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Murphy-Wall State Bank and Trust Company, 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 assets5.6629%1,749
Cost of funding earning assets1.1213%3,851
Net interest margin4.5416%585
Noninterest income to average assets0.6300%1,240
Noninterest expense to average assets3.4727%609
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets1.0020%2,264
Return on assets (ROA)1.0020%2,266
Pretax return on assets1.3443%1,861
Return on Equity (ROE)10.8800%2,061
Retained earnings to average equity (ytd only)5.2015%2,517
Net charge-offs to loans0.2166%511
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)9.9692%1,718
Efficiency ratio71.6624%1,651
Assets per employee ($millions)3.7619%4,159
Cash dividends to net income (ytd only)*52.1739%1,178
Condition Ratios (%)
Loss allowance to loans1.1464%2,485
Loan loss allowance to noncurrent loans107.6806%2,845
Noncurrent assets plus other real estate owned to assets0.7994%946
Noncurrent loans to loans1.0647%1,000
Net loans and leases to total assets60.1000%2,865
Net loans and leases to deposits67.1566%3,055
Net loans and leases to core deposits76.6721%2,914
Total domestic deposits to total assets89.5000%988
Equity capital to assets9.9397%2,254
Core capital (leverage) ratio11.4849%1,723
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$192,821,0003,060
Average earning assets$177,646,0003,059
Average equity$17,764,0003,164
Average total loans$120,058,0003,024
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1680%2,805
Cost of funding earning assets1.1811%3,835
Net interest margin3.9870%1,203
Noninterest income to average assets0.6600%1,305
Noninterest expense to average assets3.2104%859
Loan and lease loss provision to assets0.0000%3,171
Net operating income to assets0.8382%2,585
Return on assets (ROA)0.7906%2,727
Pretax return on assets1.0432%2,408
Return on Equity (ROE)9.2300%2,397
Retained earnings to average equity (ytd only)4.8182%2,309
Net charge-offs to loans0.0018%2,975
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)989.5000%134
Efficiency ratio74.4216%1,503
Assets per employee ($millions)3.6499%4,187
Cash dividends to net income (ytd only)*47.8138%1,746
Condition Ratios (%)
Loss allowance to loans1.2701%1,816
Loan loss allowance to noncurrent loans80.2275%3,168
Noncurrent assets plus other real estate owned to assets1.0608%616
Noncurrent loans to loans1.5832%583
Net loans and leases to total assets63.0800%2,663
Net loans and leases to deposits69.1604%3,011
Net loans and leases to core deposits80.0274%2,778
Total domestic deposits to total assets91.2100%461
Equity capital to assets8.4034%3,274
Core capital (leverage) ratio10.8619%2,085
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$179,354,4003,128
Average earning assets$164,260,0003,140
Average equity$15,358,4003,312
Average total loans$113,456,8003,066
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1219%2,814
Cost of funding earning assets1.1858%3,835
Net interest margin3.9361%1,241
Noninterest income to average assets0.6600%1,273
Noninterest expense to average assets3.1852%856
Loan and lease loss provision to assets0.0000%3,009
Net operating income to assets0.8266%2,605
Return on assets (ROA)0.7594%2,823
Pretax return on assets0.9990%2,553
Return on Equity (ROE)8.8300%2,509
Retained earnings to average equity (ytd only)7.2809%1,646
Net charge-offs to loans0.0000%2,849
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio74.6065%1,523
Assets per employee ($millions)3.6508%4,209
Cash dividends to net income (ytd only)*17.5025%2,620
Condition Ratios (%)
Loss allowance to loans1.3190%1,628
Loan loss allowance to noncurrent loans89.6073%3,127
Noncurrent assets plus other real estate owned to assets0.9481%717
Noncurrent loans to loans1.4720%644
Net loans and leases to total assets62.0200%2,731
Net loans and leases to deposits68.7240%3,075
Net loans and leases to core deposits80.6326%2,771
Total domestic deposits to total assets90.2500%521
Equity capital to assets9.1734%2,902
Core capital (leverage) ratio11.0376%2,017
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$178,568,7503,135
Average earning assets$163,712,2503,144
Average equity$15,364,0003,316
Average total loans$112,670,5003,075
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0608%2,837
Cost of funding earning assets1.1417%3,869
Net interest margin3.9191%1,237
Noninterest income to average assets0.6700%1,193
Noninterest expense to average assets3.1435%899
Loan and lease loss provision to assets0.0000%2,867
Net operating income to assets0.8503%2,461
Return on assets (ROA)0.8450%2,490
Pretax return on assets1.1162%2,167
Return on Equity (ROE)10.0400%2,174
Retained earnings to average equity (ytd only)7.6722%1,465
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio73.6801%1,673
Assets per employee ($millions)3.7116%4,223
Cash dividends to net income (ytd only)*23.6074%2,407
Condition Ratios (%)
Loss allowance to loans1.3213%1,648
Loan loss allowance to noncurrent loans89.1226%3,186
Noncurrent assets plus other real estate owned to assets0.9800%619
Noncurrent loans to loans1.4826%588
Net loans and leases to total assets62.1600%2,745
Net loans and leases to deposits68.4138%3,097
Net loans and leases to core deposits79.8505%2,815
Total domestic deposits to total assets90.8600%491
Equity capital to assets8.5452%3,068
Core capital (leverage) ratio10.9719%2,035
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$178,462,6673,140
Average earning assets$163,967,3333,149
Average equity$15,015,3333,320
Average total loans$112,750,3333,075
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0749%2,636
Cost of funding earning assets1.2008%3,724
Net interest margin3.8741%1,260
Noninterest income to average assets0.6400%1,224
Noninterest expense to average assets3.1420%909
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets0.8121%2,505
Return on assets (ROA)0.8174%2,510
Pretax return on assets1.0794%2,189
Return on Equity (ROE)9.7900%2,189
Retained earnings to average equity (ytd only)7.2966%1,742
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio74.5484%1,685
Assets per employee ($millions)3.6601%4,236
Cash dividends to net income (ytd only)*25.4795%1,905
Condition Ratios (%)
Loss allowance to loans1.3291%1,649
Loan loss allowance to noncurrent loans84.4052%3,296
Noncurrent assets plus other real estate owned to assets1.0254%557
Noncurrent loans to loans1.5747%498
Net loans and leases to total assets61.3900%2,724
Net loans and leases to deposits67.4461%3,071
Net loans and leases to core deposits77.4259%2,890
Total domestic deposits to total assets91.0200%522
Equity capital to assets8.2940%3,165
Core capital (leverage) ratio10.2308%2,561
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$178,614,5003,144
Average earning assets$164,890,5003,150
Average equity$14,911,0003,334
Average total loans$113,008,5003,077
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6643%2,760
Cost of funding earning assets0.7613%3,834
Net interest margin3.9030%1,368
Noninterest income to average assets0.7700%1,018
Noninterest expense to average assets3.0393%1,065
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.9899%2,254
Return on assets (ROA)0.9113%2,479
Pretax return on assets1.2075%2,117
Return on Equity (ROE)11.6600%2,050
Retained earnings to average equity (ytd only)8.9188%1,275
Net charge-offs to loans-0.0497%4,364
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio69.8882%1,893
Assets per employee ($millions)3.7847%4,226
Cash dividends to net income (ytd only)*23.4921%2,816
Condition Ratios (%)
Loss allowance to loans1.2959%1,786
Loan loss allowance to noncurrent loans105.4765%3,194
Noncurrent assets plus other real estate owned to assets0.7904%649
Noncurrent loans to loans1.2286%578
Net loans and leases to total assets63.5000%2,509
Net loans and leases to deposits69.6971%2,907
Net loans and leases to core deposits79.0898%2,761
Total domestic deposits to total assets91.1100%477
Equity capital to assets8.4028%3,118
Core capital (leverage) ratio10.6721%2,204
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$172,835,6003,176
Average earning assets$158,287,8003,179
Average equity$13,510,8003,378
Average total loans$106,716,2003,113
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6262%2,620
Cost of funding earning assets0.7231%3,717
Net interest margin3.9031%1,392
Noninterest income to average assets0.8200%900
Noninterest expense to average assets3.0338%1,020
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets1.0348%2,264
Return on assets (ROA)0.9170%2,611
Pretax return on assets1.2154%2,259
Return on Equity (ROE)11.9600%2,135
Retained earnings to average equity (ytd only)9.3775%1,581
Net charge-offs to loans-0.0674%4,429
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio68.9223%1,914
Assets per employee ($millions)3.6448%4,285
Cash dividends to net income (ytd only)*21.6102%2,394
Condition Ratios (%)
Loss allowance to loans1.3688%1,586
Loan loss allowance to noncurrent loans109.3658%3,134
Noncurrent assets plus other real estate owned to assets0.8088%687
Noncurrent loans to loans1.2516%616
Net loans and leases to total assets63.7300%2,472
Net loans and leases to deposits69.5086%2,873
Net loans and leases to core deposits79.7054%2,624
Total domestic deposits to total assets91.6900%520
Equity capital to assets7.7376%3,218
Core capital (leverage) ratio10.5327%2,368
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$171,574,0003,193
Average earning assets$157,100,5003,201
Average equity$13,151,7503,405
Average total loans$104,785,5003,127
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4989%2,646
Cost of funding earning assets0.6772%3,548
Net interest margin3.8217%1,578
Noninterest income to average assets0.9000%691
Noninterest expense to average assets2.9825%1,073
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.0766%2,188
Return on assets (ROA)0.8966%2,752
Pretax return on assets1.1881%2,392
Return on Equity (ROE)11.7300%2,240
Retained earnings to average equity (ytd only)9.1588%1,641
Net charge-offs to loans-0.0019%3,528
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio67.7275%2,010
Assets per employee ($millions)3.5306%4,341
Cash dividends to net income (ytd only)*21.9355%2,376
Condition Ratios (%)
Loss allowance to loans1.3495%1,716
Loan loss allowance to noncurrent loans101.0593%3,253
Noncurrent assets plus other real estate owned to assets0.8721%569
Noncurrent loans to loans1.3353%532
Net loans and leases to total assets61.7300%2,600
Net loans and leases to deposits67.5040%2,949
Net loans and leases to core deposits77.0379%2,684
Total domestic deposits to total assets91.4400%518
Equity capital to assets8.0162%3,206
Core capital (leverage) ratio10.1899%2,581
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$172,878,0003,196
Average earning assets$158,306,3333,201
Average equity$13,211,3333,415
Average total loans$103,600,6673,134
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3005%2,801
Cost of funding earning assets0.6332%3,283
Net interest margin3.6673%1,980
Noninterest income to average assets1.1100%490
Noninterest expense to average assets2.9350%1,168
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.1877%1,965
Return on assets (ROA)0.8202%3,085
Pretax return on assets1.0814%2,762
Return on Equity (ROE)10.9900%2,491
Retained earnings to average equity (ytd only)8.3842%2,121
Net charge-offs to loans-0.0039%3,573
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio65.3374%2,291
Assets per employee ($millions)3.8059%4,326
Cash dividends to net income (ytd only)*23.7430%1,885
Condition Ratios (%)
Loss allowance to loans1.3798%1,703
Loan loss allowance to noncurrent loans98.5537%3,354
Noncurrent assets plus other real estate owned to assets0.8831%512
Noncurrent loans to loans1.4001%474
Net loans and leases to total assets58.4200%2,830
Net loans and leases to deposits63.8519%3,101
Net loans and leases to core deposits73.4845%2,718
Total domestic deposits to total assets91.4900%649
Equity capital to assets7.7870%3,392
Core capital (leverage) ratio9.7860%2,904
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$174,582,5003,227
Average earning assets$160,445,0003,228
Average equity$13,024,5003,473
Average total loans$102,381,0003,183
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8717%2,057
Cost of funding earning assets0.2350%3,462
Net interest margin3.6367%1,533
Noninterest income to average assets0.7400%1,154
Noninterest expense to average assets3.0787%865
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.8072%3,303
Return on assets (ROA)0.7728%3,357
Pretax return on assets0.9940%3,090
Return on Equity (ROE)9.4200%2,991
Retained earnings to average equity (ytd only)6.6308%2,398
Net charge-offs to loans0.2022%411
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)9.0847%2,237
Efficiency ratio74.6477%1,155
Assets per employee ($millions)3.6269%4,408
Cash dividends to net income (ytd only)*29.6325%2,444
Condition Ratios (%)
Loss allowance to loans1.4151%1,449
Loan loss allowance to noncurrent loans100.1401%3,330
Noncurrent assets plus other real estate owned to assets0.8743%519
Noncurrent loans to loans1.4131%469
Net loans and leases to total assets57.2200%2,894
Net loans and leases to deposits63.8621%3,054
Net loans and leases to core deposits73.5899%2,602
Total domestic deposits to total assets89.6100%1,512
Equity capital to assets7.1319%3,597
Core capital (leverage) ratio10.1647%2,492
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$165,493,0003,303
Average earning assets$153,599,8003,287
Average equity$13,573,0003,518
Average total loans$93,483,8003,238
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8278%1,667
Cost of funding earning assets0.1775%3,542
Net interest margin3.6502%1,268
Noninterest income to average assets0.7900%1,046
Noninterest expense to average assets3.1001%783
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.8370%3,111
Return on assets (ROA)0.7861%3,261
Pretax return on assets1.0105%2,985
Return on Equity (ROE)9.2600%2,950
Retained earnings to average equity (ytd only)6.4346%2,581
Net charge-offs to loans0.2751%244
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)6.9683%2,090
Efficiency ratio74.0958%1,265
Assets per employee ($millions)3.4515%4,488
Cash dividends to net income (ytd only)*30.5296%2,007
Condition Ratios (%)
Loss allowance to loans1.4914%1,316
Loan loss allowance to noncurrent loans118.0842%3,239
Noncurrent assets plus other real estate owned to assets0.8223%606
Noncurrent loans to loans1.2630%580
Net loans and leases to total assets58.2300%2,671
Net loans and leases to deposits63.0324%2,939
Net loans and leases to core deposits67.4642%2,845
Total domestic deposits to total assets92.3800%753
Equity capital to assets7.1304%3,439
Core capital (leverage) ratio10.4668%2,141
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$163,343,2503,349
Average earning assets$151,695,0003,334
Average equity$13,862,2503,531
Average total loans$91,591,5003,272
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7333%1,460
Cost of funding earning assets0.1861%3,102
Net interest margin3.5472%1,188
Noninterest income to average assets0.8246%991
Noninterest expense to average assets3.0516%790
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.8432%2,805
Return on assets (ROA)0.7660%3,048
Pretax return on assets0.9822%2,789
Return on Equity (ROE)8.5730%2,838
Retained earnings to average equity (ytd only)5.9888%2,338
Net charge-offs to loans0.6122%106
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)3.2029%2,006
Efficiency ratio73.7138%1,543
Assets per employee ($millions)3.4746%4,551
Cash dividends to net income (ytd only)*30.1435%2,091
Condition Ratios (%)
Loss allowance to loans1.4436%1,582
Loan loss allowance to noncurrent loans219.0865%2,548
Noncurrent assets plus other real estate owned to assets0.6705%815
Noncurrent loans to loans0.6589%1,303
Net loans and leases to total assets56.1444%2,740
Net loans and leases to deposits61.2375%2,953
Net loans and leases to core deposits64.1762%2,951
Total domestic deposits to total assets91.6830%973
Equity capital to assets7.7781%3,288
Core capital (leverage) ratio9.9957%2,403
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$163,717,0003,377
Average earning assets$152,628,3333,371
Average equity$14,627,3333,531
Average total loans$90,160,0003,325
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5846%1,551
Cost of funding earning assets0.1922%2,911
Net interest margin3.3924%1,316
Noninterest income to average assets0.7638%1,138
Noninterest expense to average assets2.9941%824
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.7407%2,889
Return on assets (ROA)0.7272%2,940
Pretax return on assets0.9395%2,633
Return on Equity (ROE)7.6459%2,827
Retained earnings to average equity (ytd only)5.0032%2,594
Net charge-offs to loans0.4373%158
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)4.0412%1,637
Efficiency ratio75.6022%1,574
Assets per employee ($millions)3.5753%4,534
Cash dividends to net income (ytd only)*34.5638%1,631
Condition Ratios (%)
Loss allowance to loans1.7263%1,011
Loan loss allowance to noncurrent loans123.8405%3,169
Noncurrent assets plus other real estate owned to assets0.9510%545
Noncurrent loans to loans1.3940%614
Net loans and leases to total assets52.6812%2,921
Net loans and leases to deposits58.0245%3,075
Net loans and leases to core deposits60.9586%3,066
Total domestic deposits to total assets90.7912%1,137
Equity capital to assets8.7637%2,915
Core capital (leverage) ratio9.6709%2,629
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$163,923,5003,390
Average earning assets$153,991,0003,374
Average equity$15,590,0003,506
Average total loans$88,725,5003,346
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8859%1,652
Cost of funding earning assets0.2457%2,983
Net interest margin3.6402%1,366
Noninterest income to average assets0.8235%1,396
Noninterest expense to average assets3.0304%938
Loan and lease loss provision to assets0.2163%476
Net operating income to assets0.7729%3,413
Return on assets (ROA)0.7869%3,440
Pretax return on assets0.9969%3,266
Return on Equity (ROE)7.5133%3,372
Retained earnings to average equity (ytd only)4.8136%2,853
Net charge-offs to loans0.3197%264
Credit loss provision to net charge-offs118.7500%1,655
Earnings coverage of net charge-offs (x)6.5625%2,390
Efficiency ratio71.5611%1,558
Assets per employee ($millions)3.5518%4,572
Cash dividends to net income (ytd only)*35.9325%2,246
Condition Ratios (%)
Loss allowance to loans1.8132%841
Loan loss allowance to noncurrent loans88.1808%3,523
Noncurrent assets plus other real estate owned to assets1.1641%433
Noncurrent loans to loans2.0563%382
Net loans and leases to total assets53.6583%2,892
Net loans and leases to deposits59.9454%3,080
Net loans and leases to core deposits63.0390%3,069
Total domestic deposits to total assets89.5118%1,231
Equity capital to assets10.2623%2,411
Core capital (leverage) ratio9.6113%2,752
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$158,096,8003,412
Average earning assets$147,764,8003,396
Average equity$16,557,4003,499
Average total loans$90,080,4003,336
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8868%1,797
Cost of funding earning assets0.2572%3,044
Net interest margin3.6296%1,526
Noninterest income to average assets0.8079%1,494
Noninterest expense to average assets3.0302%916
Loan and lease loss provision to assets0.2781%303
Net operating income to assets0.7054%3,752
Return on assets (ROA)0.7169%3,793
Pretax return on assets0.8989%3,698
Return on Equity (ROE)6.8099%3,718
Retained earnings to average equity (ytd only)4.0310%3,572
Net charge-offs to loans0.3899%196
Credit loss provision to net charge-offs123.8636%1,446
Earnings coverage of net charge-offs (x)5.1780%2,233
Efficiency ratio72.1095%1,392
Assets per employee ($millions)3.5691%4,616
Cash dividends to net income (ytd only)*40.8066%1,580
Condition Ratios (%)
Loss allowance to loans1.7734%980
Loan loss allowance to noncurrent loans43.2404%4,021
Noncurrent assets plus other real estate owned to assets2.3853%132
Noncurrent loans to loans4.1014%124
Net loans and leases to total assets56.1425%2,714
Net loans and leases to deposits62.7971%2,972
Net loans and leases to core deposits66.3974%2,919
Total domestic deposits to total assets89.4030%1,073
Equity capital to assets10.4040%2,529
Core capital (leverage) ratio9.8573%2,655
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$156,775,0003,457
Average earning assets$146,200,7503,447
Average equity$16,505,0003,552
Average total loans$90,278,5003,376
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0408%1,469
Cost of funding earning assets0.2671%3,112
Net interest margin3.7737%1,180
Noninterest income to average assets0.7537%1,663
Noninterest expense to average assets3.0007%982
Loan and lease loss provision to assets0.3794%186
Net operating income to assets0.7066%3,746
Return on assets (ROA)0.7190%3,778
Pretax return on assets0.8965%3,671
Return on Equity (ROE)6.8019%3,703
Retained earnings to average equity (ytd only)3.6504%3,631
Net charge-offs to loans0.5815%134
Credit loss provision to net charge-offs113.0268%1,293
Earnings coverage of net charge-offs (x)3.7548%2,059
Efficiency ratio70.2686%1,602
Assets per employee ($millions)3.5246%4,664
Cash dividends to net income (ytd only)*46.3327%1,357
Condition Ratios (%)
Loss allowance to loans1.7688%936
Loan loss allowance to noncurrent loans41.9245%4,044
Noncurrent assets plus other real estate owned to assets2.4463%143
Noncurrent loans to loans4.2189%120
Net loans and leases to total assets55.9893%2,900
Net loans and leases to deposits62.7459%3,128
Net loans and leases to core deposits66.5884%3,064
Total domestic deposits to total assets89.2319%1,173
Equity capital to assets10.4232%2,464
Core capital (leverage) ratio9.7640%2,640
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$155,496,3333,474
Average earning assets$144,526,0003,473
Average equity$16,436,6673,563
Average total loans$89,771,6673,404
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0629%1,478
Cost of funding earning assets0.2792%3,194
Net interest margin3.7837%1,176
Noninterest income to average assets0.7821%1,628
Noninterest expense to average assets2.9960%1,002
Loan and lease loss provision to assets0.4859%139
Net operating income to assets0.6638%3,792
Return on assets (ROA)0.6912%3,794
Pretax return on assets0.8549%3,709
Return on Equity (ROE)6.4922%3,730
Retained earnings to average equity (ytd only)3.3437%3,676
Net charge-offs to loans1.1581%61
Credit loss provision to net charge-offs72.2008%1,238
Earnings coverage of net charge-offs (x)1.9421%1,827
Efficiency ratio69.4444%1,762
Assets per employee ($millions)3.4226%4,723
Cash dividends to net income (ytd only)*48.4962%1,146
Condition Ratios (%)
Loss allowance to loans1.6597%1,147
Loan loss allowance to noncurrent loans36.8278%4,142
Noncurrent assets plus other real estate owned to assets2.6055%145
Noncurrent loans to loans4.5065%104
Net loans and leases to total assets56.1900%3,013
Net loans and leases to deposits62.8695%3,232
Net loans and leases to core deposits67.4749%3,111
Total domestic deposits to total assets89.3756%1,138
Equity capital to assets10.2484%2,482
Core capital (leverage) ratio9.7782%2,738
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$153,941,0003,490
Average earning assets$143,247,0003,481
Average equity$16,389,0003,572
Average total loans$89,456,5003,418
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1503%2,278
Cost of funding earning assets0.4506%3,274
Net interest margin3.6998%1,803
Noninterest income to average assets0.9934%1,052
Noninterest expense to average assets3.2494%973
Loan and lease loss provision to assets0.4699%572
Net operating income to assets0.5776%3,821
Return on assets (ROA)0.5821%3,914
Pretax return on assets0.7202%3,844
Return on Equity (ROE)5.1608%3,860
Retained earnings to average equity (ytd only)1.5760%4,002
Net charge-offs to loans0.0178%2,735
Credit loss provision to net charge-offs4,493.3333%236
Earnings coverage of net charge-offs (x)113.2667%731
Efficiency ratio73.1289%1,551
Assets per employee ($millions)3.1342%4,782
Cash dividends to net income (ytd only)*69.4611%972
Condition Ratios (%)
Loss allowance to loans1.7593%934
Loan loss allowance to noncurrent loans30.1425%4,279
Noncurrent assets plus other real estate owned to assets3.5223%79
Noncurrent loans to loans5.8367%56
Net loans and leases to total assets58.0884%3,075
Net loans and leases to deposits65.6554%3,307
Net loans and leases to core deposits71.3353%3,145
Total domestic deposits to total assets88.4747%1,243
Equity capital to assets11.0627%2,201
Core capital (leverage) ratio9.7751%2,816
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$143,441,6003,476
Average earning assets$133,386,4003,463
Average equity$16,179,8003,532
Average total loans$84,275,8003,491
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2210%2,335
Cost of funding earning assets0.4814%3,349
Net interest margin3.7396%1,795
Noninterest income to average assets1.0097%1,006
Noninterest expense to average assets3.3048%904
Loan and lease loss provision to assets0.3310%1,173
Net operating income to assets0.6875%3,496
Return on assets (ROA)0.6897%3,593
Pretax return on assets0.8563%3,501
Return on Equity (ROE)6.0838%3,529
Retained earnings to average equity (ytd only)1.9837%3,938
Net charge-offs to loans-0.0096%4,219
Credit loss provision to net charge-offs-5,866.6667%4,259
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.4437%1,467
Assets per employee ($millions)3.3402%4,727
Cash dividends to net income (ytd only)*67.3943%898
Condition Ratios (%)
Loss allowance to loans1.4692%1,475
Loan loss allowance to noncurrent loans26.2241%4,350
Noncurrent assets plus other real estate owned to assets3.1741%134
Noncurrent loans to loans5.6024%80
Net loans and leases to total assets55.1719%3,694
Net loans and leases to deposits64.1354%3,787
Net loans and leases to core deposits69.7130%3,642
Total domestic deposits to total assets86.0240%2,057
Equity capital to assets10.7479%2,590
Core capital (leverage) ratio10.0047%2,722
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0115%1,051
Memoranda:
Average total assets$141,691,2503,477
Average earning assets$131,846,7503,474
Average equity$16,064,0003,542
Average total loans$83,106,0003,526
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3252%2,407
Cost of funding earning assets0.5176%3,427
Net interest margin3.8076%1,818
Noninterest income to average assets0.9702%1,036
Noninterest expense to average assets3.3347%942
Loan and lease loss provision to assets0.3152%1,359
Net operating income to assets0.6899%3,425
Return on assets (ROA)0.6899%3,527
Pretax return on assets0.8569%3,435
Return on Equity (ROE)5.9696%3,518
Retained earnings to average equity (ytd only)0.8420%4,129
Net charge-offs to loans-0.0122%4,262
Credit loss provision to net charge-offs-4,340.0000%4,073
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.8318%1,479
Assets per employee ($millions)3.2619%4,759
Cash dividends to net income (ytd only)*85.8947%655
Condition Ratios (%)
Loss allowance to loans1.3093%1,953
Loan loss allowance to noncurrent loans31.6424%4,350
Noncurrent assets plus other real estate owned to assets2.4566%231
Noncurrent loans to loans4.1379%157
Net loans and leases to total assets56.7153%3,629
Net loans and leases to deposits66.2703%3,696
Net loans and leases to core deposits72.2035%3,582
Total domestic deposits to total assets85.5818%2,172
Equity capital to assets10.8900%2,428
Core capital (leverage) ratio10.4211%2,431
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0323%1,052
Memoranda:
Average total assets$137,705,3333,508
Average earning assets$127,902,0003,500
Average equity$15,914,0003,558
Average total loans$82,129,6673,541
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4938%2,327
Cost of funding earning assets0.5395%3,747
Net interest margin3.9543%1,518
Noninterest income to average assets0.7603%1,430
Noninterest expense to average assets3.3299%1,174
Loan and lease loss provision to assets0.3862%792
Net operating income to assets0.5839%3,646
Return on assets (ROA)0.5839%3,706
Pretax return on assets0.6994%3,688
Return on Equity (ROE)4.8914%3,671
Retained earnings to average equity (ytd only)1.9362%3,466
Net charge-offs to loans-0.0050%3,868
Credit loss provision to net charge-offs-12,700.0000%3,989
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.2066%1,660
Assets per employee ($millions)3.0308%4,778
Cash dividends to net income (ytd only)*60.4167%1,388
Condition Ratios (%)
Loss allowance to loans1.2404%2,449
Loan loss allowance to noncurrent loans28.2978%4,420
Noncurrent assets plus other real estate owned to assets2.8286%221
Noncurrent loans to loans4.3836%158
Net loans and leases to total assets61.7327%3,330
Net loans and leases to deposits70.3303%3,563
Net loans and leases to core deposits77.3109%3,399
Total domestic deposits to total assets87.7754%1,198
Equity capital to assets11.6839%2,298
Core capital (leverage) ratio11.3069%2,228
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.6832%1,033
Memoranda:
Average total assets$131,535,0003,569
Average earning assets$121,590,0003,559
Average equity$15,701,0003,587
Average total loans$80,080,5003,580
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4807%3,011
Cost of funding earning assets0.5128%4,035
Net interest margin3.9679%1,949
Noninterest income to average assets0.7721%1,538
Noninterest expense to average assets3.4415%1,043
Loan and lease loss provision to assets0.1793%1,163
Net operating income to assets0.6565%3,998
Return on assets (ROA)0.7189%3,868
Pretax return on assets0.8808%3,790
Return on Equity (ROE)5.9781%3,926
Retained earnings to average equity (ytd only)5.4040%2,227
Net charge-offs to loans0.1140%1,598
Credit loss provision to net charge-offs265.8824%1,042
Earnings coverage of net charge-offs (x)14.5882%2,278
Efficiency ratio77.5865%1,194
Assets per employee ($millions)2.9481%4,848
Cash dividends to net income (ytd only)*9.6026%3,761
Condition Ratios (%)
Loss allowance to loans1.1796%2,551
Loan loss allowance to noncurrent loans25.8635%4,488
Noncurrent assets plus other real estate owned to assets2.8393%200
Noncurrent loans to loans4.5610%122
Net loans and leases to total assets58.5109%3,726
Net loans and leases to deposits67.0441%3,894
Net loans and leases to core deposits73.4037%3,768
Total domestic deposits to total assets87.2722%1,475
Equity capital to assets12.1966%2,016
Core capital (leverage) ratio11.4054%2,185
Tier 1 risk-based capital ratio18.7207%1,585
Total risk-based capital ratio19.8676%1,578
Memoranda:
Average total assets$126,020,0003,616
Average earning assets$116,029,8003,621
Average equity$15,155,4003,625
Average total loans$74,577,6003,690
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4653%3,164
Cost of funding earning assets0.5061%4,114
Net interest margin3.9593%2,076
Noninterest income to average assets0.7535%1,580
Noninterest expense to average assets3.4948%960
Loan and lease loss provision to assets0.1695%1,093
Net operating income to assets0.6140%4,259
Return on assets (ROA)0.6256%4,279
Pretax return on assets0.7471%4,246
Return on Equity (ROE)5.2215%4,271
Retained earnings to average equity (ytd only)4.4476%3,169
Net charge-offs to loans0.1315%1,210
Credit loss provision to net charge-offs217.8082%1,229
Earnings coverage of net charge-offs (x)11.6029%2,432
Efficiency ratio79.4716%968
Assets per employee ($millions)2.9888%4,899
Cash dividends to net income (ytd only)*14.8214%3,231
Condition Ratios (%)
Loss allowance to loans1.1148%2,954
Loan loss allowance to noncurrent loans22.9071%4,596
Noncurrent assets plus other real estate owned to assets3.0540%182
Noncurrent loans to loans4.8665%108
Net loans and leases to total assets58.7356%3,804
Net loans and leases to deposits67.2976%3,969
Net loans and leases to core deposits73.2329%3,876
Total domestic deposits to total assets87.2775%1,387
Equity capital to assets12.1646%2,143
Core capital (leverage) ratio11.2383%2,435
Tier 1 risk-based capital ratio18.7452%1,624
Total risk-based capital ratio19.8479%1,631
Memoranda:
Average total assets$125,096,0003,662
Average earning assets$115,136,0003,665
Average equity$14,989,0003,672
Average total loans$74,021,0003,739
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4067%3,312
Cost of funding earning assets0.4941%4,140
Net interest margin3.9126%2,211
Noninterest income to average assets0.7019%1,704
Noninterest expense to average assets3.4964%964
Loan and lease loss provision to assets0.2453%633
Net operating income to assets0.4916%4,537
Return on assets (ROA)0.5099%4,543
Pretax return on assets0.5841%4,572
Return on Equity (ROE)4.2778%4,523
Retained earnings to average equity (ytd only)3.1000%3,671
Net charge-offs to loans0.0519%1,903
Credit loss provision to net charge-offs800.0000%423
Earnings coverage of net charge-offs (x)26.3684%1,572
Efficiency ratio81.2219%860
Assets per employee ($millions)2.7932%5,017
Cash dividends to net income (ytd only)*27.5316%2,734
Condition Ratios (%)
Loss allowance to loans1.2346%2,335
Loan loss allowance to noncurrent loans23.9850%4,634
Noncurrent assets plus other real estate owned to assets3.1672%174
Noncurrent loans to loans5.1473%99
Net loans and leases to total assets57.1530%3,993
Net loans and leases to deposits65.3676%4,138
Net loans and leases to core deposits71.2250%4,050
Total domestic deposits to total assets87.4332%1,371
Equity capital to assets12.1205%2,106
Core capital (leverage) ratio11.4818%2,186
Tier 1 risk-based capital ratio19.2885%1,485
Total risk-based capital ratio20.5083%1,460
Memoranda:
Average total assets$123,954,6703,702
Average earning assets$114,145,3303,700
Average equity$14,774,0003,697
Average total loans$73,248,6703,777
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4318%3,110
Cost of funding earning assets0.4775%4,169
Net interest margin3.9543%2,007
Noninterest income to average assets0.6532%1,811
Noninterest expense to average assets3.4870%985
Loan and lease loss provision to assets0.2535%569
Net operating income to assets0.4814%4,568
Return on assets (ROA)0.4842%4,583
Pretax return on assets0.5492%4,596
Return on Equity (ROE)4.0981%4,553
Retained earnings to average equity (ytd only)1.7052%4,137
Net charge-offs to loans0.0163%2,141
Credit loss provision to net charge-offs2,600.0000%167
Earnings coverage of net charge-offs (x)82.0000%761
Efficiency ratio81.3495%937
Assets per employee ($millions)2.7621%5,092
Cash dividends to net income (ytd only)*58.3893%1,405
Condition Ratios (%)
Loss allowance to loans1.1475%2,871
Loan loss allowance to noncurrent loans62.9685%4,015
Noncurrent assets plus other real estate owned to assets1.1778%1,145
Noncurrent loans to loans1.8224%846
Net loans and leases to total assets58.2179%3,862
Net loans and leases to deposits66.3798%4,026
Net loans and leases to core deposits72.3316%3,918
Total domestic deposits to total assets87.7043%1,474
Equity capital to assets11.8162%2,143
Core capital (leverage) ratio11.6320%2,030
Tier 1 risk-based capital ratio19.2496%1,491
Total risk-based capital ratio20.4019%1,486
Memoranda:
Average total assets$123,084,0003,747
Average earning assets$113,092,0003,765
Average equity$14,543,5003,736
Average total loans$73,504,5003,811
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4665%2,558
Cost of funding earning assets0.3781%4,114
Net interest margin4.0883%1,717
Noninterest income to average assets0.7536%1,627
Noninterest expense to average assets3.3679%1,200
Loan and lease loss provision to assets0.0823%2,483
Net operating income to assets0.8750%3,519
Return on assets (ROA)0.8684%3,540
Pretax return on assets1.0813%3,340
Return on Equity (ROE)7.4563%3,677
Retained earnings to average equity (ytd only)5.2780%2,611
Net charge-offs to loans0.1889%1,014
Credit loss provision to net charge-offs72.2628%2,961
Earnings coverage of net charge-offs (x)10.2847%2,735
Efficiency ratio74.1847%1,602
Assets per employee ($millions)2.8343%5,076
Cash dividends to net income (ytd only)*29.2146%3,078
Condition Ratios (%)
Loss allowance to loans1.0365%3,464
Loan loss allowance to noncurrent loans55.6364%4,211
Noncurrent assets plus other real estate owned to assets1.1873%1,104
Noncurrent loans to loans1.8630%745
Net loans and leases to total assets59.9329%3,786
Net loans and leases to deposits70.2401%3,809
Net loans and leases to core deposits75.4332%3,755
Total domestic deposits to total assets85.3257%2,501
Equity capital to assets11.8156%2,018
Core capital (leverage) ratio11.7335%1,925
Tier 1 risk-based capital ratio19.1177%1,497
Total risk-based capital ratio20.1648%1,494
Memoranda:
Average total assets$120,224,0003,780
Average earning assets$111,341,2003,785
Average equity$14,001,6003,747
Average total loans$72,536,8003,818
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3732%2,717
Cost of funding earning assets0.3670%4,072
Net interest margin4.0062%1,937
Noninterest income to average assets0.7434%1,703
Noninterest expense to average assets3.3274%1,247
Loan and lease loss provision to assets0.0868%2,238
Net operating income to assets0.8436%3,762
Return on assets (ROA)0.8535%3,729
Pretax return on assets1.0583%3,542
Return on Equity (ROE)7.3561%3,797
Retained earnings to average equity (ytd only)5.2653%3,080
Net charge-offs to loans0.1329%1,214
Credit loss provision to net charge-offs108.3333%2,132
Earnings coverage of net charge-offs (x)14.1385%2,306
Efficiency ratio74.6008%1,513
Assets per employee ($millions)2.7493%5,189
Cash dividends to net income (ytd only)*28.4225%2,625
Condition Ratios (%)
Loss allowance to loans1.1050%3,160
Loan loss allowance to noncurrent loans58.4960%4,230
Noncurrent assets plus other real estate owned to assets1.3001%1,050
Noncurrent loans to loans1.8890%800
Net loans and leases to total assets61.2458%3,724
Net loans and leases to deposits69.7351%3,936
Net loans and leases to core deposits74.7880%3,893
Total domestic deposits to total assets87.8263%1,323
Equity capital to assets11.7465%2,070
Core capital (leverage) ratio11.5181%2,151
Tier 1 risk-based capital ratio19.2709%1,479
Total risk-based capital ratio20.4026%1,474
Memoranda:
Average total assets$119,811,7503,830
Average earning assets$111,159,5003,825
Average equity$13,902,0003,787
Average total loans$72,219,2503,862
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3155%2,711
Cost of funding earning assets0.3701%3,936
Net interest margin3.9455%2,048
Noninterest income to average assets0.7296%1,743
Noninterest expense to average assets3.2591%1,415
Loan and lease loss provision to assets0.1163%1,706
Net operating income to assets0.8265%3,768
Return on assets (ROA)0.8360%3,739
Pretax return on assets1.0337%3,556
Return on Equity (ROE)7.2338%3,822
Retained earnings to average equity (ytd only)5.3498%2,907
Net charge-offs to loans0.1864%842
Credit loss provision to net charge-offs104.4776%1,955
Earnings coverage of net charge-offs (x)10.2239%2,343
Efficiency ratio74.1119%1,693
Assets per employee ($millions)2.8912%5,166
Cash dividends to net income (ytd only)*26.0437%2,754
Condition Ratios (%)
Loss allowance to loans1.1323%3,079
Loan loss allowance to noncurrent loans63.3648%4,138
Noncurrent assets plus other real estate owned to assets1.2325%1,162
Noncurrent loans to loans1.7870%873
Net loans and leases to total assets59.3686%3,865
Net loans and leases to deposits67.6052%4,040
Net loans and leases to core deposits72.4791%3,981
Total domestic deposits to total assets87.8167%1,466
Equity capital to assets11.7177%2,047
Core capital (leverage) ratio11.4174%2,143
Tier 1 risk-based capital ratio19.2801%1,479
Total risk-based capital ratio20.4232%1,465
Memoranda:
Average total assets$120,341,6703,853
Average earning assets$111,875,3303,846
Average equity$13,907,0003,806
Average total loans$71,887,3303,896
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2185%2,827
Cost of funding earning assets0.3742%3,786
Net interest margin3.8443%2,245
Noninterest income to average assets0.6532%2,021
Noninterest expense to average assets3.2002%1,562
Loan and lease loss provision to assets0.0726%2,310
Net operating income to assets0.7896%3,754
Return on assets (ROA)0.8083%3,683
Pretax return on assets0.9963%3,546
Return on Equity (ROE)7.0425%3,771
Retained earnings to average equity (ytd only)5.7777%2,821
Net charge-offs to loans0.1716%845
Credit loss provision to net charge-offs70.9677%1,822
Earnings coverage of net charge-offs (x)10.2258%1,915
Efficiency ratio75.3691%1,693
Assets per employee ($millions)3.1294%5,065
Cash dividends to net income (ytd only)*17.9592%2,444
Condition Ratios (%)
Loss allowance to loans1.1029%3,361
Loan loss allowance to noncurrent loans55.7584%4,336
Noncurrent assets plus other real estate owned to assets1.2610%1,181
Noncurrent loans to loans1.9781%814
Net loans and leases to total assets58.3354%3,911
Net loans and leases to deposits67.7103%3,969
Net loans and leases to core deposits72.5350%3,915
Total domestic deposits to total assets86.1544%2,476
Equity capital to assets11.3007%2,301
Core capital (leverage) ratio11.2305%2,223
Tier 1 risk-based capital ratio18.8764%1,580
Total risk-based capital ratio19.9932%1,579
Memoranda:
Average total assets$121,243,0003,883
Average earning assets$113,309,5003,862
Average equity$13,915,5003,840
Average total loans$72,240,5003,927
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2445%2,519
Cost of funding earning assets0.3214%3,937
Net interest margin3.9231%2,021
Noninterest income to average assets0.6803%2,051
Noninterest expense to average assets3.0993%1,862
Loan and lease loss provision to assets0.4759%283
Net operating income to assets0.5742%4,123
Return on assets (ROA)0.6166%3,982
Pretax return on assets0.7746%4,321
Return on Equity (ROE)5.3714%4,016
Retained earnings to average equity (ytd only)1.4708%4,415
Net charge-offs to loans0.7184%296
Credit loss provision to net charge-offs116.1616%2,252
Earnings coverage of net charge-offs (x)2.9232%3,672
Efficiency ratio72.1302%2,203
Assets per employee ($millions)2.9376%5,243
Cash dividends to net income (ytd only)*72.6174%1,135
Condition Ratios (%)
Loss allowance to loans1.1077%3,309
Loan loss allowance to noncurrent loans74.9067%4,000
Noncurrent assets plus other real estate owned to assets0.9939%1,556
Noncurrent loans to loans1.4788%1,156
Net loans and leases to total assets59.5218%3,875
Net loans and leases to deposits69.9327%3,883
Net loans and leases to core deposits75.2417%3,800
Total domestic deposits to total assets85.1129%2,795
Equity capital to assets11.6564%2,073
Core capital (leverage) ratio10.7459%2,595
Tier 1 risk-based capital ratio18.1819%1,753
Total risk-based capital ratio19.2920%1,739
Memoranda:
Average total assets$120,832,4003,884
Average earning assets$111,390,6003,893
Average equity$13,869,8003,857
Average total loans$68,905,6003,993
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2315%2,515
Cost of funding earning assets0.3064%4,072
Net interest margin3.9251%1,947
Noninterest income to average assets0.6869%2,053
Noninterest expense to average assets3.1080%1,776
Loan and lease loss provision to assets0.3032%516
Net operating income to assets0.6733%4,108
Return on assets (ROA)0.7277%3,901
Pretax return on assets0.9482%3,879
Return on Equity (ROE)6.3640%3,959
Retained earnings to average equity (ytd only)1.9863%4,641
Net charge-offs to loans0.0098%3,380
Credit loss provision to net charge-offs5,500.0000%85
Earnings coverage of net charge-offs (x)214.0870%401
Efficiency ratio72.4679%2,143
Assets per employee ($millions)3.2112%5,051
Cash dividends to net income (ytd only)*68.7879%1,013
Condition Ratios (%)
Loss allowance to loans1.3845%1,954
Loan loss allowance to noncurrent loans77.3967%3,974
Noncurrent assets plus other real estate owned to assets1.1250%1,471
Noncurrent loans to loans1.7889%1,006
Net loans and leases to total assets55.0652%4,315
Net loans and leases to deposits63.5218%4,412
Net loans and leases to core deposits67.9316%4,365
Total domestic deposits to total assets86.6870%2,003
Equity capital to assets10.9992%2,865
Core capital (leverage) ratio10.7665%2,676
Tier 1 risk-based capital ratio18.2943%1,780
Total risk-based capital ratio19.5449%1,739
Memoranda:
Average total assets$120,930,5003,920
Average earning assets$110,974,5003,934
Average equity$13,827,5003,905
Average total loans$68,009,2504,045
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2404%2,323
Cost of funding earning assets0.2797%4,292
Net interest margin3.9607%1,737
Noninterest income to average assets0.6840%2,062
Noninterest expense to average assets3.1497%1,706
Loan and lease loss provision to assets0.3462%419
Net operating income to assets0.6254%4,182
Return on assets (ROA)0.7110%3,864
Pretax return on assets0.9086%3,903
Return on Equity (ROE)6.1337%3,989
Retained earnings to average equity (ytd only)-0.4808%5,160
Net charge-offs to loans0.1138%1,499
Credit loss provision to net charge-offs539.4737%620
Earnings coverage of net charge-offs (x)17.8421%1,911
Efficiency ratio73.3386%2,122
Assets per employee ($millions)3.1226%5,168
Cash dividends to net income (ytd only)*107.8385%399
Condition Ratios (%)
Loss allowance to loans1.2687%2,577
Loan loss allowance to noncurrent loans52.3222%4,527
Noncurrent assets plus other real estate owned to assets1.4916%1,026
Noncurrent loans to loans2.4248%634
Net loans and leases to total assets55.4523%4,274
Net loans and leases to deposits66.1822%4,213
Net loans and leases to core deposits71.0821%4,152
Total domestic deposits to total assets83.7873%3,289
Equity capital to assets11.1672%2,638
Core capital (leverage) ratio11.0665%2,343
Tier 1 risk-based capital ratio17.8515%1,903
Total risk-based capital ratio19.0816%1,863
Memoranda:
Average total assets$118,425,3303,983
Average earning assets$107,962,0004,019
Average equity$13,727,3303,929
Average total loans$66,771,6704,087
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1605%2,427
Cost of funding earning assets0.2633%4,421
Net interest margin3.8972%1,789
Noninterest income to average assets0.7015%1,964
Noninterest expense to average assets3.2087%1,584
Loan and lease loss provision to assets0.3924%290
Net operating income to assets0.5605%4,326
Return on assets (ROA)0.6077%4,177
Pretax return on assets0.7570%4,268
Return on Equity (ROE)5.1406%4,325
Retained earnings to average equity (ytd only)-5.6400%5,427
Net charge-offs to loans0.2274%789
Credit loss provision to net charge-offs305.4054%773
Earnings coverage of net charge-offs (x)8.4865%2,060
Efficiency ratio74.6365%2,117
Assets per employee ($millions)2.8605%5,457
Cash dividends to net income (ytd only)*209.7143%218
Condition Ratios (%)
Loss allowance to loans1.2265%2,964
Loan loss allowance to noncurrent loans80.5444%3,988
Noncurrent assets plus other real estate owned to assets1.0726%1,674
Noncurrent loans to loans1.5227%1,302
Net loans and leases to total assets54.8660%4,264
Net loans and leases to deposits64.0266%4,306
Net loans and leases to core deposits65.4815%4,464
Total domestic deposits to total assets85.6926%2,800
Equity capital to assets11.5406%2,157
Core capital (leverage) ratio11.2131%2,174
Tier 1 risk-based capital ratio19.4959%1,494
Total risk-based capital ratio20.7105%1,470
Memoranda:
Average total assets$115,187,0004,079
Average earning assets$106,333,5004,079
Average equity$13,617,0003,976
Average total loans$65,082,0004,153
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1127%2,802
Cost of funding earning assets0.2635%4,431
Net interest margin3.8492%2,141
Noninterest income to average assets0.7741%1,861
Noninterest expense to average assets3.1923%1,807
Loan and lease loss provision to assets0.2007%1,152
Net operating income to assets0.7027%3,768
Return on assets (ROA)0.7723%3,542
Pretax return on assets1.0167%3,419
Return on Equity (ROE)6.1420%3,906
Retained earnings to average equity (ytd only)-3.6366%5,620
Net charge-offs to loans0.1694%1,604
Credit loss provision to net charge-offs219.0476%1,304
Earnings coverage of net charge-offs (x)12.2857%2,466
Efficiency ratio73.9289%2,295
Assets per employee ($millions)2.6927%5,565
Cash dividends to net income (ytd only)*159.2090%138
Condition Ratios (%)
Loss allowance to loans1.1120%3,643
Loan loss allowance to noncurrent loans71.7974%4,189
Noncurrent assets plus other real estate owned to assets1.0991%1,698
Noncurrent loans to loans1.5488%1,285
Net loans and leases to total assets56.8511%4,185
Net loans and leases to deposits66.8594%4,181
Net loans and leases to core deposits68.2215%4,383
Total domestic deposits to total assets85.0308%3,030
Equity capital to assets12.1131%1,737
Core capital (leverage) ratio11.4560%1,966
Tier 1 risk-based capital ratio19.9648%1,380
Total risk-based capital ratio21.0727%1,378
Memoranda:
Average total assets$114,590,0004,084
Average earning assets$105,502,2004,089
Average equity$14,409,0003,888
Average total loans$61,987,6004,229
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0574%3,012
Cost of funding earning assets0.2593%4,518
Net interest margin3.7982%2,339
Noninterest income to average assets0.7782%1,854
Noninterest expense to average assets3.1777%1,834
Loan and lease loss provision to assets0.0696%2,826
Net operating income to assets0.7767%3,476
Return on assets (ROA)0.8315%3,358
Pretax return on assets1.1041%3,217
Return on Equity (ROE)6.5539%3,804
Retained earnings to average equity (ytd only)-2.6965%5,636
Net charge-offs to loans0.1350%1,626
Credit loss provision to net charge-offs96.7742%2,424
Earnings coverage of net charge-offs (x)15.3073%2,186
Efficiency ratio74.2749%2,230
Assets per employee ($millions)2.7813%5,559
Cash dividends to net income (ytd only)*141.1431%146
Condition Ratios (%)
Loss allowance to loans0.9240%4,786
Loan loss allowance to noncurrent loans87.6471%3,884
Noncurrent assets plus other real estate owned to assets0.9108%2,276
Noncurrent loans to loans1.0542%2,135
Net loans and leases to total assets54.7074%4,431
Net loans and leases to deposits64.6080%4,443
Net loans and leases to core deposits65.8849%4,614
Total domestic deposits to total assets84.6759%2,956
Equity capital to assets12.4264%1,823
Core capital (leverage) ratio11.4240%2,097
Tier 1 risk-based capital ratio20.6187%1,336
Total risk-based capital ratio21.5457%1,358
Memoranda:
Average total assets$114,964,5004,109
Average earning assets$105,943,2504,103
Average equity$14,586,5003,898
Average total loans$61,230,2504,283
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0094%3,207
Cost of funding earning assets0.2620%4,529
Net interest margin3.7474%2,525
Noninterest income to average assets0.8098%1,673
Noninterest expense to average assets3.1535%1,925
Loan and lease loss provision to assets0.0910%2,327
Net operating income to assets0.7680%3,462
Return on assets (ROA)0.8518%3,209
Pretax return on assets1.1281%3,093
Return on Equity (ROE)6.6667%3,711
Retained earnings to average equity (ytd only)-2.5736%5,585
Net charge-offs to loans0.0599%2,336
Credit loss provision to net charge-offs288.8889%991
Earnings coverage of net charge-offs (x)35.2222%1,256
Efficiency ratio73.9844%2,362
Assets per employee ($millions)2.8638%5,560
Cash dividends to net income (ytd only)*138.6037%246
Condition Ratios (%)
Loss allowance to loans0.9960%4,560
Loan loss allowance to noncurrent loans42.1896%5,006
Noncurrent assets plus other real estate owned to assets1.3522%1,477
Noncurrent loans to loans2.3609%762
Net loans and leases to total assets54.8393%4,426
Net loans and leases to deposits65.2279%4,397
Net loans and leases to core deposits66.5448%4,569
Total domestic deposits to total assets84.0735%3,232
Equity capital to assets12.8519%1,585
Core capital (leverage) ratio11.7939%1,779
Tier 1 risk-based capital ratio20.9069%1,279
Total risk-based capital ratio21.8959%1,302
Memoranda:
Average total assets$114,347,3304,147
Average earning assets$105,351,6704,145
Average equity$14,610,0003,911
Average total loans$60,139,3304,344
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9401%3,430
Cost of funding earning assets0.2660%4,542
Net interest margin3.6741%2,784
Noninterest income to average assets0.8788%1,361
Noninterest expense to average assets3.1616%1,927
Loan and lease loss provision to assets0.0840%2,270
Net operating income to assets0.7878%3,307
Return on assets (ROA)0.7878%3,414
Pretax return on assets1.0189%3,407
Return on Equity (ROE)6.1839%3,886
Retained earnings to average equity (ytd only)-3.0782%5,478
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.1379%2,453
Assets per employee ($millions)2.8776%5,617
Cash dividends to net income (ytd only)*149.7778%382
Condition Ratios (%)
Loss allowance to loans1.0409%4,386
Loan loss allowance to noncurrent loans43.1645%4,994
Noncurrent assets plus other real estate owned to assets1.3223%1,620
Noncurrent loans to loans2.4116%801
Net loans and leases to total assets51.3722%4,693
Net loans and leases to deposits61.5946%4,605
Net loans and leases to core deposits63.0748%4,745
Total domestic deposits to total assets83.4038%3,751
Equity capital to assets12.6710%1,575
Core capital (leverage) ratio11.8741%1,691
Tier 1 risk-based capital ratio21.2864%1,264
Total risk-based capital ratio22.2719%1,290
Memoranda:
Average total assets$114,245,5004,178
Average earning assets$105,277,5004,177
Average equity$14,554,0003,922
Average total loans$58,483,5004,425
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9927%3,336
Cost of funding earning assets0.3124%4,108
Net interest margin3.6803%2,828
Noninterest income to average assets0.8149%1,726
Noninterest expense to average assets3.2909%1,739
Loan and lease loss provision to assets0.0594%3,119
Net operating income to assets0.7601%3,527
Return on assets (ROA)0.8515%3,178
Pretax return on assets0.9642%3,599
Return on Equity (ROE)6.6506%3,709
Retained earnings to average equity (ytd only)-2.5511%5,788
Net charge-offs to loans0.1258%2,121
Credit loss provision to net charge-offs98.5507%2,579
Earnings coverage of net charge-offs (x)15.2609%2,215
Efficiency ratio78.1581%1,942
Assets per employee ($millions)2.8347%5,670
Cash dividends to net income (ytd only)*138.3590%186
Condition Ratios (%)
Loss allowance to loans1.0452%4,346
Loan loss allowance to noncurrent loans44.6602%5,000
Noncurrent assets plus other real estate owned to assets1.7418%1,100
Noncurrent loans to loans2.3404%815
Net loans and leases to total assets49.9312%4,875
Net loans and leases to deposits59.7892%4,791
Net loans and leases to core deposits61.2398%4,913
Total domestic deposits to total assets83.5121%3,665
Equity capital to assets12.8085%1,458
Core capital (leverage) ratio11.8094%1,755
Tier 1 risk-based capital ratio22.3945%1,100
Total risk-based capital ratio23.3820%1,102
Memoranda:
Average total assets$114,498,2004,166
Average earning assets$105,642,4004,153
Average equity$14,660,4003,885
Average total loans$54,846,8004,533
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9844%3,397
Cost of funding earning assets0.3204%4,099
Net interest margin3.6640%2,914
Noninterest income to average assets0.7307%2,106
Noninterest expense to average assets3.2724%1,774
Loan and lease loss provision to assets0.0290%3,659
Net operating income to assets0.7124%3,851
Return on assets (ROA)0.7690%3,679
Pretax return on assets0.8817%4,043
Return on Equity (ROE)6.0065%4,150
Retained earnings to average equity (ytd only)-3.1757%5,946
Net charge-offs to loans0.1376%1,751
Credit loss provision to net charge-offs44.6429%3,108
Earnings coverage of net charge-offs (x)13.0008%2,363
Efficiency ratio79.4640%1,737
Assets per employee ($millions)2.9867%5,562
Cash dividends to net income (ytd only)*152.8709%118
Condition Ratios (%)
Loss allowance to loans0.9954%4,775
Loan loss allowance to noncurrent loans87.2504%3,983
Noncurrent assets plus other real estate owned to assets1.0990%2,154
Noncurrent loans to loans1.1409%2,228
Net loans and leases to total assets47.2863%5,134
Net loans and leases to deposits56.2843%5,103
Net loans and leases to core deposits57.4228%5,227
Total domestic deposits to total assets84.0133%3,417
Equity capital to assets12.1748%1,980
Core capital (leverage) ratio11.6304%1,937
Tier 1 risk-based capital ratio22.5732%1,115
Total risk-based capital ratio23.5160%1,138
Memoranda:
Average total assets$114,776,2504,203
Average earning assets$106,111,7504,179
Average equity$14,694,7503,921
Average total loans$54,255,2504,596
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0232%3,192
Cost of funding earning assets0.3139%4,234
Net interest margin3.7093%2,669
Noninterest income to average assets0.7296%2,095
Noninterest expense to average assets3.3106%1,670
Loan and lease loss provision to assets0.0088%3,936
Net operating income to assets0.7153%3,818
Return on assets (ROA)0.7791%3,594
Pretax return on assets0.9080%3,928
Return on Equity (ROE)5.9818%4,135
Retained earnings to average equity (ytd only)-3.1740%5,930
Net charge-offs to loans0.3263%808
Credit loss provision to net charge-offs5.7471%3,123
Earnings coverage of net charge-offs (x)5.4828%2,919
Efficiency ratio79.7108%1,798
Assets per employee ($millions)2.7670%5,845
Cash dividends to net income (ytd only)*153.0612%182
Condition Ratios (%)
Loss allowance to loans0.9505%5,095
Loan loss allowance to noncurrent loans129.8995%3,103
Noncurrent assets plus other real estate owned to assets0.8956%2,746
Noncurrent loans to loans0.7317%3,284
Net loans and leases to total assets47.4914%5,147
Net loans and leases to deposits56.9993%5,062
Net loans and leases to core deposits57.6014%5,216
Total domestic deposits to total assets83.3192%3,824
Equity capital to assets12.6878%1,558
Core capital (leverage) ratio12.1812%1,546
Tier 1 risk-based capital ratio23.8363%976
Total risk-based capital ratio24.7349%998
Memoranda:
Average total assets$113,212,3304,273
Average earning assets$104,494,6704,258
Average equity$14,744,6703,932
Average total loans$53,320,3304,665
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9981%3,236
Cost of funding earning assets0.3058%4,375
Net interest margin3.6923%2,647
Noninterest income to average assets0.6720%2,297
Noninterest expense to average assets3.2787%1,772
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.7215%3,688
Return on assets (ROA)0.7215%3,822
Pretax return on assets0.8099%4,202
Return on Equity (ROE)5.4692%4,301
Retained earnings to average equity (ytd only)-3.5657%5,835
Net charge-offs to loans0.6290%384
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)2.7590%2,703
Efficiency ratio80.1903%1,879
Assets per employee ($millions)2.8416%5,839
Cash dividends to net income (ytd only)*165.1961%320
Condition Ratios (%)
Loss allowance to loans0.9771%5,140
Loan loss allowance to noncurrent loans142.9363%2,903
Noncurrent assets plus other real estate owned to assets0.9854%2,647
Noncurrent loans to loans0.6836%3,570
Net loans and leases to total assets46.0092%5,199
Net loans and leases to deposits54.5507%5,157
Net loans and leases to core deposits55.1176%5,306
Total domestic deposits to total assets84.3422%3,681
Equity capital to assets13.1434%1,332
Core capital (leverage) ratio12.2588%1,476
Tier 1 risk-based capital ratio25.2900%858
Total risk-based capital ratio26.2357%869
Memoranda:
Average total assets$113,094,5004,308
Average earning assets$104,650,5004,287
Average equity$14,920,0003,927
Average total loans$52,783,0004,708
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0242%3,627
Cost of funding earning assets0.3540%4,211
Net interest margin3.6701%3,128
Noninterest income to average assets0.7346%2,147
Noninterest expense to average assets3.2385%2,103
Loan and lease loss provision to assets0.1187%2,194
Net operating income to assets0.7527%3,622
Return on assets (ROA)0.8473%3,229
Pretax return on assets0.8524%4,064
Return on Equity (ROE)6.6411%3,821
Retained earnings to average equity (ytd only)-3.4318%6,113
Net charge-offs to loans0.6796%551
Credit loss provision to net charge-offs38.1215%3,709
Earnings coverage of net charge-offs (x)2.8122%4,057
Efficiency ratio78.7163%2,102
Assets per employee ($millions)2.8132%5,915
Cash dividends to net income (ytd only)*151.6751%146
Condition Ratios (%)
Loss allowance to loans1.1354%4,364
Loan loss allowance to noncurrent loans78.7122%4,248
Noncurrent assets plus other real estate owned to assets1.2068%2,361
Noncurrent loans to loans1.4425%2,042
Net loans and leases to total assets46.3498%5,299
Net loans and leases to deposits56.0419%5,184
Net loans and leases to core deposits56.6414%5,341
Total domestic deposits to total assets82.7055%4,181
Equity capital to assets13.2422%1,252
Core capital (leverage) ratio12.2982%1,451
Tier 1 risk-based capital ratio23.3797%1,023
Total risk-based capital ratio24.3912%1,039
Memoranda:
Average total assets$116,258,0004,251
Average earning assets$107,053,4004,245
Average equity$14,831,8003,871
Average total loans$53,262,8004,715
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0051%3,737
Cost of funding earning assets0.3609%4,225
Net interest margin3.6441%3,248
Noninterest income to average assets0.7338%2,167
Noninterest expense to average assets3.2072%2,156
Loan and lease loss provision to assets0.1251%2,000
Net operating income to assets0.6994%3,941
Return on assets (ROA)0.7554%3,737
Pretax return on assets0.8157%4,309
Return on Equity (ROE)5.9760%4,250
Retained earnings to average equity (ytd only)-1.3410%6,008
Net charge-offs to loans-0.0949%6,128
Credit loss provision to net charge-offs-289.4737%5,635
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.4581%2,114
Assets per employee ($millions)2.8561%5,905
Cash dividends to net income (ytd only)*122.4396%215
Condition Ratios (%)
Loss allowance to loans1.8428%1,591
Loan loss allowance to noncurrent loans138.7143%2,907
Noncurrent assets plus other real estate owned to assets1.1878%2,583
Noncurrent loans to loans1.3285%2,426
Net loans and leases to total assets45.2719%5,432
Net loans and leases to deposits53.4784%5,422
Net loans and leases to core deposits54.0275%5,562
Total domestic deposits to total assets84.6546%3,477
Equity capital to assets13.1737%1,343
Core capital (leverage) ratio12.2343%1,556
Tier 1 risk-based capital ratio23.7567%1,019
Total risk-based capital ratio25.0896%987
Memoranda:
Average total assets$117,190,7504,278
Average earning assets$107,860,7504,268
Average equity$14,814,5003,891
Average total loans$53,389,7504,756
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9784%3,825
Cost of funding earning assets0.3630%4,284
Net interest margin3.6153%3,298
Noninterest income to average assets0.7548%2,023
Noninterest expense to average assets3.1293%2,397
Loan and lease loss provision to assets0.1862%1,315
Net operating income to assets0.6963%3,860
Return on assets (ROA)0.7633%3,604
Pretax return on assets0.8327%4,150
Return on Equity (ROE)6.1211%4,094
Retained earnings to average equity (ytd only)0.8550%5,402
Net charge-offs to loans-0.3879%6,478
Credit loss provision to net charge-offs-105.7692%5,268
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.7857%2,490
Assets per employee ($millions)2.9164%5,870
Cash dividends to net income (ytd only)*86.0310%770
Condition Ratios (%)
Loss allowance to loans1.9258%1,522
Loan loss allowance to noncurrent loans144.2281%2,806
Noncurrent assets plus other real estate owned to assets1.3510%2,423
Noncurrent loans to loans1.3352%2,576
Net loans and leases to total assets45.2703%5,437
Net loans and leases to deposits53.3876%5,397
Net loans and leases to core deposits53.9223%5,556
Total domestic deposits to total assets84.7956%3,606
Equity capital to assets12.9534%1,396
Core capital (leverage) ratio12.4035%1,443
Tier 1 risk-based capital ratio23.5990%1,031
Total risk-based capital ratio24.8539%1,011
Memoranda:
Average total assets$118,173,3304,284
Average earning assets$108,537,3304,276
Average equity$14,736,0003,906
Average total loans$53,622,6704,757
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9497%3,895
Cost of funding earning assets0.3591%4,445
Net interest margin3.5907%3,289
Noninterest income to average assets0.6928%2,210
Noninterest expense to average assets3.0370%2,740
Loan and lease loss provision to assets0.3027%637
Net operating income to assets0.6054%4,172
Return on assets (ROA)0.7399%3,564
Pretax return on assets0.7937%4,137
Return on Equity (ROE)6.0487%4,002
Retained earnings to average equity (ytd only)3.6292%3,955
Net charge-offs to loans-0.1121%6,164
Credit loss provision to net charge-offs-600.0000%5,219
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.1383%2,777
Assets per employee ($millions)3.1118%5,663
Cash dividends to net income (ytd only)*40.0000%1,993
Condition Ratios (%)
Loss allowance to loans1.7532%2,190
Loan loss allowance to noncurrent loans116.8766%3,235
Noncurrent assets plus other real estate owned to assets1.3275%2,662
Noncurrent loans to loans1.5000%2,541
Net loans and leases to total assets42.8518%5,601
Net loans and leases to deposits50.0462%5,596
Net loans and leases to core deposits50.5222%5,725
Total domestic deposits to total assets85.6246%3,547
Equity capital to assets12.2108%1,739
Core capital (leverage) ratio12.4677%1,399
Tier 1 risk-based capital ratio23.5353%1,074
Total risk-based capital ratio24.7889%1,051
Memoranda:
Average total assets$118,931,5004,301
Average earning assets$109,172,0004,294
Average equity$14,548,5003,940
Average total loans$53,510,0004,807
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0701%3,847
Cost of funding earning assets0.4282%4,335
Net interest margin3.6419%3,276
Noninterest income to average assets0.7877%2,132
Noninterest expense to average assets3.3146%2,106
Loan and lease loss provision to assets0.1048%3,046
Net operating income to assets0.7065%3,767
Return on assets (ROA)0.7169%3,797
Pretax return on assets0.7473%4,354
Return on Equity (ROE)5.8679%4,164
Retained earnings to average equity (ytd only)-12.3005%6,574
Net charge-offs to loans0.5419%1,220
Credit loss provision to net charge-offs41.7857%4,001
Earnings coverage of net charge-offs (x)3.3536%3,878
Efficiency ratio79.7542%2,186
Assets per employee ($millions)2.9126%5,970
Cash dividends to net income (ytd only)*309.6250%32
Condition Ratios (%)
Loss allowance to loans1.5216%3,087
Loan loss allowance to noncurrent loans84.4969%4,042
Noncurrent assets plus other real estate owned to assets1.6274%2,277
Noncurrent loans to loans1.8008%2,233
Net loans and leases to total assets45.7190%5,515
Net loans and leases to deposits53.5069%5,508
Net loans and leases to core deposits54.0373%5,668
Total domestic deposits to total assets85.4450%3,531
Equity capital to assets12.2555%1,648
Core capital (leverage) ratio12.4627%1,379
Tier 1 risk-based capital ratio22.8585%1,119
Total risk-based capital ratio24.1093%1,094
Memoranda:
Average total assets$111,597,4004,466
Average earning assets$103,216,4004,428
Average equity$13,633,6004,137
Average total loans$51,666,2004,904
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0142%4,076
Cost of funding earning assets0.4363%4,432
Net interest margin3.5779%3,545
Noninterest income to average assets0.7973%2,162
Noninterest expense to average assets3.3124%2,048
Loan and lease loss provision to assets0.0628%3,786
Net operating income to assets0.7103%3,805
Return on assets (ROA)0.7091%3,943
Pretax return on assets0.7393%4,542
Return on Equity (ROE)5.8092%4,282
Retained earnings to average equity (ytd only)-17.8334%6,742
Net charge-offs to loans0.1253%3,274
Credit loss provision to net charge-offs108.3333%2,165
Earnings coverage of net charge-offs (x)13.8538%1,988
Efficiency ratio80.4814%2,032
Assets per employee ($millions)3.0415%5,781
Cash dividends to net income (ytd only)*406.9827%18
Condition Ratios (%)
Loss allowance to loans1.8237%2,227
Loan loss allowance to noncurrent loans59.7826%4,830
Noncurrent assets plus other real estate owned to assets1.9171%2,112
Noncurrent loans to loans3.0505%1,308
Net loans and leases to total assets44.9312%5,634
Net loans and leases to deposits51.5156%5,747
Net loans and leases to core deposits51.8802%5,894
Total domestic deposits to total assets87.2185%2,554
Equity capital to assets12.0708%1,873
Core capital (leverage) ratio12.0209%1,660
Tier 1 risk-based capital ratio22.8293%1,175
Total risk-based capital ratio24.0824%1,155
Memoranda:
Average total assets$110,371,0004,527
Average earning assets$102,367,7504,492
Average equity$13,472,5004,221
Average total loans$51,061,0004,969
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0029%4,095
Cost of funding earning assets0.4530%4,401
Net interest margin3.5499%3,563
Noninterest income to average assets0.8028%2,176
Noninterest expense to average assets3.3859%1,856
Loan and lease loss provision to assets0.0966%3,175
Net operating income to assets0.6188%4,202
Return on assets (ROA)0.6170%4,373
Pretax return on assets0.5947%5,033
Return on Equity (ROE)5.0339%4,716
Retained earnings to average equity (ytd only)-26.6249%6,834
Net charge-offs to loans0.1841%2,655
Credit loss provision to net charge-offs113.0435%1,956
Earnings coverage of net charge-offs (x)8.1087%2,455
Efficiency ratio83.0068%1,756
Assets per employee ($millions)3.0795%5,719
Cash dividends to net income (ytd only)*628.9157%10
Condition Ratios (%)
Loss allowance to loans1.9226%2,046
Loan loss allowance to noncurrent loans58.6288%4,852
Noncurrent assets plus other real estate owned to assets2.0816%2,076
Noncurrent loans to loans3.2792%1,337
Net loans and leases to total assets42.1362%5,891
Net loans and leases to deposits48.1810%5,973
Net loans and leases to core deposits48.7501%6,091
Total domestic deposits to total assets87.4539%2,562
Equity capital to assets12.0299%1,899
Core capital (leverage) ratio12.6118%1,314
Tier 1 risk-based capital ratio23.3454%1,085
Total risk-based capital ratio24.6858%1,050
Memoranda:
Average total assets$107,622,3304,624
Average earning assets$99,327,3304,606
Average equity$13,190,6704,301
Average total loans$49,986,0005,022
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0343%3,982
Cost of funding earning assets0.4867%4,216
Net interest margin3.5476%3,487
Noninterest income to average assets0.7536%2,322
Noninterest expense to average assets3.1445%2,529
Loan and lease loss provision to assets0.1775%2,094
Net operating income to assets0.6786%3,787
Return on assets (ROA)0.6786%3,943
Pretax return on assets0.7102%4,536
Return on Equity (ROE)5.4768%4,317
Retained earnings to average equity (ytd only)2.6747%4,683
Net charge-offs to loans0.1301%2,626
Credit loss provision to net charge-offs281.2500%841
Earnings coverage of net charge-offs (x)14.0625%1,481
Efficiency ratio77.9843%2,611
Assets per employee ($millions)2.9929%6,001
Cash dividends to net income (ytd only)*51.1628%1,542
Condition Ratios (%)
Loss allowance to loans2.0868%1,825
Loan loss allowance to noncurrent loans53.0858%5,028
Noncurrent assets plus other real estate owned to assets2.7006%1,678
Noncurrent loans to loans3.9311%1,159
Net loans and leases to total assets46.8007%5,349
Net loans and leases to deposits54.4867%5,396
Net loans and leases to core deposits55.9461%5,525
Total domestic deposits to total assets85.8938%3,587
Equity capital to assets12.3146%1,831
Core capital (leverage) ratio11.9603%1,592
Tier 1 risk-based capital ratio23.2655%1,118
Total risk-based capital ratio24.5247%1,096
Memoranda:
Average total assets$101,383,0004,828
Average earning assets$93,697,5004,805
Average equity$12,562,0004,461
Average total loans$49,180,0005,085
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4150%3,755
Cost of funding earning assets0.6400%4,005
Net interest margin3.7751%3,340
Noninterest income to average assets0.8521%2,030
Noninterest expense to average assets3.1216%2,866
Loan and lease loss provision to assets0.1772%3,410
Net operating income to assets0.8385%3,103
Return on assets (ROA)0.9734%2,678
Pretax return on assets1.1959%2,820
Return on Equity (ROE)8.1318%3,026
Retained earnings to average equity (ytd only)3.9171%3,447
Net charge-offs to loans0.1723%3,999
Credit loss provision to net charge-offs206.7416%1,238
Earnings coverage of net charge-offs (x)14.0787%1,768
Efficiency ratio72.1246%3,394
Assets per employee ($millions)2.8860%6,183
Cash dividends to net income (ytd only)*51.8299%2,230
Condition Ratios (%)
Loss allowance to loans1.9830%2,061
Loan loss allowance to noncurrent loans49.8231%5,141
Noncurrent assets plus other real estate owned to assets2.7988%1,712
Noncurrent loans to loans3.9801%1,184
Net loans and leases to total assets48.2492%5,383
Net loans and leases to deposits56.3025%5,416
Net loans and leases to core deposits58.4582%5,500
Total domestic deposits to total assets85.6963%3,515
Equity capital to assets12.4672%1,734
Core capital (leverage) ratio11.6639%1,757
Tier 1 risk-based capital ratio22.9098%1,124
Total risk-based capital ratio24.1679%1,106
Memoranda:
Average total assets$103,858,6004,739
Average earning assets$95,627,8004,706
Average equity$12,432,6004,473
Average total loans$51,655,8005,032
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4522%3,822
Cost of funding earning assets0.6576%4,126
Net interest margin3.7946%3,360
Noninterest income to average assets0.8479%2,045
Noninterest expense to average assets3.0868%2,923
Loan and lease loss provision to assets0.1964%3,124
Net operating income to assets0.8330%3,292
Return on assets (ROA)1.0073%2,697
Pretax return on assets1.2801%2,667
Return on Equity (ROE)8.4996%3,046
Retained earnings to average equity (ytd only)6.6060%2,327
Net charge-offs to loans0.1049%4,344
Credit loss provision to net charge-offs375.6098%718
Earnings coverage of net charge-offs (x)24.0223%1,293
Efficiency ratio71.0804%3,493
Assets per employee ($millions)3.0173%6,023
Cash dividends to net income (ytd only)*22.2783%2,954
Condition Ratios (%)
Loss allowance to loans1.9658%2,271
Loan loss allowance to noncurrent loans44.0351%5,456
Noncurrent assets plus other real estate owned to assets2.8152%1,867
Noncurrent loans to loans4.4641%1,062
Net loans and leases to total assets47.4125%5,621
Net loans and leases to deposits55.1584%5,705
Net loans and leases to core deposits57.5616%5,760
Total domestic deposits to total assets85.9571%3,279
Equity capital to assets12.0951%2,180
Core capital (leverage) ratio11.3283%2,114
Tier 1 risk-based capital ratio22.5859%1,241
Total risk-based capital ratio23.1867%1,317
Memoranda:
Average total assets$104,571,0004,758
Average earning assets$96,310,0004,731
Average equity$12,392,5004,525
Average total loans$52,139,2505,067
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4828%3,841
Cost of funding earning assets0.6744%4,234
Net interest margin3.8084%3,319
Noninterest income to average assets0.8424%1,994
Noninterest expense to average assets2.9858%3,312
Loan and lease loss provision to assets0.1132%4,114
Net operating income to assets0.9806%2,542
Return on assets (ROA)0.9806%2,785
Pretax return on assets1.2434%2,751
Return on Equity (ROE)8.3322%3,101
Retained earnings to average equity (ytd only)6.8973%2,162
Net charge-offs to loans0.0343%4,900
Credit loss provision to net charge-offs655.5556%487
Earnings coverage of net charge-offs (x)78.5556%519
Efficiency ratio68.7583%3,979
Assets per employee ($millions)3.1547%5,734
Cash dividends to net income (ytd only)*17.2211%3,077
Condition Ratios (%)
Loss allowance to loans1.8077%2,832
Loan loss allowance to noncurrent loans39.5877%5,678
Noncurrent assets plus other real estate owned to assets2.6030%2,130
Noncurrent loans to loans4.5663%1,150
Net loans and leases to total assets47.6547%5,650
Net loans and leases to deposits55.1023%5,756
Net loans and leases to core deposits57.4450%5,820
Total domestic deposits to total assets86.4841%3,082
Equity capital to assets11.7090%2,401
Core capital (leverage) ratio11.2528%2,081
Tier 1 risk-based capital ratio21.8711%1,323
Total risk-based capital ratio22.3267%1,438
Memoranda:
Average total assets$104,226,3304,795
Average earning assets$95,787,6704,774
Average equity$12,265,6704,548
Average total loans$52,494,3305,085
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5347%3,779
Cost of funding earning assets0.6980%4,298
Net interest margin3.8367%3,208
Noninterest income to average assets0.8373%2,003
Noninterest expense to average assets2.9715%3,378
Loan and lease loss provision to assets0.1013%4,070
Net operating income to assets1.0048%2,467
Return on assets (ROA)1.0048%2,654
Pretax return on assets1.2969%2,549
Return on Equity (ROE)8.5156%3,051
Retained earnings to average equity (ytd only)8.5156%1,774
Net charge-offs to loans0.0835%3,667
Credit loss provision to net charge-offs236.3636%1,197
Earnings coverage of net charge-offs (x)32.6364%861
Efficiency ratio68.0036%4,170
Assets per employee ($millions)3.1995%5,774
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.7400%3,193
Loan loss allowance to noncurrent loans53.6095%4,868
Noncurrent assets plus other real estate owned to assets1.9984%2,899
Noncurrent loans to loans3.2456%1,975
Net loans and leases to total assets48.4590%5,498
Net loans and leases to deposits55.8858%5,617
Net loans and leases to core deposits58.0954%5,706
Total domestic deposits to total assets86.7108%3,112
Equity capital to assets11.5692%2,372
Core capital (leverage) ratio11.4014%1,961
Tier 1 risk-based capital ratio21.5777%1,367
Total risk-based capital ratio21.9694%1,511
Memoranda:
Average total assets$102,710,0004,873
Average earning assets$94,560,5004,833
Average equity$12,119,0004,587
Average total loans$52,714,0005,118
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8002%3,809
Cost of funding earning assets0.8762%4,283
Net interest margin3.9241%3,230
Noninterest income to average assets0.9304%1,567
Noninterest expense to average assets3.1542%3,013
Loan and lease loss provision to assets0.1647%4,570
Net operating income to assets0.9207%2,521
Return on assets (ROA)1.0382%2,203
Pretax return on assets1.3839%1,827
Return on Equity (ROE)9.0086%2,438
Retained earnings to average equity (ytd only)9.0086%798
Net charge-offs to loans0.0625%5,673
Credit loss provision to net charge-offs490.9091%465
Earnings coverage of net charge-offs (x)41.4848%651
Efficiency ratio69.3805%4,073
Assets per employee ($millions)3.0254%6,030
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.8067%2,848
Loan loss allowance to noncurrent loans52.0518%4,913
Noncurrent assets plus other real estate owned to assets2.0353%2,912
Noncurrent loans to loans3.4709%1,846
Net loans and leases to total assets52.4790%5,237
Net loans and leases to deposits61.2187%5,345
Net loans and leases to core deposits63.8111%5,484
Total domestic deposits to total assets85.7239%3,474
Equity capital to assets12.0425%2,089
Core capital (leverage) ratio11.4596%1,925
Tier 1 risk-based capital ratio21.0362%1,399
Total risk-based capital ratio21.5288%1,552
Memoranda:
Average total assets$98,343,8004,938
Average earning assets$90,620,4004,910
Average equity$11,333,6004,703
Average total loans$52,764,8005,164
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8351%3,858
Cost of funding earning assets0.8979%4,414
Net interest margin3.9372%3,198
Noninterest income to average assets0.9186%1,584
Noninterest expense to average assets3.1750%2,903
Loan and lease loss provision to assets0.1456%4,620
Net operating income to assets0.9331%2,604
Return on assets (ROA)0.9962%2,488
Pretax return on assets1.3092%2,258
Return on Equity (ROE)8.7444%2,711
Retained earnings to average equity (ytd only)8.7444%1,235
Net charge-offs to loans-0.0532%7,059
Credit loss provision to net charge-offs-509.5238%6,676
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8294%3,981
Assets per employee ($millions)3.0357%6,040
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.7745%3,027
Loan loss allowance to noncurrent loans54.1315%4,756
Noncurrent assets plus other real estate owned to assets1.9555%3,202
Noncurrent loans to loans3.2781%2,109
Net loans and leases to total assets53.2118%5,289
Net loans and leases to deposits61.9352%5,410
Net loans and leases to core deposits64.5410%5,560
Total domestic deposits to total assets85.9152%3,260
Equity capital to assets11.8228%2,397
Core capital (leverage) ratio11.1565%2,277
Tier 1 risk-based capital ratio20.2811%1,625
Total risk-based capital ratio20.7520%1,784
Memoranda:
Average total assets$97,970,2504,981
Average earning assets$90,282,0004,946
Average equity$11,161,2504,767
Average total loans$52,616,5005,208
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8096%4,064
Cost of funding earning assets0.9195%4,525
Net interest margin3.8901%3,368
Noninterest income to average assets0.8577%1,779
Noninterest expense to average assets3.2149%2,846
Loan and lease loss provision to assets0.1378%4,580
Net operating income to assets0.8642%2,803
Return on assets (ROA)0.9194%2,654
Pretax return on assets1.1601%2,638
Return on Equity (ROE)8.1766%2,864
Retained earnings to average equity (ytd only)8.1766%1,395
Net charge-offs to loans-0.0730%7,102
Credit loss provision to net charge-offs-352.6316%6,458
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.3611%3,660
Assets per employee ($millions)2.9002%6,301
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.7297%3,225
Loan loss allowance to noncurrent loans96.3389%2,991
Noncurrent assets plus other real estate owned to assets1.2038%4,485
Noncurrent loans to loans1.7954%3,762
Net loans and leases to total assets53.0636%5,424
Net loans and leases to deposits61.5588%5,554
Net loans and leases to core deposits64.7362%5,637
Total domestic deposits to total assets86.1999%3,218
Equity capital to assets11.5599%2,450
Core capital (leverage) ratio11.0886%2,181
Tier 1 risk-based capital ratio20.0873%1,595
Total risk-based capital ratio20.5108%1,737
Memoranda:
Average total assets$97,234,0005,041
Average earning assets$89,612,3305,009
Average equity$10,933,6704,816
Average total loans$52,065,3305,278
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7389%4,336
Cost of funding earning assets0.9388%4,656
Net interest margin3.8001%3,616
Noninterest income to average assets0.7955%2,052
Noninterest expense to average assets3.2150%2,846
Loan and lease loss provision to assets0.0621%5,214
Net operating income to assets0.8203%2,927
Return on assets (ROA)0.8203%2,983
Pretax return on assets1.0233%3,049
Return on Equity (ROE)7.4012%3,199
Retained earnings to average equity (ytd only)7.4012%1,988
Net charge-offs to loans0.0078%5,001
Credit loss provision to net charge-offs1,500.0000%253
Earnings coverage of net charge-offs (x)262.0000%117
Efficiency ratio74.7592%3,377
Assets per employee ($millions)2.9342%6,272
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.6785%3,417
Loan loss allowance to noncurrent loans54.7742%4,717
Noncurrent assets plus other real estate owned to assets1.8484%3,495
Noncurrent loans to loans3.0645%2,451
Net loans and leases to total assets49.8486%5,866
Net loans and leases to deposits57.7375%5,950
Net loans and leases to core deposits60.5280%6,054
Total domestic deposits to total assets86.3368%3,318
Equity capital to assets10.8095%2,869
Core capital (leverage) ratio11.0937%2,118
Tier 1 risk-based capital ratio20.1638%1,554
Total risk-based capital ratio20.4971%1,711
Memoranda:
Average total assets$96,547,0005,089
Average earning assets$89,050,5005,055
Average equity$10,701,0004,869
Average total loans$51,475,0005,346
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3892%2,725
Cost of funding earning assets1.1870%4,640
Net interest margin4.2023%2,176
Noninterest income to average assets0.9807%1,568
Noninterest expense to average assets3.5728%1,992
Loan and lease loss provision to assets0.2554%4,745
Net operating income to assets0.8524%2,578
Return on assets (ROA)0.8524%2,717
Pretax return on assets0.9877%2,970
Return on Equity (ROE)7.0623%3,084
Retained earnings to average equity (ytd only)7.0623%1,294
Net charge-offs to loans1.0770%2,061
Credit loss provision to net charge-offs39.8182%6,390
Earnings coverage of net charge-offs (x)1.9382%4,273
Efficiency ratio74.1889%3,359
Assets per employee ($millions)2.6666%6,741
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.5944%3,593
Loan loss allowance to noncurrent loans68.4426%3,984
Noncurrent assets plus other real estate owned to assets1.6222%3,882
Noncurrent loans to loans2.3296%3,191
Net loans and leases to total assets55.2180%5,453
Net loans and leases to deposits64.4357%5,577
Net loans and leases to core deposits67.4392%5,723
Total domestic deposits to total assets85.6948%3,498
Equity capital to assets11.3768%2,356
Core capital (leverage) ratio11.6026%1,779
Tier 1 risk-based capital ratio19.8238%1,519
Total risk-based capital ratio20.1332%1,719
Memoranda:
Average total assets$85,758,2005,415
Average earning assets$78,267,0005,403
Average equity$10,350,8005,023
Average total loans$51,069,4005,443
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4905%2,463
Cost of funding earning assets1.2374%4,643
Net interest margin4.2531%2,019
Noninterest income to average assets0.9507%1,619
Noninterest expense to average assets3.6311%1,712
Loan and lease loss provision to assets0.2893%4,263
Net operating income to assets0.7758%3,107
Return on assets (ROA)0.7758%3,262
Pretax return on assets0.9046%3,535
Return on Equity (ROE)6.3268%3,668
Retained earnings to average equity (ytd only)6.3268%2,189
Net charge-offs to loans1.3689%1,481
Credit loss provision to net charge-offs34.9328%6,094
Earnings coverage of net charge-offs (x)1.4415%4,645
Efficiency ratio75.2554%3,092
Assets per employee ($millions)2.5037%7,080
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.5533%3,721
Loan loss allowance to noncurrent loans81.2377%3,337
Noncurrent assets plus other real estate owned to assets1.3021%4,540
Noncurrent loans to loans1.9120%3,789
Net loans and leases to total assets59.8147%4,949
Net loans and leases to deposits69.0762%5,264
Net loans and leases to core deposits71.4929%5,573
Total domestic deposits to total assets86.5923%2,763
Equity capital to assets12.2905%1,979
Core capital (leverage) ratio11.8148%1,756
Tier 1 risk-based capital ratio19.4934%1,645
Total risk-based capital ratio19.7972%1,827
Memoranda:
Average total assets$83,865,2505,541
Average earning assets$76,396,5005,536
Average equity$10,284,0005,110
Average total loans$50,744,2505,539
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5052%2,495
Cost of funding earning assets1.2758%4,678
Net interest margin4.2294%2,055
Noninterest income to average assets0.8449%1,901
Noninterest expense to average assets3.6678%1,628
Loan and lease loss provision to assets0.1816%5,050
Net operating income to assets0.7408%3,232
Return on assets (ROA)0.7408%3,381
Pretax return on assets0.8401%3,741
Return on Equity (ROE)6.0462%3,786
Retained earnings to average equity (ytd only)6.0462%2,312
Net charge-offs to loans0.5770%2,806
Credit loss provision to net charge-offs52.0833%5,370
Earnings coverage of net charge-offs (x)2.9306%3,530
Efficiency ratio78.2137%2,692
Assets per employee ($millions)2.4594%7,151
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.0842%1,996
Loan loss allowance to noncurrent loans69.4744%3,871
Noncurrent assets plus other real estate owned to assets1.9744%3,524
Noncurrent loans to loans2.9999%2,677
Net loans and leases to total assets61.6336%4,755
Net loans and leases to deposits72.8329%4,865
Net loans and leases to core deposits75.0124%5,318
Total domestic deposits to total assets84.6233%3,809
Equity capital to assets12.4432%1,832
Core capital (leverage) ratio12.1782%1,557
Tier 1 risk-based capital ratio19.7088%1,561
Total risk-based capital ratio20.5863%1,608
Memoranda:
Average total assets$82,610,6705,605
Average earning assets$75,092,6705,600
Average equity$10,122,0005,165
Average total loans$49,911,6705,609
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4426%2,856
Cost of funding earning assets1.2907%4,868
Net interest margin4.1518%2,223
Noninterest income to average assets0.7113%2,524
Noninterest expense to average assets3.6392%1,642
Loan and lease loss provision to assets0.1462%5,087
Net operating income to assets0.6626%3,603
Return on assets (ROA)0.6626%3,717
Pretax return on assets0.6869%4,281
Return on Equity (ROE)5.4506%4,129
Retained earnings to average equity (ytd only)5.4506%2,901
Net charge-offs to loans0.6838%2,124
Credit loss provision to net charge-offs36.1446%4,715
Earnings coverage of net charge-offs (x)2.0602%3,512
Efficiency ratio81.3725%2,367
Assets per employee ($millions)2.4768%7,228
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.2940%1,585
Loan loss allowance to noncurrent loans86.2791%3,178
Noncurrent assets plus other real estate owned to assets1.7325%3,877
Noncurrent loans to loans2.6588%3,015
Net loans and leases to total assets57.9998%5,437
Net loans and leases to deposits68.6045%5,522
Net loans and leases to core deposits70.5033%5,873
Total domestic deposits to total assets84.5424%3,877
Equity capital to assets12.3524%1,840
Core capital (leverage) ratio12.0905%1,602
Tier 1 risk-based capital ratio20.5689%1,413
Total risk-based capital ratio21.6125%1,419
Memoranda:
Average total assets$82,106,0005,700
Average earning assets$74,376,5005,692
Average equity$9,980,5005,241
Average total loans$48,550,0005,732
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6423%3,386
Cost of funding earning assets1.5204%5,437
Net interest margin4.1219%2,358
Noninterest income to average assets0.9064%1,920
Noninterest expense to average assets3.7692%1,756
Loan and lease loss provision to assets0.4617%4,062
Net operating income to assets0.4113%4,084
Return on assets (ROA)0.5933%3,437
Pretax return on assets0.6116%3,874
Return on Equity (ROE)4.9547%3,688
Retained earnings to average equity (ytd only)4.9547%1,843
Net charge-offs to loans0.8940%2,607
Credit loss provision to net charge-offs89.8104%6,002
Earnings coverage of net charge-offs (x)1.7227%4,444
Efficiency ratio80.9736%2,753
Assets per employee ($millions)2.2911%7,481
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.4001%1,347
Loan loss allowance to noncurrent loans76.7105%3,568
Noncurrent assets plus other real estate owned to assets2.1121%3,254
Noncurrent loans to loans3.1287%2,447
Net loans and leases to total assets57.4886%5,741
Net loans and leases to deposits67.5499%5,884
Net loans and leases to core deposits77.0553%6,332
Total domestic deposits to total assets85.1053%3,505
Equity capital to assets11.9606%2,054
Core capital (leverage) ratio11.6055%1,863
Tier 1 risk-based capital ratio20.2598%1,411
Total risk-based capital ratio21.4117%1,394
Memoranda:
Average total assets$82,085,8005,665
Average earning assets$74,649,8005,646
Average equity$9,829,0005,344
Average total loans$47,203,6005,796
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6907%3,390
Cost of funding earning assets1.5655%5,568
Net interest margin4.1252%2,304
Noninterest income to average assets0.9058%1,962
Noninterest expense to average assets3.6021%2,022
Loan and lease loss provision to assets0.0797%6,568
Net operating income to assets0.8025%2,807
Return on assets (ROA)0.9026%2,482
Pretax return on assets1.1042%2,546
Return on Equity (ROE)7.5354%2,850
Retained earnings to average equity (ytd only)7.5354%1,302
Net charge-offs to loans1.2463%1,638
Credit loss provision to net charge-offs11.1872%6,613
Earnings coverage of net charge-offs (x)1.4908%4,671
Efficiency ratio77.2315%3,280
Assets per employee ($millions)2.3652%7,425
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.7429%2,462
Loan loss allowance to noncurrent loans55.5932%4,631
Noncurrent assets plus other real estate owned to assets2.0500%3,283
Noncurrent loans to loans3.1352%2,410
Net loans and leases to total assets55.8418%6,160
Net loans and leases to deposits66.7914%6,229
Net loans and leases to core deposits76.3767%6,586
Total domestic deposits to total assets83.6063%3,903
Equity capital to assets12.2478%2,097
Core capital (leverage) ratio11.8010%1,902
Tier 1 risk-based capital ratio20.6501%1,430
Total risk-based capital ratio21.9063%1,382
Memoranda:
Average total assets$81,987,5005,691
Average earning assets$74,693,0005,684
Average equity$9,820,0005,392
Average total loans$46,859,0005,855
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7166%3,449
Cost of funding earning assets1.6088%5,710
Net interest margin4.1078%2,296
Noninterest income to average assets0.9814%1,658
Noninterest expense to average assets3.4507%2,490
Loan and lease loss provision to assets0.0710%6,486
Net operating income to assets0.9618%2,238
Return on assets (ROA)0.9618%2,339
Pretax return on assets1.2090%2,273
Return on Equity (ROE)8.0917%2,732
Retained earnings to average equity (ytd only)8.0917%1,180
Net charge-offs to loans0.6881%2,328
Credit loss provision to net charge-offs18.0124%6,145
Earnings coverage of net charge-offs (x)3.2484%3,517
Efficiency ratio72.9436%4,210
Assets per employee ($millions)2.5218%7,209
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.3392%1,059
Loan loss allowance to noncurrent loans79.6598%3,528
Noncurrent assets plus other real estate owned to assets1.7135%3,615
Noncurrent loans to loans2.9365%2,450
Net loans and leases to total assets54.0296%6,450
Net loans and leases to deposits64.5015%6,519
Net loans and leases to core deposits73.7949%6,806
Total domestic deposits to total assets83.7649%3,890
Equity capital to assets11.7687%2,344
Core capital (leverage) ratio11.6362%2,017
Tier 1 risk-based capital ratio20.5509%1,474
Total risk-based capital ratio21.8136%1,433
Memoranda:
Average total assets$81,722,6705,738
Average earning assets$74,590,0005,723
Average equity$9,713,6705,452
Average total loans$46,796,3305,899
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8047%3,273
Cost of funding earning assets1.6616%5,770
Net interest margin4.1431%2,111
Noninterest income to average assets0.8941%1,878
Noninterest expense to average assets3.3492%2,500
Loan and lease loss provision to assets0.0790%5,962
Net operating income to assets0.9880%2,364
Return on assets (ROA)0.9880%2,497
Pretax return on assets1.2597%2,414
Return on Equity (ROE)8.2700%3,028
Retained earnings to average equity (ytd only)8.2700%1,718
Net charge-offs to loans1.3567%1,043
Credit loss provision to net charge-offs10.0000%5,201
Earnings coverage of net charge-offs (x)1.6938%3,881
Efficiency ratio71.4436%4,279
Assets per employee ($millions)2.4281%7,411
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.2591%1,001
Loan loss allowance to noncurrent loans79.2411%3,705
Noncurrent assets plus other real estate owned to assets1.7576%3,288
Noncurrent loans to loans2.8509%2,294
Net loans and leases to total assets55.8149%6,264
Net loans and leases to deposits67.1848%6,252
Net loans and leases to core deposits76.7736%6,625
Total domestic deposits to total assets83.0767%4,106
Equity capital to assets11.8818%2,338
Core capital (leverage) ratio11.5579%2,109
Tier 1 risk-based capital ratio19.8889%1,642
Total risk-based capital ratio21.1503%1,595
Memoranda:
Average total assets$80,973,5005,783
Average earning assets$74,147,0005,763
Average equity$9,673,5005,486
Average total loans$47,174,0005,907
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3306%3,788
Cost of funding earning assets2.2411%5,415
Net interest margin4.0895%2,760
Noninterest income to average assets0.6768%3,279
Noninterest expense to average assets3.5388%2,294
Loan and lease loss provision to assets0.8077%1,838
Net operating income to assets0.2315%5,750
Return on assets (ROA)0.2503%5,519
Pretax return on assets0.0704%6,009
Return on Equity (ROE)2.1128%5,573
Retained earnings to average equity (ytd only)0.2017%5,111
Net charge-offs to loans0.4171%2,734
Credit loss provision to net charge-offs327.5510%1,382
Earnings coverage of net charge-offs (x)3.4847%4,346
Efficiency ratio80.4634%2,534
Assets per employee ($millions)2.2683%7,609
Cash dividends to net income (ytd only)*90.4523%1,273
Condition Ratios (%)
Loss allowance to loans2.5612%644
Loan loss allowance to noncurrent loans74.7219%4,345
Noncurrent assets plus other real estate owned to assets2.4990%1,942
Noncurrent loans to loans3.4276%1,497
Net loans and leases to total assets57.9353%6,203
Net loans and leases to deposits69.7861%6,293
Net loans and leases to core deposits81.0845%6,530
Total domestic deposits to total assets83.0184%3,766
Equity capital to assets12.0138%2,283
Core capital (leverage) ratio11.6523%2,155
Tier 1 risk-based capital ratio19.5757%1,690
Total risk-based capital ratio20.8418%1,642
Memoranda:
Average total assets$79,489,4005,720
Average earning assets$72,331,4005,729
Average equity$9,418,6005,600
Average total loans$46,990,2005,824