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People's United Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8706%4,101
Cost of funding earning assets0.1411%4,056
Net interest margin2.7295%3,820
Noninterest income to average assets0.5491%2,366
Noninterest expense to average assets1.8305%4,087
Loan and lease loss provision to assets-0.0736%4,459
Net operating income to assets0.9959%2,691
Return on assets (ROA)0.9959%2,756
Pretax return on assets1.2468%2,529
Return on Equity (ROE)8.2198%3,152
Retained earnings to average equity (ytd only)2.5455%3,818
Net charge-offs to loans0.0811%990
Credit loss provision to net charge-offs-144.4584%3,442
Earnings coverage of net charge-offs (x)22.3674%1,798
Efficiency ratio59.0044%3,300
Assets per employee ($millions)11.9888%398
Cash dividends to net income (ytd only)*69.0316%770
Condition Ratios (%)
Loss allowance to loans0.9070%4,049
Loan loss allowance to noncurrent loans118.5224%3,226
Noncurrent assets plus other real estate owned to assets0.4519%1,461
Noncurrent loans to loans0.7652%1,326
Net loans and leases to total assets58.2341%2,352
Net loans and leases to deposits69.1536%2,208
Net loans and leases to core deposits72.2953%2,234
Total domestic deposits to total assets84.2097%3,504
Equity capital to assets12.0620%1,227
Core capital (leverage) ratio8.6398%3,787
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9768%2,256
Memoranda:
Average total assets$63,563,011,60043
Average earning assets$57,161,507,00044
Average equity$7,701,421,80040
Average total loans$41,114,165,60038
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9174%4,139
Cost of funding earning assets0.1497%4,111
Net interest margin2.7677%3,845
Noninterest income to average assets0.5516%2,404
Noninterest expense to average assets1.8652%4,021
Loan and lease loss provision to assets-0.0824%4,561
Net operating income to assets1.0056%2,886
Return on assets (ROA)1.0057%2,950
Pretax return on assets1.2544%2,760
Return on Equity (ROE)8.2910%3,319
Retained earnings to average equity (ytd only)3.1195%3,863
Net charge-offs to loans0.0967%752
Credit loss provision to net charge-offs-139.1290%3,290
Earnings coverage of net charge-offs (x)18.3113%1,789
Efficiency ratio59.4267%3,078
Assets per employee ($millions)11.7126%403
Cash dividends to net income (ytd only)*62.3752%788
Condition Ratios (%)
Loss allowance to loans0.8911%4,171
Loan loss allowance to noncurrent loans110.1178%3,300
Noncurrent assets plus other real estate owned to assets0.5067%1,504
Noncurrent loans to loans0.8092%1,407
Net loans and leases to total assets61.7530%2,037
Net loans and leases to deposits73.4369%1,910
Net loans and leases to core deposits77.1632%1,949
Total domestic deposits to total assets84.0898%3,439
Equity capital to assets12.1520%1,331
Core capital (leverage) ratio8.7735%3,785
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6253%2,497
Memoranda:
Average total assets$63,337,797,25044
Average earning assets$56,878,127,25044
Average equity$7,682,864,00041
Average total loans$41,921,820,50039
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9664%4,104
Cost of funding earning assets0.1612%4,110
Net interest margin2.8052%3,779
Noninterest income to average assets0.5444%2,429
Noninterest expense to average assets1.9050%3,951
Loan and lease loss provision to assets-0.1635%4,725
Net operating income to assets1.0466%2,732
Return on assets (ROA)1.0466%2,809
Pretax return on assets1.3204%2,582
Return on Equity (ROE)8.6333%3,218
Retained earnings to average equity (ytd only)5.2448%3,100
Net charge-offs to loans0.1066%711
Credit loss provision to net charge-offs-238.2385%3,253
Earnings coverage of net charge-offs (x)16.0819%1,612
Efficiency ratio60.1727%2,998
Assets per employee ($millions)11.2214%436
Cash dividends to net income (ytd only)*39.2499%1,651
Condition Ratios (%)
Loss allowance to loans0.8418%4,296
Loan loss allowance to noncurrent loans106.1860%3,280
Noncurrent assets plus other real estate owned to assets0.5279%1,572
Noncurrent loans to loans0.7928%1,536
Net loans and leases to total assets65.0047%1,828
Net loans and leases to deposits77.4350%1,684
Net loans and leases to core deposits81.5174%1,758
Total domestic deposits to total assets83.9474%3,459
Equity capital to assets12.3052%1,216
Core capital (leverage) ratio8.7771%3,716
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5390%2,531
Memoranda:
Average total assets$63,293,538,66744
Average earning assets$56,802,225,00044
Average equity$7,672,847,66741
Average total loans$42,713,309,33339
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9946%4,099
Cost of funding earning assets0.1807%4,075
Net interest margin2.8138%3,725
Noninterest income to average assets0.5350%2,459
Noninterest expense to average assets1.9189%3,940
Loan and lease loss provision to assets-0.0858%4,703
Net operating income to assets0.9737%2,890
Return on assets (ROA)0.9737%2,985
Pretax return on assets1.2276%2,767
Return on Equity (ROE)8.0926%3,296
Retained earnings to average equity (ytd only)8.0926%2,207
Net charge-offs to loans0.1148%616
Credit loss provision to net charge-offs-108.8353%2,845
Earnings coverage of net charge-offs (x)14.5369%1,361
Efficiency ratio60.4357%2,979
Assets per employee ($millions)11.0302%444
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.9322%4,070
Loan loss allowance to noncurrent loans112.5630%3,178
Noncurrent assets plus other real estate owned to assets0.5624%1,687
Noncurrent loans to loans0.8282%1,615
Net loans and leases to total assets66.3318%1,752
Net loans and leases to deposits78.9018%1,626
Net loans and leases to core deposits88.2854%1,343
Total domestic deposits to total assets84.0688%3,411
Equity capital to assets11.9744%1,300
Core capital (leverage) ratio8.6915%3,925
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4513%2,511
Memoranda:
Average total assets$63,402,696,00044
Average earning assets$56,910,646,50044
Average equity$7,628,495,00041
Average total loans$43,394,984,00038
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4538%4,110
Cost of funding earning assets0.4060%3,539
Net interest margin3.0479%3,761
Noninterest income to average assets0.7401%1,720
Noninterest expense to average assets1.9742%4,190
Loan and lease loss provision to assets0.2566%1,516
Net operating income to assets0.9785%2,361
Return on assets (ROA)0.9785%2,512
Pretax return on assets1.2002%2,321
Return on Equity (ROE)7.5597%2,976
Retained earnings to average equity (ytd only)1.2243%4,135
Net charge-offs to loans0.1116%1,359
Credit loss provision to net charge-offs313.2459%1,688
Earnings coverage of net charge-offs (x)17.7493%2,062
Efficiency ratio55.5847%4,035
Assets per employee ($millions)10.6425%440
Cash dividends to net income (ytd only)*83.8052%546
Condition Ratios (%)
Loss allowance to loans0.9666%3,987
Loan loss allowance to noncurrent loans128.7203%2,997
Noncurrent assets plus other real estate owned to assets0.5332%1,965
Noncurrent loans to loans0.7510%1,823
Net loans and leases to total assets68.8934%1,708
Net loans and leases to deposits82.9561%1,549
Net loans and leases to core deposits93.0934%1,301
Total domestic deposits to total assets83.0480%3,398
Equity capital to assets12.5811%1,280
Core capital (leverage) ratio8.7093%4,000
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7624%2,709
Memoranda:
Average total assets$60,728,141,40042
Average earning assets$53,616,272,40042
Average equity$7,860,605,20038
Average total loans$44,648,677,80036
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5742%4,078
Cost of funding earning assets0.4642%3,447
Net interest margin3.1100%3,713
Noninterest income to average assets0.6269%2,076
Noninterest expense to average assets2.0108%4,123
Loan and lease loss provision to assets0.3131%1,277
Net operating income to assets0.8478%2,915
Return on assets (ROA)0.8478%3,041
Pretax return on assets1.0433%2,928
Return on Equity (ROE)6.5016%3,370
Retained earnings to average equity (ytd only)0.4454%4,395
Net charge-offs to loans0.1083%1,253
Credit loss provision to net charge-offs388.2884%1,495
Earnings coverage of net charge-offs (x)16.7911%2,046
Efficiency ratio57.6660%3,714
Assets per employee ($millions)10.0770%495
Cash dividends to net income (ytd only)*93.1498%384
Condition Ratios (%)
Loss allowance to loans0.9361%3,950
Loan loss allowance to noncurrent loans138.3250%2,833
Noncurrent assets plus other real estate owned to assets0.5146%2,150
Noncurrent loans to loans0.6767%2,101
Net loans and leases to total assets74.0065%1,367
Net loans and leases to deposits89.6671%1,303
Net loans and leases to core deposits100.4822%1,128
Total domestic deposits to total assets82.5347%3,269
Equity capital to assets13.0167%1,177
Core capital (leverage) ratio8.6757%4,096
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3029%2,837
Memoranda:
Average total assets$60,106,062,00041
Average earning assets$52,960,893,00041
Average equity$7,837,421,50038
Average total loans$44,816,584,50036
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6854%4,117
Cost of funding earning assets0.5462%3,262
Net interest margin3.1393%3,811
Noninterest income to average assets0.6467%1,943
Noninterest expense to average assets2.0604%4,114
Loan and lease loss provision to assets0.3814%1,082
Net operating income to assets0.7747%3,137
Return on assets (ROA)0.7747%3,248
Pretax return on assets0.9729%3,103
Return on Equity (ROE)5.9374%3,530
Retained earnings to average equity (ytd only)-0.8653%4,455
Net charge-offs to loans0.0856%1,394
Credit loss provision to net charge-offs598.2154%1,114
Earnings coverage of net charge-offs (x)21.2410%1,659
Efficiency ratio58.2982%3,656
Assets per employee ($millions)10.0198%497
Cash dividends to net income (ytd only)*114.5737%353
Condition Ratios (%)
Loss allowance to loans0.9096%3,961
Loan loss allowance to noncurrent loans139.0832%2,716
Noncurrent assets plus other real estate owned to assets0.5057%2,323
Noncurrent loans to loans0.6540%2,226
Net loans and leases to total assets73.6069%1,459
Net loans and leases to deposits89.8264%1,370
Net loans and leases to core deposits102.7966%1,078
Total domestic deposits to total assets81.9435%3,389
Equity capital to assets12.7738%1,243
Core capital (leverage) ratio8.4648%4,425
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2309%2,905
Memoranda:
Average total assets$59,940,399,33341
Average earning assets$52,852,238,66741
Average equity$7,820,385,66738
Average total loans$44,664,123,33336
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8963%4,042
Cost of funding earning assets0.7482%2,680
Net interest margin3.1481%3,987
Noninterest income to average assets0.7695%1,396
Noninterest expense to average assets2.1445%4,128
Loan and lease loss provision to assets0.2258%1,374
Net operating income to assets0.9226%2,447
Return on assets (ROA)0.9226%2,554
Pretax return on assets1.1754%2,287
Return on Equity (ROE)6.9960%2,951
Retained earnings to average equity (ytd only)-0.0141%3,993
Net charge-offs to loans0.0955%1,115
Credit loss provision to net charge-offs316.9177%1,136
Earnings coverage of net charge-offs (x)19.6683%1,433
Efficiency ratio58.4499%3,945
Assets per employee ($millions)9.6393%426
Cash dividends to net income (ytd only)*100.2019%748
Condition Ratios (%)
Loss allowance to loans0.7712%4,470
Loan loss allowance to noncurrent loans143.2163%2,632
Noncurrent assets plus other real estate owned to assets0.4241%2,777
Noncurrent loans to loans0.5385%2,649
Net loans and leases to total assets73.0305%1,773
Net loans and leases to deposits97.7708%743
Net loans and leases to core deposits111.7019%772
Total domestic deposits to total assets74.6956%4,604
Equity capital to assets13.0129%1,420
Core capital (leverage) ratio8.9421%4,509
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9705%3,109
Memoranda:
Average total assets$59,275,182,50041
Average earning assets$52,270,337,50041
Average equity$7,817,259,50038
Average total loans$44,239,413,00035
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2141%3,777
Cost of funding earning assets0.9901%1,768
Net interest margin3.2240%4,138
Noninterest income to average assets0.7640%1,568
Noninterest expense to average assets2.2333%4,097
Loan and lease loss provision to assets0.0550%2,927
Net operating income to assets1.0571%2,630
Return on assets (ROA)1.0572%2,724
Pretax return on assets1.3247%2,416
Return on Equity (ROE)7.8210%3,238
Retained earnings to average equity (ytd only)1.2444%4,296
Net charge-offs to loans0.0574%2,281
Credit loss provision to net charge-offs128.0332%1,993
Earnings coverage of net charge-offs (x)32.1166%1,513
Efficiency ratio60.0625%3,679
Assets per employee ($millions)9.1778%473
Cash dividends to net income (ytd only)*84.0896%682
Condition Ratios (%)
Loss allowance to loans0.5582%4,807
Loan loss allowance to noncurrent loans109.5123%3,127
Noncurrent assets plus other real estate owned to assets0.4188%2,719
Noncurrent loans to loans0.5097%2,662
Net loans and leases to total assets75.2803%1,538
Net loans and leases to deposits99.7082%624
Net loans and leases to core deposits114.2284%663
Total domestic deposits to total assets75.5007%4,656
Equity capital to assets13.3689%1,339
Core capital (leverage) ratio9.2532%4,318
Tier 1 risk-based capital ratio10.8513%4,907
Total risk-based capital ratio12.1179%4,810
Memoranda:
Average total assets$51,403,954,80042
Average earning assets$45,422,640,40044
Average equity$6,948,804,40040
Average total loans$38,481,732,60037
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2776%3,727
Cost of funding earning assets1.0359%1,601
Net interest margin3.2417%4,204
Noninterest income to average assets0.7567%1,573
Noninterest expense to average assets2.2253%4,137
Loan and lease loss provision to assets0.0563%2,777
Net operating income to assets1.0702%2,687
Return on assets (ROA)1.0702%2,773
Pretax return on assets1.3375%2,536
Return on Equity (ROE)7.8916%3,359
Retained earnings to average equity (ytd only)1.4785%4,441
Net charge-offs to loans0.0553%2,043
Credit loss provision to net charge-offs136.4204%1,755
Earnings coverage of net charge-offs (x)33.7684%1,516
Efficiency ratio59.8027%3,682
Assets per employee ($millions)8.9190%502
Cash dividends to net income (ytd only)*81.2653%620
Condition Ratios (%)
Loss allowance to loans0.6333%4,761
Loan loss allowance to noncurrent loans140.1414%2,740
Noncurrent assets plus other real estate owned to assets0.3773%2,994
Noncurrent loans to loans0.4519%2,951
Net loans and leases to total assets74.4745%1,719
Net loans and leases to deposits98.9758%722
Net loans and leases to core deposits114.0505%748
Total domestic deposits to total assets75.2452%4,722
Equity capital to assets13.4580%1,382
Core capital (leverage) ratio8.8339%4,756
Tier 1 risk-based capital ratio10.8043%4,985
Total risk-based capital ratio12.2355%4,802
Memoranda:
Average total assets$49,669,071,00043
Average earning assets$43,858,199,00045
Average equity$6,736,036,75041
Average total loans$37,060,238,00039
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2828%3,682
Cost of funding earning assets1.0307%1,569
Net interest margin3.2521%4,235
Noninterest income to average assets0.7549%1,502
Noninterest expense to average assets2.2481%4,132
Loan and lease loss provision to assets0.0538%2,747
Net operating income to assets1.0532%2,710
Return on assets (ROA)1.0533%2,779
Pretax return on assets1.3299%2,442
Return on Equity (ROE)7.7454%3,407
Retained earnings to average equity (ytd only)1.9468%4,131
Net charge-offs to loans0.0524%1,894
Credit loss provision to net charge-offs137.6687%1,591
Earnings coverage of net charge-offs (x)35.4330%1,326
Efficiency ratio60.2506%3,684
Assets per employee ($millions)8.8199%504
Cash dividends to net income (ytd only)*74.8651%956
Condition Ratios (%)
Loss allowance to loans0.6319%4,820
Loan loss allowance to noncurrent loans125.4532%2,952
Noncurrent assets plus other real estate owned to assets0.3955%2,918
Noncurrent loans to loans0.5037%2,770
Net loans and leases to total assets74.6781%1,771
Net loans and leases to deposits96.3187%1,001
Net loans and leases to core deposits111.1231%910
Total domestic deposits to total assets77.5324%4,478
Equity capital to assets13.5203%1,310
Core capital (leverage) ratio8.8564%4,750
Tier 1 risk-based capital ratio10.9529%4,933
Total risk-based capital ratio12.4071%4,743
Memoranda:
Average total assets$48,952,318,00044
Average earning assets$43,301,581,33045
Average equity$6,656,764,33041
Average total loans$36,467,592,33039
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2327%3,772
Cost of funding earning assets0.9973%1,572
Net interest margin3.2354%4,317
Noninterest income to average assets0.7356%1,477
Noninterest expense to average assets2.2907%4,048
Loan and lease loss provision to assets0.0468%2,714
Net operating income to assets1.0008%2,835
Return on assets (ROA)1.0009%2,875
Pretax return on assets1.2601%2,591
Return on Equity (ROE)7.3376%3,528
Retained earnings to average equity (ytd only)0.9495%4,320
Net charge-offs to loans0.0574%1,468
Credit loss provision to net charge-offs109.8367%1,497
Earnings coverage of net charge-offs (x)30.6837%1,318
Efficiency ratio62.1158%3,517
Assets per employee ($millions)8.3852%584
Cash dividends to net income (ytd only)*87.0599%796
Condition Ratios (%)
Loss allowance to loans0.6777%4,817
Loan loss allowance to noncurrent loans128.1613%2,950
Noncurrent assets plus other real estate owned to assets0.4156%2,925
Noncurrent loans to loans0.5288%2,730
Net loans and leases to total assets73.7329%1,859
Net loans and leases to deposits94.7402%1,082
Net loans and leases to core deposits108.4407%1,030
Total domestic deposits to total assets77.8265%4,547
Equity capital to assets13.6569%1,151
Core capital (leverage) ratio9.0153%4,644
Tier 1 risk-based capital ratio11.1641%4,901
Total risk-based capital ratio12.9302%4,525
Memoranda:
Average total assets$47,740,567,00046
Average earning assets$42,229,589,50046
Average equity$6,512,062,00042
Average total loans$35,396,155,50040
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9682%4,116
Cost of funding earning assets0.7560%1,753
Net interest margin3.2123%4,462
Noninterest income to average assets0.7749%1,546
Noninterest expense to average assets2.2053%4,327
Loan and lease loss provision to assets0.0670%2,815
Net operating income to assets1.1096%2,554
Return on assets (ROA)1.0917%2,630
Pretax return on assets1.3449%2,341
Return on Equity (ROE)8.2174%3,348
Retained earnings to average equity (ytd only)2.4673%4,155
Net charge-offs to loans0.0729%2,077
Credit loss provision to net charge-offs124.8200%2,104
Earnings coverage of net charge-offs (x)26.7169%1,715
Efficiency ratio59.2563%3,976
Assets per employee ($millions)8.2441%607
Cash dividends to net income (ytd only)*69.9744%1,083
Condition Ratios (%)
Loss allowance to loans0.6819%4,838
Loan loss allowance to noncurrent loans111.2615%3,257
Noncurrent assets plus other real estate owned to assets0.4836%2,638
Noncurrent loans to loans0.6129%2,447
Net loans and leases to total assets73.5439%2,003
Net loans and leases to deposits95.9738%1,073
Net loans and leases to core deposits110.0822%993
Total domestic deposits to total assets76.6292%4,684
Equity capital to assets13.6240%1,098
Core capital (leverage) ratio9.0304%4,626
Tier 1 risk-based capital ratio11.3614%4,790
Total risk-based capital ratio13.1540%4,378
Memoranda:
Average total assets$44,768,673,60047
Average earning assets$39,919,799,00047
Average equity$5,947,753,00042
Average total loans$32,965,330,60040
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8802%4,256
Cost of funding earning assets0.7019%1,838
Net interest margin3.1783%4,556
Noninterest income to average assets0.7735%1,566
Noninterest expense to average assets2.2064%4,310
Loan and lease loss provision to assets0.0609%2,762
Net operating income to assets1.0548%2,852
Return on assets (ROA)1.0551%2,861
Pretax return on assets1.3456%2,446
Return on Equity (ROE)7.9967%3,552
Retained earnings to average equity (ytd only)2.2400%4,484
Net charge-offs to loans0.0681%1,859
Credit loss provision to net charge-offs121.5347%1,969
Earnings coverage of net charge-offs (x)28.0756%1,681
Efficiency ratio59.8246%3,837
Assets per employee ($millions)8.0215%649
Cash dividends to net income (ytd only)*71.9880%792
Condition Ratios (%)
Loss allowance to loans0.7378%4,791
Loan loss allowance to noncurrent loans126.0822%3,058
Noncurrent assets plus other real estate owned to assets0.4599%2,849
Noncurrent loans to loans0.5851%2,623
Net loans and leases to total assets72.9551%2,175
Net loans and leases to deposits95.6340%1,196
Net loans and leases to core deposits110.0748%1,028
Total domestic deposits to total assets76.2858%4,757
Equity capital to assets13.5614%1,117
Core capital (leverage) ratio9.1977%4,513
Tier 1 risk-based capital ratio11.6387%4,716
Total risk-based capital ratio13.5724%4,192
Memoranda:
Average total assets$44,060,442,00047
Average earning assets$39,355,501,25047
Average equity$5,813,378,50042
Average total loans$32,394,549,25040
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8032%4,343
Cost of funding earning assets0.6510%1,924
Net interest margin3.1523%4,612
Noninterest income to average assets0.7713%1,566
Noninterest expense to average assets2.2209%4,318
Loan and lease loss provision to assets0.0541%2,826
Net operating income to assets1.0288%2,898
Return on assets (ROA)1.0290%2,899
Pretax return on assets1.3123%2,460
Return on Equity (ROE)7.8719%3,554
Retained earnings to average equity (ytd only)2.1154%4,424
Net charge-offs to loans0.0590%1,761
Credit loss provision to net charge-offs124.6970%1,764
Earnings coverage of net charge-offs (x)31.4814%1,454
Efficiency ratio60.6487%3,828
Assets per employee ($millions)8.1754%591
Cash dividends to net income (ytd only)*73.1278%897
Condition Ratios (%)
Loss allowance to loans0.7275%4,871
Loan loss allowance to noncurrent loans121.9439%3,116
Noncurrent assets plus other real estate owned to assets0.4723%2,867
Noncurrent loans to loans0.5965%2,628
Net loans and leases to total assets72.9318%2,131
Net loans and leases to deposits98.7586%902
Net loans and leases to core deposits112.1242%878
Total domestic deposits to total assets73.8486%5,057
Equity capital to assets13.3641%1,154
Core capital (leverage) ratio9.1209%4,557
Tier 1 risk-based capital ratio11.4342%4,814
Total risk-based capital ratio13.3536%4,312
Memoranda:
Average total assets$44,118,700,33047
Average earning assets$39,406,810,33047
Average equity$5,767,338,33042
Average total loans$32,441,126,00039
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7267%4,414
Cost of funding earning assets0.5969%2,076
Net interest margin3.1299%4,645
Noninterest income to average assets0.7659%1,560
Noninterest expense to average assets2.2145%4,381
Loan and lease loss provision to assets0.0488%2,803
Net operating income to assets1.0222%2,768
Return on assets (ROA)1.0226%2,788
Pretax return on assets1.3003%2,366
Return on Equity (ROE)7.9116%3,413
Retained earnings to average equity (ytd only)2.1478%4,305
Net charge-offs to loans0.0557%1,551
Credit loss provision to net charge-offs119.1702%1,382
Earnings coverage of net charge-offs (x)32.9348%1,189
Efficiency ratio60.8504%3,957
Assets per employee ($millions)8.1094%603
Cash dividends to net income (ytd only)*72.8526%962
Condition Ratios (%)
Loss allowance to loans0.7318%4,960
Loan loss allowance to noncurrent loans127.5661%3,017
Noncurrent assets plus other real estate owned to assets0.4602%3,004
Noncurrent loans to loans0.5736%2,821
Net loans and leases to total assets72.7735%2,051
Net loans and leases to deposits95.7745%1,058
Net loans and leases to core deposits107.5890%1,150
Total domestic deposits to total assets75.9842%4,966
Equity capital to assets12.9757%1,258
Core capital (leverage) ratio8.6234%5,044
Tier 1 risk-based capital ratio10.9608%5,151
Total risk-based capital ratio12.9069%4,660
Memoranda:
Average total assets$44,026,926,50047
Average earning assets$39,348,246,00048
Average equity$5,690,715,00043
Average total loans$32,388,082,00040
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5176%4,763
Cost of funding earning assets0.4851%2,457
Net interest margin3.0325%4,820
Noninterest income to average assets0.9003%1,268
Noninterest expense to average assets2.3512%4,204
Loan and lease loss provision to assets0.0615%3,000
Net operating income to assets0.8641%2,896
Return on assets (ROA)0.8228%3,108
Pretax return on assets1.1435%3,007
Return on Equity (ROE)6.3634%3,598
Retained earnings to average equity (ytd only)1.0084%4,627
Net charge-offs to loans0.0667%2,515
Credit loss provision to net charge-offs124.4820%2,109
Earnings coverage of net charge-offs (x)25.5375%1,708
Efficiency ratio63.0943%3,759
Assets per employee ($millions)8.5655%521
Cash dividends to net income (ytd only)*84.1533%692
Condition Ratios (%)
Loss allowance to loans0.7185%5,035
Loan loss allowance to noncurrent loans131.7163%3,050
Noncurrent assets plus other real estate owned to assets0.4409%3,105
Noncurrent loans to loans0.5455%2,865
Net loans and leases to total assets73.2863%2,049
Net loans and leases to deposits96.8306%1,011
Net loans and leases to core deposits109.4431%1,037
Total domestic deposits to total assets75.6850%5,016
Equity capital to assets12.8757%1,327
Core capital (leverage) ratio8.5220%5,119
Tier 1 risk-based capital ratio10.6709%5,307
Total risk-based capital ratio12.5885%4,835
Memoranda:
Average total assets$42,172,489,00047
Average earning assets$37,735,362,20048
Average equity$5,452,882,20043
Average total loans$31,268,556,60039
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4696%4,865
Cost of funding earning assets0.4625%2,595
Net interest margin3.0071%4,900
Noninterest income to average assets0.8995%1,272
Noninterest expense to average assets2.3838%4,060
Loan and lease loss provision to assets0.0592%2,895
Net operating income to assets0.7914%3,557
Return on assets (ROA)0.7570%3,768
Pretax return on assets1.0988%3,305
Return on Equity (ROE)5.8478%4,189
Retained earnings to average equity (ytd only)0.8295%5,030
Net charge-offs to loans0.0619%2,230
Credit loss provision to net charge-offs128.9138%1,905
Earnings coverage of net charge-offs (x)26.2996%1,688
Efficiency ratio64.3982%3,467
Assets per employee ($millions)8.4357%532
Cash dividends to net income (ytd only)*85.8155%514
Condition Ratios (%)
Loss allowance to loans0.7201%5,095
Loan loss allowance to noncurrent loans115.9046%3,283
Noncurrent assets plus other real estate owned to assets0.4866%3,107
Noncurrent loans to loans0.6212%2,848
Net loans and leases to total assets73.7315%1,958
Net loans and leases to deposits98.0855%906
Net loans and leases to core deposits110.9057%982
Total domestic deposits to total assets75.1706%5,115
Equity capital to assets13.0006%1,391
Core capital (leverage) ratio8.6038%5,158
Tier 1 risk-based capital ratio10.6375%5,402
Total risk-based capital ratio12.5650%4,952
Memoranda:
Average total assets$41,666,121,50047
Average earning assets$37,302,614,50047
Average equity$5,393,398,75043
Average total loans$30,929,335,25040
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4116%4,956
Cost of funding earning assets0.4323%2,782
Net interest margin2.9793%4,955
Noninterest income to average assets0.9111%1,242
Noninterest expense to average assets2.4340%3,960
Loan and lease loss provision to assets0.0559%2,853
Net operating income to assets0.7449%3,651
Return on assets (ROA)0.6931%3,941
Pretax return on assets1.0145%3,505
Return on Equity (ROE)5.3627%4,327
Retained earnings to average equity (ytd only)0.4565%4,983
Net charge-offs to loans0.0603%2,065
Credit loss provision to net charge-offs124.8883%1,738
Earnings coverage of net charge-offs (x)25.6167%1,601
Efficiency ratio66.0449%3,345
Assets per employee ($millions)8.1609%582
Cash dividends to net income (ytd only)*91.4881%599
Condition Ratios (%)
Loss allowance to loans0.7310%5,132
Loan loss allowance to noncurrent loans112.9570%3,347
Noncurrent assets plus other real estate owned to assets0.5059%3,077
Noncurrent loans to loans0.6471%2,795
Net loans and leases to total assets73.6414%1,939
Net loans and leases to deposits98.0803%888
Net loans and leases to core deposits110.0351%999
Total domestic deposits to total assets75.0828%5,194
Equity capital to assets13.2190%1,270
Core capital (leverage) ratio8.9879%4,740
Tier 1 risk-based capital ratio11.3124%5,079
Total risk-based capital ratio13.2902%4,489
Memoranda:
Average total assets$41,003,171,33048
Average earning assets$36,741,164,67047
Average equity$5,299,402,00044
Average total loans$30,432,145,33040
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2880%5,126
Cost of funding earning assets0.4100%2,905
Net interest margin2.8780%5,124
Noninterest income to average assets0.9089%1,211
Noninterest expense to average assets2.3620%4,222
Loan and lease loss provision to assets0.0442%2,914
Net operating income to assets0.7518%3,469
Return on assets (ROA)0.6437%3,994
Pretax return on assets0.9295%3,663
Return on Equity (ROE)5.0419%4,372
Retained earnings to average equity (ytd only)-0.3419%4,971
Net charge-offs to loans0.0327%2,119
Credit loss provision to net charge-offs182.1018%1,078
Earnings coverage of net charge-offs (x)46.5780%939
Efficiency ratio65.8455%3,524
Assets per employee ($millions)7.9730%631
Cash dividends to net income (ytd only)*106.7814%640
Condition Ratios (%)
Loss allowance to loans0.7776%5,115
Loan loss allowance to noncurrent loans126.3794%3,176
Noncurrent assets plus other real estate owned to assets0.4949%3,249
Noncurrent loans to loans0.6153%2,980
Net loans and leases to total assets73.7554%1,785
Net loans and leases to deposits95.9407%939
Net loans and leases to core deposits108.1127%970
Total domestic deposits to total assets76.8760%5,130
Equity capital to assets12.8288%1,339
Core capital (leverage) ratio8.8938%4,848
Tier 1 risk-based capital ratio11.2812%5,149
Total risk-based capital ratio13.3790%4,530
Memoranda:
Average total assets$40,151,856,00047
Average earning assets$36,042,367,00048
Average equity$5,126,472,00045
Average total loans$29,807,848,50041
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2343%5,253
Cost of funding earning assets0.3767%3,238
Net interest margin2.8576%5,202
Noninterest income to average assets0.9378%1,301
Noninterest expense to average assets2.3267%4,498
Loan and lease loss provision to assets0.0926%2,507
Net operating income to assets0.7410%3,584
Return on assets (ROA)0.7307%3,752
Pretax return on assets1.0682%3,227
Return on Equity (ROE)5.8552%4,050
Retained earnings to average equity (ytd only)0.3619%5,173
Net charge-offs to loans0.0630%2,797
Credit loss provision to net charge-offs199.5365%1,424
Earnings coverage of net charge-offs (x)25.3433%1,593
Efficiency ratio64.7256%3,812
Assets per employee ($millions)8.0915%585
Cash dividends to net income (ytd only)*93.8200%482
Condition Ratios (%)
Loss allowance to loans0.7676%5,191
Loan loss allowance to noncurrent loans125.6994%3,173
Noncurrent assets plus other real estate owned to assets0.4829%3,333
Noncurrent loans to loans0.6107%3,018
Net loans and leases to total assets73.5737%1,917
Net loans and leases to deposits98.2144%810
Net loans and leases to core deposits110.1050%895
Total domestic deposits to total assets74.9113%5,363
Equity capital to assets12.7071%1,396
Core capital (leverage) ratio8.9279%4,826
Tier 1 risk-based capital ratio11.2516%5,188
Total risk-based capital ratio13.3231%4,563
Memoranda:
Average total assets$39,528,404,00047
Average earning assets$35,477,546,40047
Average equity$4,933,197,40045
Average total loans$29,100,157,60041
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2425%5,295
Cost of funding earning assets0.3769%3,260
Net interest margin2.8655%5,238
Noninterest income to average assets0.9452%1,263
Noninterest expense to average assets2.3380%4,437
Loan and lease loss provision to assets0.0981%2,263
Net operating income to assets0.7294%3,696
Return on assets (ROA)0.7296%3,829
Pretax return on assets1.0811%3,311
Return on Equity (ROE)5.8732%4,135
Retained earnings to average equity (ytd only)0.4435%5,242
Net charge-offs to loans0.0633%2,447
Credit loss provision to net charge-offs210.9751%1,389
Earnings coverage of net charge-offs (x)25.3510%1,639
Efficiency ratio64.7928%3,793
Assets per employee ($millions)8.0817%572
Cash dividends to net income (ytd only)*92.4481%498
Condition Ratios (%)
Loss allowance to loans0.7682%5,277
Loan loss allowance to noncurrent loans120.0263%3,239
Noncurrent assets plus other real estate owned to assets0.5155%3,395
Noncurrent loans to loans0.6400%3,101
Net loans and leases to total assets72.5648%2,103
Net loans and leases to deposits98.1120%841
Net loans and leases to core deposits110.1201%902
Total domestic deposits to total assets73.9611%5,435
Equity capital to assets12.3712%1,858
Core capital (leverage) ratio8.5792%5,284
Tier 1 risk-based capital ratio10.7742%5,487
Total risk-based capital ratio12.8399%4,943
Memoranda:
Average total assets$39,338,642,50047
Average earning assets$35,306,285,75047
Average equity$4,886,657,75044
Average total loans$28,907,633,50041
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2547%5,358
Cost of funding earning assets0.3782%3,268
Net interest margin2.8764%5,303
Noninterest income to average assets0.9387%1,267
Noninterest expense to average assets2.3451%4,484
Loan and lease loss provision to assets0.1051%2,102
Net operating income to assets0.7119%3,736
Return on assets (ROA)0.7121%3,888
Pretax return on assets1.0696%3,326
Return on Equity (ROE)5.7246%4,180
Retained earnings to average equity (ytd only)0.3688%5,194
Net charge-offs to loans0.0776%2,085
Credit loss provision to net charge-offs184.0585%1,380
Earnings coverage of net charge-offs (x)20.5593%1,722
Efficiency ratio64.9359%3,856
Assets per employee ($millions)7.9680%574
Cash dividends to net income (ytd only)*93.5575%621
Condition Ratios (%)
Loss allowance to loans0.7566%5,384
Loan loss allowance to noncurrent loans112.7346%3,459
Noncurrent assets plus other real estate owned to assets0.5248%3,457
Noncurrent loans to loans0.6712%3,056
Net loans and leases to total assets72.7548%2,047
Net loans and leases to deposits99.3275%753
Net loans and leases to core deposits111.8406%819
Total domestic deposits to total assets73.2474%5,587
Equity capital to assets12.5124%1,762
Core capital (leverage) ratio8.7364%5,128
Tier 1 risk-based capital ratio10.7882%5,531
Total risk-based capital ratio12.8470%4,991
Memoranda:
Average total assets$39,025,199,33048
Average earning assets$35,016,365,00048
Average equity$4,854,548,00044
Average total loans$28,725,308,67041
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2711%5,376
Cost of funding earning assets0.3842%3,255
Net interest margin2.8869%5,345
Noninterest income to average assets0.9435%1,198
Noninterest expense to average assets2.3976%4,380
Loan and lease loss provision to assets0.1087%1,905
Net operating income to assets0.6753%3,848
Return on assets (ROA)0.6754%3,965
Pretax return on assets1.0303%3,360
Return on Equity (ROE)5.4462%4,256
Retained earnings to average equity (ytd only)-0.2254%5,149
Net charge-offs to loans0.0852%1,647
Credit loss provision to net charge-offs172.9681%1,184
Earnings coverage of net charge-offs (x)18.1134%1,550
Efficiency ratio66.1015%3,785
Assets per employee ($millions)7.7684%616
Cash dividends to net income (ytd only)*104.1395%664
Condition Ratios (%)
Loss allowance to loans0.7543%5,479
Loan loss allowance to noncurrent loans103.1509%3,562
Noncurrent assets plus other real estate owned to assets0.5722%3,347
Noncurrent loans to loans0.7312%3,008
Net loans and leases to total assets72.9075%1,895
Net loans and leases to deposits97.0519%840
Net loans and leases to core deposits109.4976%877
Total domestic deposits to total assets75.1222%5,510
Equity capital to assets12.7088%1,556
Core capital (leverage) ratio8.8412%5,033
Tier 1 risk-based capital ratio10.8785%5,565
Total risk-based capital ratio12.9488%5,018
Memoranda:
Average total assets$38,669,503,50047
Average earning assets$34,730,171,00048
Average equity$4,795,825,50044
Average total loans$28,522,613,00040
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3387%5,278
Cost of funding earning assets0.3599%3,584
Net interest margin2.9788%5,185
Noninterest income to average assets1.0194%1,136
Noninterest expense to average assets2.4969%4,237
Loan and lease loss provision to assets0.0908%2,485
Net operating income to assets0.7329%3,660
Return on assets (ROA)0.7330%3,750
Pretax return on assets1.1015%3,056
Return on Equity (ROE)5.8095%4,128
Retained earnings to average equity (ytd only)0.5344%5,307
Net charge-offs to loans0.0752%2,752
Credit loss provision to net charge-offs161.6169%1,665
Earnings coverage of net charge-offs (x)21.2175%1,824
Efficiency ratio65.9243%3,917
Assets per employee ($millions)7.8263%611
Cash dividends to net income (ytd only)*90.8006%590
Condition Ratios (%)
Loss allowance to loans0.7411%5,557
Loan loss allowance to noncurrent loans104.0585%3,599
Noncurrent assets plus other real estate owned to assets0.5604%3,411
Noncurrent loans to loans0.7122%3,051
Net loans and leases to total assets73.5129%1,804
Net loans and leases to deposits98.8297%757
Net loans and leases to core deposits111.8824%783
Total domestic deposits to total assets74.3833%5,612
Equity capital to assets12.0918%1,888
Core capital (leverage) ratio8.4162%5,510
Tier 1 risk-based capital ratio10.1710%5,905
Total risk-based capital ratio12.5799%5,251
Memoranda:
Average total assets$36,808,252,20046
Average earning assets$32,986,780,20046
Average equity$4,644,485,20043
Average total loans$27,513,408,80039
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3590%5,295
Cost of funding earning assets0.3596%3,655
Net interest margin2.9994%5,190
Noninterest income to average assets1.0085%1,167
Noninterest expense to average assets2.5236%4,124
Loan and lease loss provision to assets0.0866%2,430
Net operating income to assets0.7189%3,824
Return on assets (ROA)0.7189%3,926
Pretax return on assets1.0838%3,297
Return on Equity (ROE)5.6356%4,342
Retained earnings to average equity (ytd only)0.5244%5,468
Net charge-offs to loans0.0707%2,554
Credit loss provision to net charge-offs163.5232%1,575
Earnings coverage of net charge-offs (x)22.0886%1,799
Efficiency ratio66.5489%3,795
Assets per employee ($millions)7.4612%700
Cash dividends to net income (ytd only)*90.6946%510
Condition Ratios (%)
Loss allowance to loans0.7479%5,629
Loan loss allowance to noncurrent loans88.3600%3,948
Noncurrent assets plus other real estate owned to assets0.6853%3,195
Noncurrent loans to loans0.8464%2,853
Net loans and leases to total assets74.3614%1,667
Net loans and leases to deposits97.3094%877
Net loans and leases to core deposits110.9312%825
Total domestic deposits to total assets76.4175%5,428
Equity capital to assets12.6089%1,685
Core capital (leverage) ratio8.5429%5,520
Tier 1 risk-based capital ratio10.3780%5,929
Total risk-based capital ratio12.8301%5,257
Memoranda:
Average total assets$36,397,711,25045
Average earning assets$32,588,003,75045
Average equity$4,643,265,75042
Average total loans$27,272,499,00038
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3527%5,329
Cost of funding earning assets0.3537%3,768
Net interest margin2.9991%5,221
Noninterest income to average assets0.9937%1,195
Noninterest expense to average assets2.5403%4,101
Loan and lease loss provision to assets0.0965%2,209
Net operating income to assets0.6851%3,960
Return on assets (ROA)0.6851%4,073
Pretax return on assets1.0414%3,408
Return on Equity (ROE)5.3493%4,457
Retained earnings to average equity (ytd only)0.2141%5,438
Net charge-offs to loans0.0767%2,292
Credit loss provision to net charge-offs167.9623%1,420
Earnings coverage of net charge-offs (x)19.8076%1,735
Efficiency ratio67.2766%3,792
Assets per employee ($millions)7.3864%705
Cash dividends to net income (ytd only)*95.9972%586
Condition Ratios (%)
Loss allowance to loans0.7429%5,726
Loan loss allowance to noncurrent loans84.4750%4,084
Noncurrent assets plus other real estate owned to assets0.7309%3,188
Noncurrent loans to loans0.8795%2,930
Net loans and leases to total assets74.6786%1,554
Net loans and leases to deposits99.9359%664
Net loans and leases to core deposits114.0970%662
Total domestic deposits to total assets74.7265%5,730
Equity capital to assets12.6180%1,590
Core capital (leverage) ratio8.6404%5,383
Tier 1 risk-based capital ratio10.4224%5,949
Total risk-based capital ratio12.8932%5,295
Memoranda:
Average total assets$36,186,939,00045
Average earning assets$32,390,761,00045
Average equity$4,634,663,00042
Average total loans$27,115,490,00038
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3751%5,263
Cost of funding earning assets0.3446%3,932
Net interest margin3.0305%5,124
Noninterest income to average assets1.0164%1,081
Noninterest expense to average assets2.5920%3,968
Loan and lease loss provision to assets0.1088%1,888
Net operating income to assets0.6779%3,903
Return on assets (ROA)0.6779%4,026
Pretax return on assets1.0280%3,390
Return on Equity (ROE)5.2530%4,400
Retained earnings to average equity (ytd only)-0.0987%5,397
Net charge-offs to loans0.1063%1,676
Credit loss provision to net charge-offs136.9306%1,329
Earnings coverage of net charge-offs (x)14.3039%1,680
Efficiency ratio67.7340%3,873
Assets per employee ($millions)7.0813%826
Cash dividends to net income (ytd only)*101.8782%662
Condition Ratios (%)
Loss allowance to loans0.7429%5,825
Loan loss allowance to noncurrent loans77.0458%4,247
Noncurrent assets plus other real estate owned to assets0.7970%3,120
Noncurrent loans to loans0.9642%2,846
Net loans and leases to total assets74.4374%1,433
Net loans and leases to deposits98.8040%632
Net loans and leases to core deposits112.6576%623
Total domestic deposits to total assets75.3385%5,801
Equity capital to assets12.8925%1,454
Core capital (leverage) ratio8.8014%5,201
Tier 1 risk-based capital ratio10.5878%5,985
Total risk-based capital ratio13.0925%5,234
Memoranda:
Average total assets$35,910,417,50046
Average earning assets$32,140,926,00045
Average equity$4,634,074,50042
Average total loans$26,852,102,50038
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5027%5,309
Cost of funding earning assets0.3335%4,450
Net interest margin3.1692%5,017
Noninterest income to average assets1.0865%1,031
Noninterest expense to average assets2.6169%4,156
Loan and lease loss provision to assets0.1195%2,183
Net operating income to assets0.7716%3,510
Return on assets (ROA)0.7729%3,602
Pretax return on assets1.1694%2,783
Return on Equity (ROE)5.6703%4,320
Retained earnings to average equity (ytd only)0.3992%5,595
Net charge-offs to loans0.1184%2,859
Credit loss provision to net charge-offs134.6067%1,754
Earnings coverage of net charge-offs (x)14.4947%2,159
Efficiency ratio65.1630%4,381
Assets per employee ($millions)6.9523%868
Cash dividends to net income (ytd only)*92.9595%508
Condition Ratios (%)
Loss allowance to loans0.7439%5,895
Loan loss allowance to noncurrent loans64.6873%4,672
Noncurrent assets plus other real estate owned to assets0.9261%2,901
Noncurrent loans to loans1.1500%2,542
Net loans and leases to total assets73.9994%1,582
Net loans and leases to deposits101.1974%558
Net loans and leases to core deposits116.0016%528
Total domestic deposits to total assets73.1238%6,007
Equity capital to assets12.9167%1,407
Core capital (leverage) ratio8.4702%5,582
Tier 1 risk-based capital ratio10.4955%6,104
Total risk-based capital ratio13.0481%5,402
Memoranda:
Average total assets$33,961,422,20045
Average earning assets$30,192,328,20046
Average equity$4,628,997,00042
Average total loans$25,467,873,60038
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5467%5,282
Cost of funding earning assets0.3304%4,558
Net interest margin3.2163%4,908
Noninterest income to average assets1.1231%962
Noninterest expense to average assets2.6671%3,954
Loan and lease loss provision to assets0.1219%2,048
Net operating income to assets0.7830%3,498
Return on assets (ROA)0.7837%3,602
Pretax return on assets1.1882%2,830
Return on Equity (ROE)5.6709%4,411
Retained earnings to average equity (ytd only)0.4605%5,679
Net charge-offs to loans0.1146%2,655
Credit loss provision to net charge-offs141.6921%1,665
Earnings coverage of net charge-offs (x)15.2110%2,071
Efficiency ratio65.2185%4,331
Assets per employee ($millions)6.7286%899
Cash dividends to net income (ytd only)*91.8796%482
Condition Ratios (%)
Loss allowance to loans0.7562%5,974
Loan loss allowance to noncurrent loans61.8407%4,720
Noncurrent assets plus other real estate owned to assets1.0049%2,946
Noncurrent loans to loans1.2229%2,603
Net loans and leases to total assets74.8252%1,391
Net loans and leases to deposits102.2124%493
Net loans and leases to core deposits115.4756%530
Total domestic deposits to total assets73.2056%6,076
Equity capital to assets13.4833%1,188
Core capital (leverage) ratio8.7613%5,378
Tier 1 risk-based capital ratio10.6525%6,152
Total risk-based capital ratio13.2494%5,405
Memoranda:
Average total assets$33,512,842,25046
Average earning assets$29,726,493,00046
Average equity$4,631,635,00043
Average total loans$25,170,505,50039
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5766%5,214
Cost of funding earning assets0.3257%4,694
Net interest margin3.2509%4,778
Noninterest income to average assets1.1695%851
Noninterest expense to average assets2.7220%3,789
Loan and lease loss provision to assets0.1097%2,189
Net operating income to assets0.7855%3,400
Return on assets (ROA)0.7860%3,499
Pretax return on assets1.2159%2,593
Return on Equity (ROE)5.6396%4,363
Retained earnings to average equity (ytd only)0.7948%5,430
Net charge-offs to loans0.1082%2,592
Credit loss provision to net charge-offs135.2002%1,566
Earnings coverage of net charge-offs (x)16.3220%1,801
Efficiency ratio65.4158%4,458
Assets per employee ($millions)6.5710%977
Cash dividends to net income (ytd only)*85.9060%774
Condition Ratios (%)
Loss allowance to loans0.7549%6,078
Loan loss allowance to noncurrent loans59.4443%4,835
Noncurrent assets plus other real estate owned to assets1.0484%2,971
Noncurrent loans to loans1.2700%2,684
Net loans and leases to total assets75.2295%1,277
Net loans and leases to deposits105.0186%335
Net loans and leases to core deposits114.1930%530
Total domestic deposits to total assets71.6344%6,277
Equity capital to assets13.8260%1,042
Core capital (leverage) ratio8.9802%5,048
Tier 1 risk-based capital ratio10.7755%6,142
Total risk-based capital ratio13.4652%5,329
Memoranda:
Average total assets$33,173,417,00046
Average earning assets$29,360,067,33046
Average equity$4,623,534,00043
Average total loans$24,882,385,00039
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6015%5,164
Cost of funding earning assets0.3268%4,772
Net interest margin3.2748%4,645
Noninterest income to average assets1.0731%971
Noninterest expense to average assets2.8092%3,529
Loan and lease loss provision to assets0.1146%2,042
Net operating income to assets0.6881%3,751
Return on assets (ROA)0.6892%3,819
Pretax return on assets1.0492%3,139
Return on Equity (ROE)4.9249%4,588
Retained earnings to average equity (ytd only)-0.1960%5,593
Net charge-offs to loans0.1140%2,038
Credit loss provision to net charge-offs134.8193%1,350
Earnings coverage of net charge-offs (x)13.6708%1,657
Efficiency ratio68.8391%4,036
Assets per employee ($millions)6.3752%1,069
Cash dividends to net income (ytd only)*103.9794%631
Condition Ratios (%)
Loss allowance to loans0.7711%6,158
Loan loss allowance to noncurrent loans53.4920%5,061
Noncurrent assets plus other real estate owned to assets1.1833%2,892
Noncurrent loans to loans1.4414%2,625
Net loans and leases to total assets74.4618%1,197
Net loans and leases to deposits103.3938%313
Net loans and leases to core deposits109.4586%609
Total domestic deposits to total assets72.0177%6,359
Equity capital to assets14.0412%905
Core capital (leverage) ratio9.1031%4,864
Tier 1 risk-based capital ratio11.0013%6,153
Total risk-based capital ratio12.2155%6,120
Memoranda:
Average total assets$32,931,737,50046
Average earning assets$29,145,471,50046
Average equity$4,608,604,50043
Average total loans$24,567,361,50038
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7786%4,882
Cost of funding earning assets0.3528%5,105
Net interest margin3.4258%4,182
Noninterest income to average assets1.1099%1,140
Noninterest expense to average assets2.8291%3,620
Loan and lease loss provision to assets0.1404%2,551
Net operating income to assets0.7900%3,342
Return on assets (ROA)0.7901%3,446
Pretax return on assets1.1563%2,745
Return on Equity (ROE)5.3620%4,466
Retained earnings to average equity (ytd only)0.3086%5,705
Net charge-offs to loans0.1912%2,936
Credit loss provision to net charge-offs99.6060%2,491
Earnings coverage of net charge-offs (x)9.2011%2,539
Efficiency ratio66.5352%4,463
Assets per employee ($millions)6.4579%1,005
Cash dividends to net income (ytd only)*94.2453%547
Condition Ratios (%)
Loss allowance to loans0.7682%6,236
Loan loss allowance to noncurrent loans50.1419%5,253
Noncurrent assets plus other real estate owned to assets1.2173%2,968
Noncurrent loans to loans1.5321%2,593
Net loans and leases to total assets73.5927%1,422
Net loans and leases to deposits107.4559%219
Net loans and leases to core deposits111.2390%563
Total domestic deposits to total assets68.4864%6,572
Equity capital to assets13.9478%917
Core capital (leverage) ratio9.0503%4,929
Tier 1 risk-based capital ratio11.1352%6,105
Total risk-based capital ratio12.3567%6,068
Memoranda:
Average total assets$31,157,937,40049
Average earning assets$27,429,214,60047
Average equity$4,590,943,60043
Average total loans$22,968,733,20039
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8320%4,729
Cost of funding earning assets0.3598%5,200
Net interest margin3.4722%4,005
Noninterest income to average assets1.1262%1,155
Noninterest expense to average assets2.8622%3,433
Loan and lease loss provision to assets0.1463%2,450
Net operating income to assets0.7979%3,354
Return on assets (ROA)0.7980%3,487
Pretax return on assets1.1686%2,815
Return on Equity (ROE)5.3392%4,542
Retained earnings to average equity (ytd only)0.3127%5,841
Net charge-offs to loans0.1979%2,652
Credit loss provision to net charge-offs100.4681%2,326
Earnings coverage of net charge-offs (x)9.0281%2,537
Efficiency ratio66.4815%4,400
Assets per employee ($millions)6.1241%1,153
Cash dividends to net income (ytd only)*94.1425%492
Condition Ratios (%)
Loss allowance to loans0.8076%6,269
Loan loss allowance to noncurrent loans46.4040%5,386
Noncurrent assets plus other real estate owned to assets1.3861%2,883
Noncurrent loans to loans1.7403%2,581
Net loans and leases to total assets73.9214%1,301
Net loans and leases to deposits104.0993%294
Net loans and leases to core deposits107.3096%694
Total domestic deposits to total assets71.0105%6,548
Equity capital to assets14.5326%819
Core capital (leverage) ratio9.5133%4,380
Tier 1 risk-based capital ratio11.8493%5,878
Total risk-based capital ratio13.1561%5,780
Memoranda:
Average total assets$30,703,964,25049
Average earning assets$26,978,202,50048
Average equity$4,588,900,75043
Average total loans$22,597,369,00039
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8438%4,675
Cost of funding earning assets0.3625%5,297
Net interest margin3.4813%3,859
Noninterest income to average assets1.1252%1,205
Noninterest expense to average assets2.8603%3,476
Loan and lease loss provision to assets0.1416%2,562
Net operating income to assets0.7972%3,310
Return on assets (ROA)0.7973%3,464
Pretax return on assets1.1838%2,747
Return on Equity (ROE)5.2848%4,573
Retained earnings to average equity (ytd only)0.3758%5,744
Net charge-offs to loans0.2144%2,476
Credit loss provision to net charge-offs90.1285%2,436
Earnings coverage of net charge-offs (x)8.4366%2,395
Efficiency ratio66.2865%4,501
Assets per employee ($millions)6.0850%1,144
Cash dividends to net income (ytd only)*92.8894%631
Condition Ratios (%)
Loss allowance to loans0.8079%6,339
Loan loss allowance to noncurrent loans43.9174%5,460
Noncurrent assets plus other real estate owned to assets1.4461%2,931
Noncurrent loans to loans1.8396%2,581
Net loans and leases to total assets73.3126%1,355
Net loans and leases to deposits103.6266%275
Net loans and leases to core deposits106.9229%695
Total domestic deposits to total assets70.7468%6,627
Equity capital to assets14.6729%785
Core capital (leverage) ratio9.5400%4,182
Tier 1 risk-based capital ratio11.9152%5,843
Total risk-based capital ratio13.2240%5,757
Memoranda:
Average total assets$30,515,375,00049
Average earning assets$26,825,734,33048
Average equity$4,603,765,00043
Average total loans$22,362,081,33039
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8993%4,477
Cost of funding earning assets0.3602%5,446
Net interest margin3.5390%3,530
Noninterest income to average assets1.0920%1,238
Noninterest expense to average assets2.9232%3,256
Loan and lease loss provision to assets0.1643%2,224
Net operating income to assets0.7497%3,436
Return on assets (ROA)0.7498%3,572
Pretax return on assets1.1140%2,899
Return on Equity (ROE)4.9007%4,630
Retained earnings to average equity (ytd only)-0.2892%5,832
Net charge-offs to loans0.2390%2,015
Credit loss provision to net charge-offs94.2029%1,950
Earnings coverage of net charge-offs (x)7.3283%2,084
Efficiency ratio67.5151%4,406
Assets per employee ($millions)6.0212%1,242
Cash dividends to net income (ytd only)*105.9004%589
Condition Ratios (%)
Loss allowance to loans0.8414%6,386
Loan loss allowance to noncurrent loans42.9352%5,481
Noncurrent assets plus other real estate owned to assets1.5237%2,972
Noncurrent loans to loans1.9597%2,664
Net loans and leases to total assets72.6840%1,248
Net loans and leases to deposits101.1962%308
Net loans and leases to core deposits104.4999%693
Total domestic deposits to total assets71.8249%6,666
Equity capital to assets15.2105%710
Core capital (leverage) ratio9.7339%3,746
Tier 1 risk-based capital ratio12.1168%5,844
Total risk-based capital ratio13.4651%5,741
Memoranda:
Average total assets$30,225,948,50049
Average earning assets$26,555,715,50048
Average equity$4,624,428,50044
Average total loans$22,052,300,50039
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3353%4,068
Cost of funding earning assets0.4071%5,870
Net interest margin3.9282%2,706
Noninterest income to average assets1.1339%1,213
Noninterest expense to average assets3.0397%3,139
Loan and lease loss provision to assets0.1743%3,440
Net operating income to assets0.9010%2,814
Return on assets (ROA)0.9013%3,050
Pretax return on assets1.3346%2,275
Return on Equity (ROE)5.4132%4,474
Retained earnings to average equity (ytd only)-1.2823%6,059
Net charge-offs to loans0.2105%3,706
Credit loss provision to net charge-offs111.6436%2,613
Earnings coverage of net charge-offs (x)9.6633%2,239
Efficiency ratio64.7446%4,750
Assets per employee ($millions)5.8184%1,416
Cash dividends to net income (ytd only)*123.6875%312
Condition Ratios (%)
Loss allowance to loans0.8607%6,370
Loan loss allowance to noncurrent loans43.0279%5,487
Noncurrent assets plus other real estate owned to assets1.5475%3,069
Noncurrent loans to loans2.0003%2,695
Net loans and leases to total assets71.9874%1,491
Net loans and leases to deposits99.4868%433
Net loans and leases to core deposits102.8274%842
Total domestic deposits to total assets72.3588%6,671
Equity capital to assets15.3894%659
Core capital (leverage) ratio9.8113%3,645
Tier 1 risk-based capital ratio12.1733%5,674
Total risk-based capital ratio13.0967%5,842
Memoranda:
Average total assets$28,256,127,60048
Average earning assets$24,559,970,00048
Average equity$4,704,660,80043
Average total loans$20,958,193,00039
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4321%3,914
Cost of funding earning assets0.4175%6,006
Net interest margin4.0146%2,450
Noninterest income to average assets1.1315%1,180
Noninterest expense to average assets3.0838%2,932
Loan and lease loss provision to assets0.1787%3,349
Net operating income to assets0.9116%2,922
Return on assets (ROA)0.9120%3,150
Pretax return on assets1.3525%2,404
Return on Equity (ROE)5.3673%4,654
Retained earnings to average equity (ytd only)0.8508%5,823
Net charge-offs to loans0.2195%3,413
Credit loss provision to net charge-offs109.1884%2,689
Earnings coverage of net charge-offs (x)9.3510%2,331
Efficiency ratio64.7376%4,670
Assets per employee ($millions)5.4859%1,651
Cash dividends to net income (ytd only)*84.1490%566
Condition Ratios (%)
Loss allowance to loans0.8806%6,427
Loan loss allowance to noncurrent loans39.4665%5,668
Noncurrent assets plus other real estate owned to assets1.7335%3,007
Noncurrent loans to loans2.2312%2,579
Net loans and leases to total assets73.9056%1,258
Net loans and leases to deposits97.9750%545
Net loans and leases to core deposits101.4552%1,024
Total domestic deposits to total assets75.4332%6,465
Equity capital to assets16.7423%496
Core capital (leverage) ratio10.8044%2,595
Tier 1 risk-based capital ratio13.1857%5,103
Total risk-based capital ratio14.1423%5,297
Memoranda:
Average total assets$27,798,387,50049
Average earning assets$24,117,649,50050
Average equity$4,723,271,50042
Average total loans$20,736,001,75040
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4732%3,884
Cost of funding earning assets0.4277%6,113
Net interest margin4.0455%2,315
Noninterest income to average assets1.1159%1,147
Noninterest expense to average assets3.0885%2,960
Loan and lease loss provision to assets0.1600%3,518
Net operating income to assets0.9246%2,785
Return on assets (ROA)0.9249%3,045
Pretax return on assets1.3721%2,318
Return on Equity (ROE)5.4164%4,619
Retained earnings to average equity (ytd only)1.3879%5,501
Net charge-offs to loans0.2397%3,135
Credit loss provision to net charge-offs89.4739%3,066
Earnings coverage of net charge-offs (x)8.5661%2,272
Efficiency ratio64.7526%4,753
Assets per employee ($millions)5.7012%1,442
Cash dividends to net income (ytd only)*74.3756%956
Condition Ratios (%)
Loss allowance to loans0.8703%6,529
Loan loss allowance to noncurrent loans35.4142%5,902
Noncurrent assets plus other real estate owned to assets1.8938%2,915
Noncurrent loans to loans2.4574%2,445
Net loans and leases to total assets73.5485%1,321
Net loans and leases to deposits95.6657%652
Net loans and leases to core deposits99.0609%1,170
Total domestic deposits to total assets76.8807%6,341
Equity capital to assets16.9729%449
Core capital (leverage) ratio10.9776%2,322
Tier 1 risk-based capital ratio13.0839%5,125
Total risk-based capital ratio14.0046%5,345
Memoranda:
Average total assets$27,619,688,67050
Average earning assets$23,923,250,33050
Average equity$4,716,416,33042
Average total loans$20,605,732,00040
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4812%4,000
Cost of funding earning assets0.4273%6,273
Net interest margin4.0539%2,279
Noninterest income to average assets1.0988%1,175
Noninterest expense to average assets3.1208%2,849
Loan and lease loss provision to assets0.1673%3,302
Net operating income to assets0.8830%3,002
Return on assets (ROA)0.8832%3,221
Pretax return on assets1.3196%2,472
Return on Equity (ROE)5.1563%4,712
Retained earnings to average equity (ytd only)1.7556%5,360
Net charge-offs to loans0.2186%2,834
Credit loss provision to net charge-offs102.2616%2,251
Earnings coverage of net charge-offs (x)9.0891%1,883
Efficiency ratio65.6429%4,624
Assets per employee ($millions)5.6659%1,550
Cash dividends to net income (ytd only)*65.9533%1,066
Condition Ratios (%)
Loss allowance to loans0.8893%6,563
Loan loss allowance to noncurrent loans33.2675%6,009
Noncurrent assets plus other real estate owned to assets2.0729%2,803
Noncurrent loans to loans2.6731%2,437
Net loans and leases to total assets73.9183%1,081
Net loans and leases to deposits95.9304%543
Net loans and leases to core deposits99.4148%1,021
Total domestic deposits to total assets77.0541%6,398
Equity capital to assets17.0882%414
Core capital (leverage) ratio11.0323%2,237
Tier 1 risk-based capital ratio13.1369%5,104
Total risk-based capital ratio14.0791%5,316
Memoranda:
Average total assets$27,467,344,50050
Average earning assets$23,772,896,00050
Average equity$4,704,829,50042
Average total loans$20,549,471,50040
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9045%3,329
Cost of funding earning assets0.5428%6,374
Net interest margin4.3617%1,507
Noninterest income to average assets1.1837%946
Noninterest expense to average assets3.5134%1,947
Loan and lease loss provision to assets0.2507%3,693
Net operating income to assets0.7888%3,089
Return on assets (ROA)0.8117%3,158
Pretax return on assets1.2084%2,431
Return on Equity (ROE)4.6185%4,564
Retained earnings to average equity (ytd only)1.0368%5,376
Net charge-offs to loans0.2607%4,147
Credit loss provision to net charge-offs130.9133%2,331
Earnings coverage of net charge-offs (x)7.4403%2,336
Efficiency ratio69.0892%4,132
Assets per employee ($millions)5.2446%1,890
Cash dividends to net income (ytd only)*77.5502%860
Condition Ratios (%)
Loss allowance to loans0.7800%6,782
Loan loss allowance to noncurrent loans28.8191%6,262
Noncurrent assets plus other real estate owned to assets2.1325%2,818
Noncurrent loans to loans2.7067%2,398
Net loans and leases to total assets74.4640%1,185
Net loans and leases to deposits97.6370%582
Net loans and leases to core deposits101.4153%1,069
Total domestic deposits to total assets76.2661%6,442
Equity capital to assets17.1699%431
Core capital (leverage) ratio11.1020%2,189
Tier 1 risk-based capital ratio13.1300%4,969
Total risk-based capital ratio13.9715%5,270
Memoranda:
Average total assets$25,417,056,60051
Average earning assets$21,879,927,20052
Average equity$4,467,235,80042
Average total loans$18,670,014,60043
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9391%3,387
Cost of funding earning assets0.5629%6,459
Net interest margin4.3762%1,473
Noninterest income to average assets1.2160%890
Noninterest expense to average assets3.4866%1,975
Loan and lease loss provision to assets0.2301%3,713
Net operating income to assets0.8454%2,959
Return on assets (ROA)0.8764%2,982
Pretax return on assets1.3109%2,254
Return on Equity (ROE)4.9550%4,554
Retained earnings to average equity (ytd only)4.9550%3,201
Net charge-offs to loans0.2826%3,670
Credit loss provision to net charge-offs111.4971%2,945
Earnings coverage of net charge-offs (x)7.2433%2,390
Efficiency ratio67.9720%4,323
Assets per employee ($millions)5.0047%2,186
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.7396%6,913
Loan loss allowance to noncurrent loans29.2083%6,299
Noncurrent assets plus other real estate owned to assets2.0082%3,130
Noncurrent loans to loans2.5321%2,737
Net loans and leases to total assets74.5413%1,227
Net loans and leases to deposits97.7025%591
Net loans and leases to core deposits101.5825%1,115
Total domestic deposits to total assets76.2942%6,493
Equity capital to assets18.0867%378
Core capital (leverage) ratio11.8279%1,811
Tier 1 risk-based capital ratio14.1212%4,263
Total risk-based capital ratio14.9341%4,557
Memoranda:
Average total assets$24,941,494,75051
Average earning assets$21,459,647,00053
Average equity$4,411,371,50041
Average total loans$18,211,774,25042
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9107%3,565
Cost of funding earning assets0.5661%6,600
Net interest margin4.3445%1,525
Noninterest income to average assets1.2633%788
Noninterest expense to average assets3.4394%2,155
Loan and lease loss provision to assets0.2356%3,555
Net operating income to assets0.8817%2,730
Return on assets (ROA)0.8818%2,829
Pretax return on assets1.3240%2,065
Return on Equity (ROE)5.0275%4,437
Retained earnings to average equity (ytd only)5.0275%2,994
Net charge-offs to loans0.3289%3,243
Credit loss provision to net charge-offs99.1338%3,190
Earnings coverage of net charge-offs (x)6.5628%2,374
Efficiency ratio66.8475%4,718
Assets per employee ($millions)4.9558%2,192
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.8164%6,838
Loan loss allowance to noncurrent loans27.8189%6,388
Noncurrent assets plus other real estate owned to assets2.2499%2,915
Noncurrent loans to loans2.9348%2,481
Net loans and leases to total assets71.2805%1,940
Net loans and leases to deposits95.9247%729
Net loans and leases to core deposits99.3937%1,397
Total domestic deposits to total assets74.3088%6,806
Equity capital to assets17.5988%416
Core capital (leverage) ratio11.6006%1,842
Tier 1 risk-based capital ratio14.1602%4,052
Total risk-based capital ratio15.0394%4,286
Memoranda:
Average total assets$24,293,640,67056
Average earning assets$20,887,887,33055
Average equity$4,260,953,33045
Average total loans$17,552,431,00047
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9641%3,275
Cost of funding earning assets0.5767%6,702
Net interest margin4.3874%1,319
Noninterest income to average assets1.2405%823
Noninterest expense to average assets3.4348%2,183
Loan and lease loss provision to assets0.2420%3,254
Net operating income to assets0.8849%2,639
Return on assets (ROA)0.8851%2,707
Pretax return on assets1.3290%1,944
Return on Equity (ROE)5.0552%4,374
Retained earnings to average equity (ytd only)5.0552%3,153
Net charge-offs to loans0.3307%2,734
Credit loss provision to net charge-offs101.0109%2,612
Earnings coverage of net charge-offs (x)6.5563%2,081
Efficiency ratio66.6560%4,919
Assets per employee ($millions)4.9810%2,195
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.8273%6,867
Loan loss allowance to noncurrent loans25.0889%6,541
Noncurrent assets plus other real estate owned to assets2.5283%2,700
Noncurrent loans to loans3.2973%2,283
Net loans and leases to total assets71.3369%1,850
Net loans and leases to deposits95.7544%707
Net loans and leases to core deposits99.2306%1,406
Total domestic deposits to total assets74.4999%6,858
Equity capital to assets17.4417%405
Core capital (leverage) ratio11.4452%1,880
Tier 1 risk-based capital ratio13.9209%4,125
Total risk-based capital ratio14.8091%4,352
Memoranda:
Average total assets$24,115,278,00055
Average earning assets$20,693,616,00055
Average equity$4,222,342,50046
Average total loans$17,470,881,50048
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6335%6,008
Cost of funding earning assets0.6701%6,961
Net interest margin3.9634%3,189
Noninterest income to average assets1.3091%856
Noninterest expense to average assets3.7368%1,613
Loan and lease loss provision to assets0.2813%4,557
Net operating income to assets0.4639%4,254
Return on assets (ROA)0.4608%4,435
Pretax return on assets0.6864%4,022
Return on Equity (ROE)2.5459%5,158
Retained earnings to average equity (ytd only)2.5459%4,091
Net charge-offs to loans0.4594%3,781
Credit loss provision to net charge-offs84.4940%5,366
Earnings coverage of net charge-offs (x)2.9204%3,615
Efficiency ratio77.1977%2,840
Assets per employee ($millions)4.8780%2,312
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.8322%6,899
Loan loss allowance to noncurrent loans23.5338%6,674
Noncurrent assets plus other real estate owned to assets2.7472%2,541
Noncurrent loans to loans3.5361%2,133
Net loans and leases to total assets72.3666%2,012
Net loans and leases to deposits95.9272%877
Net loans and leases to core deposits99.3606%1,666
Total domestic deposits to total assets75.4390%6,704
Equity capital to assets17.5778%400
Core capital (leverage) ratio11.4199%1,879
Tier 1 risk-based capital ratio13.6208%4,119
Total risk-based capital ratio14.5440%4,333
Memoranda:
Average total assets$21,333,375,20057
Average earning assets$18,300,617,80058
Average equity$3,861,239,00046
Average total loans$15,459,597,60050
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6713%6,121
Cost of funding earning assets0.7041%7,049
Net interest margin3.9672%3,248
Noninterest income to average assets1.3494%740
Noninterest expense to average assets3.8325%1,313
Loan and lease loss provision to assets0.3158%4,053
Net operating income to assets0.4112%4,699
Return on assets (ROA)0.4111%4,877
Pretax return on assets0.6101%4,566
Return on Equity (ROE)2.2527%5,511
Retained earnings to average equity (ytd only)2.2527%4,813
Net charge-offs to loans0.4622%3,440
Credit loss provision to net charge-offs94.4892%4,587
Earnings coverage of net charge-offs (x)2.7704%3,761
Efficiency ratio78.4379%2,562
Assets per employee ($millions)4.4362%3,019
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.0073%6,361
Loan loss allowance to noncurrent loans47.0430%5,156
Noncurrent assets plus other real estate owned to assets1.7651%3,793
Noncurrent loans to loans2.1412%3,524
Net loans and leases to total assets73.6704%1,871
Net loans and leases to deposits95.7406%1,016
Net loans and leases to core deposits98.8930%1,947
Total domestic deposits to total assets76.9479%6,488
Equity capital to assets19.6028%309
Core capital (leverage) ratio13.0016%1,231
Tier 1 risk-based capital ratio15.4430%3,031
Total risk-based capital ratio16.4024%3,154
Memoranda:
Average total assets$20,702,138,50057
Average earning assets$17,789,816,25059
Average equity$3,778,107,75046
Average total loans$14,971,914,50052
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5805%6,517
Cost of funding earning assets0.7182%7,155
Net interest margin3.8623%3,625
Noninterest income to average assets1.3398%702
Noninterest expense to average assets3.8548%1,258
Loan and lease loss provision to assets0.2622%4,302
Net operating income to assets0.3717%4,884
Return on assets (ROA)0.3716%5,048
Pretax return on assets0.5516%4,733
Return on Equity (ROE)2.0870%5,610
Retained earnings to average equity (ytd only)2.0870%4,812
Net charge-offs to loans0.4871%3,081
Credit loss provision to net charge-offs75.1578%4,832
Earnings coverage of net charge-offs (x)2.3331%3,832
Efficiency ratio80.6119%2,356
Assets per employee ($millions)4.4519%2,959
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.9659%6,544
Loan loss allowance to noncurrent loans50.6883%4,925
Noncurrent assets plus other real estate owned to assets1.6031%4,039
Noncurrent loans to loans1.9056%3,860
Net loans and leases to total assets73.8289%1,943
Net loans and leases to deposits94.8131%1,171
Net loans and leases to core deposits94.8311%2,601
Total domestic deposits to total assets77.8678%6,297
Equity capital to assets19.4654%314
Core capital (leverage) ratio12.8406%1,262
Tier 1 risk-based capital ratio15.6827%2,812
Total risk-based capital ratio16.6301%2,927
Memoranda:
Average total assets$20,797,708,00056
Average earning assets$17,925,367,33058
Average equity$3,703,475,00046
Average total loans$14,898,164,00051
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2965%7,138
Cost of funding earning assets0.7191%7,293
Net interest margin3.5774%4,825
Noninterest income to average assets1.2900%729
Noninterest expense to average assets3.6312%1,665
Loan and lease loss provision to assets0.1806%4,719
Net operating income to assets0.3842%4,911
Return on assets (ROA)0.3843%5,046
Pretax return on assets0.5804%4,684
Return on Equity (ROE)2.2601%5,647
Retained earnings to average equity (ytd only)2.2601%4,776
Net charge-offs to loans0.3388%3,053
Credit loss provision to net charge-offs75.8988%3,977
Earnings coverage of net charge-offs (x)3.1979%2,988
Efficiency ratio80.6321%2,466
Assets per employee ($millions)4.7683%2,549
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.9987%6,485
Loan loss allowance to noncurrent loans60.5061%4,346
Noncurrent assets plus other real estate owned to assets1.3059%4,582
Noncurrent loans to loans1.6505%4,274
Net loans and leases to total assets70.9655%2,707
Net loans and leases to deposits98.2777%885
Net loans and leases to core deposits98.2969%2,314
Total domestic deposits to total assets72.2092%7,244
Equity capital to assets18.3871%384
Core capital (leverage) ratio12.3229%1,482
Tier 1 risk-based capital ratio15.3829%2,928
Total risk-based capital ratio16.3407%3,027
Memoranda:
Average total assets$20,997,218,50055
Average earning assets$18,206,850,00055
Average equity$3,569,867,50047
Average total loans$14,743,739,50050
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3105%7,551
Cost of funding earning assets1.0271%7,155
Net interest margin3.2834%5,805
Noninterest income to average assets1.3392%834
Noninterest expense to average assets3.2160%3,323
Loan and lease loss provision to assets0.2730%5,226
Net operating income to assets0.4565%3,900
Return on assets (ROA)0.5372%3,672
Pretax return on assets0.7700%3,345
Return on Equity (ROE)3.1865%4,421
Retained earnings to average equity (ytd only)3.1865%2,927
Net charge-offs to loans0.3255%4,608
Credit loss provision to net charge-offs112.5899%4,874
Earnings coverage of net charge-offs (x)3.8265%3,181
Efficiency ratio75.2356%3,665
Assets per employee ($millions)4.7595%2,532
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.0995%5,904
Loan loss allowance to noncurrent loans82.4984%3,356
Noncurrent assets plus other real estate owned to assets1.0452%5,011
Noncurrent loans to loans1.3328%4,697
Net loans and leases to total assets67.9473%3,712
Net loans and leases to deposits90.6726%2,111
Net loans and leases to core deposits100.2594%3,966
Total domestic deposits to total assets74.9370%6,874
Equity capital to assets15.5678%773
Core capital (leverage) ratio10.0140%3,075
Tier 1 risk-based capital ratio13.0887%4,086
Total risk-based capital ratio14.1380%4,170
Memoranda:
Average total assets$20,873,998,80058
Average earning assets$17,830,139,00060
Average equity$3,518,993,60047
Average total loans$15,547,413,40051
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3429%7,645
Cost of funding earning assets1.0826%7,213
Net interest margin3.2602%5,788
Noninterest income to average assets1.3389%859
Noninterest expense to average assets3.1971%3,305
Loan and lease loss provision to assets0.2761%4,769
Net operating income to assets0.4373%4,243
Return on assets (ROA)0.5435%3,900
Pretax return on assets0.7928%3,563
Return on Equity (ROE)3.1645%4,722
Retained earnings to average equity (ytd only)3.1645%3,547
Net charge-offs to loans0.3103%4,096
Credit loss provision to net charge-offs117.2346%4,342
Earnings coverage of net charge-offs (x)3.8845%3,352
Efficiency ratio75.3469%3,627
Assets per employee ($millions)4.2883%3,221
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.1109%5,658
Loan loss allowance to noncurrent loans82.2402%3,321
Noncurrent assets plus other real estate owned to assets1.1029%4,874
Noncurrent loans to loans1.3508%4,671
Net loans and leases to total assets75.2944%2,157
Net loans and leases to deposits93.7477%1,924
Net loans and leases to core deposits104.7558%3,849
Total domestic deposits to total assets80.3161%5,324
Equity capital to assets16.9202%646
Core capital (leverage) ratio10.8796%2,499
Tier 1 risk-based capital ratio12.8328%4,304
Total risk-based capital ratio13.9875%4,311
Memoranda:
Average total assets$20,933,164,75062
Average earning assets$17,805,139,00065
Average equity$3,595,547,00047
Average total loans$15,889,664,75053
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1926%7,831
Cost of funding earning assets1.0842%7,405
Net interest margin3.1084%6,208
Noninterest income to average assets1.2725%941
Noninterest expense to average assets3.1213%3,616
Loan and lease loss provision to assets0.2019%5,033
Net operating income to assets0.4095%4,475
Return on assets (ROA)0.5338%4,073
Pretax return on assets0.7787%3,749
Return on Equity (ROE)3.0943%4,864
Retained earnings to average equity (ytd only)3.0943%3,597
Net charge-offs to loans0.2560%3,918
Credit loss provision to net charge-offs104.0247%4,416
Earnings coverage of net charge-offs (x)4.1245%3,208
Efficiency ratio77.1254%3,489
Assets per employee ($millions)4.2671%3,174
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.0646%5,815
Loan loss allowance to noncurrent loans82.4251%3,422
Noncurrent assets plus other real estate owned to assets1.0708%4,823
Noncurrent loans to loans1.2916%4,615
Net loans and leases to total assets76.4538%2,063
Net loans and leases to deposits95.0275%1,949
Net loans and leases to core deposits106.3515%3,799
Total domestic deposits to total assets80.4544%5,300
Equity capital to assets16.8227%688
Core capital (leverage) ratio10.7383%2,619
Tier 1 risk-based capital ratio12.6071%4,436
Total risk-based capital ratio13.7279%4,462
Memoranda:
Average total assets$21,657,107,33064
Average earning assets$18,459,749,00066
Average equity$3,735,913,33048
Average total loans$16,424,574,00054
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9341%8,008
Cost of funding earning assets1.0377%7,612
Net interest margin2.8965%6,754
Noninterest income to average assets1.1273%1,159
Noninterest expense to average assets2.8830%4,217
Loan and lease loss provision to assets0.1364%5,215
Net operating income to assets0.3914%4,889
Return on assets (ROA)0.4774%4,721
Pretax return on assets0.7082%4,407
Return on Equity (ROE)2.7400%5,479
Retained earnings to average equity (ytd only)2.7400%4,362
Net charge-offs to loans0.2995%2,917
Credit loss provision to net charge-offs60.5247%4,509
Earnings coverage of net charge-offs (x)3.1778%3,260
Efficiency ratio77.6116%3,234
Assets per employee ($millions)4.4456%2,808
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0123%6,097
Loan loss allowance to noncurrent loans102.1822%3,004
Noncurrent assets plus other real estate owned to assets0.8585%5,048
Noncurrent loans to loans0.9907%5,014
Net loans and leases to total assets78.0197%1,821
Net loans and leases to deposits97.2522%1,770
Net loans and leases to core deposits108.8936%3,574
Total domestic deposits to total assets80.2240%5,275
Equity capital to assets16.8327%744
Core capital (leverage) ratio10.6219%2,814
Tier 1 risk-based capital ratio12.3663%4,645
Total risk-based capital ratio13.4495%4,693
Memoranda:
Average total assets$23,134,235,50064
Average earning assets$19,743,634,50067
Average equity$4,030,708,00047
Average total loans$17,410,408,50054
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8224%6,364
Cost of funding earning assets1.7747%7,077
Net interest margin4.0477%2,916
Noninterest income to average assets1.5903%554
Noninterest expense to average assets3.8850%1,589
Loan and lease loss provision to assets0.1468%5,480
Net operating income to assets0.7056%3,870
Return on assets (ROA)0.7629%3,452
Pretax return on assets1.1341%2,900
Return on Equity (ROE)3.7786%4,904
Retained earnings to average equity (ytd only)-46.0952%8,107
Net charge-offs to loans0.1076%5,209
Credit loss provision to net charge-offs182.7577%2,726
Earnings coverage of net charge-offs (x)14.8795%1,991
Efficiency ratio74.1274%3,551
Assets per employee ($millions)4.6308%2,433
Cash dividends to net income (ytd only)*1,319.9042%28
Condition Ratios (%)
Loss allowance to loans1.0503%5,624
Loan loss allowance to noncurrent loans154.5740%2,403
Noncurrent assets plus other real estate owned to assets0.5695%5,479
Noncurrent loans to loans0.6795%5,340
Net loans and leases to total assets74.8565%2,909
Net loans and leases to deposits92.5504%3,043
Net loans and leases to core deposits102.0895%4,599
Total domestic deposits to total assets80.8819%4,691
Equity capital to assets16.0171%927
Core capital (leverage) ratio10.0083%3,437
Tier 1 risk-based capital ratio12.2433%4,636
Total risk-based capital ratio13.3730%4,609
Memoranda:
Average total assets$17,875,209,00069
Average earning assets$15,412,444,80073
Average equity$3,609,092,40050
Average total loans$13,344,190,40064