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Texas Capital Bank, Performance and Condition Ratios

2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0805%4,678
Cost of funding earning assets0.5765%2,760
Net interest margin2.5040%4,656
Noninterest income to average assets0.3463%3,395
Noninterest expense to average assets1.8821%4,362
Loan and lease loss provision to assets0.8185%215
Net operating income to assets0.0556%4,735
Return on assets (ROA)0.0594%4,757
Pretax return on assets0.0798%4,742
Return on Equity (ROE)0.7517%4,732
Retained earnings to average equity (ytd only)0.3844%4,409
Net charge-offs to loans0.6829%206
Credit loss provision to net charge-offs164.8532%2,246
Earnings coverage of net charge-offs (x)1.7997%3,045
Efficiency ratio67.7630%2,222
Assets per employee ($millions)23.7259%62
Cash dividends to net income (ytd only)*48.8661%1,544
Condition Ratios (%)
Loss allowance to loans1.1243%3,071
Loan loss allowance to noncurrent loans149.9770%2,705
Noncurrent assets plus other real estate owned to assets0.5040%2,190
Noncurrent loans to loans0.7496%1,928
Net loans and leases to total assets66.4739%2,452
Net loans and leases to deposits79.6947%2,348
Net loans and leases to core deposits94.0458%1,635
Total domestic deposits to total assets83.4107%3,020
Equity capital to assets7.4087%4,878
Core capital (leverage) ratio7.4132%4,889
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.4249%3,045
Memoranda:
Average total assets$35,830,380,50060
Average earning assets$34,762,478,00056
Average equity$2,831,262,00078
Average total loans$26,051,581,00051
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2989%4,654
Cost of funding earning assets0.6833%2,484
Net interest margin2.6157%4,638
Noninterest income to average assets0.2631%3,893
Noninterest expense to average assets2.0037%4,228
Loan and lease loss provision to assets1.1032%174
Net operating income to assets-0.2499%4,870
Return on assets (ROA)-0.2502%4,868
Pretax return on assets-0.3090%4,867
Return on Equity (ROE)-3.0962%4,895
Retained earnings to average equity (ytd only)-3.4640%4,689
Net charge-offs to loans1.0090%145
Credit loss provision to net charge-offs146.3347%2,150
Earnings coverage of net charge-offs (x)1.0540%2,885
Efficiency ratio71.5570%1,753
Assets per employee ($millions)22.5654%67
Cash dividends to net income (ytd only)*-11.8819%5,022
Condition Ratios (%)
Loss allowance to loans1.0193%3,476
Loan loss allowance to noncurrent loans128.9679%2,850
Noncurrent assets plus other real estate owned to assets0.5615%2,121
Noncurrent loans to loans0.7903%1,914
Net loans and leases to total assets70.3229%1,983
Net loans and leases to deposits84.9750%1,890
Net loans and leases to core deposits100.9507%1,189
Total domestic deposits to total assets82.7572%3,162
Equity capital to assets7.5933%4,856
Core capital (leverage) ratio7.3333%4,955
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.1408%3,145
Memoranda:
Average total assets$34,977,647,00060
Average earning assets$33,900,883,00056
Average equity$2,826,990,33378
Average total loans$26,132,584,33351
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7028%4,392
Cost of funding earning assets0.9133%1,801
Net interest margin2.7895%4,578
Noninterest income to average assets-0.0101%5,075
Noninterest expense to average assets1.7430%4,733
Loan and lease loss provision to assets1.1118%182
Net operating income to assets-0.1261%4,813
Return on assets (ROA)-0.1598%4,810
Pretax return on assets-0.2044%4,813
Return on Equity (ROE)-1.9148%4,835
Retained earnings to average equity (ytd only)-2.2793%4,280
Net charge-offs to loans0.8805%167
Credit loss provision to net charge-offs164.6864%1,538
Earnings coverage of net charge-offs (x)1.4049%2,392
Efficiency ratio64.7087%3,117
Assets per employee ($millions)20.3218%60
Cash dividends to net income (ytd only)*-19.0406%5,071
Condition Ratios (%)
Loss allowance to loans0.9557%3,909
Loan loss allowance to noncurrent loans96.5949%3,284
Noncurrent assets plus other real estate owned to assets0.6959%1,925
Noncurrent loans to loans0.9894%1,670
Net loans and leases to total assets69.6613%2,299
Net loans and leases to deposits91.7954%1,310
Net loans and leases to core deposits112.5003%732
Total domestic deposits to total assets75.8876%4,498
Equity capital to assets7.9235%4,985
Core capital (leverage) ratio8.2684%4,900
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.5141%3,223
Memoranda:
Average total assets$34,188,503,00059
Average earning assets$33,110,224,00056
Average equity$2,852,590,00078
Average total loans$26,212,921,50051
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6446%2,488
Cost of funding earning assets1.2753%826
Net interest margin3.3693%3,825
Noninterest income to average assets0.2167%4,366
Noninterest expense to average assets1.8384%4,727
Loan and lease loss provision to assets0.2549%707
Net operating income to assets1.0981%2,452
Return on assets (ROA)1.0950%2,565
Pretax return on assets1.3812%2,229
Return on Equity (ROE)12.4005%1,360
Retained earnings to average equity (ytd only)12.0146%240
Net charge-offs to loans0.2861%735
Credit loss provision to net charge-offs104.7463%2,366
Earnings coverage of net charge-offs (x)6.7298%2,941
Efficiency ratio52.8422%4,539
Assets per employee ($millions)18.7381%70
Cash dividends to net income (ytd only)*3.1121%3,874
Condition Ratios (%)
Loss allowance to loans0.7167%4,542
Loan loss allowance to noncurrent loans77.6538%3,632
Noncurrent assets plus other real estate owned to assets0.7722%1,674
Noncurrent loans to loans0.9230%1,663
Net loans and leases to total assets83.0570%421
Net loans and leases to deposits101.7617%487
Net loans and leases to core deposits121.0569%449
Total domestic deposits to total assets81.6191%3,612
Equity capital to assets8.8068%4,782
Core capital (leverage) ratio8.1986%4,975
Tier 1 risk-based capital ratio9.4914%5,157
Total risk-based capital ratio10.9213%5,129
Memoranda:
Average total assets$30,518,753,80064
Average earning assets$29,522,981,60059
Average equity$2,694,921,20079
Average total loans$25,957,369,60049
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7411%2,296
Cost of funding earning assets1.3290%721
Net interest margin3.4121%3,836
Noninterest income to average assets0.2304%4,354
Noninterest expense to average assets1.8067%4,808
Loan and lease loss provision to assets0.2669%583
Net operating income to assets1.1465%2,383
Return on assets (ROA)1.1428%2,486
Pretax return on assets1.4537%2,102
Return on Equity (ROE)12.9321%1,304
Retained earnings to average equity (ytd only)12.5400%323
Net charge-offs to loans0.3196%539
Credit loss provision to net charge-offs97.7484%2,309
Earnings coverage of net charge-offs (x)6.3101%2,847
Efficiency ratio51.1434%4,662
Assets per employee ($millions)19.7446%59
Cash dividends to net income (ytd only)*3.0318%3,516
Condition Ratios (%)
Loss allowance to loans0.6940%4,674
Loan loss allowance to noncurrent loans119.1931%3,021
Noncurrent assets plus other real estate owned to assets0.4761%2,623
Noncurrent loans to loans0.5822%2,540
Net loans and leases to total assets81.2031%682
Net loans and leases to deposits98.9438%724
Net loans and leases to core deposits120.3601%526
Total domestic deposits to total assets82.0699%3,460
Equity capital to assets8.3187%5,058
Core capital (leverage) ratio8.3933%4,986
Tier 1 risk-based capital ratio9.1845%5,239
Total risk-based capital ratio10.5931%5,235
Memoranda:
Average total assets$30,016,123,75065
Average earning assets$29,023,355,25061
Average equity$2,652,458,50081
Average total loans$25,643,487,75050
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8416%1,928
Cost of funding earning assets1.3529%636
Net interest margin3.4887%3,632
Noninterest income to average assets0.2786%4,070
Noninterest expense to average assets1.8518%4,811
Loan and lease loss provision to assets0.3303%398
Net operating income to assets1.1562%2,305
Return on assets (ROA)1.1540%2,385
Pretax return on assets1.4682%1,962
Return on Equity (ROE)12.7694%1,311
Retained earnings to average equity (ytd only)12.3706%364
Net charge-offs to loans0.1963%841
Credit loss provision to net charge-offs193.7220%1,249
Earnings coverage of net charge-offs (x)10.5492%2,260
Efficiency ratio50.6859%4,743
Assets per employee ($millions)17.8322%69
Cash dividends to net income (ytd only)*3.1235%3,391
Condition Ratios (%)
Loss allowance to loans0.8451%4,285
Loan loss allowance to noncurrent loans152.2208%2,612
Noncurrent assets plus other real estate owned to assets0.4708%2,651
Noncurrent loans to loans0.5552%2,606
Net loans and leases to total assets84.0856%353
Net loans and leases to deposits109.0773%239
Net loans and leases to core deposits136.3540%232
Total domestic deposits to total assets77.0881%4,549
Equity capital to assets9.0026%4,794
Core capital (leverage) ratio8.9548%4,665
Tier 1 risk-based capital ratio9.2853%5,283
Total risk-based capital ratio10.8484%5,249
Memoranda:
Average total assets$28,852,647,00065
Average earning assets$27,884,623,00062
Average equity$2,607,508,00081
Average total loans$25,058,489,67050
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7741%1,974
Cost of funding earning assets1.2798%706
Net interest margin3.4942%3,607
Noninterest income to average assets0.3230%3,701
Noninterest expense to average assets1.8588%4,854
Loan and lease loss provision to assets0.3058%416
Net operating income to assets1.2128%2,007
Return on assets (ROA)1.2120%2,061
Pretax return on assets1.5398%1,643
Return on Equity (ROE)13.3837%1,116
Retained earnings to average equity (ytd only)12.9780%468
Net charge-offs to loans0.0737%1,324
Credit loss provision to net charge-offs471.6434%632
Earnings coverage of net charge-offs (x)28.4385%1,360
Efficiency ratio50.1599%4,814
Assets per employee ($millions)17.2261%71
Cash dividends to net income (ytd only)*3.0312%2,736
Condition Ratios (%)
Loss allowance to loans0.8259%4,438
Loan loss allowance to noncurrent loans130.6627%2,916
Noncurrent assets plus other real estate owned to assets0.5626%2,389
Noncurrent loans to loans0.6321%2,436
Net loans and leases to total assets88.2822%89
Net loans and leases to deposits120.7953%76
Net loans and leases to core deposits148.5730%132
Total domestic deposits to total assets73.0841%4,992
Equity capital to assets9.1865%4,549
Core capital (leverage) ratio9.7036%3,914
Tier 1 risk-based capital ratio9.2570%5,338
Total risk-based capital ratio10.8393%5,307
Memoranda:
Average total assets$28,308,861,00068
Average earning assets$27,378,352,00063
Average equity$2,563,560,50084
Average total loans$24,892,742,50052
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5534%2,280
Cost of funding earning assets0.9374%973
Net interest margin3.6161%3,323
Noninterest income to average assets0.2479%4,436
Noninterest expense to average assets1.9326%4,845
Loan and lease loss provision to assets0.3192%503
Net operating income to assets1.1827%2,253
Return on assets (ROA)1.1734%2,286
Pretax return on assets1.4854%1,829
Return on Equity (ROE)13.2529%1,249
Retained earnings to average equity (ytd only)12.8100%250
Net charge-offs to loans0.3377%570
Credit loss provision to net charge-offs108.8299%2,357
Earnings coverage of net charge-offs (x)6.1875%3,114
Efficiency ratio51.5137%4,837
Assets per employee ($millions)16.9954%78
Cash dividends to net income (ytd only)*3.3424%3,970
Condition Ratios (%)
Loss allowance to loans0.7808%4,602
Loan loss allowance to noncurrent loans179.7367%2,405
Noncurrent assets plus other real estate owned to assets0.3775%3,045
Noncurrent loans to loans0.4344%2,982
Net loans and leases to total assets86.1652%226
Net loans and leases to deposits117.5988%125
Net loans and leases to core deposits143.7143%170
Total domestic deposits to total assets73.2704%4,991
Equity capital to assets8.9243%4,636
Core capital (leverage) ratio9.5293%4,087
Tier 1 risk-based capital ratio9.2012%5,378
Total risk-based capital ratio10.7697%5,347
Memoranda:
Average total assets$26,518,116,00069
Average earning assets$25,661,928,40065
Average equity$2,347,841,20088
Average total loans$23,028,308,20052
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4641%2,417
Cost of funding earning assets0.8544%1,100
Net interest margin3.6097%3,334
Noninterest income to average assets0.2670%4,364
Noninterest expense to average assets1.9653%4,802
Loan and lease loss provision to assets0.2596%595
Net operating income to assets1.2147%2,178
Return on assets (ROA)1.2091%2,209
Pretax return on assets1.5301%1,805
Return on Equity (ROE)13.6859%1,208
Retained earnings to average equity (ytd only)13.2346%333
Net charge-offs to loans0.2657%629
Credit loss provision to net charge-offs112.5197%2,077
Earnings coverage of net charge-offs (x)7.7814%2,775
Efficiency ratio52.2044%4,789
Assets per employee ($millions)16.5261%78
Cash dividends to net income (ytd only)*3.2973%3,552
Condition Ratios (%)
Loss allowance to loans0.8033%4,609
Loan loss allowance to noncurrent loans132.0973%2,982
Noncurrent assets plus other real estate owned to assets0.5318%2,615
Noncurrent loans to loans0.6081%2,561
Net loans and leases to total assets86.7121%209
Net loans and leases to deposits114.7591%170
Net loans and leases to core deposits138.8362%218
Total domestic deposits to total assets75.5601%4,830
Equity capital to assets9.0186%4,531
Core capital (leverage) ratio9.3458%4,343
Tier 1 risk-based capital ratio9.2788%5,448
Total risk-based capital ratio10.9001%5,400
Memoranda:
Average total assets$26,086,053,25070
Average earning assets$25,246,176,50065
Average equity$2,304,605,75087
Average total loans$22,652,873,25053
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3534%2,575
Cost of funding earning assets0.7582%1,332
Net interest margin3.5952%3,328
Noninterest income to average assets0.2250%4,678
Noninterest expense to average assets1.9477%4,888
Loan and lease loss provision to assets0.2922%474
Net operating income to assets1.1602%2,349
Return on assets (ROA)1.1537%2,381
Pretax return on assets1.4577%1,963
Return on Equity (ROE)13.1545%1,319
Retained earnings to average equity (ytd only)12.6939%426
Net charge-offs to loans0.3871%409
Credit loss provision to net charge-offs87.1236%2,192
Earnings coverage of net charge-offs (x)5.2379%2,725
Efficiency ratio52.5272%4,832
Assets per employee ($millions)17.1080%67
Cash dividends to net income (ytd only)*3.5013%3,421
Condition Ratios (%)
Loss allowance to loans0.7548%4,818
Loan loss allowance to noncurrent loans151.1218%2,760
Noncurrent assets plus other real estate owned to assets0.4614%2,891
Noncurrent loans to loans0.4994%2,922
Net loans and leases to total assets84.8673%370
Net loans and leases to deposits115.2593%171
Net loans and leases to core deposits135.8517%242
Total domestic deposits to total assets73.6317%5,080
Equity capital to assets8.4987%4,939
Core capital (leverage) ratio9.5075%4,109
Tier 1 risk-based capital ratio8.9570%5,514
Total risk-based capital ratio10.5387%5,494
Memoranda:
Average total assets$25,747,118,00070
Average earning assets$24,916,766,00066
Average equity$2,258,041,00089
Average total loans$22,306,579,33052
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2512%2,704
Cost of funding earning assets0.6937%1,475
Net interest margin3.5575%3,321
Noninterest income to average assets0.2502%4,505
Noninterest expense to average assets1.9725%4,903
Loan and lease loss provision to assets0.1850%920
Net operating income to assets1.2108%1,959
Return on assets (ROA)1.2027%2,004
Pretax return on assets1.5260%1,611
Return on Equity (ROE)13.4796%1,142
Retained earnings to average equity (ytd only)13.0086%522
Net charge-offs to loans0.0964%1,212
Credit loss provision to net charge-offs219.9424%984
Earnings coverage of net charge-offs (x)20.4428%1,470
Efficiency ratio53.3677%4,855
Assets per employee ($millions)15.3985%86
Cash dividends to net income (ytd only)*3.4944%2,710
Condition Ratios (%)
Loss allowance to loans0.8874%4,497
Loan loss allowance to noncurrent loans110.7740%3,265
Noncurrent assets plus other real estate owned to assets0.7443%2,090
Noncurrent loans to loans0.8011%2,210
Net loans and leases to total assets87.2507%180
Net loans and leases to deposits112.7790%195
Net loans and leases to core deposits126.6464%406
Total domestic deposits to total assets77.3644%4,822
Equity capital to assets9.1857%4,378
Core capital (leverage) ratio9.3061%4,318
Tier 1 risk-based capital ratio9.3009%5,570
Total risk-based capital ratio11.0732%5,486
Memoranda:
Average total assets$24,746,105,50072
Average earning assets$23,943,916,00069
Average equity$2,207,900,50089
Average total loans$21,595,345,50053
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9501%3,571
Cost of funding earning assets0.4945%2,381
Net interest margin3.4557%3,668
Noninterest income to average assets0.2376%4,714
Noninterest expense to average assets1.9150%5,095
Loan and lease loss provision to assets0.2013%1,024
Net operating income to assets0.8938%2,751
Return on assets (ROA)0.8883%2,797
Pretax return on assets1.4646%1,762
Return on Equity (ROE)10.0636%1,856
Retained earnings to average equity (ytd only)9.5519%413
Net charge-offs to loans0.1500%1,597
Credit loss provision to net charge-offs155.4255%1,724
Earnings coverage of net charge-offs (x)12.9023%2,439
Efficiency ratio53.3404%5,004
Assets per employee ($millions)16.0504%77
Cash dividends to net income (ytd only)*5.0851%4,040
Condition Ratios (%)
Loss allowance to loans0.8518%4,660
Loan loss allowance to noncurrent loans142.4697%2,903
Noncurrent assets plus other real estate owned to assets0.5642%2,666
Noncurrent loans to loans0.5979%2,734
Net loans and leases to total assets85.7852%273
Net loans and leases to deposits111.5496%231
Net loans and leases to core deposits125.1136%456
Total domestic deposits to total assets76.9032%4,863
Equity capital to assets8.6652%4,981
Core capital (leverage) ratio8.5869%5,057
Tier 1 risk-based capital ratio8.9412%5,637
Total risk-based capital ratio10.6728%5,592
Memoranda:
Average total assets$23,022,329,60074
Average earning assets$22,309,450,00067
Average equity$2,032,248,00087
Average total loans$19,887,400,20056
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8545%3,816
Cost of funding earning assets0.4485%2,731
Net interest margin3.4061%3,831
Noninterest income to average assets0.2840%4,494
Noninterest expense to average assets1.9043%5,127
Loan and lease loss provision to assets0.2586%656
Net operating income to assets0.9404%2,825
Return on assets (ROA)0.9350%2,913
Pretax return on assets1.4176%2,071
Return on Equity (ROE)10.5385%1,887
Retained earnings to average equity (ytd only)10.0178%581
Net charge-offs to loans0.1979%1,074
Credit loss provision to net charge-offs151.2960%1,681
Earnings coverage of net charge-offs (x)9.8400%2,656
Efficiency ratio53.0461%5,008
Assets per employee ($millions)16.0086%75
Cash dividends to net income (ytd only)*4.9402%3,602
Condition Ratios (%)
Loss allowance to loans0.8537%4,743
Loan loss allowance to noncurrent loans143.9275%2,874
Noncurrent assets plus other real estate owned to assets0.5953%2,730
Noncurrent loans to loans0.5932%2,928
Net loans and leases to total assets87.0751%199
Net loans and leases to deposits110.3444%266
Net loans and leases to core deposits122.1028%513
Total domestic deposits to total assets78.9121%4,544
Equity capital to assets8.6472%5,191
Core capital (leverage) ratio8.9005%4,864
Tier 1 risk-based capital ratio8.7727%5,706
Total risk-based capital ratio10.5171%5,679
Memoranda:
Average total assets$22,514,227,25074
Average earning assets$21,825,724,25070
Average equity$1,997,549,25086
Average total loans$19,439,771,25058
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7046%4,220
Cost of funding earning assets0.3965%3,114
Net interest margin3.3082%4,078
Noninterest income to average assets0.2917%4,468
Noninterest expense to average assets1.9208%5,155
Loan and lease loss provision to assets0.2213%795
Net operating income to assets0.8950%2,936
Return on assets (ROA)0.8898%3,021
Pretax return on assets1.3527%2,199
Return on Equity (ROE)9.9348%2,064
Retained earnings to average equity (ytd only)9.4042%728
Net charge-offs to loans0.1930%1,043
Credit loss provision to net charge-offs133.6627%1,648
Earnings coverage of net charge-offs (x)9.5386%2,424
Efficiency ratio54.8182%4,942
Assets per employee ($millions)15.3961%80
Cash dividends to net income (ytd only)*5.3405%3,464
Condition Ratios (%)
Loss allowance to loans0.8578%4,795
Loan loss allowance to noncurrent loans129.2413%3,077
Noncurrent assets plus other real estate owned to assets0.6642%2,548
Noncurrent loans to loans0.6637%2,761
Net loans and leases to total assets87.1319%192
Net loans and leases to deposits115.0203%184
Net loans and leases to core deposits126.8487%370
Total domestic deposits to total assets75.7535%5,123
Equity capital to assets8.6953%5,145
Core capital (leverage) ratio9.3389%4,312
Tier 1 risk-based capital ratio8.8653%5,748
Total risk-based capital ratio10.6758%5,705
Memoranda:
Average total assets$21,886,626,00075
Average earning assets$21,225,797,00071
Average equity$1,960,181,33088
Average total loans$18,777,470,33058
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5747%4,485
Cost of funding earning assets0.3632%3,380
Net interest margin3.2115%4,303
Noninterest income to average assets0.2909%4,474
Noninterest expense to average assets1.9387%5,169
Loan and lease loss provision to assets0.1800%966
Net operating income to assets0.8392%3,045
Return on assets (ROA)0.8340%3,120
Pretax return on assets1.2826%2,292
Return on Equity (ROE)9.1676%2,333
Retained earnings to average equity (ytd only)8.6303%1,222
Net charge-offs to loans0.1263%1,163
Credit loss provision to net charge-offs168.3368%1,131
Earnings coverage of net charge-offs (x)13.7250%1,766
Efficiency ratio56.8472%4,852
Assets per employee ($millions)14.2393%104
Cash dividends to net income (ytd only)*5.8610%2,758
Condition Ratios (%)
Loss allowance to loans0.9798%4,395
Loan loss allowance to noncurrent loans110.7268%3,444
Noncurrent assets plus other real estate owned to assets0.8350%2,211
Noncurrent loans to loans0.8849%2,261
Net loans and leases to total assets83.3301%432
Net loans and leases to deposits103.3341%433
Net loans and leases to core deposits113.4912%703
Total domestic deposits to total assets80.6415%4,493
Equity capital to assets9.3826%4,409
Core capital (leverage) ratio9.2926%4,355
Tier 1 risk-based capital ratio9.8934%5,721
Total risk-based capital ratio11.9655%5,370
Memoranda:
Average total assets$21,275,192,50077
Average earning assets$20,639,972,50072
Average equity$1,935,549,50087
Average total loans$18,011,220,50060
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4872%4,815
Cost of funding earning assets0.2785%4,268
Net interest margin3.2087%4,426
Noninterest income to average assets0.2738%4,780
Noninterest expense to average assets1.8190%5,458
Loan and lease loss provision to assets0.3584%469
Net operating income to assets0.7827%3,388
Return on assets (ROA)0.7776%3,519
Pretax return on assets1.2093%2,625
Return on Equity (ROE)9.0665%2,385
Retained earnings to average equity (ytd only)8.4839%707
Net charge-offs to loans0.2683%1,032
Credit loss provision to net charge-offs156.7852%1,758
Earnings coverage of net charge-offs (x)6.8803%3,104
Efficiency ratio53.5684%5,275
Assets per employee ($millions)15.0938%84
Cash dividends to net income (ytd only)*6.4259%4,101
Condition Ratios (%)
Loss allowance to loans0.9104%4,747
Loan loss allowance to noncurrent loans94.1777%3,751
Noncurrent assets plus other real estate owned to assets0.9105%2,085
Noncurrent loans to loans0.9667%2,154
Net loans and leases to total assets84.3675%355
Net loans and leases to deposits106.1600%339
Net loans and leases to core deposits117.7840%556
Total domestic deposits to total assets79.4720%4,683
Equity capital to assets8.8237%4,991
Core capital (leverage) ratio8.4231%5,344
Tier 1 risk-based capital ratio9.2336%5,838
Total risk-based capital ratio11.1929%5,716
Memoranda:
Average total assets$20,813,196,20074
Average earning assets$20,224,287,60069
Average equity$1,785,090,00090
Average total loans$17,731,456,40060
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4368%4,943
Cost of funding earning assets0.2718%4,366
Net interest margin3.1649%4,589
Noninterest income to average assets0.2536%4,946
Noninterest expense to average assets1.7659%5,557
Loan and lease loss provision to assets0.4282%323
Net operating income to assets0.7294%3,697
Return on assets (ROA)0.7243%3,855
Pretax return on assets1.1309%3,111
Return on Equity (ROE)8.5093%2,756
Retained earnings to average equity (ytd only)7.9160%1,208
Net charge-offs to loans0.2037%1,147
Credit loss provision to net charge-offs246.6585%1,210
Earnings coverage of net charge-offs (x)9.0101%2,718
Efficiency ratio52.9645%5,315
Assets per employee ($millions)15.6465%71
Cash dividends to net income (ytd only)*6.9722%3,632
Condition Ratios (%)
Loss allowance to loans0.9875%4,482
Loan loss allowance to noncurrent loans100.9048%3,603
Noncurrent assets plus other real estate owned to assets0.8910%2,329
Noncurrent loans to loans0.9786%2,282
Net loans and leases to total assets81.4861%687
Net loans and leases to deposits99.4190%742
Net loans and leases to core deposits109.2997%965
Total domestic deposits to total assets81.9623%3,945
Equity capital to assets8.1976%5,672
Core capital (leverage) ratio8.3133%5,492
Tier 1 risk-based capital ratio8.7327%5,930
Total risk-based capital ratio10.7393%5,868
Memoranda:
Average total assets$20,594,044,25075
Average earning assets$20,017,941,75070
Average equity$1,752,904,00091
Average total loans$17,547,501,00061
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4175%5,040
Cost of funding earning assets0.2758%4,387
Net interest margin3.1417%4,710
Noninterest income to average assets0.2357%5,073
Noninterest expense to average assets1.7779%5,621
Loan and lease loss provision to assets0.4552%311
Net operating income to assets0.6776%3,912
Return on assets (ROA)0.6725%4,083
Pretax return on assets1.0509%3,392
Return on Equity (ROE)7.7951%3,090
Retained earnings to average equity (ytd only)7.1941%1,509
Net charge-offs to loans0.2239%1,040
Credit loss provision to net charge-offs235.7047%1,158
Earnings coverage of net charge-offs (x)7.8246%2,592
Efficiency ratio53.9888%5,313
Assets per employee ($millions)15.2556%77
Cash dividends to net income (ytd only)*7.7096%3,508
Condition Ratios (%)
Loss allowance to loans0.9308%4,842
Loan loss allowance to noncurrent loans96.6652%3,771
Noncurrent assets plus other real estate owned to assets0.9109%2,337
Noncurrent loans to loans0.9629%2,352
Net loans and leases to total assets84.5665%379
Net loans and leases to deposits106.3190%355
Net loans and leases to core deposits118.6998%549
Total domestic deposits to total assets79.5403%4,662
Equity capital to assets8.3779%5,661
Core capital (leverage) ratio8.5517%5,319
Tier 1 risk-based capital ratio8.5110%6,009
Total risk-based capital ratio10.4575%5,975
Memoranda:
Average total assets$20,057,954,00076
Average earning assets$19,494,178,67072
Average equity$1,730,518,33093
Average total loans$17,305,922,33062
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3778%5,171
Cost of funding earning assets0.2796%4,396
Net interest margin3.0982%4,865
Noninterest income to average assets0.2154%5,198
Noninterest expense to average assets1.7763%5,676
Loan and lease loss provision to assets0.5891%188
Net operating income to assets0.5534%4,401
Return on assets (ROA)0.5481%4,536
Pretax return on assets0.8565%4,018
Return on Equity (ROE)6.2557%3,857
Retained earnings to average equity (ytd only)5.6487%2,559
Net charge-offs to loans0.1744%1,099
Credit loss provision to net charge-offs389.3321%722
Earnings coverage of net charge-offs (x)9.5890%1,979
Efficiency ratio54.9864%5,288
Assets per employee ($millions)14.9446%88
Cash dividends to net income (ytd only)*9.7037%2,712
Condition Ratios (%)
Loss allowance to loans0.9484%4,860
Loan loss allowance to noncurrent loans88.6792%3,891
Noncurrent assets plus other real estate owned to assets0.9940%2,223
Noncurrent loans to loans1.0694%2,252
Net loans and leases to total assets84.0052%373
Net loans and leases to deposits103.7931%421
Net loans and leases to core deposits114.0184%669
Total domestic deposits to total assets80.9353%4,511
Equity capital to assets8.5419%5,537
Core capital (leverage) ratio8.9343%4,933
Tier 1 risk-based capital ratio8.6190%6,065
Total risk-based capital ratio10.6152%6,016
Memoranda:
Average total assets$19,552,917,50079
Average earning assets$19,007,252,00075
Average equity$1,713,251,00094
Average total loans$16,966,940,00062
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5159%4,879
Cost of funding earning assets0.2314%4,999
Net interest margin3.2846%4,354
Noninterest income to average assets0.2572%5,055
Noninterest expense to average assets1.8273%5,704
Loan and lease loss provision to assets0.2896%604
Net operating income to assets0.8604%3,066
Return on assets (ROA)0.8549%3,157
Pretax return on assets1.3255%2,178
Return on Equity (ROE)9.4282%2,256
Retained earnings to average equity (ytd only)8.7808%710
Net charge-offs to loans0.0704%2,837
Credit loss provision to net charge-offs460.4111%670
Earnings coverage of net charge-offs (x)25.7654%1,618
Efficiency ratio52.8959%5,587
Assets per employee ($millions)14.2755%91
Cash dividends to net income (ytd only)*6.8674%4,141
Condition Ratios (%)
Loss allowance to loans0.8400%5,299
Loan loss allowance to noncurrent loans75.5404%4,237
Noncurrent assets plus other real estate owned to assets0.9898%2,221
Noncurrent loans to loans1.1120%2,114
Net loans and leases to total assets88.1285%117
Net loans and leases to deposits110.0359%241
Net loans and leases to core deposits121.8471%430
Total domestic deposits to total assets80.0906%4,720
Equity capital to assets8.9975%5,126
Core capital (leverage) ratio8.7498%5,165
Tier 1 risk-based capital ratio8.6435%6,122
Total risk-based capital ratio10.5697%6,063
Memoranda:
Average total assets$17,714,773,80080
Average earning assets$17,208,262,80075
Average equity$1,606,251,40093
Average total loans$15,826,237,00061
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5437%4,881
Cost of funding earning assets0.2274%5,115
Net interest margin3.3163%4,275
Noninterest income to average assets0.2666%5,029
Noninterest expense to average assets1.8090%5,762
Loan and lease loss provision to assets0.2964%501
Net operating income to assets0.8867%3,012
Return on assets (ROA)0.8810%3,119
Pretax return on assets1.3766%2,115
Return on Equity (ROE)9.6962%2,224
Retained earnings to average equity (ytd only)9.0390%886
Net charge-offs to loans0.0782%2,433
Credit loss provision to net charge-offs423.6272%728
Earnings coverage of net charge-offs (x)23.9894%1,709
Efficiency ratio51.7591%5,669
Assets per employee ($millions)14.5613%90
Cash dividends to net income (ytd only)*6.7770%3,659
Condition Ratios (%)
Loss allowance to loans0.8222%5,458
Loan loss allowance to noncurrent loans111.3518%3,459
Noncurrent assets plus other real estate owned to assets0.6295%3,378
Noncurrent loans to loans0.7384%3,116
Net loans and leases to total assets84.4158%355
Net loans and leases to deposits103.4382%477
Net loans and leases to core deposits115.2652%625
Total domestic deposits to total assets81.6099%4,287
Equity capital to assets8.9302%5,370
Core capital (leverage) ratio8.8970%5,122
Tier 1 risk-based capital ratio8.9170%6,194
Total risk-based capital ratio10.8818%6,095
Memoranda:
Average total assets$17,418,287,25081
Average earning assets$16,918,258,50076
Average equity$1,582,664,25096
Average total loans$15,583,290,00061
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5755%4,788
Cost of funding earning assets0.2265%5,176
Net interest margin3.3490%4,111
Noninterest income to average assets0.2822%4,935
Noninterest expense to average assets1.8325%5,810
Loan and lease loss provision to assets0.2896%550
Net operating income to assets0.9061%2,843
Return on assets (ROA)0.9005%2,994
Pretax return on assets1.4070%1,955
Return on Equity (ROE)9.8484%2,138
Retained earnings to average equity (ytd only)9.1796%869
Net charge-offs to loans0.0880%2,155
Credit loss provision to net charge-offs361.6153%808
Earnings coverage of net charge-offs (x)21.2551%1,680
Efficiency ratio51.7259%5,739
Assets per employee ($millions)14.5504%85
Cash dividends to net income (ytd only)*6.7912%3,524
Condition Ratios (%)
Loss allowance to loans0.7409%5,729
Loan loss allowance to noncurrent loans92.4993%3,893
Noncurrent assets plus other real estate owned to assets0.7244%3,211
Noncurrent loans to loans0.8010%3,114
Net loans and leases to total assets89.3389%91
Net loans and leases to deposits111.6677%228
Net loans and leases to core deposits127.3881%320
Total domestic deposits to total assets78.8460%5,127
Equity capital to assets9.1453%5,087
Core capital (leverage) ratio8.8358%5,179
Tier 1 risk-based capital ratio8.6306%6,275
Total risk-based capital ratio10.5153%6,212
Memoranda:
Average total assets$17,006,689,33084
Average earning assets$16,516,568,67078
Average equity$1,554,966,000101
Average total loans$15,485,493,33062
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5055%4,946
Cost of funding earning assets0.2297%5,219
Net interest margin3.2758%4,320
Noninterest income to average assets0.2834%4,908
Noninterest expense to average assets1.8309%5,852
Loan and lease loss provision to assets0.2468%675
Net operating income to assets0.8906%2,785
Return on assets (ROA)0.8850%2,946
Pretax return on assets1.3828%1,949
Return on Equity (ROE)9.6809%2,141
Retained earnings to average equity (ytd only)8.9959%1,195
Net charge-offs to loans0.0821%1,887
Credit loss provision to net charge-offs328.2602%765
Earnings coverage of net charge-offs (x)21.7501%1,371
Efficiency ratio52.7014%5,769
Assets per employee ($millions)14.9163%78
Cash dividends to net income (ytd only)*7.0766%2,762
Condition Ratios (%)
Loss allowance to loans0.6684%5,958
Loan loss allowance to noncurrent loans151.6288%2,776
Noncurrent assets plus other real estate owned to assets0.4151%4,369
Noncurrent loans to loans0.4408%4,273
Net loans and leases to total assets92.7465%17
Net loans and leases to deposits113.2264%167
Net loans and leases to core deposits132.3674%224
Total domestic deposits to total assets80.4390%4,947
Equity capital to assets9.1849%5,108
Core capital (leverage) ratio9.3145%4,546
Tier 1 risk-based capital ratio8.3665%6,343
Total risk-based capital ratio10.1847%6,316
Memoranda:
Average total assets$16,605,192,00085
Average earning assets$16,133,005,50079
Average equity$1,518,075,000101
Average total loans$15,213,370,00063
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9482%3,932
Cost of funding earning assets0.2938%4,853
Net interest margin3.6545%3,201
Noninterest income to average assets0.3030%4,946
Noninterest expense to average assets2.0946%5,585
Loan and lease loss provision to assets0.1454%1,818
Net operating income to assets1.0296%2,267
Return on assets (ROA)1.0232%2,358
Pretax return on assets1.5939%1,255
Return on Equity (ROE)11.5149%1,547
Retained earnings to average equity (ytd only)11.0815%369
Net charge-offs to loans0.0495%3,834
Credit loss provision to net charge-offs312.5796%834
Earnings coverage of net charge-offs (x)37.5355%1,143
Efficiency ratio54.4103%5,806
Assets per employee ($millions)13.9654%92
Cash dividends to net income (ytd only)*3.7632%4,268
Condition Ratios (%)
Loss allowance to loans0.7081%5,975
Loan loss allowance to noncurrent loans207.8098%2,175
Noncurrent assets plus other real estate owned to assets0.3093%4,804
Noncurrent loans to loans0.3407%4,633
Net loans and leases to total assets89.0733%85
Net loans and leases to deposits110.1672%230
Net loans and leases to core deposits130.7538%233
Total domestic deposits to total assets78.8852%5,268
Equity capital to assets9.0956%5,186
Core capital (leverage) ratio9.7459%3,908
Tier 1 risk-based capital ratio8.5657%6,427
Total risk-based capital ratio10.5684%6,356
Memoranda:
Average total assets$13,504,177,60096
Average earning assets$13,070,553,20090
Average equity$1,200,014,800113
Average total loans$12,691,679,40070
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0369%3,605
Cost of funding earning assets0.3187%4,685
Net interest margin3.7182%2,947
Noninterest income to average assets0.3106%4,957
Noninterest expense to average assets2.1610%5,429
Loan and lease loss provision to assets0.1433%1,753
Net operating income to assets1.0257%2,340
Return on assets (ROA)1.0192%2,425
Pretax return on assets1.5950%1,338
Return on Equity (ROE)11.5530%1,606
Retained earnings to average equity (ytd only)11.2485%478
Net charge-offs to loans0.0558%3,419
Credit loss provision to net charge-offs269.2158%991
Earnings coverage of net charge-offs (x)32.7848%1,295
Efficiency ratio55.1894%5,726
Assets per employee ($millions)12.8693%119
Cash dividends to net income (ytd only)*2.6353%3,762
Condition Ratios (%)
Loss allowance to loans0.7156%6,070
Loan loss allowance to noncurrent loans219.7377%2,007
Noncurrent assets plus other real estate owned to assets0.3117%5,025
Noncurrent loans to loans0.3256%4,931
Net loans and leases to total assets93.7257%10
Net loans and leases to deposits112.8224%168
Net loans and leases to core deposits137.1207%170
Total domestic deposits to total assets80.2234%5,042
Equity capital to assets9.1708%5,182
Core capital (leverage) ratio9.4397%4,452
Tier 1 risk-based capital ratio8.1977%6,506
Total risk-based capital ratio10.2863%6,467
Memoranda:
Average total assets$12,907,073,00098
Average earning assets$12,480,249,75095
Average equity$1,138,635,000115
Average total loans$12,300,346,25073
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0267%3,631
Cost of funding earning assets0.3508%4,429
Net interest margin3.6759%3,044
Noninterest income to average assets0.3227%4,836
Noninterest expense to average assets2.2106%5,389
Loan and lease loss provision to assets0.1295%1,903
Net operating income to assets0.9814%2,400
Return on assets (ROA)0.9750%2,516
Pretax return on assets1.5258%1,460
Return on Equity (ROE)11.2216%1,656
Retained earnings to average equity (ytd only)11.2216%508
Net charge-offs to loans0.0765%2,929
Credit loss provision to net charge-offs177.0244%1,292
Earnings coverage of net charge-offs (x)22.7114%1,500
Efficiency ratio56.9424%5,662
Assets per employee ($millions)12.5003%120
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.7089%6,159
Loan loss allowance to noncurrent loans196.5485%2,169
Noncurrent assets plus other real estate owned to assets0.3478%4,988
Noncurrent loans to loans0.3607%4,915
Net loans and leases to total assets94.3572%6
Net loans and leases to deposits117.1826%111
Net loans and leases to core deposits148.2362%106
Total domestic deposits to total assets77.9916%5,633
Equity capital to assets9.0307%5,263
Core capital (leverage) ratio9.7153%4,014
Tier 1 risk-based capital ratio8.0754%6,567
Total risk-based capital ratio10.5787%6,499
Memoranda:
Average total assets$12,456,353,670100
Average earning assets$12,028,431,67096
Average equity$1,082,285,000124
Average total loans$11,913,498,67074
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0619%3,431
Cost of funding earning assets0.3471%4,567
Net interest margin3.7148%2,809
Noninterest income to average assets0.3356%4,692
Noninterest expense to average assets2.2997%5,192
Loan and lease loss provision to assets0.1580%1,540
Net operating income to assets0.9367%2,472
Return on assets (ROA)0.9304%2,577
Pretax return on assets1.4600%1,549
Return on Equity (ROE)10.9524%1,699
Retained earnings to average equity (ytd only)10.9524%752
Net charge-offs to loans0.0727%2,422
Credit loss provision to net charge-offs226.4423%956
Earnings coverage of net charge-offs (x)23.2755%1,218
Efficiency ratio58.4596%5,604
Assets per employee ($millions)11.4711%159
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.7768%6,149
Loan loss allowance to noncurrent loans176.6419%2,323
Noncurrent assets plus other real estate owned to assets0.4408%4,813
Noncurrent loans to loans0.4398%4,826
Net loans and leases to total assets94.9718%2
Net loans and leases to deposits116.8831%91
Net loans and leases to core deposits144.2897%112
Total domestic deposits to total assets78.0280%5,834
Equity capital to assets8.4634%5,684
Core capital (leverage) ratio8.8242%5,240
Tier 1 risk-based capital ratio7.5111%6,639
Total risk-based capital ratio11.4759%6,380
Memoranda:
Average total assets$11,921,854,500100
Average earning assets$11,516,601,50098
Average equity$1,012,707,500130
Average total loans$11,443,618,50076
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2923%2,987
Cost of funding earning assets0.2466%5,985
Net interest margin4.0456%1,819
Noninterest income to average assets0.3848%4,554
Noninterest expense to average assets2.3333%5,277
Loan and lease loss provision to assets0.1682%2,177
Net operating income to assets1.1464%1,770
Return on assets (ROA)1.1400%1,858
Pretax return on assets1.7688%819
Return on Equity (ROE)13.3038%1,109
Retained earnings to average equity (ytd only)13.3038%230
Net charge-offs to loans0.0477%4,557
Credit loss provision to net charge-offs370.8452%620
Earnings coverage of net charge-offs (x)42.8599%890
Efficiency ratio54.4158%6,099
Assets per employee ($millions)11.4890%154
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.7773%6,218
Loan loss allowance to noncurrent loans210.0815%2,011
Noncurrent assets plus other real estate owned to assets0.3998%5,052
Noncurrent loans to loans0.3700%5,080
Net loans and leases to total assets95.5236%3
Net loans and leases to deposits120.1859%66
Net loans and leases to core deposits148.8979%102
Total domestic deposits to total assets76.6585%6,034
Equity capital to assets8.5268%5,553
Core capital (leverage) ratio8.9617%5,059
Tier 1 risk-based capital ratio7.5478%6,709
Total risk-based capital ratio10.2724%6,648
Memoranda:
Average total assets$10,802,071,200106
Average earning assets$10,391,786,600101
Average equity$925,630,800133
Average total loans$10,278,604,20076
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3001%2,995
Cost of funding earning assets0.2388%6,166
Net interest margin4.0613%1,752
Noninterest income to average assets0.3939%4,576
Noninterest expense to average assets2.3092%5,306
Loan and lease loss provision to assets0.1677%2,164
Net operating income to assets1.1772%1,710
Return on assets (ROA)1.1708%1,808
Pretax return on assets1.8133%874
Return on Equity (ROE)13.6450%1,086
Retained earnings to average equity (ytd only)13.6450%283
Net charge-offs to loans0.0483%4,214
Credit loss provision to net charge-offs366.3636%720
Earnings coverage of net charge-offs (x)43.4259%954
Efficiency ratio53.6038%6,135
Assets per employee ($millions)11.0088%176
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.8145%6,253
Loan loss allowance to noncurrent loans194.2538%2,035
Noncurrent assets plus other real estate owned to assets0.5195%4,881
Noncurrent loans to loans0.4193%5,147
Net loans and leases to total assets94.8195%4
Net loans and leases to deposits113.1239%121
Net loans and leases to core deposits142.3265%116
Total domestic deposits to total assets80.3815%5,394
Equity capital to assets8.9625%5,230
Core capital (leverage) ratio8.8809%5,279
Tier 1 risk-based capital ratio7.9141%6,769
Total risk-based capital ratio10.4169%6,707
Memoranda:
Average total assets$10,575,756,000107
Average earning assets$10,162,757,250103
Average equity$907,472,250135
Average total loans$10,030,538,25078
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2045%3,352
Cost of funding earning assets0.2143%6,409
Net interest margin3.9902%1,896
Noninterest income to average assets0.4037%4,497
Noninterest expense to average assets2.3225%5,294
Loan and lease loss provision to assets0.1651%2,262
Net operating income to assets1.1362%1,786
Return on assets (ROA)1.1303%1,929
Pretax return on assets1.7437%1,028
Return on Equity (ROE)13.3759%1,152
Retained earnings to average equity (ytd only)13.3759%343
Net charge-offs to loans0.0721%3,680
Credit loss provision to net charge-offs242.0201%1,040
Earnings coverage of net charge-offs (x)28.0605%1,199
Efficiency ratio54.6734%6,086
Assets per employee ($millions)11.7687%148
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.7675%6,409
Loan loss allowance to noncurrent loans172.3623%2,247
Noncurrent assets plus other real estate owned to assets0.5391%4,915
Noncurrent loans to loans0.4453%5,149
Net loans and leases to total assets93.6300%8
Net loans and leases to deposits127.2600%46
Net loans and leases to core deposits137.2301%146
Total domestic deposits to total assets70.3923%6,643
Equity capital to assets8.5036%5,760
Core capital (leverage) ratio9.0084%4,975
Tier 1 risk-based capital ratio7.7838%6,807
Total risk-based capital ratio10.2974%6,761
Memoranda:
Average total assets$10,504,805,330106
Average earning assets$10,092,240,330102
Average equity$887,653,000136
Average total loans$9,936,148,00078
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2454%3,132
Cost of funding earning assets0.1965%6,588
Net interest margin4.0489%1,620
Noninterest income to average assets0.4211%4,306
Noninterest expense to average assets2.1319%5,840
Loan and lease loss provision to assets0.0731%3,409
Net operating income to assets1.3496%1,156
Return on assets (ROA)1.3440%1,260
Pretax return on assets2.0934%502
Return on Equity (ROE)15.9598%612
Retained earnings to average equity (ytd only)15.9598%279
Net charge-offs to loans0.0500%3,328
Credit loss provision to net charge-offs154.4408%1,338
Earnings coverage of net charge-offs (x)45.8734%716
Efficiency ratio49.3997%6,536
Assets per employee ($millions)11.2011%165
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.7896%6,474
Loan loss allowance to noncurrent loans133.8378%2,630
Noncurrent assets plus other real estate owned to assets0.7037%4,618
Noncurrent loans to loans0.5900%4,960
Net loans and leases to total assets94.1013%6
Net loans and leases to deposits119.2340%70
Net loans and leases to core deposits129.3430%180
Total domestic deposits to total assets75.1436%6,442
Equity capital to assets9.0634%5,415
Core capital (leverage) ratio9.1158%4,700
Tier 1 risk-based capital ratio8.2061%6,855
Total risk-based capital ratio10.2826%6,809
Memoranda:
Average total assets$10,272,981,500108
Average earning assets$9,851,523,500106
Average equity$865,121,500141
Average total loans$9,729,625,50079
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5228%3,310
Cost of funding earning assets0.2053%6,826
Net interest margin4.3175%1,363
Noninterest income to average assets0.3739%4,804
Noninterest expense to average assets2.2758%5,751
Loan and lease loss provision to assets0.1093%4,260
Net operating income to assets1.3571%1,185
Return on assets (ROA)1.3513%1,320
Pretax return on assets2.1114%481
Return on Equity (ROE)16.5096%595
Retained earnings to average equity (ytd only)16.5096%107
Net charge-offs to loans0.0694%4,989
Credit loss provision to net charge-offs166.6612%1,603
Earnings coverage of net charge-offs (x)33.9451%918
Efficiency ratio50.4047%6,567
Assets per employee ($millions)11.9820%149
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.7463%6,573
Loan loss allowance to noncurrent loans124.9210%2,750
Noncurrent assets plus other real estate owned to assets0.7168%4,685
Noncurrent loans to loans0.5974%5,026
Net loans and leases to total assets93.8724%9
Net loans and leases to deposits130.3950%41
Net loans and leases to core deposits141.7362%124
Total domestic deposits to total assets68.8641%6,829
Equity capital to assets7.8108%6,494
Core capital (leverage) ratio8.1551%6,036
Tier 1 risk-based capital ratio7.1676%6,947
Total risk-based capital ratio8.4956%6,942
Memoranda:
Average total assets$9,246,632,200120
Average earning assets$8,841,801,000113
Average equity$756,833,600149
Average total loans$8,734,620,20084
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5602%3,384
Cost of funding earning assets0.2065%6,934
Net interest margin4.3536%1,338
Noninterest income to average assets0.3440%5,059
Noninterest expense to average assets2.2674%5,782
Loan and lease loss provision to assets0.0899%4,481
Net operating income to assets1.3805%1,266
Return on assets (ROA)1.3746%1,416
Pretax return on assets2.1426%532
Return on Equity (ROE)16.5711%658
Retained earnings to average equity (ytd only)16.5711%167
Net charge-offs to loans0.0410%5,075
Credit loss provision to net charge-offs232.1759%1,193
Earnings coverage of net charge-offs (x)57.8079%673
Efficiency ratio50.1739%6,577
Assets per employee ($millions)11.3207%168
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.7869%6,628
Loan loss allowance to noncurrent loans121.0585%2,759
Noncurrent assets plus other real estate owned to assets0.8102%4,679
Noncurrent loans to loans0.6501%5,146
Net loans and leases to total assets94.1517%12
Net loans and leases to deposits135.0605%35
Net loans and leases to core deposits153.2398%103
Total domestic deposits to total assets65.3356%6,990
Equity capital to assets7.9966%6,590
Core capital (leverage) ratio8.3006%6,007
Tier 1 risk-based capital ratio8.9308%6,946
Total risk-based capital ratio10.4147%6,930
Memoranda:
Average total assets$8,925,256,500121
Average earning assets$8,531,907,250115
Average equity$740,380,500152
Average total loans$8,427,998,00087
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6091%3,320
Cost of funding earning assets0.2090%7,014
Net interest margin4.4001%1,196
Noninterest income to average assets0.3004%5,405
Noninterest expense to average assets2.2960%5,752
Loan and lease loss provision to assets0.0806%4,590
Net operating income to assets1.3675%1,266
Return on assets (ROA)1.3618%1,438
Pretax return on assets2.1199%561
Return on Equity (ROE)16.1938%739
Retained earnings to average equity (ytd only)16.1938%213
Net charge-offs to loans0.0335%4,909
Credit loss provision to net charge-offs254.9596%1,125
Earnings coverage of net charge-offs (x)69.7818%568
Efficiency ratio50.8444%6,585
Assets per employee ($millions)10.8427%185
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.8377%6,592
Loan loss allowance to noncurrent loans118.9799%2,743
Noncurrent assets plus other real estate owned to assets0.9708%4,433
Noncurrent loans to loans0.7041%5,101
Net loans and leases to total assets93.7670%10
Net loans and leases to deposits128.4232%45
Net loans and leases to core deposits151.5380%102
Total domestic deposits to total assets68.5284%6,974
Equity capital to assets8.2617%6,407
Core capital (leverage) ratio8.6019%5,517
Tier 1 risk-based capital ratio9.0999%6,972
Total risk-based capital ratio10.3130%6,976
Memoranda:
Average total assets$8,609,804,330123
Average earning assets$8,221,692,000119
Average equity$724,043,670153
Average total loans$8,114,659,00090
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6911%3,086
Cost of funding earning assets0.2105%7,088
Net interest margin4.4807%1,049
Noninterest income to average assets0.2936%5,517
Noninterest expense to average assets2.3494%5,626
Loan and lease loss provision to assets0.1210%3,830
Net operating income to assets1.3516%1,317
Return on assets (ROA)1.3460%1,492
Pretax return on assets2.0945%645
Return on Equity (ROE)15.8529%825
Retained earnings to average equity (ytd only)15.8529%376
Net charge-offs to loans0.0422%4,105
Credit loss provision to net charge-offs304.9517%964
Earnings coverage of net charge-offs (x)55.9601%579
Efficiency ratio51.2475%6,598
Assets per employee ($millions)10.4852%205
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.8945%6,549
Loan loss allowance to noncurrent loans128.3257%2,483
Noncurrent assets plus other real estate owned to assets1.0367%4,421
Noncurrent loans to loans0.6971%5,271
Net loans and leases to total assets93.2222%11
Net loans and leases to deposits131.3501%43
Net loans and leases to core deposits164.5656%77
Total domestic deposits to total assets66.1804%7,106
Equity capital to assets8.4551%6,123
Core capital (leverage) ratio8.5320%5,541
Tier 1 risk-based capital ratio9.0237%7,024
Total risk-based capital ratio10.1472%7,045
Memoranda:
Average total assets$8,344,490,500125
Average earning assets$7,965,065,000120
Average equity$708,489,000152
Average total loans$7,850,432,50091
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8300%3,667
Cost of funding earning assets0.2410%7,187
Net interest margin4.5890%943
Noninterest income to average assets0.3489%5,018
Noninterest expense to average assets2.5526%5,278
Loan and lease loss provision to assets0.3987%2,603
Net operating income to assets1.1401%1,696
Return on assets (ROA)1.1347%1,829
Pretax return on assets1.7653%866
Return on Equity (ROE)13.0467%1,154
Retained earnings to average equity (ytd only)13.0467%221
Net charge-offs to loans0.4473%3,196
Credit loss provision to net charge-offs95.8352%3,766
Earnings coverage of net charge-offs (x)5.2146%2,866
Efficiency ratio53.9111%6,521
Assets per employee ($millions)10.3870%209
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.9185%6,492
Loan loss allowance to noncurrent loans117.0666%2,660
Noncurrent assets plus other real estate owned to assets1.1573%4,299
Noncurrent loans to loans0.7846%5,116
Net loans and leases to total assets93.2313%12
Net loans and leases to deposits135.9517%44
Net loans and leases to core deposits168.6594%96
Total domestic deposits to total assets62.6716%7,195
Equity capital to assets8.5277%6,110
Core capital (leverage) ratio8.3746%5,746
Tier 1 risk-based capital ratio7.9895%7,110
Total risk-based capital ratio8.8595%7,128
Memoranda:
Average total assets$7,006,630,400137
Average earning assets$6,676,966,200134
Average equity$609,356,600166
Average total loans$6,516,350,000101
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7702%4,141
Cost of funding earning assets0.2484%7,278
Net interest margin4.5218%1,094
Noninterest income to average assets0.3328%5,197
Noninterest expense to average assets2.5792%5,156
Loan and lease loss provision to assets0.4386%2,281
Net operating income to assets1.0553%2,121
Return on assets (ROA)1.0501%2,284
Pretax return on assets1.6193%1,332
Return on Equity (ROE)12.0037%1,551
Retained earnings to average equity (ytd only)12.0037%498
Net charge-offs to loans0.5506%2,587
Credit loss provision to net charge-offs85.9646%3,924
Earnings coverage of net charge-offs (x)4.0434%3,199
Efficiency ratio55.4233%6,348
Assets per employee ($millions)9.8606%260
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.9414%6,481
Loan loss allowance to noncurrent loans97.3894%3,023
Noncurrent assets plus other real estate owned to assets1.3701%4,084
Noncurrent loans to loans0.9666%4,953
Net loans and leases to total assets92.7743%17
Net loans and leases to deposits129.4487%51
Net loans and leases to core deposits156.6273%120
Total domestic deposits to total assets63.6134%7,251
Equity capital to assets8.5040%6,291
Core capital (leverage) ratio9.1632%4,685
Tier 1 risk-based capital ratio9.0481%7,108
Total risk-based capital ratio10.0581%7,138
Memoranda:
Average total assets$6,725,025,500144
Average earning assets$6,409,140,250139
Average equity$588,304,250172
Average total loans$6,232,226,250103
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7780%4,185
Cost of funding earning assets0.2788%7,337
Net interest margin4.4993%1,131
Noninterest income to average assets0.3469%5,107
Noninterest expense to average assets2.6770%4,910
Loan and lease loss provision to assets0.4913%2,004
Net operating income to assets0.9576%2,406
Return on assets (ROA)0.9530%2,519
Pretax return on assets1.4655%1,629
Return on Equity (ROE)10.7740%1,878
Retained earnings to average equity (ytd only)10.7740%710
Net charge-offs to loans0.6598%2,193
Credit loss provision to net charge-offs80.6950%3,750
Earnings coverage of net charge-offs (x)3.2212%3,260
Efficiency ratio57.5992%6,216
Assets per employee ($millions)8.7988%347
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.0776%6,047
Loan loss allowance to noncurrent loans76.7979%3,671
Noncurrent assets plus other real estate owned to assets1.7227%3,614
Noncurrent loans to loans1.4031%4,311
Net loans and leases to total assets92.7605%17
Net loans and leases to deposits113.3918%139
Net loans and leases to core deposits140.2970%187
Total domestic deposits to total assets70.7315%7,073
Equity capital to assets8.9625%5,638
Core capital (leverage) ratio9.3571%4,163
Tier 1 risk-based capital ratio9.0166%7,176
Total risk-based capital ratio10.1060%7,192
Memoranda:
Average total assets$6,399,665,670150
Average earning assets$6,103,979,000143
Average equity$566,105,670181
Average total loans$5,905,453,000108
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7189%4,437
Cost of funding earning assets0.3343%7,342
Net interest margin4.3846%1,325
Noninterest income to average assets0.2655%5,773
Noninterest expense to average assets2.7042%4,819
Loan and lease loss provision to assets0.4924%1,779
Net operating income to assets0.8184%2,935
Return on assets (ROA)0.8143%3,017
Pretax return on assets1.2465%2,203
Return on Equity (ROE)9.2706%2,356
Retained earnings to average equity (ytd only)9.2706%1,298
Net charge-offs to loans0.6265%1,950
Credit loss provision to net charge-offs85.9122%3,021
Earnings coverage of net charge-offs (x)3.0412%2,869
Efficiency ratio60.6902%5,878
Assets per employee ($millions)8.6157%377
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.2718%5,285
Loan loss allowance to noncurrent loans59.0285%4,463
Noncurrent assets plus other real estate owned to assets2.3969%2,843
Noncurrent loans to loans2.1546%3,379
Net loans and leases to total assets90.0313%41
Net loans and leases to deposits102.6720%363
Net loans and leases to core deposits118.5992%456
Total domestic deposits to total assets82.5381%5,094
Equity capital to assets9.1805%4,903
Core capital (leverage) ratio8.7038%5,082
Tier 1 risk-based capital ratio9.4811%7,147
Total risk-based capital ratio10.7316%7,154
Memoranda:
Average total assets$6,247,170,500153
Average earning assets$5,958,135,000148
Average equity$548,704,500183
Average total loans$5,714,670,500112
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9221%4,913
Cost of funding earning assets0.6048%7,117
Net interest margin4.3173%1,763
Noninterest income to average assets0.3833%5,034
Noninterest expense to average assets2.5277%5,692
Loan and lease loss provision to assets0.9120%1,795
Net operating income to assets0.6964%3,239
Return on assets (ROA)0.6859%3,406
Pretax return on assets1.0461%2,787
Return on Equity (ROE)7.8442%2,758
Retained earnings to average equity (ytd only)7.8442%1,028
Net charge-offs to loans0.9289%2,325
Credit loss provision to net charge-offs107.0194%4,153
Earnings coverage of net charge-offs (x)2.3100%3,991
Efficiency ratio56.0985%6,584
Assets per employee ($millions)9.2626%304
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.2108%5,456
Loan loss allowance to noncurrent loans60.1948%4,415
Noncurrent assets plus other real estate owned to assets2.5019%2,770
Noncurrent loans to loans2.0114%3,546
Net loans and leases to total assets90.6335%42
Net loans and leases to deposits105.2384%351
Net loans and leases to core deposits128.6337%350
Total domestic deposits to total assets78.9928%6,080
Equity capital to assets8.4095%5,982
Core capital (leverage) ratio7.9040%6,311
Tier 1 risk-based capital ratio8.9374%7,258
Total risk-based capital ratio10.1834%7,260
Memoranda:
Average total assets$5,981,608,600153
Average earning assets$5,698,632,000149
Average equity$523,010,800183
Average total loans$5,487,488,000115
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8869%5,323
Cost of funding earning assets0.6168%7,258
Net interest margin4.2701%1,952
Noninterest income to average assets0.3688%5,203
Noninterest expense to average assets2.5051%5,705
Loan and lease loss provision to assets0.9469%1,583
Net operating income to assets0.6528%3,630
Return on assets (ROA)0.6399%3,869
Pretax return on assets0.9728%3,279
Return on Equity (ROE)7.2420%3,232
Retained earnings to average equity (ytd only)7.2420%1,733
Net charge-offs to loans0.8408%2,349
Credit loss provision to net charge-offs122.7531%3,345
Earnings coverage of net charge-offs (x)2.5053%3,916
Efficiency ratio56.3273%6,508
Assets per employee ($millions)9.3090%310
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.2860%5,037
Loan loss allowance to noncurrent loans58.4290%4,418
Noncurrent assets plus other real estate owned to assets2.6560%2,723
Noncurrent loans to loans2.2010%3,445
Net loans and leases to total assets91.7414%32
Net loans and leases to deposits105.6532%377
Net loans and leases to core deposits134.1023%322
Total domestic deposits to total assets79.7160%5,799
Equity capital to assets8.3478%6,454
Core capital (leverage) ratio8.4068%5,687
Tier 1 risk-based capital ratio8.9806%7,367
Total risk-based capital ratio10.2338%7,386
Memoranda:
Average total assets$5,867,639,250152
Average earning assets$5,591,119,250149
Average equity$518,423,750183
Average total loans$5,382,852,750116
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8623%5,568
Cost of funding earning assets0.6195%7,365
Net interest margin4.2428%2,004
Noninterest income to average assets0.5066%4,060
Noninterest expense to average assets2.5878%5,366
Loan and lease loss provision to assets1.0075%1,442
Net operating income to assets0.6316%3,729
Return on assets (ROA)0.6166%3,937
Pretax return on assets0.9337%3,371
Return on Equity (ROE)6.8396%3,377
Retained earnings to average equity (ytd only)6.8396%1,910
Net charge-offs to loans0.8371%2,163
Credit loss provision to net charge-offs131.8325%3,055
Earnings coverage of net charge-offs (x)2.5597%3,720
Efficiency ratio56.8253%6,531
Assets per employee ($millions)8.8420%357
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.3713%4,574
Loan loss allowance to noncurrent loans49.1994%5,007
Noncurrent assets plus other real estate owned to assets3.2648%2,159
Noncurrent loans to loans2.7872%2,868
Net loans and leases to total assets90.5053%59
Net loans and leases to deposits107.3530%338
Net loans and leases to core deposits133.0664%378
Total domestic deposits to total assets77.4036%6,412
Equity capital to assets8.8378%5,694
Core capital (leverage) ratio8.9635%4,665
Tier 1 risk-based capital ratio9.2560%7,356
Total risk-based capital ratio10.5100%7,353
Memoranda:
Average total assets$5,713,481,670155
Average earning assets$5,437,001,330151
Average equity$515,089,000182
Average total loans$5,216,140,000122
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8451%5,702
Cost of funding earning assets0.6144%7,518
Net interest margin4.2307%1,925
Noninterest income to average assets0.4802%4,198
Noninterest expense to average assets2.6312%5,225
Loan and lease loss provision to assets0.9333%1,353
Net operating income to assets0.6266%3,771
Return on assets (ROA)0.6116%3,993
Pretax return on assets0.9247%3,370
Return on Equity (ROE)6.7132%3,501
Retained earnings to average equity (ytd only)6.7132%2,264
Net charge-offs to loans0.7287%2,045
Credit loss provision to net charge-offs140.6681%2,519
Earnings coverage of net charge-offs (x)2.8231%3,136
Efficiency ratio58.2880%6,443
Assets per employee ($millions)8.4807%426
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.4237%4,302
Loan loss allowance to noncurrent loans60.6052%4,341
Noncurrent assets plus other real estate owned to assets2.6782%2,722
Noncurrent loans to loans2.3492%3,333
Net loans and leases to total assets90.3430%61
Net loans and leases to deposits110.3987%279
Net loans and leases to core deposits139.6945%331
Total domestic deposits to total assets75.5788%6,821
Equity capital to assets9.3684%4,726
Core capital (leverage) ratio9.2169%4,193
Tier 1 risk-based capital ratio9.4893%7,311
Total risk-based capital ratio10.7428%7,303
Memoranda:
Average total assets$5,594,883,500159
Average earning assets$5,321,533,500153
Average equity$509,679,500183
Average total loans$5,093,929,000124
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8451%6,851
Cost of funding earning assets0.8370%7,501
Net interest margin4.0081%2,821
Noninterest income to average assets0.5312%4,169
Noninterest expense to average assets2.7020%5,379
Loan and lease loss provision to assets0.8230%2,666
Net operating income to assets0.5465%3,543
Return on assets (ROA)0.5351%3,681
Pretax return on assets0.8102%3,209
Return on Equity (ROE)5.8174%3,290
Retained earnings to average equity (ytd only)5.8174%1,421
Net charge-offs to loans0.4101%4,176
Credit loss provision to net charge-offs223.5814%1,679
Earnings coverage of net charge-offs (x)4.4680%2,940
Efficiency ratio62.0807%6,141
Assets per employee ($millions)9.0963%343
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.3187%4,655
Loan loss allowance to noncurrent loans66.5814%4,068
Noncurrent assets plus other real estate owned to assets2.2705%3,043
Noncurrent loans to loans1.9806%3,671
Net loans and leases to total assets89.2727%119
Net loans and leases to deposits121.0124%163
Net loans and leases to core deposits175.1122%197
Total domestic deposits to total assets67.0267%7,598
Equity capital to assets8.8602%5,339
Core capital (leverage) ratio8.9503%4,507
Tier 1 risk-based capital ratio9.1137%7,418
Total risk-based capital ratio10.3657%7,437
Memoranda:
Average total assets$5,285,664,000164
Average earning assets$5,031,531,000156
Average equity$486,196,400186
Average total loans$4,744,087,000130
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8214%7,075
Cost of funding earning assets0.8915%7,575
Net interest margin3.9300%3,123
Noninterest income to average assets0.5281%4,252
Noninterest expense to average assets2.5880%5,754
Loan and lease loss provision to assets0.8488%2,256
Net operating income to assets0.5530%3,781
Return on assets (ROA)0.5407%3,914
Pretax return on assets0.8213%3,472
Return on Equity (ROE)5.8192%3,597
Retained earnings to average equity (ytd only)5.8192%2,033
Net charge-offs to loans0.3293%3,990
Credit loss provision to net charge-offs287.7823%1,445
Earnings coverage of net charge-offs (x)5.7047%2,749
Efficiency ratio60.5264%6,345
Assets per employee ($millions)9.0567%360
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.3596%4,161
Loan loss allowance to noncurrent loans70.9414%3,777
Noncurrent assets plus other real estate owned to assets2.4014%2,868
Noncurrent loans to loans1.9166%3,749
Net loans and leases to total assets89.9716%120
Net loans and leases to deposits119.4697%216
Net loans and leases to core deposits194.5281%118
Total domestic deposits to total assets67.8879%7,589
Equity capital to assets9.3505%4,955
Core capital (leverage) ratio9.0943%4,500
Tier 1 risk-based capital ratio9.4832%7,387
Total risk-based capital ratio10.7360%7,344
Memoranda:
Average total assets$5,183,505,500174
Average earning assets$4,936,204,750164
Average equity$481,614,500194
Average total loans$4,642,263,000139
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7492%7,320
Cost of funding earning assets0.9553%7,613
Net interest margin3.7940%3,578
Noninterest income to average assets0.5312%4,171
Noninterest expense to average assets2.5118%6,084
Loan and lease loss provision to assets0.7584%2,169
Net operating income to assets0.5725%3,802
Return on assets (ROA)0.5725%3,907
Pretax return on assets0.8698%3,446
Return on Equity (ROE)6.1758%3,569
Retained earnings to average equity (ytd only)6.1758%1,937
Net charge-offs to loans0.4127%3,142
Credit loss provision to net charge-offs206.5240%2,211
Earnings coverage of net charge-offs (x)4.4338%3,097
Efficiency ratio60.5950%6,459
Assets per employee ($millions)9.3974%310
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.1414%5,325
Loan loss allowance to noncurrent loans102.1795%2,842
Noncurrent assets plus other real estate owned to assets1.5978%3,824
Noncurrent loans to loans1.1170%4,986
Net loans and leases to total assets88.8772%194
Net loans and leases to deposits126.2606%145
Net loans and leases to core deposits175.2733%265
Total domestic deposits to total assets63.1530%7,862
Equity capital to assets9.1950%5,020
Core capital (leverage) ratio8.9165%4,763
Tier 1 risk-based capital ratio9.4485%7,437
Total risk-based capital ratio10.5833%7,504
Memoranda:
Average total assets$5,142,260,670182
Average earning assets$4,891,344,330173
Average equity$476,735,330196
Average total loans$4,576,074,330144
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6367%7,587
Cost of funding earning assets1.0997%7,526
Net interest margin3.5370%4,579
Noninterest income to average assets0.5103%4,228
Noninterest expense to average assets2.3569%6,348
Loan and lease loss provision to assets0.6709%1,886
Net operating income to assets0.5597%4,185
Return on assets (ROA)0.5597%4,368
Pretax return on assets0.8507%3,887
Return on Equity (ROE)6.0111%4,037
Retained earnings to average equity (ytd only)6.0111%2,622
Net charge-offs to loans0.2326%3,246
Credit loss provision to net charge-offs325.7953%1,524
Earnings coverage of net charge-offs (x)7.3890%2,351
Efficiency ratio60.6858%6,296
Assets per employee ($millions)8.9046%365
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1277%5,275
Loan loss allowance to noncurrent loans90.6470%3,314
Noncurrent assets plus other real estate owned to assets1.6549%3,432
Noncurrent loans to loans1.2440%4,481
Net loans and leases to total assets87.8562%276
Net loans and leases to deposits141.4351%86
Net loans and leases to core deposits208.7605%120
Total domestic deposits to total assets53.7835%8,073
Equity capital to assets9.5464%4,613
Core capital (leverage) ratio8.9455%4,801
Tier 1 risk-based capital ratio9.6961%7,261
Total risk-based capital ratio10.7968%7,328
Memoranda:
Average total assets$5,068,029,500186
Average earning assets$4,826,060,000173
Average equity$471,862,500194
Average total loans$4,485,844,500147
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6870%6,819
Cost of funding earning assets2.0379%6,288
Net interest margin3.6491%4,683
Noninterest income to average assets0.4600%4,970
Noninterest expense to average assets2.3385%6,594
Loan and lease loss provision to assets0.5778%2,513
Net operating income to assets0.6623%4,054
Return on assets (ROA)0.6623%3,900
Pretax return on assets1.0074%3,358
Return on Equity (ROE)7.0855%3,486
Retained earnings to average equity (ytd only)7.0855%1,126
Net charge-offs to loans0.3166%3,277
Credit loss provision to net charge-offs210.0345%2,296
Earnings coverage of net charge-offs (x)5.7621%3,543
Efficiency ratio59.5096%6,433
Assets per employee ($millions)9.4506%304
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.0026%6,028
Loan loss allowance to noncurrent loans87.8928%3,839
Noncurrent assets plus other real estate owned to assets1.5106%3,197
Noncurrent loans to loans1.1407%4,263
Net loans and leases to total assets87.2916%440
Net loans and leases to deposits131.4334%194
Net loans and leases to core deposits186.1128%236
Total domestic deposits to total assets56.6709%8,044
Equity capital to assets9.0806%5,256
Core capital (leverage) ratio9.5600%3,926
Tier 1 risk-based capital ratio9.3352%7,481
Total risk-based capital ratio10.2943%7,732
Memoranda:
Average total assets$4,629,394,000191
Average earning assets$4,394,189,200184
Average equity$432,741,800210
Average total loans$4,022,654,600163