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TD Bank, Performance and Condition Ratios

2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.7459%4,675
Cost of funding earning assets0.0641%4,499
Net interest margin1.6818%4,649
Noninterest income to average assets0.5764%1,797
Noninterest expense to average assets1.2314%4,655
Loan and lease loss provision to assets0.0161%2,061
Net operating income to assets0.7510%2,851
Return on assets (ROA)0.7083%3,014
Pretax return on assets0.8454%2,960
Return on Equity (ROE)6.4795%3,197
Retained earnings to average equity (ytd only)5.3918%2,446
Net charge-offs to loans0.2149%288
Credit loss provision to net charge-offs20.3534%1,290
Earnings coverage of net charge-offs (x)11.5450%1,434
Efficiency ratio57.1174%3,767
Assets per employee ($millions)16.8351%147
Cash dividends to net income (ytd only)*16.7871%2,051
Condition Ratios (%)
Loss allowance to loans1.3305%2,210
Loan loss allowance to noncurrent loans193.0598%2,650
Noncurrent assets plus other real estate owned to assets0.2584%2,113
Noncurrent loans to loans0.6892%1,376
Net loans and leases to total assets36.7266%4,166
Net loans and leases to deposits41.7818%4,169
Net loans and leases to core deposits42.1030%4,234
Total domestic deposits to total assets87.9010%2,573
Equity capital to assets10.6758%1,504
Core capital (leverage) ratio8.5842%3,779
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.0059%903
Memoranda:
Average total assets$420,503,840,50010
Average earning assets$391,898,743,50010
Average equity$45,967,535,0008
Average total loans$154,600,050,0009
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.7821%4,721
Cost of funding earning assets0.0724%4,571
Net interest margin1.7097%4,688
Noninterest income to average assets0.4240%2,929
Noninterest expense to average assets1.2502%4,697
Loan and lease loss provision to assets-0.0600%4,406
Net operating income to assets0.7235%3,559
Return on assets (ROA)0.7237%3,622
Pretax return on assets0.8312%3,663
Return on Equity (ROE)6.4224%3,667
Retained earnings to average equity (ytd only)5.6168%2,512
Net charge-offs to loans0.1929%507
Credit loss provision to net charge-offs-81.0531%3,326
Earnings coverage of net charge-offs (x)10.4213%2,208
Efficiency ratio61.4478%2,941
Assets per employee ($millions)17.5120%143
Cash dividends to net income (ytd only)*12.5434%3,273
Condition Ratios (%)
Loss allowance to loans1.3865%1,968
Loan loss allowance to noncurrent loans176.3774%2,772
Noncurrent assets plus other real estate owned to assets0.2891%2,086
Noncurrent loans to loans0.7861%1,297
Net loans and leases to total assets35.8123%4,295
Net loans and leases to deposits40.9160%4,309
Net loans and leases to core deposits41.1571%4,364
Total domestic deposits to total assets87.5263%2,271
Equity capital to assets11.1835%1,671
Core capital (leverage) ratio8.4894%3,933
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.3352%848
Memoranda:
Average total assets$413,085,505,8008
Average earning assets$385,890,745,4008
Average equity$46,549,966,4008
Average total loans$158,449,869,8009
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.7779%4,799
Cost of funding earning assets0.0863%4,602
Net interest margin1.6916%4,771
Noninterest income to average assets0.4231%2,961
Noninterest expense to average assets1.2547%4,773
Loan and lease loss provision to assets-0.0837%4,565
Net operating income to assets0.7310%3,694
Return on assets (ROA)0.7312%3,754
Pretax return on assets0.8325%3,833
Return on Equity (ROE)6.4756%3,803
Retained earnings to average equity (ytd only)5.7564%2,931
Net charge-offs to loans0.1935%436
Credit loss provision to net charge-offs-111.2198%3,246
Earnings coverage of net charge-offs (x)9.9496%2,057
Efficiency ratio62.2010%2,658
Assets per employee ($millions)17.1609%144
Cash dividends to net income (ytd only)*11.1072%2,930
Condition Ratios (%)
Loss allowance to loans1.4184%1,948
Loan loss allowance to noncurrent loans199.9933%2,537
Noncurrent assets plus other real estate owned to assets0.2750%2,406
Noncurrent loans to loans0.7092%1,569
Net loans and leases to total assets36.9644%4,340
Net loans and leases to deposits42.4788%4,367
Net loans and leases to core deposits42.7439%4,426
Total domestic deposits to total assets87.0185%2,347
Equity capital to assets11.5563%1,630
Core capital (leverage) ratio8.5051%4,022
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.2691%914
Memoranda:
Average total assets$410,444,566,7508
Average earning assets$383,429,347,2508
Average equity$46,342,793,2507
Average total loans$159,599,445,2509
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.7718%4,841
Cost of funding earning assets0.1164%4,465
Net interest margin1.6554%4,817
Noninterest income to average assets0.4186%3,010
Noninterest expense to average assets1.2714%4,801
Loan and lease loss provision to assets-0.1008%4,628
Net operating income to assets0.7016%3,761
Return on assets (ROA)0.7017%3,825
Pretax return on assets0.7947%3,874
Return on Equity (ROE)6.2647%3,839
Retained earnings to average equity (ytd only)5.7197%2,916
Net charge-offs to loans0.2241%388
Credit loss provision to net charge-offs-114.2663%3,081
Earnings coverage of net charge-offs (x)7.8672%1,907
Efficiency ratio64.2229%2,399
Assets per employee ($millions)17.0761%148
Cash dividends to net income (ytd only)*8.6987%2,895
Condition Ratios (%)
Loss allowance to loans1.4473%1,781
Loan loss allowance to noncurrent loans194.0485%2,504
Noncurrent assets plus other real estate owned to assets0.2963%2,442
Noncurrent loans to loans0.7458%1,602
Net loans and leases to total assets37.6863%4,396
Net loans and leases to deposits43.2338%4,410
Net loans and leases to core deposits43.4970%4,476
Total domestic deposits to total assets87.1686%2,232
Equity capital to assets11.3904%1,710
Core capital (leverage) ratio8.2198%4,238
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.9967%959
Memoranda:
Average total assets$409,549,139,3338
Average earning assets$382,598,161,3338
Average equity$45,876,206,3338
Average total loans$161,163,108,0009
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.7730%4,871
Cost of funding earning assets0.1118%4,574
Net interest margin1.6612%4,847
Noninterest income to average assets0.3790%3,202
Noninterest expense to average assets1.2799%4,830
Loan and lease loss provision to assets-0.1243%4,747
Net operating income to assets0.6966%3,713
Return on assets (ROA)0.6968%3,777
Pretax return on assets0.7747%3,856
Return on Equity (ROE)6.2746%3,780
Retained earnings to average equity (ytd only)6.2746%2,802
Net charge-offs to loans0.2673%319
Credit loss provision to net charge-offs-116.4689%2,854
Earnings coverage of net charge-offs (x)6.0937%1,655
Efficiency ratio65.7204%2,268
Assets per employee ($millions)16.3329%155
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.5162%1,551
Loan loss allowance to noncurrent loans199.6185%2,376
Noncurrent assets plus other real estate owned to assets0.3065%2,601
Noncurrent loans to loans0.7595%1,717
Net loans and leases to total assets38.6882%4,396
Net loans and leases to deposits44.2549%4,410
Net loans and leases to core deposits67.8153%3,078
Total domestic deposits to total assets87.4214%2,128
Equity capital to assets11.2976%1,662
Core capital (leverage) ratio8.2248%4,372
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.6745%970
Memoranda:
Average total assets$406,566,959,5008
Average earning assets$379,647,452,5008
Average equity$45,149,928,5008
Average total loans$162,299,030,5009
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2515%4,887
Cost of funding earning assets0.2869%4,213
Net interest margin1.9646%4,842
Noninterest income to average assets0.3961%3,112
Noninterest expense to average assets1.3765%4,844
Loan and lease loss provision to assets0.4915%515
Net operating income to assets0.3633%4,318
Return on assets (ROA)0.3616%4,395
Pretax return on assets0.3379%4,505
Return on Equity (ROE)3.1742%4,336
Retained earnings to average equity (ytd only)2.8777%3,430
Net charge-offs to loans0.3736%461
Credit loss provision to net charge-offs300.7469%1,724
Earnings coverage of net charge-offs (x)5.0849%2,907
Efficiency ratio61.6786%3,191
Assets per employee ($millions)15.8350%155
Cash dividends to net income (ytd only)*9.3428%3,565
Condition Ratios (%)
Loss allowance to loans1.6492%1,165
Loan loss allowance to noncurrent loans213.7844%2,231
Noncurrent assets plus other real estate owned to assets0.3224%2,707
Noncurrent loans to loans0.7714%1,784
Net loans and leases to total assets39.9018%4,444
Net loans and leases to deposits45.5511%4,482
Net loans and leases to core deposits71.6846%3,107
Total domestic deposits to total assets87.5979%1,662
Equity capital to assets10.9079%2,334
Core capital (leverage) ratio7.4930%4,839
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.6038%1,379
Memoranda:
Average total assets$370,011,005,2008
Average earning assets$341,163,049,0008
Average equity$42,149,753,8009
Average total loans$161,890,149,2009
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3740%4,922
Cost of funding earning assets0.3376%4,114
Net interest margin2.0364%4,876
Noninterest income to average assets0.3803%3,183
Noninterest expense to average assets1.3900%4,866
Loan and lease loss provision to assets0.6212%396
Net operating income to assets0.2900%4,460
Return on assets (ROA)0.2914%4,507
Pretax return on assets0.2423%4,611
Return on Equity (ROE)2.5281%4,473
Retained earnings to average equity (ytd only)2.1288%3,883
Net charge-offs to loans0.3919%406
Credit loss provision to net charge-offs355.1290%1,596
Earnings coverage of net charge-offs (x)4.9291%2,777
Efficiency ratio61.0004%3,216
Assets per employee ($millions)15.0594%162
Cash dividends to net income (ytd only)*15.7946%2,948
Condition Ratios (%)
Loss allowance to loans1.6217%1,040
Loan loss allowance to noncurrent loans196.8672%2,232
Noncurrent assets plus other real estate owned to assets0.3590%2,711
Noncurrent loans to loans0.8238%1,777
Net loans and leases to total assets41.9340%4,503
Net loans and leases to deposits48.0419%4,551
Net loans and leases to core deposits75.7493%3,189
Total domestic deposits to total assets87.2864%1,548
Equity capital to assets11.1248%2,302
Core capital (leverage) ratio7.5505%4,854
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2387%1,441
Memoranda:
Average total assets$362,135,806,5008
Average earning assets$332,871,822,2508
Average equity$41,738,116,0009
Average total loans$161,638,431,5009
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5698%4,951
Cost of funding earning assets0.4331%3,881
Net interest margin2.1367%4,906
Noninterest income to average assets0.3574%3,336
Noninterest expense to average assets1.4323%4,885
Loan and lease loss provision to assets0.7318%365
Net operating income to assets0.2449%4,514
Return on assets (ROA)0.2454%4,555
Pretax return on assets0.1478%4,685
Return on Equity (ROE)2.1023%4,514
Retained earnings to average equity (ytd only)1.4963%3,936
Net charge-offs to loans0.4510%350
Credit loss provision to net charge-offs357.6223%1,496
Earnings coverage of net charge-offs (x)4.2961%2,607
Efficiency ratio61.2181%3,245
Assets per employee ($millions)14.8893%174
Cash dividends to net income (ytd only)*28.8277%2,404
Condition Ratios (%)
Loss allowance to loans1.4430%1,439
Loan loss allowance to noncurrent loans166.2865%2,426
Noncurrent assets plus other real estate owned to assets0.3877%2,744
Noncurrent loans to loans0.8678%1,755
Net loans and leases to total assets42.7634%4,505
Net loans and leases to deposits49.4773%4,550
Net loans and leases to core deposits78.3337%3,080
Total domestic deposits to total assets86.4302%1,830
Equity capital to assets11.0937%2,257
Core capital (leverage) ratio7.6560%4,871
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8530%1,533
Memoranda:
Average total assets$353,402,114,6678
Average earning assets$323,187,774,6678
Average equity$41,250,195,6679
Average total loans$160,341,332,0009
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8721%4,986
Cost of funding earning assets0.5854%3,510
Net interest margin2.2867%4,923
Noninterest income to average assets0.3812%3,225
Noninterest expense to average assets1.5202%4,903
Loan and lease loss provision to assets0.8397%284
Net operating income to assets0.1635%4,580
Return on assets (ROA)0.1645%4,582
Pretax return on assets0.1060%4,655
Return on Equity (ROE)1.3710%4,573
Retained earnings to average equity (ytd only)0.1388%3,960
Net charge-offs to loans0.4504%320
Credit loss provision to net charge-offs401.0152%995
Earnings coverage of net charge-offs (x)4.5111%2,134
Efficiency ratio60.8535%3,636
Assets per employee ($millions)13.7298%167
Cash dividends to net income (ytd only)*89.8770%862
Condition Ratios (%)
Loss allowance to loans1.2419%2,440
Loan loss allowance to noncurrent loans156.7114%2,467
Noncurrent assets plus other real estate owned to assets0.3735%2,948
Noncurrent loans to loans0.7925%2,028
Net loans and leases to total assets44.8094%4,477
Net loans and leases to deposits52.1499%4,512
Net loans and leases to core deposits87.9325%2,523
Total domestic deposits to total assets85.9243%2,028
Equity capital to assets11.5129%2,427
Core capital (leverage) ratio8.6853%4,673
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6412%1,702
Memoranda:
Average total assets$338,119,909,0009
Average earning assets$308,102,813,0009
Average equity$40,577,199,0009
Average total loans$157,211,432,5009
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4380%4,898
Cost of funding earning assets0.9776%1,822
Net interest margin2.4604%4,985
Noninterest income to average assets0.5517%2,466
Noninterest expense to average assets1.5721%4,965
Loan and lease loss provision to assets0.2383%799
Net operating income to assets0.8587%3,361
Return on assets (ROA)0.8710%3,405
Pretax return on assets0.9969%3,467
Return on Equity (ROE)6.7475%3,645
Retained earnings to average equity (ytd only)2.4707%3,794
Net charge-offs to loans0.4151%470
Credit loss provision to net charge-offs117.1545%2,157
Earnings coverage of net charge-offs (x)6.0033%3,021
Efficiency ratio55.3917%4,277
Assets per employee ($millions)12.4359%193
Cash dividends to net income (ytd only)*63.3837%1,420
Condition Ratios (%)
Loss allowance to loans0.9615%3,691
Loan loss allowance to noncurrent loans116.1886%3,035
Noncurrent assets plus other real estate owned to assets0.4109%2,752
Noncurrent loans to loans0.8276%1,855
Net loans and leases to total assets47.2832%4,467
Net loans and leases to deposits55.3825%4,482
Net loans and leases to core deposits87.7361%2,634
Total domestic deposits to total assets85.3756%2,355
Equity capital to assets12.5425%1,793
Core capital (leverage) ratio8.9511%4,564
Tier 1 risk-based capital ratio14.7595%2,879
Total risk-based capital ratio15.6224%2,991
Memoranda:
Average total assets$307,945,309,2008
Average earning assets$280,554,037,0007
Average equity$39,749,047,2008
Average total loans$150,916,310,0008
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5058%4,955
Cost of funding earning assets1.0177%1,691
Net interest margin2.4881%5,068
Noninterest income to average assets0.5558%2,429
Noninterest expense to average assets1.5605%5,034
Loan and lease loss provision to assets0.2399%691
Net operating income to assets0.8709%3,447
Return on assets (ROA)0.8857%3,476
Pretax return on assets1.0381%3,479
Return on Equity (ROE)6.8181%3,755
Retained earnings to average equity (ytd only)1.5202%4,427
Net charge-offs to loans0.3951%424
Credit loss provision to net charge-offs123.2000%1,911
Earnings coverage of net charge-offs (x)6.4734%2,835
Efficiency ratio54.3966%4,346
Assets per employee ($millions)11.9930%218
Cash dividends to net income (ytd only)*77.7028%726
Condition Ratios (%)
Loss allowance to loans0.9613%3,775
Loan loss allowance to noncurrent loans96.6014%3,386
Noncurrent assets plus other real estate owned to assets0.4953%2,545
Noncurrent loans to loans0.9951%1,608
Net loans and leases to total assets48.5406%4,495
Net loans and leases to deposits56.7356%4,524
Net loans and leases to core deposits88.8730%2,645
Total domestic deposits to total assets85.5558%2,184
Equity capital to assets12.8689%1,700
Core capital (leverage) ratio9.0513%4,597
Tier 1 risk-based capital ratio14.7691%2,967
Total risk-based capital ratio15.6408%3,042
Memoranda:
Average total assets$305,143,809,2508
Average earning assets$277,822,587,2507
Average equity$39,637,534,5008
Average total loans$150,395,253,7508
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5403%4,983
Cost of funding earning assets1.0205%1,596
Net interest margin2.5198%5,117
Noninterest income to average assets0.5496%2,386
Noninterest expense to average assets1.5710%5,077
Loan and lease loss provision to assets0.2324%695
Net operating income to assets0.8826%3,348
Return on assets (ROA)0.9022%3,341
Pretax return on assets1.0607%3,348
Return on Equity (ROE)6.9235%3,706
Retained earnings to average equity (ytd only)5.6579%2,444
Net charge-offs to loans0.3636%458
Credit loss provision to net charge-offs129.4353%1,670
Earnings coverage of net charge-offs (x)7.0737%2,521
Efficiency ratio54.3444%4,433
Assets per employee ($millions)11.7505%221
Cash dividends to net income (ytd only)*18.2795%3,075
Condition Ratios (%)
Loss allowance to loans0.9612%3,826
Loan loss allowance to noncurrent loans93.5146%3,432
Noncurrent assets plus other real estate owned to assets0.5187%2,480
Noncurrent loans to loans1.0278%1,593
Net loans and leases to total assets48.6738%4,538
Net loans and leases to deposits57.4920%4,538
Net loans and leases to core deposits89.6315%2,629
Total domestic deposits to total assets84.6618%2,616
Equity capital to assets13.2723%1,453
Core capital (leverage) ratio9.4786%4,167
Tier 1 risk-based capital ratio15.3438%2,685
Total risk-based capital ratio16.2166%2,776
Memoranda:
Average total assets$303,179,232,0008
Average earning assets$275,695,946,0007
Average equity$39,507,635,0008
Average total loans$149,712,017,3308
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5325%5,018
Cost of funding earning assets1.0192%1,484
Net interest margin2.5133%5,184
Noninterest income to average assets0.5313%2,377
Noninterest expense to average assets1.5919%5,103
Loan and lease loss provision to assets0.2586%556
Net operating income to assets0.8253%3,528
Return on assets (ROA)0.8633%3,435
Pretax return on assets1.0136%3,401
Return on Equity (ROE)6.6877%3,775
Retained earnings to average equity (ytd only)5.4054%2,735
Net charge-offs to loans0.3871%400
Credit loss provision to net charge-offs134.9659%1,326
Earnings coverage of net charge-offs (x)6.4064%2,200
Efficiency ratio55.4082%4,400
Assets per employee ($millions)11.5260%230
Cash dividends to net income (ytd only)*19.1736%2,491
Condition Ratios (%)
Loss allowance to loans0.9382%4,007
Loan loss allowance to noncurrent loans89.7529%3,535
Noncurrent assets plus other real estate owned to assets0.5386%2,487
Noncurrent loans to loans1.0454%1,595
Net loans and leases to total assets49.4580%4,501
Net loans and leases to deposits58.0091%4,503
Net loans and leases to core deposits90.4984%2,443
Total domestic deposits to total assets85.2591%2,574
Equity capital to assets13.0919%1,398
Core capital (leverage) ratio9.3236%4,342
Tier 1 risk-based capital ratio15.3121%2,746
Total risk-based capital ratio16.1769%2,836
Memoranda:
Average total assets$302,059,354,5008
Average earning assets$274,984,299,0007
Average equity$38,993,387,5008
Average total loans$149,517,185,5008
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2399%5,120
Cost of funding earning assets0.8443%1,335
Net interest margin2.3956%5,250
Noninterest income to average assets0.6266%2,162
Noninterest expense to average assets1.6280%5,151
Loan and lease loss provision to assets0.1962%966
Net operating income to assets0.8563%3,588
Return on assets (ROA)0.8731%3,516
Pretax return on assets0.9950%3,622
Return on Equity (ROE)6.8391%3,884
Retained earnings to average equity (ytd only)4.7103%2,928
Net charge-offs to loans0.3707%514
Credit loss provision to net charge-offs108.4465%2,360
Earnings coverage of net charge-offs (x)6.4788%3,084
Efficiency ratio56.9653%4,286
Assets per employee ($millions)11.5061%226
Cash dividends to net income (ytd only)*31.1267%2,981
Condition Ratios (%)
Loss allowance to loans0.9167%4,097
Loan loss allowance to noncurrent loans89.6136%3,587
Noncurrent assets plus other real estate owned to assets0.5170%2,526
Noncurrent loans to loans1.0229%1,600
Net loans and leases to total assets48.6240%4,598
Net loans and leases to deposits56.6913%4,635
Net loans and leases to core deposits91.0423%2,491
Total domestic deposits to total assets85.7698%2,337
Equity capital to assets12.7272%1,473
Core capital (leverage) ratio9.1679%4,489
Tier 1 risk-based capital ratio15.0396%2,813
Total risk-based capital ratio15.8855%2,923
Memoranda:
Average total assets$294,373,267,6007
Average earning assets$267,070,939,4007
Average equity$37,579,890,2008
Average total loans$143,660,480,2009
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1898%5,202
Cost of funding earning assets0.8074%1,300
Net interest margin2.3824%5,325
Noninterest income to average assets0.6330%2,152
Noninterest expense to average assets1.6231%5,192
Loan and lease loss provision to assets0.1854%976
Net operating income to assets0.8745%3,640
Return on assets (ROA)0.8971%3,548
Pretax return on assets1.0091%3,695
Return on Equity (ROE)7.0218%3,926
Retained earnings to average equity (ytd only)4.6118%3,446
Net charge-offs to loans0.3688%440
Credit loss provision to net charge-offs103.1548%2,212
Earnings coverage of net charge-offs (x)6.5048%2,878
Efficiency ratio56.9148%4,262
Assets per employee ($millions)11.1548%237
Cash dividends to net income (ytd only)*34.3208%2,350
Condition Ratios (%)
Loss allowance to loans0.9279%4,144
Loan loss allowance to noncurrent loans86.7441%3,687
Noncurrent assets plus other real estate owned to assets0.5351%2,595
Noncurrent loans to loans1.0697%1,593
Net loans and leases to total assets48.2973%4,699
Net loans and leases to deposits56.7027%4,712
Net loans and leases to core deposits88.2490%2,827
Total domestic deposits to total assets85.1765%2,535
Equity capital to assets12.7944%1,423
Core capital (leverage) ratio9.1378%4,578
Tier 1 risk-based capital ratio14.8769%2,936
Total risk-based capital ratio15.7050%3,067
Memoranda:
Average total assets$292,299,352,2507
Average earning assets$264,922,500,2507
Average equity$37,344,530,0008
Average total loans$142,442,789,5009
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1119%5,281
Cost of funding earning assets0.7786%1,228
Net interest margin2.3333%5,404
Noninterest income to average assets0.6403%2,138
Noninterest expense to average assets1.6006%5,267
Loan and lease loss provision to assets0.1857%963
Net operating income to assets0.8645%3,607
Return on assets (ROA)0.8875%3,512
Pretax return on assets0.9961%3,676
Return on Equity (ROE)6.9502%3,919
Retained earnings to average equity (ytd only)3.9964%3,615
Net charge-offs to loans0.3805%413
Credit loss provision to net charge-offs100.1701%2,009
Earnings coverage of net charge-offs (x)6.2341%2,649
Efficiency ratio56.8570%4,379
Assets per employee ($millions)11.1642%228
Cash dividends to net income (ytd only)*42.4994%2,002
Condition Ratios (%)
Loss allowance to loans0.9335%4,187
Loan loss allowance to noncurrent loans85.4455%3,742
Noncurrent assets plus other real estate owned to assets0.5464%2,590
Noncurrent loans to loans1.0926%1,614
Net loans and leases to total assets48.2095%4,710
Net loans and leases to deposits56.7144%4,715
Net loans and leases to core deposits89.3039%2,623
Total domestic deposits to total assets85.0041%2,670
Equity capital to assets12.7874%1,401
Core capital (leverage) ratio8.9870%4,702
Tier 1 risk-based capital ratio14.7384%3,001
Total risk-based capital ratio15.5722%3,120
Memoranda:
Average total assets$291,621,977,3307
Average earning assets$264,492,910,3307
Average equity$37,240,032,3308
Average total loans$142,095,170,6709
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9857%5,383
Cost of funding earning assets0.7302%1,289
Net interest margin2.2555%5,487
Noninterest income to average assets0.6325%2,116
Noninterest expense to average assets1.5842%5,334
Loan and lease loss provision to assets0.1863%911
Net operating income to assets0.8216%3,622
Return on assets (ROA)0.8452%3,540
Pretax return on assets0.9363%3,739
Return on Equity (ROE)6.6229%3,938
Retained earnings to average equity (ytd only)5.2791%3,044
Net charge-offs to loans0.4142%376
Credit loss provision to net charge-offs92.2521%1,654
Earnings coverage of net charge-offs (x)5.4294%2,240
Efficiency ratio57.7547%4,378
Assets per employee ($millions)11.4364%217
Cash dividends to net income (ytd only)*20.2907%2,394
Condition Ratios (%)
Loss allowance to loans0.9306%4,300
Loan loss allowance to noncurrent loans82.6595%3,776
Noncurrent assets plus other real estate owned to assets0.5586%2,654
Noncurrent loans to loans1.1258%1,628
Net loans and leases to total assets47.4159%4,728
Net loans and leases to deposits55.5632%4,719
Net loans and leases to core deposits87.1026%2,708
Total domestic deposits to total assets85.3369%2,811
Equity capital to assets12.6257%1,417
Core capital (leverage) ratio9.0166%4,663
Tier 1 risk-based capital ratio14.9060%2,912
Total risk-based capital ratio15.7471%3,028
Memoranda:
Average total assets$291,561,899,0008
Average earning assets$264,756,453,0008
Average equity$37,206,977,5008
Average total loans$142,156,332,5009
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7978%5,463
Cost of funding earning assets0.5026%2,313
Net interest margin2.2952%5,503
Noninterest income to average assets0.5933%2,482
Noninterest expense to average assets1.6607%5,372
Loan and lease loss provision to assets0.1664%1,323
Net operating income to assets0.5629%4,177
Return on assets (ROA)0.5609%4,217
Pretax return on assets0.8419%4,116
Return on Equity (ROE)4.3217%4,399
Retained earnings to average equity (ytd only)3.2092%3,383
Net charge-offs to loans0.3219%788
Credit loss provision to net charge-offs103.0791%2,481
Earnings coverage of net charge-offs (x)6.2267%3,211
Efficiency ratio60.7614%4,145
Assets per employee ($millions)11.3119%223
Cash dividends to net income (ytd only)*25.7427%3,463
Condition Ratios (%)
Loss allowance to loans0.9248%4,346
Loan loss allowance to noncurrent loans78.6381%3,934
Noncurrent assets plus other real estate owned to assets0.6063%2,527
Noncurrent loans to loans1.1760%1,511
Net loans and leases to total assets49.2133%4,690
Net loans and leases to deposits57.5758%4,715
Net loans and leases to core deposits89.3066%2,626
Total domestic deposits to total assets85.4756%2,664
Equity capital to assets12.8999%1,316
Core capital (leverage) ratio9.0182%4,628
Tier 1 risk-based capital ratio14.7906%2,937
Total risk-based capital ratio15.6490%3,051
Memoranda:
Average total assets$277,022,178,6008
Average earning assets$250,184,838,6008
Average equity$35,954,308,0008
Average total loans$138,935,760,80010
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7630%5,532
Cost of funding earning assets0.4640%2,578
Net interest margin2.2990%5,569
Noninterest income to average assets0.6095%2,428
Noninterest expense to average assets1.6520%5,404
Loan and lease loss provision to assets0.1689%1,197
Net operating income to assets0.6657%4,137
Return on assets (ROA)0.6698%4,181
Pretax return on assets0.8703%4,140
Return on Equity (ROE)5.1523%4,468
Retained earnings to average equity (ytd only)4.0301%3,526
Net charge-offs to loans0.3073%685
Credit loss provision to net charge-offs109.3428%2,149
Earnings coverage of net charge-offs (x)6.6696%2,957
Efficiency ratio60.0154%4,215
Assets per employee ($millions)11.3346%212
Cash dividends to net income (ytd only)*21.7794%3,071
Condition Ratios (%)
Loss allowance to loans0.9397%4,378
Loan loss allowance to noncurrent loans82.3658%3,865
Noncurrent assets plus other real estate owned to assets0.5892%2,747
Noncurrent loans to loans1.1409%1,686
Net loans and leases to total assets49.4806%4,735
Net loans and leases to deposits58.1299%4,747
Net loans and leases to core deposits88.8397%2,702
Total domestic deposits to total assets85.1208%2,670
Equity capital to assets13.0717%1,351
Core capital (leverage) ratio9.5254%4,132
Tier 1 risk-based capital ratio14.8486%2,988
Total risk-based capital ratio15.7167%3,113
Memoranda:
Average total assets$274,204,221,5008
Average earning assets$247,236,187,7508
Average equity$35,645,459,2508
Average total loans$137,868,901,50010
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7377%5,583
Cost of funding earning assets0.4427%2,671
Net interest margin2.2951%5,610
Noninterest income to average assets0.6053%2,432
Noninterest expense to average assets1.6612%5,445
Loan and lease loss provision to assets0.1539%1,306
Net operating income to assets0.6713%3,973
Return on assets (ROA)0.6836%3,982
Pretax return on assets0.8755%4,012
Return on Equity (ROE)5.2693%4,364
Retained earnings to average equity (ytd only)4.1293%3,248
Net charge-offs to loans0.3079%658
Credit loss provision to net charge-offs99.1755%2,048
Earnings coverage of net charge-offs (x)6.5105%2,703
Efficiency ratio60.5493%4,232
Assets per employee ($millions)10.6864%252
Cash dividends to net income (ytd only)*21.6350%3,050
Condition Ratios (%)
Loss allowance to loans0.9551%4,389
Loan loss allowance to noncurrent loans80.6949%3,942
Noncurrent assets plus other real estate owned to assets0.6270%2,684
Noncurrent loans to loans1.1836%1,650
Net loans and leases to total assets50.6129%4,665
Net loans and leases to deposits59.7821%4,648
Net loans and leases to core deposits87.6341%2,736
Total domestic deposits to total assets84.6622%2,956
Equity capital to assets13.2964%1,234
Core capital (leverage) ratio8.9311%4,800
Tier 1 risk-based capital ratio14.4615%3,190
Total risk-based capital ratio15.4876%3,211
Memoranda:
Average total assets$270,440,654,6708
Average earning assets$243,468,373,0008
Average equity$35,087,557,0008
Average total loans$136,290,320,67010
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6658%5,662
Cost of funding earning assets0.4188%2,826
Net interest margin2.2470%5,680
Noninterest income to average assets0.5671%2,568
Noninterest expense to average assets1.6750%5,494
Loan and lease loss provision to assets0.1441%1,301
Net operating income to assets0.6072%4,127
Return on assets (ROA)0.6442%3,993
Pretax return on assets0.8194%4,042
Return on Equity (ROE)5.0268%4,382
Retained earnings to average equity (ytd only)3.8774%3,515
Net charge-offs to loans0.3229%576
Credit loss provision to net charge-offs89.1965%1,695
Earnings coverage of net charge-offs (x)5.6542%2,271
Efficiency ratio62.9135%4,002
Assets per employee ($millions)10.9193%227
Cash dividends to net income (ytd only)*22.8647%2,471
Condition Ratios (%)
Loss allowance to loans0.9570%4,514
Loan loss allowance to noncurrent loans77.6317%4,042
Noncurrent assets plus other real estate owned to assets0.6413%2,712
Noncurrent loans to loans1.2328%1,640
Net loans and leases to total assets49.0708%4,747
Net loans and leases to deposits57.6429%4,726
Net loans and leases to core deposits84.7758%2,830
Total domestic deposits to total assets85.1290%3,033
Equity capital to assets12.7931%1,356
Core capital (leverage) ratio8.7032%5,043
Tier 1 risk-based capital ratio14.2763%3,330
Total risk-based capital ratio15.3087%3,358
Memoranda:
Average total assets$271,568,632,5008
Average earning assets$244,319,571,5008
Average equity$34,801,827,0008
Average total loans$135,913,037,50010
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5992%5,728
Cost of funding earning assets0.2768%4,290
Net interest margin2.3224%5,698
Noninterest income to average assets0.5339%3,008
Noninterest expense to average assets1.7672%5,503
Loan and lease loss provision to assets0.1842%1,285
Net operating income to assets0.5268%4,524
Return on assets (ROA)0.5155%4,652
Pretax return on assets0.6406%4,677
Return on Equity (ROE)3.9144%4,865
Retained earnings to average equity (ytd only)2.7365%3,954
Net charge-offs to loans0.2442%1,139
Credit loss provision to net charge-offs148.2505%1,850
Earnings coverage of net charge-offs (x)6.7283%3,130
Efficiency ratio65.8795%3,606
Assets per employee ($millions)10.6678%250
Cash dividends to net income (ytd only)*30.0929%3,315
Condition Ratios (%)
Loss allowance to loans0.9630%4,510
Loan loss allowance to noncurrent loans76.0970%4,087
Noncurrent assets plus other real estate owned to assets0.6656%2,721
Noncurrent loans to loans1.2655%1,622
Net loans and leases to total assets50.0725%4,760
Net loans and leases to deposits58.8420%4,743
Net loans and leases to core deposits87.4959%2,724
Total domestic deposits to total assets85.0965%3,004
Equity capital to assets12.8375%1,329
Core capital (leverage) ratio8.5673%5,194
Tier 1 risk-based capital ratio13.7783%3,594
Total risk-based capital ratio14.8036%3,645
Memoranda:
Average total assets$257,838,709,0009
Average earning assets$229,725,140,4009
Average equity$33,956,906,0008
Average total loans$131,155,056,80010
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5880%5,796
Cost of funding earning assets0.1278%5,632
Net interest margin2.4602%5,681
Noninterest income to average assets0.5410%2,971
Noninterest expense to average assets1.8888%5,392
Loan and lease loss provision to assets0.1778%1,254
Net operating income to assets0.5326%4,564
Return on assets (ROA)0.5185%4,729
Pretax return on assets0.6467%4,751
Return on Equity (ROE)3.8997%4,939
Retained earnings to average equity (ytd only)2.7204%4,265
Net charge-offs to loans0.2438%962
Credit loss provision to net charge-offs143.1811%1,833
Earnings coverage of net charge-offs (x)6.7558%2,969
Efficiency ratio67.2642%3,372
Assets per employee ($millions)10.5067%254
Cash dividends to net income (ytd only)*30.2406%2,822
Condition Ratios (%)
Loss allowance to loans0.9438%4,690
Loan loss allowance to noncurrent loans74.4453%4,164
Noncurrent assets plus other real estate owned to assets0.6719%2,894
Noncurrent loans to loans1.2678%1,770
Net loans and leases to total assets50.1581%4,809
Net loans and leases to deposits59.3761%4,800
Net loans and leases to core deposits87.7204%2,787
Total domestic deposits to total assets84.1621%3,160
Equity capital to assets13.1145%1,432
Core capital (leverage) ratio8.6083%5,252
Tier 1 risk-based capital ratio13.5881%3,810
Total risk-based capital ratio14.5918%3,868
Memoranda:
Average total assets$255,119,566,2509
Average earning assets$226,759,204,5009
Average equity$33,918,013,2508
Average total loans$129,938,778,00010
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5811%5,880
Cost of funding earning assets0.1277%5,708
Net interest margin2.4534%5,768
Noninterest income to average assets0.5370%2,971
Noninterest expense to average assets1.8983%5,452
Loan and lease loss provision to assets0.1814%1,204
Net operating income to assets0.5178%4,608
Return on assets (ROA)0.5023%4,778
Pretax return on assets0.6166%4,845
Return on Equity (ROE)3.7604%4,999
Retained earnings to average equity (ytd only)2.5721%4,254
Net charge-offs to loans0.2275%1,030
Credit loss provision to net charge-offs156.2087%1,547
Earnings coverage of net charge-offs (x)7.0105%2,677
Efficiency ratio67.9301%3,357
Assets per employee ($millions)10.2062%266
Cash dividends to net income (ytd only)*31.6014%2,773
Condition Ratios (%)
Loss allowance to loans0.9450%4,780
Loan loss allowance to noncurrent loans72.1916%4,308
Noncurrent assets plus other real estate owned to assets0.7132%2,838
Noncurrent loans to loans1.3091%1,728
Net loans and leases to total assets51.0211%4,764
Net loans and leases to deposits60.7197%4,754
Net loans and leases to core deposits88.3328%2,698
Total domestic deposits to total assets83.8734%3,320
Equity capital to assets13.4123%1,278
Core capital (leverage) ratio8.6459%5,221
Tier 1 risk-based capital ratio13.4862%3,915
Total risk-based capital ratio14.4881%3,971
Memoranda:
Average total assets$251,983,471,3309
Average earning assets$223,428,078,0009
Average equity$33,660,152,6708
Average total loans$128,602,913,00010
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5649%5,945
Cost of funding earning assets0.1291%5,759
Net interest margin2.4358%5,859
Noninterest income to average assets0.5054%3,080
Noninterest expense to average assets1.9294%5,478
Loan and lease loss provision to assets0.1945%1,024
Net operating income to assets0.4389%4,866
Return on assets (ROA)0.4206%5,007
Pretax return on assets0.5200%5,032
Return on Equity (ROE)3.1549%5,184
Retained earnings to average equity (ytd only)1.9552%4,471
Net charge-offs to loans0.2507%825
Credit loss provision to net charge-offs152.7072%1,260
Earnings coverage of net charge-offs (x)5.7649%2,297
Efficiency ratio70.2065%3,080
Assets per employee ($millions)10.2778%251
Cash dividends to net income (ytd only)*38.0274%2,150
Condition Ratios (%)
Loss allowance to loans0.9443%4,879
Loan loss allowance to noncurrent loans61.5494%4,535
Noncurrent assets plus other real estate owned to assets0.8141%2,651
Noncurrent loans to loans1.5342%1,519
Net loans and leases to total assets49.8468%4,816
Net loans and leases to deposits59.2055%4,769
Net loans and leases to core deposits86.3400%2,718
Total domestic deposits to total assets84.0226%3,507
Equity capital to assets13.2733%1,277
Core capital (leverage) ratio8.5384%5,356
Tier 1 risk-based capital ratio13.4894%3,982
Total risk-based capital ratio14.4896%4,056
Memoranda:
Average total assets$250,111,926,0009
Average earning assets$221,601,301,5009
Average equity$33,340,845,5008
Average total loans$127,044,705,00010
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5677%5,976
Cost of funding earning assets0.1352%5,784
Net interest margin2.4325%5,872
Noninterest income to average assets0.5979%2,725
Noninterest expense to average assets2.0080%5,437
Loan and lease loss provision to assets0.1889%1,176
Net operating income to assets0.4717%4,806
Return on assets (ROA)0.4575%4,937
Pretax return on assets0.5308%5,038
Return on Equity (ROE)3.3807%5,170
Retained earnings to average equity (ytd only)2.1358%4,501
Net charge-offs to loans0.2440%1,231
Credit loss provision to net charge-offs155.3718%1,718
Earnings coverage of net charge-offs (x)6.0356%3,291
Efficiency ratio70.7968%3,096
Assets per employee ($millions)10.1526%261
Cash dividends to net income (ytd only)*36.8230%3,011
Condition Ratios (%)
Loss allowance to loans0.9220%5,004
Loan loss allowance to noncurrent loans61.9779%4,592
Noncurrent assets plus other real estate owned to assets0.8059%2,658
Noncurrent loans to loans1.4877%1,559
Net loans and leases to total assets50.8094%4,796
Net loans and leases to deposits60.0794%4,771
Net loans and leases to core deposits88.2341%2,578
Total domestic deposits to total assets84.2881%3,370
Equity capital to assets13.3891%1,171
Core capital (leverage) ratio8.6753%5,243
Tier 1 risk-based capital ratio13.5435%3,985
Total risk-based capital ratio14.5223%4,070
Memoranda:
Average total assets$237,453,488,20010
Average earning assets$209,291,602,60010
Average equity$32,131,429,0008
Average total loans$118,349,656,60010
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5648%6,060
Cost of funding earning assets0.1384%5,863
Net interest margin2.4264%5,960
Noninterest income to average assets0.6095%2,691
Noninterest expense to average assets2.0056%5,469
Loan and lease loss provision to assets0.1662%1,272
Net operating income to assets0.4998%4,788
Return on assets (ROA)0.4857%4,935
Pretax return on assets0.5603%5,070
Return on Equity (ROE)3.5798%5,192
Retained earnings to average equity (ytd only)2.3265%4,725
Net charge-offs to loans0.2398%1,089
Credit loss provision to net charge-offs140.1584%1,770
Earnings coverage of net charge-offs (x)6.2431%3,078
Efficiency ratio70.5333%3,129
Assets per employee ($millions)9.8926%284
Cash dividends to net income (ytd only)*35.0113%2,569
Condition Ratios (%)
Loss allowance to loans0.9020%5,197
Loan loss allowance to noncurrent loans66.4833%4,506
Noncurrent assets plus other real estate owned to assets0.7231%3,095
Noncurrent loans to loans1.3568%1,888
Net loans and leases to total assets49.7178%4,953
Net loans and leases to deposits59.2428%4,908
Net loans and leases to core deposits87.2686%2,727
Total domestic deposits to total assets83.6243%3,562
Equity capital to assets13.6673%1,151
Core capital (leverage) ratio8.6622%5,397
Tier 1 risk-based capital ratio13.6990%4,021
Total risk-based capital ratio14.6596%4,113
Memoranda:
Average total assets$235,195,421,25010
Average earning assets$207,105,016,25010
Average equity$31,913,744,0008
Average total loans$116,336,194,25010
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5735%6,128
Cost of funding earning assets0.1400%5,919
Net interest margin2.4335%6,021
Noninterest income to average assets0.5968%2,761
Noninterest expense to average assets2.0519%5,437
Loan and lease loss provision to assets0.1669%1,254
Net operating income to assets0.4470%4,976
Return on assets (ROA)0.4332%5,123
Pretax return on assets0.5077%5,204
Return on Equity (ROE)3.2004%5,338
Retained earnings to average equity (ytd only)1.9333%4,732
Net charge-offs to loans0.2399%1,081
Credit loss provision to net charge-offs141.2883%1,590
Earnings coverage of net charge-offs (x)5.8268%2,878
Efficiency ratio72.3134%2,961
Assets per employee ($millions)9.5250%311
Cash dividends to net income (ytd only)*39.5918%2,407
Condition Ratios (%)
Loss allowance to loans0.9028%5,294
Loan loss allowance to noncurrent loans67.7840%4,540
Noncurrent assets plus other real estate owned to assets0.7132%3,255
Noncurrent loans to loans1.3319%2,019
Net loans and leases to total assets49.6944%4,960
Net loans and leases to deposits59.9913%4,856
Net loans and leases to core deposits87.6869%2,582
Total domestic deposits to total assets82.6641%4,071
Equity capital to assets13.7880%1,063
Core capital (leverage) ratio8.6457%5,379
Tier 1 risk-based capital ratio13.7431%4,070
Total risk-based capital ratio14.7159%4,172
Memoranda:
Average total assets$233,232,745,00010
Average earning assets$205,406,015,33010
Average equity$31,568,495,3308
Average total loans$114,797,480,00010
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5800%6,191
Cost of funding earning assets0.1412%5,987
Net interest margin2.4388%6,075
Noninterest income to average assets0.5837%2,745
Noninterest expense to average assets2.0636%5,465
Loan and lease loss provision to assets0.1681%1,190
Net operating income to assets0.4060%5,051
Return on assets (ROA)0.3919%5,212
Pretax return on assets0.4843%5,222
Return on Equity (ROE)2.9231%5,412
Retained earnings to average equity (ytd only)1.6390%4,818
Net charge-offs to loans0.2463%970
Credit loss provision to net charge-offs139.9627%1,308
Earnings coverage of net charge-offs (x)5.5483%2,377
Efficiency ratio72.8723%3,015
Assets per employee ($millions)9.4435%311
Cash dividends to net income (ytd only)*43.9302%1,928
Condition Ratios (%)
Loss allowance to loans0.9042%5,430
Loan loss allowance to noncurrent loans67.0518%4,521
Noncurrent assets plus other real estate owned to assets0.7125%3,357
Noncurrent loans to loans1.3486%2,131
Net loans and leases to total assets48.4690%4,987
Net loans and leases to deposits58.3314%4,890
Net loans and leases to core deposits85.0034%2,657
Total domestic deposits to total assets82.9064%4,201
Equity capital to assets13.7285%1,078
Core capital (leverage) ratio8.5557%5,469
Tier 1 risk-based capital ratio13.6900%4,230
Total risk-based capital ratio14.6514%4,289
Memoranda:
Average total assets$232,334,315,50010
Average earning assets$204,448,131,50010
Average equity$31,149,827,5008
Average total loans$113,265,849,00010
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7168%6,252
Cost of funding earning assets0.1450%6,124
Net interest margin2.5718%6,098
Noninterest income to average assets0.6315%2,668
Noninterest expense to average assets2.1313%5,507
Loan and lease loss provision to assets0.1353%1,936
Net operating income to assets0.5078%4,782
Return on assets (ROA)0.5026%4,886
Pretax return on assets0.6243%4,857
Return on Equity (ROE)3.8747%5,172
Retained earnings to average equity (ytd only)2.4899%4,462
Net charge-offs to loans0.3043%1,453
Credit loss provision to net charge-offs93.1081%2,577
Earnings coverage of net charge-offs (x)5.2463%3,473
Efficiency ratio70.7987%3,415
Assets per employee ($millions)9.1807%315
Cash dividends to net income (ytd only)*35.7394%3,079
Condition Ratios (%)
Loss allowance to loans0.9033%5,468
Loan loss allowance to noncurrent loans65.0427%4,658
Noncurrent assets plus other real estate owned to assets0.7386%3,361
Noncurrent loans to loans1.3888%2,110
Net loans and leases to total assets48.1494%5,140
Net loans and leases to deposits57.6716%5,084
Net loans and leases to core deposits85.2630%2,755
Total domestic deposits to total assets83.2198%4,001
Equity capital to assets13.0805%1,328
Core capital (leverage) ratio8.0041%6,002
Tier 1 risk-based capital ratio12.9093%4,789
Total risk-based capital ratio13.9114%4,854
Memoranda:
Average total assets$222,684,519,00010
Average earning assets$195,871,702,20010
Average equity$28,884,998,0008
Average total loans$106,359,301,20010
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7386%6,314
Cost of funding earning assets0.1477%6,198
Net interest margin2.5909%6,142
Noninterest income to average assets0.6403%2,624
Noninterest expense to average assets2.1260%5,521
Loan and lease loss provision to assets0.1337%1,870
Net operating income to assets0.5357%4,736
Return on assets (ROA)0.5352%4,812
Pretax return on assets0.6612%4,835
Return on Equity (ROE)4.1348%5,121
Retained earnings to average equity (ytd only)2.7351%4,646
Net charge-offs to loans0.3010%1,314
Credit loss provision to net charge-offs93.4107%2,369
Earnings coverage of net charge-offs (x)5.5328%3,243
Efficiency ratio69.9556%3,515
Assets per employee ($millions)8.9550%343
Cash dividends to net income (ytd only)*33.8525%2,626
Condition Ratios (%)
Loss allowance to loans0.9372%5,477
Loan loss allowance to noncurrent loans68.9500%4,512
Noncurrent assets plus other real estate owned to assets0.7299%3,627
Noncurrent loans to loans1.3593%2,376
Net loans and leases to total assets47.8965%5,215
Net loans and leases to deposits56.6210%5,196
Net loans and leases to core deposits83.7909%2,901
Total domestic deposits to total assets84.4244%3,579
Equity capital to assets13.2210%1,317
Core capital (leverage) ratio8.0064%6,065
Tier 1 risk-based capital ratio12.8731%4,934
Total risk-based capital ratio13.8997%4,981
Memoranda:
Average total assets$220,785,648,75010
Average earning assets$194,083,117,75010
Average equity$28,575,815,7508
Average total loans$104,976,844,25011
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7468%6,369
Cost of funding earning assets0.1465%6,285
Net interest margin2.6003%6,170
Noninterest income to average assets0.6563%2,507
Noninterest expense to average assets2.1085%5,609
Loan and lease loss provision to assets0.1404%1,767
Net operating income to assets0.5701%4,497
Return on assets (ROA)0.5771%4,573
Pretax return on assets0.7025%4,632
Return on Equity (ROE)4.4921%4,922
Retained earnings to average equity (ytd only)3.7825%3,775
Net charge-offs to loans0.3005%1,341
Credit loss provision to net charge-offs98.8133%2,041
Earnings coverage of net charge-offs (x)5.8510%2,860
Efficiency ratio68.7796%3,867
Assets per employee ($millions)8.7520%357
Cash dividends to net income (ytd only)*15.7962%3,303
Condition Ratios (%)
Loss allowance to loans0.9792%5,434
Loan loss allowance to noncurrent loans69.3257%4,534
Noncurrent assets plus other real estate owned to assets0.7685%3,667
Noncurrent loans to loans1.4125%2,440
Net loans and leases to total assets47.7384%5,192
Net loans and leases to deposits56.3727%5,163
Net loans and leases to core deposits82.8460%2,874
Total domestic deposits to total assets84.4996%3,724
Equity capital to assets13.1522%1,290
Core capital (leverage) ratio7.5853%6,283
Tier 1 risk-based capital ratio12.3307%5,345
Total risk-based capital ratio13.4026%5,366
Memoranda:
Average total assets$219,382,344,00010
Average earning assets$192,645,535,67010
Average equity$28,185,501,3308
Average total loans$103,707,638,67011
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7330%6,437
Cost of funding earning assets0.1457%6,376
Net interest margin2.5872%6,254
Noninterest income to average assets0.6322%2,554
Noninterest expense to average assets2.1350%5,606
Loan and lease loss provision to assets0.1887%1,263
Net operating income to assets0.5025%4,676
Return on assets (ROA)0.5294%4,624
Pretax return on assets0.6118%4,795
Return on Equity (ROE)4.1699%4,951
Retained earnings to average equity (ytd only)2.7328%4,449
Net charge-offs to loans0.3589%1,003
Credit loss provision to net charge-offs112.3522%1,528
Earnings coverage of net charge-offs (x)4.5676%2,505
Efficiency ratio70.4402%3,753
Assets per employee ($millions)8.8466%349
Cash dividends to net income (ytd only)*34.4639%2,170
Condition Ratios (%)
Loss allowance to loans1.0243%5,430
Loan loss allowance to noncurrent loans67.4253%4,576
Noncurrent assets plus other real estate owned to assets0.8082%3,720
Noncurrent loans to loans1.5192%2,521
Net loans and leases to total assets46.0675%5,330
Net loans and leases to deposits54.2465%5,261
Net loans and leases to core deposits79.6003%3,022
Total domestic deposits to total assets84.7286%3,985
Equity capital to assets12.7596%1,424
Core capital (leverage) ratio7.3360%6,392
Tier 1 risk-based capital ratio12.1888%5,514
Total risk-based capital ratio13.3004%5,541
Memoranda:
Average total assets$219,244,791,00010
Average earning assets$192,368,136,50010
Average equity$27,833,411,5008
Average total loans$102,612,463,50011
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9387%6,395
Cost of funding earning assets0.1656%6,468
Net interest margin2.7731%6,023
Noninterest income to average assets0.6457%2,829
Noninterest expense to average assets2.3934%5,087
Loan and lease loss provision to assets0.2392%1,514
Net operating income to assets0.3672%5,271
Return on assets (ROA)0.4560%5,058
Pretax return on assets0.5417%5,067
Return on Equity (ROE)3.4829%5,327
Retained earnings to average equity (ytd only)1.8571%4,913
Net charge-offs to loans0.4914%1,352
Credit loss provision to net charge-offs104.8117%2,307
Earnings coverage of net charge-offs (x)2.9512%4,007
Efficiency ratio74.7757%2,999
Assets per employee ($millions)8.6079%381
Cash dividends to net income (ytd only)*46.6783%2,448
Condition Ratios (%)
Loss allowance to loans1.0208%5,460
Loan loss allowance to noncurrent loans66.0319%4,627
Noncurrent assets plus other real estate owned to assets0.8399%3,792
Noncurrent loans to loans1.5460%2,575
Net loans and leases to total assets46.5846%5,441
Net loans and leases to deposits54.7633%5,404
Net loans and leases to core deposits81.3368%2,971
Total domestic deposits to total assets84.6670%3,900
Equity capital to assets12.6297%1,449
Core capital (leverage) ratio6.7383%6,568
Tier 1 risk-based capital ratio11.1169%6,112
Total risk-based capital ratio12.2593%6,112
Memoranda:
Average total assets$211,431,883,20010
Average earning assets$184,616,671,00010
Average equity$27,679,425,4008
Average total loans$98,217,253,20011
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9725%6,445
Cost of funding earning assets0.1678%6,563
Net interest margin2.8047%6,009
Noninterest income to average assets0.6350%2,954
Noninterest expense to average assets2.4168%4,973
Loan and lease loss provision to assets0.2346%1,542
Net operating income to assets0.3548%5,422
Return on assets (ROA)0.4589%5,128
Pretax return on assets0.5608%5,164
Return on Equity (ROE)3.4737%5,445
Retained earnings to average equity (ytd only)2.0312%5,113
Net charge-offs to loans0.5075%1,268
Credit loss provision to net charge-offs99.8364%2,388
Earnings coverage of net charge-offs (x)2.8296%3,890
Efficiency ratio75.1014%2,887
Assets per employee ($millions)8.5577%371
Cash dividends to net income (ytd only)*41.5273%2,233
Condition Ratios (%)
Loss allowance to loans1.0190%5,637
Loan loss allowance to noncurrent loans63.3960%4,679
Noncurrent assets plus other real estate owned to assets0.8508%3,991
Noncurrent loans to loans1.6074%2,763
Net loans and leases to total assets46.1684%5,532
Net loans and leases to deposits54.7055%5,474
Net loans and leases to core deposits81.4041%2,947
Total domestic deposits to total assets84.2510%4,083
Equity capital to assets12.7367%1,458
Core capital (leverage) ratio6.8765%6,609
Tier 1 risk-based capital ratio11.2856%6,158
Total risk-based capital ratio12.4308%6,168
Memoranda:
Average total assets$209,883,312,50010
Average earning assets$183,085,895,7509
Average equity$27,727,916,0008
Average total loans$97,165,122,25011
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9866%6,463
Cost of funding earning assets0.1724%6,612
Net interest margin2.8141%5,977
Noninterest income to average assets0.6414%2,960
Noninterest expense to average assets2.4554%4,879
Loan and lease loss provision to assets0.2509%1,479
Net operating income to assets0.3232%5,509
Return on assets (ROA)0.4863%5,032
Pretax return on assets0.5860%5,072
Return on Equity (ROE)3.6360%5,367
Retained earnings to average equity (ytd only)2.5578%4,675
Net charge-offs to loans0.5229%1,264
Credit loss provision to net charge-offs103.9296%2,127
Earnings coverage of net charge-offs (x)2.6382%3,642
Efficiency ratio76.0107%2,784
Assets per employee ($millions)8.4421%390
Cash dividends to net income (ytd only)*29.6534%2,676
Condition Ratios (%)
Loss allowance to loans1.0552%5,606
Loan loss allowance to noncurrent loans62.4640%4,687
Noncurrent assets plus other real estate owned to assets0.8909%4,009
Noncurrent loans to loans1.6893%2,780
Net loans and leases to total assets45.8740%5,547
Net loans and leases to deposits54.3813%5,492
Net loans and leases to core deposits81.5179%2,856
Total domestic deposits to total assets84.0467%4,293
Equity capital to assets12.9242%1,372
Core capital (leverage) ratio7.0621%6,597
Tier 1 risk-based capital ratio11.6309%6,041
Total risk-based capital ratio12.8120%6,037
Memoranda:
Average total assets$208,033,630,00010
Average earning assets$181,188,871,00010
Average equity$27,824,210,3308
Average total loans$96,058,237,33011
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0325%6,477
Cost of funding earning assets0.1797%6,678
Net interest margin2.8528%5,907
Noninterest income to average assets0.6938%2,627
Noninterest expense to average assets2.5745%4,493
Loan and lease loss provision to assets0.2212%1,674
Net operating income to assets0.3077%5,543
Return on assets (ROA)0.4234%5,188
Pretax return on assets0.5277%5,180
Return on Equity (ROE)3.1119%5,541
Retained earnings to average equity (ytd only)3.1119%4,407
Net charge-offs to loans0.6470%946
Credit loss provision to net charge-offs74.2088%2,239
Earnings coverage of net charge-offs (x)2.0197%3,157
Efficiency ratio77.5778%2,678
Assets per employee ($millions)8.3146%429
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.0397%5,836
Loan loss allowance to noncurrent loans59.6501%4,735
Noncurrent assets plus other real estate owned to assets0.9241%4,085
Noncurrent loans to loans1.7430%2,938
Net loans and leases to total assets45.6796%5,470
Net loans and leases to deposits54.6869%5,382
Net loans and leases to core deposits80.2866%2,778
Total domestic deposits to total assets83.4064%4,709
Equity capital to assets13.5012%1,209
Core capital (leverage) ratio7.1426%6,602
Tier 1 risk-based capital ratio11.7795%6,042
Total risk-based capital ratio12.9752%6,050
Memoranda:
Average total assets$205,966,832,50010
Average earning assets$179,253,498,50010
Average equity$28,025,859,0008
Average total loans$94,903,537,00012
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4053%6,481
Cost of funding earning assets0.2407%6,709
Net interest margin3.1646%5,655
Noninterest income to average assets0.6630%2,922
Noninterest expense to average assets2.5562%4,913
Loan and lease loss provision to assets0.3891%1,676
Net operating income to assets0.3571%5,264
Return on assets (ROA)0.3945%5,361
Pretax return on assets0.5026%5,270
Return on Equity (ROE)2.7878%5,638
Retained earnings to average equity (ytd only)0.4480%5,630
Net charge-offs to loans0.8401%1,379
Credit loss provision to net charge-offs104.3995%2,861
Earnings coverage of net charge-offs (x)2.2528%4,293
Efficiency ratio71.6204%3,496
Assets per employee ($millions)8.0026%500
Cash dividends to net income (ytd only)*83.9300%876
Condition Ratios (%)
Loss allowance to loans1.1096%5,518
Loan loss allowance to noncurrent loans62.3971%4,570
Noncurrent assets plus other real estate owned to assets0.9437%4,142
Noncurrent loans to loans1.7783%2,953
Net loans and leases to total assets45.4827%5,669
Net loans and leases to deposits54.6427%5,592
Net loans and leases to core deposits81.3642%2,840
Total domestic deposits to total assets83.0814%4,687
Equity capital to assets13.7148%1,147
Core capital (leverage) ratio7.2346%6,623
Tier 1 risk-based capital ratio11.8614%5,867
Total risk-based capital ratio13.1199%5,824
Memoranda:
Average total assets$196,492,163,00011
Average earning assets$169,680,126,00011
Average equity$27,805,748,8008
Average total loans$87,173,812,20012
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4703%6,544
Cost of funding earning assets0.2502%6,809
Net interest margin3.2201%5,652
Noninterest income to average assets0.6604%2,931
Noninterest expense to average assets2.6247%4,657
Loan and lease loss provision to assets0.3563%1,830
Net operating income to assets0.3520%5,425
Return on assets (ROA)0.3708%5,565
Pretax return on assets0.4865%5,499
Return on Equity (ROE)2.5994%5,851
Retained earnings to average equity (ytd only)1.1587%5,710
Net charge-offs to loans0.9024%1,208
Credit loss provision to net charge-offs89.8667%3,301
Earnings coverage of net charge-offs (x)2.0506%4,241
Efficiency ratio72.6315%3,207
Assets per employee ($millions)7.7326%532
Cash dividends to net income (ytd only)*55.4249%1,453
Condition Ratios (%)
Loss allowance to loans1.0360%5,950
Loan loss allowance to noncurrent loans57.2007%4,788
Noncurrent assets plus other real estate owned to assets0.9480%4,389
Noncurrent loans to loans1.8112%3,062
Net loans and leases to total assets44.7491%5,900
Net loans and leases to deposits54.7353%5,745
Net loans and leases to core deposits81.1155%3,078
Total domestic deposits to total assets81.5109%5,186
Equity capital to assets14.1060%1,119
Core capital (leverage) ratio7.3834%6,680
Tier 1 risk-based capital ratio12.2922%5,772
Total risk-based capital ratio13.4955%5,780
Memoranda:
Average total assets$194,618,800,00010
Average earning assets$167,859,211,75010
Average equity$27,763,111,0007
Average total loans$85,512,455,50012
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5254%6,577
Cost of funding earning assets0.2629%6,872
Net interest margin3.2625%5,561
Noninterest income to average assets0.6686%2,840
Noninterest expense to average assets2.7305%4,288
Loan and lease loss provision to assets0.3389%1,943
Net operating income to assets0.3314%5,494
Return on assets (ROA)0.3370%5,693
Pretax return on assets0.4195%5,663
Return on Equity (ROE)2.3534%5,933
Retained earnings to average equity (ytd only)1.2660%5,565
Net charge-offs to loans0.8855%1,243
Credit loss provision to net charge-offs87.9969%3,104
Earnings coverage of net charge-offs (x)1.9402%4,006
Efficiency ratio74.7479%2,942
Assets per employee ($millions)7.6729%545
Cash dividends to net income (ytd only)*46.2070%1,911
Condition Ratios (%)
Loss allowance to loans1.0909%5,817
Loan loss allowance to noncurrent loans58.9542%4,692
Noncurrent assets plus other real estate owned to assets0.9692%4,435
Noncurrent loans to loans1.8503%3,149
Net loans and leases to total assets44.0544%6,008
Net loans and leases to deposits53.9900%5,864
Net loans and leases to core deposits79.9345%3,229
Total domestic deposits to total assets81.3143%5,359
Equity capital to assets14.2488%1,001
Core capital (leverage) ratio7.4062%6,663
Tier 1 risk-based capital ratio12.6134%5,487
Total risk-based capital ratio13.8578%5,475
Memoranda:
Average total assets$192,643,011,67010
Average earning assets$165,873,154,33010
Average equity$27,587,776,3307
Average total loans$83,789,269,33013
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5952%6,582
Cost of funding earning assets0.2707%6,944
Net interest margin3.3245%5,390
Noninterest income to average assets0.6454%2,956
Noninterest expense to average assets2.7122%4,385
Loan and lease loss provision to assets0.3350%1,869
Net operating income to assets0.3602%5,428
Return on assets (ROA)0.3575%5,626
Pretax return on assets0.4596%5,558
Return on Equity (ROE)2.4899%5,911
Retained earnings to average equity (ytd only)2.4899%5,015
Net charge-offs to loans0.8973%1,147
Credit loss provision to net charge-offs86.9144%2,606
Earnings coverage of net charge-offs (x)2.0578%3,324
Efficiency ratio73.4611%3,186
Assets per employee ($millions)7.5897%575
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.1281%5,812
Loan loss allowance to noncurrent loans52.8783%4,903
Noncurrent assets plus other real estate owned to assets1.0705%4,353
Noncurrent loans to loans2.1335%2,988
Net loans and leases to total assets42.7150%6,124
Net loans and leases to deposits52.3598%5,949
Net loans and leases to core deposits76.5873%3,542
Total domestic deposits to total assets81.5039%5,460
Equity capital to assets14.2522%938
Core capital (leverage) ratio7.5282%6,615
Tier 1 risk-based capital ratio13.1158%5,120
Total risk-based capital ratio14.4096%5,058
Memoranda:
Average total assets$190,993,085,50010
Average earning assets$164,304,745,00010
Average equity$27,421,930,5007
Average total loans$82,047,209,50012
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5709%6,950
Cost of funding earning assets0.3351%7,043
Net interest margin3.2358%5,987
Noninterest income to average assets0.7664%2,255
Noninterest expense to average assets2.7191%4,672
Loan and lease loss provision to assets0.3512%2,896
Net operating income to assets0.3605%5,030
Return on assets (ROA)0.3786%5,129
Pretax return on assets0.4972%5,001
Return on Equity (ROE)2.5579%5,458
Retained earnings to average equity (ytd only)0.8696%5,454
Net charge-offs to loans0.8387%2,068
Credit loss provision to net charge-offs101.3835%3,427
Earnings coverage of net charge-offs (x)2.3645%4,037
Efficiency ratio72.4788%3,480
Assets per employee ($millions)7.3564%615
Cash dividends to net income (ytd only)*66.0021%1,305
Condition Ratios (%)
Loss allowance to loans1.1919%5,433
Loan loss allowance to noncurrent loans48.3205%5,121
Noncurrent assets plus other real estate owned to assets1.1482%4,322
Noncurrent loans to loans2.4666%2,670
Net loans and leases to total assets42.1996%6,369
Net loans and leases to deposits52.0538%6,209
Net loans and leases to core deposits77.3386%3,771
Total domestic deposits to total assets80.9969%5,447
Equity capital to assets14.4652%908
Core capital (leverage) ratio7.5056%6,647
Tier 1 risk-based capital ratio13.1775%4,933
Total risk-based capital ratio14.5597%4,811
Memoranda:
Average total assets$180,063,328,40011
Average earning assets$154,237,867,20010
Average equity$26,655,006,6007
Average total loans$74,371,762,20014
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6005%7,019
Cost of funding earning assets0.3515%7,123
Net interest margin3.2490%6,018
Noninterest income to average assets0.8099%2,011
Noninterest expense to average assets2.5958%5,091
Loan and lease loss provision to assets0.3515%2,763
Net operating income to assets0.4681%4,681
Return on assets (ROA)0.4514%4,960
Pretax return on assets0.6289%4,718
Return on Equity (ROE)3.0310%5,403
Retained earnings to average equity (ytd only)1.5209%5,375
Net charge-offs to loans0.7986%1,966
Credit loss provision to net charge-offs107.5317%3,075
Earnings coverage of net charge-offs (x)3.0471%3,612
Efficiency ratio67.8325%4,354
Assets per employee ($millions)7.1726%675
Cash dividends to net income (ytd only)*49.8231%1,601
Condition Ratios (%)
Loss allowance to loans1.2705%5,147
Loan loss allowance to noncurrent loans49.5412%5,044
Noncurrent assets plus other real estate owned to assets1.1503%4,490
Noncurrent loans to loans2.5645%2,699
Net loans and leases to total assets40.8502%6,574
Net loans and leases to deposits50.8755%6,451
Net loans and leases to core deposits74.8204%4,341
Total domestic deposits to total assets80.2156%5,673
Equity capital to assets14.7224%927
Core capital (leverage) ratio7.7500%6,597
Tier 1 risk-based capital ratio13.7554%4,534
Total risk-based capital ratio15.2220%4,343
Memoranda:
Average total assets$177,851,022,00010
Average earning assets$152,278,188,75010
Average equity$26,487,094,2508
Average total loans$72,794,204,00014
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6413%7,069
Cost of funding earning assets0.3689%7,191
Net interest margin3.2724%5,933
Noninterest income to average assets0.8689%1,747
Noninterest expense to average assets2.5999%5,180
Loan and lease loss provision to assets0.3599%2,631
Net operating income to assets0.4775%4,604
Return on assets (ROA)0.4548%4,832
Pretax return on assets0.6852%4,435
Return on Equity (ROE)3.0415%5,376
Retained earnings to average equity (ytd only)1.8927%5,033
Net charge-offs to loans0.8239%1,860
Credit loss provision to net charge-offs107.1477%2,875
Earnings coverage of net charge-offs (x)3.1828%3,276
Efficiency ratio66.3846%4,803
Assets per employee ($millions)6.9767%732
Cash dividends to net income (ytd only)*37.7723%2,173
Condition Ratios (%)
Loss allowance to loans1.2626%5,242
Loan loss allowance to noncurrent loans47.5245%5,162
Noncurrent assets plus other real estate owned to assets1.2283%4,439
Noncurrent loans to loans2.6568%2,741
Net loans and leases to total assets42.1561%6,581
Net loans and leases to deposits53.2091%6,371
Net loans and leases to core deposits77.1239%4,172
Total domestic deposits to total assets79.1510%6,050
Equity capital to assets14.8819%846
Core capital (leverage) ratio7.8581%6,451
Tier 1 risk-based capital ratio13.7421%4,349
Total risk-based capital ratio15.2397%4,151
Memoranda:
Average total assets$174,622,994,00010
Average earning assets$149,423,355,00010
Average equity$26,112,927,0008
Average total loans$71,194,194,67016
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6371%7,113
Cost of funding earning assets0.3745%7,277
Net interest margin3.2626%5,895
Noninterest income to average assets0.7925%2,060
Noninterest expense to average assets2.5451%5,405
Loan and lease loss provision to assets0.3723%2,325
Net operating income to assets0.4515%4,713
Return on assets (ROA)0.4211%4,939
Pretax return on assets0.6310%4,567
Return on Equity (ROE)2.8087%5,463
Retained earnings to average equity (ytd only)2.8087%4,485
Net charge-offs to loans0.7560%1,711
Credit loss provision to net charge-offs123.8491%2,223
Earnings coverage of net charge-offs (x)3.4545%2,738
Efficiency ratio66.2139%4,999
Assets per employee ($millions)7.3704%618
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4139%4,590
Loan loss allowance to noncurrent loans49.3470%5,045
Noncurrent assets plus other real estate owned to assets1.2316%4,490
Noncurrent loans to loans2.8653%2,632
Net loans and leases to total assets38.8948%6,848
Net loans and leases to deposits48.1818%6,745
Net loans and leases to core deposits69.1276%5,149
Total domestic deposits to total assets80.6325%5,777
Equity capital to assets14.9618%778
Core capital (leverage) ratio8.1105%6,115
Tier 1 risk-based capital ratio15.0538%3,394
Total risk-based capital ratio16.6959%3,136
Memoranda:
Average total assets$171,949,090,00010
Average earning assets$147,098,484,50010
Average equity$25,777,885,5008
Average total loans$68,371,865,00017
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5081%7,382
Cost of funding earning assets0.4455%7,375
Net interest margin3.0627%6,613
Noninterest income to average assets0.8844%1,911
Noninterest expense to average assets2.4842%5,852
Loan and lease loss provision to assets0.3762%3,866
Net operating income to assets0.5158%4,017
Return on assets (ROA)0.4078%4,638
Pretax return on assets0.4898%4,653
Return on Equity (ROE)2.6431%5,115
Retained earnings to average equity (ytd only)1.2422%4,935
Net charge-offs to loans0.9013%2,391
Credit loss provision to net charge-offs106.2177%4,207
Earnings coverage of net charge-offs (x)2.7971%3,679
Efficiency ratio65.8884%4,990
Assets per employee ($millions)7.1455%701
Cash dividends to net income (ytd only)*53.0034%1,935
Condition Ratios (%)
Loss allowance to loans1.3989%4,510
Loan loss allowance to noncurrent loans45.7334%5,271
Noncurrent assets plus other real estate owned to assets1.3198%4,390
Noncurrent loans to loans3.0588%2,497
Net loans and leases to total assets39.5240%6,993
Net loans and leases to deposits48.9367%6,908
Net loans and leases to core deposits70.9863%5,331
Total domestic deposits to total assets80.6682%5,632
Equity capital to assets15.0225%782
Core capital (leverage) ratio7.5679%6,645
Tier 1 risk-based capital ratio14.0044%3,870
Total risk-based capital ratio15.6214%3,587
Memoranda:
Average total assets$155,416,970,40012
Average earning assets$131,449,465,00012
Average equity$23,981,726,0009
Average total loans$61,066,941,80017
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4985%7,532
Cost of funding earning assets0.4639%7,497
Net interest margin3.0345%6,760
Noninterest income to average assets0.9071%1,772
Noninterest expense to average assets2.4849%5,765
Loan and lease loss provision to assets0.4005%3,501
Net operating income to assets0.5405%4,130
Return on assets (ROA)0.4206%4,839
Pretax return on assets0.4550%5,063
Return on Equity (ROE)2.7058%5,345
Retained earnings to average equity (ytd only)0.8109%5,485
Net charge-offs to loans0.9793%2,042
Credit loss provision to net charge-offs104.6682%4,094
Earnings coverage of net charge-offs (x)2.5686%3,871
Efficiency ratio65.9021%4,881
Assets per employee ($millions)7.1840%711
Cash dividends to net income (ytd only)*70.0307%904
Condition Ratios (%)
Loss allowance to loans1.4197%4,358
Loan loss allowance to noncurrent loans47.3870%5,128
Noncurrent assets plus other real estate owned to assets1.2848%4,572
Noncurrent loans to loans2.9960%2,661
Net loans and leases to total assets38.6296%7,157
Net loans and leases to deposits48.4272%7,069
Net loans and leases to core deposits70.7334%5,677
Total domestic deposits to total assets79.6750%5,815
Equity capital to assets15.3121%821
Core capital (leverage) ratio8.0025%6,339
Tier 1 risk-based capital ratio14.0192%3,818
Total risk-based capital ratio15.6668%3,531
Memoranda:
Average total assets$152,083,985,00013
Average earning assets$128,334,321,50012
Average equity$23,639,565,75010
Average total loans$59,423,019,25018
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5567%7,594
Cost of funding earning assets0.4972%7,548
Net interest margin3.0595%6,703
Noninterest income to average assets0.9779%1,442
Noninterest expense to average assets2.5771%5,421
Loan and lease loss provision to assets0.4143%3,245
Net operating income to assets0.5602%4,036
Return on assets (ROA)0.3895%4,962
Pretax return on assets0.3907%5,256
Return on Equity (ROE)2.4919%5,468
Retained earnings to average equity (ytd only)2.4919%4,570
Net charge-offs to loans1.0224%1,827
Credit loss provision to net charge-offs103.8141%3,927
Earnings coverage of net charge-offs (x)2.4448%3,770
Efficiency ratio66.6868%4,846
Assets per employee ($millions)7.2540%684
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.5608%3,621
Loan loss allowance to noncurrent loans59.8418%4,348
Noncurrent assets plus other real estate owned to assets1.0861%4,961
Noncurrent loans to loans2.6082%3,030
Net loans and leases to total assets38.1515%7,263
Net loans and leases to deposits47.7500%7,176
Net loans and leases to core deposits70.6871%5,808
Total domestic deposits to total assets79.8039%5,787
Equity capital to assets15.8753%693
Core capital (leverage) ratio7.6481%6,679
Tier 1 risk-based capital ratio14.6116%3,377
Total risk-based capital ratio16.2430%3,125
Memoranda:
Average total assets$146,913,283,67013
Average earning assets$123,637,893,33013
Average equity$22,965,236,67011
Average total loans$57,339,312,67018
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5489%7,694
Cost of funding earning assets0.5159%7,655
Net interest margin3.0331%6,757
Noninterest income to average assets1.1114%1,019
Noninterest expense to average assets2.8100%4,447
Loan and lease loss provision to assets0.4514%2,710
Net operating income to assets0.2620%5,442
Return on assets (ROA)0.1308%6,044
Pretax return on assets0.2126%5,840
Return on Equity (ROE)0.8439%6,163
Retained earnings to average equity (ytd only)0.8439%5,479
Net charge-offs to loans1.1048%1,521
Credit loss provision to net charge-offs104.2848%3,285
Earnings coverage of net charge-offs (x)1.9728%3,550
Efficiency ratio70.7775%4,160
Assets per employee ($millions)7.3538%701
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.6037%3,425
Loan loss allowance to noncurrent loans75.3187%3,614
Noncurrent assets plus other real estate owned to assets0.8726%5,415
Noncurrent loans to loans2.1292%3,613
Net loans and leases to total assets38.0643%7,346
Net loans and leases to deposits47.3230%7,262
Net loans and leases to core deposits68.5431%6,051
Total domestic deposits to total assets80.3280%5,675
Equity capital to assets15.3003%810
Core capital (leverage) ratio7.3061%7,022
Tier 1 risk-based capital ratio13.5870%3,934
Total risk-based capital ratio15.3614%3,552
Memoranda:
Average total assets$144,061,415,50013
Average earning assets$121,234,167,00013
Average equity$22,333,685,50011
Average total loans$56,434,551,00018
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2837%7,565
Cost of funding earning assets0.8880%7,426
Net interest margin3.3957%5,382
Noninterest income to average assets0.9328%1,823
Noninterest expense to average assets2.9367%4,403
Loan and lease loss provision to assets0.6319%3,279
Net operating income to assets0.0920%5,232
Return on assets (ROA)0.0279%5,454
Pretax return on assets0.0010%5,443
Return on Equity (ROE)0.1581%5,488
Retained earnings to average equity (ytd only)-0.5037%5,105
Net charge-offs to loans0.8288%2,755
Credit loss provision to net charge-offs161.5015%2,744
Earnings coverage of net charge-offs (x)1.7812%4,387
Efficiency ratio72.4907%4,185
Assets per employee ($millions)7.0012%790
Cash dividends to net income (ytd only)*418.5705%67
Condition Ratios (%)
Loss allowance to loans1.6408%3,120
Loan loss allowance to noncurrent loans78.5718%3,499
Noncurrent assets plus other real estate owned to assets0.8878%5,325
Noncurrent loans to loans2.0883%3,537
Net loans and leases to total assets39.0401%7,403
Net loans and leases to deposits48.9914%7,312
Net loans and leases to core deposits51.7748%7,534
Total domestic deposits to total assets79.5633%5,828
Equity capital to assets15.7171%737
Core capital (leverage) ratio7.3251%6,958
Tier 1 risk-based capital ratio13.2817%3,957
Total risk-based capital ratio15.0653%3,560
Memoranda:
Average total assets$112,219,079,00019
Average earning assets$89,256,733,80018
Average equity$19,793,912,40012
Average total loans$52,975,330,80019
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6854%7,302
Cost of funding earning assets1.0184%7,351
Net interest margin3.6670%4,214
Noninterest income to average assets0.9424%1,808
Noninterest expense to average assets3.0935%3,667
Loan and lease loss provision to assets0.6637%2,752
Net operating income to assets0.0727%5,550
Return on assets (ROA)0.0255%5,704
Pretax return on assets0.0040%5,699
Return on Equity (ROE)0.1397%5,734
Retained earnings to average equity (ytd only)-0.7681%5,424
Net charge-offs to loans0.7954%2,376
Credit loss provision to net charge-offs167.8805%2,790
Earnings coverage of net charge-offs (x)1.8082%4,445
Efficiency ratio72.5709%4,137
Assets per employee ($millions)5.3431%1,750
Cash dividends to net income (ytd only)*649.8339%53
Condition Ratios (%)
Loss allowance to loans1.6062%2,964
Loan loss allowance to noncurrent loans87.3950%3,144
Noncurrent assets plus other real estate owned to assets0.9759%5,109
Noncurrent loans to loans1.8379%3,857
Net loans and leases to total assets48.4189%6,915
Net loans and leases to deposits65.1834%6,383
Net loans and leases to core deposits71.3798%6,882
Total domestic deposits to total assets74.1183%6,924
Equity capital to assets19.0213%419
Core capital (leverage) ratio8.0905%6,197
Tier 1 risk-based capital ratio11.0771%5,874
Total risk-based capital ratio12.8734%5,253
Memoranda:
Average total assets$105,264,211,00020
Average earning assets$82,270,861,75022
Average equity$19,239,894,00011
Average total loans$52,323,355,75022
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8739%7,089
Cost of funding earning assets1.1196%7,325
Net interest margin3.7543%3,736
Noninterest income to average assets0.9921%1,618
Noninterest expense to average assets3.1732%3,419
Loan and lease loss provision to assets0.6708%2,425
Net operating income to assets0.0759%5,633
Return on assets (ROA)0.0198%5,862
Pretax return on assets0.0109%5,846
Return on Equity (ROE)0.1101%5,885
Retained earnings to average equity (ytd only)-1.2833%5,562
Net charge-offs to loans0.7572%2,167
Credit loss provision to net charge-offs177.5990%2,581
Earnings coverage of net charge-offs (x)1.9532%4,124
Efficiency ratio72.5487%4,294
Assets per employee ($millions)5.0148%2,058
Cash dividends to net income (ytd only)*1,265.8228%31
Condition Ratios (%)
Loss allowance to loans1.5056%3,159
Loan loss allowance to noncurrent loans96.8929%2,977
Noncurrent assets plus other real estate owned to assets0.8438%5,302
Noncurrent loans to loans1.5539%4,164
Net loans and leases to total assets49.8009%6,889
Net loans and leases to deposits65.9699%6,395
Net loans and leases to core deposits73.1535%6,833
Total domestic deposits to total assets75.2476%6,709
Equity capital to assets18.7459%477
Core capital (leverage) ratio7.5159%6,990
Tier 1 risk-based capital ratio10.4089%6,468
Total risk-based capital ratio12.1545%5,918
Memoranda:
Average total assets$104,343,458,00019
Average earning assets$81,122,608,33021
Average equity$18,803,835,00012
Average total loans$52,044,791,67021
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9030%7,169
Cost of funding earning assets1.2088%7,283
Net interest margin3.6942%3,912
Noninterest income to average assets1.0137%1,445
Noninterest expense to average assets3.0482%3,561
Loan and lease loss provision to assets0.8010%1,611
Net operating income to assets0.0429%6,151
Return on assets (ROA)0.0222%6,358
Pretax return on assets-0.0020%6,380
Return on Equity (ROE)0.1260%6,384
Retained earnings to average equity (ytd only)-2.7189%6,225
Net charge-offs to loans0.7866%1,640
Credit loss provision to net charge-offs205.5686%2,164
Earnings coverage of net charge-offs (x)2.1037%3,672
Efficiency ratio69.8739%4,610
Assets per employee ($millions)5.0663%2,003
Cash dividends to net income (ytd only)*2,258.6207%8
Condition Ratios (%)
Loss allowance to loans1.4369%3,311
Loan loss allowance to noncurrent loans109.0633%2,829
Noncurrent assets plus other real estate owned to assets0.7008%5,401
Noncurrent loans to loans1.3175%4,343
Net loans and leases to total assets48.0393%7,018
Net loans and leases to deposits64.3238%6,528
Net loans and leases to core deposits72.3031%6,902
Total domestic deposits to total assets74.4639%6,809
Equity capital to assets17.7950%629
Core capital (leverage) ratio7.7261%6,856
Tier 1 risk-based capital ratio10.2731%6,618
Total risk-based capital ratio12.0165%6,033
Memoranda:
Average total assets$104,308,519,00020
Average earning assets$80,589,726,50022
Average equity$18,419,162,00011
Average total loans$51,670,333,50022
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7126%6,739
Cost of funding earning assets1.7305%7,183
Net interest margin3.9820%3,208
Noninterest income to average assets1.1865%1,081
Noninterest expense to average assets3.2145%3,284
Loan and lease loss provision to assets0.3828%3,401
Net operating income to assets0.4536%4,936
Return on assets (ROA)0.4777%4,658
Pretax return on assets0.7136%4,354
Return on Equity (ROE)2.7480%5,324
Retained earnings to average equity (ytd only)0.9470%4,659
Net charge-offs to loans0.5672%2,114
Credit loss provision to net charge-offs140.0301%3,792
Earnings coverage of net charge-offs (x)3.8792%4,194
Efficiency ratio67.0512%4,901
Assets per employee ($millions)4.9666%1,974
Cash dividends to net income (ytd only)*65.5383%2,396
Condition Ratios (%)
Loss allowance to loans1.2539%4,101
Loan loss allowance to noncurrent loans112.8779%3,117
Noncurrent assets plus other real estate owned to assets0.6047%5,385
Noncurrent loans to loans1.1109%4,327
Net loans and leases to total assets49.7427%7,053
Net loans and leases to deposits65.8704%6,657
Net loans and leases to core deposits74.5660%6,931
Total domestic deposits to total assets75.2474%6,391
Equity capital to assets17.5145%715
Core capital (leverage) ratio6.8004%7,818
Tier 1 risk-based capital ratio9.1200%7,695
Total risk-based capital ratio10.7439%7,234
Memoranda:
Average total assets$99,013,266,60020
Average earning assets$76,793,714,80021
Average equity$17,212,541,60013
Average total loans$47,720,161,40024