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National Bank of St. Anne, 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 assets6.0640%1,098
Cost of funding earning assets1.5021%3,186
Net interest margin4.5618%566
Noninterest income to average assets0.5000%1,747
Noninterest expense to average assets3.3380%723
Loan and lease loss provision to assets0.1600%793
Net operating income to assets0.8338%2,756
Return on assets (ROA)0.8338%2,758
Pretax return on assets1.1601%2,331
Return on Equity (ROE)8.5700%2,716
Retained earnings to average equity (ytd only)5.5198%2,420
Net charge-offs to loans0.1875%556
Credit loss provision to net charge-offs106.1224%1,226
Earnings coverage of net charge-offs (x)9.0816%1,741
Efficiency ratio71.6561%1,652
Assets per employee ($millions)4.6210%3,869
Cash dividends to net income (ytd only)*35.5872%1,605
Condition Ratios (%)
Loss allowance to loans1.0169%3,128
Loan loss allowance to noncurrent loans109.2308%2,829
Noncurrent assets plus other real estate owned to assets0.7276%1,042
Noncurrent loans to loans0.9310%1,151
Net loans and leases to total assets77.3500%906
Net loans and leases to deposits86.9092%1,415
Net loans and leases to core deposits90.6445%2,007
Total domestic deposits to total assets89.0000%1,183
Equity capital to assets9.8776%2,302
Core capital (leverage) ratio8.7018%3,964
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.5137%2,614
Memoranda:
Average total assets$134,810,5003,503
Average earning assets$122,758,0003,521
Average equity$13,116,5003,519
Average total loans$104,507,5003,174
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9450%1,366
Cost of funding earning assets1.7341%2,885
Net interest margin4.2109%926
Noninterest income to average assets0.8100%904
Noninterest expense to average assets3.6054%513
Loan and lease loss provision to assets0.0600%2,000
Net operating income to assets0.7203%2,918
Return on assets (ROA)0.7203%2,939
Pretax return on assets0.9777%2,586
Return on Equity (ROE)7.5000%2,898
Retained earnings to average equity (ytd only)1.6583%3,493
Net charge-offs to loans0.0463%1,699
Credit loss provision to net charge-offs187.2340%1,198
Earnings coverage of net charge-offs (x)29.4043%1,546
Efficiency ratio77.7169%1,232
Assets per employee ($millions)4.8433%3,749
Cash dividends to net income (ytd only)*77.8816%614
Condition Ratios (%)
Loss allowance to loans1.0183%3,122
Loan loss allowance to noncurrent loans36.6333%3,624
Noncurrent assets plus other real estate owned to assets2.1377%173
Noncurrent loans to loans2.7798%227
Net loans and leases to total assets76.1200%1,128
Net loans and leases to deposits85.6506%1,626
Net loans and leases to core deposits88.7264%2,209
Total domestic deposits to total assets88.8700%1,205
Equity capital to assets9.5833%2,394
Core capital (leverage) ratio8.6481%3,988
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.2596%2,697
Memoranda:
Average total assets$133,687,8003,503
Average earning assets$121,564,6003,513
Average equity$12,844,8003,534
Average total loans$101,418,2003,201
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8068%1,454
Cost of funding earning assets1.6371%2,999
Net interest margin4.1697%930
Noninterest income to average assets0.5400%1,684
Noninterest expense to average assets3.2056%820
Loan and lease loss provision to assets0.0600%1,720
Net operating income to assets0.7705%2,721
Return on assets (ROA)0.7705%2,739
Pretax return on assets1.0610%2,308
Return on Equity (ROE)8.0800%2,712
Retained earnings to average equity (ytd only)4.1365%2,670
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio74.0870%1,637
Assets per employee ($millions)4.7559%3,772
Cash dividends to net income (ytd only)*48.8281%1,499
Condition Ratios (%)
Loss allowance to loans1.0357%3,086
Loan loss allowance to noncurrent loans118.6801%2,925
Noncurrent assets plus other real estate owned to assets0.6713%1,005
Noncurrent loans to loans0.8727%1,080
Net loans and leases to total assets76.1300%1,161
Net loans and leases to deposits92.6641%1,065
Net loans and leases to core deposits94.6875%1,820
Total domestic deposits to total assets82.1600%3,051
Equity capital to assets9.6676%2,289
Core capital (leverage) ratio8.9013%3,808
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.5602%2,679
Memoranda:
Average total assets$132,893,6673,521
Average earning assets$120,823,6673,531
Average equity$12,667,6673,537
Average total loans$99,671,3333,218
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6493%1,542
Cost of funding earning assets1.5994%2,984
Net interest margin4.0499%1,023
Noninterest income to average assets0.5500%1,555
Noninterest expense to average assets3.2541%767
Loan and lease loss provision to assets0.0500%1,722
Net operating income to assets0.6568%2,989
Return on assets (ROA)0.6568%3,017
Pretax return on assets0.9280%2,594
Return on Equity (ROE)6.9400%2,976
Retained earnings to average equity (ytd only)-1.0187%3,850
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio76.9231%1,457
Assets per employee ($millions)4.6402%3,868
Cash dividends to net income (ytd only)*114.6789%432
Condition Ratios (%)
Loss allowance to loans1.0660%2,974
Loan loss allowance to noncurrent loans130.2764%2,888
Noncurrent assets plus other real estate owned to assets0.6127%1,049
Noncurrent loans to loans0.8182%1,076
Net loans and leases to total assets74.0800%1,322
Net loans and leases to deposits87.3898%1,416
Net loans and leases to core deposits90.0487%2,043
Total domestic deposits to total assets84.7700%2,484
Equity capital to assets9.6502%2,227
Core capital (leverage) ratio8.6289%3,998
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7740%2,650
Memoranda:
Average total assets$132,757,5003,536
Average earning assets$120,794,5003,547
Average equity$12,564,5003,550
Average total loans$98,286,0003,239
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1695%1,722
Cost of funding earning assets0.9754%3,359
Net interest margin4.1941%943
Noninterest income to average assets0.5100%1,936
Noninterest expense to average assets3.1768%849
Loan and lease loss provision to assets0.0500%2,105
Net operating income to assets0.7828%2,925
Return on assets (ROA)0.7828%2,906
Pretax return on assets1.1170%2,361
Return on Equity (ROE)8.1800%2,976
Retained earnings to average equity (ytd only)4.1392%2,908
Net charge-offs to loans0.0000%2,917
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio73.1434%1,541
Assets per employee ($millions)4.6755%3,842
Cash dividends to net income (ytd only)*49.4071%1,651
Condition Ratios (%)
Loss allowance to loans1.0283%3,172
Loan loss allowance to noncurrent loans168.7603%2,710
Noncurrent assets plus other real estate owned to assets0.4462%1,244
Noncurrent loans to loans0.6093%1,294
Net loans and leases to total assets72.4800%1,528
Net loans and leases to deposits92.5024%1,051
Net loans and leases to core deposits96.3280%1,639
Total domestic deposits to total assets78.3500%3,687
Equity capital to assets9.2861%2,492
Core capital (leverage) ratio8.6214%4,022
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7255%2,651
Memoranda:
Average total assets$129,279,6003,556
Average earning assets$118,308,6003,562
Average equity$12,369,6003,492
Average total loans$91,825,0003,265
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0276%1,778
Cost of funding earning assets0.7942%3,532
Net interest margin4.2334%881
Noninterest income to average assets0.5200%1,861
Noninterest expense to average assets3.1562%864
Loan and lease loss provision to assets0.0500%1,947
Net operating income to assets0.8561%2,841
Return on assets (ROA)0.8561%2,823
Pretax return on assets1.1892%2,326
Return on Equity (ROE)8.8800%2,960
Retained earnings to average equity (ytd only)6.7129%2,391
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio71.7711%1,595
Assets per employee ($millions)4.3996%4,004
Cash dividends to net income (ytd only)*24.3902%2,284
Condition Ratios (%)
Loss allowance to loans1.0794%2,969
Loan loss allowance to noncurrent loans279.8343%2,086
Noncurrent assets plus other real estate owned to assets0.2837%1,868
Noncurrent loans to loans0.3857%1,861
Net loans and leases to total assets72.7600%1,493
Net loans and leases to deposits94.2307%877
Net loans and leases to core deposits97.6348%1,466
Total domestic deposits to total assets77.2200%3,903
Equity capital to assets9.8270%1,924
Core capital (leverage) ratio9.0944%3,685
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3802%2,485
Memoranda:
Average total assets$127,702,0003,589
Average earning assets$116,845,7503,589
Average equity$12,314,2503,499
Average total loans$89,958,7503,291
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8836%1,802
Cost of funding earning assets0.7113%3,452
Net interest margin4.1723%968
Noninterest income to average assets0.5200%1,794
Noninterest expense to average assets3.0750%930
Loan and lease loss provision to assets0.0600%1,720
Net operating income to assets0.8924%2,783
Return on assets (ROA)0.8924%2,768
Pretax return on assets1.2228%2,306
Return on Equity (ROE)9.3100%2,887
Retained earnings to average equity (ytd only)7.6799%2,073
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio70.6221%1,707
Assets per employee ($millions)4.3240%4,045
Cash dividends to net income (ytd only)*17.5439%2,524
Condition Ratios (%)
Loss allowance to loans1.1169%2,869
Loan loss allowance to noncurrent loans446.6667%1,677
Noncurrent assets plus other real estate owned to assets0.1794%2,300
Noncurrent loans to loans0.2501%2,265
Net loans and leases to total assets70.9600%1,638
Net loans and leases to deposits89.3882%1,231
Net loans and leases to core deposits90.2239%1,785
Total domestic deposits to total assets79.3800%3,671
Equity capital to assets9.9055%1,914
Core capital (leverage) ratio8.9242%3,838
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9193%2,323
Memoranda:
Average total assets$127,740,3333,596
Average earning assets$117,249,6673,600
Average equity$12,239,6673,518
Average total loans$88,661,3333,311
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6995%1,852
Cost of funding earning assets0.5996%3,387
Net interest margin4.0998%1,097
Noninterest income to average assets0.4700%1,975
Noninterest expense to average assets3.0005%1,059
Loan and lease loss provision to assets0.0700%1,437
Net operating income to assets0.8502%3,020
Return on assets (ROA)0.8502%2,970
Pretax return on assets1.1760%2,491
Return on Equity (ROE)9.0200%3,045
Retained earnings to average equity (ytd only)9.0213%1,946
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio70.5839%1,693
Assets per employee ($millions)4.8446%3,768
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.1454%2,834
Loan loss allowance to noncurrent loans325.0814%2,115
Noncurrent assets plus other real estate owned to assets0.2347%1,942
Noncurrent loans to loans0.3523%1,881
Net loans and leases to total assets65.8500%2,072
Net loans and leases to deposits80.8709%1,759
Net loans and leases to core deposits81.2685%2,163
Total domestic deposits to total assets81.4300%3,566
Equity capital to assets9.4531%2,181
Core capital (leverage) ratio8.5262%4,131
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0495%2,371
Memoranda:
Average total assets$128,913,0003,629
Average earning assets$118,736,5003,624
Average equity$12,149,0003,558
Average total loans$88,001,0003,354
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0837%1,509
Cost of funding earning assets0.2930%2,936
Net interest margin3.7907%1,177
Noninterest income to average assets0.5000%2,092
Noninterest expense to average assets2.8684%1,179
Loan and lease loss provision to assets0.0200%2,518
Net operating income to assets0.7976%3,338
Return on assets (ROA)0.7976%3,262
Pretax return on assets1.0871%2,813
Return on Equity (ROE)8.4400%3,265
Retained earnings to average equity (ytd only)2.3864%3,892
Net charge-offs to loans0.0000%2,620
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio71.6809%1,476
Assets per employee ($millions)4.7046%3,891
Cash dividends to net income (ytd only)*71.7112%615
Condition Ratios (%)
Loss allowance to loans1.1095%2,854
Loan loss allowance to noncurrent loans253.4704%2,394
Noncurrent assets plus other real estate owned to assets0.3062%1,629
Noncurrent loans to loans0.4377%1,610
Net loans and leases to total assets69.1900%1,712
Net loans and leases to deposits87.1217%1,238
Net loans and leases to core deposits87.4424%1,655
Total domestic deposits to total assets79.4100%3,953
Equity capital to assets9.3944%2,080
Core capital (leverage) ratio8.4914%4,131
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5773%2,538
Memoranda:
Average total assets$126,762,6003,667
Average earning assets$116,364,0003,666
Average equity$11,984,8003,670
Average total loans$84,098,8003,355
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9247%1,424
Cost of funding earning assets0.2489%2,722
Net interest margin3.6758%1,205
Noninterest income to average assets0.5000%2,161
Noninterest expense to average assets2.8224%1,203
Loan and lease loss provision to assets0.0100%2,534
Net operating income to assets0.7430%3,442
Return on assets (ROA)0.7430%3,391
Pretax return on assets1.0429%2,892
Return on Equity (ROE)7.8500%3,371
Retained earnings to average equity (ytd only)2.0114%4,028
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio72.1694%1,491
Assets per employee ($millions)5.1425%3,553
Cash dividends to net income (ytd only)*74.3626%517
Condition Ratios (%)
Loss allowance to loans1.1323%2,872
Loan loss allowance to noncurrent loans137.7305%3,102
Noncurrent assets plus other real estate owned to assets0.5484%977
Noncurrent loans to loans0.8221%966
Net loans and leases to total assets65.9500%1,896
Net loans and leases to deposits82.8759%1,372
Net loans and leases to core deposits83.8073%1,665
Total domestic deposits to total assets79.5800%4,136
Equity capital to assets9.1940%2,092
Core capital (leverage) ratio8.3261%4,208
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8975%2,517
Memoranda:
Average total assets$126,697,5003,695
Average earning assets$116,252,2503,696
Average equity$11,997,7503,709
Average total loans$82,906,0003,380
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7616%1,393
Cost of funding earning assets0.2441%2,341
Net interest margin3.5175%1,269
Noninterest income to average assets0.5013%2,198
Noninterest expense to average assets2.8047%1,168
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.6425%3,498
Return on assets (ROA)0.6425%3,447
Pretax return on assets0.9201%2,994
Return on Equity (ROE)6.7181%3,384
Retained earnings to average equity (ytd only)1.3270%3,920
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.2760%1,479
Assets per employee ($millions)5.0476%3,635
Cash dividends to net income (ytd only)*80.2469%596
Condition Ratios (%)
Loss allowance to loans1.1419%2,970
Loan loss allowance to noncurrent loans111.4983%3,303
Noncurrent assets plus other real estate owned to assets0.6823%801
Noncurrent loans to loans1.0242%817
Net loans and leases to total assets65.8594%1,712
Net loans and leases to deposits75.2967%1,739
Net loans and leases to core deposits76.2550%1,989
Total domestic deposits to total assets87.4665%2,778
Equity capital to assets9.3851%2,105
Core capital (leverage) ratio8.3367%4,083
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7893%2,573
Memoranda:
Average total assets$126,076,0003,740
Average earning assets$115,537,0003,755
Average equity$12,057,0003,780
Average total loans$81,955,3333,427
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6423%1,398
Cost of funding earning assets0.2389%2,278
Net interest margin3.4034%1,290
Noninterest income to average assets0.5713%1,816
Noninterest expense to average assets2.7805%1,198
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.6634%3,179
Return on assets (ROA)0.6634%3,162
Pretax return on assets0.9110%2,730
Return on Equity (ROE)6.8727%3,077
Retained earnings to average equity (ytd only)1.9402%3,561
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.3224%1,599
Assets per employee ($millions)5.2293%3,561
Cash dividends to net income (ytd only)*71.7703%836
Condition Ratios (%)
Loss allowance to loans1.2030%2,843
Loan loss allowance to noncurrent loans136.8946%3,072
Noncurrent assets plus other real estate owned to assets0.5790%1,020
Noncurrent loans to loans0.8788%1,060
Net loans and leases to total assets60.3678%2,026
Net loans and leases to deposits66.9932%2,244
Net loans and leases to core deposits67.6449%2,483
Total domestic deposits to total assets90.1103%1,495
Equity capital to assets9.2533%2,482
Core capital (leverage) ratio8.3180%4,055
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3817%2,450
Memoranda:
Average total assets$126,019,0003,758
Average earning assets$115,530,5003,775
Average equity$12,164,0003,846
Average total loans$80,899,0003,444
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2439%927
Cost of funding earning assets0.2940%2,457
Net interest margin3.9499%788
Noninterest income to average assets1.2357%697
Noninterest expense to average assets3.0269%943
Loan and lease loss provision to assets0.1105%1,138
Net operating income to assets1.2142%1,882
Return on assets (ROA)1.2142%1,928
Pretax return on assets1.6599%1,245
Return on Equity (ROE)11.8301%1,870
Retained earnings to average equity (ytd only)9.2032%1,138
Net charge-offs to loans0.0454%1,377
Credit loss provision to net charge-offs341.6667%1,005
Earnings coverage of net charge-offs (x)54.7222%1,240
Efficiency ratio63.0948%2,698
Assets per employee ($millions)4.8522%3,849
Cash dividends to net income (ytd only)*22.2058%2,931
Condition Ratios (%)
Loss allowance to loans1.1731%3,007
Loan loss allowance to noncurrent loans436.8182%1,590
Noncurrent assets plus other real estate owned to assets0.2267%2,421
Noncurrent loans to loans0.2686%2,643
Net loans and leases to total assets66.7370%1,404
Net loans and leases to deposits74.7288%1,675
Net loans and leases to core deposits75.4490%1,963
Total domestic deposits to total assets89.3056%1,351
Equity capital to assets10.0828%2,580
Core capital (leverage) ratio8.9585%3,441
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1171%2,589
Memoranda:
Average total assets$111,270,4003,881
Average earning assets$100,332,6003,905
Average equity$11,420,0003,988
Average total loans$79,217,8003,490
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3300%908
Cost of funding earning assets0.3084%2,518
Net interest margin4.0216%767
Noninterest income to average assets1.4061%608
Noninterest expense to average assets3.0647%870
Loan and lease loss provision to assets0.1186%1,001
Net operating income to assets1.2872%1,864
Return on assets (ROA)1.2872%1,918
Pretax return on assets1.8352%1,079
Return on Equity (ROE)12.4805%1,869
Retained earnings to average equity (ytd only)12.4805%727
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0650%2,826
Assets per employee ($millions)4.2652%4,291
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.1821%3,070
Loan loss allowance to noncurrent loans238.5749%2,305
Noncurrent assets plus other real estate owned to assets0.3670%1,976
Noncurrent loans to loans0.4955%2,069
Net loans and leases to total assets73.1972%755
Net loans and leases to deposits82.6927%1,051
Net loans and leases to core deposits83.3568%1,467
Total domestic deposits to total assets88.5171%1,557
Equity capital to assets10.9572%2,054
Core capital (leverage) ratio9.3989%3,123
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2262%2,638
Memoranda:
Average total assets$108,761,5003,954
Average earning assets$97,704,0003,978
Average equity$11,217,2504,065
Average total loans$78,543,0003,548
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3281%960
Cost of funding earning assets0.3270%2,526
Net interest margin4.0010%819
Noninterest income to average assets1.5641%506
Noninterest expense to average assets3.0912%855
Loan and lease loss provision to assets0.1333%927
Net operating income to assets1.3494%1,711
Return on assets (ROA)1.3494%1,793
Pretax return on assets1.9176%982
Return on Equity (ROE)13.3688%1,603
Retained earnings to average equity (ytd only)13.3688%657
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.1152%3,009
Assets per employee ($millions)4.3122%4,251
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.1809%3,047
Loan loss allowance to noncurrent loans173.5780%2,655
Noncurrent assets plus other real estate owned to assets0.5055%1,649
Noncurrent loans to loans0.6803%1,722
Net loans and leases to total assets73.4342%815
Net loans and leases to deposits82.9022%1,134
Net loans and leases to core deposits83.3509%1,614
Total domestic deposits to total assets88.5793%1,528
Equity capital to assets10.9606%2,008
Core capital (leverage) ratio9.0637%3,382
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2623%2,627
Memoranda:
Average total assets$108,050,3333,978
Average earning assets$96,625,0004,009
Average equity$10,906,0004,109
Average total loans$77,343,0003,593
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2735%1,084
Cost of funding earning assets0.3624%2,426
Net interest margin3.9111%963
Noninterest income to average assets1.7453%470
Noninterest expense to average assets3.0691%878
Loan and lease loss provision to assets0.1331%1,023
Net operating income to assets1.4088%1,548
Return on assets (ROA)1.4088%1,620
Pretax return on assets2.0153%923
Return on Equity (ROE)14.5823%1,305
Retained earnings to average equity (ytd only)14.5823%675
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.8235%3,182
Assets per employee ($millions)4.4747%4,124
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.1821%3,021
Loan loss allowance to noncurrent loans215.6398%2,243
Noncurrent assets plus other real estate owned to assets0.3772%2,292
Noncurrent loans to loans0.5482%2,218
Net loans and leases to total assets68.0022%1,532
Net loans and leases to deposits78.6266%1,654
Net loans and leases to core deposits79.6224%2,039
Total domestic deposits to total assets86.4875%2,530
Equity capital to assets9.5086%3,198
Core capital (leverage) ratio8.1264%4,453
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3706%2,852
Memoranda:
Average total assets$108,173,5003,988
Average earning assets$96,033,5004,023
Average equity$10,451,0004,167
Average total loans$75,959,0003,629
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1638%356
Cost of funding earning assets0.8027%1,196
Net interest margin4.3611%445
Noninterest income to average assets1.6533%456
Noninterest expense to average assets3.1560%1,132
Loan and lease loss provision to assets0.4122%734
Net operating income to assets1.2716%1,329
Return on assets (ROA)1.2716%1,435
Pretax return on assets1.7405%782
Return on Equity (ROE)11.8054%1,379
Retained earnings to average equity (ytd only)6.7431%1,492
Net charge-offs to loans0.1195%1,294
Credit loss provision to net charge-offs478.4810%1,292
Earnings coverage of net charge-offs (x)24.9873%1,754
Efficiency ratio59.4495%3,528
Assets per employee ($millions)4.5426%3,878
Cash dividends to net income (ytd only)*42.8816%2,203
Condition Ratios (%)
Loss allowance to loans1.1663%3,127
Loan loss allowance to noncurrent loans439.1960%1,275
Noncurrent assets plus other real estate owned to assets0.1905%3,329
Noncurrent loans to loans0.2656%3,246
Net loans and leases to total assets70.8863%1,443
Net loans and leases to deposits82.3048%1,631
Net loans and leases to core deposits83.4266%2,084
Total domestic deposits to total assets86.1265%2,315
Equity capital to assets9.8248%3,288
Core capital (leverage) ratio8.4085%4,298
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9290%2,945
Memoranda:
Average total assets$91,697,6004,100
Average earning assets$76,861,4004,205
Average equity$9,876,8004,209
Average total loans$66,090,0003,808
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2855%350
Cost of funding earning assets0.9352%947
Net interest margin4.3503%526
Noninterest income to average assets1.6572%434
Noninterest expense to average assets3.2285%1,023
Loan and lease loss provision to assets0.3943%908
Net operating income to assets1.1660%1,761
Return on assets (ROA)1.1660%1,879
Pretax return on assets1.6572%1,053
Return on Equity (ROE)10.5522%1,829
Retained earnings to average equity (ytd only)6.4622%1,898
Net charge-offs to loans-0.0021%3,888
Credit loss provision to net charge-offs-26,200.0000%4,431
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.1412%3,198
Assets per employee ($millions)4.1612%4,180
Cash dividends to net income (ytd only)*38.7597%1,988
Condition Ratios (%)
Loss allowance to loans1.1587%2,892
Loan loss allowance to noncurrent loans118.6969%3,044
Noncurrent assets plus other real estate owned to assets0.7899%1,461
Noncurrent loans to loans0.9762%1,531
Net loans and leases to total assets74.6918%1,287
Net loans and leases to deposits88.0847%1,476
Net loans and leases to core deposits89.4123%2,024
Total domestic deposits to total assets84.7954%2,517
Equity capital to assets10.5393%2,758
Core capital (leverage) ratio8.7089%4,058
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6407%2,749
Memoranda:
Average total assets$88,502,0004,141
Average earning assets$73,708,7504,248
Average equity$9,779,7504,230
Average total loans$63,878,5003,865
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2645%507
Cost of funding earning assets1.0785%765
Net interest margin4.1859%957
Noninterest income to average assets1.5006%467
Noninterest expense to average assets3.2218%1,118
Loan and lease loss provision to assets0.4228%933
Net operating income to assets0.9501%2,490
Return on assets (ROA)0.9501%2,623
Pretax return on assets1.3449%1,885
Return on Equity (ROE)8.4527%2,579
Retained earnings to average equity (ytd only)6.3861%1,903
Net charge-offs to loans-0.0033%3,900
Credit loss provision to net charge-offs-18,200.0000%4,279
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5717%2,734
Assets per employee ($millions)3.9611%4,349
Cash dividends to net income (ytd only)*24.4499%2,569
Condition Ratios (%)
Loss allowance to loans1.0960%3,086
Loan loss allowance to noncurrent loans134.8754%2,762
Noncurrent assets plus other real estate owned to assets0.6882%1,779
Noncurrent loans to loans0.8126%1,870
Net loans and leases to total assets75.0774%1,267
Net loans and leases to deposits89.1775%1,429
Net loans and leases to core deposits96.9828%1,498
Total domestic deposits to total assets84.1887%2,681
Equity capital to assets10.8895%2,429
Core capital (leverage) ratio9.0941%3,808
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9054%2,647
Memoranda:
Average total assets$86,100,0004,176
Average earning assets$71,764,3334,278
Average equity$9,677,3334,257
Average total loans$61,063,3333,920
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4335%430
Cost of funding earning assets1.1573%886
Net interest margin4.2762%797
Noninterest income to average assets0.7417%1,491
Noninterest expense to average assets3.0480%1,770
Loan and lease loss provision to assets0.3924%780
Net operating income to assets0.5359%3,785
Return on assets (ROA)0.5359%3,847
Pretax return on assets0.8374%3,315
Return on Equity (ROE)4.6884%3,750
Retained earnings to average equity (ytd only)0.5023%3,881
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.2528%2,184
Assets per employee ($millions)3.5726%4,416
Cash dividends to net income (ytd only)*89.2857%868
Condition Ratios (%)
Loss allowance to loans1.1097%3,153
Loan loss allowance to noncurrent loans209.9042%1,991
Noncurrent assets plus other real estate owned to assets0.3809%2,918
Noncurrent loans to loans0.5287%2,676
Net loans and leases to total assets71.2544%2,045
Net loans and leases to deposits81.4810%2,526
Net loans and leases to core deposits82.8649%2,948
Total domestic deposits to total assets87.4490%1,359
Equity capital to assets11.6394%2,332
Core capital (leverage) ratio9.4652%4,023
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3363%2,556
Memoranda:
Average total assets$83,597,0004,216
Average earning assets$69,127,0004,328
Average equity$9,555,5004,286
Average total loans$57,016,0004,007
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2133%968
Cost of funding earning assets0.9820%1,804
Net interest margin4.2312%1,254
Noninterest income to average assets0.6316%2,086
Noninterest expense to average assets3.1100%1,732
Loan and lease loss provision to assets0.1482%1,444
Net operating income to assets0.8276%3,461
Return on assets (ROA)0.8276%3,558
Pretax return on assets1.1330%3,066
Return on Equity (ROE)6.7508%3,644
Retained earnings to average equity (ytd only)5.5301%2,145
Net charge-offs to loans-0.0020%4,227
Credit loss provision to net charge-offs-9,900.0000%4,704
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8248%2,044
Assets per employee ($millions)4.0488%3,847
Cash dividends to net income (ytd only)*18.0832%3,527
Condition Ratios (%)
Loss allowance to loans1.0488%3,221
Loan loss allowance to noncurrent loans255.5556%1,743
Noncurrent assets plus other real estate owned to assets0.2646%3,374
Noncurrent loans to loans0.4104%2,968
Net loans and leases to total assets63.8059%3,225
Net loans and leases to deposits72.6184%3,466
Net loans and leases to core deposits73.8039%3,735
Total domestic deposits to total assets87.8647%1,190
Equity capital to assets11.2285%2,783
Core capital (leverage) ratio9.9179%3,602
Tier 1 risk-based capital ratio13.4960%3,527
Total risk-based capital ratio14.5076%3,534
Memoranda:
Average total assets$66,816,2004,484
Average earning assets$59,367,8004,526
Average equity$8,191,6004,486
Average total loans$49,649,2004,192
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2448%953
Cost of funding earning assets0.9116%2,175
Net interest margin4.3331%1,091
Noninterest income to average assets0.5396%2,512
Noninterest expense to average assets3.0986%1,715
Loan and lease loss provision to assets0.1349%1,422
Net operating income to assets0.8737%3,436
Return on assets (ROA)0.8737%3,517
Pretax return on assets1.2249%2,898
Return on Equity (ROE)6.9274%3,707
Retained earnings to average equity (ytd only)5.2295%2,774
Net charge-offs to loans-0.0028%4,093
Credit loss provision to net charge-offs-6,300.0000%4,654
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5005%2,189
Assets per employee ($millions)3.7379%4,235
Cash dividends to net income (ytd only)*24.5096%2,841
Condition Ratios (%)
Loss allowance to loans1.0251%3,428
Loan loss allowance to noncurrent loans998.1481%597
Noncurrent assets plus other real estate owned to assets0.0722%4,354
Noncurrent loans to loans0.1027%4,182
Net loans and leases to total assets69.6113%2,531
Net loans and leases to deposits79.8882%2,909
Net loans and leases to core deposits79.8882%3,396
Total domestic deposits to total assets87.1358%1,455
Equity capital to assets11.9064%2,321
Core capital (leverage) ratio10.3424%3,270
Tier 1 risk-based capital ratio12.9988%3,846
Total risk-based capital ratio13.9960%3,880
Memoranda:
Average total assets$62,264,0004,620
Average earning assets$56,308,7504,647
Average equity$7,852,7504,577
Average total loans$48,355,0004,266
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2529%891
Cost of funding earning assets0.7288%3,001
Net interest margin4.5241%729
Noninterest income to average assets0.4716%2,830
Noninterest expense to average assets2.9639%2,096
Loan and lease loss provision to assets0.1446%1,282
Net operating income to assets1.0568%2,692
Return on assets (ROA)1.0568%2,757
Pretax return on assets1.4871%1,901
Return on Equity (ROE)8.1830%3,213
Retained earnings to average equity (ytd only)8.1830%1,321
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.4944%3,053
Assets per employee ($millions)4.1139%3,708
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.0600%3,283
Loan loss allowance to noncurrent loans957.4074%620
Noncurrent assets plus other real estate owned to assets0.0938%4,295
Noncurrent loans to loans0.1107%4,176
Net loans and leases to total assets83.7851%373
Net loans and leases to deposits100.1536%667
Net loans and leases to core deposits100.1536%1,710
Total domestic deposits to total assets83.6566%2,991
Equity capital to assets13.3293%1,420
Core capital (leverage) ratio10.3761%3,214
Tier 1 risk-based capital ratio12.0116%4,408
Total risk-based capital ratio13.0815%4,399
Memoranda:
Average total assets$58,099,3304,723
Average earning assets$52,961,3304,727
Average equity$7,503,3304,648
Average total loans$46,947,0004,317
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1279%1,047
Cost of funding earning assets0.6541%3,302
Net interest margin4.4738%779
Noninterest income to average assets0.3153%3,749
Noninterest expense to average assets2.9271%2,191
Loan and lease loss provision to assets0.1440%1,187
Net operating income to assets0.9460%3,065
Return on assets (ROA)0.9460%3,109
Pretax return on assets1.3230%2,369
Return on Equity (ROE)7.4429%3,484
Retained earnings to average equity (ytd only)7.4429%1,871
Net charge-offs to loans-0.0087%4,178
Credit loss provision to net charge-offs-2,100.0000%4,075
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6147%2,851
Assets per employee ($millions)4.1256%3,733
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.0502%3,403
Loan loss allowance to noncurrent loans558.4270%955
Noncurrent assets plus other real estate owned to assets0.1541%4,035
Noncurrent loans to loans0.1881%3,911
Net loans and leases to total assets81.0728%701
Net loans and leases to deposits98.2604%766
Net loans and leases to core deposits98.2604%1,755
Total domestic deposits to total assets82.5081%3,579
Equity capital to assets12.9714%1,469
Core capital (leverage) ratio9.9608%3,645
Tier 1 risk-based capital ratio12.0579%4,426
Total risk-based capital ratio13.1213%4,439
Memoranda:
Average total assets$58,351,5004,767
Average earning assets$53,199,0004,774
Average equity$7,416,5004,694
Average total loans$46,034,0004,388
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9821%1,085
Cost of funding earning assets0.4324%3,787
Net interest margin4.5496%694
Noninterest income to average assets0.4617%3,041
Noninterest expense to average assets2.8733%2,441
Loan and lease loss provision to assets0.1086%2,025
Net operating income to assets1.1804%2,267
Return on assets (ROA)1.1804%2,262
Pretax return on assets1.6132%1,424
Return on Equity (ROE)9.4501%2,770
Retained earnings to average equity (ytd only)3.6525%3,570
Net charge-offs to loans-0.0529%4,991
Credit loss provision to net charge-offs-272.7273%4,524
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5296%3,428
Assets per employee ($millions)4.2104%3,600
Cash dividends to net income (ytd only)*61.3497%1,443
Condition Ratios (%)
Loss allowance to loans1.0616%3,313
Loan loss allowance to noncurrent loans1,130.9524%563
Noncurrent assets plus other real estate owned to assets0.0713%4,463
Noncurrent loans to loans0.0939%4,327
Net loans and leases to total assets75.1039%1,756
Net loans and leases to deposits90.3230%1,755
Net loans and leases to core deposits90.3230%2,548
Total domestic deposits to total assets83.1504%3,278
Equity capital to assets12.4540%1,602
Core capital (leverage) ratio9.7206%3,887
Tier 1 risk-based capital ratio12.4714%4,156
Total risk-based capital ratio13.5490%4,120
Memoranda:
Average total assets$55,233,4004,850
Average earning assets$50,179,8004,851
Average equity$6,899,4004,764
Average total loans$41,561,6004,507
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9230%1,110
Cost of funding earning assets0.3700%4,046
Net interest margin4.5530%665
Noninterest income to average assets0.4567%3,127
Noninterest expense to average assets2.8726%2,385
Loan and lease loss provision to assets0.1105%1,829
Net operating income to assets1.1466%2,448
Return on assets (ROA)1.1466%2,461
Pretax return on assets1.6131%1,543
Return on Equity (ROE)9.1715%3,012
Retained earnings to average equity (ytd only)7.2075%2,020
Net charge-offs to loans-0.0719%5,064
Credit loss provision to net charge-offs-204.5455%4,334
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5000%3,430
Assets per employee ($millions)4.0794%3,768
Cash dividends to net income (ytd only)*21.4133%2,957
Condition Ratios (%)
Loss allowance to loans1.0589%3,419
Loan loss allowance to noncurrent loans754.0984%755
Noncurrent assets plus other real estate owned to assets0.1068%4,435
Noncurrent loans to loans0.1404%4,254
Net loans and leases to total assets75.2587%1,770
Net loans and leases to deposits91.3634%1,711
Net loans and leases to core deposits91.3634%2,538
Total domestic deposits to total assets82.3729%3,496
Equity capital to assets13.0308%1,320
Core capital (leverage) ratio10.5056%3,080
Tier 1 risk-based capital ratio13.2147%3,777
Total risk-based capital ratio14.2978%3,789
Memoranda:
Average total assets$54,305,5004,921
Average earning assets$49,372,2504,918
Average equity$6,789,0004,828
Average total loans$40,765,7504,571
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8562%1,115
Cost of funding earning assets0.2973%4,434
Net interest margin4.5588%611
Noninterest income to average assets0.4834%2,956
Noninterest expense to average assets2.8031%2,648
Loan and lease loss provision to assets0.1124%1,761
Net operating income to assets1.2104%2,154
Return on assets (ROA)1.2104%2,150
Pretax return on assets1.7051%1,201
Return on Equity (ROE)9.8306%2,645
Retained earnings to average equity (ytd only)6.7871%2,173
Net charge-offs to loans-0.0100%4,319
Credit loss provision to net charge-offs-1,500.0000%4,586
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.6650%3,822
Assets per employee ($millions)3.8267%4,171
Cash dividends to net income (ytd only)*30.9598%2,546
Condition Ratios (%)
Loss allowance to loans1.0155%3,739
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets77.3267%1,416
Net loans and leases to deposits92.4586%1,527
Net loans and leases to core deposits92.4586%2,360
Total domestic deposits to total assets83.6339%3,202
Equity capital to assets12.4258%1,579
Core capital (leverage) ratio9.5162%4,100
Tier 1 risk-based capital ratio11.9431%4,533
Total risk-based capital ratio12.9956%4,535
Memoranda:
Average total assets$53,370,3304,994
Average earning assets$48,433,3304,994
Average equity$6,571,3304,911
Average total loans$39,874,0004,644
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7678%1,148
Cost of funding earning assets0.2824%4,489
Net interest margin4.4854%639
Noninterest income to average assets0.3755%3,627
Noninterest expense to average assets2.7183%2,981
Loan and lease loss provision to assets0.1126%1,675
Net operating income to assets1.1414%2,252
Return on assets (ROA)1.1414%2,265
Pretax return on assets1.5994%1,397
Return on Equity (ROE)9.3130%2,760
Retained earnings to average equity (ytd only)9.3130%1,358
Net charge-offs to loans0.0617%1,486
Credit loss provision to net charge-offs250.0000%905
Earnings coverage of net charge-offs (x)38.0000%1,094
Efficiency ratio61.3559%3,894
Assets per employee ($millions)3.7704%4,325
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.0200%3,841
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets73.9003%1,868
Net loans and leases to deposits89.6017%1,730
Net loans and leases to core deposits89.6017%2,482
Total domestic deposits to total assets82.4764%3,820
Equity capital to assets12.4882%1,493
Core capital (leverage) ratio9.4204%4,159
Tier 1 risk-based capital ratio12.4790%4,251
Total risk-based capital ratio13.5349%4,280
Memoranda:
Average total assets$53,268,5005,052
Average earning assets$48,156,5005,058
Average equity$6,528,5004,971
Average total loans$38,885,0004,728
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6851%1,235
Cost of funding earning assets0.2688%4,410
Net interest margin4.4163%736
Noninterest income to average assets0.6674%2,102
Noninterest expense to average assets2.7650%2,904
Loan and lease loss provision to assets0.1070%2,095
Net operating income to assets1.1909%1,549
Return on assets (ROA)1.1909%1,573
Pretax return on assets1.7921%808
Return on Equity (ROE)9.5715%2,067
Retained earnings to average equity (ytd only)4.0976%2,710
Net charge-offs to loans-0.3594%5,584
Credit loss provision to net charge-offs-41.6667%4,639
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0296%4,652
Assets per employee ($millions)3.8394%4,226
Cash dividends to net income (ytd only)*57.1895%1,899
Condition Ratios (%)
Loss allowance to loans1.0245%3,778
Loan loss allowance to noncurrent loans614.0625%930
Noncurrent assets plus other real estate owned to assets0.1191%4,538
Noncurrent loans to loans0.1668%4,258
Net loans and leases to total assets70.6331%2,427
Net loans and leases to deposits82.7074%2,640
Net loans and leases to core deposits87.2360%2,796
Total domestic deposits to total assets85.4012%2,693
Equity capital to assets12.0277%1,815
Core capital (leverage) ratio8.9326%4,729
Tier 1 risk-based capital ratio12.3973%4,267
Total risk-based capital ratio13.4564%4,286
Memoranda:
Average total assets$51,391,8005,131
Average earning assets$46,509,2005,137
Average equity$6,394,0005,046
Average total loans$36,727,0004,829
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6537%1,240
Cost of funding earning assets0.2550%4,521
Net interest margin4.3987%733
Noninterest income to average assets0.7270%1,879
Noninterest expense to average assets2.7793%2,801
Loan and lease loss provision to assets0.0787%2,510
Net operating income to assets1.0655%2,252
Return on assets (ROA)1.0655%2,293
Pretax return on assets1.8529%779
Return on Equity (ROE)8.4896%2,886
Retained earnings to average equity (ytd only)6.3986%2,010
Net charge-offs to loans-0.5764%5,668
Credit loss provision to net charge-offs-19.1083%4,396
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.9889%4,739
Assets per employee ($millions)3.8059%4,304
Cash dividends to net income (ytd only)*24.6305%2,959
Condition Ratios (%)
Loss allowance to loans1.0392%3,847
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets70.2363%2,520
Net loans and leases to deposits85.1668%2,413
Net loans and leases to core deposits92.2705%2,412
Total domestic deposits to total assets82.4691%3,635
Equity capital to assets12.2459%1,813
Core capital (leverage) ratio9.1274%4,603
Tier 1 risk-based capital ratio12.7010%4,202
Total risk-based capital ratio13.7758%4,208
Memoranda:
Average total assets$50,802,0005,196
Average earning assets$46,012,2505,204
Average equity$6,376,2505,103
Average total loans$36,319,0004,889
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6267%1,204
Cost of funding earning assets0.2298%4,719
Net interest margin4.3969%709
Noninterest income to average assets0.4642%3,260
Noninterest expense to average assets2.8454%2,599
Loan and lease loss provision to assets0.0600%2,762
Net operating income to assets0.9125%2,852
Return on assets (ROA)0.9125%2,903
Pretax return on assets1.5408%1,522
Return on Equity (ROE)7.2076%3,446
Retained earnings to average equity (ytd only)7.2076%1,493
Net charge-offs to loans-0.2233%5,594
Credit loss provision to net charge-offs-37.5000%4,273
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.0459%4,466
Assets per employee ($millions)3.8432%4,210
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.9896%4,215
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,332
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets75.2987%1,644
Net loans and leases to deposits91.8188%1,523
Net loans and leases to core deposits103.4341%1,396
Total domestic deposits to total assets82.0080%3,888
Equity capital to assets12.9061%1,417
Core capital (leverage) ratio9.7163%3,877
Tier 1 risk-based capital ratio12.4908%4,309
Total risk-based capital ratio13.5194%4,330
Memoranda:
Average total assets$49,975,0005,249
Average earning assets$45,259,0005,257
Average equity$6,326,6705,138
Average total loans$35,819,6704,932
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5100%1,347
Cost of funding earning assets0.2304%4,715
Net interest margin4.2796%828
Noninterest income to average assets0.3681%3,904
Noninterest expense to average assets2.8330%2,676
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.9203%2,665
Return on assets (ROA)0.9203%2,719
Pretax return on assets1.4005%1,889
Return on Equity (ROE)7.3412%3,240
Retained earnings to average equity (ytd only)7.3412%1,723
Net charge-offs to loans-0.4607%5,736
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.8147%4,178
Assets per employee ($millions)3.9193%4,149
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.0512%3,972
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets66.6915%2,861
Net loans and leases to deposits81.1792%2,609
Net loans and leases to core deposits93.2825%2,034
Total domestic deposits to total assets82.1534%4,127
Equity capital to assets12.4178%1,586
Core capital (leverage) ratio8.9944%4,745
Tier 1 risk-based capital ratio13.0541%4,045
Total risk-based capital ratio14.1174%4,062
Memoranda:
Average total assets$49,982,0005,307
Average earning assets$45,144,5005,314
Average equity$6,266,0005,196
Average total loans$34,731,5005,009
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5605%1,379
Cost of funding earning assets0.2017%4,997
Net interest margin4.3588%839
Noninterest income to average assets0.5253%3,057
Noninterest expense to average assets3.0030%2,345
Loan and lease loss provision to assets0.1841%1,286
Net operating income to assets0.8128%3,245
Return on assets (ROA)0.8128%3,355
Pretax return on assets1.2719%2,389
Return on Equity (ROE)6.2906%3,852
Retained earnings to average equity (ytd only)0.5282%5,120
Net charge-offs to loans0.1193%2,062
Credit loss provision to net charge-offs228.2051%1,258
Earnings coverage of net charge-offs (x)18.0513%1,991
Efficiency ratio62.3840%4,188
Assets per employee ($millions)3.7702%4,364
Cash dividends to net income (ytd only)*91.6031%544
Condition Ratios (%)
Loss allowance to loans0.9140%4,731
Loan loss allowance to noncurrent loans2,140.0000%320
Noncurrent assets plus other real estate owned to assets0.0306%5,246
Noncurrent loans to loans0.0427%5,076
Net loans and leases to total assets71.0036%2,331
Net loans and leases to deposits87.8392%1,947
Net loans and leases to core deposits100.0287%1,619
Total domestic deposits to total assets80.8337%4,379
Equity capital to assets12.6599%1,420
Core capital (leverage) ratio8.7675%5,006
Tier 1 risk-based capital ratio12.5459%4,356
Total risk-based capital ratio13.4811%4,432
Memoranda:
Average total assets$48,352,0005,378
Average earning assets$43,635,6005,384
Average equity$6,247,4005,240
Average total loans$32,685,6005,110
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4909%1,569
Cost of funding earning assets0.1872%5,203
Net interest margin4.3036%920
Noninterest income to average assets0.5672%2,832
Noninterest expense to average assets3.0298%2,231
Loan and lease loss provision to assets0.1245%1,873
Net operating income to assets0.6917%3,898
Return on assets (ROA)0.6917%4,030
Pretax return on assets1.2922%2,463
Return on Equity (ROE)5.3265%4,375
Retained earnings to average equity (ytd only)2.4501%4,452
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1612%4,045
Assets per employee ($millions)3.8627%4,190
Cash dividends to net income (ytd only)*54.0005%1,694
Condition Ratios (%)
Loss allowance to loans0.9315%4,744
Loan loss allowance to noncurrent loans810.2564%705
Noncurrent assets plus other real estate owned to assets0.0777%5,124
Noncurrent loans to loans0.1150%4,879
Net loans and leases to total assets66.9242%2,967
Net loans and leases to deposits84.9709%2,370
Net loans and leases to core deposits96.4304%1,952
Total domestic deposits to total assets78.7613%4,774
Equity capital to assets12.5958%1,713
Core capital (leverage) ratio9.2301%4,548
Tier 1 risk-based capital ratio13.0391%4,137
Total risk-based capital ratio13.9815%4,235
Memoranda:
Average total assets$48,186,7505,436
Average earning assets$43,435,2505,442
Average equity$6,258,0005,291
Average total loans$32,076,5005,177
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4516%1,667
Cost of funding earning assets0.1777%5,346
Net interest margin4.2739%977
Noninterest income to average assets0.6188%2,513
Noninterest expense to average assets3.1277%1,990
Loan and lease loss provision to assets0.1263%1,802
Net operating income to assets0.6525%4,032
Return on assets (ROA)0.6525%4,180
Pretax return on assets1.2124%2,738
Return on Equity (ROE)4.9714%4,530
Retained earnings to average equity (ytd only)0.6415%5,117
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.0330%3,843
Assets per employee ($millions)3.6656%4,498
Cash dividends to net income (ytd only)*87.0968%745
Condition Ratios (%)
Loss allowance to loans0.9377%4,812
Loan loss allowance to noncurrent loans401.3333%1,286
Noncurrent assets plus other real estate owned to assets0.1574%4,880
Noncurrent loans to loans0.2336%4,505
Net loans and leases to total assets66.7303%2,978
Net loans and leases to deposits86.7758%2,160
Net loans and leases to core deposits94.6568%2,097
Total domestic deposits to total assets76.8997%5,175
Equity capital to assets13.0779%1,457
Core capital (leverage) ratio9.2062%4,587
Tier 1 risk-based capital ratio13.1664%4,096
Total risk-based capital ratio14.0967%4,201
Memoranda:
Average total assets$47,510,6705,510
Average earning assets$42,771,0005,523
Average equity$6,235,6705,344
Average total loans$31,461,3305,252
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3666%1,903
Cost of funding earning assets0.1780%5,387
Net interest margin4.1886%1,121
Noninterest income to average assets0.5649%2,717
Noninterest expense to average assets3.1029%2,093
Loan and lease loss provision to assets0.1265%1,677
Net operating income to assets0.7589%3,446
Return on assets (ROA)0.7589%3,552
Pretax return on assets1.1046%3,076
Return on Equity (ROE)5.7715%4,092
Retained earnings to average equity (ytd only)5.7715%2,489
Net charge-offs to loans0.0385%2,224
Credit loss provision to net charge-offs500.0000%597
Earnings coverage of net charge-offs (x)48.6667%899
Efficiency ratio66.3424%3,746
Assets per employee ($millions)3.6015%4,645
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.9114%5,021
Loan loss allowance to noncurrent loans505.3571%1,010
Noncurrent assets plus other real estate owned to assets0.2905%4,400
Noncurrent loans to loans0.1804%4,760
Net loans and leases to total assets65.7148%2,991
Net loans and leases to deposits80.6474%2,708
Net loans and leases to core deposits89.9672%2,379
Total domestic deposits to total assets81.4840%4,361
Equity capital to assets13.4304%1,206
Core capital (leverage) ratio9.4720%4,244
Tier 1 risk-based capital ratio13.7135%3,856
Total risk-based capital ratio14.6131%3,987
Memoranda:
Average total assets$47,439,5005,565
Average earning assets$42,687,5005,579
Average equity$6,237,5005,378
Average total loans$31,142,0005,304
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0194%3,242
Cost of funding earning assets0.2067%5,224
Net interest margin3.8127%2,329
Noninterest income to average assets0.4609%3,588
Noninterest expense to average assets2.8624%2,985
Loan and lease loss provision to assets0.1981%1,089
Net operating income to assets0.5572%4,471
Return on assets (ROA)0.5600%4,553
Pretax return on assets0.8349%4,091
Return on Equity (ROE)4.4677%4,754
Retained earnings to average equity (ytd only)-0.3710%5,570
Net charge-offs to loans0.3307%900
Credit loss provision to net charge-offs101.0309%2,480
Earnings coverage of net charge-offs (x)5.2474%3,420
Efficiency ratio68.0000%3,577
Assets per employee ($millions)3.6969%4,482
Cash dividends to net income (ytd only)*108.3032%317
Condition Ratios (%)
Loss allowance to loans0.8676%5,204
Loan loss allowance to noncurrent loans294.5652%1,669
Noncurrent assets plus other real estate owned to assets0.3579%4,154
Noncurrent loans to loans0.2946%4,402
Net loans and leases to total assets64.4257%3,208
Net loans and leases to deposits77.1414%3,146
Net loans and leases to core deposits89.7895%2,421
Total domestic deposits to total assets83.5164%3,664
Equity capital to assets12.8735%1,417
Core capital (leverage) ratio9.4316%4,278
Tier 1 risk-based capital ratio13.2826%4,113
Total risk-based capital ratio14.1314%4,292
Memoranda:
Average total assets$49,468,6005,557
Average earning assets$44,508,6005,569
Average equity$6,200,0005,400
Average total loans$29,328,8005,387
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9264%3,650
Cost of funding earning assets0.2112%5,278
Net interest margin3.7152%2,693
Noninterest income to average assets0.4897%3,444
Noninterest expense to average assets2.9063%2,830
Loan and lease loss provision to assets0.0803%2,565
Net operating income to assets0.5238%4,704
Return on assets (ROA)0.5272%4,782
Pretax return on assets0.8510%4,171
Return on Equity (ROE)4.2342%4,939
Retained earnings to average equity (ytd only)0.5803%5,444
Net charge-offs to loans0.1848%1,379
Credit loss provision to net charge-offs75.0000%2,680
Earnings coverage of net charge-offs (x)8.6503%2,782
Efficiency ratio70.2514%3,169
Assets per employee ($millions)4.8103%2,547
Cash dividends to net income (ytd only)*86.2941%603
Condition Ratios (%)
Loss allowance to loans0.9034%5,195
Loan loss allowance to noncurrent loans192.5926%2,336
Noncurrent assets plus other real estate owned to assets0.4470%4,006
Noncurrent loans to loans0.4691%3,951
Net loans and leases to total assets59.2915%3,967
Net loans and leases to deposits72.1685%3,743
Net loans and leases to core deposits92.5676%2,209
Total domestic deposits to total assets82.1570%4,118
Equity capital to assets12.9722%1,459
Core capital (leverage) ratio8.8946%5,126
Tier 1 risk-based capital ratio14.3991%3,629
Total risk-based capital ratio15.2739%3,777
Memoranda:
Average total assets$49,820,7505,613
Average earning assets$44,824,2505,631
Average equity$6,203,2505,460
Average total loans$28,852,5005,472
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8388%3,925
Cost of funding earning assets0.2069%5,381
Net interest margin3.6319%2,974
Noninterest income to average assets0.5437%3,084
Noninterest expense to average assets2.8734%2,985
Loan and lease loss provision to assets0.0794%2,525
Net operating income to assets0.5029%4,757
Return on assets (ROA)0.5080%4,845
Pretax return on assets0.8731%4,058
Return on Equity (ROE)4.1350%4,963
Retained earnings to average equity (ytd only)-1.3568%5,750
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.6466%3,398
Assets per employee ($millions)4.8879%2,414
Cash dividends to net income (ytd only)*132.8125%244
Condition Ratios (%)
Loss allowance to loans1.0337%4,692
Loan loss allowance to noncurrent loans322.2222%1,525
Noncurrent assets plus other real estate owned to assets0.3478%4,496
Noncurrent loans to loans0.3208%4,545
Net loans and leases to total assets56.8015%4,243
Net loans and leases to deposits71.1478%3,807
Net loans and leases to core deposits87.8219%2,569
Total domestic deposits to total assets79.8359%4,902
Equity capital to assets12.6230%1,588
Core capital (leverage) ratio8.5162%5,515
Tier 1 risk-based capital ratio14.4196%3,686
Total risk-based capital ratio15.4153%3,763
Memoranda:
Average total assets$50,393,3305,660
Average earning assets$45,431,0005,674
Average equity$6,191,0005,506
Average total loans$28,876,3305,522
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7557%4,179
Cost of funding earning assets0.2158%5,357
Net interest margin3.5399%3,262
Noninterest income to average assets0.4301%3,764
Noninterest expense to average assets2.6666%3,705
Loan and lease loss provision to assets0.0782%2,389
Net operating income to assets0.5865%4,334
Return on assets (ROA)0.5865%4,436
Pretax return on assets0.8915%3,919
Return on Equity (ROE)4.8375%4,614
Retained earnings to average equity (ytd only)-1.6125%5,638
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5269%3,902
Assets per employee ($millions)5.2132%2,094
Cash dividends to net income (ytd only)*133.3333%436
Condition Ratios (%)
Loss allowance to loans1.0568%4,722
Loan loss allowance to noncurrent loans741.4634%712
Noncurrent assets plus other real estate owned to assets0.2762%4,841
Noncurrent loans to loans0.1425%5,267
Net loans and leases to total assets54.5941%4,357
Net loans and leases to deposits67.3235%4,021
Net loans and leases to core deposits83.0614%2,863
Total domestic deposits to total assets81.0922%4,803
Equity capital to assets11.8756%2,124
Core capital (leverage) ratio8.2809%5,754
Tier 1 risk-based capital ratio13.9087%4,082
Total risk-based capital ratio14.9256%4,142
Memoranda:
Average total assets$51,150,5005,697
Average earning assets$46,329,5005,699
Average equity$6,201,5005,553
Average total loans$29,287,5005,549
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0308%3,595
Cost of funding earning assets0.2015%5,730
Net interest margin3.8293%2,515
Noninterest income to average assets0.3155%4,863
Noninterest expense to average assets2.7238%3,775
Loan and lease loss provision to assets0.1254%2,086
Net operating income to assets0.7017%3,882
Return on assets (ROA)0.7017%4,000
Pretax return on assets0.9625%3,636
Return on Equity (ROE)5.5604%4,382
Retained earnings to average equity (ytd only)1.1537%5,259
Net charge-offs to loans0.2043%2,030
Credit loss provision to net charge-offs105.0847%2,283
Earnings coverage of net charge-offs (x)9.1186%2,791
Efficiency ratio65.7825%4,287
Assets per employee ($millions)4.5608%2,940
Cash dividends to net income (ytd only)*79.2507%927
Condition Ratios (%)
Loss allowance to loans0.9862%5,132
Loan loss allowance to noncurrent loans1,837.5000%355
Noncurrent assets plus other real estate owned to assets0.2372%5,073
Noncurrent loans to loans0.0537%5,663
Net loans and leases to total assets58.8331%3,939
Net loans and leases to deposits73.2280%3,524
Net loans and leases to core deposits94.4603%1,871
Total domestic deposits to total assets80.3424%4,927
Equity capital to assets12.3821%1,714
Core capital (leverage) ratio8.5453%5,506
Tier 1 risk-based capital ratio13.7261%4,283
Total risk-based capital ratio14.6980%4,381
Memoranda:
Average total assets$49,453,0005,800
Average earning assets$45,152,0005,793
Average equity$6,240,6005,573
Average total loans$28,876,8005,611
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9724%3,865
Cost of funding earning assets0.1980%5,849
Net interest margin3.7743%2,715
Noninterest income to average assets0.3139%4,929
Noninterest expense to average assets2.7438%3,652
Loan and lease loss provision to assets0.1272%1,972
Net operating income to assets0.6034%4,432
Return on assets (ROA)0.6034%4,520
Pretax return on assets0.8984%3,994
Return on Equity (ROE)4.7590%4,830
Retained earnings to average equity (ytd only)4.7590%3,235
Net charge-offs to loans0.2700%1,452
Credit loss provision to net charge-offs81.0345%2,574
Earnings coverage of net charge-offs (x)6.5346%3,067
Efficiency ratio67.0495%4,036
Assets per employee ($millions)4.4155%3,115
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.9335%5,488
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2121%5,372
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets61.1805%3,598
Net loans and leases to deposits73.1111%3,548
Net loans and leases to core deposits95.9014%1,682
Total domestic deposits to total assets83.6816%3,886
Equity capital to assets13.1004%1,379
Core capital (leverage) ratio9.1982%4,794
Tier 1 risk-based capital ratio14.3407%3,993
Total risk-based capital ratio15.2778%4,131
Memoranda:
Average total assets$49,274,0005,869
Average earning assets$45,110,5005,861
Average equity$6,247,7505,631
Average total loans$28,643,5005,677
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9899%3,765
Cost of funding earning assets0.1940%5,963
Net interest margin3.7959%2,587
Noninterest income to average assets0.1777%5,886
Noninterest expense to average assets2.7228%3,786
Loan and lease loss provision to assets0.0485%3,336
Net operating income to assets0.5292%4,696
Return on assets (ROA)0.5292%4,783
Pretax return on assets0.8847%3,942
Return on Equity (ROE)4.2195%5,052
Retained earnings to average equity (ytd only)4.2195%3,485
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.5083%3,917
Assets per employee ($millions)4.3131%3,248
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.0467%5,137
Loan loss allowance to noncurrent loans891.1765%566
Noncurrent assets plus other real estate owned to assets0.2888%5,213
Noncurrent loans to loans0.1175%5,664
Net loans and leases to total assets60.3764%3,657
Net loans and leases to deposits70.0144%3,823
Net loans and leases to core deposits87.1808%2,397
Total domestic deposits to total assets86.2343%2,909
Equity capital to assets13.2177%1,261
Core capital (leverage) ratio8.8307%5,247
Tier 1 risk-based capital ratio14.6058%3,865
Total risk-based capital ratio15.6651%3,921
Memoranda:
Average total assets$49,508,3305,917
Average earning assets$45,365,0005,899
Average equity$6,209,3305,676
Average total loans$28,192,6705,737
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7671%4,612
Cost of funding earning assets0.1892%6,083
Net interest margin3.5779%3,345
Noninterest income to average assets0.1741%5,926
Noninterest expense to average assets2.6039%4,257
Loan and lease loss provision to assets0.0475%3,144
Net operating income to assets0.6252%4,064
Return on assets (ROA)0.6252%4,150
Pretax return on assets0.8152%4,053
Return on Equity (ROE)5.1145%4,487
Retained earnings to average equity (ytd only)5.1145%3,050
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.9498%4,009
Assets per employee ($millions)4.3092%3,321
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.0761%5,225
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1992%5,625
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets52.7983%4,563
Net loans and leases to deposits60.3626%4,726
Net loans and leases to core deposits74.5488%3,583
Total domestic deposits to total assets87.4686%2,529
Equity capital to assets12.0286%1,848
Core capital (leverage) ratio8.3067%5,837
Tier 1 risk-based capital ratio15.1314%3,638
Total risk-based capital ratio16.2262%3,676
Memoranda:
Average total assets$50,540,5005,950
Average earning assets$46,508,0005,930
Average equity$6,178,5005,713
Average total loans$27,815,0005,811
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9591%4,245
Cost of funding earning assets0.2281%6,118
Net interest margin3.7310%2,937
Noninterest income to average assets0.1638%6,111
Noninterest expense to average assets2.4893%4,799
Loan and lease loss provision to assets0.4267%689
Net operating income to assets0.4408%4,992
Return on assets (ROA)0.4408%5,113
Pretax return on assets0.6552%4,683
Return on Equity (ROE)3.5211%5,316
Retained earnings to average equity (ytd only)-0.1938%5,917
Net charge-offs to loans0.8392%735
Credit loss provision to net charge-offs91.7391%2,709
Earnings coverage of net charge-offs (x)2.3261%4,234
Efficiency ratio63.6467%4,965
Assets per employee ($millions)4.4883%2,923
Cash dividends to net income (ytd only)*105.5046%336
Condition Ratios (%)
Loss allowance to loans1.0381%5,386
Loan loss allowance to noncurrent loans2,910.0000%217
Noncurrent assets plus other real estate owned to assets0.2289%5,594
Noncurrent loans to loans0.0357%6,143
Net loans and leases to total assets56.1868%4,290
Net loans and leases to deposits64.6138%4,449
Net loans and leases to core deposits82.5055%2,836
Total domestic deposits to total assets86.9579%2,745
Equity capital to assets12.4304%1,547
Core capital (leverage) ratio8.8851%5,160
Tier 1 risk-based capital ratio14.3322%4,063
Total risk-based capital ratio15.3728%4,162
Memoranda:
Average total assets$49,452,2006,027
Average earning assets$45,162,2006,016
Average equity$6,191,2005,768
Average total loans$27,408,6005,875
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9684%4,248
Cost of funding earning assets0.2393%6,161
Net interest margin3.7290%2,926
Noninterest income to average assets0.1644%6,203
Noninterest expense to average assets2.4848%4,774
Loan and lease loss provision to assets0.5525%472
Net operating income to assets0.3423%5,457
Return on assets (ROA)0.3423%5,586
Pretax return on assets0.5282%5,273
Return on Equity (ROE)2.7290%5,703
Retained earnings to average equity (ytd only)2.7290%4,689
Net charge-offs to loans1.1252%499
Credit loss provision to net charge-offs89.1304%2,654
Earnings coverage of net charge-offs (x)1.7435%4,253
Efficiency ratio63.6432%4,860
Assets per employee ($millions)4.3845%3,074
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.0395%5,558
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2136%5,805
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets56.2545%4,282
Net loans and leases to deposits65.0140%4,403
Net loans and leases to core deposits85.1302%2,524
Total domestic deposits to total assets86.5268%2,951
Equity capital to assets12.9860%1,337
Core capital (leverage) ratio8.8265%5,368
Tier 1 risk-based capital ratio15.1995%3,628
Total risk-based capital ratio16.2483%3,703
Memoranda:
Average total assets$49,472,5006,093
Average earning assets$45,122,5006,089
Average equity$6,204,7505,837
Average total loans$27,253,0005,937
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9342%4,340
Cost of funding earning assets0.2462%6,200
Net interest margin3.6880%2,998
Noninterest income to average assets0.1684%6,207
Noninterest expense to average assets2.5257%4,645
Loan and lease loss provision to assets0.7978%271
Net operating income to assets-0.0682%6,375
Return on assets (ROA)-0.0682%6,422
Pretax return on assets0.2085%6,070
Return on Equity (ROE)-0.5497%6,417
Retained earnings to average equity (ytd only)-0.5497%5,970
Net charge-offs to loans1.6913%289
Credit loss provision to net charge-offs86.5217%2,512
Earnings coverage of net charge-offs (x)1.0913%4,167
Efficiency ratio65.3802%4,657
Assets per employee ($millions)4.3461%3,093
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.0425%5,662
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2154%5,851
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets55.3977%4,385
Net loans and leases to deposits63.9757%4,507
Net loans and leases to core deposits79.2009%3,131
Total domestic deposits to total assets86.5919%3,063
Equity capital to assets12.8496%1,400
Core capital (leverage) ratio8.3743%5,797
Tier 1 risk-based capital ratio14.9555%3,806
Total risk-based capital ratio16.0071%3,901
Memoranda:
Average total assets$49,887,0006,129
Average earning assets$45,499,0006,120
Average equity$6,185,3305,883
Average total loans$27,198,6705,971
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7835%4,879
Cost of funding earning assets0.2499%6,290
Net interest margin3.5335%3,551
Noninterest income to average assets0.1807%6,183
Noninterest expense to average assets2.4898%4,789
Loan and lease loss provision to assets0.0471%3,829
Net operating income to assets0.6441%3,996
Return on assets (ROA)0.6441%4,158
Pretax return on assets0.8640%3,895
Return on Equity (ROE)5.2848%4,412
Retained earnings to average equity (ytd only)5.2848%3,064
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.9746%4,492
Assets per employee ($millions)4.7457%2,574
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.1509%5,405
Loan loss allowance to noncurrent loans126.4000%2,753
Noncurrent assets plus other real estate owned to assets0.6762%4,686
Noncurrent loans to loans0.9105%4,313
Net loans and leases to total assets51.9913%4,705
Net loans and leases to deposits59.3869%4,863
Net loans and leases to core deposits73.2610%3,671
Total domestic deposits to total assets87.5467%2,606
Equity capital to assets11.9667%2,065
Core capital (leverage) ratio8.2983%5,830
Tier 1 risk-based capital ratio14.9344%3,888
Total risk-based capital ratio16.0991%3,903
Memoranda:
Average total assets$50,927,0006,158
Average earning assets$46,412,5006,146
Average equity$6,206,5005,939
Average total loans$27,416,5006,009
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9150%5,529
Cost of funding earning assets0.3123%6,394
Net interest margin3.6028%4,069
Noninterest income to average assets0.1518%6,276
Noninterest expense to average assets2.2788%5,746
Loan and lease loss provision to assets0.5283%1,097
Net operating income to assets0.4199%5,008
Return on assets (ROA)0.4199%5,271
Pretax return on assets0.6426%4,844
Return on Equity (ROE)3.4053%5,390
Retained earnings to average equity (ytd only)0.2078%5,745
Net charge-offs to loans1.1233%931
Credit loss provision to net charge-offs91.1565%3,427
Earnings coverage of net charge-offs (x)2.0204%4,403
Efficiency ratio59.9429%5,550
Assets per employee ($millions)4.9651%2,276
Cash dividends to net income (ytd only)*93.8967%610
Condition Ratios (%)
Loss allowance to loans1.1324%5,433
Loan loss allowance to noncurrent loans134.7826%2,585
Noncurrent assets plus other real estate owned to assets0.6707%4,804
Noncurrent loans to loans0.8402%4,509
Net loans and leases to total assets54.5125%4,543
Net loans and leases to deposits65.9439%4,299
Net loans and leases to core deposits85.4275%2,385
Total domestic deposits to total assets82.6650%4,863
Equity capital to assets12.4187%1,771
Core capital (leverage) ratio8.1067%6,082
Tier 1 risk-based capital ratio14.5098%4,028
Total risk-based capital ratio15.6485%4,053
Memoranda:
Average total assets$50,728,6006,194
Average earning assets$46,436,4006,167
Average equity$6,255,0005,949
Average total loans$26,173,8006,131
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9058%5,774
Cost of funding earning assets0.3226%6,496
Net interest margin3.5832%4,303
Noninterest income to average assets0.1490%6,405
Noninterest expense to average assets2.2667%5,786
Loan and lease loss provision to assets0.1281%3,947
Net operating income to assets0.6588%4,097
Return on assets (ROA)0.6588%4,364
Pretax return on assets1.0353%3,582
Return on Equity (ROE)5.3525%4,665
Retained earnings to average equity (ytd only)5.3525%3,124
Net charge-offs to loans0.1701%3,744
Credit loss provision to net charge-offs148.4848%1,912
Earnings coverage of net charge-offs (x)13.4845%1,904
Efficiency ratio59.9848%5,503
Assets per employee ($millions)4.7032%2,597
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.3505%4,578
Loan loss allowance to noncurrent loans341.7476%1,095
Noncurrent assets plus other real estate owned to assets0.1991%6,216
Noncurrent loans to loans0.3952%5,668
Net loans and leases to total assets49.6994%5,349
Net loans and leases to deposits57.1683%5,513
Net loans and leases to core deposits72.6000%4,183
Total domestic deposits to total assets86.9353%2,709
Equity capital to assets12.3823%1,974
Core capital (leverage) ratio8.5256%5,717
Tier 1 risk-based capital ratio15.7450%3,401
Total risk-based capital ratio16.9945%3,365
Memoranda:
Average total assets$50,998,0006,251
Average earning assets$46,698,2506,232
Average equity$6,277,2506,014
Average total loans$25,873,2506,222
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9227%5,859
Cost of funding earning assets0.3574%6,476
Net interest margin3.5653%4,398
Noninterest income to average assets0.1458%6,469
Noninterest expense to average assets2.2423%5,901
Loan and lease loss provision to assets0.1340%3,853
Net operating income to assets0.7093%3,823
Return on assets (ROA)0.7093%4,083
Pretax return on assets1.0325%3,587
Return on Equity (ROE)5.7745%4,437
Retained earnings to average equity (ytd only)5.7745%2,839
Net charge-offs to loans0.2557%3,044
Credit loss provision to net charge-offs103.0303%2,646
Earnings coverage of net charge-offs (x)8.9697%2,223
Efficiency ratio59.5376%5,648
Assets per employee ($millions)4.8216%2,404
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.2820%4,972
Loan loss allowance to noncurrent loans327.1845%1,097
Noncurrent assets plus other real estate owned to assets0.2136%6,247
Noncurrent loans to loans0.3918%5,753
Net loans and leases to total assets53.8203%4,834
Net loans and leases to deposits62.4278%4,949
Net loans and leases to core deposits77.4511%3,596
Total domestic deposits to total assets86.2120%3,243
Equity capital to assets13.1284%1,460
Core capital (leverage) ratio8.7813%5,249
Tier 1 risk-based capital ratio15.2749%3,588
Total risk-based capital ratio16.5251%3,552
Memoranda:
Average total assets$50,752,3306,300
Average earning assets$46,447,6706,279
Average equity$6,234,3306,055
Average total loans$25,809,6706,272
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8493%6,141
Cost of funding earning assets0.3606%6,599
Net interest margin3.4887%4,760
Noninterest income to average assets0.1384%6,556
Noninterest expense to average assets2.3299%5,688
Loan and lease loss provision to assets0.1153%3,912
Net operating income to assets0.6151%4,286
Return on assets (ROA)0.6151%4,493
Pretax return on assets0.8920%4,057
Return on Equity (ROE)5.1726%4,706
Retained earnings to average equity (ytd only)5.1726%3,459
Net charge-offs to loans0.0156%4,466
Credit loss provision to net charge-offs1,500.0000%217
Earnings coverage of net charge-offs (x)131.0000%271
Efficiency ratio63.5945%5,006
Assets per employee ($millions)4.8511%2,449
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.4043%4,590
Loan loss allowance to noncurrent loans203.4884%1,632
Noncurrent assets plus other real estate owned to assets0.3546%6,001
Noncurrent loans to loans0.6901%5,285
Net loans and leases to total assets50.6545%5,212
Net loans and leases to deposits58.5044%5,323
Net loans and leases to core deposits74.5925%3,818
Total domestic deposits to total assets86.5824%3,184
Equity capital to assets12.8321%1,525
Core capital (leverage) ratio7.8460%6,378
Tier 1 risk-based capital ratio15.2805%3,565
Total risk-based capital ratio16.5298%3,528
Memoranda:
Average total assets$52,020,5006,300
Average earning assets$47,697,5006,283
Average equity$6,186,5006,099
Average total loans$25,571,0006,331
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2828%5,809
Cost of funding earning assets0.5189%6,458
Net interest margin3.7640%4,010
Noninterest income to average assets0.1907%6,138
Noninterest expense to average assets2.4248%5,710
Loan and lease loss provision to assets0.1069%5,257
Net operating income to assets0.7251%3,360
Return on assets (ROA)0.7251%3,539
Pretax return on assets1.0646%2,983
Return on Equity (ROE)5.7109%4,022
Retained earnings to average equity (ytd only)3.7137%3,565
Net charge-offs to loans0.0036%6,396
Credit loss provision to net charge-offs5,100.0000%50
Earnings coverage of net charge-offs (x)559.0000%58
Efficiency ratio61.1888%5,580
Assets per employee ($millions)5.5530%1,578
Cash dividends to net income (ytd only)*34.9711%2,867
Condition Ratios (%)
Loss allowance to loans1.2815%5,012
Loan loss allowance to noncurrent loans248.8889%1,330
Noncurrent assets plus other real estate owned to assets0.2431%6,361
Noncurrent loans to loans0.5149%5,680
Net loans and leases to total assets46.6108%5,954
Net loans and leases to deposits52.8084%6,150
Net loans and leases to core deposits65.9355%5,258
Total domestic deposits to total assets88.2640%1,990
Equity capital to assets11.0715%2,921
Core capital (leverage) ratio8.3947%5,720
Tier 1 risk-based capital ratio14.3627%4,070
Total risk-based capital ratio15.6110%4,041
Memoranda:
Average total assets$47,716,2006,432
Average earning assets$43,172,2006,414
Average equity$6,058,6006,142
Average total loans$27,667,8006,263
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4175%5,552
Cost of funding earning assets0.5728%6,420
Net interest margin3.8447%3,643
Noninterest income to average assets0.2010%6,162
Noninterest expense to average assets2.5231%5,387
Loan and lease loss provision to assets0.1224%4,906
Net operating income to assets0.6992%3,624
Return on assets (ROA)0.6992%3,794
Pretax return on assets1.0168%3,346
Return on Equity (ROE)5.3011%4,398
Retained earnings to average equity (ytd only)4.2851%3,681
Net charge-offs to loans0.0047%6,123
Credit loss provision to net charge-offs4,200.0000%77
Earnings coverage of net charge-offs (x)391.9699%93
Efficiency ratio62.5298%5,328
Assets per employee ($millions)4.6182%2,731
Cash dividends to net income (ytd only)*19.1662%2,965
Condition Ratios (%)
Loss allowance to loans1.0916%5,925
Loan loss allowance to noncurrent loans2,180.0000%201
Noncurrent assets plus other real estate owned to assets0.0325%6,975
Noncurrent loans to loans0.0501%6,810
Net loans and leases to total assets64.1570%3,278
Net loans and leases to deposits74.5965%3,575
Net loans and leases to core deposits99.5665%1,291
Total domestic deposits to total assets86.0054%3,212
Equity capital to assets13.2498%1,494
Core capital (leverage) ratio8.5458%5,646
Tier 1 risk-based capital ratio13.4681%4,761
Total risk-based capital ratio14.6219%4,792
Memoranda:
Average total assets$45,762,7506,545
Average earning assets$41,198,2506,539
Average equity$6,036,2506,192
Average total loans$28,030,0006,299
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3286%5,917
Cost of funding earning assets0.5947%6,486
Net interest margin3.7339%4,102
Noninterest income to average assets0.1929%6,289
Noninterest expense to average assets2.5031%5,521
Loan and lease loss provision to assets0.0789%5,325
Net operating income to assets0.7277%3,399
Return on assets (ROA)0.7277%3,517
Pretax return on assets0.9688%3,363
Return on Equity (ROE)5.5253%4,201
Retained earnings to average equity (ytd only)5.5253%2,681
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8272%5,272
Assets per employee ($millions)4.0525%3,649
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.0660%6,076
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets63.2950%3,620
Net loans and leases to deposits73.9232%3,816
Net loans and leases to core deposits93.7251%1,930
Total domestic deposits to total assets85.6226%3,541
Equity capital to assets13.6573%1,222
Core capital (leverage) ratio8.7112%5,210
Tier 1 risk-based capital ratio13.6413%4,422
Total risk-based capital ratio14.7410%4,510
Memoranda:
Average total assets$45,623,0006,606
Average earning assets$41,029,3306,598
Average equity$6,008,6706,231
Average total loans$27,388,0006,394
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3459%5,872
Cost of funding earning assets0.6264%6,489
Net interest margin3.7196%4,001
Noninterest income to average assets0.1994%6,291
Noninterest expense to average assets2.4097%5,858
Loan and lease loss provision to assets0.0780%5,026
Net operating income to assets0.9015%2,558
Return on assets (ROA)0.9015%2,618
Pretax return on assets1.0575%2,911
Return on Equity (ROE)6.9693%3,397
Retained earnings to average equity (ytd only)6.9693%2,162
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3692%5,786
Assets per employee ($millions)4.2323%3,389
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.1909%5,679
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets52.5744%5,509
Net loans and leases to deposits60.8160%5,639
Net loans and leases to core deposits77.6153%4,076
Total domestic deposits to total assets86.4483%3,267
Equity capital to assets12.9352%1,410
Core capital (leverage) ratio8.2335%5,931
Tier 1 risk-based capital ratio14.2962%3,874
Total risk-based capital ratio15.4385%3,913
Memoranda:
Average total assets$46,146,0006,635
Average earning assets$41,510,0006,632
Average equity$5,969,0006,259
Average total loans$26,822,5006,481
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7788%5,493
Cost of funding earning assets0.8048%6,543
Net interest margin3.9741%3,129
Noninterest income to average assets0.2447%6,047
Noninterest expense to average assets2.5762%5,522
Loan and lease loss provision to assets1.3749%1,097
Net operating income to assets-0.1535%6,057
Return on assets (ROA)-0.1535%6,112
Pretax return on assets-0.1580%6,055
Return on Equity (ROE)-1.1391%6,074
Retained earnings to average equity (ytd only)-4.0281%6,204
Net charge-offs to loans1.7972%1,173
Credit loss provision to net charge-offs120.0000%3,519
Earnings coverage of net charge-offs (x)1.0621%5,049
Efficiency ratio61.6422%5,786
Assets per employee ($millions)4.1579%3,465
Cash dividends to net income (ytd only)*-253.6232%7,638
Condition Ratios (%)
Loss allowance to loans0.9905%6,426
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets62.5052%4,169
Net loans and leases to deposits72.3216%4,462
Net loans and leases to core deposits95.1443%2,107
Total domestic deposits to total assets86.4267%3,120
Equity capital to assets12.9348%1,421
Core capital (leverage) ratio7.9762%6,233
Tier 1 risk-based capital ratio12.8500%4,729
Total risk-based capital ratio13.8795%4,894
Memoranda:
Average total assets$44,950,0006,698
Average earning assets$40,135,2006,710
Average equity$6,057,4006,338
Average total loans$28,656,2006,461
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7665%5,804
Cost of funding earning assets0.8311%6,649
Net interest margin3.9354%3,379
Noninterest income to average assets0.2294%6,257
Noninterest expense to average assets2.7439%4,708
Loan and lease loss provision to assets0.6316%2,413
Net operating income to assets0.1222%5,712
Return on assets (ROA)0.1222%5,875
Pretax return on assets0.3665%5,322
Return on Equity (ROE)0.8973%5,919
Retained earnings to average equity (ytd only)-2.4948%6,283
Net charge-offs to loans0.0793%5,731
Credit loss provision to net charge-offs1,247.0588%240
Earnings coverage of net charge-offs (x)19.7027%1,198
Efficiency ratio66.9586%4,663
Assets per employee ($millions)4.1567%3,529
Cash dividends to net income (ytd only)*378.0135%32
Condition Ratios (%)
Loss allowance to loans1.2582%5,173
Loan loss allowance to noncurrent loans60.3834%4,303
Noncurrent assets plus other real estate owned to assets1.3691%4,430
Noncurrent loans to loans2.0836%3,587
Net loans and leases to total assets64.8806%3,933
Net loans and leases to deposits75.7849%4,215
Net loans and leases to core deposits99.9933%1,853
Total domestic deposits to total assets85.6115%3,286
Equity capital to assets13.2359%1,480
Core capital (leverage) ratio8.5500%5,421
Tier 1 risk-based capital ratio12.5247%4,955
Total risk-based capital ratio13.7727%4,937
Memoranda:
Average total assets$44,753,2506,788
Average earning assets$39,944,0006,797
Average equity$6,092,7506,416
Average total loans$28,601,7506,551
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7998%5,800
Cost of funding earning assets0.8580%6,733
Net interest margin3.9418%3,275
Noninterest income to average assets0.1846%6,586
Noninterest expense to average assets2.7954%4,499
Loan and lease loss provision to assets0.5042%2,785
Net operating income to assets0.2431%5,398
Return on assets (ROA)0.2431%5,543
Pretax return on assets0.4006%5,222
Return on Equity (ROE)1.7687%5,703
Retained earnings to average equity (ytd only)-2.1617%6,171
Net charge-offs to loans0.1209%4,973
Credit loss provision to net charge-offs658.8235%563
Earnings coverage of net charge-offs (x)11.8235%1,725
Efficiency ratio68.9781%4,383
Assets per employee ($millions)3.9735%3,817
Cash dividends to net income (ytd only)*222.2222%96
Condition Ratios (%)
Loss allowance to loans0.9528%6,589
Loan loss allowance to noncurrent loans220.6349%1,274
Noncurrent assets plus other real estate owned to assets0.2883%6,693
Noncurrent loans to loans0.4318%6,375
Net loans and leases to total assets66.1183%3,808
Net loans and leases to deposits77.8697%3,993
Net loans and leases to core deposits96.8725%2,342
Total domestic deposits to total assets84.9089%3,681
Equity capital to assets13.9380%1,179
Core capital (leverage) ratio8.9039%4,745
Tier 1 risk-based capital ratio12.9739%4,473
Total risk-based capital ratio13.9453%4,663
Memoranda:
Average total assets$44,429,6706,850
Average earning assets$39,626,6706,862
Average equity$6,106,3306,436
Average total loans$28,121,0006,625
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7053%6,224
Cost of funding earning assets0.9091%6,735
Net interest margin3.7962%3,814
Noninterest income to average assets0.1875%6,614
Noninterest expense to average assets2.7684%4,616
Loan and lease loss provision to assets0.9824%1,268
Net operating income to assets-0.2947%6,662
Return on assets (ROA)-0.2947%6,717
Pretax return on assets-0.1697%6,529
Return on Equity (ROE)-2.1592%6,654
Retained earnings to average equity (ytd only)-6.0849%6,668
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.5736%4,201
Assets per employee ($millions)4.1177%3,621
Cash dividends to net income (ytd only)*-181.8182%7,904
Condition Ratios (%)
Loss allowance to loans0.9934%6,501
Loan loss allowance to noncurrent loans199.3197%1,425
Noncurrent assets plus other real estate owned to assets0.3245%6,666
Noncurrent loans to loans0.4984%6,301
Net loans and leases to total assets64.4729%4,224
Net loans and leases to deposits75.3237%4,527
Net loans and leases to core deposits94.8396%2,725
Total domestic deposits to total assets85.5944%3,363
Equity capital to assets13.3900%1,368
Core capital (leverage) ratio8.6614%5,094
Tier 1 risk-based capital ratio13.8982%3,726
Total risk-based capital ratio15.0083%3,782
Memoranda:
Average total assets$44,790,5006,926
Average earning assets$40,040,0006,930
Average equity$6,113,5006,478
Average total loans$27,593,0006,745
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4607%4,386
Cost of funding earning assets1.6600%4,735
Net interest margin3.8007%3,705
Noninterest income to average assets0.1578%6,943
Noninterest expense to average assets2.6385%5,633
Loan and lease loss provision to assets0.1315%6,321
Net operating income to assets0.4247%4,031
Return on assets (ROA)0.4602%4,010
Pretax return on assets0.5676%3,994
Return on Equity (ROE)3.4088%4,329
Retained earnings to average equity (ytd only)0.9739%4,350
Net charge-offs to loans0.3471%4,496
Credit loss provision to net charge-offs68.9655%6,510
Earnings coverage of net charge-offs (x)3.4368%3,345
Efficiency ratio72.9874%4,099
Assets per employee ($millions)4.0260%3,765
Cash dividends to net income (ytd only)*71.4286%1,502
Condition Ratios (%)
Loss allowance to loans0.7123%7,349
Loan loss allowance to noncurrent loans63.3218%4,222
Noncurrent assets plus other real estate owned to assets0.6526%5,832
Noncurrent loans to loans1.1250%5,082
Net loans and leases to total assets57.5961%5,729
Net loans and leases to deposits67.6973%5,867
Net loans and leases to core deposits96.8522%4,368
Total domestic deposits to total assets85.0788%3,517
Equity capital to assets13.9141%1,195
Core capital (leverage) ratio8.7443%4,848
Tier 1 risk-based capital ratio12.6384%4,408
Total risk-based capital ratio13.2563%4,895
Memoranda:
Average total assets$45,632,6006,889
Average earning assets$37,650,8007,026
Average equity$6,160,6006,544
Average total loans$25,067,2006,911
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5322%4,261
Cost of funding earning assets1.8082%4,350
Net interest margin3.7241%3,974
Noninterest income to average assets0.1479%7,121
Noninterest expense to average assets2.4944%6,086
Loan and lease loss provision to assets0.1160%6,207
Net operating income to assets0.4322%4,269
Return on assets (ROA)0.4322%4,369
Pretax return on assets0.5482%4,365
Return on Equity (ROE)3.2249%4,691
Retained earnings to average equity (ytd only)1.2769%4,607
Net charge-offs to loans0.4549%3,413
Credit loss provision to net charge-offs47.0588%6,355
Earnings coverage of net charge-offs (x)2.6942%3,879
Efficiency ratio71.6253%4,310
Assets per employee ($millions)4.1277%3,515
Cash dividends to net income (ytd only)*60.4047%1,582
Condition Ratios (%)
Loss allowance to loans0.5959%7,587
Loan loss allowance to noncurrent loans56.5068%4,575
Noncurrent assets plus other real estate owned to assets0.6431%5,844
Noncurrent loans to loans1.0546%5,209
Net loans and leases to total assets60.6167%5,485
Net loans and leases to deposits72.7410%5,546
Net loans and leases to core deposits109.3397%3,310
Total domestic deposits to total assets83.3322%4,050
Equity capital to assets13.5800%1,462
Core capital (leverage) ratio8.1135%6,169
Tier 1 risk-based capital ratio11.4147%5,513
Total risk-based capital ratio11.9619%6,208
Memoranda:
Average total assets$45,969,2506,922
Average earning assets$37,163,0007,108
Average equity$6,160,2506,607
Average total loans$24,911,5006,985
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6851%3,637
Cost of funding earning assets2.0411%3,570
Net interest margin3.6440%4,199
Noninterest income to average assets0.1473%7,212
Noninterest expense to average assets2.3745%6,542
Loan and lease loss provision to assets0.0867%6,304
Net operating income to assets0.4290%4,385
Return on assets (ROA)0.4290%4,497
Pretax return on assets0.5330%4,517
Return on Equity (ROE)3.2152%4,818
Retained earnings to average equity (ytd only)1.5913%4,443
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4906%4,510
Assets per employee ($millions)4.0198%3,636
Cash dividends to net income (ytd only)*50.5051%2,026
Condition Ratios (%)
Loss allowance to loans0.9717%6,435
Loan loss allowance to noncurrent loans61.3333%4,386
Noncurrent assets plus other real estate owned to assets0.8481%5,286
Noncurrent loans to loans1.5844%4,120
Net loans and leases to total assets53.0078%6,567
Net loans and leases to deposits64.5081%6,518
Net loans and leases to core deposits90.2368%5,513
Total domestic deposits to total assets82.1724%4,620
Equity capital to assets13.9559%1,326
Core capital (leverage) ratio7.7875%6,630
Tier 1 risk-based capital ratio11.9106%4,992
Total risk-based capital ratio12.7151%5,343
Memoranda:
Average total assets$46,157,3306,977
Average earning assets$36,059,0007,222
Average equity$6,158,3306,662
Average total loans$23,986,0007,087
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8666%2,953
Cost of funding earning assets2.2573%2,895
Net interest margin3.6093%4,282
Noninterest income to average assets0.1443%7,262
Noninterest expense to average assets2.3087%6,513
Loan and lease loss provision to assets0.1698%4,771
Net operating income to assets0.2886%5,338
Return on assets (ROA)0.2886%5,510
Pretax return on assets0.3395%5,556
Return on Equity (ROE)2.2107%5,699
Retained earnings to average equity (ytd only)2.2107%4,642
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.7952%3,862
Assets per employee ($millions)4.3222%3,029
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0648%5,719
Loan loss allowance to noncurrent loans92.7419%3,248
Noncurrent assets plus other real estate owned to assets0.5216%5,911
Noncurrent loans to loans1.1481%4,696
Net loans and leases to total assets44.9478%7,269
Net loans and leases to deposits54.3558%7,265
Net loans and leases to core deposits78.9756%6,463
Total domestic deposits to total assets82.6918%4,293
Equity capital to assets12.9606%1,763
Core capital (leverage) ratio7.4674%7,194
Tier 1 risk-based capital ratio12.5261%4,533
Total risk-based capital ratio13.3827%4,740
Memoranda:
Average total assets$47,127,0006,981
Average earning assets$34,909,5007,306
Average equity$6,152,0006,708
Average total loans$24,144,5007,125
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2058%4,487
Cost of funding earning assets2.3144%5,087
Net interest margin3.8914%3,601
Noninterest income to average assets0.1715%7,195
Noninterest expense to average assets2.5015%5,999
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.6339%4,172
Return on assets (ROA)0.6506%3,954
Pretax return on assets0.9160%3,671
Return on Equity (ROE)4.5746%4,566
Retained earnings to average equity (ytd only)2.5928%3,577
Net charge-offs to loans-0.0049%7,785
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2976%5,061
Assets per employee ($millions)4.2464%3,040
Cash dividends to net income (ytd only)*43.3213%3,497
Condition Ratios (%)
Loss allowance to loans0.7868%7,156
Loan loss allowance to noncurrent loans84.6774%3,973
Noncurrent assets plus other real estate owned to assets0.5309%5,586
Noncurrent loans to loans0.9292%4,755
Net loans and leases to total assets56.6881%6,361
Net loans and leases to deposits68.9396%6,381
Net loans and leases to core deposits99.3658%4,887
Total domestic deposits to total assets82.2286%4,108
Equity capital to assets13.1492%1,729
Core capital (leverage) ratio7.8272%6,761
Tier 1 risk-based capital ratio10.6581%6,039
Total risk-based capital ratio11.3360%6,514
Memoranda:
Average total assets$42,575,0007,099
Average earning assets$35,257,4007,272
Average equity$6,055,2006,784
Average total loans$20,530,4007,298