Home > The Bank of Beaver City > Performance and Condition Ratios

The Bank of Beaver City, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7176%2,638
Cost of funding earning assets1.6165%1,646
Net interest margin3.1012%3,094
Noninterest income to average assets0.5300%1,829
Noninterest expense to average assets2.7513%1,626
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.6436%3,327
Return on assets (ROA)0.6084%3,409
Pretax return on assets0.6084%3,614
Return on Equity (ROE)15.3800%1,213
Retained earnings to average equity (ytd only)-0.5941%4,152
Net charge-offs to loans0.1081%860
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)11.4396%2,192
Efficiency ratio81.0417%848
Assets per employee ($millions)6.5638%2,373
Cash dividends to net income (ytd only)*103.8618%228
Condition Ratios (%)
Loss allowance to loans1.6196%804
Loan loss allowance to noncurrent loans166.4360%2,726
Noncurrent assets plus other real estate owned to assets0.5284%1,062
Noncurrent loans to loans0.9731%762
Net loans and leases to total assets53.4200%3,391
Net loans and leases to deposits61.6619%3,427
Net loans and leases to core deposits67.1197%3,448
Total domestic deposits to total assets86.6300%1,810
Equity capital to assets4.3530%4,481
Core capital (leverage) ratio8.8912%3,828
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9142%1,290
Memoranda:
Average total assets$161,742,8003,264
Average earning assets$149,524,8003,251
Average equity$6,396,4004,122
Average total loans$84,209,4003,362
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6803%2,510
Cost of funding earning assets1.5414%1,502
Net interest margin3.1389%3,054
Noninterest income to average assets0.5400%1,768
Noninterest expense to average assets2.7451%1,554
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.7082%3,304
Return on assets (ROA)0.6610%3,393
Pretax return on assets0.6610%3,620
Return on Equity (ROE)17.1600%1,052
Retained earnings to average equity (ytd only)-3.5213%4,381
Net charge-offs to loans-0.0241%4,181
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio79.4921%891
Assets per employee ($millions)6.6246%2,230
Cash dividends to net income (ytd only)*120.5257%123
Condition Ratios (%)
Loss allowance to loans1.7804%590
Loan loss allowance to noncurrent loans169.4748%2,698
Noncurrent assets plus other real estate owned to assets0.5749%1,016
Noncurrent loans to loans1.0505%767
Net loans and leases to total assets53.7500%3,380
Net loans and leases to deposits59.1454%3,547
Net loans and leases to core deposits64.0775%3,521
Total domestic deposits to total assets90.8800%701
Equity capital to assets3.1423%4,482
Core capital (leverage) ratio8.8944%3,870
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$161,154,7503,279
Average earning assets$149,729,5003,264
Average equity$6,209,7504,147
Average total loans$82,987,7503,382
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6304%2,347
Cost of funding earning assets1.4874%1,266
Net interest margin3.1430%3,126
Noninterest income to average assets0.5400%1,717
Noninterest expense to average assets2.6909%1,663
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.7808%3,141
Return on assets (ROA)0.7104%3,323
Pretax return on assets0.7104%3,584
Return on Equity (ROE)17.3900%1,034
Retained earnings to average equity (ytd only)5.1706%2,898
Net charge-offs to loans0.0196%1,501
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)79.0000%1,057
Efficiency ratio77.5089%1,038
Assets per employee ($millions)6.7388%2,110
Cash dividends to net income (ytd only)*70.2609%748
Condition Ratios (%)
Loss allowance to loans1.8486%547
Loan loss allowance to noncurrent loans151.3889%2,902
Noncurrent assets plus other real estate owned to assets0.6307%845
Noncurrent loans to loans1.2211%578
Net loans and leases to total assets50.1000%3,555
Net loans and leases to deposits54.1951%3,737
Net loans and leases to core deposits57.9454%3,723
Total domestic deposits to total assets92.4400%333
Equity capital to assets3.9937%4,505
Core capital (leverage) ratio8.6598%4,039
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$161,876,3333,274
Average earning assets$151,001,3333,264
Average equity$6,614,3334,116
Average total loans$81,649,0003,395
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2852%2,836
Cost of funding earning assets1.1658%1,547
Net interest margin3.1194%3,305
Noninterest income to average assets0.5500%1,626
Noninterest expense to average assets2.5638%2,068
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.9213%2,786
Return on assets (ROA)0.7805%3,207
Pretax return on assets0.7805%3,506
Return on Equity (ROE)18.8900%900
Retained earnings to average equity (ytd only)11.8350%1,301
Net charge-offs to loans-0.0049%3,630
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio73.5648%1,382
Assets per employee ($millions)6.9336%2,022
Cash dividends to net income (ytd only)*37.3418%1,531
Condition Ratios (%)
Loss allowance to loans1.8896%550
Loan loss allowance to noncurrent loans154.4266%2,936
Noncurrent assets plus other real estate owned to assets0.5973%852
Noncurrent loans to loans1.2237%562
Net loans and leases to total assets47.8900%3,642
Net loans and leases to deposits52.0290%3,793
Net loans and leases to core deposits55.7384%3,754
Total domestic deposits to total assets92.0500%500
Equity capital to assets4.1777%4,529
Core capital (leverage) ratio9.3826%3,310
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$161,949,5003,323
Average earning assets$152,338,5003,296
Average equity$6,692,0004,160
Average total loans$81,198,0003,435
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6882%2,557
Cost of funding earning assets0.4656%1,612
Net interest margin3.2226%2,799
Noninterest income to average assets0.5100%2,035
Noninterest expense to average assets2.7298%1,490
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.8007%3,324
Return on assets (ROA)0.7878%3,298
Pretax return on assets0.7878%3,657
Return on Equity (ROE)13.2900%1,713
Retained earnings to average equity (ytd only)-0.6503%4,414
Net charge-offs to loans0.0014%2,512
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)1,246.0000%141
Efficiency ratio77.3207%900
Assets per employee ($millions)6.8475%2,083
Cash dividends to net income (ytd only)*104.8940%174
Condition Ratios (%)
Loss allowance to loans1.8900%548
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets50.5600%3,464
Net loans and leases to deposits55.3786%3,605
Net loans and leases to core deposits59.7347%3,521
Total domestic deposits to total assets91.3000%839
Equity capital to assets4.0840%4,508
Core capital (leverage) ratio9.6312%3,014
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$155,617,0003,384
Average earning assets$145,844,0003,363
Average equity$9,226,0003,971
Average total loans$71,884,4003,545
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5305%2,522
Cost of funding earning assets0.3446%1,750
Net interest margin3.1859%2,669
Noninterest income to average assets0.5000%2,161
Noninterest expense to average assets2.7165%1,435
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.7631%3,377
Return on assets (ROA)0.7468%3,376
Pretax return on assets0.7468%3,702
Return on Equity (ROE)11.6700%2,147
Retained earnings to average equity (ytd only)-2.3242%4,506
Net charge-offs to loans0.0096%1,771
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)177.6000%668
Efficiency ratio78.0687%906
Assets per employee ($millions)6.7891%2,104
Cash dividends to net income (ytd only)*119.9079%142
Condition Ratios (%)
Loss allowance to loans1.9886%512
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets48.2900%3,598
Net loans and leases to deposits51.9664%3,733
Net loans and leases to core deposits55.9276%3,633
Total domestic deposits to total assets92.9300%598
Equity capital to assets3.7202%4,510
Core capital (leverage) ratio9.5564%3,011
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$155,148,2503,416
Average earning assets$145,094,0003,401
Average equity$9,924,5003,925
Average total loans$69,564,5003,596
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3481%2,581
Cost of funding earning assets0.2729%1,991
Net interest margin3.0752%2,623
Noninterest income to average assets0.4832%2,294
Noninterest expense to average assets2.6974%1,396
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.6679%3,420
Return on assets (ROA)0.6485%3,426
Pretax return on assets0.6485%3,720
Return on Equity (ROE)8.8878%2,736
Retained earnings to average equity (ytd only)-0.1239%4,192
Net charge-offs to loans0.0060%1,784
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)258.5000%454
Efficiency ratio80.1536%934
Assets per employee ($millions)6.7098%2,165
Cash dividends to net income (ytd only)*101.3944%365
Condition Ratios (%)
Loss allowance to loans2.1707%399
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets44.7689%3,773
Net loans and leases to deposits48.5476%3,894
Net loans and leases to core deposits52.2234%3,808
Total domestic deposits to total assets92.2165%754
Equity capital to assets4.6369%4,542
Core capital (leverage) ratio9.8239%2,589
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$154,814,6673,456
Average earning assets$145,096,3333,445
Average equity$11,296,3333,851
Average total loans$67,106,0003,670
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2258%2,613
Cost of funding earning assets0.2532%2,119
Net interest margin2.9726%2,593
Noninterest income to average assets0.4618%2,345
Noninterest expense to average assets2.6571%1,460
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.5907%3,423
Return on assets (ROA)0.5520%3,525
Pretax return on assets0.5520%3,746
Return on Equity (ROE)6.4041%3,216
Retained earnings to average equity (ytd only)3.8903%2,971
Net charge-offs to loans0.0428%855
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)32.7143%1,093
Efficiency ratio81.8110%994
Assets per employee ($millions)6.5113%2,373
Cash dividends to net income (ytd only)*39.2523%1,519
Condition Ratios (%)
Loss allowance to loans2.4280%305
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets39.2930%4,054
Net loans and leases to deposits42.7893%4,125
Net loans and leases to core deposits45.7413%4,085
Total domestic deposits to total assets91.8290%647
Equity capital to assets7.3871%3,997
Core capital (leverage) ratio9.7368%2,555
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$155,059,0003,471
Average earning assets$145,328,0003,459
Average equity$13,366,5003,721
Average total loans$65,347,5003,712
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9919%1,375
Cost of funding earning assets0.3161%2,234
Net interest margin3.6758%1,274
Noninterest income to average assets0.4919%2,609
Noninterest expense to average assets2.7323%1,541
Loan and lease loss provision to assets0.4545%133
Net operating income to assets0.7325%3,537
Return on assets (ROA)0.7018%3,678
Pretax return on assets0.7018%3,925
Return on Equity (ROE)6.6128%3,619
Retained earnings to average equity (ytd only)0.2834%4,420
Net charge-offs to loans0.0271%1,698
Credit loss provision to net charge-offs3,578.9474%188
Earnings coverage of net charge-offs (x)93.4737%905
Efficiency ratio69.7135%1,772
Assets per employee ($millions)6.9930%1,931
Cash dividends to net income (ytd only)*95.7143%262
Condition Ratios (%)
Loss allowance to loans2.2652%407
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets43.0482%3,908
Net loans and leases to deposits48.0732%3,990
Net loans and leases to core deposits51.7031%3,913
Total domestic deposits to total assets89.5473%1,213
Equity capital to assets9.8729%2,781
Core capital (leverage) ratio9.9978%2,376
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$149,618,0003,487
Average earning assets$139,506,2003,478
Average equity$15,878,4003,552
Average total loans$70,034,4003,646
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1731%1,143
Cost of funding earning assets0.3300%2,300
Net interest margin3.8431%1,034
Noninterest income to average assets0.5062%2,599
Noninterest expense to average assets2.7517%1,460
Loan and lease loss provision to assets0.2874%283
Net operating income to assets1.0527%2,719
Return on assets (ROA)1.0698%2,718
Pretax return on assets1.0698%3,269
Return on Equity (ROE)9.9017%2,772
Retained earnings to average equity (ytd only)3.2230%3,820
Net charge-offs to loans0.0302%1,447
Credit loss provision to net charge-offs2,000.0000%325
Earnings coverage of net charge-offs (x)93.3125%905
Efficiency ratio67.2516%1,932
Assets per employee ($millions)6.6228%2,155
Cash dividends to net income (ytd only)*67.4497%641
Condition Ratios (%)
Loss allowance to loans1.7187%1,074
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets44.2242%3,939
Net loans and leases to deposits50.6196%3,976
Net loans and leases to core deposits54.6555%3,874
Total domestic deposits to total assets87.3657%2,176
Equity capital to assets10.6851%2,274
Core capital (leverage) ratio10.3296%2,199
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$148,561,0003,527
Average earning assets$138,600,0003,521
Average equity$16,050,7503,582
Average total loans$70,602,2503,689
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2563%1,083
Cost of funding earning assets0.3640%2,189
Net interest margin3.8923%985
Noninterest income to average assets0.5173%2,547
Noninterest expense to average assets2.7684%1,423
Loan and lease loss provision to assets0.3123%267
Net operating income to assets1.0658%2,660
Return on assets (ROA)1.0930%2,645
Pretax return on assets1.0930%3,239
Return on Equity (ROE)10.0778%2,715
Retained earnings to average equity (ytd only)6.2846%2,702
Net charge-offs to loans-0.0028%3,269
Credit loss provision to net charge-offs-23,000.0000%4,101
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.7649%2,047
Assets per employee ($millions)6.1629%2,470
Cash dividends to net income (ytd only)*37.6398%1,716
Condition Ratios (%)
Loss allowance to loans1.5696%1,356
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets46.8498%3,841
Net loans and leases to deposits52.9770%3,933
Net loans and leases to core deposits57.1067%3,826
Total domestic deposits to total assets88.4341%1,601
Equity capital to assets10.9155%2,051
Core capital (leverage) ratio10.3351%2,088
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$147,306,6673,548
Average earning assets$137,348,6673,546
Average equity$15,975,6673,592
Average total loans$71,289,0003,702
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6221%2,574
Cost of funding earning assets0.3924%2,156
Net interest margin3.2297%2,605
Noninterest income to average assets0.5224%2,514
Noninterest expense to average assets2.7890%1,391
Loan and lease loss provision to assets0.2993%313
Net operating income to assets0.4354%4,294
Return on assets (ROA)0.4898%4,233
Pretax return on assets0.4898%4,368
Return on Equity (ROE)4.5309%4,180
Retained earnings to average equity (ytd only)2.4165%3,928
Net charge-offs to loans-0.0056%3,433
Credit loss provision to net charge-offs-11,000.0000%3,805
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.1506%881
Assets per employee ($millions)6.4753%2,195
Cash dividends to net income (ytd only)*46.6667%1,197
Condition Ratios (%)
Loss allowance to loans1.3416%2,246
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets46.6108%3,915
Net loans and leases to deposits52.1434%4,038
Net loans and leases to core deposits56.6105%3,934
Total domestic deposits to total assets89.3897%1,130
Equity capital to assets9.9970%2,711
Core capital (leverage) ratio10.2673%2,274
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$147,005,5003,554
Average earning assets$136,606,0003,555
Average equity$15,891,0003,607
Average total loans$71,733,5003,702
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4361%1,477
Cost of funding earning assets0.5772%2,468
Net interest margin3.8589%1,335
Noninterest income to average assets0.9134%1,231
Noninterest expense to average assets3.7391%503
Loan and lease loss provision to assets0.3504%986
Net operating income to assets0.3631%4,321
Return on assets (ROA)0.7233%3,489
Pretax return on assets0.7233%3,832
Return on Equity (ROE)6.1496%3,532
Retained earnings to average equity (ytd only)0.6875%4,319
Net charge-offs to loans0.8469%166
Credit loss provision to net charge-offs73.1250%3,030
Earnings coverage of net charge-offs (x)1.4891%3,251
Efficiency ratio83.9751%633
Assets per employee ($millions)5.5442%2,798
Cash dividends to net income (ytd only)*88.8199%435
Condition Ratios (%)
Loss allowance to loans1.2478%2,701
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets49.9058%3,833
Net loans and leases to deposits56.9781%3,945
Net loans and leases to core deposits61.4322%3,862
Total domestic deposits to total assets87.5877%1,665
Equity capital to assets11.7211%1,719
Core capital (leverage) ratio11.0244%1,781
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$133,563,2003,580
Average earning assets$122,496,2003,597
Average equity$15,708,4003,585
Average total loans$75,565,8003,634
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4193%1,804
Cost of funding earning assets0.6198%2,485
Net interest margin3.7996%1,621
Noninterest income to average assets1.0299%979
Noninterest expense to average assets3.9373%400
Loan and lease loss provision to assets0.3205%1,237
Net operating income to assets0.2691%4,493
Return on assets (ROA)0.7538%3,379
Pretax return on assets0.7538%3,769
Return on Equity (ROE)6.4037%3,407
Retained earnings to average equity (ytd only)0.3424%4,421
Net charge-offs to loans1.1107%121
Credit loss provision to net charge-offs49.6100%2,888
Earnings coverage of net charge-offs (x)0.9126%3,109
Efficiency ratio86.9768%461
Assets per employee ($millions)5.3796%2,815
Cash dividends to net income (ytd only)*94.6524%366
Condition Ratios (%)
Loss allowance to loans0.9372%3,945
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2662%3,111
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets56.8240%3,543
Net loans and leases to deposits66.7476%3,559
Net loans and leases to core deposits72.6894%3,416
Total domestic deposits to total assets85.1326%2,382
Equity capital to assets11.9140%1,732
Core capital (leverage) ratio11.1939%1,762
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$132,302,7503,587
Average earning assets$121,765,5003,595
Average equity$15,574,0003,602
Average total loans$76,945,7503,630
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4744%1,994
Cost of funding earning assets0.6648%2,593
Net interest margin3.8095%1,812
Noninterest income to average assets0.7676%1,532
Noninterest expense to average assets3.8792%467
Loan and lease loss provision to assets0.2554%1,658
Net operating income to assets0.1520%4,631
Return on assets (ROA)0.8832%2,878
Pretax return on assets0.8832%3,362
Return on Equity (ROE)7.5336%2,924
Retained earnings to average equity (ytd only)3.5269%3,164
Net charge-offs to loans1.6623%79
Credit loss provision to net charge-offs26.2911%2,714
Earnings coverage of net charge-offs (x)0.4194%2,921
Efficiency ratio90.4965%376
Assets per employee ($millions)5.4896%2,648
Cash dividends to net income (ytd only)*53.1842%1,448
Condition Ratios (%)
Loss allowance to loans0.7383%4,492
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2609%3,268
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets56.3273%3,660
Net loans and leases to deposits64.4159%3,852
Net loans and leases to core deposits70.8007%3,652
Total domestic deposits to total assets87.4431%1,436
Equity capital to assets11.7321%1,816
Core capital (leverage) ratio11.3289%1,750
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$131,574,0003,582
Average earning assets$121,536,6673,583
Average equity$15,424,3333,613
Average total loans$76,879,3333,632
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4834%2,355
Cost of funding earning assets0.7250%2,805
Net interest margin3.7585%2,115
Noninterest income to average assets0.5313%2,383
Noninterest expense to average assets3.2375%1,345
Loan and lease loss provision to assets0.1585%1,822
Net operating income to assets0.6307%3,513
Return on assets (ROA)0.6835%3,397
Pretax return on assets0.6835%3,736
Return on Equity (ROE)5.8332%3,378
Retained earnings to average equity (ytd only)3.2348%2,985
Net charge-offs to loans0.7646%199
Credit loss provision to net charge-offs34.9315%2,125
Earnings coverage of net charge-offs (x)1.7397%2,347
Efficiency ratio80.4012%1,101
Assets per employee ($millions)5.1294%2,501
Cash dividends to net income (ytd only)*44.5455%1,773
Condition Ratios (%)
Loss allowance to loans1.2744%2,261
Loan loss allowance to noncurrent loans30.0095%4,401
Noncurrent assets plus other real estate owned to assets2.7504%230
Noncurrent loans to loans4.2467%169
Net loans and leases to total assets57.4500%3,713
Net loans and leases to deposits65.5249%3,895
Net loans and leases to core deposits72.4695%3,733
Total domestic deposits to total assets87.6765%1,240
Equity capital to assets11.5086%2,430
Core capital (leverage) ratio11.6770%1,941
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$128,741,5003,598
Average earning assets$119,729,5003,583
Average equity$15,086,0003,650
Average total loans$76,380,0003,637
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6662%2,418
Cost of funding earning assets0.8510%2,425
Net interest margin3.8152%2,454
Noninterest income to average assets0.4712%2,896
Noninterest expense to average assets3.0912%1,785
Loan and lease loss provision to assets0.1135%1,854
Net operating income to assets0.8192%3,491
Return on assets (ROA)0.8340%3,527
Pretax return on assets0.8340%3,909
Return on Equity (ROE)7.5797%3,333
Retained earnings to average equity (ytd only)1.2071%4,309
Net charge-offs to loans0.5733%321
Credit loss provision to net charge-offs33.7748%3,246
Earnings coverage of net charge-offs (x)2.7748%3,381
Efficiency ratio76.8209%1,285
Assets per employee ($millions)5.1699%2,370
Cash dividends to net income (ytd only)*84.0747%684
Condition Ratios (%)
Loss allowance to loans1.3387%1,752
Loan loss allowance to noncurrent loans237.7273%1,837
Noncurrent assets plus other real estate owned to assets0.3861%2,860
Noncurrent loans to loans0.5631%2,489
Net loans and leases to total assets59.6466%3,620
Net loans and leases to deposits68.3967%3,787
Net loans and leases to core deposits75.4288%3,615
Total domestic deposits to total assets87.2068%1,516
Equity capital to assets11.9259%2,179
Core capital (leverage) ratio11.6730%1,983
Tier 1 risk-based capital ratio16.8685%2,094
Total risk-based capital ratio18.0467%2,059
Memoranda:
Average total assets$134,768,6003,509
Average earning assets$125,497,0003,489
Average equity$14,829,0003,655
Average total loans$79,014,4003,618
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6322%2,624
Cost of funding earning assets0.8803%2,317
Net interest margin3.7519%2,743
Noninterest income to average assets0.4671%2,915
Noninterest expense to average assets3.0270%1,903
Loan and lease loss provision to assets0.0999%1,923
Net operating income to assets0.8422%3,537
Return on assets (ROA)0.8588%3,563
Pretax return on assets0.8588%3,979
Return on Equity (ROE)7.9638%3,324
Retained earnings to average equity (ytd only)0.3087%4,703
Net charge-offs to loans0.6647%242
Credit loss provision to net charge-offs25.8228%2,936
Earnings coverage of net charge-offs (x)2.4355%3,196
Efficiency ratio76.2645%1,303
Assets per employee ($millions)5.1385%2,409
Cash dividends to net income (ytd only)*96.1233%369
Condition Ratios (%)
Loss allowance to loans1.3196%1,884
Loan loss allowance to noncurrent loans190.0722%2,173
Noncurrent assets plus other real estate owned to assets0.4772%2,618
Noncurrent loans to loans0.6943%2,221
Net loans and leases to total assets61.2975%3,563
Net loans and leases to deposits70.3832%3,745
Net loans and leases to core deposits78.7204%3,489
Total domestic deposits to total assets87.0911%1,472
Equity capital to assets11.8992%2,326
Core capital (leverage) ratio11.1795%2,486
Tier 1 risk-based capital ratio16.6317%2,213
Total risk-based capital ratio17.8126%2,175
Memoranda:
Average total assets$136,148,7503,526
Average earning assets$127,079,2503,504
Average equity$14,682,7503,699
Average total loans$79,233,5003,652
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5199%2,951
Cost of funding earning assets0.8984%2,151
Net interest margin3.6215%3,187
Noninterest income to average assets0.4542%2,937
Noninterest expense to average assets2.9947%2,024
Loan and lease loss provision to assets0.0735%2,345
Net operating income to assets0.7685%3,760
Return on assets (ROA)0.8046%3,697
Pretax return on assets0.8046%4,082
Return on Equity (ROE)7.7063%3,419
Retained earnings to average equity (ytd only)2.5550%3,919
Net charge-offs to loans0.9868%144
Credit loss provision to net charge-offs13.0769%2,684
Earnings coverage of net charge-offs (x)1.4974%3,012
Efficiency ratio78.0534%1,146
Assets per employee ($millions)5.5940%1,877
Cash dividends to net income (ytd only)*66.8459%1,201
Condition Ratios (%)
Loss allowance to loans1.2647%2,166
Loan loss allowance to noncurrent loans182.5771%2,297
Noncurrent assets plus other real estate owned to assets0.4362%2,768
Noncurrent loans to loans0.6927%2,238
Net loans and leases to total assets56.1580%4,068
Net loans and leases to deposits63.7595%4,238
Net loans and leases to core deposits74.1244%3,884
Total domestic deposits to total assets88.0779%1,065
Equity capital to assets10.9446%3,128
Core capital (leverage) ratio11.0113%2,589
Tier 1 risk-based capital ratio16.4666%2,250
Total risk-based capital ratio17.5723%2,242
Memoranda:
Average total assets$138,711,0003,507
Average earning assets$129,559,3303,485
Average equity$14,481,6703,725
Average total loans$79,045,6703,678
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5245%2,787
Cost of funding earning assets0.8794%2,100
Net interest margin3.6451%3,090
Noninterest income to average assets0.4228%3,031
Noninterest expense to average assets2.9680%2,080
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.8513%3,448
Return on assets (ROA)0.9005%3,284
Pretax return on assets0.9005%3,767
Return on Equity (ROE)8.8418%2,876
Retained earnings to average equity (ytd only)6.0272%2,445
Net charge-offs to loans1.9696%56
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)0.7577%2,646
Efficiency ratio77.7104%1,304
Assets per employee ($millions)5.5345%1,951
Cash dividends to net income (ytd only)*31.8328%2,175
Condition Ratios (%)
Loss allowance to loans1.2481%2,334
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.5486%2,450
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets54.7834%4,150
Net loans and leases to deposits61.8412%4,309
Net loans and leases to core deposits72.7412%3,890
Total domestic deposits to total assets88.5873%1,040
Equity capital to assets10.4681%3,373
Core capital (leverage) ratio10.7581%2,795
Tier 1 risk-based capital ratio16.8238%2,164
Total risk-based capital ratio17.8976%2,167
Memoranda:
Average total assets$138,141,5003,557
Average earning assets$128,720,5003,537
Average equity$14,069,5003,789
Average total loans$78,797,0003,720
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5173%2,412
Cost of funding earning assets0.7296%1,907
Net interest margin3.7876%2,705
Noninterest income to average assets0.4748%2,972
Noninterest expense to average assets2.9788%2,100
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.0073%2,974
Return on assets (ROA)0.9993%3,003
Pretax return on assets0.9993%3,604
Return on Equity (ROE)10.1254%2,466
Retained earnings to average equity (ytd only)1.9614%4,365
Net charge-offs to loans0.0149%3,183
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)114.9167%666
Efficiency ratio74.7297%1,533
Assets per employee ($millions)5.5168%1,936
Cash dividends to net income (ytd only)*80.6287%691
Condition Ratios (%)
Loss allowance to loans1.6663%889
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0428%4,637
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets57.6341%4,001
Net loans and leases to deposits64.6731%4,211
Net loans and leases to core deposits76.3678%3,689
Total domestic deposits to total assets89.1162%815
Equity capital to assets9.9007%3,761
Core capital (leverage) ratio10.4893%3,039
Tier 1 risk-based capital ratio16.2260%2,333
Total risk-based capital ratio17.4783%2,274
Memoranda:
Average total assets$136,900,8003,549
Average earning assets$126,913,4003,548
Average equity$13,510,6003,815
Average total loans$80,510,4003,660
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4423%2,491
Cost of funding earning assets0.6753%1,998
Net interest margin3.7670%2,763
Noninterest income to average assets0.4752%3,010
Noninterest expense to average assets2.9643%2,128
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.0050%3,061
Return on assets (ROA)0.9943%3,120
Pretax return on assets0.9943%3,733
Return on Equity (ROE)10.0830%2,582
Retained earnings to average equity (ytd only)1.3556%4,760
Net charge-offs to loans-0.0265%4,708
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6804%1,498
Assets per employee ($millions)5.7365%1,703
Cash dividends to net income (ytd only)*86.5556%440
Condition Ratios (%)
Loss allowance to loans1.6495%966
Loan loss allowance to noncurrent loans417.6292%1,270
Noncurrent assets plus other real estate owned to assets0.2294%3,799
Noncurrent loans to loans0.3950%3,239
Net loans and leases to total assets57.1245%4,123
Net loans and leases to deposits65.0878%4,267
Net loans and leases to core deposits77.2300%3,718
Total domestic deposits to total assets87.7654%1,355
Equity capital to assets9.0417%4,514
Core capital (leverage) ratio10.6785%2,904
Tier 1 risk-based capital ratio15.5455%2,630
Total risk-based capital ratio16.7970%2,564
Memoranda:
Average total assets$136,646,0003,591
Average earning assets$126,747,7503,585
Average equity$13,474,5003,853
Average total loans$80,429,0003,690
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3980%2,419
Cost of funding earning assets0.6335%2,025
Net interest margin3.7645%2,697
Noninterest income to average assets0.4926%2,901
Noninterest expense to average assets2.9838%2,082
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.0283%2,902
Return on assets (ROA)1.0492%2,806
Pretax return on assets1.0492%3,519
Return on Equity (ROE)10.3345%2,409
Retained earnings to average equity (ytd only)5.1159%3,018
Net charge-offs to loans-0.0428%4,867
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.3694%1,654
Assets per employee ($millions)5.1563%2,239
Cash dividends to net income (ytd only)*50.4965%1,649
Condition Ratios (%)
Loss allowance to loans1.7424%835
Loan loss allowance to noncurrent loans1,697.5309%380
Noncurrent assets plus other real estate owned to assets0.0604%4,718
Noncurrent loans to loans0.1026%4,454
Net loans and leases to total assets57.8380%4,007
Net loans and leases to deposits65.0569%4,218
Net loans and leases to core deposits74.2464%3,865
Total domestic deposits to total assets88.9038%971
Equity capital to assets10.0571%3,570
Core capital (leverage) ratio11.0138%2,514
Tier 1 risk-based capital ratio16.6998%2,194
Total risk-based capital ratio17.9532%2,142
Memoranda:
Average total assets$134,390,3303,638
Average earning assets$125,647,0003,628
Average equity$13,643,6703,850
Average total loans$79,472,6703,724
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3694%2,297
Cost of funding earning assets0.6315%1,833
Net interest margin3.7379%2,655
Noninterest income to average assets0.5083%2,756
Noninterest expense to average assets2.9193%2,290
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.0732%2,552
Return on assets (ROA)1.1207%2,348
Pretax return on assets1.1207%3,091
Return on Equity (ROE)10.9881%1,973
Retained earnings to average equity (ytd only)8.2775%1,737
Net charge-offs to loans-0.0752%5,130
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1199%2,023
Assets per employee ($millions)5.3753%2,067
Cash dividends to net income (ytd only)*24.6684%2,290
Condition Ratios (%)
Loss allowance to loans1.7583%853
Loan loss allowance to noncurrent loans1,695.0617%386
Noncurrent assets plus other real estate owned to assets0.0603%4,790
Noncurrent loans to loans0.1037%4,506
Net loans and leases to total assets57.0865%4,024
Net loans and leases to deposits64.1899%4,200
Net loans and leases to core deposits73.8686%3,830
Total domestic deposits to total assets88.9338%1,126
Equity capital to assets10.0170%3,574
Core capital (leverage) ratio10.9056%2,536
Tier 1 risk-based capital ratio16.6240%2,239
Total risk-based capital ratio17.8773%2,178
Memoranda:
Average total assets$134,553,5003,673
Average earning assets$125,417,5003,659
Average equity$13,724,0003,870
Average total loans$79,751,5003,749
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4091%2,007
Cost of funding earning assets0.5724%1,806
Net interest margin3.8367%2,298
Noninterest income to average assets0.5366%2,790
Noninterest expense to average assets3.0137%2,140
Loan and lease loss provision to assets0.0149%3,995
Net operating income to assets1.0851%1,908
Return on assets (ROA)1.1200%1,819
Pretax return on assets1.1200%3,106
Return on Equity (ROE)11.0631%1,454
Retained earnings to average equity (ytd only)5.6674%1,727
Net charge-offs to loans0.1247%1,801
Credit loss provision to net charge-offs19.8020%3,609
Earnings coverage of net charge-offs (x)14.6535%2,313
Efficiency ratio73.2611%2,021
Assets per employee ($millions)5.3890%2,065
Cash dividends to net income (ytd only)*48.7724%2,372
Condition Ratios (%)
Loss allowance to loans1.6680%997
Loan loss allowance to noncurrent loans870.5128%705
Noncurrent assets plus other real estate owned to assets0.1158%4,554
Noncurrent loans to loans0.1916%4,147
Net loans and leases to total assets59.4233%3,887
Net loans and leases to deposits68.1588%4,015
Net loans and leases to core deposits86.7988%2,848
Total domestic deposits to total assets87.1835%1,906
Equity capital to assets10.3819%3,291
Core capital (leverage) ratio10.6227%2,715
Tier 1 risk-based capital ratio15.8537%2,491
Total risk-based capital ratio17.1061%2,432
Memoranda:
Average total assets$134,551,2003,686
Average earning assets$125,445,6003,657
Average equity$13,621,8003,896
Average total loans$80,962,8003,731
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3641%2,061
Cost of funding earning assets0.5483%1,908
Net interest margin3.8158%2,340
Noninterest income to average assets0.4758%3,178
Noninterest expense to average assets3.0669%1,900
Loan and lease loss provision to assets0.0198%3,745
Net operating income to assets0.9556%2,740
Return on assets (ROA)1.0041%2,580
Pretax return on assets1.0041%3,671
Return on Equity (ROE)9.9821%2,140
Retained earnings to average equity (ytd only)3.6657%3,746
Net charge-offs to loans0.1616%1,270
Credit loss provision to net charge-offs20.4082%3,154
Earnings coverage of net charge-offs (x)10.0411%2,638
Efficiency ratio75.8705%1,609
Assets per employee ($millions)4.8176%2,674
Cash dividends to net income (ytd only)*63.2779%1,220
Condition Ratios (%)
Loss allowance to loans1.6584%1,112
Loan loss allowance to noncurrent loans795.9064%712
Noncurrent assets plus other real estate owned to assets0.1268%4,611
Noncurrent loans to loans0.2084%4,242
Net loans and leases to total assets59.8299%3,884
Net loans and leases to deposits69.9483%3,965
Net loans and leases to core deposits86.8901%2,880
Total domestic deposits to total assets85.5346%2,505
Equity capital to assets10.3926%3,486
Core capital (leverage) ratio10.4186%3,067
Tier 1 risk-based capital ratio15.3569%2,768
Total risk-based capital ratio16.6087%2,714
Memoranda:
Average total assets$134,507,7503,720
Average earning assets$125,720,0003,686
Average equity$13,530,5003,949
Average total loans$80,849,5003,764
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3004%2,124
Cost of funding earning assets0.5127%2,074
Net interest margin3.7877%2,330
Noninterest income to average assets0.4584%3,301
Noninterest expense to average assets3.0540%1,963
Loan and lease loss provision to assets0.0298%3,402
Net operating income to assets0.9153%2,836
Return on assets (ROA)0.9615%2,661
Pretax return on assets0.9615%3,720
Return on Equity (ROE)9.6651%2,187
Retained earnings to average equity (ytd only)5.6854%2,306
Net charge-offs to loans0.2436%838
Credit loss provision to net charge-offs20.4082%2,784
Earnings coverage of net charge-offs (x)6.4796%2,708
Efficiency ratio76.3677%1,661
Assets per employee ($millions)4.9096%2,500
Cash dividends to net income (ytd only)*41.1765%2,275
Condition Ratios (%)
Loss allowance to loans1.6857%1,087
Loan loss allowance to noncurrent loans1,767.5325%372
Noncurrent assets plus other real estate owned to assets0.0560%4,989
Noncurrent loans to loans0.0954%4,744
Net loans and leases to total assets57.7410%4,063
Net loans and leases to deposits68.7828%4,006
Net loans and leases to core deposits74.9566%3,861
Total domestic deposits to total assets83.9469%3,218
Equity capital to assets10.2329%3,638
Core capital (leverage) ratio10.6472%2,764
Tier 1 risk-based capital ratio15.4486%2,729
Total risk-based capital ratio16.7005%2,665
Memoranda:
Average total assets$134,379,0003,749
Average earning assets$125,617,3303,710
Average equity$13,367,6703,982
Average total loans$80,443,3303,785
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2874%1,990
Cost of funding earning assets0.5042%2,053
Net interest margin3.7832%2,175
Noninterest income to average assets0.4698%3,189
Noninterest expense to average assets3.1167%1,818
Loan and lease loss provision to assets0.0602%2,594
Net operating income to assets0.8401%3,042
Return on assets (ROA)0.8401%3,089
Pretax return on assets0.8401%3,974
Return on Equity (ROE)8.5727%2,631
Retained earnings to average equity (ytd only)5.8381%2,417
Net charge-offs to loans0.0697%1,631
Credit loss provision to net charge-offs142.8571%1,245
Earnings coverage of net charge-offs (x)21.3571%1,448
Efficiency ratio77.5862%1,690
Assets per employee ($millions)4.6109%2,993
Cash dividends to net income (ytd only)*31.8996%2,274
Condition Ratios (%)
Loss allowance to loans1.8016%956
Loan loss allowance to noncurrent loans914.5570%643
Noncurrent assets plus other real estate owned to assets0.1182%4,789
Noncurrent loans to loans0.1970%4,415
Net loans and leases to total assets58.9013%3,895
Net loans and leases to deposits68.5021%3,940
Net loans and leases to core deposits74.6019%3,777
Total domestic deposits to total assets85.9846%2,674
Equity capital to assets9.8641%3,914
Core capital (leverage) ratio10.4407%2,967
Tier 1 risk-based capital ratio15.4991%2,756
Total risk-based capital ratio16.7535%2,683
Memoranda:
Average total assets$132,834,0003,799
Average earning assets$124,550,0003,761
Average equity$13,018,0004,055
Average total loans$80,296,5003,804
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5199%1,479
Cost of funding earning assets0.4958%2,118
Net interest margin4.0242%1,571
Noninterest income to average assets0.4366%3,642
Noninterest expense to average assets3.0428%2,209
Loan and lease loss provision to assets0.1172%2,110
Net operating income to assets1.0402%2,187
Return on assets (ROA)1.1464%1,803
Pretax return on assets1.1464%2,914
Return on Equity (ROE)11.4019%1,433
Retained earnings to average equity (ytd only)3.5553%3,395
Net charge-offs to loans0.4265%607
Credit loss provision to net charge-offs43.4783%3,458
Earnings coverage of net charge-offs (x)4.2935%3,518
Efficiency ratio72.4451%2,520
Assets per employee ($millions)4.7125%2,768
Cash dividends to net income (ytd only)*68.8179%1,372
Condition Ratios (%)
Loss allowance to loans1.7901%964
Loan loss allowance to noncurrent loans639.5556%871
Noncurrent assets plus other real estate owned to assets0.1705%4,639
Noncurrent loans to loans0.2799%4,154
Net loans and leases to total assets59.8313%3,875
Net loans and leases to deposits69.5828%3,949
Net loans and leases to core deposits75.8554%3,758
Total domestic deposits to total assets85.9857%2,589
Equity capital to assets9.7354%4,019
Core capital (leverage) ratio10.2694%3,145
Tier 1 risk-based capital ratio15.3373%2,827
Total risk-based capital ratio16.5912%2,749
Memoranda:
Average total assets$136,517,6003,726
Average earning assets$127,678,8003,690
Average equity$13,725,8003,985
Average total loans$86,283,0003,656
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4844%1,593
Cost of funding earning assets0.4885%2,190
Net interest margin3.9959%1,667
Noninterest income to average assets0.4223%3,753
Noninterest expense to average assets3.0141%2,277
Loan and lease loss provision to assets0.0969%2,287
Net operating income to assets1.0431%2,232
Return on assets (ROA)1.1739%1,834
Pretax return on assets1.1739%2,951
Return on Equity (ROE)11.5875%1,463
Retained earnings to average equity (ytd only)3.4514%3,829
Net charge-offs to loans0.3191%725
Credit loss provision to net charge-offs47.6190%3,062
Earnings coverage of net charge-offs (x)5.6048%3,106
Efficiency ratio72.5577%2,489
Assets per employee ($millions)4.8111%2,598
Cash dividends to net income (ytd only)*70.2146%1,034
Condition Ratios (%)
Loss allowance to loans1.7543%1,096
Loan loss allowance to noncurrent loans82.2805%4,004
Noncurrent assets plus other real estate owned to assets1.3867%1,347
Noncurrent loans to loans2.1322%891
Net loans and leases to total assets63.8948%3,417
Net loans and leases to deposits74.9519%3,506
Net loans and leases to core deposits81.9035%3,290
Total domestic deposits to total assets85.2478%2,695
Equity capital to assets10.4400%3,620
Core capital (leverage) ratio10.0729%3,470
Tier 1 risk-based capital ratio14.2919%3,402
Total risk-based capital ratio15.5456%3,331
Memoranda:
Average total assets$137,659,2503,733
Average earning assets$128,561,0003,693
Average equity$13,945,7503,980
Average total loans$87,757,0003,637
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4847%1,564
Cost of funding earning assets0.4861%2,221
Net interest margin3.9986%1,647
Noninterest income to average assets0.4270%3,677
Noninterest expense to average assets2.9183%2,620
Loan and lease loss provision to assets0.0577%2,985
Net operating income to assets1.1887%1,645
Return on assets (ROA)1.2810%1,440
Pretax return on assets1.2810%2,482
Return on Equity (ROE)12.7712%1,085
Retained earnings to average equity (ytd only)7.8957%1,204
Net charge-offs to loans0.4647%479
Credit loss provision to net charge-offs19.6078%2,933
Earnings coverage of net charge-offs (x)4.2353%3,006
Efficiency ratio70.0727%2,973
Assets per employee ($millions)4.8931%2,422
Cash dividends to net income (ytd only)*38.1757%2,504
Condition Ratios (%)
Loss allowance to loans1.6758%1,328
Loan loss allowance to noncurrent loans79.7312%4,125
Noncurrent assets plus other real estate owned to assets1.3576%1,467
Noncurrent loans to loans2.1019%930
Net loans and leases to total assets63.5072%3,435
Net loans and leases to deposits73.2771%3,675
Net loans and leases to core deposits79.6350%3,497
Total domestic deposits to total assets86.6672%2,076
Equity capital to assets10.5403%3,588
Core capital (leverage) ratio9.9848%3,579
Tier 1 risk-based capital ratio14.3015%3,435
Total risk-based capital ratio15.5546%3,355
Memoranda:
Average total assets$138,641,6703,742
Average earning assets$129,596,6703,700
Average equity$13,906,3304,004
Average total loans$87,805,6703,653
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4989%1,508
Cost of funding earning assets0.4859%2,222
Net interest margin4.0131%1,574
Noninterest income to average assets0.3843%3,952
Noninterest expense to average assets2.9084%2,679
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.2190%1,493
Return on assets (ROA)1.3481%1,211
Pretax return on assets1.3481%2,099
Return on Equity (ROE)13.7840%880
Retained earnings to average equity (ytd only)11.2618%607
Net charge-offs to loans0.0320%2,314
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)60.7143%774
Efficiency ratio70.4656%3,045
Assets per employee ($millions)4.8126%2,567
Cash dividends to net income (ytd only)*18.2979%2,579
Condition Ratios (%)
Loss allowance to loans1.8882%988
Loan loss allowance to noncurrent loans296.0289%1,630
Noncurrent assets plus other real estate owned to assets0.3969%4,002
Noncurrent loans to loans0.6378%3,258
Net loans and leases to total assets61.0579%3,642
Net loans and leases to deposits69.9690%3,864
Net loans and leases to core deposits76.0429%3,679
Total domestic deposits to total assets87.2641%2,068
Equity capital to assets9.9637%4,122
Core capital (leverage) ratio9.7777%3,805
Tier 1 risk-based capital ratio14.2726%3,512
Total risk-based capital ratio15.5278%3,439
Memoranda:
Average total assets$139,458,5003,755
Average earning assets$130,075,0003,712
Average equity$13,639,0004,055
Average total loans$87,462,0003,664
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5012%1,595
Cost of funding earning assets0.5016%2,142
Net interest margin3.9996%1,719
Noninterest income to average assets0.4031%4,011
Noninterest expense to average assets2.8116%3,181
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.3294%1,207
Return on assets (ROA)1.3322%1,237
Pretax return on assets1.3322%2,157
Return on Equity (ROE)14.4783%768
Retained earnings to average equity (ytd only)6.2632%1,667
Net charge-offs to loans-0.0224%5,306
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.8962%3,587
Assets per employee ($millions)4.8052%2,596
Cash dividends to net income (ytd only)*56.7410%1,929
Condition Ratios (%)
Loss allowance to loans1.8701%1,013
Loan loss allowance to noncurrent loans338.1930%1,462
Noncurrent assets plus other real estate owned to assets0.3495%4,190
Noncurrent loans to loans0.5530%3,512
Net loans and leases to total assets62.0168%3,561
Net loans and leases to deposits71.7032%3,751
Net loans and leases to core deposits78.0367%3,544
Total domestic deposits to total assets86.4909%2,385
Equity capital to assets9.5959%4,440
Core capital (leverage) ratio9.4111%4,304
Tier 1 risk-based capital ratio13.6664%3,905
Total risk-based capital ratio14.9216%3,836
Memoranda:
Average total assets$141,415,4003,701
Average earning assets$132,164,4003,658
Average equity$13,012,6004,141
Average total loans$84,816,4003,705
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4679%1,700
Cost of funding earning assets0.5039%2,176
Net interest margin3.9640%1,829
Noninterest income to average assets0.4077%4,027
Noninterest expense to average assets2.8041%3,171
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.3133%1,299
Return on assets (ROA)1.3180%1,352
Pretax return on assets1.3180%2,324
Return on Equity (ROE)14.4754%817
Retained earnings to average equity (ytd only)5.7365%2,411
Net charge-offs to loans-0.0175%5,156
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.1040%3,519
Assets per employee ($millions)5.2055%2,059
Cash dividends to net income (ytd only)*60.3709%1,400
Condition Ratios (%)
Loss allowance to loans1.8359%1,193
Loan loss allowance to noncurrent loans328.4569%1,495
Noncurrent assets plus other real estate owned to assets0.3550%4,352
Noncurrent loans to loans0.5589%3,658
Net loans and leases to total assets62.3526%3,555
Net loans and leases to deposits71.9342%3,779
Net loans and leases to core deposits78.1996%3,591
Total domestic deposits to total assets86.6801%2,192
Equity capital to assets9.2608%5,045
Core capital (leverage) ratio9.3116%4,571
Tier 1 risk-based capital ratio13.3612%4,214
Total risk-based capital ratio14.6159%4,134
Memoranda:
Average total assets$141,931,5003,722
Average earning assets$132,825,2503,680
Average equity$12,922,7504,196
Average total loans$84,003,5003,756
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4258%1,768
Cost of funding earning assets0.5074%2,184
Net interest margin3.9183%1,917
Noninterest income to average assets0.4045%4,053
Noninterest expense to average assets2.7403%3,448
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.3301%1,238
Return on assets (ROA)1.3357%1,273
Pretax return on assets1.3357%2,226
Return on Equity (ROE)14.7537%772
Retained earnings to average equity (ytd only)9.5100%779
Net charge-offs to loans-0.0146%5,049
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3223%3,787
Assets per employee ($millions)5.1522%2,091
Cash dividends to net income (ytd only)*35.5415%2,600
Condition Ratios (%)
Loss allowance to loans1.9012%1,161
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets60.6074%3,741
Net loans and leases to deposits68.6717%4,066
Net loans and leases to core deposits74.5910%3,896
Total domestic deposits to total assets88.2568%1,514
Equity capital to assets9.2776%4,926
Core capital (leverage) ratio9.0601%4,879
Tier 1 risk-based capital ratio13.9759%3,948
Total risk-based capital ratio15.2313%3,875
Memoranda:
Average total assets$142,392,3303,748
Average earning assets$133,220,0003,706
Average equity$12,891,6704,226
Average total loans$82,246,3303,817
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3523%1,933
Cost of funding earning assets0.4981%2,299
Net interest margin3.8542%2,052
Noninterest income to average assets0.3610%4,319
Noninterest expense to average assets2.7466%3,428
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.2247%1,476
Return on assets (ROA)1.2608%1,462
Pretax return on assets1.2608%2,418
Return on Equity (ROE)14.0945%860
Retained earnings to average equity (ytd only)11.5177%638
Net charge-offs to loans-0.0149%4,907
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.1608%3,630
Assets per employee ($millions)5.6062%1,707
Cash dividends to net income (ytd only)*18.2819%2,580
Condition Ratios (%)
Loss allowance to loans2.0345%1,017
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 assets53.9132%4,456
Net loans and leases to deposits60.2447%4,728
Net loans and leases to core deposits65.1287%4,602
Total domestic deposits to total assets89.4904%997
Equity capital to assets9.0071%5,284
Core capital (leverage) ratio8.9179%5,053
Tier 1 risk-based capital ratio14.0229%3,993
Total risk-based capital ratio15.2789%3,912
Memoranda:
Average total assets$144,033,5003,742
Average earning assets$134,918,5003,706
Average equity$12,884,5004,255
Average total loans$80,397,0003,874
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4621%2,025
Cost of funding earning assets0.5236%2,455
Net interest margin3.9386%2,092
Noninterest income to average assets0.4173%4,055
Noninterest expense to average assets2.7610%3,632
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets1.3268%1,242
Return on assets (ROA)1.3381%1,263
Pretax return on assets1.3381%2,112
Return on Equity (ROE)16.3204%578
Retained earnings to average equity (ytd only)8.3798%880
Net charge-offs to loans-0.0180%5,683
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5419%3,975
Assets per employee ($millions)5.2706%1,994
Cash dividends to net income (ytd only)*48.6544%2,357
Condition Ratios (%)
Loss allowance to loans2.0204%1,068
Loan loss allowance to noncurrent loans1,628.0000%402
Noncurrent assets plus other real estate owned to assets0.0703%5,745
Noncurrent loans to loans0.1241%5,407
Net loans and leases to total assets55.4787%4,392
Net loans and leases to deposits62.8090%4,655
Net loans and leases to core deposits67.9546%4,510
Total domestic deposits to total assets88.3293%1,605
Equity capital to assets8.8823%5,396
Core capital (leverage) ratio8.7184%5,329
Tier 1 risk-based capital ratio13.8882%4,174
Total risk-based capital ratio15.1447%4,109
Memoranda:
Average total assets$141,614,6003,766
Average earning assets$131,977,2003,722
Average equity$11,611,2004,435
Average total loans$77,898,8003,935
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4395%2,087
Cost of funding earning assets0.5256%2,509
Net interest margin3.9139%2,184
Noninterest income to average assets0.4298%4,024
Noninterest expense to average assets2.7855%3,517
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.2877%1,404
Return on assets (ROA)1.2933%1,446
Pretax return on assets1.2933%2,399
Return on Equity (ROE)16.1114%664
Retained earnings to average equity (ytd only)8.1849%1,274
Net charge-offs to loans-0.0190%5,596
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.3869%3,791
Assets per employee ($millions)5.5335%1,696
Cash dividends to net income (ytd only)*49.1983%1,872
Condition Ratios (%)
Loss allowance to loans2.0345%1,198
Loan loss allowance to noncurrent loans315.5340%1,454
Noncurrent assets plus other real estate owned to assets0.3580%4,850
Noncurrent loans to loans0.6448%4,000
Net loans and leases to total assets54.3883%4,530
Net loans and leases to deposits61.9010%4,749
Net loans and leases to core deposits66.6533%4,646
Total domestic deposits to total assets87.8634%1,834
Equity capital to assets8.3679%5,896
Core capital (leverage) ratio8.5458%5,603
Tier 1 risk-based capital ratio13.5488%4,507
Total risk-based capital ratio14.8056%4,446
Memoranda:
Average total assets$141,442,0003,799
Average earning assets$131,664,5003,753
Average equity$11,354,0004,514
Average total loans$77,229,2503,985
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4035%2,166
Cost of funding earning assets0.5287%2,553
Net interest margin3.8748%2,282
Noninterest income to average assets0.4437%3,914
Noninterest expense to average assets2.8073%3,475
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.2430%1,467
Return on assets (ROA)1.2600%1,479
Pretax return on assets1.2600%2,409
Return on Equity (ROE)15.9271%665
Retained earnings to average equity (ytd only)11.0375%532
Net charge-offs to loans-0.0157%5,452
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.3118%3,778
Assets per employee ($millions)5.3723%1,808
Cash dividends to net income (ytd only)*30.6998%2,759
Condition Ratios (%)
Loss allowance to loans2.0817%1,220
Loan loss allowance to noncurrent loans396.0880%1,169
Noncurrent assets plus other real estate owned to assets0.2928%5,194
Noncurrent loans to loans0.5256%4,434
Net loans and leases to total assets54.5529%4,475
Net loans and leases to deposits61.1645%4,765
Net loans and leases to core deposits65.5399%4,680
Total domestic deposits to total assets89.1904%1,259
Equity capital to assets8.5924%5,723
Core capital (leverage) ratio8.5509%5,586
Tier 1 risk-based capital ratio13.8353%4,362
Total risk-based capital ratio15.0933%4,310
Memoranda:
Average total assets$140,632,3303,838
Average earning assets$130,897,3303,786
Average equity$11,125,6704,578
Average total loans$76,347,6704,029
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4341%2,011
Cost of funding earning assets0.5306%2,601
Net interest margin3.9035%2,074
Noninterest income to average assets0.3884%4,288
Noninterest expense to average assets2.7695%3,680
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.2473%1,355
Return on assets (ROA)1.2926%1,283
Pretax return on assets1.2926%2,117
Return on Equity (ROE)17.0667%527
Retained earnings to average equity (ytd only)14.3719%370
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.9485%4,010
Assets per employee ($millions)5.4988%1,711
Cash dividends to net income (ytd only)*15.7895%2,596
Condition Ratios (%)
Loss allowance to loans2.0960%1,334
Loan loss allowance to noncurrent loans8,966.6667%85
Noncurrent assets plus other real estate owned to assets0.0126%6,290
Noncurrent loans to loans0.0234%6,092
Net loans and leases to total assets52.7313%4,570
Net loans and leases to deposits58.2900%4,914
Net loans and leases to core deposits62.2883%4,848
Total domestic deposits to total assets90.4637%818
Equity capital to assets7.7632%6,198
Core capital (leverage) ratio8.2222%5,926
Tier 1 risk-based capital ratio13.7832%4,479
Total risk-based capital ratio15.0386%4,435
Memoranda:
Average total assets$141,108,0003,861
Average earning assets$131,165,5003,816
Average equity$10,687,5004,688
Average total loans$75,611,5004,081
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2717%3,062
Cost of funding earning assets0.7122%1,731
Net interest margin3.5595%3,639
Noninterest income to average assets0.4876%3,837
Noninterest expense to average assets2.6220%4,383
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.1598%1,721
Return on assets (ROA)1.1461%1,837
Pretax return on assets1.1461%2,781
Return on Equity (ROE)15.6996%658
Retained earnings to average equity (ytd only)7.5384%1,218
Net charge-offs to loans-0.0634%6,382
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.3316%3,951
Assets per employee ($millions)5.1573%2,001
Cash dividends to net income (ytd only)*51.9832%2,181
Condition Ratios (%)
Loss allowance to loans2.1746%1,210
Loan loss allowance to noncurrent loans1,097.9592%466
Noncurrent assets plus other real estate owned to assets0.1056%6,015
Noncurrent loans to loans0.1981%5,594
Net loans and leases to total assets52.1415%4,828
Net loans and leases to deposits57.4484%5,170
Net loans and leases to core deposits62.4516%5,019
Total domestic deposits to total assets90.7624%678
Equity capital to assets7.3797%6,337
Core capital (leverage) ratio8.0423%6,103
Tier 1 risk-based capital ratio13.6252%4,570
Total risk-based capital ratio14.8828%4,511
Memoranda:
Average total assets$145,193,4003,781
Average earning assets$134,373,0003,746
Average equity$10,599,0004,722
Average total loans$75,714,4004,067
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2059%3,374
Cost of funding earning assets0.7460%1,629
Net interest margin3.4598%4,060
Noninterest income to average assets0.3818%4,663
Noninterest expense to average assets2.5661%4,498
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.0153%2,315
Return on assets (ROA)1.0408%2,302
Pretax return on assets1.0408%3,334
Return on Equity (ROE)14.2946%929
Retained earnings to average equity (ytd only)5.5431%2,702
Net charge-offs to loans-0.0999%6,497
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6497%3,471
Assets per employee ($millions)5.3102%1,837
Cash dividends to net income (ytd only)*61.2224%1,404
Condition Ratios (%)
Loss allowance to loans2.0825%1,543
Loan loss allowance to noncurrent loans317.6125%1,301
Noncurrent assets plus other real estate owned to assets0.3822%5,261
Noncurrent loans to loans0.6557%4,564
Net loans and leases to total assets53.2255%4,721
Net loans and leases to deposits58.3461%5,153
Net loans and leases to core deposits63.5023%4,944
Total domestic deposits to total assets91.2237%449
Equity capital to assets6.8345%6,586
Core capital (leverage) ratio7.6333%6,392
Tier 1 risk-based capital ratio12.6652%5,351
Total risk-based capital ratio13.9227%5,289
Memoranda:
Average total assets$146,680,2503,801
Average earning assets$135,648,7503,767
Average equity$10,679,7504,758
Average total loans$76,088,2504,086
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1766%3,452
Cost of funding earning assets0.7967%1,436
Net interest margin3.3800%4,267
Noninterest income to average assets0.3654%4,782
Noninterest expense to average assets2.5010%4,723
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.9879%2,381
Return on assets (ROA)1.0150%2,394
Pretax return on assets1.0150%3,437
Return on Equity (ROE)13.6695%1,078
Retained earnings to average equity (ytd only)8.5662%1,265
Net charge-offs to loans-0.1192%6,546
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6835%3,521
Assets per employee ($millions)5.1681%1,914
Cash dividends to net income (ytd only)*37.3333%2,365
Condition Ratios (%)
Loss allowance to loans2.1132%1,605
Loan loss allowance to noncurrent loans300.0000%1,403
Noncurrent assets plus other real estate owned to assets0.4057%5,262
Noncurrent loans to loans0.7044%4,526
Net loans and leases to total assets51.5687%4,920
Net loans and leases to deposits57.0691%5,243
Net loans and leases to core deposits61.9700%5,095
Total domestic deposits to total assets90.3618%826
Equity capital to assets7.0211%6,599
Core capital (leverage) ratio7.5008%6,452
Tier 1 risk-based capital ratio12.8472%5,261
Total risk-based capital ratio14.1049%5,184
Memoranda:
Average total assets$147,782,0003,811
Average earning assets$136,569,6703,782
Average equity$10,973,3304,729
Average total loans$75,472,6704,120
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1667%3,439
Cost of funding earning assets0.8229%1,406
Net interest margin3.3438%4,339
Noninterest income to average assets0.3456%4,919
Noninterest expense to average assets2.4431%4,972
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.9938%2,249
Return on assets (ROA)1.0260%2,233
Pretax return on assets1.0260%3,238
Return on Equity (ROE)13.4622%1,064
Retained earnings to average equity (ytd only)10.9315%893
Net charge-offs to loans-0.0799%6,352
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0834%3,775
Assets per employee ($millions)5.3745%1,774
Cash dividends to net income (ytd only)*18.7990%2,331
Condition Ratios (%)
Loss allowance to loans2.1323%1,725
Loan loss allowance to noncurrent loans204.5278%1,871
Noncurrent assets plus other real estate owned to assets0.5542%5,008
Noncurrent loans to loans1.0426%4,055
Net loans and leases to total assets48.2194%5,203
Net loans and leases to deposits53.2584%5,497
Net loans and leases to core deposits57.5066%5,387
Total domestic deposits to total assets90.5386%750
Equity capital to assets7.5562%6,573
Core capital (leverage) ratio7.3031%6,543
Tier 1 risk-based capital ratio12.9516%5,261
Total risk-based capital ratio14.2097%5,205
Memoranda:
Average total assets$149,320,0003,823
Average earning assets$138,048,0003,792
Average equity$11,380,0004,703
Average total loans$75,092,0004,163
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7399%2,428
Cost of funding earning assets1.0126%1,285
Net interest margin3.7274%3,533
Noninterest income to average assets0.3791%4,758
Noninterest expense to average assets2.5229%5,020
Loan and lease loss provision to assets0.0525%5,154
Net operating income to assets1.2744%1,382
Return on assets (ROA)1.4436%1,139
Pretax return on assets1.4436%1,879
Return on Equity (ROE)18.7099%383
Retained earnings to average equity (ytd only)5.6112%2,305
Net charge-offs to loans0.0683%4,996
Credit loss provision to net charge-offs138.8889%1,986
Earnings coverage of net charge-offs (x)35.1296%895
Efficiency ratio65.5342%4,596
Assets per employee ($millions)5.2913%1,914
Cash dividends to net income (ytd only)*70.0097%1,374
Condition Ratios (%)
Loss allowance to loans2.0594%1,863
Loan loss allowance to noncurrent loans197.2292%1,866
Noncurrent assets plus other real estate owned to assets0.5832%5,022
Noncurrent loans to loans1.0442%4,129
Net loans and leases to total assets50.2676%5,132
Net loans and leases to deposits55.6553%5,482
Net loans and leases to core deposits60.3346%5,333
Total domestic deposits to total assets90.3196%790
Equity capital to assets7.6872%6,559
Core capital (leverage) ratio7.3028%6,582
Tier 1 risk-based capital ratio12.5199%5,460
Total risk-based capital ratio13.7807%5,406
Memoranda:
Average total assets$142,972,4003,894
Average earning assets$133,124,0003,840
Average equity$11,031,6004,754
Average total loans$79,013,4004,070
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8435%2,221
Cost of funding earning assets1.0522%1,270
Net interest margin3.7913%3,373
Noninterest income to average assets0.3802%4,782
Noninterest expense to average assets2.5823%4,800
Loan and lease loss provision to assets0.0706%4,786
Net operating income to assets1.2639%1,529
Return on assets (ROA)1.5359%1,072
Pretax return on assets1.5359%1,765
Return on Equity (ROE)19.8858%334
Retained earnings to average equity (ytd only)5.2030%3,220
Net charge-offs to loans0.1087%4,305
Credit loss provision to net charge-offs115.3846%2,521
Earnings coverage of net charge-offs (x)21.8165%1,382
Efficiency ratio65.9298%4,461
Assets per employee ($millions)4.9201%2,300
Cash dividends to net income (ytd only)*73.8358%808
Condition Ratios (%)
Loss allowance to loans1.9809%2,219
Loan loss allowance to noncurrent loans187.1239%1,872
Noncurrent assets plus other real estate owned to assets0.6434%5,063
Noncurrent loans to loans1.0586%4,322
Net loans and leases to total assets53.9269%4,758
Net loans and leases to deposits59.9713%5,209
Net loans and leases to core deposits65.0670%5,047
Total domestic deposits to total assets89.9211%889
Equity capital to assets7.9294%6,626
Core capital (leverage) ratio7.3134%6,711
Tier 1 risk-based capital ratio12.2941%5,768
Total risk-based capital ratio13.5513%5,737
Memoranda:
Average total assets$141,676,7503,961
Average earning assets$132,158,7503,893
Average equity$10,942,2504,818
Average total loans$79,756,7504,086
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8906%2,147
Cost of funding earning assets1.0861%1,280
Net interest margin3.8045%3,337
Noninterest income to average assets0.3835%4,766
Noninterest expense to average assets2.5895%4,813
Loan and lease loss provision to assets0.1061%4,201
Net operating income to assets1.2367%1,592
Return on assets (ROA)1.4971%1,112
Pretax return on assets1.4971%1,851
Return on Equity (ROE)19.5594%382
Retained earnings to average equity (ytd only)3.8453%4,053
Net charge-offs to loans0.1921%3,430
Credit loss provision to net charge-offs97.4026%2,847
Earnings coverage of net charge-offs (x)12.3247%1,888
Efficiency ratio65.8510%4,559
Assets per employee ($millions)4.8954%2,302
Cash dividends to net income (ytd only)*80.3403%790
Condition Ratios (%)
Loss allowance to loans1.9568%2,352
Loan loss allowance to noncurrent loans2,488.7097%205
Noncurrent assets plus other real estate owned to assets0.1155%6,500
Noncurrent loans to loans0.0786%6,466
Net loans and leases to total assets54.4573%4,715
Net loans and leases to deposits60.3670%5,213
Net loans and leases to core deposits65.9467%5,012
Total domestic deposits to total assets90.2105%808
Equity capital to assets7.6102%6,755
Core capital (leverage) ratio7.1316%6,776
Tier 1 risk-based capital ratio12.1903%5,803
Total risk-based capital ratio13.4492%5,779
Memoranda:
Average total assets$141,341,0003,983
Average earning assets$131,844,0003,927
Average equity$10,818,3304,855
Average total loans$80,175,6704,103
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9932%1,912
Cost of funding earning assets1.1405%1,215
Net interest margin3.8527%3,130
Noninterest income to average assets0.4084%4,613
Noninterest expense to average assets2.6208%4,744
Loan and lease loss provision to assets0.2127%2,826
Net operating income to assets1.1487%1,885
Return on assets (ROA)1.3019%1,624
Pretax return on assets1.3019%2,529
Return on Equity (ROE)16.9600%679
Retained earnings to average equity (ytd only)4.5818%3,829
Net charge-offs to loans0.4503%1,965
Credit loss provision to net charge-offs82.4176%2,685
Earnings coverage of net charge-offs (x)5.2747%2,408
Efficiency ratio65.8120%4,595
Assets per employee ($millions)4.9530%2,311
Cash dividends to net income (ytd only)*72.9847%925
Condition Ratios (%)
Loss allowance to loans1.9424%2,547
Loan loss allowance to noncurrent loans4,132.4324%130
Noncurrent assets plus other real estate owned to assets0.1044%6,617
Noncurrent loans to loans0.0470%6,633
Net loans and leases to total assets53.7393%4,764
Net loans and leases to deposits59.5928%5,201
Net loans and leases to core deposits64.3738%5,071
Total domestic deposits to total assets90.1774%989
Equity capital to assets7.5948%6,744
Core capital (leverage) ratio7.1558%6,779
Tier 1 risk-based capital ratio11.9500%5,990
Total risk-based capital ratio13.2071%5,983
Memoranda:
Average total assets$141,027,5004,013
Average earning assets$130,819,0003,976
Average equity$10,825,5004,857
Average total loans$80,836,0004,101
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1919%2,094
Cost of funding earning assets1.3589%1,202
Net interest margin3.8329%3,658
Noninterest income to average assets0.4324%4,357
Noninterest expense to average assets2.4988%5,468
Loan and lease loss provision to assets0.1367%4,915
Net operating income to assets1.3829%1,055
Return on assets (ROA)1.6117%705
Pretax return on assets1.6117%1,177
Return on Equity (ROE)22.2899%174
Retained earnings to average equity (ytd only)7.1049%1,449
Net charge-offs to loans-0.5318%7,281
Credit loss provision to net charge-offs-43.1818%6,659
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.1844%5,430
Assets per employee ($millions)4.9435%2,287
Cash dividends to net income (ytd only)*68.1250%1,213
Condition Ratios (%)
Loss allowance to loans1.8625%2,673
Loan loss allowance to noncurrent loans120.3271%2,598
Noncurrent assets plus other real estate owned to assets1.0172%4,582
Noncurrent loans to loans1.5479%3,836
Net loans and leases to total assets58.8136%4,225
Net loans and leases to deposits65.4426%4,812
Net loans and leases to core deposits71.4130%4,602
Total domestic deposits to total assets89.8705%1,062
Equity capital to assets7.7606%6,709
Core capital (leverage) ratio7.2258%6,778
Tier 1 risk-based capital ratio11.5837%6,107
Total risk-based capital ratio12.8403%6,087
Memoranda:
Average total assets$138,985,8003,991
Average earning assets$130,030,6003,931
Average equity$10,049,4005,000
Average total loans$82,744,0004,058
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1917%2,233
Cost of funding earning assets1.4109%1,188
Net interest margin3.7808%3,965
Noninterest income to average assets0.4370%4,384
Noninterest expense to average assets2.6229%4,996
Loan and lease loss provision to assets0.0719%5,557
Net operating income to assets1.2861%1,419
Return on assets (ROA)1.4327%1,164
Pretax return on assets1.4327%1,839
Return on Equity (ROE)20.1826%297
Retained earnings to average equity (ytd only)4.3470%3,633
Net charge-offs to loans-0.5885%7,352
Credit loss provision to net charge-offs-20.5479%6,429
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8883%4,741
Assets per employee ($millions)4.9230%2,294
Cash dividends to net income (ytd only)*78.4616%652
Condition Ratios (%)
Loss allowance to loans1.6350%3,503
Loan loss allowance to noncurrent loans89.3799%3,247
Noncurrent assets plus other real estate owned to assets1.2028%4,388
Noncurrent loans to loans1.8293%3,600
Net loans and leases to total assets59.1393%4,301
Net loans and leases to deposits65.8008%4,935
Net loans and leases to core deposits71.5276%4,769
Total domestic deposits to total assets89.8762%937
Equity capital to assets7.6267%6,882
Core capital (leverage) ratio6.9772%6,969
Tier 1 risk-based capital ratio11.0792%6,497
Total risk-based capital ratio12.3092%6,492
Memoranda:
Average total assets$139,128,0004,020
Average earning assets$130,410,2503,947
Average equity$9,876,2505,069
Average total loans$82,691,7504,099
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1951%2,277
Cost of funding earning assets1.4802%1,073
Net interest margin3.7149%4,196
Noninterest income to average assets0.4127%4,567
Noninterest expense to average assets2.5466%5,373
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.3514%1,190
Return on assets (ROA)1.4976%956
Pretax return on assets1.4976%1,543
Return on Equity (ROE)21.6267%249
Retained earnings to average equity (ytd only)3.8493%3,754
Net charge-offs to loans-0.9222%7,436
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.3309%4,994
Assets per employee ($millions)4.8660%2,310
Cash dividends to net income (ytd only)*82.2010%740
Condition Ratios (%)
Loss allowance to loans1.5819%3,773
Loan loss allowance to noncurrent loans1,456.1798%270
Noncurrent assets plus other real estate owned to assets0.2371%6,539
Noncurrent loans to loans0.1086%6,703
Net loans and leases to total assets59.1800%4,428
Net loans and leases to deposits65.7573%5,032
Net loans and leases to core deposits72.4486%4,762
Total domestic deposits to total assets89.9976%980
Equity capital to assets7.4372%6,974
Core capital (leverage) ratio6.8120%7,052
Tier 1 risk-based capital ratio11.3135%6,311
Total risk-based capital ratio12.5673%6,298
Memoranda:
Average total assets$139,556,0004,034
Average earning assets$130,930,6703,962
Average equity$9,664,0005,134
Average total loans$82,630,6704,139
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1123%2,589
Cost of funding earning assets1.5651%934
Net interest margin3.5472%4,822
Noninterest income to average assets0.4192%4,547
Noninterest expense to average assets2.4304%5,794
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.3143%1,233
Return on assets (ROA)1.4192%1,064
Pretax return on assets1.4192%1,671
Return on Equity (ROE)21.2525%280
Retained earnings to average equity (ytd only)10.4778%999
Net charge-offs to loans-1.8365%7,510
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.9017%5,203
Assets per employee ($millions)5.0466%2,100
Cash dividends to net income (ytd only)*50.6986%1,455
Condition Ratios (%)
Loss allowance to loans1.5865%3,785
Loan loss allowance to noncurrent loans1,283.1683%317
Noncurrent assets plus other real estate owned to assets0.2519%6,554
Noncurrent loans to loans0.1236%6,741
Net loans and leases to total assets56.8922%4,828
Net loans and leases to deposits62.8035%5,407
Net loans and leases to core deposits71.9048%4,803
Total domestic deposits to total assets90.5877%804
Equity capital to assets6.8986%7,121
Core capital (leverage) ratio6.7075%7,115
Tier 1 risk-based capital ratio11.3477%6,214
Total risk-based capital ratio12.6008%6,197
Memoranda:
Average total assets$141,210,5004,041
Average earning assets$132,387,0003,968
Average equity$9,429,5005,197
Average total loans$82,982,5004,162
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3792%2,771
Cost of funding earning assets2.0806%455
Net interest margin3.2986%5,983
Noninterest income to average assets0.4416%4,584
Noninterest expense to average assets2.5440%5,634
Loan and lease loss provision to assets0.1855%5,374
Net operating income to assets0.7915%2,841
Return on assets (ROA)1.1007%1,781
Pretax return on assets1.1007%2,575
Return on Equity (ROE)16.6582%509
Retained earnings to average equity (ytd only)10.5366%435
Net charge-offs to loans0.4782%3,709
Credit loss provision to net charge-offs63.2754%6,023
Earnings coverage of net charge-offs (x)3.3325%3,413
Efficiency ratio72.2521%3,741
Assets per employee ($millions)5.0399%2,097
Cash dividends to net income (ytd only)*36.7482%2,742
Condition Ratios (%)
Loss allowance to loans1.0857%6,001
Loan loss allowance to noncurrent loans471.6495%678
Noncurrent assets plus other real estate owned to assets0.2778%6,555
Noncurrent loans to loans0.2302%6,601
Net loans and leases to total assets59.0737%4,830
Net loans and leases to deposits64.9584%5,519
Net loans and leases to core deposits76.1807%4,685
Total domestic deposits to total assets90.9409%627
Equity capital to assets6.4563%7,265
Core capital (leverage) ratio6.5418%7,187
Tier 1 risk-based capital ratio10.7361%6,540
Total risk-based capital ratio11.7865%6,653
Memoranda:
Average total assets$137,460,2004,106
Average earning assets$128,326,8004,058
Average equity$9,082,6005,398
Average total loans$84,268,2004,206
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3878%2,935
Cost of funding earning assets2.1649%422
Net interest margin3.2228%6,265
Noninterest income to average assets0.4345%4,681
Noninterest expense to average assets2.4938%5,735
Loan and lease loss provision to assets0.2490%4,602
Net operating income to assets0.6991%3,416
Return on assets (ROA)1.0087%2,325
Pretax return on assets1.0087%3,152
Return on Equity (ROE)15.1760%829
Retained earnings to average equity (ytd only)7.2428%1,731
Net charge-offs to loans0.6250%2,873
Credit loss provision to net charge-offs64.5570%5,576
Earnings coverage of net charge-offs (x)2.4582%3,942
Efficiency ratio72.4539%3,621
Assets per employee ($millions)5.0965%2,063
Cash dividends to net income (ytd only)*52.2747%1,548
Condition Ratios (%)
Loss allowance to loans1.0845%6,007
Loan loss allowance to noncurrent loans456.9307%658
Noncurrent assets plus other real estate owned to assets0.3273%6,561
Noncurrent loans to loans0.2373%6,701
Net loans and leases to total assets58.9957%5,104
Net loans and leases to deposits65.1131%5,773
Net loans and leases to core deposits76.9656%4,925
Total domestic deposits to total assets90.6049%592
Equity capital to assets6.7133%7,394
Core capital (leverage) ratio6.2267%7,399
Tier 1 risk-based capital ratio9.8434%7,140
Total risk-based capital ratio10.8656%7,213
Memoranda:
Average total assets$136,546,0004,176
Average earning assets$127,421,5004,122
Average equity$9,075,5005,470
Average total loans$84,265,7504,277
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3997%2,982
Cost of funding earning assets2.2256%430
Net interest margin3.1740%6,393
Noninterest income to average assets0.4387%4,623
Noninterest expense to average assets2.5741%5,440
Loan and lease loss provision to assets0.2825%4,138
Net operating income to assets0.5383%4,152
Return on assets (ROA)0.8075%3,081
Pretax return on assets0.8075%3,854
Return on Equity (ROE)12.1922%1,405
Retained earnings to average equity (ytd only)5.8828%2,402
Net charge-offs to loans0.3024%3,801
Credit loss provision to net charge-offs149.6063%2,633
Earnings coverage of net charge-offs (x)4.3465%2,980
Efficiency ratio75.8213%3,102
Assets per employee ($millions)5.0456%2,129
Cash dividends to net income (ytd only)*51.7495%1,605
Condition Ratios (%)
Loss allowance to loans1.3095%4,856
Loan loss allowance to noncurrent loans131.8875%2,120
Noncurrent assets plus other real estate owned to assets0.8636%5,393
Noncurrent loans to loans0.9929%5,320
Net loans and leases to total assets60.0154%5,055
Net loans and leases to deposits66.6352%5,727
Net loans and leases to core deposits79.0417%4,796
Total domestic deposits to total assets90.0656%894
Equity capital to assets6.4674%7,471
Core capital (leverage) ratio6.2803%7,433
Tier 1 risk-based capital ratio9.5087%7,260
Total risk-based capital ratio10.7455%7,268
Memoranda:
Average total assets$134,494,0004,254
Average earning assets$125,267,3304,202
Average equity$8,907,3305,529
Average total loans$83,984,0004,324
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4631%2,767
Cost of funding earning assets2.2324%537
Net interest margin3.2307%6,191
Noninterest income to average assets0.4332%4,629
Noninterest expense to average assets2.5324%5,607
Loan and lease loss provision to assets0.4424%2,751
Net operating income to assets0.4699%4,534
Return on assets (ROA)0.8177%2,985
Pretax return on assets0.8177%3,797
Return on Equity (ROE)12.1922%1,443
Retained earnings to average equity (ytd only)2.7751%4,469
Net charge-offs to loans0.6071%2,301
Credit loss provision to net charge-offs115.0794%3,028
Earnings coverage of net charge-offs (x)2.3730%3,353
Efficiency ratio73.5164%3,659
Assets per employee ($millions)4.7718%2,542
Cash dividends to net income (ytd only)*77.2388%896
Condition Ratios (%)
Loss allowance to loans1.3064%4,900
Loan loss allowance to noncurrent loans50.4664%4,965
Noncurrent assets plus other real estate owned to assets1.8629%3,684
Noncurrent loans to loans2.5886%3,083
Net loans and leases to total assets61.1798%4,911
Net loans and leases to deposits68.1936%5,561
Net loans and leases to core deposits89.0107%3,495
Total domestic deposits to total assets89.7149%1,132
Equity capital to assets6.5848%7,507
Core capital (leverage) ratio6.3781%7,513
Tier 1 risk-based capital ratio9.5900%7,256
Total risk-based capital ratio10.8172%7,263
Memoranda:
Average total assets$131,102,5004,379
Average earning assets$122,201,0004,322
Average equity$8,792,5005,593
Average total loans$83,019,5004,411
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7435%2,891
Cost of funding earning assets2.4209%1,240
Net interest margin3.3226%5,653
Noninterest income to average assets0.4181%5,062
Noninterest expense to average assets2.6679%5,521
Loan and lease loss provision to assets0.6283%3,294
Net operating income to assets0.2207%4,831
Return on assets (ROA)0.3834%4,294
Pretax return on assets0.3834%4,539
Return on Equity (ROE)5.3838%3,479
Retained earnings to average equity (ytd only)-1.6061%5,415
Net charge-offs to loans0.6734%3,164
Credit loss provision to net charge-offs145.5224%3,261
Earnings coverage of net charge-offs (x)1.9664%4,245
Efficiency ratio75.8589%3,551
Assets per employee ($millions)4.7627%2,528
Cash dividends to net income (ytd only)*129.8319%352
Condition Ratios (%)
Loss allowance to loans1.2762%4,896
Loan loss allowance to noncurrent loans1,234.8837%309
Noncurrent assets plus other real estate owned to assets0.3468%6,572
Noncurrent loans to loans0.1033%7,153
Net loans and leases to total assets63.8848%4,624
Net loans and leases to deposits71.6003%5,386
Net loans and leases to core deposits120.1211%1,941
Total domestic deposits to total assets89.2242%1,371
Equity capital to assets6.8331%7,452
Core capital (leverage) ratio6.4668%7,506
Tier 1 risk-based capital ratio9.5507%7,197
Total risk-based capital ratio10.7589%7,194
Memoranda:
Average total assets$124,140,8004,469
Average earning assets$115,783,8004,402
Average equity$8,841,4005,653
Average total loans$79,597,8004,528
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7521%3,091
Cost of funding earning assets2.4546%1,430
Net interest margin3.2975%5,651
Noninterest income to average assets0.3663%5,573
Noninterest expense to average assets2.6844%5,389
Loan and lease loss provision to assets0.0325%7,031
Net operating income to assets0.7272%3,108
Return on assets (ROA)0.9450%2,312
Pretax return on assets0.9450%3,077
Return on Equity (ROE)13.1298%1,091
Retained earnings to average equity (ytd only)4.0804%2,996
Net charge-offs to loans0.0373%6,379
Credit loss provision to net charge-offs136.3636%3,635
Earnings coverage of net charge-offs (x)31.8663%891
Efficiency ratio77.9421%3,174
Assets per employee ($millions)4.4769%2,894
Cash dividends to net income (ytd only)*68.9216%1,297
Condition Ratios (%)
Loss allowance to loans1.0259%6,126
Loan loss allowance to noncurrent loans1,531.4815%246
Noncurrent assets plus other real estate owned to assets0.3821%6,509
Noncurrent loans to loans0.0670%7,335
Net loans and leases to total assets63.6475%4,943
Net loans and leases to deposits72.0306%5,643
Net loans and leases to core deposits124.7736%1,835
Total domestic deposits to total assets88.3617%1,491
Equity capital to assets7.4446%7,341
Core capital (leverage) ratio7.0615%7,390
Tier 1 risk-based capital ratio10.3285%6,649
Total risk-based capital ratio11.2982%6,881
Memoranda:
Average total assets$123,027,5004,519
Average earning assets$114,830,5004,455
Average equity$8,855,0005,702
Average total loans$78,693,7504,601
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7733%3,174
Cost of funding earning assets2.5042%1,599
Net interest margin3.2691%5,666
Noninterest income to average assets0.3386%5,807
Noninterest expense to average assets2.6094%5,708
Loan and lease loss provision to assets0.0491%6,739
Net operating income to assets0.7215%3,162
Return on assets (ROA)0.8311%2,825
Pretax return on assets0.8311%3,567
Return on Equity (ROE)11.6835%1,509
Retained earnings to average equity (ytd only)3.4959%3,362
Net charge-offs to loans0.0256%6,123
Credit loss provision to net charge-offs300.0000%1,545
Earnings coverage of net charge-offs (x)47.1000%721
Efficiency ratio77.2023%3,477
Assets per employee ($millions)4.1712%3,347
Cash dividends to net income (ytd only)*70.0787%1,364
Condition Ratios (%)
Loss allowance to loans1.0535%5,886
Loan loss allowance to noncurrent loans2,330.5556%175
Noncurrent assets plus other real estate owned to assets0.4315%6,377
Noncurrent loans to loans0.0452%7,428
Net loans and leases to total assets65.1417%4,732
Net loans and leases to deposits73.6953%5,498
Net loans and leases to core deposits131.1966%1,476
Total domestic deposits to total assets88.3932%1,581
Equity capital to assets7.1930%7,490
Core capital (leverage) ratio7.0107%7,532
Tier 1 risk-based capital ratio10.2303%6,675
Total risk-based capital ratio11.2180%6,892
Memoranda:
Average total assets$122,252,3304,575
Average earning assets$113,730,3304,523
Average equity$8,696,0005,779
Average total loans$78,054,6704,656
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7191%3,697
Cost of funding earning assets2.5585%1,712
Net interest margin3.1605%5,981
Noninterest income to average assets0.2767%6,209
Noninterest expense to average assets2.3988%6,196
Loan and lease loss provision to assets0.0976%5,706
Net operating income to assets0.7193%3,464
Return on assets (ROA)0.7746%3,411
Pretax return on assets0.7746%4,170
Return on Equity (ROE)10.9507%1,978
Retained earnings to average equity (ytd only)0.2761%5,546
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.5951%3,717
Assets per employee ($millions)4.3063%3,062
Cash dividends to net income (ytd only)*97.4790%791
Condition Ratios (%)
Loss allowance to loans1.1066%5,421
Loan loss allowance to noncurrent loans2,068.2927%227
Noncurrent assets plus other real estate owned to assets0.4644%6,092
Noncurrent loans to loans0.0535%7,387
Net loans and leases to total assets60.6853%5,549
Net loans and leases to deposits68.4314%6,141
Net loans and leases to core deposits123.5007%2,113
Total domestic deposits to total assets88.6805%1,390
Equity capital to assets7.0058%7,677
Core capital (leverage) ratio6.8442%7,735
Tier 1 risk-based capital ratio10.2535%6,644
Total risk-based capital ratio11.2713%6,805
Memoranda:
Average total assets$122,896,5004,579
Average earning assets$114,284,5004,524
Average equity$8,693,5005,814
Average total loans$77,263,5004,711
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6888%2,069
Cost of funding earning assets3.1200%1,451
Net interest margin3.5688%5,020
Noninterest income to average assets0.4004%5,467
Noninterest expense to average assets2.4973%6,013
Loan and lease loss provision to assets0.1320%5,674
Net operating income to assets1.0566%2,325
Return on assets (ROA)1.0967%2,074
Pretax return on assets1.0967%3,035
Return on Equity (ROE)14.7498%962
Retained earnings to average equity (ytd only)6.2182%1,423
Net charge-offs to loans0.0140%6,700
Credit loss provision to net charge-offs1,450.0000%311
Earnings coverage of net charge-offs (x)130.6000%340
Efficiency ratio67.7531%4,765
Assets per employee ($millions)4.4782%2,648
Cash dividends to net income (ytd only)*57.8423%2,769
Condition Ratios (%)
Loss allowance to loans1.0514%5,613
Loan loss allowance to noncurrent loans2,047.5000%293
Noncurrent assets plus other real estate owned to assets0.5020%5,685
Noncurrent loans to loans0.0514%7,302
Net loans and leases to total assets63.7452%5,325
Net loans and leases to deposits72.1967%6,041
Net loans and leases to core deposits130.0822%1,846
Total domestic deposits to total assets88.2939%1,337
Equity capital to assets7.1441%7,658
Core capital (leverage) ratio7.0142%7,682
Tier 1 risk-based capital ratio9.8650%6,884
Total risk-based capital ratio10.8114%7,148
Memoranda:
Average total assets$109,878,8004,790
Average earning assets$101,154,6004,772
Average equity$8,169,6006,015
Average total loans$71,192,6004,826