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New Republic Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6155%2,337
Cost of funding earning assets0.1427%4,032
Net interest margin3.4728%1,818
Noninterest income to average assets0.3580%3,293
Noninterest expense to average assets4.7616%188
Loan and lease loss provision to assets0.2226%451
Net operating income to assets-1.4645%4,808
Return on assets (ROA)-1.4822%4,808
Pretax return on assets-1.7442%4,807
Return on Equity (ROE)-8.7626%4,799
Retained earnings to average equity (ytd only)-8.7626%4,751
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio144.0966%42
Assets per employee ($millions)4.3407%4,241
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.6205%4,532
Loan loss allowance to noncurrent loans127.8788%3,147
Noncurrent assets plus other real estate owned to assets0.1901%2,611
Noncurrent loans to loans0.4852%1,914
Net loans and leases to total assets38.9269%4,149
Net loans and leases to deposits46.7743%4,056
Net loans and leases to core deposits47.3690%4,125
Total domestic deposits to total assets83.2228%3,760
Equity capital to assets15.8661%395
Core capital (leverage) ratio17.8694%249
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.5748%249
Memoranda:
Average total assets$81,296,2004,197
Average earning assets$67,956,6004,292
Average equity$13,751,6003,765
Average total loans$45,583,0004,075
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8728%1,844
Cost of funding earning assets0.1680%3,941
Net interest margin3.7048%1,319
Noninterest income to average assets0.4404%2,885
Noninterest expense to average assets4.9684%176
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets-1.0461%4,864
Return on assets (ROA)-1.0461%4,867
Pretax return on assets-1.4014%4,874
Return on Equity (ROE)-6.0816%4,860
Retained earnings to average equity (ytd only)-6.0816%4,804
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio137.4649%48
Assets per employee ($millions)2.5032%4,817
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.0873%4,853
Loan loss allowance to noncurrent loans18.0723%4,192
Noncurrent assets plus other real estate owned to assets0.3134%2,206
Noncurrent loans to loans0.4828%2,105
Net loans and leases to total assets52.7779%3,112
Net loans and leases to deposits68.4345%2,401
Net loans and leases to core deposits70.0720%2,593
Total domestic deposits to total assets77.1219%4,487
Equity capital to assets22.1007%132
Core capital (leverage) ratio17.4099%293
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$79,916,7504,269
Average earning assets$67,442,7504,351
Average equity$13,746,0003,810
Average total loans$48,477,5004,081
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9446%1,703
Cost of funding earning assets0.1596%4,126
Net interest margin3.7850%1,163
Noninterest income to average assets0.5562%2,385
Noninterest expense to average assets5.0553%174
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets-0.7000%4,883
Return on assets (ROA)-0.7000%4,887
Pretax return on assets-1.2020%4,902
Return on Equity (ROE)-4.3892%4,871
Retained earnings to average equity (ytd only)-4.3892%4,772
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio129.6024%58
Assets per employee ($millions)2.7323%4,824
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.0853%4,892
Loan loss allowance to noncurrent loans8.8757%4,257
Noncurrent assets plus other real estate owned to assets0.5293%1,570
Noncurrent loans to loans0.9606%1,287
Net loans and leases to total assets49.4876%3,609
Net loans and leases to deposits69.2838%2,487
Net loans and leases to core deposits70.9219%2,695
Total domestic deposits to total assets71.4274%4,723
Equity capital to assets20.7123%161
Core capital (leverage) ratio15.0034%471
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio35.2187%171
Memoranda:
Average total assets$84,861,0004,233
Average earning assets$73,924,3334,287
Average equity$13,533,3333,839
Average total loans$53,176,6674,018
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2010%1,203
Cost of funding earning assets0.3131%2,863
Net interest margin3.8880%1,009
Noninterest income to average assets0.1046%4,662
Noninterest expense to average assets4.3013%234
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets-0.5840%4,901
Return on assets (ROA)-0.5840%4,902
Pretax return on assets-0.8411%4,918
Return on Equity (ROE)-4.1312%4,897
Retained earnings to average equity (ytd only)-4.1312%4,665
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio122.7960%65
Assets per employee ($millions)4.1610%4,372
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.0491%4,924
Loan loss allowance to noncurrent loans8.7719%4,317
Noncurrent assets plus other real estate owned to assets0.5134%1,846
Noncurrent loans to loans0.5595%2,180
Net loans and leases to total assets66.7413%1,691
Net loans and leases to deposits84.0665%1,135
Net loans and leases to core deposits87.0501%1,450
Total domestic deposits to total assets79.3911%4,284
Equity capital to assets14.0655%658
Core capital (leverage) ratio10.8663%1,806
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0104%1,070
Memoranda:
Average total assets$91,786,5004,164
Average earning assets$79,219,0004,232
Average equity$12,974,5003,905
Average total loans$62,207,0003,875
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.6384%4,981
Cost of funding earning assets0.0851%4,901
Net interest margin0.5532%4,979
Noninterest income to average assets0.0303%4,898
Noninterest expense to average assets0.6865%4,966
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets-0.1544%4,807
Return on assets (ROA)-0.1544%4,821
Pretax return on assets-0.1544%4,809
Return on Equity (ROE)-1.4066%4,830
Retained earnings to average equity (ytd only)-1.4066%4,667
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio121.7617%74
Assets per employee ($millions)4.1832%4,224
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.0000%4,951
Loan loss allowance to noncurrent loans0.0000%4,411
Noncurrent assets plus other real estate owned to assets0.5194%1,996
Noncurrent loans to loans0.5451%2,347
Net loans and leases to total assets68.7678%1,724
Net loans and leases to deposits90.0960%923
Net loans and leases to core deposits94.0567%1,247
Total domestic deposits to total assets76.3273%4,485
Equity capital to assets14.2052%748
Core capital (leverage) ratio13.4058%804
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.6780%1,109
Memoranda:
Average total assets$72,543,4004,349
Average earning assets$65,793,8004,357
Average equity$7,962,4004,425
Average total loans$59,236,2003,937
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6335%172
Cost of funding earning assets1.6554%56
Net interest margin3.9781%1,164
Noninterest income to average assets0.1694%4,455
Noninterest expense to average assets3.5780%635
Loan and lease loss provision to assets0.0828%3,280
Net operating income to assets0.3231%4,404
Return on assets (ROA)0.3231%4,459
Pretax return on assets0.1734%4,680
Return on Equity (ROE)3.2710%4,338
Retained earnings to average equity (ytd only)3.2710%3,408
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.3196%277
Assets per employee ($millions)4.6519%3,653
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.0001%3,705
Loan loss allowance to noncurrent loans214.5907%2,093
Noncurrent assets plus other real estate owned to assets0.7739%1,496
Noncurrent loans to loans0.4660%2,658
Net loans and leases to total assets85.5470%174
Net loans and leases to deposits109.2238%243
Net loans and leases to core deposits125.8921%306
Total domestic deposits to total assets78.3227%4,149
Equity capital to assets9.7079%3,509
Core capital (leverage) ratio9.5380%3,221
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8387%1,880
Memoranda:
Average total assets$67,671,7504,424
Average earning assets$62,339,5004,425
Average equity$6,684,7504,579
Average total loans$58,223,5003,971
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7240%221
Cost of funding earning assets1.7620%57
Net interest margin3.9620%1,418
Noninterest income to average assets0.1493%4,559
Noninterest expense to average assets3.5807%674
Loan and lease loss provision to assets0.1105%2,909
Net operating income to assets0.3614%4,311
Return on assets (ROA)0.3614%4,368
Pretax return on assets0.1045%4,720
Return on Equity (ROE)3.6364%4,212
Retained earnings to average equity (ytd only)3.6364%3,104
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.3352%288
Assets per employee ($millions)4.7313%3,501
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.0008%3,575
Loan loss allowance to noncurrent loans161.6216%2,476
Noncurrent assets plus other real estate owned to assets0.9469%1,288
Noncurrent loans to loans0.6192%2,310
Net loans and leases to total assets83.3521%306
Net loans and leases to deposits106.9982%294
Net loans and leases to core deposits123.7708%347
Total domestic deposits to total assets77.9005%4,198
Equity capital to assets9.4843%3,671
Core capital (leverage) ratio9.8022%3,026
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8081%1,890
Memoranda:
Average total assets$66,969,6674,446
Average earning assets$61,635,3334,443
Average equity$6,655,0004,608
Average total loans$57,532,6673,987
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8607%201
Cost of funding earning assets1.8910%53
Net interest margin3.9697%1,482
Noninterest income to average assets0.1601%4,574
Noninterest expense to average assets3.6694%727
Loan and lease loss provision to assets0.0431%3,240
Net operating income to assets0.0862%4,667
Return on assets (ROA)0.0862%4,661
Pretax return on assets0.0924%4,670
Return on Equity (ROE)0.8463%4,647
Retained earnings to average equity (ytd only)0.8463%3,781
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.4401%312
Assets per employee ($millions)4.3683%3,448
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.0009%3,706
Loan loss allowance to noncurrent loans389.0411%1,210
Noncurrent assets plus other real estate owned to assets0.6883%1,939
Noncurrent loans to loans0.2573%3,573
Net loans and leases to total assets85.7398%158
Net loans and leases to deposits112.4790%158
Net loans and leases to core deposits136.6835%194
Total domestic deposits to total assets76.2274%4,459
Equity capital to assets10.1091%3,684
Core capital (leverage) ratio9.9900%3,469
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0462%1,890
Memoranda:
Average total assets$64,969,5004,484
Average earning assets$59,652,0004,485
Average equity$6,617,0004,648
Average total loans$56,422,5004,022
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8386%301
Cost of funding earning assets1.9591%74
Net interest margin3.8795%2,244
Noninterest income to average assets0.2258%4,312
Noninterest expense to average assets3.8606%619
Loan and lease loss provision to assets0.0031%3,938
Net operating income to assets-0.0650%4,995
Return on assets (ROA)-0.0650%5,005
Pretax return on assets-0.0820%5,001
Return on Equity (ROE)-0.6363%5,009
Retained earnings to average equity (ytd only)-0.6363%4,778
Net charge-offs to loans0.0199%3,024
Credit loss provision to net charge-offs18.1818%3,325
Earnings coverage of net charge-offs (x)-4.6364%3,679
Efficiency ratio102.0859%142
Assets per employee ($millions)4.2935%3,518
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.0001%3,513
Loan loss allowance to noncurrent loans273.6585%1,647
Noncurrent assets plus other real estate owned to assets0.7919%1,633
Noncurrent loans to loans0.3654%3,142
Net loans and leases to total assets86.2318%150
Net loans and leases to deposits112.2191%152
Net loans and leases to core deposits138.9209%182
Total domestic deposits to total assets76.8423%4,508
Equity capital to assets10.2217%3,710
Core capital (leverage) ratio10.0933%3,417
Tier 1 risk-based capital ratio14.4981%3,019
Total risk-based capital ratio15.7463%2,921
Memoranda:
Average total assets$64,653,2004,525
Average earning assets$59,260,4004,531
Average equity$6,600,2004,684
Average total loans$55,392,2004,071
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8306%333
Cost of funding earning assets1.9585%75
Net interest margin3.8721%2,358
Noninterest income to average assets0.2740%4,107
Noninterest expense to average assets3.9309%571
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets-0.1092%5,087
Return on assets (ROA)-0.1092%5,095
Pretax return on assets-0.1092%5,089
Return on Equity (ROE)-1.0699%5,100
Retained earnings to average equity (ytd only)-1.0699%4,865
Net charge-offs to loans0.0266%2,562
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)-4.8166%3,421
Efficiency ratio102.8571%133
Assets per employee ($millions)3.9643%3,949
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.0317%3,388
Loan loss allowance to noncurrent loans143.7018%2,697
Noncurrent assets plus other real estate owned to assets1.4741%767
Noncurrent loans to loans0.7179%2,167
Net loans and leases to total assets84.5433%291
Net loans and leases to deposits110.5374%212
Net loans and leases to core deposits139.1953%191
Total domestic deposits to total assets76.4839%4,589
Equity capital to assets10.3612%3,668
Core capital (leverage) ratio10.0589%3,579
Tier 1 risk-based capital ratio14.7974%2,954
Total risk-based capital ratio16.0459%2,881
Memoranda:
Average total assets$64,716,0004,580
Average earning assets$59,294,7504,585
Average equity$6,604,5004,741
Average total loans$55,216,2504,118
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7791%347
Cost of funding earning assets1.9219%78
Net interest margin3.8572%2,382
Noninterest income to average assets0.2303%4,378
Noninterest expense to average assets3.8560%626
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets-0.0890%5,127
Return on assets (ROA)-0.0890%5,132
Pretax return on assets-0.0890%5,129
Return on Equity (ROE)-0.8768%5,139
Retained earnings to average equity (ytd only)-0.8768%4,816
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio102.3635%143
Assets per employee ($millions)4.0494%3,810
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.0202%3,501
Loan loss allowance to noncurrent loans205.7762%2,111
Noncurrent assets plus other real estate owned to assets1.3150%955
Noncurrent loans to loans0.4958%2,796
Net loans and leases to total assets85.3573%263
Net loans and leases to deposits112.0946%182
Net loans and leases to core deposits142.5555%178
Total domestic deposits to total assets76.1476%4,649
Equity capital to assets10.1806%3,807
Core capital (leverage) ratio9.9252%3,669
Tier 1 risk-based capital ratio14.4009%3,118
Total risk-based capital ratio15.6494%3,037
Memoranda:
Average total assets$65,145,0004,605
Average earning assets$59,732,0004,612
Average equity$6,615,3304,767
Average total loans$55,560,3304,132
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7039%363
Cost of funding earning assets1.8680%80
Net interest margin3.8360%2,396
Noninterest income to average assets0.2449%4,254
Noninterest expense to average assets3.7659%684
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.0000%5,147
Return on assets (ROA)0.0000%5,150
Pretax return on assets0.0000%5,142
Return on Equity (ROE)0.0000%5,150
Retained earnings to average equity (ytd only)0.0000%4,528
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio100.0000%174
Assets per employee ($millions)4.3615%3,397
Cash dividends to net income (ytd only)*NANA
Condition Ratios (%)
Loss allowance to loans1.0373%3,481
Loan loss allowance to noncurrent loans108.9866%3,247
Noncurrent assets plus other real estate owned to assets1.5423%763
Noncurrent loans to loans0.9518%1,756
Net loans and leases to total assets83.1176%455
Net loans and leases to deposits108.8801%250
Net loans and leases to core deposits143.9905%158
Total domestic deposits to total assets76.3386%4,723
Equity capital to assets10.1264%3,697
Core capital (leverage) ratio10.0077%3,600
Tier 1 risk-based capital ratio14.3643%3,162
Total risk-based capital ratio15.6129%3,093
Memoranda:
Average total assets$65,322,5004,648
Average earning assets$59,958,5004,650
Average equity$6,625,0004,802
Average total loans$55,404,0004,179
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6142%329
Cost of funding earning assets1.5853%62
Net interest margin4.0289%1,894
Noninterest income to average assets0.0275%5,308
Noninterest expense to average assets3.7123%759
Loan and lease loss provision to assets-0.0260%5,143
Net operating income to assets0.0872%5,191
Return on assets (ROA)0.0872%5,182
Pretax return on assets0.0887%5,184
Return on Equity (ROE)0.8653%5,175
Retained earnings to average equity (ytd only)0.8653%4,753
Net charge-offs to loans0.0581%2,307
Credit loss provision to net charge-offs-53.1250%4,337
Earnings coverage of net charge-offs (x)1.2813%3,641
Efficiency ratio98.3387%168
Assets per employee ($millions)4.3483%3,389
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.0206%3,556
Loan loss allowance to noncurrent loans172.7273%2,467
Noncurrent assets plus other real estate owned to assets1.2511%1,027
Noncurrent loans to loans0.5909%2,516
Net loans and leases to total assets84.7510%342
Net loans and leases to deposits111.1138%224
Net loans and leases to core deposits145.5527%161
Total domestic deposits to total assets76.2741%4,722
Equity capital to assets10.1542%3,522
Core capital (leverage) ratio9.7906%3,811
Tier 1 risk-based capital ratio13.8063%3,381
Total risk-based capital ratio15.0262%3,331
Memoranda:
Average total assets$65,377,6004,670
Average earning assets$60,810,0004,653
Average equity$6,587,4004,815
Average total loans$55,123,0004,207
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5275%340
Cost of funding earning assets1.5019%66
Net interest margin4.0255%1,873
Noninterest income to average assets-0.2506%5,458
Noninterest expense to average assets3.6890%768
Loan and lease loss provision to assets-0.3646%5,442
Net operating income to assets0.1548%5,228
Return on assets (ROA)0.1548%5,220
Pretax return on assets0.1813%5,210
Return on Equity (ROE)1.5325%5,182
Retained earnings to average equity (ytd only)1.5325%4,713
Net charge-offs to loans0.0777%1,746
Credit loss provision to net charge-offs-559.3750%4,518
Earnings coverage of net charge-offs (x)-2.8123%3,447
Efficiency ratio105.2295%105
Assets per employee ($millions)3.9456%3,974
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.7167%4,844
Loan loss allowance to noncurrent loans58.7050%4,228
Noncurrent assets plus other real estate owned to assets1.3537%993
Noncurrent loans to loans1.2209%1,382
Net loans and leases to total assets84.2596%429
Net loans and leases to deposits109.5692%302
Net loans and leases to core deposits160.9741%87
Total domestic deposits to total assets76.9008%4,657
Equity capital to assets9.9022%3,734
Core capital (leverage) ratio9.8194%3,830
Tier 1 risk-based capital ratio13.8660%3,434
Total risk-based capital ratio14.7404%3,546
Memoranda:
Average total assets$65,454,7504,714
Average earning assets$61,075,5004,698
Average equity$6,612,0004,858
Average total loans$54,941,7504,252
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4497%351
Cost of funding earning assets1.4390%64
Net interest margin4.0107%1,824
Noninterest income to average assets-0.5084%5,529
Noninterest expense to average assets3.6448%826
Loan and lease loss provision to assets-0.5669%5,518
Net operating income to assets0.0955%5,294
Return on assets (ROA)0.0955%5,288
Pretax return on assets0.1664%5,259
Return on Equity (ROE)0.9391%5,277
Retained earnings to average equity (ytd only)0.9391%4,773
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio112.3457%84
Assets per employee ($millions)3.8391%4,148
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.7786%4,757
Loan loss allowance to noncurrent loans45.4545%4,497
Noncurrent assets plus other real estate owned to assets1.7927%652
Noncurrent loans to loans1.7128%930
Net loans and leases to total assets84.9427%363
Net loans and leases to deposits109.0979%309
Net loans and leases to core deposits157.5765%88
Total domestic deposits to total assets77.8592%4,612
Equity capital to assets10.1082%3,535
Core capital (leverage) ratio9.6406%3,956
Tier 1 risk-based capital ratio13.8589%3,433
Total risk-based capital ratio14.7972%3,496
Memoranda:
Average total assets$64,914,3304,774
Average earning assets$60,737,3304,757
Average equity$6,602,0004,908
Average total loans$54,280,3304,296
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4272%317
Cost of funding earning assets1.2758%91
Net interest margin4.1514%1,295
Noninterest income to average assets0.1668%5,024
Noninterest expense to average assets3.5712%902
Loan and lease loss provision to assets0.0062%3,427
Net operating income to assets0.3769%4,972
Return on assets (ROA)0.3769%4,977
Pretax return on assets0.4696%4,923
Return on Equity (ROE)3.6945%4,848
Retained earnings to average equity (ytd only)3.6945%3,718
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.2443%523
Assets per employee ($millions)4.9831%2,512
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.1409%3,135
Loan loss allowance to noncurrent loans77.7917%3,881
Noncurrent assets plus other real estate owned to assets1.8964%624
Noncurrent loans to loans1.4667%1,210
Net loans and leases to total assets77.0050%1,391
Net loans and leases to deposits103.7486%492
Net loans and leases to core deposits154.7576%101
Total domestic deposits to total assets74.2227%5,130
Equity capital to assets9.5108%4,081
Core capital (leverage) ratio10.1318%3,380
Tier 1 risk-based capital ratio13.6445%3,575
Total risk-based capital ratio14.8943%3,483
Memoranda:
Average total assets$64,739,5004,835
Average earning assets$60,510,0004,813
Average equity$6,604,5004,958
Average total loans$53,484,5004,365
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5525%248
Cost of funding earning assets0.9633%266
Net interest margin4.5892%512
Noninterest income to average assets0.1736%5,089
Noninterest expense to average assets3.5360%975
Loan and lease loss provision to assets0.0178%3,943
Net operating income to assets0.5255%4,309
Return on assets (ROA)0.5255%4,342
Pretax return on assets0.8775%3,983
Return on Equity (ROE)4.8599%4,217
Retained earnings to average equity (ytd only)-0.9450%5,179
Net charge-offs to loans0.1767%1,410
Credit loss provision to net charge-offs11.4583%3,657
Earnings coverage of net charge-offs (x)5.7500%3,275
Efficiency ratio79.7950%1,126
Assets per employee ($millions)3.9811%3,993
Cash dividends to net income (ytd only)*119.4444%221
Condition Ratios (%)
Loss allowance to loans1.1762%2,917
Loan loss allowance to noncurrent loans102.3140%3,480
Noncurrent assets plus other real estate owned to assets1.9375%600
Noncurrent loans to loans1.1496%1,545
Net loans and leases to total assets87.0939%183
Net loans and leases to deposits113.5568%187
Net loans and leases to core deposits185.8062%49
Total domestic deposits to total assets76.6964%4,896
Equity capital to assets11.0088%2,615
Core capital (leverage) ratio10.5808%2,759
Tier 1 risk-based capital ratio15.4470%2,643
Total risk-based capital ratio16.6992%2,581
Memoranda:
Average total assets$61,651,4004,930
Average earning assets$57,199,4004,928
Average equity$6,666,8004,996
Average total loans$54,343,2004,352
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5767%234
Cost of funding earning assets0.9187%315
Net interest margin4.6581%444
Noninterest income to average assets0.3884%3,765
Noninterest expense to average assets3.3586%1,228
Loan and lease loss provision to assets0.0429%3,243
Net operating income to assets0.9121%2,964
Return on assets (ROA)0.9121%3,023
Pretax return on assets1.3070%2,448
Return on Equity (ROE)8.4704%2,897
Retained earnings to average equity (ytd only)0.7574%5,045
Net charge-offs to loans0.2556%849
Credit loss provision to net charge-offs19.0476%3,165
Earnings coverage of net charge-offs (x)5.9904%3,036
Efficiency ratio71.3309%2,318
Assets per employee ($millions)4.0442%3,912
Cash dividends to net income (ytd only)*91.0597%431
Condition Ratios (%)
Loss allowance to loans1.1583%3,155
Loan loss allowance to noncurrent loans257.9167%1,800
Noncurrent assets plus other real estate owned to assets1.6270%903
Noncurrent loans to loans0.4491%3,355
Net loans and leases to total assets87.0712%200
Net loans and leases to deposits118.6060%120
Net loans and leases to core deposits198.4521%42
Total domestic deposits to total assets73.4121%5,284
Equity capital to assets11.0677%2,799
Core capital (leverage) ratio10.5704%2,908
Tier 1 risk-based capital ratio14.7018%3,065
Total risk-based capital ratio15.9541%2,993
Memoranda:
Average total assets$62,127,0004,978
Average earning assets$57,619,0004,971
Average equity$6,689,7505,052
Average total loans$54,772,0004,368
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5083%245
Cost of funding earning assets0.8681%370
Net interest margin4.6402%440
Noninterest income to average assets0.3194%4,269
Noninterest expense to average assets3.3698%1,229
Loan and lease loss provision to assets0.0639%2,690
Net operating income to assets0.8656%3,097
Return on assets (ROA)0.8656%3,151
Pretax return on assets1.1882%2,810
Return on Equity (ROE)8.1117%2,960
Retained earnings to average equity (ytd only)-3.4722%5,465
Net charge-offs to loans0.3803%543
Credit loss provision to net charge-offs19.0476%2,792
Earnings coverage of net charge-offs (x)3.7333%3,008
Efficiency ratio72.9095%2,199
Assets per employee ($millions)4.1883%3,647
Cash dividends to net income (ytd only)*142.8044%181
Condition Ratios (%)
Loss allowance to loans1.1266%3,435
Loan loss allowance to noncurrent loans200.9740%2,239
Noncurrent assets plus other real estate owned to assets1.5583%962
Noncurrent loans to loans0.5606%3,055
Net loans and leases to total assets86.4672%241
Net loans and leases to deposits120.9543%89
Net loans and leases to core deposits202.1471%41
Total domestic deposits to total assets71.4875%5,483
Equity capital to assets10.4417%3,414
Core capital (leverage) ratio10.1580%3,326
Tier 1 risk-based capital ratio14.1073%3,370
Total risk-based capital ratio15.3582%3,280
Memoranda:
Average total assets$62,615,0005,003
Average earning assets$58,057,3304,999
Average equity$6,681,6705,081
Average total loans$55,216,3304,382
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4878%234
Cost of funding earning assets0.8225%435
Net interest margin4.6653%395
Noninterest income to average assets0.3647%3,925
Noninterest expense to average assets3.3979%1,209
Loan and lease loss provision to assets0.1280%1,506
Net operating income to assets0.9406%2,559
Return on assets (ROA)0.9406%2,619
Pretax return on assets1.1582%2,750
Return on Equity (ROE)8.7208%2,557
Retained earnings to average equity (ytd only)8.7208%1,178
Net charge-offs to loans0.3396%542
Credit loss provision to net charge-offs42.5532%2,051
Earnings coverage of net charge-offs (x)4.2766%2,402
Efficiency ratio72.5410%2,478
Assets per employee ($millions)4.4730%3,206
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.2242%2,977
Loan loss allowance to noncurrent loans106.4465%3,504
Noncurrent assets plus other real estate owned to assets2.2963%532
Noncurrent loans to loans1.1501%1,771
Net loans and leases to total assets87.2265%145
Net loans and leases to deposits121.4033%80
Net loans and leases to core deposits202.5099%41
Total domestic deposits to total assets71.8486%5,546
Equity capital to assets10.8923%2,750
Core capital (leverage) ratio10.6056%2,784
Tier 1 risk-based capital ratio14.1333%3,396
Total risk-based capital ratio15.3863%3,317
Memoranda:
Average total assets$62,510,0005,061
Average earning assets$57,874,0005,052
Average equity$6,742,5005,115
Average total loans$55,353,5004,413
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5157%246
Cost of funding earning assets0.7446%651
Net interest margin4.7711%371
Noninterest income to average assets-0.0564%5,883
Noninterest expense to average assets3.8694%717
Loan and lease loss provision to assets0.0870%2,624
Net operating income to assets0.3383%5,115
Return on assets (ROA)0.3383%5,192
Pretax return on assets0.4156%5,194
Return on Equity (ROE)3.1448%5,121
Retained earnings to average equity (ytd only)-2.5758%5,564
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.5041%640
Assets per employee ($millions)4.1599%3,687
Cash dividends to net income (ytd only)*181.9048%103
Condition Ratios (%)
Loss allowance to loans1.2706%2,702
Loan loss allowance to noncurrent loans85.6448%3,902
Noncurrent assets plus other real estate owned to assets2.7180%419
Noncurrent loans to loans1.4836%1,362
Net loans and leases to total assets87.6679%142
Net loans and leases to deposits121.0324%83
Net loans and leases to core deposits201.1953%37
Total domestic deposits to total assets72.4334%5,527
Equity capital to assets10.6798%2,950
Core capital (leverage) ratio10.3351%3,065
Tier 1 risk-based capital ratio14.3101%3,275
Total risk-based capital ratio15.5652%3,202
Memoranda:
Average total assets$62,077,2005,087
Average earning assets$57,617,4005,088
Average equity$6,677,6005,153
Average total loans$54,406,8004,444
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4670%261
Cost of funding earning assets0.7291%701
Net interest margin4.7380%402
Noninterest income to average assets0.0323%5,875
Noninterest expense to average assets3.5828%1,018
Loan and lease loss provision to assets-0.1462%5,836
Net operating income to assets0.6452%4,103
Return on assets (ROA)0.6452%4,226
Pretax return on assets0.9978%3,644
Return on Equity (ROE)5.9838%4,071
Retained earnings to average equity (ytd only)-1.6356%5,570
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.7953%1,323
Assets per employee ($millions)4.1672%3,662
Cash dividends to net income (ytd only)*127.3332%188
Condition Ratios (%)
Loss allowance to loans1.0610%4,064
Loan loss allowance to noncurrent loans141.2621%2,914
Noncurrent assets plus other real estate owned to assets2.1773%681
Noncurrent loans to loans0.7511%2,793
Net loans and leases to total assets86.8209%197
Net loans and leases to deposits118.7060%126
Net loans and leases to core deposits195.1948%47
Total domestic deposits to total assets73.1394%5,511
Equity capital to assets10.7778%3,269
Core capital (leverage) ratio10.1925%3,338
Tier 1 risk-based capital ratio14.3623%3,355
Total risk-based capital ratio15.6164%3,288
Memoranda:
Average total assets$61,999,2505,141
Average earning assets$57,604,2505,129
Average equity$6,684,5005,206
Average total loans$54,156,7504,489
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5184%249
Cost of funding earning assets0.7193%725
Net interest margin4.7990%369
Noninterest income to average assets-0.1294%6,035
Noninterest expense to average assets3.5743%1,043
Loan and lease loss provision to assets-0.2685%5,969
Net operating income to assets0.6728%3,947
Return on assets (ROA)0.6728%4,080
Pretax return on assets1.0319%3,473
Return on Equity (ROE)6.2397%3,941
Retained earnings to average equity (ytd only)-5.2197%5,753
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.4012%1,223
Assets per employee ($millions)4.4600%3,104
Cash dividends to net income (ytd only)*183.6538%137
Condition Ratios (%)
Loss allowance to loans1.0345%4,326
Loan loss allowance to noncurrent loans171.8182%2,588
Noncurrent assets plus other real estate owned to assets1.9283%865
Noncurrent loans to loans0.6021%3,260
Net loans and leases to total assets86.8738%198
Net loans and leases to deposits117.3198%133
Net loans and leases to core deposits191.4449%50
Total domestic deposits to total assets74.0487%5,513
Equity capital to assets10.6454%3,478
Core capital (leverage) ratio10.2776%3,234
Tier 1 risk-based capital ratio14.6644%3,224
Total risk-based capital ratio15.9190%3,164
Memoranda:
Average total assets$61,829,6705,205
Average earning assets$57,553,3305,183
Average equity$6,667,0005,255
Average total loans$53,925,0004,532
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3672%306
Cost of funding earning assets0.6970%818
Net interest margin4.6701%442
Noninterest income to average assets-0.2536%6,112
Noninterest expense to average assets3.6993%896
Loan and lease loss provision to assets-0.5396%6,088
Net operating income to assets0.6111%4,126
Return on assets (ROA)0.6111%4,247
Pretax return on assets0.9427%3,684
Return on Equity (ROE)5.6313%4,159
Retained earnings to average equity (ytd only)-17.2533%5,934
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.1743%665
Assets per employee ($millions)4.7865%2,616
Cash dividends to net income (ytd only)*406.3830%66
Condition Ratios (%)
Loss allowance to loans1.0508%4,332
Loan loss allowance to noncurrent loans57.2149%4,649
Noncurrent assets plus other real estate owned to assets2.6501%538
Noncurrent loans to loans1.8366%1,207
Net loans and leases to total assets85.8061%228
Net loans and leases to deposits112.0974%182
Net loans and leases to core deposits179.5232%51
Total domestic deposits to total assets76.5460%5,356
Equity capital to assets10.4992%3,499
Core capital (leverage) ratio10.2653%3,242
Tier 1 risk-based capital ratio14.5688%3,359
Total risk-based capital ratio15.8216%3,294
Memoranda:
Average total assets$61,524,5005,255
Average earning assets$57,386,0005,231
Average equity$6,677,0005,288
Average total loans$53,482,0004,572
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6257%224
Cost of funding earning assets0.6173%1,260
Net interest margin5.0084%250
Noninterest income to average assets0.1469%5,676
Noninterest expense to average assets3.4383%1,415
Loan and lease loss provision to assets-0.1169%5,879
Net operating income to assets0.9067%2,828
Return on assets (ROA)0.9067%2,913
Pretax return on assets1.4996%1,559
Return on Equity (ROE)8.1554%2,869
Retained earnings to average equity (ytd only)3.8449%3,302
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.3197%3,013
Assets per employee ($millions)3.8016%4,289
Cash dividends to net income (ytd only)*52.8545%2,143
Condition Ratios (%)
Loss allowance to loans1.2263%3,311
Loan loss allowance to noncurrent loans75.9346%4,223
Noncurrent assets plus other real estate owned to assets2.0830%827
Noncurrent loans to loans1.6149%1,420
Net loans and leases to total assets86.0748%227
Net loans and leases to deposits113.0289%181
Net loans and leases to core deposits186.6355%50
Total domestic deposits to total assets76.1529%5,426
Equity capital to assets11.2141%2,626
Core capital (leverage) ratio10.9018%2,490
Tier 1 risk-based capital ratio15.4216%2,975
Total risk-based capital ratio16.6793%2,907
Memoranda:
Average total assets$59,884,6005,323
Average earning assets$55,886,4005,297
Average equity$6,658,2005,310
Average total loans$52,705,4004,590
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6240%217
Cost of funding earning assets0.6084%1,355
Net interest margin5.0156%243
Noninterest income to average assets0.2817%4,930
Noninterest expense to average assets3.5014%1,286
Loan and lease loss provision to assets0.1923%1,052
Net operating income to assets0.8139%3,366
Return on assets (ROA)0.8139%3,455
Pretax return on assets1.2700%2,510
Return on Equity (ROE)7.3353%3,445
Retained earnings to average equity (ytd only)1.5516%5,089
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.5405%3,126
Assets per employee ($millions)3.8242%4,216
Cash dividends to net income (ytd only)*78.8469%771
Condition Ratios (%)
Loss allowance to loans1.5100%2,117
Loan loss allowance to noncurrent loans91.3832%3,868
Noncurrent assets plus other real estate owned to assets2.2014%868
Noncurrent loans to loans1.6524%1,486
Net loans and leases to total assets85.9169%234
Net loans and leases to deposits112.0060%209
Net loans and leases to core deposits207.6798%41
Total domestic deposits to total assets76.7075%5,392
Equity capital to assets10.8765%3,158
Core capital (leverage) ratio10.8166%2,695
Tier 1 risk-based capital ratio15.9763%2,808
Total risk-based capital ratio17.2387%2,746
Memoranda:
Average total assets$59,632,0005,397
Average earning assets$55,664,5005,369
Average equity$6,616,2505,385
Average total loans$52,630,5004,643
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5770%238
Cost of funding earning assets0.6048%1,375
Net interest margin4.9723%262
Noninterest income to average assets0.2301%5,315
Noninterest expense to average assets3.4882%1,321
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.8864%2,957
Return on assets (ROA)0.8864%3,071
Pretax return on assets1.3872%2,037
Return on Equity (ROE)7.9354%3,096
Retained earnings to average equity (ytd only)-0.7572%5,653
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.5475%3,063
Assets per employee ($millions)3.9255%4,028
Cash dividends to net income (ytd only)*109.5420%409
Condition Ratios (%)
Loss allowance to loans1.3690%2,897
Loan loss allowance to noncurrent loans49.6552%5,004
Noncurrent assets plus other real estate owned to assets3.2913%463
Noncurrent loans to loans2.7570%766
Net loans and leases to total assets88.0950%134
Net loans and leases to deposits109.5569%268
Net loans and leases to core deposits176.2949%59
Total domestic deposits to total assets80.4103%4,774
Equity capital to assets11.1272%2,748
Core capital (leverage) ratio10.7758%2,648
Tier 1 risk-based capital ratio15.1675%3,265
Total risk-based capital ratio16.4267%3,194
Memoranda:
Average total assets$59,113,6705,465
Average earning assets$55,226,3305,434
Average equity$6,603,3305,430
Average total loans$52,382,0004,693
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6766%198
Cost of funding earning assets0.6139%1,340
Net interest margin5.0627%223
Noninterest income to average assets0.2161%5,406
Noninterest expense to average assets3.6266%1,107
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.8509%3,005
Return on assets (ROA)0.8509%3,120
Pretax return on assets1.3237%2,185
Return on Equity (ROE)7.6030%3,164
Retained earnings to average equity (ytd only)7.6030%1,721
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2606%2,950
Assets per employee ($millions)3.9071%4,149
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.3839%2,997
Loan loss allowance to noncurrent loans155.8442%2,706
Noncurrent assets plus other real estate owned to assets1.5169%1,718
Noncurrent loans to loans0.8880%3,023
Net loans and leases to total assets87.5459%124
Net loans and leases to deposits111.1453%200
Net loans and leases to core deposits180.8148%54
Total domestic deposits to total assets78.7670%5,301
Equity capital to assets11.4355%2,528
Core capital (leverage) ratio11.4794%2,013
Tier 1 risk-based capital ratio16.9568%2,490
Total risk-based capital ratio18.2117%2,446
Memoranda:
Average total assets$59,229,0005,519
Average earning assets$55,385,0005,480
Average equity$6,629,0005,476
Average total loans$52,276,5004,726
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5895%276
Cost of funding earning assets0.6480%1,420
Net interest margin4.9415%333
Noninterest income to average assets0.0370%6,321
Noninterest expense to average assets3.3594%1,783
Loan and lease loss provision to assets0.6175%222
Net operating income to assets0.4406%5,061
Return on assets (ROA)0.4406%5,151
Pretax return on assets0.7204%4,555
Return on Equity (ROE)4.2301%5,009
Retained earnings to average equity (ytd only)-2.0379%6,018
Net charge-offs to loans0.4309%983
Credit loss provision to net charge-offs167.6856%1,459
Earnings coverage of net charge-offs (x)3.6332%3,843
Efficiency ratio71.5166%3,288
Assets per employee ($millions)3.9901%3,977
Cash dividends to net income (ytd only)*148.1752%152
Condition Ratios (%)
Loss allowance to loans1.3708%3,081
Loan loss allowance to noncurrent loans211.1437%2,141
Noncurrent assets plus other real estate owned to assets1.3283%2,115
Noncurrent loans to loans0.6492%3,742
Net loans and leases to total assets86.5566%176
Net loans and leases to deposits109.3394%259
Net loans and leases to core deposits175.0228%60
Total domestic deposits to total assets79.1633%5,216
Equity capital to assets10.9539%2,945
Core capital (leverage) ratio10.9539%2,448
Tier 1 risk-based capital ratio16.6675%2,650
Total risk-based capital ratio17.8573%2,619
Memoranda:
Average total assets$62,183,8005,496
Average earning assets$58,645,6005,439
Average equity$6,477,4005,531
Average total loans$53,147,8004,718
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5077%316
Cost of funding earning assets0.6387%1,536
Net interest margin4.8690%363
Noninterest income to average assets-0.0658%6,516
Noninterest expense to average assets3.2245%2,109
Loan and lease loss provision to assets0.5396%272
Net operating income to assets0.4588%5,037
Return on assets (ROA)0.4588%5,115
Pretax return on assets0.7690%4,468
Return on Equity (ROE)4.4596%4,983
Retained earnings to average equity (ytd only)-3.9229%6,202
Net charge-offs to loans0.5728%651
Credit loss provision to net charge-offs110.9170%2,028
Earnings coverage of net charge-offs (x)2.6899%3,848
Efficiency ratio71.1340%3,321
Assets per employee ($millions)4.3597%3,195
Cash dividends to net income (ytd only)*187.9649%99
Condition Ratios (%)
Loss allowance to loans1.0954%4,773
Loan loss allowance to noncurrent loans102.9668%3,602
Noncurrent assets plus other real estate owned to assets0.9802%3,001
Noncurrent loans to loans1.0638%2,948
Net loans and leases to total assets81.4591%563
Net loans and leases to deposits106.1366%324
Net loans and leases to core deposits173.2221%57
Total domestic deposits to total assets76.7493%5,719
Equity capital to assets9.8523%4,351
Core capital (leverage) ratio9.8523%3,871
Tier 1 risk-based capital ratio15.8679%3,117
Total risk-based capital ratio17.0697%3,090
Memoranda:
Average total assets$62,767,0005,543
Average earning assets$59,285,0005,471
Average equity$6,457,7505,592
Average total loans$53,303,5004,760
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5997%266
Cost of funding earning assets0.6511%1,504
Net interest margin4.9485%315
Noninterest income to average assets-0.1454%6,612
Noninterest expense to average assets3.3284%1,843
Loan and lease loss provision to assets0.1810%1,355
Net operating income to assets0.6528%4,081
Return on assets (ROA)0.6528%4,182
Pretax return on assets1.0115%3,436
Return on Equity (ROE)6.2513%4,024
Retained earnings to average equity (ytd only)-6.3132%6,310
Net charge-offs to loans0.2711%1,461
Credit loss provision to net charge-offs77.7778%2,360
Earnings coverage of net charge-offs (x)5.1250%2,986
Efficiency ratio73.6240%3,042
Assets per employee ($millions)3.9777%3,888
Cash dividends to net income (ytd only)*200.9901%120
Condition Ratios (%)
Loss allowance to loans1.0241%5,247
Loan loss allowance to noncurrent loans56.7735%4,920
Noncurrent assets plus other real estate owned to assets1.9389%1,664
Noncurrent loans to loans1.8038%1,893
Net loans and leases to total assets83.3713%352
Net loans and leases to deposits105.1151%332
Net loans and leases to core deposits167.7787%61
Total domestic deposits to total assets79.3143%5,384
Equity capital to assets10.0969%3,973
Core capital (leverage) ratio10.0969%3,476
Tier 1 risk-based capital ratio15.9363%3,127
Total risk-based capital ratio17.1391%3,084
Memoranda:
Average total assets$61,890,6705,615
Average earning assets$58,360,6705,551
Average equity$6,462,6705,609
Average total loans$53,117,6704,786
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6827%232
Cost of funding earning assets0.6469%1,605
Net interest margin5.0359%251
Noninterest income to average assets-0.1639%6,676
Noninterest expense to average assets3.4877%1,510
Loan and lease loss provision to assets0.1049%2,174
Net operating income to assets0.6359%4,019
Return on assets (ROA)0.6359%4,109
Pretax return on assets0.9899%3,364
Return on Equity (ROE)5.9867%4,033
Retained earnings to average equity (ytd only)-19.0711%6,519
Net charge-offs to loans0.4085%887
Credit loss provision to net charge-offs29.6296%2,401
Earnings coverage of net charge-offs (x)3.0926%2,737
Efficiency ratio76.1087%2,783
Assets per employee ($millions)3.9604%4,026
Cash dividends to net income (ytd only)*418.5567%69
Condition Ratios (%)
Loss allowance to loans0.9856%5,581
Loan loss allowance to noncurrent loans50.8687%5,169
Noncurrent assets plus other real estate owned to assets2.1541%1,550
Noncurrent loans to loans1.9375%1,942
Net loans and leases to total assets83.5530%260
Net loans and leases to deposits105.6344%244
Net loans and leases to core deposits155.0139%83
Total domestic deposits to total assets79.0964%5,668
Equity capital to assets9.9736%3,872
Core capital (leverage) ratio9.9736%3,606
Tier 1 risk-based capital ratio15.3797%3,511
Total risk-based capital ratio16.5795%3,490
Memoranda:
Average total assets$61,014,5005,683
Average earning assets$57,507,5005,623
Average equity$6,481,0005,638
Average total loans$52,872,0004,828
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0189%165
Cost of funding earning assets0.6461%2,236
Net interest margin5.3727%166
Noninterest income to average assets0.2671%5,435
Noninterest expense to average assets3.2510%2,277
Loan and lease loss provision to assets0.2008%1,855
Net operating income to assets1.1366%1,808
Return on assets (ROA)1.1366%1,870
Pretax return on assets1.8385%690
Return on Equity (ROE)10.3692%1,968
Retained earnings to average equity (ytd only)10.3692%508
Net charge-offs to loans0.3010%2,185
Credit loss provision to net charge-offs76.6667%3,126
Earnings coverage of net charge-offs (x)7.7867%2,786
Efficiency ratio61.4521%5,297
Assets per employee ($millions)4.1901%3,459
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.0809%5,239
Loan loss allowance to noncurrent loans39.7607%5,639
Noncurrent assets plus other real estate owned to assets2.6559%1,263
Noncurrent loans to loans2.7185%1,336
Net loans and leases to total assets88.1439%82
Net loans and leases to deposits116.1329%93
Net loans and leases to core deposits185.6358%44
Total domestic deposits to total assets75.8992%6,105
Equity capital to assets11.3225%2,319
Core capital (leverage) ratio11.3225%2,099
Tier 1 risk-based capital ratio16.9439%2,634
Total risk-based capital ratio18.1454%2,623
Memoranda:
Average total assets$57,275,2005,828
Average earning assets$53,548,4005,784
Average equity$6,278,2005,746
Average total loans$49,838,6004,962
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0850%149
Cost of funding earning assets0.6627%2,236
Net interest margin5.4223%152
Noninterest income to average assets0.2506%5,641
Noninterest expense to average assets3.0986%2,653
Loan and lease loss provision to assets0.1452%2,463
Net operating income to assets1.2671%1,438
Return on assets (ROA)1.2671%1,508
Pretax return on assets2.0657%507
Return on Equity (ROE)11.6582%1,595
Retained earnings to average equity (ytd only)11.6582%476
Net charge-offs to loans0.1679%2,879
Credit loss provision to net charge-offs100.0000%2,333
Earnings coverage of net charge-offs (x)15.2267%1,880
Efficiency ratio58.3591%5,643
Assets per employee ($millions)3.8825%4,065
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.1689%5,027
Loan loss allowance to noncurrent loans50.4202%5,211
Noncurrent assets plus other real estate owned to assets2.9414%1,263
Noncurrent loans to loans2.3183%1,891
Net loans and leases to total assets87.1098%108
Net loans and leases to deposits113.1757%119
Net loans and leases to core deposits147.8650%99
Total domestic deposits to total assets76.9686%6,049
Equity capital to assets11.1147%2,650
Core capital (leverage) ratio11.1147%2,370
Tier 1 risk-based capital ratio16.0211%3,179
Total risk-based capital ratio17.2735%3,136
Memoranda:
Average total assets$56,928,5005,905
Average earning assets$53,113,0005,864
Average equity$6,187,2505,840
Average total loans$49,230,2505,036
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1048%152
Cost of funding earning assets0.6686%2,329
Net interest margin5.4362%149
Noninterest income to average assets0.1735%6,166
Noninterest expense to average assets3.0128%2,959
Loan and lease loss provision to assets0.1487%2,475
Net operating income to assets1.3241%1,257
Return on assets (ROA)1.3241%1,343
Pretax return on assets2.0782%518
Return on Equity (ROE)12.2784%1,411
Retained earnings to average equity (ytd only)12.2784%451
Net charge-offs to loans0.2555%2,188
Credit loss provision to net charge-offs67.7419%2,877
Earnings coverage of net charge-offs (x)10.1452%2,184
Efficiency ratio57.5000%5,797
Assets per employee ($millions)3.8928%4,028
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.1612%5,190
Loan loss allowance to noncurrent loans54.0541%5,029
Noncurrent assets plus other real estate owned to assets3.1768%1,253
Noncurrent loans to loans2.1481%2,232
Net loans and leases to total assets84.5493%205
Net loans and leases to deposits101.6095%348
Net loans and leases to core deposits149.5109%98
Total domestic deposits to total assets83.2100%4,622
Equity capital to assets10.7909%2,952
Core capital (leverage) ratio10.7909%2,573
Tier 1 risk-based capital ratio15.4972%3,483
Total risk-based capital ratio16.7515%3,435
Memoranda:
Average total assets$56,492,0005,957
Average earning assets$52,646,6705,916
Average equity$6,092,0005,905
Average total loans$48,530,0005,084
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0069%165
Cost of funding earning assets0.6735%2,458
Net interest margin5.3335%161
Noninterest income to average assets-0.0432%6,898
Noninterest expense to average assets3.6873%1,269
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.7994%3,173
Return on assets (ROA)0.7994%3,303
Pretax return on assets1.2315%2,463
Return on Equity (ROE)7.4154%3,256
Retained earnings to average equity (ytd only)7.4154%1,976
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.9634%3,104
Assets per employee ($millions)3.9765%4,004
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.2338%5,031
Loan loss allowance to noncurrent loans51.9481%5,077
Noncurrent assets plus other real estate owned to assets3.5512%1,189
Noncurrent loans to loans2.3751%2,189
Net loans and leases to total assets86.2747%115
Net loans and leases to deposits105.8722%199
Net loans and leases to core deposits159.7645%74
Total domestic deposits to total assets81.4895%5,366
Equity capital to assets10.8495%3,144
Core capital (leverage) ratio10.8495%2,404
Tier 1 risk-based capital ratio16.1549%3,179
Total risk-based capital ratio17.3879%3,147
Memoranda:
Average total assets$55,542,0006,032
Average earning assets$51,673,5006,001
Average equity$5,987,5005,987
Average total loans$47,820,0005,135
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2853%173
Cost of funding earning assets0.7149%3,368
Net interest margin5.5704%153
Noninterest income to average assets0.2830%5,445
Noninterest expense to average assets3.3979%2,052
Loan and lease loss provision to assets0.4072%1,589
Net operating income to assets1.0133%2,278
Return on assets (ROA)1.0133%2,494
Pretax return on assets1.6706%1,209
Return on Equity (ROE)9.2012%2,533
Retained earnings to average equity (ytd only)-2.3873%6,212
Net charge-offs to loans0.4025%2,649
Credit loss provision to net charge-offs115.5440%2,505
Earnings coverage of net charge-offs (x)5.8964%2,922
Efficiency ratio62.0540%5,228
Assets per employee ($millions)3.6942%4,579
Cash dividends to net income (ytd only)*125.9459%300
Condition Ratios (%)
Loss allowance to loans1.2763%4,752
Loan loss allowance to noncurrent loans29.2540%6,088
Noncurrent assets plus other real estate owned to assets4.7263%850
Noncurrent loans to loans4.3629%1,000
Net loans and leases to total assets83.7529%227
Net loans and leases to deposits102.7043%306
Net loans and leases to core deposits152.4639%96
Total domestic deposits to total assets81.5477%5,245
Equity capital to assets10.7105%3,271
Core capital (leverage) ratio10.7105%2,535
Tier 1 risk-based capital ratio16.1686%3,066
Total risk-based capital ratio17.4245%3,018
Memoranda:
Average total assets$54,769,8006,056
Average earning assets$51,056,0006,008
Average equity$6,031,8006,014
Average total loans$47,952,0005,181
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2471%194
Cost of funding earning assets0.7154%3,632
Net interest margin5.5318%166
Noninterest income to average assets0.4981%3,942
Noninterest expense to average assets3.2643%2,369
Loan and lease loss provision to assets0.2271%2,793
Net operating income to assets1.3575%1,313
Return on assets (ROA)1.3575%1,449
Pretax return on assets2.1608%516
Return on Equity (ROE)12.2409%1,554
Retained earnings to average equity (ytd only)4.7776%3,539
Net charge-offs to loans0.5340%2,005
Credit loss provision to net charge-offs48.1865%4,444
Earnings coverage of net charge-offs (x)5.0673%3,126
Efficiency ratio57.7538%5,824
Assets per employee ($millions)5.0141%2,169
Cash dividends to net income (ytd only)*60.9718%1,238
Condition Ratios (%)
Loss allowance to loans0.9711%6,185
Loan loss allowance to noncurrent loans26.9650%6,263
Noncurrent assets plus other real estate owned to assets4.6342%988
Noncurrent loans to loans3.6013%1,501
Net loans and leases to total assets86.8987%119
Net loans and leases to deposits110.3160%157
Net loans and leases to core deposits144.8444%126
Total domestic deposits to total assets78.7726%5,924
Equity capital to assets11.1903%3,046
Core capital (leverage) ratio11.1903%2,217
Tier 1 risk-based capital ratio16.7322%2,883
Total risk-based capital ratio18.0063%2,826
Memoranda:
Average total assets$54,609,0006,133
Average earning assets$50,880,7506,091
Average equity$6,056,0006,075
Average total loans$48,187,5005,230
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2409%206
Cost of funding earning assets0.7402%3,686
Net interest margin5.5006%182
Noninterest income to average assets0.4336%4,409
Noninterest expense to average assets3.2631%2,404
Loan and lease loss provision to assets0.3417%1,926
Net operating income to assets1.2273%1,615
Return on assets (ROA)1.2273%1,810
Pretax return on assets1.9623%738
Return on Equity (ROE)11.1013%1,957
Retained earnings to average equity (ytd only)-0.1662%6,072
Net charge-offs to loans0.8022%1,371
Credit loss provision to net charge-offs48.1865%4,079
Earnings coverage of net charge-offs (x)3.2487%3,439
Efficiency ratio58.6139%5,788
Assets per employee ($millions)4.1925%3,468
Cash dividends to net income (ytd only)*101.4970%408
Condition Ratios (%)
Loss allowance to loans0.9904%6,198
Loan loss allowance to noncurrent loans29.1022%6,190
Noncurrent assets plus other real estate owned to assets4.3521%1,145
Noncurrent loans to loans3.4031%1,702
Net loans and leases to total assets86.2115%129
Net loans and leases to deposits113.2244%113
Net loans and leases to core deposits171.5417%69
Total domestic deposits to total assets76.1422%6,439
Equity capital to assets10.9519%3,169
Core capital (leverage) ratio10.7160%2,581
Tier 1 risk-based capital ratio15.3812%3,515
Total risk-based capital ratio16.6222%3,485
Memoranda:
Average total assets$54,427,0006,178
Average earning assets$50,794,0006,124
Average equity$6,017,3306,112
Average total loans$48,117,0005,266
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2677%214
Cost of funding earning assets0.7540%3,833
Net interest margin5.5137%178
Noninterest income to average assets0.4339%4,423
Noninterest expense to average assets3.2580%2,419
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.4415%1,140
Return on assets (ROA)1.4415%1,274
Pretax return on assets2.3387%428
Return on Equity (ROE)12.9769%1,408
Retained earnings to average equity (ytd only)12.9769%684
Net charge-offs to loans0.9908%1,049
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)2.6500%3,120
Efficiency ratio58.2129%5,884
Assets per employee ($millions)4.1253%3,738
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.9205%6,493
Loan loss allowance to noncurrent loans62.8492%4,375
Noncurrent assets plus other real estate owned to assets2.8511%2,050
Noncurrent loans to loans1.4646%3,922
Net loans and leases to total assets90.3205%35
Net loans and leases to deposits111.7499%116
Net loans and leases to core deposits210.0520%50
Total domestic deposits to total assets80.8238%5,651
Equity capital to assets11.5050%2,438
Core capital (leverage) ratio11.2667%2,063
Tier 1 risk-based capital ratio15.7164%3,332
Total risk-based capital ratio16.8901%3,341
Memoranda:
Average total assets$54,389,5006,216
Average earning assets$50,928,0006,158
Average equity$6,041,5006,137
Average total loans$48,447,0005,289
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9654%456
Cost of funding earning assets0.9933%3,428
Net interest margin4.9721%432
Noninterest income to average assets0.5602%3,430
Noninterest expense to average assets3.1928%2,891
Loan and lease loss provision to assets0.5280%1,982
Net operating income to assets0.9020%2,592
Return on assets (ROA)0.9020%2,726
Pretax return on assets1.5517%1,336
Return on Equity (ROE)8.9524%2,471
Retained earnings to average equity (ytd only)8.7747%863
Net charge-offs to loans0.1109%5,263
Credit loss provision to net charge-offs546.2963%419
Earnings coverage of net charge-offs (x)21.5185%1,092
Efficiency ratio60.5567%5,665
Assets per employee ($millions)4.2423%3,387
Cash dividends to net income (ytd only)*1.9841%4,040
Condition Ratios (%)
Loss allowance to loans1.1874%5,452
Loan loss allowance to noncurrent loans78.0822%3,726
Noncurrent assets plus other real estate owned to assets2.7126%2,241
Noncurrent loans to loans1.5206%3,867
Net loans and leases to total assets86.0127%127
Net loans and leases to deposits108.7832%192
Net loans and leases to core deposits200.7788%61
Total domestic deposits to total assets79.0680%5,983
Equity capital to assets10.7217%3,283
Core capital (leverage) ratio10.7217%2,507
Tier 1 risk-based capital ratio16.0920%2,996
Total risk-based capital ratio17.3466%2,955
Memoranda:
Average total assets$55,876,0006,166
Average earning assets$52,955,8006,080
Average equity$5,629,8006,252
Average total loans$48,683,8005,313
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0258%436
Cost of funding earning assets1.0536%3,293
Net interest margin4.9722%438
Noninterest income to average assets0.5019%3,860
Noninterest expense to average assets3.0325%3,427
Loan and lease loss provision to assets0.3687%2,646
Net operating income to assets1.0465%2,154
Return on assets (ROA)1.0465%2,305
Pretax return on assets1.8148%931
Return on Equity (ROE)10.5532%2,012
Retained earnings to average equity (ytd only)10.3134%762
Net charge-offs to loans0.1474%4,594
Credit loss provision to net charge-offs287.0370%998
Earnings coverage of net charge-offs (x)16.9996%1,370
Efficiency ratio58.1395%5,986
Assets per employee ($millions)4.4385%3,019
Cash dividends to net income (ytd only)*2.2722%3,473
Condition Ratios (%)
Loss allowance to loans0.8796%6,660
Loan loss allowance to noncurrent loans78.6106%3,622
Noncurrent assets plus other real estate owned to assets2.2028%2,889
Noncurrent loans to loans1.1189%4,676
Net loans and leases to total assets83.9827%227
Net loans and leases to deposits105.4811%268
Net loans and leases to core deposits186.6929%74
Total domestic deposits to total assets79.6187%5,840
Equity capital to assets10.0763%4,241
Core capital (leverage) ratio10.0763%3,339
Tier 1 risk-based capital ratio15.2502%3,518
Total risk-based capital ratio16.3781%3,559
Memoranda:
Average total assets$56,057,5006,211
Average earning assets$53,148,0006,120
Average equity$5,559,0006,314
Average total loans$48,853,2505,349
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1256%368
Cost of funding earning assets1.0685%3,488
Net interest margin5.0571%364
Noninterest income to average assets0.4972%3,881
Noninterest expense to average assets3.0121%3,592
Loan and lease loss provision to assets0.3243%2,846
Net operating income to assets1.2070%1,547
Return on assets (ROA)1.2070%1,635
Pretax return on assets1.9528%642
Return on Equity (ROE)12.2397%1,425
Retained earnings to average equity (ytd only)11.8743%531
Net charge-offs to loans0.2211%3,801
Credit loss provision to net charge-offs166.6667%1,814
Earnings coverage of net charge-offs (x)11.7037%1,687
Efficiency ratio56.9482%6,304
Assets per employee ($millions)4.3501%3,082
Cash dividends to net income (ytd only)*2.9851%3,261
Condition Ratios (%)
Loss allowance to loans0.7940%6,880
Loan loss allowance to noncurrent loans40.8903%5,591
Noncurrent assets plus other real estate owned to assets3.0256%2,221
Noncurrent loans to loans1.9418%3,551
Net loans and leases to total assets87.2699%101
Net loans and leases to deposits109.3576%189
Net loans and leases to core deposits185.7084%82
Total domestic deposits to total assets79.8023%5,883
Equity capital to assets9.9821%4,174
Core capital (leverage) ratio9.9821%3,284
Tier 1 risk-based capital ratio14.9098%3,540
Total risk-based capital ratio15.9531%3,638
Memoranda:
Average total assets$55,510,0006,275
Average earning assets$52,599,3306,206
Average equity$5,474,0006,377
Average total loans$48,841,6705,401
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2316%316
Cost of funding earning assets1.0988%3,528
Net interest margin5.1328%287
Noninterest income to average assets0.4364%4,397
Noninterest expense to average assets3.1060%3,221
Loan and lease loss provision to assets0.4364%2,021
Net operating income to assets1.0838%1,893
Return on assets (ROA)1.0838%1,942
Pretax return on assets1.7531%891
Return on Equity (ROE)11.0606%1,719
Retained earnings to average equity (ytd only)10.3183%1,044
Net charge-offs to loans0.4464%2,358
Credit loss provision to net charge-offs111.1111%2,408
Earnings coverage of net charge-offs (x)5.5741%2,254
Efficiency ratio58.6538%6,180
Assets per employee ($millions)4.3547%3,123
Cash dividends to net income (ytd only)*6.7114%2,432
Condition Ratios (%)
Loss allowance to loans0.7578%6,994
Loan loss allowance to noncurrent loans38.5835%5,727
Noncurrent assets plus other real estate owned to assets2.9376%2,356
Noncurrent loans to loans1.9642%3,618
Net loans and leases to total assets84.4324%209
Net loans and leases to deposits105.2750%273
Net loans and leases to core deposits179.1395%94
Total domestic deposits to total assets80.2017%5,889
Equity capital to assets9.6412%4,263
Core capital (leverage) ratio9.6412%3,610
Tier 1 risk-based capital ratio14.7219%3,598
Total risk-based capital ratio15.7064%3,727
Memoranda:
Average total assets$54,989,5006,345
Average earning assets$52,057,0006,270
Average equity$5,388,5006,421
Average total loans$48,389,0005,466
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6475%251
Cost of funding earning assets1.3010%3,875
Net interest margin5.3464%221
Noninterest income to average assets-0.0610%7,363
Noninterest expense to average assets3.9799%1,189
Loan and lease loss provision to assets-0.2496%7,629
Net operating income to assets0.6973%3,235
Return on assets (ROA)0.6973%3,369
Pretax return on assets1.2193%2,162
Return on Equity (ROE)7.0387%3,104
Retained earnings to average equity (ytd only)4.5194%2,710
Net charge-offs to loans-0.2820%7,566
Credit loss provision to net charge-offs97.0370%4,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.4080%2,362
Assets per employee ($millions)4.1052%3,566
Cash dividends to net income (ytd only)*35.7923%2,777
Condition Ratios (%)
Loss allowance to loans0.7405%7,066
Loan loss allowance to noncurrent loans38.3387%5,744
Noncurrent assets plus other real estate owned to assets3.1030%2,275
Noncurrent loans to loans1.9315%3,656
Net loans and leases to total assets90.4194%53
Net loans and leases to deposits113.8304%177
Net loans and leases to core deposits213.9058%73
Total domestic deposits to total assets79.4334%5,986
Equity capital to assets9.9666%3,786
Core capital (leverage) ratio9.9666%3,131
Tier 1 risk-based capital ratio14.6054%3,477
Total risk-based capital ratio15.5939%3,601
Memoranda:
Average total assets$52,488,8006,445
Average earning assets$49,191,6006,400
Average equity$5,199,8006,599
Average total loans$47,880,6005,566
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5734%302
Cost of funding earning assets1.3834%3,683
Net interest margin5.1900%303
Noninterest income to average assets-0.2985%7,630
Noninterest expense to average assets4.0507%987
Loan and lease loss provision to assets-0.3444%7,737
Net operating income to assets0.4489%4,544
Return on assets (ROA)0.4489%4,734
Pretax return on assets0.8469%3,745
Return on Equity (ROE)4.5389%4,535
Retained earnings to average equity (ytd only)4.5389%3,317
Net charge-offs to loans-0.3774%7,666
Credit loss provision to net charge-offs100.0000%4,307
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.9636%1,371
Assets per employee ($millions)3.7706%4,340
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.6762%7,236
Loan loss allowance to noncurrent loans63.8996%4,103
Noncurrent assets plus other real estate owned to assets2.1861%3,224
Noncurrent loans to loans1.0583%5,127
Net loans and leases to total assets92.0986%25
Net loans and leases to deposits109.7994%259
Net loans and leases to core deposits226.2519%68
Total domestic deposits to total assets83.8789%4,194
Equity capital to assets9.9435%4,228
Core capital (leverage) ratio9.9435%3,305
Tier 1 risk-based capital ratio14.3380%3,605
Total risk-based capital ratio15.3104%3,763
Memoranda:
Average total assets$52,269,0006,525
Average earning assets$48,862,5006,476
Average equity$5,170,0006,691
Average total loans$47,697,0005,656
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5242%328
Cost of funding earning assets1.4859%3,332
Net interest margin5.0382%390
Noninterest income to average assets0.1536%6,788
Noninterest expense to average assets4.3727%665
Loan and lease loss provision to assets0.0154%6,763
Net operating income to assets0.2841%5,246
Return on assets (ROA)0.2841%5,395
Pretax return on assets0.4645%5,018
Return on Equity (ROE)2.8773%5,289
Retained earnings to average equity (ytd only)2.8773%4,309
Net charge-offs to loans0.0169%6,104
Credit loss provision to net charge-offs100.0000%4,062
Earnings coverage of net charge-offs (x)31.2500%896
Efficiency ratio90.1108%1,326
Assets per employee ($millions)3.6361%4,616
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.8210%6,987
Loan loss allowance to noncurrent loans28.2641%6,478
Noncurrent assets plus other real estate owned to assets3.8405%1,807
Noncurrent loans to loans2.9049%2,752
Net loans and leases to total assets90.4096%65
Net loans and leases to deposits111.9836%233
Net loans and leases to core deposits155.6409%190
Total domestic deposits to total assets80.7347%5,497
Equity capital to assets10.1130%3,875
Core capital (leverage) ratio10.1130%3,045
Tier 1 risk-based capital ratio14.3000%3,540
Total risk-based capital ratio15.3583%3,619
Memoranda:
Average total assets$52,096,0006,582
Average earning assets$48,588,6706,525
Average equity$5,143,6706,733
Average total loans$47,280,0005,706
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6120%301
Cost of funding earning assets1.5491%3,275
Net interest margin5.0630%367
Noninterest income to average assets0.3264%5,535
Noninterest expense to average assets3.7653%1,382
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.7819%3,046
Return on assets (ROA)0.7819%3,161
Pretax return on assets1.2753%2,121
Return on Equity (ROE)8.0132%2,878
Retained earnings to average equity (ytd only)8.0132%1,703
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6988%3,450
Assets per employee ($millions)3.0592%6,089
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.8062%7,112
Loan loss allowance to noncurrent loans35.3488%6,022
Noncurrent assets plus other real estate owned to assets3.4034%2,083
Noncurrent loans to loans2.2806%3,416
Net loans and leases to total assets89.9033%69
Net loans and leases to deposits110.2606%285
Net loans and leases to core deposits150.0610%242
Total domestic deposits to total assets81.5371%5,258
Equity capital to assets9.9852%3,897
Core capital (leverage) ratio9.9852%3,180
Tier 1 risk-based capital ratio14.1634%3,554
Total risk-based capital ratio15.1998%3,652
Memoranda:
Average total assets$52,691,5006,643
Average earning assets$49,062,0006,586
Average equity$5,141,5006,806
Average total loans$47,718,0005,775
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0367%267
Cost of funding earning assets2.7522%511
Net interest margin4.2845%1,765
Noninterest income to average assets0.3282%5,733
Noninterest expense to average assets3.6827%1,947
Loan and lease loss provision to assets0.2554%5,352
Net operating income to assets0.2803%4,608
Return on assets (ROA)0.2803%4,700
Pretax return on assets0.4027%4,491
Return on Equity (ROE)3.1358%4,447
Retained earnings to average equity (ytd only)3.1358%2,963
Net charge-offs to loans-0.0797%7,873
Credit loss provision to net charge-offs-360.0000%7,414
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.8386%2,254
Assets per employee ($millions)2.9653%6,307
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.9213%6,729
Loan loss allowance to noncurrent loans35.8582%6,046
Noncurrent assets plus other real estate owned to assets3.8276%1,739
Noncurrent loans to loans2.5694%2,989
Net loans and leases to total assets89.6564%97
Net loans and leases to deposits106.9864%504
Net loans and leases to core deposits151.0908%487
Total domestic deposits to total assets83.8017%4,125
Equity capital to assets9.5361%4,375
Core capital (leverage) ratio9.5361%3,673
Tier 1 risk-based capital ratio13.6578%3,713
Total risk-based capital ratio14.8519%3,697
Memoranda:
Average total assets$56,372,4006,480
Average earning assets$52,794,6006,421
Average equity$5,038,6006,926
Average total loans$50,207,4005,663
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1119%256
Cost of funding earning assets3.0220%310
Net interest margin4.0899%2,444
Noninterest income to average assets0.2964%6,103
Noninterest expense to average assets3.5596%2,125
Loan and lease loss provision to assets0.2077%5,318
Net operating income to assets0.2918%4,818
Return on assets (ROA)0.2918%4,929
Pretax return on assets0.3641%4,898
Return on Equity (ROE)3.3161%4,655
Retained earnings to average equity (ytd only)3.3161%3,453
Net charge-offs to loans-0.1052%7,926
Credit loss provision to net charge-offs-222.5000%7,229
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.1582%2,044
Assets per employee ($millions)3.1677%5,733
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.7806%7,180
Loan loss allowance to noncurrent loans39.3145%5,736
Noncurrent assets plus other real estate owned to assets3.1323%2,180
Noncurrent loans to loans1.9855%3,662
Net loans and leases to total assets86.9392%279
Net loans and leases to deposits105.6748%666
Net loans and leases to core deposits162.9928%341
Total domestic deposits to total assets82.2705%4,558
Equity capital to assets8.8691%5,678
Core capital (leverage) ratio8.8691%4,866
Tier 1 risk-based capital ratio13.0060%4,188
Total risk-based capital ratio14.0091%4,294
Memoranda:
Average total assets$57,121,5006,501
Average earning assets$53,561,5006,442
Average equity$5,025,7506,989
Average total loans$50,684,2505,682
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3813%182
Cost of funding earning assets3.0914%361
Net interest margin4.2899%1,680
Noninterest income to average assets0.3079%6,050
Noninterest expense to average assets3.4852%2,383
Loan and lease loss provision to assets0.2764%4,366
Net operating income to assets0.4794%4,179
Return on assets (ROA)0.4794%4,291
Pretax return on assets0.5669%4,418
Return on Equity (ROE)5.4632%3,879
Retained earnings to average equity (ytd only)5.4632%2,263
Net charge-offs to loans-0.1571%8,008
Credit loss provision to net charge-offs-197.5000%6,977
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.5174%2,961
Assets per employee ($millions)3.1114%5,837
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.7833%7,208
Loan loss allowance to noncurrent loans48.4146%5,122
Noncurrent assets plus other real estate owned to assets2.8426%2,253
Noncurrent loans to loans1.6178%4,069
Net loans and leases to total assets89.7920%144
Net loans and leases to deposits112.9331%447
Net loans and leases to core deposits183.2453%195
Total domestic deposits to total assets79.5090%5,643
Equity capital to assets9.1492%5,100
Core capital (leverage) ratio9.1492%4,386
Tier 1 risk-based capital ratio12.9365%4,194
Total risk-based capital ratio13.9388%4,282
Memoranda:
Average total assets$57,156,0006,546
Average earning assets$53,567,6706,488
Average equity$5,015,3307,055
Average total loans$50,925,3305,724
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2288%243
Cost of funding earning assets3.1931%354
Net interest margin4.0357%2,504
Noninterest income to average assets0.3672%5,491
Noninterest expense to average assets3.2080%2,955
Loan and lease loss provision to assets0.4434%2,706
Net operating income to assets0.4989%4,425
Return on assets (ROA)0.4989%4,615
Pretax return on assets0.4989%5,081
Return on Equity (ROE)5.8053%4,122
Retained earnings to average equity (ytd only)5.8053%2,726
Net charge-offs to loans-0.2899%8,058
Credit loss provision to net charge-offs-172.9730%6,255
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.2955%3,284
Assets per employee ($millions)3.2408%5,485
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.7563%7,295
Loan loss allowance to noncurrent loans36.8069%6,101
Noncurrent assets plus other real estate owned to assets2.7085%2,096
Noncurrent loans to loans2.0549%3,187
Net loans and leases to total assets86.5998%377
Net loans and leases to deposits110.8532%574
Net loans and leases to core deposits177.6176%260
Total domestic deposits to total assets78.1212%5,971
Equity capital to assets8.6723%5,807
Core capital (leverage) ratio8.6723%5,205
Tier 1 risk-based capital ratio12.2836%4,715
Total risk-based capital ratio13.2184%4,883
Memoranda:
Average total assets$57,731,5006,549
Average earning assets$54,116,5006,494
Average equity$4,961,0007,123
Average total loans$51,045,5005,754
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.6183%330
Cost of funding earning assets3.6666%298
Net interest margin3.9517%3,353
Noninterest income to average assets0.5070%4,563
Noninterest expense to average assets3.5779%2,207
Loan and lease loss provision to assets0.7382%2,010
Net operating income to assets-0.1129%6,515
Return on assets (ROA)-0.1129%6,366
Pretax return on assets-0.0842%6,251
Return on Equity (ROE)-1.2696%6,399
Retained earnings to average equity (ytd only)-4.4940%6,416
Net charge-offs to loans0.7527%1,647
Credit loss provision to net charge-offs107.5718%4,986
Earnings coverage of net charge-offs (x)0.9530%5,656
Efficiency ratio84.5470%2,006
Assets per employee ($millions)3.1738%5,554
Cash dividends to net income (ytd only)*-253.9683%8,223
Condition Ratios (%)
Loss allowance to loans0.5548%7,760
Loan loss allowance to noncurrent loans59.0437%5,056
Noncurrent assets plus other real estate owned to assets1.6227%2,999
Noncurrent loans to loans0.9397%4,734
Net loans and leases to total assets89.1052%272
Net loans and leases to deposits113.9735%613
Net loans and leases to core deposits176.5232%324
Total domestic deposits to total assets78.1806%5,650
Equity capital to assets8.5125%6,064
Core capital (leverage) ratio8.5125%5,555
Tier 1 risk-based capital ratio12.6832%4,301
Total risk-based capital ratio13.4239%4,574
Memoranda:
Average total assets$55,815,2006,537
Average earning assets$52,610,2006,480
Average equity$4,962,2007,161
Average total loans$50,884,6005,667