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Regions Bank, Performance and Condition Ratios

2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9008%3,534
Cost of funding earning assets0.0579%4,538
Net interest margin2.8429%3,005
Noninterest income to average assets1.4408%371
Noninterest expense to average assets2.1907%2,865
Loan and lease loss provision to assets-0.0885%4,578
Net operating income to assets1.4621%688
Return on assets (ROA)1.4310%740
Pretax return on assets1.8342%509
Return on Equity (ROE)13.5039%936
Retained earnings to average equity (ytd only)13.5039%420
Net charge-offs to loans0.2058%299
Credit loss provision to net charge-offs-36.9565%2,800
Earnings coverage of net charge-offs (x)15.7826%1,343
Efficiency ratio54.2981%4,033
Assets per employee ($millions)8.3115%1,208
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.5731%1,339
Loan loss allowance to noncurrent loans280.9524%2,193
Noncurrent assets plus other real estate owned to assets0.3162%1,858
Noncurrent loans to loans0.5599%1,641
Net loans and leases to total assets54.2944%2,719
Net loans and leases to deposits62.2297%2,697
Net loans and leases to core deposits63.1807%2,871
Total domestic deposits to total assets87.2484%2,833
Equity capital to assets10.2826%1,699
Core capital (leverage) ratio8.2823%4,089
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5441%2,760
Memoranda:
Average total assets$162,686,000,00026
Average earning assets$145,061,500,00026
Average equity$17,239,500,00020
Average total loans$89,393,500,00022
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9676%3,928
Cost of funding earning assets0.0720%4,577
Net interest margin2.8956%3,450
Noninterest income to average assets1.5319%481
Noninterest expense to average assets2.3001%2,794
Loan and lease loss provision to assets-0.3397%4,789
Net operating income to assets1.6885%647
Return on assets (ROA)1.6998%655
Pretax return on assets2.1659%444
Return on Equity (ROE)14.4517%1,072
Retained earnings to average equity (ytd only)2.0504%3,967
Net charge-offs to loans0.2363%394
Credit loss provision to net charge-offs-241.6667%3,563
Earnings coverage of net charge-offs (x)13.7010%2,066
Efficiency ratio55.4154%3,771
Assets per employee ($millions)8.3010%1,173
Cash dividends to net income (ytd only)*85.8124%394
Condition Ratios (%)
Loss allowance to loans1.6660%1,122
Loan loss allowance to noncurrent loans226.4931%2,422
Noncurrent assets plus other real estate owned to assets0.4106%1,593
Noncurrent loans to loans0.7356%1,379
Net loans and leases to total assets53.8217%2,873
Net loans and leases to deposits61.8548%2,894
Net loans and leases to core deposits62.9366%3,083
Total domestic deposits to total assets87.0130%2,514
Equity capital to assets10.9129%1,847
Core capital (leverage) ratio8.0909%4,300
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3791%2,803
Memoranda:
Average total assets$154,253,200,00024
Average earning assets$137,449,000,00025
Average equity$18,143,200,00018
Average total loans$86,324,000,00022
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9712%4,056
Cost of funding earning assets0.0757%4,655
Net interest margin2.8955%3,563
Noninterest income to average assets1.5647%509
Noninterest expense to average assets2.2880%2,782
Loan and lease loss provision to assets-0.5551%4,889
Net operating income to assets1.8767%583
Return on assets (ROA)1.8940%586
Pretax return on assets2.4316%373
Return on Equity (ROE)15.7989%989
Retained earnings to average equity (ytd only)3.7470%3,663
Net charge-offs to loans0.2489%330
Credit loss provision to net charge-offs-361.8750%3,556
Earnings coverage of net charge-offs (x)13.2375%1,934
Efficiency ratio54.8087%3,692
Assets per employee ($millions)8.2179%1,168
Cash dividends to net income (ytd only)*76.2829%452
Condition Ratios (%)
Loss allowance to loans1.6961%1,117
Loan loss allowance to noncurrent loans203.7090%2,508
Noncurrent assets plus other real estate owned to assets0.4635%1,641
Noncurrent loans to loans0.8326%1,375
Net loans and leases to total assets53.2802%3,051
Net loans and leases to deposits61.8685%3,054
Net loans and leases to core deposits62.1276%3,307
Total domestic deposits to total assets86.1185%2,702
Equity capital to assets11.6413%1,582
Core capital (leverage) ratio8.8528%3,709
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7205%2,464
Memoranda:
Average total assets$152,268,250,00023
Average earning assets$135,564,000,00024
Average equity$18,254,000,00019
Average total loans$85,711,500,00022
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9993%4,049
Cost of funding earning assets0.0803%4,698
Net interest margin2.9190%3,536
Noninterest income to average assets1.5723%501
Noninterest expense to average assets2.3009%2,773
Loan and lease loss provision to assets-0.6334%4,930
Net operating income to assets1.9436%542
Return on assets (ROA)1.9624%544
Pretax return on assets2.5244%345
Return on Equity (ROE)16.2091%913
Retained earnings to average equity (ytd only)9.1094%1,679
Net charge-offs to loans0.3016%286
Credit loss provision to net charge-offs-338.4615%3,356
Earnings coverage of net charge-offs (x)10.8615%1,784
Efficiency ratio54.7589%3,706
Assets per employee ($millions)8.2578%1,099
Cash dividends to net income (ytd only)*43.8005%1,435
Condition Ratios (%)
Loss allowance to loans1.8733%774
Loan loss allowance to noncurrent loans169.3531%2,695
Noncurrent assets plus other real estate owned to assets0.6236%1,329
Noncurrent loans to loans1.1061%1,093
Net loans and leases to total assets54.0628%3,125
Net loans and leases to deposits63.0129%3,105
Net loans and leases to core deposits63.3037%3,353
Total domestic deposits to total assets85.7964%2,803
Equity capital to assets11.9714%1,376
Core capital (leverage) ratio9.1378%3,302
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1946%2,296
Memoranda:
Average total assets$151,243,333,33323
Average earning assets$134,498,666,66723
Average equity$18,310,666,66718
Average total loans$86,217,000,00022
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0489%3,989
Cost of funding earning assets0.0844%4,729
Net interest margin2.9645%3,347
Noninterest income to average assets1.6161%536
Noninterest expense to average assets2.3412%2,673
Loan and lease loss provision to assets-0.3799%4,891
Net operating income to assets1.7859%809
Return on assets (ROA)1.8007%840
Pretax return on assets2.3064%582
Return on Equity (ROE)14.7880%1,258
Retained earnings to average equity (ytd only)9.2947%1,862
Net charge-offs to loans0.3829%217
Credit loss provision to net charge-offs-130.1205%2,869
Earnings coverage of net charge-offs (x)8.5904%1,569
Efficiency ratio54.6599%3,715
Assets per employee ($millions)8.0882%1,161
Cash dividends to net income (ytd only)*37.1471%1,481
Condition Ratios (%)
Loss allowance to loans2.2914%370
Loan loss allowance to noncurrent loans208.0000%2,310
Noncurrent assets plus other real estate owned to assets0.6412%1,479
Noncurrent loans to loans1.1016%1,211
Net loans and leases to total assets55.2456%3,124
Net loans and leases to deposits64.2966%3,098
Net loans and leases to core deposits64.6131%3,359
Total domestic deposits to total assets85.9231%2,763
Equity capital to assets11.8372%1,371
Core capital (leverage) ratio9.4421%3,094
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3051%2,160
Memoranda:
Average total assets$149,497,500,00022
Average earning assets$132,771,000,00023
Average equity$18,204,000,00018
Average total loans$86,700,000,00020
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4938%4,040
Cost of funding earning assets0.2259%4,483
Net interest margin3.2679%3,163
Noninterest income to average assets1.5980%485
Noninterest expense to average assets2.4923%2,873
Loan and lease loss provision to assets0.9600%107
Net operating income to assets0.8457%2,918
Return on assets (ROA)0.8553%3,019
Pretax return on assets1.0285%2,945
Return on Equity (ROE)6.6988%3,326
Retained earnings to average equity (ytd only)5.1159%2,229
Net charge-offs to loans0.5809%259
Credit loss provision to net charge-offs256.2500%1,907
Earnings coverage of net charge-offs (x)5.3496%2,873
Efficiency ratio55.2972%4,064
Assets per employee ($millions)7.5765%1,233
Cash dividends to net income (ytd only)*23.6287%3,101
Condition Ratios (%)
Loss allowance to loans2.4861%269
Loan loss allowance to noncurrent loans222.9424%2,161
Noncurrent assets plus other real estate owned to assets0.6854%1,521
Noncurrent loans to loans1.1151%1,274
Net loans and leases to total assets58.0279%3,085
Net loans and leases to deposits68.4196%3,039
Net loans and leases to core deposits68.8112%3,346
Total domestic deposits to total assets84.8118%2,832
Equity capital to assets12.5304%1,306
Core capital (leverage) ratio9.3010%3,321
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8860%2,284
Memoranda:
Average total assets$138,548,000,00022
Average earning assets$121,728,200,00024
Average equity$17,689,800,00017
Average total loans$88,134,000,00021
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5579%4,114
Cost of funding earning assets0.2685%4,438
Net interest margin3.2895%3,226
Noninterest income to average assets1.5806%476
Noninterest expense to average assets2.4945%2,873
Loan and lease loss provision to assets1.3356%74
Net operating income to assets0.5228%3,974
Return on assets (ROA)0.5292%4,052
Pretax return on assets0.6414%4,026
Return on Equity (ROE)4.1238%4,129
Retained earnings to average equity (ytd only)4.1238%2,983
Net charge-offs to loans0.6306%226
Credit loss provision to net charge-offs317.4641%1,710
Earnings coverage of net charge-offs (x)4.8254%2,785
Efficiency ratio55.4024%3,991
Assets per employee ($millions)7.3366%1,308
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans2.5417%215
Loan loss allowance to noncurrent loans233.1967%1,961
Noncurrent assets plus other real estate owned to assets0.7053%1,655
Noncurrent loans to loans1.0900%1,382
Net loans and leases to total assets60.4051%3,180
Net loans and leases to deposits71.9620%3,135
Net loans and leases to core deposits72.4705%3,436
Total domestic deposits to total assets83.9403%2,836
Equity capital to assets12.6259%1,368
Core capital (leverage) ratio9.2001%3,551
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4052%2,458
Memoranda:
Average total assets$136,566,000,00022
Average earning assets$119,691,500,00024
Average equity$17,523,750,00017
Average total loans$88,376,500,00021
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6455%4,182
Cost of funding earning assets0.3311%4,358
Net interest margin3.3144%3,347
Noninterest income to average assets1.5501%425
Noninterest expense to average assets2.5207%2,906
Loan and lease loss provision to assets1.8741%60
Net operating income to assets0.0336%4,745
Return on assets (ROA)0.0254%4,778
Pretax return on assets0.0448%4,761
Return on Equity (ROE)0.1967%4,781
Retained earnings to average equity (ytd only)0.1967%4,275
Net charge-offs to loans0.6933%226
Credit loss provision to net charge-offs398.0328%1,413
Earnings coverage of net charge-offs (x)4.2361%2,612
Efficiency ratio56.1745%3,922
Assets per employee ($millions)7.1736%1,346
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans2.4820%230
Loan loss allowance to noncurrent loans271.2753%1,691
Noncurrent assets plus other real estate owned to assets0.6281%1,937
Noncurrent loans to loans0.9149%1,685
Net loans and leases to total assets62.3411%3,087
Net loans and leases to deposits74.6313%3,017
Net loans and leases to core deposits75.2613%3,350
Total domestic deposits to total assets83.5321%2,910
Equity capital to assets12.3931%1,430
Core capital (leverage) ratio8.9956%3,911
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7670%2,704
Memoranda:
Average total assets$133,930,333,33323
Average earning assets$117,185,333,33324
Average equity$17,284,666,66717
Average total loans$87,987,000,00022
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8223%4,186
Cost of funding earning assets0.4476%4,163
Net interest margin3.3747%3,381
Noninterest income to average assets1.5731%362
Noninterest expense to average assets2.5082%3,251
Loan and lease loss provision to assets1.1550%168
Net operating income to assets0.6743%3,350
Return on assets (ROA)0.6131%3,621
Pretax return on assets0.7741%3,480
Return on Equity (ROE)4.6483%3,765
Retained earnings to average equity (ytd only)4.6483%2,437
Net charge-offs to loans0.5712%258
Credit loss provision to net charge-offs305.6911%1,164
Earnings coverage of net charge-offs (x)5.2683%2,075
Efficiency ratio55.1440%4,290
Assets per employee ($millions)6.7453%1,211
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.7595%767
Loan loss allowance to noncurrent loans183.3137%2,204
Noncurrent assets plus other real estate owned to assets0.6978%1,920
Noncurrent loans to loans0.9598%1,708
Net loans and leases to total assets65.6341%2,856
Net loans and leases to deposits85.5979%2,049
Net loans and leases to core deposits87.1219%2,587
Total domestic deposits to total assets76.6772%4,399
Equity capital to assets13.3045%1,304
Core capital (leverage) ratio10.3939%3,057
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9409%2,734
Memoranda:
Average total assets$129,174,000,00023
Average earning assets$112,602,000,00026
Average equity$17,038,500,00019
Average total loans$86,130,500,00022
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1659%3,894
Cost of funding earning assets0.6355%3,484
Net interest margin3.5303%3,348
Noninterest income to average assets1.6662%346
Noninterest expense to average assets2.6403%3,060
Loan and lease loss provision to assets0.3057%545
Net operating income to assets1.4177%1,285
Return on assets (ROA)1.4102%1,389
Pretax return on assets1.7784%995
Return on Equity (ROE)10.9984%1,893
Retained earnings to average equity (ytd only)0.6778%4,496
Net charge-offs to loans0.4270%451
Credit loss provision to net charge-offs108.1006%2,304
Earnings coverage of net charge-offs (x)7.4022%2,881
Efficiency ratio55.3405%4,290
Assets per employee ($millions)6.4445%1,316
Cash dividends to net income (ytd only)*93.8375%434
Condition Ratios (%)
Loss allowance to loans1.0395%3,275
Loan loss allowance to noncurrent loans116.8011%3,019
Noncurrent assets plus other real estate owned to assets0.6542%1,948
Noncurrent loans to loans0.8900%1,726
Net loans and leases to total assets65.8471%2,968
Net loans and leases to deposits82.8669%2,463
Net loans and leases to core deposits84.3583%2,917
Total domestic deposits to total assets79.4613%4,084
Equity capital to assets13.0698%1,477
Core capital (leverage) ratio10.2423%3,255
Tier 1 risk-based capital ratio11.5826%4,585
Total risk-based capital ratio12.9190%4,430
Memoranda:
Average total assets$126,577,117,60023
Average earning assets$109,989,287,60025
Average equity$16,229,575,20020
Average total loans$83,839,587,20020
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2232%3,873
Cost of funding earning assets0.6696%3,355
Net interest margin3.5536%3,394
Noninterest income to average assets1.6433%349
Noninterest expense to average assets2.6338%3,061
Loan and lease loss provision to assets0.3060%481
Net operating income to assets1.4186%1,415
Return on assets (ROA)1.4036%1,516
Pretax return on assets1.7706%1,158
Return on Equity (ROE)10.9998%2,016
Retained earnings to average equity (ytd only)1.7303%4,357
Net charge-offs to loans0.4164%398
Credit loss provision to net charge-offs111.0687%2,078
Earnings coverage of net charge-offs (x)7.6069%2,725
Efficiency ratio55.2690%4,247
Assets per employee ($millions)6.5474%1,245
Cash dividends to net income (ytd only)*84.2697%559
Condition Ratios (%)
Loss allowance to loans1.0428%3,334
Loan loss allowance to noncurrent loans126.8613%2,910
Noncurrent assets plus other real estate owned to assets0.6037%2,193
Noncurrent loans to loans0.8220%1,922
Net loans and leases to total assets64.6566%3,222
Net loans and leases to deposits84.8711%2,334
Net loans and leases to core deposits86.6666%2,852
Total domestic deposits to total assets76.1822%4,629
Equity capital to assets13.2551%1,479
Core capital (leverage) ratio10.2872%3,318
Tier 1 risk-based capital ratio11.6672%4,584
Total risk-based capital ratio13.0059%4,437
Memoranda:
Average total assets$126,811,147,00023
Average earning assets$110,119,109,50026
Average equity$16,181,719,00020
Average total loans$83,899,484,00021
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2539%3,779
Cost of funding earning assets0.6887%3,226
Net interest margin3.5652%3,378
Noninterest income to average assets1.6039%356
Noninterest expense to average assets2.6326%3,111
Loan and lease loss provision to assets0.2892%485
Net operating income to assets1.4143%1,393
Return on assets (ROA)1.3906%1,516
Pretax return on assets1.7524%1,165
Return on Equity (ROE)11.0412%1,956
Retained earnings to average equity (ytd only)1.3174%4,345
Net charge-offs to loans0.4067%411
Credit loss provision to net charge-offs107.0175%1,872
Earnings coverage of net charge-offs (x)7.6667%2,471
Efficiency ratio55.5257%4,303
Assets per employee ($millions)6.4453%1,264
Cash dividends to net income (ytd only)*88.0682%661
Condition Ratios (%)
Loss allowance to loans1.0136%3,538
Loan loss allowance to noncurrent loans112.8477%3,124
Noncurrent assets plus other real estate owned to assets0.6596%2,062
Noncurrent loans to loans0.8982%1,820
Net loans and leases to total assets65.5718%3,160
Net loans and leases to deposits84.6212%2,416
Net loans and leases to core deposits86.7084%2,904
Total domestic deposits to total assets77.4887%4,486
Equity capital to assets12.9910%1,593
Core capital (leverage) ratio10.0502%3,537
Tier 1 risk-based capital ratio11.5447%4,662
Total risk-based capital ratio12.8636%4,523
Memoranda:
Average total assets$126,567,196,00022
Average earning assets$110,063,812,67026
Average equity$15,940,292,00021
Average total loans$84,087,978,67020
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2453%3,725
Cost of funding earning assets0.6688%3,211
Net interest margin3.5765%3,341
Noninterest income to average assets1.5601%355
Noninterest expense to average assets2.6170%3,164
Loan and lease loss provision to assets0.2880%463
Net operating income to assets1.3885%1,408
Return on assets (ROA)1.3860%1,449
Pretax return on assets1.7658%1,062
Return on Equity (ROE)11.1821%1,877
Retained earnings to average equity (ytd only)2.5019%3,924
Net charge-offs to loans0.3710%419
Credit loss provision to net charge-offs116.6667%1,438
Earnings coverage of net charge-offs (x)8.3333%2,088
Efficiency ratio55.5856%4,382
Assets per employee ($millions)6.4073%1,284
Cash dividends to net income (ytd only)*77.6256%971
Condition Ratios (%)
Loss allowance to loans1.0065%3,654
Loan loss allowance to noncurrent loans112.3847%3,198
Noncurrent assets plus other real estate owned to assets0.6620%2,111
Noncurrent loans to loans0.8956%1,863
Net loans and leases to total assets65.4974%3,113
Net loans and leases to deposits85.2973%2,214
Net loans and leases to core deposits87.5722%2,733
Total domestic deposits to total assets76.7872%4,675
Equity capital to assets12.4140%1,791
Core capital (leverage) ratio10.0837%3,510
Tier 1 risk-based capital ratio11.5042%4,742
Total risk-based capital ratio12.8209%4,589
Memoranda:
Average total assets$126,402,794,00024
Average earning assets$110,051,719,00027
Average equity$15,667,938,00024
Average total loans$84,101,968,00021
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0285%3,948
Cost of funding earning assets0.4465%3,705
Net interest margin3.5821%3,441
Noninterest income to average assets1.6295%362
Noninterest expense to average assets2.7922%2,718
Loan and lease loss provision to assets0.1854%1,044
Net operating income to assets1.4028%1,427
Return on assets (ROA)1.4058%1,399
Pretax return on assets1.7673%1,004
Return on Equity (ROE)10.9286%2,111
Retained earnings to average equity (ytd only)-2.8573%5,174
Net charge-offs to loans0.3972%469
Credit loss provision to net charge-offs70.8047%2,979
Earnings coverage of net charge-offs (x)7.4417%2,995
Efficiency ratio58.3941%4,100
Assets per employee ($millions)6.2653%1,348
Cash dividends to net income (ytd only)*126.1449%139
Condition Ratios (%)
Loss allowance to loans1.0060%3,647
Loan loss allowance to noncurrent loans114.5278%3,195
Noncurrent assets plus other real estate owned to assets0.6558%2,083
Noncurrent loans to loans0.8784%1,832
Net loans and leases to total assets66.2433%3,097
Net loans and leases to deposits85.6474%2,322
Net loans and leases to core deposits87.8481%2,765
Total domestic deposits to total assets77.3442%4,581
Equity capital to assets12.3760%1,650
Core capital (leverage) ratio10.1185%3,435
Tier 1 risk-based capital ratio11.5927%4,670
Total risk-based capital ratio12.9190%4,524
Memoranda:
Average total assets$123,494,115,60024
Average earning assets$107,274,984,80026
Average equity$15,885,849,20021
Average total loans$81,428,168,80021
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9643%4,037
Cost of funding earning assets0.4060%3,815
Net interest margin3.5584%3,495
Noninterest income to average assets1.6397%366
Noninterest expense to average assets2.8424%2,489
Loan and lease loss provision to assets0.1450%1,370
Net operating income to assets1.3773%1,568
Return on assets (ROA)1.3908%1,521
Pretax return on assets1.7583%1,115
Return on Equity (ROE)10.7089%2,302
Retained earnings to average equity (ytd only)0.0832%5,022
Net charge-offs to loans0.3755%431
Credit loss provision to net charge-offs58.7908%2,758
Earnings coverage of net charge-offs (x)7.6459%2,786
Efficiency ratio59.6053%3,864
Assets per employee ($millions)6.2571%1,306
Cash dividends to net income (ytd only)*99.2229%270
Condition Ratios (%)
Loss allowance to loans1.0226%3,630
Loan loss allowance to noncurrent loans108.4734%3,316
Noncurrent assets plus other real estate owned to assets0.6903%2,132
Noncurrent loans to loans0.9427%1,801
Net loans and leases to total assets65.6113%3,226
Net loans and leases to deposits85.4739%2,424
Net loans and leases to core deposits87.5490%2,871
Total domestic deposits to total assets76.7618%4,681
Equity capital to assets12.4822%1,599
Core capital (leverage) ratio10.5107%3,073
Tier 1 risk-based capital ratio12.2188%4,365
Total risk-based capital ratio13.5651%4,201
Memoranda:
Average total assets$123,188,497,50023
Average earning assets$106,936,371,50026
Average equity$15,998,592,50020
Average total loans$80,921,227,00020
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9055%4,066
Cost of funding earning assets0.3760%3,905
Net interest margin3.5295%3,538
Noninterest income to average assets1.6414%372
Noninterest expense to average assets2.8271%2,585
Loan and lease loss provision to assets0.0813%2,283
Net operating income to assets1.4070%1,413
Return on assets (ROA)1.4157%1,382
Pretax return on assets1.8083%943
Return on Equity (ROE)10.7603%2,204
Retained earnings to average equity (ytd only)8.4110%1,441
Net charge-offs to loans0.3640%433
Credit loss provision to net charge-offs34.1264%2,607
Earnings coverage of net charge-offs (x)7.8818%2,519
Efficiency ratio59.5598%3,998
Assets per employee ($millions)6.1033%1,399
Cash dividends to net income (ytd only)*21.8329%2,935
Condition Ratios (%)
Loss allowance to loans1.0344%3,626
Loan loss allowance to noncurrent loans99.8743%3,483
Noncurrent assets plus other real estate owned to assets0.7377%2,027
Noncurrent loans to loans1.0357%1,698
Net loans and leases to total assets64.8094%3,305
Net loans and leases to deposits82.9381%2,663
Net loans and leases to core deposits84.9540%3,013
Total domestic deposits to total assets78.1419%4,565
Equity capital to assets13.1649%1,237
Core capital (leverage) ratio11.1376%2,401
Tier 1 risk-based capital ratio12.9851%3,903
Total risk-based capital ratio14.3403%3,770
Memoranda:
Average total assets$122,941,848,67022
Average earning assets$106,734,519,33026
Average equity$16,175,140,67020
Average total loans$80,511,244,33020
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8625%4,040
Cost of funding earning assets0.3542%3,955
Net interest margin3.5083%3,503
Noninterest income to average assets1.6193%377
Noninterest expense to average assets2.8037%2,675
Loan and lease loss provision to assets-0.0326%5,443
Net operating income to assets1.4374%1,233
Return on assets (ROA)1.4523%1,195
Pretax return on assets1.9112%703
Return on Equity (ROE)11.0418%1,953
Retained earnings to average equity (ytd only)11.0418%887
Net charge-offs to loans0.4170%372
Credit loss provision to net charge-offs-11.9487%3,563
Earnings coverage of net charge-offs (x)6.8110%2,135
Efficiency ratio59.5951%4,118
Assets per employee ($millions)5.9135%1,587
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.0468%3,682
Loan loss allowance to noncurrent loans96.1599%3,522
Noncurrent assets plus other real estate owned to assets0.7814%2,013
Noncurrent loans to loans1.0886%1,683
Net loans and leases to total assets65.1813%3,152
Net loans and leases to deposits80.6246%2,736
Net loans and leases to core deposits82.6474%3,093
Total domestic deposits to total assets80.8304%4,236
Equity capital to assets13.2490%1,136
Core capital (leverage) ratio10.9007%2,539
Tier 1 risk-based capital ratio12.9154%3,998
Total risk-based capital ratio14.2921%3,841
Memoranda:
Average total assets$122,595,230,50022
Average earning assets$106,376,904,50025
Average equity$16,124,520,50020
Average total loans$80,284,551,50019
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6306%4,506
Cost of funding earning assets0.2775%4,345
Net interest margin3.3532%4,001
Noninterest income to average assets1.6178%401
Noninterest expense to average assets2.7634%2,910
Loan and lease loss provision to assets0.1213%1,890
Net operating income to assets1.0994%1,857
Return on assets (ROA)1.1105%1,848
Pretax return on assets1.6576%1,126
Return on Equity (ROE)8.4708%2,564
Retained earnings to average equity (ytd only)0.4502%4,859
Net charge-offs to loans0.3817%662
Credit loss provision to net charge-offs48.8924%3,341
Earnings coverage of net charge-offs (x)7.1020%3,089
Efficiency ratio60.4611%4,190
Assets per employee ($millions)5.8844%1,596
Cash dividends to net income (ytd only)*94.6848%457
Condition Ratios (%)
Loss allowance to loans1.1632%2,992
Loan loss allowance to noncurrent loans97.5108%3,579
Noncurrent assets plus other real estate owned to assets0.8467%1,841
Noncurrent loans to loans1.1929%1,491
Net loans and leases to total assets64.3513%3,327
Net loans and leases to deposits80.1616%2,898
Net loans and leases to core deposits82.8414%3,165
Total domestic deposits to total assets80.2582%4,292
Equity capital to assets13.0575%1,236
Core capital (leverage) ratio10.5380%2,801
Tier 1 risk-based capital ratio12.4943%4,210
Total risk-based capital ratio13.9683%3,976
Memoranda:
Average total assets$123,638,410,40022
Average earning assets$107,221,012,80023
Average equity$16,208,300,20020
Average total loans$80,385,677,80018
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5963%4,570
Cost of funding earning assets0.2676%4,426
Net interest margin3.3287%4,078
Noninterest income to average assets1.6077%427
Noninterest expense to average assets2.7215%2,990
Loan and lease loss provision to assets0.2091%902
Net operating income to assets1.0850%2,152
Return on assets (ROA)1.0914%2,182
Pretax return on assets1.5746%1,502
Return on Equity (ROE)8.3172%2,971
Retained earnings to average equity (ytd only)0.4330%5,123
Net charge-offs to loans0.4050%523
Credit loss provision to net charge-offs79.4343%2,591
Earnings coverage of net charge-offs (x)6.7413%2,949
Efficiency ratio59.9256%4,231
Assets per employee ($millions)5.7412%1,692
Cash dividends to net income (ytd only)*94.7936%375
Condition Ratios (%)
Loss allowance to loans1.3049%2,332
Loan loss allowance to noncurrent loans102.9491%3,480
Noncurrent assets plus other real estate owned to assets0.9025%1,895
Noncurrent loans to loans1.2675%1,512
Net loans and leases to total assets64.2620%3,353
Net loans and leases to deposits78.8821%3,081
Net loans and leases to core deposits82.1003%3,274
Total domestic deposits to total assets81.4362%3,935
Equity capital to assets13.2637%1,268
Core capital (leverage) ratio10.4942%2,994
Tier 1 risk-based capital ratio12.4360%4,360
Total risk-based capital ratio14.1829%3,969
Memoranda:
Average total assets$123,716,708,00022
Average earning assets$107,340,545,50023
Average equity$16,234,587,50020
Average total loans$80,408,252,25018
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5349%4,669
Cost of funding earning assets0.2586%4,474
Net interest margin3.2763%4,189
Noninterest income to average assets1.6140%431
Noninterest expense to average assets2.7215%3,008
Loan and lease loss provision to assets0.1901%982
Net operating income to assets1.0758%2,102
Return on assets (ROA)1.0774%2,139
Pretax return on assets1.5485%1,497
Return on Equity (ROE)8.2395%2,892
Retained earnings to average equity (ytd only)3.0027%3,929
Net charge-offs to loans0.4171%486
Credit loss provision to net charge-offs70.1771%2,374
Earnings coverage of net charge-offs (x)6.4089%2,717
Efficiency ratio60.4304%4,257
Assets per employee ($millions)5.7947%1,611
Cash dividends to net income (ytd only)*63.5572%1,349
Condition Ratios (%)
Loss allowance to loans1.2896%2,466
Loan loss allowance to noncurrent loans98.0289%3,608
Noncurrent assets plus other real estate owned to assets0.9651%1,818
Noncurrent loans to loans1.3155%1,471
Net loans and leases to total assets64.3887%3,334
Net loans and leases to deposits80.2509%2,882
Net loans and leases to core deposits83.4188%3,130
Total domestic deposits to total assets80.1768%4,368
Equity capital to assets13.2640%1,246
Core capital (leverage) ratio10.6118%2,798
Tier 1 risk-based capital ratio12.4941%4,306
Total risk-based capital ratio14.2303%3,928
Memoranda:
Average total assets$124,131,607,33020
Average earning assets$107,745,339,33023
Average equity$16,231,337,00019
Average total loans$80,629,835,00018
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4799%4,746
Cost of funding earning assets0.2516%4,521
Net interest margin3.2283%4,250
Noninterest income to average assets1.6032%430
Noninterest expense to average assets2.6775%3,230
Loan and lease loss provision to assets0.2252%697
Net operating income to assets1.0356%2,142
Return on assets (ROA)1.0366%2,186
Pretax return on assets1.5040%1,517
Return on Equity (ROE)7.9850%2,928
Retained earnings to average equity (ytd only)2.6573%4,077
Net charge-offs to loans0.4966%368
Credit loss provision to net charge-offs69.9587%1,838
Earnings coverage of net charge-offs (x)5.3673%2,300
Efficiency ratio60.1539%4,432
Assets per employee ($millions)5.7923%1,662
Cash dividends to net income (ytd only)*66.7213%1,239
Condition Ratios (%)
Loss allowance to loans1.3197%2,440
Loan loss allowance to noncurrent loans83.0404%3,945
Noncurrent assets plus other real estate owned to assets1.1515%1,534
Noncurrent loans to loans1.5892%1,228
Net loans and leases to total assets64.1531%3,255
Net loans and leases to deposits78.8206%2,890
Net loans and leases to core deposits82.1546%3,079
Total domestic deposits to total assets81.3134%4,340
Equity capital to assets13.0935%1,221
Core capital (leverage) ratio10.3948%3,012
Tier 1 risk-based capital ratio12.3159%4,500
Total risk-based capital ratio14.1695%4,024
Memoranda:
Average total assets$124,339,225,50020
Average earning assets$107,921,082,50023
Average equity$16,142,113,00019
Average total loans$80,594,758,50018
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3969%4,987
Cost of funding earning assets0.2275%4,761
Net interest margin3.1694%4,536
Noninterest income to average assets1.6335%454
Noninterest expense to average assets2.6932%3,361
Loan and lease loss provision to assets0.2099%1,079
Net operating income to assets1.0311%2,224
Return on assets (ROA)1.0345%2,307
Pretax return on assets1.4914%1,608
Return on Equity (ROE)7.8572%3,022
Retained earnings to average equity (ytd only)0.6178%5,081
Net charge-offs to loans0.3399%804
Credit loss provision to net charge-offs94.4369%2,715
Earnings coverage of net charge-offs (x)7.6339%2,989
Efficiency ratio60.6823%4,474
Assets per employee ($millions)5.8568%1,578
Cash dividends to net income (ytd only)*92.1375%530
Condition Ratios (%)
Loss allowance to loans1.3498%2,302
Loan loss allowance to noncurrent loans84.5034%3,924
Noncurrent assets plus other real estate owned to assets1.1596%1,582
Noncurrent loans to loans1.5974%1,234
Net loans and leases to total assets63.7556%3,389
Net loans and leases to deposits79.4008%2,954
Net loans and leases to core deposits83.4187%3,083
Total domestic deposits to total assets80.1471%4,542
Equity capital to assets12.8723%1,314
Core capital (leverage) ratio10.3433%3,055
Tier 1 risk-based capital ratio12.1383%4,630
Total risk-based capital ratio14.0046%4,122
Memoranda:
Average total assets$124,850,483,80020
Average earning assets$108,567,955,00022
Average equity$16,437,798,20018
Average total loans$81,616,917,80018
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3899%5,047
Cost of funding earning assets0.2264%4,820
Net interest margin3.1635%4,597
Noninterest income to average assets1.6468%451
Noninterest expense to average assets2.7016%3,343
Loan and lease loss provision to assets0.2286%884
Net operating income to assets1.0144%2,367
Return on assets (ROA)1.0154%2,496
Pretax return on assets1.4702%1,807
Return on Equity (ROE)7.6692%3,206
Retained earnings to average equity (ytd only)0.8103%5,143
Net charge-offs to loans0.3162%733
Credit loss provision to net charge-offs110.3053%2,222
Earnings coverage of net charge-offs (x)8.1899%2,798
Efficiency ratio60.7408%4,436
Assets per employee ($millions)5.8122%1,571
Cash dividends to net income (ytd only)*89.4340%546
Condition Ratios (%)
Loss allowance to loans1.3827%2,277
Loan loss allowance to noncurrent loans82.1870%4,006
Noncurrent assets plus other real estate owned to assets1.1956%1,671
Noncurrent loans to loans1.6824%1,253
Net loans and leases to total assets64.6774%3,314
Net loans and leases to deposits79.7956%2,995
Net loans and leases to core deposits83.9059%3,131
Total domestic deposits to total assets80.8629%4,283
Equity capital to assets13.4847%1,254
Core capital (leverage) ratio10.3120%3,215
Tier 1 risk-based capital ratio12.0369%4,769
Total risk-based capital ratio13.9232%4,263
Memoranda:
Average total assets$124,802,599,50019
Average earning assets$108,578,982,00021
Average equity$16,523,288,25018
Average total loans$81,818,121,00016
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4010%5,080
Cost of funding earning assets0.2231%4,909
Net interest margin3.1779%4,618
Noninterest income to average assets1.5511%505
Noninterest expense to average assets2.6698%3,488
Loan and lease loss provision to assets0.2960%615
Net operating income to assets0.9461%2,639
Return on assets (ROA)0.9471%2,781
Pretax return on assets1.3521%2,197
Return on Equity (ROE)7.1977%3,424
Retained earnings to average equity (ytd only)0.2671%5,221
Net charge-offs to loans0.3416%688
Credit loss provision to net charge-offs132.1740%1,753
Earnings coverage of net charge-offs (x)7.3529%2,635
Efficiency ratio61.1595%4,486
Assets per employee ($millions)5.8007%1,547
Cash dividends to net income (ytd only)*96.2898%565
Condition Ratios (%)
Loss allowance to loans1.3997%2,298
Loan loss allowance to noncurrent loans86.8111%3,973
Noncurrent assets plus other real estate owned to assets1.1471%1,844
Noncurrent loans to loans1.6123%1,330
Net loans and leases to total assets64.7488%3,258
Net loans and leases to deposits81.6089%2,753
Net loans and leases to core deposits85.6833%2,933
Total domestic deposits to total assets79.1344%4,747
Equity capital to assets13.3416%1,311
Core capital (leverage) ratio10.2662%3,250
Tier 1 risk-based capital ratio11.8018%4,969
Total risk-based capital ratio13.6802%4,485
Memoranda:
Average total assets$125,004,749,00019
Average earning assets$108,777,272,33020
Average equity$16,448,565,00018
Average total loans$81,939,806,33015
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4177%5,083
Cost of funding earning assets0.2236%4,965
Net interest margin3.1941%4,601
Noninterest income to average assets1.5731%477
Noninterest expense to average assets2.6620%3,538
Loan and lease loss provision to assets0.3619%408
Net operating income to assets0.9327%2,593
Return on assets (ROA)0.9227%2,744
Pretax return on assets1.3186%2,230
Return on Equity (ROE)7.0616%3,420
Retained earnings to average equity (ytd only)-0.2925%5,160
Net charge-offs to loans0.3334%666
Credit loss provision to net charge-offs165.7937%1,214
Earnings coverage of net charge-offs (x)7.7633%2,119
Efficiency ratio60.4118%4,695
Assets per employee ($millions)5.6522%1,707
Cash dividends to net income (ytd only)*104.1421%663
Condition Ratios (%)
Loss allowance to loans1.4045%2,397
Loan loss allowance to noncurrent loans87.1691%3,919
Noncurrent assets plus other real estate owned to assets1.1541%1,903
Noncurrent loans to loans1.6112%1,431
Net loans and leases to total assets64.8327%3,133
Net loans and leases to deposits81.0933%2,661
Net loans and leases to core deposits85.1419%2,832
Total domestic deposits to total assets79.7317%4,808
Equity capital to assets13.2437%1,296
Core capital (leverage) ratio10.1728%3,342
Tier 1 risk-based capital ratio11.6525%5,132
Total risk-based capital ratio13.5961%4,591
Memoranda:
Average total assets$124,879,348,00019
Average earning assets$108,833,740,50020
Average equity$16,317,328,00018
Average total loans$81,783,310,00015
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3493%5,258
Cost of funding earning assets0.2028%5,263
Net interest margin3.1465%4,786
Noninterest income to average assets1.4859%563
Noninterest expense to average assets2.7417%3,440
Loan and lease loss provision to assets0.1975%1,095
Net operating income to assets0.8984%2,881
Return on assets (ROA)0.9147%2,875
Pretax return on assets1.3168%2,216
Return on Equity (ROE)6.8960%3,563
Retained earnings to average equity (ytd only)1.5827%4,817
Net charge-offs to loans0.2972%1,020
Credit loss provision to net charge-offs101.2554%2,473
Earnings coverage of net charge-offs (x)7.6431%3,053
Efficiency ratio63.9799%4,266
Assets per employee ($millions)5.5457%1,744
Cash dividends to net income (ytd only)*77.0488%961
Condition Ratios (%)
Loss allowance to loans1.3555%2,643
Loan loss allowance to noncurrent loans97.0577%3,747
Noncurrent assets plus other real estate owned to assets1.0071%2,181
Noncurrent loans to loans1.3966%1,673
Net loans and leases to total assets64.3403%3,224
Net loans and leases to deposits80.9160%2,720
Net loans and leases to core deposits85.3840%2,840
Total domestic deposits to total assets79.3205%4,902
Equity capital to assets12.8899%1,404
Core capital (leverage) ratio10.2805%3,176
Tier 1 risk-based capital ratio11.6849%5,138
Total risk-based capital ratio13.5935%4,629
Memoranda:
Average total assets$122,029,803,20019
Average earning assets$106,517,222,80018
Average equity$16,185,941,60017
Average total loans$80,073,096,20013
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3625%5,289
Cost of funding earning assets0.1992%5,380
Net interest margin3.1633%4,791
Noninterest income to average assets1.4436%593
Noninterest expense to average assets2.7684%3,312
Loan and lease loss provision to assets0.1891%1,077
Net operating income to assets0.8600%3,124
Return on assets (ROA)0.8737%3,154
Pretax return on assets1.2678%2,523
Return on Equity (ROE)6.5398%3,882
Retained earnings to average equity (ytd only)1.7253%5,012
Net charge-offs to loans0.2684%991
Credit loss provision to net charge-offs107.2279%2,151
Earnings coverage of net charge-offs (x)8.1468%2,841
Efficiency ratio65.0144%4,062
Assets per employee ($millions)5.4701%1,811
Cash dividends to net income (ytd only)*73.6193%903
Condition Ratios (%)
Loss allowance to loans1.3677%2,749
Loan loss allowance to noncurrent loans98.1775%3,714
Noncurrent assets plus other real estate owned to assets1.0230%2,314
Noncurrent loans to loans1.3931%1,831
Net loans and leases to total assets64.9122%3,171
Net loans and leases to deposits81.7183%2,678
Net loans and leases to core deposits86.3940%2,808
Total domestic deposits to total assets79.2279%4,925
Equity capital to assets13.1784%1,364
Core capital (leverage) ratio10.4217%3,141
Tier 1 risk-based capital ratio11.7947%5,205
Total risk-based capital ratio13.7482%4,659
Memoranda:
Average total assets$121,256,938,25018
Average earning assets$105,861,974,25018
Average equity$16,200,422,50017
Average total loans$79,688,944,00013
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3623%5,306
Cost of funding earning assets0.1980%5,454
Net interest margin3.1643%4,771
Noninterest income to average assets1.4030%643
Noninterest expense to average assets2.7925%3,260
Loan and lease loss provision to assets0.1861%1,083
Net operating income to assets0.8083%3,339
Return on assets (ROA)0.8203%3,381
Pretax return on assets1.2078%2,747
Return on Equity (ROE)6.1111%4,073
Retained earnings to average equity (ytd only)1.9031%4,746
Net charge-offs to loans0.2535%1,024
Credit loss provision to net charge-offs111.7564%1,906
Earnings coverage of net charge-offs (x)8.2667%2,578
Efficiency ratio66.1437%3,981
Assets per employee ($millions)5.3879%1,849
Cash dividends to net income (ytd only)*68.8585%1,248
Condition Ratios (%)
Loss allowance to loans1.3824%2,837
Loan loss allowance to noncurrent loans103.5191%3,636
Noncurrent assets plus other real estate owned to assets1.0162%2,479
Noncurrent loans to loans1.3354%2,010
Net loans and leases to total assets65.7765%2,989
Net loans and leases to deposits80.8561%2,682
Net loans and leases to core deposits85.3296%2,846
Total domestic deposits to total assets81.1365%4,574
Equity capital to assets13.3280%1,248
Core capital (leverage) ratio10.5651%2,875
Tier 1 risk-based capital ratio11.9894%5,160
Total risk-based capital ratio13.9875%4,577
Memoranda:
Average total assets$120,389,549,00018
Average earning assets$105,229,554,67018
Average equity$16,159,682,00017
Average total loans$79,080,407,33013
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3765%5,260
Cost of funding earning assets0.2116%5,401
Net interest margin3.1650%4,731
Noninterest income to average assets1.3331%646
Noninterest expense to average assets2.7388%3,457
Loan and lease loss provision to assets0.1632%1,233
Net operating income to assets0.7814%3,356
Return on assets (ROA)0.7928%3,435
Pretax return on assets1.2137%2,615
Return on Equity (ROE)5.8851%4,085
Retained earnings to average equity (ytd only)2.9186%4,222
Net charge-offs to loans0.2788%864
Credit loss provision to net charge-offs89.7913%1,742
Earnings coverage of net charge-offs (x)7.4809%2,167
Efficiency ratio65.9614%4,166
Assets per employee ($millions)5.4273%1,856
Cash dividends to net income (ytd only)*50.4072%1,717
Condition Ratios (%)
Loss allowance to loans1.3942%2,945
Loan loss allowance to noncurrent loans94.7003%3,808
Noncurrent assets plus other real estate owned to assets1.0670%2,478
Noncurrent loans to loans1.4722%1,925
Net loans and leases to total assets63.9318%3,095
Net loans and leases to deposits78.2341%2,770
Net loans and leases to core deposits82.6084%2,899
Total domestic deposits to total assets81.5229%4,667
Equity capital to assets13.3763%1,229
Core capital (leverage) ratio10.5610%2,896
Tier 1 risk-based capital ratio12.1113%5,172
Total risk-based capital ratio14.2217%4,534
Memoranda:
Average total assets$120,118,168,50018
Average earning assets$104,945,189,50018
Average equity$16,180,581,50017
Average total loans$78,290,577,50013
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5059%5,302
Cost of funding earning assets0.2233%5,568
Net interest margin3.2826%4,645
Noninterest income to average assets1.5181%534
Noninterest expense to average assets2.7386%3,719
Loan and lease loss provision to assets0.0586%3,368
Net operating income to assets1.0941%1,997
Return on assets (ROA)1.1103%1,989
Pretax return on assets1.5963%1,248
Return on Equity (ROE)8.1133%3,071
Retained earnings to average equity (ytd only)0.7592%5,428
Net charge-offs to loans0.3995%1,075
Credit loss provision to net charge-offs22.5056%3,945
Earnings coverage of net charge-offs (x)6.2665%3,238
Efficiency ratio61.7726%4,942
Assets per employee ($millions)5.1536%2,119
Cash dividends to net income (ytd only)*90.6421%569
Condition Ratios (%)
Loss allowance to loans1.4172%2,866
Loan loss allowance to noncurrent loans90.8449%3,947
Noncurrent assets plus other real estate owned to assets1.1270%2,502
Noncurrent loans to loans1.5600%1,876
Net loans and leases to total assets64.5992%3,122
Net loans and leases to deposits79.5751%2,778
Net loans and leases to core deposits84.0466%2,896
Total domestic deposits to total assets80.9571%4,760
Equity capital to assets13.5669%1,127
Core capital (leverage) ratio10.6367%2,795
Tier 1 risk-based capital ratio12.2972%5,156
Total risk-based capital ratio14.4526%4,508
Memoranda:
Average total assets$117,747,143,80016
Average earning assets$102,306,120,40018
Average equity$16,113,509,60017
Average total loans$76,747,342,00013
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5194%5,351
Cost of funding earning assets0.2253%5,627
Net interest margin3.2941%4,626
Noninterest income to average assets1.5584%519
Noninterest expense to average assets2.7162%3,763
Loan and lease loss provision to assets0.0692%2,962
Net operating income to assets1.1405%1,898
Return on assets (ROA)1.1528%1,915
Pretax return on assets1.6512%1,176
Return on Equity (ROE)8.4057%2,984
Retained earnings to average equity (ytd only)1.1651%5,422
Net charge-offs to loans0.3905%1,019
Credit loss provision to net charge-offs27.2355%3,495
Earnings coverage of net charge-offs (x)6.6993%3,042
Efficiency ratio60.5721%5,111
Assets per employee ($millions)5.1587%2,069
Cash dividends to net income (ytd only)*86.1390%603
Condition Ratios (%)
Loss allowance to loans1.5275%2,586
Loan loss allowance to noncurrent loans95.7364%3,771
Noncurrent assets plus other real estate owned to assets1.1397%2,671
Noncurrent loans to loans1.5956%2,030
Net loans and leases to total assets64.1919%3,148
Net loans and leases to deposits78.5869%2,884
Net loans and leases to core deposits83.4199%2,950
Total domestic deposits to total assets81.4770%4,673
Equity capital to assets13.6960%1,111
Core capital (leverage) ratio10.6587%2,852
Tier 1 risk-based capital ratio12.3708%5,252
Total risk-based capital ratio14.5930%4,583
Memoranda:
Average total assets$117,483,576,75017
Average earning assets$102,028,203,75019
Average equity$16,112,475,50017
Average total loans$76,472,185,25014
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5338%5,333
Cost of funding earning assets0.2305%5,656
Net interest margin3.3033%4,574
Noninterest income to average assets1.5487%519
Noninterest expense to average assets2.7383%3,737
Loan and lease loss provision to assets0.0631%3,006
Net operating income to assets1.1197%1,861
Return on assets (ROA)1.1292%1,916
Pretax return on assets1.6263%1,190
Return on Equity (ROE)8.2299%2,968
Retained earnings to average equity (ytd only)1.0795%5,325
Net charge-offs to loans0.3903%1,036
Credit loss provision to net charge-offs24.8644%3,121
Earnings coverage of net charge-offs (x)6.5997%2,747
Efficiency ratio61.1243%5,129
Assets per employee ($millions)5.1813%1,991
Cash dividends to net income (ytd only)*86.8837%752
Condition Ratios (%)
Loss allowance to loans1.5956%2,476
Loan loss allowance to noncurrent loans97.6390%3,687
Noncurrent assets plus other real estate owned to assets1.1731%2,730
Noncurrent loans to loans1.6342%2,127
Net loans and leases to total assets64.2589%3,032
Net loans and leases to deposits78.6973%2,708
Net loans and leases to core deposits83.0950%2,842
Total domestic deposits to total assets81.4642%4,821
Equity capital to assets13.7893%1,054
Core capital (leverage) ratio10.6864%2,738
Tier 1 risk-based capital ratio12.3472%5,335
Total risk-based capital ratio14.5727%4,642
Memoranda:
Average total assets$117,214,852,67017
Average earning assets$101,673,323,67019
Average equity$16,082,986,00017
Average total loans$76,259,460,67014
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5437%5,319
Cost of funding earning assets0.2415%5,666
Net interest margin3.3022%4,529
Noninterest income to average assets1.5713%489
Noninterest expense to average assets2.7963%3,580
Loan and lease loss provision to assets0.0068%3,734
Net operating income to assets1.1381%1,671
Return on assets (ROA)1.1425%1,722
Pretax return on assets1.6389%1,089
Return on Equity (ROE)8.3477%2,761
Retained earnings to average equity (ytd only)1.8443%4,860
Net charge-offs to loans0.4324%844
Credit loss provision to net charge-offs2.4381%2,669
Earnings coverage of net charge-offs (x)5.8380%2,322
Efficiency ratio62.1238%5,100
Assets per employee ($millions)5.0789%2,150
Cash dividends to net income (ytd only)*77.9061%1,012
Condition Ratios (%)
Loss allowance to loans1.6572%2,483
Loan loss allowance to noncurrent loans86.2705%3,988
Noncurrent assets plus other real estate owned to assets1.3562%2,601
Noncurrent loans to loans1.9210%1,965
Net loans and leases to total assets63.9045%2,904
Net loans and leases to deposits78.7305%2,455
Net loans and leases to core deposits83.1842%2,618
Total domestic deposits to total assets80.9793%5,241
Equity capital to assets13.7297%1,024
Core capital (leverage) ratio10.6768%2,729
Tier 1 risk-based capital ratio12.4157%5,359
Total risk-based capital ratio14.8766%4,545
Memoranda:
Average total assets$116,843,605,00017
Average earning assets$101,357,480,50018
Average equity$15,991,730,00017
Average total loans$75,875,615,00014
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5825%5,452
Cost of funding earning assets0.2742%5,797
Net interest margin3.3083%4,630
Noninterest income to average assets1.6195%546
Noninterest expense to average assets2.7983%3,731
Loan and lease loss provision to assets0.1170%2,858
Net operating income to assets1.0894%1,965
Return on assets (ROA)1.1008%1,997
Pretax return on assets1.5747%1,233
Return on Equity (ROE)8.0667%3,004
Retained earnings to average equity (ytd only)-1.3741%6,111
Net charge-offs to loans0.9457%636
Credit loss provision to net charge-offs19.2760%4,458
Earnings coverage of net charge-offs (x)2.7583%4,082
Efficiency ratio61.6166%5,272
Assets per employee ($millions)5.2300%1,927
Cash dividends to net income (ytd only)*117.0338%249
Condition Ratios (%)
Loss allowance to loans1.7719%2,158
Loan loss allowance to noncurrent loans87.8651%3,944
Noncurrent assets plus other real estate owned to assets1.4234%2,614
Noncurrent loans to loans2.0166%1,973
Net loans and leases to total assets63.7441%3,083
Net loans and leases to deposits79.0910%2,576
Net loans and leases to core deposits83.7088%2,706
Total domestic deposits to total assets80.4087%5,341
Equity capital to assets13.6430%1,016
Core capital (leverage) ratio10.6683%2,706
Tier 1 risk-based capital ratio12.4610%5,310
Total risk-based capital ratio14.9357%4,476
Memoranda:
Average total assets$117,986,407,80017
Average earning assets$101,727,984,60016
Average equity$16,100,465,40018
Average total loans$75,700,943,40014
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5711%5,523
Cost of funding earning assets0.2806%5,886
Net interest margin3.2905%4,677
Noninterest income to average assets1.5857%583
Noninterest expense to average assets2.7160%3,964
Loan and lease loss provision to assets0.0665%3,726
Net operating income to assets1.1484%1,821
Return on assets (ROA)1.1635%1,832
Pretax return on assets1.6588%1,187
Return on Equity (ROE)8.5256%2,872
Retained earnings to average equity (ytd only)-1.5062%6,195
Net charge-offs to loans0.7702%770
Credit loss provision to net charge-offs13.4899%4,175
Earnings coverage of net charge-offs (x)3.4528%3,696
Efficiency ratio60.5059%5,355
Assets per employee ($millions)5.2418%1,901
Cash dividends to net income (ytd only)*117.6665%253
Condition Ratios (%)
Loss allowance to loans2.0117%1,692
Loan loss allowance to noncurrent loans87.2831%3,838
Noncurrent assets plus other real estate owned to assets1.6459%2,500
Noncurrent loans to loans2.3048%1,904
Net loans and leases to total assets64.6456%2,891
Net loans and leases to deposits80.1047%2,397
Net loans and leases to core deposits85.1170%2,528
Total domestic deposits to total assets80.4939%5,360
Equity capital to assets13.6574%1,062
Core capital (leverage) ratio10.7211%2,767
Tier 1 risk-based capital ratio12.4757%5,472
Total risk-based capital ratio14.9496%4,585
Memoranda:
Average total assets$118,330,872,25017
Average earning assets$101,837,108,25016
Average equity$16,148,361,50018
Average total loans$75,708,196,50014
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5517%5,584
Cost of funding earning assets0.2895%5,907
Net interest margin3.2622%4,721
Noninterest income to average assets1.5738%635
Noninterest expense to average assets2.6606%4,181
Loan and lease loss provision to assets0.0689%3,666
Net operating income to assets1.1517%1,733
Return on assets (ROA)1.1706%1,776
Pretax return on assets1.6778%1,164
Return on Equity (ROE)8.5799%2,806
Retained earnings to average equity (ytd only)-2.8067%6,282
Net charge-offs to loans0.8591%724
Credit loss provision to net charge-offs12.6557%3,862
Earnings coverage of net charge-offs (x)3.1544%3,472
Efficiency ratio59.7934%5,510
Assets per employee ($millions)5.4043%1,689
Cash dividends to net income (ytd only)*132.7126%270
Condition Ratios (%)
Loss allowance to loans2.1570%1,517
Loan loss allowance to noncurrent loans82.8749%3,948
Noncurrent assets plus other real estate owned to assets1.7893%2,430
Noncurrent loans to loans2.6027%1,766
Net loans and leases to total assets62.9355%3,113
Net loans and leases to deposits79.1827%2,437
Net loans and leases to core deposits84.2201%2,526
Total domestic deposits to total assets79.3176%5,751
Equity capital to assets13.3484%1,204
Core capital (leverage) ratio10.5895%2,781
Tier 1 risk-based capital ratio12.6612%5,381
Total risk-based capital ratio15.1767%4,437
Memoranda:
Average total assets$119,085,135,67017
Average earning assets$102,325,092,00016
Average equity$16,247,186,33018
Average total loans$75,419,831,67014
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5220%5,654
Cost of funding earning assets0.3020%5,951
Net interest margin3.2200%4,849
Noninterest income to average assets1.5447%646
Noninterest expense to average assets2.6690%4,188
Loan and lease loss provision to assets0.0334%4,028
Net operating income to assets1.1825%1,577
Return on assets (ROA)1.2127%1,603
Pretax return on assets1.6674%1,158
Return on Equity (ROE)8.7950%2,584
Retained earnings to average equity (ytd only)1.5231%5,225
Net charge-offs to loans0.9576%642
Credit loss provision to net charge-offs5.5538%3,191
Earnings coverage of net charge-offs (x)2.7535%2,951
Efficiency ratio60.6892%5,490
Assets per employee ($millions)5.5070%1,663
Cash dividends to net income (ytd only)*82.6822%848
Condition Ratios (%)
Loss allowance to loans2.3305%1,362
Loan loss allowance to noncurrent loans80.5116%3,932
Noncurrent assets plus other real estate owned to assets1.9412%2,420
Noncurrent loans to loans2.8947%1,743
Net loans and leases to total assets61.6185%3,140
Net loans and leases to deposits76.7616%2,518
Net loans and leases to core deposits81.7224%2,610
Total domestic deposits to total assets79.9913%5,753
Equity capital to assets13.8683%1,068
Core capital (leverage) ratio10.8596%2,388
Tier 1 risk-based capital ratio13.3086%5,002
Total risk-based capital ratio16.0879%3,910
Memoranda:
Average total assets$119,678,031,50015
Average earning assets$103,374,581,00016
Average equity$16,501,919,50018
Average total loans$75,211,598,50014
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7293%5,996
Cost of funding earning assets0.4136%5,827
Net interest margin3.3156%5,199
Noninterest income to average assets1.6298%599
Noninterest expense to average assets2.7324%4,282
Loan and lease loss provision to assets0.1744%3,436
Net operating income to assets1.0858%1,988
Return on assets (ROA)1.0948%2,138
Pretax return on assets1.5834%1,431
Return on Equity (ROE)8.1996%3,003
Retained earnings to average equity (ytd only)2.3738%4,561
Net charge-offs to loans1.3468%708
Credit loss provision to net charge-offs20.4880%5,282
Earnings coverage of net charge-offs (x)2.0408%4,391
Efficiency ratio59.1699%5,674
Assets per employee ($millions)5.5805%1,610
Cash dividends to net income (ytd only)*71.0502%1,330
Condition Ratios (%)
Loss allowance to loans2.5452%1,083
Loan loss allowance to noncurrent loans83.9115%3,802
Noncurrent assets plus other real estate owned to assets2.0234%2,422
Noncurrent loans to loans3.0332%1,716
Net loans and leases to total assets61.0107%3,418
Net loans and leases to deposits76.0648%2,795
Net loans and leases to core deposits80.2021%2,976
Total domestic deposits to total assets79.9487%5,683
Equity capital to assets13.7099%1,150
Core capital (leverage) ratio10.6462%2,603
Tier 1 risk-based capital ratio13.2543%4,930
Total risk-based capital ratio16.0378%3,795
Memoranda:
Average total assets$122,132,750,60015
Average earning assets$104,604,946,40015
Average equity$16,306,721,40018
Average total loans$77,194,932,20014
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7564%6,114
Cost of funding earning assets0.4357%5,896
Net interest margin3.3207%5,307
Noninterest income to average assets1.6130%571
Noninterest expense to average assets2.7079%4,334
Loan and lease loss provision to assets0.1915%3,194
Net operating income to assets1.0977%2,097
Return on assets (ROA)1.1042%2,264
Pretax return on assets1.5713%1,664
Return on Equity (ROE)8.3247%3,121
Retained earnings to average equity (ytd only)2.9935%4,756
Net charge-offs to loans1.4754%589
Credit loss provision to net charge-offs20.4837%4,946
Earnings coverage of net charge-offs (x)1.8672%4,324
Efficiency ratio58.8102%5,685
Assets per employee ($millions)5.6073%1,535
Cash dividends to net income (ytd only)*64.0412%1,124
Condition Ratios (%)
Loss allowance to loans2.6946%987
Loan loss allowance to noncurrent loans83.2607%3,735
Noncurrent assets plus other real estate owned to assets2.2153%2,417
Noncurrent loans to loans3.2364%1,703
Net loans and leases to total assets61.6287%3,456
Net loans and leases to deposits77.8910%2,671
Net loans and leases to core deposits82.4953%2,894
Total domestic deposits to total assets78.8479%5,906
Equity capital to assets13.7618%1,248
Core capital (leverage) ratio10.5736%2,830
Tier 1 risk-based capital ratio13.3509%4,987
Total risk-based capital ratio16.2143%3,822
Memoranda:
Average total assets$122,560,741,50015
Average earning assets$104,825,706,00015
Average equity$16,256,016,75018
Average total loans$77,646,575,00014
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7847%6,179
Cost of funding earning assets0.4541%5,943
Net interest margin3.3306%5,348
Noninterest income to average assets1.5854%590
Noninterest expense to average assets2.7025%4,409
Loan and lease loss provision to assets0.2323%2,751
Net operating income to assets1.0760%2,144
Return on assets (ROA)1.0728%2,379
Pretax return on assets1.5027%1,838
Return on Equity (ROE)8.1890%3,169
Retained earnings to average equity (ytd only)0.1303%5,996
Net charge-offs to loans1.5316%638
Credit loss provision to net charge-offs23.9343%4,547
Earnings coverage of net charge-offs (x)1.7808%4,090
Efficiency ratio58.9611%5,735
Assets per employee ($millions)5.6150%1,507
Cash dividends to net income (ytd only)*98.4084%450
Condition Ratios (%)
Loss allowance to loans2.9601%812
Loan loss allowance to noncurrent loans89.4119%3,493
Noncurrent assets plus other real estate owned to assets2.2917%2,446
Noncurrent loans to loans3.3106%1,760
Net loans and leases to total assets61.9002%3,462
Net loans and leases to deposits78.3781%2,618
Net loans and leases to core deposits82.9825%2,830
Total domestic deposits to total assets78.7071%6,018
Equity capital to assets13.2922%1,398
Core capital (leverage) ratio10.1436%3,209
Tier 1 risk-based capital ratio12.9090%5,247
Total risk-based capital ratio15.7763%4,051
Memoranda:
Average total assets$123,136,912,67015
Average earning assets$105,188,424,33015
Average equity$16,131,794,67018
Average total loans$78,018,930,33014
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7583%6,326
Cost of funding earning assets0.4755%5,977
Net interest margin3.2828%5,522
Noninterest income to average assets1.5598%596
Noninterest expense to average assets2.7475%4,251
Loan and lease loss provision to assets0.3773%1,673
Net operating income to assets0.8997%2,914
Return on assets (ROA)0.8810%3,233
Pretax return on assets1.2327%2,795
Return on Equity (ROE)6.7734%3,904
Retained earnings to average equity (ytd only)6.7734%2,538
Net charge-offs to loans1.6957%571
Credit loss provision to net charge-offs35.2347%3,530
Earnings coverage of net charge-offs (x)1.5110%3,571
Efficiency ratio60.8582%5,480
Assets per employee ($millions)5.7239%1,500
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans3.2533%646
Loan loss allowance to noncurrent loans88.5496%3,384
Noncurrent assets plus other real estate owned to assets2.4869%2,378
Noncurrent loans to loans3.6740%1,688
Net loans and leases to total assets60.3357%3,587
Net loans and leases to deposits74.7973%2,999
Net loans and leases to core deposits78.4980%3,261
Total domestic deposits to total assets80.3741%5,759
Equity capital to assets13.0500%1,417
Core capital (leverage) ratio10.1711%3,148
Tier 1 risk-based capital ratio13.0965%5,134
Total risk-based capital ratio16.1606%3,787
Memoranda:
Average total assets$124,040,595,00015
Average earning assets$106,013,419,50015
Average equity$16,133,998,00018
Average total loans$78,331,292,50013
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9510%6,547
Cost of funding earning assets0.6262%5,949
Net interest margin3.3247%5,740
Noninterest income to average assets1.3978%661
Noninterest expense to average assets2.7536%4,539
Loan and lease loss provision to assets1.2115%726
Net operating income to assets0.2004%5,591
Return on assets (ROA)0.2510%5,566
Pretax return on assets0.3359%5,458
Return on Equity (ROE)2.0249%5,651
Retained earnings to average equity (ytd only)2.0249%4,769
Net charge-offs to loans2.4070%496
Credit loss provision to net charge-offs77.6654%4,570
Earnings coverage of net charge-offs (x)0.9461%5,094
Efficiency ratio58.2996%6,011
Assets per employee ($millions)5.6443%1,487
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans3.4802%542
Loan loss allowance to noncurrent loans84.6309%3,513
Noncurrent assets plus other real estate owned to assets2.8657%2,105
Noncurrent loans to loans4.1122%1,505
Net loans and leases to total assets61.7180%3,658
Net loans and leases to deposits77.4562%2,927
Net loans and leases to core deposits81.6127%3,231
Total domestic deposits to total assets79.3054%5,915
Equity capital to assets12.9636%1,507
Core capital (leverage) ratio9.7616%3,659
Tier 1 risk-based capital ratio12.8528%5,193
Total risk-based capital ratio15.9761%3,792
Memoranda:
Average total assets$126,290,495,20015
Average earning assets$107,556,988,80014
Average equity$15,653,844,20018
Average total loans$81,845,746,80011
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9660%6,640
Cost of funding earning assets0.6587%5,991
Net interest margin3.3072%5,836
Noninterest income to average assets1.3808%685
Noninterest expense to average assets2.5469%5,295
Loan and lease loss provision to assets1.2963%580
Net operating income to assets0.3097%5,365
Return on assets (ROA)0.3870%5,238
Pretax return on assets0.4468%5,322
Return on Equity (ROE)3.1577%5,357
Retained earnings to average equity (ytd only)3.1577%4,451
Net charge-offs to loans2.4872%440
Credit loss provision to net charge-offs80.1639%4,137
Earnings coverage of net charge-offs (x)1.0212%4,870
Efficiency ratio58.6409%5,909
Assets per employee ($millions)5.7453%1,397
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.6800%496
Loan loss allowance to noncurrent loans83.7264%3,437
Noncurrent assets plus other real estate owned to assets3.0863%2,074
Noncurrent loans to loans4.3952%1,479
Net loans and leases to total assets61.8171%3,772
Net loans and leases to deposits78.6072%2,869
Net loans and leases to core deposits82.9424%3,198
Total domestic deposits to total assets78.2370%6,144
Equity capital to assets12.7877%1,727
Core capital (leverage) ratio9.4037%4,301
Tier 1 risk-based capital ratio12.3602%5,613
Total risk-based capital ratio15.4610%4,162
Memoranda:
Average total assets$127,021,068,25015
Average earning assets$108,214,489,50014
Average equity$15,569,068,25019
Average total loans$82,585,723,50011
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9936%6,675
Cost of funding earning assets0.6868%6,032
Net interest margin3.3068%5,835
Noninterest income to average assets1.3360%707
Noninterest expense to average assets2.5860%5,237
Loan and lease loss provision to assets1.3800%531
Net operating income to assets0.1706%5,831
Return on assets (ROA)0.3029%5,499
Pretax return on assets0.3220%5,620
Return on Equity (ROE)2.5071%5,605
Retained earnings to average equity (ytd only)2.5071%4,694
Net charge-offs to loans2.4723%484
Credit loss provision to net charge-offs85.4916%3,602
Earnings coverage of net charge-offs (x)0.9672%4,570
Efficiency ratio60.4207%5,814
Assets per employee ($millions)5.7306%1,361
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.7868%473
Loan loss allowance to noncurrent loans84.0303%3,361
Noncurrent assets plus other real estate owned to assets3.2697%2,045
Noncurrent loans to loans4.5065%1,469
Net loans and leases to total assets62.5557%3,778
Net loans and leases to deposits79.9804%2,804
Net loans and leases to core deposits84.5852%3,124
Total domestic deposits to total assets77.6495%6,350
Equity capital to assets12.3130%1,895
Core capital (leverage) ratio9.1981%4,406
Tier 1 risk-based capital ratio12.0635%5,733
Total risk-based capital ratio15.1266%4,220
Memoranda:
Average total assets$127,532,099,67016
Average earning assets$108,426,494,00015
Average equity$15,409,740,00020
Average total loans$83,268,723,00012
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0094%6,684
Cost of funding earning assets0.7094%6,086
Net interest margin3.3000%5,776
Noninterest income to average assets1.3896%672
Noninterest expense to average assets2.6231%5,141
Loan and lease loss provision to assets1.5070%425
Net operating income to assets0.0674%6,185
Return on assets (ROA)0.2806%5,560
Pretax return on assets0.2767%5,720
Return on Equity (ROE)2.3443%5,664
Retained earnings to average equity (ytd only)2.3443%4,745
Net charge-offs to loans2.2989%521
Credit loss provision to net charge-offs100.1889%2,642
Earnings coverage of net charge-offs (x)1.0441%3,881
Efficiency ratio60.6161%5,889
Assets per employee ($millions)5.6726%1,431
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.8391%472
Loan loss allowance to noncurrent loans78.4535%3,596
Noncurrent assets plus other real estate owned to assets3.5411%1,920
Noncurrent loans to loans4.8935%1,386
Net loans and leases to total assets62.5934%3,736
Net loans and leases to deposits80.3383%2,652
Net loans and leases to core deposits85.0624%3,023
Total domestic deposits to total assets77.2756%6,489
Equity capital to assets11.9928%1,917
Core capital (leverage) ratio9.0205%4,581
Tier 1 risk-based capital ratio11.8867%5,792
Total risk-based capital ratio15.1317%4,127
Memoranda:
Average total assets$127,938,281,50015
Average earning assets$108,707,913,00015
Average equity$15,313,092,00020
Average total loans$83,707,872,00012
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1029%7,045
Cost of funding earning assets0.9577%5,896
Net interest margin3.1452%6,400
Noninterest income to average assets1.3682%780
Noninterest expense to average assets2.5816%5,494
Loan and lease loss provision to assets2.1701%578
Net operating income to assets-0.3669%6,280
Return on assets (ROA)-0.1908%6,156
Pretax return on assets-0.4077%6,248
Return on Equity (ROE)-1.5997%6,131
Retained earnings to average equity (ytd only)-1.5997%5,905
Net charge-offs to loans3.1786%502
Credit loss provision to net charge-offs102.5496%4,410
Earnings coverage of net charge-offs (x)0.6989%5,409
Efficiency ratio61.4808%5,814
Assets per employee ($millions)5.6036%1,495
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans3.7732%481
Loan loss allowance to noncurrent loans77.4376%3,645
Noncurrent assets plus other real estate owned to assets3.5561%1,940
Noncurrent loans to loans4.8726%1,411
Net loans and leases to total assets63.2806%4,013
Net loans and leases to deposits82.2961%2,748
Net loans and leases to core deposits90.6892%2,666
Total domestic deposits to total assets73.3269%6,968
Equity capital to assets11.9456%1,948
Core capital (leverage) ratio8.8503%4,777
Tier 1 risk-based capital ratio11.6780%5,746
Total risk-based capital ratio14.9322%4,049
Memoranda:
Average total assets$131,928,898,80015
Average earning assets$112,940,898,20015
Average equity$15,733,044,40019
Average total loans$87,830,758,60012
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1108%7,191
Cost of funding earning assets1.0142%5,875
Net interest margin3.0966%6,622
Noninterest income to average assets1.3107%801
Noninterest expense to average assets2.5464%5,535
Loan and lease loss provision to assets2.1894%513
Net operating income to assets-0.3832%6,505
Return on assets (ROA)-0.3618%6,525
Pretax return on assets-0.7245%6,694
Return on Equity (ROE)-3.0353%6,493
Retained earnings to average equity (ytd only)-3.0353%6,356
Net charge-offs to loans3.1719%465
Credit loss provision to net charge-offs103.3761%4,151
Earnings coverage of net charge-offs (x)0.6713%5,374
Efficiency ratio62.0124%5,618
Assets per employee ($millions)5.6146%1,523
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans3.7010%470
Loan loss allowance to noncurrent loans72.0896%3,703
Noncurrent assets plus other real estate owned to assets3.7824%1,879
Noncurrent loans to loans5.1338%1,335
Net loans and leases to total assets64.2183%4,082
Net loans and leases to deposits83.0484%2,901
Net loans and leases to core deposits92.4397%2,737
Total domestic deposits to total assets73.3010%7,003
Equity capital to assets12.1617%2,053
Core capital (leverage) ratio8.7910%5,028
Tier 1 risk-based capital ratio11.3880%6,032
Total risk-based capital ratio14.6038%4,274
Memoranda:
Average total assets$132,817,941,25015
Average earning assets$113,980,255,75015
Average equity$15,832,595,25019
Average total loans$88,683,331,75012
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1103%7,275
Cost of funding earning assets1.0806%5,784
Net interest margin3.0297%6,771
Noninterest income to average assets1.3403%701
Noninterest expense to average assets2.5795%5,407
Loan and lease loss provision to assets2.1198%576
Net operating income to assets-0.3820%6,547
Return on assets (ROA)-0.3481%6,561
Pretax return on assets-0.6897%6,717
Return on Equity (ROE)-2.9396%6,512
Retained earnings to average equity (ytd only)-2.9396%6,288
Net charge-offs to loans3.0156%520
Credit loss provision to net charge-offs105.2365%3,870
Earnings coverage of net charge-offs (x)0.6774%5,068
Efficiency ratio63.2224%5,481
Assets per employee ($millions)5.7210%1,434
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.6540%491
Loan loss allowance to noncurrent loans72.5197%3,727
Noncurrent assets plus other real estate owned to assets3.7686%1,854
Noncurrent loans to loans5.0386%1,366
Net loans and leases to total assets64.0995%4,245
Net loans and leases to deposits83.1567%3,042
Net loans and leases to core deposits92.4834%2,920
Total domestic deposits to total assets73.1197%7,084
Equity capital to assets12.1544%2,011
Core capital (leverage) ratio8.5801%5,274
Tier 1 risk-based capital ratio11.2739%5,970
Total risk-based capital ratio14.4584%4,237
Memoranda:
Average total assets$134,068,033,67014
Average earning assets$115,214,275,67015
Average equity$15,877,873,33018
Average total loans$89,554,276,67012
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1211%7,358
Cost of funding earning assets1.1788%5,517
Net interest margin2.9423%6,948
Noninterest income to average assets1.2712%748
Noninterest expense to average assets2.6591%5,105
Loan and lease loss provision to assets2.2714%471
Net operating income to assets-0.6099%6,904
Return on assets (ROA)-0.5373%6,888
Pretax return on assets-0.9916%7,043
Return on Equity (ROE)-4.5951%6,861
Retained earnings to average equity (ytd only)-4.5951%6,555
Net charge-offs to loans3.0841%493
Credit loss provision to net charge-offs110.0464%3,129
Earnings coverage of net charge-offs (x)0.5544%4,537
Efficiency ratio67.6480%4,791
Assets per employee ($millions)5.7235%1,480
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.5670%519
Loan loss allowance to noncurrent loans67.6401%3,976
Noncurrent assets plus other real estate owned to assets3.9902%1,721
Noncurrent loans to loans5.2736%1,344
Net loans and leases to total assets64.6398%4,186
Net loans and leases to deposits84.0604%2,931
Net loans and leases to core deposits92.9021%2,991
Total domestic deposits to total assets73.3839%7,124
Equity capital to assets11.8790%2,119
Core capital (leverage) ratio8.0959%6,083
Tier 1 risk-based capital ratio10.6174%6,524
Total risk-based capital ratio13.9403%4,533
Memoranda:
Average total assets$135,596,627,50014
Average earning assets$116,697,871,00014
Average equity$15,855,044,00018
Average total loans$90,750,292,00012
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4247%7,460
Cost of funding earning assets1.5378%5,348
Net interest margin2.8870%6,888
Noninterest income to average assets1.7112%491
Noninterest expense to average assets2.4658%6,250
Loan and lease loss provision to assets2.5730%762
Net operating income to assets-0.6971%6,364
Return on assets (ROA)-0.7085%6,371
Pretax return on assets-0.8396%6,298
Return on Equity (ROE)-6.5123%6,349
Retained earnings to average equity (ytd only)-6.5123%6,201
Net charge-offs to loans2.3420%987
Credit loss provision to net charge-offs157.1726%2,864
Earnings coverage of net charge-offs (x)1.0652%5,051
Efficiency ratio56.4115%6,962
Assets per employee ($millions)5.8564%1,355
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans3.3768%584
Loan loss allowance to noncurrent loans68.7254%3,974
Noncurrent assets plus other real estate owned to assets3.7260%1,790
Noncurrent loans to loans4.9134%1,386
Net loans and leases to total assets64.5696%4,477
Net loans and leases to deposits86.5109%2,819
Net loans and leases to core deposits104.3615%3,527
Total domestic deposits to total assets71.0079%7,343
Equity capital to assets11.5131%2,310
Core capital (leverage) ratio8.0518%6,082
Tier 1 risk-based capital ratio10.3622%6,529
Total risk-based capital ratio13.6512%4,562
Memoranda:
Average total assets$137,623,025,40013
Average earning assets$119,102,692,60013
Average equity$14,972,039,00017
Average total loans$96,195,599,20011
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4807%7,527
Cost of funding earning assets1.6039%5,382
Net interest margin2.8768%6,908
Noninterest income to average assets1.8430%436
Noninterest expense to average assets2.4681%6,186
Loan and lease loss provision to assets2.2899%744
Net operating income to assets-0.5345%6,466
Return on assets (ROA)-0.4527%6,381
Pretax return on assets-0.3451%6,143
Return on Equity (ROE)-4.2229%6,361
Retained earnings to average equity (ytd only)-4.2229%6,140
Net charge-offs to loans2.1419%901
Credit loss provision to net charge-offs151.2822%3,171
Earnings coverage of net charge-offs (x)1.2308%4,846
Efficiency ratio54.8540%7,136
Assets per employee ($millions)5.6380%1,484
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.7865%802
Loan loss allowance to noncurrent loans61.6148%4,268
Noncurrent assets plus other real estate owned to assets3.5080%1,892
Noncurrent loans to loans4.5224%1,541
Net loans and leases to total assets67.5870%4,052
Net loans and leases to deposits93.0220%2,057
Net loans and leases to core deposits113.6209%2,867
Total domestic deposits to total assets69.3097%7,471
Equity capital to assets12.0856%2,199
Core capital (leverage) ratio8.7666%5,025
Tier 1 risk-based capital ratio10.8854%6,070
Total risk-based capital ratio14.0986%4,234
Memoranda:
Average total assets$137,527,091,00016
Average earning assets$118,950,439,75013
Average equity$14,742,841,00016
Average total loans$97,188,341,00010
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5214%7,608
Cost of funding earning assets1.6716%5,413
Net interest margin2.8498%6,914
Noninterest income to average assets2.1488%328
Noninterest expense to average assets2.3963%6,469
Loan and lease loss provision to assets1.9353%845
Net operating income to assets-0.2221%6,222
Return on assets (ROA)-0.1497%6,127
Pretax return on assets0.4045%4,920
Return on Equity (ROE)-1.4568%6,141
Retained earnings to average equity (ytd only)-1.4568%5,601
Net charge-offs to loans1.7947%1,050
Credit loss provision to net charge-offs151.7859%3,029
Earnings coverage of net charge-offs (x)1.7368%4,250
Efficiency ratio49.9519%7,673
Assets per employee ($millions)5.4572%1,617
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.3266%1,070
Loan loss allowance to noncurrent loans63.1345%4,293
Noncurrent assets plus other real estate owned to assets2.9868%2,127
Noncurrent loans to loans3.6851%1,888
Net loans and leases to total assets70.7481%3,523
Net loans and leases to deposits97.7721%1,557
Net loans and leases to core deposits119.2618%2,432
Total domestic deposits to total assets69.1882%7,536
Equity capital to assets10.3894%3,528
Core capital (leverage) ratio6.8604%7,626
Tier 1 risk-based capital ratio8.6382%7,826
Total risk-based capital ratio11.7874%6,296
Memoranda:
Average total assets$138,171,308,00016
Average earning assets$119,364,746,00013
Average equity$14,194,642,67016
Average total loans$98,160,793,67010
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5231%7,695
Cost of funding earning assets1.7302%5,472
Net interest margin2.7929%7,006
Noninterest income to average assets2.1976%306
Noninterest expense to average assets2.2490%6,695
Loan and lease loss provision to assets1.2183%1,062
Net operating income to assets0.2614%5,432
Return on assets (ROA)0.3258%5,366
Pretax return on assets1.2594%2,415
Return on Equity (ROE)3.1884%5,283
Retained earnings to average equity (ytd only)3.1884%4,100
Net charge-offs to loans1.5890%913
Credit loss provision to net charge-offs108.9579%3,531
Earnings coverage of net charge-offs (x)2.1094%3,670
Efficiency ratio46.7789%7,807
Assets per employee ($millions)5.3666%1,680
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.9058%1,608
Loan loss allowance to noncurrent loans65.9418%4,264
Noncurrent assets plus other real estate owned to assets2.2679%2,528
Noncurrent loans to loans2.8901%2,260
Net loans and leases to total assets69.9233%3,687
Net loans and leases to deposits97.6282%1,713
Net loans and leases to core deposits121.4993%2,293
Total domestic deposits to total assets67.3266%7,649
Equity capital to assets10.4537%3,506
Core capital (leverage) ratio7.2121%7,467
Tier 1 risk-based capital ratio8.6966%7,906
Total risk-based capital ratio11.8840%6,176
Memoranda:
Average total assets$139,541,809,50016
Average earning assets$120,413,197,00013
Average equity$14,256,761,00015
Average total loans$98,192,842,50010
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5858%7,117
Cost of funding earning assets2.1386%5,883
Net interest margin3.4471%5,474
Noninterest income to average assets1.2076%1,020
Noninterest expense to average assets6.7960%300
Loan and lease loss provision to assets1.4739%921
Net operating income to assets-4.0092%7,990
Return on assets (ROA)-3.9551%7,968
Pretax return on assets-4.1495%7,917
Return on Equity (ROE)-28.3131%7,933
Retained earnings to average equity (ytd only)-32.0318%7,946
Net charge-offs to loans1.5793%725
Credit loss provision to net charge-offs132.5306%4,018
Earnings coverage of net charge-offs (x)-2.4575%6,735
Efficiency ratio58.9694%6,529
Assets per employee ($millions)5.4175%1,524
Cash dividends to net income (ytd only)*-13.1344%7,885
Condition Ratios (%)
Loss allowance to loans1.8496%1,531
Loan loss allowance to noncurrent loans89.7422%3,764
Noncurrent assets plus other real estate owned to assets1.5965%3,050
Noncurrent loans to loans2.0611%2,679
Net loans and leases to total assets68.2018%4,426
Net loans and leases to deposits101.0193%1,702
Net loans and leases to core deposits126.6567%2,117
Total domestic deposits to total assets62.7960%7,846
Equity capital to assets9.9884%4,050
Core capital (leverage) ratio6.9099%7,754
Tier 1 risk-based capital ratio8.4117%8,010
Total risk-based capital ratio11.5471%6,297
Memoranda:
Average total assets$139,561,909,60014
Average earning assets$115,604,626,60014
Average equity$19,495,782,80011
Average total loans$98,279,971,40010