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Riverstone Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4355%1,249
Cost of funding earning assets1.6803%1,493
Net interest margin3.7552%1,641
Noninterest income to average assets0.3300%2,919
Noninterest expense to average assets2.5988%2,002
Loan and lease loss provision to assets0.1800%708
Net operating income to assets1.0710%2,009
Return on assets (ROA)1.0710%1,975
Pretax return on assets1.0953%2,419
Return on Equity (ROE)11.3400%2,137
Retained earnings to average equity (ytd only)0.8438%3,867
Net charge-offs to loans-0.0954%4,487
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio66.5410%2,280
Assets per employee ($millions)6.2665%2,578
Cash dividends to net income (ytd only)*92.5566%344
Condition Ratios (%)
Loss allowance to loans0.7863%3,999
Loan loss allowance to noncurrent loans908.7079%965
Noncurrent assets plus other real estate owned to assets0.0693%3,105
Noncurrent loans to loans0.0865%3,112
Net loans and leases to total assets79.4300%710
Net loans and leases to deposits88.0687%1,427
Net loans and leases to core deposits99.8293%1,448
Total domestic deposits to total assets90.1900%712
Equity capital to assets9.4768%2,363
Core capital (leverage) ratio9.5720%3,186
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$499,231,6001,727
Average earning assets$471,692,6001,704
Average equity$47,167,2001,673
Average total loans$392,049,0001,496
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3555%1,201
Cost of funding earning assets1.5652%1,442
Net interest margin3.7903%1,620
Noninterest income to average assets0.3300%2,912
Noninterest expense to average assets2.6412%1,824
Loan and lease loss provision to assets0.1900%580
Net operating income to assets1.0592%2,188
Return on assets (ROA)1.0592%2,176
Pretax return on assets1.0893%2,595
Return on Equity (ROE)11.2200%2,320
Retained earnings to average equity (ytd only)1.2055%3,902
Net charge-offs to loans-0.1160%4,513
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio66.9850%2,148
Assets per employee ($millions)6.1440%2,617
Cash dividends to net income (ytd only)*89.2558%330
Condition Ratios (%)
Loss allowance to loans0.7591%4,054
Loan loss allowance to noncurrent loans1,107.0896%816
Noncurrent assets plus other real estate owned to assets0.0539%3,267
Noncurrent loans to loans0.0686%3,270
Net loans and leases to total assets77.9400%893
Net loans and leases to deposits86.5517%1,505
Net loans and leases to core deposits97.7206%1,461
Total domestic deposits to total assets90.0500%925
Equity capital to assets9.5383%2,076
Core capital (leverage) ratio10.0117%2,815
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$495,576,0001,740
Average earning assets$469,014,2501,712
Average equity$46,784,7501,676
Average total loans$387,211,5001,504
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1346%1,311
Cost of funding earning assets1.5011%1,240
Net interest margin3.6335%1,966
Noninterest income to average assets0.3300%2,899
Noninterest expense to average assets2.4745%2,277
Loan and lease loss provision to assets0.1900%566
Net operating income to assets1.0726%2,200
Return on assets (ROA)1.0726%2,196
Pretax return on assets1.1033%2,639
Return on Equity (ROE)11.4000%2,329
Retained earnings to average equity (ytd only)0.2878%4,024
Net charge-offs to loans-0.0896%4,493
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio65.2673%2,341
Assets per employee ($millions)5.9780%2,726
Cash dividends to net income (ytd only)*97.4755%346
Condition Ratios (%)
Loss allowance to loans0.6732%4,224
Loan loss allowance to noncurrent loans1,001.1673%958
Noncurrent assets plus other real estate owned to assets0.0524%3,257
Noncurrent loans to loans0.0672%3,218
Net loans and leases to total assets77.4400%894
Net loans and leases to deposits88.5757%1,297
Net loans and leases to core deposits98.7468%1,306
Total domestic deposits to total assets87.4300%1,792
Equity capital to assets9.4411%2,199
Core capital (leverage) ratio9.9085%2,846
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$494,878,6671,738
Average earning assets$467,921,0001,717
Average equity$46,556,6671,681
Average total loans$385,996,3331,494
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0031%1,224
Cost of funding earning assets1.2723%1,290
Net interest margin3.7309%1,828
Noninterest income to average assets0.3500%2,725
Noninterest expense to average assets2.5429%2,125
Loan and lease loss provision to assets0.1900%550
Net operating income to assets1.1214%2,161
Return on assets (ROA)1.1214%2,127
Pretax return on assets1.1480%2,582
Return on Equity (ROE)11.9400%2,230
Retained earnings to average equity (ytd only)4.1289%3,237
Net charge-offs to loans0.0062%1,727
Credit loss provision to net charge-offs3,833.3333%114
Earnings coverage of net charge-offs (x)276.1667%392
Efficiency ratio65.1515%2,306
Assets per employee ($millions)6.0706%2,702
Cash dividends to net income (ytd only)*65.4232%856
Condition Ratios (%)
Loss allowance to loans0.5595%4,400
Loan loss allowance to noncurrent loans82.9053%3,462
Noncurrent assets plus other real estate owned to assets0.5306%977
Noncurrent loans to loans0.6748%1,120
Net loans and leases to total assets78.1800%746
Net loans and leases to deposits91.6972%940
Net loans and leases to core deposits94.6555%1,351
Total domestic deposits to total assets85.2600%2,792
Equity capital to assets9.5496%2,101
Core capital (leverage) ratio9.8991%2,792
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7748%2,475
Memoranda:
Average total assets$497,218,5001,748
Average earning assets$470,346,0001,726
Average equity$46,695,0001,693
Average total loans$387,896,5001,507
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2489%1,160
Cost of funding earning assets0.4557%1,680
Net interest margin3.7932%1,171
Noninterest income to average assets0.4000%2,691
Noninterest expense to average assets2.6356%1,711
Loan and lease loss provision to assets0.2100%483
Net operating income to assets1.0893%2,224
Return on assets (ROA)1.0832%2,188
Pretax return on assets1.1233%2,699
Return on Equity (ROE)11.1900%2,409
Retained earnings to average equity (ytd only)3.3553%3,607
Net charge-offs to loans-0.0120%3,889
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio65.8013%2,262
Assets per employee ($millions)6.2064%2,586
Cash dividends to net income (ytd only)*70.0209%658
Condition Ratios (%)
Loss allowance to loans0.4982%4,432
Loan loss allowance to noncurrent loans81.5048%3,465
Noncurrent assets plus other real estate owned to assets0.4732%1,070
Noncurrent loans to loans0.6113%1,220
Net loans and leases to total assets77.0300%889
Net loans and leases to deposits92.9590%850
Net loans and leases to core deposits96.2678%1,191
Total domestic deposits to total assets82.8600%3,448
Equity capital to assets9.2363%2,203
Core capital (leverage) ratio9.7699%2,878
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$486,258,8001,754
Average earning assets$458,428,6001,731
Average equity$47,059,6001,700
Average total loans$357,130,6001,527
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0310%1,202
Cost of funding earning assets0.3223%1,940
Net interest margin3.7087%1,116
Noninterest income to average assets0.4200%2,617
Noninterest expense to average assets2.5743%1,779
Loan and lease loss provision to assets0.1800%519
Net operating income to assets1.1274%1,977
Return on assets (ROA)1.1249%1,954
Pretax return on assets1.1570%2,533
Return on Equity (ROE)11.4900%2,205
Retained earnings to average equity (ytd only)4.2442%3,362
Net charge-offs to loans-0.1150%4,528
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio65.2238%2,383
Assets per employee ($millions)5.7634%2,976
Cash dividends to net income (ytd only)*63.0531%793
Condition Ratios (%)
Loss allowance to loans0.4890%4,482
Loan loss allowance to noncurrent loans106.5230%3,320
Noncurrent assets plus other real estate owned to assets0.3547%1,528
Noncurrent loans to loans0.4590%1,654
Net loans and leases to total assets76.8900%814
Net loans and leases to deposits86.5394%1,136
Net loans and leases to core deposits90.6258%1,262
Total domestic deposits to total assets88.8400%2,156
Equity capital to assets9.5930%1,834
Core capital (leverage) ratio10.0748%2,476
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$482,143,2501,778
Average earning assets$454,265,7501,755
Average equity$47,216,2501,713
Average total loans$349,117,2501,541
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8140%1,283
Cost of funding earning assets0.3004%1,711
Net interest margin3.5136%1,282
Noninterest income to average assets0.4515%2,435
Noninterest expense to average assets2.5700%1,724
Loan and lease loss provision to assets0.1828%483
Net operating income to assets0.9660%2,288
Return on assets (ROA)0.9629%2,276
Pretax return on assets0.9990%2,742
Return on Equity (ROE)9.7653%2,419
Retained earnings to average equity (ytd only)3.0290%3,436
Net charge-offs to loans-0.1602%4,548
Credit loss provision to net charge-offs-161.1722%3,180
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.9204%2,256
Assets per employee ($millions)5.2945%3,435
Cash dividends to net income (ytd only)*68.9819%850
Condition Ratios (%)
Loss allowance to loans0.4428%4,596
Loan loss allowance to noncurrent loans167.6564%2,884
Noncurrent assets plus other real estate owned to assets0.1979%2,344
Noncurrent loans to loans0.2641%2,422
Net loans and leases to total assets74.5931%854
Net loans and leases to deposits82.8904%1,191
Net loans and leases to core deposits87.9733%1,224
Total domestic deposits to total assets89.9901%1,708
Equity capital to assets9.8540%1,797
Core capital (leverage) ratio9.9319%2,473
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$481,483,6671,789
Average earning assets$452,703,6671,777
Average equity$47,474,3331,747
Average total loans$340,806,6671,558
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5631%1,609
Cost of funding earning assets0.3130%1,534
Net interest margin3.2501%1,719
Noninterest income to average assets0.5009%2,134
Noninterest expense to average assets2.5192%1,839
Loan and lease loss provision to assets0.1818%421
Net operating income to assets0.8005%2,655
Return on assets (ROA)0.7943%2,675
Pretax return on assets0.8397%2,977
Return on Equity (ROE)8.0530%2,671
Retained earnings to average equity (ytd only)1.8938%3,576
Net charge-offs to loans-0.0156%3,784
Credit loss provision to net charge-offs-1,692.3077%3,361
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.4800%2,162
Assets per employee ($millions)5.3764%3,419
Cash dividends to net income (ytd only)*76.4828%749
Condition Ratios (%)
Loss allowance to loans0.3230%4,676
Loan loss allowance to noncurrent loans95.7391%3,424
Noncurrent assets plus other real estate owned to assets0.2351%2,235
Noncurrent loans to loans0.3374%2,275
Net loans and leases to total assets69.4390%1,069
Net loans and leases to deposits77.0809%1,356
Net loans and leases to core deposits82.3005%1,335
Total domestic deposits to total assets90.0859%1,509
Equity capital to assets9.7714%2,076
Core capital (leverage) ratio9.7091%2,583
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$483,971,0001,787
Average earning assets$453,654,0001,775
Average equity$47,734,0001,798
Average total loans$332,698,0001,580
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2789%874
Cost of funding earning assets0.6452%432
Net interest margin3.6338%1,382
Noninterest income to average assets3.6482%152
Noninterest expense to average assets2.0061%3,657
Loan and lease loss provision to assets0.0904%1,376
Net operating income to assets4.9472%44
Return on assets (ROA)4.9477%45
Pretax return on assets4.9529%57
Return on Equity (ROE)52.4384%13
Retained earnings to average equity (ytd only)44.6831%6
Net charge-offs to loans0.0167%1,958
Credit loss provision to net charge-offs720.8333%650
Earnings coverage of net charge-offs (x)402.2917%326
Efficiency ratio28.2676%4,799
Assets per employee ($millions)5.4895%3,266
Cash dividends to net income (ytd only)*14.7894%3,200
Condition Ratios (%)
Loss allowance to loans0.2674%4,741
Loan loss allowance to noncurrent loans421.3592%1,634
Noncurrent assets plus other real estate owned to assets0.0417%3,714
Noncurrent loans to loans0.0635%3,628
Net loans and leases to total assets65.5171%1,530
Net loans and leases to deposits77.3613%1,462
Net loans and leases to core deposits82.3871%1,433
Total domestic deposits to total assets84.6897%3,363
Equity capital to assets9.6468%2,995
Core capital (leverage) ratio9.4247%2,943
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$191,463,4003,121
Average earning assets$179,179,6003,101
Average equity$18,065,0003,378
Average total loans$143,708,8002,692
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3949%175
Cost of funding earning assets0.9380%112
Net interest margin4.4569%337
Noninterest income to average assets0.0587%4,786
Noninterest expense to average assets1.9041%3,936
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets2.4706%221
Return on assets (ROA)2.4590%230
Pretax return on assets2.4590%361
Return on Equity (ROE)26.7010%133
Retained earnings to average equity (ytd only)14.9131%412
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.2632%4,612
Assets per employee ($millions)9.0282%887
Cash dividends to net income (ytd only)*44.1479%1,439
Condition Ratios (%)
Loss allowance to loans0.6657%4,560
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets91.4081%13
Net loans and leases to deposits102.8827%174
Net loans and leases to core deposits109.6717%331
Total domestic deposits to total assets88.8469%1,375
Equity capital to assets9.7158%3,178
Core capital (leverage) ratio9.7020%2,814
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8552%2,994
Memoranda:
Average total assets$115,814,5003,892
Average earning assets$112,153,5003,829
Average equity$10,666,0004,124
Average total loans$98,495,7503,262
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2119%250
Cost of funding earning assets0.9561%134
Net interest margin4.2558%529
Noninterest income to average assets0.0607%4,814
Noninterest expense to average assets1.9324%3,885
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets2.2516%306
Return on assets (ROA)2.2238%345
Pretax return on assets2.2238%553
Return on Equity (ROE)24.6057%210
Retained earnings to average equity (ytd only)12.5908%793
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.8955%4,520
Assets per employee ($millions)9.4551%727
Cash dividends to net income (ytd only)*48.8300%1,278
Condition Ratios (%)
Loss allowance to loans0.7147%4,511
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets88.0311%43
Net loans and leases to deposits97.5058%334
Net loans and leases to core deposits104.6104%514
Total domestic deposits to total assets90.2830%653
Equity capital to assets9.5892%3,261
Core capital (leverage) ratio9.3478%3,075
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3815%2,886
Memoranda:
Average total assets$115,297,3333,913
Average earning assets$111,705,3333,840
Average equity$10,420,3334,159
Average total loans$95,327,3333,319
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5014%773
Cost of funding earning assets0.9798%153
Net interest margin3.5216%1,772
Noninterest income to average assets0.0551%4,839
Noninterest expense to average assets1.8689%4,058
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.6005%1,129
Return on assets (ROA)1.5695%1,238
Pretax return on assets1.5695%1,804
Return on Equity (ROE)17.8990%743
Retained earnings to average equity (ytd only)-1.2168%4,485
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.5714%3,836
Assets per employee ($millions)8.7547%900
Cash dividends to net income (ytd only)*106.7982%375
Condition Ratios (%)
Loss allowance to loans0.7712%4,454
Loan loss allowance to noncurrent loans144.9597%2,823
Noncurrent assets plus other real estate owned to assets0.4358%2,089
Noncurrent loans to loans0.5320%2,259
Net loans and leases to total assets81.2848%261
Net loans and leases to deposits89.3956%735
Net loans and leases to core deposits95.8177%893
Total domestic deposits to total assets90.9271%429
Equity capital to assets8.9306%3,752
Core capital (leverage) ratio8.4265%4,193
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5800%2,796
Memoranda:
Average total assets$116,215,5003,903
Average earning assets$112,675,0003,830
Average equity$10,190,5004,193
Average total loans$92,691,0003,370
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0677%85
Cost of funding earning assets1.3583%145
Net interest margin4.7095%212
Noninterest income to average assets0.0205%4,919
Noninterest expense to average assets1.7340%4,568
Loan and lease loss provision to assets0.1537%2,452
Net operating income to assets2.6752%120
Return on assets (ROA)2.6778%124
Pretax return on assets2.6778%156
Return on Equity (ROE)34.0876%50
Retained earnings to average equity (ytd only)31.7401%25
Net charge-offs to loans-0.1706%4,876
Credit loss provision to net charge-offs-112.1495%3,743
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.8614%4,915
Assets per employee ($millions)9.8850%553
Cash dividends to net income (ytd only)*6.8867%3,618
Condition Ratios (%)
Loss allowance to loans0.7802%4,460
Loan loss allowance to noncurrent loans63.5159%3,829
Noncurrent assets plus other real estate owned to assets0.9543%1,012
Noncurrent loans to loans1.2284%1,136
Net loans and leases to total assets77.0806%690
Net loans and leases to deposits89.4062%970
Net loans and leases to core deposits94.8928%1,188
Total domestic deposits to total assets86.2140%2,270
Equity capital to assets8.6132%4,362
Core capital (leverage) ratio8.3332%4,377
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5236%2,798
Memoranda:
Average total assets$78,086,2004,266
Average earning assets$75,316,4004,218
Average equity$6,134,2004,632
Average total loans$62,733,6003,872
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0608%2,789
Cost of funding earning assets1.3305%214
Net interest margin2.7303%4,425
Noninterest income to average assets0.0137%4,964
Noninterest expense to average assets1.4461%4,842
Loan and lease loss provision to assets0.0692%3,464
Net operating income to assets1.1282%1,886
Return on assets (ROA)1.1321%1,995
Pretax return on assets1.1321%2,635
Return on Equity (ROE)15.0448%683
Retained earnings to average equity (ytd only)15.0448%198
Net charge-offs to loans0.0048%2,970
Credit loss provision to net charge-offs1,750.0000%540
Earnings coverage of net charge-offs (x)305.0000%353
Efficiency ratio54.7142%4,071
Assets per employee ($millions)12.7741%278
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.5777%4,753
Loan loss allowance to noncurrent loans37.3845%4,219
Noncurrent assets plus other real estate owned to assets1.2238%808
Noncurrent loans to loans1.5454%917
Net loans and leases to total assets78.7356%746
Net loans and leases to deposits90.5173%1,222
Net loans and leases to core deposits97.2884%1,357
Total domestic deposits to total assets86.9841%1,677
Equity capital to assets7.6665%4,818
Core capital (leverage) ratio7.7592%4,798
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.9687%3,096
Memoranda:
Average total assets$67,952,7504,422
Average earning assets$65,437,0004,375
Average equity$5,113,5004,760
Average total loans$55,379,0004,014
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5604%1,757
Cost of funding earning assets1.7032%76
Net interest margin2.8572%4,376
Noninterest income to average assets1.0176%951
Noninterest expense to average assets1.7712%4,599
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets2.0313%312
Return on assets (ROA)2.0313%347
Pretax return on assets1.9931%554
Return on Equity (ROE)27.3711%85
Retained earnings to average equity (ytd only)27.3711%36
Net charge-offs to loans0.0092%2,612
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)260.5000%359
Efficiency ratio46.8496%4,682
Assets per employee ($millions)10.9380%391
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.0818%3,162
Loan loss allowance to noncurrent loans65.9060%3,792
Noncurrent assets plus other real estate owned to assets1.3622%733
Noncurrent loans to loans1.6415%893
Net loans and leases to total assets82.0900%405
Net loans and leases to deposits93.2012%1,029
Net loans and leases to core deposits106.5630%873
Total domestic deposits to total assets88.0783%1,132
Equity capital to assets8.0490%4,694
Core capital (leverage) ratio8.0701%4,709
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.0998%3,153
Memoranda:
Average total assets$52,281,3334,656
Average earning assets$50,259,0004,615
Average equity$3,880,0004,908
Average total loans$43,490,0004,279
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6821%1,764
Cost of funding earning assets1.7629%102
Net interest margin2.9191%4,404
Noninterest income to average assets0.0157%5,031
Noninterest expense to average assets1.7151%4,759
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.2060%1,496
Return on assets (ROA)1.2060%1,609
Pretax return on assets1.0886%2,560
Return on Equity (ROE)17.0213%337
Retained earnings to average equity (ytd only)17.0213%112
Net charge-offs to loans0.0188%1,993
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)69.5000%729
Efficiency ratio60.6145%3,661
Assets per employee ($millions)10.2064%364
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1574%2,898
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets82.1641%423
Net loans and leases to deposits89.1596%1,614
Net loans and leases to core deposits101.9946%1,321
Total domestic deposits to total assets92.1539%29
Equity capital to assets7.6697%5,018
Core capital (leverage) ratio7.8048%5,007
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.6049%3,370
Memoranda:
Average total assets$51,077,0004,696
Average earning assets$48,782,0004,658
Average equity$3,619,0004,969
Average total loans$42,542,0004,316
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1527%1,102
Cost of funding earning assets1.6657%221
Net interest margin3.4871%3,490
Noninterest income to average assets0.0166%5,100
Noninterest expense to average assets1.6622%4,909
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.6643%719
Return on assets (ROA)1.6643%764
Pretax return on assets1.6996%1,187
Return on Equity (ROE)19.4208%245
Retained earnings to average equity (ytd only)-1.8888%4,867
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.0864%4,830
Assets per employee ($millions)10.3870%331
Cash dividends to net income (ytd only)*109.7257%224
Condition Ratios (%)
Loss allowance to loans1.1325%2,775
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets82.7015%465
Net loans and leases to deposits90.0195%1,589
Net loans and leases to core deposits102.9087%1,322
Total domestic deposits to total assets91.8706%46
Equity capital to assets7.9657%5,061
Core capital (leverage) ratio8.1232%5,000
Tier 1 risk-based capital ratio9.5517%5,155
Total risk-based capital ratio10.7047%5,143
Memoranda:
Average total assets$48,188,4004,781
Average earning assets$46,228,0004,748
Average equity$4,129,6004,978
Average total loans$42,787,6004,344
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1959%1,048
Cost of funding earning assets1.6213%271
Net interest margin3.5745%3,316
Noninterest income to average assets0.0169%5,177
Noninterest expense to average assets1.5858%5,016
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.8228%586
Return on assets (ROA)1.8228%619
Pretax return on assets1.8651%947
Return on Equity (ROE)20.8663%201
Retained earnings to average equity (ytd only)-6.7187%5,102
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.3990%4,997
Assets per employee ($millions)9.7432%376
Cash dividends to net income (ytd only)*132.1986%154
Condition Ratios (%)
Loss allowance to loans1.1681%2,666
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets85.4463%227
Net loans and leases to deposits93.3444%1,286
Net loans and leases to core deposits106.5339%1,147
Total domestic deposits to total assets91.5387%57
Equity capital to assets8.2334%5,082
Core capital (leverage) ratio8.3545%5,006
Tier 1 risk-based capital ratio9.5954%5,228
Total risk-based capital ratio10.7918%5,208
Memoranda:
Average total assets$47,251,7504,865
Average earning assets$45,394,0004,825
Average equity$4,127,7505,049
Average total loans$42,623,7504,401
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1237%1,163
Cost of funding earning assets1.5639%309
Net interest margin3.5599%3,402
Noninterest income to average assets0.0128%5,232
Noninterest expense to average assets1.5739%5,075
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.8134%574
Return on assets (ROA)1.8134%597
Pretax return on assets1.8561%926
Return on Equity (ROE)20.3520%233
Retained earnings to average equity (ytd only)1.2960%4,354
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.5162%5,081
Assets per employee ($millions)11.8513%216
Cash dividends to net income (ytd only)*93.6321%542
Condition Ratios (%)
Loss allowance to loans1.1257%2,931
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets91.1613%35
Net loans and leases to deposits102.6875%497
Net loans and leases to core deposits118.1222%595
Total domestic deposits to total assets88.7754%754
Equity capital to assets8.9168%4,842
Core capital (leverage) ratio9.0927%4,558
Tier 1 risk-based capital ratio10.0379%5,222
Total risk-based capital ratio11.2194%5,175
Memoranda:
Average total assets$46,763,6704,915
Average earning assets$44,889,0004,875
Average equity$4,166,6705,080
Average total loans$42,792,3304,427
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0325%1,257
Cost of funding earning assets1.4686%363
Net interest margin3.5640%3,386
Noninterest income to average assets0.0172%5,282
Noninterest expense to average assets1.5675%5,124
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.8345%523
Return on assets (ROA)1.8345%537
Pretax return on assets1.8776%833
Return on Equity (ROE)20.5971%233
Retained earnings to average equity (ytd only)-0.7736%4,623
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.7500%5,141
Assets per employee ($millions)11.3548%240
Cash dividends to net income (ytd only)*103.7559%582
Condition Ratios (%)
Loss allowance to loans1.1784%2,697
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,905
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets90.8408%38
Net loans and leases to deposits100.2040%620
Net loans and leases to core deposits114.7805%696
Total domestic deposits to total assets90.6559%241
Equity capital to assets9.1548%4,573
Core capital (leverage) ratio9.1801%4,493
Tier 1 risk-based capital ratio10.3684%5,203
Total risk-based capital ratio11.5988%5,140
Memoranda:
Average total assets$46,443,0004,970
Average earning assets$44,669,5004,930
Average equity$4,136,5005,132
Average total loans$42,335,0004,483
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0565%937
Cost of funding earning assets1.4072%137
Net interest margin3.6493%3,225
Noninterest income to average assets0.0358%5,296
Noninterest expense to average assets1.5280%5,207
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.8885%461
Return on assets (ROA)1.8885%457
Pretax return on assets1.9348%656
Return on Equity (ROE)22.2897%146
Retained earnings to average equity (ytd only)4.4032%3,112
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.5703%5,252
Assets per employee ($millions)11.8668%208
Cash dividends to net income (ytd only)*80.2455%702
Condition Ratios (%)
Loss allowance to loans1.1463%2,847
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets89.3821%72
Net loans and leases to deposits98.0065%904
Net loans and leases to core deposits111.4096%912
Total domestic deposits to total assets91.2002%165
Equity capital to assets8.6692%4,829
Core capital (leverage) ratio8.7809%4,823
Tier 1 risk-based capital ratio9.9461%5,319
Total risk-based capital ratio11.1241%5,293
Memoranda:
Average total assets$47,446,2004,986
Average earning assets$44,556,6004,964
Average equity$4,019,8005,175
Average total loans$43,415,0004,463
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0443%855
Cost of funding earning assets1.3590%124
Net interest margin3.6853%3,071
Noninterest income to average assets0.0422%5,358
Noninterest expense to average assets1.4980%5,278
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.9336%446
Return on assets (ROA)1.9336%447
Pretax return on assets1.9814%650
Return on Equity (ROE)22.9557%133
Retained earnings to average equity (ytd only)3.5701%3,983
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.3877%5,323
Assets per employee ($millions)11.5798%218
Cash dividends to net income (ytd only)*84.4480%487
Condition Ratios (%)
Loss allowance to loans1.1629%2,831
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets90.2804%64
Net loans and leases to deposits99.0924%854
Net loans and leases to core deposits116.1196%708
Total domestic deposits to total assets91.1073%193
Equity capital to assets8.6833%4,809
Core capital (leverage) ratio8.8598%4,840
Tier 1 risk-based capital ratio10.0403%5,373
Total risk-based capital ratio11.2499%5,332
Memoranda:
Average total assets$47,441,0005,040
Average earning assets$44,246,7505,024
Average equity$3,996,0005,242
Average total loans$43,539,0004,512
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9658%881
Cost of funding earning assets1.2582%145
Net interest margin3.7076%2,895
Noninterest income to average assets0.0544%5,394
Noninterest expense to average assets1.4849%5,352
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.9868%390
Return on assets (ROA)1.9868%386
Pretax return on assets2.0328%565
Return on Equity (ROE)23.8255%114
Retained earnings to average equity (ytd only)2.8089%4,131
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.5957%5,410
Assets per employee ($millions)11.4803%218
Cash dividends to net income (ytd only)*88.2105%545
Condition Ratios (%)
Loss allowance to loans1.1604%2,932
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets91.2567%45
Net loans and leases to deposits100.1458%797
Net loans and leases to core deposits111.2332%921
Total domestic deposits to total assets91.1239%220
Equity capital to assets8.7063%4,797
Core capital (leverage) ratio9.0369%4,662
Tier 1 risk-based capital ratio9.9674%5,439
Total risk-based capital ratio11.1833%5,393
Memoranda:
Average total assets$47,815,0005,090
Average earning assets$44,665,3305,075
Average equity$3,987,3305,298
Average total loans$43,949,0004,544
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9555%769
Cost of funding earning assets1.1266%196
Net interest margin3.8288%2,308
Noninterest income to average assets0.0082%5,550
Noninterest expense to average assets1.5094%5,384
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets2.0180%359
Return on assets (ROA)2.0180%359
Pretax return on assets2.0672%508
Return on Equity (ROE)24.7112%89
Retained earnings to average equity (ytd only)5.5249%2,938
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.6789%5,463
Assets per employee ($millions)11.8628%200
Cash dividends to net income (ytd only)*77.6423%875
Condition Ratios (%)
Loss allowance to loans1.1394%3,148
Loan loss allowance to noncurrent loans647.3684%870
Noncurrent assets plus other real estate owned to assets0.1602%4,281
Noncurrent loans to loans0.1760%4,189
Net loans and leases to total assets89.9602%63
Net loans and leases to deposits103.1336%527
Net loans and leases to core deposits112.5682%862
Total domestic deposits to total assets87.2268%2,028
Equity capital to assets8.4150%5,038
Core capital (leverage) ratio8.4121%5,193
Tier 1 risk-based capital ratio9.8105%5,532
Total risk-based capital ratio11.0076%5,508
Memoranda:
Average total assets$48,762,0005,130
Average earning assets$45,444,5005,122
Average equity$3,982,0005,357
Average total loans$44,724,5004,573
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7997%976
Cost of funding earning assets1.0048%207
Net interest margin3.7949%2,444
Noninterest income to average assets0.0155%5,590
Noninterest expense to average assets1.6167%5,402
Loan and lease loss provision to assets0.0553%3,125
Net operating income to assets1.8868%349
Return on assets (ROA)1.8976%352
Pretax return on assets1.9462%550
Return on Equity (ROE)22.5481%111
Retained earnings to average equity (ytd only)5.9918%1,546
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.8952%5,513
Assets per employee ($millions)12.5183%161
Cash dividends to net income (ytd only)*73.4266%1,093
Condition Ratios (%)
Loss allowance to loans1.0633%3,526
Loan loss allowance to noncurrent loans638.9610%904
Noncurrent assets plus other real estate owned to assets0.1538%4,365
Noncurrent loans to loans0.1664%4,260
Net loans and leases to total assets91.4225%44
Net loans and leases to deposits109.5561%281
Net loans and leases to core deposits119.4687%604
Total domestic deposits to total assets83.4482%3,403
Equity capital to assets7.9304%5,419
Core capital (leverage) ratio8.4407%5,185
Tier 1 risk-based capital ratio9.0739%5,632
Total risk-based capital ratio10.1964%5,629
Memoranda:
Average total assets$45,215,8005,249
Average earning assets$42,794,2005,214
Average equity$3,805,2005,448
Average total loans$41,918,8004,668
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7434%1,050
Cost of funding earning assets1.0062%189
Net interest margin3.7372%2,629
Noninterest income to average assets0.0152%5,660
Noninterest expense to average assets1.6211%5,434
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.8911%394
Return on assets (ROA)1.9060%390
Pretax return on assets1.9544%600
Return on Equity (ROE)22.2823%133
Retained earnings to average equity (ytd only)5.0657%2,846
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.9362%5,559
Assets per employee ($millions)11.3418%211
Cash dividends to net income (ytd only)*77.2647%728
Condition Ratios (%)
Loss allowance to loans1.0777%3,616
Loan loss allowance to noncurrent loans598.7179%893
Noncurrent assets plus other real estate owned to assets0.1719%4,416
Noncurrent loans to loans0.1800%4,345
Net loans and leases to total assets94.4872%5
Net loans and leases to deposits106.7593%380
Net loans and leases to core deposits111.0259%978
Total domestic deposits to total assets88.5049%1,119
Equity capital to assets8.5657%5,245
Core capital (leverage) ratio8.8804%4,888
Tier 1 risk-based capital ratio9.4139%5,678
Total risk-based capital ratio10.5435%5,677
Memoranda:
Average total assets$44,001,5005,333
Average earning assets$41,741,2505,293
Average equity$3,763,7505,512
Average total loans$40,831,0004,753
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7806%895
Cost of funding earning assets1.0157%165
Net interest margin3.7649%2,426
Noninterest income to average assets0.0138%5,707
Noninterest expense to average assets1.6442%5,463
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.8601%402
Return on assets (ROA)1.8601%413
Pretax return on assets1.9106%631
Return on Equity (ROE)21.7566%147
Retained earnings to average equity (ytd only)3.8678%3,392
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.4729%5,590
Assets per employee ($millions)10.9458%227
Cash dividends to net income (ytd only)*82.2222%800
Condition Ratios (%)
Loss allowance to loans1.1783%3,145
Loan loss allowance to noncurrent loans576.5432%914
Noncurrent assets plus other real estate owned to assets0.1850%4,436
Noncurrent loans to loans0.2044%4,302
Net loans and leases to total assets89.4525%94
Net loans and leases to deposits98.1800%879
Net loans and leases to core deposits102.1305%1,498
Total domestic deposits to total assets91.1107%197
Equity capital to assets8.7089%5,134
Core capital (leverage) ratio8.8302%4,915
Tier 1 risk-based capital ratio10.0584%5,611
Total risk-based capital ratio11.2878%5,569
Memoranda:
Average total assets$43,546,3305,379
Average earning assets$40,957,0005,351
Average equity$3,723,0005,559
Average total loans$39,997,0004,808
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7391%865
Cost of funding earning assets1.0003%165
Net interest margin3.7388%2,362
Noninterest income to average assets0.0092%5,795
Noninterest expense to average assets1.6027%5,554
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.8974%369
Return on assets (ROA)1.8974%382
Pretax return on assets1.9527%555
Return on Equity (ROE)22.4035%139
Retained earnings to average equity (ytd only)1.4138%4,537
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.1554%5,695
Assets per employee ($millions)10.7770%237
Cash dividends to net income (ytd only)*93.6893%777
Condition Ratios (%)
Loss allowance to loans1.2008%3,132
Loan loss allowance to noncurrent loans697.0149%800
Noncurrent assets plus other real estate owned to assets0.1554%4,635
Noncurrent loans to loans0.1723%4,502
Net loans and leases to total assets89.1319%77
Net loans and leases to deposits97.6541%799
Net loans and leases to core deposits101.6401%1,393
Total domestic deposits to total assets91.2731%218
Equity capital to assets8.5576%5,196
Core capital (leverage) ratio8.6340%5,117
Tier 1 risk-based capital ratio10.1547%5,665
Total risk-based capital ratio11.4044%5,615
Memoranda:
Average total assets$43,428,0005,436
Average earning assets$41,189,5005,402
Average equity$3,678,0005,623
Average total loans$40,179,5004,844
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6867%1,086
Cost of funding earning assets1.0209%152
Net interest margin3.6658%2,836
Noninterest income to average assets0.0205%5,824
Noninterest expense to average assets1.6620%5,594
Loan and lease loss provision to assets0.0547%3,283
Net operating income to assets1.7846%460
Return on assets (ROA)1.9812%348
Pretax return on assets2.0245%469
Return on Equity (ROE)23.6940%99
Retained earnings to average equity (ytd only)5.5077%2,009
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.9833%5,747
Assets per employee ($millions)10.9370%232
Cash dividends to net income (ytd only)*76.7549%1,033
Condition Ratios (%)
Loss allowance to loans1.1261%3,564
Loan loss allowance to noncurrent loans530.6818%1,019
Noncurrent assets plus other real estate owned to assets0.2012%4,520
Noncurrent loans to loans0.2122%4,389
Net loans and leases to total assets93.7231%13
Net loans and leases to deposits107.5293%288
Net loans and leases to core deposits112.0641%783
Total domestic deposits to total assets87.1606%2,051
Equity capital to assets8.3821%5,360
Core capital (leverage) ratio8.7557%5,018
Tier 1 risk-based capital ratio9.5416%5,812
Total risk-based capital ratio10.7302%5,811
Memoranda:
Average total assets$43,862,8005,471
Average earning assets$42,119,4005,417
Average equity$3,667,6005,681
Average total loans$40,203,2004,874
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6753%1,123
Cost of funding earning assets1.0294%145
Net interest margin3.6459%2,906
Noninterest income to average assets0.0182%5,899
Noninterest expense to average assets1.6404%5,657
Loan and lease loss provision to assets0.0729%2,756
Net operating income to assets1.7642%525
Return on assets (ROA)2.0262%340
Pretax return on assets2.0687%494
Return on Equity (ROE)24.2467%94
Retained earnings to average equity (ytd only)5.1620%2,716
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.5730%5,795
Assets per employee ($millions)10.8270%230
Cash dividends to net income (ytd only)*78.7105%778
Condition Ratios (%)
Loss allowance to loans1.1729%3,411
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,556
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets90.8608%53
Net loans and leases to deposits99.6329%727
Net loans and leases to core deposits103.6836%1,366
Total domestic deposits to total assets91.1956%159
Equity capital to assets8.5850%5,485
Core capital (leverage) ratio8.2038%5,574
Tier 1 risk-based capital ratio9.8507%5,826
Total risk-based capital ratio11.0978%5,799
Memoranda:
Average total assets$43,891,5005,523
Average earning assets$42,092,5005,478
Average equity$3,667,7505,743
Average total loans$39,886,7504,925
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6650%1,133
Cost of funding earning assets1.0034%167
Net interest margin3.6616%2,852
Noninterest income to average assets0.0136%5,978
Noninterest expense to average assets1.5969%5,765
Loan and lease loss provision to assets0.1089%2,049
Net operating income to assets1.7665%506
Return on assets (ROA)2.0732%309
Pretax return on assets2.1140%457
Return on Equity (ROE)25.0342%90
Retained earnings to average equity (ytd only)7.0666%1,569
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.3622%5,898
Assets per employee ($millions)11.0435%202
Cash dividends to net income (ytd only)*71.7724%1,124
Condition Ratios (%)
Loss allowance to loans1.1927%3,407
Loan loss allowance to noncurrent loans1,167.5000%520
Noncurrent assets plus other real estate owned to assets0.0906%5,160
Noncurrent loans to loans0.1022%5,037
Net loans and leases to total assets87.5832%160
Net loans and leases to deposits95.8740%1,093
Net loans and leases to core deposits105.1017%1,249
Total domestic deposits to total assets91.3524%133
Equity capital to assets8.4575%5,621
Core capital (leverage) ratio8.5811%5,283
Tier 1 risk-based capital ratio9.9650%5,869
Total risk-based capital ratio11.2127%5,811
Memoranda:
Average total assets$44,086,0005,581
Average earning assets$42,057,6705,542
Average equity$3,651,0005,813
Average total loans$39,910,0004,974
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7398%974
Cost of funding earning assets1.0308%138
Net interest margin3.7090%2,632
Noninterest income to average assets0.0182%6,039
Noninterest expense to average assets1.5985%5,831
Loan and lease loss provision to assets0.1635%1,265
Net operating income to assets1.7075%569
Return on assets (ROA)1.7075%608
Pretax return on assets1.7529%938
Return on Equity (ROE)20.8397%199
Retained earnings to average equity (ytd only)-0.8868%5,267
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.8269%5,949
Assets per employee ($millions)10.8910%214
Cash dividends to net income (ytd only)*104.2553%661
Condition Ratios (%)
Loss allowance to loans1.1381%3,848
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,696
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets91.9199%34
Net loans and leases to deposits100.4364%593
Net loans and leases to core deposits110.3688%835
Total domestic deposits to total assets91.5205%153
Equity capital to assets8.2981%5,696
Core capital (leverage) ratio8.2227%5,637
Tier 1 risk-based capital ratio9.3099%6,031
Total risk-based capital ratio10.5237%6,025
Memoranda:
Average total assets$44,042,0005,635
Average earning assets$41,521,0005,601
Average equity$3,608,5005,870
Average total loans$40,287,0004,999
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8919%784
Cost of funding earning assets0.9882%185
Net interest margin3.9037%2,015
Noninterest income to average assets0.0246%6,059
Noninterest expense to average assets1.7397%5,813
Loan and lease loss provision to assets0.1622%1,419
Net operating income to assets1.8014%485
Return on assets (ROA)1.8110%485
Pretax return on assets1.8503%724
Return on Equity (ROE)21.8980%180
Retained earnings to average equity (ytd only)4.1597%3,038
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.3506%6,018
Assets per employee ($millions)11.1300%191
Cash dividends to net income (ytd only)*81.0041%857
Condition Ratios (%)
Loss allowance to loans1.1056%4,022
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,750
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets89.0072%93
Net loans and leases to deposits96.9989%909
Net loans and leases to core deposits106.3386%1,082
Total domestic deposits to total assets91.7610%135
Equity capital to assets8.0907%5,818
Core capital (leverage) ratio8.2611%5,636
Tier 1 risk-based capital ratio9.3670%6,065
Total risk-based capital ratio10.5379%6,069
Memoranda:
Average total assets$40,695,6005,748
Average earning assets$38,758,0005,709
Average equity$3,365,6005,941
Average total loans$37,397,2005,105
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8755%809
Cost of funding earning assets0.9583%214
Net interest margin3.9172%1,975
Noninterest income to average assets0.0235%6,151
Noninterest expense to average assets1.7379%5,867
Loan and lease loss provision to assets0.2214%846
Net operating income to assets1.7824%542
Return on assets (ROA)1.8218%518
Pretax return on assets1.8621%780
Return on Equity (ROE)21.8957%193
Retained earnings to average equity (ytd only)3.7502%3,807
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.0586%6,090
Assets per employee ($millions)10.5733%221
Cash dividends to net income (ytd only)*82.8738%675
Condition Ratios (%)
Loss allowance to loans1.1177%4,126
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets92.6678%19
Net loans and leases to deposits106.0390%363
Net loans and leases to core deposits118.3333%520
Total domestic deposits to total assets87.3903%1,850
Equity capital to assets8.3655%5,790
Core capital (leverage) ratio8.2321%5,753
Tier 1 risk-based capital ratio9.5686%6,133
Total risk-based capital ratio10.7811%6,112
Memoranda:
Average total assets$39,739,5005,843
Average earning assets$38,121,7505,805
Average equity$3,306,5006,033
Average total loans$36,729,2505,188
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7873%914
Cost of funding earning assets0.9241%255
Net interest margin3.8631%2,092
Noninterest income to average assets0.0206%6,229
Noninterest expense to average assets1.7537%5,919
Loan and lease loss provision to assets0.1851%1,094
Net operating income to assets1.7395%580
Return on assets (ROA)1.8000%538
Pretax return on assets1.8412%827
Return on Equity (ROE)21.6763%206
Retained earnings to average equity (ytd only)3.2824%3,962
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.5685%6,130
Assets per employee ($millions)10.4790%229
Cash dividends to net income (ytd only)*84.8571%822
Condition Ratios (%)
Loss allowance to loans1.0780%4,450
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets90.4189%54
Net loans and leases to deposits114.3633%171
Net loans and leases to core deposits121.0863%439
Total domestic deposits to total assets79.0629%5,088
Equity capital to assets8.3333%5,808
Core capital (leverage) ratio9.1079%4,810
Tier 1 risk-based capital ratio9.6611%6,172
Total risk-based capital ratio10.8159%6,164
Memoranda:
Average total assets$38,888,3305,926
Average earning assets$37,223,6705,881
Average equity$3,229,3306,105
Average total loans$35,760,6705,268
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8631%763
Cost of funding earning assets0.9215%258
Net interest margin3.9415%1,738
Noninterest income to average assets0.0214%6,290
Noninterest expense to average assets1.7124%5,998
Loan and lease loss provision to assets0.1926%975
Net operating income to assets1.8729%425
Return on assets (ROA)1.8729%451
Pretax return on assets1.9157%696
Return on Equity (ROE)22.5989%162
Retained earnings to average equity (ytd only)1.1622%5,021
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.0168%6,232
Assets per employee ($millions)9.0365%360
Cash dividends to net income (ytd only)*94.8571%758
Condition Ratios (%)
Loss allowance to loans1.1867%4,054
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets90.9921%42
Net loans and leases to deposits103.2653%402
Net loans and leases to core deposits110.5732%719
Total domestic deposits to total assets88.1149%1,753
Equity capital to assets8.6178%5,643
Core capital (leverage) ratio8.1828%5,820
Tier 1 risk-based capital ratio9.6574%6,244
Total risk-based capital ratio10.9068%6,215
Memoranda:
Average total assets$37,374,5006,021
Average earning assets$36,026,5005,963
Average equity$3,097,5006,193
Average total loans$34,484,5005,349
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6928%1,327
Cost of funding earning assets0.7956%664
Net interest margin3.8972%2,253
Noninterest income to average assets0.0224%6,355
Noninterest expense to average assets1.8556%5,999
Loan and lease loss provision to assets0.2096%1,193
Net operating income to assets1.6907%588
Return on assets (ROA)1.6907%610
Pretax return on assets1.7355%918
Return on Equity (ROE)20.5587%220
Retained earnings to average equity (ytd only)5.9807%1,940
Net charge-offs to loans0.2327%1,813
Credit loss provision to net charge-offs102.7397%2,329
Earnings coverage of net charge-offs (x)9.5342%2,736
Efficiency ratio45.9559%6,267
Assets per employee ($millions)7.7206%600
Cash dividends to net income (ytd only)*70.9091%1,255
Condition Ratios (%)
Loss allowance to loans1.0565%4,780
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets91.4618%37
Net loans and leases to deposits114.3991%158
Net loans and leases to core deposits122.7685%341
Total domestic deposits to total assets79.9497%5,033
Equity capital to assets7.9787%6,079
Core capital (leverage) ratio8.3616%5,710
Tier 1 risk-based capital ratio8.9664%6,408
Total risk-based capital ratio10.0890%6,415
Memoranda:
Average total assets$35,783,0006,137
Average earning assets$34,691,6006,072
Average equity$2,942,8006,283
Average total loans$31,366,4005,515
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6812%1,351
Cost of funding earning assets0.8155%632
Net interest margin3.8657%2,369
Noninterest income to average assets0.0228%6,435
Noninterest expense to average assets1.8701%5,995
Loan and lease loss provision to assets0.2851%710
Net operating income to assets1.5698%811
Return on assets (ROA)1.5698%843
Pretax return on assets1.6154%1,277
Return on Equity (ROE)18.9324%355
Retained earnings to average equity (ytd only)4.5384%3,415
Net charge-offs to loans0.3258%1,230
Credit loss provision to net charge-offs101.3514%2,181
Earnings coverage of net charge-offs (x)6.7570%3,033
Efficiency ratio46.6734%6,258
Assets per employee ($millions)8.5833%401
Cash dividends to net income (ytd only)*76.0301%837
Condition Ratios (%)
Loss allowance to loans1.2082%4,178
Loan loss allowance to noncurrent loans138.2353%2,915
Noncurrent assets plus other real estate owned to assets0.7922%3,447
Noncurrent loans to loans0.8740%3,382
Net loans and leases to total assets89.5465%67
Net loans and leases to deposits107.3276%280
Net loans and leases to core deposits115.8315%515
Total domestic deposits to total assets83.4328%3,981
Equity capital to assets8.7263%5,623
Core capital (leverage) ratio8.7739%5,368
Tier 1 risk-based capital ratio9.9824%6,354
Total risk-based capital ratio11.2315%6,314
Memoranda:
Average total assets$35,078,0006,228
Average earning assets$34,007,2506,165
Average equity$2,908,5006,360
Average total loans$30,287,0005,608
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6259%1,459
Cost of funding earning assets0.8119%663
Net interest margin3.8141%2,516
Noninterest income to average assets0.0226%6,505
Noninterest expense to average assets1.9306%5,949
Loan and lease loss provision to assets0.3227%586
Net operating income to assets1.4210%1,018
Return on assets (ROA)1.4210%1,057
Pretax return on assets1.4663%1,649
Return on Equity (ROE)17.4346%511
Retained earnings to average equity (ytd only)4.0287%3,616
Net charge-offs to loans0.5132%792
Credit loss provision to net charge-offs74.0260%2,402
Earnings coverage of net charge-offs (x)4.1039%3,173
Efficiency ratio49.0107%6,221
Assets per employee ($millions)6.8604%852
Cash dividends to net income (ytd only)*76.8924%981
Condition Ratios (%)
Loss allowance to loans1.2252%4,308
Loan loss allowance to noncurrent loans130.5147%3,003
Noncurrent assets plus other real estate owned to assets0.7930%3,587
Noncurrent loans to loans0.9388%3,368
Net loans and leases to total assets83.4325%342
Net loans and leases to deposits91.4900%1,218
Net loans and leases to core deposits98.0808%1,435
Total domestic deposits to total assets91.1929%345
Equity capital to assets8.6001%5,717
Core capital (leverage) ratio8.5274%5,611
Tier 1 risk-based capital ratio10.6124%6,215
Total risk-based capital ratio11.8641%6,156
Memoranda:
Average total assets$35,326,3306,284
Average earning assets$34,241,6706,220
Average equity$2,879,3306,418
Average total loans$30,009,3305,656
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6119%1,474
Cost of funding earning assets0.8071%724
Net interest margin3.8049%2,453
Noninterest income to average assets0.0223%6,561
Noninterest expense to average assets1.9532%5,973
Loan and lease loss provision to assets0.4353%371
Net operating income to assets1.2724%1,290
Return on assets (ROA)1.2724%1,341
Pretax return on assets1.3170%2,040
Return on Equity (ROE)16.0338%636
Retained earnings to average equity (ytd only)-0.8439%5,700
Net charge-offs to loans1.0089%332
Credit loss provision to net charge-offs50.6494%2,195
Earnings coverage of net charge-offs (x)2.0390%2,962
Efficiency ratio49.6988%6,273
Assets per employee ($millions)6.9458%824
Cash dividends to net income (ytd only)*105.2632%620
Condition Ratios (%)
Loss allowance to loans1.1570%4,835
Loan loss allowance to noncurrent loans123.8971%3,071
Noncurrent assets plus other real estate owned to assets0.7832%3,784
Noncurrent loans to loans0.9338%3,552
Net loans and leases to total assets82.8990%302
Net loans and leases to deposits90.5688%1,085
Net loans and leases to core deposits96.9785%1,313
Total domestic deposits to total assets91.5316%369
Equity capital to assets8.2381%5,880
Core capital (leverage) ratio8.1453%5,998
Tier 1 risk-based capital ratio10.5674%6,312
Total risk-based capital ratio11.8196%6,279
Memoranda:
Average total assets$35,838,5006,335
Average earning assets$34,692,5006,266
Average equity$2,844,0006,482
Average total loans$30,527,0005,696
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9673%978
Cost of funding earning assets0.9952%452
Net interest margin3.9721%2,029
Noninterest income to average assets0.0248%6,604
Noninterest expense to average assets1.8279%6,278
Loan and lease loss provision to assets0.5258%520
Net operating income to assets1.4819%854
Return on assets (ROA)1.5251%819
Pretax return on assets1.5608%1,267
Return on Equity (ROE)19.6901%299
Retained earnings to average equity (ytd only)3.4475%3,780
Net charge-offs to loans0.4966%1,334
Credit loss provision to net charge-offs122.4359%1,938
Earnings coverage of net charge-offs (x)4.7564%3,470
Efficiency ratio44.0967%6,616
Assets per employee ($millions)9.2370%303
Cash dividends to net income (ytd only)*82.4910%836
Condition Ratios (%)
Loss allowance to loans1.1746%4,787
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,461
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets85.3957%185
Net loans and leases to deposits92.6338%994
Net loans and leases to core deposits98.7203%1,257
Total domestic deposits to total assets92.1863%250
Equity capital to assets7.6513%6,209
Core capital (leverage) ratio8.0067%6,127
Tier 1 risk-based capital ratio9.5889%6,592
Total risk-based capital ratio10.8405%6,571
Memoranda:
Average total assets$36,326,4006,383
Average earning assets$35,170,2006,314
Average equity$2,813,6006,569
Average total loans$31,413,2005,692
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0016%940
Cost of funding earning assets1.0201%446
Net interest margin3.9815%2,006
Noninterest income to average assets0.0295%6,677
Noninterest expense to average assets1.6882%6,480
Loan and lease loss provision to assets0.6377%361
Net operating income to assets1.5272%858
Return on assets (ROA)1.5813%821
Pretax return on assets1.6145%1,309
Return on Equity (ROE)20.3537%282
Retained earnings to average equity (ytd only)2.3724%4,910
Net charge-offs to loans0.6648%911
Credit loss provision to net charge-offs110.8974%2,127
Earnings coverage of net charge-offs (x)3.8206%3,604
Efficiency ratio42.7894%6,687
Assets per employee ($millions)7.0178%741
Cash dividends to net income (ytd only)*88.3442%599
Condition Ratios (%)
Loss allowance to loans1.1326%5,193
Loan loss allowance to noncurrent loans3,966.6667%160
Noncurrent assets plus other real estate owned to assets0.0256%6,402
Noncurrent loans to loans0.0286%6,265
Net loans and leases to total assets88.8113%62
Net loans and leases to deposits96.7735%638
Net loans and leases to core deposits104.3917%856
Total domestic deposits to total assets91.7724%293
Equity capital to assets7.9484%6,178
Core capital (leverage) ratio8.0260%6,202
Tier 1 risk-based capital ratio9.5464%6,678
Total risk-based capital ratio10.7622%6,658
Memoranda:
Average total assets$36,171,0006,458
Average earning assets$35,028,0006,389
Average equity$2,810,2506,641
Average total loans$31,284,7505,752
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9379%1,019
Cost of funding earning assets1.0214%488
Net interest margin3.9165%2,163
Noninterest income to average assets0.0219%6,748
Noninterest expense to average assets1.6205%6,572
Loan and lease loss provision to assets0.8267%255
Net operating income to assets1.3413%1,222
Return on assets (ROA)1.3413%1,312
Pretax return on assets1.3742%2,022
Return on Equity (ROE)17.3924%520
Retained earnings to average equity (ytd only)-3.7624%6,372
Net charge-offs to loans0.3909%1,656
Credit loss provision to net charge-offs247.5410%1,021
Earnings coverage of net charge-offs (x)6.5902%2,693
Efficiency ratio41.6905%6,764
Assets per employee ($millions)7.1854%669
Cash dividends to net income (ytd only)*121.6327%331
Condition Ratios (%)
Loss allowance to loans1.3566%4,233
Loan loss allowance to noncurrent loans335.9375%1,255
Noncurrent assets plus other real estate owned to assets0.3563%5,421
Noncurrent loans to loans0.4038%5,254
Net loans and leases to total assets87.0320%115
Net loans and leases to deposits99.4782%455
Net loans and leases to core deposits105.6923%751
Total domestic deposits to total assets87.4885%2,545
Equity capital to assets7.6739%6,380
Core capital (leverage) ratio7.3640%6,508
Tier 1 risk-based capital ratio9.1448%6,751
Total risk-based capital ratio10.3980%6,749
Memoranda:
Average total assets$36,531,6706,493
Average earning assets$35,440,0006,423
Average equity$2,817,3306,688
Average total loans$31,206,3305,796
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7571%1,383
Cost of funding earning assets1.0385%500
Net interest margin3.7186%2,781
Noninterest income to average assets0.0217%6,809
Noninterest expense to average assets1.6072%6,664
Loan and lease loss provision to assets0.1955%1,893
Net operating income to assets1.8027%478
Return on assets (ROA)1.8027%533
Pretax return on assets1.8353%828
Return on Equity (ROE)23.3187%157
Retained earnings to average equity (ytd only)4.7761%3,374
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.5821%6,788
Assets per employee ($millions)7.3328%657
Cash dividends to net income (ytd only)*79.5181%903
Condition Ratios (%)
Loss allowance to loans1.1597%5,370
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,664
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets83.2179%221
Net loans and leases to deposits90.4619%923
Net loans and leases to core deposits97.5416%1,113
Total domestic deposits to total assets91.9921%248
Equity capital to assets7.7978%6,470
Core capital (leverage) ratio7.6669%6,376
Tier 1 risk-based capital ratio9.6900%6,735
Total risk-based capital ratio10.9342%6,718
Memoranda:
Average total assets$36,834,0006,554
Average earning assets$35,820,0006,472
Average equity$2,847,5006,753
Average total loans$30,960,5005,846
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2332%1,056
Cost of funding earning assets1.1960%596
Net interest margin4.0372%2,245
Noninterest income to average assets0.0296%6,753
Noninterest expense to average assets1.8478%6,554
Loan and lease loss provision to assets0.1951%3,196
Net operating income to assets1.8663%456
Return on assets (ROA)1.8921%488
Pretax return on assets1.9453%676
Return on Equity (ROE)24.2112%151
Retained earnings to average equity (ytd only)12.2948%300
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.5970%6,795
Assets per employee ($millions)7.4008%657
Cash dividends to net income (ytd only)*49.2188%2,355
Condition Ratios (%)
Loss allowance to loans1.0949%5,571
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,725
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets82.9964%268
Net loans and leases to deposits90.0355%1,071
Net loans and leases to core deposits96.9934%1,224
Total domestic deposits to total assets92.1819%213
Equity capital to assets7.6640%6,565
Core capital (leverage) ratio7.7863%6,346
Tier 1 risk-based capital ratio9.5416%6,795
Total risk-based capital ratio10.7196%6,800
Memoranda:
Average total assets$33,824,6006,662
Average earning assets$32,943,4006,583
Average equity$2,643,4006,853
Average total loans$28,764,2006,004
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2560%1,089
Cost of funding earning assets1.2260%616
Net interest margin4.0300%2,382
Noninterest income to average assets0.0323%6,858
Noninterest expense to average assets1.8488%6,617
Loan and lease loss provision to assets0.1938%3,157
Net operating income to assets1.8690%496
Return on assets (ROA)1.8690%567
Pretax return on assets1.9174%840
Return on Equity (ROE)23.7865%171
Retained earnings to average equity (ytd only)11.5079%610
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.4638%6,845
Assets per employee ($millions)6.7530%836
Cash dividends to net income (ytd only)*51.6199%1,627
Condition Ratios (%)
Loss allowance to loans1.0516%5,883
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,825
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets89.7349%51
Net loans and leases to deposits97.9124%554
Net loans and leases to core deposits106.3197%719
Total domestic deposits to total assets91.6482%259
Equity capital to assets8.0794%6,558
Core capital (leverage) ratio7.5967%6,564
Tier 1 risk-based capital ratio9.1568%6,929
Total risk-based capital ratio10.2686%6,938
Memoranda:
Average total assets$33,029,7506,760
Average earning assets$32,191,0006,682
Average equity$2,595,2506,951
Average total loans$28,192,2506,105
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0733%1,588
Cost of funding earning assets1.2261%731
Net interest margin3.8472%3,147
Noninterest income to average assets0.0244%6,935
Noninterest expense to average assets1.8850%6,625
Loan and lease loss provision to assets0.1830%3,273
Net operating income to assets1.6593%734
Return on assets (ROA)1.6593%821
Pretax return on assets1.7081%1,234
Return on Equity (ROE)21.3250%272
Retained earnings to average equity (ytd only)9.9569%988
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.3037%6,757
Assets per employee ($millions)6.9030%761
Cash dividends to net income (ytd only)*53.3088%1,617
Condition Ratios (%)
Loss allowance to loans1.0156%6,089
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets85.8409%147
Net loans and leases to deposits93.1493%841
Net loans and leases to core deposits100.9094%1,045
Total domestic deposits to total assets92.1541%203
Equity capital to assets7.6054%6,756
Core capital (leverage) ratio7.5722%6,585
Tier 1 risk-based capital ratio9.0363%6,980
Total risk-based capital ratio10.1114%6,994
Memoranda:
Average total assets$32,784,6706,819
Average earning assets$31,971,3306,734
Average equity$2,551,0007,003
Average total loans$27,382,6706,187
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1507%1,428
Cost of funding earning assets1.2331%835
Net interest margin3.9176%2,849
Noninterest income to average assets0.0251%7,035
Noninterest expense to average assets1.5790%6,997
Loan and lease loss provision to assets0.1504%3,486
Net operating income to assets2.0677%368
Return on assets (ROA)2.0677%427
Pretax return on assets2.1178%617
Return on Equity (ROE)26.2530%153
Retained earnings to average equity (ytd only)18.2975%239
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.4137%7,116
Assets per employee ($millions)6.6578%897
Cash dividends to net income (ytd only)*30.3030%2,084
Condition Ratios (%)
Loss allowance to loans1.0899%5,933
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,966
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets77.9657%594
Net loans and leases to deposits84.7616%1,571
Net loans and leases to core deposits92.1139%1,640
Total domestic deposits to total assets91.9823%261
Equity capital to assets7.8404%6,618
Core capital (leverage) ratio7.9511%6,296
Tier 1 risk-based capital ratio10.2520%6,811
Total risk-based capital ratio11.4050%6,836
Memoranda:
Average total assets$31,919,5006,901
Average earning assets$31,141,5006,816
Average equity$2,514,0007,060
Average total loans$26,108,0006,302
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2791%1,775
Cost of funding earning assets1.2662%1,651
Net interest margin4.0129%2,820
Noninterest income to average assets0.0395%6,877
Noninterest expense to average assets2.2539%6,158
Loan and lease loss provision to assets0.4889%2,163
Net operating income to assets1.0928%1,865
Return on assets (ROA)1.0928%1,977
Pretax return on assets1.1359%2,707
Return on Equity (ROE)13.9296%947
Retained earnings to average equity (ytd only)13.9296%174
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.3485%6,270
Assets per employee ($millions)6.1100%1,156
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.0548%5,981
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,026
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets84.1309%205
Net loans and leases to deposits91.5118%1,010
Net loans and leases to core deposits114.4702%485
Total domestic deposits to total assets91.9345%248
Equity capital to assets7.9149%6,621
Core capital (leverage) ratio8.3621%5,761
Tier 1 risk-based capital ratio9.8060%6,898
Total risk-based capital ratio10.9369%6,916
Memoranda:
Average total assets$27,819,0007,029
Average earning assets$26,614,4006,971
Average equity$2,182,4007,186
Average total loans$21,647,8006,574
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2019%2,201
Cost of funding earning assets1.2953%1,730
Net interest margin3.9066%3,348
Noninterest income to average assets0.0491%6,960
Noninterest expense to average assets2.2405%6,187
Loan and lease loss provision to assets0.4275%2,335
Net operating income to assets1.0613%2,103
Return on assets (ROA)1.0613%2,244
Pretax return on assets1.1006%3,010
Return on Equity (ROE)13.5620%1,146
Retained earnings to average equity (ytd only)13.5620%326
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6271%6,068
Assets per employee ($millions)5.4310%1,667
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.9980%6,281
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,097
Noncurrent loans to loans0.0000%6,971
Net loans and leases to total assets82.1985%339
Net loans and leases to deposits90.2114%1,193
Net loans and leases to core deposits106.0682%859
Total domestic deposits to total assets91.1177%401
Equity capital to assets8.6025%6,201
Core capital (leverage) ratio8.5500%5,639
Tier 1 risk-based capital ratio10.4846%6,784
Total risk-based capital ratio11.5152%6,857
Memoranda:
Average total assets$27,136,2507,117
Average earning assets$25,836,2507,060
Average equity$2,123,5007,265
Average total loans$20,565,7506,691
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0686%2,841
Cost of funding earning assets1.2924%1,992
Net interest margin3.7761%3,905
Noninterest income to average assets0.0442%7,071
Noninterest expense to average assets2.2189%6,332
Loan and lease loss provision to assets0.4276%2,292
Net operating income to assets0.9436%2,464
Return on assets (ROA)0.9436%2,556
Pretax return on assets0.9731%3,344
Return on Equity (ROE)12.4716%1,351
Retained earnings to average equity (ytd only)12.4716%462
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4705%5,947
Assets per employee ($millions)5.1872%1,888
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.9256%6,585
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets80.8876%457
Net loans and leases to deposits88.6724%1,409
Net loans and leases to core deposits101.2842%1,229
Total domestic deposits to total assets91.2207%420
Equity capital to assets8.5750%6,092
Core capital (leverage) ratio8.4811%5,580
Tier 1 risk-based capital ratio10.2626%6,890
Total risk-based capital ratio11.1769%7,002
Memoranda:
Average total assets$27,130,0007,183
Average earning assets$25,687,6707,133
Average equity$2,052,6707,335
Average total loans$19,905,6706,797
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8602%3,772
Cost of funding earning assets1.2766%2,326
Net interest margin3.5837%4,647
Noninterest income to average assets0.0433%7,169
Noninterest expense to average assets2.1640%6,504
Loan and lease loss provision to assets0.4184%2,100
Net operating income to assets0.8223%2,922
Return on assets (ROA)0.8223%2,980
Pretax return on assets0.8223%3,819
Return on Equity (ROE)11.5913%1,576
Retained earnings to average equity (ytd only)11.5913%799
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4407%5,769
Assets per employee ($millions)5.2052%1,888
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.8480%6,826
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets75.0250%1,174
Net loans and leases to deposits81.8426%2,388
Net loans and leases to core deposits104.2721%1,044
Total domestic deposits to total assets91.6699%376
Equity capital to assets8.1534%6,336
Core capital (leverage) ratio7.9213%6,340
Tier 1 risk-based capital ratio10.9703%6,528
Total risk-based capital ratio11.8308%6,750
Memoranda:
Average total assets$27,727,0007,215
Average earning assets$26,007,0007,174
Average equity$1,967,0007,399
Average total loans$19,271,0006,882
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8805%5,110
Cost of funding earning assets1.6751%1,707
Net interest margin3.2054%6,257
Noninterest income to average assets0.0454%7,129
Noninterest expense to average assets2.4899%5,841
Loan and lease loss provision to assets0.5907%2,773
Net operating income to assets-0.0182%5,878
Return on assets (ROA)-0.0182%5,983
Pretax return on assets-0.0182%5,919
Return on Equity (ROE)-0.2183%5,987
Retained earnings to average equity (ytd only)-1.6916%5,917
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.4866%2,619
Assets per employee ($millions)5.8856%1,292
Cash dividends to net income (ytd only)*-675.0000%7,651
Condition Ratios (%)
Loss allowance to loans0.7321%7,082
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets63.5823%3,956
Net loans and leases to deposits67.8205%5,122
Net loans and leases to core deposits85.2049%3,439
Total domestic deposits to total assets93.7508%98
Equity capital to assets6.1574%7,319
Core capital (leverage) ratio6.7658%7,124
Tier 1 risk-based capital ratio9.5795%7,116
Total risk-based capital ratio10.3058%7,240
Memoranda:
Average total assets$22,008,6007,420
Average earning assets$20,715,2007,386
Average equity$1,832,6007,532
Average total loans$14,564,6007,183
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8932%5,299
Cost of funding earning assets1.7635%1,572
Net interest margin3.1297%6,538
Noninterest income to average assets0.0463%7,290
Noninterest expense to average assets2.6132%5,271
Loan and lease loss provision to assets0.3242%3,992
Net operating income to assets0.0794%5,821
Return on assets (ROA)0.0794%5,960
Pretax return on assets0.0794%5,951
Return on Equity (ROE)0.8706%5,924
Retained earnings to average equity (ytd only)-1.0883%6,028
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.5526%1,886
Assets per employee ($millions)4.9290%2,279
Cash dividends to net income (ytd only)*225.0000%72
Condition Ratios (%)
Loss allowance to loans0.2639%7,611
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets75.1390%1,565
Net loans and leases to deposits81.4408%3,194
Net loans and leases to core deposits103.7365%1,510
Total domestic deposits to total assets92.2621%153
Equity capital to assets7.5269%7,115
Core capital (leverage) ratio7.5661%6,799
Tier 1 risk-based capital ratio10.1235%6,997
Total risk-based capital ratio10.3937%7,351
Memoranda:
Average total assets$20,153,7507,561
Average earning assets$19,128,2507,519
Average equity$1,837,7507,631
Average total loans$13,493,5007,323
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6803%6,207
Cost of funding earning assets1.7749%1,744
Net interest margin2.9054%7,001
Noninterest income to average assets0.0429%7,366
Noninterest expense to average assets2.7443%4,722
Loan and lease loss provision to assets0.3216%3,815
Net operating income to assets-0.2680%6,436
Return on assets (ROA)-0.2680%6,480
Pretax return on assets-0.2680%6,391
Return on Equity (ROE)-2.7293%6,492
Retained earnings to average equity (ytd only)-5.6769%6,629
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.6360%1,034
Assets per employee ($millions)4.6214%2,700
Cash dividends to net income (ytd only)*-108.0000%7,786
Condition Ratios (%)
Loss allowance to loans0.1808%7,713
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets71.6882%2,489
Net loans and leases to deposits77.9676%3,971
Net loans and leases to core deposits101.2407%1,901
Total domestic deposits to total assets91.9462%227
Equity capital to assets7.8331%6,896
Core capital (leverage) ratio8.6873%5,095
Tier 1 risk-based capital ratio10.6935%6,535
Total risk-based capital ratio10.8714%7,216
Memoranda:
Average total assets$18,656,6707,663
Average earning assets$17,691,3307,618
Average equity$1,832,0007,697
Average total loans$11,802,3307,468
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2130%7,244
Cost of funding earning assets1.7317%2,222
Net interest margin2.4813%7,486
Noninterest income to average assets0.0487%7,470
Noninterest expense to average assets2.8238%4,393
Loan and lease loss provision to assets0.6573%1,930
Net operating income to assets-1.0955%7,164
Return on assets (ROA)-1.0955%7,179
Pretax return on assets-1.0955%7,097
Return on Equity (ROE)-9.7667%7,130
Retained earnings to average equity (ytd only)-9.7667%6,953
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio115.3061%509
Assets per employee ($millions)5.7273%1,473
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.2051%7,810
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets76.4696%1,442
Net loans and leases to deposits85.7525%2,632
Net loans and leases to core deposits88.6632%3,542
Total domestic deposits to total assets89.1747%1,429
Equity capital to assets10.5983%3,147
Core capital (leverage) ratio10.8255%2,351
Tier 1 risk-based capital ratio12.6220%4,625
Total risk-based capital ratio12.8101%5,595
Memoranda:
Average total assets$16,431,5007,805
Average earning assets$15,476,0007,771
Average equity$1,843,0007,778
Average total loans$9,406,0007,675
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.3624%7,954
Cost of funding earning assets0.5418%7,809
Net interest margin0.8205%7,946
Noninterest income to average assets0.0283%7,597
Noninterest expense to average assets1.3150%7,865
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets-0.5373%6,224
Return on assets (ROA)-0.5373%6,213
Pretax return on assets-0.5373%6,042
Return on Equity (ROE)-2.1346%5,876
Retained earnings to average equity (ytd only)-2.1346%5,544
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio160.0000%253
Assets per employee ($millions)3.9203%3,976
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.0000%7,932
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets36.0054%7,521
Net loans and leases to deposits40.9546%7,595
Net loans and leases to core deposits56.0397%7,403
Total domestic deposits to total assets87.9153%2,003
Equity capital to assets11.8934%2,087
Core capital (leverage) ratio17.1727%473
Tier 1 risk-based capital ratio21.8287%1,174
Total risk-based capital ratio21.8287%1,332
Memoranda:
Average total assets$7,072,2008,001
Average earning assets$6,459,4007,985
Average equity$1,780,2007,881
Average total loans$3,664,2007,931
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9836%2,106
Cost of funding earning assets0.1804%8,036
Net interest margin5.8032%134
Noninterest income to average assets0.1896%6,860
Noninterest expense to average assets4.6612%631
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets0.7587%2,990
Return on assets (ROA)0.7587%3,055
Pretax return on assets0.7587%3,671
Return on Equity (ROE)2.1222%5,126
Retained earnings to average equity (ytd only)2.1222%4,143
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.0000%2,066
Assets per employee ($millions)1.4970%7,986
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.2876%4,583
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets66.5776%4,288
Net loans and leases to deposits110.4952%454
Net loans and leases to core deposits114.7352%2,758
Total domestic deposits to total assets60.2538%7,869
Equity capital to assets39.4790%74
Core capital (leverage) ratio36.0451%89
Tier 1 risk-based capital ratio51.6593%160
Total risk-based capital ratio52.8047%159
Memoranda:
Average total assets$4,920,0008,096
Average earning assets$4,434,2508,082
Average equity$1,759,0007,969
Average total loans$3,168,7508,018
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7751%3,162
Cost of funding earning assets0.1313%8,143
Net interest margin5.6439%153
Noninterest income to average assets0.1580%7,145
Noninterest expense to average assets4.7798%601
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.4740%4,202
Return on assets (ROA)0.4740%4,313
Pretax return on assets0.4740%4,704
Return on Equity (ROE)1.3680%5,513
Retained earnings to average equity (ytd only)1.3680%4,576
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.9774%1,731
Assets per employee ($millions)1.6610%8,033
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.3274%4,110
Loan loss allowance to noncurrent loans32.2314%6,314
Noncurrent assets plus other real estate owned to assets2.4283%2,660
Noncurrent loans to loans4.1184%1,616
Net loans and leases to total assets58.1778%5,941
Net loans and leases to deposits90.1991%2,805
Net loans and leases to core deposits93.0957%5,229
Total domestic deposits to total assets64.4993%7,809
Equity capital to assets35.3000%102
Core capital (leverage) ratio34.9719%108
Tier 1 risk-based capital ratio44.6008%225
Total risk-based capital ratio45.5988%229
Memoranda:
Average total assets$5,063,0008,191
Average earning assets$4,571,3308,175
Average equity$1,754,3308,053
Average total loans$3,215,3308,108
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0770%2,035
Cost of funding earning assets0.1736%8,187
Net interest margin5.9034%111
Noninterest income to average assets0.2352%6,581
Noninterest expense to average assets4.8599%531
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.7055%3,527
Return on assets (ROA)0.7055%3,721
Pretax return on assets0.7055%4,422
Return on Equity (ROE)2.0548%5,756
Retained earnings to average equity (ytd only)2.0548%4,720
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.3239%1,953
Assets per employee ($millions)1.2835%8,146
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1275%5,276
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets66.6147%4,437
Net loans and leases to deposits108.8479%676
Net loans and leases to core deposits108.8479%3,578
Total domestic deposits to total assets61.1998%7,939
Equity capital to assets34.2228%113
Core capital (leverage) ratio33.1302%127
Tier 1 risk-based capital ratio44.3878%257
Total risk-based capital ratio45.3827%260
Memoranda:
Average total assets$5,103,0008,241
Average earning assets$4,607,5008,225
Average equity$1,752,0008,103
Average total loans$3,354,0008,156
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2160%7,672
Cost of funding earning assets0.6897%8,153
Net interest margin4.5263%1,358
Noninterest income to average assets0.1536%7,324
Noninterest expense to average assets4.1284%1,230
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.0576%6,212
Return on assets (ROA)0.0768%6,010
Pretax return on assets0.0768%5,995
Return on Equity (ROE)0.2302%6,154
Retained earnings to average equity (ytd only)0.2302%5,091
Net charge-offs to loans0.0744%5,697
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)1.5000%5,352
Efficiency ratio98.6239%1,035
Assets per employee ($millions)1.2680%8,204
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.2004%4,532
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets63.2886%5,406
Net loans and leases to deposits111.1496%757
Net loans and leases to core deposits111.1496%3,661
Total domestic deposits to total assets56.9401%8,040
Equity capital to assets34.4440%128
Core capital (leverage) ratio35.8444%132
Tier 1 risk-based capital ratio46.2854%247
Total risk-based capital ratio47.3276%248
Memoranda:
Average total assets$5,207,8008,295
Average earning assets$4,639,6008,282
Average equity$1,737,6008,173
Average total loans$2,687,0008,223