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SEI Private Trust Company, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.7999%4,717
Cost of funding earning assets0.0013%4,819
Net interest margin1.7987%4,668
Noninterest income to average assets136.4464%7
Noninterest expense to average assets75.9772%13
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets45.7736%3
Return on assets (ROA)45.3422%3
Pretax return on assets61.2465%2
Return on Equity (ROE)48.5392%19
Retained earnings to average equity (ytd only)8.2226%1,452
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.1479%3,803
Assets per employee ($millions)0.3033%4,826
Cash dividends to net income (ytd only)*83.0599%445
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%4,813
Net loans and leases to deposits0.0000%4,812
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2309%4,845
Equity capital to assets93.0149%7
Core capital (leverage) ratio92.9105%10
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio311.6351%10
Memoranda:
Average total assets$212,420,4002,965
Average earning assets$156,283,6003,315
Average equity$198,429,400552
Average total loansNANA
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.7631%4,807
Cost of funding earning assets0.0017%4,890
Net interest margin1.7614%4,759
Noninterest income to average assets136.2556%8
Noninterest expense to average assets74.8314%12
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets46.3664%3
Return on assets (ROA)45.9374%3
Pretax return on assets62.1747%2
Return on Equity (ROE)49.1227%18
Retained earnings to average equity (ytd only)12.0276%831
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.4034%3,742
Assets per employee ($millions)0.3130%4,901
Cash dividends to net income (ytd only)*75.5152%469
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%4,885
Net loans and leases to deposits0.0000%4,885
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2298%4,921
Equity capital to assets93.6195%9
Core capital (leverage) ratio95.6646%8
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio317.3392%12
Memoranda:
Average total assets$211,392,5003,003
Average earning assets$155,255,5003,355
Average equity$197,685,000553
Average total loansNANA
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.7784%4,840
Cost of funding earning assets0.0026%4,928
Net interest margin1.7758%4,792
Noninterest income to average assets137.3063%8
Noninterest expense to average assets74.3381%13
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets47.2498%3
Return on assets (ROA)46.8302%3
Pretax return on assets63.7421%2
Return on Equity (ROE)50.0967%24
Retained earnings to average equity (ytd only)19.4365%172
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.6306%3,848
Assets per employee ($millions)0.3101%4,937
Cash dividends to net income (ytd only)*61.2020%890
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%4,922
Net loans and leases to deposits0.0000%4,922
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2281%4,956
Equity capital to assets93.6576%8
Core capital (leverage) ratio98.6586%8
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio330.7538%10
Memoranda:
Average total assets$209,343,6673,020
Average earning assets$153,844,0003,377
Average equity$195,693,667555
Average total loansNANA
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.8385%4,868
Cost of funding earning assets0.0054%4,955
Net interest margin1.8330%4,798
Noninterest income to average assets135.2769%10
Noninterest expense to average assets73.3604%13
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets46.7765%3
Return on assets (ROA)46.2710%3
Pretax return on assets62.5974%2
Return on Equity (ROE)49.5491%32
Retained earnings to average equity (ytd only)18.1160%362
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.7054%3,820
Assets per employee ($millions)0.3040%4,964
Cash dividends to net income (ytd only)*63.4384%826
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%4,950
Net loans and leases to deposits0.0000%4,950
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2415%4,984
Equity capital to assets94.2273%6
Core capital (leverage) ratio95.9990%10
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio292.6357%11
Memoranda:
Average total assets$204,404,5003,049
Average earning assets$147,296,5003,452
Average equity$190,881,500557
Average total loansNANA
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0817%4,908
Cost of funding earning assets0.0035%4,987
Net interest margin2.0782%4,807
Noninterest income to average assets132.8743%8
Noninterest expense to average assets75.4032%11
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets43.6670%3
Return on assets (ROA)43.3035%3
Pretax return on assets58.5086%2
Return on Equity (ROE)47.1054%21
Retained earnings to average equity (ytd only)8.2634%981
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.1153%3,975
Assets per employee ($millions)0.3012%4,986
Cash dividends to net income (ytd only)*82.4577%570
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%4,974
Net loans and leases to deposits0.0000%4,974
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2478%5,005
Equity capital to assets92.5193%8
Core capital (leverage) ratio93.3556%10
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio275.7099%10
Memoranda:
Average total assets$196,039,4002,973
Average earning assets$141,275,8003,369
Average equity$180,217,200558
Average total loansNANA
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1338%4,955
Cost of funding earning assets0.0047%5,020
Net interest margin2.1291%4,843
Noninterest income to average assets132.1123%7
Noninterest expense to average assets75.3961%11
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets42.3415%3
Return on assets (ROA)42.0265%3
Pretax return on assets57.8542%2
Return on Equity (ROE)45.7925%25
Retained earnings to average equity (ytd only)8.4651%1,149
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.4135%3,872
Assets per employee ($millions)0.3045%5,018
Cash dividends to net income (ytd only)*81.5142%567
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,006
Net loans and leases to deposits0.0000%5,006
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2496%5,037
Equity capital to assets91.4569%8
Core capital (leverage) ratio93.1096%12
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio305.6673%12
Memoranda:
Average total assets$194,599,2502,965
Average earning assets$140,466,0003,362
Average equity$178,595,500554
Average total loansNANA
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2714%4,996
Cost of funding earning assets0.0058%5,052
Net interest margin2.2655%4,850
Noninterest income to average assets131.8265%7
Noninterest expense to average assets76.2876%11
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets42.3176%3
Return on assets (ROA)42.0880%4
Pretax return on assets56.8685%2
Return on Equity (ROE)45.8043%21
Retained earnings to average equity (ytd only)11.9162%472
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1671%3,791
Assets per employee ($millions)0.3216%5,050
Cash dividends to net income (ytd only)*73.9846%857
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,039
Net loans and leases to deposits0.0000%5,039
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2532%5,073
Equity capital to assets92.5340%9
Core capital (leverage) ratio94.0881%10
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio276.1148%11
Memoranda:
Average total assets$192,686,6672,965
Average earning assets$137,803,3333,376
Average equity$177,053,333553
Average total loansNANA
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5118%5,047
Cost of funding earning assets0.0059%5,099
Net interest margin2.5059%4,823
Noninterest income to average assets138.8936%7
Noninterest expense to average assets81.6461%11
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets43.8051%4
Return on assets (ROA)43.5925%5
Pretax return on assets58.7778%2
Return on Equity (ROE)47.6157%16
Retained earnings to average equity (ytd only)13.1748%305
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.0314%3,995
Assets per employee ($millions)0.3211%5,099
Cash dividends to net income (ytd only)*72.3310%1,153
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,086
Net loans and leases to deposits0.0000%5,086
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2586%5,119
Equity capital to assets91.9190%14
Core capital (leverage) ratio93.3390%16
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio304.4070%11
Memoranda:
Average total assets$190,289,5002,952
Average earning assets$136,635,0003,359
Average equity$174,211,500560
Average total loansNANA
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7870%5,093
Cost of funding earning assets0.0064%5,161
Net interest margin2.7806%4,770
Noninterest income to average assets146.9108%6
Noninterest expense to average assets83.5792%11
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets48.6194%2
Return on assets (ROA)48.4028%2
Pretax return on assets64.9945%2
Return on Equity (ROE)53.2341%10
Retained earnings to average equity (ytd only)10.3167%435
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.1507%4,183
Assets per employee ($millions)0.3111%5,160
Cash dividends to net income (ytd only)*80.6201%771
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,149
Net loans and leases to deposits0.0000%5,149
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2670%5,181
Equity capital to assets91.1706%15
Core capital (leverage) ratio92.4061%14
Tier 1 risk-based capital ratio273.8724%16
Total risk-based capital ratio273.8724%16
Memoranda:
Average total assets$179,384,4003,026
Average earning assets$124,973,8003,494
Average equity$163,104,000569
Average total loansNANA
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9152%5,166
Cost of funding earning assets0.0054%5,244
Net interest margin2.9098%4,744
Noninterest income to average assets148.1917%5
Noninterest expense to average assets84.1139%11
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets49.2539%2
Return on assets (ROA)49.0490%2
Pretax return on assets65.8484%2
Return on Equity (ROE)53.9835%8
Retained earnings to average equity (ytd only)12.6276%315
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.9932%4,168
Assets per employee ($millions)0.3015%5,239
Cash dividends to net income (ytd only)*76.6084%755
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,226
Net loans and leases to deposits0.0000%5,226
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2723%5,261
Equity capital to assets92.1406%10
Core capital (leverage) ratio91.6704%15
Tier 1 risk-based capital ratio286.1327%17
Total risk-based capital ratio286.1327%17
Memoranda:
Average total assets$177,415,2503,075
Average earning assets$123,761,7503,548
Average equity$161,198,250579
Average total loansNANA
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9686%5,216
Cost of funding earning assets0.0050%5,290
Net interest margin2.9637%4,742
Noninterest income to average assets150.0028%5
Noninterest expense to average assets86.7936%11
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets48.3078%2
Return on assets (ROA)48.1041%3
Pretax return on assets64.9931%2
Return on Equity (ROE)53.2054%8
Retained earnings to average equity (ytd only)15.3583%153
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0843%4,120
Assets per employee ($millions)0.2968%5,287
Cash dividends to net income (ytd only)*71.1339%1,074
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,274
Net loans and leases to deposits0.0000%5,274
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2762%5,308
Equity capital to assets91.6469%9
Core capital (leverage) ratio91.3866%18
Tier 1 risk-based capital ratio262.6489%19
Total risk-based capital ratio262.6489%19
Memoranda:
Average total assets$175,344,6703,107
Average earning assets$120,796,6703,613
Average equity$158,532,670583
Average total loansNANA
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0151%5,267
Cost of funding earning assets0.0067%5,347
Net interest margin3.0084%4,739
Noninterest income to average assets153.0175%5
Noninterest expense to average assets92.9830%10
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets45.9700%3
Return on assets (ROA)45.7703%3
Pretax return on assets61.8735%2
Return on Equity (ROE)50.9896%13
Retained earnings to average equity (ytd only)12.2378%573
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.9468%3,811
Assets per employee ($millions)0.2797%5,346
Cash dividends to net income (ytd only)*75.9994%997
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,905
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,335
Net loans and leases to deposits0.0000%5,334
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2874%5,367
Equity capital to assets90.6139%12
Core capital (leverage) ratio88.4833%16
Tier 1 risk-based capital ratio287.1659%14
Total risk-based capital ratio287.1659%14
Memoranda:
Average total assets$172,487,5003,165
Average earning assets$119,931,0003,658
Average equity$154,831,500593
Average total loansNANA
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5847%5,335
Cost of funding earning assets0.0060%5,390
Net interest margin2.5787%5,167
Noninterest income to average assets166.3767%5
Noninterest expense to average assets104.0658%9
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets48.9224%3
Return on assets (ROA)48.6611%3
Pretax return on assets63.7994%2
Return on Equity (ROE)53.9190%6
Retained earnings to average equity (ytd only)13.8712%169
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.8718%3,556
Assets per employee ($millions)0.2727%5,390
Cash dividends to net income (ytd only)*74.2740%904
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,379
Net loans and leases to deposits0.0000%5,379
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2924%5,409
Equity capital to assets88.8992%17
Core capital (leverage) ratio87.5890%17
Tier 1 risk-based capital ratio278.6365%18
Total risk-based capital ratio278.6365%18
Memoranda:
Average total assets$166,009,4003,209
Average earning assets$117,112,4003,693
Average equity$149,821,000570
Average total loansNANA
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5454%5,404
Cost of funding earning assets0.0057%5,461
Net interest margin2.5396%5,261
Noninterest income to average assets168.2190%5
Noninterest expense to average assets105.2338%9
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets49.4760%4
Return on assets (ROA)49.1966%4
Pretax return on assets64.4313%2
Return on Equity (ROE)54.3018%7
Retained earnings to average equity (ytd only)31.9715%10
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.8954%3,526
Assets per employee ($millions)0.2991%5,459
Cash dividends to net income (ytd only)*41.1225%2,006
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,450
Net loans and leases to deposits0.0000%5,450
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.2722%5,483
Equity capital to assets90.5852%13
Core capital (leverage) ratio99.6250%5
Tier 1 risk-based capital ratio256.6210%20
Total risk-based capital ratio256.6210%20
Memoranda:
Average total assets$164,760,5003,248
Average earning assets$116,759,0003,739
Average equity$149,270,750570
Average total loansNANA
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5796%5,460
Cost of funding earning assets0.0053%5,524
Net interest margin2.5743%5,291
Noninterest income to average assets176.9917%5
Noninterest expense to average assets111.6472%6
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets52.2257%3
Return on assets (ROA)51.9495%3
Pretax return on assets66.8401%2
Return on Equity (ROE)57.3370%7
Retained earnings to average equity (ytd only)22.5113%43
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.4296%3,570
Assets per employee ($millions)0.2650%5,526
Cash dividends to net income (ytd only)*60.7386%1,284
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,515
Net loans and leases to deposits0.0000%5,515
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3078%5,547
Equity capital to assets90.6500%15
Core capital (leverage) ratio90.5439%17
Tier 1 risk-based capital ratio269.0364%20
Total risk-based capital ratio269.0364%20
Memoranda:
Average total assets$158,461,6703,338
Average earning assets$113,583,0003,816
Average equity$143,572,330589
Average total loansNANA
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4790%5,539
Cost of funding earning assets0.0070%5,590
Net interest margin2.4720%5,412
Noninterest income to average assets180.6516%5
Noninterest expense to average assets115.8463%6
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets52.1087%3
Return on assets (ROA)51.8361%3
Pretax return on assets66.2600%2
Return on Equity (ROE)57.2269%10
Retained earnings to average equity (ytd only)57.2269%3
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.4943%3,563
Assets per employee ($millions)0.2717%5,587
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,578
Net loans and leases to deposits0.0000%5,578
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3047%5,610
Equity capital to assets92.1663%11
Core capital (leverage) ratio94.0193%12
Tier 1 risk-based capital ratio291.1123%19
Total risk-based capital ratio291.1123%19
Memoranda:
Average total assets$156,462,5003,400
Average earning assets$113,915,5003,851
Average equity$141,723,500606
Average total loansNANA
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1500%5,601
Cost of funding earning assets0.0025%5,656
Net interest margin2.1475%5,548
Noninterest income to average assets165.8033%5
Noninterest expense to average assets115.1871%6
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets31.3667%5
Return on assets (ROA)31.0801%5
Pretax return on assets51.7771%4
Return on Equity (ROE)34.5442%23
Retained earnings to average equity (ytd only)-4.2362%5,407
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8045%2,746
Assets per employee ($millions)0.3693%5,648
Cash dividends to net income (ytd only)*112.2632%246
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,206
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,643
Net loans and leases to deposits0.0000%5,643
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3360%5,675
Equity capital to assets88.8307%16
Core capital (leverage) ratio81.1248%22
Tier 1 risk-based capital ratio281.6422%18
Total risk-based capital ratio281.6422%18
Memoranda:
Average total assets$157,631,4003,386
Average earning assets$118,093,0003,784
Average equity$141,824,200572
Average total loansNANA
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1048%5,671
Cost of funding earning assets0.0022%5,723
Net interest margin2.1026%5,621
Noninterest income to average assets160.5883%5
Noninterest expense to average assets112.9521%6
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets31.1653%6
Return on assets (ROA)30.8807%6
Pretax return on assets48.7798%5
Return on Equity (ROE)34.2215%21
Retained earnings to average equity (ytd only)11.1107%404
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.6476%2,591
Assets per employee ($millions)0.2894%5,716
Cash dividends to net income (ytd only)*67.5329%1,056
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,709
Net loans and leases to deposits0.0000%5,709
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3025%5,741
Equity capital to assets91.1999%14
Core capital (leverage) ratio94.0076%10
Tier 1 risk-based capital ratio299.4567%15
Total risk-based capital ratio299.4567%15
Memoranda:
Average total assets$159,832,5003,378
Average earning assets$120,736,7503,774
Average equity$144,229,250564
Average total loansNANA
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0988%5,723
Cost of funding earning assets0.0000%5,773
Net interest margin2.0988%5,674
Noninterest income to average assets160.5354%5
Noninterest expense to average assets114.1210%6
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets30.5205%7
Return on assets (ROA)30.2354%7
Pretax return on assets47.5535%6
Return on Equity (ROE)33.6314%25
Retained earnings to average equity (ytd only)-1.5641%5,303
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.3929%2,602
Assets per employee ($millions)0.2780%5,770
Cash dividends to net income (ytd only)*104.6507%431
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,332
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,758
Net loans and leases to deposits0.0000%5,758
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3253%5,793
Equity capital to assets89.4931%13
Core capital (leverage) ratio88.0583%17
Tier 1 risk-based capital ratio296.5735%17
Total risk-based capital ratio296.5735%17
Memoranda:
Average total assets$158,020,0003,416
Average earning assets$119,307,6703,819
Average equity$142,063,670576
Average total loansNANA
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.8765%5,809
Cost of funding earning assets0.0000%5,834
Net interest margin1.8765%5,775
Noninterest income to average assets157.9057%5
Noninterest expense to average assets113.0948%6
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets28.4370%7
Return on assets (ROA)28.1157%7
Pretax return on assets45.7374%6
Return on Equity (ROE)31.2055%38
Retained earnings to average equity (ytd only)31.2055%24
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.9796%2,742
Assets per employee ($millions)0.4102%5,828
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,827
Net loans and leases to deposits0.0000%5,825
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3025%5,860
Equity capital to assets90.6585%12
Core capital (leverage) ratio98.8714%3
Tier 1 risk-based capital ratio315.0006%17
Total risk-based capital ratio315.0006%17
Memoranda:
Average total assets$160,166,5003,430
Average earning assets$121,929,5003,810
Average equity$144,308,000558
Average total loansNANA
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0472%5,838
Cost of funding earning assets0.0019%5,893
Net interest margin2.0454%5,798
Noninterest income to average assets172.3442%4
Noninterest expense to average assets123.4907%5
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets31.2677%6
Return on assets (ROA)30.9700%6
Pretax return on assets49.8810%5
Return on Equity (ROE)34.5781%24
Retained earnings to average equity (ytd only)7.8444%905
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0382%2,740
Assets per employee ($millions)0.3119%5,893
Cash dividends to net income (ytd only)*77.3139%1,007
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,884
Net loans and leases to deposits0.0000%5,883
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3225%5,917
Equity capital to assets89.5018%15
Core capital (leverage) ratio93.9192%10
Tier 1 risk-based capital ratio303.8320%16
Total risk-based capital ratio303.8320%16
Memoranda:
Average total assets$146,173,8003,575
Average earning assets$106,680,8004,064
Average equity$130,921,200611
Average total loansNANA
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0738%5,903
Cost of funding earning assets0.0026%5,960
Net interest margin2.0712%5,855
Noninterest income to average assets174.7915%4
Noninterest expense to average assets125.1531%6
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets31.4355%6
Return on assets (ROA)31.1433%6
Pretax return on assets50.6775%5
Return on Equity (ROE)34.7650%22
Retained earnings to average equity (ytd only)-1.4195%5,545
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.9939%2,741
Assets per employee ($millions)0.2934%5,960
Cash dividends to net income (ytd only)*104.0830%332
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,556
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%5,950
Net loans and leases to deposits0.0000%5,950
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3443%5,986
Equity capital to assets88.1419%16
Core capital (leverage) ratio87.8826%17
Tier 1 risk-based capital ratio278.1860%18
Total risk-based capital ratio278.1860%18
Memoranda:
Average total assets$143,963,0003,623
Average earning assets$103,961,7504,142
Average equity$128,965,750625
Average total loansNANA
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1402%5,982
Cost of funding earning assets0.0000%6,040
Net interest margin2.1402%5,918
Noninterest income to average assets170.9082%4
Noninterest expense to average assets125.4801%6
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets28.6395%7
Return on assets (ROA)28.3649%7
Pretax return on assets46.5372%5
Return on Equity (ROE)31.4926%35
Retained earnings to average equity (ytd only)8.2874%1,076
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.7647%2,553
Assets per employee ($millions)0.3097%6,038
Cash dividends to net income (ytd only)*73.6847%1,071
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,652
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,029
Net loans and leases to deposits0.0000%6,029
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3350%6,064
Equity capital to assets90.3800%13
Core capital (leverage) ratio92.1460%13
Tier 1 risk-based capital ratio305.6466%16
Total risk-based capital ratio305.6466%16
Memoranda:
Average total assets$143,536,6703,651
Average earning assets$103,168,3304,193
Average equity$129,281,330620
Average total loansNANA
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3543%6,009
Cost of funding earning assets0.0000%6,095
Net interest margin2.3543%5,899
Noninterest income to average assets172.3940%4
Noninterest expense to average assets128.7651%5
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets27.6592%6
Return on assets (ROA)27.4063%6
Pretax return on assets44.8686%5
Return on Equity (ROE)30.4842%47
Retained earnings to average equity (ytd only)-16.9596%5,931
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9906%2,478
Assets per employee ($millions)0.2872%6,103
Cash dividends to net income (ytd only)*155.6339%353
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,696
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,091
Net loans and leases to deposits0.0000%6,091
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3665%6,126
Equity capital to assets90.9005%13
Core capital (leverage) ratio85.6713%20
Tier 1 risk-based capital ratio249.8461%19
Total risk-based capital ratio249.8461%19
Memoranda:
Average total assets$140,668,5003,730
Average earning assets$97,692,0004,345
Average equity$126,465,500636
Average total loansNANA
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1177%6,086
Cost of funding earning assets0.0020%6,162
Net interest margin2.1157%6,021
Noninterest income to average assets181.2988%4
Noninterest expense to average assets123.9257%5
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets36.0882%7
Return on assets (ROA)35.8322%7
Pretax return on assets58.5136%4
Return on Equity (ROE)40.2780%27
Retained earnings to average equity (ytd only)11.9685%251
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.7784%3,607
Assets per employee ($millions)0.3083%6,163
Cash dividends to net income (ytd only)*70.2854%1,236
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,750
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,149
Net loans and leases to deposits0.0000%6,149
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3450%6,186
Equity capital to assets88.9645%12
Core capital (leverage) ratio90.9156%13
Tier 1 risk-based capital ratio275.8819%19
Total risk-based capital ratio275.8819%19
Memoranda:
Average total assets$138,972,8003,739
Average earning assets$101,197,0004,258
Average equity$123,633,200619
Average total loansNANA
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1805%6,170
Cost of funding earning assets0.0027%6,246
Net interest margin2.1779%6,080
Noninterest income to average assets184.6358%4
Noninterest expense to average assets118.9654%6
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets41.2431%5
Return on assets (ROA)40.9750%5
Pretax return on assets66.8419%3
Return on Equity (ROE)46.0592%20
Retained earnings to average equity (ytd only)7.9055%1,279
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8822%4,272
Assets per employee ($millions)0.2852%6,252
Cash dividends to net income (ytd only)*82.8363%676
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,236
Net loans and leases to deposits0.0000%6,236
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3706%6,274
Equity capital to assets90.2720%12
Core capital (leverage) ratio87.0830%16
Tier 1 risk-based capital ratio282.4681%20
Total risk-based capital ratio282.4681%20
Memoranda:
Average total assets$137,485,2503,793
Average earning assets$100,401,5004,321
Average equity$122,309,000629
Average total loansNANA
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1314%6,251
Cost of funding earning assets0.0019%6,323
Net interest margin2.1295%6,166
Noninterest income to average assets183.8069%4
Noninterest expense to average assets117.5317%5
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets41.8750%6
Return on assets (ROA)41.5910%6
Pretax return on assets67.4144%3
Return on Equity (ROE)46.9765%24
Retained earnings to average equity (ytd only)30.6482%29
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3970%4,447
Assets per employee ($millions)0.3187%6,329
Cash dividends to net income (ytd only)*34.7584%2,627
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,313
Net loans and leases to deposits0.0000%6,313
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3441%6,351
Equity capital to assets91.7252%9
Core capital (leverage) ratio98.4209%3
Tier 1 risk-based capital ratio308.9427%18
Total risk-based capital ratio308.9427%18
Memoranda:
Average total assets$138,347,3303,814
Average earning assets$102,841,0004,302
Average equity$122,486,670627
Average total loansNANA
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1732%6,315
Cost of funding earning assets0.0040%6,389
Net interest margin2.1692%6,223
Noninterest income to average assets184.9622%4
Noninterest expense to average assets118.3363%5
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets42.1841%6
Return on assets (ROA)41.9259%6
Pretax return on assets67.8241%3
Return on Equity (ROE)48.2921%25
Retained earnings to average equity (ytd only)14.1296%349
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.4294%4,568
Assets per employee ($millions)0.2917%6,400
Cash dividends to net income (ytd only)*70.7414%1,161
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,384
Net loans and leases to deposits0.0000%6,384
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3703%6,423
Equity capital to assets88.2572%15
Core capital (leverage) ratio90.1614%15
Tier 1 risk-based capital ratio293.4407%18
Total risk-based capital ratio293.4407%18
Memoranda:
Average total assets$134,866,5003,907
Average earning assets$99,578,0004,407
Average equity$117,087,500655
Average total loansNANA
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4809%6,331
Cost of funding earning assets0.0021%6,486
Net interest margin2.4788%6,174
Noninterest income to average assets179.1183%3
Noninterest expense to average assets135.0273%4
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets28.3084%8
Return on assets (ROA)28.1376%8
Pretax return on assets45.6893%8
Return on Equity (ROE)33.0016%43
Retained earnings to average equity (ytd only)3.4270%3,775
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6075%2,730
Assets per employee ($millions)0.2935%6,488
Cash dividends to net income (ytd only)*89.6156%598
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,475
Net loans and leases to deposits0.0000%6,475
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3712%6,513
Equity capital to assets85.3738%18
Core capital (leverage) ratio85.6513%13
Tier 1 risk-based capital ratio293.2482%19
Total risk-based capital ratio293.2482%19
Memoranda:
Average total assets$128,888,0003,994
Average earning assets$96,980,6004,482
Average equity$109,891,600667
Average total loansNANA
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5488%6,396
Cost of funding earning assets0.0028%6,566
Net interest margin2.5460%6,187
Noninterest income to average assets176.1126%4
Noninterest expense to average assets133.5960%5
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets27.5347%8
Return on assets (ROA)27.3940%8
Pretax return on assets44.2084%8
Return on Equity (ROE)32.1407%46
Retained earnings to average equity (ytd only)-7.7544%6,338
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.0438%2,656
Assets per employee ($millions)0.2812%6,569
Cash dividends to net income (ytd only)*124.1264%207
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,554
Net loans and leases to deposits0.0000%6,554
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3942%6,593
Equity capital to assets82.4999%22
Core capital (leverage) ratio82.6885%21
Tier 1 risk-based capital ratio304.9931%16
Total risk-based capital ratio304.9931%16
Memoranda:
Average total assets$127,435,7504,059
Average earning assets$95,676,2504,556
Average equity$108,615,500673
Average total loansNANA
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5444%6,464
Cost of funding earning assets0.0021%6,630
Net interest margin2.5423%6,229
Noninterest income to average assets174.2455%3
Noninterest expense to average assets129.1947%5
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets29.0088%8
Return on assets (ROA)28.8894%8
Pretax return on assets46.7649%8
Return on Equity (ROE)33.5392%45
Retained earnings to average equity (ytd only)6.2523%2,183
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3452%3,097
Assets per employee ($millions)0.2965%6,637
Cash dividends to net income (ytd only)*81.3581%863
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,288
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,622
Net loans and leases to deposits0.0000%6,622
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3642%6,660
Equity capital to assets83.5726%21
Core capital (leverage) ratio83.8482%18
Tier 1 risk-based capital ratio325.0215%15
Total risk-based capital ratio325.0215%15
Memoranda:
Average total assets$127,638,3304,080
Average earning assets$95,424,0004,597
Average equity$109,943,000663
Average total loansNANA
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7530%6,427
Cost of funding earning assets0.0044%6,697
Net interest margin2.7486%6,032
Noninterest income to average assets179.0146%4
Noninterest expense to average assets134.5004%7
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets28.7559%9
Return on assets (ROA)28.6601%9
Pretax return on assets46.4065%9
Return on Equity (ROE)32.7285%52
Retained earnings to average equity (ytd only)-23.0587%6,564
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.2863%3,084
Assets per employee ($millions)0.2621%6,708
Cash dividends to net income (ytd only)*170.4545%322
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,361
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,692
Net loans and leases to deposits0.0000%6,692
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.4211%6,730
Equity capital to assets88.1617%16
Core capital (leverage) ratio88.4012%15
Tier 1 risk-based capital ratio296.1935%21
Total risk-based capital ratio296.1935%21
Memoranda:
Average total assets$122,819,0004,217
Average earning assets$91,247,0004,745
Average equity$107,551,500677
Average total loansNANA
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9716%6,369
Cost of funding earning assets0.0026%6,791
Net interest margin2.9691%5,644
Noninterest income to average assets164.9314%4
Noninterest expense to average assets131.8678%5
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets21.7012%9
Return on assets (ROA)21.5421%9
Pretax return on assets34.7623%8
Return on Equity (ROE)24.2246%141
Retained earnings to average equity (ytd only)5.3955%2,349
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.0201%2,315
Assets per employee ($millions)0.2852%6,790
Cash dividends to net income (ytd only)*77.7273%1,005
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,461
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,772
Net loans and leases to deposits0.0000%6,772
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.3940%6,813
Equity capital to assets87.0146%18
Core capital (leverage) ratio87.0911%12
Tier 1 risk-based capital ratio332.1213%19
Total risk-based capital ratio332.1213%19
Memoranda:
Average total assets$119,445,4004,287
Average earning assets$78,341,2005,079
Average equity$106,218,400667
Average total loansNANA
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0179%6,406
Cost of funding earning assets0.0036%6,869
Net interest margin3.0142%5,559
Noninterest income to average assets164.0835%4
Noninterest expense to average assets131.8290%5
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets21.1901%9
Return on assets (ROA)21.0116%9
Pretax return on assets33.8669%8
Return on Equity (ROE)23.4919%152
Retained earnings to average equity (ytd only)-1.8636%6,249
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.4271%2,198
Assets per employee ($millions)0.2721%6,871
Cash dividends to net income (ytd only)*107.9331%328
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,542
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,855
Net loans and leases to deposits0.0000%6,854
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.4254%6,889
Equity capital to assets88.3775%12
Core capital (leverage) ratio88.6865%9
Tier 1 risk-based capital ratio327.0449%15
Total risk-based capital ratio327.0449%15
Memoranda:
Average total assets$117,582,7504,368
Average earning assets$73,781,2505,249
Average equity$105,168,500677
Average total loansNANA
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2000%6,228
Cost of funding earning assets0.0029%6,920
Net interest margin3.1971%4,962
Noninterest income to average assets162.6310%4
Noninterest expense to average assets130.7602%6
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets21.0091%8
Return on assets (ROA)20.8197%8
Pretax return on assets33.4728%8
Return on Equity (ROE)23.1854%172
Retained earnings to average equity (ytd only)4.2462%3,592
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.4755%2,227
Assets per employee ($millions)0.2826%6,919
Cash dividends to net income (ytd only)*81.6860%873
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,597
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,904
Net loans and leases to deposits0.0000%6,904
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.4222%6,940
Equity capital to assets90.7740%11
Core capital (leverage) ratio91.0751%9
Tier 1 risk-based capital ratio314.0926%17
Total risk-based capital ratio314.0926%17
Memoranda:
Average total assets$117,600,0004,401
Average earning assets$69,812,6705,400
Average equity$105,601,000677
Average total loansNANA
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1356%6,368
Cost of funding earning assets0.0056%6,992
Net interest margin3.1299%5,162
Noninterest income to average assets157.6108%5
Noninterest expense to average assets127.3529%5
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets19.9798%7
Return on assets (ROA)19.7658%7
Pretax return on assets31.8143%8
Return on Equity (ROE)22.1334%191
Retained earnings to average equity (ytd only)-16.0869%6,773
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.8442%2,357
Assets per employee ($millions)0.2754%6,996
Cash dividends to net income (ytd only)*172.6817%293
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,664
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,982
Net loans and leases to deposits0.0000%6,982
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.4374%7,018
Equity capital to assets89.5302%13
Core capital (leverage) ratio90.3117%10
Tier 1 risk-based capital ratio280.9352%20
Total risk-based capital ratio280.9352%20
Memoranda:
Average total assets$117,192,5004,460
Average earning assets$70,800,0005,418
Average equity$104,656,500693
Average total loansNANA
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5813%6,249
Cost of funding earning assets0.0026%7,068
Net interest margin3.5787%4,189
Noninterest income to average assets143.7707%6
Noninterest expense to average assets118.3299%6
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets17.3843%9
Return on assets (ROA)17.2968%9
Pretax return on assets27.7145%9
Return on Equity (ROE)19.1429%352
Retained earnings to average equity (ytd only)9.4346%710
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.9474%2,012
Assets per employee ($millions)0.2972%7,058
Cash dividends to net income (ytd only)*50.7151%2,276
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,725
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,047
Net loans and leases to deposits0.0000%7,047
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.4164%7,082
Equity capital to assets89.0869%15
Core capital (leverage) ratio89.9729%9
Tier 1 risk-based capital ratio311.6573%19
Total risk-based capital ratio311.6573%19
Memoranda:
Average total assets$113,998,2004,495
Average earning assets$76,787,4005,219
Average equity$103,004,200690
Average total loansNANA
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6424%6,330
Cost of funding earning assets0.0034%7,168
Net interest margin3.6390%4,062
Noninterest income to average assets142.1429%6
Noninterest expense to average assets117.4237%6
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets16.9368%9
Return on assets (ROA)16.8730%9
Pretax return on assets27.1410%8
Return on Equity (ROE)18.6042%429
Retained earnings to average equity (ytd only)5.5339%3,015
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.1698%1,909
Assets per employee ($millions)0.2892%7,156
Cash dividends to net income (ytd only)*70.2543%915
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,825
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,148
Net loans and leases to deposits0.0000%7,147
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.4411%7,180
Equity capital to assets89.9899%12
Core capital (leverage) ratio91.1690%10
Tier 1 risk-based capital ratio309.9718%17
Total risk-based capital ratio309.9718%17
Memoranda:
Average total assets$112,476,5004,574
Average earning assets$77,931,2505,244
Average equity$102,010,250702
Average total loansNANA
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6715%6,383
Cost of funding earning assets0.0025%7,231
Net interest margin3.6689%3,961
Noninterest income to average assets140.3613%6
Noninterest expense to average assets117.6503%6
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets15.6338%10
Return on assets (ROA)15.5745%10
Pretax return on assets25.2212%8
Return on Equity (ROE)17.1276%622
Retained earnings to average equity (ytd only)17.1276%176
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.2935%1,846
Assets per employee ($millions)0.2922%7,221
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,209
Net loans and leases to deposits0.0000%7,209
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.4343%7,247
Equity capital to assets92.3131%9
Core capital (leverage) ratio93.4952%5
Tier 1 risk-based capital ratio363.2198%13
Total risk-based capital ratio363.2198%13
Memoranda:
Average total assets$112,183,3304,614
Average earning assets$79,587,0005,223
Average equity$102,010,670699
Average total loansNANA
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8513%6,139
Cost of funding earning assets0.0051%7,289
Net interest margin3.8461%3,152
Noninterest income to average assets140.4097%6
Noninterest expense to average assets113.7180%6
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets18.1637%9
Return on assets (ROA)18.1220%9
Pretax return on assets29.3327%7
Return on Equity (ROE)20.0878%383
Retained earnings to average equity (ytd only)20.0878%187
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.4588%2,274
Assets per employee ($millions)0.2821%7,284
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,966
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,271
Net loans and leases to deposits0.0000%7,271
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.4442%7,308
Equity capital to assets90.8131%7
Core capital (leverage) ratio88.6043%9
Tier 1 risk-based capital ratio307.5464%14
Total risk-based capital ratio307.5464%14
Memoranda:
Average total assets$110,716,0004,692
Average earning assets$77,896,5005,305
Average equity$99,881,500715
Average total loansNANA
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0549%6,354
Cost of funding earning assets0.0028%7,345
Net interest margin4.0522%2,627
Noninterest income to average assets132.6639%9
Noninterest expense to average assets110.6895%8
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets15.1101%9
Return on assets (ROA)15.0878%9
Pretax return on assets24.5583%9
Return on Equity (ROE)16.7934%496
Retained earnings to average equity (ytd only)1.8712%4,878
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.8209%2,046
Assets per employee ($millions)0.2656%7,331
Cash dividends to net income (ytd only)*88.8573%544
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,026
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,320
Net loans and leases to deposits0.0000%7,320
Net loans and leases to core deposits0.0000%7,305
Total domestic deposits to total assets0.4592%7,355
Equity capital to assets89.5951%8
Core capital (leverage) ratio90.6419%5
Tier 1 risk-based capital ratio333.2594%14
Total risk-based capital ratio333.2594%14
Memoranda:
Average total assets$111,885,0004,596
Average earning assets$72,307,2005,463
Average equity$100,521,400682
Average total loansNANA
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1105%6,389
Cost of funding earning assets0.0037%7,421
Net interest margin4.1068%2,447
Noninterest income to average assets132.1048%9
Noninterest expense to average assets109.6034%7
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets15.3778%10
Return on assets (ROA)15.3588%10
Pretax return on assets25.0689%10
Return on Equity (ROE)17.0837%557
Retained earnings to average equity (ytd only)17.0837%139
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.3674%2,062
Assets per employee ($millions)0.2998%7,410
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,097
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,401
Net loans and leases to deposits0.0000%7,400
Net loans and leases to core deposits0.0000%7,385
Total domestic deposits to total assets0.4201%7,435
Equity capital to assets91.2620%9
Core capital (leverage) ratio92.1958%8
Tier 1 risk-based capital ratio249.3237%24
Total risk-based capital ratio249.3237%24
Memoranda:
Average total assets$112,636,0004,608
Average earning assets$71,229,7505,537
Average equity$101,263,750686
Average total loansNANA
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1605%6,366
Cost of funding earning assets0.0028%7,491
Net interest margin4.1577%2,196
Noninterest income to average assets136.5087%9
Noninterest expense to average assets110.0499%7
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets17.8676%9
Return on assets (ROA)17.8479%9
Pretax return on assets29.1082%7
Return on Equity (ROE)19.9605%313
Retained earnings to average equity (ytd only)19.9605%92
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.0651%2,546
Assets per employee ($millions)0.2869%7,488
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,475
Net loans and leases to deposits0.0000%7,474
Net loans and leases to core deposits0.0000%7,460
Total domestic deposits to total assets0.4446%7,513
Equity capital to assets92.7695%8
Core capital (leverage) ratio93.3995%9
Tier 1 risk-based capital ratio271.1216%21
Total risk-based capital ratio271.1216%21
Memoranda:
Average total assets$110,511,6704,690
Average earning assets$71,242,0005,582
Average equity$98,815,000698
Average total loansNANA
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1049%6,489
Cost of funding earning assets0.0054%7,553
Net interest margin4.0995%2,273
Noninterest income to average assets134.8555%9
Noninterest expense to average assets110.9615%7
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets16.3412%10
Return on assets (ROA)16.3201%10
Pretax return on assets26.6183%8
Return on Equity (ROE)18.6103%430
Retained earnings to average equity (ytd only)18.6103%216
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.6332%2,418
Assets per employee ($millions)0.2675%7,548
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,537
Net loans and leases to deposits0.0000%7,537
Net loans and leases to core deposits0.0000%7,521
Total domestic deposits to total assets0.4744%7,573
Equity capital to assets93.1223%5
Core capital (leverage) ratio93.5215%6
Tier 1 risk-based capital ratio298.0548%20
Total risk-based capital ratio298.0548%20
Memoranda:
Average total assets$109,533,5004,744
Average earning assets$73,667,5005,549
Average equity$96,054,500701
Average total loansNANA
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1037%7,044
Cost of funding earning assets0.0059%7,637
Net interest margin4.0979%2,573
Noninterest income to average assets132.1386%8
Noninterest expense to average assets113.1029%7
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets12.9411%10
Return on assets (ROA)12.9587%11
Pretax return on assets21.7098%10
Return on Equity (ROE)14.4838%796
Retained earnings to average equity (ytd only)4.4330%2,754
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.9134%1,930
Assets per employee ($millions)0.2849%7,629
Cash dividends to net income (ytd only)*69.3937%1,243
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,616
Net loans and leases to deposits0.0000%7,616
Net loans and leases to core deposits0.0000%7,598
Total domestic deposits to total assets0.4399%7,655
Equity capital to assets82.6611%23
Core capital (leverage) ratio82.9785%21
Tier 1 risk-based capital ratio288.6892%25
Total risk-based capital ratio288.6892%25
Memoranda:
Average total assets$105,643,6004,829
Average earning assets$68,230,6005,725
Average equity$94,519,200710
Average total loansNANA
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1789%7,119
Cost of funding earning assets0.0061%7,742
Net interest margin4.1727%2,323
Noninterest income to average assets132.2181%7
Noninterest expense to average assets114.0642%6
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets12.3809%11
Return on assets (ROA)12.4212%12
Pretax return on assets20.8440%11
Return on Equity (ROE)13.5994%1,122
Retained earnings to average equity (ytd only)13.5994%298
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.5890%1,775
Assets per employee ($millions)0.2738%7,733
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,720
Net loans and leases to deposits0.0000%7,720
Net loans and leases to core deposits0.0000%7,701
Total domestic deposits to total assets0.4554%7,759
Equity capital to assets91.2631%11
Core capital (leverage) ratio92.0950%9
Tier 1 risk-based capital ratio235.3252%34
Total risk-based capital ratio235.3252%34
Memoranda:
Average total assets$103,637,2504,945
Average earning assets$65,247,5005,885
Average equity$94,659,000708
Average total loansNANA
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0839%7,295
Cost of funding earning assets0.0062%7,810
Net interest margin4.0777%2,669
Noninterest income to average assets135.0911%9
Noninterest expense to average assets117.5508%7
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets11.9940%11
Return on assets (ROA)12.0394%12
Pretax return on assets20.2100%13
Return on Equity (ROE)13.1775%1,196
Retained earnings to average equity (ytd only)13.1775%362
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.3736%1,781
Assets per employee ($millions)0.2594%7,805
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,788
Net loans and leases to deposits0.0000%7,788
Net loans and leases to core deposits0.0000%7,770
Total domestic deposits to total assets0.4759%7,829
Equity capital to assets92.0438%12
Core capital (leverage) ratio92.9680%9
Tier 1 risk-based capital ratio257.1944%28
Total risk-based capital ratio257.1944%28
Memoranda:
Average total assets$101,583,3305,034
Average earning assets$64,742,3305,933
Average equity$92,810,000711
Average total loansNANA
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1463%7,330
Cost of funding earning assets0.0063%7,909
Net interest margin4.1401%2,268
Noninterest income to average assets137.2110%9
Noninterest expense to average assets121.5896%7
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets10.9594%16
Return on assets (ROA)10.9979%17
Pretax return on assets18.3258%16
Return on Equity (ROE)12.0849%1,478
Retained earnings to average equity (ytd only)12.0849%734
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.9396%1,694
Assets per employee ($millions)0.2427%7,910
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,889
Net loans and leases to deposits0.0000%7,889
Net loans and leases to core deposits0.0000%7,870
Total domestic deposits to total assets0.4976%7,932
Equity capital to assets92.0690%7
Core capital (leverage) ratio92.6260%7
Tier 1 risk-based capital ratio254.0675%26
Total risk-based capital ratio254.0675%26
Memoranda:
Average total assets$99,837,5005,156
Average earning assets$63,767,0006,035
Average equity$90,857,500725
Average total loansNANA
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4425%7,441
Cost of funding earning assets0.0164%7,993
Net interest margin4.4260%1,359
Noninterest income to average assets137.9593%8
Noninterest expense to average assets128.8167%6
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets7.1983%22
Return on assets (ROA)7.2566%21
Pretax return on assets12.0887%18
Return on Equity (ROE)8.0481%2,350
Retained earnings to average equity (ytd only)8.0481%686
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.4799%1,603
Assets per employee ($millions)0.2244%7,991
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%7,964
Net loans and leases to deposits0.0000%7,964
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.5041%8,007
Equity capital to assets89.9277%14
Core capital (leverage) ratio90.3357%12
Tier 1 risk-based capital ratio253.4260%24
Total risk-based capital ratio253.4260%24
Memoranda:
Average total assets$94,327,8005,262
Average earning assets$60,844,6006,098
Average equity$85,051,400754
Average total loansNANA
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5232%7,486
Cost of funding earning assets0.0199%8,077
Net interest margin4.5033%1,186
Noninterest income to average assets136.6921%8
Noninterest expense to average assets131.3096%6
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets4.9793%29
Return on assets (ROA)5.0517%30
Pretax return on assets8.4124%28
Return on Equity (ROE)5.5988%3,699
Retained earnings to average equity (ytd only)5.5988%2,156
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.0553%1,393
Assets per employee ($millions)0.2155%8,077
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%8,051
Net loans and leases to deposits0.0000%8,051
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.5238%8,095
Equity capital to assets90.4099%12
Core capital (leverage) ratio90.9296%13
Tier 1 risk-based capital ratio263.9904%22
Total risk-based capital ratio263.9904%22
Memoranda:
Average total assets$93,114,0005,327
Average earning assets$60,309,7506,163
Average equity$84,016,000775
Average total loansNANA
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7226%7,358
Cost of funding earning assets0.0270%8,169
Net interest margin4.6956%804
Noninterest income to average assets136.1985%6
Noninterest expense to average assets133.4693%6
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets3.4449%43
Return on assets (ROA)3.5350%45
Pretax return on assets5.8873%33
Return on Equity (ROE)3.9205%4,525
Retained earnings to average equity (ytd only)3.9205%3,097
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.8722%1,386
Assets per employee ($millions)0.2049%8,172
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%8,143
Net loans and leases to deposits0.0000%8,143
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.5422%8,192
Equity capital to assets91.1194%13
Core capital (leverage) ratio91.4664%14
Tier 1 risk-based capital ratio292.9751%22
Total risk-based capital ratio292.9751%22
Memoranda:
Average total assets$92,334,3305,393
Average earning assets$59,332,0006,261
Average equity$83,255,000790
Average total loansNANA
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9358%7,086
Cost of funding earning assets0.0272%8,222
Net interest margin4.9086%494
Noninterest income to average assets135.6603%8
Noninterest expense to average assets137.5868%7
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.7133%3,491
Return on assets (ROA)0.8269%3,169
Pretax return on assets1.3767%2,036
Return on Equity (ROE)0.9219%6,147
Retained earnings to average equity (ytd only)0.9219%5,282
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio99.1359%1,169
Assets per employee ($millions)0.2074%8,224
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%8,196
Net loans and leases to deposits0.0000%8,196
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.5429%8,243
Equity capital to assets90.3099%10
Core capital (leverage) ratio90.8215%12
Tier 1 risk-based capital ratio306.4218%21
Total risk-based capital ratio306.4218%21
Memoranda:
Average total assets$92,395,5005,409
Average earning assets$58,835,5006,308
Average equity$82,871,000797
Average total loansNANA
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9231%7,884
Cost of funding earning assets0.0340%8,277
Net interest margin4.8892%644
Noninterest income to average assets181.7301%8
Noninterest expense to average assets155.2005%6
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets17.7808%11
Return on assets (ROA)18.3606%11
Pretax return on assets30.6409%10
Return on Equity (ROE)20.8892%313
Retained earnings to average equity (ytd only)20.8892%26
Net charge-offs to loansNANA
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.9214%2,063
Assets per employee ($millions)0.1865%8,279
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%8,249
Net loans and leases to deposits0.0000%8,249
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.5394%8,297
Equity capital to assets89.0772%15
Core capital (leverage) ratio89.6351%14
Tier 1 risk-based capital ratio273.6695%28
Total risk-based capital ratio273.6695%28
Memoranda:
Average total assets$85,323,8005,504
Average earning assets$55,940,0006,339
Average equity$74,995,600885
Average total loansNANA