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OneSouth Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3589%772
Cost of funding earning assets0.3293%2,128
Net interest margin4.0296%665
Noninterest income to average assets0.4903%2,619
Noninterest expense to average assets3.2728%655
Loan and lease loss provision to assets0.1083%1,166
Net operating income to assets0.8347%3,221
Return on assets (ROA)0.8347%3,296
Pretax return on assets0.8347%3,655
Return on Equity (ROE)8.1187%3,186
Retained earnings to average equity (ytd only)8.1187%1,490
Net charge-offs to loans-0.0191%3,958
Credit loss provision to net charge-offs-778.2609%3,865
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.6310%981
Assets per employee ($millions)6.0293%2,738
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.5094%1,512
Loan loss allowance to noncurrent loans198.4962%2,606
Noncurrent assets plus other real estate owned to assets0.5515%1,198
Noncurrent loans to loans0.7604%1,334
Net loans and leases to total assets71.4293%886
Net loans and leases to deposits81.0631%1,129
Net loans and leases to core deposits88.9665%1,018
Total domestic deposits to total assets88.1157%1,984
Equity capital to assets10.4620%2,205
Core capital (leverage) ratio10.4687%1,940
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.0084%1,508
Memoranda:
Average total assets$165,212,2003,343
Average earning assets$152,745,0003,352
Average equity$16,985,4003,462
Average total loans$120,420,2002,951
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4097%797
Cost of funding earning assets0.3477%2,139
Net interest margin4.0620%699
Noninterest income to average assets0.5372%2,465
Noninterest expense to average assets3.2775%618
Loan and lease loss provision to assets0.1455%777
Net operating income to assets0.8593%3,350
Return on assets (ROA)0.8593%3,421
Pretax return on assets0.8593%3,774
Return on Equity (ROE)8.3964%3,284
Retained earnings to average equity (ytd only)8.3964%1,913
Net charge-offs to loans-0.0734%4,502
Credit loss provision to net charge-offs-271.2121%3,464
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.5397%998
Assets per employee ($millions)6.0005%2,697
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.5026%1,622
Loan loss allowance to noncurrent loans165.4418%2,800
Noncurrent assets plus other real estate owned to assets0.6803%1,105
Noncurrent loans to loans0.9082%1,267
Net loans and leases to total assets73.7790%711
Net loans and leases to deposits83.6030%990
Net loans and leases to core deposits92.2939%915
Total domestic deposits to total assets88.2492%1,690
Equity capital to assets10.3259%2,596
Core capital (leverage) ratio10.3525%2,184
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.0233%1,605
Memoranda:
Average total assets$164,310,2503,388
Average earning assets$151,481,7503,397
Average equity$16,816,2503,525
Average total loans$119,916,5002,990
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3719%889
Cost of funding earning assets0.3701%2,138
Net interest margin4.0018%817
Noninterest income to average assets0.6561%1,985
Noninterest expense to average assets3.3077%612
Loan and lease loss provision to assets0.1521%779
Net operating income to assets0.8695%3,308
Return on assets (ROA)0.8695%3,379
Pretax return on assets0.8695%3,725
Return on Equity (ROE)8.5223%3,257
Retained earnings to average equity (ytd only)8.5223%1,886
Net charge-offs to loans-0.1204%4,681
Credit loss provision to net charge-offs-174.6479%3,173
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.4023%1,046
Assets per employee ($millions)5.7061%2,888
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.5019%1,585
Loan loss allowance to noncurrent loans162.6325%2,753
Noncurrent assets plus other real estate owned to assets0.6841%1,202
Noncurrent loans to loans0.9235%1,336
Net loans and leases to total assets72.9614%856
Net loans and leases to deposits82.5894%1,163
Net loans and leases to core deposits90.6038%1,098
Total domestic deposits to total assets88.3423%1,650
Equity capital to assets10.2739%2,600
Core capital (leverage) ratio10.0679%2,337
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.2444%1,277
Memoranda:
Average total assets$163,075,6673,404
Average earning assets$149,684,0003,421
Average equity$16,638,6673,549
Average total loans$117,938,6673,025
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1129%1,354
Cost of funding earning assets0.4156%1,968
Net interest margin3.6973%1,336
Noninterest income to average assets0.8871%1,363
Noninterest expense to average assets3.3063%600
Loan and lease loss provision to assets0.1384%977
Net operating income to assets0.8056%3,406
Return on assets (ROA)0.8056%3,477
Pretax return on assets0.8056%3,802
Return on Equity (ROE)7.9234%3,350
Retained earnings to average equity (ytd only)7.9234%2,266
Net charge-offs to loans-0.2110%4,790
Credit loss provision to net charge-offs-91.8033%2,820
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.7907%972
Assets per employee ($millions)5.8055%2,792
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.5037%1,592
Loan loss allowance to noncurrent loans139.0379%2,893
Noncurrent assets plus other real estate owned to assets0.7800%1,157
Noncurrent loans to loans1.0815%1,235
Net loans and leases to total assets71.0424%1,147
Net loans and leases to deposits81.2025%1,410
Net loans and leases to core deposits89.3202%1,270
Total domestic deposits to total assets87.4879%2,095
Equity capital to assets10.2242%2,501
Core capital (leverage) ratio10.1766%2,354
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5596%1,411
Memoranda:
Average total assets$161,874,5003,413
Average earning assets$147,244,0003,453
Average equity$16,457,5003,563
Average total loans$115,620,0003,058
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7788%763
Cost of funding earning assets0.6845%1,810
Net interest margin4.0943%792
Noninterest income to average assets0.4051%3,069
Noninterest expense to average assets3.3883%802
Loan and lease loss provision to assets0.2744%1,401
Net operating income to assets0.5009%4,031
Return on assets (ROA)0.5009%4,117
Pretax return on assets0.5009%4,268
Return on Equity (ROE)4.8753%3,938
Retained earnings to average equity (ytd only)4.8753%2,330
Net charge-offs to loans0.2324%751
Credit loss provision to net charge-offs163.7066%2,350
Earnings coverage of net charge-offs (x)4.6255%2,959
Efficiency ratio81.3802%788
Assets per employee ($millions)5.3731%2,984
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.4439%1,798
Loan loss allowance to noncurrent loans129.6063%2,990
Noncurrent assets plus other real estate owned to assets0.7879%1,298
Noncurrent loans to loans1.1141%1,276
Net loans and leases to total assets69.6974%1,598
Net loans and leases to deposits81.7707%1,680
Net loans and leases to core deposits90.9354%1,460
Total domestic deposits to total assets85.2352%2,674
Equity capital to assets10.1089%3,021
Core capital (leverage) ratio10.1882%2,427
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9406%1,275
Memoranda:
Average total assets$154,532,6003,348
Average earning assets$141,854,4003,360
Average equity$15,876,0003,569
Average total loans$111,459,4003,081
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8855%754
Cost of funding earning assets0.7411%1,793
Net interest margin4.1445%817
Noninterest income to average assets0.3977%3,089
Noninterest expense to average assets3.4434%762
Loan and lease loss provision to assets0.2800%1,433
Net operating income to assets0.5181%3,983
Return on assets (ROA)0.5181%4,082
Pretax return on assets0.5181%4,248
Return on Equity (ROE)5.0217%3,893
Retained earnings to average equity (ytd only)5.0217%2,548
Net charge-offs to loans0.3272%478
Credit loss provision to net charge-offs118.0147%2,507
Earnings coverage of net charge-offs (x)3.3640%2,918
Efficiency ratio81.1845%779
Assets per employee ($millions)5.2384%2,969
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.2766%2,259
Loan loss allowance to noncurrent loans104.0816%3,216
Noncurrent assets plus other real estate owned to assets0.9481%1,186
Noncurrent loans to loans1.2265%1,244
Net loans and leases to total assets75.2914%1,189
Net loans and leases to deposits89.8189%1,284
Net loans and leases to core deposits100.1379%1,155
Total domestic deposits to total assets83.8259%2,883
Equity capital to assets10.2557%3,004
Core capital (leverage) ratio10.1584%2,565
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.1726%1,216
Memoranda:
Average total assets$152,867,2503,352
Average earning assets$141,776,0003,350
Average equity$15,771,2503,579
Average total loans$110,825,7503,098
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8648%1,030
Cost of funding earning assets0.8146%1,761
Net interest margin4.0502%1,217
Noninterest income to average assets0.3764%3,222
Noninterest expense to average assets3.4654%777
Loan and lease loss provision to assets0.2522%1,668
Net operating income to assets0.4147%4,206
Return on assets (ROA)0.4147%4,265
Pretax return on assets0.4147%4,391
Return on Equity (ROE)4.0112%4,102
Retained earnings to average equity (ytd only)4.0112%2,897
Net charge-offs to loans0.5250%304
Credit loss provision to net charge-offs67.4912%2,565
Earnings coverage of net charge-offs (x)1.7845%2,827
Efficiency ratio83.8607%649
Assets per employee ($millions)5.1058%3,061
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.2233%2,393
Loan loss allowance to noncurrent loans75.7361%3,609
Noncurrent assets plus other real estate owned to assets1.1764%937
Noncurrent loans to loans1.6152%910
Net loans and leases to total assets70.8613%1,900
Net loans and leases to deposits84.2459%1,976
Net loans and leases to core deposits94.7834%1,685
Total domestic deposits to total assets84.1124%2,715
Equity capital to assets10.0075%3,199
Core capital (leverage) ratio9.9811%2,861
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.8856%1,270
Memoranda:
Average total assets$151,439,0003,344
Average earning assets$140,436,3333,340
Average equity$15,656,0003,588
Average total loans$107,817,0003,129
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0106%946
Cost of funding earning assets0.8964%1,886
Net interest margin4.1142%1,108
Noninterest income to average assets0.4027%3,079
Noninterest expense to average assets3.6671%730
Loan and lease loss provision to assets0.2432%1,278
Net operating income to assets0.3000%4,347
Return on assets (ROA)0.3000%4,366
Pretax return on assets0.3000%4,456
Return on Equity (ROE)2.8527%4,252
Retained earnings to average equity (ytd only)2.8527%3,141
Net charge-offs to loans1.0062%155
Credit loss provision to net charge-offs34.0909%2,132
Earnings coverage of net charge-offs (x)0.7614%2,443
Efficiency ratio87.0988%625
Assets per employee ($millions)4.8270%2,840
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.2820%2,231
Loan loss allowance to noncurrent loans93.5576%3,339
Noncurrent assets plus other real estate owned to assets0.9830%1,348
Noncurrent loans to loans1.3703%1,175
Net loans and leases to total assets67.2563%2,658
Net loans and leases to deposits80.6373%2,614
Net loans and leases to core deposits91.7378%2,191
Total domestic deposits to total assets83.4060%2,978
Equity capital to assets10.4338%3,381
Core capital (leverage) ratio10.5375%2,908
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.2406%1,290
Memoranda:
Average total assets$148,018,0003,352
Average earning assets$136,989,5003,355
Average equity$15,564,0003,606
Average total loans$104,951,0003,153
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5080%555
Cost of funding earning assets0.9498%1,959
Net interest margin4.5583%634
Noninterest income to average assets0.4145%3,208
Noninterest expense to average assets3.6377%820
Loan and lease loss provision to assets0.3389%460
Net operating income to assets0.6602%3,987
Return on assets (ROA)0.6602%4,060
Pretax return on assets0.6602%4,304
Return on Equity (ROE)6.4057%3,778
Retained earnings to average equity (ytd only)6.4057%1,665
Net charge-offs to loans0.5161%362
Credit loss provision to net charge-offs88.0734%2,676
Earnings coverage of net charge-offs (x)2.5963%3,398
Efficiency ratio78.4529%1,099
Assets per employee ($millions)4.8799%2,732
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.3719%1,621
Loan loss allowance to noncurrent loans113.8355%3,061
Noncurrent assets plus other real estate owned to assets0.9256%1,371
Noncurrent loans to loans1.2051%1,246
Net loans and leases to total assets72.7285%1,959
Net loans and leases to deposits84.0700%2,325
Net loans and leases to core deposits94.8754%1,991
Total domestic deposits to total assets86.5094%1,843
Equity capital to assets10.5978%3,348
Core capital (leverage) ratio10.3033%3,189
Tier 1 risk-based capital ratio15.9714%2,417
Total risk-based capital ratio17.2251%2,363
Memoranda:
Average total assets$141,626,4003,413
Average earning assets$131,190,6003,401
Average equity$14,596,4003,677
Average total loans$105,600,0003,149
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5724%521
Cost of funding earning assets0.9349%2,063
Net interest margin4.6375%565
Noninterest income to average assets0.4244%3,182
Noninterest expense to average assets3.7388%710
Loan and lease loss provision to assets0.2753%564
Net operating income to assets0.7054%3,993
Return on assets (ROA)0.7054%4,061
Pretax return on assets0.7054%4,330
Return on Equity (ROE)6.8954%3,724
Retained earnings to average equity (ytd only)6.8954%1,916
Net charge-offs to loans0.3454%490
Credit loss provision to net charge-offs106.6176%2,138
Earnings coverage of net charge-offs (x)3.7978%3,073
Efficiency ratio79.2195%992
Assets per employee ($millions)4.9462%2,621
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.4075%1,552
Loan loss allowance to noncurrent loans144.0147%2,692
Noncurrent assets plus other real estate owned to assets0.8289%1,663
Noncurrent loans to loans0.9773%1,636
Net loans and leases to total assets76.3755%1,419
Net loans and leases to deposits88.6954%1,841
Net loans and leases to core deposits100.4125%1,630
Total domestic deposits to total assets86.1099%1,941
Equity capital to assets10.6365%3,434
Core capital (leverage) ratio10.5635%3,045
Tier 1 risk-based capital ratio14.6443%3,009
Total risk-based capital ratio15.8969%2,934
Memoranda:
Average total assets$140,433,5003,468
Average earning assets$130,065,5003,462
Average equity$14,366,7503,733
Average total loans$105,011,5003,193
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4732%593
Cost of funding earning assets0.8970%2,163
Net interest margin4.5763%649
Noninterest income to average assets0.4303%3,063
Noninterest expense to average assets3.6964%755
Loan and lease loss provision to assets0.2869%499
Net operating income to assets0.6842%4,051
Return on assets (ROA)0.6842%4,109
Pretax return on assets0.6842%4,366
Return on Equity (ROE)6.7804%3,755
Retained earnings to average equity (ytd only)6.7804%1,914
Net charge-offs to loans0.4195%399
Credit loss provision to net charge-offs92.5926%2,108
Earnings coverage of net charge-offs (x)3.1343%2,874
Efficiency ratio79.1948%1,038
Assets per employee ($millions)4.9273%2,572
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.4218%1,521
Loan loss allowance to noncurrent loans64.5842%3,928
Noncurrent assets plus other real estate owned to assets1.7300%602
Noncurrent loans to loans2.2015%613
Net loans and leases to total assets74.2367%1,850
Net loans and leases to deposits85.9998%2,254
Net loans and leases to core deposits96.9050%1,987
Total domestic deposits to total assets86.3219%1,883
Equity capital to assets10.4904%3,523
Core capital (leverage) ratio10.3737%3,217
Tier 1 risk-based capital ratio14.7282%2,949
Total risk-based capital ratio15.9808%2,879
Memoranda:
Average total assets$139,431,3303,501
Average earning assets$129,101,3303,491
Average equity$14,070,0003,778
Average total loans$102,976,3303,240
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2802%783
Cost of funding earning assets0.8481%2,281
Net interest margin4.4321%839
Noninterest income to average assets0.4415%2,903
Noninterest expense to average assets3.7531%696
Loan and lease loss provision to assets0.1743%963
Net operating income to assets0.6129%4,198
Return on assets (ROA)0.6129%4,240
Pretax return on assets0.6129%4,485
Return on Equity (ROE)6.2013%3,952
Retained earnings to average equity (ytd only)6.2013%2,366
Net charge-offs to loans-0.0755%4,954
Credit loss provision to net charge-offs-315.7895%3,734
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.6615%817
Assets per employee ($millions)5.0764%2,428
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.6545%951
Loan loss allowance to noncurrent loans87.3656%3,582
Noncurrent assets plus other real estate owned to assets1.3810%915
Noncurrent loans to loans1.8938%803
Net loans and leases to total assets67.9548%2,762
Net loans and leases to deposits78.5408%3,001
Net loans and leases to core deposits88.3619%2,650
Total domestic deposits to total assets86.5217%2,056
Equity capital to assets10.3553%3,469
Core capital (leverage) ratio10.2919%3,284
Tier 1 risk-based capital ratio14.8380%2,942
Total risk-based capital ratio16.0924%2,877
Memoranda:
Average total assets$137,700,5003,561
Average earning assets$127,342,5003,554
Average equity$13,610,0003,852
Average total loans$100,660,0003,317
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3621%520
Cost of funding earning assets0.7043%2,065
Net interest margin4.6578%535
Noninterest income to average assets0.7161%1,785
Noninterest expense to average assets3.8723%625
Loan and lease loss provision to assets0.4636%272
Net operating income to assets0.6900%4,164
Return on assets (ROA)0.6900%4,169
Pretax return on assets0.6900%4,436
Return on Equity (ROE)7.6119%3,612
Retained earnings to average equity (ytd only)7.6119%1,410
Net charge-offs to loans0.2475%778
Credit loss provision to net charge-offs235.0195%1,259
Earnings coverage of net charge-offs (x)5.8482%3,145
Efficiency ratio77.0464%1,230
Assets per employee ($millions)4.7593%2,800
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.4995%1,295
Loan loss allowance to noncurrent loans119.3822%3,121
Noncurrent assets plus other real estate owned to assets1.0633%1,278
Noncurrent loans to loans1.2560%1,267
Net loans and leases to total assets76.2098%1,579
Net loans and leases to deposits87.2739%2,138
Net loans and leases to core deposits97.4982%1,910
Total domestic deposits to total assets87.3226%1,633
Equity capital to assets9.3808%4,238
Core capital (leverage) ratio9.1617%4,494
Tier 1 risk-based capital ratio12.3320%4,224
Total risk-based capital ratio13.5847%4,102
Memoranda:
Average total assets$130,284,4003,646
Average earning assets$120,550,0003,634
Average equity$11,810,4004,048
Average total loans$103,848,8003,235
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2894%536
Cost of funding earning assets0.6446%2,177
Net interest margin4.6447%536
Noninterest income to average assets0.4879%2,934
Noninterest expense to average assets3.8824%607
Loan and lease loss provision to assets0.3077%470
Net operating income to assets0.5990%4,503
Return on assets (ROA)0.5990%4,511
Pretax return on assets0.5990%4,730
Return on Equity (ROE)6.6678%4,047
Retained earnings to average equity (ytd only)6.6678%2,297
Net charge-offs to loans0.3191%524
Credit loss provision to net charge-offs120.0803%1,987
Earnings coverage of net charge-offs (x)3.5382%3,152
Efficiency ratio81.0660%855
Assets per employee ($millions)4.4354%3,219
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.1157%3,099
Loan loss allowance to noncurrent loans113.7523%3,235
Noncurrent assets plus other real estate owned to assets0.9169%1,612
Noncurrent loans to loans0.9808%1,733
Net loans and leases to total assets83.1920%542
Net loans and leases to deposits97.7811%967
Net loans and leases to core deposits106.6291%1,260
Total domestic deposits to total assets85.0799%2,577
Equity capital to assets9.0033%4,548
Core capital (leverage) ratio9.3836%4,300
Tier 1 risk-based capital ratio11.7191%4,658
Total risk-based capital ratio12.9391%4,567
Memoranda:
Average total assets$129,540,2503,686
Average earning assets$119,960,7503,680
Average equity$11,637,7504,104
Average total loans$104,035,0003,257
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1803%574
Cost of funding earning assets0.5975%2,243
Net interest margin4.5828%572
Noninterest income to average assets0.5095%2,808
Noninterest expense to average assets3.9668%557
Loan and lease loss provision to assets0.3178%431
Net operating income to assets0.4674%4,826
Return on assets (ROA)0.4674%4,830
Pretax return on assets0.4674%4,963
Return on Equity (ROE)5.2067%4,494
Retained earnings to average equity (ytd only)5.2067%2,971
Net charge-offs to loans0.2821%568
Credit loss provision to net charge-offs142.6573%1,626
Earnings coverage of net charge-offs (x)3.5245%2,870
Efficiency ratio83.4754%725
Assets per employee ($millions)3.8143%4,187
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.1993%2,721
Loan loss allowance to noncurrent loans86.7171%3,719
Noncurrent assets plus other real estate owned to assets1.5492%848
Noncurrent loans to loans1.3830%1,229
Net loans and leases to total assets82.4671%660
Net loans and leases to deposits94.8770%1,258
Net loans and leases to core deposits102.2801%1,542
Total domestic deposits to total assets86.9200%1,873
Equity capital to assets9.2896%4,292
Core capital (leverage) ratio9.3208%4,337
Tier 1 risk-based capital ratio12.1023%4,439
Total risk-based capital ratio13.3522%4,315
Memoranda:
Average total assets$128,366,3303,728
Average earning assets$118,835,0003,734
Average equity$11,523,6704,153
Average total loans$101,398,0003,313
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9807%726
Cost of funding earning assets0.5727%2,233
Net interest margin4.4081%755
Noninterest income to average assets0.5308%2,629
Noninterest expense to average assets4.1014%466
Loan and lease loss provision to assets0.1852%919
Net operating income to assets0.3302%5,050
Return on assets (ROA)0.3302%5,055
Pretax return on assets0.3302%5,126
Return on Equity (ROE)3.7416%4,838
Retained earnings to average equity (ytd only)3.7416%3,701
Net charge-offs to loans-0.3174%5,454
Credit loss provision to net charge-offs-75.9494%3,657
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.8369%493
Assets per employee ($millions)3.9292%4,103
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.3491%2,024
Loan loss allowance to noncurrent loans87.4510%3,694
Noncurrent assets plus other real estate owned to assets1.5633%874
Noncurrent loans to loans1.5427%1,134
Net loans and leases to total assets75.4529%1,628
Net loans and leases to deposits86.1058%2,155
Net loans and leases to core deposits92.5977%2,252
Total domestic deposits to total assets87.6281%1,834
Equity capital to assets8.8636%4,693
Core capital (leverage) ratio8.9660%4,711
Tier 1 risk-based capital ratio12.3849%4,318
Total risk-based capital ratio13.6370%4,210
Memoranda:
Average total assets$129,613,5003,757
Average earning assets$120,143,0003,745
Average equity$11,439,0004,200
Average total loans$99,565,5003,366
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1251%507
Cost of funding earning assets0.6086%1,539
Net interest margin4.5165%593
Noninterest income to average assets0.4858%3,092
Noninterest expense to average assets3.8351%668
Loan and lease loss provision to assets0.7769%150
Net operating income to assets0.0531%5,304
Return on assets (ROA)0.0531%5,312
Pretax return on assets0.0531%5,405
Return on Equity (ROE)0.6087%5,296
Retained earnings to average equity (ytd only)0.6087%4,798
Net charge-offs to loans0.9529%198
Credit loss provision to net charge-offs101.8887%2,515
Earnings coverage of net charge-offs (x)1.0885%3,930
Efficiency ratio82.2096%916
Assets per employee ($millions)3.5989%4,572
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.1995%2,783
Loan loss allowance to noncurrent loans67.5874%4,138
Noncurrent assets plus other real estate owned to assets1.7605%716
Noncurrent loans to loans1.7748%902
Net loans and leases to total assets76.2245%1,550
Net loans and leases to deposits86.8676%2,150
Net loans and leases to core deposits92.6835%2,307
Total domestic deposits to total assets87.7480%1,630
Equity capital to assets8.7873%4,904
Core capital (leverage) ratio8.5247%5,113
Tier 1 risk-based capital ratio11.8908%4,599
Total risk-based capital ratio13.1397%4,481
Memoranda:
Average total assets$131,939,8003,720
Average earning assets$122,084,6003,710
Average equity$11,500,6004,225
Average total loans$105,577,4003,255
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0233%582
Cost of funding earning assets0.5961%1,552
Net interest margin4.4272%692
Noninterest income to average assets0.4698%3,214
Noninterest expense to average assets3.8258%653
Loan and lease loss provision to assets0.1861%1,057
Net operating income to assets0.5523%4,565
Return on assets (ROA)0.5523%4,603
Pretax return on assets0.5523%4,927
Return on Equity (ROE)6.3488%3,964
Retained earnings to average equity (ytd only)6.3488%2,032
Net charge-offs to loans0.0287%2,859
Credit loss provision to net charge-offs804.3478%430
Earnings coverage of net charge-offs (x)31.9087%1,496
Efficiency ratio83.8219%767
Assets per employee ($millions)3.9414%4,090
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.1387%3,260
Loan loss allowance to noncurrent loans54.4864%4,449
Noncurrent assets plus other real estate owned to assets2.0910%604
Noncurrent loans to loans2.0899%796
Net loans and leases to total assets82.1109%669
Net loans and leases to deposits103.2323%538
Net loans and leases to core deposits109.7765%1,041
Total domestic deposits to total assets79.5399%4,428
Equity capital to assets8.3754%5,356
Core capital (leverage) ratio9.1765%4,540
Tier 1 risk-based capital ratio10.7472%5,360
Total risk-based capital ratio11.9597%5,294
Memoranda:
Average total assets$132,534,2503,748
Average earning assets$122,571,7503,742
Average equity$11,529,5004,264
Average total loans$106,982,5003,259
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9321%648
Cost of funding earning assets0.5830%1,558
Net interest margin4.3491%765
Noninterest income to average assets0.4590%3,297
Noninterest expense to average assets3.9362%571
Loan and lease loss provision to assets0.1932%961
Net operating income to assets0.3647%5,058
Return on assets (ROA)0.3647%5,081
Pretax return on assets0.3647%5,245
Return on Equity (ROE)4.1362%4,789
Retained earnings to average equity (ytd only)4.1362%3,245
Net charge-offs to loans0.0290%2,627
Credit loss provision to net charge-offs833.3333%441
Earnings coverage of net charge-offs (x)24.0667%1,655
Efficiency ratio87.5860%567
Assets per employee ($millions)3.5599%4,634
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.1699%3,195
Loan loss allowance to noncurrent loans51.7864%4,538
Noncurrent assets plus other real estate owned to assets2.3370%491
Noncurrent loans to loans2.2591%712
Net loans and leases to total assets85.0340%343
Net loans and leases to deposits100.7377%684
Net loans and leases to core deposits108.6500%1,072
Total domestic deposits to total assets84.4113%3,049
Equity capital to assets9.0202%4,878
Core capital (leverage) ratio9.3002%4,367
Tier 1 risk-based capital ratio11.0260%5,235
Total risk-based capital ratio12.2541%5,148
Memoranda:
Average total assets$129,415,3303,813
Average earning assets$120,071,6703,808
Average equity$11,411,3304,292
Average total loans$103,360,0003,330
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6856%962
Cost of funding earning assets0.5832%1,491
Net interest margin4.1024%1,209
Noninterest income to average assets0.4645%3,226
Noninterest expense to average assets3.9402%578
Loan and lease loss provision to assets0.1846%926
Net operating income to assets0.1476%5,462
Return on assets (ROA)0.1476%5,471
Pretax return on assets0.1476%5,484
Return on Equity (ROE)1.6936%5,384
Retained earnings to average equity (ytd only)1.6936%4,429
Net charge-offs to loans-0.0160%4,623
Credit loss provision to net charge-offs-1,500.0000%4,497
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.2246%441
Assets per employee ($millions)3.5415%4,734
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.2325%2,927
Loan loss allowance to noncurrent loans56.0108%4,520
Noncurrent assets plus other real estate owned to assets2.1444%590
Noncurrent loans to loans2.2004%772
Net loans and leases to total assets78.1913%1,107
Net loans and leases to deposits89.3064%1,633
Net loans and leases to core deposits97.2348%1,728
Total domestic deposits to total assets87.5540%1,962
Equity capital to assets8.9149%4,897
Core capital (leverage) ratio8.8932%4,850
Tier 1 risk-based capital ratio11.6919%4,916
Total risk-based capital ratio12.9418%4,817
Memoranda:
Average total assets$130,044,5003,839
Average earning assets$120,711,0003,829
Average equity$11,337,0004,329
Average total loans$99,906,5003,419
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9773%618
Cost of funding earning assets0.5586%1,614
Net interest margin4.4187%743
Noninterest income to average assets0.5911%2,707
Noninterest expense to average assets3.9784%621
Loan and lease loss provision to assets0.1992%1,168
Net operating income to assets0.4782%4,719
Return on assets (ROA)0.4782%4,794
Pretax return on assets0.4782%5,072
Return on Equity (ROE)5.2191%4,322
Retained earnings to average equity (ytd only)3.2257%3,618
Net charge-offs to loans0.0625%2,808
Credit loss provision to net charge-offs400.0000%792
Earnings coverage of net charge-offs (x)13.6000%2,354
Efficiency ratio85.4494%861
Assets per employee ($millions)3.6832%4,506
Cash dividends to net income (ytd only)*38.1944%2,950
Condition Ratios (%)
Loss allowance to loans1.1934%3,160
Loan loss allowance to noncurrent loans55.7920%4,547
Noncurrent assets plus other real estate owned to assets1.9820%698
Noncurrent loans to loans2.1390%802
Net loans and leases to total assets73.6828%1,902
Net loans and leases to deposits83.5820%2,467
Net loans and leases to core deposits90.4168%2,468
Total domestic deposits to total assets88.1563%1,559
Equity capital to assets8.5283%5,250
Core capital (leverage) ratio8.5350%5,226
Tier 1 risk-based capital ratio11.5635%5,012
Total risk-based capital ratio12.7661%4,948
Memoranda:
Average total assets$120,451,8003,986
Average earning assets$110,803,0003,996
Average equity$11,036,4004,422
Average total loans$96,028,4003,461
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0318%565
Cost of funding earning assets0.5358%1,828
Net interest margin4.4959%637
Noninterest income to average assets0.5723%2,799
Noninterest expense to average assets4.0198%574
Loan and lease loss provision to assets0.2044%1,033
Net operating income to assets0.4735%4,793
Return on assets (ROA)0.4735%4,872
Pretax return on assets0.4735%5,184
Return on Equity (ROE)5.0690%4,488
Retained earnings to average equity (ytd only)2.3947%4,480
Net charge-offs to loans0.0434%2,775
Credit loss provision to net charge-offs580.6452%630
Earnings coverage of net charge-offs (x)19.2591%1,946
Efficiency ratio85.5693%859
Assets per employee ($millions)3.6680%4,540
Cash dividends to net income (ytd only)*52.7581%1,750
Condition Ratios (%)
Loss allowance to loans1.0731%3,999
Loan loss allowance to noncurrent loans53.9944%4,641
Noncurrent assets plus other real estate owned to assets2.1197%713
Noncurrent loans to loans1.9875%995
Net loans and leases to total assets80.2142%862
Net loans and leases to deposits97.5673%896
Net loans and leases to core deposits106.7816%1,127
Total domestic deposits to total assets82.2142%3,874
Equity capital to assets8.4756%5,542
Core capital (leverage) ratio9.1918%4,602
Tier 1 risk-based capital ratio10.8270%5,466
Total risk-based capital ratio11.9390%5,442
Memoranda:
Average total assets$117,416,2504,063
Average earning assets$107,739,7504,071
Average equity$10,968,5004,472
Average total loans$95,315,7503,485
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8233%848
Cost of funding earning assets0.5111%2,018
Net interest margin4.3122%899
Noninterest income to average assets0.5882%2,682
Noninterest expense to average assets4.1070%527
Loan and lease loss provision to assets0.2133%996
Net operating income to assets0.2115%5,504
Return on assets (ROA)0.2115%5,564
Pretax return on assets0.2115%5,608
Return on Equity (ROE)2.1847%5,465
Retained earnings to average equity (ytd only)-1.8542%5,523
Net charge-offs to loans-0.0241%5,031
Credit loss provision to net charge-offs-1,090.9091%5,108
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.6275%569
Assets per employee ($millions)3.2168%5,183
Cash dividends to net income (ytd only)*184.8739%132
Condition Ratios (%)
Loss allowance to loans1.1514%3,635
Loan loss allowance to noncurrent loans37.0213%5,128
Noncurrent assets plus other real estate owned to assets3.2313%361
Noncurrent loans to loans3.1102%465
Net loans and leases to total assets83.8411%432
Net loans and leases to deposits100.1930%682
Net loans and leases to core deposits108.6562%1,003
Total domestic deposits to total assets83.6796%3,391
Equity capital to assets9.4028%4,863
Core capital (leverage) ratio10.0495%3,515
Tier 1 risk-based capital ratio11.5554%5,118
Total risk-based capital ratio12.7556%5,036
Memoranda:
Average total assets$112,538,6704,176
Average earning assets$102,918,0004,200
Average equity$10,894,0004,509
Average total loans$91,397,3303,577
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6975%1,055
Cost of funding earning assets0.4970%2,134
Net interest margin4.2005%1,099
Noninterest income to average assets0.6708%2,169
Noninterest expense to average assets4.1116%542
Loan and lease loss provision to assets0.2164%894
Net operating income to assets0.1839%5,558
Return on assets (ROA)0.1839%5,613
Pretax return on assets0.1839%5,658
Return on Equity (ROE)1.8722%5,527
Retained earnings to average equity (ytd only)-6.2038%5,675
Net charge-offs to loans-0.0182%4,810
Credit loss provision to net charge-offs-1,500.0000%4,811
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.1271%602
Assets per employee ($millions)3.3003%5,125
Cash dividends to net income (ytd only)*431.3725%58
Condition Ratios (%)
Loss allowance to loans1.2182%3,372
Loan loss allowance to noncurrent loans46.9343%4,903
Noncurrent assets plus other real estate owned to assets2.8730%456
Noncurrent loans to loans2.5955%701
Net loans and leases to total assets79.2197%923
Net loans and leases to deposits92.5234%1,282
Net loans and leases to core deposits98.6531%1,590
Total domestic deposits to total assets85.6213%2,849
Equity capital to assets9.9292%4,176
Core capital (leverage) ratio10.3629%3,114
Tier 1 risk-based capital ratio12.4971%4,575
Total risk-based capital ratio13.7259%4,506
Memoranda:
Average total assets$110,905,0004,247
Average earning assets$101,416,5004,263
Average equity$10,896,5004,529
Average total loans$87,984,0003,650
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0681%549
Cost of funding earning assets0.5207%1,989
Net interest margin4.5474%607
Noninterest income to average assets0.6304%2,559
Noninterest expense to average assets3.9450%722
Loan and lease loss provision to assets0.2567%737
Net operating income to assets0.5748%4,404
Return on assets (ROA)0.5748%4,492
Pretax return on assets0.5748%4,925
Return on Equity (ROE)5.7442%4,158
Retained earnings to average equity (ytd only)1.9713%4,602
Net charge-offs to loans0.1116%2,259
Credit loss provision to net charge-offs298.9011%992
Earnings coverage of net charge-offs (x)9.6813%2,791
Efficiency ratio82.5924%1,327
Assets per employee ($millions)3.4212%4,946
Cash dividends to net income (ytd only)*65.6814%1,451
Condition Ratios (%)
Loss allowance to loans1.1283%3,876
Loan loss allowance to noncurrent loans170.9402%2,548
Noncurrent assets plus other real estate owned to assets0.9495%2,296
Noncurrent loans to loans0.6601%3,210
Net loans and leases to total assets77.6136%1,180
Net loans and leases to deposits87.9566%1,879
Net loans and leases to core deposits93.5575%2,086
Total domestic deposits to total assets88.2408%1,516
Equity capital to assets9.6529%4,365
Core capital (leverage) ratio9.9587%3,562
Tier 1 risk-based capital ratio12.5503%4,602
Total risk-based capital ratio13.6925%4,564
Memoranda:
Average total assets$105,956,2004,335
Average earning assets$96,605,2004,382
Average equity$10,602,0004,552
Average total loans$81,524,6003,784
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9831%643
Cost of funding earning assets0.5173%2,064
Net interest margin4.4658%707
Noninterest income to average assets0.6358%2,553
Noninterest expense to average assets3.8917%755
Loan and lease loss provision to assets0.2712%594
Net operating income to assets0.5373%4,643
Return on assets (ROA)0.5373%4,742
Pretax return on assets0.5373%5,131
Return on Equity (ROE)5.3191%4,480
Retained earnings to average equity (ytd only)0.2533%5,532
Net charge-offs to loans0.0920%2,245
Credit loss provision to net charge-offs385.4545%781
Earnings coverage of net charge-offs (x)11.4912%2,482
Efficiency ratio82.7980%1,293
Assets per employee ($millions)3.2823%5,149
Cash dividends to net income (ytd only)*95.2374%440
Condition Ratios (%)
Loss allowance to loans1.0455%4,497
Loan loss allowance to noncurrent loans190.9980%2,349
Noncurrent assets plus other real estate owned to assets1.2482%1,878
Noncurrent loans to loans0.5474%3,702
Net loans and leases to total assets82.7722%499
Net loans and leases to deposits96.2891%975
Net loans and leases to core deposits103.8027%1,246
Total domestic deposits to total assets85.9622%2,539
Equity capital to assets9.6067%4,628
Core capital (leverage) ratio10.0371%3,569
Tier 1 risk-based capital ratio12.2480%4,928
Total risk-based capital ratio13.3552%4,931
Memoranda:
Average total assets$104,220,5004,419
Average earning assets$94,850,7504,463
Average equity$10,528,0004,615
Average total loans$79,749,5003,869
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7140%1,046
Cost of funding earning assets0.4997%2,254
Net interest margin4.2143%1,080
Noninterest income to average assets0.5896%2,800
Noninterest expense to average assets3.9878%683
Loan and lease loss provision to assets0.2300%807
Net operating income to assets0.2005%5,688
Return on assets (ROA)0.2005%5,753
Pretax return on assets0.2005%5,813
Return on Equity (ROE)1.9496%5,690
Retained earnings to average equity (ytd only)-5.6959%6,048
Net charge-offs to loans0.1090%1,905
Credit loss provision to net charge-offs285.3659%961
Earnings coverage of net charge-offs (x)5.3415%2,932
Efficiency ratio90.2580%732
Assets per employee ($millions)3.2578%5,231
Cash dividends to net income (ytd only)*392.1569%32
Condition Ratios (%)
Loss allowance to loans1.0308%4,706
Loan loss allowance to noncurrent loans169.1871%2,559
Noncurrent assets plus other real estate owned to assets1.5301%1,598
Noncurrent loans to loans0.6093%3,648
Net loans and leases to total assets79.9301%811
Net loans and leases to deposits96.3234%935
Net loans and leases to core deposits104.8194%1,140
Total domestic deposits to total assets82.9810%3,968
Equity capital to assets9.6634%4,451
Core capital (leverage) ratio10.5305%2,917
Tier 1 risk-based capital ratio12.3322%4,920
Total risk-based capital ratio13.3853%4,954
Memoranda:
Average total assets$101,761,0004,516
Average earning assets$92,447,6704,548
Average equity$10,463,6704,657
Average total loans$75,216,3304,026
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5240%1,398
Cost of funding earning assets0.4908%2,372
Net interest margin4.0332%1,461
Noninterest income to average assets0.6553%2,379
Noninterest expense to average assets4.0208%672
Loan and lease loss provision to assets0.2427%690
Net operating income to assets0.0485%5,953
Return on assets (ROA)0.0485%5,999
Pretax return on assets0.0485%5,997
Return on Equity (ROE)0.4571%5,990
Retained earnings to average equity (ytd only)-14.7795%6,218
Net charge-offs to loans0.0807%1,903
Credit loss provision to net charge-offs428.5714%618
Earnings coverage of net charge-offs (x)5.1429%2,412
Efficiency ratio93.2458%631
Assets per employee ($millions)3.4157%5,053
Cash dividends to net income (ytd only)*3,333.3333%1
Condition Ratios (%)
Loss allowance to loans1.2401%3,738
Loan loss allowance to noncurrent loans184.0426%2,371
Noncurrent assets plus other real estate owned to assets1.5477%1,670
Noncurrent loans to loans0.6738%3,602
Net loans and leases to total assets67.2242%2,572
Net loans and leases to deposits76.7241%2,966
Net loans and leases to core deposits83.4324%2,827
Total domestic deposits to total assets87.6181%2,034
Equity capital to assets10.0554%4,087
Core capital (leverage) ratio10.8593%2,565
Tier 1 risk-based capital ratio14.7535%3,573
Total risk-based capital ratio15.9818%3,514
Memoranda:
Average total assets$98,887,0004,604
Average earning assets$89,655,5004,641
Average equity$10,501,0004,695
Average total loans$69,411,0004,194
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0831%659
Cost of funding earning assets0.5114%2,561
Net interest margin4.5717%653
Noninterest income to average assets0.7365%2,140
Noninterest expense to average assets3.8521%909
Loan and lease loss provision to assets0.1661%1,579
Net operating income to assets0.9186%2,786
Return on assets (ROA)0.9186%2,884
Pretax return on assets0.9186%3,837
Return on Equity (ROE)7.9480%3,169
Retained earnings to average equity (ytd only)5.1735%2,482
Net charge-offs to loans0.1962%2,093
Credit loss provision to net charge-offs112.1429%2,120
Earnings coverage of net charge-offs (x)7.3214%3,053
Efficiency ratio78.0279%2,206
Assets per employee ($millions)3.4036%5,054
Cash dividends to net income (ytd only)*34.9078%3,128
Condition Ratios (%)
Loss allowance to loans1.1857%4,094
Loan loss allowance to noncurrent loans176.8898%2,475
Noncurrent assets plus other real estate owned to assets1.6568%1,623
Noncurrent loans to loans0.6703%3,672
Net loans and leases to total assets71.6165%1,970
Net loans and leases to deposits83.0630%2,329
Net loans and leases to core deposits89.3959%2,346
Total domestic deposits to total assets86.2196%2,712
Equity capital to assets11.8266%2,150
Core capital (leverage) ratio12.0921%1,570
Tier 1 risk-based capital ratio15.2253%3,363
Total risk-based capital ratio16.3675%3,378
Memoranda:
Average total assets$94,494,8004,739
Average earning assets$86,816,6004,727
Average equity$10,921,0004,580
Average total loans$71,354,0004,141
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0352%724
Cost of funding earning assets0.5179%2,577
Net interest margin4.5172%711
Noninterest income to average assets0.7834%1,954
Noninterest expense to average assets3.7344%1,072
Loan and lease loss provision to assets0.1428%1,759
Net operating income to assets1.0746%2,139
Return on assets (ROA)1.0746%2,207
Pretax return on assets1.0746%3,281
Return on Equity (ROE)9.3535%2,522
Retained earnings to average equity (ytd only)5.6244%2,651
Net charge-offs to loans0.0538%3,446
Credit loss provision to net charge-offs348.2759%806
Earnings coverage of net charge-offs (x)29.6863%1,380
Efficiency ratio75.4140%2,593
Assets per employee ($millions)3.3378%5,171
Cash dividends to net income (ytd only)*39.8684%2,354
Condition Ratios (%)
Loss allowance to loans1.1051%4,721
Loan loss allowance to noncurrent loans101.6279%3,637
Noncurrent assets plus other real estate owned to assets1.9346%1,506
Noncurrent loans to loans1.0874%2,896
Net loans and leases to total assets83.6898%352
Net loans and leases to deposits99.7310%630
Net loans and leases to core deposits107.7135%864
Total domestic deposits to total assets83.9156%3,795
Equity capital to assets11.9360%2,114
Core capital (leverage) ratio11.9415%1,731
Tier 1 risk-based capital ratio14.0678%4,161
Total risk-based capital ratio15.2054%4,188
Memoranda:
Average total assets$94,293,0004,790
Average earning assets$87,012,5004,769
Average equity$10,833,5004,625
Average total loans$71,924,7504,159
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7816%1,102
Cost of funding earning assets0.5185%2,651
Net interest margin4.2630%1,103
Noninterest income to average assets0.8205%1,763
Noninterest expense to average assets3.6121%1,277
Loan and lease loss provision to assets0.0994%2,365
Net operating income to assets1.0384%2,174
Return on assets (ROA)1.0384%2,240
Pretax return on assets1.0384%3,333
Return on Equity (ROE)9.1550%2,524
Retained earnings to average equity (ytd only)3.5054%3,971
Net charge-offs to loans0.0230%3,746
Credit loss provision to net charge-offs587.5000%517
Earnings coverage of net charge-offs (x)67.2500%748
Efficiency ratio76.0463%2,622
Assets per employee ($millions)3.7762%4,301
Cash dividends to net income (ytd only)*61.7108%1,459
Condition Ratios (%)
Loss allowance to loans1.0926%4,944
Loan loss allowance to noncurrent loans63.4238%4,701
Noncurrent assets plus other real estate owned to assets2.4193%1,190
Noncurrent loans to loans1.7226%2,005
Net loans and leases to total assets80.6453%608
Net loans and leases to deposits93.2284%1,030
Net loans and leases to core deposits101.0217%1,202
Total domestic deposits to total assets86.5030%2,757
Equity capital to assets11.5173%2,412
Core capital (leverage) ratio11.7164%1,839
Tier 1 risk-based capital ratio13.8122%4,383
Total risk-based capital ratio14.9144%4,428
Memoranda:
Average total assets$94,571,6704,812
Average earning assets$87,168,0004,789
Average equity$10,726,3304,667
Average total loans$69,537,0004,252
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6246%1,440
Cost of funding earning assets0.5210%2,704
Net interest margin4.1037%1,445
Noninterest income to average assets0.9466%1,269
Noninterest expense to average assets3.6723%1,172
Loan and lease loss provision to assets0.1014%2,230
Net operating income to assets0.9677%2,329
Return on assets (ROA)0.9677%2,400
Pretax return on assets0.9677%3,454
Return on Equity (ROE)8.5985%2,643
Retained earnings to average equity (ytd only)-2.7410%5,935
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.4510%2,563
Assets per employee ($millions)3.6065%4,701
Cash dividends to net income (ytd only)*131.8777%475
Condition Ratios (%)
Loss allowance to loans1.2277%4,507
Loan loss allowance to noncurrent loans63.1982%4,730
Noncurrent assets plus other real estate owned to assets2.4155%1,335
Noncurrent loans to loans1.9426%1,938
Net loans and leases to total assets70.8691%1,745
Net loans and leases to deposits81.5717%2,090
Net loans and leases to core deposits88.3991%2,052
Total domestic deposits to total assets86.8796%2,889
Equity capital to assets11.3245%2,398
Core capital (leverage) ratio10.8474%2,545
Tier 1 risk-based capital ratio15.7851%3,281
Total risk-based capital ratio17.0353%3,239
Memoranda:
Average total assets$94,654,5004,852
Average earning assets$87,531,5004,834
Average equity$10,653,0004,693
Average total loans$65,818,0004,395
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9913%931
Cost of funding earning assets0.6393%2,300
Net interest margin4.3520%994
Noninterest income to average assets0.6861%2,621
Noninterest expense to average assets3.6297%1,399
Loan and lease loss provision to assets0.4166%710
Net operating income to assets0.6547%4,009
Return on assets (ROA)0.6547%4,113
Pretax return on assets0.6547%4,685
Return on Equity (ROE)5.7489%4,247
Retained earnings to average equity (ytd only)2.4801%4,490
Net charge-offs to loans0.6366%1,020
Credit loss provision to net charge-offs88.5057%2,804
Earnings coverage of net charge-offs (x)2.2759%4,257
Efficiency ratio77.2099%2,591
Assets per employee ($millions)3.6746%4,541
Cash dividends to net income (ytd only)*56.8595%1,921
Condition Ratios (%)
Loss allowance to loans1.2462%4,405
Loan loss allowance to noncurrent loans64.3660%4,703
Noncurrent assets plus other real estate owned to assets2.5895%1,316
Noncurrent loans to loans1.9361%2,068
Net loans and leases to total assets66.5215%2,610
Net loans and leases to deposits76.4504%2,921
Net loans and leases to core deposits83.1315%2,760
Total domestic deposits to total assets87.0126%2,720
Equity capital to assets11.1860%2,439
Core capital (leverage) ratio11.2995%2,118
Tier 1 risk-based capital ratio16.0640%3,069
Total risk-based capital ratio17.3086%3,025
Memoranda:
Average total assets$92,403,8004,922
Average earning assets$85,248,0004,902
Average equity$10,523,8004,736
Average total loans$68,336,8004,327
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0601%832
Cost of funding earning assets0.6676%2,198
Net interest margin4.3925%909
Noninterest income to average assets0.6767%2,743
Noninterest expense to average assets3.6774%1,278
Loan and lease loss provision to assets0.2910%1,179
Net operating income to assets0.7582%3,567
Return on assets (ROA)0.7582%3,696
Pretax return on assets0.7582%4,463
Return on Equity (ROE)6.6264%3,856
Retained earnings to average equity (ytd only)2.2512%4,970
Net charge-offs to loans0.2058%2,592
Credit loss provision to net charge-offs186.9159%1,294
Earnings coverage of net charge-offs (x)6.7385%2,916
Efficiency ratio77.8017%2,449
Assets per employee ($millions)3.4237%5,012
Cash dividends to net income (ytd only)*66.0275%1,226
Condition Ratios (%)
Loss allowance to loans1.2997%4,395
Loan loss allowance to noncurrent loans65.4432%4,601
Noncurrent assets plus other real estate owned to assets3.1815%1,131
Noncurrent loans to loans1.9860%2,261
Net loans and leases to total assets80.6203%487
Net loans and leases to deposits93.6269%851
Net loans and leases to core deposits102.6285%950
Total domestic deposits to total assets86.1081%3,190
Equity capital to assets11.9271%1,962
Core capital (leverage) ratio11.5172%2,030
Tier 1 risk-based capital ratio14.9761%3,764
Total risk-based capital ratio16.2278%3,712
Memoranda:
Average total assets$91,620,0004,984
Average earning assets$84,475,5004,966
Average equity$10,483,0004,798
Average total loans$69,332,0004,321
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8555%1,202
Cost of funding earning assets0.6953%2,100
Net interest margin4.1602%1,378
Noninterest income to average assets0.6790%2,744
Noninterest expense to average assets3.6156%1,381
Loan and lease loss provision to assets0.0649%3,727
Net operating income to assets0.8412%3,092
Return on assets (ROA)0.8412%3,250
Pretax return on assets0.8412%4,153
Return on Equity (ROE)7.4533%3,364
Retained earnings to average equity (ytd only)0.8622%5,554
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.9617%2,158
Assets per employee ($millions)3.2991%5,263
Cash dividends to net income (ytd only)*88.4319%716
Condition Ratios (%)
Loss allowance to loans1.1912%5,034
Loan loss allowance to noncurrent loans42.4651%5,518
Noncurrent assets plus other real estate owned to assets3.3949%1,146
Noncurrent loans to loans2.8051%1,615
Net loans and leases to total assets82.1342%352
Net loans and leases to deposits95.1564%726
Net loans and leases to core deposits104.6338%812
Total domestic deposits to total assets86.3149%3,195
Equity capital to assets11.7968%2,053
Core capital (leverage) ratio11.1294%2,227
Tier 1 risk-based capital ratio14.9618%3,802
Total risk-based capital ratio16.2122%3,766
Memoranda:
Average total assets$92,488,0004,997
Average earning assets$85,429,3304,968
Average equity$10,438,3304,843
Average total loans$68,206,0004,378
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5479%1,995
Cost of funding earning assets0.7503%1,848
Net interest margin3.7976%2,461
Noninterest income to average assets0.6667%2,777
Noninterest expense to average assets3.6053%1,415
Loan and lease loss provision to assets0.0637%3,563
Net operating income to assets0.5011%4,651
Return on assets (ROA)0.5011%4,803
Pretax return on assets0.5011%5,253
Return on Equity (ROE)4.5369%4,820
Retained earnings to average equity (ytd only)-8.6894%6,562
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.4562%1,462
Assets per employee ($millions)3.3522%5,330
Cash dividends to net income (ytd only)*291.5254%92
Condition Ratios (%)
Loss allowance to loans1.3048%4,668
Loan loss allowance to noncurrent loans41.0900%5,556
Noncurrent assets plus other real estate owned to assets3.2218%1,354
Noncurrent loans to loans3.1755%1,559
Net loans and leases to total assets69.8693%1,683
Net loans and leases to deposits80.0303%2,068
Net loans and leases to core deposits87.4703%1,962
Total domestic deposits to total assets87.3036%2,754
Equity capital to assets10.9588%3,002
Core capital (leverage) ratio10.4269%2,869
Tier 1 risk-based capital ratio15.6598%3,447
Total risk-based capital ratio16.9109%3,408
Memoranda:
Average total assets$94,194,5004,996
Average earning assets$86,897,5004,960
Average equity$10,403,5004,903
Average total loans$65,287,5004,515
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2810%966
Cost of funding earning assets0.8258%2,460
Net interest margin4.4552%1,033
Noninterest income to average assets0.6976%2,741
Noninterest expense to average assets3.9143%1,085
Loan and lease loss provision to assets0.1386%3,875
Net operating income to assets0.7397%3,558
Return on assets (ROA)0.7397%3,802
Pretax return on assets0.7397%4,517
Return on Equity (ROE)6.3600%3,981
Retained earnings to average equity (ytd only)5.4905%2,387
Net charge-offs to loans0.2886%3,217
Credit loss provision to net charge-offs63.5417%4,357
Earnings coverage of net charge-offs (x)4.0260%3,508
Efficiency ratio81.6738%1,918
Assets per employee ($millions)3.3760%5,269
Cash dividends to net income (ytd only)*13.6713%3,968
Condition Ratios (%)
Loss allowance to loans1.3286%4,502
Loan loss allowance to noncurrent loans38.3784%5,697
Noncurrent assets plus other real estate owned to assets3.4582%1,319
Noncurrent loans to loans3.4618%1,447
Net loans and leases to total assets66.9389%2,375
Net loans and leases to deposits76.8080%2,682
Net loans and leases to core deposits83.8937%2,564
Total domestic deposits to total assets87.1509%2,740
Equity capital to assets11.1300%2,806
Core capital (leverage) ratio10.8606%2,378
Tier 1 risk-based capital ratio15.6563%3,345
Total risk-based capital ratio16.9069%3,300
Memoranda:
Average total assets$88,010,0005,141
Average earning assets$80,893,8005,105
Average equity$10,235,8004,928
Average total loans$66,538,8004,478
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3888%854
Cost of funding earning assets0.8442%2,595
Net interest margin4.5447%911
Noninterest income to average assets0.7316%2,558
Noninterest expense to average assets3.8866%1,078
Loan and lease loss provision to assets0.1266%3,965
Net operating income to assets0.8983%2,986
Return on assets (ROA)0.8983%3,219
Pretax return on assets0.8983%4,104
Return on Equity (ROE)7.6342%3,455
Retained earnings to average equity (ytd only)6.4668%2,396
Net charge-offs to loans0.1450%3,952
Credit loss provision to net charge-offs112.3288%2,605
Earnings coverage of net charge-offs (x)9.0960%2,367
Efficiency ratio79.1326%2,219
Assets per employee ($millions)3.6265%4,707
Cash dividends to net income (ytd only)*15.2916%3,254
Condition Ratios (%)
Loss allowance to loans1.2401%5,091
Loan loss allowance to noncurrent loans42.9428%5,502
Noncurrent assets plus other real estate owned to assets3.8781%1,261
Noncurrent loans to loans2.8878%1,937
Net loans and leases to total assets81.7787%361
Net loans and leases to deposits95.8837%665
Net loans and leases to core deposits105.2331%790
Total domestic deposits to total assets85.2895%3,624
Equity capital to assets11.5626%2,690
Core capital (leverage) ratio11.1468%2,256
Tier 1 risk-based capital ratio13.7696%4,710
Total risk-based capital ratio15.0201%4,664
Memoranda:
Average total assets$86,380,5005,228
Average earning assets$79,446,7505,196
Average equity$10,164,5004,989
Average total loans$67,141,5004,498
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2616%1,118
Cost of funding earning assets0.8505%2,790
Net interest margin4.4111%1,171
Noninterest income to average assets0.7486%2,420
Noninterest expense to average assets3.9645%993
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.8499%3,145
Return on assets (ROA)0.8499%3,417
Pretax return on assets0.8499%4,277
Return on Equity (ROE)7.1781%3,680
Retained earnings to average equity (ytd only)5.4085%3,039
Net charge-offs to loans0.1519%3,698
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)7.3673%2,491
Efficiency ratio82.3472%1,841
Assets per employee ($millions)3.3417%5,350
Cash dividends to net income (ytd only)*24.6537%2,833
Condition Ratios (%)
Loss allowance to loans1.1981%5,359
Loan loss allowance to noncurrent loans35.0321%5,918
Noncurrent assets plus other real estate owned to assets4.1307%1,216
Noncurrent loans to loans3.4199%1,692
Net loans and leases to total assets82.8613%272
Net loans and leases to deposits99.1503%461
Net loans and leases to core deposits117.0139%370
Total domestic deposits to total assets83.5714%4,499
Equity capital to assets11.8007%2,312
Core capital (leverage) ratio11.6427%1,817
Tier 1 risk-based capital ratio13.9375%4,489
Total risk-based capital ratio15.1791%4,473
Memoranda:
Average total assets$84,953,0005,306
Average earning assets$78,303,0005,261
Average equity$10,058,3305,018
Average total loans$64,497,3304,626
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1625%1,402
Cost of funding earning assets0.8837%2,809
Net interest margin4.2788%1,534
Noninterest income to average assets0.7430%2,434
Noninterest expense to average assets3.9911%948
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.6953%3,907
Return on assets (ROA)0.6953%4,124
Pretax return on assets0.6953%4,810
Return on Equity (ROE)5.8629%4,364
Retained earnings to average equity (ytd only)2.2889%5,114
Net charge-offs to loans0.2321%2,765
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)4.1714%2,647
Efficiency ratio85.1626%1,566
Assets per employee ($millions)2.9851%6,182
Cash dividends to net income (ytd only)*60.9589%1,182
Condition Ratios (%)
Loss allowance to loans1.3691%4,730
Loan loss allowance to noncurrent loans31.4651%6,098
Noncurrent assets plus other real estate owned to assets4.6852%1,126
Noncurrent loans to loans4.3511%1,368
Net loans and leases to total assets76.4531%753
Net loans and leases to deposits88.4982%1,107
Net loans and leases to core deposits100.8586%935
Total domestic deposits to total assets86.3894%3,311
Equity capital to assets11.9643%2,067
Core capital (leverage) ratio11.3143%2,024
Tier 1 risk-based capital ratio15.2508%3,588
Total risk-based capital ratio16.5030%3,552
Memoranda:
Average total assets$83,987,0005,362
Average earning assets$77,404,5005,317
Average equity$9,961,0005,053
Average total loans$60,312,5004,805
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3777%1,475
Cost of funding earning assets1.0130%3,281
Net interest margin4.3648%1,498
Noninterest income to average assets0.7741%2,210
Noninterest expense to average assets3.8333%1,285
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets0.9339%2,469
Return on assets (ROA)0.9339%2,591
Pretax return on assets0.9339%3,497
Return on Equity (ROE)8.2499%2,784
Retained earnings to average equity (ytd only)8.2499%999
Net charge-offs to loans0.5786%2,713
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)2.1994%4,135
Efficiency ratio80.4103%2,253
Assets per employee ($millions)3.3757%5,313
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.6512%3,372
Loan loss allowance to noncurrent loans30.8671%6,143
Noncurrent assets plus other real estate owned to assets4.8950%1,102
Noncurrent loans to loans5.3495%1,011
Net loans and leases to total assets65.0713%2,964
Net loans and leases to deposits75.0707%3,334
Net loans and leases to core deposits86.8002%2,529
Total domestic deposits to total assets86.6800%2,928
Equity capital to assets11.7570%2,300
Core capital (leverage) ratio11.1981%2,118
Tier 1 risk-based capital ratio17.2515%2,487
Total risk-based capital ratio18.5062%2,455
Memoranda:
Average total assets$83,843,2005,343
Average earning assets$76,705,2005,322
Average equity$9,491,0005,157
Average total loans$61,526,0004,808
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4634%1,357
Cost of funding earning assets1.0386%3,403
Net interest margin4.4249%1,331
Noninterest income to average assets0.7757%2,163
Noninterest expense to average assets3.7718%1,356
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.0417%2,172
Return on assets (ROA)1.0417%2,323
Pretax return on assets1.0417%3,243
Return on Equity (ROE)9.2929%2,464
Retained earnings to average equity (ytd only)9.2929%1,043
Net charge-offs to loans0.6672%2,244
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)2.0762%4,104
Efficiency ratio78.3587%2,499
Assets per employee ($millions)3.4068%5,233
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.4685%4,257
Loan loss allowance to noncurrent loans38.1991%5,740
Noncurrent assets plus other real estate owned to assets4.3032%1,407
Noncurrent loans to loans3.8442%1,743
Net loans and leases to total assets75.8671%998
Net loans and leases to deposits88.4521%1,379
Net loans and leases to core deposits102.2437%1,084
Total domestic deposits to total assets85.7720%3,343
Equity capital to assets11.5064%2,675
Core capital (leverage) ratio11.1137%2,304
Tier 1 risk-based capital ratio14.5877%3,913
Total risk-based capital ratio15.8402%3,884
Memoranda:
Average total assets$83,706,0005,381
Average earning assets$76,384,7505,371
Average equity$9,383,2505,212
Average total loans$62,948,2504,799
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3372%1,755
Cost of funding earning assets1.0743%3,434
Net interest margin4.2629%1,793
Noninterest income to average assets0.7787%2,117
Noninterest expense to average assets3.7468%1,454
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.9133%2,579
Return on assets (ROA)0.9133%2,682
Pretax return on assets0.9133%3,570
Return on Equity (ROE)8.2213%2,850
Retained earnings to average equity (ytd only)8.2213%1,376
Net charge-offs to loans0.9827%1,599
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)1.2459%4,357
Efficiency ratio80.4023%2,322
Assets per employee ($millions)3.1841%5,670
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.4568%4,306
Loan loss allowance to noncurrent loans43.5347%5,424
Noncurrent assets plus other real estate owned to assets3.9971%1,604
Noncurrent loans to loans3.3463%2,134
Net loans and leases to total assets79.5026%586
Net loans and leases to deposits92.9803%950
Net loans and leases to core deposits103.6341%1,066
Total domestic deposits to total assets85.5048%3,621
Equity capital to assets11.4693%2,531
Core capital (leverage) ratio11.1300%2,155
Tier 1 risk-based capital ratio13.7507%4,342
Total risk-based capital ratio15.0031%4,315
Memoranda:
Average total assets$83,218,0005,453
Average earning assets$75,770,0005,441
Average equity$9,244,3305,255
Average total loans$62,071,3304,866
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3182%1,812
Cost of funding earning assets1.1174%3,402
Net interest margin4.2008%1,888
Noninterest income to average assets0.8102%1,990
Noninterest expense to average assets3.6724%1,595
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.9588%2,317
Return on assets (ROA)0.9588%2,386
Pretax return on assets0.9588%3,288
Return on Equity (ROE)8.7729%2,574
Retained earnings to average equity (ytd only)8.7729%1,462
Net charge-offs to loans-0.5225%7,416
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2961%2,650
Assets per employee ($millions)3.1861%5,746
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.3078%1,748
Loan loss allowance to noncurrent loans96.3727%2,968
Noncurrent assets plus other real estate owned to assets3.0288%2,282
Noncurrent loans to loans2.3946%3,096
Net loans and leases to total assets69.2427%2,280
Net loans and leases to deposits79.5077%2,806
Net loans and leases to core deposits87.7453%2,633
Total domestic deposits to total assets87.0894%2,899
Equity capital to assets11.1252%2,564
Core capital (leverage) ratio10.7817%2,371
Tier 1 risk-based capital ratio15.5457%3,138
Total risk-based capital ratio16.8092%3,084
Memoranda:
Average total assets$83,434,0005,483
Average earning assets$75,890,0005,478
Average equity$9,119,0005,281
Average total loans$59,712,0005,012
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6255%1,806
Cost of funding earning assets1.2788%4,026
Net interest margin4.3467%1,657
Noninterest income to average assets0.9112%1,813
Noninterest expense to average assets3.6061%1,908
Loan and lease loss provision to assets1.1887%1,323
Net operating income to assets-0.0141%5,866
Return on assets (ROA)0.0656%5,807
Pretax return on assets0.0656%5,769
Return on Equity (ROE)0.6117%5,808
Retained earnings to average equity (ytd only)0.6117%5,272
Net charge-offs to loans0.9408%2,299
Credit loss provision to net charge-offs167.4917%2,032
Earnings coverage of net charge-offs (x)1.6551%4,495
Efficiency ratio75.4287%3,129
Assets per employee ($millions)3.1122%5,855
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.1051%2,060
Loan loss allowance to noncurrent loans68.5622%3,976
Noncurrent assets plus other real estate owned to assets3.5381%1,952
Noncurrent loans to loans3.0704%2,483
Net loans and leases to total assets70.7268%2,369
Net loans and leases to deposits80.4993%3,074
Net loans and leases to core deposits94.9771%2,130
Total domestic deposits to total assets87.8601%2,336
Equity capital to assets10.7368%2,915
Core capital (leverage) ratio10.0531%3,025
Tier 1 risk-based capital ratio14.8565%3,333
Total risk-based capital ratio16.1188%3,283
Memoranda:
Average total assets$85,384,0005,427
Average earning assets$76,011,4005,477
Average equity$9,155,2005,371
Average total loans$64,415,6004,895
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7005%1,717
Cost of funding earning assets1.2893%4,298
Net interest margin4.4113%1,491
Noninterest income to average assets0.9394%1,650
Noninterest expense to average assets3.6380%1,700
Loan and lease loss provision to assets1.5631%841
Net operating income to assets-0.3608%6,476
Return on assets (ROA)-0.2551%6,435
Pretax return on assets-0.2551%6,370
Return on Equity (ROE)-2.3797%6,439
Retained earnings to average equity (ytd only)-2.3797%6,265
Net charge-offs to loans0.1081%5,461
Credit loss provision to net charge-offs1,896.2264%163
Earnings coverage of net charge-offs (x)14.5859%1,503
Efficiency ratio75.1607%3,115
Assets per employee ($millions)3.1628%5,772
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.5842%1,230
Loan loss allowance to noncurrent loans73.8742%3,624
Noncurrent assets plus other real estate owned to assets4.3689%1,555
Noncurrent loans to loans3.4981%2,267
Net loans and leases to total assets77.5150%1,122
Net loans and leases to deposits92.2301%1,418
Net loans and leases to core deposits104.0044%1,485
Total domestic deposits to total assets84.0453%4,108
Equity capital to assets9.9981%4,162
Core capital (leverage) ratio9.6005%3,764
Tier 1 risk-based capital ratio13.3937%4,278
Total risk-based capital ratio14.6582%4,232
Memoranda:
Average total assets$85,722,7505,475
Average earning assets$75,804,0005,554
Average equity$9,188,5005,430
Average total loans$65,342,2504,931
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5007%2,508
Cost of funding earning assets1.3145%4,448
Net interest margin4.1862%2,196
Noninterest income to average assets1.0003%1,379
Noninterest expense to average assets3.6118%1,748
Loan and lease loss provision to assets0.3067%3,935
Net operating income to assets0.7856%3,041
Return on assets (ROA)0.9460%2,473
Pretax return on assets0.9460%3,327
Return on Equity (ROE)8.6237%2,609
Retained earnings to average equity (ytd only)8.6237%1,220
Net charge-offs to loans0.1697%4,599
Credit loss provision to net charge-offs240.7407%1,596
Earnings coverage of net charge-offs (x)8.5741%2,121
Efficiency ratio76.7803%2,938
Assets per employee ($millions)3.2150%5,647
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.3305%4,765
Loan loss allowance to noncurrent loans34.4891%6,068
Noncurrent assets plus other real estate owned to assets4.6034%1,422
Noncurrent loans to loans3.8576%1,986
Net loans and leases to total assets77.8527%1,139
Net loans and leases to deposits93.2451%1,373
Net loans and leases to core deposits102.2333%1,806
Total domestic deposits to total assets83.4926%4,343
Equity capital to assets10.3999%3,527
Core capital (leverage) ratio10.8856%2,338
Tier 1 risk-based capital ratio12.8989%4,527
Total risk-based capital ratio14.1491%4,479
Memoranda:
Average total assets$84,778,0005,541
Average earning assets$75,009,0005,605
Average equity$9,300,0005,417
Average total loans$63,634,3305,029
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4021%3,025
Cost of funding earning assets1.3839%4,279
Net interest margin4.0182%2,797
Noninterest income to average assets1.1734%891
Noninterest expense to average assets3.6515%1,614
Loan and lease loss provision to assets0.0730%5,907
Net operating income to assets0.9689%2,304
Return on assets (ROA)1.3000%1,366
Pretax return on assets1.3000%2,047
Return on Equity (ROE)11.5223%1,636
Retained earnings to average equity (ytd only)11.5223%830
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.8008%2,929
Assets per employee ($millions)3.0038%6,210
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.4810%4,003
Loan loss allowance to noncurrent loans38.0870%5,817
Noncurrent assets plus other real estate owned to assets4.5930%1,463
Noncurrent loans to loans3.8884%2,032
Net loans and leases to total assets72.5087%2,327
Net loans and leases to deposits84.5072%2,853
Net loans and leases to core deposits90.5237%3,300
Total domestic deposits to total assets85.8018%3,259
Equity capital to assets11.3031%2,505
Core capital (leverage) ratio10.8803%2,308
Tier 1 risk-based capital ratio15.3650%2,937
Total risk-based capital ratio16.6172%2,883
Memoranda:
Average total assets$82,157,0005,697
Average earning assets$71,972,5005,777
Average equity$9,269,0005,465
Average total loans$59,937,5005,249
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0331%1,740
Cost of funding earning assets1.7507%4,249
Net interest margin4.2825%1,775
Noninterest income to average assets0.8156%2,327
Noninterest expense to average assets3.4011%2,677
Loan and lease loss provision to assets0.1883%5,838
Net operating income to assets1.0386%1,707
Return on assets (ROA)0.8638%2,368
Pretax return on assets0.8756%3,003
Return on Equity (ROE)8.1624%2,303
Retained earnings to average equity (ytd only)6.5722%1,131
Net charge-offs to loans0.0828%6,282
Credit loss provision to net charge-offs320.0000%1,020
Earnings coverage of net charge-offs (x)21.0800%1,010
Efficiency ratio73.1998%4,054
Assets per employee ($millions)3.3285%5,434
Cash dividends to net income (ytd only)*19.4823%3,671
Condition Ratios (%)
Loss allowance to loans1.4439%4,013
Loan loss allowance to noncurrent loans38.5879%5,854
Noncurrent assets plus other real estate owned to assets3.9429%1,677
Noncurrent loans to loans3.7418%2,004
Net loans and leases to total assets71.2830%2,930
Net loans and leases to deposits84.0777%3,253
Net loans and leases to core deposits109.6232%2,940
Total domestic deposits to total assets84.7822%3,664
Equity capital to assets11.2616%2,490
Core capital (leverage) ratio10.1750%2,921
Tier 1 risk-based capital ratio14.3575%3,286
Total risk-based capital ratio15.6115%3,235
Memoranda:
Average total assets$84,971,6005,562
Average earning assets$75,914,2005,606
Average equity$8,992,4005,609
Average total loans$60,361,0005,236
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0136%1,976
Cost of funding earning assets1.8421%4,187
Net interest margin4.1715%2,153
Noninterest income to average assets0.8367%2,255
Noninterest expense to average assets3.4140%2,537
Loan and lease loss provision to assets0.2498%4,953
Net operating income to assets0.9273%2,315
Return on assets (ROA)0.9273%2,384
Pretax return on assets0.9273%3,140
Return on Equity (ROE)8.9009%2,305
Retained earnings to average equity (ytd only)8.9009%871
Net charge-offs to loans0.0397%6,350
Credit loss provision to net charge-offs888.8889%428
Earnings coverage of net charge-offs (x)41.8879%725
Efficiency ratio74.3625%3,808
Assets per employee ($millions)3.2549%5,508
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.4005%3,939
Loan loss allowance to noncurrent loans37.5417%5,875
Noncurrent assets plus other real estate owned to assets4.0495%1,571
Noncurrent loans to loans3.7306%1,998
Net loans and leases to total assets74.9527%2,256
Net loans and leases to deposits90.8545%2,421
Net loans and leases to core deposits119.8711%2,257
Total domestic deposits to total assets82.4975%4,454
Equity capital to assets11.0767%2,947
Core capital (leverage) ratio10.0371%3,248
Tier 1 risk-based capital ratio13.5188%3,837
Total risk-based capital ratio14.7847%3,760
Memoranda:
Average total assets$85,411,5005,571
Average earning assets$76,868,5005,600
Average equity$8,897,7505,684
Average total loans$60,405,0005,268
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9553%2,362
Cost of funding earning assets1.9365%4,082
Net interest margin4.0188%2,623
Noninterest income to average assets0.8848%2,039
Noninterest expense to average assets3.4784%2,408
Loan and lease loss provision to assets0.1167%5,971
Net operating income to assets0.8941%2,477
Return on assets (ROA)0.8941%2,587
Pretax return on assets0.8941%3,362
Return on Equity (ROE)8.7653%2,441
Retained earnings to average equity (ytd only)8.7653%993
Net charge-offs to loans0.0609%5,648
Credit loss provision to net charge-offs277.7778%1,681
Earnings coverage of net charge-offs (x)24.0556%1,164
Efficiency ratio77.4831%3,420
Assets per employee ($millions)3.2945%5,339
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.2524%4,585
Loan loss allowance to noncurrent loans55.9406%4,673
Noncurrent assets plus other real estate owned to assets2.9794%2,136
Noncurrent loans to loans2.2387%3,204
Net loans and leases to total assets72.8145%3,001
Net loans and leases to deposits89.9118%2,846
Net loans and leases to core deposits117.0366%2,625
Total domestic deposits to total assets80.9844%5,089
Equity capital to assets10.5212%3,376
Core capital (leverage) ratio9.9396%3,359
Tier 1 risk-based capital ratio13.0140%4,140
Total risk-based capital ratio14.2276%4,083
Memoranda:
Average total assets$85,672,6705,591
Average earning assets$76,839,3305,640
Average equity$8,739,0005,767
Average total loans$59,096,0005,375
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8020%3,293
Cost of funding earning assets2.1136%3,586
Net interest margin3.6884%3,941
Noninterest income to average assets0.7796%2,429
Noninterest expense to average assets3.3987%2,362
Loan and lease loss provision to assets0.0467%6,385
Net operating income to assets0.6256%3,909
Return on assets (ROA)0.6256%4,091
Pretax return on assets0.6256%4,674
Return on Equity (ROE)6.2307%3,940
Retained earnings to average equity (ytd only)6.2307%2,535
Net charge-offs to loans0.0350%5,025
Credit loss provision to net charge-offs200.0000%2,207
Earnings coverage of net charge-offs (x)28.8000%1,092
Efficiency ratio83.4862%2,359
Assets per employee ($millions)3.0485%6,029
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2925%4,114
Loan loss allowance to noncurrent loans53.5389%4,992
Noncurrent assets plus other real estate owned to assets2.9582%1,910
Noncurrent loans to loans2.4141%2,729
Net loans and leases to total assets68.3576%4,055
Net loans and leases to deposits81.2126%4,417
Net loans and leases to core deposits104.0220%4,139
Total domestic deposits to total assets84.1712%3,625
Equity capital to assets10.2909%3,662
Core capital (leverage) ratio9.5794%3,896
Tier 1 risk-based capital ratio13.1426%4,088
Total risk-based capital ratio14.3621%4,021
Memoranda:
Average total assets$85,681,0005,618
Average earning assets$76,456,0005,678
Average equity$8,602,5005,844
Average total loans$57,063,5005,496
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9901%1,160
Cost of funding earning assets2.4968%4,222
Net interest margin4.4934%1,444
Noninterest income to average assets0.7115%3,043
Noninterest expense to average assets3.5335%2,308
Loan and lease loss provision to assets0.1770%5,125
Net operating income to assets1.0081%2,522
Return on assets (ROA)1.0081%2,406
Pretax return on assets1.0081%3,357
Return on Equity (ROE)9.3052%2,524
Retained earnings to average equity (ytd only)-10.9074%7,156
Net charge-offs to loans0.4012%2,807
Credit loss provision to net charge-offs61.6000%6,213
Earnings coverage of net charge-offs (x)4.1240%4,095
Efficiency ratio74.8843%3,416
Assets per employee ($millions)2.7744%6,622
Cash dividends to net income (ytd only)*217.2178%295
Condition Ratios (%)
Loss allowance to loans1.3796%3,309
Loan loss allowance to noncurrent loans78.0864%4,200
Noncurrent assets plus other real estate owned to assets2.1906%2,232
Noncurrent loans to loans1.7668%3,115
Net loans and leases to total assets63.0847%5,440
Net loans and leases to deposits76.5279%5,528
Net loans and leases to core deposits96.2737%5,229
Total domestic deposits to total assets82.4336%4,029
Equity capital to assets9.7913%4,302
Core capital (leverage) ratio9.2953%4,303
Tier 1 risk-based capital ratio13.5854%3,767
Total risk-based capital ratio14.8500%3,669
Memoranda:
Average total assets$86,996,6005,452
Average earning assets$77,580,6005,522
Average equity$9,424,8005,597
Average total loans$62,306,0005,165