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One Florida Bank, Performance and Condition Ratios

2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8346%1,499
Cost of funding earning assets2.7936%715
Net interest margin3.0410%3,016
Noninterest income to average assets0.1200%4,140
Noninterest expense to average assets1.8426%3,857
Loan and lease loss provision to assets0.0700%1,666
Net operating income to assets0.8650%2,490
Return on assets (ROA)0.8650%2,503
Pretax return on assets1.1768%2,051
Return on Equity (ROE)10.2600%2,112
Retained earnings to average equity (ytd only)10.2609%792
Net charge-offs to loans0.0000%2,849
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio59.6852%3,196
Assets per employee ($millions)11.1212%542
Cash dividends to net income (ytd only)*0.0000%3,021
Condition Ratios (%)
Loss allowance to loans0.8249%3,856
Loan loss allowance to noncurrent loans2,360.6250%374
Noncurrent assets plus other real estate owned to assets0.0265%3,572
Noncurrent loans to loans0.0349%3,557
Net loans and leases to total assets75.1500%1,234
Net loans and leases to deposits83.2488%1,868
Net loans and leases to core deposits93.0884%1,943
Total domestic deposits to total assets90.2700%517
Equity capital to assets8.4330%3,441
Core capital (leverage) ratio8.8231%3,891
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.8668%2,782
Memoranda:
Average total assets$1,720,581,750653
Average earning assets$1,678,297,000620
Average equity$145,039,000734
Average total loans$1,322,338,000605
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7057%1,593
Cost of funding earning assets2.6950%774
Net interest margin3.0107%3,029
Noninterest income to average assets0.1200%4,137
Noninterest expense to average assets1.8510%3,854
Loan and lease loss provision to assets0.0500%1,906
Net operating income to assets0.8497%2,464
Return on assets (ROA)0.8497%2,478
Pretax return on assets1.1561%2,043
Return on Equity (ROE)10.0800%2,156
Retained earnings to average equity (ytd only)10.0808%860
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio60.5521%3,157
Assets per employee ($millions)11.3448%489
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans0.8186%3,893
Loan loss allowance to noncurrent loans3,694.1781%282
Noncurrent assets plus other real estate owned to assets0.0163%3,623
Noncurrent loans to loans0.0222%3,613
Net loans and leases to total assets72.9200%1,539
Net loans and leases to deposits80.5050%2,159
Net loans and leases to core deposits86.0015%2,409
Total domestic deposits to total assets90.5700%558
Equity capital to assets8.1741%3,319
Core capital (leverage) ratio9.0660%3,674
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.9175%2,795
Memoranda:
Average total assets$1,689,859,333667
Average earning assets$1,647,731,667635
Average equity$142,429,000740
Average total loans$1,305,268,667614
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2917%1,506
Cost of funding earning assets2.1371%718
Net interest margin3.1546%2,971
Noninterest income to average assets0.1000%4,288
Noninterest expense to average assets1.9405%3,753
Loan and lease loss provision to assets0.0900%1,416
Net operating income to assets0.8465%2,718
Return on assets (ROA)0.8465%2,695
Pretax return on assets1.1349%2,302
Return on Equity (ROE)10.2800%2,415
Retained earnings to average equity (ytd only)10.2816%943
Net charge-offs to loans0.0469%1,405
Credit loss provision to net charge-offs222.7523%1,146
Earnings coverage of net charge-offs (x)34.7817%1,536
Efficiency ratio61.3316%2,933
Assets per employee ($millions)9.6823%774
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans0.8184%3,923
Loan loss allowance to noncurrent loans8,049.2308%162
Noncurrent assets plus other real estate owned to assets0.0082%3,735
Noncurrent loans to loans0.0102%3,693
Net loans and leases to total assets80.3500%602
Net loans and leases to deposits89.5250%1,305
Net loans and leases to core deposits96.3821%1,634
Total domestic deposits to total assets89.7500%825
Equity capital to assets8.8085%2,818
Core capital (leverage) ratio9.1674%3,566
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.7906%2,843
Memoranda:
Average total assets$1,549,366,000698
Average earning assets$1,507,211,600666
Average equity$127,558,000778
Average total loans$1,162,337,400650
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1232%1,587
Cost of funding earning assets1.9640%754
Net interest margin3.1592%3,007
Noninterest income to average assets0.1000%4,299
Noninterest expense to average assets1.9377%3,740
Loan and lease loss provision to assets0.0700%1,559
Net operating income to assets0.8654%2,814
Return on assets (ROA)0.8654%2,795
Pretax return on assets1.1637%2,380
Return on Equity (ROE)10.7000%2,450
Retained earnings to average equity (ytd only)10.7033%1,215
Net charge-offs to loans0.0641%1,025
Credit loss provision to net charge-offs101.4679%1,604
Earnings coverage of net charge-offs (x)26.0899%1,677
Efficiency ratio61.1832%2,821
Assets per employee ($millions)10.1066%639
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans0.8170%3,951
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets73.6000%1,389
Net loans and leases to deposits81.3544%1,947
Net loans and leases to core deposits86.7265%2,139
Total domestic deposits to total assets90.4700%821
Equity capital to assets8.0852%2,999
Core capital (leverage) ratio8.8676%3,896
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.7578%2,859
Memoranda:
Average total assets$1,542,153,750703
Average earning assets$1,499,026,000671
Average equity$124,693,250784
Average total loans$1,133,288,250663
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9392%1,678
Cost of funding earning assets1.7523%811
Net interest margin3.1869%3,023
Noninterest income to average assets0.0900%4,358
Noninterest expense to average assets1.9594%3,691
Loan and lease loss provision to assets0.0700%1,542
Net operating income to assets0.8480%2,929
Return on assets (ROA)0.8480%2,936
Pretax return on assets1.1537%2,494
Return on Equity (ROE)10.4900%2,557
Retained earnings to average equity (ytd only)10.4877%1,281
Net charge-offs to loans0.0050%2,088
Credit loss provision to net charge-offs1,021.4286%404
Earnings coverage of net charge-offs (x)330.7857%419
Efficiency ratio61.6099%2,760
Assets per employee ($millions)9.6714%735
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans0.8511%3,901
Loan loss allowance to noncurrent loans763.9058%1,151
Noncurrent assets plus other real estate owned to assets0.0850%2,941
Noncurrent loans to loans0.1114%2,926
Net loans and leases to total assets75.6900%1,085
Net loans and leases to deposits83.0227%1,757
Net loans and leases to core deposits88.5361%1,893
Total domestic deposits to total assets91.1600%606
Equity capital to assets8.2616%3,045
Core capital (leverage) ratio9.1926%3,559
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.6251%2,892
Memoranda:
Average total assets$1,517,186,667702
Average earning assets$1,473,024,667671
Average equity$122,677,000794
Average total loans$1,111,075,667658
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6923%1,869
Cost of funding earning assets1.5612%748
Net interest margin3.1311%3,285
Noninterest income to average assets0.0800%4,443
Noninterest expense to average assets1.9831%3,663
Loan and lease loss provision to assets-0.0100%4,432
Net operating income to assets0.8455%3,035
Return on assets (ROA)0.8455%2,990
Pretax return on assets1.1504%2,568
Return on Equity (ROE)10.5800%2,613
Retained earnings to average equity (ytd only)10.5750%1,564
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio63.5789%2,515
Assets per employee ($millions)9.9751%706
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.8495%3,992
Loan loss allowance to noncurrent loans994.9153%988
Noncurrent assets plus other real estate owned to assets0.0599%3,182
Noncurrent loans to loans0.0854%3,130
Net loans and leases to total assets69.5500%1,668
Net loans and leases to deposits75.9918%2,118
Net loans and leases to core deposits80.8256%2,191
Total domestic deposits to total assets91.5300%642
Equity capital to assets7.7567%3,409
Core capital (leverage) ratio8.9632%3,775
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.8383%2,964
Memoranda:
Average total assets$1,502,071,500723
Average earning assets$1,456,854,000692
Average equity$120,094,500818
Average total loans$1,075,991,500682
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7182%2,479
Cost of funding earning assets0.5656%1,039
Net interest margin3.1526%3,013
Noninterest income to average assets0.1300%4,308
Noninterest expense to average assets1.8873%3,855
Loan and lease loss provision to assets0.0900%1,322
Net operating income to assets0.8715%3,073
Return on assets (ROA)0.8715%3,009
Pretax return on assets1.1857%2,483
Return on Equity (ROE)11.0200%2,470
Retained earnings to average equity (ytd only)11.0236%882
Net charge-offs to loans0.0000%2,620
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio59.6577%3,104
Assets per employee ($millions)9.3952%814
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans0.9361%3,641
Loan loss allowance to noncurrent loans1,048.7152%962
Noncurrent assets plus other real estate owned to assets0.0654%3,150
Noncurrent loans to loans0.0893%3,119
Net loans and leases to total assets72.5900%1,355
Net loans and leases to deposits79.8023%1,788
Net loans and leases to core deposits84.0510%1,875
Total domestic deposits to total assets90.9600%977
Equity capital to assets8.2585%2,886
Core capital (leverage) ratio8.8253%3,839
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.2272%2,936
Memoranda:
Average total assets$1,403,473,600743
Average earning assets$1,350,971,600711
Average equity$110,952,400875
Average total loans$939,042,400725
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4172%2,870
Cost of funding earning assets0.3412%1,776
Net interest margin3.0759%3,002
Noninterest income to average assets0.1300%4,339
Noninterest expense to average assets1.8495%3,875
Loan and lease loss provision to assets0.1300%800
Net operating income to assets0.8176%3,180
Return on assets (ROA)0.8176%3,144
Pretax return on assets1.1124%2,683
Return on Equity (ROE)10.4600%2,587
Retained earnings to average equity (ytd only)10.4619%1,208
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio59.8462%3,132
Assets per employee ($millions)9.4840%767
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.0012%3,476
Loan loss allowance to noncurrent loans1,040.1475%926
Noncurrent assets plus other real estate owned to assets0.0667%3,223
Noncurrent loans to loans0.0963%3,188
Net loans and leases to total assets68.6100%1,603
Net loans and leases to deposits74.8125%1,972
Net loans and leases to core deposits78.4166%2,010
Total domestic deposits to total assets91.7100%970
Equity capital to assets7.6190%3,144
Core capital (leverage) ratio8.3746%4,166
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.0101%3,037
Memoranda:
Average total assets$1,397,323,750754
Average earning assets$1,343,687,250721
Average equity$109,206,000902
Average total loans$912,201,750741
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1621%3,160
Cost of funding earning assets0.2287%2,524
Net interest margin2.9335%3,075
Noninterest income to average assets0.1495%4,267
Noninterest expense to average assets1.7911%3,980
Loan and lease loss provision to assets0.0932%1,066
Net operating income to assets0.7969%2,967
Return on assets (ROA)0.7969%2,939
Pretax return on assets1.0842%2,464
Return on Equity (ROE)10.1098%2,295
Retained earnings to average equity (ytd only)10.1098%984
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.3376%3,253
Assets per employee ($millions)9.9387%675
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.0009%3,590
Loan loss allowance to noncurrent loans918.0180%1,006
Noncurrent assets plus other real estate owned to assets0.0708%3,264
Noncurrent loans to loans0.1090%3,206
Net loans and leases to total assets64.2748%1,881
Net loans and leases to deposits69.9967%2,204
Net loans and leases to core deposits74.3860%2,138
Total domestic deposits to total assets91.8255%918
Equity capital to assets7.6933%3,349
Core capital (leverage) ratio8.3020%4,104
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.4988%2,925
Memoranda:
Average total assets$1,388,896,333749
Average earning assets$1,334,667,333721
Average equity$109,478,333907
Average total loans$887,640,667748
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0641%3,072
Cost of funding earning assets0.2256%2,458
Net interest margin2.8386%3,018
Noninterest income to average assets0.1115%4,448
Noninterest expense to average assets1.8045%3,930
Loan and lease loss provision to assets0.0755%1,091
Net operating income to assets0.6983%3,061
Return on assets (ROA)0.6983%3,051
Pretax return on assets0.9500%2,602
Return on Equity (ROE)8.7510%2,415
Retained earnings to average equity (ytd only)8.7510%1,348
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.7632%3,058
Assets per employee ($millions)9.9660%686
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans0.9987%3,739
Loan loss allowance to noncurrent loans855.3067%1,011
Noncurrent assets plus other real estate owned to assets0.0741%3,330
Noncurrent loans to loans0.1168%3,244
Net loans and leases to total assets62.8567%1,759
Net loans and leases to deposits68.5209%2,097
Net loans and leases to core deposits71.7493%2,135
Total domestic deposits to total assets91.7335%684
Equity capital to assets7.8734%3,666
Core capital (leverage) ratio8.2081%4,147
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6191%2,963
Memoranda:
Average total assets$1,377,694,000756
Average earning assets$1,319,391,500734
Average equity$109,930,000931
Average total loans$873,320,000746
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3286%3,118
Cost of funding earning assets0.2609%2,800
Net interest margin3.0678%3,001
Noninterest income to average assets0.1738%4,286
Noninterest expense to average assets2.1369%3,282
Loan and lease loss provision to assets0.2872%292
Net operating income to assets0.7829%3,386
Return on assets (ROA)0.7829%3,454
Pretax return on assets0.6641%4,004
Return on Equity (ROE)7.9694%3,229
Retained earnings to average equity (ytd only)7.9694%1,556
Net charge-offs to loans-0.0003%3,210
Credit loss provision to net charge-offs-155,300.0000%4,305
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.1939%1,832
Assets per employee ($millions)10.0744%648
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.9830%3,816
Loan loss allowance to noncurrent loans807.1970%1,008
Noncurrent assets plus other real estate owned to assets0.0771%3,414
Noncurrent loans to loans0.1218%3,320
Net loans and leases to total assets62.6659%1,859
Net loans and leases to deposits68.4778%2,263
Net loans and leases to core deposits71.5467%2,298
Total domestic deposits to total assets91.5128%312
Equity capital to assets8.0863%4,316
Core capital (leverage) ratio8.7008%3,720
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8538%2,921
Memoranda:
Average total assets$1,081,396,400903
Average earning assets$1,027,326,000883
Average equity$106,232,000962
Average total loans$746,850,400836
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4066%3,085
Cost of funding earning assets0.2651%2,955
Net interest margin3.1415%2,931
Noninterest income to average assets0.1789%4,306
Noninterest expense to average assets2.1838%3,122
Loan and lease loss provision to assets0.3205%236
Net operating income to assets0.6537%3,888
Return on assets (ROA)0.6537%3,941
Pretax return on assets0.6537%4,151
Return on Equity (ROE)6.2775%3,849
Retained earnings to average equity (ytd only)6.2775%2,706
Net charge-offs to loans-0.0004%3,073
Credit loss provision to net charge-offs-121,300.0000%4,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.1516%1,692
Assets per employee ($millions)8.7238%982
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.9493%4,009
Loan loss allowance to noncurrent loans741.3989%1,005
Noncurrent assets plus other real estate owned to assets0.0926%3,477
Noncurrent loans to loans0.1280%3,462
Net loans and leases to total assets71.6162%907
Net loans and leases to deposits79.3137%1,348
Net loans and leases to core deposits83.6928%1,450
Total domestic deposits to total assets90.2949%635
Equity capital to assets9.4013%3,468
Core capital (leverage) ratio9.9544%2,567
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5321%2,848
Memoranda:
Average total assets$1,009,215,750970
Average earning assets$957,069,750951
Average equity$105,092,000985
Average total loans$716,782,500877
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4186%3,122
Cost of funding earning assets0.2754%3,037
Net interest margin3.1432%2,913
Noninterest income to average assets0.2059%4,172
Noninterest expense to average assets2.1321%3,295
Loan and lease loss provision to assets0.3064%276
Net operating income to assets0.7374%3,663
Return on assets (ROA)0.7374%3,730
Pretax return on assets0.7374%3,992
Return on Equity (ROE)6.8201%3,699
Retained earnings to average equity (ytd only)6.8201%2,496
Net charge-offs to loans-0.0006%3,049
Credit loss provision to net charge-offs-73,900.0000%4,134
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.1323%1,995
Assets per employee ($millions)8.7968%924
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.9205%4,098
Loan loss allowance to noncurrent loans650.5660%1,032
Noncurrent assets plus other real estate owned to assets0.1238%3,408
Noncurrent loans to loans0.1415%3,491
Net loans and leases to total assets68.0508%1,437
Net loans and leases to deposits75.6592%1,853
Net loans and leases to core deposits80.1863%1,873
Total domestic deposits to total assets89.9438%807
Equity capital to assets9.7268%3,112
Core capital (leverage) ratio10.8402%1,696
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1614%2,304
Memoranda:
Average total assets$964,682,333993
Average earning assets$911,544,667985
Average equity$104,309,667983
Average total loans$680,281,667924
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5047%2,912
Cost of funding earning assets0.2952%3,049
Net interest margin3.2095%2,665
Noninterest income to average assets0.1686%4,356
Noninterest expense to average assets2.2613%2,902
Loan and lease loss provision to assets0.2129%553
Net operating income to assets0.6947%3,723
Return on assets (ROA)0.6947%3,784
Pretax return on assets0.6947%4,029
Return on Equity (ROE)6.0572%3,844
Retained earnings to average equity (ytd only)6.0572%2,876
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.3566%1,556
Assets per employee ($millions)8.2468%1,080
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.8792%4,215
Loan loss allowance to noncurrent loans15,117.9487%64
Noncurrent assets plus other real estate owned to assets0.0338%4,119
Noncurrent loans to loans0.0058%4,302
Net loans and leases to total assets68.3065%1,490
Net loans and leases to deposits76.9928%1,799
Net loans and leases to core deposits81.7879%1,858
Total domestic deposits to total assets88.7180%1,490
Equity capital to assets10.6703%2,116
Core capital (leverage) ratio12.1145%1,120
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6054%1,703
Memoranda:
Average total assets$901,621,0001,036
Average earning assets$842,864,0001,033
Average equity$103,414,500984
Average total loans$645,824,000954
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5775%3,858
Cost of funding earning assets0.5418%2,667
Net interest margin3.0358%3,810
Noninterest income to average assets0.2195%4,182
Noninterest expense to average assets2.8326%1,858
Loan and lease loss provision to assets0.3908%817
Net operating income to assets-0.1707%4,810
Return on assets (ROA)-0.1557%4,822
Pretax return on assets-0.1557%4,810
Return on Equity (ROE)-0.9685%4,818
Retained earnings to average equity (ytd only)-0.9685%4,634
Net charge-offs to loans0.0011%3,388
Credit loss provision to net charge-offs50,240.0000%21
Earnings coverage of net charge-offs (x)283.0000%362
Efficiency ratio92.7887%297
Assets per employee ($millions)7.4785%1,298
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.8721%4,265
Loan loss allowance to noncurrent loans13,209.7561%84
Noncurrent assets plus other real estate owned to assets0.0399%4,152
Noncurrent loans to loans0.0066%4,367
Net loans and leases to total assets74.1617%1,005
Net loans and leases to deposits85.1358%1,332
Net loans and leases to core deposits91.3761%1,432
Total domestic deposits to total assets87.1098%1,884
Equity capital to assets12.4071%1,365
Core capital (leverage) ratio12.7495%966
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.8357%1,300
Memoranda:
Average total assets$642,756,0001,264
Average earning assets$599,880,0001,262
Average equity$103,355,800938
Average total loans$463,095,0001,201
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5254%4,159
Cost of funding earning assets0.6171%2,509
Net interest margin2.9084%4,168
Noninterest income to average assets0.2072%4,233
Noninterest expense to average assets2.9035%1,697
Loan and lease loss provision to assets0.4002%881
Net operating income to assets-0.3748%4,877
Return on assets (ROA)-0.3533%4,881
Pretax return on assets-0.3533%4,873
Return on Equity (ROE)-2.0351%4,862
Retained earnings to average equity (ytd only)-2.0351%4,706
Net charge-offs to loans-0.0044%4,027
Credit loss provision to net charge-offs-12,778.5714%4,376
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio99.1292%182
Assets per employee ($millions)7.2204%1,364
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.8362%4,271
Loan loss allowance to noncurrent loans1,189.8990%512
Noncurrent assets plus other real estate owned to assets0.0499%4,189
Noncurrent loans to loans0.0703%4,092
Net loans and leases to total assets70.3526%1,896
Net loans and leases to deposits81.1393%2,185
Net loans and leases to core deposits83.8067%2,494
Total domestic deposits to total assets86.7059%1,769
Equity capital to assets12.8959%1,229
Core capital (leverage) ratio14.5778%612
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.1097%900
Memoranda:
Average total assets$595,915,2501,319
Average earning assets$557,684,2501,313
Average equity$103,446,250930
Average total loans$423,607,2501,280
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7038%4,084
Cost of funding earning assets0.7787%1,940
Net interest margin2.9251%4,269
Noninterest income to average assets0.1744%4,417
Noninterest expense to average assets3.2000%1,158
Loan and lease loss provision to assets0.4020%1,001
Net operating income to assets-0.6923%4,933
Return on assets (ROA)-0.6561%4,930
Pretax return on assets-0.6561%4,925
Return on Equity (ROE)-3.3492%4,902
Retained earnings to average equity (ytd only)-3.3492%4,682
Net charge-offs to loans-0.0074%4,121
Credit loss provision to net charge-offs-7,607.1429%4,168
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio109.9766%117
Assets per employee ($millions)6.2446%1,993
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.8178%4,301
Loan loss allowance to noncurrent loans997.0000%565
Noncurrent assets plus other real estate owned to assets0.0688%4,183
Noncurrent loans to loans0.0820%4,129
Net loans and leases to total assets71.7117%1,767
Net loans and leases to deposits85.1588%1,863
Net loans and leases to core deposits89.0778%2,153
Total domestic deposits to total assets84.2094%2,676
Equity capital to assets15.3053%568
Core capital (leverage) ratio16.6613%377
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.3982%548
Memoranda:
Average total assets$529,806,3331,435
Average earning assets$495,443,0001,425
Average equity$103,786,667924
Average total loans$376,982,3331,406
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9998%3,788
Cost of funding earning assets1.1477%915
Net interest margin2.8521%4,500
Noninterest income to average assets0.1320%4,710
Noninterest expense to average assets3.5305%891
Loan and lease loss provision to assets0.5316%549
Net operating income to assets-1.2643%5,010
Return on assets (ROA)-1.2643%4,993
Pretax return on assets-1.2643%4,977
Return on Equity (ROE)-5.5578%4,937
Retained earnings to average equity (ytd only)-5.5578%4,558
Net charge-offs to loans-0.0174%4,287
Credit loss provision to net charge-offs-4,342.8571%3,846
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio126.1875%87
Assets per employee ($millions)4.9686%2,683
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.0009%3,708
Loan loss allowance to noncurrent loans786.4143%667
Noncurrent assets plus other real estate owned to assets0.1083%4,077
Noncurrent loans to loans0.1273%4,010
Net loans and leases to total assets70.2945%2,201
Net loans and leases to deposits90.3151%1,470
Net loans and leases to core deposits96.4325%1,754
Total domestic deposits to total assets77.8325%4,244
Equity capital to assets20.8007%211
Core capital (leverage) ratio22.6497%157
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.7192%409
Memoranda:
Average total assets$457,503,0001,578
Average earning assets$427,619,5001,567
Average equity$104,069,500918
Average total loans$321,663,0001,554
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0403%4,164
Cost of funding earning assets1.1315%1,223
Net interest margin2.9088%4,644
Noninterest income to average assets0.2133%4,394
Noninterest expense to average assets4.6008%279
Loan and lease loss provision to assets1.0036%94
Net operating income to assets-2.2446%5,137
Return on assets (ROA)-2.2446%5,135
Pretax return on assets-2.6920%5,140
Return on Equity (ROE)-7.0554%5,099
Retained earnings to average equity (ytd only)-7.5195%5,036
Net charge-offs to loans0.0049%3,496
Credit loss provision to net charge-offs34,957.1429%4
Earnings coverage of net charge-offs (x)-588.1429%3,723
Efficiency ratio157.9777%39
Assets per employee ($millions)4.6070%3,076
Cash dividends to net income (ytd only)*-6.5777%5,154
Condition Ratios (%)
Loss allowance to loans1.0013%3,501
Loan loss allowance to noncurrent loans650.7830%793
Noncurrent assets plus other real estate owned to assets0.1279%4,005
Noncurrent loans to loans0.1539%3,912
Net loans and leases to total assets68.6057%2,599
Net loans and leases to deposits93.2037%1,229
Net loans and leases to core deposits101.3882%1,453
Total domestic deposits to total assets73.6084%4,791
Equity capital to assets25.2553%122
Core capital (leverage) ratio27.5187%92
Tier 1 risk-based capital ratio31.0685%440
Total risk-based capital ratio31.9310%445
Memoranda:
Average total assets$243,829,4002,501
Average earning assets$226,247,6002,489
Average equity$77,571,4001,115
Average total loans$141,607,8002,705
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9917%4,380
Cost of funding earning assets1.0512%1,534
Net interest margin2.9405%4,706
Noninterest income to average assets0.2507%4,239
Noninterest expense to average assets4.7291%258
Loan and lease loss provision to assets1.0288%88
Net operating income to assets-2.4022%5,218
Return on assets (ROA)-2.4022%5,217
Pretax return on assets-2.7676%5,221
Return on Equity (ROE)-6.8146%5,178
Retained earnings to average equity (ytd only)-7.4955%5,116
Net charge-offs to loans0.0013%3,409
Credit loss provision to net charge-offs154,300.0000%1
Earnings coverage of net charge-offs (x)-2,614.4737%3,454
Efficiency ratio158.1494%36
Assets per employee ($millions)4.8817%2,684
Cash dividends to net income (ytd only)*-9.9917%5,236
Condition Ratios (%)
Loss allowance to loans1.0009%3,566
Loan loss allowance to noncurrent loans442.9515%1,084
Noncurrent assets plus other real estate owned to assets0.1602%3,939
Noncurrent loans to loans0.2260%3,736
Net loans and leases to total assets56.5926%4,004
Net loans and leases to deposits82.4194%2,630
Net loans and leases to core deposits91.3123%2,435
Total domestic deposits to total assets68.6641%5,044
Equity capital to assets30.6308%68
Core capital (leverage) ratio35.5637%57
Tier 1 risk-based capital ratio52.8203%118
Total risk-based capital ratio53.8120%118
Memoranda:
Average total assets$199,977,0002,863
Average earning assets$186,316,0002,854
Average equity$70,494,2501,212
Average total loans$104,377,0003,201
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8278%4,679
Cost of funding earning assets0.8914%2,194
Net interest margin2.9364%4,772
Noninterest income to average assets0.2034%4,532
Noninterest expense to average assets5.5795%157
Loan and lease loss provision to assets1.0985%88
Net operating income to assets-3.2139%5,277
Return on assets (ROA)-3.2139%5,278
Pretax return on assets-3.7464%5,281
Return on Equity (ROE)-8.2677%5,229
Retained earnings to average equity (ytd only)-9.5069%5,170
Net charge-offs to loans-0.0028%4,017
Credit loss provision to net charge-offs-82,100.0000%4,577
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio190.3241%25
Assets per employee ($millions)3.4871%4,512
Cash dividends to net income (ytd only)*-14.9875%5,284
Condition Ratios (%)
Loss allowance to loans0.9841%3,717
Loan loss allowance to noncurrent loans283.7363%1,662
Noncurrent assets plus other real estate owned to assets0.2246%3,677
Noncurrent loans to loans0.3468%3,306
Net loans and leases to total assets51.7365%4,367
Net loans and leases to deposits85.4057%2,325
Net loans and leases to core deposits93.1662%2,314
Total domestic deposits to total assets60.5774%5,206
Equity capital to assets38.4735%53
Core capital (leverage) ratio47.9618%39
Tier 1 risk-based capital ratio64.6883%80
Total risk-based capital ratio65.5551%82
Memoranda:
Average total assets$149,476,3303,357
Average earning assets$138,879,0003,346
Average equity$58,105,3301,398
Average total loans$72,195,3303,796
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5835%4,979
Cost of funding earning assets0.6002%3,575
Net interest margin2.9833%4,776
Noninterest income to average assets0.2027%4,542
Noninterest expense to average assets5.7602%148
Loan and lease loss provision to assets-0.0081%5,205
Net operating income to assets-2.3065%5,325
Return on assets (ROA)-2.3065%5,324
Pretax return on assets-2.8294%5,326
Return on Equity (ROE)-5.8570%5,267
Retained earnings to average equity (ytd only)-9.5627%5,091
Net charge-offs to loans0.0187%2,092
Credit loss provision to net charge-offs-100.0000%3,545
Earnings coverage of net charge-offs (x)-350.0000%2,736
Efficiency ratio197.0874%24
Assets per employee ($millions)2.3877%5,211
Cash dividends to net income (ytd only)*-63.2689%5,337
Condition Ratios (%)
Loss allowance to loans1.0014%3,698
Loan loss allowance to noncurrent loans801.7241%739
Noncurrent assets plus other real estate owned to assets0.1044%4,289
Noncurrent loans to loans0.1249%4,177
Net loans and leases to total assets31.5617%5,124
Net loans and leases to deposits63.6575%4,204
Net loans and leases to core deposits70.3202%4,069
Total domestic deposits to total assets49.5805%5,314
Equity capital to assets49.0381%36
Core capital (leverage) ratio88.3478%17
Tier 1 risk-based capital ratio151.1534%31
Total risk-based capital ratio152.1375%31
Memoranda:
Average total assets$98,677,5004,129
Average earning assets$89,968,5004,146
Average equity$38,859,5001,976
Average total loans$42,699,0004,474
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1584%757
Cost of funding earning assets0.8119%1,468
Net interest margin4.3465%1,048
Noninterest income to average assets0.5128%2,761
Noninterest expense to average assets3.5272%965
Loan and lease loss provision to assets0.1246%1,771
Net operating income to assets0.8844%3,479
Return on assets (ROA)0.8844%3,474
Pretax return on assets0.8844%3,935
Return on Equity (ROE)7.0077%3,819
Retained earnings to average equity (ytd only)4.9186%2,814
Net charge-offs to loans0.0820%1,964
Credit loss provision to net charge-offs187.5000%1,520
Earnings coverage of net charge-offs (x)15.1875%2,341
Efficiency ratio77.7574%1,150
Assets per employee ($millions)5.1707%2,305
Cash dividends to net income (ytd only)*29.8122%3,055
Condition Ratios (%)
Loss allowance to loans1.2037%2,552
Loan loss allowance to noncurrent loans75.0400%3,832
Noncurrent assets plus other real estate owned to assets1.2087%1,079
Noncurrent loans to loans1.6040%917
Net loans and leases to total assets74.4483%1,854
Net loans and leases to deposits88.2670%2,014
Net loans and leases to core deposits101.4254%1,613
Total domestic deposits to total assets84.3445%2,892
Equity capital to assets12.1763%1,776
Core capital (leverage) ratio12.0431%1,709
Tier 1 risk-based capital ratio17.5386%1,890
Total risk-based capital ratio18.7888%1,845
Memoranda:
Average total assets$48,169,2004,970
Average earning assets$44,587,6004,963
Average equity$6,079,0004,882
Average total loans$39,007,0004,584
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1338%713
Cost of funding earning assets0.7840%1,412
Net interest margin4.3499%1,008
Noninterest income to average assets0.5809%2,412
Noninterest expense to average assets3.6713%784
Loan and lease loss provision to assets0.1692%1,105
Net operating income to assets0.7613%4,042
Return on assets (ROA)0.7613%4,050
Pretax return on assets0.7613%4,396
Return on Equity (ROE)5.9752%4,273
Retained earnings to average equity (ytd only)3.1646%4,164
Net charge-offs to loans0.0957%1,535
Credit loss provision to net charge-offs214.2857%1,312
Earnings coverage of net charge-offs (x)11.7865%2,492
Efficiency ratio79.7794%960
Assets per employee ($millions)4.1013%3,727
Cash dividends to net income (ytd only)*47.0374%1,717
Condition Ratios (%)
Loss allowance to loans1.1438%2,943
Loan loss allowance to noncurrent loans74.2543%3,922
Noncurrent assets plus other real estate owned to assets1.6824%735
Noncurrent loans to loans1.5403%1,041
Net loans and leases to total assets83.0665%558
Net loans and leases to deposits105.7667%452
Net loans and leases to core deposits135.9923%241
Total domestic deposits to total assets78.5375%4,399
Equity capital to assets12.4716%1,610
Core capital (leverage) ratio13.0447%1,263
Tier 1 risk-based capital ratio16.6373%2,227
Total risk-based capital ratio17.8859%2,174
Memoranda:
Average total assets$47,284,7505,043
Average earning assets$43,709,0005,033
Average equity$6,024,7504,943
Average total loans$39,017,7504,630
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1776%579
Cost of funding earning assets0.7509%1,365
Net interest margin4.4267%802
Noninterest income to average assets0.6132%2,253
Noninterest expense to average assets3.7220%734
Loan and lease loss provision to assets0.2573%596
Net operating income to assets0.7290%4,110
Return on assets (ROA)0.7290%4,110
Pretax return on assets0.7290%4,441
Return on Equity (ROE)5.6790%4,351
Retained earnings to average equity (ytd only)1.4364%4,656
Net charge-offs to loans-0.0052%4,111
Credit loss provision to net charge-offs-6,000.0000%4,767
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.0528%1,112
Assets per employee ($millions)4.2648%3,478
Cash dividends to net income (ytd only)*74.7059%859
Condition Ratios (%)
Loss allowance to loans1.2719%2,310
Loan loss allowance to noncurrent loans90.7776%3,639
Noncurrent assets plus other real estate owned to assets1.1788%1,225
Noncurrent loans to loans1.4011%1,206
Net loans and leases to total assets83.0644%571
Net loans and leases to deposits99.9103%813
Net loans and leases to core deposits129.0588%347
Total domestic deposits to total assets83.1390%3,373
Equity capital to assets12.8749%1,359
Core capital (leverage) ratio12.8435%1,299
Tier 1 risk-based capital ratio17.6273%1,908
Total risk-based capital ratio18.8787%1,864
Memoranda:
Average total assets$46,641,0005,115
Average earning assets$43,147,3305,105
Average equity$5,987,0005,006
Average total loans$38,238,6704,695
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9871%715
Cost of funding earning assets0.7257%1,315
Net interest margin4.2614%1,020
Noninterest income to average assets0.5591%2,473
Noninterest expense to average assets3.8103%665
Loan and lease loss provision to assets0.2580%563
Net operating income to assets0.4301%4,862
Return on assets (ROA)0.4301%4,869
Pretax return on assets0.4301%4,987
Return on Equity (ROE)3.3554%4,939
Retained earnings to average equity (ytd only)-5.1674%5,213
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.7036%744
Assets per employee ($millions)4.3057%3,477
Cash dividends to net income (ytd only)*254.0000%111
Condition Ratios (%)
Loss allowance to loans1.2268%2,649
Loan loss allowance to noncurrent loans84.5601%3,740
Noncurrent assets plus other real estate owned to assets1.1760%1,303
Noncurrent loans to loans1.4508%1,221
Net loans and leases to total assets80.0646%926
Net loans and leases to deposits95.7625%1,061
Net loans and leases to core deposits122.0070%525
Total domestic deposits to total assets83.6075%3,465
Equity capital to assets12.4992%1,488
Core capital (leverage) ratio12.7003%1,294
Tier 1 risk-based capital ratio17.8143%1,888
Total risk-based capital ratio19.0657%1,834
Memoranda:
Average total assets$46,505,0005,176
Average earning assets$42,991,0005,164
Average equity$5,960,5005,063
Average total loans$37,623,0004,761
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9056%784
Cost of funding earning assets0.6459%1,322
Net interest margin4.2597%1,057
Noninterest income to average assets0.4402%3,372
Noninterest expense to average assets3.4581%1,110
Loan and lease loss provision to assets0.2407%793
Net operating income to assets0.6892%3,645
Return on assets (ROA)0.6892%3,698
Pretax return on assets0.6892%4,533
Return on Equity (ROE)5.6743%3,882
Retained earnings to average equity (ytd only)0.2033%4,937
Net charge-offs to loans0.3889%646
Credit loss provision to net charge-offs74.5223%3,022
Earnings coverage of net charge-offs (x)2.8790%3,683
Efficiency ratio78.8092%1,246
Assets per employee ($millions)3.8039%4,276
Cash dividends to net income (ytd only)*96.4179%417
Condition Ratios (%)
Loss allowance to loans1.1966%2,809
Loan loss allowance to noncurrent loans151.0274%2,787
Noncurrent assets plus other real estate owned to assets0.6397%2,411
Noncurrent loans to loans0.7923%2,231
Net loans and leases to total assets79.7709%990
Net loans and leases to deposits96.3103%1,061
Net loans and leases to core deposits121.7093%530
Total domestic deposits to total assets82.8269%3,619
Equity capital to assets13.1465%1,193
Core capital (leverage) ratio12.2067%1,494
Tier 1 risk-based capital ratio18.4505%1,666
Total risk-based capital ratio19.6992%1,621
Memoranda:
Average total assets$48,610,4005,181
Average earning assets$45,050,6005,173
Average equity$5,903,8005,112
Average total loans$40,371,4004,720
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8145%904
Cost of funding earning assets0.6095%1,466
Net interest margin4.2050%1,142
Noninterest income to average assets0.4377%3,424
Noninterest expense to average assets3.3717%1,200
Loan and lease loss provision to assets0.2350%767
Net operating income to assets0.7267%3,835
Return on assets (ROA)0.7267%3,906
Pretax return on assets0.7267%4,539
Return on Equity (ROE)6.1002%4,080
Retained earnings to average equity (ytd only)-1.2246%5,369
Net charge-offs to loans0.2586%836
Credit loss provision to net charge-offs108.7500%2,153
Earnings coverage of net charge-offs (x)4.4501%3,223
Efficiency ratio77.8055%1,354
Assets per employee ($millions)4.2878%3,491
Cash dividends to net income (ytd only)*120.0747%170
Condition Ratios (%)
Loss allowance to loans1.1421%3,241
Loan loss allowance to noncurrent loans121.3930%3,199
Noncurrent assets plus other real estate owned to assets0.7813%2,182
Noncurrent loans to loans0.9408%2,042
Net loans and leases to total assets82.0927%673
Net loans and leases to deposits103.9728%501
Net loans and leases to core deposits136.0080%257
Total domestic deposits to total assets78.9560%4,536
Equity capital to assets11.5365%2,327
Core capital (leverage) ratio12.0060%1,683
Tier 1 risk-based capital ratio15.4292%2,732
Total risk-based capital ratio16.6775%2,680
Memoranda:
Average total assets$49,351,2505,228
Average earning assets$45,722,0005,211
Average equity$5,879,5005,172
Average total loans$41,250,7504,733
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7012%1,055
Cost of funding earning assets0.5727%1,631
Net interest margin4.1285%1,252
Noninterest income to average assets0.4275%3,506
Noninterest expense to average assets3.3340%1,305
Loan and lease loss provision to assets0.1727%1,116
Net operating income to assets0.7441%3,653
Return on assets (ROA)0.7441%3,716
Pretax return on assets0.7441%4,444
Return on Equity (ROE)6.1768%3,966
Retained earnings to average equity (ytd only)-4.8459%5,530
Net charge-offs to loans0.0687%1,945
Credit loss provision to net charge-offs300.0000%956
Earnings coverage of net charge-offs (x)15.9286%1,999
Efficiency ratio78.4333%1,404
Assets per employee ($millions)4.9331%2,473
Cash dividends to net income (ytd only)*178.4530%100
Condition Ratios (%)
Loss allowance to loans1.1878%3,101
Loan loss allowance to noncurrent loans80.6656%3,945
Noncurrent assets plus other real estate owned to assets1.2791%1,299
Noncurrent loans to loans1.4725%1,281
Net loans and leases to total assets85.8324%286
Net loans and leases to deposits107.5735%334
Net loans and leases to core deposits134.5900%243
Total domestic deposits to total assets79.7896%4,457
Equity capital to assets11.8506%2,038
Core capital (leverage) ratio12.2975%1,475
Tier 1 risk-based capital ratio15.0703%2,893
Total risk-based capital ratio16.3207%2,832
Memoranda:
Average total assets$48,650,3305,281
Average earning assets$45,052,6705,261
Average equity$5,860,6705,211
Average total loans$40,758,3304,781
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5537%1,251
Cost of funding earning assets0.5479%1,730
Net interest margin4.0058%1,459
Noninterest income to average assets0.4057%3,615
Noninterest expense to average assets3.2126%1,572
Loan and lease loss provision to assets0.1076%1,776
Net operating income to assets0.7783%3,322
Return on assets (ROA)0.7783%3,380
Pretax return on assets0.7783%4,191
Return on Equity (ROE)6.4076%3,710
Retained earnings to average equity (ytd only)-15.6101%5,672
Net charge-offs to loans0.1209%1,202
Credit loss provision to net charge-offs108.3333%1,489
Earnings coverage of net charge-offs (x)8.9167%2,027
Efficiency ratio78.3838%1,576
Assets per employee ($millions)4.8155%2,675
Cash dividends to net income (ytd only)*343.6170%81
Condition Ratios (%)
Loss allowance to loans1.1882%3,205
Loan loss allowance to noncurrent loans73.7003%4,126
Noncurrent assets plus other real estate owned to assets1.9853%666
Noncurrent loans to loans1.6122%1,207
Net loans and leases to total assets83.2375%443
Net loans and leases to deposits100.6403%580
Net loans and leases to core deposits124.2922%355
Total domestic deposits to total assets82.7079%3,947
Equity capital to assets11.9510%1,876
Core capital (leverage) ratio12.1723%1,523
Tier 1 risk-based capital ratio15.6506%2,693
Total risk-based capital ratio16.9009%2,630
Memoranda:
Average total assets$48,310,0005,341
Average earning assets$44,535,5005,332
Average equity$5,868,0005,255
Average total loans$39,712,0004,860
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8648%786
Cost of funding earning assets0.5633%1,582
Net interest margin4.3015%929
Noninterest income to average assets0.2673%4,817
Noninterest expense to average assets3.2916%1,596
Loan and lease loss provision to assets0.2077%1,092
Net operating income to assets0.7158%3,709
Return on assets (ROA)0.7158%3,829
Pretax return on assets0.7158%4,441
Return on Equity (ROE)5.5540%4,182
Retained earnings to average equity (ytd only)2.4685%4,115
Net charge-offs to loans0.0440%3,155
Credit loss provision to net charge-offs587.5000%584
Earnings coverage of net charge-offs (x)26.1250%1,561
Efficiency ratio78.0922%1,682
Assets per employee ($millions)4.8465%2,580
Cash dividends to net income (ytd only)*55.5556%2,009
Condition Ratios (%)
Loss allowance to loans1.2378%2,890
Loan loss allowance to noncurrent loans47.7656%4,717
Noncurrent assets plus other real estate owned to assets2.7257%415
Noncurrent loans to loans2.5914%592
Net loans and leases to total assets79.1870%1,005
Net loans and leases to deposits95.5081%1,044
Net loans and leases to core deposits119.6769%492
Total domestic deposits to total assets82.9114%3,795
Equity capital to assets12.3409%1,611
Core capital (leverage) ratio12.3108%1,428
Tier 1 risk-based capital ratio16.4140%2,379
Total risk-based capital ratio17.6642%2,321
Memoranda:
Average total assets$45,267,0005,435
Average earning assets$41,543,4005,432
Average equity$5,833,6005,305
Average total loans$36,331,0005,009
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8993%725
Cost of funding earning assets0.5553%1,649
Net interest margin4.3440%853
Noninterest income to average assets0.2489%4,978
Noninterest expense to average assets3.3192%1,521
Loan and lease loss provision to assets0.2369%818
Net operating income to assets0.6806%3,957
Return on assets (ROA)0.6806%4,082
Pretax return on assets0.6806%4,665
Return on Equity (ROE)5.2212%4,422
Retained earnings to average equity (ytd only)1.0811%5,061
Net charge-offs to loans0.0373%2,881
Credit loss provision to net charge-offs790.0000%511
Earnings coverage of net charge-offs (x)30.6069%1,468
Efficiency ratio78.3439%1,639
Assets per employee ($millions)4.7981%2,611
Cash dividends to net income (ytd only)*79.2936%755
Condition Ratios (%)
Loss allowance to loans1.1849%3,335
Loan loss allowance to noncurrent loans46.0039%4,845
Noncurrent assets plus other real estate owned to assets2.1383%702
Noncurrent loans to loans2.5758%667
Net loans and leases to total assets82.0346%612
Net loans and leases to deposits107.9123%307
Net loans and leases to core deposits137.0365%218
Total domestic deposits to total assets76.0197%5,234
Equity capital to assets12.2882%1,905
Core capital (leverage) ratio12.8887%1,232
Tier 1 risk-based capital ratio16.3090%2,494
Total risk-based capital ratio17.5578%2,448
Memoranda:
Average total assets$44,467,5005,504
Average earning assets$40,821,2505,502
Average equity$5,796,7505,371
Average total loans$35,699,0005,074
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6599%1,144
Cost of funding earning assets0.5485%1,709
Net interest margin4.1114%1,336
Noninterest income to average assets0.2679%4,867
Noninterest expense to average assets3.3721%1,428
Loan and lease loss provision to assets0.2494%775
Net operating income to assets0.4204%4,973
Return on assets (ROA)0.4204%5,060
Pretax return on assets0.4204%5,305
Return on Equity (ROE)3.1577%5,200
Retained earnings to average equity (ytd only)-3.0883%5,644
Net charge-offs to loans0.0408%2,642
Credit loss provision to net charge-offs771.4286%466
Earnings coverage of net charge-offs (x)20.7143%1,713
Efficiency ratio83.4286%1,101
Assets per employee ($millions)4.2647%3,441
Cash dividends to net income (ytd only)*197.8022%109
Condition Ratios (%)
Loss allowance to loans1.2547%3,047
Loan loss allowance to noncurrent loans23.9234%5,374
Noncurrent assets plus other real estate owned to assets4.4106%182
Noncurrent loans to loans5.2447%161
Net loans and leases to total assets83.0422%511
Net loans and leases to deposits100.3173%670
Net loans and leases to core deposits130.8275%295
Total domestic deposits to total assets82.7796%3,731
Equity capital to assets13.4992%1,238
Core capital (leverage) ratio13.7307%892
Tier 1 risk-based capital ratio16.8211%2,295
Total risk-based capital ratio18.0694%2,247
Memoranda:
Average total assets$43,296,3305,597
Average earning assets$39,743,3305,591
Average equity$5,763,6705,430
Average total loans$34,321,0005,164
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3599%1,936
Cost of funding earning assets0.5475%1,736
Net interest margin3.8124%2,250
Noninterest income to average assets0.2659%4,832
Noninterest expense to average assets3.2737%1,660
Loan and lease loss provision to assets0.2201%871
Net operating income to assets0.2843%5,345
Return on assets (ROA)0.2843%5,422
Pretax return on assets0.2843%5,536
Return on Equity (ROE)2.1502%5,473
Retained earnings to average equity (ytd only)-10.3347%5,816
Net charge-offs to loans0.0835%1,663
Credit loss provision to net charge-offs342.8571%779
Earnings coverage of net charge-offs (x)7.8571%2,109
Efficiency ratio86.6505%916
Assets per employee ($millions)4.1395%3,691
Cash dividends to net income (ytd only)*580.6452%34
Condition Ratios (%)
Loss allowance to loans1.2380%3,265
Loan loss allowance to noncurrent loans22.6659%5,417
Noncurrent assets plus other real estate owned to assets4.4764%202
Noncurrent loans to loans5.4617%167
Net loans and leases to total assets80.9446%690
Net loans and leases to deposits94.0178%1,143
Net loans and leases to core deposits121.0907%437
Total domestic deposits to total assets86.0949%2,635
Equity capital to assets13.7529%1,070
Core capital (leverage) ratio13.7281%894
Tier 1 risk-based capital ratio17.2144%2,206
Total risk-based capital ratio18.4418%2,184
Memoranda:
Average total assets$43,621,0005,643
Average earning assets$40,184,5005,631
Average equity$5,767,0005,460
Average total loans$33,549,0005,225
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5930%1,353
Cost of funding earning assets0.5672%1,615
Net interest margin4.0258%1,628
Noninterest income to average assets0.2112%5,329
Noninterest expense to average assets3.1005%2,237
Loan and lease loss provision to assets0.1857%1,205
Net operating income to assets0.6150%4,201
Return on assets (ROA)0.6150%4,296
Pretax return on assets0.6150%4,794
Return on Equity (ROE)4.6403%4,687
Retained earnings to average equity (ytd only)2.6966%4,153
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.4765%1,751
Assets per employee ($millions)4.5847%2,908
Cash dividends to net income (ytd only)*41.8868%2,753
Condition Ratios (%)
Loss allowance to loans1.2149%3,389
Loan loss allowance to noncurrent loans79.1749%4,160
Noncurrent assets plus other real estate owned to assets1.1102%1,970
Noncurrent loans to loans1.5345%1,510
Net loans and leases to total assets71.4725%2,140
Net loans and leases to deposits89.8837%1,627
Net loans and leases to core deposits110.9914%812
Total domestic deposits to total assets79.5167%4,865
Equity capital to assets12.7402%1,495
Core capital (leverage) ratio12.6316%1,292
Tier 1 risk-based capital ratio18.0937%1,937
Total risk-based capital ratio19.3417%1,896
Memoranda:
Average total assets$43,089,2005,702
Average earning assets$39,495,2005,693
Average equity$5,710,8005,503
Average total loans$31,435,0005,313
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5771%1,389
Cost of funding earning assets0.5704%1,626
Net interest margin4.0067%1,676
Noninterest income to average assets0.2138%5,372
Noninterest expense to average assets3.1729%2,038
Loan and lease loss provision to assets0.1572%1,371
Net operating income to assets0.5503%4,587
Return on assets (ROA)0.5503%4,688
Pretax return on assets0.5503%5,097
Return on Equity (ROE)4.1092%4,990
Retained earnings to average equity (ytd only)1.5028%5,117
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.7666%1,425
Assets per employee ($millions)5.2574%1,992
Cash dividends to net income (ytd only)*63.4295%1,283
Condition Ratios (%)
Loss allowance to loans1.0468%4,490
Loan loss allowance to noncurrent loans74.4511%4,296
Noncurrent assets plus other real estate owned to assets1.0588%2,242
Noncurrent loans to loans1.4060%1,806
Net loans and leases to total assets74.5166%1,635
Net loans and leases to deposits96.8042%925
Net loans and leases to core deposits118.5017%512
Total domestic deposits to total assets76.9766%5,341
Equity capital to assets12.1542%1,997
Core capital (leverage) ratio13.0492%1,187
Tier 1 risk-based capital ratio16.6933%2,485
Total risk-based capital ratio17.7756%2,523
Memoranda:
Average total assets$42,399,7505,794
Average earning assets$38,800,7505,783
Average equity$5,678,2505,578
Average total loans$31,001,0005,383
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5445%1,414
Cost of funding earning assets0.5795%1,567
Net interest margin3.9650%1,758
Noninterest income to average assets0.2355%5,273
Noninterest expense to average assets3.2826%1,756
Loan and lease loss provision to assets0.0883%2,341
Net operating income to assets0.4907%4,812
Return on assets (ROA)0.4907%4,913
Pretax return on assets0.4907%5,254
Return on Equity (ROE)3.5373%5,207
Retained earnings to average equity (ytd only)-0.3891%5,584
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.0064%1,153
Assets per employee ($millions)4.7241%2,643
Cash dividends to net income (ytd only)*111.0000%389
Condition Ratios (%)
Loss allowance to loans1.0603%4,535
Loan loss allowance to noncurrent loans46.2060%5,106
Noncurrent assets plus other real estate owned to assets1.7358%1,354
Noncurrent loans to loans2.2947%1,030
Net loans and leases to total assets74.8407%1,529
Net loans and leases to deposits98.1039%781
Net loans and leases to core deposits128.8416%289
Total domestic deposits to total assets76.2871%5,563
Equity capital to assets13.3241%1,251
Core capital (leverage) ratio14.4046%734
Tier 1 risk-based capital ratio18.6482%1,882
Total risk-based capital ratio19.7681%1,878
Memoranda:
Average total assets$40,760,6705,889
Average earning assets$37,276,0005,880
Average equity$5,654,0005,636
Average total loans$29,457,3305,493
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4014%1,764
Cost of funding earning assets0.5942%1,476
Net interest margin3.8072%2,206
Noninterest income to average assets0.2407%5,249
Noninterest expense to average assets3.3599%1,579
Loan and lease loss provision to assets0.0903%2,188
Net operating income to assets0.2608%5,530
Return on assets (ROA)0.2608%5,625
Pretax return on assets0.2608%5,730
Return on Equity (ROE)1.8412%5,721
Retained earnings to average equity (ytd only)-6.0193%5,989
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.5405%814
Assets per employee ($millions)4.3751%3,241
Cash dividends to net income (ytd only)*426.9231%41
Condition Ratios (%)
Loss allowance to loans1.1671%4,163
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets71.3988%1,917
Net loans and leases to deposits87.3268%1,688
Net loans and leases to core deposits116.0776%519
Total domestic deposits to total assets81.7605%4,581
Equity capital to assets14.2396%911
Core capital (leverage) ratio14.3781%722
Tier 1 risk-based capital ratio21.4286%1,342
Total risk-based capital ratio22.6751%1,315
Memoranda:
Average total assets$39,882,5005,959
Average earning assets$36,352,0005,957
Average equity$5,648,5005,690
Average total loans$28,105,5005,591
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8049%1,108
Cost of funding earning assets0.5913%1,842
Net interest margin4.2135%1,261
Noninterest income to average assets0.3833%4,308
Noninterest expense to average assets3.6337%1,243
Loan and lease loss provision to assets0.0972%2,525
Net operating income to assets0.4805%4,888
Return on assets (ROA)0.4805%4,981
Pretax return on assets0.4805%5,298
Return on Equity (ROE)3.1908%5,414
Retained earnings to average equity (ytd only)3.1908%3,965
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.2821%1,137
Assets per employee ($millions)4.0389%3,860
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.1633%4,205
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets67.9442%2,562
Net loans and leases to deposits84.0928%2,206
Net loans and leases to core deposits104.6566%1,094
Total domestic deposits to total assets80.7968%4,795
Equity capital to assets14.0880%926
Core capital (leverage) ratio15.0598%602
Tier 1 risk-based capital ratio22.3827%1,165
Total risk-based capital ratio23.6338%1,150
Memoranda:
Average total assets$37,042,0006,103
Average earning assets$33,653,4006,104
Average equity$5,578,6005,720
Average total loans$26,497,4005,723
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8432%1,028
Cost of funding earning assets0.5968%1,868
Net interest margin4.2464%1,169
Noninterest income to average assets0.4456%3,922
Noninterest expense to average assets3.6605%1,191
Loan and lease loss provision to assets0.0994%2,384
Net operating income to assets0.5377%4,721
Return on assets (ROA)0.5377%4,791
Pretax return on assets0.5377%5,212
Return on Equity (ROE)3.5069%5,363
Retained earnings to average equity (ytd only)3.5069%4,143
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.1757%1,269
Assets per employee ($millions)3.7516%4,391
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.0968%4,764
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets75.4771%1,290
Net loans and leases to deposits96.7969%816
Net loans and leases to core deposits126.7672%274
Total domestic deposits to total assets77.9747%5,542
Equity capital to assets15.0496%724
Core capital (leverage) ratio15.0906%604
Tier 1 risk-based capital ratio22.3024%1,222
Total risk-based capital ratio23.5403%1,207
Memoranda:
Average total assets$36,205,2506,196
Average earning assets$32,842,5006,196
Average equity$5,550,7505,787
Average total loans$26,180,5005,791
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6932%1,292
Cost of funding earning assets0.5966%1,928
Net interest margin4.0965%1,524
Noninterest income to average assets0.4473%3,893
Noninterest expense to average assets3.6401%1,225
Loan and lease loss provision to assets0.1006%2,339
Net operating income to assets0.4305%5,094
Return on assets (ROA)0.4305%5,181
Pretax return on assets0.4305%5,478
Return on Equity (ROE)2.7904%5,596
Retained earnings to average equity (ytd only)2.7904%4,425
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.2654%1,158
Assets per employee ($millions)4.2329%3,405
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.1471%4,672
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,288
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets68.9915%2,239
Net loans and leases to deposits87.7182%1,626
Net loans and leases to core deposits103.8566%1,032
Total domestic deposits to total assets78.6513%5,524
Equity capital to assets14.6183%788
Core capital (leverage) ratio15.6002%529
Tier 1 risk-based capital ratio22.2046%1,229
Total risk-based capital ratio23.4165%1,214
Memoranda:
Average total assets$35,768,3306,271
Average earning assets$32,515,3306,268
Average equity$5,519,0005,830
Average total loans$25,364,0005,863
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6027%1,500
Cost of funding earning assets0.6086%1,906
Net interest margin3.9940%1,787
Noninterest income to average assets0.4624%3,691
Noninterest expense to average assets3.5949%1,315
Loan and lease loss provision to assets0.1040%2,186
Net operating income to assets0.4046%5,093
Return on assets (ROA)0.4046%5,159
Pretax return on assets0.4046%5,442
Return on Equity (ROE)2.5482%5,608
Retained earnings to average equity (ytd only)2.5482%4,539
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.6056%1,272
Assets per employee ($millions)3.4901%4,938
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1801%4,733
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,361
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets71.0209%1,719
Net loans and leases to deposits84.4848%1,774
Net loans and leases to core deposits100.3888%1,076
Total domestic deposits to total assets84.0635%4,253
Equity capital to assets15.8104%550
Core capital (leverage) ratio16.2140%455
Tier 1 risk-based capital ratio23.3015%1,099
Total risk-based capital ratio24.5452%1,084
Memoranda:
Average total assets$34,604,5006,361
Average earning assets$31,547,0006,350
Average equity$5,494,0005,867
Average total loans$24,752,0005,947
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6518%1,710
Cost of funding earning assets0.6940%1,865
Net interest margin3.9578%2,078
Noninterest income to average assets0.4150%4,342
Noninterest expense to average assets3.8997%994
Loan and lease loss provision to assets0.0938%3,244
Net operating income to assets0.0199%6,180
Return on assets (ROA)0.0682%6,148
Pretax return on assets0.0682%6,132
Return on Equity (ROE)0.4364%6,178
Retained earnings to average equity (ytd only)0.4364%5,653
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.1671%580
Assets per employee ($millions)3.1189%5,640
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.1752%4,782
Loan loss allowance to noncurrent loans735.8974%679
Noncurrent assets plus other real estate owned to assets0.1137%5,991
Noncurrent loans to loans0.1597%5,715
Net loans and leases to total assets70.3451%1,961
Net loans and leases to deposits83.8539%1,956
Net loans and leases to core deposits99.9669%1,163
Total domestic deposits to total assets83.8901%4,205
Equity capital to assets15.9438%533
Core capital (leverage) ratio15.7381%503
Tier 1 risk-based capital ratio23.1399%1,075
Total risk-based capital ratio24.3450%1,060
Memoranda:
Average total assets$35,182,0006,411
Average earning assets$31,987,8006,398
Average equity$5,499,4005,928
Average total loans$24,144,0006,025
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7644%1,429
Cost of funding earning assets0.7084%1,898
Net interest margin4.0559%1,769
Noninterest income to average assets0.3804%4,672
Noninterest expense to average assets3.8078%1,072
Loan and lease loss provision to assets0.0904%3,255
Net operating income to assets0.1695%5,986
Return on assets (ROA)0.2335%5,911
Pretax return on assets0.2335%5,991
Return on Equity (ROE)1.5011%6,075
Retained earnings to average equity (ytd only)1.5011%5,381
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.6111%762
Assets per employee ($millions)3.2307%5,427
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.0812%5,397
Loan loss allowance to noncurrent loans496.4286%891
Noncurrent assets plus other real estate owned to assets0.1576%5,962
Noncurrent loans to loans0.2178%5,689
Net loans and leases to total assets71.5685%1,668
Net loans and leases to deposits87.2851%1,461
Net loans and leases to core deposits104.8695%829
Total domestic deposits to total assets81.9939%4,934
Equity capital to assets15.4989%628
Core capital (leverage) ratio15.8615%514
Tier 1 risk-based capital ratio23.2721%1,100
Total risk-based capital ratio24.4380%1,094
Memoranda:
Average total assets$35,400,5006,474
Average earning assets$32,182,5006,463
Average equity$5,506,7506,000
Average total loans$24,074,7506,090
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6264%1,761
Cost of funding earning assets0.7285%1,853
Net interest margin3.8979%2,215
Noninterest income to average assets0.4016%4,517
Noninterest expense to average assets3.6940%1,256
Loan and lease loss provision to assets0.0849%3,381
Net operating income to assets0.1641%5,991
Return on assets (ROA)0.2602%5,875
Pretax return on assets0.2602%5,980
Return on Equity (ROE)1.6708%6,045
Retained earnings to average equity (ytd only)1.6708%5,181
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.6872%775
Assets per employee ($millions)3.1582%5,567
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.1025%5,433
Loan loss allowance to noncurrent loans448.3333%966
Noncurrent assets plus other real estate owned to assets0.1727%5,985
Noncurrent loans to loans0.2459%5,691
Net loans and leases to total assets69.4560%1,985
Net loans and leases to deposits85.0361%1,682
Net loans and leases to core deposits102.6853%904
Total domestic deposits to total assets81.6782%5,151
Equity capital to assets15.8261%554
Core capital (leverage) ratio15.4678%526
Tier 1 risk-based capital ratio24.7905%895
Total risk-based capital ratio25.9958%887
Memoranda:
Average total assets$35,354,6706,523
Average earning assets$32,120,0006,511
Average equity$5,506,3306,041
Average total loans$23,529,0006,148
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1917%3,342
Cost of funding earning assets0.7666%1,734
Net interest margin3.4251%4,027
Noninterest income to average assets0.3814%4,612
Noninterest expense to average assets3.4771%1,668
Loan and lease loss provision to assets0.1009%2,993
Net operating income to assets-0.0897%6,431
Return on assets (ROA)0.1009%6,238
Pretax return on assets0.1009%6,259
Return on Equity (ROE)0.6533%6,296
Retained earnings to average equity (ytd only)0.6533%5,567
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio99.6785%556
Assets per employee ($millions)3.6104%4,758
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.1299%5,486
Loan loss allowance to noncurrent loans410.9375%1,010
Noncurrent assets plus other real estate owned to assets0.1773%6,038
Noncurrent loans to loans0.2750%5,715
Net loans and leases to total assets63.7409%2,763
Net loans and leases to deposits77.3182%2,446
Net loans and leases to core deposits91.5940%1,546
Total domestic deposits to total assets82.4396%5,048
Equity capital to assets15.2310%704
Core capital (leverage) ratio15.2048%561
Tier 1 risk-based capital ratio24.0893%1,002
Total risk-based capital ratio25.2422%995
Memoranda:
Average total assets$35,662,0006,577
Average earning assets$32,349,5006,570
Average equity$5,510,5006,097
Average total loans$23,094,5006,216
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8421%2,052
Cost of funding earning assets0.8669%2,166
Net interest margin3.9752%2,490
Noninterest income to average assets0.1978%6,004
Noninterest expense to average assets3.6806%1,455
Loan and lease loss provision to assets0.1708%3,484
Net operating income to assets-0.0390%6,225
Return on assets (ROA)-0.0390%6,336
Pretax return on assets-0.0390%6,320
Return on Equity (ROE)-0.2356%6,330
Retained earnings to average equity (ytd only)-0.2356%5,894
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.5409%687
Assets per employee ($millions)3.9133%4,121
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.1085%5,524
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,725
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets64.3356%2,837
Net loans and leases to deposits81.9820%2,001
Net loans and leases to core deposits98.4917%1,112
Total domestic deposits to total assets78.4753%5,995
Equity capital to assets15.6786%607
Core capital (leverage) ratio15.4694%511
Tier 1 risk-based capital ratio23.7481%997
Total risk-based capital ratio24.8474%1,001
Memoranda:
Average total assets$33,364,2006,671
Average earning assets$30,338,0006,654
Average equity$5,518,2006,142
Average total loans$22,193,6006,333
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8545%2,176
Cost of funding earning assets0.8790%2,321
Net interest margin3.9755%2,600
Noninterest income to average assets0.1662%6,311
Noninterest expense to average assets3.6513%1,453
Loan and lease loss provision to assets0.2107%2,962
Net operating income to assets-0.0851%6,392
Return on assets (ROA)-0.0851%6,486
Pretax return on assets-0.0851%6,471
Return on Equity (ROE)-0.5075%6,459
Retained earnings to average equity (ytd only)-0.5075%6,177
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.6738%652
Assets per employee ($millions)4.3584%3,151
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.9779%6,165
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,825
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets72.3177%1,497
Net loans and leases to deposits92.5219%916
Net loans and leases to core deposits112.6877%476
Total domestic deposits to total assets78.1627%6,042
Equity capital to assets15.8287%638
Core capital (leverage) ratio16.2086%453
Tier 1 risk-based capital ratio21.4871%1,424
Total risk-based capital ratio22.4636%1,444
Memoranda:
Average total assets$32,900,2506,766
Average earning assets$29,882,0006,752
Average equity$5,517,2506,211
Average total loans$22,013,7506,421
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8220%2,420
Cost of funding earning assets0.9234%2,236
Net interest margin3.8986%2,911
Noninterest income to average assets0.1427%6,483
Noninterest expense to average assets3.6657%1,436
Loan and lease loss provision to assets0.2047%3,024
Net operating income to assets-0.1923%6,536
Return on assets (ROA)-0.1923%6,610
Pretax return on assets-0.1923%6,586
Return on Equity (ROE)-1.1239%6,553
Retained earnings to average equity (ytd only)-1.1239%6,227
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio99.6627%574
Assets per employee ($millions)4.1828%3,490
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.9672%6,273
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets70.3813%1,856
Net loans and leases to deposits88.5776%1,307
Net loans and leases to core deposits102.5517%948
Total domestic deposits to total assets79.4573%5,870
Equity capital to assets16.4515%513
Core capital (leverage) ratio16.3640%428
Tier 1 risk-based capital ratio23.5400%1,070
Total risk-based capital ratio24.5298%1,082
Memoranda:
Average total assets$32,244,6706,837
Average earning assets$29,241,0006,823
Average equity$5,516,6706,237
Average total loans$20,863,6706,517
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6601%3,214
Cost of funding earning assets0.9656%2,190
Net interest margin3.6945%3,858
Noninterest income to average assets0.1391%6,548
Noninterest expense to average assets3.6667%1,433
Loan and lease loss provision to assets0.1897%3,060
Net operating income to assets-0.3793%6,756
Return on assets (ROA)-0.3793%6,796
Pretax return on assets-0.3793%6,771
Return on Equity (ROE)-2.1729%6,700
Retained earnings to average equity (ytd only)-2.1729%6,302
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio105.4545%423
Assets per employee ($millions)4.0864%3,828
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.0476%6,085
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,966
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets61.2554%3,402
Net loans and leases to deposits73.8113%3,138
Net loans and leases to core deposits85.1548%2,389
Total domestic deposits to total assets82.9892%4,931
Equity capital to assets16.8364%454
Core capital (leverage) ratio16.7324%386
Tier 1 risk-based capital ratio25.3887%867
Total risk-based capital ratio26.3727%876
Memoranda:
Average total assets$31,636,0006,911
Average earning assets$28,583,0006,892
Average equity$5,522,5006,266
Average total loans$19,405,0006,641
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7295%4,125
Cost of funding earning assets1.2840%1,559
Net interest margin3.4456%5,351
Noninterest income to average assets0.0732%6,742
Noninterest expense to average assets4.2635%745
Loan and lease loss provision to assets0.1574%4,665
Net operating income to assets-1.4309%6,889
Return on assets (ROA)-1.4309%6,910
Pretax return on assets-1.4309%6,880
Return on Equity (ROE)-6.8659%6,623
Retained earnings to average equity (ytd only)-6.8659%6,562
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio142.5949%162
Assets per employee ($millions)4.3687%3,123
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.0607%5,957
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,026
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets60.0896%3,974
Net loans and leases to deposits73.4981%3,578
Net loans and leases to core deposits86.9047%2,515
Total domestic deposits to total assets81.7566%5,208
Equity capital to assets18.1191%339
Core capital (leverage) ratio17.9539%299
Tier 1 risk-based capital ratio29.3725%547
Total risk-based capital ratio30.4246%547
Memoranda:
Average total assets$27,324,8007,045
Average earning assets$23,131,2007,074
Average equity$5,694,8006,234
Average total loans$15,766,4006,866
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7652%4,164
Cost of funding earning assets1.3503%1,450
Net interest margin3.4149%5,525
Noninterest income to average assets0.0855%6,811
Noninterest expense to average assets4.4408%608
Loan and lease loss provision to assets0.1710%4,328
Net operating income to assets-1.6898%7,086
Return on assets (ROA)-1.6898%7,095
Pretax return on assets-1.6898%7,061
Return on Equity (ROE)-7.8139%6,804
Retained earnings to average equity (ytd only)-7.8139%6,755
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio151.9793%132
Assets per employee ($millions)4.3316%3,211
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.0669%6,005
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,097
Noncurrent loans to loans0.0000%6,971
Net loans and leases to total assets57.4948%4,589
Net loans and leases to deposits70.7795%4,167
Net loans and leases to core deposits81.9836%3,332
Total domestic deposits to total assets81.2308%5,360
Equity capital to assets18.4789%347
Core capital (leverage) ratio18.7468%272
Tier 1 risk-based capital ratio30.5124%512
Total risk-based capital ratio31.5448%513
Memoranda:
Average total assets$26,510,7507,132
Average earning assets$22,020,2507,179
Average equity$5,733,2506,266
Average total loans$15,064,7506,969
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6649%4,684
Cost of funding earning assets1.3995%1,422
Net interest margin3.2654%5,953
Noninterest income to average assets0.0555%7,026
Noninterest expense to average assets4.6591%506
Loan and lease loss provision to assets0.1189%4,787
Net operating income to assets-2.0602%7,197
Return on assets (ROA)-2.0602%7,204
Pretax return on assets-2.0602%7,174
Return on Equity (ROE)-9.0017%6,902
Retained earnings to average equity (ytd only)-9.0017%6,825
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio162.6822%115
Assets per employee ($millions)3.5501%4,811
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.0200%6,250
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 assets57.7444%4,678
Net loans and leases to deposits72.3615%4,060
Net loans and leases to core deposits83.0086%3,363
Total domestic deposits to total assets79.8000%5,885
Equity capital to assets19.9711%261
Core capital (leverage) ratio19.8583%234
Tier 1 risk-based capital ratio32.3344%437
Total risk-based capital ratio33.3046%444
Memoranda:
Average total assets$25,240,6707,233
Average earning assets$20,579,3307,280
Average equity$5,776,6706,296
Average total loans$14,212,6707,077
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7141%4,459
Cost of funding earning assets1.5068%1,138
Net interest margin3.2073%6,048
Noninterest income to average assets0.0507%7,132
Noninterest expense to average assets4.9196%394
Loan and lease loss provision to assets0.1014%4,741
Net operating income to assets-2.4513%7,333
Return on assets (ROA)-2.4513%7,331
Pretax return on assets-2.4513%7,315
Return on Equity (ROE)-9.9502%7,029
Retained earnings to average equity (ytd only)-9.9502%6,869
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio181.5789%82
Assets per employee ($millions)3.1185%5,906
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.1505%5,847
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 assets55.1026%5,143
Net loans and leases to deposits71.8159%4,097
Net loans and leases to core deposits83.9614%3,165
Total domestic deposits to total assets76.7276%6,574
Equity capital to assets23.0920%141
Core capital (leverage) ratio23.0488%138
Tier 1 risk-based capital ratio37.7968%277
Total risk-based capital ratio38.8491%277
Memoranda:
Average total assets$23,660,5007,324
Average earning assets$18,582,5007,370
Average equity$5,829,0006,300
Average total loans$13,034,5007,183
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0559%4,297
Cost of funding earning assets1.5174%2,546
Net interest margin3.5385%5,085
Noninterest income to average assets0.0649%7,043
Noninterest expense to average assets5.5902%285
Loan and lease loss provision to assets0.4055%3,681
Net operating income to assets-2.9681%7,289
Return on assets (ROA)-2.9681%7,308
Pretax return on assets-2.9681%7,285
Return on Equity (ROE)-8.8671%6,671
Retained earnings to average equity (ytd only)-8.8671%6,586
Net charge-offs to loans0.0100%6,733
Credit loss provision to net charge-offs7,500.0000%18
Earnings coverage of net charge-offs (x)-474.0000%6,849
Efficiency ratio173.2143%134
Assets per employee ($millions)2.4859%7,028
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.2662%5,177
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 assets53.6718%5,680
Net loans and leases to deposits73.0591%4,349
Net loans and leases to core deposits82.7624%3,782
Total domestic deposits to total assets73.4635%6,953
Equity capital to assets26.3577%109
Core capital (leverage) ratio26.3412%109
Tier 1 risk-based capital ratio44.8607%174
Total risk-based capital ratio46.0332%172
Memoranda:
Average total assets$18,496,6007,501
Average earning assets$15,487,0007,512
Average equity$6,191,4006,310
Average total loans$9,997,6007,396
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8705%5,396
Cost of funding earning assets1.4361%3,360
Net interest margin3.4344%5,555
Noninterest income to average assets0.0761%7,158
Noninterest expense to average assets5.6063%258
Loan and lease loss provision to assets0.5021%2,948
Net operating income to assets-3.0124%7,453
Return on assets (ROA)-3.0124%7,463
Pretax return on assets-3.0124%7,421
Return on Equity (ROE)-8.4276%6,857
Retained earnings to average equity (ytd only)-8.4276%6,798
Net charge-offs to loans0.0141%6,476
Credit loss provision to net charge-offs6,600.0000%39
Earnings coverage of net charge-offs (x)-330.8195%6,670
Efficiency ratio169.2875%138
Assets per employee ($millions)2.7961%6,591
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.0594%6,120
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets69.1871%2,939
Net loans and leases to deposits100.9241%592
Net loans and leases to core deposits117.7975%691
Total domestic deposits to total assets68.5536%7,350
Equity capital to assets31.1041%80
Core capital (leverage) ratio30.9524%82
Tier 1 risk-based capital ratio50.2703%153
Total risk-based capital ratio51.4761%153
Memoranda:
Average total assets$17,527,5007,617
Average earning assets$15,412,2507,608
Average equity$6,265,0006,370
Average total loans$9,456,5007,513
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4361%6,827
Cost of funding earning assets1.3618%4,105
Net interest margin3.0742%6,668
Noninterest income to average assets0.0831%7,172
Noninterest expense to average assets5.8175%238
Loan and lease loss provision to assets0.3206%3,818
Net operating income to assets-3.3480%7,556
Return on assets (ROA)-3.3480%7,561
Pretax return on assets-3.3480%7,522
Return on Equity (ROE)-8.9184%6,926
Retained earnings to average equity (ytd only)-8.9184%6,861
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio194.8936%106
Assets per employee ($millions)2.4159%7,209
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.0586%6,149
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets51.7463%6,240
Net loans and leases to deposits76.4953%4,240
Net loans and leases to core deposits76.4953%5,139
Total domestic deposits to total assets67.6463%7,441
Equity capital to assets32.1002%72
Core capital (leverage) ratio31.9417%70
Tier 1 risk-based capital ratio66.3685%93
Total risk-based capital ratio67.5216%92
Memoranda:
Average total assets$16,845,6707,698
Average earning assets$14,833,0007,691
Average equity$6,324,0006,365
Average total loans$8,046,3307,627
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2304%7,226
Cost of funding earning assets1.2459%5,138
Net interest margin2.9844%6,864
Noninterest income to average assets0.1025%7,193
Noninterest expense to average assets6.3057%186
Loan and lease loss provision to assets0.2307%4,198
Net operating income to assets-3.7937%7,706
Return on assets (ROA)-3.7937%7,708
Pretax return on assets-3.7937%7,674
Return on Equity (ROE)-9.2732%7,108
Retained earnings to average equity (ytd only)-9.2732%6,917
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio214.9533%83
Assets per employee ($millions)2.1738%7,562
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.2628%5,140
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets40.0173%7,249
Net loans and leases to deposits62.9831%6,173
Net loans and leases to core deposits62.9831%6,527
Total domestic deposits to total assets63.5365%7,688
Equity capital to assets36.2565%62
Core capital (leverage) ratio36.2125%61
Tier 1 risk-based capital ratio90.6250%58
Total risk-based capital ratio91.8779%57
Memoranda:
Average total assets$15,605,0007,821
Average earning assets$13,805,0007,812
Average equity$6,384,0006,388
Average total loans$7,015,5007,758
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7216%7,103
Cost of funding earning assets1.0146%7,182
Net interest margin3.7070%4,105
Noninterest income to average assets0.1506%6,980
Noninterest expense to average assets8.6282%121
Loan and lease loss provision to assets0.4429%4,172
Net operating income to assets-5.6517%7,812
Return on assets (ROA)-5.6517%7,803
Pretax return on assets-5.6517%7,775
Return on Equity (ROE)-9.4270%6,576
Retained earnings to average equity (ytd only)-9.4270%6,469
Net charge-offs to loans0.0363%6,763
Credit loss provision to net charge-offs2,500.0000%129
Earnings coverage of net charge-offs (x)-294.0000%7,236
Efficiency ratio236.2694%94
Assets per employee ($millions)1.7275%7,846
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.1456%5,661
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets49.9493%6,648
Net loans and leases to deposits94.3033%1,558
Net loans and leases to core deposits200.0290%102
Total domestic deposits to total assets52.9667%7,890
Equity capital to assets46.7656%54
Core capital (leverage) ratio46.6845%52
Tier 1 risk-based capital ratio86.5163%68
Total risk-based capital ratio87.5907%67
Memoranda:
Average total assets$11,288,6007,955
Average earning assets$9,954,2007,943
Average equity$6,767,8006,347
Average total loans$5,509,4007,879
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8138%7,093
Cost of funding earning assets0.8946%7,569
Net interest margin3.9192%3,162
Noninterest income to average assets0.1877%6,876
Noninterest expense to average assets9.2467%113
Loan and lease loss provision to assets0.5506%3,185
Net operating income to assets-6.1561%7,931
Return on assets (ROA)-6.1561%7,929
Pretax return on assets-6.1561%7,918
Return on Equity (ROE)-9.5847%6,865
Retained earnings to average equity (ytd only)-9.5847%6,767
Net charge-offs to loans0.0519%6,190
Credit loss provision to net charge-offs2,200.0000%177
Earnings coverage of net charge-offs (x)-223.7154%6,981
Efficiency ratio239.5189%95
Assets per employee ($millions)1.6721%7,944
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.1388%5,482
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets48.0227%6,954
Net loans and leases to deposits95.8377%1,599
Net loans and leases to core deposits195.4366%116
Total domestic deposits to total assets50.1084%7,977
Equity capital to assets49.4281%53
Core capital (leverage) ratio49.3334%56
Tier 1 risk-based capital ratio87.9674%70
Total risk-based capital ratio88.9557%70
Memoranda:
Average total assets$10,655,7508,046
Average earning assets$9,389,5008,034
Average equity$6,844,0006,377
Average total loans$5,141,0007,963
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6635%7,438
Cost of funding earning assets0.7175%7,905
Net interest margin3.9460%2,905
Noninterest income to average assets0.2052%6,823
Noninterest expense to average assets9.9501%114
Loan and lease loss provision to assets0.6770%2,401
Net operating income to assets-6.8112%8,040
Return on assets (ROA)-6.8112%8,034
Pretax return on assets-6.8112%8,013
Return on Equity (ROE)-9.5935%7,003
Retained earnings to average equity (ytd only)-9.5935%6,833
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio245.6989%120
Assets per employee ($millions)1.3678%8,092
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.0571%5,857
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets55.6023%6,254
Net loans and leases to deposits146.8856%63
Net loans and leases to core deposits280.1105%44
Total domestic deposits to total assets37.8541%8,106
Equity capital to assets61.8351%45
Core capital (leverage) ratio61.7687%46
Tier 1 risk-based capital ratio91.7335%73
Total risk-based capital ratio92.6173%73
Memoranda:
Average total assets$9,748,6708,148
Average earning assets$8,920,3308,130
Average equity$6,921,3306,396
Average total loans$4,688,6708,067
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0056%6,915
Cost of funding earning assets0.6611%8,013
Net interest margin4.3445%1,478
Noninterest income to average assets0.0437%7,864
Noninterest expense to average assets10.8392%99
Loan and lease loss provision to assets0.6119%2,058
Net operating income to assets-7.3864%8,133
Return on assets (ROA)-7.3864%8,122
Pretax return on assets-7.3864%8,091
Return on Equity (ROE)-9.6585%7,341
Retained earnings to average equity (ytd only)-9.6585%7,078
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio251.6129%123
Assets per employee ($millions)1.2053%8,156
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0270%5,973
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets45.9759%7,193
Net loans and leases to deposits164.3069%47
Net loans and leases to core deposits278.4548%43
Total domestic deposits to total assets27.9817%8,179
Equity capital to assets71.7486%37
Core capital (leverage) ratio71.2294%39
Tier 1 risk-based capital ratio128.8498%57
Total risk-based capital ratio129.7287%57
Memoranda:
Average total assets$9,152,0008,206
Average earning assets$8,470,5008,187
Average equity$6,999,0006,410
Average total loans$3,958,5008,140
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.5099%8,284
Cost of funding earning assets0.0486%8,273
Net interest margin0.4613%8,268
Noninterest income to average assets0.0000%8,110
Noninterest expense to average assets4.9180%653
Loan and lease loss provision to assets0.3694%3,466
Net operating income to assets-4.8488%8,077
Return on assets (ROA)-4.8488%8,064
Pretax return on assets-4.8488%8,005
Return on Equity (ROE)-5.9322%6,957
Retained earnings to average equity (ytd only)-5.9322%6,656
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio1,110.5263%14
Assets per employee ($millions)1.0828%8,228
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.9308%6,502
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets39.3212%7,703
Net loans and leases to deposits215.5696%34
Net loans and leases to core deposits347.5510%33
Total domestic deposits to total assets18.2406%8,241
Equity capital to assets81.7363%30
Core capital (leverage) ratio81.3773%29
Tier 1 risk-based capital ratio146.0287%54
Total risk-based capital ratio146.7047%55
Memoranda:
Average total assets$8,662,0008,269
Average earning assets$8,237,0008,244
Average equity$7,080,0006,432
Average total loans$3,438,0008,211