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One World Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7712%100
Cost of funding earning assets0.6650%386
Net interest margin5.1061%121
Noninterest income to average assets1.4780%513
Noninterest expense to average assets3.7315%377
Loan and lease loss provision to assets0.0547%1,959
Net operating income to assets2.1041%287
Return on assets (ROA)2.1041%302
Pretax return on assets2.5377%243
Return on Equity (ROE)16.0355%757
Retained earnings to average equity (ytd only)16.0355%172
Net charge-offs to loans-0.0200%3,977
Credit loss provision to net charge-offs-340.9091%3,650
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.0066%3,297
Assets per employee ($millions)4.4771%4,131
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.8296%819
Loan loss allowance to noncurrent loans1,644.1441%614
Noncurrent assets plus other real estate owned to assets0.0800%3,385
Noncurrent loans to loans0.1113%3,373
Net loans and leases to total assets70.5543%980
Net loans and leases to deposits90.6535%541
Net loans and leases to core deposits109.2062%300
Total domestic deposits to total assets77.8285%4,411
Equity capital to assets14.5384%570
Core capital (leverage) ratio14.2848%575
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$137,210,2003,607
Average earning assets$130,215,8003,570
Average equity$18,003,8003,384
Average total loans$110,064,0003,079
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8455%103
Cost of funding earning assets0.6840%418
Net interest margin5.1615%129
Noninterest income to average assets0.9112%1,233
Noninterest expense to average assets3.6340%395
Loan and lease loss provision to assets0.0731%1,581
Net operating income to assets1.7922%675
Return on assets (ROA)1.7922%707
Pretax return on assets2.1167%659
Return on Equity (ROE)14.0430%1,376
Retained earnings to average equity (ytd only)14.0430%509
Net charge-offs to loans0.1527%543
Credit loss provision to net charge-offs58.1395%1,816
Earnings coverage of net charge-offs (x)17.4186%1,815
Efficiency ratio62.3996%2,632
Assets per employee ($millions)5.1401%3,560
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.5303%1,522
Loan loss allowance to noncurrent loans1,442.2414%600
Noncurrent assets plus other real estate owned to assets0.0836%3,539
Noncurrent loans to loans0.1061%3,563
Net loans and leases to total assets77.5680%427
Net loans and leases to deposits96.8947%316
Net loans and leases to core deposits115.6504%233
Total domestic deposits to total assets80.0539%4,224
Equity capital to assets13.7948%784
Core capital (leverage) ratio13.5765%719
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$136,815,0003,653
Average earning assets$130,217,5003,613
Average equity$17,460,2503,474
Average total loans$112,643,0003,076
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8428%444
Cost of funding earning assets0.7105%442
Net interest margin4.1323%656
Noninterest income to average assets1.0253%1,031
Noninterest expense to average assets3.5635%431
Loan and lease loss provision to assets0.0808%1,506
Net operating income to assets1.2353%2,063
Return on assets (ROA)1.2353%2,131
Pretax return on assets1.3190%2,583
Return on Equity (ROE)9.9534%2,757
Retained earnings to average equity (ytd only)9.9534%1,407
Net charge-offs to loans0.2286%378
Credit loss provision to net charge-offs42.3077%1,649
Earnings coverage of net charge-offs (x)7.3308%1,921
Efficiency ratio71.7964%1,455
Assets per employee ($millions)5.2821%3,372
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.3713%2,102
Loan loss allowance to noncurrent loans1,365.2893%578
Noncurrent assets plus other real estate owned to assets0.0848%3,634
Noncurrent loans to loans0.1004%3,681
Net loans and leases to total assets83.3104%161
Net loans and leases to deposits105.6293%164
Net loans and leases to core deposits127.6225%148
Total domestic deposits to total assets78.8705%4,358
Equity capital to assets12.7251%1,040
Core capital (leverage) ratio12.0580%1,068
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$136,158,6673,674
Average earning assets$129,758,6673,633
Average equity$16,898,6673,526
Average total loans$113,749,0003,072
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7997%2,100
Cost of funding earning assets0.7320%484
Net interest margin3.0676%3,084
Noninterest income to average assets1.9860%378
Noninterest expense to average assets3.6019%409
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.2969%1,837
Return on assets (ROA)1.2969%1,912
Pretax return on assets1.2969%2,582
Return on Equity (ROE)10.5936%2,499
Retained earnings to average equity (ytd only)10.5936%1,493
Net charge-offs to loans0.5834%138
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)2.6770%1,800
Efficiency ratio73.5258%1,350
Assets per employee ($millions)6.0510%2,553
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.3241%2,325
Loan loss allowance to noncurrent loans1,233.0709%553
Noncurrent assets plus other real estate owned to assets0.0913%3,738
Noncurrent loans to loans0.1074%3,771
Net loans and leases to total assets83.8524%154
Net loans and leases to deposits109.4491%138
Net loans and leases to core deposits134.7144%113
Total domestic deposits to total assets76.6131%4,551
Equity capital to assets11.8465%1,362
Core capital (leverage) ratio12.1181%1,119
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$132,930,0003,708
Average earning assets$126,221,0003,669
Average equity$16,274,0003,582
Average total loans$110,390,5003,126
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0298%2,639
Cost of funding earning assets1.0907%413
Net interest margin2.9392%4,041
Noninterest income to average assets1.9625%340
Noninterest expense to average assets3.8234%448
Loan and lease loss provision to assets0.0832%3,338
Net operating income to assets0.8414%2,936
Return on assets (ROA)0.8414%3,065
Pretax return on assets0.8414%3,524
Return on Equity (ROE)6.5909%3,371
Retained earnings to average equity (ytd only)6.5909%1,550
Net charge-offs to loans0.2733%627
Credit loss provision to net charge-offs40.0000%3,188
Earnings coverage of net charge-offs (x)4.4440%2,981
Efficiency ratio80.5259%850
Assets per employee ($millions)5.0675%3,318
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.6846%1,074
Loan loss allowance to noncurrent loans474.4505%1,190
Noncurrent assets plus other real estate owned to assets0.2873%2,854
Noncurrent loans to loans0.3551%2,928
Net loans and leases to total assets79.5569%456
Net loans and leases to deposits99.3484%402
Net loans and leases to core deposits125.0298%254
Total domestic deposits to total assets80.0786%4,029
Equity capital to assets12.6776%1,243
Core capital (leverage) ratio11.7040%1,366
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$120,155,8003,745
Average earning assets$113,876,0003,713
Average equity$15,339,4003,627
Average total loans$91,473,8003,381
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0564%2,801
Cost of funding earning assets1.1287%476
Net interest margin2.9277%4,131
Noninterest income to average assets1.2880%656
Noninterest expense to average assets3.6718%560
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets0.3971%4,269
Return on assets (ROA)0.3971%4,337
Pretax return on assets0.3971%4,433
Return on Equity (ROE)3.1048%4,370
Retained earnings to average equity (ytd only)3.1048%3,476
Net charge-offs to loans-0.0496%4,670
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.2405%359
Assets per employee ($millions)5.1479%3,068
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.6634%958
Loan loss allowance to noncurrent loans411.6379%1,239
Noncurrent assets plus other real estate owned to assets0.3467%2,751
Noncurrent loans to loans0.4041%2,847
Net loans and leases to total assets84.3625%247
Net loans and leases to deposits108.4105%258
Net loans and leases to core deposits130.0849%252
Total domestic deposits to total assets77.8176%4,227
Equity capital to assets11.5126%1,996
Core capital (leverage) ratio11.5657%1,542
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$118,522,7503,761
Average earning assets$112,575,2503,720
Average equity$15,159,0003,641
Average total loans$88,713,2503,441
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9194%3,564
Cost of funding earning assets1.1563%600
Net interest margin2.7631%4,495
Noninterest income to average assets0.9734%1,030
Noninterest expense to average assets3.5533%695
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.0370%4,741
Return on assets (ROA)0.0370%4,770
Pretax return on assets0.0370%4,766
Return on Equity (ROE)0.2786%4,769
Retained earnings to average equity (ytd only)0.2786%4,251
Net charge-offs to loans-0.0775%4,797
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.9686%194
Assets per employee ($millions)5.4817%2,656
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.8360%603
Loan loss allowance to noncurrent loans342.3698%1,405
Noncurrent assets plus other real estate owned to assets0.4418%2,549
Noncurrent loans to loans0.5363%2,560
Net loans and leases to total assets80.8677%512
Net loans and leases to deposits100.1690%538
Net loans and leases to core deposits120.6803%408
Total domestic deposits to total assets80.7313%3,675
Equity capital to assets11.9607%1,687
Core capital (leverage) ratio12.4128%1,208
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$113,415,3333,808
Average earning assets$107,415,6673,781
Average equity$15,075,6673,650
Average total loans$80,009,3333,572
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4282%2,511
Cost of funding earning assets1.3194%536
Net interest margin3.1088%4,077
Noninterest income to average assets1.0384%789
Noninterest expense to average assets3.7429%670
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.2353%4,471
Return on assets (ROA)0.2353%4,493
Pretax return on assets0.2353%4,532
Return on Equity (ROE)1.6718%4,515
Retained earnings to average equity (ytd only)1.6718%3,558
Net charge-offs to loans-0.1704%4,924
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.0845%375
Assets per employee ($millions)4.6748%3,024
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans2.7667%182
Loan loss allowance to noncurrent loans338.3659%1,375
Noncurrent assets plus other real estate owned to assets0.5236%2,422
Noncurrent loans to loans0.8177%1,969
Net loans and leases to total assets62.2669%3,273
Net loans and leases to deposits73.8245%3,288
Net loans and leases to core deposits93.0999%2,057
Total domestic deposits to total assets84.3445%2,650
Equity capital to assets14.0828%1,031
Core capital (leverage) ratio13.6887%994
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$107,083,0003,884
Average earning assets$101,259,5003,862
Average equity$15,073,5003,653
Average total loans$68,081,5003,800
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1558%1,095
Cost of funding earning assets1.4525%459
Net interest margin3.7033%2,807
Noninterest income to average assets1.5298%399
Noninterest expense to average assets3.8570%622
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.1697%2,178
Return on assets (ROA)1.1697%2,277
Pretax return on assets1.1697%2,948
Return on Equity (ROE)8.8765%2,807
Retained earnings to average equity (ytd only)8.8765%741
Net charge-offs to loans-0.1329%4,994
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6205%1,537
Assets per employee ($millions)4.8475%2,780
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans2.7872%153
Loan loss allowance to noncurrent loans220.7059%1,946
Noncurrent assets plus other real estate owned to assets0.7970%1,626
Noncurrent loans to loans1.2629%1,192
Net loans and leases to total assets61.3550%3,467
Net loans and leases to deposits72.7475%3,456
Net loans and leases to core deposits91.4391%2,285
Total domestic deposits to total assets84.3396%2,737
Equity capital to assets14.0700%1,076
Core capital (leverage) ratio13.4545%1,067
Tier 1 risk-based capital ratio19.9625%1,335
Total risk-based capital ratio21.2298%1,303
Memoranda:
Average total assets$107,466,4003,873
Average earning assets$101,478,4003,844
Average equity$14,161,0003,729
Average total loans$67,741,8003,819
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3737%741
Cost of funding earning assets1.4817%432
Net interest margin3.8921%2,285
Noninterest income to average assets1.3832%478
Noninterest expense to average assets4.2375%396
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.8148%3,626
Return on assets (ROA)0.8148%3,709
Pretax return on assets0.8148%4,089
Return on Equity (ROE)6.2890%3,958
Retained earnings to average equity (ytd only)6.2890%2,230
Net charge-offs to loans-0.1356%5,051
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.5735%718
Assets per employee ($millions)5.0650%2,480
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans2.7223%170
Loan loss allowance to noncurrent loans230.4348%1,878
Noncurrent assets plus other real estate owned to assets0.6910%1,968
Noncurrent loans to loans1.1814%1,331
Net loans and leases to total assets56.8999%3,973
Net loans and leases to deposits66.1289%4,056
Net loans and leases to core deposits83.3449%3,147
Total domestic deposits to total assets86.0439%1,982
Equity capital to assets12.3663%1,998
Core capital (leverage) ratio11.9917%1,858
Tier 1 risk-based capital ratio17.6307%1,914
Total risk-based capital ratio18.8942%1,873
Memoranda:
Average total assets$107,671,7503,904
Average earning assets$101,503,5003,887
Average equity$13,950,0003,790
Average total loans$67,850,2503,861
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9069%1,730
Cost of funding earning assets1.4212%490
Net interest margin3.4857%3,642
Noninterest income to average assets1.3960%445
Noninterest expense to average assets3.9874%547
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.6779%4,076
Return on assets (ROA)0.6779%4,129
Pretax return on assets0.6779%4,383
Return on Equity (ROE)5.1457%4,313
Retained earnings to average equity (ytd only)5.1457%2,699
Net charge-offs to loans-0.1358%5,062
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.4863%620
Assets per employee ($millions)4.6619%2,923
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans2.7792%158
Loan loss allowance to noncurrent loans216.2928%2,032
Noncurrent assets plus other real estate owned to assets0.7570%1,839
Noncurrent loans to loans1.2849%1,229
Net loans and leases to total assets57.2793%3,981
Net loans and leases to deposits66.7149%4,044
Net loans and leases to core deposits85.4733%2,999
Total domestic deposits to total assets85.8569%2,110
Equity capital to assets12.5879%1,805
Core capital (leverage) ratio12.5693%1,499
Tier 1 risk-based capital ratio19.0578%1,540
Total risk-based capital ratio20.3251%1,497
Memoranda:
Average total assets$104,731,0003,988
Average earning assets$98,229,3303,965
Average equity$13,798,0003,817
Average total loans$67,753,6703,888
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0488%1,217
Cost of funding earning assets1.3750%503
Net interest margin3.6738%2,992
Noninterest income to average assets0.9214%991
Noninterest expense to average assets4.1995%403
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.1661%5,038
Return on assets (ROA)0.1661%5,045
Pretax return on assets0.1661%5,061
Return on Equity (ROE)1.2303%5,053
Retained earnings to average equity (ytd only)1.2303%4,268
Net charge-offs to loans-0.1340%5,099
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.1123%272
Assets per employee ($millions)4.1028%3,773
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans2.7012%191
Loan loss allowance to noncurrent loans198.3553%2,199
Noncurrent assets plus other real estate owned to assets0.8891%1,585
Noncurrent loans to loans1.3618%1,190
Net loans and leases to total assets63.5277%3,344
Net loans and leases to deposits74.6737%3,386
Net loans and leases to core deposits94.7852%2,050
Total domestic deposits to total assets85.0738%2,656
Equity capital to assets13.3478%1,272
Core capital (leverage) ratio13.1111%1,217
Tier 1 risk-based capital ratio18.2112%1,738
Total risk-based capital ratio19.4782%1,687
Memoranda:
Average total assets$101,154,0004,090
Average earning assets$94,833,5004,058
Average equity$13,655,0003,849
Average total loans$68,671,0003,898
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9057%1,270
Cost of funding earning assets0.9621%875
Net interest margin3.9436%2,183
Noninterest income to average assets1.8749%295
Noninterest expense to average assets4.3228%358
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.2156%2,102
Return on assets (ROA)1.2201%2,080
Pretax return on assets1.2201%2,814
Return on Equity (ROE)8.9056%3,040
Retained earnings to average equity (ytd only)8.9056%899
Net charge-offs to loans-0.1350%5,208
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1720%1,216
Assets per employee ($millions)4.5335%3,115
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans2.5379%223
Loan loss allowance to noncurrent loans191.8367%2,315
Noncurrent assets plus other real estate owned to assets0.9335%1,475
Noncurrent loans to loans1.3230%1,187
Net loans and leases to total assets68.7669%2,769
Net loans and leases to deposits81.3729%2,804
Net loans and leases to core deposits99.3323%1,772
Total domestic deposits to total assets84.5083%2,828
Equity capital to assets13.6549%1,089
Core capital (leverage) ratio13.6224%1,036
Tier 1 risk-based capital ratio17.0247%2,059
Total risk-based capital ratio18.2872%1,994
Memoranda:
Average total assets$90,404,6004,263
Average earning assets$83,984,6004,248
Average equity$12,385,4003,977
Average total loans$62,983,2004,027
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8312%1,344
Cost of funding earning assets0.8525%1,110
Net interest margin3.9787%2,018
Noninterest income to average assets2.0740%260
Noninterest expense to average assets4.2283%385
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.5411%1,090
Return on assets (ROA)1.5487%1,070
Pretax return on assets1.5487%1,735
Return on Equity (ROE)11.2939%2,056
Retained earnings to average equity (ytd only)11.2939%591
Net charge-offs to loans-0.0262%4,703
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.6843%1,780
Assets per employee ($millions)3.7900%4,187
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans2.4915%244
Loan loss allowance to noncurrent loans175.5123%2,464
Noncurrent assets plus other real estate owned to assets1.3918%959
Noncurrent loans to loans1.4195%1,169
Net loans and leases to total assets73.7041%2,037
Net loans and leases to deposits102.9989%602
Net loans and leases to core deposits129.3897%346
Total domestic deposits to total assets71.5581%5,158
Equity capital to assets14.8459%753
Core capital (leverage) ratio15.3494%623
Tier 1 risk-based capital ratio17.3636%1,978
Total risk-based capital ratio18.6249%1,925
Memoranda:
Average total assets$88,071,5004,350
Average earning assets$81,799,5004,333
Average equity$12,077,0004,047
Average total loans$61,136,0004,107
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9095%999
Cost of funding earning assets0.8416%958
Net interest margin4.0679%1,645
Noninterest income to average assets1.2329%635
Noninterest expense to average assets4.0823%484
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.9574%3,203
Return on assets (ROA)0.9574%3,209
Pretax return on assets0.9574%3,781
Return on Equity (ROE)7.1888%3,837
Retained earnings to average equity (ytd only)7.1888%1,985
Net charge-offs to loans-0.1126%5,203
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.0023%917
Assets per employee ($millions)4.1259%3,686
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans2.8417%171
Loan loss allowance to noncurrent loans163.2768%2,608
Noncurrent assets plus other real estate owned to assets1.2257%1,174
Noncurrent loans to loans1.7404%911
Net loans and leases to total assets68.4256%2,806
Net loans and leases to deposits85.9491%2,317
Net loans and leases to core deposits104.9068%1,319
Total domestic deposits to total assets79.6117%4,330
Equity capital to assets14.8933%707
Core capital (leverage) ratio14.9791%676
Tier 1 risk-based capital ratio18.3901%1,700
Total risk-based capital ratio19.6567%1,659
Memoranda:
Average total assets$87,108,3304,395
Average earning assets$81,515,6704,376
Average equity$11,601,3304,134
Average total loans$58,596,3304,197
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2780%2,605
Cost of funding earning assets0.8566%743
Net interest margin3.4214%3,814
Noninterest income to average assets0.9251%1,085
Noninterest expense to average assets3.8699%612
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.2565%5,164
Return on assets (ROA)0.2565%5,166
Pretax return on assets0.2565%5,206
Return on Equity (ROE)2.0457%5,174
Retained earnings to average equity (ytd only)2.0457%4,338
Net charge-offs to loans-0.0627%5,064
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.7847%306
Assets per employee ($millions)4.0911%3,817
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans2.9757%160
Loan loss allowance to noncurrent loans103.3233%3,405
Noncurrent assets plus other real estate owned to assets1.9264%610
Noncurrent loans to loans2.8800%428
Net loans and leases to total assets64.8970%3,190
Net loans and leases to deposits76.2774%3,180
Net loans and leases to core deposits96.7448%1,920
Total domestic deposits to total assets85.0803%2,903
Equity capital to assets12.7303%1,374
Core capital (leverage) ratio12.4237%1,424
Tier 1 risk-based capital ratio16.8193%2,173
Total risk-based capital ratio18.0854%2,114
Memoranda:
Average total assets$87,341,0004,443
Average earning assets$81,721,0004,410
Average equity$10,950,0004,276
Average total loans$57,384,5004,269
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9354%3,621
Cost of funding earning assets0.8298%530
Net interest margin3.1056%4,682
Noninterest income to average assets1.5316%451
Noninterest expense to average assets3.6962%796
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.7227%3,506
Return on assets (ROA)0.7227%3,547
Pretax return on assets0.7419%4,408
Return on Equity (ROE)5.6802%3,878
Retained earnings to average equity (ytd only)5.6802%1,720
Net charge-offs to loans-0.0038%4,597
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.0167%926
Assets per employee ($millions)4.9316%2,564
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans2.9684%147
Loan loss allowance to noncurrent loans100.2948%3,520
Noncurrent assets plus other real estate owned to assets1.9106%616
Noncurrent loans to loans2.9597%381
Net loans and leases to total assets62.6379%3,540
Net loans and leases to deposits71.8543%3,716
Net loans and leases to core deposits90.6694%2,493
Total domestic deposits to total assets87.1735%1,910
Equity capital to assets12.3500%1,609
Core capital (leverage) ratio12.1821%1,506
Tier 1 risk-based capital ratio16.7419%2,177
Total risk-based capital ratio18.0105%2,120
Memoranda:
Average total assets$83,571,6004,520
Average earning assets$78,212,6004,492
Average equity$10,633,4004,360
Average total loans$52,778,4004,390
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8770%3,747
Cost of funding earning assets0.8096%544
Net interest margin3.0673%4,782
Noninterest income to average assets1.4504%510
Noninterest expense to average assets3.6544%810
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.6693%4,123
Return on assets (ROA)0.6693%4,183
Pretax return on assets0.6693%4,682
Return on Equity (ROE)5.2189%4,436
Retained earnings to average equity (ytd only)5.2189%2,728
Net charge-offs to loans0.0103%3,361
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)103.3114%674
Efficiency ratio84.0330%750
Assets per employee ($millions)4.2577%3,550
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans3.0425%148
Loan loss allowance to noncurrent loans98.3169%3,550
Noncurrent assets plus other real estate owned to assets2.0234%635
Noncurrent loans to loans3.0946%397
Net loans and leases to total assets63.3953%3,506
Net loans and leases to deposits73.0369%3,661
Net loans and leases to core deposits94.7386%2,201
Total domestic deposits to total assets86.7991%1,958
Equity capital to assets12.7148%1,536
Core capital (leverage) ratio12.2209%1,555
Tier 1 risk-based capital ratio17.3994%2,038
Total risk-based capital ratio18.6702%1,983
Memoranda:
Average total assets$82,272,2504,595
Average earning assets$77,069,0004,563
Average equity$10,551,0004,411
Average total loans$51,647,0004,451
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7089%4,200
Cost of funding earning assets0.7586%659
Net interest margin2.9504%5,004
Noninterest income to average assets1.2618%651
Noninterest expense to average assets3.6477%821
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.3788%5,023
Return on assets (ROA)0.3788%5,050
Pretax return on assets0.3788%5,210
Return on Equity (ROE)2.9448%5,140
Retained earnings to average equity (ytd only)2.9448%3,966
Net charge-offs to loans0.0477%2,261
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)12.8333%2,167
Efficiency ratio90.5925%424
Assets per employee ($millions)4.1390%3,727
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans3.2240%130
Loan loss allowance to noncurrent loans90.7477%3,734
Noncurrent assets plus other real estate owned to assets2.1387%569
Noncurrent loans to loans3.5527%317
Net loans and leases to total assets58.2593%4,000
Net loans and leases to deposits66.6741%4,173
Net loans and leases to core deposits84.6268%2,999
Total domestic deposits to total assets87.3792%1,773
Equity capital to assets12.1537%1,826
Core capital (leverage) ratio12.1803%1,544
Tier 1 risk-based capital ratio17.4853%2,014
Total risk-based capital ratio18.7537%1,963
Memoranda:
Average total assets$81,312,0004,642
Average earning assets$76,194,3304,609
Average equity$10,459,0004,442
Average total loans$50,303,6704,518
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6513%4,278
Cost of funding earning assets0.6584%1,034
Net interest margin2.9929%4,902
Noninterest income to average assets1.6049%428
Noninterest expense to average assets3.8518%641
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.5554%4,350
Return on assets (ROA)0.5554%4,397
Pretax return on assets0.5554%4,828
Return on Equity (ROE)4.1897%4,715
Retained earnings to average equity (ytd only)4.1897%3,364
Net charge-offs to loans0.1217%1,194
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)7.2667%2,152
Efficiency ratio87.3988%703
Assets per employee ($millions)3.9875%4,033
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans3.3967%124
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets60.0196%3,785
Net loans and leases to deposits69.4430%3,860
Net loans and leases to core deposits80.9761%3,199
Total domestic deposits to total assets86.4299%2,477
Equity capital to assets13.1274%1,211
Core capital (leverage) ratio13.2756%1,047
Tier 1 risk-based capital ratio19.0933%1,593
Total risk-based capital ratio20.3645%1,550
Memoranda:
Average total assets$78,508,0004,743
Average earning assets$73,507,5004,714
Average equity$10,406,5004,478
Average total loans$49,292,5004,582
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9008%3,569
Cost of funding earning assets0.5180%1,953
Net interest margin3.3828%3,878
Noninterest income to average assets1.0140%1,105
Noninterest expense to average assets3.9660%633
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.1939%5,430
Return on assets (ROA)0.3495%5,169
Pretax return on assets0.3495%5,299
Return on Equity (ROE)2.7582%5,225
Retained earnings to average equity (ytd only)2.7582%3,938
Net charge-offs to loans-0.0570%5,430
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.3385%335
Assets per employee ($millions)3.6794%4,510
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans3.4647%114
Loan loss allowance to noncurrent loans86.3752%3,889
Noncurrent assets plus other real estate owned to assets2.5457%467
Noncurrent loans to loans4.0113%259
Net loans and leases to total assets61.2655%3,692
Net loans and leases to deposits71.2182%3,786
Net loans and leases to core deposits76.4564%3,712
Total domestic deposits to total assets86.0251%2,570
Equity capital to assets13.3873%1,097
Core capital (leverage) ratio12.2666%1,444
Tier 1 risk-based capital ratio18.9503%1,612
Total risk-based capital ratio20.2226%1,570
Memoranda:
Average total assets$80,963,6004,716
Average earning assets$75,292,6004,696
Average equity$10,260,2004,525
Average total loans$50,913,6004,553
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8213%3,869
Cost of funding earning assets0.4825%2,235
Net interest margin3.3388%4,065
Noninterest income to average assets0.7425%1,995
Noninterest expense to average assets3.8833%688
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets-0.0423%5,741
Return on assets (ROA)0.1628%5,589
Pretax return on assets0.1628%5,607
Return on Equity (ROE)1.3021%5,602
Retained earnings to average equity (ytd only)1.3021%4,994
Net charge-offs to loans-0.0727%5,481
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio101.1022%209
Assets per employee ($millions)4.4068%3,236
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans3.0933%170
Loan loss allowance to noncurrent loans83.0724%3,986
Noncurrent assets plus other real estate owned to assets2.4412%569
Noncurrent loans to loans3.7237%325
Net loans and leases to total assets63.5312%3,458
Net loans and leases to deposits78.2898%3,156
Net loans and leases to core deposits80.7707%3,373
Total domestic deposits to total assets81.1487%4,210
Equity capital to assets12.3267%1,878
Core capital (leverage) ratio12.0475%1,644
Tier 1 risk-based capital ratio16.8656%2,272
Total risk-based capital ratio18.1338%2,220
Memoranda:
Average total assets$81,887,7504,735
Average earning assets$75,993,5004,715
Average equity$10,239,2504,575
Average total loans$51,382,7504,576
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7642%4,073
Cost of funding earning assets0.4659%2,419
Net interest margin3.2983%4,243
Noninterest income to average assets0.7604%1,887
Noninterest expense to average assets3.9324%653
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets-0.1058%5,815
Return on assets (ROA)-0.1058%5,832
Pretax return on assets-0.1058%5,831
Return on Equity (ROE)-0.8421%5,832
Retained earnings to average equity (ytd only)-0.8421%5,420
Net charge-offs to loans-0.0996%5,613
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio102.7653%206
Assets per employee ($millions)3.9694%3,971
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans3.1653%165
Loan loss allowance to noncurrent loans81.5688%4,088
Noncurrent assets plus other real estate owned to assets2.4929%558
Noncurrent loans to loans3.8806%317
Net loans and leases to total assets62.2064%3,600
Net loans and leases to deposits82.7942%2,618
Net loans and leases to core deposits84.2470%3,060
Total domestic deposits to total assets75.1338%5,395
Equity capital to assets12.2904%1,911
Core capital (leverage) ratio12.1651%1,526
Tier 1 risk-based capital ratio16.2640%2,522
Total risk-based capital ratio17.5318%2,458
Memoranda:
Average total assets$81,274,0004,789
Average earning assets$75,553,0004,769
Average equity$10,212,0004,610
Average total loans$50,213,0004,638
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7276%4,222
Cost of funding earning assets0.4753%2,327
Net interest margin3.2523%4,390
Noninterest income to average assets0.8575%1,424
Noninterest expense to average assets3.8887%695
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.0050%5,779
Return on assets (ROA)0.0050%5,807
Pretax return on assets0.0050%5,806
Return on Equity (ROE)0.0392%5,808
Retained earnings to average equity (ytd only)0.0392%5,096
Net charge-offs to loans-0.1318%5,735
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio99.8720%293
Assets per employee ($millions)3.8884%4,143
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans3.4740%142
Loan loss allowance to noncurrent loans81.3314%4,058
Noncurrent assets plus other real estate owned to assets2.5387%576
Noncurrent loans to loans4.2714%267
Net loans and leases to total assets57.3692%4,108
Net loans and leases to deposits74.2315%3,409
Net loans and leases to core deposits75.1629%3,766
Total domestic deposits to total assets77.2842%5,250
Equity capital to assets12.5562%1,649
Core capital (leverage) ratio12.4983%1,340
Tier 1 risk-based capital ratio19.2553%1,672
Total risk-based capital ratio20.5287%1,632
Memoranda:
Average total assets$80,232,0004,852
Average earning assets$74,901,0004,825
Average equity$10,195,5004,632
Average total loans$48,545,0004,720
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5383%4,825
Cost of funding earning assets0.4767%2,379
Net interest margin3.0616%5,001
Noninterest income to average assets0.9515%1,317
Noninterest expense to average assets4.2530%513
Loan and lease loss provision to assets-0.5619%6,133
Net operating income to assets0.1311%5,714
Return on assets (ROA)0.1311%5,763
Pretax return on assets0.1311%5,772
Return on Equity (ROE)1.0574%5,759
Retained earnings to average equity (ytd only)1.0574%5,093
Net charge-offs to loans-0.4128%6,062
Credit loss provision to net charge-offs243.2432%1,175
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio111.2708%132
Assets per employee ($millions)3.5821%4,673
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans3.4392%137
Loan loss allowance to noncurrent loans40.4163%5,094
Noncurrent assets plus other real estate owned to assets5.2432%159
Noncurrent loans to loans8.5094%66
Net loans and leases to total assets59.4973%3,902
Net loans and leases to deposits74.4952%3,438
Net loans and leases to core deposits76.7385%3,690
Total domestic deposits to total assets79.8673%4,774
Equity capital to assets12.8643%1,424
Core capital (leverage) ratio12.5117%1,346
Tier 1 risk-based capital ratio19.2169%1,650
Total risk-based capital ratio20.4899%1,605
Memoranda:
Average total assets$80,084,8004,872
Average earning assets$75,092,0004,828
Average equity$9,930,0004,670
Average total loans$44,814,4004,836
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3508%5,317
Cost of funding earning assets0.4749%2,456
Net interest margin2.8759%5,454
Noninterest income to average assets0.9352%1,356
Noninterest expense to average assets4.2633%507
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets-0.6368%6,158
Return on assets (ROA)-0.6368%6,158
Pretax return on assets-0.6368%6,151
Return on Equity (ROE)-5.1831%6,140
Retained earnings to average equity (ytd only)-5.1831%6,026
Net charge-offs to loans0.2856%933
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)-4.0851%4,116
Efficiency ratio117.5583%105
Assets per employee ($millions)3.9326%4,012
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans4.2260%80
Loan loss allowance to noncurrent loans63.8793%4,574
Noncurrent assets plus other real estate owned to assets3.6254%343
Noncurrent loans to loans6.6156%109
Net loans and leases to total assets50.5219%4,890
Net loans and leases to deposits61.8238%4,734
Net loans and leases to core deposits64.2852%4,798
Total domestic deposits to total assets81.7192%4,251
Equity capital to assets11.7904%2,274
Core capital (leverage) ratio11.8825%1,756
Tier 1 risk-based capital ratio20.3225%1,472
Total risk-based capital ratio21.6043%1,434
Memoranda:
Average total assets$80,404,2504,921
Average earning assets$75,244,2504,886
Average equity$9,878,0004,733
Average total loans$43,878,5004,919
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2692%5,497
Cost of funding earning assets0.4728%2,487
Net interest margin2.7965%5,620
Noninterest income to average assets0.9513%1,296
Noninterest expense to average assets4.3500%477
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets-0.7706%6,236
Return on assets (ROA)-0.7706%6,241
Pretax return on assets-0.7706%6,231
Return on Equity (ROE)-6.1864%6,209
Retained earnings to average equity (ytd only)-6.1864%6,065
Net charge-offs to loans0.4684%540
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)-2.9806%3,799
Efficiency ratio121.5288%104
Assets per employee ($millions)3.6495%4,535
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans4.1092%97
Loan loss allowance to noncurrent loans62.3213%4,688
Noncurrent assets plus other real estate owned to assets3.7988%357
Noncurrent loans to loans6.5935%129
Net loans and leases to total assets53.2178%4,637
Net loans and leases to deposits65.5830%4,377
Net loans and leases to core deposits67.9949%4,496
Total domestic deposits to total assets81.1456%4,570
Equity capital to assets12.1623%1,912
Core capital (leverage) ratio12.3900%1,438
Tier 1 risk-based capital ratio20.1758%1,510
Total risk-based capital ratio21.4572%1,482
Memoranda:
Average total assets$79,677,6704,986
Average earning assets$74,879,6704,945
Average equity$9,925,0004,766
Average total loans$43,983,3304,950
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2894%5,473
Cost of funding earning assets0.4814%2,439
Net interest margin2.8080%5,624
Noninterest income to average assets0.9071%1,364
Noninterest expense to average assets4.3088%493
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets-0.7559%6,287
Return on assets (ROA)-0.7559%6,294
Pretax return on assets-0.7559%6,282
Return on Equity (ROE)-5.9970%6,277
Retained earnings to average equity (ytd only)-5.9970%5,988
Net charge-offs to loans1.0161%235
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)-1.3514%3,187
Efficiency ratio121.2766%120
Assets per employee ($millions)3.8965%4,173
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans4.2991%100
Loan loss allowance to noncurrent loans58.6118%4,764
Noncurrent assets plus other real estate owned to assets3.8032%408
Noncurrent loans to loans7.3350%116
Net loans and leases to total assets49.6211%4,892
Net loans and leases to deposits61.0792%4,657
Net loans and leases to core deposits63.2781%4,761
Total domestic deposits to total assets81.2407%4,753
Equity capital to assets12.1612%1,918
Core capital (leverage) ratio12.4594%1,376
Tier 1 risk-based capital ratio19.9463%1,633
Total risk-based capital ratio21.2255%1,597
Memoranda:
Average total assets$79,372,0005,041
Average earning assets$74,786,0004,994
Average equity$10,005,0004,783
Average total loans$43,695,5004,993
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0315%3,593
Cost of funding earning assets0.5083%2,585
Net interest margin3.5232%3,704
Noninterest income to average assets1.1036%1,000
Noninterest expense to average assets4.1368%651
Loan and lease loss provision to assets0.2302%1,055
Net operating income to assets0.0311%6,054
Return on assets (ROA)0.0311%6,075
Pretax return on assets0.0311%6,058
Return on Equity (ROE)0.2483%6,081
Retained earnings to average equity (ytd only)0.2483%5,671
Net charge-offs to loans0.5875%683
Credit loss provision to net charge-offs63.3562%3,224
Earnings coverage of net charge-offs (x)0.7192%4,578
Efficiency ratio94.0594%597
Assets per employee ($millions)3.4963%4,909
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans4.3034%107
Loan loss allowance to noncurrent loans83.4771%4,148
Noncurrent assets plus other real estate owned to assets3.0136%664
Noncurrent loans to loans5.1552%275
Net loans and leases to total assets55.9414%4,345
Net loans and leases to deposits70.0479%3,903
Net loans and leases to core deposits73.0928%4,018
Total domestic deposits to total assets79.8617%5,058
Equity capital to assets13.0776%1,332
Core capital (leverage) ratio12.6284%1,297
Tier 1 risk-based capital ratio19.7957%1,641
Total risk-based capital ratio21.0783%1,605
Memoranda:
Average total assets$80,375,2005,052
Average earning assets$75,158,6005,017
Average equity$10,069,4004,736
Average total loans$49,703,6004,827
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0835%3,444
Cost of funding earning assets0.5054%2,702
Net interest margin3.5780%3,515
Noninterest income to average assets1.1718%873
Noninterest expense to average assets4.1128%676
Loan and lease loss provision to assets0.1969%1,220
Net operating income to assets0.2199%5,807
Return on assets (ROA)0.2199%5,854
Pretax return on assets0.2199%5,918
Return on Equity (ROE)1.7738%5,891
Retained earnings to average equity (ytd only)1.7738%5,170
Net charge-offs to loans0.1651%2,144
Credit loss provision to net charge-offs190.4762%1,322
Earnings coverage of net charge-offs (x)4.0317%3,545
Efficiency ratio90.7971%787
Assets per employee ($millions)4.1947%3,494
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans4.4896%105
Loan loss allowance to noncurrent loans87.0954%3,990
Noncurrent assets plus other real estate owned to assets2.8727%842
Noncurrent loans to loans5.1547%339
Net loans and leases to total assets53.2267%4,669
Net loans and leases to deposits69.4194%3,979
Net loans and leases to core deposits71.4247%4,214
Total domestic deposits to total assets76.6741%5,733
Equity capital to assets12.0545%2,013
Core capital (leverage) ratio12.0525%1,669
Tier 1 risk-based capital ratio19.5906%1,761
Total risk-based capital ratio20.8762%1,722
Memoranda:
Average total assets$81,239,5005,084
Average earning assets$76,240,7505,036
Average equity$10,072,0004,768
Average total loans$50,888,5004,836
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8903%4,173
Cost of funding earning assets0.5062%2,772
Net interest margin3.3841%4,244
Noninterest income to average assets1.3440%663
Noninterest expense to average assets4.2611%572
Loan and lease loss provision to assets0.1493%1,652
Net operating income to assets0.1120%6,022
Return on assets (ROA)0.1120%6,064
Pretax return on assets0.1120%6,076
Return on Equity (ROE)0.8948%6,073
Retained earnings to average equity (ytd only)0.8948%5,392
Net charge-offs to loans-0.0077%5,261
Credit loss provision to net charge-offs-3,000.0000%5,863
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.2212%628
Assets per employee ($millions)3.6346%4,589
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans4.0816%164
Loan loss allowance to noncurrent loans38.1920%5,554
Noncurrent assets plus other real estate owned to assets6.5901%206
Noncurrent loans to loans10.6871%66
Net loans and leases to total assets59.1471%3,839
Net loans and leases to deposits74.8800%3,210
Net loans and leases to core deposits76.9832%3,540
Total domestic deposits to total assets78.9892%5,461
Equity capital to assets12.0175%1,966
Core capital (leverage) ratio11.9038%1,717
Tier 1 risk-based capital ratio19.3711%1,831
Total risk-based capital ratio20.6565%1,789
Memoranda:
Average total assets$80,354,6705,153
Average earning assets$75,470,3305,092
Average equity$10,058,3304,790
Average total loans$52,267,0004,819
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8981%4,092
Cost of funding earning assets0.5028%2,876
Net interest margin3.3953%4,135
Noninterest income to average assets1.9255%356
Noninterest expense to average assets4.2726%564
Loan and lease loss provision to assets0.1016%2,227
Net operating income to assets0.7417%3,470
Return on assets (ROA)0.7417%3,556
Pretax return on assets0.7417%4,343
Return on Equity (ROE)5.8026%4,129
Retained earnings to average equity (ytd only)5.8026%2,645
Net charge-offs to loans0.0304%2,976
Credit loss provision to net charge-offs500.0000%530
Earnings coverage of net charge-offs (x)41.5000%855
Efficiency ratio83.5154%1,730
Assets per employee ($millions)3.5720%4,784
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans3.8777%209
Loan loss allowance to noncurrent loans37.3842%5,639
Noncurrent assets plus other real estate owned to assets6.7006%235
Noncurrent loans to loans10.3725%92
Net loans and leases to total assets62.0945%3,229
Net loans and leases to deposits79.1667%2,410
Net loans and leases to core deposits81.7718%2,759
Total domestic deposits to total assets78.4352%5,767
Equity capital to assets12.3739%1,642
Core capital (leverage) ratio12.2409%1,512
Tier 1 risk-based capital ratio17.7543%2,388
Total risk-based capital ratio19.0348%2,351
Memoranda:
Average total assets$78,734,5005,236
Average earning assets$73,985,5005,178
Average equity$10,064,5004,801
Average total loans$52,626,5004,835
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5065%2,182
Cost of funding earning assets0.6343%2,342
Net interest margin3.8722%2,391
Noninterest income to average assets1.2139%954
Noninterest expense to average assets4.3133%621
Loan and lease loss provision to assets0.3169%1,047
Net operating income to assets0.2218%5,773
Return on assets (ROA)0.2218%5,830
Pretax return on assets0.2218%5,898
Return on Equity (ROE)1.8371%5,897
Retained earnings to average equity (ytd only)1.8371%4,928
Net charge-offs to loans2.5656%111
Credit loss provision to net charge-offs18.1564%4,481
Earnings coverage of net charge-offs (x)0.3087%4,980
Efficiency ratio88.8973%1,119
Assets per employee ($millions)3.2744%5,336
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans3.9134%213
Loan loss allowance to noncurrent loans369.9275%1,247
Noncurrent assets plus other real estate owned to assets2.1989%1,626
Noncurrent loans to loans1.0579%3,397
Net loans and leases to total assets66.5737%2,596
Net loans and leases to deposits86.8356%1,593
Net loans and leases to core deposits91.5244%1,843
Total domestic deposits to total assets76.6664%6,031
Equity capital to assets13.2290%1,167
Core capital (leverage) ratio12.2137%1,488
Tier 1 risk-based capital ratio17.4378%2,437
Total risk-based capital ratio18.7168%2,403
Memoranda:
Average total assets$82,048,2005,190
Average earning assets$77,088,4005,117
Average equity$9,906,8004,870
Average total loans$55,814,6004,755
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3624%2,724
Cost of funding earning assets0.6462%2,396
Net interest margin3.7163%2,968
Noninterest income to average assets1.1242%1,158
Noninterest expense to average assets4.1433%726
Loan and lease loss provision to assets0.4140%717
Net operating income to assets0.0653%6,197
Return on assets (ROA)0.0653%6,252
Pretax return on assets0.0653%6,244
Return on Equity (ROE)0.5526%6,262
Retained earnings to average equity (ytd only)0.5526%5,748
Net charge-offs to loans2.1178%170
Credit loss provision to net charge-offs28.8568%3,917
Earnings coverage of net charge-offs (x)0.3341%4,751
Efficiency ratio89.6314%1,028
Assets per employee ($millions)3.9824%3,869
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans4.7491%136
Loan loss allowance to noncurrent loans119.2860%3,037
Noncurrent assets plus other real estate owned to assets4.4183%686
Noncurrent loans to loans3.9812%882
Net loans and leases to total assets61.7075%3,418
Net loans and leases to deposits78.2170%2,626
Net loans and leases to core deposits81.7223%2,902
Total domestic deposits to total assets78.8927%5,763
Equity capital to assets11.7470%2,090
Core capital (leverage) ratio11.6064%1,944
Tier 1 risk-based capital ratio16.2684%3,055
Total risk-based capital ratio17.5569%2,995
Memoranda:
Average total assets$83,732,2505,197
Average earning assets$78,822,2505,113
Average equity$9,892,7504,924
Average total loans$56,723,2504,767
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4281%2,465
Cost of funding earning assets0.6507%2,485
Net interest margin3.7774%2,644
Noninterest income to average assets1.0983%1,257
Noninterest expense to average assets4.2093%686
Loan and lease loss provision to assets0.6208%403
Net operating income to assets-0.1695%6,469
Return on assets (ROA)-0.1695%6,502
Pretax return on assets-0.1695%6,475
Return on Equity (ROE)-1.4321%6,490
Retained earnings to average equity (ytd only)-1.4321%6,115
Net charge-offs to loans-0.2397%6,710
Credit loss provision to net charge-offs-376.8116%5,859
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.3176%1,038
Assets per employee ($millions)3.8015%4,202
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans6.3514%44
Loan loss allowance to noncurrent loans159.2360%2,410
Noncurrent assets plus other real estate owned to assets2.7119%1,539
Noncurrent loans to loans3.9887%977
Net loans and leases to total assets62.4641%3,208
Net loans and leases to deposits78.9899%2,459
Net loans and leases to core deposits81.9027%2,811
Total domestic deposits to total assets79.0786%5,791
Equity capital to assets11.6355%2,183
Core capital (leverage) ratio11.3899%2,025
Tier 1 risk-based capital ratio15.9053%3,252
Total risk-based capital ratio17.2110%3,156
Memoranda:
Average total assets$83,766,3305,231
Average earning assets$78,995,6705,141
Average equity$9,915,6704,968
Average total loans$57,571,3304,764
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4141%2,471
Cost of funding earning assets0.6616%2,552
Net interest margin3.7525%2,649
Noninterest income to average assets1.0306%1,397
Noninterest expense to average assets4.2751%646
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.3006%5,563
Return on assets (ROA)0.3006%5,689
Pretax return on assets0.3006%5,847
Return on Equity (ROE)2.5180%5,769
Retained earnings to average equity (ytd only)2.5180%4,764
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.4307%880
Assets per employee ($millions)4.0085%3,926
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans5.5231%101
Loan loss allowance to noncurrent loans162.6518%2,237
Noncurrent assets plus other real estate owned to assets2.2895%2,033
Noncurrent loans to loans3.3957%1,421
Net loans and leases to total assets62.3425%2,991
Net loans and leases to deposits78.1293%2,319
Net loans and leases to core deposits82.0359%2,564
Total domestic deposits to total assets79.7941%5,797
Equity capital to assets11.3770%2,554
Core capital (leverage) ratio11.6834%1,762
Tier 1 risk-based capital ratio15.3942%3,595
Total risk-based capital ratio16.6911%3,524
Memoranda:
Average total assets$83,833,5005,272
Average earning assets$79,200,0005,178
Average equity$10,008,0004,983
Average total loans$58,465,5004,760
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5068%3,365
Cost of funding earning assets0.8042%2,630
Net interest margin3.7026%3,628
Noninterest income to average assets0.3020%5,293
Noninterest expense to average assets4.2157%755
Loan and lease loss provision to assets0.1594%3,623
Net operating income to assets-0.6987%6,648
Return on assets (ROA)-0.6987%6,679
Pretax return on assets-0.7277%6,658
Return on Equity (ROE)-6.4351%6,639
Retained earnings to average equity (ytd only)-6.4351%6,498
Net charge-offs to loans1.9689%370
Credit loss provision to net charge-offs12.3917%5,372
Earnings coverage of net charge-offs (x)-0.4419%5,656
Efficiency ratio115.5820%255
Assets per employee ($millions)3.6127%4,749
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans5.4717%97
Loan loss allowance to noncurrent loans163.1472%2,216
Noncurrent assets plus other real estate owned to assets2.5327%1,921
Noncurrent loans to loans3.3538%1,516
Net loans and leases to total assets69.8603%1,871
Net loans and leases to deposits89.9132%1,081
Net loans and leases to core deposits95.5811%1,342
Total domestic deposits to total assets77.6975%6,126
Equity capital to assets12.5604%1,665
Core capital (leverage) ratio11.2111%2,083
Tier 1 risk-based capital ratio16.1471%3,082
Total risk-based capital ratio17.4465%3,005
Memoranda:
Average total assets$89,737,0005,088
Average earning assets$81,077,2005,099
Average equity$9,743,4005,042
Average total loans$58,612,2004,769
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4365%3,896
Cost of funding earning assets0.8069%2,886
Net interest margin3.6295%4,103
Noninterest income to average assets-0.3582%7,107
Noninterest expense to average assets5.2537%311
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets-2.3257%7,076
Return on assets (ROA)-2.3257%7,078
Pretax return on assets-2.3632%7,066
Return on Equity (ROE)-22.1677%7,012
Retained earnings to average equity (ytd only)-22.1677%6,997
Net charge-offs to loans3.1955%161
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)-1.1652%5,590
Efficiency ratio181.7591%47
Assets per employee ($millions)4.1340%3,617
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans4.8007%166
Loan loss allowance to noncurrent loans150.3198%2,277
Noncurrent assets plus other real estate owned to assets2.6828%1,961
Noncurrent loans to loans3.1937%1,728
Net loans and leases to total assets61.4861%3,481
Net loans and leases to deposits76.0571%2,978
Net loans and leases to core deposits80.0369%3,203
Total domestic deposits to total assets80.8420%5,410
Equity capital to assets10.4465%3,904
Core capital (leverage) ratio10.0430%3,486
Tier 1 risk-based capital ratio14.3728%4,280
Total risk-based capital ratio15.6616%4,220
Memoranda:
Average total assets$92,301,2505,069
Average earning assets$82,616,5005,102
Average equity$9,683,5005,102
Average total loans$58,580,5004,815
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4880%3,816
Cost of funding earning assets0.8131%3,092
Net interest margin3.6749%3,946
Noninterest income to average assets0.8582%1,939
Noninterest expense to average assets7.7734%120
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets-3.6506%7,181
Return on assets (ROA)-3.6506%7,184
Pretax return on assets-3.6506%7,179
Return on Equity (ROE)-34.7484%7,130
Retained earnings to average equity (ytd only)-34.7484%7,123
Net charge-offs to loans4.7465%79
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)-1.2189%5,330
Efficiency ratio188.5460%46
Assets per employee ($millions)4.3972%3,094
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans4.9364%172
Loan loss allowance to noncurrent loans135.6289%2,453
Noncurrent assets plus other real estate owned to assets6.0222%703
Noncurrent loans to loans3.6396%1,569
Net loans and leases to total assets59.1449%3,962
Net loans and leases to deposits72.8841%3,471
Net loans and leases to core deposits76.6182%3,704
Total domestic deposits to total assets81.1492%5,417
Equity capital to assets10.1894%4,064
Core capital (leverage) ratio10.0230%3,394
Tier 1 risk-based capital ratio13.7064%4,657
Total risk-based capital ratio15.0069%4,597
Memoranda:
Average total assets$92,752,0005,098
Average earning assets$82,397,3305,142
Average equity$9,744,3305,093
Average total loans$58,527,0004,852
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6564%3,233
Cost of funding earning assets0.8422%3,130
Net interest margin3.8142%3,323
Noninterest income to average assets0.9510%1,565
Noninterest expense to average assets6.4632%171
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets-2.1601%7,166
Return on assets (ROA)-2.1601%7,168
Pretax return on assets-2.1601%7,148
Return on Equity (ROE)-20.2583%7,111
Retained earnings to average equity (ytd only)-20.2583%7,045
Net charge-offs to loans-1.3544%7,237
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio150.2000%103
Assets per employee ($millions)4.1710%3,643
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans7.9437%34
Loan loss allowance to noncurrent loans114.4631%2,734
Noncurrent assets plus other real estate owned to assets10.2809%280
Noncurrent loans to loans6.9400%652
Net loans and leases to total assets55.8706%4,411
Net loans and leases to deposits69.3036%3,830
Net loans and leases to core deposits72.9015%4,033
Total domestic deposits to total assets80.6172%5,696
Equity capital to assets10.7136%3,249
Core capital (leverage) ratio10.4538%2,803
Tier 1 risk-based capital ratio14.8790%3,836
Total risk-based capital ratio16.2110%3,744
Memoranda:
Average total assets$92,957,5005,126
Average earning assets$81,694,5005,199
Average equity$9,912,0005,063
Average total loans$59,065,0004,854
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5624%4,823
Cost of funding earning assets1.1846%2,136
Net interest margin3.3779%5,554
Noninterest income to average assets1.3273%734
Noninterest expense to average assets6.0218%207
Loan and lease loss provision to assets1.4270%533
Net operating income to assets-3.1174%7,192
Return on assets (ROA)-3.1174%7,194
Pretax return on assets-3.1174%7,195
Return on Equity (ROE)-27.3502%7,071
Retained earnings to average equity (ytd only)-27.3502%7,062
Net charge-offs to loans0.3128%3,833
Credit loss provision to net charge-offs666.6667%330
Earnings coverage of net charge-offs (x)-7.8971%6,383
Efficiency ratio139.0262%185
Assets per employee ($millions)4.7077%2,589
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans6.7651%56
Loan loss allowance to noncurrent loans105.9178%2,900
Noncurrent assets plus other real estate owned to assets10.3746%301
Noncurrent loans to loans6.3871%746
Net loans and leases to total assets61.8292%3,633
Net loans and leases to deposits76.3623%3,119
Net loans and leases to core deposits80.3129%3,418
Total domestic deposits to total assets80.9682%5,459
Equity capital to assets10.6136%3,404
Core capital (leverage) ratio10.4089%2,836
Tier 1 risk-based capital ratio14.2099%4,169
Total risk-based capital ratio15.5210%4,095
Memoranda:
Average total assets$95,303,0005,032
Average earning assets$84,757,8005,094
Average equity$10,862,8004,815
Average total loans$65,225,6004,667
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6482%4,678
Cost of funding earning assets1.2340%2,094
Net interest margin3.4142%5,528
Noninterest income to average assets1.3195%751
Noninterest expense to average assets5.1761%320
Loan and lease loss provision to assets1.8969%303
Net operating income to assets-2.7087%7,242
Return on assets (ROA)-2.7087%7,255
Pretax return on assets-2.7087%7,245
Return on Equity (ROE)-23.3683%7,146
Retained earnings to average equity (ytd only)-23.3683%7,135
Net charge-offs to loans0.5683%2,535
Credit loss provision to net charge-offs483.9858%575
Earnings coverage of net charge-offs (x)-2.0712%6,026
Efficiency ratio118.6002%322
Assets per employee ($millions)4.8419%2,404
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans6.9852%45
Loan loss allowance to noncurrent loans77.3448%3,665
Noncurrent assets plus other real estate owned to assets14.3096%149
Noncurrent loans to loans9.0312%428
Net loans and leases to total assets57.0391%4,674
Net loans and leases to deposits70.0685%4,292
Net loans and leases to core deposits74.7915%4,342
Total domestic deposits to total assets81.4048%5,294
Equity capital to assets10.5166%3,687
Core capital (leverage) ratio10.2068%3,185
Tier 1 risk-based capital ratio14.4373%4,021
Total risk-based capital ratio15.7612%3,945
Memoranda:
Average total assets$95,590,5005,056
Average earning assets$85,248,7505,113
Average equity$11,080,2504,789
Average total loans$65,922,5004,677
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7112%4,490
Cost of funding earning assets1.2686%2,128
Net interest margin3.4426%5,396
Noninterest income to average assets1.4584%601
Noninterest expense to average assets5.7620%227
Loan and lease loss provision to assets2.2275%253
Net operating income to assets-3.4232%7,357
Return on assets (ROA)-3.4232%7,362
Pretax return on assets-3.4232%7,354
Return on Equity (ROE)-28.6317%7,228
Retained earnings to average equity (ytd only)-28.6317%7,219
Net charge-offs to loans0.8252%1,855
Credit loss provision to net charge-offs377.2242%797
Earnings coverage of net charge-offs (x)-2.0249%5,715
Efficiency ratio126.1850%286
Assets per employee ($millions)5.7089%1,389
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans6.1107%89
Loan loss allowance to noncurrent loans50.9534%4,967
Noncurrent assets plus other real estate owned to assets15.0488%146
Noncurrent loans to loans11.9928%255
Net loans and leases to total assets60.9195%4,104
Net loans and leases to deposits75.3543%3,588
Net loans and leases to core deposits80.9549%3,662
Total domestic deposits to total assets80.8441%5,585
Equity capital to assets10.8118%3,166
Core capital (leverage) ratio10.6679%2,552
Tier 1 risk-based capital ratio14.6868%3,680
Total risk-based capital ratio15.9979%3,615
Memoranda:
Average total assets$95,175,0005,100
Average earning assets$85,922,6705,128
Average equity$11,379,0004,721
Average total loans$68,102,3304,639
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8133%4,000
Cost of funding earning assets1.2934%2,218
Net interest margin3.5199%4,917
Noninterest income to average assets1.3753%685
Noninterest expense to average assets4.9365%387
Loan and lease loss provision to assets1.5493%404
Net operating income to assets-1.8761%7,266
Return on assets (ROA)-1.8761%7,264
Pretax return on assets-1.8761%7,231
Return on Equity (ROE)-14.9552%7,146
Retained earnings to average equity (ytd only)-14.9552%7,044
Net charge-offs to loans0.1755%3,437
Credit loss provision to net charge-offs1,177.4194%337
Earnings coverage of net charge-offs (x)-2.4839%4,978
Efficiency ratio107.0902%558
Assets per employee ($millions)4.7751%2,465
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans4.8901%214
Loan loss allowance to noncurrent loans41.8316%5,514
Noncurrent assets plus other real estate owned to assets11.1474%325
Noncurrent loans to loans11.6901%293
Net loans and leases to total assets69.3033%2,265
Net loans and leases to deposits87.3950%1,534
Net loans and leases to core deposits95.0525%1,764
Total domestic deposits to total assets79.2989%6,118
Equity capital to assets12.1401%1,834
Core capital (leverage) ratio12.0300%1,550
Tier 1 risk-based capital ratio15.8341%2,980
Total risk-based capital ratio17.1257%2,935
Memoranda:
Average total assets$94,237,0005,161
Average earning assets$86,594,0005,143
Average equity$11,822,0004,597
Average total loans$70,668,0004,595
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2531%3,347
Cost of funding earning assets1.7215%1,504
Net interest margin3.5316%5,106
Noninterest income to average assets2.3970%294
Noninterest expense to average assets3.4989%2,182
Loan and lease loss provision to assets3.6068%203
Net operating income to assets-1.4210%6,887
Return on assets (ROA)-1.4210%6,902
Pretax return on assets-1.4210%6,825
Return on Equity (ROE)-12.5666%6,829
Retained earnings to average equity (ytd only)-12.5666%6,781
Net charge-offs to loans2.4511%766
Credit loss provision to net charge-offs205.2802%1,512
Earnings coverage of net charge-offs (x)1.2441%4,856
Efficiency ratio61.5487%5,800
Assets per employee ($millions)4.4272%2,978
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans4.2761%315
Loan loss allowance to noncurrent loans43.7349%5,400
Noncurrent assets plus other real estate owned to assets10.2461%393
Noncurrent loans to loans9.7774%443
Net loans and leases to total assets73.8706%1,684
Net loans and leases to deposits94.7166%988
Net loans and leases to core deposits102.3395%1,427
Total domestic deposits to total assets77.9912%6,315
Equity capital to assets12.9609%1,406
Core capital (leverage) ratio12.5712%1,282
Tier 1 risk-based capital ratio15.2866%3,107
Total risk-based capital ratio16.5693%3,042
Memoranda:
Average total assets$105,633,0004,832
Average earning assets$98,342,0004,761
Average equity$11,944,4004,629
Average total loans$75,720,8004,463
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3114%3,294
Cost of funding earning assets1.7866%1,471
Net interest margin3.5247%5,202
Noninterest income to average assets0.8811%1,870
Noninterest expense to average assets3.2720%2,668
Loan and lease loss provision to assets4.0563%154
Net operating income to assets-3.1568%7,473
Return on assets (ROA)-3.1568%7,487
Pretax return on assets-3.1568%7,454
Return on Equity (ROE)-28.8184%7,371
Retained earnings to average equity (ytd only)-28.8184%7,361
Net charge-offs to loans-0.1338%7,584
Credit loss provision to net charge-offs-4,298.7013%7,178
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.4371%2,563
Assets per employee ($millions)4.9481%2,248
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans5.8450%113
Loan loss allowance to noncurrent loans46.9349%5,162
Noncurrent assets plus other real estate owned to assets10.9911%329
Noncurrent loans to loans12.4534%260
Net loans and leases to total assets73.2817%1,960
Net loans and leases to deposits91.2857%1,540
Net loans and leases to core deposits95.9641%2,265
Total domestic deposits to total assets80.2773%5,616
Equity capital to assets11.1245%2,835
Core capital (leverage) ratio10.1903%3,053
Tier 1 risk-based capital ratio13.5169%4,197
Total risk-based capital ratio14.8268%4,086
Memoranda:
Average total assets$108,798,2504,811
Average earning assets$101,565,7504,742
Average equity$11,918,0004,702
Average total loans$76,714,2504,505
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0237%4,830
Cost of funding earning assets1.8676%1,345
Net interest margin3.1561%6,445
Noninterest income to average assets0.3623%5,251
Noninterest expense to average assets3.3227%2,491
Loan and lease loss provision to assets0.8744%1,661
Net operating income to assets-0.8976%6,902
Return on assets (ROA)-0.8976%6,921
Pretax return on assets-0.8976%6,844
Return on Equity (ROE)-8.2317%6,901
Retained earnings to average equity (ytd only)-8.2317%6,828
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio100.7031%782
Assets per employee ($millions)6.0991%1,160
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.0578%2,055
Loan loss allowance to noncurrent loans41.2445%5,588
Noncurrent assets plus other real estate owned to assets6.8763%780
Noncurrent loans to loans4.9894%1,382
Net loans and leases to total assets69.5390%3,012
Net loans and leases to deposits85.1803%2,665
Net loans and leases to core deposits89.0660%3,401
Total domestic deposits to total assets81.6374%5,137
Equity capital to assets10.9935%2,866
Core capital (leverage) ratio10.4784%2,648
Tier 1 risk-based capital ratio13.9840%3,741
Total risk-based capital ratio15.2380%3,702
Memoranda:
Average total assets$112,077,0004,747
Average earning assets$104,306,3304,685
Average equity$12,221,0004,619
Average total loans$76,611,3304,552
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7189%6,180
Cost of funding earning assets1.9185%1,377
Net interest margin2.8004%7,174
Noninterest income to average assets0.3639%5,228
Noninterest expense to average assets3.1230%3,170
Loan and lease loss provision to assets1.7311%655
Net operating income to assets-1.8653%7,430
Return on assets (ROA)-1.8653%7,434
Pretax return on assets-1.8653%7,375
Return on Equity (ROE)-17.1749%7,376
Retained earnings to average equity (ytd only)-17.1749%7,286
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio104.4917%711
Assets per employee ($millions)6.5775%955
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.0559%2,048
Loan loss allowance to noncurrent loans33.3056%6,183
Noncurrent assets plus other real estate owned to assets7.2959%716
Noncurrent loans to loans6.1729%1,053
Net loans and leases to total assets64.5416%4,207
Net loans and leases to deposits77.2881%4,168
Net loans and leases to core deposits80.2179%4,736
Total domestic deposits to total assets83.5077%4,381
Equity capital to assets10.1634%3,653
Core capital (leverage) ratio10.4536%2,666
Tier 1 risk-based capital ratio14.0720%3,611
Total risk-based capital ratio15.2767%3,602
Memoranda:
Average total assets$113,224,0004,793
Average earning assets$106,126,5004,700
Average equity$12,297,0004,638
Average total loans$75,944,0004,639
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6836%3,194
Cost of funding earning assets2.5945%793
Net interest margin3.0891%6,400
Noninterest income to average assets1.8306%443
Noninterest expense to average assets3.5252%2,319
Loan and lease loss provision to assets0.9749%2,317
Net operating income to assets0.2334%4,788
Return on assets (ROA)0.2334%4,859
Pretax return on assets0.2334%4,932
Return on Equity (ROE)2.0307%4,889
Retained earnings to average equity (ytd only)2.0307%3,687
Net charge-offs to loans0.9225%2,543
Credit loss provision to net charge-offs141.6309%3,417
Earnings coverage of net charge-offs (x)1.7554%4,412
Efficiency ratio74.4747%3,797
Assets per employee ($millions)6.3561%1,048
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.5081%3,677
Loan loss allowance to noncurrent loans37.2700%5,945
Noncurrent assets plus other real estate owned to assets4.0702%1,622
Noncurrent loans to loans4.0463%1,834
Net loans and leases to total assets67.3336%3,851
Net loans and leases to deposits82.4683%3,552
Net loans and leases to core deposits109.0811%2,991
Total domestic deposits to total assets81.6479%5,086
Equity capital to assets11.6249%2,231
Core capital (leverage) ratio12.5934%1,411
Tier 1 risk-based capital ratio15.6051%2,672
Total risk-based capital ratio16.8685%2,620
Memoranda:
Average total assets$101,553,2005,050
Average earning assets$95,432,2004,963
Average equity$11,671,0004,821
Average total loans$75,774,8004,659
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6139%3,782
Cost of funding earning assets2.7408%708
Net interest margin2.8731%6,915
Noninterest income to average assets1.5571%612
Noninterest expense to average assets3.8333%1,534
Loan and lease loss provision to assets0.7472%2,500
Net operating income to assets-0.3282%6,239
Return on assets (ROA)-0.3282%6,253
Pretax return on assets-0.3282%6,127
Return on Equity (ROE)-2.8649%6,227
Retained earnings to average equity (ytd only)-2.8649%5,915
Net charge-offs to loans0.9145%2,139
Credit loss provision to net charge-offs107.0746%4,749
Earnings coverage of net charge-offs (x)0.6004%5,434
Efficiency ratio90.1475%1,677
Assets per employee ($millions)5.8812%1,296
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.1378%5,487
Loan loss allowance to noncurrent loans174.6450%1,685
Noncurrent assets plus other real estate owned to assets1.5893%3,972
Noncurrent loans to loans0.6515%5,996
Net loans and leases to total assets74.8242%2,286
Net loans and leases to deposits91.9098%2,247
Net loans and leases to core deposits139.2021%954
Total domestic deposits to total assets81.4105%4,914
Equity capital to assets11.0781%2,944
Core capital (leverage) ratio10.8234%2,547
Tier 1 risk-based capital ratio13.7138%3,703
Total risk-based capital ratio14.7853%3,758
Memoranda:
Average total assets$99,928,2505,126
Average earning assets$93,741,5005,050
Average equity$11,448,5004,936
Average total loans$76,251,0004,688
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6824%3,646
Cost of funding earning assets2.8241%734
Net interest margin2.8583%6,890
Noninterest income to average assets0.8007%2,403
Noninterest expense to average assets2.3581%6,599
Loan and lease loss provision to assets0.2202%4,836
Net operating income to assets0.8928%2,479
Return on assets (ROA)0.8928%2,592
Pretax return on assets0.8928%3,367
Return on Equity (ROE)7.7078%2,886
Retained earnings to average equity (ytd only)7.7078%1,313
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.9354%5,161
Assets per employee ($millions)6.4985%968
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.1378%5,342
Loan loss allowance to noncurrent loans62.8110%4,312
Noncurrent assets plus other real estate owned to assets3.2729%1,902
Noncurrent loans to loans1.8114%3,790
Net loans and leases to total assets78.0536%1,731
Net loans and leases to deposits96.8507%1,677
Net loans and leases to core deposits157.5069%487
Total domestic deposits to total assets80.5917%5,236
Equity capital to assets11.3055%2,678
Core capital (leverage) ratio11.4938%2,088
Tier 1 risk-based capital ratio13.9497%3,548
Total risk-based capital ratio15.0633%3,561
Memoranda:
Average total assets$99,910,6705,164
Average earning assets$93,341,0005,085
Average equity$11,572,6704,931
Average total loans$76,444,3304,720
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7157%3,715
Cost of funding earning assets2.9406%699
Net interest margin2.7751%7,044
Noninterest income to average assets1.1851%1,037
Noninterest expense to average assets2.3213%6,462
Loan and lease loss provision to assets0.2452%4,018
Net operating income to assets1.2219%1,593
Return on assets (ROA)1.2219%1,698
Pretax return on assets1.2219%2,546
Return on Equity (ROE)10.4168%2,159
Retained earnings to average equity (ytd only)10.4168%1,091
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.2729%6,205
Assets per employee ($millions)6.3097%1,039
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1424%5,173
Loan loss allowance to noncurrent loans133.5347%2,378
Noncurrent assets plus other real estate owned to assets2.5368%2,260
Noncurrent loans to loans0.8555%5,313
Net loans and leases to total assets75.7734%2,327
Net loans and leases to deposits94.4186%2,206
Net loans and leases to core deposits152.0603%646
Total domestic deposits to total assets80.2526%5,260
Equity capital to assets11.5200%2,575
Core capital (leverage) ratio11.6890%2,049
Tier 1 risk-based capital ratio14.0803%3,533
Total risk-based capital ratio15.1556%3,570
Memoranda:
Average total assets$97,878,0005,240
Average earning assets$91,817,0005,151
Average equity$11,481,5004,982
Average total loans$73,621,0004,849
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5708%2,621
Cost of funding earning assets2.8806%2,351
Net interest margin3.6902%4,513
Noninterest income to average assets0.5561%4,188
Noninterest expense to average assets3.6510%2,040
Loan and lease loss provision to assets0.7452%1,996
Net operating income to assets-0.4685%6,897
Return on assets (ROA)-0.4685%6,777
Pretax return on assets-0.4685%6,630
Return on Equity (ROE)-2.9293%6,613
Retained earnings to average equity (ytd only)-2.9293%6,090
Net charge-offs to loans0.4645%2,507
Credit loss provision to net charge-offs213.5458%2,260
Earnings coverage of net charge-offs (x)0.7928%5,755
Efficiency ratio92.9558%1,328
Assets per employee ($millions)4.9895%1,950
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.1795%4,709
Loan loss allowance to noncurrent loans32.1749%6,580
Noncurrent assets plus other real estate owned to assets2.7014%1,757
Noncurrent loans to loans3.6659%1,375
Net loans and leases to total assets72.8231%3,407
Net loans and leases to deposits92.0751%3,122
Net loans and leases to core deposits164.9236%496
Total domestic deposits to total assets79.0909%5,345
Equity capital to assets11.9545%2,317
Core capital (leverage) ratio13.6587%1,342
Tier 1 risk-based capital ratio14.5178%3,285
Total risk-based capital ratio15.5786%3,303
Memoranda:
Average total assets$71,925,6005,969
Average earning assets$65,714,6005,972
Average equity$11,504,4004,967
Average total loans$54,041,6005,523