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Platte Valley Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8760%4,095
Cost of funding earning assets0.1079%4,326
Net interest margin2.7681%3,733
Noninterest income to average assets0.2232%4,036
Noninterest expense to average assets1.9882%3,711
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.7179%3,578
Return on assets (ROA)0.7179%3,637
Pretax return on assets0.9027%3,512
Return on Equity (ROE)5.6542%3,850
Retained earnings to average equity (ytd only)2.7913%3,728
Net charge-offs to loans-0.0161%3,902
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.7740%1,886
Assets per employee ($millions)8.8078%980
Cash dividends to net income (ytd only)*50.6329%1,482
Condition Ratios (%)
Loss allowance to loans1.0311%3,628
Loan loss allowance to noncurrent loans3,515.3846%350
Noncurrent assets plus other real estate owned to assets0.0123%4,019
Noncurrent loans to loans0.0293%3,864
Net loans and leases to total assets41.5013%4,001
Net loans and leases to deposits48.6141%3,961
Net loans and leases to core deposits49.2406%4,045
Total domestic deposits to total assets85.3689%3,148
Equity capital to assets11.9298%1,281
Core capital (leverage) ratio12.4638%942
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$99,035,2003,996
Average earning assets$95,445,8003,959
Average equity$12,574,8003,871
Average total loans$43,489,6004,122
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0474%3,910
Cost of funding earning assets0.1124%4,408
Net interest margin2.9350%3,469
Noninterest income to average assets0.2232%4,069
Noninterest expense to average assets1.9814%3,739
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.8476%3,397
Return on assets (ROA)0.8476%3,454
Pretax return on assets1.0667%3,279
Return on Equity (ROE)6.5677%3,780
Retained earnings to average equity (ytd only)2.7480%3,985
Net charge-offs to loans-0.0216%3,996
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.0045%2,245
Assets per employee ($millions)8.4224%1,076
Cash dividends to net income (ytd only)*58.1583%900
Condition Ratios (%)
Loss allowance to loans1.0941%3,465
Loan loss allowance to noncurrent loans3,046.6667%337
Noncurrent assets plus other real estate owned to assets0.0148%4,118
Noncurrent loans to loans0.0359%3,950
Net loans and leases to total assets40.8750%4,159
Net loans and leases to deposits47.4632%4,148
Net loans and leases to core deposits48.0971%4,232
Total domestic deposits to total assets86.1194%2,701
Equity capital to assets12.5132%1,167
Core capital (leverage) ratio12.7324%918
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$97,370,7504,062
Average earning assets$93,716,7504,027
Average equity$12,566,2503,929
Average total loans$43,281,7504,180
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3357%3,342
Cost of funding earning assets0.1164%4,466
Net interest margin3.2194%2,698
Noninterest income to average assets0.2517%3,894
Noninterest expense to average assets2.0075%3,674
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.0735%2,635
Return on assets (ROA)1.0735%2,711
Pretax return on assets1.3522%2,471
Return on Equity (ROE)8.2301%3,338
Retained earnings to average equity (ytd only)4.2426%3,442
Net charge-offs to loans-0.0320%4,179
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.7523%3,046
Assets per employee ($millions)8.3753%1,049
Cash dividends to net income (ytd only)*48.4496%1,289
Condition Ratios (%)
Loss allowance to loans1.1381%3,252
Loan loss allowance to noncurrent loans2,856.2500%318
Noncurrent assets plus other real estate owned to assets0.0159%4,182
Noncurrent loans to loans0.0398%3,996
Net loans and leases to total assets39.4973%4,308
Net loans and leases to deposits45.5381%4,324
Net loans and leases to core deposits46.1447%4,389
Total domestic deposits to total assets86.7347%2,454
Equity capital to assets12.6175%1,082
Core capital (leverage) ratio12.8529%835
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$96,138,0004,103
Average earning assets$92,813,3334,060
Average equity$12,539,3333,940
Average total loans$43,786,0004,199
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3868%3,238
Cost of funding earning assets0.1233%4,507
Net interest margin3.2635%2,501
Noninterest income to average assets0.2810%3,716
Noninterest expense to average assets1.9924%3,740
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.1452%2,347
Return on assets (ROA)1.1452%2,413
Pretax return on assets1.4432%2,157
Return on Equity (ROE)8.6297%3,152
Retained earnings to average equity (ytd only)0.6095%4,285
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9926%3,300
Assets per employee ($millions)7.8148%1,276
Cash dividends to net income (ytd only)*92.9368%469
Condition Ratios (%)
Loss allowance to loans1.0182%3,775
Loan loss allowance to noncurrent loans1,097.5610%616
Noncurrent assets plus other real estate owned to assets0.0437%4,063
Noncurrent loans to loans0.0928%3,841
Net loans and leases to total assets46.6490%3,910
Net loans and leases to deposits54.3280%3,917
Net loans and leases to core deposits55.1110%4,038
Total domestic deposits to total assets85.8654%2,786
Equity capital to assets13.2708%844
Core capital (leverage) ratio13.4145%755
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$93,955,5004,143
Average earning assets$90,824,0004,087
Average equity$12,468,5003,959
Average total loans$45,602,5004,177
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4544%4,108
Cost of funding earning assets0.2154%4,527
Net interest margin3.2390%3,250
Noninterest income to average assets0.2415%4,046
Noninterest expense to average assets2.0151%4,113
Loan and lease loss provision to assets0.4188%717
Net operating income to assets0.7400%3,298
Return on assets (ROA)0.7400%3,421
Pretax return on assets0.9228%3,307
Return on Equity (ROE)5.4675%3,760
Retained earnings to average equity (ytd only)5.4675%2,064
Net charge-offs to loans0.9232%148
Credit loss provision to net charge-offs84.7534%2,960
Earnings coverage of net charge-offs (x)2.7152%3,137
Efficiency ratio60.0330%3,453
Assets per employee ($millions)7.8445%1,099
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.9573%4,008
Loan loss allowance to noncurrent loans2,142.8571%368
Noncurrent assets plus other real estate owned to assets0.0223%4,280
Noncurrent loans to loans0.0447%4,120
Net loans and leases to total assets49.4603%3,864
Net loans and leases to deposits59.1556%3,818
Net loans and leases to core deposits60.2253%3,932
Total domestic deposits to total assets83.6106%3,236
Equity capital to assets13.2704%1,010
Core capital (leverage) ratio14.1233%664
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$90,268,2004,117
Average earning assets$86,817,0004,067
Average equity$12,217,6003,953
Average total loans$48,311,0004,141
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6682%3,864
Cost of funding earning assets0.2378%4,543
Net interest margin3.4304%2,815
Noninterest income to average assets0.2389%4,060
Noninterest expense to average assets2.0828%3,984
Loan and lease loss provision to assets0.1489%2,535
Net operating income to assets1.0347%2,208
Return on assets (ROA)1.0347%2,336
Pretax return on assets1.3019%2,040
Return on Equity (ROE)7.6054%2,960
Retained earnings to average equity (ytd only)7.6054%1,458
Net charge-offs to loans-0.0027%3,930
Credit loss provision to net charge-offs-10,000.0000%4,343
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.9354%3,526
Assets per employee ($millions)7.2294%1,359
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.2329%2,484
Loan loss allowance to noncurrent loans2,813.6364%261
Noncurrent assets plus other real estate owned to assets0.0254%4,336
Noncurrent loans to loans0.0438%4,210
Net loans and leases to total assets57.1611%3,506
Net loans and leases to deposits68.8660%3,405
Net loans and leases to core deposits70.2264%3,610
Total domestic deposits to total assets83.0035%3,146
Equity capital to assets14.4410%745
Core capital (leverage) ratio13.6614%790
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$89,301,7504,131
Average earning assets$85,780,0004,084
Average equity$12,149,0003,962
Average total loans$48,636,5004,158
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8198%3,812
Cost of funding earning assets0.2590%4,598
Net interest margin3.5609%2,607
Noninterest income to average assets0.2485%3,982
Noninterest expense to average assets2.0499%4,130
Loan and lease loss provision to assets0.1775%2,243
Net operating income to assets1.1470%1,811
Return on assets (ROA)1.1470%1,940
Pretax return on assets1.4376%1,619
Return on Equity (ROE)8.6004%2,528
Retained earnings to average equity (ytd only)8.6004%1,132
Net charge-offs to loans-0.0042%3,959
Credit loss provision to net charge-offs-8,000.0000%4,177
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.9322%3,953
Assets per employee ($millions)7.8058%1,040
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.2031%2,500
Loan loss allowance to noncurrent loans2,495.8333%248
Noncurrent assets plus other real estate owned to assets0.0256%4,427
Noncurrent loans to loans0.0482%4,290
Net loans and leases to total assets52.5126%3,990
Net loans and leases to deposits62.0309%4,003
Net loans and leases to core deposits63.1384%4,117
Total domestic deposits to total assets84.6555%2,517
Equity capital to assets13.1837%1,085
Core capital (leverage) ratio13.6115%847
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$90,151,3334,129
Average earning assets$86,495,6674,069
Average equity$12,022,6673,982
Average total loans$48,112,6674,175
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7522%4,294
Cost of funding earning assets0.2981%4,664
Net interest margin3.4541%3,144
Noninterest income to average assets0.2896%3,791
Noninterest expense to average assets2.0816%4,259
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.2037%1,505
Return on assets (ROA)1.2037%1,620
Pretax return on assets1.5114%1,274
Return on Equity (ROE)8.9717%2,120
Retained earnings to average equity (ytd only)8.9717%981
Net charge-offs to loans-0.0085%4,016
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9345%4,008
Assets per employee ($millions)7.4366%920
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1275%3,063
Loan loss allowance to noncurrent loans1,789.6552%326
Noncurrent assets plus other real estate owned to assets0.0325%4,458
Noncurrent loans to loans0.0630%4,285
Net loans and leases to total assets51.0012%4,180
Net loans and leases to deposits59.8942%4,202
Net loans and leases to core deposits61.0061%4,312
Total domestic deposits to total assets85.1522%2,354
Equity capital to assets13.4504%1,243
Core capital (leverage) ratio13.6952%991
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$88,392,5004,149
Average earning assets$84,536,5004,099
Average equity$11,859,5004,015
Average total loans$47,275,5004,198
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0173%4,218
Cost of funding earning assets0.3290%4,655
Net interest margin3.6883%2,843
Noninterest income to average assets0.2877%3,966
Noninterest expense to average assets2.2325%4,100
Loan and lease loss provision to assets0.1174%1,797
Net operating income to assets1.1415%2,286
Return on assets (ROA)1.1415%2,387
Pretax return on assets1.4398%2,010
Return on Equity (ROE)8.4015%2,988
Retained earnings to average equity (ytd only)4.7712%2,549
Net charge-offs to loans0.0659%2,147
Credit loss provision to net charge-offs322.5806%862
Earnings coverage of net charge-offs (x)42.7742%1,252
Efficiency ratio58.9092%3,848
Assets per employee ($millions)7.2952%935
Cash dividends to net income (ytd only)*43.2099%2,430
Condition Ratios (%)
Loss allowance to loans1.0676%3,119
Loan loss allowance to noncurrent loans252.6829%1,759
Noncurrent assets plus other real estate owned to assets0.2342%3,508
Noncurrent loans to loans0.4225%2,931
Net loans and leases to total assets54.8320%4,017
Net loans and leases to deposits64.5861%4,035
Net loans and leases to core deposits65.1400%4,224
Total domestic deposits to total assets84.8975%2,535
Equity capital to assets13.3787%1,334
Core capital (leverage) ratio13.6087%1,021
Tier 1 risk-based capital ratio20.7463%1,213
Total risk-based capital ratio21.6650%1,232
Memoranda:
Average total assets$85,151,0004,213
Average earning assets$80,850,2004,170
Average equity$11,569,4004,045
Average total loans$47,031,6004,236
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1138%4,124
Cost of funding earning assets0.3326%4,714
Net interest margin3.7812%2,651
Noninterest income to average assets0.2886%4,006
Noninterest expense to average assets2.1477%4,279
Loan and lease loss provision to assets0.0788%2,330
Net operating income to assets1.3104%1,810
Return on assets (ROA)1.3104%1,894
Pretax return on assets1.6478%1,477
Return on Equity (ROE)9.6063%2,619
Retained earnings to average equity (ytd only)9.6063%866
Net charge-offs to loans0.0086%3,061
Credit loss provision to net charge-offs1,666.6667%230
Earnings coverage of net charge-offs (x)364.9900%271
Efficiency ratio55.4335%4,224
Assets per employee ($millions)7.2021%953
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.0538%3,265
Loan loss allowance to noncurrent loans576.7442%873
Noncurrent assets plus other real estate owned to assets0.0995%4,216
Noncurrent loans to loans0.1827%3,880
Net loans and leases to total assets53.8872%4,189
Net loans and leases to deposits63.0007%4,236
Net loans and leases to core deposits63.5422%4,395
Total domestic deposits to total assets85.5343%2,195
Equity capital to assets13.8918%1,197
Core capital (leverage) ratio14.3806%883
Tier 1 risk-based capital ratio21.9189%1,081
Total risk-based capital ratio22.8265%1,103
Memoranda:
Average total assets$84,553,2504,272
Average earning assets$80,184,0004,238
Average equity$11,533,7504,092
Average total loans$46,659,7504,296
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0922%4,179
Cost of funding earning assets0.3245%4,757
Net interest margin3.7677%2,701
Noninterest income to average assets0.2907%3,998
Noninterest expense to average assets2.1899%4,244
Loan and lease loss provision to assets0.0596%2,631
Net operating income to assets1.2796%1,854
Return on assets (ROA)1.2796%1,910
Pretax return on assets1.6109%1,515
Return on Equity (ROE)9.4407%2,665
Retained earnings to average equity (ytd only)9.4407%925
Net charge-offs to loans0.0086%2,833
Credit loss provision to net charge-offs1,250.0000%284
Earnings coverage of net charge-offs (x)350.5000%224
Efficiency ratio56.7284%4,162
Assets per employee ($millions)6.9779%1,007
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.0188%3,506
Loan loss allowance to noncurrent loans555.2941%932
Noncurrent assets plus other real estate owned to assets0.1015%4,249
Noncurrent loans to loans0.1835%3,899
Net loans and leases to total assets54.7620%4,159
Net loans and leases to deposits64.1239%4,219
Net loans and leases to core deposits64.6920%4,378
Total domestic deposits to total assets85.4004%2,307
Equity capital to assets13.9834%1,126
Core capital (leverage) ratio14.2347%895
Tier 1 risk-based capital ratio22.0100%1,051
Total risk-based capital ratio22.8991%1,080
Memoranda:
Average total assets$83,929,3304,306
Average earning assets$79,517,0004,272
Average equity$11,376,3304,120
Average total loans$46,523,6704,326
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0915%4,148
Cost of funding earning assets0.3143%4,802
Net interest margin3.7772%2,608
Noninterest income to average assets0.2809%4,005
Noninterest expense to average assets2.1755%4,323
Loan and lease loss provision to assets0.1190%1,471
Net operating income to assets1.2187%1,992
Return on assets (ROA)1.2187%2,039
Pretax return on assets1.5328%1,672
Return on Equity (ROE)9.1347%2,748
Retained earnings to average equity (ytd only)9.1347%1,269
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.8408%4,233
Assets per employee ($millions)6.7093%1,133
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.0501%3,407
Loan loss allowance to noncurrent loans551.1628%966
Noncurrent assets plus other real estate owned to assets0.1068%4,274
Noncurrent loans to loans0.1905%3,903
Net loans and leases to total assets55.4781%4,100
Net loans and leases to deposits64.9479%4,128
Net loans and leases to core deposits65.8344%4,289
Total domestic deposits to total assets85.4194%2,520
Equity capital to assets14.1186%998
Core capital (leverage) ratio13.9389%973
Tier 1 risk-based capital ratio22.2056%1,027
Total risk-based capital ratio23.1286%1,039
Memoranda:
Average total assets$84,026,5004,353
Average earning assets$78,895,0004,324
Average equity$11,210,0004,167
Average total loans$46,622,0004,371
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8651%4,354
Cost of funding earning assets0.2339%4,876
Net interest margin3.6312%3,276
Noninterest income to average assets0.3121%4,030
Noninterest expense to average assets2.2322%4,265
Loan and lease loss provision to assets0.0484%3,212
Net operating income to assets1.1736%2,298
Return on assets (ROA)1.1736%2,283
Pretax return on assets1.4688%1,879
Return on Equity (ROE)8.9424%3,024
Retained earnings to average equity (ytd only)5.4023%2,535
Net charge-offs to loans0.1143%1,606
Credit loss provision to net charge-offs74.0741%2,937
Earnings coverage of net charge-offs (x)23.2222%1,859
Efficiency ratio59.5353%3,938
Assets per employee ($millions)7.2952%869
Cash dividends to net income (ytd only)*39.5876%2,539
Condition Ratios (%)
Loss allowance to loans0.9334%4,028
Loan loss allowance to noncurrent loans510.2273%1,083
Noncurrent assets plus other real estate owned to assets0.1005%4,324
Noncurrent loans to loans0.1829%3,926
Net loans and leases to total assets54.4367%4,249
Net loans and leases to deposits62.5139%4,345
Net loans and leases to core deposits63.6214%4,460
Total domestic deposits to total assets87.0793%1,750
Equity capital to assets12.6259%1,524
Core capital (leverage) ratio13.6295%1,031
Tier 1 risk-based capital ratio20.0086%1,302
Total risk-based capital ratio20.8146%1,360
Memoranda:
Average total assets$82,653,2004,387
Average earning assets$78,238,6004,343
Average equity$10,847,2004,181
Average total loans$47,245,4004,369
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7954%4,446
Cost of funding earning assets0.2128%4,977
Net interest margin3.5827%3,425
Noninterest income to average assets0.3291%3,950
Noninterest expense to average assets2.2022%4,320
Loan and lease loss provision to assets0.0655%2,665
Net operating income to assets1.1789%2,323
Return on assets (ROA)1.1789%2,327
Pretax return on assets1.4802%1,970
Return on Equity (ROE)8.8922%3,133
Retained earnings to average equity (ytd only)8.8922%1,261
Net charge-offs to loans0.1531%1,075
Credit loss provision to net charge-offs74.0741%2,592
Earnings coverage of net charge-offs (x)17.4811%2,109
Efficiency ratio58.7593%3,997
Assets per employee ($millions)6.8140%1,014
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.9380%4,100
Loan loss allowance to noncurrent loans504.4944%1,085
Noncurrent assets plus other real estate owned to assets0.1088%4,427
Noncurrent loans to loans0.1859%4,051
Net loans and leases to total assets57.9933%4,043
Net loans and leases to deposits67.5172%4,089
Net loans and leases to core deposits68.8144%4,259
Total domestic deposits to total assets85.8942%2,243
Equity capital to assets13.6178%1,094
Core capital (leverage) ratio14.0133%933
Tier 1 risk-based capital ratio21.0259%1,182
Total risk-based capital ratio21.8629%1,211
Memoranda:
Average total assets$81,431,0004,453
Average earning assets$77,705,5004,403
Average equity$10,795,7504,230
Average total loans$47,030,7504,417
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6646%4,660
Cost of funding earning assets0.1937%5,057
Net interest margin3.4709%3,731
Noninterest income to average assets0.3394%3,914
Noninterest expense to average assets2.2012%4,367
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.1486%2,397
Return on assets (ROA)1.1486%2,401
Pretax return on assets1.4437%2,006
Return on Equity (ROE)8.7431%3,151
Retained earnings to average equity (ytd only)8.7431%1,304
Net charge-offs to loans0.2267%703
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)11.0755%2,296
Efficiency ratio60.3914%3,883
Assets per employee ($millions)6.8004%1,015
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.8760%4,441
Loan loss allowance to noncurrent loans450.5495%1,191
Noncurrent assets plus other real estate owned to assets0.1115%4,438
Noncurrent loans to loans0.1944%4,029
Net loans and leases to total assets56.8507%4,093
Net loans and leases to deposits65.9123%4,170
Net loans and leases to core deposits67.1846%4,302
Total domestic deposits to total assets86.2521%2,166
Equity capital to assets13.3509%1,165
Core capital (leverage) ratio13.4836%1,070
Tier 1 risk-based capital ratio20.5390%1,241
Total risk-based capital ratio21.3026%1,282
Memoranda:
Average total assets$81,318,6704,492
Average earning assets$77,444,3304,448
Average equity$10,682,6704,276
Average total loans$46,751,3304,465
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5579%4,779
Cost of funding earning assets0.1922%5,066
Net interest margin3.3657%4,007
Noninterest income to average assets0.3301%3,944
Noninterest expense to average assets2.1287%4,588
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.1038%2,402
Return on assets (ROA)1.1038%2,419
Pretax return on assets1.3945%2,027
Return on Equity (ROE)8.4716%3,160
Retained earnings to average equity (ytd only)8.4716%1,668
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.4196%4,013
Assets per employee ($millions)6.7635%1,060
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.0260%3,807
Loan loss allowance to noncurrent loans350.7576%1,472
Noncurrent assets plus other real estate owned to assets0.1626%4,273
Noncurrent loans to loans0.2925%3,719
Net loans and leases to total assets55.0294%4,209
Net loans and leases to deposits63.7124%4,225
Net loans and leases to core deposits64.9455%4,372
Total domestic deposits to total assets86.3717%2,372
Equity capital to assets13.1416%1,177
Core capital (leverage) ratio13.2976%1,071
Tier 1 risk-based capital ratio20.8587%1,222
Total risk-based capital ratio21.7542%1,243
Memoranda:
Average total assets$81,175,5004,544
Average earning assets$77,011,5004,511
Average equity$10,576,5004,340
Average total loans$46,725,5004,513
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6624%4,426
Cost of funding earning assets0.1635%5,189
Net interest margin3.4989%3,534
Noninterest income to average assets0.3464%3,985
Noninterest expense to average assets2.5030%3,768
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.9715%2,360
Return on assets (ROA)0.9715%2,402
Pretax return on assets1.1591%2,949
Return on Equity (ROE)7.2637%3,144
Retained earnings to average equity (ytd only)4.8295%2,234
Net charge-offs to loans0.0443%2,901
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)42.3810%1,208
Efficiency ratio68.3499%2,826
Assets per employee ($millions)6.7658%1,072
Cash dividends to net income (ytd only)*33.5121%3,149
Condition Ratios (%)
Loss allowance to loans0.9581%4,169
Loan loss allowance to noncurrent loans353.4351%1,466
Noncurrent assets plus other real estate owned to assets0.1614%4,338
Noncurrent loans to loans0.2711%3,814
Net loans and leases to total assets58.9513%3,929
Net loans and leases to deposits68.1465%4,017
Net loans and leases to core deposits69.0520%4,231
Total domestic deposits to total assets86.5068%2,230
Equity capital to assets12.9168%1,305
Core capital (leverage) ratio12.9548%1,160
Tier 1 risk-based capital ratio19.0618%1,497
Total risk-based capital ratio19.8975%1,553
Memoranda:
Average total assets$76,786,8004,648
Average earning assets$72,765,8004,603
Average equity$10,270,2004,411
Average total loans$47,404,8004,530
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6320%4,485
Cost of funding earning assets0.1575%5,270
Net interest margin3.4745%3,588
Noninterest income to average assets0.3629%3,937
Noninterest expense to average assets2.3747%4,080
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.8949%3,055
Return on assets (ROA)0.8949%3,107
Pretax return on assets1.2913%2,532
Return on Equity (ROE)6.6300%3,850
Retained earnings to average equity (ytd only)5.2726%2,707
Net charge-offs to loans0.0594%2,272
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)34.9039%1,427
Efficiency ratio64.7765%3,410
Assets per employee ($millions)6.7389%1,054
Cash dividends to net income (ytd only)*20.4719%3,116
Condition Ratios (%)
Loss allowance to loans0.9813%4,180
Loan loss allowance to noncurrent loans812.2807%700
Noncurrent assets plus other real estate owned to assets0.0705%4,882
Noncurrent loans to loans0.1208%4,576
Net loans and leases to total assets57.7714%4,085
Net loans and leases to deposits66.8804%4,192
Net loans and leases to core deposits68.1825%4,353
Total domestic deposits to total assets86.3801%2,145
Equity capital to assets12.9039%1,438
Core capital (leverage) ratio13.5823%995
Tier 1 risk-based capital ratio19.3451%1,512
Total risk-based capital ratio20.2007%1,558
Memoranda:
Average total assets$75,686,2504,723
Average earning assets$71,950,7504,667
Average equity$10,216,0004,459
Average total loans$47,174,7504,574
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6304%4,427
Cost of funding earning assets0.1541%5,315
Net interest margin3.4763%3,486
Noninterest income to average assets0.3705%3,907
Noninterest expense to average assets2.5311%3,654
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.7923%3,429
Return on assets (ROA)0.7923%3,488
Pretax return on assets1.1331%3,040
Return on Equity (ROE)5.7774%4,143
Retained earnings to average equity (ytd only)4.8506%2,810
Net charge-offs to loans0.0890%1,721
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)19.9524%1,814
Efficiency ratio69.0775%2,836
Assets per employee ($millions)6.7984%1,017
Cash dividends to net income (ytd only)*16.0410%3,242
Condition Ratios (%)
Loss allowance to loans0.9736%4,302
Loan loss allowance to noncurrent loans771.6667%709
Noncurrent assets plus other real estate owned to assets0.0802%4,876
Noncurrent loans to loans0.1262%4,617
Net loans and leases to total assets62.9737%3,515
Net loans and leases to deposits73.5679%3,589
Net loans and leases to core deposits75.1336%3,849
Total domestic deposits to total assets85.5995%2,571
Equity capital to assets13.7426%1,061
Core capital (leverage) ratio14.1057%832
Tier 1 risk-based capital ratio19.2527%1,534
Total risk-based capital ratio20.1173%1,578
Memoranda:
Average total assets$73,959,3304,787
Average earning assets$70,075,3304,745
Average equity$10,143,0004,487
Average total loans$47,172,6704,605
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5613%4,514
Cost of funding earning assets0.1441%5,411
Net interest margin3.4172%3,589
Noninterest income to average assets0.4079%3,602
Noninterest expense to average assets2.5290%3,720
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.7723%3,353
Return on assets (ROA)0.7723%3,409
Pretax return on assets1.1040%2,964
Return on Equity (ROE)5.6372%4,066
Retained earnings to average equity (ytd only)5.6372%2,525
Net charge-offs to loans0.1788%937
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)9.6667%1,982
Efficiency ratio69.6108%2,953
Assets per employee ($millions)6.0170%1,500
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.9922%4,336
Loan loss allowance to noncurrent loans985.1064%609
Noncurrent assets plus other real estate owned to assets0.0651%5,015
Noncurrent loans to loans0.1007%4,790
Net loans and leases to total assets63.9840%3,282
Net loans and leases to deposits74.9899%3,307
Net loans and leases to core deposits76.6483%3,595
Total domestic deposits to total assets85.3235%2,953
Equity capital to assets14.0602%883
Core capital (leverage) ratio14.0058%840
Tier 1 risk-based capital ratio19.3854%1,521
Total risk-based capital ratio20.2648%1,572
Memoranda:
Average total assets$73,548,0004,840
Average earning assets$69,413,5004,795
Average equity$10,076,0004,531
Average total loans$46,981,0004,649
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6346%4,421
Cost of funding earning assets0.1452%5,451
Net interest margin3.4895%3,476
Noninterest income to average assets0.3713%4,095
Noninterest expense to average assets2.9514%2,495
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.5590%4,397
Return on assets (ROA)0.5590%4,500
Pretax return on assets0.7139%4,445
Return on Equity (ROE)4.0860%4,802
Retained earnings to average equity (ytd only)2.8041%3,906
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.5234%1,357
Assets per employee ($millions)6.2410%1,305
Cash dividends to net income (ytd only)*31.3725%3,258
Condition Ratios (%)
Loss allowance to loans1.0233%4,177
Loan loss allowance to noncurrent loans806.6667%710
Noncurrent assets plus other real estate owned to assets0.0801%5,022
Noncurrent loans to loans0.1268%4,729
Net loans and leases to total assets62.5113%3,544
Net loans and leases to deposits72.4369%3,665
Net loans and leases to core deposits73.9613%3,929
Total domestic deposits to total assets86.2976%2,459
Equity capital to assets13.3526%1,111
Core capital (leverage) ratio13.5439%959
Tier 1 risk-based capital ratio19.4632%1,490
Total risk-based capital ratio20.3991%1,522
Memoranda:
Average total assets$72,982,8004,868
Average earning assets$68,893,0004,829
Average equity$9,985,4004,581
Average total loans$47,165,8004,662
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6490%4,413
Cost of funding earning assets0.1457%5,506
Net interest margin3.5033%3,453
Noninterest income to average assets0.3843%4,032
Noninterest expense to average assets2.7344%3,241
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.6933%3,886
Return on assets (ROA)0.6933%4,020
Pretax return on assets0.9654%3,757
Return on Equity (ROE)5.0357%4,503
Retained earnings to average equity (ytd only)4.5549%3,100
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9066%2,298
Assets per employee ($millions)6.0458%1,398
Cash dividends to net income (ytd only)*9.5494%3,564
Condition Ratios (%)
Loss allowance to loans1.0185%4,305
Loan loss allowance to noncurrent loans780.6452%729
Noncurrent assets plus other real estate owned to assets0.0855%5,101
Noncurrent loans to loans0.1305%4,817
Net loans and leases to total assets64.8320%3,292
Net loans and leases to deposits75.8531%3,413
Net loans and leases to core deposits77.5170%3,704
Total domestic deposits to total assets85.4705%2,616
Equity capital to assets13.9795%1,041
Core capital (leverage) ratio14.0284%838
Tier 1 risk-based capital ratio18.7008%1,737
Total risk-based capital ratio19.5932%1,791
Memoranda:
Average total assets$72,505,5004,919
Average earning assets$68,619,7504,875
Average equity$9,981,7504,626
Average total loans$47,132,2504,699
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6436%4,468
Cost of funding earning assets0.1428%5,594
Net interest margin3.5007%3,490
Noninterest income to average assets0.3863%3,981
Noninterest expense to average assets2.6624%3,514
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.7422%3,590
Return on assets (ROA)0.7422%3,744
Pretax return on assets1.0374%3,449
Return on Equity (ROE)5.4188%4,323
Retained earnings to average equity (ytd only)4.6936%2,924
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.9612%2,661
Assets per employee ($millions)6.1634%1,291
Cash dividends to net income (ytd only)*13.3829%3,393
Condition Ratios (%)
Loss allowance to loans1.0232%4,387
Loan loss allowance to noncurrent loans864.2857%667
Noncurrent assets plus other real estate owned to assets0.0757%5,231
Noncurrent loans to loans0.1184%4,972
Net loans and leases to total assets63.3009%3,462
Net loans and leases to deposits73.7257%3,625
Net loans and leases to core deposits75.3028%3,883
Total domestic deposits to total assets85.8601%2,485
Equity capital to assets13.5855%1,189
Core capital (leverage) ratio14.1517%786
Tier 1 risk-based capital ratio18.6094%1,775
Total risk-based capital ratio19.5085%1,825
Memoranda:
Average total assets$72,491,0004,970
Average earning assets$68,614,3304,918
Average equity$9,928,3304,662
Average total loans$47,003,3304,736
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7574%4,111
Cost of funding earning assets0.1416%5,661
Net interest margin3.6158%3,021
Noninterest income to average assets0.3958%3,859
Noninterest expense to average assets2.6813%3,488
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.8083%3,197
Return on assets (ROA)0.8083%3,320
Pretax return on assets1.1316%2,964
Return on Equity (ROE)5.8773%4,043
Retained earnings to average equity (ytd only)5.8773%2,432
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.3216%3,061
Assets per employee ($millions)5.8188%1,561
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.0637%4,266
Loan loss allowance to noncurrent loans896.2963%626
Noncurrent assets plus other real estate owned to assets0.0773%5,267
Noncurrent loans to loans0.1187%5,003
Net loans and leases to total assets64.4703%3,172
Net loans and leases to deposits75.8373%3,235
Net loans and leases to core deposits77.5741%3,536
Total domestic deposits to total assets85.0113%3,130
Equity capital to assets14.2368%904
Core capital (leverage) ratio14.2290%752
Tier 1 risk-based capital ratio18.8161%1,776
Total risk-based capital ratio19.7332%1,818
Memoranda:
Average total assets$71,756,0005,036
Average earning assets$67,813,5004,983
Average equity$9,868,5004,680
Average total loans$46,854,0004,770
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5796%4,725
Cost of funding earning assets0.1533%5,665
Net interest margin3.4263%3,812
Noninterest income to average assets0.4438%3,718
Noninterest expense to average assets2.4889%4,258
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.8606%3,065
Return on assets (ROA)0.8606%3,133
Pretax return on assets1.2088%2,627
Return on Equity (ROE)6.2945%3,906
Retained earnings to average equity (ytd only)5.0419%2,385
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3099%3,695
Assets per employee ($millions)6.6987%1,005
Cash dividends to net income (ytd only)*19.9005%3,780
Condition Ratios (%)
Loss allowance to loans1.0040%4,583
Loan loss allowance to noncurrent loans834.4828%692
Noncurrent assets plus other real estate owned to assets0.0787%5,314
Noncurrent loans to loans0.1203%5,013
Net loans and leases to total assets64.7654%3,151
Net loans and leases to deposits75.2349%3,350
Net loans and leases to core deposits76.8437%3,679
Total domestic deposits to total assets86.0842%2,598
Equity capital to assets13.2942%1,215
Core capital (leverage) ratio13.8321%864
Tier 1 risk-based capital ratio17.7188%2,048
Total risk-based capital ratio18.5942%2,121
Memoranda:
Average total assets$70,071,0005,093
Average earning assets$66,543,6005,030
Average equity$9,579,8004,730
Average total loans$46,295,4004,783
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5988%4,744
Cost of funding earning assets0.1537%5,752
Net interest margin3.4450%3,769
Noninterest income to average assets0.4684%3,576
Noninterest expense to average assets2.4751%4,271
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.9079%2,926
Return on assets (ROA)0.9079%3,020
Pretax return on assets1.2761%2,489
Return on Equity (ROE)6.5924%3,840
Retained earnings to average equity (ytd only)5.4027%2,640
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.9815%3,895
Assets per employee ($millions)6.3305%1,163
Cash dividends to net income (ytd only)*18.0468%3,300
Condition Ratios (%)
Loss allowance to loans1.0699%4,392
Loan loss allowance to noncurrent loans849.1228%669
Noncurrent assets plus other real estate owned to assets0.0819%5,426
Noncurrent loans to loans0.1260%5,124
Net loans and leases to total assets64.2656%3,267
Net loans and leases to deposits75.4900%3,371
Net loans and leases to core deposits77.2199%3,675
Total domestic deposits to total assets85.1313%2,958
Equity capital to assets13.9727%1,034
Core capital (leverage) ratio13.9947%867
Tier 1 risk-based capital ratio18.6933%1,854
Total risk-based capital ratio19.6272%1,892
Memoranda:
Average total assets$69,167,2505,171
Average earning assets$65,909,7505,101
Average equity$9,525,7504,804
Average total loans$45,817,5004,851
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5843%4,764
Cost of funding earning assets0.1553%5,816
Net interest margin3.4290%3,792
Noninterest income to average assets0.4782%3,512
Noninterest expense to average assets2.4025%4,538
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.9506%2,629
Return on assets (ROA)0.9506%2,747
Pretax return on assets1.3389%2,212
Return on Equity (ROE)6.9362%3,647
Retained earnings to average equity (ytd only)5.1387%2,771
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.2138%4,319
Assets per employee ($millions)6.3113%1,144
Cash dividends to net income (ytd only)*25.9146%2,956
Condition Ratios (%)
Loss allowance to loans1.0713%4,480
Loan loss allowance to noncurrent loans806.6667%670
Noncurrent assets plus other real estate owned to assets0.0864%5,517
Noncurrent loans to loans0.1328%5,217
Net loans and leases to total assets64.3798%3,210
Net loans and leases to deposits75.3291%3,339
Net loans and leases to core deposits77.0524%3,660
Total domestic deposits to total assets85.4647%2,940
Equity capital to assets13.7647%1,070
Core capital (leverage) ratio14.0722%820
Tier 1 risk-based capital ratio18.6139%1,893
Total risk-based capital ratio19.5577%1,944
Memoranda:
Average total assets$69,011,0005,235
Average earning assets$65,675,0005,159
Average equity$9,457,6704,848
Average total loans$46,011,3304,887
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5693%4,778
Cost of funding earning assets0.1528%5,911
Net interest margin3.4165%3,774
Noninterest income to average assets0.4883%3,360
Noninterest expense to average assets2.3778%4,661
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.9651%2,424
Return on assets (ROA)0.9651%2,553
Pretax return on assets1.3604%2,037
Return on Equity (ROE)7.0574%3,478
Retained earnings to average equity (ytd only)7.0574%1,989
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.6081%4,535
Assets per employee ($millions)6.0459%1,373
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.0822%4,606
Loan loss allowance to noncurrent loans768.2540%693
Noncurrent assets plus other real estate owned to assets0.0947%5,566
Noncurrent loans to loans0.1409%5,272
Net loans and leases to total assets66.5183%2,690
Net loans and leases to deposits78.2793%2,765
Net loans and leases to core deposits80.1602%3,135
Total domestic deposits to total assets84.9756%3,422
Equity capital to assets14.3102%885
Core capital (leverage) ratio14.1989%766
Tier 1 risk-based capital ratio18.6341%1,964
Total risk-based capital ratio19.5867%2,009
Memoranda:
Average total assets$68,804,5005,291
Average earning assets$65,447,5005,219
Average equity$9,408,5004,892
Average total loans$46,427,5004,903
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3682%5,590
Cost of funding earning assets0.1814%5,901
Net interest margin3.1868%4,968
Noninterest income to average assets0.4441%3,874
Noninterest expense to average assets2.4544%4,692
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.7496%3,633
Return on assets (ROA)0.7496%3,731
Pretax return on assets1.0252%3,403
Return on Equity (ROE)5.7696%4,274
Retained earnings to average equity (ytd only)3.5936%3,661
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.5375%3,452
Assets per employee ($millions)6.4640%1,070
Cash dividends to net income (ytd only)*37.7143%2,970
Condition Ratios (%)
Loss allowance to loans1.0055%5,012
Loan loss allowance to noncurrent loans654.0541%869
Noncurrent assets plus other real estate owned to assets0.1041%5,619
Noncurrent loans to loans0.1537%5,282
Net loans and leases to total assets67.0131%2,726
Net loans and leases to deposits77.5714%3,020
Net loans and leases to core deposits79.2815%3,377
Total domestic deposits to total assets86.3890%2,626
Equity capital to assets13.0794%1,329
Core capital (leverage) ratio13.1717%1,075
Tier 1 risk-based capital ratio16.7426%2,625
Total risk-based capital ratio17.6137%2,725
Memoranda:
Average total assets$70,036,2005,287
Average earning assets$66,712,8005,208
Average equity$9,099,4004,953
Average total loans$42,784,2005,079
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3590%5,657
Cost of funding earning assets0.1884%5,931
Net interest margin3.1706%5,054
Noninterest income to average assets0.4434%3,936
Noninterest expense to average assets2.4690%4,619
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.7357%3,747
Return on assets (ROA)0.7357%3,856
Pretax return on assets0.9975%3,603
Return on Equity (ROE)5.6725%4,409
Retained earnings to average equity (ytd only)3.5951%4,092
Net charge-offs to loans-0.0032%5,228
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.2238%3,307
Assets per employee ($millions)5.8972%1,408
Cash dividends to net income (ytd only)*36.6243%2,508
Condition Ratios (%)
Loss allowance to loans1.1945%4,263
Loan loss allowance to noncurrent loans440.9091%1,087
Noncurrent assets plus other real estate owned to assets0.1554%5,562
Noncurrent loans to loans0.2709%5,097
Net loans and leases to total assets56.6925%4,241
Net loans and leases to deposits65.6440%4,374
Net loans and leases to core deposits67.0976%4,597
Total domestic deposits to total assets86.3635%2,664
Equity capital to assets13.0062%1,422
Core capital (leverage) ratio13.2606%1,080
Tier 1 risk-based capital ratio18.2895%2,117
Total risk-based capital ratio19.2517%2,168
Memoranda:
Average total assets$69,769,2505,350
Average earning assets$66,526,0005,271
Average equity$9,049,2504,997
Average total loans$41,447,0005,172
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3549%5,703
Cost of funding earning assets0.1989%5,924
Net interest margin3.1560%5,074
Noninterest income to average assets0.4407%3,936
Noninterest expense to average assets2.4627%4,688
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.7345%3,650
Return on assets (ROA)0.7345%3,744
Pretax return on assets0.9937%3,504
Return on Equity (ROE)5.6681%4,347
Retained earnings to average equity (ytd only)3.7343%3,817
Net charge-offs to loans-0.0048%5,166
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.2500%3,462
Assets per employee ($millions)6.1873%1,180
Cash dividends to net income (ytd only)*34.1176%2,634
Condition Ratios (%)
Loss allowance to loans1.1729%4,550
Loan loss allowance to noncurrent loans346.4286%1,333
Noncurrent assets plus other real estate owned to assets0.1886%5,562
Noncurrent loans to loans0.3386%4,996
Net loans and leases to total assets55.0379%4,404
Net loans and leases to deposits63.1407%4,579
Net loans and leases to core deposits64.4593%4,773
Total domestic deposits to total assets87.1672%2,361
Equity capital to assets12.2981%1,777
Core capital (leverage) ratio13.0057%1,155
Tier 1 risk-based capital ratio17.4279%2,450
Total risk-based capital ratio18.3523%2,537
Memoranda:
Average total assets$69,437,0005,410
Average earning assets$66,350,3305,315
Average equity$8,997,6705,032
Average total loans$41,728,0005,208
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4189%5,608
Cost of funding earning assets0.1938%6,054
Net interest margin3.2252%4,837
Noninterest income to average assets0.5072%3,353
Noninterest expense to average assets2.4943%4,640
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.7996%3,158
Return on assets (ROA)0.7996%3,235
Pretax return on assets1.0920%2,948
Return on Equity (ROE)6.0016%4,023
Retained earnings to average equity (ytd only)2.1050%4,758
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5507%3,903
Assets per employee ($millions)5.6632%1,567
Cash dividends to net income (ytd only)*64.9254%1,271
Condition Ratios (%)
Loss allowance to loans1.2429%4,421
Loan loss allowance to noncurrent loans340.8451%1,326
Noncurrent assets plus other real estate owned to assets0.2090%5,594
Noncurrent loans to loans0.3647%5,032
Net loans and leases to total assets56.5879%4,069
Net loans and leases to deposits65.5139%4,146
Net loans and leases to core deposits67.0245%4,396
Total domestic deposits to total assets86.3754%3,172
Equity capital to assets13.2052%1,210
Core capital (leverage) ratio13.7107%919
Tier 1 risk-based capital ratio18.1283%2,241
Total risk-based capital ratio19.1007%2,331
Memoranda:
Average total assets$67,032,0005,532
Average earning assets$63,997,0005,440
Average equity$8,931,0005,066
Average total loans$41,917,5005,243
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5962%5,411
Cost of funding earning assets0.2337%6,066
Net interest margin3.3626%4,427
Noninterest income to average assets0.0751%6,466
Noninterest expense to average assets2.5697%4,553
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.5918%4,305
Return on assets (ROA)0.5918%4,413
Pretax return on assets0.6823%4,604
Return on Equity (ROE)4.3745%4,950
Retained earnings to average equity (ytd only)2.0059%4,807
Net charge-offs to loans0.0025%5,430
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)445.0000%90
Efficiency ratio79.0193%2,316
Assets per employee ($millions)5.5088%1,640
Cash dividends to net income (ytd only)*54.1451%2,068
Condition Ratios (%)
Loss allowance to loans1.0781%5,250
Loan loss allowance to noncurrent loans310.2564%1,427
Noncurrent assets plus other real estate owned to assets0.2360%5,571
Noncurrent loans to loans0.3475%5,145
Net loans and leases to total assets67.1815%2,487
Net loans and leases to deposits78.8632%2,605
Net loans and leases to core deposits80.7590%3,041
Total domestic deposits to total assets85.1874%3,649
Equity capital to assets13.4451%1,090
Core capital (leverage) ratio13.7067%896
Tier 1 risk-based capital ratio16.6970%2,763
Total risk-based capital ratio17.5974%2,887
Memoranda:
Average total assets$65,221,4005,615
Average earning assets$61,619,8005,547
Average equity$8,823,8005,134
Average total loans$40,396,4005,330
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5883%5,473
Cost of funding earning assets0.2379%6,170
Net interest margin3.3504%4,465
Noninterest income to average assets-0.0390%6,787
Noninterest expense to average assets2.5845%4,445
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.4677%4,943
Return on assets (ROA)0.4677%5,089
Pretax return on assets0.5251%5,284
Return on Equity (ROE)3.4514%5,463
Retained earnings to average equity (ytd only)0.9688%5,590
Net charge-offs to loans0.0034%5,139
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)256.6316%227
Efficiency ratio83.1135%1,694
Assets per employee ($millions)5.4743%1,653
Cash dividends to net income (ytd only)*71.9300%1,020
Condition Ratios (%)
Loss allowance to loans1.2459%4,659
Loan loss allowance to noncurrent loans314.2857%1,316
Noncurrent assets plus other real estate owned to assets0.2344%5,742
Noncurrent loans to loans0.3964%5,203
Net loans and leases to total assets58.3976%3,943
Net loans and leases to deposits67.7894%4,090
Net loans and leases to core deposits69.4096%4,383
Total domestic deposits to total assets86.1457%3,170
Equity capital to assets13.4189%1,156
Core capital (leverage) ratio13.7641%933
Tier 1 risk-based capital ratio18.4448%2,161
Total risk-based capital ratio19.4522%2,212
Memoranda:
Average total assets$65,000,2505,686
Average earning assets$61,086,7505,623
Average equity$8,807,7505,187
Average total loans$39,271,7505,432
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5756%5,509
Cost of funding earning assets0.2456%6,203
Net interest margin3.3300%4,448
Noninterest income to average assets-0.1482%6,859
Noninterest expense to average assets2.6000%4,388
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.3860%5,263
Return on assets (ROA)0.3860%5,428
Pretax return on assets0.3922%5,654
Return on Equity (ROE)2.8392%5,685
Retained earnings to average equity (ytd only)0.1363%5,811
Net charge-offs to loans0.0051%4,802
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)127.0000%384
Efficiency ratio86.8937%1,324
Assets per employee ($millions)5.4147%1,679
Cash dividends to net income (ytd only)*95.2000%595
Condition Ratios (%)
Loss allowance to loans1.2458%4,755
Loan loss allowance to noncurrent loans250.7772%1,637
Noncurrent assets plus other real estate owned to assets0.4340%5,192
Noncurrent loans to loans0.4968%5,024
Net loans and leases to total assets59.0464%3,821
Net loans and leases to deposits68.5327%3,931
Net loans and leases to core deposits69.6690%4,304
Total domestic deposits to total assets86.1580%3,282
Equity capital to assets13.4619%1,154
Core capital (leverage) ratio13.7571%896
Tier 1 risk-based capital ratio17.8743%2,367
Total risk-based capital ratio18.8570%2,440
Memoranda:
Average total assets$64,770,0005,731
Average earning assets$61,081,0005,662
Average equity$8,805,3305,222
Average total loans$39,413,6705,446
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6029%5,447
Cost of funding earning assets0.2503%6,289
Net interest margin3.3526%4,301
Noninterest income to average assets-0.2351%6,957
Noninterest expense to average assets2.7464%3,892
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.1979%5,901
Return on assets (ROA)0.1979%6,010
Pretax return on assets0.1670%6,142
Return on Equity (ROE)1.4489%6,106
Retained earnings to average equity (ytd only)-1.9469%6,070
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.2675%815
Assets per employee ($millions)5.3200%1,841
Cash dividends to net income (ytd only)*234.3750%159
Condition Ratios (%)
Loss allowance to loans1.3735%4,362
Loan loss allowance to noncurrent loans297.5460%1,331
Noncurrent assets plus other real estate owned to assets0.5185%5,090
Noncurrent loans to loans0.4616%5,266
Net loans and leases to total assets54.5520%4,321
Net loans and leases to deposits63.6801%4,357
Net loans and leases to core deposits65.2527%4,625
Total domestic deposits to total assets85.6657%3,702
Equity capital to assets13.7892%1,098
Core capital (leverage) ratio13.6106%908
Tier 1 risk-based capital ratio18.9572%2,053
Total risk-based capital ratio20.0074%2,084
Memoranda:
Average total assets$64,667,0005,787
Average earning assets$60,728,5005,722
Average equity$8,834,5005,263
Average total loans$39,695,5005,479
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9517%5,433
Cost of funding earning assets0.3640%6,137
Net interest margin3.5877%4,138
Noninterest income to average assets0.3524%4,945
Noninterest expense to average assets2.6281%4,651
Loan and lease loss provision to assets0.0790%4,717
Net operating income to assets0.8376%3,108
Return on assets (ROA)0.8376%3,361
Pretax return on assets1.0098%3,519
Return on Equity (ROE)5.9888%4,174
Retained earnings to average equity (ytd only)1.4690%5,133
Net charge-offs to loans0.4006%2,655
Credit loss provision to net charge-offs32.4675%5,076
Earnings coverage of net charge-offs (x)4.4740%3,354
Efficiency ratio70.7058%3,673
Assets per employee ($millions)5.4578%1,723
Cash dividends to net income (ytd only)*75.4717%1,161
Condition Ratios (%)
Loss allowance to loans1.1003%5,552
Loan loss allowance to noncurrent loans12,125.0000%65
Noncurrent assets plus other real estate owned to assets0.5039%5,208
Noncurrent loans to loans0.0091%6,549
Net loans and leases to total assets66.5633%2,446
Net loans and leases to deposits81.1145%2,130
Net loans and leases to core deposits83.1521%2,653
Total domestic deposits to total assets82.0610%5,073
Equity capital to assets13.5371%1,214
Core capital (leverage) ratio13.9145%826
Tier 1 risk-based capital ratio16.3026%2,992
Total risk-based capital ratio17.2013%3,151
Memoranda:
Average total assets$63,277,6005,850
Average earning assets$59,342,0005,771
Average equity$8,849,8005,262
Average total loans$38,439,4005,569
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9369%5,693
Cost of funding earning assets0.3842%6,201
Net interest margin3.5527%4,430
Noninterest income to average assets0.4549%4,248
Noninterest expense to average assets2.7102%4,322
Loan and lease loss provision to assets0.1063%4,239
Net operating income to assets0.8205%3,342
Return on assets (ROA)0.8205%3,589
Pretax return on assets0.9799%3,790
Return on Equity (ROE)5.8180%4,428
Retained earnings to average equity (ytd only)2.4267%5,118
Net charge-offs to loans0.4429%2,335
Credit loss provision to net charge-offs40.6504%4,601
Earnings coverage of net charge-offs (x)4.1544%3,382
Efficiency ratio71.3886%3,432
Assets per employee ($millions)5.3382%1,799
Cash dividends to net income (ytd only)*58.2901%1,340
Condition Ratios (%)
Loss allowance to loans1.3407%4,629
Loan loss allowance to noncurrent loans845.9016%503
Noncurrent assets plus other real estate owned to assets0.6978%4,941
Noncurrent loans to loans0.1585%6,211
Net loans and leases to total assets59.2744%3,914
Net loans and leases to deposits69.5804%3,955
Net loans and leases to core deposits71.2985%4,337
Total domestic deposits to total assets85.1884%3,665
Equity capital to assets13.9140%1,189
Core capital (leverage) ratio13.9830%839
Tier 1 risk-based capital ratio17.8460%2,411
Total risk-based capital ratio18.8888%2,453
Memoranda:
Average total assets$62,723,5005,925
Average earning assets$58,995,2505,843
Average equity$8,845,7505,310
Average total loans$37,029,2505,704
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9119%5,879
Cost of funding earning assets0.3987%6,272
Net interest margin3.5132%4,611
Noninterest income to average assets0.4656%4,161
Noninterest expense to average assets2.5787%4,847
Loan and lease loss provision to assets0.1606%3,509
Net operating income to assets0.8639%3,066
Return on assets (ROA)0.8639%3,334
Pretax return on assets1.0373%3,570
Return on Equity (ROE)6.0975%4,275
Retained earnings to average equity (ytd only)2.6974%4,828
Net charge-offs to loans0.6786%1,631
Credit loss provision to net charge-offs40.3226%4,252
Earnings coverage of net charge-offs (x)3.0081%3,545
Efficiency ratio68.2823%4,069
Assets per employee ($millions)5.3038%1,814
Cash dividends to net income (ytd only)*55.7621%1,519
Condition Ratios (%)
Loss allowance to loans1.3836%4,521
Loan loss allowance to noncurrent loans804.6875%493
Noncurrent assets plus other real estate owned to assets0.7070%5,023
Noncurrent loans to loans0.1719%6,240
Net loans and leases to total assets57.6730%4,223
Net loans and leases to deposits67.6521%4,258
Net loans and leases to core deposits69.3285%4,622
Total domestic deposits to total assets85.2494%3,741
Equity capital to assets13.9524%1,112
Core capital (leverage) ratio14.2523%747
Tier 1 risk-based capital ratio18.9318%1,985
Total risk-based capital ratio20.0414%2,005
Memoranda:
Average total assets$62,278,6705,968
Average earning assets$58,692,3305,885
Average equity$8,823,3305,312
Average total loans$36,543,6705,757
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9147%5,983
Cost of funding earning assets0.4128%6,347
Net interest margin3.5019%4,689
Noninterest income to average assets0.5000%3,912
Noninterest expense to average assets2.7859%4,096
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.8572%3,121
Return on assets (ROA)0.8572%3,356
Pretax return on assets1.0196%3,608
Return on Equity (ROE)6.0034%4,292
Retained earnings to average equity (ytd only)2.5924%4,961
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2082%3,222
Assets per employee ($millions)4.9852%2,271
Cash dividends to net income (ytd only)*56.8182%1,274
Condition Ratios (%)
Loss allowance to loans1.7900%3,028
Loan loss allowance to noncurrent loans4,908.3333%112
Noncurrent assets plus other real estate owned to assets0.6653%5,231
Noncurrent loans to loans0.0365%6,670
Net loans and leases to total assets54.0203%4,720
Net loans and leases to deposits63.8694%4,656
Net loans and leases to core deposits65.9013%4,923
Total domestic deposits to total assets84.5793%4,233
Equity capital to assets14.7287%796
Core capital (leverage) ratio14.8712%619
Tier 1 risk-based capital ratio20.7145%1,541
Total risk-based capital ratio21.9656%1,513
Memoranda:
Average total assets$61,595,5006,020
Average earning assets$58,139,5005,933
Average equity$8,795,0005,334
Average total loans$36,205,0005,816
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3805%5,496
Cost of funding earning assets0.5491%6,343
Net interest margin3.8313%3,665
Noninterest income to average assets0.3787%4,798
Noninterest expense to average assets2.7887%4,388
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets0.9273%2,495
Return on assets (ROA)0.9273%2,617
Pretax return on assets1.2517%2,294
Return on Equity (ROE)6.2404%3,756
Retained earnings to average equity (ytd only)1.6687%5,017
Net charge-offs to loans0.0165%6,206
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)122.8333%266
Efficiency ratio69.0206%4,143
Assets per employee ($millions)5.2808%1,854
Cash dividends to net income (ytd only)*73.2601%1,018
Condition Ratios (%)
Loss allowance to loans1.4910%4,068
Loan loss allowance to noncurrent loans3,272.2222%153
Noncurrent assets plus other real estate owned to assets0.6375%5,378
Noncurrent loans to loans0.0456%6,711
Net loans and leases to total assets61.4117%3,708
Net loans and leases to deposits71.7584%3,833
Net loans and leases to core deposits73.5319%4,300
Total domestic deposits to total assets85.5813%3,551
Equity capital to assets13.8538%1,122
Core capital (leverage) ratio14.5622%701
Tier 1 risk-based capital ratio18.1204%2,151
Total risk-based capital ratio19.3516%2,133
Memoranda:
Average total assets$58,880,8006,081
Average earning assets$56,272,6005,969
Average equity$8,749,4005,349
Average total loans$36,397,8005,852
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4201%5,543
Cost of funding earning assets0.5829%6,365
Net interest margin3.8372%3,681
Noninterest income to average assets0.4271%4,462
Noninterest expense to average assets2.9386%3,782
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets0.8680%2,869
Return on assets (ROA)0.8680%3,015
Pretax return on assets1.1657%2,763
Return on Equity (ROE)5.7346%4,150
Retained earnings to average equity (ytd only)2.3030%4,970
Net charge-offs to loans0.0225%5,835
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)84.1650%424
Efficiency ratio71.5973%3,639
Assets per employee ($millions)4.8443%2,401
Cash dividends to net income (ytd only)*59.8400%1,192
Condition Ratios (%)
Loss allowance to loans1.6404%3,483
Loan loss allowance to noncurrent loans4,207.1429%107
Noncurrent assets plus other real estate owned to assets0.6881%5,423
Noncurrent loans to loans0.0390%6,843
Net loans and leases to total assets60.7524%3,991
Net loans and leases to deposits72.4460%3,907
Net loans and leases to core deposits74.5992%4,366
Total domestic deposits to total assets83.8589%4,298
Equity capital to assets15.1451%814
Core capital (leverage) ratio14.9217%684
Tier 1 risk-based capital ratio19.7554%1,745
Total risk-based capital ratio21.0058%1,716
Memoranda:
Average total assets$57,758,7506,158
Average earning assets$55,352,0006,056
Average equity$8,742,0005,377
Average total loans$35,621,0005,940
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3304%5,905
Cost of funding earning assets0.6037%6,446
Net interest margin3.7268%4,141
Noninterest income to average assets0.4234%4,482
Noninterest expense to average assets2.9288%3,906
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.7981%3,088
Return on assets (ROA)0.7981%3,210
Pretax return on assets1.0723%2,960
Return on Equity (ROE)5.2744%4,322
Retained earnings to average equity (ytd only)1.8346%5,068
Net charge-offs to loans0.0338%5,380
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)51.5000%612
Efficiency ratio73.2003%3,512
Assets per employee ($millions)5.3181%1,740
Cash dividends to net income (ytd only)*65.2174%1,175
Condition Ratios (%)
Loss allowance to loans1.7091%3,294
Loan loss allowance to noncurrent loans130.0221%2,266
Noncurrent assets plus other real estate owned to assets1.4342%4,059
Noncurrent loans to loans1.3145%4,448
Net loans and leases to total assets57.9036%4,649
Net loans and leases to deposits68.8378%4,585
Net loans and leases to core deposits70.8611%4,969
Total domestic deposits to total assets84.1160%4,298
Equity capital to assets14.9353%837
Core capital (leverage) ratio14.8651%696
Tier 1 risk-based capital ratio20.2791%1,557
Total risk-based capital ratio21.5308%1,528
Memoranda:
Average total assets$57,634,6706,216
Average earning assets$55,329,6706,110
Average equity$8,721,3305,402
Average total loans$35,526,3305,990
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4035%5,683
Cost of funding earning assets0.6177%6,533
Net interest margin3.7859%3,674
Noninterest income to average assets0.4545%4,240
Noninterest expense to average assets2.8810%4,146
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.8951%2,588
Return on assets (ROA)0.8951%2,648
Pretax return on assets1.2167%2,316
Return on Equity (ROE)5.8759%3,977
Retained earnings to average equity (ytd only)2.4330%4,689
Net charge-offs to loans0.0444%4,500
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)43.5000%643
Efficiency ratio70.3072%4,193
Assets per employee ($millions)5.2146%1,881
Cash dividends to net income (ytd only)*58.5938%1,281
Condition Ratios (%)
Loss allowance to loans1.7943%3,031
Loan loss allowance to noncurrent loans145.9259%2,034
Noncurrent assets plus other real estate owned to assets0.7061%5,519
Noncurrent loans to loans1.2296%4,629
Net loans and leases to total assets56.3920%4,929
Net loans and leases to deposits67.3489%4,776
Net loans and leases to core deposits69.3755%5,125
Total domestic deposits to total assets83.7311%4,603
Equity capital to assets15.2456%715
Core capital (leverage) ratio15.1427%637
Tier 1 risk-based capital ratio20.9873%1,398
Total risk-based capital ratio22.2404%1,375
Memoranda:
Average total assets$57,202,5006,281
Average earning assets$55,047,0006,159
Average equity$8,713,5005,403
Average total loans$36,058,5006,023
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7082%5,776
Cost of funding earning assets0.7465%6,751
Net interest margin3.9617%3,204
Noninterest income to average assets0.4560%4,473
Noninterest expense to average assets3.0200%3,770
Loan and lease loss provision to assets0.0814%6,335
Net operating income to assets0.8523%2,579
Return on assets (ROA)0.8523%2,719
Pretax return on assets1.1382%2,439
Return on Equity (ROE)4.9790%4,075
Retained earnings to average equity (ytd only)-23.6157%7,082
Net charge-offs to loans0.5245%3,525
Credit loss provision to net charge-offs23.6842%6,532
Earnings coverage of net charge-offs (x)3.5474%3,309
Efficiency ratio71.2335%3,947
Assets per employee ($millions)5.1858%1,878
Cash dividends to net income (ytd only)*574.3100%36
Condition Ratios (%)
Loss allowance to loans1.5187%3,903
Loan loss allowance to noncurrent loans82.8691%3,425
Noncurrent assets plus other real estate owned to assets1.2587%4,516
Noncurrent loans to loans1.8326%3,776
Net loans and leases to total assets67.6390%3,070
Net loans and leases to deposits80.9279%3,005
Net loans and leases to core deposits83.3798%3,689
Total domestic deposits to total assets83.5793%4,569
Equity capital to assets15.2198%738
Core capital (leverage) ratio15.1524%641
Tier 1 risk-based capital ratio19.1278%1,687
Total risk-based capital ratio20.3780%1,654
Memoranda:
Average total assets$55,264,2006,361
Average earning assets$52,780,4006,260
Average equity$9,459,8005,278
Average total loans$36,222,2006,104
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7068%5,992
Cost of funding earning assets0.7747%6,832
Net interest margin3.9321%3,394
Noninterest income to average assets0.4548%4,521
Noninterest expense to average assets3.1229%3,224
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets0.8196%2,920
Return on assets (ROA)0.8196%3,065
Pretax return on assets1.0847%2,878
Return on Equity (ROE)4.6541%4,474
Retained earnings to average equity (ytd only)-31.3222%7,399
Net charge-offs to loans0.0564%5,956
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)29.7325%883
Efficiency ratio74.2197%3,283
Assets per employee ($millions)5.0205%2,149
Cash dividends to net income (ytd only)*773.0014%10
Condition Ratios (%)
Loss allowance to loans1.9490%2,353
Loan loss allowance to noncurrent loans2,500.0000%145
Noncurrent assets plus other real estate owned to assets0.0525%7,216
Noncurrent loans to loans0.0780%7,048
Net loans and leases to total assets66.0462%3,680
Net loans and leases to deposits79.7560%3,495
Net loans and leases to core deposits82.2747%4,204
Total domestic deposits to total assets82.8103%4,670
Equity capital to assets15.4513%778
Core capital (leverage) ratio15.5391%629
Tier 1 risk-based capital ratio19.7166%1,599
Total risk-based capital ratio20.9709%1,568
Memoranda:
Average total assets$54,819,2506,453
Average earning assets$52,320,5006,356
Average equity$9,654,2505,303
Average total loans$35,483,0006,221
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5799%6,522
Cost of funding earning assets0.7938%6,933
Net interest margin3.7860%3,954
Noninterest income to average assets0.4389%4,617
Noninterest expense to average assets3.0722%3,423
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets0.7644%3,125
Return on assets (ROA)0.7644%3,281
Pretax return on assets0.9948%3,137
Return on Equity (ROE)4.1683%4,702
Retained earnings to average equity (ytd only)-45.7918%7,575
Net charge-offs to loans0.0859%5,281
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)18.1333%1,302
Efficiency ratio75.5396%3,154
Assets per employee ($millions)4.8500%2,375
Cash dividends to net income (ytd only)*1,198.5646%14
Condition Ratios (%)
Loss allowance to loans2.0701%2,033
Loan loss allowance to noncurrent loans805.5556%422
Noncurrent assets plus other real estate owned to assets0.1687%6,964
Noncurrent loans to loans0.2570%6,716
Net loans and leases to total assets64.2868%4,203
Net loans and leases to deposits77.9141%3,982
Net loans and leases to core deposits79.3563%4,767
Total domestic deposits to total assets82.5098%4,779
Equity capital to assets15.8857%689
Core capital (leverage) ratio15.7460%602
Tier 1 risk-based capital ratio20.5719%1,416
Total risk-based capital ratio21.8291%1,385
Memoranda:
Average total assets$54,684,0006,503
Average earning assets$52,403,0006,390
Average equity$10,028,0005,192
Average total loans$34,911,0006,290
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5452%6,690
Cost of funding earning assets0.8079%7,068
Net interest margin3.7373%4,064
Noninterest income to average assets0.4336%4,625
Noninterest expense to average assets2.9846%3,732
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.7877%3,023
Return on assets (ROA)0.7877%3,140
Pretax return on assets1.0262%2,984
Return on Equity (ROE)4.0354%4,881
Retained earnings to average equity (ytd only)4.0354%3,731
Net charge-offs to loans0.1721%3,893
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)9.4667%1,850
Efficiency ratio74.4144%3,510
Assets per employee ($millions)5.0839%2,119
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.1952%1,765
Loan loss allowance to noncurrent loans805.5556%401
Noncurrent assets plus other real estate owned to assets0.1609%7,076
Noncurrent loans to loans0.2725%6,774
Net loans and leases to total assets57.7598%5,485
Net loans and leases to deposits72.8402%4,939
Net loans and leases to core deposits74.6068%5,437
Total domestic deposits to total assets79.2965%6,012
Equity capital to assets19.4178%312
Core capital (leverage) ratio19.8644%258
Tier 1 risk-based capital ratio27.0736%701
Total risk-based capital ratio28.3294%686
Memoranda:
Average total assets$55,351,0006,559
Average earning assets$52,979,5006,439
Average equity$10,804,5005,027
Average total loans$34,855,5006,380
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0203%6,369
Cost of funding earning assets1.0503%7,100
Net interest margin3.9700%2,986
Noninterest income to average assets0.4298%4,965
Noninterest expense to average assets3.2976%3,015
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets0.6984%2,942
Return on assets (ROA)0.6984%3,010
Pretax return on assets0.8855%2,968
Return on Equity (ROE)3.5792%4,261
Retained earnings to average equity (ytd only)3.5792%2,675
Net charge-offs to loans0.0084%7,115
Credit loss provision to net charge-offs0.0000%7,003
Earnings coverage of net charge-offs (x)159.3333%184
Efficiency ratio78.8308%3,071
Assets per employee ($millions)4.9799%2,247
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.0172%1,982
Loan loss allowance to noncurrent loans2,242.4242%184
Noncurrent assets plus other real estate owned to assets0.0602%7,349
Noncurrent loans to loans0.0900%7,188
Net loans and leases to total assets65.6182%4,255
Net loans and leases to deposits82.7863%3,486
Net loans and leases to core deposits90.1985%5,105
Total domestic deposits to total assets79.2621%5,915
Equity capital to assets19.6243%325
Core capital (leverage) ratio19.6085%295
Tier 1 risk-based capital ratio24.7949%864
Total risk-based capital ratio26.0511%839
Memoranda:
Average total assets$53,979,0006,556
Average earning assets$51,032,6006,495
Average equity$10,533,2005,150
Average total loans$35,622,8006,327
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0502%6,451
Cost of funding earning assets1.0983%7,177
Net interest margin3.9519%3,028
Noninterest income to average assets0.4388%4,967
Noninterest expense to average assets3.0395%3,885
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets0.8206%2,723
Return on assets (ROA)0.8206%2,788
Pretax return on assets1.1280%2,479
Return on Equity (ROE)4.2115%4,297
Retained earnings to average equity (ytd only)4.2115%2,921
Net charge-offs to loans0.0113%6,777
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)151.6625%252
Efficiency ratio72.9328%4,068
Assets per employee ($millions)4.9154%2,251
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.0389%1,708
Loan loss allowance to noncurrent loans5,285.7143%75
Noncurrent assets plus other real estate owned to assets0.0259%7,524
Noncurrent loans to loans0.0386%7,419
Net loans and leases to total assets65.7567%4,475
Net loans and leases to deposits83.8419%3,676
Net loans and leases to core deposits92.9565%5,142
Total domestic deposits to total assets78.4294%5,971
Equity capital to assets19.7673%360
Core capital (leverage) ratio19.6068%339
Tier 1 risk-based capital ratio25.0362%895
Total risk-based capital ratio26.2914%870
Memoranda:
Average total assets$53,779,0006,611
Average earning assets$50,742,2506,548
Average equity$10,479,0005,212
Average total loans$35,357,2506,388
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0094%6,734
Cost of funding earning assets1.1396%7,276
Net interest margin3.8698%3,250
Noninterest income to average assets0.4284%5,050
Noninterest expense to average assets3.0587%3,852
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.7228%3,157
Return on assets (ROA)0.7228%3,264
Pretax return on assets1.0134%2,955
Return on Equity (ROE)3.7274%4,605
Retained earnings to average equity (ytd only)3.7274%3,220
Net charge-offs to loans0.0171%6,284
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)90.6667%425
Efficiency ratio75.1144%3,859
Assets per employee ($millions)5.0596%2,013
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.1128%1,372
Loan loss allowance to noncurrent loans224.9240%1,355
Noncurrent assets plus other real estate owned to assets0.5911%5,935
Noncurrent loans to loans0.9393%5,342
Net loans and leases to total assets61.6016%5,424
Net loans and leases to deposits77.4715%4,945
Net loans and leases to core deposits88.1476%5,708
Total domestic deposits to total assets79.5152%5,638
Equity capital to assets18.8461%472
Core capital (leverage) ratio19.5128%389
Tier 1 risk-based capital ratio25.0628%932
Total risk-based capital ratio26.3143%915
Memoranda:
Average total assets$53,682,3306,680
Average earning assets$50,545,3306,610
Average equity$10,409,3305,241
Average total loans$35,045,0006,455
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2144%6,237
Cost of funding earning assets1.2183%7,256
Net interest margin3.9961%2,659
Noninterest income to average assets0.4327%4,935
Noninterest expense to average assets3.0211%3,667
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.8350%2,976
Return on assets (ROA)0.8350%3,123
Pretax return on assets1.1462%2,813
Return on Equity (ROE)4.2432%4,819
Retained earnings to average equity (ytd only)4.2432%3,548
Net charge-offs to loans0.0342%5,037
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)50.3333%723
Efficiency ratio72.4954%4,107
Assets per employee ($millions)4.8371%2,258
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.2350%1,042
Loan loss allowance to noncurrent loans4,933.3333%107
Noncurrent assets plus other real estate owned to assets0.0282%7,535
Noncurrent loans to loans0.0453%7,410
Net loans and leases to total assets60.8367%5,523
Net loans and leases to deposits77.2554%5,047
Net loans and leases to core deposits88.2064%5,716
Total domestic deposits to total assets78.7476%5,810
Equity capital to assets19.6004%439
Core capital (leverage) ratio20.3074%380
Tier 1 risk-based capital ratio25.9089%900
Total risk-based capital ratio27.1661%879
Memoranda:
Average total assets$52,695,5006,750
Average earning assets$49,248,0006,699
Average equity$10,369,5005,275
Average total loans$35,055,0006,492
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9407%5,848
Cost of funding earning assets1.6757%7,316
Net interest margin4.2650%2,083
Noninterest income to average assets0.4861%4,735
Noninterest expense to average assets3.1030%3,683
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets1.0227%2,464
Return on assets (ROA)1.0227%2,347
Pretax return on assets1.4310%1,867
Return on Equity (ROE)5.0557%4,361
Retained earnings to average equity (ytd only)2.4125%3,700
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.4391%4,643
Assets per employee ($millions)4.7439%2,255
Cash dividends to net income (ytd only)*52.2814%3,015
Condition Ratios (%)
Loss allowance to loans2.0081%1,205
Loan loss allowance to noncurrent loans1,428.8462%390
Noncurrent assets plus other real estate owned to assets0.0996%7,181
Noncurrent loans to loans0.1405%6,990
Net loans and leases to total assets69.4805%4,149
Net loans and leases to deposits88.9001%3,652
Net loans and leases to core deposits100.3626%4,791
Total domestic deposits to total assets78.1557%5,660
Equity capital to assets19.7574%482
Core capital (leverage) ratio19.4615%473
Tier 1 risk-based capital ratio24.1221%1,075
Total risk-based capital ratio25.3771%1,052
Memoranda:
Average total assets$51,434,0006,714
Average earning assets$48,816,2006,644
Average equity$10,404,0005,292
Average total loans$35,344,8006,401