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State Bank of Lake Park, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4284%680
Cost of funding earning assets0.4612%1,120
Net interest margin3.9672%755
Noninterest income to average assets0.0752%4,668
Noninterest expense to average assets2.6193%1,823
Loan and lease loss provision to assets0.0155%2,771
Net operating income to assets1.0146%2,617
Return on assets (ROA)1.0168%2,681
Pretax return on assets1.0168%3,214
Return on Equity (ROE)10.9922%2,170
Retained earnings to average equity (ytd only)5.6634%2,497
Net charge-offs to loans0.3046%281
Credit loss provision to net charge-offs10.2941%2,308
Earnings coverage of net charge-offs (x)6.8529%2,376
Efficiency ratio71.7747%1,532
Assets per employee ($millions)5.2228%3,541
Cash dividends to net income (ytd only)*48.4783%1,602
Condition Ratios (%)
Loss allowance to loans1.7071%1,033
Loan loss allowance to noncurrent loans107.9882%3,330
Noncurrent assets plus other real estate owned to assets0.7297%856
Noncurrent loans to loans1.5808%561
Net loans and leases to total assets44.7101%3,784
Net loans and leases to deposits49.2732%3,927
Net loans and leases to core deposits51.6211%3,918
Total domestic deposits to total assets90.7393%610
Equity capital to assets9.1692%3,446
Core capital (leverage) ratio9.3322%3,032
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$45,240,4004,610
Average earning assets$40,759,6004,613
Average equity$4,184,8004,692
Average total loans$22,324,4004,530
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4472%744
Cost of funding earning assets0.4879%1,115
Net interest margin3.9593%849
Noninterest income to average assets0.0923%4,698
Noninterest expense to average assets2.6547%1,692
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.0119%2,859
Return on assets (ROA)1.0149%2,916
Pretax return on assets1.0149%3,410
Return on Equity (ROE)10.9463%2,383
Retained earnings to average equity (ytd only)4.0447%3,564
Net charge-offs to loans-0.0059%3,488
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.4026%1,368
Assets per employee ($millions)4.5109%4,117
Cash dividends to net income (ytd only)*63.0499%768
Condition Ratios (%)
Loss allowance to loans1.8486%848
Loan loss allowance to noncurrent loans139.5425%3,009
Noncurrent assets plus other real estate owned to assets0.7027%1,061
Noncurrent loans to loans1.3248%811
Net loans and leases to total assets50.2583%3,386
Net loans and leases to deposits55.5566%3,618
Net loans and leases to core deposits58.3267%3,596
Total domestic deposits to total assets90.4631%580
Equity capital to assets9.4460%3,427
Core capital (leverage) ratio9.4869%3,030
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$44,799,2504,683
Average earning assets$40,443,7504,678
Average equity$4,153,5004,762
Average total loans$22,560,2504,582
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4641%771
Cost of funding earning assets0.5261%1,056
Net interest margin3.9380%911
Noninterest income to average assets0.0850%4,745
Noninterest expense to average assets2.6893%1,617
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.9128%3,182
Return on assets (ROA)0.9173%3,246
Pretax return on assets0.9173%3,620
Return on Equity (ROE)9.9571%2,754
Retained earnings to average equity (ytd only)-0.4857%4,563
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6584%1,191
Assets per employee ($millions)4.1033%4,389
Cash dividends to net income (ytd only)*104.8780%238
Condition Ratios (%)
Loss allowance to loans1.9093%726
Loan loss allowance to noncurrent loans134.3849%3,011
Noncurrent assets plus other real estate owned to assets0.7023%1,168
Noncurrent loans to loans1.4208%820
Net loans and leases to total assets48.4890%3,679
Net loans and leases to deposits53.4326%3,894
Net loans and leases to core deposits55.3641%3,939
Total domestic deposits to total assets90.7480%464
Equity capital to assets9.1501%3,656
Core capital (leverage) ratio9.0032%3,456
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$44,696,0004,708
Average earning assets$39,918,3334,715
Average equity$4,117,6674,796
Average total loans$22,381,0004,621
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4496%845
Cost of funding earning assets0.5741%995
Net interest margin3.8755%1,024
Noninterest income to average assets0.1529%4,439
Noninterest expense to average assets2.7520%1,486
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.8004%3,424
Return on assets (ROA)0.8004%3,493
Pretax return on assets0.8004%3,812
Return on Equity (ROE)8.6586%3,144
Retained earnings to average equity (ytd only)-12.2583%4,850
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.4684%1,000
Assets per employee ($millions)3.7736%4,596
Cash dividends to net income (ytd only)*241.5730%73
Condition Ratios (%)
Loss allowance to loans1.9092%730
Loan loss allowance to noncurrent loans134.3849%2,945
Noncurrent assets plus other real estate owned to assets0.7000%1,340
Noncurrent loans to loans1.4207%890
Net loans and leases to total assets48.3338%3,777
Net loans and leases to deposits53.0581%3,997
Net loans and leases to core deposits54.9593%4,052
Total domestic deposits to total assets91.0960%369
Equity capital to assets8.7914%3,883
Core capital (leverage) ratio8.9379%3,675
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$44,476,0004,731
Average earning assets$39,014,5004,741
Average equity$4,111,5004,821
Average total loans$22,415,5004,646
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9923%498
Cost of funding earning assets0.7357%1,537
Net interest margin4.2566%553
Noninterest income to average assets0.1505%4,541
Noninterest expense to average assets2.8597%1,789
Loan and lease loss provision to assets0.1408%2,596
Net operating income to assets0.9565%2,452
Return on assets (ROA)0.9565%2,600
Pretax return on assets0.9565%3,194
Return on Equity (ROE)9.6773%2,131
Retained earnings to average equity (ytd only)4.8878%2,322
Net charge-offs to loans0.4171%406
Credit loss provision to net charge-offs59.1837%3,094
Earnings coverage of net charge-offs (x)4.6122%2,960
Efficiency ratio72.2699%1,650
Assets per employee ($millions)4.3669%4,052
Cash dividends to net income (ytd only)*49.4924%1,864
Condition Ratios (%)
Loss allowance to loans1.8963%734
Loan loss allowance to noncurrent loans104.9140%3,259
Noncurrent assets plus other real estate owned to assets1.1656%760
Noncurrent loans to loans1.8074%688
Net loans and leases to total assets50.5874%3,780
Net loans and leases to deposits56.1212%3,987
Net loans and leases to core deposits58.2154%4,038
Total domestic deposits to total assets90.1395%510
Equity capital to assets9.7140%3,390
Core capital (leverage) ratio9.4846%3,137
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$41,193,0004,755
Average earning assets$36,837,0004,756
Average equity$4,071,4004,838
Average total loans$23,493,8004,654
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0771%523
Cost of funding earning assets0.7586%1,686
Net interest margin4.3185%563
Noninterest income to average assets0.1413%4,599
Noninterest expense to average assets2.8293%1,886
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets1.2027%1,628
Return on assets (ROA)1.2027%1,754
Pretax return on assets1.2027%2,379
Return on Equity (ROE)12.1126%1,337
Retained earnings to average equity (ytd only)5.6592%2,257
Net charge-offs to loans0.4550%335
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)4.5185%2,813
Efficiency ratio70.1711%1,859
Assets per employee ($millions)4.2522%4,091
Cash dividends to net income (ytd only)*53.2787%1,346
Condition Ratios (%)
Loss allowance to loans1.6435%993
Loan loss allowance to noncurrent loans101.3123%3,255
Noncurrent assets plus other real estate owned to assets1.1359%915
Noncurrent loans to loans1.6222%867
Net loans and leases to total assets54.3248%3,775
Net loans and leases to deposits60.3795%4,035
Net loans and leases to core deposits62.6968%4,068
Total domestic deposits to total assets89.9722%434
Equity capital to assets9.8772%3,357
Core capital (leverage) ratio9.6906%3,042
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$40,574,0004,791
Average earning assets$36,555,2504,785
Average equity$4,028,7504,865
Average total loans$23,737,7504,675
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0788%712
Cost of funding earning assets0.7737%1,972
Net interest margin4.3051%746
Noninterest income to average assets0.1703%4,440
Noninterest expense to average assets2.9355%1,753
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.1371%1,848
Return on assets (ROA)1.1371%1,969
Pretax return on assets1.1371%2,586
Return on Equity (ROE)11.4310%1,501
Retained earnings to average equity (ytd only)1.6114%3,906
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0787%1,672
Assets per employee ($millions)3.4868%4,670
Cash dividends to net income (ytd only)*85.9031%654
Condition Ratios (%)
Loss allowance to loans2.0026%429
Loan loss allowance to noncurrent loans66.7143%3,776
Noncurrent assets plus other real estate owned to assets1.6730%504
Noncurrent loans to loans3.0017%320
Net loans and leases to total assets54.6174%3,824
Net loans and leases to deposits60.5698%4,087
Net loans and leases to core deposits62.9091%4,135
Total domestic deposits to total assets90.1726%355
Equity capital to assets9.6530%3,521
Core capital (leverage) ratio9.5396%3,302
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$39,924,6674,824
Average earning assets$36,190,0004,816
Average equity$3,971,6674,899
Average total loans$23,821,6674,693
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9479%1,065
Cost of funding earning assets0.7655%2,580
Net interest margin4.1824%958
Noninterest income to average assets0.2053%4,320
Noninterest expense to average assets2.8024%2,424
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.2729%1,317
Return on assets (ROA)1.2729%1,416
Pretax return on assets1.2729%1,956
Return on Equity (ROE)12.5952%959
Retained earnings to average equity (ytd only)-7.2118%4,657
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.7657%2,544
Assets per employee ($millions)3.3061%4,635
Cash dividends to net income (ytd only)*157.2581%430
Condition Ratios (%)
Loss allowance to loans1.9684%529
Loan loss allowance to noncurrent loans64.4138%3,836
Noncurrent assets plus other real estate owned to assets1.8274%490
Noncurrent loans to loans3.0558%344
Net loans and leases to total assets58.6243%3,625
Net loans and leases to deposits65.1558%3,916
Net loans and leases to core deposits67.8175%3,998
Total domestic deposits to total assets89.9756%328
Equity capital to assets9.8631%3,913
Core capital (leverage) ratio9.7707%3,682
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$38,966,0004,871
Average earning assets$36,056,0004,849
Average equity$3,938,0004,947
Average total loans$24,072,5004,720
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1707%1,062
Cost of funding earning assets0.6253%3,533
Net interest margin4.5454%659
Noninterest income to average assets0.2200%4,351
Noninterest expense to average assets3.1959%1,530
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.3197%1,616
Return on assets (ROA)1.3356%1,638
Pretax return on assets1.3356%2,378
Return on Equity (ROE)12.2945%1,398
Retained earnings to average equity (ytd only)-3.3176%4,923
Net charge-offs to loans-0.0041%4,312
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.7746%2,054
Assets per employee ($millions)2.5506%4,985
Cash dividends to net income (ytd only)*126.9841%156
Condition Ratios (%)
Loss allowance to loans1.9165%533
Loan loss allowance to noncurrent loans94.9290%3,363
Noncurrent assets plus other real estate owned to assets1.2886%865
Noncurrent loans to loans2.0188%635
Net loans and leases to total assets62.6049%3,346
Net loans and leases to deposits69.9737%3,676
Net loans and leases to core deposits74.0631%3,714
Total domestic deposits to total assets89.4691%500
Equity capital to assets10.3583%3,580
Core capital (leverage) ratio10.1469%3,360
Tier 1 risk-based capital ratio17.5103%1,888
Total risk-based capital ratio18.7712%1,836
Memoranda:
Average total assets$37,735,6004,927
Average earning assets$35,662,8004,902
Average equity$4,099,4004,982
Average total loans$24,132,4004,779
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1164%1,252
Cost of funding earning assets0.5885%3,748
Net interest margin4.5279%721
Noninterest income to average assets0.1985%4,530
Noninterest expense to average assets2.9889%2,011
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.4927%1,205
Return on assets (ROA)1.5140%1,211
Pretax return on assets1.5140%1,917
Return on Equity (ROE)13.7733%1,034
Retained earnings to average equity (ytd only)7.9673%1,410
Net charge-offs to loans-0.0055%4,229
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6930%2,635
Assets per employee ($millions)3.1716%4,775
Cash dividends to net income (ytd only)*42.1538%2,059
Condition Ratios (%)
Loss allowance to loans1.8586%597
Loan loss allowance to noncurrent loans91.7647%3,460
Noncurrent assets plus other real estate owned to assets1.3400%891
Noncurrent loans to loans2.0254%666
Net loans and leases to total assets64.9308%3,190
Net loans and leases to deposits74.5325%3,430
Net loans and leases to core deposits79.0354%3,467
Total domestic deposits to total assets87.1174%1,459
Equity capital to assets11.4270%2,711
Core capital (leverage) ratio11.2310%2,441
Tier 1 risk-based capital ratio20.0494%1,352
Total risk-based capital ratio21.3090%1,322
Memoranda:
Average total assets$37,604,7505,005
Average earning assets$35,571,0004,975
Average equity$4,133,5005,048
Average total loans$24,060,5004,852
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0837%1,261
Cost of funding earning assets0.5605%3,837
Net interest margin4.5232%730
Noninterest income to average assets0.1922%4,604
Noninterest expense to average assets3.0491%1,868
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.4098%1,410
Return on assets (ROA)1.4098%1,460
Pretax return on assets1.4098%2,171
Return on Equity (ROE)12.9996%1,243
Retained earnings to average equity (ytd only)4.1362%3,177
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.4251%4,926
Assets per employee ($millions)2.8944%4,971
Cash dividends to net income (ytd only)*68.1818%1,159
Condition Ratios (%)
Loss allowance to loans1.9262%539
Loan loss allowance to noncurrent loans91.2109%3,469
Noncurrent assets plus other real estate owned to assets1.3607%895
Noncurrent loans to loans2.1118%653
Net loans and leases to total assets63.1940%3,429
Net loans and leases to deposits71.2151%3,748
Net loans and leases to core deposits74.2854%3,875
Total domestic deposits to total assets88.7368%771
Equity capital to assets11.1250%2,926
Core capital (leverage) ratio10.8573%2,733
Tier 1 risk-based capital ratio18.7895%1,604
Total risk-based capital ratio20.0482%1,565
Memoranda:
Average total assets$37,453,3305,046
Average earning assets$35,328,6705,019
Average equity$4,061,6705,096
Average total loans$23,687,3304,894
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9960%1,344
Cost of funding earning assets0.5386%3,875
Net interest margin4.4574%804
Noninterest income to average assets0.1927%4,601
Noninterest expense to average assets2.8261%2,479
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.5308%1,050
Return on assets (ROA)1.5308%1,076
Pretax return on assets1.5308%1,678
Return on Equity (ROE)14.3018%901
Retained earnings to average equity (ytd only)-3.7005%4,848
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.8649%3,103
Assets per employee ($millions)3.1404%4,882
Cash dividends to net income (ytd only)*125.8741%438
Condition Ratios (%)
Loss allowance to loans2.0336%467
Loan loss allowance to noncurrent loans90.1544%3,532
Noncurrent assets plus other real estate owned to assets1.3746%923
Noncurrent loans to loans2.2557%621
Net loans and leases to total assets59.6975%3,738
Net loans and leases to deposits66.9016%3,992
Net loans and leases to core deposits69.7603%4,089
Total domestic deposits to total assets89.2318%751
Equity capital to assets10.6408%3,212
Core capital (leverage) ratio10.5429%3,001
Tier 1 risk-based capital ratio18.7781%1,590
Total risk-based capital ratio20.0412%1,552
Memoranda:
Average total assets$37,366,5005,099
Average earning assets$34,908,0005,080
Average equity$3,999,5005,151
Average total loans$23,408,5004,960
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2217%672
Cost of funding earning assets0.4724%3,536
Net interest margin4.7493%443
Noninterest income to average assets0.1483%4,968
Noninterest expense to average assets3.1058%1,784
Loan and lease loss provision to assets0.3310%477
Net operating income to assets1.1571%2,353
Return on assets (ROA)1.1597%2,346
Pretax return on assets1.1597%3,063
Return on Equity (ROE)11.5330%1,890
Retained earnings to average equity (ytd only)5.8455%2,270
Net charge-offs to loans0.2425%799
Credit loss provision to net charge-offs215.5172%1,345
Earnings coverage of net charge-offs (x)9.6897%2,790
Efficiency ratio67.6081%2,614
Assets per employee ($millions)3.3680%4,688
Cash dividends to net income (ytd only)*49.3151%2,000
Condition Ratios (%)
Loss allowance to loans1.9578%512
Loan loss allowance to noncurrent loans88.7833%3,601
Noncurrent assets plus other real estate owned to assets1.4198%843
Noncurrent loans to loans2.2052%586
Net loans and leases to total assets63.1235%3,452
Net loans and leases to deposits70.8302%3,762
Net loans and leases to core deposits73.8964%3,861
Total domestic deposits to total assets89.1195%814
Equity capital to assets10.7671%2,912
Core capital (leverage) ratio10.8206%2,711
Tier 1 risk-based capital ratio18.1423%1,716
Total risk-based capital ratio19.4008%1,665
Memoranda:
Average total assets$37,767,8005,131
Average earning assets$35,352,8005,105
Average equity$3,797,8005,203
Average total loans$23,918,8004,972
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1760%660
Cost of funding earning assets0.4648%3,426
Net interest margin4.7113%462
Noninterest income to average assets0.1230%5,124
Noninterest expense to average assets2.9935%2,036
Loan and lease loss provision to assets0.4392%276
Net operating income to assets1.1068%2,634
Return on assets (ROA)1.1103%2,629
Pretax return on assets1.1103%3,355
Return on Equity (ROE)11.2352%2,074
Retained earnings to average equity (ytd only)4.8355%3,327
Net charge-offs to loans0.3286%508
Credit loss provision to net charge-offs211.8644%1,324
Earnings coverage of net charge-offs (x)7.4580%2,807
Efficiency ratio65.9443%2,879
Assets per employee ($millions)3.3777%4,707
Cash dividends to net income (ytd only)*56.9615%1,334
Condition Ratios (%)
Loss allowance to loans1.8784%625
Loan loss allowance to noncurrent loans83.3631%3,757
Noncurrent assets plus other real estate owned to assets1.5045%849
Noncurrent loans to loans2.2533%618
Net loans and leases to total assets65.5147%3,241
Net loans and leases to deposits73.2024%3,663
Net loans and leases to core deposits76.3431%3,777
Total domestic deposits to total assets89.4980%676
Equity capital to assets10.3970%3,237
Core capital (leverage) ratio10.3907%3,194
Tier 1 risk-based capital ratio17.0325%2,100
Total risk-based capital ratio18.2912%2,036
Memoranda:
Average total assets$37,947,7505,194
Average earning assets$35,573,5005,166
Average equity$3,750,0005,273
Average total loans$23,935,2505,029
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0676%704
Cost of funding earning assets0.4526%3,336
Net interest margin4.6150%534
Noninterest income to average assets0.1675%4,989
Noninterest expense to average assets3.0462%1,919
Loan and lease loss provision to assets0.6542%151
Net operating income to assets0.7903%3,886
Return on assets (ROA)0.7956%3,874
Pretax return on assets0.7956%4,259
Return on Equity (ROE)8.1889%3,421
Retained earnings to average equity (ytd only)-1.5085%5,115
Net charge-offs to loans0.5160%291
Credit loss provision to net charge-offs204.9180%1,285
Earnings coverage of net charge-offs (x)4.5246%2,785
Efficiency ratio67.8322%2,676
Assets per employee ($millions)3.1707%4,958
Cash dividends to net income (ytd only)*118.4211%255
Condition Ratios (%)
Loss allowance to loans1.8941%640
Loan loss allowance to noncurrent loans89.2308%3,665
Noncurrent assets plus other real estate owned to assets1.3667%1,020
Noncurrent loans to loans2.1227%672
Net loans and leases to total assets63.1649%3,496
Net loans and leases to deposits70.7103%3,802
Net loans and leases to core deposits73.6576%3,899
Total domestic deposits to total assets89.3293%802
Equity capital to assets9.7798%3,839
Core capital (leverage) ratio9.7143%3,867
Tier 1 risk-based capital ratio17.3776%1,973
Total risk-based capital ratio18.6394%1,927
Memoranda:
Average total assets$38,212,0005,250
Average earning assets$35,796,0005,221
Average equity$3,712,3305,340
Average total loans$23,644,3305,099
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9316%812
Cost of funding earning assets0.4606%3,125
Net interest margin4.4710%656
Noninterest income to average assets0.1776%4,963
Noninterest expense to average assets3.1232%1,759
Loan and lease loss provision to assets1.1803%68
Net operating income to assets0.0313%5,368
Return on assets (ROA)0.0313%5,365
Pretax return on assets0.0313%5,373
Return on Equity (ROE)0.3236%5,361
Retained earnings to average equity (ytd only)-19.0939%5,494
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0482%2,190
Assets per employee ($millions)3.2317%4,966
Cash dividends to net income (ytd only)*6,000.0000%1
Condition Ratios (%)
Loss allowance to loans2.1985%388
Loan loss allowance to noncurrent loans186.5455%2,384
Noncurrent assets plus other real estate owned to assets0.7091%2,198
Noncurrent loans to loans1.1785%1,551
Net loans and leases to total assets58.8473%3,868
Net loans and leases to deposits64.9191%4,157
Net loans and leases to core deposits67.2769%4,247
Total domestic deposits to total assets90.6472%428
Equity capital to assets9.2548%4,311
Core capital (leverage) ratio9.4809%4,089
Tier 1 risk-based capital ratio16.2010%2,390
Total risk-based capital ratio17.4650%2,334
Memoranda:
Average total assets$38,294,0005,302
Average earning assets$35,607,0005,282
Average equity$3,708,0005,394
Average total loans$23,218,0005,167
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0115%635
Cost of funding earning assets0.4577%2,700
Net interest margin4.5538%551
Noninterest income to average assets0.2736%4,490
Noninterest expense to average assets3.2351%1,540
Loan and lease loss provision to assets0.3373%490
Net operating income to assets0.9562%2,418
Return on assets (ROA)0.9588%2,445
Pretax return on assets0.9588%3,705
Return on Equity (ROE)9.6887%2,017
Retained earnings to average equity (ytd only)4.9114%2,183
Net charge-offs to loans0.6079%379
Credit loss provision to net charge-offs92.0290%2,749
Earnings coverage of net charge-offs (x)3.5290%3,594
Efficiency ratio71.4370%2,312
Assets per employee ($millions)3.1507%5,077
Cash dividends to net income (ytd only)*49.3075%2,331
Condition Ratios (%)
Loss allowance to loans1.7315%889
Loan loss allowance to noncurrent loans157.4803%2,710
Noncurrent assets plus other real estate owned to assets0.6718%2,296
Noncurrent loans to loans1.0995%1,611
Net loans and leases to total assets60.0455%3,826
Net loans and leases to deposits66.8867%4,116
Net loans and leases to core deposits69.1270%4,227
Total domestic deposits to total assets89.7720%648
Equity capital to assets10.1222%3,571
Core capital (leverage) ratio10.0999%3,322
Tier 1 risk-based capital ratio17.1487%2,041
Total risk-based capital ratio18.4069%1,994
Memoranda:
Average total assets$37,649,4005,368
Average earning assets$35,179,2005,345
Average equity$3,726,0005,454
Average total loans$22,700,4005,233
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0015%612
Cost of funding earning assets0.4595%2,620
Net interest margin4.5420%546
Noninterest income to average assets0.2623%4,632
Noninterest expense to average assets3.0984%1,806
Loan and lease loss provision to assets0.3900%355
Net operating income to assets1.0139%2,501
Return on assets (ROA)1.0139%2,538
Pretax return on assets1.0139%3,627
Return on Equity (ROE)10.3039%1,985
Retained earnings to average equity (ytd only)3.8911%3,604
Net charge-offs to loans-0.0177%4,809
Credit loss provision to net charge-offs-3,666.6667%5,149
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8189%2,738
Assets per employee ($millions)3.0928%5,183
Cash dividends to net income (ytd only)*62.2391%1,253
Condition Ratios (%)
Loss allowance to loans2.2680%364
Loan loss allowance to noncurrent loans140.8602%2,912
Noncurrent assets plus other real estate owned to assets1.0023%1,693
Noncurrent loans to loans1.6101%1,137
Net loans and leases to total assets60.8412%3,782
Net loans and leases to deposits68.2959%4,092
Net loans and leases to core deposits70.6464%4,206
Total domestic deposits to total assets89.0847%839
Equity capital to assets10.2713%3,617
Core capital (leverage) ratio9.9257%3,657
Tier 1 risk-based capital ratio16.9778%2,162
Total risk-based capital ratio18.2435%2,111
Memoranda:
Average total assets$37,609,7505,428
Average earning assets$35,108,5005,408
Average equity$3,700,7505,517
Average total loans$22,600,0005,293
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9926%569
Cost of funding earning assets0.4632%2,470
Net interest margin4.5294%533
Noninterest income to average assets0.2594%4,678
Noninterest expense to average assets3.0390%2,015
Loan and lease loss provision to assets0.5665%196
Net operating income to assets0.8471%3,169
Return on assets (ROA)0.8471%3,215
Pretax return on assets0.8471%4,104
Return on Equity (ROE)8.7344%2,643
Retained earnings to average equity (ytd only)-1.0372%5,239
Net charge-offs to loans-0.0267%4,905
Credit loss provision to net charge-offs-3,566.6667%5,034
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2521%2,963
Assets per employee ($millions)3.1139%5,177
Cash dividends to net income (ytd only)*111.8750%356
Condition Ratios (%)
Loss allowance to loans2.2977%376
Loan loss allowance to noncurrent loans138.1963%2,941
Noncurrent assets plus other real estate owned to assets1.0089%1,737
Noncurrent loans to loans1.6626%1,105
Net loans and leases to total assets59.2876%3,902
Net loans and leases to deposits65.8816%4,227
Net loans and leases to core deposits68.0907%4,344
Total domestic deposits to total assets89.9912%542
Equity capital to assets9.8991%4,034
Core capital (leverage) ratio9.5760%4,048
Tier 1 risk-based capital ratio16.5443%2,303
Total risk-based capital ratio17.8072%2,250
Memoranda:
Average total assets$37,775,3305,468
Average earning assets$34,971,6705,456
Average equity$3,663,6705,564
Average total loans$22,432,0005,339
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0083%519
Cost of funding earning assets0.4584%2,446
Net interest margin4.5499%479
Noninterest income to average assets0.2844%4,514
Noninterest expense to average assets3.0437%2,036
Loan and lease loss provision to assets0.1159%1,655
Net operating income to assets1.3060%1,221
Return on assets (ROA)1.3060%1,255
Pretax return on assets1.3060%2,214
Return on Equity (ROE)13.6039%880
Retained earnings to average equity (ytd only)-6.0340%5,446
Net charge-offs to loans-0.0179%4,683
Credit loss provision to net charge-offs-1,100.0000%4,445
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.1604%3,166
Assets per employee ($millions)3.1793%5,189
Cash dividends to net income (ytd only)*144.3548%410
Condition Ratios (%)
Loss allowance to loans1.8949%796
Loan loss allowance to noncurrent loans90.3846%3,796
Noncurrent assets plus other real estate owned to assets1.2267%1,422
Noncurrent loans to loans2.0965%835
Net loans and leases to total assets57.4035%4,023
Net loans and leases to deposits63.5225%4,332
Net loans and leases to core deposits65.5983%4,453
Total domestic deposits to total assets90.3672%526
Equity capital to assets9.5305%4,255
Core capital (leverage) ratio9.6063%3,987
Tier 1 risk-based capital ratio16.7735%2,256
Total risk-based capital ratio18.0329%2,222
Memoranda:
Average total assets$37,979,5005,524
Average earning assets$34,902,0005,520
Average equity$3,646,0005,628
Average total loans$22,310,5005,398
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9203%707
Cost of funding earning assets0.4807%2,250
Net interest margin4.4397%710
Noninterest income to average assets0.2867%4,692
Noninterest expense to average assets3.0871%2,078
Loan and lease loss provision to assets0.1858%1,269
Net operating income to assets1.1573%1,661
Return on assets (ROA)1.1573%1,756
Pretax return on assets1.1573%2,863
Return on Equity (ROE)12.0869%1,217
Retained earnings to average equity (ytd only)7.7068%959
Net charge-offs to loans0.1547%1,719
Credit loss provision to net charge-offs212.1212%1,343
Earnings coverage of net charge-offs (x)15.3333%2,211
Efficiency ratio69.6824%2,961
Assets per employee ($millions)3.1507%5,214
Cash dividends to net income (ytd only)*36.2385%3,051
Condition Ratios (%)
Loss allowance to loans1.8432%884
Loan loss allowance to noncurrent loans122.6866%3,211
Noncurrent assets plus other real estate owned to assets0.8861%2,137
Noncurrent loans to loans1.5024%1,334
Net loans and leases to total assets57.8899%4,076
Net loans and leases to deposits64.1659%4,403
Net loans and leases to core deposits65.0876%4,573
Total domestic deposits to total assets90.2190%554
Equity capital to assets9.6699%4,097
Core capital (leverage) ratio9.8099%3,731
Tier 1 risk-based capital ratio17.0372%2,148
Total risk-based capital ratio18.2935%2,093
Memoranda:
Average total assets$37,672,4005,578
Average earning assets$35,160,2005,561
Average equity$3,607,2005,688
Average total loans$21,335,4005,472
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9014%721
Cost of funding earning assets0.4958%2,131
Net interest margin4.4056%767
Noninterest income to average assets0.2905%4,690
Noninterest expense to average assets2.9614%2,426
Loan and lease loss provision to assets0.2480%764
Net operating income to assets1.2044%1,633
Return on assets (ROA)1.2044%1,726
Pretax return on assets1.2044%2,818
Return on Equity (ROE)12.6097%1,148
Retained earnings to average equity (ytd only)6.7499%1,755
Net charge-offs to loans0.2086%1,119
Credit loss provision to net charge-offs212.1212%1,383
Earnings coverage of net charge-offs (x)12.4239%2,392
Efficiency ratio67.0947%3,403
Assets per employee ($millions)3.0741%5,313
Cash dividends to net income (ytd only)*46.4705%2,053
Condition Ratios (%)
Loss allowance to loans1.9334%806
Loan loss allowance to noncurrent loans116.7614%3,301
Noncurrent assets plus other real estate owned to assets0.9542%2,170
Noncurrent loans to loans1.6558%1,287
Net loans and leases to total assets56.5128%4,252
Net loans and leases to deposits62.9933%4,558
Net loans and leases to core deposits63.9263%4,730
Total domestic deposits to total assets89.7124%587
Equity capital to assets10.1629%3,961
Core capital (leverage) ratio9.4205%4,298
Tier 1 risk-based capital ratio16.0361%2,607
Total risk-based capital ratio17.2957%2,549
Memoranda:
Average total assets$37,638,5005,640
Average earning assets$35,227,0005,617
Average equity$3,595,0005,748
Average total loans$21,094,7505,531
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8148%862
Cost of funding earning assets0.4917%2,174
Net interest margin4.3231%880
Noninterest income to average assets0.2850%4,745
Noninterest expense to average assets2.9983%2,353
Loan and lease loss provision to assets0.0792%2,558
Net operating income to assets1.2458%1,442
Return on assets (ROA)1.2458%1,552
Pretax return on assets1.2458%2,617
Return on Equity (ROE)13.3195%954
Retained earnings to average equity (ytd only)4.4022%3,112
Net charge-offs to loans0.2852%836
Credit loss provision to net charge-offs50.0000%2,666
Earnings coverage of net charge-offs (x)8.3667%2,518
Efficiency ratio69.3529%3,084
Assets per employee ($millions)3.1153%5,310
Cash dividends to net income (ytd only)*66.9492%1,283
Condition Ratios (%)
Loss allowance to loans1.6822%1,309
Loan loss allowance to noncurrent loans165.8986%2,658
Noncurrent assets plus other real estate owned to assets0.5805%3,286
Noncurrent loans to loans1.0140%2,260
Net loans and leases to total assets56.2823%4,277
Net loans and leases to deposits62.4852%4,617
Net loans and leases to core deposits63.3869%4,789
Total domestic deposits to total assets90.0730%462
Equity capital to assets9.8119%4,437
Core capital (leverage) ratio9.0439%4,777
Tier 1 risk-based capital ratio15.2789%2,947
Total risk-based capital ratio16.5330%2,879
Memoranda:
Average total assets$37,888,3305,706
Average earning assets$35,391,0005,682
Average equity$3,543,6705,820
Average total loans$21,040,3305,597
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7287%993
Cost of funding earning assets0.4978%2,131
Net interest margin4.2309%1,034
Noninterest income to average assets0.2727%4,780
Noninterest expense to average assets3.0413%2,266
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.1536%1,700
Return on assets (ROA)1.1536%1,817
Pretax return on assets1.1536%2,877
Return on Equity (ROE)12.6382%1,118
Retained earnings to average equity (ytd only)-5.5149%5,626
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.5000%2,723
Assets per employee ($millions)3.2392%5,212
Cash dividends to net income (ytd only)*143.6364%414
Condition Ratios (%)
Loss allowance to loans1.7622%1,223
Loan loss allowance to noncurrent loans119.8718%3,228
Noncurrent assets plus other real estate owned to assets0.8027%2,693
Noncurrent loans to loans1.4701%1,602
Net loans and leases to total assets53.6378%4,481
Net loans and leases to deposits58.9938%4,779
Net loans and leases to core deposits59.8044%4,953
Total domestic deposits to total assets90.9210%293
Equity capital to assets8.9581%5,209
Core capital (leverage) ratio8.6540%5,228
Tier 1 risk-based capital ratio14.6959%3,290
Total risk-based capital ratio15.9522%3,229
Memoranda:
Average total assets$38,141,0005,755
Average earning assets$35,358,5005,735
Average equity$3,481,5005,883
Average total loans$20,860,5005,651
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8061%919
Cost of funding earning assets0.5373%1,868
Net interest margin4.2688%1,026
Noninterest income to average assets0.2271%5,237
Noninterest expense to average assets2.8900%2,889
Loan and lease loss provision to assets0.3217%508
Net operating income to assets0.9678%2,534
Return on assets (ROA)0.9759%2,564
Pretax return on assets0.9759%3,555
Return on Equity (ROE)10.7838%1,693
Retained earnings to average equity (ytd only)6.0640%1,761
Net charge-offs to loans0.9344%222
Credit loss provision to net charge-offs62.9630%3,225
Earnings coverage of net charge-offs (x)2.5238%3,882
Efficiency ratio69.1462%3,373
Assets per employee ($millions)3.4011%4,977
Cash dividends to net income (ytd only)*43.7673%2,657
Condition Ratios (%)
Loss allowance to loans1.8246%1,090
Loan loss allowance to noncurrent loans125.0836%3,164
Noncurrent assets plus other real estate owned to assets1.4514%1,418
Noncurrent loans to loans1.4587%1,602
Net loans and leases to total assets53.7902%4,529
Net loans and leases to deposits59.3856%4,819
Net loans and leases to core deposits60.2299%4,969
Total domestic deposits to total assets90.5779%416
Equity capital to assets9.3045%4,786
Core capital (leverage) ratio9.1017%4,753
Tier 1 risk-based capital ratio16.2975%2,562
Total risk-based capital ratio17.5549%2,520
Memoranda:
Average total assets$36,990,2005,827
Average earning assets$34,248,4005,805
Average equity$3,347,6005,946
Average total loans$20,226,0005,712
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8288%887
Cost of funding earning assets0.5518%1,787
Net interest margin4.2770%1,007
Noninterest income to average assets0.1988%5,453
Noninterest expense to average assets2.7761%3,285
Loan and lease loss provision to assets0.3615%363
Net operating income to assets1.0121%2,414
Return on assets (ROA)1.0230%2,450
Pretax return on assets1.0230%3,528
Return on Equity (ROE)11.3848%1,578
Retained earnings to average equity (ytd only)5.0286%2,897
Net charge-offs to loans1.2501%131
Credit loss provision to net charge-offs52.9101%3,005
Earnings coverage of net charge-offs (x)2.0106%3,746
Efficiency ratio66.8990%3,734
Assets per employee ($millions)3.1947%5,295
Cash dividends to net income (ytd only)*55.8306%1,612
Condition Ratios (%)
Loss allowance to loans1.7270%1,411
Loan loss allowance to noncurrent loans139.7638%2,957
Noncurrent assets plus other real estate owned to assets1.4171%1,616
Noncurrent loans to loans1.2356%2,068
Net loans and leases to total assets57.4839%4,202
Net loans and leases to deposits64.7074%4,498
Net loans and leases to core deposits65.7071%4,712
Total domestic deposits to total assets88.8367%1,107
Equity capital to assets9.7519%4,447
Core capital (leverage) ratio8.9409%5,066
Tier 1 risk-based capital ratio16.3234%2,662
Total risk-based capital ratio17.5790%2,604
Memoranda:
Average total assets$36,884,7505,908
Average earning assets$34,072,7505,890
Average equity$3,314,2506,032
Average total loans$20,158,0005,785
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7603%968
Cost of funding earning assets0.5522%1,794
Net interest margin4.2081%1,095
Noninterest income to average assets0.2402%5,237
Noninterest expense to average assets2.6584%3,726
Loan and lease loss provision to assets0.5338%180
Net operating income to assets0.9128%2,807
Return on assets (ROA)0.8861%3,073
Pretax return on assets0.8861%4,004
Return on Equity (ROE)10.1322%2,010
Retained earnings to average equity (ytd only)0.4883%5,356
Net charge-offs to loans1.8876%79
Credit loss provision to net charge-offs52.9101%2,674
Earnings coverage of net charge-offs (x)1.4339%3,513
Efficiency ratio64.7594%4,233
Assets per employee ($millions)3.7296%4,365
Cash dividends to net income (ytd only)*95.1807%601
Condition Ratios (%)
Loss allowance to loans1.7116%1,571
Loan loss allowance to noncurrent loans136.5385%3,007
Noncurrent assets plus other real estate owned to assets1.5069%1,630
Noncurrent loans to loans1.2536%2,150
Net loans and leases to total assets54.6600%4,484
Net loans and leases to deposits59.9412%4,859
Net loans and leases to core deposits61.2671%4,991
Total domestic deposits to total assets91.1894%255
Equity capital to assets8.6873%5,539
Core capital (leverage) ratio8.5738%5,468
Tier 1 risk-based capital ratio15.6733%3,005
Total risk-based capital ratio16.9291%2,962
Memoranda:
Average total assets$37,465,6705,961
Average earning assets$34,409,6705,947
Average equity$3,276,6706,097
Average total loans$20,025,3305,846
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7408%964
Cost of funding earning assets0.5577%1,770
Net interest margin4.1831%1,104
Noninterest income to average assets0.2130%5,427
Noninterest expense to average assets2.6524%3,741
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.3955%1,042
Return on assets (ROA)1.3955%1,093
Pretax return on assets1.3955%1,902
Return on Equity (ROE)15.9029%582
Retained earnings to average equity (ytd only)-3.2777%5,812
Net charge-offs to loans0.0610%2,136
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)43.6667%921
Efficiency ratio65.5263%4,233
Assets per employee ($millions)3.8017%4,334
Cash dividends to net income (ytd only)*120.6107%514
Condition Ratios (%)
Loss allowance to loans2.2144%792
Loan loss allowance to noncurrent loans175.0000%2,471
Noncurrent assets plus other real estate owned to assets1.9491%1,229
Noncurrent loans to loans1.2654%2,261
Net loans and leases to total assets51.2245%4,728
Net loans and leases to deposits56.2394%5,034
Net loans and leases to core deposits57.4607%5,159
Total domestic deposits to total assets91.0829%340
Equity capital to assets8.7882%5,512
Core capital (leverage) ratio8.2128%5,799
Tier 1 risk-based capital ratio15.1391%3,358
Total risk-based capital ratio16.4023%3,273
Memoranda:
Average total assets$37,550,5006,014
Average earning assets$34,424,5006,005
Average equity$3,295,0006,150
Average total loans$19,667,5005,910
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8150%1,087
Cost of funding earning assets0.5883%1,875
Net interest margin4.2267%1,225
Noninterest income to average assets0.2887%5,052
Noninterest expense to average assets2.8142%3,423
Loan and lease loss provision to assets0.6745%189
Net operating income to assets0.6772%4,001
Return on assets (ROA)0.7393%3,787
Pretax return on assets0.7393%4,480
Return on Equity (ROE)8.8926%2,639
Retained earnings to average equity (ytd only)3.7648%3,539
Net charge-offs to loans0.3809%1,124
Credit loss provision to net charge-offs333.3333%786
Earnings coverage of net charge-offs (x)6.6800%3,157
Efficiency ratio67.5518%3,972
Assets per employee ($millions)3.3713%5,125
Cash dividends to net income (ytd only)*57.6642%1,863
Condition Ratios (%)
Loss allowance to loans2.2863%736
Loan loss allowance to noncurrent loans180.4878%2,435
Noncurrent assets plus other real estate owned to assets1.9820%1,289
Noncurrent loans to loans1.2667%2,335
Net loans and leases to total assets51.1703%4,859
Net loans and leases to deposits56.1653%5,176
Net loans and leases to core deposits57.4021%5,287
Total domestic deposits to total assets91.1067%336
Equity capital to assets8.7612%5,522
Core capital (leverage) ratio8.6588%5,382
Tier 1 risk-based capital ratio14.8935%3,546
Total risk-based capital ratio16.1534%3,474
Memoranda:
Average total assets$37,062,0006,102
Average earning assets$33,998,0006,088
Average equity$3,081,2006,257
Average total loans$19,688,4005,974
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7846%1,134
Cost of funding earning assets0.5893%1,933
Net interest margin4.1953%1,304
Noninterest income to average assets0.2807%5,193
Noninterest expense to average assets2.6769%3,909
Loan and lease loss provision to assets0.8995%127
Net operating income to assets0.5721%4,583
Return on assets (ROA)0.6476%4,320
Pretax return on assets0.6476%4,881
Return on Equity (ROE)7.8964%3,262
Retained earnings to average equity (ytd only)0.9650%5,497
Net charge-offs to loans0.1012%2,787
Credit loss provision to net charge-offs1,666.6667%214
Earnings coverage of net charge-offs (x)27.2660%1,455
Efficiency ratio64.5273%4,462
Assets per employee ($millions)3.2607%5,309
Cash dividends to net income (ytd only)*87.7787%570
Condition Ratios (%)
Loss allowance to loans2.5360%619
Loan loss allowance to noncurrent loans69.6133%4,495
Noncurrent assets plus other real estate owned to assets2.7016%930
Noncurrent loans to loans3.6430%640
Net loans and leases to total assets54.0036%4,575
Net loans and leases to deposits59.7710%4,969
Net loans and leases to core deposits61.1446%5,106
Total domestic deposits to total assets90.3507%596
Equity capital to assets8.6763%5,661
Core capital (leverage) ratio8.3763%5,782
Tier 1 risk-based capital ratio14.4543%3,913
Total risk-based capital ratio15.7192%3,841
Memoranda:
Average total assets$37,056,5006,177
Average earning assets$34,164,5006,157
Average equity$3,039,2506,334
Average total loans$19,755,5006,037
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8010%1,064
Cost of funding earning assets0.5885%1,992
Net interest margin4.2125%1,208
Noninterest income to average assets0.2937%5,071
Noninterest expense to average assets2.6594%4,020
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.4952%877
Return on assets (ROA)1.5166%881
Pretax return on assets1.5166%1,487
Return on Equity (ROE)18.8391%374
Retained earnings to average equity (ytd only)8.2919%1,214
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.0103%4,686
Assets per employee ($millions)3.3304%5,199
Cash dividends to net income (ytd only)*55.9859%1,679
Condition Ratios (%)
Loss allowance to loans1.3607%3,539
Loan loss allowance to noncurrent loans44.7587%5,367
Noncurrent assets plus other real estate owned to assets1.6406%1,998
Noncurrent loans to loans3.0401%942
Net loans and leases to total assets53.2292%4,623
Net loans and leases to deposits59.5474%4,905
Net loans and leases to core deposits60.8861%5,066
Total domestic deposits to total assets89.3896%1,163
Equity capital to assets8.8361%5,487
Core capital (leverage) ratio8.3731%5,771
Tier 1 risk-based capital ratio15.0043%3,643
Total risk-based capital ratio16.2558%3,585
Memoranda:
Average total assets$37,452,6706,229
Average earning assets$34,326,3306,218
Average equity$3,015,0006,391
Average total loans$19,716,0006,089
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8329%983
Cost of funding earning assets0.5720%2,226
Net interest margin4.2609%1,077
Noninterest income to average assets0.3064%4,906
Noninterest expense to average assets2.6306%4,178
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.5319%767
Return on assets (ROA)1.5319%801
Pretax return on assets1.5319%1,336
Return on Equity (ROE)19.9725%288
Retained earnings to average equity (ytd only)-1.9284%5,849
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1980%4,976
Assets per employee ($millions)3.4645%4,997
Cash dividends to net income (ytd only)*109.6552%587
Condition Ratios (%)
Loss allowance to loans1.3655%3,763
Loan loss allowance to noncurrent loans75.9887%4,299
Noncurrent assets plus other real estate owned to assets0.9289%3,406
Noncurrent loans to loans1.7970%2,144
Net loans and leases to total assets50.9866%4,799
Net loans and leases to deposits55.3795%5,166
Net loans and leases to core deposits56.5397%5,318
Total domestic deposits to total assets92.0677%229
Equity capital to assets7.7985%6,173
Core capital (leverage) ratio7.7722%6,235
Tier 1 risk-based capital ratio14.4255%4,047
Total risk-based capital ratio15.6743%4,009
Memoranda:
Average total assets$37,862,0006,288
Average earning assets$34,265,0006,280
Average equity$2,904,0006,470
Average total loans$19,689,5006,148
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0209%883
Cost of funding earning assets0.6704%2,035
Net interest margin4.3505%1,001
Noninterest income to average assets0.3304%4,974
Noninterest expense to average assets2.6972%4,107
Loan and lease loss provision to assets0.2166%1,686
Net operating income to assets1.3703%1,090
Return on assets (ROA)1.3865%1,092
Pretax return on assets1.3865%1,837
Return on Equity (ROE)16.6569%545
Retained earnings to average equity (ytd only)8.8490%806
Net charge-offs to loans0.0889%3,957
Credit loss provision to net charge-offs470.5882%490
Earnings coverage of net charge-offs (x)34.4706%1,069
Efficiency ratio62.9583%5,068
Assets per employee ($millions)3.4195%5,041
Cash dividends to net income (ytd only)*46.8750%2,441
Condition Ratios (%)
Loss allowance to loans1.3669%3,810
Loan loss allowance to noncurrent loans50.9470%5,218
Noncurrent assets plus other real estate owned to assets1.4037%2,641
Noncurrent loans to loans2.6831%1,370
Net loans and leases to total assets51.6031%4,907
Net loans and leases to deposits55.8995%5,310
Net loans and leases to core deposits57.0698%5,458
Total domestic deposits to total assets92.3140%233
Equity capital to assets7.5397%6,263
Core capital (leverage) ratio8.2996%5,877
Tier 1 risk-based capital ratio14.3786%4,027
Total risk-based capital ratio15.6271%3,973
Memoranda:
Average total assets$36,926,6006,366
Average earning assets$33,559,6006,358
Average equity$3,073,8006,523
Average total loans$19,129,4006,246
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0021%939
Cost of funding earning assets0.6756%2,133
Net interest margin4.3264%1,033
Noninterest income to average assets0.3192%5,137
Noninterest expense to average assets2.5466%4,571
Loan and lease loss provision to assets0.2902%1,186
Net operating income to assets1.4546%975
Return on assets (ROA)1.4583%1,018
Pretax return on assets1.4583%1,731
Return on Equity (ROE)17.1065%529
Retained earnings to average equity (ytd only)11.7871%454
Net charge-offs to loans0.1264%3,262
Credit loss provision to net charge-offs444.4444%596
Earnings coverage of net charge-offs (x)26.7217%1,340
Efficiency ratio59.3407%5,518
Assets per employee ($millions)3.2671%5,347
Cash dividends to net income (ytd only)*31.0939%2,653
Condition Ratios (%)
Loss allowance to loans1.3630%4,065
Loan loss allowance to noncurrent loans190.0709%2,085
Noncurrent assets plus other real estate owned to assets0.3923%5,241
Noncurrent loans to loans0.7171%4,420
Net loans and leases to total assets53.9652%4,619
Net loans and leases to deposits59.7990%4,995
Net loans and leases to core deposits61.1412%5,202
Total domestic deposits to total assets90.2443%868
Equity capital to assets8.2058%5,994
Core capital (leverage) ratio8.2962%5,972
Tier 1 risk-based capital ratio14.7745%3,893
Total risk-based capital ratio16.0263%3,853
Memoranda:
Average total assets$36,754,7506,437
Average earning assets$33,745,2506,428
Average equity$3,133,2506,585
Average total loans$18,992,0006,317
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9622%972
Cost of funding earning assets0.6928%2,121
Net interest margin4.2693%1,092
Noninterest income to average assets0.3133%5,197
Noninterest expense to average assets2.4523%4,889
Loan and lease loss provision to assets0.4321%687
Net operating income to assets1.3234%1,262
Return on assets (ROA)1.3288%1,327
Pretax return on assets1.3288%2,197
Return on Equity (ROE)15.4007%749
Retained earnings to average equity (ytd only)15.4007%216
Net charge-offs to loans0.4262%1,512
Credit loss provision to net charge-offs200.0000%1,183
Earnings coverage of net charge-offs (x)8.1250%2,451
Efficiency ratio58.2798%5,694
Assets per employee ($millions)3.6694%4,474
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.2705%4,644
Loan loss allowance to noncurrent loans59.7087%4,807
Noncurrent assets plus other real estate owned to assets1.1228%3,493
Noncurrent loans to loans2.1279%2,251
Net loans and leases to total assets52.0957%4,850
Net loans and leases to deposits56.8066%5,264
Net loans and leases to core deposits57.5853%5,458
Total domestic deposits to total assets91.7071%310
Equity capital to assets8.1430%6,102
Core capital (leverage) ratio7.9711%6,207
Tier 1 risk-based capital ratio14.6630%3,991
Total risk-based capital ratio15.8550%3,992
Memoranda:
Average total assets$37,027,0006,485
Average earning assets$33,775,6706,473
Average equity$3,194,6706,621
Average total loans$18,768,6706,365
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9194%1,032
Cost of funding earning assets0.7182%2,075
Net interest margin4.2013%1,177
Noninterest income to average assets0.3119%5,196
Noninterest expense to average assets2.4520%4,944
Loan and lease loss provision to assets0.8604%241
Net operating income to assets0.7743%3,312
Return on assets (ROA)0.7743%3,449
Pretax return on assets0.7743%4,278
Return on Equity (ROE)8.7326%2,609
Retained earnings to average equity (ytd only)8.7326%1,474
Net charge-offs to loans0.8878%686
Credit loss provision to net charge-offs195.1220%1,114
Earnings coverage of net charge-offs (x)3.7073%2,697
Efficiency ratio60.0000%5,586
Assets per employee ($millions)3.5235%4,936
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.3135%4,627
Loan loss allowance to noncurrent loans103.3755%3,270
Noncurrent assets plus other real estate owned to assets0.6115%4,860
Noncurrent loans to loans1.2706%3,652
Net loans and leases to total assets47.4947%5,281
Net loans and leases to deposits52.0220%5,616
Net loans and leases to core deposits52.6997%5,769
Total domestic deposits to total assets91.2973%410
Equity capital to assets8.5531%5,964
Core capital (leverage) ratio7.5863%6,427
Tier 1 risk-based capital ratio13.9715%4,528
Total risk-based capital ratio15.1717%4,520
Memoranda:
Average total assets$37,193,5006,541
Average earning assets$33,418,5006,544
Average equity$3,298,0006,663
Average total loans$18,472,0006,429
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4031%753
Cost of funding earning assets0.9967%1,379
Net interest margin4.4063%1,149
Noninterest income to average assets0.3143%5,205
Noninterest expense to average assets2.7370%4,263
Loan and lease loss provision to assets0.0771%4,743
Net operating income to assets1.4028%1,098
Return on assets (ROA)1.5142%985
Pretax return on assets1.5142%1,640
Return on Equity (ROE)16.9676%541
Retained earnings to average equity (ytd only)7.2673%1,443
Net charge-offs to loans-0.0329%6,627
Credit loss provision to net charge-offs-450.0000%6,504
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.9051%4,722
Assets per employee ($millions)3.2390%5,540
Cash dividends to net income (ytd only)*57.1698%1,942
Condition Ratios (%)
Loss allowance to loans1.1262%5,452
Loan loss allowance to noncurrent loans167.4797%2,162
Noncurrent assets plus other real estate owned to assets0.9515%4,125
Noncurrent loans to loans0.6725%4,853
Net loans and leases to total assets50.7592%5,067
Net loans and leases to deposits56.0219%5,445
Net loans and leases to core deposits56.8032%5,650
Total domestic deposits to total assets90.6060%660
Equity capital to assets9.2088%5,258
Core capital (leverage) ratio7.8787%6,297
Tier 1 risk-based capital ratio14.1361%4,288
Total risk-based capital ratio15.1836%4,396
Memoranda:
Average total assets$35,001,8006,628
Average earning assets$31,001,0006,636
Average equity$3,123,6006,753
Average total loans$18,218,0006,502
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4315%781
Cost of funding earning assets1.0362%1,364
Net interest margin4.3953%1,209
Noninterest income to average assets0.3138%5,275
Noninterest expense to average assets2.5790%4,809
Loan and lease loss provision to assets0.0077%5,710
Net operating income to assets1.6224%806
Return on assets (ROA)1.6339%868
Pretax return on assets1.6339%1,470
Return on Equity (ROE)18.4589%448
Retained earnings to average equity (ytd only)11.6288%590
Net charge-offs to loans-0.0366%6,627
Credit loss provision to net charge-offs-40.0000%6,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.2727%5,266
Assets per employee ($millions)3.4776%5,017
Cash dividends to net income (ytd only)*37.0020%2,320
Condition Ratios (%)
Loss allowance to loans0.9828%6,148
Loan loss allowance to noncurrent loans461.5385%826
Noncurrent assets plus other real estate owned to assets0.7304%4,856
Noncurrent loans to loans0.2129%6,073
Net loans and leases to total assets52.1480%5,025
Net loans and leases to deposits57.9115%5,441
Net loans and leases to core deposits58.7445%5,683
Total domestic deposits to total assets90.0477%826
Equity capital to assets9.7395%4,876
Core capital (leverage) ratio8.0918%6,238
Tier 1 risk-based capital ratio14.4525%4,217
Total risk-based capital ratio15.3744%4,397
Memoranda:
Average total assets$34,845,0006,723
Average earning assets$30,880,7506,727
Average equity$3,084,2506,856
Average total loans$18,199,7506,587
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4635%778
Cost of funding earning assets1.0744%1,338
Net interest margin4.3891%1,233
Noninterest income to average assets0.3097%5,337
Noninterest expense to average assets2.5812%4,844
Loan and lease loss provision to assets0.0115%5,520
Net operating income to assets1.5602%896
Return on assets (ROA)1.5602%1,002
Pretax return on assets1.5602%1,669
Return on Equity (ROE)18.2347%482
Retained earnings to average equity (ytd only)7.6425%1,790
Net charge-offs to loans-0.0330%6,556
Credit loss provision to net charge-offs-66.6667%6,026
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.1547%5,222
Assets per employee ($millions)3.2569%5,543
Cash dividends to net income (ytd only)*58.0882%1,440
Condition Ratios (%)
Loss allowance to loans0.9811%6,227
Loan loss allowance to noncurrent loans94.6809%3,341
Noncurrent assets plus other real estate owned to assets1.1249%4,139
Noncurrent loans to loans1.0363%4,441
Net loans and leases to total assets50.1424%5,336
Net loans and leases to deposits55.1839%5,746
Net loans and leases to core deposits55.9295%5,951
Total domestic deposits to total assets90.8642%497
Equity capital to assets8.9265%5,779
Core capital (leverage) ratio7.5763%6,581
Tier 1 risk-based capital ratio13.4087%4,898
Total risk-based capital ratio14.3037%5,126
Memoranda:
Average total assets$34,868,0006,767
Average earning assets$30,530,0006,782
Average equity$2,983,3306,913
Average total loans$18,161,3306,639
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6236%598
Cost of funding earning assets1.1649%1,128
Net interest margin4.4587%1,093
Noninterest income to average assets0.3489%5,067
Noninterest expense to average assets2.5822%4,886
Loan and lease loss provision to assets0.0233%5,052
Net operating income to assets1.6168%837
Return on assets (ROA)1.6168%937
Pretax return on assets1.6168%1,517
Return on Equity (ROE)19.3324%425
Retained earnings to average equity (ytd only)-2.6426%6,353
Net charge-offs to loans-0.0440%6,487
Credit loss provision to net charge-offs-100.0000%5,492
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.1570%5,432
Assets per employee ($millions)3.1921%5,789
Cash dividends to net income (ytd only)*113.6691%448
Condition Ratios (%)
Loss allowance to loans0.9667%6,369
Loan loss allowance to noncurrent loans45.5013%5,329
Noncurrent assets plus other real estate owned to assets1.1079%4,280
Noncurrent loans to loans2.1245%2,997
Net loans and leases to total assets51.6418%5,068
Net loans and leases to deposits56.3767%5,562
Net loans and leases to core deposits57.1478%5,801
Total domestic deposits to total assets91.6014%349
Equity capital to assets8.1765%6,384
Core capital (leverage) ratio7.3937%6,689
Tier 1 risk-based capital ratio12.8572%5,317
Total risk-based capital ratio13.7556%5,562
Memoranda:
Average total assets$34,389,0006,835
Average earning assets$29,874,0006,852
Average equity$2,876,0006,984
Average total loans$18,171,0006,699
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9975%433
Cost of funding earning assets1.4214%948
Net interest margin4.5761%968
Noninterest income to average assets0.1948%6,107
Noninterest expense to average assets3.0215%3,513
Loan and lease loss provision to assets0.0351%6,123
Net operating income to assets1.1690%1,608
Return on assets (ROA)1.3159%1,306
Pretax return on assets1.3159%2,067
Return on Equity (ROE)15.7673%641
Retained earnings to average equity (ytd only)5.8936%2,083
Net charge-offs to loans-0.0169%6,938
Credit loss provision to net charge-offs-366.6667%6,795
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.5042%3,690
Assets per employee ($millions)3.0605%5,976
Cash dividends to net income (ytd only)*62.6214%1,445
Condition Ratios (%)
Loss allowance to loans0.9594%6,366
Loan loss allowance to noncurrent loans38.0220%5,725
Noncurrent assets plus other real estate owned to assets1.5892%3,563
Noncurrent loans to loans2.5233%2,609
Net loans and leases to total assets53.0492%5,165
Net loans and leases to deposits58.1670%5,681
Net loans and leases to core deposits58.9815%5,938
Total domestic deposits to total assets91.2015%427
Equity capital to assets8.5578%6,063
Core capital (leverage) ratio7.9224%6,332
Tier 1 risk-based capital ratio13.3595%4,797
Total risk-based capital ratio14.2648%5,032
Memoranda:
Average total assets$31,309,2006,933
Average earning assets$27,578,0006,935
Average equity$2,613,0007,092
Average total loans$17,784,8006,766
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0661%412
Cost of funding earning assets1.4726%945
Net interest margin4.5934%961
Noninterest income to average assets0.3385%5,146
Noninterest expense to average assets2.9556%3,723
Loan and lease loss provision to assets0.0434%5,896
Net operating income to assets1.4279%1,105
Return on assets (ROA)1.5928%856
Pretax return on assets1.5928%1,410
Return on Equity (ROE)19.2192%364
Retained earnings to average equity (ytd only)10.9450%643
Net charge-offs to loans-0.0151%6,847
Credit loss provision to net charge-offs-500.0000%6,665
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.7647%4,572
Assets per employee ($millions)3.1076%5,882
Cash dividends to net income (ytd only)*43.0516%1,900
Condition Ratios (%)
Loss allowance to loans0.9561%6,432
Loan loss allowance to noncurrent loans65.2672%4,202
Noncurrent assets plus other real estate owned to assets1.5092%3,848
Noncurrent loans to loans1.4649%4,101
Net loans and leases to total assets57.0022%4,684
Net loans and leases to deposits63.1673%5,272
Net loans and leases to core deposits64.1370%5,597
Total domestic deposits to total assets90.2401%750
Equity capital to assets9.5057%5,073
Core capital (leverage) ratio8.3630%5,905
Tier 1 risk-based capital ratio14.0479%4,323
Total risk-based capital ratio14.9690%4,525
Memoranda:
Average total assets$30,720,2507,017
Average earning assets$27,342,7507,009
Average equity$2,546,0007,180
Average total loans$17,723,0006,835
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0521%429
Cost of funding earning assets1.5020%997
Net interest margin4.5501%1,011
Noninterest income to average assets0.3006%5,483
Noninterest expense to average assets2.9541%3,816
Loan and lease loss provision to assets0.0654%5,491
Net operating income to assets1.3202%1,270
Return on assets (ROA)1.5555%848
Pretax return on assets1.5555%1,366
Return on Equity (ROE)19.7510%329
Retained earnings to average equity (ytd only)6.6390%2,058
Net charge-offs to loans-0.0113%6,710
Credit loss provision to net charge-offs-1,000.0000%6,582
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0723%4,497
Assets per employee ($millions)3.0785%5,924
Cash dividends to net income (ytd only)*66.3866%1,139
Condition Ratios (%)
Loss allowance to loans0.9576%6,490
Loan loss allowance to noncurrent loans65.6371%4,154
Noncurrent assets plus other real estate owned to assets1.5040%3,947
Noncurrent loans to loans1.4589%4,235
Net loans and leases to total assets57.1155%4,802
Net loans and leases to deposits62.7404%5,423
Net loans and leases to core deposits63.6834%5,759
Total domestic deposits to total assets91.0346%486
Equity capital to assets8.5594%6,114
Core capital (leverage) ratio7.8921%6,420
Tier 1 risk-based capital ratio13.3552%4,647
Total risk-based capital ratio14.2711%4,881
Memoranda:
Average total assets$30,601,6707,090
Average earning assets$27,164,0007,080
Average equity$2,410,0007,269
Average total loans$17,669,0006,907
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1478%365
Cost of funding earning assets1.5482%983
Net interest margin4.5996%862
Noninterest income to average assets0.3278%5,288
Noninterest expense to average assets2.9105%4,019
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.4290%1,017
Return on assets (ROA)1.4159%1,073
Pretax return on assets1.4159%1,680
Return on Equity (ROE)18.8030%411
Retained earnings to average equity (ytd only)-8.7051%6,801
Net charge-offs to loans-0.0227%6,612
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0695%4,841
Assets per employee ($millions)2.8663%6,411
Cash dividends to net income (ytd only)*146.2963%345
Condition Ratios (%)
Loss allowance to loans0.9065%6,682
Loan loss allowance to noncurrent loans78.0488%3,608
Noncurrent assets plus other real estate owned to assets0.9356%5,015
Noncurrent loans to loans1.1615%4,761
Net loans and leases to total assets55.4727%5,084
Net loans and leases to deposits60.0536%5,723
Net loans and leases to core deposits60.9217%6,023
Total domestic deposits to total assets92.3721%195
Equity capital to assets7.2029%7,011
Core capital (leverage) ratio7.6642%6,586
Tier 1 risk-based capital ratio12.9322%4,874
Total risk-based capital ratio13.8130%5,183
Memoranda:
Average total assets$30,510,0007,141
Average earning assets$26,611,0007,154
Average equity$2,297,5007,339
Average total loans$17,627,0006,962
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2352%529
Cost of funding earning assets1.7776%1,266
Net interest margin4.4577%1,330
Noninterest income to average assets0.4557%4,476
Noninterest expense to average assets3.2567%2,886
Loan and lease loss provision to assets0.0456%6,712
Net operating income to assets1.1358%1,592
Return on assets (ROA)1.1358%1,672
Pretax return on assets1.1358%2,442
Return on Equity (ROE)13.9092%901
Retained earnings to average equity (ytd only)5.4950%2,115
Net charge-offs to loans0.2866%4,590
Credit loss provision to net charge-offs26.0000%6,521
Earnings coverage of net charge-offs (x)6.7400%2,292
Efficiency ratio73.3807%3,512
Assets per employee ($millions)2.4576%7,068
Cash dividends to net income (ytd only)*60.4938%1,607
Condition Ratios (%)
Loss allowance to loans0.9032%6,712
Loan loss allowance to noncurrent loans103.9216%2,795
Noncurrent assets plus other real estate owned to assets0.8240%5,348
Noncurrent loans to loans0.8691%5,328
Net loans and leases to total assets59.1536%4,812
Net loans and leases to deposits64.5203%5,573
Net loans and leases to core deposits65.5014%5,927
Total domestic deposits to total assets91.6822%349
Equity capital to assets7.8804%6,610
Core capital (leverage) ratio8.0186%6,177
Tier 1 risk-based capital ratio13.5147%4,184
Total risk-based capital ratio14.4105%4,438
Memoranda:
Average total assets$28,525,8007,255
Average earning assets$25,484,2007,244
Average equity$2,329,4007,447
Average total loans$17,448,0007,063
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2419%567
Cost of funding earning assets1.8250%1,323
Net interest margin4.4169%1,478
Noninterest income to average assets0.4290%4,728
Noninterest expense to average assets3.1442%3,128
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets1.2209%1,534
Return on assets (ROA)1.2209%1,611
Pretax return on assets1.2209%2,419
Return on Equity (ROE)14.8158%895
Retained earnings to average equity (ytd only)5.7775%2,491
Net charge-offs to loans0.2298%4,558
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)8.6330%2,135
Efficiency ratio72.0302%3,691
Assets per employee ($millions)2.6320%6,878
Cash dividends to net income (ytd only)*61.0043%1,215
Condition Ratios (%)
Loss allowance to loans0.9471%6,584
Loan loss allowance to noncurrent loans2,075.0000%188
Noncurrent assets plus other real estate owned to assets0.3385%6,537
Noncurrent loans to loans0.0456%7,131
Net loans and leases to total assets59.9682%4,921
Net loans and leases to deposits66.1284%5,655
Net loans and leases to core deposits67.1644%6,020
Total domestic deposits to total assets90.6846%559
Equity capital to assets8.8491%5,781
Core capital (leverage) ratio8.2048%6,027
Tier 1 risk-based capital ratio13.9161%3,903
Total risk-based capital ratio14.8900%4,043
Memoranda:
Average total assets$28,284,5007,351
Average earning assets$25,205,5007,341
Average equity$2,330,7507,539
Average total loans$17,409,0007,152
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2153%603
Cost of funding earning assets1.8598%1,382
Net interest margin4.3555%1,576
Noninterest income to average assets0.4561%4,469
Noninterest expense to average assets3.2001%2,903
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets1.1617%1,670
Return on assets (ROA)1.1617%1,729
Pretax return on assets1.1617%2,549
Return on Equity (ROE)14.4653%947
Retained earnings to average equity (ytd only)0.4437%5,586
Net charge-offs to loans0.2994%3,821
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)6.2692%2,491
Efficiency ratio73.3660%3,583
Assets per employee ($millions)2.3788%7,256
Cash dividends to net income (ytd only)*96.9325%497
Condition Ratios (%)
Loss allowance to loans0.9683%6,527
Loan loss allowance to noncurrent loans184.7826%1,525
Noncurrent assets plus other real estate owned to assets0.3223%6,608
Noncurrent loans to loans0.5240%6,209
Net loans and leases to total assets60.9087%4,886
Net loans and leases to deposits66.7524%5,716
Net loans and leases to core deposits67.7829%6,074
Total domestic deposits to total assets91.2457%401
Equity capital to assets8.3024%6,426
Core capital (leverage) ratio7.9896%6,287
Tier 1 risk-based capital ratio13.5090%4,060
Total risk-based capital ratio14.5180%4,193
Memoranda:
Average total assets$28,062,0007,415
Average earning assets$25,163,6707,394
Average equity$2,253,6707,616
Average total loans$17,369,3307,204
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1251%741
Cost of funding earning assets1.8614%1,606
Net interest margin4.2637%1,809
Noninterest income to average assets0.5320%3,797
Noninterest expense to average assets3.1488%3,060
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.2365%1,438
Return on assets (ROA)1.2365%1,511
Pretax return on assets1.2365%2,246
Return on Equity (ROE)15.6684%770
Retained earnings to average equity (ytd only)-13.1177%7,128
Net charge-offs to loans0.6252%2,257
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)3.1852%2,992
Efficiency ratio71.8033%3,964
Assets per employee ($millions)2.3214%7,436
Cash dividends to net income (ytd only)*183.7209%232
Condition Ratios (%)
Loss allowance to loans0.9928%6,503
Loan loss allowance to noncurrent loans845.0000%385
Noncurrent assets plus other real estate owned to assets0.0718%7,308
Noncurrent loans to loans0.1175%7,114
Net loans and leases to total assets60.5018%5,037
Net loans and leases to deposits65.9441%5,826
Net loans and leases to core deposits66.9820%6,205
Total domestic deposits to total assets91.7471%307
Equity capital to assets7.7682%6,871
Core capital (leverage) ratio7.8415%6,448
Tier 1 risk-based capital ratio13.4941%3,986
Total risk-based capital ratio14.5312%4,090
Memoranda:
Average total assets$27,820,0007,510
Average earning assets$25,142,5007,488
Average equity$2,195,5007,713
Average total loans$17,275,5007,296
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3730%879
Cost of funding earning assets2.1820%2,107
Net interest margin4.1911%2,099
Noninterest income to average assets0.5465%4,053
Noninterest expense to average assets3.3599%2,808
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets0.9452%2,023
Return on assets (ROA)0.9452%2,080
Pretax return on assets0.9452%2,776
Return on Equity (ROE)11.8893%1,193
Retained earnings to average equity (ytd only)4.5514%2,071
Net charge-offs to loans0.0118%7,064
Credit loss provision to net charge-offs0.0000%7,003
Earnings coverage of net charge-offs (x)128.0000%222
Efficiency ratio78.0446%3,186
Assets per employee ($millions)2.5257%7,159
Cash dividends to net income (ytd only)*61.7188%1,925
Condition Ratios (%)
Loss allowance to loans1.1182%5,820
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 assets62.3835%4,911
Net loans and leases to deposits68.1986%5,799
Net loans and leases to core deposits83.3911%5,776
Total domestic deposits to total assets91.4732%386
Equity capital to assets8.0157%6,567
Core capital (leverage) ratio8.1797%5,851
Tier 1 risk-based capital ratio13.6610%3,710
Total risk-based capital ratio14.8400%3,709
Memoranda:
Average total assets$27,083,8007,583
Average earning assets$24,289,8007,569
Average equity$2,153,2007,811
Average total loans$17,010,0007,351
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3200%1,088
Cost of funding earning assets2.2114%2,353
Net interest margin4.1086%2,360
Noninterest income to average assets0.5004%4,474
Noninterest expense to average assets3.2553%3,104
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets0.9365%2,280
Return on assets (ROA)0.9365%2,346
Pretax return on assets0.9365%3,109
Return on Equity (ROE)11.8042%1,415
Retained earnings to average equity (ytd only)1.9361%4,246
Net charge-offs to loans0.0237%6,554
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)62.9975%518
Efficiency ratio77.6596%3,217
Assets per employee ($millions)2.4876%7,245
Cash dividends to net income (ytd only)*83.5986%864
Condition Ratios (%)
Loss allowance to loans1.1477%5,424
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 assets61.3799%5,348
Net loans and leases to deposits67.1035%6,201
Net loans and leases to core deposits81.1597%6,258
Total domestic deposits to total assets91.4705%264
Equity capital to assets8.0361%6,818
Core capital (leverage) ratio8.0196%6,329
Tier 1 risk-based capital ratio13.6931%3,714
Total risk-based capital ratio14.9041%3,685
Memoranda:
Average total assets$26,909,0007,654
Average earning assets$24,176,5007,640
Average equity$2,134,7507,895
Average total loans$16,880,5007,427
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4111%984
Cost of funding earning assets2.2397%2,626
Net interest margin4.1714%2,090
Noninterest income to average assets0.4933%4,499
Noninterest expense to average assets3.3262%2,864
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.9119%2,411
Return on assets (ROA)0.9119%2,508
Pretax return on assets0.9119%3,294
Return on Equity (ROE)11.5458%1,547
Retained earnings to average equity (ytd only)-3.4069%6,032
Net charge-offs to loans0.0356%5,967
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)40.6667%801
Efficiency ratio78.4832%3,277
Assets per employee ($millions)2.4567%7,330
Cash dividends to net income (ytd only)*129.5082%447
Condition Ratios (%)
Loss allowance to loans1.1602%5,189
Loan loss allowance to noncurrent loans49.8721%5,035
Noncurrent assets plus other real estate owned to assets1.4469%4,079
Noncurrent loans to loans2.3264%3,109
Net loans and leases to total assets61.4713%5,443
Net loans and leases to deposits66.9974%6,291
Net loans and leases to core deposits81.1093%6,314
Total domestic deposits to total assets91.7518%256
Equity capital to assets7.6969%7,079
Core capital (leverage) ratio7.7947%6,622
Tier 1 risk-based capital ratio13.3990%3,866
Total risk-based capital ratio14.6216%3,823
Memoranda:
Average total assets$26,757,3307,730
Average earning assets$24,021,0007,720
Average equity$2,113,3307,980
Average total loans$16,843,6707,495
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4628%930
Cost of funding earning assets2.2712%2,835
Net interest margin4.1916%1,928
Noninterest income to average assets0.4657%4,634
Noninterest expense to average assets3.3203%2,598
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.9165%2,629
Return on assets (ROA)0.9165%2,770
Pretax return on assets0.9165%3,655
Return on Equity (ROE)11.4554%1,829
Retained earnings to average equity (ytd only)-18.2160%7,593
Net charge-offs to loans-0.0237%7,482
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.3688%3,107
Assets per employee ($millions)2.4090%7,446
Cash dividends to net income (ytd only)*259.0164%202
Condition Ratios (%)
Loss allowance to loans1.1852%4,896
Loan loss allowance to noncurrent loans46.0648%5,434
Noncurrent assets plus other real estate owned to assets1.6303%3,468
Noncurrent loans to loans2.5728%2,564
Net loans and leases to total assets62.6137%5,222
Net loans and leases to deposits68.3108%6,150
Net loans and leases to core deposits83.0389%6,141
Total domestic deposits to total assets91.6601%236
Equity capital to assets7.8343%7,028
Core capital (leverage) ratio7.7295%6,851
Tier 1 risk-based capital ratio13.2521%4,024
Total risk-based capital ratio14.5026%3,940
Memoranda:
Average total assets$26,624,0007,777
Average earning assets$23,952,5007,768
Average equity$2,130,0008,028
Average total loans$16,862,0007,540
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9786%1,190
Cost of funding earning assets2.6509%3,423
Net interest margin4.3278%1,889
Noninterest income to average assets0.5858%3,966
Noninterest expense to average assets3.3004%2,956
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets1.1984%1,771
Return on assets (ROA)1.1984%1,704
Pretax return on assets1.1984%2,645
Return on Equity (ROE)14.8131%949
Retained earnings to average equity (ytd only)1.5144%4,320
Net charge-offs to loans-0.0058%7,796
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3617%3,683
Assets per employee ($millions)2.4317%7,346
Cash dividends to net income (ytd only)*89.7764%1,307
Condition Ratios (%)
Loss allowance to loans1.1693%4,784
Loan loss allowance to noncurrent loans66.2207%4,708
Noncurrent assets plus other real estate owned to assets1.1178%4,041
Noncurrent loans to loans1.7658%3,118
Net loans and leases to total assets62.5631%5,528
Net loans and leases to deposits68.4990%6,416
Net loans and leases to core deposits81.8377%6,476
Total domestic deposits to total assets91.3343%242
Equity capital to assets8.1648%6,609
Core capital (leverage) ratio8.0905%6,338
Tier 1 risk-based capital ratio13.8630%3,615
Total risk-based capital ratio15.1129%3,532
Memoranda:
Average total assets$26,118,0007,800
Average earning assets$23,615,0007,797
Average equity$2,113,0008,100
Average total loans$17,220,6007,506