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Prosperity Bank, Performance and Condition Ratios

2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5106%3,664
Cost of funding earning assets1.6924%2,774
Net interest margin2.8182%3,349
Noninterest income to average assets0.3900%2,363
Noninterest expense to average assets1.3606%4,385
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets1.1782%1,491
Return on assets (ROA)1.1806%1,495
Pretax return on assets1.5023%1,242
Return on Equity (ROE)6.4500%3,093
Retained earnings to average equity (ytd only)1.5170%3,364
Net charge-offs to loans0.0404%1,128
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)67.6136%837
Efficiency ratio46.4063%4,166
Assets per employee ($millions)9.9364%752
Cash dividends to net income (ytd only)*76.4932%787
Condition Ratios (%)
Loss allowance to loans1.5529%941
Loan loss allowance to noncurrent loans405.1270%1,560
Noncurrent assets plus other real estate owned to assets0.2160%2,275
Noncurrent loans to loans0.3833%1,979
Net loans and leases to total assets54.0100%3,344
Net loans and leases to deposits76.8149%2,353
Net loans and leases to core deposits80.8282%2,666
Total domestic deposits to total assets70.3100%4,276
Equity capital to assets18.2797%334
Core capital (leverage) ratio10.3331%2,464
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9402%1,096
Memoranda:
Average total assets$38,659,326,00059
Average earning assets$33,909,713,00059
Average equity$7,072,610,00038
Average total loans$21,222,892,50065
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2823%3,469
Cost of funding earning assets1.4363%2,119
Net interest margin2.8460%3,578
Noninterest income to average assets0.3700%2,675
Noninterest expense to average assets1.3971%4,392
Loan and lease loss provision to assets0.0500%2,105
Net operating income to assets1.1184%1,865
Return on assets (ROA)1.1184%1,835
Pretax return on assets1.4216%1,590
Return on Equity (ROE)6.2800%3,466
Retained earnings to average equity (ytd only)0.8579%3,864
Net charge-offs to loans0.1854%581
Credit loss provision to net charge-offs31.5443%2,272
Earnings coverage of net charge-offs (x)14.9533%2,061
Efficiency ratio47.5920%4,108
Assets per employee ($millions)10.0148%701
Cash dividends to net income (ytd only)*86.3341%449
Condition Ratios (%)
Loss allowance to loans1.5692%900
Loan loss allowance to noncurrent loans468.8882%1,498
Noncurrent assets plus other real estate owned to assets0.1883%2,286
Noncurrent loans to loans0.3347%1,981
Net loans and leases to total assets54.0700%3,343
Net loans and leases to deposits76.5296%2,401
Net loans and leases to core deposits80.0438%2,701
Total domestic deposits to total assets70.6500%4,270
Equity capital to assets18.3098%333
Core capital (leverage) ratio10.3460%2,482
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5036%1,180
Memoranda:
Average total assets$38,656,963,80057
Average earning assets$33,934,939,20061
Average equity$6,886,649,00037
Average total loans$20,488,276,60065
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2195%3,434
Cost of funding earning assets1.3659%1,960
Net interest margin2.8536%3,632
Noninterest income to average assets0.3700%2,673
Noninterest expense to average assets1.3515%4,426
Loan and lease loss provision to assets0.0600%1,749
Net operating income to assets1.1505%1,919
Return on assets (ROA)1.1505%1,900
Pretax return on assets1.4634%1,650
Return on Equity (ROE)6.5000%3,545
Retained earnings to average equity (ytd only)0.2835%4,070
Net charge-offs to loans0.1238%657
Credit loss provision to net charge-offs63.5486%1,840
Earnings coverage of net charge-offs (x)23.4969%1,732
Efficiency ratio45.8546%4,143
Assets per employee ($millions)10.0948%643
Cash dividends to net income (ytd only)*95.6408%268
Condition Ratios (%)
Loss allowance to loans1.6400%804
Loan loss allowance to noncurrent loans584.5973%1,308
Noncurrent assets plus other real estate owned to assets0.1767%2,404
Noncurrent loans to loans0.2805%2,233
Net loans and leases to total assets53.6400%3,392
Net loans and leases to deposits76.8582%2,348
Net loans and leases to core deposits79.9799%2,604
Total domestic deposits to total assets69.8000%4,328
Equity capital to assets17.8493%352
Core capital (leverage) ratio9.9919%2,830
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9978%1,319
Memoranda:
Average total assets$38,682,002,25058
Average earning assets$33,981,350,75062
Average equity$6,843,394,50038
Average total loans$20,315,211,25068
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1004%3,487
Cost of funding earning assets1.2268%1,912
Net interest margin2.8736%3,692
Noninterest income to average assets0.3700%2,628
Noninterest expense to average assets1.3539%4,448
Loan and lease loss provision to assets0.1000%1,140
Net operating income to assets1.1334%2,024
Return on assets (ROA)1.1334%2,020
Pretax return on assets1.4437%1,714
Return on Equity (ROE)6.4300%3,586
Retained earnings to average equity (ytd only)-1.3319%4,240
Net charge-offs to loans0.1549%503
Credit loss provision to net charge-offs77.5663%1,562
Earnings coverage of net charge-offs (x)19.1767%1,751
Efficiency ratio45.7893%4,174
Assets per employee ($millions)10.7558%538
Cash dividends to net income (ytd only)*120.7261%194
Condition Ratios (%)
Loss allowance to loans1.5942%945
Loan loss allowance to noncurrent loans580.5052%1,395
Noncurrent assets plus other real estate owned to assets0.1568%2,452
Noncurrent loans to loans0.2746%2,170
Net loans and leases to total assets53.4000%3,314
Net loans and leases to deposits77.5935%2,166
Net loans and leases to core deposits80.2947%2,447
Total domestic deposits to total assets68.8200%4,384
Equity capital to assets17.4270%367
Core capital (leverage) ratio9.9384%2,812
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4830%1,430
Memoranda:
Average total assets$38,476,344,00057
Average earning assets$33,811,310,00061
Average equity$6,786,324,66738
Average total loans$19,942,710,66766
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9756%3,497
Cost of funding earning assets1.0072%2,021
Net interest margin2.9684%3,662
Noninterest income to average assets0.3700%2,592
Noninterest expense to average assets1.2613%4,557
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.3516%1,544
Return on assets (ROA)1.3516%1,513
Pretax return on assets1.7169%1,240
Return on Equity (ROE)7.6200%3,383
Retained earnings to average equity (ytd only)2.3013%3,650
Net charge-offs to loans-0.0129%3,935
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio41.5073%4,404
Assets per employee ($millions)10.3612%620
Cash dividends to net income (ytd only)*69.7800%790
Condition Ratios (%)
Loss allowance to loans1.4595%1,398
Loan loss allowance to noncurrent loans1,254.4052%823
Noncurrent assets plus other real estate owned to assets0.0647%3,147
Noncurrent loans to loans0.1164%2,937
Net loans and leases to total assets50.3600%3,460
Net loans and leases to deposits70.3940%2,574
Net loans and leases to core deposits72.2686%2,800
Total domestic deposits to total assets71.5500%4,373
Equity capital to assets17.7687%313
Core capital (leverage) ratio10.0263%2,664
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.3512%1,300
Memoranda:
Average total assets$37,762,430,50061
Average earning assets$33,186,601,50064
Average equity$6,702,433,00041
Average total loans$19,087,093,00071
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2890%3,610
Cost of funding earning assets0.2686%3,170
Net interest margin3.0204%3,396
Noninterest income to average assets0.3800%2,814
Noninterest expense to average assets1.2405%4,590
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets1.4184%1,084
Return on assets (ROA)1.4184%1,047
Pretax return on assets1.7981%737
Return on Equity (ROE)8.2100%3,327
Retained earnings to average equity (ytd only)4.2775%3,311
Net charge-offs to loans0.0260%1,539
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)141.5273%817
Efficiency ratio39.9251%4,539
Assets per employee ($millions)10.3760%595
Cash dividends to net income (ytd only)*47.8678%1,504
Condition Ratios (%)
Loss allowance to loans1.4946%1,219
Loan loss allowance to noncurrent loans1,102.8789%919
Noncurrent assets plus other real estate owned to assets0.0729%3,057
Noncurrent loans to loans0.1355%2,835
Net loans and leases to total assets49.2300%3,564
Net loans and leases to deposits64.9350%2,960
Net loans and leases to core deposits66.3620%3,109
Total domestic deposits to total assets75.8200%4,269
Equity capital to assets17.7291%307
Core capital (leverage) ratio10.1228%2,522
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.4597%1,249
Memoranda:
Average total assets$37,810,918,40063
Average earning assets$33,335,942,20064
Average equity$6,536,302,20042
Average total loans$18,447,725,40073
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1424%3,574
Cost of funding earning assets0.1487%3,855
Net interest margin2.9937%3,232
Noninterest income to average assets0.3700%2,924
Noninterest expense to average assets1.2482%4,605
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.3923%1,115
Return on assets (ROA)1.3923%1,084
Pretax return on assets1.7668%790
Return on Equity (ROE)8.1100%3,294
Retained earnings to average equity (ytd only)3.9065%3,472
Net charge-offs to loans0.0305%1,226
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)119.3585%850
Efficiency ratio40.4907%4,561
Assets per employee ($millions)10.5346%560
Cash dividends to net income (ytd only)*51.8078%1,119
Condition Ratios (%)
Loss allowance to loans1.5248%1,232
Loan loss allowance to noncurrent loans1,558.3973%683
Noncurrent assets plus other real estate owned to assets0.0525%3,355
Noncurrent loans to loans0.0978%3,179
Net loans and leases to total assets48.1600%3,615
Net loans and leases to deposits61.9858%3,024
Net loans and leases to core deposits63.5561%3,153
Total domestic deposits to total assets77.7000%4,280
Equity capital to assets17.4344%299
Core capital (leverage) ratio9.9166%2,637
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.0440%1,415
Memoranda:
Average total assets$37,839,655,50066
Average earning assets$33,387,974,75065
Average equity$6,499,589,25045
Average total loans$18,349,700,00074
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0350%3,464
Cost of funding earning assets0.1100%4,083
Net interest margin2.9250%3,102
Noninterest income to average assets0.3809%2,864
Noninterest expense to average assets1.2493%4,613
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.3533%1,013
Return on assets (ROA)1.3533%997
Pretax return on assets1.7144%728
Return on Equity (ROE)7.9181%3,038
Retained earnings to average equity (ytd only)3.0404%3,429
Net charge-offs to loans0.0265%1,186
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)133.9793%696
Efficiency ratio41.2259%4,587
Assets per employee ($millions)10.4613%575
Cash dividends to net income (ytd only)*61.6017%1,018
Condition Ratios (%)
Loss allowance to loans1.5595%1,246
Loan loss allowance to noncurrent loans1,376.3038%733
Noncurrent assets plus other real estate owned to assets0.0593%3,390
Noncurrent loans to loans0.1133%3,175
Net loans and leases to total assets47.9153%3,562
Net loans and leases to deposits59.8495%3,059
Net loans and leases to core deposits61.6503%3,144
Total domestic deposits to total assets80.0598%4,221
Equity capital to assets17.3928%255
Core capital (leverage) ratio9.5497%2,874
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8653%1,469
Memoranda:
Average total assets$37,839,423,00065
Average earning assets$33,412,908,00065
Average equity$6,467,041,00045
Average total loans$18,297,504,00073
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9624%3,364
Cost of funding earning assets0.1070%4,051
Net interest margin2.8554%2,972
Noninterest income to average assets0.3708%2,865
Noninterest expense to average assets1.2301%4,656
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.3142%973
Return on assets (ROA)1.3142%958
Pretax return on assets1.6638%736
Return on Equity (ROE)7.7572%2,775
Retained earnings to average equity (ytd only)4.7792%2,675
Net charge-offs to loans0.0265%1,054
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)130.0666%584
Efficiency ratio41.5534%4,612
Assets per employee ($millions)10.6467%569
Cash dividends to net income (ytd only)*38.3902%1,538
Condition Ratios (%)
Loss allowance to loans1.5783%1,329
Loan loss allowance to noncurrent loans1,120.0432%838
Noncurrent assets plus other real estate owned to assets0.0710%3,358
Noncurrent loans to loans0.1409%3,105
Net loans and leases to total assets46.4597%3,538
Net loans and leases to deposits57.1052%3,167
Net loans and leases to core deposits59.2247%3,212
Total domestic deposits to total assets81.3581%4,161
Equity capital to assets16.9452%272
Core capital (leverage) ratio9.4027%2,903
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9225%1,536
Memoranda:
Average total assets$38,054,385,00065
Average earning assets$33,626,004,00066
Average equity$6,447,289,50047
Average total loans$18,341,834,00075
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3315%3,107
Cost of funding earning assets0.1734%3,740
Net interest margin3.1581%2,718
Noninterest income to average assets0.3919%3,092
Noninterest expense to average assets1.2783%4,690
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.4770%1,071
Return on assets (ROA)1.4770%1,122
Pretax return on assets1.8720%782
Return on Equity (ROE)8.4913%3,082
Retained earnings to average equity (ytd only)4.8345%2,846
Net charge-offs to loans0.1535%624
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)22.7097%1,791
Efficiency ratio39.5588%4,695
Assets per employee ($millions)10.2144%627
Cash dividends to net income (ytd only)*43.0647%1,866
Condition Ratios (%)
Loss allowance to loans1.5383%1,433
Loan loss allowance to noncurrent loans1,054.5736%846
Noncurrent assets plus other real estate owned to assets0.0734%3,441
Noncurrent loans to loans0.1459%3,211
Net loans and leases to total assets48.4479%3,459
Net loans and leases to deposits59.4875%3,126
Net loans and leases to core deposits61.9587%3,169
Total domestic deposits to total assets81.4422%4,048
Equity capital to assets16.9394%301
Core capital (leverage) ratio9.5809%2,774
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3869%1,716
Memoranda:
Average total assets$36,015,195,60062
Average earning assets$31,457,282,20069
Average equity$6,264,787,40047
Average total loans$19,342,298,20071
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4189%3,050
Cost of funding earning assets0.1963%3,642
Net interest margin3.2226%2,663
Noninterest income to average assets0.3970%3,102
Noninterest expense to average assets1.2925%4,758
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.5080%1,251
Return on assets (ROA)1.5080%1,302
Pretax return on assets1.9111%928
Return on Equity (ROE)8.6093%3,231
Retained earnings to average equity (ytd only)4.7544%3,310
Net charge-offs to loans0.1972%428
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)17.6482%1,807
Efficiency ratio39.3281%4,740
Assets per employee ($millions)10.0718%625
Cash dividends to net income (ytd only)*44.7758%1,410
Condition Ratios (%)
Loss allowance to loans1.5149%1,579
Loan loss allowance to noncurrent loans796.1273%954
Noncurrent assets plus other real estate owned to assets0.0992%3,439
Noncurrent loans to loans0.1903%3,187
Net loans and leases to total assets51.1377%3,288
Net loans and leases to deposits63.1818%2,939
Net loans and leases to core deposits66.0716%2,948
Total domestic deposits to total assets80.9373%4,103
Equity capital to assets17.3327%314
Core capital (leverage) ratio9.5162%3,000
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1412%1,914
Memoranda:
Average total assets$35,560,499,50062
Average earning assets$30,970,083,50069
Average equity$6,228,773,50048
Average total loans$19,523,836,75072
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4863%2,925
Cost of funding earning assets0.2201%3,558
Net interest margin3.2662%2,560
Noninterest income to average assets0.4067%3,073
Noninterest expense to average assets1.3017%4,786
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.5328%1,209
Return on assets (ROA)1.5328%1,271
Pretax return on assets1.9419%933
Return on Equity (ROE)8.7192%3,186
Retained earnings to average equity (ytd only)5.7816%2,899
Net charge-offs to loans0.1338%593
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)25.9551%1,395
Efficiency ratio39.1131%4,773
Assets per employee ($millions)9.6933%674
Cash dividends to net income (ytd only)*33.6907%1,884
Condition Ratios (%)
Loss allowance to loans1.5733%1,347
Loan loss allowance to noncurrent loans912.0265%796
Noncurrent assets plus other real estate owned to assets0.0924%3,587
Noncurrent loans to loans0.1725%3,352
Net loans and leases to total assets52.4929%3,296
Net loans and leases to deposits64.9062%2,907
Net loans and leases to core deposits68.1212%2,952
Total domestic deposits to total assets80.8750%4,106
Equity capital to assets17.4092%304
Core capital (leverage) ratio9.4409%2,973
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6106%1,758
Memoranda:
Average total assets$35,243,880,33362
Average earning assets$30,609,731,00069
Average equity$6,195,620,66748
Average total loans$19,712,538,33371
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5984%2,643
Cost of funding earning assets0.2372%3,585
Net interest margin3.3612%2,213
Noninterest income to average assets0.3979%3,100
Noninterest expense to average assets1.3340%4,798
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.5698%1,180
Return on assets (ROA)1.5698%1,236
Pretax return on assets1.9877%964
Return on Equity (ROE)8.8854%3,072
Retained earnings to average equity (ytd only)6.0242%2,890
Net charge-offs to loans0.1777%444
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)19.5321%1,261
Efficiency ratio39.1472%4,771
Assets per employee ($millions)9.3886%723
Cash dividends to net income (ytd only)*32.2012%1,641
Condition Ratios (%)
Loss allowance to loans1.5643%1,385
Loan loss allowance to noncurrent loans708.8698%891
Noncurrent assets plus other real estate owned to assets0.1232%3,561
Noncurrent loans to loans0.2207%3,310
Net loans and leases to total assets54.3575%3,204
Net loans and leases to deposits67.0907%2,802
Net loans and leases to core deposits70.3877%2,837
Total domestic deposits to total assets81.0210%4,061
Equity capital to assets17.4266%281
Core capital (leverage) ratio9.6241%2,909
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9746%1,905
Memoranda:
Average total assets$34,816,805,00065
Average earning assets$30,286,039,50070
Average equity$6,151,248,50047
Average total loans$19,942,915,00072
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0605%2,548
Cost of funding earning assets0.4014%3,566
Net interest margin3.6590%1,940
Noninterest income to average assets0.4064%3,061
Noninterest expense to average assets1.4682%4,802
Loan and lease loss provision to assets0.0609%3,608
Net operating income to assets1.6477%576
Return on assets (ROA)1.6477%622
Pretax return on assets2.0231%439
Return on Equity (ROE)8.9490%2,414
Retained earnings to average equity (ytd only)3.1424%3,263
Net charge-offs to loans0.1596%1,022
Credit loss provision to net charge-offs62.6194%3,077
Earnings coverage of net charge-offs (x)21.4350%1,898
Efficiency ratio40.2027%4,864
Assets per employee ($millions)9.0707%723
Cash dividends to net income (ytd only)*64.8856%1,147
Condition Ratios (%)
Loss allowance to loans1.5611%1,395
Loan loss allowance to noncurrent loans646.5674%946
Noncurrent assets plus other real estate owned to assets0.1746%3,407
Noncurrent loans to loans0.2414%3,329
Net loans and leases to total assets58.5003%3,034
Net loans and leases to deposits72.7250%2,615
Net loans and leases to core deposits76.4733%2,682
Total domestic deposits to total assets80.4405%3,971
Equity capital to assets17.9190%278
Core capital (leverage) ratio9.5792%3,033
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1369%2,190
Memoranda:
Average total assets$32,850,385,60063
Average earning assets$28,242,119,00068
Average equity$6,048,467,80044
Average total loans$20,008,059,80071
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1419%2,548
Cost of funding earning assets0.4422%3,570
Net interest margin3.6998%1,941
Noninterest income to average assets0.3966%3,097
Noninterest expense to average assets1.4974%4,803
Loan and lease loss provision to assets0.0819%3,291
Net operating income to assets1.6424%658
Return on assets (ROA)1.6424%730
Pretax return on assets1.9924%524
Return on Equity (ROE)8.8579%2,456
Retained earnings to average equity (ytd only)4.9246%2,590
Net charge-offs to loans0.1629%905
Credit loss provision to net charge-offs82.0614%2,746
Earnings coverage of net charge-offs (x)20.7755%1,891
Efficiency ratio40.7859%4,876
Assets per employee ($millions)8.9554%700
Cash dividends to net income (ytd only)*44.4042%1,742
Condition Ratios (%)
Loss allowance to loans1.5563%1,212
Loan loss allowance to noncurrent loans559.2062%964
Noncurrent assets plus other real estate owned to assets0.2086%3,398
Noncurrent loans to loans0.2783%3,295
Net loans and leases to total assets61.5180%3,067
Net loans and leases to deposits77.0751%2,644
Net loans and leases to core deposits81.0983%2,744
Total domestic deposits to total assets79.8157%3,900
Equity capital to assets18.4404%272
Core capital (leverage) ratio9.8884%2,831
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1880%2,113
Memoranda:
Average total assets$32,545,561,75064
Average earning assets$27,930,879,50068
Average equity$6,034,352,25044
Average total loans$19,948,338,75070
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2286%2,671
Cost of funding earning assets0.4965%3,555
Net interest margin3.7320%2,046
Noninterest income to average assets0.3793%3,203
Noninterest expense to average assets1.5591%4,810
Loan and lease loss provision to assets0.0619%3,522
Net operating income to assets1.6492%679
Return on assets (ROA)1.6492%739
Pretax return on assets1.9547%603
Return on Equity (ROE)8.8783%2,406
Retained earnings to average equity (ytd only)4.2748%2,787
Net charge-offs to loans0.1404%1,015
Credit loss provision to net charge-offs72.4533%2,539
Earnings coverage of net charge-offs (x)23.5980%1,594
Efficiency ratio42.4495%4,852
Assets per employee ($millions)8.6939%759
Cash dividends to net income (ytd only)*51.8512%1,494
Condition Ratios (%)
Loss allowance to loans1.5420%1,143
Loan loss allowance to noncurrent loans452.8319%1,088
Noncurrent assets plus other real estate owned to assets0.2358%3,380
Noncurrent loans to loans0.3405%3,176
Net loans and leases to total assets62.7760%3,037
Net loans and leases to deposits78.8888%2,559
Net loans and leases to core deposits82.9522%2,698
Total domestic deposits to total assets79.5753%3,923
Equity capital to assets18.3193%278
Core capital (leverage) ratio9.7409%3,094
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2316%2,508
Memoranda:
Average total assets$32,301,383,66765
Average earning assets$27,665,116,33368
Average equity$6,000,261,00043
Average total loans$19,665,904,66771
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3620%2,741
Cost of funding earning assets0.5991%3,443
Net interest margin3.7630%2,101
Noninterest income to average assets0.4402%2,847
Noninterest expense to average assets1.5135%4,910
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.6895%523
Return on assets (ROA)1.6895%576
Pretax return on assets2.1365%347
Return on Equity (ROE)9.0306%2,102
Retained earnings to average equity (ytd only)2.7354%3,182
Net charge-offs to loans0.0169%2,034
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)213.1486%328
Efficiency ratio40.3124%4,974
Assets per employee ($millions)8.3934%647
Cash dividends to net income (ytd only)*69.7100%1,210
Condition Ratios (%)
Loss allowance to loans1.7107%862
Loan loss allowance to noncurrent loans532.4838%920
Noncurrent assets plus other real estate owned to assets0.2108%3,632
Noncurrent loans to loans0.3213%3,340
Net loans and leases to total assets59.2241%3,572
Net loans and leases to deposits78.6974%2,819
Net loans and leases to core deposits83.7518%2,870
Total domestic deposits to total assets75.2555%4,561
Equity capital to assets18.7510%307
Core capital (leverage) ratio9.8455%3,617
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2746%2,579
Memoranda:
Average total assets$31,964,119,00065
Average earning assets$27,265,654,00069
Average equity$5,979,918,00043
Average total loans$18,986,270,50071
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9703%4,325
Cost of funding earning assets0.6515%3,406
Net interest margin3.3189%3,945
Noninterest income to average assets0.4969%2,763
Noninterest expense to average assets1.5515%4,978
Loan and lease loss provision to assets0.0177%3,661
Net operating income to assets1.4327%1,235
Return on assets (ROA)1.4327%1,303
Pretax return on assets1.8004%936
Return on Equity (ROE)7.7975%3,252
Retained earnings to average equity (ytd only)-4.5403%4,967
Net charge-offs to loans0.0269%2,859
Credit loss provision to net charge-offs131.4583%1,939
Earnings coverage of net charge-offs (x)135.2813%537
Efficiency ratio45.2462%4,939
Assets per employee ($millions)8.2503%651
Cash dividends to net income (ytd only)*158.2280%107
Condition Ratios (%)
Loss allowance to loans0.4641%4,933
Loan loss allowance to noncurrent loans157.0810%2,518
Noncurrent assets plus other real estate owned to assets0.1946%3,682
Noncurrent loans to loans0.2955%3,368
Net loans and leases to total assets58.2825%3,747
Net loans and leases to deposits77.1901%3,077
Net loans and leases to core deposits82.5610%3,081
Total domestic deposits to total assets75.5051%4,655
Equity capital to assets18.6660%321
Core capital (leverage) ratio10.5778%2,877
Tier 1 risk-based capital ratio12.4911%4,071
Total risk-based capital ratio12.8930%4,443
Memoranda:
Average total assets$24,338,898,80077
Average earning assets$21,066,584,40077
Average equity$4,471,859,80055
Average total loans$12,178,080,00090
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8440%4,618
Cost of funding earning assets0.6561%3,422
Net interest margin3.1879%4,326
Noninterest income to average assets0.5110%2,664
Noninterest expense to average assets1.3711%5,124
Loan and lease loss provision to assets0.0155%3,599
Net operating income to assets1.5139%1,156
Return on assets (ROA)1.5139%1,212
Pretax return on assets1.9011%865
Return on Equity (ROE)8.2870%3,198
Retained earnings to average equity (ytd only)2.5229%4,081
Net charge-offs to loans0.0251%2,597
Credit loss provision to net charge-offs131.3795%1,811
Earnings coverage of net charge-offs (x)162.5443%512
Efficiency ratio41.0093%5,103
Assets per employee ($millions)7.2546%929
Cash dividends to net income (ytd only)*69.5560%970
Condition Ratios (%)
Loss allowance to loans0.8157%4,366
Loan loss allowance to noncurrent loans173.0353%2,345
Noncurrent assets plus other real estate owned to assets0.2315%3,650
Noncurrent loans to loans0.4714%2,888
Net loans and leases to total assets47.9383%4,511
Net loans and leases to deposits62.3914%4,266
Net loans and leases to core deposits64.6885%4,337
Total domestic deposits to total assets76.8347%4,535
Equity capital to assets18.6271%338
Core capital (leverage) ratio10.8169%2,820
Tier 1 risk-based capital ratio16.6165%2,222
Total risk-based capital ratio17.2762%2,359
Memoranda:
Average total assets$22,377,519,50080
Average earning assets$19,490,991,50079
Average equity$4,087,936,25058
Average total loans$10,511,263,750102
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8308%4,672
Cost of funding earning assets0.6526%3,396
Net interest margin3.1782%4,405
Noninterest income to average assets0.5000%2,681
Noninterest expense to average assets1.3652%5,180
Loan and lease loss provision to assets0.0133%3,506
Net operating income to assets1.5058%1,135
Return on assets (ROA)1.5058%1,187
Pretax return on assets1.8905%852
Return on Equity (ROE)8.2960%3,164
Retained earnings to average equity (ytd only)3.4788%3,501
Net charge-offs to loans0.0179%2,515
Credit loss provision to net charge-offs160.5996%1,423
Earnings coverage of net charge-offs (x)229.0653%351
Efficiency ratio41.0587%5,141
Assets per employee ($millions)7.3489%867
Cash dividends to net income (ytd only)*58.0670%1,467
Condition Ratios (%)
Loss allowance to loans0.8218%4,359
Loan loss allowance to noncurrent loans223.7636%1,981
Noncurrent assets plus other real estate owned to assets0.1827%3,847
Noncurrent loans to loans0.3673%3,208
Net loans and leases to total assets46.9085%4,609
Net loans and leases to deposits61.9814%4,334
Net loans and leases to core deposits64.1450%4,406
Total domestic deposits to total assets75.6816%4,704
Equity capital to assets18.3530%347
Core capital (leverage) ratio10.5987%2,984
Tier 1 risk-based capital ratio16.4915%2,235
Total risk-based capital ratio17.1480%2,399
Memoranda:
Average total assets$22,475,643,00080
Average earning assets$19,581,689,33079
Average equity$4,079,431,00058
Average total loans$10,457,236,670105
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8051%4,703
Cost of funding earning assets0.6335%3,388
Net interest margin3.1717%4,451
Noninterest income to average assets0.4842%2,650
Noninterest expense to average assets1.3396%5,246
Loan and lease loss provision to assets0.0124%3,275
Net operating income to assets1.5073%1,098
Return on assets (ROA)1.5073%1,126
Pretax return on assets1.8955%804
Return on Equity (ROE)8.3508%3,094
Retained earnings to average equity (ytd only)5.5956%2,644
Net charge-offs to loans0.0404%1,695
Credit loss provision to net charge-offs66.7302%1,874
Earnings coverage of net charge-offs (x)102.4013%658
Efficiency ratio40.5283%5,198
Assets per employee ($millions)7.2929%878
Cash dividends to net income (ytd only)*32.9936%2,141
Condition Ratios (%)
Loss allowance to loans0.8267%4,431
Loan loss allowance to noncurrent loans225.7355%1,981
Noncurrent assets plus other real estate owned to assets0.1800%3,912
Noncurrent loans to loans0.3662%3,270
Net loans and leases to total assets46.2041%4,663
Net loans and leases to deposits59.9571%4,416
Net loans and leases to core deposits61.9573%4,481
Total domestic deposits to total assets77.0619%4,645
Equity capital to assets18.3137%321
Core capital (leverage) ratio10.5303%3,017
Tier 1 risk-based capital ratio16.6708%2,205
Total risk-based capital ratio17.3320%2,347
Memoranda:
Average total assets$22,521,064,50081
Average earning assets$19,620,762,50080
Average equity$4,065,001,50059
Average total loans$10,392,167,500106
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7017%4,669
Cost of funding earning assets0.4937%3,399
Net interest margin3.2080%4,470
Noninterest income to average assets0.4939%2,863
Noninterest expense to average assets1.3873%5,267
Loan and lease loss provision to assets0.0724%2,686
Net operating income to assets1.4613%1,234
Return on assets (ROA)1.4613%1,224
Pretax return on assets1.8335%841
Return on Equity (ROE)8.4182%3,261
Retained earnings to average equity (ytd only)5.8415%2,274
Net charge-offs to loans0.1372%1,387
Credit loss provision to net charge-offs117.1959%2,214
Earnings coverage of net charge-offs (x)30.8504%1,566
Efficiency ratio41.3247%5,257
Assets per employee ($millions)7.4734%803
Cash dividends to net income (ytd only)*30.6085%3,013
Condition Ratios (%)
Loss allowance to loans0.8335%4,426
Loan loss allowance to noncurrent loans503.9939%1,092
Noncurrent assets plus other real estate owned to assets0.0835%4,399
Noncurrent loans to loans0.1654%4,003
Net loans and leases to total assets45.3248%4,768
Net loans and leases to deposits59.5304%4,505
Net loans and leases to core deposits61.5552%4,560
Total domestic deposits to total assets76.1373%4,741
Equity capital to assets17.7898%361
Core capital (leverage) ratio10.1762%3,378
Tier 1 risk-based capital ratio16.2357%2,327
Total risk-based capital ratio16.9001%2,480
Memoranda:
Average total assets$22,581,415,40079
Average earning assets$19,705,674,40081
Average equity$3,919,790,40057
Average total loans$10,168,382,600102
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6649%4,707
Cost of funding earning assets0.4566%3,485
Net interest margin3.2083%4,494
Noninterest income to average assets0.4953%2,901
Noninterest expense to average assets1.3934%5,327
Loan and lease loss provision to assets0.0907%2,163
Net operating income to assets1.4447%1,345
Return on assets (ROA)1.4446%1,348
Pretax return on assets1.8136%984
Return on Equity (ROE)8.3747%3,391
Retained earnings to average equity (ytd only)5.8730%2,721
Net charge-offs to loans0.1765%943
Credit loss provision to net charge-offs114.5950%2,054
Earnings coverage of net charge-offs (x)24.0504%1,828
Efficiency ratio41.4370%5,291
Assets per employee ($millions)7.4656%786
Cash dividends to net income (ytd only)*29.8718%2,559
Condition Ratios (%)
Loss allowance to loans0.8355%4,506
Loan loss allowance to noncurrent loans545.0374%1,009
Noncurrent assets plus other real estate owned to assets0.0737%4,604
Noncurrent loans to loans0.1533%4,193
Net loans and leases to total assets45.1368%4,834
Net loans and leases to deposits60.8672%4,508
Net loans and leases to core deposits62.9802%4,575
Total domestic deposits to total assets74.1562%4,964
Equity capital to assets17.5956%370
Core capital (leverage) ratio9.8830%3,764
Tier 1 risk-based capital ratio15.8452%2,507
Total risk-based capital ratio16.5108%2,681
Memoranda:
Average total assets$22,554,447,75078
Average earning assets$19,702,131,00079
Average equity$3,890,645,50057
Average total loans$10,117,900,000102
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6197%4,734
Cost of funding earning assets0.4087%3,660
Net interest margin3.2110%4,472
Noninterest income to average assets0.4822%2,962
Noninterest expense to average assets1.3952%5,397
Loan and lease loss provision to assets0.1154%1,721
Net operating income to assets1.4153%1,378
Return on assets (ROA)1.4152%1,384
Pretax return on assets1.7761%1,018
Return on Equity (ROE)8.2596%3,387
Retained earnings to average equity (ytd only)5.7733%2,687
Net charge-offs to loans0.2401%661
Credit loss provision to net charge-offs107.6426%1,923
Earnings coverage of net charge-offs (x)17.6477%1,944
Efficiency ratio41.6209%5,360
Assets per employee ($millions)7.4111%787
Cash dividends to net income (ytd only)*30.1016%2,584
Condition Ratios (%)
Loss allowance to loans0.8374%4,581
Loan loss allowance to noncurrent loans399.4734%1,328
Noncurrent assets plus other real estate owned to assets0.1400%4,288
Noncurrent loans to loans0.2096%3,972
Net loans and leases to total assets44.6006%4,882
Net loans and leases to deposits59.1624%4,581
Net loans and leases to core deposits61.0733%4,650
Total domestic deposits to total assets75.3867%4,918
Equity capital to assets17.3715%372
Core capital (leverage) ratio9.6054%3,991
Tier 1 risk-based capital ratio15.5602%2,610
Total risk-based capital ratio16.2260%2,810
Memoranda:
Average total assets$22,534,877,00078
Average earning assets$19,682,631,33078
Average equity$3,861,218,33057
Average total loans$10,059,584,670102
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4854%4,904
Cost of funding earning assets0.3610%3,902
Net interest margin3.1244%4,655
Noninterest income to average assets0.4791%2,945
Noninterest expense to average assets1.3634%5,464
Loan and lease loss provision to assets0.1598%1,129
Net operating income to assets1.3437%1,497
Return on assets (ROA)1.3437%1,512
Pretax return on assets1.6842%1,157
Return on Equity (ROE)7.8970%3,419
Retained earnings to average equity (ytd only)5.2877%3,041
Net charge-offs to loans0.3770%417
Credit loss provision to net charge-offs95.3289%1,631
Earnings coverage of net charge-offs (x)10.9979%1,873
Efficiency ratio41.6392%5,411
Assets per employee ($millions)7.4206%795
Cash dividends to net income (ytd only)*33.0421%2,065
Condition Ratios (%)
Loss allowance to loans0.8350%4,685
Loan loss allowance to noncurrent loans368.6230%1,404
Noncurrent assets plus other real estate owned to assets0.1479%4,342
Noncurrent loans to loans0.2265%3,962
Net loans and leases to total assets44.1978%4,886
Net loans and leases to deposits57.1996%4,631
Net loans and leases to core deposits59.2017%4,690
Total domestic deposits to total assets77.2695%4,831
Equity capital to assets17.1746%386
Core capital (leverage) ratio9.3317%4,280
Tier 1 risk-based capital ratio15.2056%2,785
Total risk-based capital ratio15.8666%2,969
Memoranda:
Average total assets$22,522,647,50077
Average earning assets$19,667,610,50080
Average equity$3,832,382,50057
Average total loans$10,016,094,500102
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4872%4,804
Cost of funding earning assets0.3103%4,035
Net interest margin3.1768%4,502
Noninterest income to average assets0.4782%3,139
Noninterest expense to average assets1.3457%5,547
Loan and lease loss provision to assets0.0641%2,942
Net operating income to assets1.2496%1,362
Return on assets (ROA)1.2596%1,353
Pretax return on assets1.8498%693
Return on Equity (ROE)7.5807%3,001
Retained earnings to average equity (ytd only)5.0233%2,113
Net charge-offs to loans0.1588%1,534
Credit loss provision to net charge-offs91.7681%2,754
Earnings coverage of net charge-offs (x)27.2026%1,641
Efficiency ratio40.5129%5,520
Assets per employee ($millions)7.4853%774
Cash dividends to net income (ytd only)*33.7353%3,136
Condition Ratios (%)
Loss allowance to loans0.8387%4,703
Loan loss allowance to noncurrent loans319.9368%1,587
Noncurrent assets plus other real estate owned to assets0.1657%4,314
Noncurrent loans to loans0.2621%3,848
Net loans and leases to total assets44.0008%4,975
Net loans and leases to deposits55.7033%4,819
Net loans and leases to core deposits57.6740%4,865
Total domestic deposits to total assets78.9914%4,549
Equity capital to assets16.8576%411
Core capital (leverage) ratio9.2483%4,348
Tier 1 risk-based capital ratio14.9785%2,863
Total risk-based capital ratio15.6463%3,053
Memoranda:
Average total assets$22,357,434,20076
Average earning assets$19,471,728,60077
Average equity$3,714,752,20054
Average total loans$9,831,461,400102
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4782%4,844
Cost of funding earning assets0.3066%4,069
Net interest margin3.1716%4,526
Noninterest income to average assets0.4878%3,098
Noninterest expense to average assets1.3465%5,595
Loan and lease loss provision to assets0.0737%2,597
Net operating income to assets1.2314%1,573
Return on assets (ROA)1.2445%1,555
Pretax return on assets1.8498%784
Return on Equity (ROE)7.5178%3,379
Retained earnings to average equity (ytd only)5.0619%2,848
Net charge-offs to loans0.1477%1,360
Credit loss provision to net charge-offs113.7098%2,091
Earnings coverage of net charge-offs (x)29.3802%1,575
Efficiency ratio40.4477%5,570
Assets per employee ($millions)7.3948%798
Cash dividends to net income (ytd only)*32.6676%2,624
Condition Ratios (%)
Loss allowance to loans0.8759%4,670
Loan loss allowance to noncurrent loans278.2347%1,684
Noncurrent assets plus other real estate owned to assets0.2065%4,254
Noncurrent loans to loans0.3148%3,823
Net loans and leases to total assets44.3886%5,008
Net loans and leases to deposits57.9844%4,756
Net loans and leases to core deposits60.2340%4,806
Total domestic deposits to total assets76.5528%4,952
Equity capital to assets16.9962%428
Core capital (leverage) ratio9.0816%4,651
Tier 1 risk-based capital ratio15.0783%2,884
Total risk-based capital ratio15.7891%3,076
Memoranda:
Average total assets$22,301,026,00076
Average earning assets$19,425,387,75076
Average equity$3,691,697,00054
Average total loans$9,784,133,500101
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4302%4,915
Cost of funding earning assets0.2920%4,160
Net interest margin3.1382%4,576
Noninterest income to average assets0.4791%3,157
Noninterest expense to average assets1.3405%5,650
Loan and lease loss provision to assets0.0485%3,021
Net operating income to assets1.2257%1,516
Return on assets (ROA)1.2453%1,482
Pretax return on assets1.8523%738
Return on Equity (ROE)7.5898%3,245
Retained earnings to average equity (ytd only)5.0273%2,692
Net charge-offs to loans0.1431%1,299
Credit loss provision to net charge-offs77.8559%2,287
Earnings coverage of net charge-offs (x)30.0253%1,462
Efficiency ratio40.7214%5,608
Assets per employee ($millions)7.3383%802
Cash dividends to net income (ytd only)*33.7619%2,632
Condition Ratios (%)
Loss allowance to loans0.8494%4,818
Loan loss allowance to noncurrent loans260.7625%1,783
Noncurrent assets plus other real estate owned to assets0.2136%4,307
Noncurrent loans to loans0.3257%3,866
Net loans and leases to total assets43.8845%5,046
Net loans and leases to deposits57.1879%4,790
Net loans and leases to core deposits59.3142%4,861
Total domestic deposits to total assets76.7374%4,997
Equity capital to assets16.6674%441
Core capital (leverage) ratio8.7358%5,017
Tier 1 risk-based capital ratio14.6714%3,078
Total risk-based capital ratio15.3572%3,282
Memoranda:
Average total assets$22,357,146,33073
Average earning assets$19,470,289,33076
Average equity$3,668,362,00053
Average total loans$9,741,777,330101
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3952%4,930
Cost of funding earning assets0.2594%4,458
Net interest margin3.1358%4,544
Noninterest income to average assets0.5349%2,740
Noninterest expense to average assets1.3534%5,717
Loan and lease loss provision to assets0.0478%2,857
Net operating income to assets1.2455%1,389
Return on assets (ROA)1.2455%1,426
Pretax return on assets1.8633%700
Return on Equity (ROE)7.6509%3,092
Retained earnings to average equity (ytd only)5.1271%2,815
Net charge-offs to loans0.1614%1,004
Credit loss provision to net charge-offs68.4844%1,852
Earnings coverage of net charge-offs (x)27.3897%1,275
Efficiency ratio40.4100%5,688
Assets per employee ($millions)7.4074%788
Cash dividends to net income (ytd only)*32.9872%2,233
Condition Ratios (%)
Loss allowance to loans0.8635%4,881
Loan loss allowance to noncurrent loans333.1815%1,484
Noncurrent assets plus other real estate owned to assets0.1822%4,517
Noncurrent loans to loans0.2592%4,187
Net loans and leases to total assets42.9754%5,106
Net loans and leases to deposits56.6101%4,779
Net loans and leases to core deposits58.7799%4,837
Total domestic deposits to total assets75.9147%5,239
Equity capital to assets16.3292%448
Core capital (leverage) ratio8.5398%5,201
Tier 1 risk-based capital ratio14.3230%3,304
Total risk-based capital ratio15.0129%3,530
Memoranda:
Average total assets$22,392,571,00073
Average earning assets$19,491,228,50076
Average equity$3,645,264,50052
Average total loans$9,680,656,50099
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5591%4,617
Cost of funding earning assets0.2317%4,722
Net interest margin3.3274%4,064
Noninterest income to average assets0.5317%3,022
Noninterest expense to average assets1.3976%5,770
Loan and lease loss provision to assets0.1096%2,230
Net operating income to assets1.2836%1,252
Return on assets (ROA)1.2836%1,326
Pretax return on assets1.9128%603
Return on Equity (ROE)8.0997%2,885
Retained earnings to average equity (ytd only)4.0232%3,055
Net charge-offs to loans0.2093%1,332
Credit loss provision to net charge-offs119.6530%2,217
Earnings coverage of net charge-offs (x)22.0770%1,750
Efficiency ratio39.6381%5,790
Assets per employee ($millions)7.3537%774
Cash dividends to net income (ytd only)*50.3293%2,281
Condition Ratios (%)
Loss allowance to loans0.8868%4,828
Loan loss allowance to noncurrent loans261.7523%1,831
Noncurrent assets plus other real estate owned to assets0.2153%4,451
Noncurrent loans to loans0.3388%3,922
Net loans and leases to total assets42.7303%5,196
Net loans and leases to deposits55.0683%4,964
Net loans and leases to core deposits57.2515%5,005
Total domestic deposits to total assets77.5951%5,034
Equity capital to assets16.2283%470
Core capital (leverage) ratio8.5983%5,172
Tier 1 risk-based capital ratio14.3542%3,252
Total risk-based capital ratio15.0728%3,475
Memoranda:
Average total assets$21,896,209,40071
Average earning assets$19,006,754,80073
Average equity$3,469,998,60051
Average total loans$9,582,675,60095
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6075%4,532
Cost of funding earning assets0.2329%4,765
Net interest margin3.3746%3,942
Noninterest income to average assets0.5322%3,035
Noninterest expense to average assets1.4034%5,818
Loan and lease loss provision to assets0.1346%1,744
Net operating income to assets1.2891%1,325
Return on assets (ROA)1.2891%1,429
Pretax return on assets1.9226%671
Return on Equity (ROE)8.1847%2,917
Retained earnings to average equity (ytd only)0.3864%5,254
Net charge-offs to loans0.2479%947
Credit loss provision to net charge-offs123.6024%2,048
Earnings coverage of net charge-offs (x)18.8896%1,970
Efficiency ratio39.3212%5,844
Assets per employee ($millions)6.9653%903
Cash dividends to net income (ytd only)*95.2786%457
Condition Ratios (%)
Loss allowance to loans0.8963%4,887
Loan loss allowance to noncurrent loans195.1767%2,281
Noncurrent assets plus other real estate owned to assets0.2811%4,304
Noncurrent loans to loans0.4592%3,638
Net loans and leases to total assets44.2384%5,172
Net loans and leases to deposits55.8160%5,008
Net loans and leases to core deposits58.1586%5,045
Total domestic deposits to total assets79.2576%4,663
Equity capital to assets16.3267%509
Core capital (leverage) ratio8.0065%5,687
Tier 1 risk-based capital ratio13.5700%3,819
Total risk-based capital ratio14.3076%4,037
Memoranda:
Average total assets$21,790,654,25071
Average earning assets$18,909,596,75073
Average equity$3,432,025,00052
Average total loans$9,572,829,50095
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6478%4,457
Cost of funding earning assets0.2327%4,823
Net interest margin3.4152%3,832
Noninterest income to average assets0.5297%3,008
Noninterest expense to average assets1.3976%5,900
Loan and lease loss provision to assets0.1824%1,194
Net operating income to assets1.2828%1,326
Return on assets (ROA)1.2828%1,432
Pretax return on assets1.9136%674
Return on Equity (ROE)8.2429%2,864
Retained earnings to average equity (ytd only)-2.5155%5,583
Net charge-offs to loans0.3665%631
Credit loss provision to net charge-offs113.9082%1,927
Earnings coverage of net charge-offs (x)13.0865%2,146
Efficiency ratio38.8138%5,927
Assets per employee ($millions)7.0130%871
Cash dividends to net income (ytd only)*130.5168%280
Condition Ratios (%)
Loss allowance to loans0.8687%5,065
Loan loss allowance to noncurrent loans230.4911%2,026
Noncurrent assets plus other real estate owned to assets0.2389%4,540
Noncurrent loans to loans0.3769%4,013
Net loans and leases to total assets43.9171%5,238
Net loans and leases to deposits55.4671%5,050
Net loans and leases to core deposits57.9133%5,077
Total domestic deposits to total assets79.1768%4,736
Equity capital to assets15.7907%578
Core capital (leverage) ratio7.6084%5,857
Tier 1 risk-based capital ratio12.9162%4,249
Total risk-based capital ratio13.6286%4,520
Memoranda:
Average total assets$21,924,110,33071
Average earning assets$19,027,766,67074
Average equity$3,411,925,00052
Average total loans$9,581,001,33095
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7216%4,243
Cost of funding earning assets0.2312%4,889
Net interest margin3.4904%3,509
Noninterest income to average assets0.5448%2,841
Noninterest expense to average assets1.4006%5,961
Loan and lease loss provision to assets0.2546%681
Net operating income to assets1.2875%1,282
Return on assets (ROA)1.2875%1,368
Pretax return on assets1.9161%668
Return on Equity (ROE)8.3335%2,748
Retained earnings to average equity (ytd only)-10.7989%5,829
Net charge-offs to loans0.4890%457
Credit loss provision to net charge-offs119.9657%1,447
Earnings coverage of net charge-offs (x)10.2283%1,936
Efficiency ratio38.0865%5,999
Assets per employee ($millions)7.0129%893
Cash dividends to net income (ytd only)*229.5840%199
Condition Ratios (%)
Loss allowance to loans0.8671%5,161
Loan loss allowance to noncurrent loans208.6070%2,161
Noncurrent assets plus other real estate owned to assets0.2587%4,524
Noncurrent loans to loans0.4157%3,949
Net loans and leases to total assets43.5737%5,271
Net loans and leases to deposits53.4703%5,134
Net loans and leases to core deposits55.6777%5,148
Total domestic deposits to total assets81.4915%4,359
Equity capital to assets15.4399%615
Core capital (leverage) ratio7.2302%5,967
Tier 1 risk-based capital ratio12.3959%4,656
Total risk-based capital ratio13.1018%4,915
Memoranda:
Average total assets$21,994,987,50071
Average earning assets$19,072,442,50074
Average equity$3,398,094,00053
Average total loans$9,546,498,00095
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5707%4,746
Cost of funding earning assets0.2092%5,204
Net interest margin3.3615%4,068
Noninterest income to average assets0.5462%3,032
Noninterest expense to average assets1.3808%6,042
Loan and lease loss provision to assets0.0349%3,648
Net operating income to assets1.3597%1,123
Return on assets (ROA)1.3597%1,169
Pretax return on assets2.0421%494
Return on Equity (ROE)8.7730%2,582
Retained earnings to average equity (ytd only)1.0840%5,083
Net charge-offs to loans0.0751%2,753
Credit loss provision to net charge-offs108.9651%2,312
Earnings coverage of net charge-offs (x)64.8743%827
Efficiency ratio38.6621%6,081
Assets per employee ($millions)7.2524%800
Cash dividends to net income (ytd only)*87.6440%660
Condition Ratios (%)
Loss allowance to loans0.8622%5,229
Loan loss allowance to noncurrent loans201.8202%2,242
Noncurrent assets plus other real estate owned to assets0.1965%4,811
Noncurrent loans to loans0.4272%3,927
Net loans and leases to total assets42.4833%5,375
Net loans and leases to deposits52.7778%5,237
Net loans and leases to core deposits55.0333%5,255
Total domestic deposits to total assets80.4947%4,612
Equity capital to assets15.4589%604
Core capital (leverage) ratio7.7012%5,938
Tier 1 risk-based capital ratio13.0988%4,247
Total risk-based capital ratio13.7981%4,499
Memoranda:
Average total assets$21,670,716,60070
Average earning assets$18,770,486,40072
Average equity$3,358,706,80052
Average total loans$9,233,620,20094
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6182%4,674
Cost of funding earning assets0.2125%5,265
Net interest margin3.4058%3,927
Noninterest income to average assets0.5494%3,057
Noninterest expense to average assets1.3895%6,108
Loan and lease loss provision to assets0.0436%3,347
Net operating income to assets1.3742%1,164
Return on assets (ROA)1.3742%1,218
Pretax return on assets2.0679%530
Return on Equity (ROE)8.8609%2,650
Retained earnings to average equity (ytd only)0.9718%5,327
Net charge-offs to loans0.0990%2,160
Credit loss provision to net charge-offs103.5342%2,199
Earnings coverage of net charge-offs (x)50.1233%1,051
Efficiency ratio38.4113%6,156
Assets per employee ($millions)7.0647%844
Cash dividends to net income (ytd only)*89.0324%544
Condition Ratios (%)
Loss allowance to loans0.8800%5,274
Loan loss allowance to noncurrent loans179.2260%2,467
Noncurrent assets plus other real estate owned to assets0.2249%4,865
Noncurrent loans to loans0.4910%3,877
Net loans and leases to total assets42.3300%5,469
Net loans and leases to deposits53.7683%5,268
Net loans and leases to core deposits56.6332%5,271
Total domestic deposits to total assets78.7266%5,045
Equity capital to assets15.7430%605
Core capital (leverage) ratio7.5873%6,036
Tier 1 risk-based capital ratio13.2596%4,280
Total risk-based capital ratio13.9764%4,502
Memoranda:
Average total assets$21,581,994,00070
Average earning assets$18,704,334,75070
Average equity$3,347,155,25052
Average total loans$9,182,378,00096
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6571%4,551
Cost of funding earning assets0.2160%5,297
Net interest margin3.4411%3,752
Noninterest income to average assets0.5334%3,149
Noninterest expense to average assets1.4072%6,167
Loan and lease loss provision to assets0.0162%3,803
Net operating income to assets1.3892%1,115
Return on assets (ROA)1.3892%1,150
Pretax return on assets2.0905%498
Return on Equity (ROE)9.0023%2,546
Retained earnings to average equity (ytd only)-1.7007%5,796
Net charge-offs to loans0.0336%2,998
Credit loss provision to net charge-offs113.6364%1,878
Earnings coverage of net charge-offs (x)147.6851%433
Efficiency ratio38.7593%6,229
Assets per employee ($millions)7.0714%812
Cash dividends to net income (ytd only)*118.8920%315
Condition Ratios (%)
Loss allowance to loans0.8884%5,344
Loan loss allowance to noncurrent loans251.9431%1,870
Noncurrent assets plus other real estate owned to assets0.1612%5,231
Noncurrent loans to loans0.3526%4,438
Net loans and leases to total assets41.6785%5,523
Net loans and leases to deposits53.0669%5,312
Net loans and leases to core deposits56.3786%5,285
Total domestic deposits to total assets78.5395%5,178
Equity capital to assets15.4156%625
Core capital (leverage) ratio7.2926%6,139
Tier 1 risk-based capital ratio12.8096%4,617
Total risk-based capital ratio13.5306%4,851
Memoranda:
Average total assets$21,591,180,67068
Average earning assets$18,700,732,33069
Average equity$3,331,765,67051
Average total loans$9,174,841,33097
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7251%4,277
Cost of funding earning assets0.2204%5,315
Net interest margin3.5047%3,423
Noninterest income to average assets0.5199%3,150
Noninterest expense to average assets1.4090%6,228
Loan and lease loss provision to assets0.0232%3,408
Net operating income to assets1.4114%1,013
Return on assets (ROA)1.4114%1,068
Pretax return on assets2.1217%460
Return on Equity (ROE)9.1416%2,387
Retained earnings to average equity (ytd only)-10.3350%6,144
Net charge-offs to loans0.0456%2,346
Credit loss provision to net charge-offs119.0476%1,453
Earnings coverage of net charge-offs (x)110.0514%455
Efficiency ratio38.3470%6,300
Assets per employee ($millions)7.0092%849
Cash dividends to net income (ytd only)*213.0542%206
Condition Ratios (%)
Loss allowance to loans0.8833%5,486
Loan loss allowance to noncurrent loans251.2818%1,849
Noncurrent assets plus other real estate owned to assets0.1631%5,307
Noncurrent loans to loans0.3515%4,537
Net loans and leases to total assets42.0692%5,482
Net loans and leases to deposits51.6831%5,351
Net loans and leases to core deposits54.6595%5,334
Total domestic deposits to total assets81.3983%4,704
Equity capital to assets15.2066%681
Core capital (leverage) ratio6.8879%6,250
Tier 1 risk-based capital ratio12.2855%5,056
Total risk-based capital ratio13.0245%5,291
Memoranda:
Average total assets$21,549,800,50070
Average earning assets$18,655,635,50070
Average equity$3,327,069,00051
Average total loans$9,205,094,50095
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0973%3,339
Cost of funding earning assets0.2402%5,422
Net interest margin3.8572%2,406
Noninterest income to average assets0.5967%2,878
Noninterest expense to average assets1.5704%6,259
Loan and lease loss provision to assets0.0901%2,667
Net operating income to assets1.5074%863
Return on assets (ROA)1.5074%901
Pretax return on assets2.2559%287
Return on Equity (ROE)9.6957%2,254
Retained earnings to average equity (ytd only)6.4259%1,696
Net charge-offs to loans0.0552%3,730
Credit loss provision to net charge-offs381.1262%687
Earnings coverage of net charge-offs (x)99.2229%529
Efficiency ratio38.8468%6,415
Assets per employee ($millions)6.9458%876
Cash dividends to net income (ytd only)*33.7236%3,189
Condition Ratios (%)
Loss allowance to loans0.8737%5,551
Loan loss allowance to noncurrent loans240.2701%1,964
Noncurrent assets plus other real estate owned to assets0.1714%5,338
Noncurrent loans to loans0.3636%4,562
Net loans and leases to total assets42.6124%5,573
Net loans and leases to deposits51.6993%5,498
Net loans and leases to core deposits54.9929%5,442
Total domestic deposits to total assets82.4235%4,273
Equity capital to assets15.6723%582
Core capital (leverage) ratio7.4982%6,205
Tier 1 risk-based capital ratio13.4587%4,440
Total risk-based capital ratio14.2151%4,661
Memoranda:
Average total assets$20,280,820,40067
Average earning assets$17,454,072,60068
Average equity$3,153,174,60050
Average total loans$8,689,771,00095
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1013%3,367
Cost of funding earning assets0.2468%5,442
Net interest margin3.8545%2,417
Noninterest income to average assets0.5964%2,902
Noninterest expense to average assets1.5811%6,304
Loan and lease loss provision to assets0.0796%2,755
Net operating income to assets1.5032%938
Return on assets (ROA)1.5032%967
Pretax return on assets2.2509%333
Return on Equity (ROE)9.6891%2,354
Retained earnings to average equity (ytd only)6.5698%2,058
Net charge-offs to loans0.0249%4,009
Credit loss provision to net charge-offs748.1179%416
Earnings coverage of net charge-offs (x)219.0408%298
Efficiency ratio39.1792%6,471
Assets per employee ($millions)6.9062%838
Cash dividends to net income (ytd only)*32.1939%2,703
Condition Ratios (%)
Loss allowance to loans0.8284%5,802
Loan loss allowance to noncurrent loans174.1842%2,414
Noncurrent assets plus other real estate owned to assets0.2371%5,265
Noncurrent loans to loans0.4756%4,479
Net loans and leases to total assets44.0090%5,521
Net loans and leases to deposits54.5753%5,336
Net loans and leases to core deposits58.1748%5,319
Total domestic deposits to total assets80.6390%4,930
Equity capital to assets15.7268%600
Core capital (leverage) ratio7.2636%6,336
Tier 1 risk-based capital ratio12.9434%4,898
Total risk-based capital ratio13.6642%5,148
Memoranda:
Average total assets$19,974,995,75068
Average earning assets$17,180,207,25070
Average equity$3,098,919,75051
Average total loans$8,551,167,75097
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0500%3,540
Cost of funding earning assets0.2512%5,473
Net interest margin3.7988%2,579
Noninterest income to average assets0.6161%2,733
Noninterest expense to average assets1.5764%6,381
Loan and lease loss provision to assets0.0707%2,860
Net operating income to assets1.4948%878
Return on assets (ROA)1.4948%909
Pretax return on assets2.2327%339
Return on Equity (ROE)9.6831%2,288
Retained earnings to average equity (ytd only)6.0800%2,269
Net charge-offs to loans0.0227%3,751
Credit loss provision to net charge-offs735.9192%438
Earnings coverage of net charge-offs (x)239.8332%284
Efficiency ratio39.4012%6,532
Assets per employee ($millions)6.6378%951
Cash dividends to net income (ytd only)*37.2105%2,519
Condition Ratios (%)
Loss allowance to loans0.7871%6,008
Loan loss allowance to noncurrent loans312.8753%1,457
Noncurrent assets plus other real estate owned to assets0.1342%5,751
Noncurrent loans to loans0.2516%5,258
Net loans and leases to total assets43.4771%5,568
Net loans and leases to deposits53.4167%5,395
Net loans and leases to core deposits56.9850%5,347
Total domestic deposits to total assets81.3924%4,844
Equity capital to assets15.3486%635
Core capital (leverage) ratio6.8558%6,450
Tier 1 risk-based capital ratio12.2839%5,366
Total risk-based capital ratio12.9614%5,633
Memoranda:
Average total assets$19,595,918,00069
Average earning assets$16,835,163,67070
Average equity$3,025,131,67053
Average total loans$8,278,594,33099
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8247%4,386
Cost of funding earning assets0.2433%5,652
Net interest margin3.5814%3,332
Noninterest income to average assets0.5965%2,756
Noninterest expense to average assets1.4754%6,508
Loan and lease loss provision to assets0.0128%3,662
Net operating income to assets1.4584%884
Return on assets (ROA)1.4584%915
Pretax return on assets2.1876%360
Return on Equity (ROE)9.4161%2,286
Retained earnings to average equity (ytd only)8.4531%1,433
Net charge-offs to loans0.0405%2,817
Credit loss provision to net charge-offs76.3359%1,939
Earnings coverage of net charge-offs (x)131.3919%375
Efficiency ratio38.9522%6,609
Assets per employee ($millions)6.5472%997
Cash dividends to net income (ytd only)*10.2270%2,695
Condition Ratios (%)
Loss allowance to loans0.8655%5,959
Loan loss allowance to noncurrent loans597.3115%799
Noncurrent assets plus other real estate owned to assets0.0984%5,951
Noncurrent loans to loans0.1449%5,659
Net loans and leases to total assets40.6452%5,767
Net loans and leases to deposits49.6745%5,619
Net loans and leases to core deposits52.2870%5,600
Total domestic deposits to total assets81.8231%4,989
Equity capital to assets15.5391%594
Core capital (leverage) ratio7.1735%6,431
Tier 1 risk-based capital ratio13.6096%4,600
Total risk-based capital ratio14.3545%4,883
Memoranda:
Average total assets$18,773,466,00070
Average earning assets$16,141,659,00071
Average equity$2,907,614,00054
Average total loans$7,763,810,500101
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8595%4,613
Cost of funding earning assets0.2727%5,807
Net interest margin3.5868%3,515
Noninterest income to average assets0.5786%3,219
Noninterest expense to average assets1.4917%6,579
Loan and lease loss provision to assets0.1069%3,013
Net operating income to assets1.4019%1,020
Return on assets (ROA)1.4019%1,058
Pretax return on assets2.0899%394
Return on Equity (ROE)9.3338%2,400
Retained earnings to average equity (ytd only)0.9301%5,418
Net charge-offs to loans0.0412%4,644
Credit loss provision to net charge-offs683.5845%351
Earnings coverage of net charge-offs (x)140.4401%326
Efficiency ratio39.4084%6,699
Assets per employee ($millions)6.2233%1,124
Cash dividends to net income (ytd only)*90.0355%644
Condition Ratios (%)
Loss allowance to loans0.8653%6,020
Loan loss allowance to noncurrent loans443.2863%1,064
Noncurrent assets plus other real estate owned to assets0.1206%5,966
Noncurrent loans to loans0.1952%5,604
Net loans and leases to total assets41.3545%5,867
Net loans and leases to deposits50.3412%5,742
Net loans and leases to core deposits52.6378%5,750
Total domestic deposits to total assets82.1485%4,821
Equity capital to assets15.4359%601
Core capital (leverage) ratio7.2491%6,461
Tier 1 risk-based capital ratio12.9622%5,000
Total risk-based capital ratio13.7115%5,263
Memoranda:
Average total assets$16,123,096,20075
Average earning assets$13,979,314,80080
Average equity$2,421,657,40062
Average total loans$6,114,651,000117
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7952%4,870
Cost of funding earning assets0.2819%5,873
Net interest margin3.5133%3,822
Noninterest income to average assets0.5909%3,212
Noninterest expense to average assets1.4938%6,644
Loan and lease loss provision to assets0.0807%3,449
Net operating income to assets1.3928%1,120
Return on assets (ROA)1.3928%1,168
Pretax return on assets2.0733%500
Return on Equity (ROE)9.3513%2,462
Retained earnings to average equity (ytd only)3.7762%3,994
Net charge-offs to loans0.0474%4,229
Credit loss provision to net charge-offs462.7345%578
Earnings coverage of net charge-offs (x)123.5472%424
Efficiency ratio39.8779%6,756
Assets per employee ($millions)6.5159%929
Cash dividends to net income (ytd only)*59.6187%1,470
Condition Ratios (%)
Loss allowance to loans0.9691%5,847
Loan loss allowance to noncurrent loans1,144.0328%415
Noncurrent assets plus other real estate owned to assets0.0789%6,200
Noncurrent loans to loans0.0847%6,079
Net loans and leases to total assets38.1508%6,165
Net loans and leases to deposits49.1245%5,894
Net loans and leases to core deposits51.5241%5,918
Total domestic deposits to total assets77.6613%5,952
Equity capital to assets15.2829%665
Core capital (leverage) ratio7.2527%6,527
Tier 1 risk-based capital ratio14.5219%4,061
Total risk-based capital ratio15.3319%4,314
Memoranda:
Average total assets$15,494,199,00078
Average earning assets$13,480,823,00082
Average equity$2,307,809,25064
Average total loans$5,699,508,500119
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7128%5,108
Cost of funding earning assets0.2906%5,898
Net interest margin3.4222%4,103
Noninterest income to average assets0.6224%3,062
Noninterest expense to average assets1.4853%6,684
Loan and lease loss provision to assets0.0699%3,639
Net operating income to assets1.3779%1,123
Return on assets (ROA)1.3779%1,210
Pretax return on assets2.0470%549
Return on Equity (ROE)9.3358%2,476
Retained earnings to average equity (ytd only)1.8121%5,109
Net charge-offs to loans0.0628%3,806
Credit loss provision to net charge-offs307.8251%835
Earnings coverage of net charge-offs (x)93.2365%496
Efficiency ratio40.1098%6,797
Assets per employee ($millions)6.5160%894
Cash dividends to net income (ytd only)*80.5901%891
Condition Ratios (%)
Loss allowance to loans0.9101%6,105
Loan loss allowance to noncurrent loans968.8858%477
Noncurrent assets plus other real estate owned to assets0.0986%6,199
Noncurrent loans to loans0.0939%6,120
Net loans and leases to total assets37.6064%6,202
Net loans and leases to deposits48.8743%5,928
Net loans and leases to core deposits51.1230%5,953
Total domestic deposits to total assets76.9451%6,135
Equity capital to assets14.8090%752
Core capital (leverage) ratio6.9573%6,623
Tier 1 risk-based capital ratio13.9275%4,470
Total risk-based capital ratio14.6880%4,773
Memoranda:
Average total assets$15,309,388,67079
Average earning assets$13,330,276,67082
Average equity$2,259,513,33065
Average total loans$5,538,482,000122
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6608%5,283
Cost of funding earning assets0.2897%6,045
Net interest margin3.3711%4,230
Noninterest income to average assets0.6147%3,054
Noninterest expense to average assets1.4528%6,780
Loan and lease loss provision to assets0.0755%3,369
Net operating income to assets1.3636%1,118
Return on assets (ROA)1.3636%1,207
Pretax return on assets2.0198%573
Return on Equity (ROE)9.2566%2,375
Retained earnings to average equity (ytd only)6.8767%2,218
Net charge-offs to loans0.0241%3,698
Credit loss provision to net charge-offs888.8889%343
Earnings coverage of net charge-offs (x)246.6444%158
Efficiency ratio39.6117%6,879
Assets per employee ($millions)6.5396%970
Cash dividends to net income (ytd only)*25.7100%2,190
Condition Ratios (%)
Loss allowance to loans1.0460%5,808
Loan loss allowance to noncurrent loans673.7119%666
Noncurrent assets plus other real estate owned to assets0.1200%6,210
Noncurrent loans to loans0.1553%6,005
Net loans and leases to total assets34.5500%6,391
Net loans and leases to deposits44.4401%6,169
Net loans and leases to core deposits46.4624%6,187
Total domestic deposits to total assets77.7451%6,152
Equity capital to assets14.6900%830
Core capital (leverage) ratio6.9819%6,646
Tier 1 risk-based capital ratio14.5357%4,150
Total risk-based capital ratio15.3795%4,365
Memoranda:
Average total assets$14,832,078,00083
Average earning assets$12,906,218,00084
Average equity$2,184,997,50066
Average total loans$5,221,481,500129
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0663%5,077
Cost of funding earning assets0.3532%6,187
Net interest margin3.7131%3,591
Noninterest income to average assets0.6149%3,202
Noninterest expense to average assets1.6121%6,793
Loan and lease loss provision to assets0.0511%5,176
Net operating income to assets1.4418%1,020
Return on assets (ROA)1.4418%1,144
Pretax return on assets2.1627%445
Return on Equity (ROE)9.2912%2,490
Retained earnings to average equity (ytd only)-3.0319%6,268
Net charge-offs to loans0.1174%4,517
Credit loss provision to net charge-offs118.9084%2,416
Earnings coverage of net charge-offs (x)51.5505%668
Efficiency ratio40.5554%6,919
Assets per employee ($millions)6.4388%1,032
Cash dividends to net income (ytd only)*132.6324%268
Condition Ratios (%)
Loss allowance to loans1.0148%5,916
Loan loss allowance to noncurrent loans795.2194%548
Noncurrent assets plus other real estate owned to assets0.0949%6,353
Noncurrent loans to loans0.1276%6,163
Net loans and leases to total assets35.1421%6,487
Net loans and leases to deposits43.9722%6,371
Net loans and leases to core deposits45.9808%6,374
Total domestic deposits to total assets79.9187%5,691
Equity capital to assets14.7745%795
Core capital (leverage) ratio6.9863%6,708
Tier 1 risk-based capital ratio14.1880%4,252
Total risk-based capital ratio15.0099%4,513
Memoranda:
Average total assets$11,946,085,20099
Average earning assets$10,330,506,200101
Average equity$1,853,827,80075
Average total loans$4,370,028,400136
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1293%5,083
Cost of funding earning assets0.3789%6,237
Net interest margin3.7504%3,552
Noninterest income to average assets0.5884%3,355
Noninterest expense to average assets1.6137%6,865
Loan and lease loss provision to assets0.0301%5,406
Net operating income to assets1.4558%1,112
Return on assets (ROA)1.4558%1,233
Pretax return on assets2.1893%488
Return on Equity (ROE)9.2383%2,699
Retained earnings to average equity (ytd only)-7.1321%6,720
Net charge-offs to loans0.1029%4,365
Credit loss provision to net charge-offs79.2664%3,644
Earnings coverage of net charge-offs (x)58.3941%666
Efficiency ratio40.4663%7,005
Assets per employee ($millions)6.0674%1,214
Cash dividends to net income (ytd only)*177.2019%79
Condition Ratios (%)
Loss allowance to loans1.0027%6,067
Loan loss allowance to noncurrent loans946.5985%453
Noncurrent assets plus other real estate owned to assets0.1037%6,466
Noncurrent loans to loans0.1059%6,352
Net loans and leases to total assets36.6693%6,509
Net loans and leases to deposits45.8146%6,400
Net loans and leases to core deposits47.8905%6,423
Total domestic deposits to total assets80.0384%5,643
Equity capital to assets15.2527%762
Core capital (leverage) ratio6.6809%6,847
Tier 1 risk-based capital ratio13.9894%4,532
Total risk-based capital ratio14.8214%4,801
Memoranda:
Average total assets$11,285,001,250103
Average earning assets$9,763,628,750103
Average equity$1,778,368,00078
Average total loans$4,167,550,750143
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0717%5,413
Cost of funding earning assets0.3901%6,326
Net interest margin3.6816%3,915
Noninterest income to average assets0.5107%3,855
Noninterest expense to average assets1.4898%7,012
Loan and lease loss provision to assets0.0143%5,481
Net operating income to assets1.4491%1,087
Return on assets (ROA)1.4491%1,219
Pretax return on assets2.1930%487
Return on Equity (ROE)9.0684%2,788
Retained earnings to average equity (ytd only)7.0552%2,074
Net charge-offs to loans0.1016%4,143
Credit loss provision to net charge-offs38.2263%4,305
Earnings coverage of net charge-offs (x)58.9292%645
Efficiency ratio38.5980%7,087
Assets per employee ($millions)6.4400%993
Cash dividends to net income (ytd only)*22.1997%2,901
Condition Ratios (%)
Loss allowance to loans1.2754%5,013
Loan loss allowance to noncurrent loans3,100.4308%169
Noncurrent assets plus other real estate owned to assets0.1106%6,518
Noncurrent loans to loans0.0411%6,576
Net loans and leases to total assets36.3495%6,597
Net loans and leases to deposits46.4406%6,408
Net loans and leases to core deposits48.3068%6,440
Total domestic deposits to total assets78.2711%6,105
Equity capital to assets15.9479%591
Core capital (leverage) ratio7.5576%6,598
Tier 1 risk-based capital ratio16.1439%3,099
Total risk-based capital ratio17.2243%3,147
Memoranda:
Average total assets$10,475,922,670108
Average earning assets$9,066,985,330108
Average equity$1,673,996,33081
Average total loans$3,863,700,000152
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1001%5,457
Cost of funding earning assets0.4081%6,371
Net interest margin3.6920%3,869
Noninterest income to average assets0.5229%3,759
Noninterest expense to average assets1.4979%7,065
Loan and lease loss provision to assets0.0058%5,201
Net operating income to assets1.4603%1,100
Return on assets (ROA)1.4603%1,229
Pretax return on assets2.2098%525
Return on Equity (ROE)9.1293%2,771
Retained earnings to average equity (ytd only)6.9547%2,459
Net charge-offs to loans0.0107%4,570
Credit loss provision to net charge-offs147.0588%1,695
Earnings coverage of net charge-offs (x)562.0000%43
Efficiency ratio38.5737%7,136
Assets per employee ($millions)6.4394%1,014
Cash dividends to net income (ytd only)*23.8202%2,244
Condition Ratios (%)
Loss allowance to loans1.3328%4,870
Loan loss allowance to noncurrent loans723.1900%504
Noncurrent assets plus other real estate owned to assets0.1365%6,549
Noncurrent loans to loans0.1843%6,316
Net loans and leases to total assets35.1317%6,681
Net loans and leases to deposits44.7157%6,517
Net loans and leases to core deposits46.6666%6,528
Total domestic deposits to total assets78.5670%6,172
Equity capital to assets15.3988%680
Core capital (leverage) ratio7.5334%6,613
Tier 1 risk-based capital ratio15.4114%3,496
Total risk-based capital ratio16.5189%3,538
Memoranda:
Average total assets$10,349,371,500108
Average earning assets$8,943,891,000108
Average equity$1,655,467,00080
Average total loans$3,820,384,000151
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5089%5,042
Cost of funding earning assets0.5137%6,476
Net interest margin3.9951%2,907
Noninterest income to average assets0.5704%3,362
Noninterest expense to average assets1.6419%7,087
Loan and lease loss provision to assets0.0539%5,918
Net operating income to assets1.5203%789
Return on assets (ROA)1.5163%863
Pretax return on assets2.2876%310
Return on Equity (ROE)9.2612%2,338
Retained earnings to average equity (ytd only)6.9938%1,508
Net charge-offs to loans0.1424%5,006
Credit loss provision to net charge-offs100.1927%3,492
Earnings coverage of net charge-offs (x)43.6179%627
Efficiency ratio39.1342%7,224
Assets per employee ($millions)5.8992%1,304
Cash dividends to net income (ytd only)*24.4827%3,345
Condition Ratios (%)
Loss allowance to loans1.3700%4,596
Loan loss allowance to noncurrent loans1,442.3819%304
Noncurrent assets plus other real estate owned to assets0.1213%6,652
Noncurrent loans to loans0.0950%6,573
Net loans and leases to total assets37.8385%6,656
Net loans and leases to deposits46.0559%6,626
Net loans and leases to core deposits48.3895%6,618
Total domestic deposits to total assets82.1578%5,076
Equity capital to assets16.6577%497
Core capital (leverage) ratio7.7481%6,496
Tier 1 risk-based capital ratio15.6230%3,253
Total risk-based capital ratio16.8081%3,245
Memoranda:
Average total assets$9,643,315,800110
Average earning assets$8,252,631,400116
Average equity$1,578,907,20085
Average total loans$3,645,345,400155
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5840%4,925
Cost of funding earning assets0.5428%6,537
Net interest margin4.0412%2,727
Noninterest income to average assets0.5756%3,331
Noninterest expense to average assets1.6878%7,104
Loan and lease loss provision to assets0.0562%5,738
Net operating income to assets1.5149%903
Return on assets (ROA)1.5096%998
Pretax return on assets2.2813%369
Return on Equity (ROE)9.2609%2,477
Retained earnings to average equity (ytd only)7.0456%1,946
Net charge-offs to loans0.1151%4,867
Credit loss provision to net charge-offs129.7661%2,448
Earnings coverage of net charge-offs (x)54.1137%603
Efficiency ratio39.8135%7,264
Assets per employee ($millions)5.6971%1,425
Cash dividends to net income (ytd only)*23.9208%2,769
Condition Ratios (%)
Loss allowance to loans1.4050%4,540
Loan loss allowance to noncurrent loans1,024.8439%355
Noncurrent assets plus other real estate owned to assets0.1395%6,692
Noncurrent loans to loans0.1371%6,596
Net loans and leases to total assets38.5483%6,741
Net loans and leases to deposits47.2352%6,671
Net loans and leases to core deposits50.0510%6,668
Total domestic deposits to total assets81.6092%5,219
Equity capital to assets16.8387%501
Core capital (leverage) ratio7.5642%6,728
Tier 1 risk-based capital ratio15.1945%3,550
Total risk-based capital ratio16.4210%3,534
Memoranda:
Average total assets$9,600,088,500109
Average earning assets$8,214,240,750115
Average equity$1,564,844,00085
Average total loans$3,615,205,250155
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6015%4,952
Cost of funding earning assets0.5691%6,591
Net interest margin4.0324%2,690
Noninterest income to average assets0.5673%3,354
Noninterest expense to average assets1.7002%7,178
Loan and lease loss provision to assets0.0645%5,498
Net operating income to assets1.4904%908
Return on assets (ROA)1.4825%980
Pretax return on assets2.2390%385
Return on Equity (ROE)9.1953%2,436
Retained earnings to average equity (ytd only)6.8209%1,960
Net charge-offs to loans0.1540%4,257
Credit loss provision to net charge-offs112.6453%2,724
Earnings coverage of net charge-offs (x)40.4444%738
Efficiency ratio40.2775%7,336
Assets per employee ($millions)5.7617%1,334
Cash dividends to net income (ytd only)*25.8217%2,639
Condition Ratios (%)
Loss allowance to loans1.4169%4,489
Loan loss allowance to noncurrent loans1,358.0544%290
Noncurrent assets plus other real estate owned to assets0.1312%6,760
Noncurrent loans to loans0.1043%6,713
Net loans and leases to total assets37.4404%6,890
Net loans and leases to deposits47.1007%6,772
Net loans and leases to core deposits50.0371%6,754
Total domestic deposits to total assets79.4902%5,953
Equity capital to assets16.3664%564
Core capital (leverage) ratio7.0932%6,957
Tier 1 risk-based capital ratio14.4325%3,838
Total risk-based capital ratio15.6438%3,842
Memoranda:
Average total assets$9,613,536,330111
Average earning assets$8,221,357,670115
Average equity$1,549,880,33087
Average total loans$3,574,397,000161
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5628%5,112
Cost of funding earning assets0.5830%6,680
Net interest margin3.9798%2,772
Noninterest income to average assets0.5635%3,414
Noninterest expense to average assets1.6914%7,237
Loan and lease loss provision to assets0.0709%5,116
Net operating income to assets1.4639%950
Return on assets (ROA)1.4639%989
Pretax return on assets2.2001%404
Return on Equity (ROE)9.1500%2,405
Retained earnings to average equity (ytd only)5.1112%3,112
Net charge-offs to loans0.1727%3,453
Credit loss provision to net charge-offs111.5486%2,401
Earnings coverage of net charge-offs (x)35.7441%734
Efficiency ratio40.5461%7,378
Assets per employee ($millions)5.8117%1,332
Cash dividends to net income (ytd only)*44.1407%1,642
Condition Ratios (%)
Loss allowance to loans1.4487%4,442
Loan loss allowance to noncurrent loans2,198.8105%197
Noncurrent assets plus other real estate owned to assets0.1319%6,835
Noncurrent loans to loans0.0659%6,878
Net loans and leases to total assets36.2362%6,990
Net loans and leases to deposits44.9989%6,914
Net loans and leases to core deposits47.4622%6,902
Total domestic deposits to total assets80.5268%5,809
Equity capital to assets15.8953%593
Core capital (leverage) ratio6.7892%7,082
Tier 1 risk-based capital ratio13.6231%4,338
Total risk-based capital ratio14.8314%4,337
Memoranda:
Average total assets$9,594,883,000112
Average earning assets$8,194,329,000116
Average equity$1,535,075,00087
Average total loans$3,528,971,500163
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8797%5,115
Cost of funding earning assets0.8199%6,484
Net interest margin4.0598%2,753
Noninterest income to average assets0.5840%3,568
Noninterest expense to average assets1.7503%7,304
Loan and lease loss provision to assets0.1465%5,722
Net operating income to assets1.4236%896
Return on assets (ROA)1.4236%965
Pretax return on assets2.1384%366
Return on Equity (ROE)8.9392%2,322
Retained earnings to average equity (ytd only)7.0839%1,285
Net charge-offs to loans0.4066%4,012
Credit loss provision to net charge-offs97.9876%4,723
Earnings coverage of net charge-offs (x)15.2834%1,288
Efficiency ratio40.9668%7,490
Assets per employee ($millions)5.5460%1,535
Cash dividends to net income (ytd only)*20.7549%3,419
Condition Ratios (%)
Loss allowance to loans1.4802%4,121
Loan loss allowance to noncurrent loans1,114.6067%343
Noncurrent assets plus other real estate owned to assets0.1655%6,815
Noncurrent loans to loans0.1328%6,806
Net loans and leases to total assets36.2463%7,149
Net loans and leases to deposits46.0149%7,043
Net loans and leases to core deposits48.1912%7,060
Total domestic deposits to total assets78.7709%6,143
Equity capital to assets16.1052%568
Core capital (leverage) ratio6.7233%7,136
Tier 1 risk-based capital ratio13.3694%4,315
Total risk-based capital ratio14.5960%4,295
Memoranda:
Average total assets$9,273,407,600117
Average earning assets$7,883,309,800123
Average equity$1,476,825,00085
Average total loans$3,409,793,600162
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9692%4,954
Cost of funding earning assets0.8858%6,453
Net interest margin4.0834%2,694
Noninterest income to average assets0.5812%3,573
Noninterest expense to average assets1.7678%7,366
Loan and lease loss provision to assets0.1545%5,495
Net operating income to assets1.4184%1,076
Return on assets (ROA)1.4184%1,148
Pretax return on assets2.1301%474
Return on Equity (ROE)8.9323%2,511
Retained earnings to average equity (ytd only)7.2573%1,721
Net charge-offs to loans0.4401%3,538
Credit loss provision to net charge-offs95.4529%4,547
Earnings coverage of net charge-offs (x)14.1188%1,537
Efficiency ratio41.1819%7,548
Assets per employee ($millions)5.3711%1,748
Cash dividends to net income (ytd only)*18.7522%3,020
Condition Ratios (%)
Loss allowance to loans1.5043%3,935
Loan loss allowance to noncurrent loans551.8375%561
Noncurrent assets plus other real estate owned to assets0.2225%6,804
Noncurrent loans to loans0.2726%6,643
Net loans and leases to total assets36.4181%7,248
Net loans and leases to deposits44.8592%7,209
Net loans and leases to core deposits46.9814%7,232
Total domestic deposits to total assets81.1831%5,310
Equity capital to assets16.2877%619
Core capital (leverage) ratio6.3227%7,379
Tier 1 risk-based capital ratio12.9718%4,599
Total risk-based capital ratio14.2158%4,584
Memoranda:
Average total assets$9,223,629,250116
Average earning assets$7,840,790,250121
Average equity$1,464,639,75084
Average total loans$3,390,986,250167
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9982%4,948
Cost of funding earning assets0.9301%6,465
Net interest margin4.0681%2,708
Noninterest income to average assets0.5711%3,535
Noninterest expense to average assets1.7506%7,457
Loan and lease loss provision to assets0.1667%5,217
Net operating income to assets1.4073%1,081
Return on assets (ROA)1.4073%1,140
Pretax return on assets2.1129%479
Return on Equity (ROE)8.9394%2,496
Retained earnings to average equity (ytd only)7.3549%1,690
Net charge-offs to loans0.4032%3,369
Credit loss provision to net charge-offs112.6668%3,609
Earnings coverage of net charge-offs (x)15.4077%1,459
Efficiency ratio40.9776%7,626
Assets per employee ($millions)5.4777%1,636
Cash dividends to net income (ytd only)*17.7248%2,960
Condition Ratios (%)
Loss allowance to loans1.5395%3,715
Loan loss allowance to noncurrent loans581.7189%557
Noncurrent assets plus other real estate owned to assets0.2248%6,836
Noncurrent loans to loans0.2646%6,702
Net loans and leases to total assets35.1196%7,382
Net loans and leases to deposits43.1351%7,348
Net loans and leases to core deposits45.3050%7,376
Total domestic deposits to total assets81.4178%5,234
Equity capital to assets15.3946%799
Core capital (leverage) ratio5.9744%7,483
Tier 1 risk-based capital ratio12.0563%5,262
Total risk-based capital ratio13.3049%5,231
Memoranda:
Average total assets$9,220,522,670117
Average earning assets$7,840,246,000121
Average equity$1,451,575,67083
Average total loans$3,383,375,330164
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0431%4,819
Cost of funding earning assets0.9519%6,573
Net interest margin4.0912%2,477
Noninterest income to average assets0.5771%3,438
Noninterest expense to average assets1.7145%7,562
Loan and lease loss provision to assets0.1954%4,550
Net operating income to assets1.4209%1,034
Return on assets (ROA)1.4209%1,105
Pretax return on assets2.1370%469
Return on Equity (ROE)8.9206%2,526
Retained earnings to average equity (ytd only)7.8916%1,753
Net charge-offs to loans0.5210%2,502
Credit loss provision to net charge-offs100.6849%3,366
Earnings coverage of net charge-offs (x)12.0205%1,598
Efficiency ratio39.8603%7,737
Assets per employee ($millions)5.7914%1,411
Cash dividends to net income (ytd only)*11.5355%2,387
Condition Ratios (%)
Loss allowance to loans1.5498%3,664
Loan loss allowance to noncurrent loans780.6981%413
Noncurrent assets plus other real estate owned to assets0.2131%6,928
Noncurrent loans to loans0.1985%6,945
Net loans and leases to total assets35.7765%7,431
Net loans and leases to deposits43.3526%7,423
Net loans and leases to core deposits45.7130%7,440
Total domestic deposits to total assets82.5245%4,838
Equity capital to assets15.7696%710
Core capital (leverage) ratio6.4930%7,470
Tier 1 risk-based capital ratio12.5871%4,651
Total risk-based capital ratio13.8373%4,620
Memoranda:
Average total assets$9,029,602,500120
Average earning assets$7,658,035,500120
Average equity$1,438,241,00081
Average total loans$3,362,543,000167
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4209%4,584
Cost of funding earning assets1.3863%5,988
Net interest margin4.0346%2,721
Noninterest income to average assets0.7285%2,795
Noninterest expense to average assets1.8735%7,535
Loan and lease loss provision to assets0.3234%4,874
Net operating income to assets1.2989%1,039
Return on assets (ROA)1.2989%1,084
Pretax return on assets1.9579%442
Return on Equity (ROE)8.4237%2,228
Retained earnings to average equity (ytd only)6.6382%1,101
Net charge-offs to loans0.4012%4,220
Credit loss provision to net charge-offs207.2828%1,852
Earnings coverage of net charge-offs (x)14.6230%1,360
Efficiency ratio42.3682%7,812
Assets per employee ($millions)5.5490%1,603
Cash dividends to net income (ytd only)*21.1967%3,624
Condition Ratios (%)
Loss allowance to loans1.5359%3,546
Loan loss allowance to noncurrent loans616.6092%554
Noncurrent assets plus other real estate owned to assets0.1836%7,010
Noncurrent loans to loans0.2491%6,799
Net loans and leases to total assets37.5897%7,461
Net loans and leases to deposits45.7822%7,453
Net loans and leases to core deposits55.0458%7,438
Total domestic deposits to total assets82.1054%4,902
Equity capital to assets16.0931%687
Core capital (leverage) ratio6.3072%7,550
Tier 1 risk-based capital ratio12.2999%4,682
Total risk-based capital ratio13.5503%4,645
Memoranda:
Average total assets$8,898,499,200118
Average earning assets$7,556,781,600120
Average equity$1,372,126,80086
Average total loans$3,460,518,800167
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4528%4,675
Cost of funding earning assets1.4904%5,860
Net interest margin3.9624%2,985
Noninterest income to average assets0.7361%2,788
Noninterest expense to average assets1.9091%7,534
Loan and lease loss provision to assets0.3033%4,546
Net operating income to assets1.2571%1,326
Return on assets (ROA)1.2571%1,387
Pretax return on assets1.8944%665
Return on Equity (ROE)8.2417%2,538
Retained earnings to average equity (ytd only)5.8386%2,022
Net charge-offs to loans0.3804%3,750
Credit loss provision to net charge-offs204.1176%2,181
Earnings coverage of net charge-offs (x)14.7890%1,575
Efficiency ratio43.7047%7,846
Assets per employee ($millions)5.5659%1,554
Cash dividends to net income (ytd only)*29.1583%2,907
Condition Ratios (%)
Loss allowance to loans1.3890%4,006
Loan loss allowance to noncurrent loans536.5998%599
Noncurrent assets plus other real estate owned to assets0.2408%6,917
Noncurrent loans to loans0.2589%6,864
Net loans and leases to total assets37.5288%7,569
Net loans and leases to deposits47.1205%7,538
Net loans and leases to core deposits57.4655%7,490
Total domestic deposits to total assets79.6443%5,578
Equity capital to assets15.5579%878
Core capital (leverage) ratio5.8481%7,827
Tier 1 risk-based capital ratio11.3804%5,555
Total risk-based capital ratio12.5402%5,589
Memoranda:
Average total assets$8,911,852,000122
Average earning assets$7,581,171,000125
Average equity$1,359,295,75089
Average total loans$3,481,472,750176
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5122%4,557
Cost of funding earning assets1.4929%6,169
Net interest margin4.0193%2,621
Noninterest income to average assets0.6600%3,266
Noninterest expense to average assets1.9560%7,544
Loan and lease loss provision to assets0.2927%4,224
Net operating income to assets1.2110%1,445
Return on assets (ROA)1.2110%1,528
Pretax return on assets1.8253%809
Return on Equity (ROE)7.9930%2,771
Retained earnings to average equity (ytd only)6.5096%1,793
Net charge-offs to loans0.4212%3,115
Credit loss provision to net charge-offs176.3949%2,596
Earnings coverage of net charge-offs (x)12.7633%1,788
Efficiency ratio45.1674%7,882
Assets per employee ($millions)5.4063%1,662
Cash dividends to net income (ytd only)*18.5587%3,198
Condition Ratios (%)
Loss allowance to loans1.2346%4,712
Loan loss allowance to noncurrent loans525.0893%633
Noncurrent assets plus other real estate owned to assets0.2175%6,961
Noncurrent loans to loans0.2351%6,926
Net loans and leases to total assets38.5866%7,617
Net loans and leases to deposits46.9422%7,602
Net loans and leases to core deposits57.7369%7,527
Total domestic deposits to total assets82.2002%4,604
Equity capital to assets15.5372%922
Core capital (leverage) ratio5.6632%7,967
Tier 1 risk-based capital ratio10.9742%5,898
Total risk-based capital ratio12.0179%6,053
Memoranda:
Average total assets$8,899,137,000126
Average earning assets$7,559,041,000128
Average equity$1,348,250,33095
Average total loans$3,506,584,670181
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5700%4,525
Cost of funding earning assets1.5977%6,038
Net interest margin3.9723%2,764
Noninterest income to average assets0.6555%3,170
Noninterest expense to average assets1.9417%7,461
Loan and lease loss provision to assets0.2743%3,772
Net operating income to assets1.1857%1,695
Return on assets (ROA)1.1857%1,804
Pretax return on assets1.8108%959
Return on Equity (ROE)7.9263%3,179
Retained earnings to average equity (ytd only)4.9326%3,170
Net charge-offs to loans0.4365%2,363
Credit loss provision to net charge-offs158.8022%2,663
Earnings coverage of net charge-offs (x)12.0716%1,828
Efficiency ratio45.2562%7,880
Assets per employee ($millions)5.2217%1,830
Cash dividends to net income (ytd only)*37.7701%2,124
Condition Ratios (%)
Loss allowance to loans1.1207%5,322
Loan loss allowance to noncurrent loans1,179.0264%357
Noncurrent assets plus other real estate owned to assets0.1417%7,153
Noncurrent loans to loans0.0951%7,253
Net loans and leases to total assets39.3718%7,600
Net loans and leases to deposits47.9221%7,579
Net loans and leases to core deposits59.0036%7,494
Total domestic deposits to total assets82.1579%4,488
Equity capital to assets15.3202%1,007
Core capital (leverage) ratio5.2528%8,103
Tier 1 risk-based capital ratio10.0953%6,813
Total risk-based capital ratio11.0418%7,053
Memoranda:
Average total assets$8,931,744,000127
Average earning assets$7,580,411,000129
Average equity$1,336,103,50096
Average total loans$3,534,217,500183
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9716%5,691
Cost of funding earning assets1.9427%6,606
Net interest margin4.0290%2,985
Noninterest income to average assets0.7135%3,034
Noninterest expense to average assets1.7896%7,766
Loan and lease loss provision to assets0.1391%5,577
Net operating income to assets1.4035%1,218
Return on assets (ROA)1.2710%1,513
Pretax return on assets1.9010%763
Return on Equity (ROE)7.1622%3,446
Retained earnings to average equity (ytd only)2.1568%3,884
Net charge-offs to loans0.2319%3,921
Credit loss provision to net charge-offs129.4712%4,113
Earnings coverage of net charge-offs (x)20.8272%1,557
Efficiency ratio41.0050%8,107
Assets per employee ($millions)6.7187%801
Cash dividends to net income (ytd only)*69.8859%2,183
Condition Ratios (%)
Loss allowance to loans1.0364%5,739
Loan loss allowance to noncurrent loans433.9202%972
Noncurrent assets plus other real estate owned to assets0.1430%7,005
Noncurrent loans to loans0.2388%6,668
Net loans and leases to total assets38.9204%7,717
Net loans and leases to deposits48.1187%7,703
Net loans and leases to core deposits59.5578%7,601
Total domestic deposits to total assets80.8841%4,690
Equity capital to assets14.6089%1,274
Core capital (leverage) ratio5.4762%8,165
Tier 1 risk-based capital ratio9.5693%7,233
Total risk-based capital ratio10.4399%7,583
Memoranda:
Average total assets$7,092,548,800144
Average earning assets$5,834,048,800151
Average equity$1,258,654,40095
Average total loans$3,286,735,600190