (leverage) ratio8.7824%5,002
Tier 1 risk-based capital ratio14.9840%3,048
Total risk-based capital ratio16.2028%2,999
Memoranda:
Average total assets$92,932,7505,338
Average earning assets$80,787,0005,467
Average equity$8,162,5005,925
Average total loans$58,260,0005,368
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4775%863
Cost of funding earning assets1.1613%7,215
Net interest margin5.3162%238
Noninterest income to average assets0.3824%5,441
Noninterest expense to average assets4.0518%1,244
Loan and lease loss provision to assets0.0795%6,394
Net operating income to assets0.5787%3,773
Return on assets (ROA)0.5715%3,913
Pretax return on assets0.8529%3,497
Return on Equity (ROE)6.5831%3,396
Retained earnings to average equity (ytd only)-0.8167%5,434
Net charge-offs to loans0.1508%4,682
Credit loss provision to net charge-offs86.0465%5,030
Earnings coverage of net charge-offs (x)10.2093%2,020
Efficiency ratio81.1183%2,866
Assets per employee ($millions)1.4271%8,087
Cash dividends to net income (ytd only)*112.4060%579
Condition Ratios (%)
Loss allowance to loans1.1237%5,435
Loan loss allowance to noncurrent loans152.3041%1,937
Noncurrent assets plus other real estate owned to assets0.8987%5,187
Noncurrent loans to loans0.7378%5,768
Net loans and leases to total assets64.6914%4,839
Net loans and leases to deposits71.7994%5,763
Net loans and leases to core deposits83.3152%6,136
Total domestic deposits to total assets90.1001%786
Equity capital to assets9.0713%5,215
Core capital (leverage) ratio8.8864%4,805
Tier 1 risk-based capital ratio15.3779%2,865
Total risk-based capital ratio16.6286%2,791
Memoranda:
Average total assets$93,093,3305,368
Average earning assets$80,772,3305,505
Average equity$8,081,3305,992
Average total loans$57,032,3305,465
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3257%1,229
Cost of funding earning assets1.1647%7,380
Net interest margin5.1609%299
Noninterest income to average assets0.3295%5,809
Noninterest expense to average assets3.8781%1,341
Loan and lease loss provision to assets0.0760%6,005
Net operating income to assets0.5745%4,124
Return on assets (ROA)0.5745%4,320
Pretax return on assets0.8491%3,896
Return on Equity (ROE)6.7628%3,690
Retained earnings to average equity (ytd only)-8.1054%6,925
Net charge-offs to loans0.0356%5,012
Credit loss provision to net charge-offs360.0000%1,410
Earnings coverage of net charge-offs (x)43.8000%795
Efficiency ratio80.7388%2,700
Assets per employee ($millions)1.4831%8,116
Cash dividends to net income (ytd only)*219.8529%255
Condition Ratios (%)
Loss allowance to loans1.2166%4,687
Loan loss allowance to noncurrent loans286.9198%1,171
Noncurrent assets plus other real estate owned to assets0.3981%6,305
Noncurrent loans to loans0.4240%6,361
Net loans and leases to total assets59.0946%5,797
Net loans and leases to deposits65.0813%6,452
Net loans and leases to core deposits77.8444%6,548
Total domestic deposits to total assets90.8011%478
Equity capital to assets8.5428%6,004
Core capital (leverage) ratio8.5494%5,432
Tier 1 risk-based capital ratio15.5475%2,833
Total risk-based capital ratio16.7975%2,770
Memoranda:
Average total assets$94,685,0005,347
Average earning assets$82,078,5005,483
Average equity$8,044,0006,047
Average total loans$56,136,0005,535
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2098%722
Cost of funding earning assets1.7330%7,176
Net interest margin5.4768%214
Noninterest income to average assets0.3712%5,732
Noninterest expense to average assets4.2446%1,101
Loan and lease loss provision to assets0.2236%4,653
Net operating income to assets0.5180%4,654
Return on assets (ROA)-0.1635%6,420
Pretax return on assets-0.4405%6,592
Return on Equity (ROE)-1.7776%6,477
Retained earnings to average equity (ytd only)-5.4687%6,579
Net charge-offs to loans0.1873%4,327
Credit loss provision to net charge-offs198.9899%2,455
Earnings coverage of net charge-offs (x)7.5455%3,083
Efficiency ratio83.3482%2,133
Assets per employee ($millions)1.5228%8,157
Cash dividends to net income (ytd only)*-207.6389%8,204
Condition Ratios (%)
Loss allowance to loans1.1831%4,679
Loan loss allowance to noncurrent loans186.3128%2,075
Noncurrent assets plus other real estate owned to assets0.5608%5,503
Noncurrent loans to loans0.6350%5,464
Net loans and leases to total assets58.0706%6,188
Net loans and leases to deposits63.8188%6,815
Net loans and leases to core deposits75.0940%6,909
Total domestic deposits to total assets90.9929%332
Equity capital to assets8.4495%6,174
Core capital (leverage) ratio8.9676%4,785
Tier 1 risk-based capital ratio15.5194%2,841
Total risk-based capital ratio16.7689%2,774
Memoranda:
Average total assets$88,089,2005,416
Average earning assets$75,938,4005,587
Average equity$8,100,6006,045
Average total loans$52,858,2005,589