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Texas Hill Country Bank, Performance and Condition Ratios

2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5919%1,332
Cost of funding earning assets0.6738%2,176
Net interest margin3.9180%1,308
Noninterest income to average assets0.7399%1,675
Noninterest expense to average assets2.6603%2,362
Loan and lease loss provision to assets0.3957%900
Net operating income to assets1.0890%2,019
Return on assets (ROA)1.0890%2,148
Pretax return on assets1.3373%1,915
Return on Equity (ROE)12.4045%1,272
Retained earnings to average equity (ytd only)12.4045%384
Net charge-offs to loans0.0262%2,312
Credit loss provision to net charge-offs1,833.3333%517
Earnings coverage of net charge-offs (x)80.2667%923
Efficiency ratio60.5505%3,295
Assets per employee ($millions)5.5320%2,677
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.9328%3,966
Loan loss allowance to noncurrent loans980.2326%597
Noncurrent assets plus other real estate owned to assets0.0864%4,000
Noncurrent loans to loans0.0952%3,984
Net loans and leases to total assets89.9107%43
Net loans and leases to deposits98.9369%579
Net loans and leases to core deposits117.8237%459
Total domestic deposits to total assets90.8768%197
Equity capital to assets8.6150%4,392
Core capital (leverage) ratio8.6495%4,133
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$185,238,0003,049
Average earning assets$172,735,7503,032
Average equity$16,262,5003,527
Average total loans$152,572,7502,644
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4986%1,919
Cost of funding earning assets0.7529%2,103
Net interest margin3.7456%2,008
Noninterest income to average assets0.6434%1,962
Noninterest expense to average assets3.0100%1,552
Loan and lease loss provision to assets0.1107%2,904
Net operating income to assets0.8140%2,992
Return on assets (ROA)0.8140%3,110
Pretax return on assets1.0155%2,981
Return on Equity (ROE)9.2080%2,276
Retained earnings to average equity (ytd only)9.2080%954
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.7711%1,592
Assets per employee ($millions)5.5804%2,566
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.9971%3,592
Loan loss allowance to noncurrent loans694.7368%754
Noncurrent assets plus other real estate owned to assets0.1230%3,916
Noncurrent loans to loans0.1435%3,884
Net loans and leases to total assets84.8124%196
Net loans and leases to deposits93.0617%1,042
Net loans and leases to core deposits109.5035%758
Total domestic deposits to total assets91.1356%128
Equity capital to assets8.1491%4,652
Core capital (leverage) ratio8.5026%4,386
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$180,600,0003,070
Average earning assets$168,409,6673,058
Average equity$15,964,3333,554
Average total loans$143,182,0002,716
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7692%1,503
Cost of funding earning assets0.9007%1,864
Net interest margin3.8685%1,765
Noninterest income to average assets0.7157%1,588
Noninterest expense to average assets3.1234%1,579
Loan and lease loss provision to assets0.1173%2,222
Net operating income to assets0.8425%2,744
Return on assets (ROA)0.8425%2,834
Pretax return on assets1.0630%2,628
Return on Equity (ROE)9.1111%2,064
Retained earnings to average equity (ytd only)9.1111%945
Net charge-offs to loans0.0031%2,481
Credit loss provision to net charge-offs5,000.0000%154
Earnings coverage of net charge-offs (x)503.0000%123
Efficiency ratio72.5736%1,992
Assets per employee ($millions)4.7537%2,926
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.9524%3,918
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets73.8325%1,635
Net loans and leases to deposits81.6939%2,495
Net loans and leases to core deposits99.3912%1,524
Total domestic deposits to total assets90.3770%224
Equity capital to assets9.3337%4,366
Core capital (leverage) ratio9.4984%3,987
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$170,453,0003,129
Average earning assets$158,098,0003,129
Average equity$15,761,0003,579
Average total loans$128,723,5002,851
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0515%1,341
Cost of funding earning assets0.9820%1,806
Net interest margin4.0695%1,624
Noninterest income to average assets0.6447%2,026
Noninterest expense to average assets3.1035%1,749
Loan and lease loss provision to assets0.1513%1,404
Net operating income to assets0.9035%3,197
Return on assets (ROA)0.9035%3,285
Pretax return on assets1.1502%3,008
Return on Equity (ROE)9.4183%2,563
Retained earnings to average equity (ytd only)9.4183%609
Net charge-offs to loans0.0025%3,604
Credit loss provision to net charge-offs7,833.3333%58
Earnings coverage of net charge-offs (x)673.6667%153
Efficiency ratio70.4532%2,104
Assets per employee ($millions)4.9983%2,599
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.8977%3,969
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets75.7405%1,457
Net loans and leases to deposits83.9092%2,345
Net loans and leases to core deposits101.0941%1,478
Total domestic deposits to total assets90.2649%245
Equity capital to assets9.2484%4,531
Core capital (leverage) ratio9.7983%3,733
Tier 1 risk-based capital ratio11.7437%4,501
Total risk-based capital ratio12.6147%4,579
Memoranda:
Average total assets$155,276,6003,238
Average earning assets$143,483,4003,236
Average equity$14,896,6003,646
Average total loans$120,830,4002,934
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0771%1,335
Cost of funding earning assets0.9939%1,790
Net interest margin4.0832%1,661
Noninterest income to average assets0.6103%2,154
Noninterest expense to average assets3.1615%1,550
Loan and lease loss provision to assets0.1539%1,218
Net operating income to assets0.8627%3,475
Return on assets (ROA)0.8627%3,552
Pretax return on assets1.0632%3,398
Return on Equity (ROE)8.9029%2,927
Retained earnings to average equity (ytd only)8.9029%1,078
Net charge-offs to loans0.0045%3,242
Credit loss provision to net charge-offs4,375.0000%94
Earnings coverage of net charge-offs (x)346.2083%284
Efficiency ratio72.2033%1,802
Assets per employee ($millions)4.6469%2,975
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.8631%4,189
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets82.7646%490
Net loans and leases to deposits92.4108%1,387
Net loans and leases to core deposits111.7621%858
Total domestic deposits to total assets89.5616%429
Equity capital to assets9.9630%4,057
Core capital (leverage) ratio9.9112%3,727
Tier 1 risk-based capital ratio11.6766%4,577
Total risk-based capital ratio12.5205%4,680
Memoranda:
Average total assets$151,610,2503,306
Average earning assets$139,918,7503,312
Average equity$14,691,5003,696
Average total loans$118,567,7502,986
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9741%1,550
Cost of funding earning assets0.9914%1,737
Net interest margin3.9828%1,973
Noninterest income to average assets0.4529%2,942
Noninterest expense to average assets3.0457%1,873
Loan and lease loss provision to assets0.1523%1,197
Net operating income to assets0.7614%3,788
Return on assets (ROA)0.7614%3,853
Pretax return on assets0.9203%3,789
Return on Equity (ROE)7.9332%3,317
Retained earnings to average equity (ytd only)7.9332%1,427
Net charge-offs to loans0.0087%2,831
Credit loss provision to net charge-offs2,300.0000%161
Earnings coverage of net charge-offs (x)162.0000%461
Efficiency ratio73.9550%1,655
Assets per employee ($millions)4.6297%2,962
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.8461%4,279
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets80.0826%868
Net loans and leases to deposits88.9457%1,869
Net loans and leases to core deposits108.3164%1,078
Total domestic deposits to total assets90.0354%324
Equity capital to assets9.7257%4,212
Core capital (leverage) ratio9.8428%3,770
Tier 1 risk-based capital ratio11.6482%4,610
Total risk-based capital ratio12.4658%4,716
Memoranda:
Average total assets$151,031,3303,339
Average earning assets$138,998,6703,342
Average equity$14,496,0003,722
Average total loans$115,416,3303,042
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8637%1,717
Cost of funding earning assets0.9572%1,758
Net interest margin3.9066%2,165
Noninterest income to average assets0.4555%2,823
Noninterest expense to average assets3.0821%1,768
Loan and lease loss provision to assets0.1199%1,460
Net operating income to assets0.7033%3,919
Return on assets (ROA)0.7033%3,966
Pretax return on assets0.8631%3,885
Return on Equity (ROE)7.3771%3,514
Retained earnings to average equity (ytd only)7.3771%1,891
Net charge-offs to loans0.0179%2,112
Credit loss provision to net charge-offs900.0000%396
Earnings coverage of net charge-offs (x)73.8000%817
Efficiency ratio75.8191%1,515
Assets per employee ($millions)4.9917%2,531
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.8516%4,340
Loan loss allowance to noncurrent loans19,480.0000%44
Noncurrent assets plus other real estate owned to assets0.0033%4,876
Noncurrent loans to loans0.0044%4,787
Net loans and leases to total assets75.7289%1,529
Net loans and leases to deposits84.0490%2,378
Net loans and leases to core deposits102.6624%1,406
Total domestic deposits to total assets90.1008%413
Equity capital to assets9.6594%4,124
Core capital (leverage) ratio9.6544%3,966
Tier 1 risk-based capital ratio12.1839%4,360
Total risk-based capital ratio12.9993%4,495
Memoranda:
Average total assets$150,156,5003,383
Average earning assets$138,741,0003,384
Average equity$14,314,5003,759
Average total loans$111,427,0003,145
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8630%1,383
Cost of funding earning assets0.7722%1,676
Net interest margin4.0908%1,708
Noninterest income to average assets0.5808%2,398
Noninterest expense to average assets2.9821%2,091
Loan and lease loss provision to assets0.1274%1,721
Net operating income to assets0.9685%3,146
Return on assets (ROA)0.9685%3,145
Pretax return on assets1.2358%2,755
Return on Equity (ROE)9.3087%2,834
Retained earnings to average equity (ytd only)9.3087%783
Net charge-offs to loans0.0529%2,398
Credit loss provision to net charge-offs311.3208%1,006
Earnings coverage of net charge-offs (x)33.3019%1,498
Efficiency ratio68.6278%2,445
Assets per employee ($millions)5.1918%2,274
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.8601%4,327
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets71.4272%2,361
Net loans and leases to deposits79.0391%3,048
Net loans and leases to core deposits94.2872%2,206
Total domestic deposits to total assets90.3695%358
Equity capital to assets9.4074%4,210
Core capital (leverage) ratio10.0517%3,520
Tier 1 risk-based capital ratio12.3753%4,196
Total risk-based capital ratio13.1839%4,357
Memoranda:
Average total assets$129,472,4003,653
Average earning assets$119,145,0003,660
Average equity$13,471,2003,820
Average total loans$100,223,4003,289
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9070%1,141
Cost of funding earning assets0.7234%1,734
Net interest margin4.1837%1,405
Noninterest income to average assets0.6119%2,250
Noninterest expense to average assets3.0971%1,776
Loan and lease loss provision to assets0.1342%1,493
Net operating income to assets0.9812%3,173
Return on assets (ROA)0.9812%3,182
Pretax return on assets1.2238%2,900
Return on Equity (ROE)9.1641%3,017
Retained earnings to average equity (ytd only)9.1641%1,161
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5181%2,270
Assets per employee ($millions)4.6190%2,959
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.9284%4,142
Loan loss allowance to noncurrent loans1,721.8182%370
Noncurrent assets plus other real estate owned to assets0.0411%4,769
Noncurrent loans to loans0.0539%4,651
Net loans and leases to total assets75.4419%1,742
Net loans and leases to deposits84.2843%2,569
Net loans and leases to core deposits100.6343%1,731
Total domestic deposits to total assets89.5089%672
Equity capital to assets10.2611%3,392
Core capital (leverage) ratio10.5780%2,995
Tier 1 risk-based capital ratio13.1347%3,828
Total risk-based capital ratio14.0306%3,938
Memoranda:
Average total assets$124,199,7503,763
Average earning assets$114,091,7503,781
Average equity$13,298,0003,875
Average total loans$98,160,2503,359
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8800%1,062
Cost of funding earning assets0.6249%2,076
Net interest margin4.2552%1,146
Noninterest income to average assets0.5705%2,474
Noninterest expense to average assets3.0939%1,802
Loan and lease loss provision to assets0.1571%1,197
Net operating income to assets1.0054%2,991
Return on assets (ROA)1.0054%2,993
Pretax return on assets1.2270%2,840
Return on Equity (ROE)9.2479%2,916
Retained earnings to average equity (ytd only)9.2479%1,141
Net charge-offs to loans-0.0021%3,949
Credit loss provision to net charge-offs-9,500.0000%4,808
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0916%2,467
Assets per employee ($millions)4.4503%3,201
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.9029%4,330
Loan loss allowance to noncurrent loans4,590.0000%168
Noncurrent assets plus other real estate owned to assets0.0155%4,959
Noncurrent loans to loans0.0197%4,849
Net loans and leases to total assets78.0711%1,298
Net loans and leases to deposits87.3134%2,181
Net loans and leases to core deposits102.9614%1,491
Total domestic deposits to total assets89.4148%769
Equity capital to assets10.4178%3,191
Core capital (leverage) ratio11.1556%2,384
Tier 1 risk-based capital ratio13.3612%3,700
Total risk-based capital ratio14.2652%3,804
Memoranda:
Average total assets$120,949,0003,840
Average earning assets$111,065,3303,855
Average equity$13,149,0003,910
Average total loans$96,879,3303,395
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8349%1,003
Cost of funding earning assets0.5623%2,302
Net interest margin4.2727%1,003
Noninterest income to average assets0.5441%2,557
Noninterest expense to average assets3.1652%1,651
Loan and lease loss provision to assets0.2053%800
Net operating income to assets0.9855%2,910
Return on assets (ROA)0.9855%2,943
Pretax return on assets1.1258%3,066
Return on Equity (ROE)8.8609%2,974
Retained earnings to average equity (ytd only)8.8609%1,511
Net charge-offs to loans-0.0042%3,954
Credit loss provision to net charge-offs-6,000.0000%4,466
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.3957%2,426
Assets per employee ($millions)4.1882%3,668
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.9014%4,447
Loan loss allowance to noncurrent loans761.2069%753
Noncurrent assets plus other real estate owned to assets0.1373%4,402
Noncurrent loans to loans0.1184%4,434
Net loans and leases to total assets82.7781%560
Net loans and leases to deposits93.4257%1,288
Net loans and leases to core deposits110.3290%985
Total domestic deposits to total assets88.6031%1,309
Equity capital to assets11.1948%2,389
Core capital (leverage) ratio11.3307%2,140
Tier 1 risk-based capital ratio13.5299%3,642
Total risk-based capital ratio14.4323%3,758
Memoranda:
Average total assets$116,894,5003,952
Average earning assets$108,129,5003,944
Average equity$13,001,0003,966
Average total loans$94,481,5003,458
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5478%1,569
Cost of funding earning assets0.5442%1,993
Net interest margin4.0036%1,744
Noninterest income to average assets0.5480%2,729
Noninterest expense to average assets3.0955%1,872
Loan and lease loss provision to assets0.1943%1,079
Net operating income to assets1.0611%2,015
Return on assets (ROA)1.0611%2,034
Pretax return on assets1.0054%3,543
Return on Equity (ROE)9.1411%2,246
Retained earnings to average equity (ytd only)9.1411%485
Net charge-offs to loans0.0180%3,502
Credit loss provision to net charge-offs1,373.3333%284
Earnings coverage of net charge-offs (x)84.8000%735
Efficiency ratio72.0685%2,213
Assets per employee ($millions)4.3156%3,459
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.9032%4,461
Loan loss allowance to noncurrent loans830.3030%734
Noncurrent assets plus other real estate owned to assets0.1236%4,511
Noncurrent loans to loans0.1088%4,498
Net loans and leases to total assets77.3987%1,362
Net loans and leases to deposits87.1647%2,110
Net loans and leases to core deposits102.3620%1,534
Total domestic deposits to total assets88.7959%1,087
Equity capital to assets11.0487%2,584
Core capital (leverage) ratio11.3965%2,015
Tier 1 risk-based capital ratio14.2993%3,197
Total risk-based capital ratio15.2076%3,292
Memoranda:
Average total assets$106,024,6004,133
Average earning assets$99,235,0004,113
Average equity$12,307,0004,089
Average total loans$83,278,6003,672
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4990%1,643
Cost of funding earning assets0.5404%1,956
Net interest margin3.9586%1,837
Noninterest income to average assets0.5209%2,893
Noninterest expense to average assets3.1385%1,702
Loan and lease loss provision to assets0.2128%888
Net operating income to assets1.4339%1,020
Return on assets (ROA)1.4339%1,036
Pretax return on assets0.8910%4,071
Return on Equity (ROE)12.1874%1,279
Retained earnings to average equity (ytd only)12.1874%280
Net charge-offs to loans0.0246%2,956
Credit loss provision to net charge-offs1,100.0000%333
Earnings coverage of net charge-offs (x)57.0650%1,024
Efficiency ratio73.9818%1,893
Assets per employee ($millions)4.4655%3,211
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.9031%4,553
Loan loss allowance to noncurrent loans19,525.0000%50
Noncurrent assets plus other real estate owned to assets0.0439%5,013
Noncurrent loans to loans0.0046%5,127
Net loans and leases to total assets76.7678%1,456
Net loans and leases to deposits87.1327%2,165
Net loans and leases to core deposits103.1088%1,457
Total domestic deposits to total assets88.1044%1,310
Equity capital to assets11.5436%2,325
Core capital (leverage) ratio11.2497%2,220
Tier 1 risk-based capital ratio14.5702%3,144
Total risk-based capital ratio15.4970%3,227
Memoranda:
Average total assets$103,400,7504,217
Average earning assets$97,204,5004,187
Average equity$12,165,2504,146
Average total loans$81,346,5003,743
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4812%1,569
Cost of funding earning assets0.5303%1,910
Net interest margin3.9509%1,771
Noninterest income to average assets0.4252%3,523
Noninterest expense to average assets3.1275%1,776
Loan and lease loss provision to assets0.1927%966
Net operating income to assets0.8206%3,293
Return on assets (ROA)0.8206%3,349
Pretax return on assets0.8206%4,197
Return on Equity (ROE)6.9268%3,592
Retained earnings to average equity (ytd only)6.9268%1,630
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.5278%1,796
Assets per employee ($millions)4.5661%3,001
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.8601%4,788
Loan loss allowance to noncurrent loans274.7170%1,697
Noncurrent assets plus other real estate owned to assets0.2523%4,118
Noncurrent loans to loans0.3131%3,916
Net loans and leases to total assets79.9031%972
Net loans and leases to deposits90.5740%1,657
Net loans and leases to core deposits108.3319%1,087
Total domestic deposits to total assets88.2185%1,348
Equity capital to assets11.5958%2,232
Core capital (leverage) ratio11.9244%1,677
Tier 1 risk-based capital ratio14.9547%2,948
Total risk-based capital ratio15.8467%3,033
Memoranda:
Average total assets$100,655,0004,295
Average earning assets$94,663,0004,256
Average equity$11,924,6704,202
Average total loans$79,634,3303,799
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3566%1,799
Cost of funding earning assets0.5386%1,800
Net interest margin3.8179%2,055
Noninterest income to average assets0.3453%4,084
Noninterest expense to average assets3.0425%2,040
Loan and lease loss provision to assets0.2031%809
Net operating income to assets0.6987%3,712
Return on assets (ROA)0.6987%3,750
Pretax return on assets0.6987%4,454
Return on Equity (ROE)5.8315%3,988
Retained earnings to average equity (ytd only)5.8315%2,420
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1370%1,742
Assets per employee ($millions)4.3534%3,415
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.8474%4,932
Loan loss allowance to noncurrent loans1,135.0000%550
Noncurrent assets plus other real estate owned to assets0.0599%5,045
Noncurrent loans to loans0.0747%4,906
Net loans and leases to total assets79.5791%890
Net loans and leases to deposits90.4058%1,490
Net loans and leases to core deposits104.3259%1,206
Total domestic deposits to total assets88.0243%1,702
Equity capital to assets11.8768%1,924
Core capital (leverage) ratio12.1378%1,543
Tier 1 risk-based capital ratio14.9414%2,994
Total risk-based capital ratio15.7926%3,108
Memoranda:
Average total assets$98,472,0004,382
Average earning assets$92,825,0004,338
Average equity$11,798,0004,250
Average total loans$77,130,0003,880
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2957%2,155
Cost of funding earning assets0.5122%1,996
Net interest margin3.7835%2,376
Noninterest income to average assets0.2682%4,807
Noninterest expense to average assets2.9938%2,371
Loan and lease loss provision to assets0.1267%1,961
Net operating income to assets0.7225%3,679
Return on assets (ROA)0.7225%3,792
Pretax return on assets0.7225%4,416
Return on Equity (ROE)5.5689%4,171
Retained earnings to average equity (ytd only)5.5689%1,973
Net charge-offs to loans0.0030%4,161
Credit loss provision to net charge-offs5,550.0000%82
Earnings coverage of net charge-offs (x)372.0000%217
Efficiency ratio77.9032%1,706
Assets per employee ($millions)4.0340%3,907
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.8539%4,949
Loan loss allowance to noncurrent loans1,190.5660%525
Noncurrent assets plus other real estate owned to assets0.0547%5,125
Noncurrent loans to loans0.0717%4,951
Net loans and leases to total assets75.6765%1,564
Net loans and leases to deposits86.1944%2,140
Net loans and leases to core deposits109.9181%902
Total domestic deposits to total assets87.7975%1,746
Equity capital to assets12.0889%1,748
Core capital (leverage) ratio12.2133%1,468
Tier 1 risk-based capital ratio15.2923%2,842
Total risk-based capital ratio16.1121%2,961
Memoranda:
Average total assets$87,614,8004,594
Average earning assets$82,780,0004,541
Average equity$11,366,6004,361
Average total loans$66,458,4004,133
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3094%2,135
Cost of funding earning assets0.4985%2,116
Net interest margin3.8109%2,293
Noninterest income to average assets0.2625%4,893
Noninterest expense to average assets3.0412%2,195
Loan and lease loss provision to assets0.1500%1,560
Net operating income to assets0.6673%4,011
Return on assets (ROA)0.6673%4,134
Pretax return on assets0.6673%4,696
Return on Equity (ROE)5.0462%4,497
Retained earnings to average equity (ytd only)5.0462%2,798
Net charge-offs to loans0.0041%3,777
Credit loss provision to net charge-offs4,800.0000%112
Earnings coverage of net charge-offs (x)261.1685%311
Efficiency ratio78.8173%1,573
Assets per employee ($millions)4.3065%3,405
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.8934%4,895
Loan loss allowance to noncurrent loans1,368.8889%432
Noncurrent assets plus other real estate owned to assets0.0475%5,276
Noncurrent loans to loans0.0653%5,091
Net loans and leases to total assets72.1256%2,172
Net loans and leases to deposits82.3420%2,686
Net loans and leases to core deposits106.3415%1,160
Total domestic deposits to total assets87.5928%1,616
Equity capital to assets12.2373%1,951
Core capital (leverage) ratio12.6389%1,342
Tier 1 risk-based capital ratio15.7753%2,711
Total risk-based capital ratio16.6164%2,817
Memoranda:
Average total assets$85,314,5004,661
Average earning assets$80,504,7504,615
Average equity$11,282,2504,417
Average total loans$64,598,5004,198
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3899%1,855
Cost of funding earning assets0.4823%2,248
Net interest margin3.9076%1,956
Noninterest income to average assets0.2361%5,071
Noninterest expense to average assets3.1446%1,944
Loan and lease loss provision to assets0.1606%1,414
Net operating income to assets0.5987%4,276
Return on assets (ROA)0.5987%4,394
Pretax return on assets0.5987%4,889
Return on Equity (ROE)4.4014%4,755
Retained earnings to average equity (ytd only)4.4014%3,114
Net charge-offs to loans0.0032%3,596
Credit loss provision to net charge-offs6,600.0000%56
Earnings coverage of net charge-offs (x)312.0000%214
Efficiency ratio80.5486%1,439
Assets per employee ($millions)4.4188%3,185
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.8878%4,996
Loan loss allowance to noncurrent loans199.6599%2,289
Noncurrent assets plus other real estate owned to assets0.3327%4,169
Noncurrent loans to loans0.4446%3,777
Net loans and leases to total assets74.1556%1,810
Net loans and leases to deposits85.2233%2,332
Net loans and leases to core deposits111.0800%871
Total domestic deposits to total assets87.0133%1,909
Equity capital to assets12.8758%1,574
Core capital (leverage) ratio13.6680%921
Tier 1 risk-based capital ratio15.7928%2,744
Total risk-based capital ratio16.6087%2,857
Memoranda:
Average total assets$82,171,6704,767
Average earning assets$77,131,0004,723
Average equity$11,178,3304,462
Average total loans$63,148,0004,255
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4373%1,693
Cost of funding earning assets0.4529%2,551
Net interest margin3.9844%1,661
Noninterest income to average assets0.2428%4,999
Noninterest expense to average assets3.3236%1,545
Loan and lease loss provision to assets0.1366%1,531
Net operating income to assets0.5211%4,542
Return on assets (ROA)0.5211%4,651
Pretax return on assets0.5211%5,027
Return on Equity (ROE)3.7191%4,989
Retained earnings to average equity (ytd only)3.7191%3,633
Net charge-offs to loans0.0065%2,898
Credit loss provision to net charge-offs2,700.0000%154
Earnings coverage of net charge-offs (x)130.0000%449
Efficiency ratio83.4816%1,204
Assets per employee ($millions)4.5113%3,050
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.8515%5,219
Loan loss allowance to noncurrent loans1,217.7778%499
Noncurrent assets plus other real estate owned to assets0.0554%5,394
Noncurrent loans to loans0.0699%5,200
Net loans and leases to total assets78.5749%1,017
Net loans and leases to deposits93.8917%1,155
Net loans and leases to core deposits121.9837%416
Total domestic deposits to total assets83.6868%3,643
Equity capital to assets13.7592%1,067
Core capital (leverage) ratio12.7740%1,244
Tier 1 risk-based capital ratio16.0256%2,669
Total risk-based capital ratio16.8092%2,817
Memoranda:
Average total assets$79,070,0004,877
Average earning assets$74,188,5004,845
Average equity$11,078,0004,489
Average total loans$61,661,0004,323
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2659%2,332
Cost of funding earning assets0.4024%3,126
Net interest margin3.8636%2,149
Noninterest income to average assets0.2355%5,186
Noninterest expense to average assets3.3134%1,691
Loan and lease loss provision to assets0.1437%1,649
Net operating income to assets0.4192%4,990
Return on assets (ROA)0.4192%5,074
Pretax return on assets0.4192%5,282
Return on Equity (ROE)2.6230%5,418
Retained earnings to average equity (ytd only)2.6230%4,204
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.4796%1,045
Assets per employee ($millions)4.2742%3,444
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.8852%5,135
Loan loss allowance to noncurrent loans1,160.0000%528
Noncurrent assets plus other real estate owned to assets0.0585%5,426
Noncurrent loans to loans0.0763%5,196
Net loans and leases to total assets75.9670%1,424
Net loans and leases to deposits100.1371%665
Net loans and leases to core deposits115.1441%633
Total domestic deposits to total assets75.8631%5,458
Equity capital to assets14.2755%847
Core capital (leverage) ratio15.4937%535
Tier 1 risk-based capital ratio17.8743%1,999
Total risk-based capital ratio18.7112%2,088
Memoranda:
Average total assets$67,512,8005,142
Average earning assets$63,620,2005,097
Average equity$10,789,2004,526
Average total loans$47,948,8004,728
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2426%2,436
Cost of funding earning assets0.4074%3,150
Net interest margin3.8352%2,247
Noninterest income to average assets0.2333%5,263
Noninterest expense to average assets3.3846%1,500
Loan and lease loss provision to assets0.1269%1,780
Net operating income to assets0.3438%5,332
Return on assets (ROA)0.3438%5,422
Pretax return on assets0.3438%5,568
Return on Equity (ROE)2.0854%5,649
Retained earnings to average equity (ytd only)2.0854%4,839
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.7919%858
Assets per employee ($millions)4.0018%3,873
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.9346%5,050
Loan loss allowance to noncurrent loans1,082.2222%533
Noncurrent assets plus other real estate owned to assets0.0661%5,504
Noncurrent loans to loans0.0864%5,286
Net loans and leases to total assets75.8816%1,401
Net loans and leases to deposits90.5428%1,578
Net loans and leases to core deposits103.9257%1,238
Total domestic deposits to total assets83.8074%3,504
Equity capital to assets16.0368%558
Core capital (leverage) ratio16.1169%472
Tier 1 risk-based capital ratio20.2534%1,496
Total risk-based capital ratio21.1526%1,535
Memoranda:
Average total assets$65,157,0005,266
Average earning assets$61,533,5005,205
Average equity$10,740,7504,582
Average total loans$45,194,0004,872
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1310%2,787
Cost of funding earning assets0.4008%3,267
Net interest margin3.7301%2,580
Noninterest income to average assets0.2274%5,339
Noninterest expense to average assets3.4518%1,375
Loan and lease loss provision to assets0.0935%2,257
Net operating income to assets0.1900%5,722
Return on assets (ROA)0.1900%5,782
Pretax return on assets0.1900%5,829
Return on Equity (ROE)1.1419%5,881
Retained earnings to average equity (ytd only)1.1419%5,111
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.4103%618
Assets per employee ($millions)3.9178%4,039
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.0402%4,658
Loan loss allowance to noncurrent loans1,011.1111%554
Noncurrent assets plus other real estate owned to assets0.0676%5,601
Noncurrent loans to loans0.1029%5,336
Net loans and leases to total assets64.9905%3,127
Net loans and leases to deposits77.5870%3,084
Net loans and leases to core deposits87.0733%2,650
Total domestic deposits to total assets83.7648%3,661
Equity capital to assets16.1241%515
Core capital (leverage) ratio16.6687%390
Tier 1 risk-based capital ratio23.4581%1,015
Total risk-based capital ratio24.4417%1,040
Memoranda:
Average total assets$64,199,0005,339
Average earning assets$60,373,3305,300
Average equity$10,684,3304,619
Average total loans$42,888,6704,993
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1906%2,496
Cost of funding earning assets0.3773%3,566
Net interest margin3.8133%2,189
Noninterest income to average assets0.2349%5,284
Noninterest expense to average assets3.4160%1,461
Loan and lease loss provision to assets0.1587%1,280
Net operating income to assets0.2540%5,554
Return on assets (ROA)0.2540%5,646
Pretax return on assets0.2540%5,746
Return on Equity (ROE)1.5014%5,806
Retained earnings to average equity (ytd only)1.5014%4,886
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.2206%917
Assets per employee ($millions)3.8388%4,270
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.1060%4,484
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets61.6595%3,425
Net loans and leases to deposits73.8493%3,330
Net loans and leases to core deposits82.5077%2,905
Total domestic deposits to total assets83.4937%4,007
Equity capital to assets16.4358%491
Core capital (leverage) ratio16.9322%367
Tier 1 risk-based capital ratio25.7453%809
Total risk-based capital ratio26.8159%808
Memoranda:
Average total assets$62,997,5005,426
Average earning assets$59,371,5005,375
Average equity$10,657,0004,664
Average total loans$42,463,0005,050
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2459%2,795
Cost of funding earning assets0.3970%3,726
Net interest margin3.8489%2,433
Noninterest income to average assets0.2299%5,482
Noninterest expense to average assets3.3388%1,827
Loan and lease loss provision to assets0.2043%1,232
Net operating income to assets0.2956%5,530
Return on assets (ROA)0.2956%5,600
Pretax return on assets0.2956%5,709
Return on Equity (ROE)2.0223%5,756
Retained earnings to average equity (ytd only)2.0223%4,774
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.9772%1,078
Assets per employee ($millions)3.7959%4,353
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.9607%5,243
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets72.1363%1,890
Net loans and leases to deposits87.4561%1,796
Net loans and leases to core deposits94.7327%1,844
Total domestic deposits to total assets82.4829%4,257
Equity capital to assets17.4331%370
Core capital (leverage) ratio18.1969%283
Tier 1 risk-based capital ratio24.5863%882
Total risk-based capital ratio25.5563%896
Memoranda:
Average total assets$54,809,4005,681
Average earning assets$51,390,8005,635
Average equity$8,010,6005,198
Average total loans$37,927,6005,259
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1826%3,055
Cost of funding earning assets0.4057%3,718
Net interest margin3.7769%2,705
Noninterest income to average assets0.2375%5,507
Noninterest expense to average assets3.2577%1,999
Loan and lease loss provision to assets0.1775%1,388
Net operating income to assets0.3400%5,460
Return on assets (ROA)0.3400%5,532
Pretax return on assets0.3400%5,694
Return on Equity (ROE)2.4616%5,718
Retained earnings to average equity (ytd only)2.4616%4,824
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.2914%1,157
Assets per employee ($millions)3.7813%4,328
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.9771%5,307
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets68.6102%2,447
Net loans and leases to deposits84.2261%2,118
Net loans and leases to core deposits91.8673%2,048
Total domestic deposits to total assets81.4595%4,676
Equity capital to assets18.4400%307
Core capital (leverage) ratio18.6278%270
Tier 1 risk-based capital ratio26.5890%741
Total risk-based capital ratio27.5412%741
Memoranda:
Average total assets$53,328,0005,778
Average earning assets$49,951,2505,743
Average equity$7,366,2505,369
Average total loans$36,350,2505,372
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1000%3,339
Cost of funding earning assets0.4063%3,808
Net interest margin3.6937%2,987
Noninterest income to average assets0.2376%5,498
Noninterest expense to average assets3.0078%2,797
Loan and lease loss provision to assets0.2146%1,096
Net operating income to assets0.4636%4,959
Return on assets (ROA)0.4636%5,031
Pretax return on assets0.4636%5,381
Return on Equity (ROE)3.8198%5,224
Retained earnings to average equity (ytd only)3.8198%3,751
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.6008%1,794
Assets per employee ($millions)3.7253%4,406
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.9556%5,541
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,288
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets68.4449%2,337
Net loans and leases to deposits81.6128%2,298
Net loans and leases to core deposits88.8928%2,222
Total domestic deposits to total assets83.8654%3,970
Equity capital to assets15.1557%666
Core capital (leverage) ratio16.7492%385
Tier 1 risk-based capital ratio21.9242%1,269
Total risk-based capital ratio22.8517%1,304
Memoranda:
Average total assets$52,197,6705,851
Average earning assets$48,732,0005,818
Average equity$6,335,3305,651
Average total loans$35,367,3305,446
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0920%3,313
Cost of funding earning assets0.4160%3,805
Net interest margin3.6760%2,962
Noninterest income to average assets0.2304%5,510
Noninterest expense to average assets3.0185%2,803
Loan and lease loss provision to assets0.1748%1,384
Net operating income to assets0.4766%4,804
Return on assets (ROA)0.4766%4,881
Pretax return on assets0.4766%5,238
Return on Equity (ROE)4.5554%4,763
Retained earnings to average equity (ytd only)4.5554%3,390
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.2511%1,893
Assets per employee ($millions)4.6460%2,731
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.9597%5,667
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,361
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets67.6457%2,275
Net loans and leases to deposits80.0292%2,289
Net loans and leases to core deposits87.2124%2,175
Total domestic deposits to total assets84.5263%4,076
Equity capital to assets10.4841%3,257
Core capital (leverage) ratio11.0692%2,331
Tier 1 risk-based capital ratio15.3235%3,540
Total risk-based capital ratio16.2353%3,668
Memoranda:
Average total assets$50,356,5005,953
Average earning assets$47,116,5005,917
Average equity$5,268,5005,932
Average total loans$33,743,0005,557
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7746%4,897
Cost of funding earning assets0.4329%4,290
Net interest margin3.3417%4,513
Noninterest income to average assets0.2369%5,654
Noninterest expense to average assets2.8433%3,559
Loan and lease loss provision to assets0.2567%1,400
Net operating income to assets0.2194%5,779
Return on assets (ROA)0.2391%5,784
Pretax return on assets0.2391%5,868
Return on Equity (ROE)2.0653%5,821
Retained earnings to average equity (ytd only)2.0653%4,771
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.6576%1,443
Assets per employee ($millions)4.5097%2,883
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.9607%5,722
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,461
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets65.0453%2,854
Net loans and leases to deposits72.7193%3,426
Net loans and leases to core deposits79.0490%3,234
Total domestic deposits to total assets89.4471%1,363
Equity capital to assets10.4401%3,236
Core capital (leverage) ratio11.2973%2,124
Tier 1 risk-based capital ratio15.7039%3,248
Total risk-based capital ratio16.5876%3,412
Memoranda:
Average total assets$45,581,0006,133
Average earning assets$42,044,2006,109
Average equity$5,277,6005,999
Average total loans$25,425,4005,958
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6835%5,209
Cost of funding earning assets0.4335%4,467
Net interest margin3.2500%4,829
Noninterest income to average assets0.2303%5,783
Noninterest expense to average assets2.8506%3,485
Loan and lease loss provision to assets0.2393%1,507
Net operating income to assets0.1226%6,092
Return on assets (ROA)0.1226%6,161
Pretax return on assets0.1226%6,189
Return on Equity (ROE)1.0311%6,176
Retained earnings to average equity (ytd only)1.0311%5,568
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.7337%1,108
Assets per employee ($millions)4.3428%3,155
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.9616%5,876
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,542
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets59.5026%3,776
Net loans and leases to deposits69.9382%3,793
Net loans and leases to core deposits76.6276%3,551
Total domestic deposits to total assets85.0788%3,702
Equity capital to assets10.6089%3,152
Core capital (leverage) ratio11.8212%1,799
Tier 1 risk-based capital ratio17.1819%2,633
Total risk-based capital ratio18.0463%2,761
Memoranda:
Average total assets$44,574,5006,235
Average earning assets$40,902,0006,213
Average equity$5,302,2506,060
Average total loans$23,636,7506,108
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5648%5,544
Cost of funding earning assets0.4387%4,562
Net interest margin3.1261%5,202
Noninterest income to average assets0.2298%5,803
Noninterest expense to average assets2.9419%3,195
Loan and lease loss provision to assets0.1609%2,317
Net operating income to assets-0.0230%6,327
Return on assets (ROA)-0.0230%6,384
Pretax return on assets-0.0230%6,376
Return on Equity (ROE)-0.1859%6,380
Retained earnings to average equity (ytd only)-0.1859%5,888
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.5224%680
Assets per employee ($millions)4.5717%2,690
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.8770%6,198
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,597
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets57.1100%4,121
Net loans and leases to deposits67.9161%4,028
Net loans and leases to core deposits71.3400%4,131
Total domestic deposits to total assets84.0891%4,282
Equity capital to assets11.4312%2,353
Core capital (leverage) ratio12.8595%1,218
Tier 1 risk-based capital ratio18.1958%2,251
Total risk-based capital ratio18.9696%2,394
Memoranda:
Average total assets$43,509,0006,301
Average earning assets$39,666,0006,291
Average equity$5,380,3306,085
Average total loans$21,948,6706,224
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4176%5,902
Cost of funding earning assets0.4599%4,486
Net interest margin2.9577%5,685
Noninterest income to average assets0.2264%5,846
Noninterest expense to average assets3.0185%2,927
Loan and lease loss provision to assets0.0472%3,828
Net operating income to assets-0.1698%6,496
Return on assets (ROA)-0.1698%6,538
Pretax return on assets-0.1698%6,529
Return on Equity (ROE)-1.3193%6,522
Retained earnings to average equity (ytd only)-1.3193%5,998
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio104.2345%436
Assets per employee ($millions)4.0142%3,915
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.9917%6,012
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,664
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets49.9925%4,994
Net loans and leases to deposits57.8145%5,060
Net loans and leases to core deposits61.0545%5,051
Total domestic deposits to total assets86.4705%3,257
Equity capital to assets13.4448%1,232
Core capital (leverage) ratio12.9434%1,137
Tier 1 risk-based capital ratio21.9674%1,338
Total risk-based capital ratio22.7834%1,389
Memoranda:
Average total assets$42,405,0006,392
Average earning assets$38,273,0006,394
Average equity$5,457,5006,113
Average total loans$19,753,0006,372
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4479%6,421
Cost of funding earning assets0.5700%4,644
Net interest margin2.8779%6,262
Noninterest income to average assets0.2078%5,928
Noninterest expense to average assets3.2867%2,382
Loan and lease loss provision to assets0.1952%3,192
Net operating income to assets-0.6959%6,645
Return on assets (ROA)0.0951%6,163
Pretax return on assets0.0951%6,170
Return on Equity (ROE)0.6999%6,187
Retained earnings to average equity (ytd only)0.6999%5,520
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio117.9695%230
Assets per employee ($millions)4.4668%3,022
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.0189%5,898
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,725
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets42.6278%5,938
Net loans and leases to deposits48.7868%6,054
Net loans and leases to core deposits51.5639%6,047
Total domestic deposits to total assets87.3757%2,592
Equity capital to assets12.3534%1,823
Core capital (leverage) ratio13.4792%955
Tier 1 risk-based capital ratio22.6351%1,166
Total risk-based capital ratio23.4533%1,199
Memoranda:
Average total assets$39,948,8006,502
Average earning assets$35,790,2006,508
Average equity$5,429,2006,170
Average total loans$14,862,2006,665
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4569%6,556
Cost of funding earning assets0.6060%4,583
Net interest margin2.8509%6,433
Noninterest income to average assets0.2029%6,076
Noninterest expense to average assets3.4597%1,860
Loan and lease loss provision to assets0.1444%3,726
Net operating income to assets-0.8288%6,817
Return on assets (ROA)-0.7772%6,826
Pretax return on assets-0.7772%6,801
Return on Equity (ROE)-5.5730%6,739
Retained earnings to average equity (ytd only)-5.5730%6,650
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio124.6592%172
Assets per employee ($millions)3.9173%4,044
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.9666%6,204
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,825
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets41.8477%6,141
Net loans and leases to deposits49.1058%6,183
Net loans and leases to core deposits52.4006%6,157
Total domestic deposits to total assets85.2194%3,653
Equity capital to assets14.1092%1,117
Core capital (leverage) ratio13.3477%1,058
Tier 1 risk-based capital ratio24.5324%949
Total risk-based capital ratio25.2939%998
Memoranda:
Average total assets$38,769,0006,625
Average earning assets$34,982,2506,618
Average equity$5,407,0006,240
Average total loans$13,768,5006,795
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4413%6,683
Cost of funding earning assets0.6580%4,374
Net interest margin2.7834%6,609
Noninterest income to average assets0.2019%6,111
Noninterest expense to average assets3.6393%1,490
Loan and lease loss provision to assets0.1035%4,232
Net operating income to assets-1.0664%6,926
Return on assets (ROA)-1.0664%6,942
Pretax return on assets-1.0664%6,912
Return on Equity (ROE)-7.6765%6,853
Retained earnings to average equity (ytd only)-7.6765%6,750
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio135.9768%138
Assets per employee ($millions)4.1741%3,510
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.0460%5,979
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets34.7512%6,680
Net loans and leases to deposits40.8838%6,700
Net loans and leases to core deposits43.7544%6,672
Total domestic deposits to total assets85.0001%3,863
Equity capital to assets14.4701%925
Core capital (leverage) ratio13.7803%872
Tier 1 risk-based capital ratio29.0716%567
Total risk-based capital ratio29.8471%587
Memoranda:
Average total assets$38,634,3306,669
Average earning assets$34,347,0006,674
Average equity$5,367,0006,279
Average total loans$12,840,3306,891
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4475%6,757
Cost of funding earning assets0.7036%4,247
Net interest margin2.7439%6,724
Noninterest income to average assets0.2145%6,086
Noninterest expense to average assets3.6765%1,416
Loan and lease loss provision to assets0.2145%2,807
Net operating income to assets-1.2868%7,048
Return on assets (ROA)-1.2868%7,063
Pretax return on assets-1.2868%7,037
Return on Equity (ROE)-9.4515%6,979
Retained earnings to average equity (ytd only)-9.4515%6,822
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio141.1765%130
Assets per employee ($millions)4.2388%3,509
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.0046%6,229
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,966
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets35.9066%6,627
Net loans and leases to deposits41.7139%6,673
Net loans and leases to core deposits44.5507%6,637
Total domestic deposits to total assets86.0783%3,485
Equity capital to assets13.7566%1,109
Core capital (leverage) ratio13.3822%992
Tier 1 risk-based capital ratio27.6997%667
Total risk-based capital ratio28.4288%697
Memoranda:
Average total assets$39,168,0006,711
Average earning assets$34,112,0006,733
Average equity$5,332,5006,322
Average total loans$12,664,0006,950
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0878%7,154
Cost of funding earning assets0.7634%5,114
Net interest margin2.3244%7,137
Noninterest income to average assets0.2027%6,051
Noninterest expense to average assets3.7923%1,361
Loan and lease loss provision to assets0.0921%5,441
Net operating income to assets-1.5967%6,927
Return on assets (ROA)-1.0870%6,805
Pretax return on assets-1.0870%6,770
Return on Equity (ROE)-6.3745%6,603
Retained earnings to average equity (ytd only)-6.3745%6,533
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio165.7718%105
Assets per employee ($millions)4.0187%3,811
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.0269%6,090
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,026
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets28.3002%7,054
Net loans and leases to deposits32.7780%7,077
Net loans and leases to core deposits36.0156%7,035
Total domestic deposits to total assets86.3389%3,121
Equity capital to assets13.4795%1,274
Core capital (leverage) ratio14.5230%708
Tier 1 risk-based capital ratio32.0766%422
Total risk-based capital ratio32.7828%438
Memoranda:
Average total assets$32,566,2006,906
Average earning assets$29,212,2006,894
Average equity$5,553,4006,274
Average total loans$9,857,2007,120
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1582%7,221
Cost of funding earning assets0.7754%5,310
Net interest margin2.3828%7,183
Noninterest income to average assets0.2131%6,092
Noninterest expense to average assets3.6571%1,587
Loan and lease loss provision to assets0.1305%4,798
Net operating income to assets-1.3828%7,011
Return on assets (ROA)-1.3828%7,029
Pretax return on assets-1.3828%6,991
Return on Equity (ROE)-7.5882%6,796
Retained earnings to average equity (ytd only)-7.5882%6,744
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio152.0796%130
Assets per employee ($millions)3.9056%4,057
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.2004%5,462
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,097
Noncurrent loans to loans0.0000%6,971
Net loans and leases to total assets27.6302%7,162
Net loans and leases to deposits33.0374%7,156
Net loans and leases to core deposits36.2537%7,113
Total domestic deposits to total assets83.6330%4,413
Equity capital to assets15.9118%642
Core capital (leverage) ratio16.0399%501
Tier 1 risk-based capital ratio35.3902%338
Total risk-based capital ratio36.1673%351
Memoranda:
Average total assets$30,661,0007,019
Average earning assets$28,201,0006,988
Average equity$5,587,5006,307
Average total loans$9,448,7507,201
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2944%7,253
Cost of funding earning assets0.7957%5,399
Net interest margin2.4987%7,188
Noninterest income to average assets0.2057%6,195
Noninterest expense to average assets3.8265%1,313
Loan and lease loss provision to assets0.1714%4,214
Net operating income to assets-1.4881%7,093
Return on assets (ROA)-1.4881%7,104
Pretax return on assets-1.4881%7,064
Return on Equity (ROE)-7.7699%6,855
Retained earnings to average equity (ytd only)-7.7699%6,761
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio152.4590%143
Assets per employee ($millions)3.5973%4,691
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.1276%5,837
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets30.6029%7,160
Net loans and leases to deposits37.0074%7,151
Net loans and leases to core deposits40.9845%7,102
Total domestic deposits to total assets82.6940%4,907
Equity capital to assets17.0867%476
Core capital (leverage) ratio18.2293%307
Tier 1 risk-based capital ratio37.8421%282
Total risk-based capital ratio38.6232%288
Memoranda:
Average total assets$29,164,6707,127
Average earning assets$26,894,3307,094
Average equity$5,585,6706,346
Average total loans$9,321,6707,276
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4683%7,225
Cost of funding earning assets0.8161%5,492
Net interest margin2.6522%7,070
Noninterest income to average assets0.1887%6,371
Noninterest expense to average assets3.7302%1,479
Loan and lease loss provision to assets0.1451%4,195
Net operating income to assets-1.2337%7,113
Return on assets (ROA)-1.2337%7,117
Pretax return on assets-1.2337%7,073
Return on Equity (ROE)-6.0579%6,871
Retained earnings to average equity (ytd only)-6.0579%6,601
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio141.2088%210
Assets per employee ($millions)4.1154%3,606
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0849%6,105
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets31.0157%7,206
Net loans and leases to deposits38.4764%7,155
Net loans and leases to core deposits41.7836%7,116
Total domestic deposits to total assets80.6096%5,790
Equity capital to assets19.2794%289
Core capital (leverage) ratio20.9467%188
Tier 1 risk-based capital ratio31.3205%463
Total risk-based capital ratio31.8679%484
Memoranda:
Average total assets$27,559,0007,220
Average earning assets$25,488,0007,186
Average equity$5,612,5006,361
Average total loans$8,972,0007,343
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9000%7,506
Cost of funding earning assets0.9203%6,079
Net interest margin1.9797%7,461
Noninterest income to average assets0.1875%6,417
Noninterest expense to average assets4.2688%841
Loan and lease loss provision to assets0.2398%4,887
Net operating income to assets-2.5203%7,179
Return on assets (ROA)-2.5203%7,197
Pretax return on assets-2.5203%7,171
Return on Equity (ROE)-9.6231%6,713
Retained earnings to average equity (ytd only)-9.6231%6,645
Net charge-offs to loans0.0312%6,491
Credit loss provision to net charge-offs2,750.0000%87
Earnings coverage of net charge-offs (x)-261.5000%6,846
Efficiency ratio214.6930%77
Assets per employee ($millions)3.7586%4,349
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.9875%6,438
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets33.5348%7,243
Net loans and leases to deposits42.8738%7,155
Net loans and leases to core deposits47.5813%7,091
Total domestic deposits to total assets78.2174%6,272
Equity capital to assets21.5545%192
Core capital (leverage) ratio21.5598%181
Tier 1 risk-based capital ratio45.2608%171
Total risk-based capital ratio45.9606%173
Memoranda:
Average total assets$22,934,0007,398
Average earning assets$20,862,2007,381
Average equity$6,006,4006,365
Average total loans$6,403,8007,515
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7679%7,651
Cost of funding earning assets0.9204%6,309
Net interest margin1.8475%7,621
Noninterest income to average assets0.1871%6,547
Noninterest expense to average assets4.2009%825
Loan and lease loss provision to assets0.2716%4,413
Net operating income to assets-2.6135%7,378
Return on assets (ROA)-2.6135%7,396
Pretax return on assets-2.6135%7,350
Return on Equity (ROE)-9.4794%6,904
Retained earnings to average equity (ytd only)-9.4794%6,849
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio225.9740%56
Assets per employee ($millions)3.6831%4,545
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.0748%6,042
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets28.5587%7,497
Net loans and leases to deposits37.2678%7,444
Net loans and leases to core deposits41.5261%7,392
Total domestic deposits to total assets76.6310%6,551
Equity capital to assets22.9773%168
Core capital (leverage) ratio23.6050%143
Tier 1 risk-based capital ratio31.7352%444
Total risk-based capital ratio32.1711%471
Memoranda:
Average total assets$22,090,0007,512
Average earning assets$19,990,2507,493
Average equity$6,090,2506,421
Average total loans$5,777,0007,635
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7146%7,735
Cost of funding earning assets0.9405%6,423
Net interest margin1.7741%7,699
Noninterest income to average assets0.1918%6,524
Noninterest expense to average assets4.4201%633
Loan and lease loss provision to assets0.2876%4,094
Net operating income to assets-2.9244%7,495
Return on assets (ROA)-2.9244%7,504
Pretax return on assets-2.9244%7,451
Return on Equity (ROE)-9.9257%6,965
Retained earnings to average equity (ytd only)-9.9257%6,914
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio247.8495%58
Assets per employee ($millions)3.3799%5,240
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.8879%6,799
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets30.6691%7,517
Net loans and leases to deposits41.3659%7,407
Net loans and leases to core deposits47.5025%7,304
Total domestic deposits to total assets74.1409%6,957
Equity capital to assets25.5125%129
Core capital (leverage) ratio25.9269%119
Tier 1 risk-based capital ratio51.8154%148
Total risk-based capital ratio52.3814%150
Memoranda:
Average total assets$20,859,3307,604
Average earning assets$18,713,3307,593
Average equity$6,145,6706,422
Average total loans$5,221,6707,717
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6720%7,842
Cost of funding earning assets0.9444%6,600
Net interest margin1.7276%7,794
Noninterest income to average assets0.1644%6,795
Noninterest expense to average assets4.7894%440
Loan and lease loss provision to assets0.3083%3,576
Net operating income to assets-3.3917%7,671
Return on assets (ROA)-3.3917%7,673
Pretax return on assets-3.3917%7,631
Return on Equity (ROE)-10.6443%7,158
Retained earnings to average equity (ytd only)-10.6443%6,997
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio280.7229%49
Assets per employee ($millions)3.0937%6,011
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.1320%5,853
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets20.1653%7,782
Net loans and leases to deposits28.2288%7,752
Net loans and leases to core deposits28.2288%7,764
Total domestic deposits to total assets71.4352%7,317
Equity capital to assets28.3109%101
Core capital (leverage) ratio30.0148%86
Tier 1 risk-based capital ratio43.0631%209
Total risk-based capital ratio43.4165%221
Memoranda:
Average total assets$19,459,5007,733
Average earning assets$17,365,5007,722
Average equity$6,200,5006,454
Average total loans$4,172,0007,840
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.2620%7,961
Cost of funding earning assets0.3434%7,888
Net interest margin0.9186%7,937
Noninterest income to average assets0.0659%7,418
Noninterest expense to average assets15.7775%56
Loan and lease loss provision to assets0.2564%5,344
Net operating income to assets-15.1842%7,997
Return on assets (ROA)-15.1842%7,997
Pretax return on assets-15.1842%7,998
Return on Equity (ROE)-32.2680%7,441
Retained earnings to average equity (ytd only)-32.2680%7,425
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio1,856.8966%7
Assets per employee ($millions)2.4661%7,256
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.8913%6,852
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets22.5453%7,832
Net loans and leases to deposits35.5889%7,733
Net loans and leases to core deposits50.3232%7,582
Total domestic deposits to total assets63.3494%7,724
Equity capital to assets36.3205%74
Core capital (leverage) ratio44.2566%56
Tier 1 risk-based capital ratio82.0913%73
Total risk-based capital ratio82.5505%73
Memoranda:
Average total assets$13,652,3307,925
Average earning assets$11,648,3307,922
Average equity$6,424,3306,453
Average total loans$2,558,0007,944
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.8212%8,070
Cost of funding earning assets0.2558%8,015
Net interest margin0.5654%8,050
Noninterest income to average assets0.0450%7,668
Noninterest expense to average assets21.5746%49
Loan and lease loss provision to assets0.2251%5,169
Net operating income to assets-21.2819%8,089
Return on assets (ROA)-21.2819%8,088
Pretax return on assets-21.2819%8,088
Return on Equity (ROE)-38.7798%7,742
Retained earnings to average equity (ytd only)-38.7798%7,734
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio4,167.3913%4
Assets per employee ($millions)1.8200%7,886
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.6592%7,469
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets23.6578%7,904
Net loans and leases to deposits47.9173%7,497
Net loans and leases to core deposits62.2213%7,320
Total domestic deposits to total assets49.3721%7,982
Equity capital to assets50.4003%50
Core capital (leverage) ratio53.0126%50
Tier 1 risk-based capital ratio106.2800%59
Total risk-based capital ratio106.6114%59
Memoranda:
Average total assets$11,847,0008,030
Average earning assets$9,904,0008,027
Average equity$6,501,5006,485
Average total loans$1,873,5008,033
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.2419%8,183
Cost of funding earning assets0.1540%8,136
Net interest margin0.0880%8,175
Noninterest income to average assets0.0183%7,875
Noninterest expense to average assets31.4041%37
Loan and lease loss provision to assets0.0365%6,876
Net operating income to assets-31.3493%8,189
Return on assets (ROA)-31.3493%8,190
Pretax return on assets-31.3493%8,190
Return on Equity (ROE)-52.1726%7,927
Retained earnings to average equity (ytd only)-52.1726%7,924
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio34,400.0000%1
Assets per employee ($millions)1.5649%8,059
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.2805%8,003
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets6.4908%8,120
Net loans and leases to deposits16.3036%8,100
Net loans and leases to core deposits21.1544%8,083
Total domestic deposits to total assets39.8119%8,098
Equity capital to assets60.0876%48
Core capital (leverage) ratio67.4178%38
Tier 1 risk-based capital ratio171.9436%42
Total risk-based capital ratio171.9436%42
Memoranda:
Average total assets$10,954,0008,134
Average earning assets$9,093,0008,127
Average equity$6,582,0006,504
Average total loans$713,0008,130