Home > Peoples Bank of Moniteau County > Performance and Condition Ratios

Peoples Bank of Moniteau County, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7418%2,000
Cost of funding earning assets0.6536%412
Net interest margin3.0883%2,945
Noninterest income to average assets0.4583%2,773
Noninterest expense to average assets2.1290%3,307
Loan and lease loss provision to assets0.0887%1,398
Net operating income to assets1.0349%2,537
Return on assets (ROA)1.0349%2,608
Pretax return on assets1.2168%2,608
Return on Equity (ROE)11.4758%1,992
Retained earnings to average equity (ytd only)8.6396%1,303
Net charge-offs to loans-0.0249%4,057
Credit loss provision to net charge-offs-666.6667%3,817
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.9888%2,870
Assets per employee ($millions)5.5108%3,246
Cash dividends to net income (ytd only)*24.7143%2,804
Condition Ratios (%)
Loss allowance to loans1.6140%1,224
Loan loss allowance to noncurrent loans77.6774%3,621
Noncurrent assets plus other real estate owned to assets1.1719%429
Noncurrent loans to loans2.0779%377
Net loans and leases to total assets55.4907%2,680
Net loans and leases to deposits68.1385%2,301
Net loans and leases to core deposits68.1385%2,640
Total domestic deposits to total assets81.4381%4,049
Equity capital to assets9.2379%3,381
Core capital (leverage) ratio8.9562%3,445
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.5750%1,658
Memoranda:
Average total assets$67,636,8004,362
Average earning assets$65,182,4004,321
Average equity$6,099,8004,522
Average total loans$36,142,2004,265
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8712%1,852
Cost of funding earning assets0.6713%447
Net interest margin3.1999%2,727
Noninterest income to average assets0.4666%2,766
Noninterest expense to average assets2.0897%3,395
Loan and lease loss provision to assets0.0882%1,353
Net operating income to assets1.1762%2,247
Return on assets (ROA)1.1762%2,306
Pretax return on assets1.3722%2,430
Return on Equity (ROE)13.1198%1,661
Retained earnings to average equity (ytd only)11.1518%1,023
Net charge-offs to loans-0.0260%4,080
Credit loss provision to net charge-offs-642.8571%3,721
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.8625%3,145
Assets per employee ($millions)5.6962%3,000
Cash dividends to net income (ytd only)*15.0000%2,777
Condition Ratios (%)
Loss allowance to loans1.6293%1,262
Loan loss allowance to noncurrent loans62.7957%3,815
Noncurrent assets plus other real estate owned to assets1.3606%400
Noncurrent loans to loans2.5946%279
Net loans and leases to total assets51.5829%3,240
Net loans and leases to deposits63.0255%2,954
Net loans and leases to core deposits63.0255%3,219
Total domestic deposits to total assets81.8445%3,952
Equity capital to assets9.1845%3,665
Core capital (leverage) ratio8.9883%3,558
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6260%1,751
Memoranda:
Average total assets$68,013,5004,416
Average earning assets$65,542,7504,378
Average equity$6,097,5004,584
Average total loans$35,853,2504,328
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2630%1,066
Cost of funding earning assets0.6977%472
Net interest margin3.5652%1,670
Noninterest income to average assets0.4978%2,630
Noninterest expense to average assets2.0560%3,533
Loan and lease loss provision to assets0.0884%1,398
Net operating income to assets1.5346%1,204
Return on assets (ROA)1.5346%1,266
Pretax return on assets1.7850%1,271
Return on Equity (ROE)17.2593%745
Retained earnings to average equity (ytd only)14.2778%509
Net charge-offs to loans-0.0335%4,204
Credit loss provision to net charge-offs-500.0000%3,458
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.3238%4,011
Assets per employee ($millions)5.7127%2,880
Cash dividends to net income (ytd only)*17.2745%2,625
Condition Ratios (%)
Loss allowance to loans1.5907%1,295
Loan loss allowance to noncurrent loans59.2902%3,842
Noncurrent assets plus other real estate owned to assets1.3975%435
Noncurrent loans to loans2.6829%291
Net loans and leases to total assets51.2604%3,422
Net loans and leases to deposits62.4867%3,152
Net loans and leases to core deposits62.4867%3,420
Total domestic deposits to total assets82.0341%3,916
Equity capital to assets9.1157%3,689
Core capital (leverage) ratio8.8846%3,598
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9466%1,649
Memoranda:
Average total assets$67,900,0004,446
Average earning assets$65,353,6674,401
Average equity$6,037,3334,615
Average total loans$35,856,6674,363
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5467%2,793
Cost of funding earning assets0.7253%501
Net interest margin2.8214%3,711
Noninterest income to average assets0.4499%2,826
Noninterest expense to average assets2.0955%3,438
Loan and lease loss provision to assets0.0888%1,488
Net operating income to assets0.7932%3,448
Return on assets (ROA)0.7932%3,516
Pretax return on assets0.9826%3,422
Return on Equity (ROE)9.0365%3,025
Retained earnings to average equity (ytd only)8.0250%2,223
Net charge-offs to loans-0.0334%4,227
Credit loss provision to net charge-offs-500.0000%3,167
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.1682%2,204
Assets per employee ($millions)5.8216%2,774
Cash dividends to net income (ytd only)*11.1940%2,230
Condition Ratios (%)
Loss allowance to loans1.5480%1,425
Loan loss allowance to noncurrent loans55.9512%3,901
Noncurrent assets plus other real estate owned to assets1.7335%329
Noncurrent loans to loans2.7668%306
Net loans and leases to total assets50.0709%3,621
Net loans and leases to deposits61.0060%3,412
Net loans and leases to core deposits61.0060%3,642
Total domestic deposits to total assets82.0753%3,878
Equity capital to assets8.3855%4,205
Core capital (leverage) ratio8.9226%3,688
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7609%1,652
Memoranda:
Average total assets$67,574,0004,466
Average earning assets$65,075,0004,424
Average equity$5,931,5004,644
Average total loans$35,931,0004,381
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7131%3,545
Cost of funding earning assets1.0081%578
Net interest margin2.7050%4,369
Noninterest income to average assets0.4275%2,975
Noninterest expense to average assets2.3709%3,204
Loan and lease loss provision to assets0.0953%3,151
Net operating income to assets0.5403%3,933
Return on assets (ROA)0.5435%4,020
Pretax return on assets0.5482%4,179
Return on Equity (ROE)5.9237%3,607
Retained earnings to average equity (ytd only)4.9364%2,301
Net charge-offs to loans0.2669%648
Credit loss provision to net charge-offs63.8298%3,072
Earnings coverage of net charge-offs (x)4.2872%3,002
Efficiency ratio78.7335%980
Assets per employee ($millions)5.4408%2,903
Cash dividends to net income (ytd only)*16.6667%3,370
Condition Ratios (%)
Loss allowance to loans1.4642%1,713
Loan loss allowance to noncurrent loans51.5504%4,003
Noncurrent assets plus other real estate owned to assets1.9299%300
Noncurrent loans to loans2.8404%326
Net loans and leases to total assets54.8347%3,406
Net loans and leases to deposits67.5248%3,133
Net loans and leases to core deposits67.5248%3,439
Total domestic deposits to total assets81.2066%3,831
Equity capital to assets9.1976%3,890
Core capital (leverage) ratio8.8067%3,893
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1941%2,553
Memoranda:
Average total assets$62,930,6004,471
Average earning assets$60,111,0004,436
Average equity$5,773,4004,669
Average total loans$35,223,6004,401
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7957%3,578
Cost of funding earning assets1.0678%603
Net interest margin2.7279%4,430
Noninterest income to average assets0.4299%2,938
Noninterest expense to average assets2.3697%3,220
Loan and lease loss provision to assets0.0962%3,115
Net operating income to assets0.5839%3,816
Return on assets (ROA)0.5881%3,904
Pretax return on assets0.5689%4,159
Return on Equity (ROE)6.4151%3,402
Retained earnings to average equity (ytd only)5.4120%2,370
Net charge-offs to loans0.2098%731
Credit loss provision to net charge-offs81.8182%2,750
Earnings coverage of net charge-offs (x)5.6182%2,719
Efficiency ratio78.1934%1,016
Assets per employee ($millions)5.3658%2,822
Cash dividends to net income (ytd only)*15.6364%2,954
Condition Ratios (%)
Loss allowance to loans1.6257%1,030
Loan loss allowance to noncurrent loans48.7270%4,050
Noncurrent assets plus other real estate owned to assets2.1774%277
Noncurrent loans to loans3.3364%254
Net loans and leases to total assets52.1580%3,956
Net loans and leases to deposits65.0122%3,702
Net loans and leases to core deposits65.5656%3,920
Total domestic deposits to total assets80.2280%3,817
Equity capital to assets9.2236%3,933
Core capital (leverage) ratio8.6675%4,109
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5520%2,389
Memoranda:
Average total assets$62,341,0004,498
Average earning assets$59,434,7504,463
Average equity$5,715,5004,696
Average total loans$34,946,2504,438
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9115%3,583
Cost of funding earning assets1.1186%673
Net interest margin2.7930%4,464
Noninterest income to average assets0.4347%2,880
Noninterest expense to average assets2.3225%3,465
Loan and lease loss provision to assets0.0973%3,060
Net operating income to assets0.7136%3,346
Return on assets (ROA)0.7136%3,458
Pretax return on assets0.6714%3,925
Return on Equity (ROE)7.8000%2,828
Retained earnings to average equity (ytd only)7.0200%1,657
Net charge-offs to loans0.3464%466
Credit loss provision to net charge-offs49.1803%2,628
Earnings coverage of net charge-offs (x)3.8852%2,644
Efficiency ratio75.1312%1,352
Assets per employee ($millions)5.2985%2,838
Cash dividends to net income (ytd only)*10.0000%3,028
Condition Ratios (%)
Loss allowance to loans1.5280%1,183
Loan loss allowance to noncurrent loans44.6951%4,140
Noncurrent assets plus other real estate owned to assets2.5086%223
Noncurrent loans to loans3.4186%240
Net loans and leases to total assets54.2276%3,856
Net loans and leases to deposits69.2071%3,480
Net loans and leases to core deposits69.2071%3,758
Total domestic deposits to total assets78.3555%4,137
Equity capital to assets9.2715%3,862
Core capital (leverage) ratio9.0454%3,858
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9478%2,635
Memoranda:
Average total assets$61,658,3334,514
Average earning assets$58,647,3334,483
Average equity$5,641,0004,725
Average total loans$35,215,3334,448
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9703%3,875
Cost of funding earning assets1.1730%840
Net interest margin2.7973%4,566
Noninterest income to average assets0.5404%2,331
Noninterest expense to average assets2.4911%3,293
Loan and lease loss provision to assets0.0989%2,447
Net operating income to assets0.8172%2,848
Return on assets (ROA)0.8172%2,935
Pretax return on assets0.6063%3,907
Return on Equity (ROE)8.9953%2,115
Retained earnings to average equity (ytd only)7.3993%1,409
Net charge-offs to loans0.1359%916
Credit loss provision to net charge-offs125.0000%1,687
Earnings coverage of net charge-offs (x)8.9167%1,841
Efficiency ratio77.9381%1,347
Assets per employee ($millions)4.7712%2,909
Cash dividends to net income (ytd only)*17.7419%2,377
Condition Ratios (%)
Loss allowance to loans1.6181%1,025
Loan loss allowance to noncurrent loans43.8029%4,184
Noncurrent assets plus other real estate owned to assets2.7343%236
Noncurrent loans to loans3.6940%238
Net loans and leases to total assets55.7766%3,857
Net loans and leases to deposits70.6950%3,543
Net loans and leases to core deposits70.6950%3,834
Total domestic deposits to total assets78.8976%4,071
Equity capital to assets8.9898%4,605
Core capital (leverage) ratio9.0605%4,414
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8848%2,335
Memoranda:
Average total assets$60,696,5004,548
Average earning assets$57,628,0004,516
Average equity$5,514,0004,781
Average total loans$35,316,0004,469
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1320%3,968
Cost of funding earning assets1.1640%1,112
Net interest margin2.9680%4,555
Noninterest income to average assets0.6219%2,124
Noninterest expense to average assets2.6402%3,062
Loan and lease loss provision to assets0.3598%416
Net operating income to assets0.4694%4,467
Return on assets (ROA)0.4694%4,509
Pretax return on assets0.4352%4,657
Return on Equity (ROE)5.2115%4,157
Retained earnings to average equity (ytd only)4.2225%2,846
Net charge-offs to loans0.5586%328
Credit loss provision to net charge-offs102.9412%2,411
Earnings coverage of net charge-offs (x)2.2745%3,435
Efficiency ratio76.8579%1,281
Assets per employee ($millions)4.5667%3,126
Cash dividends to net income (ytd only)*18.9781%3,508
Condition Ratios (%)
Loss allowance to loans1.5958%988
Loan loss allowance to noncurrent loans51.6423%4,065
Noncurrent assets plus other real estate owned to assets2.7995%204
Noncurrent loans to loans3.0902%299
Net loans and leases to total assets58.7886%3,691
Net loans and leases to deposits74.5828%3,298
Net loans and leases to core deposits74.5828%3,669
Total domestic deposits to total assets78.8233%4,215
Equity capital to assets9.1836%4,582
Core capital (leverage) ratio9.1284%4,422
Tier 1 risk-based capital ratio12.8005%3,895
Total risk-based capital ratio14.0516%3,786
Memoranda:
Average total assets$58,366,2004,621
Average earning assets$55,324,2004,596
Average equity$5,257,6004,856
Average total loans$36,516,8004,487
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1582%4,022
Cost of funding earning assets1.1402%1,209
Net interest margin3.0180%4,600
Noninterest income to average assets0.6791%1,869
Noninterest expense to average assets2.6200%3,108
Loan and lease loss provision to assets0.4474%285
Net operating income to assets0.5529%4,401
Return on assets (ROA)0.5529%4,455
Pretax return on assets0.4657%4,738
Return on Equity (ROE)6.1687%3,992
Retained earnings to average equity (ytd only)5.0680%2,862
Net charge-offs to loans0.5945%271
Credit loss provision to net charge-offs118.9024%1,967
Earnings coverage of net charge-offs (x)2.4268%3,197
Efficiency ratio74.1558%1,541
Assets per employee ($millions)4.3908%3,352
Cash dividends to net income (ytd only)*17.8415%3,123
Condition Ratios (%)
Loss allowance to loans1.6524%901
Loan loss allowance to noncurrent loans52.1624%4,146
Noncurrent assets plus other real estate owned to assets3.0168%187
Noncurrent loans to loans3.1678%294
Net loans and leases to total assets61.6230%3,532
Net loans and leases to deposits78.8182%3,027
Net loans and leases to core deposits78.8182%3,483
Total domestic deposits to total assets78.1836%4,312
Equity capital to assets9.5233%4,431
Core capital (leverage) ratio9.2887%4,380
Tier 1 risk-based capital ratio13.3222%3,674
Total risk-based capital ratio14.5726%3,573
Memoranda:
Average total assets$58,116,0004,689
Average earning assets$54,958,2504,665
Average equity$5,209,0004,923
Average total loans$36,779,2504,539
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1528%4,041
Cost of funding earning assets1.1072%1,272
Net interest margin3.0456%4,612
Noninterest income to average assets0.5234%2,549
Noninterest expense to average assets2.5795%3,247
Loan and lease loss provision to assets0.3592%356
Net operating income to assets0.6124%4,279
Return on assets (ROA)0.6124%4,312
Pretax return on assets0.4550%4,758
Return on Equity (ROE)6.9740%3,690
Retained earnings to average equity (ytd only)6.1169%2,229
Net charge-offs to loans0.5873%258
Credit loss provision to net charge-offs96.3303%2,059
Earnings coverage of net charge-offs (x)2.1835%2,964
Efficiency ratio76.0081%1,396
Assets per employee ($millions)4.5293%3,092
Cash dividends to net income (ytd only)*12.2905%3,235
Condition Ratios (%)
Loss allowance to loans1.5260%1,193
Loan loss allowance to noncurrent loans35.7326%4,461
Noncurrent assets plus other real estate owned to assets3.4663%147
Noncurrent loans to loans4.2705%157
Net loans and leases to total assets60.9365%3,660
Net loans and leases to deposits77.4896%3,194
Net loans and leases to core deposits77.4896%3,615
Total domestic deposits to total assets78.6383%4,289
Equity capital to assets9.0793%4,750
Core capital (leverage) ratio9.1588%4,502
Tier 1 risk-based capital ratio12.5989%4,078
Total risk-based capital ratio13.8476%3,962
Memoranda:
Average total assets$58,461,0004,719
Average earning assets$55,096,0004,700
Average equity$5,133,3304,968
Average total loans$37,117,0004,570
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1426%4,024
Cost of funding earning assets1.0648%1,312
Net interest margin3.0778%4,625
Noninterest income to average assets0.5150%2,469
Noninterest expense to average assets2.6163%3,166
Loan and lease loss provision to assets0.1030%1,712
Net operating income to assets0.5837%4,289
Return on assets (ROA)0.5837%4,322
Pretax return on assets0.6936%4,313
Return on Equity (ROE)6.7635%3,752
Retained earnings to average equity (ytd only)5.0129%2,903
Net charge-offs to loans0.0107%2,304
Credit loss provision to net charge-offs1,500.0000%254
Earnings coverage of net charge-offs (x)116.0000%606
Efficiency ratio76.6600%1,425
Assets per employee ($millions)4.5022%3,192
Cash dividends to net income (ytd only)*25.8824%2,327
Condition Ratios (%)
Loss allowance to loans1.5506%1,182
Loan loss allowance to noncurrent loans36.9132%4,512
Noncurrent assets plus other real estate owned to assets3.4855%155
Noncurrent loans to loans4.2008%168
Net loans and leases to total assets62.2659%3,477
Net loans and leases to deposits79.2170%2,928
Net loans and leases to core deposits79.2170%3,432
Total domestic deposits to total assets78.6017%4,419
Equity capital to assets8.7172%4,869
Core capital (leverage) ratio9.0152%4,645
Tier 1 risk-based capital ratio13.3373%3,700
Total risk-based capital ratio14.5880%3,607
Memoranda:
Average total assets$58,251,0004,769
Average earning assets$54,844,5004,753
Average equity$5,027,0005,023
Average total loans$37,457,5004,605
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2145%3,397
Cost of funding earning assets0.9578%898
Net interest margin3.2567%4,365
Noninterest income to average assets1.1895%648
Noninterest expense to average assets2.7383%2,899
Loan and lease loss provision to assets0.8183%119
Net operating income to assets0.5989%4,424
Return on assets (ROA)0.5989%4,429
Pretax return on assets0.7137%4,378
Return on Equity (ROE)7.4039%3,691
Retained earnings to average equity (ytd only)6.1942%2,096
Net charge-offs to loans1.7779%59
Credit loss provision to net charge-offs68.4062%3,014
Earnings coverage of net charge-offs (x)1.2807%3,642
Efficiency ratio64.1249%3,172
Assets per employee ($millions)4.4595%3,227
Cash dividends to net income (ytd only)*16.3380%3,622
Condition Ratios (%)
Loss allowance to loans1.4777%1,360
Loan loss allowance to noncurrent loans34.5466%4,574
Noncurrent assets plus other real estate owned to assets3.4274%157
Noncurrent loans to loans4.2773%161
Net loans and leases to total assets64.4047%3,312
Net loans and leases to deposits81.8959%2,747
Net loans and leases to core deposits81.8959%3,272
Total domestic deposits to total assets78.6421%4,384
Equity capital to assets8.5418%4,907
Core capital (leverage) ratio8.8404%4,780
Tier 1 risk-based capital ratio13.2927%3,662
Total risk-based capital ratio14.5445%3,547
Memoranda:
Average total assets$59,271,0004,773
Average earning assets$56,068,8004,748
Average equity$4,794,8005,078
Average total loans$39,877,4004,553
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1363%3,510
Cost of funding earning assets0.9289%807
Net interest margin3.2074%4,496
Noninterest income to average assets1.3893%493
Noninterest expense to average assets2.7295%2,878
Loan and lease loss provision to assets0.9397%92
Net operating income to assets0.6309%4,418
Return on assets (ROA)0.6309%4,434
Pretax return on assets0.7562%4,413
Return on Equity (ROE)7.9064%3,584
Retained earnings to average equity (ytd only)6.5326%2,369
Net charge-offs to loans1.4003%87
Credit loss provision to net charge-offs99.0566%2,307
Earnings coverage of net charge-offs (x)1.7877%3,313
Efficiency ratio61.6785%3,556
Assets per employee ($millions)4.5088%3,112
Cash dividends to net income (ytd only)*17.3755%3,112
Condition Ratios (%)
Loss allowance to loans1.9778%506
Loan loss allowance to noncurrent loans45.3225%4,489
Noncurrent assets plus other real estate owned to assets3.5844%156
Noncurrent loans to loans4.3639%173
Net loans and leases to total assets65.9507%3,184
Net loans and leases to deposits82.4735%2,765
Net loans and leases to core deposits82.4735%3,291
Total domestic deposits to total assets79.9659%4,131
Equity capital to assets8.0918%5,139
Core capital (leverage) ratio8.6438%5,007
Tier 1 risk-based capital ratio12.6587%4,111
Total risk-based capital ratio13.9158%4,000
Memoranda:
Average total assets$59,595,2504,825
Average earning assets$56,410,2504,790
Average equity$4,755,5005,147
Average total loans$40,372,2504,588
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1049%3,431
Cost of funding earning assets0.9083%713
Net interest margin3.1966%4,512
Noninterest income to average assets0.5674%2,489
Noninterest expense to average assets2.6201%3,267
Loan and lease loss provision to assets0.1001%1,946
Net operating income to assets0.7376%4,077
Return on assets (ROA)0.7376%4,077
Pretax return on assets0.9012%3,964
Return on Equity (ROE)9.2864%2,904
Retained earnings to average equity (ytd only)8.3619%1,465
Net charge-offs to loans0.0246%2,370
Credit loss provision to net charge-offs600.0000%616
Earnings coverage of net charge-offs (x)60.0000%999
Efficiency ratio72.3502%1,943
Assets per employee ($millions)4.4897%3,139
Cash dividends to net income (ytd only)*9.9548%3,301
Condition Ratios (%)
Loss allowance to loans1.9865%530
Loan loss allowance to noncurrent loans59.9259%4,222
Noncurrent assets plus other real estate owned to assets2.9641%252
Noncurrent loans to loans3.3149%314
Net loans and leases to total assets68.3891%2,814
Net loans and leases to deposits85.1614%2,412
Net loans and leases to core deposits85.7100%2,949
Total domestic deposits to total assets80.3053%4,177
Equity capital to assets8.2154%5,123
Core capital (leverage) ratio8.5552%5,070
Tier 1 risk-based capital ratio12.4957%4,182
Total risk-based capital ratio13.7549%4,077
Memoranda:
Average total assets$59,922,0004,873
Average earning assets$57,248,0004,833
Average equity$4,759,6705,200
Average total loans$40,684,0004,617
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0472%3,433
Cost of funding earning assets0.8894%632
Net interest margin3.1577%4,584
Noninterest income to average assets0.5535%2,508
Noninterest expense to average assets2.5568%3,470
Loan and lease loss provision to assets0.0988%1,869
Net operating income to assets0.7446%3,922
Return on assets (ROA)0.7446%3,923
Pretax return on assets0.9160%3,795
Return on Equity (ROE)9.5318%2,667
Retained earnings to average equity (ytd only)7.6761%1,964
Net charge-offs to loans0.0590%1,513
Credit loss provision to net charge-offs250.0000%905
Earnings coverage of net charge-offs (x)25.6667%1,338
Efficiency ratio71.5867%2,253
Assets per employee ($millions)4.6421%2,940
Cash dividends to net income (ytd only)*19.4690%2,409
Condition Ratios (%)
Loss allowance to loans1.9733%572
Loan loss allowance to noncurrent loans58.0102%4,287
Noncurrent assets plus other real estate owned to assets2.9463%276
Noncurrent loans to loans3.4016%312
Net loans and leases to total assets65.2791%3,137
Net loans and leases to deposits81.3052%2,657
Net loans and leases to core deposits81.8118%3,155
Total domestic deposits to total assets80.2890%4,367
Equity capital to assets7.7999%5,329
Core capital (leverage) ratio8.1799%5,325
Tier 1 risk-based capital ratio12.7344%4,098
Total risk-based capital ratio13.9942%3,980
Memoranda:
Average total assets$60,700,0004,910
Average earning assets$58,016,0004,874
Average equity$4,742,0005,259
Average total loans$40,663,5004,673
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0833%3,114
Cost of funding earning assets0.9853%235
Net interest margin3.0980%4,695
Noninterest income to average assets0.5395%2,776
Noninterest expense to average assets3.0794%1,920
Loan and lease loss provision to assets0.0875%2,437
Net operating income to assets0.2134%5,085
Return on assets (ROA)0.2260%5,073
Pretax return on assets0.3438%5,164
Return on Equity (ROE)3.0055%4,823
Retained earnings to average equity (ytd only)2.2859%3,950
Net charge-offs to loans0.6852%316
Credit loss provision to net charge-offs19.1638%3,619
Earnings coverage of net charge-offs (x)0.9024%3,950
Efficiency ratio88.1951%523
Assets per employee ($millions)4.6964%2,873
Cash dividends to net income (ytd only)*23.9437%3,536
Condition Ratios (%)
Loss allowance to loans1.9057%640
Loan loss allowance to noncurrent loans62.7702%4,224
Noncurrent assets plus other real estate owned to assets2.7321%316
Noncurrent loans to loans3.0360%366
Net loans and leases to total assets66.0999%3,089
Net loans and leases to deposits82.4366%2,680
Net loans and leases to core deposits83.0405%3,150
Total domestic deposits to total assets80.1828%4,304
Equity capital to assets7.8243%5,450
Core capital (leverage) ratio7.8820%5,481
Tier 1 risk-based capital ratio12.1823%4,408
Total risk-based capital ratio13.4404%4,299
Memoranda:
Average total assets$62,836,2004,904
Average earning assets$59,877,6004,860
Average equity$4,724,6005,315
Average total loans$41,882,8004,670
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0598%3,140
Cost of funding earning assets0.9934%202
Net interest margin3.0664%4,786
Noninterest income to average assets0.5288%2,846
Noninterest expense to average assets3.2215%1,515
Loan and lease loss provision to assets0.0843%2,407
Net operating income to assets0.2044%5,350
Return on assets (ROA)0.2297%5,338
Pretax return on assets0.1685%5,407
Return on Equity (ROE)3.0846%5,089
Retained earnings to average equity (ytd only)2.1225%4,591
Net charge-offs to loans0.9096%201
Credit loss provision to net charge-offs13.9373%3,198
Earnings coverage of net charge-offs (x)0.3763%3,672
Efficiency ratio93.4026%309
Assets per employee ($millions)4.7596%2,747
Cash dividends to net income (ytd only)*31.1911%2,699
Condition Ratios (%)
Loss allowance to loans1.8573%770
Loan loss allowance to noncurrent loans62.6221%4,279
Noncurrent assets plus other real estate owned to assets2.6909%363
Noncurrent loans to loans2.9659%436
Net loans and leases to total assets65.6727%3,154
Net loans and leases to deposits82.4005%2,732
Net loans and leases to core deposits83.6920%3,155
Total domestic deposits to total assets79.6994%4,392
Equity capital to assets7.7592%5,586
Core capital (leverage) ratio7.5450%5,613
Tier 1 risk-based capital ratio11.8177%4,752
Total risk-based capital ratio13.0757%4,617
Memoranda:
Average total assets$63,282,0004,950
Average earning assets$60,263,7504,905
Average equity$4,711,5005,375
Average total loans$42,068,5004,714
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0390%3,045
Cost of funding earning assets0.9883%187
Net interest margin3.0507%4,790
Noninterest income to average assets0.5365%2,786
Noninterest expense to average assets3.2219%1,532
Loan and lease loss provision to assets0.0784%2,415
Net operating income to assets0.2165%5,373
Return on assets (ROA)0.2290%5,369
Pretax return on assets0.1537%5,463
Return on Equity (ROE)3.1185%5,081
Retained earnings to average equity (ytd only)1.6661%4,591
Net charge-offs to loans1.2580%153
Credit loss provision to net charge-offs9.3985%2,859
Earnings coverage of net charge-offs (x)0.2632%3,392
Efficiency ratio93.6190%318
Assets per employee ($millions)4.9742%2,422
Cash dividends to net income (ytd only)*46.5753%2,016
Condition Ratios (%)
Loss allowance to loans1.8551%786
Loan loss allowance to noncurrent loans119.0476%3,242
Noncurrent assets plus other real estate owned to assets1.7134%829
Noncurrent loans to loans1.5583%1,199
Net loans and leases to total assets63.4068%3,469
Net loans and leases to deposits78.9974%3,020
Net loans and leases to core deposits82.9094%3,181
Total domestic deposits to total assets80.2644%4,355
Equity capital to assets7.4523%5,661
Core capital (leverage) ratio7.2252%5,689
Tier 1 risk-based capital ratio11.5229%4,942
Total risk-based capital ratio12.7823%4,833
Memoranda:
Average total assets$63,751,0004,977
Average earning assets$60,708,0004,934
Average equity$4,681,6705,420
Average total loans$42,290,0004,737
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0467%2,869
Cost of funding earning assets0.9951%170
Net interest margin3.0516%4,786
Noninterest income to average assets0.5498%2,665
Noninterest expense to average assets2.8944%2,466
Loan and lease loss provision to assets0.0316%3,151
Net operating income to assets0.5309%4,462
Return on assets (ROA)0.5309%4,504
Pretax return on assets0.5309%4,898
Return on Equity (ROE)7.2838%3,277
Retained earnings to average equity (ytd only)4.3356%3,256
Net charge-offs to loans0.4043%454
Credit loss provision to net charge-offs11.6279%2,216
Earnings coverage of net charge-offs (x)2.0698%2,643
Efficiency ratio83.7294%995
Assets per employee ($millions)5.3009%2,074
Cash dividends to net income (ytd only)*40.4762%1,990
Condition Ratios (%)
Loss allowance to loans2.3262%399
Loan loss allowance to noncurrent loans60.3704%4,416
Noncurrent assets plus other real estate owned to assets3.2667%281
Noncurrent loans to loans3.8532%278
Net loans and leases to total assets64.5564%3,191
Net loans and leases to deposits77.6716%3,017
Net loans and leases to core deposits81.4620%3,145
Total domestic deposits to total assets83.1146%3,795
Equity capital to assets7.3148%5,717
Core capital (leverage) ratio7.5476%5,697
Tier 1 risk-based capital ratio10.3992%5,589
Total risk-based capital ratio11.6601%5,504
Memoranda:
Average total assets$63,294,0005,044
Average earning assets$60,296,5004,996
Average equity$4,613,0005,487
Average total loans$42,546,5004,772
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1170%2,781
Cost of funding earning assets1.0141%158
Net interest margin3.1029%4,717
Noninterest income to average assets0.4776%3,361
Noninterest expense to average assets3.1401%1,926
Loan and lease loss provision to assets0.0807%2,746
Net operating income to assets0.2243%5,372
Return on assets (ROA)0.4115%4,983
Pretax return on assets0.4115%5,209
Return on Equity (ROE)4.8867%4,482
Retained earnings to average equity (ytd only)3.1620%3,661
Net charge-offs to loans0.1194%2,060
Credit loss provision to net charge-offs104.1667%2,486
Earnings coverage of net charge-offs (x)3.9375%3,588
Efficiency ratio91.1475%498
Assets per employee ($millions)4.8822%2,525
Cash dividends to net income (ytd only)*35.2941%3,105
Condition Ratios (%)
Loss allowance to loans1.2195%3,002
Loan loss allowance to noncurrent loans110.2941%3,422
Noncurrent assets plus other real estate owned to assets1.4700%1,152
Noncurrent loans to loans1.1057%1,873
Net loans and leases to total assets67.0023%2,930
Net loans and leases to deposits82.0898%2,661
Net loans and leases to core deposits86.1737%2,833
Total domestic deposits to total assets81.6207%4,172
Equity capital to assets7.9788%5,577
Core capital (leverage) ratio8.2423%5,481
Tier 1 risk-based capital ratio11.1351%5,267
Total risk-based capital ratio12.2580%5,233
Memoranda:
Average total assets$61,972,4005,091
Average earning assets$59,266,4005,039
Average equity$5,218,2005,430
Average total loans$40,197,4004,876
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1134%2,827
Cost of funding earning assets1.0199%155
Net interest margin3.0935%4,788
Noninterest income to average assets0.4719%3,418
Noninterest expense to average assets3.2251%1,721
Loan and lease loss provision to assets0.0866%2,495
Net operating income to assets0.1147%5,608
Return on assets (ROA)0.3615%5,224
Pretax return on assets0.3615%5,365
Return on Equity (ROE)4.2357%4,817
Retained earnings to average equity (ytd only)2.3334%4,524
Net charge-offs to loans0.1655%1,383
Credit loss provision to net charge-offs81.6327%2,642
Earnings coverage of net charge-offs (x)1.8981%3,645
Efficiency ratio94.1251%382
Assets per employee ($millions)4.4282%3,198
Cash dividends to net income (ytd only)*44.9115%2,129
Condition Ratios (%)
Loss allowance to loans1.2652%2,865
Loan loss allowance to noncurrent loans139.6739%2,931
Noncurrent assets plus other real estate owned to assets1.3759%1,358
Noncurrent loans to loans0.9058%2,433
Net loans and leases to total assets64.7004%3,311
Net loans and leases to deposits77.7873%3,209
Net loans and leases to core deposits81.6659%3,311
Total domestic deposits to total assets83.1761%3,524
Equity capital to assets8.6120%5,464
Core capital (leverage) ratio8.2722%5,518
Tier 1 risk-based capital ratio11.8783%4,864
Total risk-based capital ratio13.0679%4,802
Memoranda:
Average total assets$61,598,5005,153
Average earning assets$58,831,0005,095
Average equity$5,256,7505,476
Average total loans$39,484,2504,941
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0909%2,902
Cost of funding earning assets1.0117%161
Net interest margin3.0793%4,888
Noninterest income to average assets0.4718%3,396
Noninterest expense to average assets3.2408%1,713
Loan and lease loss provision to assets0.1302%1,757
Net operating income to assets0.0423%5,732
Return on assets (ROA)0.2896%5,435
Pretax return on assets0.2896%5,515
Return on Equity (ROE)3.4039%5,124
Retained earnings to average equity (ytd only)1.8740%4,616
Net charge-offs to loans0.1944%1,181
Credit loss provision to net charge-offs105.2632%2,026
Earnings coverage of net charge-offs (x)1.3947%3,415
Efficiency ratio94.9476%381
Assets per employee ($millions)4.4252%3,173
Cash dividends to net income (ytd only)*44.9438%2,198
Condition Ratios (%)
Loss allowance to loans1.3127%2,721
Loan loss allowance to noncurrent loans147.8873%2,896
Noncurrent assets plus other real estate owned to assets1.4543%1,333
Noncurrent loans to loans0.8877%2,516
Net loans and leases to total assets63.7064%3,410
Net loans and leases to deposits76.7800%3,297
Net loans and leases to core deposits80.6127%3,404
Total domestic deposits to total assets82.9726%3,668
Equity capital to assets8.7163%5,471
Core capital (leverage) ratio8.2086%5,596
Tier 1 risk-based capital ratio11.5687%5,107
Total risk-based capital ratio12.7619%5,032
Memoranda:
Average total assets$61,466,3305,211
Average earning assets$58,715,0005,143
Average equity$5,229,3305,537
Average total loans$39,104,0005,001
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0835%2,910
Cost of funding earning assets1.0055%164
Net interest margin3.0780%4,926
Noninterest income to average assets0.4965%3,144
Noninterest expense to average assets3.1426%1,976
Loan and lease loss provision to assets0.1960%1,005
Net operating income to assets0.0980%5,682
Return on assets (ROA)0.1699%5,642
Pretax return on assets0.1699%5,670
Return on Equity (ROE)2.0218%5,496
Retained earnings to average equity (ytd only)0.0778%5,087
Net charge-offs to loans0.0621%1,877
Credit loss provision to net charge-offs500.0000%597
Earnings coverage of net charge-offs (x)7.5000%2,145
Efficiency ratio91.4449%583
Assets per employee ($millions)4.4077%3,236
Cash dividends to net income (ytd only)*96.1538%748
Condition Ratios (%)
Loss allowance to loans1.4038%2,401
Loan loss allowance to noncurrent loans126.9142%3,119
Noncurrent assets plus other real estate owned to assets1.8118%1,018
Noncurrent loans to loans1.1061%2,190
Net loans and leases to total assets62.2594%3,491
Net loans and leases to deposits74.7728%3,342
Net loans and leases to core deposits78.5006%3,447
Total domestic deposits to total assets83.2647%3,804
Equity capital to assets8.4884%5,573
Core capital (leverage) ratio8.2363%5,621
Tier 1 risk-based capital ratio11.6951%5,108
Total risk-based capital ratio12.9454%5,020
Memoranda:
Average total assets$61,223,0005,262
Average earning assets$58,479,0005,201
Average equity$5,144,0005,597
Average total loans$38,659,5005,060
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0547%3,093
Cost of funding earning assets1.0363%139
Net interest margin3.0184%5,093
Noninterest income to average assets0.5511%3,004
Noninterest expense to average assets2.9401%2,727
Loan and lease loss provision to assets0.1238%1,942
Net operating income to assets0.3171%5,309
Return on assets (ROA)0.4595%4,926
Pretax return on assets0.4595%5,205
Return on Equity (ROE)5.5128%4,277
Retained earnings to average equity (ytd only)4.4957%2,784
Net charge-offs to loans0.5000%531
Credit loss provision to net charge-offs40.7821%3,523
Earnings coverage of net charge-offs (x)1.4525%4,084
Efficiency ratio86.9609%913
Assets per employee ($millions)4.6722%2,772
Cash dividends to net income (ytd only)*18.4502%3,830
Condition Ratios (%)
Loss allowance to loans1.3636%2,591
Loan loss allowance to noncurrent loans119.4064%3,279
Noncurrent assets plus other real estate owned to assets1.8440%1,018
Noncurrent loans to loans1.1420%2,057
Net loans and leases to total assets62.2839%3,517
Net loans and leases to deposits75.1117%3,373
Net loans and leases to core deposits78.9260%3,450
Total domestic deposits to total assets82.9217%3,862
Equity capital to assets8.3144%5,695
Core capital (leverage) ratio8.2527%5,642
Tier 1 risk-based capital ratio11.6545%5,160
Total risk-based capital ratio12.8884%5,084
Memoranda:
Average total assets$58,978,2005,343
Average earning assets$55,294,2005,315
Average equity$4,915,8005,672
Average total loans$35,800,0005,160
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0627%3,090
Cost of funding earning assets1.0328%151
Net interest margin3.0300%5,125
Noninterest income to average assets0.5899%2,804
Noninterest expense to average assets2.9427%2,697
Loan and lease loss provision to assets0.1321%1,698
Net operating income to assets0.3417%5,339
Return on assets (ROA)0.5056%4,855
Pretax return on assets0.5056%5,203
Return on Equity (ROE)6.0626%4,124
Retained earnings to average equity (ytd only)5.1069%2,841
Net charge-offs to loans0.6674%326
Credit loss provision to net charge-offs32.9545%3,249
Earnings coverage of net charge-offs (x)1.1818%3,874
Efficiency ratio86.1333%995
Assets per employee ($millions)4.5855%2,860
Cash dividends to net income (ytd only)*15.7674%3,389
Condition Ratios (%)
Loss allowance to loans1.4323%2,443
Loan loss allowance to noncurrent loans94.8052%3,789
Noncurrent assets plus other real estate owned to assets2.0633%971
Noncurrent loans to loans1.5108%1,664
Net loans and leases to total assets58.9898%4,011
Net loans and leases to deposits70.9258%3,887
Net loans and leases to core deposits74.5827%3,950
Total domestic deposits to total assets83.1712%3,745
Equity capital to assets8.2970%5,829
Core capital (leverage) ratio8.2967%5,720
Tier 1 risk-based capital ratio12.3007%4,887
Total risk-based capital ratio13.5493%4,788
Memoranda:
Average total assets$58,538,2505,422
Average earning assets$54,609,0005,394
Average equity$4,882,2505,755
Average total loans$35,161,7505,243
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0646%3,031
Cost of funding earning assets1.0356%141
Net interest margin3.0289%5,153
Noninterest income to average assets0.5603%2,976
Noninterest expense to average assets2.9873%2,595
Loan and lease loss provision to assets0.1478%1,449
Net operating income to assets0.2303%5,626
Return on assets (ROA)0.4709%4,983
Pretax return on assets0.4709%5,300
Return on Equity (ROE)5.6367%4,306
Retained earnings to average equity (ytd only)4.1967%3,363
Net charge-offs to loans0.7031%326
Credit loss provision to net charge-offs34.9593%2,872
Earnings coverage of net charge-offs (x)0.8943%3,607
Efficiency ratio88.7640%850
Assets per employee ($millions)4.4566%3,054
Cash dividends to net income (ytd only)*25.5474%2,974
Condition Ratios (%)
Loss allowance to loans1.5597%2,051
Loan loss allowance to noncurrent loans88.4058%3,994
Noncurrent assets plus other real estate owned to assets2.4113%803
Noncurrent loans to loans1.7643%1,451
Net loans and leases to total assets59.8074%3,863
Net loans and leases to deposits69.1824%4,021
Net loans and leases to core deposits72.4971%4,088
Total domestic deposits to total assets86.4488%2,460
Equity capital to assets8.1952%5,882
Core capital (leverage) ratio8.2825%5,724
Tier 1 risk-based capital ratio12.0936%5,080
Total risk-based capital ratio13.3429%4,979
Memoranda:
Average total assets$58,180,3305,481
Average earning assets$53,880,3305,467
Average equity$4,861,0005,814
Average total loans$34,990,3305,297
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0067%3,209
Cost of funding earning assets1.0575%129
Net interest margin2.9492%5,344
Noninterest income to average assets0.5008%3,281
Noninterest expense to average assets2.8404%3,104
Loan and lease loss provision to assets0.1715%1,149
Net operating income to assets0.2058%5,670
Return on assets (ROA)0.4254%5,095
Pretax return on assets0.4254%5,374
Return on Equity (ROE)5.0432%4,505
Retained earnings to average equity (ytd only)4.2298%3,474
Net charge-offs to loans1.2383%172
Credit loss provision to net charge-offs23.1481%2,335
Earnings coverage of net charge-offs (x)0.5093%3,038
Efficiency ratio88.2729%1,000
Assets per employee ($millions)4.4592%3,120
Cash dividends to net income (ytd only)*16.1290%2,625
Condition Ratios (%)
Loss allowance to loans1.5871%2,098
Loan loss allowance to noncurrent loans237.3913%1,933
Noncurrent assets plus other real estate owned to assets1.7181%1,454
Noncurrent loans to loans0.6685%3,610
Net loans and leases to total assets58.4043%3,886
Net loans and leases to deposits67.8307%3,974
Net loans and leases to core deposits71.0923%4,052
Total domestic deposits to total assets86.1032%2,887
Equity capital to assets8.5337%5,719
Core capital (leverage) ratio8.2024%5,808
Tier 1 risk-based capital ratio14.1724%3,900
Total risk-based capital ratio15.4260%3,824
Memoranda:
Average total assets$58,302,5005,536
Average earning assets$53,710,0005,521
Average equity$4,917,5005,853
Average total loans$34,886,0005,333
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2409%2,816
Cost of funding earning assets1.1089%127
Net interest margin3.1320%5,123
Noninterest income to average assets0.5400%3,236
Noninterest expense to average assets2.9849%2,888
Loan and lease loss provision to assets0.2691%812
Net operating income to assets0.2213%5,726
Return on assets (ROA)0.5311%4,768
Pretax return on assets0.5311%5,165
Return on Equity (ROE)6.5181%3,886
Retained earnings to average equity (ytd only)4.8234%2,742
Net charge-offs to loans0.2290%1,838
Credit loss provision to net charge-offs194.8718%1,268
Earnings coverage of net charge-offs (x)3.5513%3,865
Efficiency ratio85.8889%1,186
Assets per employee ($millions)4.1882%3,568
Cash dividends to net income (ytd only)*26.0000%3,561
Condition Ratios (%)
Loss allowance to loans1.7784%1,579
Loan loss allowance to noncurrent loans439.8601%1,188
Noncurrent assets plus other real estate owned to assets1.5213%1,790
Noncurrent loans to loans0.4043%4,425
Net loans and leases to total assets59.2479%3,889
Net loans and leases to deposits68.6263%4,062
Net loans and leases to core deposits71.8645%4,135
Total domestic deposits to total assets86.3341%2,651
Equity capital to assets8.3363%5,874
Core capital (leverage) ratio8.2175%5,844
Tier 1 risk-based capital ratio13.2651%4,556
Total risk-based capital ratio14.5219%4,478
Memoranda:
Average total assets$56,483,6005,640
Average earning assets$52,937,4005,594
Average equity$4,602,6005,960
Average total loans$34,065,4005,394
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2395%2,841
Cost of funding earning assets1.1073%138
Net interest margin3.1322%5,168
Noninterest income to average assets0.5362%3,282
Noninterest expense to average assets3.0124%2,765
Loan and lease loss provision to assets0.3456%514
Net operating income to assets0.1311%5,975
Return on assets (ROA)0.4814%5,018
Pretax return on assets0.4814%5,375
Return on Equity (ROE)5.9438%4,266
Retained earnings to average equity (ytd only)4.6784%3,301
Net charge-offs to loans0.3398%1,183
Credit loss provision to net charge-offs168.6047%1,458
Earnings coverage of net charge-offs (x)2.3257%3,943
Efficiency ratio86.3388%1,153
Assets per employee ($millions)4.0674%3,739
Cash dividends to net income (ytd only)*21.2862%3,163
Condition Ratios (%)
Loss allowance to loans1.7592%1,797
Loan loss allowance to noncurrent loans767.5000%697
Noncurrent assets plus other real estate owned to assets1.4418%2,140
Noncurrent loans to loans0.2292%5,207
Net loans and leases to total assets60.2153%3,750
Net loans and leases to deposits69.8208%3,937
Net loans and leases to core deposits73.2217%4,027
Total domestic deposits to total assets86.2426%2,735
Equity capital to assets8.3064%5,935
Core capital (leverage) ratio8.2869%5,847
Tier 1 risk-based capital ratio13.3253%4,661
Total risk-based capital ratio14.5817%4,589
Memoranda:
Average total assets$55,945,7505,713
Average earning assets$52,741,2505,663
Average equity$4,531,2506,042
Average total loans$33,739,5005,461
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2394%2,811
Cost of funding earning assets1.0931%152
Net interest margin3.1464%5,105
Noninterest income to average assets0.5538%3,089
Noninterest expense to average assets2.9957%2,842
Loan and lease loss provision to assets0.1259%1,961
Net operating income to assets0.4136%5,159
Return on assets (ROA)0.6689%4,099
Pretax return on assets0.6689%4,739
Return on Equity (ROE)8.3315%2,920
Retained earnings to average equity (ytd only)6.4054%2,087
Net charge-offs to loans0.1979%1,843
Credit loss provision to net charge-offs106.0606%1,889
Earnings coverage of net charge-offs (x)4.5455%3,086
Efficiency ratio84.7406%1,419
Assets per employee ($millions)3.9821%3,879
Cash dividends to net income (ytd only)*23.1183%3,070
Condition Ratios (%)
Loss allowance to loans1.6237%2,379
Loan loss allowance to noncurrent loans78.4507%4,246
Noncurrent assets plus other real estate owned to assets1.4511%2,244
Noncurrent loans to loans2.0697%1,618
Net loans and leases to total assets60.5356%3,627
Net loans and leases to deposits69.4303%3,893
Net loans and leases to core deposits72.8741%3,955
Total domestic deposits to total assets87.1890%2,353
Equity capital to assets8.3715%5,899
Core capital (leverage) ratio8.3039%5,842
Tier 1 risk-based capital ratio12.2037%5,414
Total risk-based capital ratio13.4559%5,331
Memoranda:
Average total assets$55,613,0005,774
Average earning assets$52,695,6705,713
Average equity$4,465,0006,103
Average total loans$33,351,6705,520
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2746%2,614
Cost of funding earning assets1.0955%167
Net interest margin3.1792%4,988
Noninterest income to average assets0.5329%3,171
Noninterest expense to average assets3.0390%2,733
Loan and lease loss provision to assets0.1080%2,133
Net operating income to assets0.3745%5,207
Return on assets (ROA)0.5689%4,433
Pretax return on assets0.5689%4,938
Return on Equity (ROE)7.2411%3,331
Retained earnings to average equity (ytd only)6.6911%2,193
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.2986%1,418
Assets per employee ($millions)4.0789%3,761
Cash dividends to net income (ytd only)*7.5949%2,734
Condition Ratios (%)
Loss allowance to loans1.7382%2,225
Loan loss allowance to noncurrent loans90.0474%3,888
Noncurrent assets plus other real estate owned to assets1.2818%2,723
Noncurrent loans to loans1.9303%1,950
Net loans and leases to total assets56.4276%4,089
Net loans and leases to deposits65.0720%4,199
Net loans and leases to core deposits68.2373%4,282
Total domestic deposits to total assets86.7157%2,986
Equity capital to assets7.8487%6,148
Core capital (leverage) ratio8.4096%5,739
Tier 1 risk-based capital ratio13.8116%4,462
Total risk-based capital ratio15.0660%4,408
Memoranda:
Average total assets$55,545,0005,828
Average earning assets$52,215,0005,782
Average equity$4,364,0006,169
Average total loans$32,875,0005,590
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3674%2,701
Cost of funding earning assets1.2940%112
Net interest margin3.0734%5,395
Noninterest income to average assets0.5149%3,665
Noninterest expense to average assets2.8773%3,438
Loan and lease loss provision to assets0.1372%2,589
Net operating income to assets0.3571%5,308
Return on assets (ROA)0.4116%5,220
Pretax return on assets0.4116%5,471
Return on Equity (ROE)4.8958%4,678
Retained earnings to average equity (ytd only)1.7884%4,957
Net charge-offs to loans0.3191%2,087
Credit loss provision to net charge-offs71.5686%3,261
Earnings coverage of net charge-offs (x)2.5784%4,142
Efficiency ratio85.3400%1,484
Assets per employee ($millions)4.1527%3,526
Cash dividends to net income (ytd only)*63.4703%1,607
Condition Ratios (%)
Loss allowance to loans1.6840%2,449
Loan loss allowance to noncurrent loans47.0738%5,380
Noncurrent assets plus other real estate owned to assets2.2154%1,614
Noncurrent loans to loans3.5774%863
Net loans and leases to total assets60.0204%3,718
Net loans and leases to deposits68.1058%4,040
Net loans and leases to core deposits70.5357%4,239
Total domestic deposits to total assets88.1282%2,102
Equity capital to assets7.8651%6,106
Core capital (leverage) ratio8.3538%5,821
Tier 1 risk-based capital ratio13.6623%4,542
Total risk-based capital ratio14.9173%4,488
Memoranda:
Average total assets$53,210,4005,933
Average earning assets$49,457,4005,906
Average equity$4,473,2006,212
Average total loans$31,968,0005,669
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3663%2,704
Cost of funding earning assets1.3257%110
Net interest margin3.0406%5,488
Noninterest income to average assets0.5181%3,688
Noninterest expense to average assets2.7613%3,788
Loan and lease loss provision to assets0.1132%2,880
Net operating income to assets0.4527%5,017
Return on assets (ROA)0.4602%5,122
Pretax return on assets0.4602%5,475
Return on Equity (ROE)5.3861%4,521
Retained earnings to average equity (ytd only)4.0029%3,851
Net charge-offs to loans0.2816%2,132
Credit loss provision to net charge-offs67.1642%3,128
Earnings coverage of net charge-offs (x)3.3582%3,728
Efficiency ratio82.9932%1,707
Assets per employee ($millions)4.1582%3,506
Cash dividends to net income (ytd only)*25.6855%2,858
Condition Ratios (%)
Loss allowance to loans1.6956%2,633
Loan loss allowance to noncurrent loans62.0309%4,741
Noncurrent assets plus other real estate owned to assets1.8314%2,227
Noncurrent loans to loans2.7335%1,542
Net loans and leases to total assets60.2734%3,657
Net loans and leases to deposits68.4971%4,006
Net loans and leases to core deposits70.9415%4,217
Total domestic deposits to total assets87.9942%2,133
Equity capital to assets8.0785%6,093
Core capital (leverage) ratio8.4267%5,834
Tier 1 risk-based capital ratio13.8805%4,516
Total risk-based capital ratio15.1371%4,466
Memoranda:
Average total assets$53,016,7506,008
Average earning assets$48,980,2505,990
Average equity$4,530,0006,275
Average total loans$31,720,7505,738
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4227%2,482
Cost of funding earning assets1.3455%116
Net interest margin3.0772%5,342
Noninterest income to average assets0.4974%3,857
Noninterest expense to average assets2.7036%4,017
Loan and lease loss provision to assets0.1139%2,914
Net operating income to assets0.4936%4,826
Return on assets (ROA)0.5050%4,943
Pretax return on assets0.5050%5,355
Return on Equity (ROE)5.8024%4,288
Retained earnings to average equity (ytd only)4.0573%3,717
Net charge-offs to loans0.3904%1,660
Credit loss provision to net charge-offs49.1803%3,226
Earnings coverage of net charge-offs (x)2.6230%3,649
Efficiency ratio81.6514%1,937
Assets per employee ($millions)4.0790%3,624
Cash dividends to net income (ytd only)*30.0752%2,669
Condition Ratios (%)
Loss allowance to loans1.7140%2,727
Loan loss allowance to noncurrent loans102.7881%3,389
Noncurrent assets plus other real estate owned to assets1.1881%3,374
Noncurrent loans to loans1.6675%2,813
Net loans and leases to total assets59.7997%3,691
Net loans and leases to deposits68.1540%3,987
Net loans and leases to core deposits70.6299%4,202
Total domestic deposits to total assets87.7421%2,419
Equity capital to assets8.2524%6,016
Core capital (leverage) ratio8.4478%5,727
Tier 1 risk-based capital ratio14.1149%4,348
Total risk-based capital ratio15.3702%4,306
Memoranda:
Average total assets$52,670,0006,058
Average earning assets$48,160,6706,037
Average equity$4,584,3306,306
Average total loans$31,246,3305,794
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5365%2,034
Cost of funding earning assets1.3491%126
Net interest margin3.1874%4,965
Noninterest income to average assets0.4801%3,922
Noninterest expense to average assets2.7357%3,932
Loan and lease loss provision to assets0.1905%1,933
Net operating income to assets0.4344%4,982
Return on assets (ROA)0.4344%5,141
Pretax return on assets0.4344%5,455
Return on Equity (ROE)4.8630%4,656
Retained earnings to average equity (ytd only)4.4364%3,576
Net charge-offs to loans0.7157%857
Credit loss provision to net charge-offs45.4545%2,673
Earnings coverage of net charge-offs (x)1.4909%3,334
Efficiency ratio81.4059%2,129
Assets per employee ($millions)4.1200%3,698
Cash dividends to net income (ytd only)*8.7719%2,502
Condition Ratios (%)
Loss allowance to loans1.8102%2,588
Loan loss allowance to noncurrent loans346.2500%1,159
Noncurrent assets plus other real estate owned to assets0.4705%5,209
Noncurrent loans to loans0.5228%5,129
Net loans and leases to total assets56.1072%4,064
Net loans and leases to deposits64.3380%4,278
Net loans and leases to core deposits66.2938%4,495
Total domestic deposits to total assets87.2069%2,828
Equity capital to assets8.7416%5,771
Core capital (leverage) ratio8.5417%5,527
Tier 1 risk-based capital ratio14.6290%4,084
Total risk-based capital ratio15.8863%4,041
Memoranda:
Average total assets$52,491,5006,112
Average earning assets$47,437,5006,113
Average equity$4,688,5006,339
Average total loans$30,738,0005,859
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9417%1,710
Cost of funding earning assets1.4406%214
Net interest margin3.5011%4,496
Noninterest income to average assets0.4399%4,324
Noninterest expense to average assets2.8852%3,696
Loan and lease loss provision to assets0.4844%1,261
Net operating income to assets0.3100%5,433
Return on assets (ROA)0.5774%4,610
Pretax return on assets0.5774%5,063
Return on Equity (ROE)6.4346%3,946
Retained earnings to average equity (ytd only)4.8152%2,836
Net charge-offs to loans0.9150%1,232
Credit loss provision to net charge-offs88.9680%3,514
Earnings coverage of net charge-offs (x)1.4591%4,716
Efficiency ratio78.4097%2,373
Assets per employee ($millions)3.6731%4,619
Cash dividends to net income (ytd only)*25.1678%3,563
Condition Ratios (%)
Loss allowance to loans1.8917%2,317
Loan loss allowance to noncurrent loans270.3704%1,420
Noncurrent assets plus other real estate owned to assets0.6203%4,920
Noncurrent loans to loans0.6997%4,790
Net loans and leases to total assets58.8978%3,818
Net loans and leases to deposits68.0194%3,979
Net loans and leases to core deposits70.1852%4,285
Total domestic deposits to total assets86.5897%3,044
Equity capital to assets9.1302%5,361
Core capital (leverage) ratio9.0483%4,819
Tier 1 risk-based capital ratio14.6138%3,955
Total risk-based capital ratio15.8713%3,907
Memoranda:
Average total assets$51,608,0006,158
Average earning assets$47,756,8006,129
Average equity$4,631,2006,403
Average total loans$30,711,6005,914
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9792%1,745
Cost of funding earning assets1.4620%238
Net interest margin3.5172%4,577
Noninterest income to average assets0.4440%4,334
Noninterest expense to average assets2.8135%3,938
Loan and lease loss provision to assets0.5162%1,176
Net operating income to assets0.3743%5,357
Return on assets (ROA)0.5111%5,062
Pretax return on assets0.5111%5,433
Return on Equity (ROE)5.7200%4,476
Retained earnings to average equity (ytd only)4.7090%3,588
Net charge-offs to loans0.9129%1,191
Credit loss provision to net charge-offs95.2381%3,138
Earnings coverage of net charge-offs (x)1.6429%4,457
Efficiency ratio75.9582%2,688
Assets per employee ($millions)3.8929%4,104
Cash dividends to net income (ytd only)*17.6787%3,150
Condition Ratios (%)
Loss allowance to loans1.9867%2,202
Loan loss allowance to noncurrent loans156.3307%2,199
Noncurrent assets plus other real estate owned to assets0.9939%4,291
Noncurrent loans to loans1.2709%3,927
Net loans and leases to total assets58.9768%3,962
Net loans and leases to deposits68.3702%4,118
Net loans and leases to core deposits70.5920%4,422
Total domestic deposits to total assets86.2611%3,112
Equity capital to assets9.2950%5,475
Core capital (leverage) ratio8.5591%5,678
Tier 1 risk-based capital ratio14.6273%4,097
Total risk-based capital ratio15.8865%4,057
Memoranda:
Average total assets$51,654,2506,229
Average earning assets$47,878,2506,200
Average equity$4,615,2506,482
Average total loans$30,671,7505,993
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0979%1,508
Cost of funding earning assets1.4827%255
Net interest margin3.6152%4,197
Noninterest income to average assets0.4154%4,541
Noninterest expense to average assets2.7229%4,312
Loan and lease loss provision to assets0.6923%799
Net operating income to assets0.3384%5,470
Return on assets (ROA)0.4269%5,354
Pretax return on assets0.4269%5,641
Return on Equity (ROE)4.8412%4,877
Retained earnings to average equity (ytd only)3.3147%4,396
Net charge-offs to loans1.2945%827
Credit loss provision to net charge-offs90.4523%3,035
Earnings coverage of net charge-offs (x)1.3467%4,329
Efficiency ratio72.5410%3,335
Assets per employee ($millions)4.0554%3,757
Cash dividends to net income (ytd only)*31.5315%2,550
Condition Ratios (%)
Loss allowance to loans1.9586%2,346
Loan loss allowance to noncurrent loans156.8421%2,143
Noncurrent assets plus other real estate owned to assets0.9408%4,488
Noncurrent loans to loans1.2488%4,054
Net loans and leases to total assets56.5895%4,385
Net loans and leases to deposits67.8786%4,223
Net loans and leases to core deposits70.0608%4,528
Total domestic deposits to total assets83.3687%4,590
Equity capital to assets8.7633%5,956
Core capital (leverage) ratio8.2494%5,995
Tier 1 risk-based capital ratio14.0756%4,385
Total risk-based capital ratio15.3354%4,343
Memoranda:
Average total assets$52,003,0006,261
Average earning assets$48,020,0006,232
Average equity$4,585,6706,520
Average total loans$30,745,0006,025
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0417%1,747
Cost of funding earning assets1.4907%297
Net interest margin3.5510%4,482
Noninterest income to average assets0.4880%3,994
Noninterest expense to average assets2.7341%4,302
Loan and lease loss provision to assets0.4647%1,325
Net operating income to assets0.5731%4,476
Return on assets (ROA)0.7513%3,850
Pretax return on assets0.7513%4,600
Return on Equity (ROE)8.4929%3,060
Retained earnings to average equity (ytd only)8.4929%1,780
Net charge-offs to loans0.7378%1,382
Credit loss provision to net charge-offs105.2632%2,194
Earnings coverage of net charge-offs (x)2.3509%3,233
Efficiency ratio72.4846%3,344
Assets per employee ($millions)4.0249%3,958
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.0233%2,288
Loan loss allowance to noncurrent loans55.8266%4,749
Noncurrent assets plus other real estate owned to assets2.3450%2,541
Noncurrent loans to loans3.6243%1,715
Net loans and leases to total assets57.1936%4,187
Net loans and leases to deposits68.5810%3,953
Net loans and leases to core deposits70.8023%4,320
Total domestic deposits to total assets83.3958%4,763
Equity capital to assets8.7474%5,811
Core capital (leverage) ratio8.4522%5,671
Tier 1 risk-based capital ratio14.0173%4,465
Total risk-based capital ratio15.2755%4,419
Memoranda:
Average total assets$51,644,5006,319
Average earning assets$47,761,5006,281
Average equity$4,568,5006,556
Average total loans$30,902,5006,067
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3907%1,440
Cost of funding earning assets1.6415%406
Net interest margin3.7492%4,084
Noninterest income to average assets0.5223%3,702
Noninterest expense to average assets2.8585%4,135
Loan and lease loss provision to assets0.9369%1,026
Net operating income to assets0.2372%5,471
Return on assets (ROA)0.4226%4,954
Pretax return on assets0.4226%5,222
Return on Equity (ROE)5.0932%4,347
Retained earnings to average equity (ytd only)3.1712%3,958
Net charge-offs to loans0.4194%3,333
Credit loss provision to net charge-offs364.3411%637
Earnings coverage of net charge-offs (x)4.5659%3,064
Efficiency ratio70.8848%3,800
Assets per employee ($millions)3.9204%4,032
Cash dividends to net income (ytd only)*37.7358%2,721
Condition Ratios (%)
Loss allowance to loans1.9673%2,380
Loan loss allowance to noncurrent loans55.1570%4,749
Noncurrent assets plus other real estate owned to assets2.3840%2,543
Noncurrent loans to loans3.5667%1,794
Net loans and leases to total assets60.1315%3,969
Net loans and leases to deposits72.5590%3,725
Net loans and leases to core deposits74.9804%4,104
Total domestic deposits to total assets82.8726%4,798
Equity capital to assets8.9473%5,610
Core capital (leverage) ratio8.3586%5,765
Tier 1 risk-based capital ratio13.6325%4,604
Total risk-based capital ratio14.8911%4,557
Memoranda:
Average total assets$50,166,2006,359
Average earning assets$46,969,6006,298
Average equity$4,162,4006,712
Average total loans$30,756,6006,130
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4369%1,421
Cost of funding earning assets1.6782%432
Net interest margin3.7588%4,071
Noninterest income to average assets0.5257%3,692
Noninterest expense to average assets2.8712%4,054
Loan and lease loss provision to assets1.2168%638
Net operating income to assets-0.0480%6,217
Return on assets (ROA)-0.0480%6,314
Pretax return on assets-0.0480%6,277
Return on Equity (ROE)-0.5907%6,330
Retained earnings to average equity (ytd only)-2.2314%6,323
Net charge-offs to loans0.3395%3,397
Credit loss provision to net charge-offs584.6154%465
Earnings coverage of net charge-offs (x)5.6153%2,737
Efficiency ratio71.0700%3,728
Assets per employee ($millions)3.9387%3,980
Cash dividends to net income (ytd only)*-277.7917%7,416
Condition Ratios (%)
Loss allowance to loans2.0879%2,092
Loan loss allowance to noncurrent loans65.9252%4,161
Noncurrent assets plus other real estate owned to assets2.1483%2,978
Noncurrent loans to loans3.1670%2,193
Net loans and leases to total assets59.7153%4,182
Net loans and leases to deposits71.6922%4,030
Net loans and leases to core deposits74.0590%4,435
Total domestic deposits to total assets83.2939%4,562
Equity capital to assets8.5425%6,255
Core capital (leverage) ratio8.0598%6,330
Tier 1 risk-based capital ratio13.0122%5,090
Total risk-based capital ratio14.2736%5,050
Memoranda:
Average total assets$49,966,5006,421
Average earning assets$46,716,5006,356
Average equity$4,063,0006,785
Average total loans$30,630,5006,194
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4387%1,451
Cost of funding earning assets1.7209%431
Net interest margin3.7178%4,183
Noninterest income to average assets0.5166%3,733
Noninterest expense to average assets2.8292%4,313
Loan and lease loss provision to assets1.5982%437
Net operating income to assets-0.4318%6,643
Return on assets (ROA)-0.4318%6,668
Pretax return on assets-0.4318%6,611
Return on Equity (ROE)-5.4050%6,739
Retained earnings to average equity (ytd only)-6.1627%6,669
Net charge-offs to loans0.4798%2,661
Credit loss provision to net charge-offs542.4658%566
Earnings coverage of net charge-offs (x)3.9589%3,007
Efficiency ratio70.8081%3,964
Assets per employee ($millions)3.8912%4,008
Cash dividends to net income (ytd only)*-14.0187%7,450
Condition Ratios (%)
Loss allowance to loans1.9533%2,497
Loan loss allowance to noncurrent loans63.4431%4,254
Noncurrent assets plus other real estate owned to assets2.1884%3,000
Noncurrent loans to loans3.0789%2,341
Net loans and leases to total assets59.2377%4,421
Net loans and leases to deposits71.5128%4,201
Net loans and leases to core deposits71.5128%4,886
Total domestic deposits to total assets82.8352%4,830
Equity capital to assets8.1485%6,552
Core capital (leverage) ratio7.9015%6,407
Tier 1 risk-based capital ratio13.0654%4,865
Total risk-based capital ratio14.3232%4,840
Memoranda:
Average total assets$49,554,3306,493
Average earning assets$46,371,0006,429
Average equity$3,959,3306,860
Average total loans$30,431,3306,259
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4380%1,454
Cost of funding earning assets1.7346%483
Net interest margin3.7034%4,083
Noninterest income to average assets0.4813%4,041
Noninterest expense to average assets2.8875%4,113
Loan and lease loss provision to assets3.1078%152
Net operating income to assets-2.0311%7,285
Return on assets (ROA)-2.0311%7,283
Pretax return on assets-2.0311%7,257
Return on Equity (ROE)-25.6833%7,282
Retained earnings to average equity (ytd only)-27.2305%7,266
Net charge-offs to loans0.7509%1,718
Credit loss provision to net charge-offs668.4211%563
Earnings coverage of net charge-offs (x)2.3158%3,151
Efficiency ratio72.8395%3,710
Assets per employee ($millions)3.7983%4,300
Cash dividends to net income (ytd only)*-6.0241%7,511
Condition Ratios (%)
Loss allowance to loans1.9885%2,450
Loan loss allowance to noncurrent loans71.1905%3,865
Noncurrent assets plus other real estate owned to assets2.0475%3,263
Noncurrent loans to loans2.7932%2,707
Net loans and leases to total assets59.6926%4,328
Net loans and leases to deposits71.7537%4,105
Net loans and leases to core deposits71.7537%4,820
Total domestic deposits to total assets83.1909%4,856
Equity capital to assets7.6309%6,796
Core capital (leverage) ratio7.7854%6,478
Tier 1 risk-based capital ratio12.7139%5,049
Total risk-based capital ratio13.9733%5,018
Memoranda:
Average total assets$49,038,5006,556
Average earning assets$46,119,5006,485
Average equity$3,878,0006,914
Average total loans$30,365,5006,319
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8716%1,098
Cost of funding earning assets2.0360%529
Net interest margin3.8356%3,796
Noninterest income to average assets0.4880%4,265
Noninterest expense to average assets2.9385%4,074
Loan and lease loss provision to assets0.4514%3,416
Net operating income to assets0.6900%3,270
Return on assets (ROA)0.9028%2,511
Pretax return on assets0.9028%3,282
Return on Equity (ROE)10.4953%1,766
Retained earnings to average equity (ytd only)8.2463%903
Net charge-offs to loans0.5416%3,442
Credit loss provision to net charge-offs127.2727%3,164
Earnings coverage of net charge-offs (x)3.2182%3,467
Efficiency ratio72.0232%3,789
Assets per employee ($millions)3.7461%4,373
Cash dividends to net income (ytd only)*21.4286%3,396
Condition Ratios (%)
Loss allowance to loans0.8937%6,743
Loan loss allowance to noncurrent loans31.6397%6,191
Noncurrent assets plus other real estate owned to assets2.1951%3,105
Noncurrent loans to loans2.8247%2,695
Net loans and leases to total assets62.3914%4,203
Net loans and leases to deposits77.5636%3,583
Net loans and leases to core deposits77.5636%4,514
Total domestic deposits to total assets80.4390%5,711
Equity capital to assets8.1891%6,272
Core capital (leverage) ratio8.4142%5,511
Tier 1 risk-based capital ratio13.2411%4,417
Total risk-based capital ratio14.1348%4,667
Memoranda:
Average total assets$46,520,6006,650
Average earning assets$43,565,8006,592
Average equity$4,001,8007,002
Average total loans$30,463,0006,369
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9165%1,097
Cost of funding earning assets2.0681%596
Net interest margin3.8483%3,759
Noninterest income to average assets0.5133%4,077
Noninterest expense to average assets2.9667%3,864
Loan and lease loss provision to assets0.2610%4,496
Net operating income to assets0.8903%2,646
Return on assets (ROA)0.9541%2,530
Pretax return on assets0.9541%3,350
Return on Equity (ROE)10.9521%1,800
Retained earnings to average equity (ytd only)9.6870%869
Net charge-offs to loans0.1315%5,244
Credit loss provision to net charge-offs300.0000%1,059
Earnings coverage of net charge-offs (x)13.2330%1,604
Efficiency ratio72.0423%3,687
Assets per employee ($millions)3.6675%4,572
Cash dividends to net income (ytd only)*11.5511%3,275
Condition Ratios (%)
Loss allowance to loans0.9469%6,585
Loan loss allowance to noncurrent loans72.2500%3,696
Noncurrent assets plus other real estate owned to assets1.3424%4,480
Noncurrent loans to loans1.3105%4,673
Net loans and leases to total assets63.4121%4,233
Net loans and leases to deposits80.0471%3,439
Net loans and leases to core deposits80.0471%4,513
Total domestic deposits to total assets79.2185%5,965
Equity capital to assets8.9666%5,628
Core capital (leverage) ratio8.5785%5,377
Tier 1 risk-based capital ratio13.2571%4,384
Total risk-based capital ratio14.2099%4,592
Memoranda:
Average total assets$45,976,0006,741
Average earning assets$43,065,2506,697
Average equity$4,005,2507,091
Average total loans$30,414,2506,457
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9848%983
Cost of funding earning assets2.1334%586
Net interest margin3.8514%3,671
Noninterest income to average assets0.5153%3,994
Noninterest expense to average assets2.9377%3,929
Loan and lease loss provision to assets0.2643%4,282
Net operating income to assets0.9073%2,530
Return on assets (ROA)0.9073%2,640
Pretax return on assets0.9073%3,465
Return on Equity (ROE)10.5227%1,920
Retained earnings to average equity (ytd only)8.9903%1,110
Net charge-offs to loans0.1119%5,041
Credit loss provision to net charge-offs352.9412%1,035
Earnings coverage of net charge-offs (x)15.6471%1,445
Efficiency ratio71.4898%3,907
Assets per employee ($millions)3.5348%4,828
Cash dividends to net income (ytd only)*14.5631%3,056
Condition Ratios (%)
Loss allowance to loans0.8904%6,792
Loan loss allowance to noncurrent loans93.1507%2,945
Noncurrent assets plus other real estate owned to assets1.0054%5,136
Noncurrent loans to loans0.9559%5,393
Net loans and leases to total assets65.8840%3,861
Net loans and leases to deposits83.2875%3,014
Net loans and leases to core deposits83.2875%4,241
Total domestic deposits to total assets79.1043%6,006
Equity capital to assets8.7918%5,765
Core capital (leverage) ratio8.5284%5,360
Tier 1 risk-based capital ratio13.0662%4,384
Total risk-based capital ratio13.9760%4,635
Memoranda:
Average total assets$45,409,0006,812
Average earning assets$42,374,3306,761
Average equity$3,915,3307,148
Average total loans$30,378,3306,509
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0610%856
Cost of funding earning assets2.1927%603
Net interest margin3.8683%3,467
Noninterest income to average assets0.5228%3,867
Noninterest expense to average assets2.7826%4,552
Loan and lease loss provision to assets0.2659%3,897
Net operating income to assets1.0546%1,989
Return on assets (ROA)1.0546%2,050
Pretax return on assets1.0546%2,893
Return on Equity (ROE)12.3540%1,403
Retained earnings to average equity (ytd only)11.8349%774
Net charge-offs to loans0.2641%3,354
Credit loss provision to net charge-offs150.0000%2,371
Earnings coverage of net charge-offs (x)7.4500%2,089
Efficiency ratio67.8186%4,754
Assets per employee ($millions)3.5171%4,990
Cash dividends to net income (ytd only)*4.2017%2,487
Condition Ratios (%)
Loss allowance to loans0.7930%7,146
Loan loss allowance to noncurrent loans81.9113%3,336
Noncurrent assets plus other real estate owned to assets1.0126%5,129
Noncurrent loans to loans0.9681%5,400
Net loans and leases to total assets65.6708%3,937
Net loans and leases to deposits82.8463%3,133
Net loans and leases to core deposits82.8463%4,373
Total domestic deposits to total assets79.2682%6,015
Equity capital to assets8.5867%5,889
Core capital (leverage) ratio8.5637%5,267
Tier 1 risk-based capital ratio12.8274%4,457
Total risk-based capital ratio13.6283%4,803
Memoranda:
Average total assets$45,137,5006,905
Average earning assets$41,775,5006,868
Average equity$3,853,0007,230
Average total loans$30,294,0006,590
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1324%1,428
Cost of funding earning assets2.5495%895
Net interest margin3.5829%4,607
Noninterest income to average assets0.5262%4,207
Noninterest expense to average assets3.0745%3,854
Loan and lease loss provision to assets0.2964%5,060
Net operating income to assets0.5331%3,601
Return on assets (ROA)0.6733%3,093
Pretax return on assets0.6733%3,670
Return on Equity (ROE)7.9283%2,400
Retained earnings to average equity (ytd only)5.8989%1,391
Net charge-offs to loans0.6327%3,308
Credit loss provision to net charge-offs69.3548%6,501
Earnings coverage of net charge-offs (x)1.9409%4,266
Efficiency ratio78.7522%3,082
Assets per employee ($millions)3.4272%5,189
Cash dividends to net income (ytd only)*25.5973%3,487
Condition Ratios (%)
Loss allowance to loans0.7552%7,249
Loan loss allowance to noncurrent loans57.1072%4,570
Noncurrent assets plus other real estate owned to assets0.9696%5,167
Noncurrent loans to loans1.3225%4,712
Net loans and leases to total assets67.5443%3,806
Net loans and leases to deposits85.9284%2,923
Net loans and leases to core deposits99.1401%4,098
Total domestic deposits to total assets78.6053%6,089
Equity capital to assets8.4843%5,906
Core capital (leverage) ratio8.3973%5,447
Tier 1 risk-based capital ratio12.5797%4,463
Total risk-based capital ratio13.3522%4,817
Memoranda:
Average total assets$43,518,6006,964
Average earning assets$41,028,2006,907
Average equity$3,695,6007,386
Average total loans$29,396,2006,666
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1058%1,633
Cost of funding earning assets2.6205%982
Net interest margin3.4853%4,923
Noninterest income to average assets0.5363%4,183
Noninterest expense to average assets2.9526%4,237
Loan and lease loss provision to assets0.3359%4,321
Net operating income to assets0.5394%3,833
Return on assets (ROA)0.6287%3,563
Pretax return on assets0.6287%4,088
Return on Equity (ROE)7.4021%2,906
Retained earnings to average equity (ytd only)6.6039%1,663
Net charge-offs to loans0.7772%2,418
Credit loss provision to net charge-offs64.1176%6,103
Earnings coverage of net charge-offs (x)1.6706%4,544
Efficiency ratio77.1337%3,294
Assets per employee ($millions)3.1599%5,756
Cash dividends to net income (ytd only)*10.7835%3,494
Condition Ratios (%)
Loss allowance to loans0.7460%7,272
Loan loss allowance to noncurrent loans69.7531%3,829
Noncurrent assets plus other real estate owned to assets0.8703%5,343
Noncurrent loans to loans1.0695%5,174
Net loans and leases to total assets67.9694%3,969
Net loans and leases to deposits86.9122%3,155
Net loans and leases to core deposits101.4953%4,213
Total domestic deposits to total assets78.2048%6,018
Equity capital to assets8.7027%5,945
Core capital (leverage) ratio8.5090%5,473
Tier 1 risk-based capital ratio12.5689%4,493
Total risk-based capital ratio13.3381%4,835
Memoranda:
Average total assets$43,260,0007,028
Average earning assets$40,856,0006,965
Average equity$3,674,5007,454
Average total loans$29,164,7506,729
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1080%1,766
Cost of funding earning assets2.6883%1,065
Net interest margin3.4197%5,096
Noninterest income to average assets0.5217%4,258
Noninterest expense to average assets2.9441%4,316
Loan and lease loss provision to assets0.4193%3,441
Net operating income to assets0.3820%4,577
Return on assets (ROA)0.4332%4,478
Pretax return on assets0.4332%4,841
Return on Equity (ROE)5.1438%4,013
Retained earnings to average equity (ytd only)4.2588%2,930
Net charge-offs to loans1.0143%1,748
Credit loss provision to net charge-offs61.6438%5,568
Earnings coverage of net charge-offs (x)1.1781%4,644
Efficiency ratio78.6070%3,253
Assets per employee ($millions)3.0752%5,930
Cash dividends to net income (ytd only)*17.2043%3,224
Condition Ratios (%)
Loss allowance to loans0.7844%7,202
Loan loss allowance to noncurrent loans69.4864%3,958
Noncurrent assets plus other real estate owned to assets0.8408%5,311
Noncurrent loans to loans1.1288%4,962
Net loans and leases to total assets67.5748%4,237
Net loans and leases to deposits81.7701%4,264
Net loans and leases to core deposits100.7654%4,430
Total domestic deposits to total assets82.6400%4,406
Equity capital to assets8.4291%6,153
Core capital (leverage) ratio8.3881%5,645
Tier 1 risk-based capital ratio12.5459%4,492
Total risk-based capital ratio13.3501%4,754
Memoranda:
Average total assets$42,933,6707,099
Average earning assets$40,471,3307,035
Average equity$3,616,0007,535
Average total loans$28,788,0006,807
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1176%1,881
Cost of funding earning assets2.7311%1,170
Net interest margin3.3865%5,183
Noninterest income to average assets0.5318%4,047
Noninterest expense to average assets2.9388%4,017
Loan and lease loss provision to assets0.1399%5,163
Net operating income to assets0.6344%3,867
Return on assets (ROA)0.7184%3,666
Pretax return on assets0.7184%4,366
Return on Equity (ROE)8.5330%2,915
Retained earnings to average equity (ytd only)7.6465%1,953
Net charge-offs to loans0.1683%3,623
Credit loss provision to net charge-offs125.0000%3,173
Earnings coverage of net charge-offs (x)6.9167%2,416
Efficiency ratio79.1457%2,974
Assets per employee ($millions)3.0612%5,990
Cash dividends to net income (ytd only)*10.3896%2,710
Condition Ratios (%)
Loss allowance to loans1.0061%6,131
Loan loss allowance to noncurrent loans101.7606%3,020
Noncurrent assets plus other real estate owned to assets1.2133%4,249
Noncurrent loans to loans0.9887%5,020
Net loans and leases to total assets66.3532%4,497
Net loans and leases to deposits79.0422%4,769
Net loans and leases to core deposits97.9033%4,753
Total domestic deposits to total assets83.9466%3,739
Equity capital to assets8.5587%5,976
Core capital (leverage) ratio8.4136%5,692
Tier 1 risk-based capital ratio12.6905%4,400
Total risk-based capital ratio13.7150%4,492
Memoranda:
Average total assets$42,874,0007,136
Average earning assets$40,277,0007,084
Average equity$3,609,5007,588
Average total loans$28,520,5006,845
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4707%3,112
Cost of funding earning assets3.2055%1,171
Net interest margin3.2652%6,160
Noninterest income to average assets0.5497%4,232
Noninterest expense to average assets3.0321%3,963
Loan and lease loss provision to assets0.4691%2,954
Net operating income to assets0.1246%6,039
Return on assets (ROA)0.2003%5,664
Pretax return on assets0.2003%5,728
Return on Equity (ROE)2.4805%5,427
Retained earnings to average equity (ytd only)1.5427%4,299
Net charge-offs to loans0.6459%1,916
Credit loss provision to net charge-offs112.2807%4,800
Earnings coverage of net charge-offs (x)1.4211%5,409
Efficiency ratio83.6253%2,102
Assets per employee ($millions)3.0636%5,881
Cash dividends to net income (ytd only)*37.8049%3,748
Condition Ratios (%)
Loss allowance to loans1.0101%5,939
Loan loss allowance to noncurrent loans101.7794%3,405
Noncurrent assets plus other real estate owned to assets0.6551%5,252
Noncurrent loans to loans0.9924%4,611
Net loans and leases to total assets65.3494%4,980
Net loans and leases to deposits78.5720%5,257
Net loans and leases to core deposits98.4061%5,001
Total domestic deposits to total assets83.1713%3,698
Equity capital to assets8.2791%6,447
Core capital (leverage) ratio8.4033%5,756
Tier 1 risk-based capital ratio12.4565%4,469
Total risk-based capital ratio13.4712%4,541
Memoranda:
Average total assets$40,928,8007,175
Average earning assets$38,558,4007,108
Average equity$3,305,8007,742
Average total loans$26,476,0006,934