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The Bank of Houston, Performance and Condition Ratios

2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1002%503
Cost of funding earning assets0.3293%4,160
Net interest margin4.7709%216
Noninterest income to average assets0.3896%3,134
Noninterest expense to average assets5.7221%140
Loan and lease loss provision to assets0.7827%234
Net operating income to assets-1.7810%4,981
Return on assets (ROA)-1.5514%4,977
Pretax return on assets-1.5514%4,968
Return on Equity (ROE)-14.2988%4,989
Retained earnings to average equity (ytd only)-14.2988%4,965
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio121.1340%75
Assets per employee ($millions)2.5008%4,923
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.6074%4,711
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets81.7972%449
Net loans and leases to deposits106.3791%311
Net loans and leases to core deposits107.9731%769
Total domestic deposits to total assets76.8921%4,335
Equity capital to assets9.8412%3,391
Core capital (leverage) ratio9.9693%2,752
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4040%1,694
Memoranda:
Average total assets$38,330,0004,818
Average earning assets$34,821,0004,810
Average equity$4,158,7504,856
Average total loans$24,273,7504,661
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9361%916
Cost of funding earning assets0.3016%4,478
Net interest margin4.6346%393
Noninterest income to average assets0.1994%4,275
Noninterest expense to average assets5.9554%136
Loan and lease loss provision to assets0.8310%287
Net operating income to assets-2.4154%5,025
Return on assets (ROA)-2.0498%5,016
Pretax return on assets-2.0498%5,009
Return on Equity (ROE)-18.1893%5,029
Retained earnings to average equity (ytd only)-18.1893%5,003
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio136.2484%56
Assets per employee ($millions)2.4809%4,957
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.4561%4,871
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets73.3009%1,509
Net loans and leases to deposits94.8015%889
Net loans and leases to core deposits96.2170%1,561
Total domestic deposits to total assets77.3205%4,278
Equity capital to assets9.2908%3,839
Core capital (leverage) ratio12.3486%1,239
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.7854%1,089
Memoranda:
Average total assets$36,101,6674,863
Average earning assets$32,495,0004,866
Average equity$4,068,3334,891
Average total loans$20,016,3334,771
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2650%3,020
Cost of funding earning assets0.2701%4,734
Net interest margin3.9949%1,404
Noninterest income to average assets0.2011%4,348
Noninterest expense to average assets6.5988%135
Loan and lease loss provision to assets0.9427%235
Net operating income to assets-3.8084%5,086
Return on assets (ROA)-2.9789%5,061
Pretax return on assets-2.9789%5,053
Return on Equity (ROE)-23.5353%5,069
Retained earnings to average equity (ytd only)-23.5353%4,997
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio176.7677%36
Assets per employee ($millions)1.7967%5,038
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.5112%4,859
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets45.1299%4,462
Net loans and leases to deposits51.8583%4,526
Net loans and leases to core deposits52.8116%4,606
Total domestic deposits to total assets87.0254%1,545
Equity capital to assets12.7056%1,618
Core capital (leverage) ratio10.6395%2,802
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.3001%1,099
Memoranda:
Average total assets$31,824,0004,955
Average earning assets$28,136,0004,959
Average equity$4,028,0004,934
Average total loans$13,582,5004,932
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.8210%5,149
Cost of funding earning assets0.0618%5,137
Net interest margin1.7592%5,117
Noninterest income to average assets0.3369%3,691
Noninterest expense to average assets2.6403%3,061
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets-0.7354%5,072
Return on assets (ROA)-0.6188%5,067
Pretax return on assets-0.6188%5,064
Return on Equity (ROE)-6.6732%5,095
Retained earnings to average equity (ytd only)-6.6732%5,021
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio138.6054%52
Assets per employee ($millions)1.9568%5,086
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.0000%5,123
Loan loss allowance to noncurrent loans0.0000%4,605
Noncurrent assets plus other real estate owned to assets1.1818%1,004
Noncurrent loans to loans2.9612%324
Net loans and leases to total assets39.9099%4,734
Net loans and leases to deposits45.7692%4,793
Net loans and leases to core deposits46.6336%4,821
Total domestic deposits to total assets87.1982%1,522
Equity capital to assets12.6070%1,767
Core capital (leverage) ratio10.0294%3,486
Tier 1 risk-based capital ratio18.2363%1,703
Total risk-based capital ratio18.2363%2,005
Memoranda:
Average total assets$30,868,0005,019
Average earning assets$27,513,0005,015
Average equity$2,862,2005,079
Average total loans$12,348,8005,024
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7589%4,715
Cost of funding earning assets0.0826%5,198
Net interest margin3.6763%3,005
Noninterest income to average assets0.5454%2,486
Noninterest expense to average assets5.1036%199
Loan and lease loss provision to assets-1.0562%5,254
Net operating income to assets-0.2251%5,107
Return on assets (ROA)-0.2251%5,113
Pretax return on assets-0.2251%5,108
Return on Equity (ROE)-2.6862%5,133
Retained earnings to average equity (ytd only)-2.6862%4,970
Net charge-offs to loans-0.0107%4,397
Credit loss provision to net charge-offs24,400.0000%9
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio133.5221%60
Assets per employee ($millions)2.6331%5,038
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.0000%5,205
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets35.0476%4,967
Net loans and leases to deposits40.4338%4,982
Net loans and leases to core deposits41.1949%5,010
Total domestic deposits to total assets86.6791%1,692
Equity capital to assets12.1404%2,155
Core capital (leverage) ratio10.0157%3,628
Tier 1 risk-based capital ratio18.7900%1,614
Total risk-based capital ratio18.7900%1,901
Memoranda:
Average total assets$30,801,0005,092
Average earning assets$27,454,2505,091
Average equity$2,581,0005,172
Average total loans$12,373,0005,103
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8167%4,691
Cost of funding earning assets0.0807%5,243
Net interest margin3.7360%2,811
Noninterest income to average assets0.7532%1,509
Noninterest expense to average assets5.1743%197
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets-1.0873%5,228
Return on assets (ROA)-1.0873%5,232
Pretax return on assets-1.0873%5,228
Return on Equity (ROE)-15.3514%5,265
Retained earnings to average equity (ytd only)-15.3514%5,223
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio126.6026%65
Assets per employee ($millions)2.7832%5,024
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans4.0447%60
Loan loss allowance to noncurrent loans1,061.3636%565
Noncurrent assets plus other real estate owned to assets3.4820%146
Noncurrent loans to loans0.3811%3,160
Net loans and leases to total assets36.1881%4,969
Net loans and leases to deposits38.9639%5,064
Net loans and leases to core deposits39.6684%5,084
Total domestic deposits to total assets92.8760%15
Equity capital to assets6.9280%5,270
Core capital (leverage) ratio7.0590%5,263
Tier 1 risk-based capital ratio13.4712%3,599
Total risk-based capital ratio14.7362%3,487
Memoranda:
Average total assets$30,535,6705,137
Average earning assets$27,248,6705,139
Average equity$2,162,6705,242
Average total loans$12,806,0005,140
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9048%4,544
Cost of funding earning assets0.0737%5,313
Net interest margin3.8311%2,416
Noninterest income to average assets0.5771%2,154
Noninterest expense to average assets4.8400%228
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets-0.8526%5,278
Return on assets (ROA)-0.8526%5,274
Pretax return on assets-0.8526%5,268
Return on Equity (ROE)-11.9075%5,307
Retained earnings to average equity (ytd only)-11.9075%5,157
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio121.3816%73
Assets per employee ($millions)2.5494%5,171
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans3.5868%77
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets3.9094%119
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets41.0323%4,861
Net loans and leases to deposits44.2428%4,979
Net loans and leases to core deposits45.0445%5,019
Total domestic deposits to total assets92.7434%29
Equity capital to assets7.0931%5,303
Core capital (leverage) ratio7.4152%5,295
Tier 1 risk-based capital ratio12.8234%3,968
Total risk-based capital ratio14.0861%3,860
Memoranda:
Average total assets$30,496,0005,195
Average earning assets$27,146,0005,197
Average equity$2,183,5005,295
Average total loans$13,436,0005,179
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6510%4,736
Cost of funding earning assets0.0898%5,310
Net interest margin3.5612%3,509
Noninterest income to average assets0.7304%1,730
Noninterest expense to average assets5.3541%163
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets-1.4291%5,360
Return on assets (ROA)-1.4291%5,357
Pretax return on assets-1.4291%5,352
Return on Equity (ROE)-20.1868%5,378
Retained earnings to average equity (ytd only)-20.1868%5,373
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio136.4103%37
Assets per employee ($millions)2.3384%5,255
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans3.3714%90
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets4.4607%87
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets44.0311%4,816
Net loans and leases to deposits47.5387%4,944
Net loans and leases to core deposits48.4069%4,983
Total domestic deposits to total assets92.6215%47
Equity capital to assets7.2272%5,315
Core capital (leverage) ratio7.0442%5,357
Tier 1 risk-based capital ratio12.8633%3,925
Total risk-based capital ratio14.1278%3,816
Memoranda:
Average total assets$34,777,0005,175
Average earning assets$31,197,0005,182
Average equity$2,462,0005,322
Average total loans$15,086,4005,195
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5537%4,868
Cost of funding earning assets0.0910%5,370
Net interest margin3.4627%3,829
Noninterest income to average assets0.7025%1,851
Noninterest expense to average assets4.9806%206
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets-1.1671%5,430
Return on assets (ROA)-1.1671%5,426
Pretax return on assets-1.1671%5,421
Return on Equity (ROE)-16.5593%5,449
Retained earnings to average equity (ytd only)-16.5593%5,431
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio130.6043%40
Assets per employee ($millions)2.6759%5,221
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans3.2143%113
Loan loss allowance to noncurrent loans65.8674%4,075
Noncurrent assets plus other real estate owned to assets5.6515%64
Noncurrent loans to loans4.8799%128
Net loans and leases to total assets40.4231%5,016
Net loans and leases to deposits43.3812%5,125
Net loans and leases to core deposits44.0677%5,165
Total domestic deposits to total assets93.1814%29
Equity capital to assets6.6692%5,416
Core capital (leverage) ratio7.0469%5,426
Tier 1 risk-based capital ratio12.4009%4,253
Total risk-based capital ratio13.6591%4,141
Memoranda:
Average total assets$35,871,5005,223
Average earning assets$32,228,0005,229
Average equity$2,528,2505,388
Average total loans$15,395,0005,248
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5240%4,890
Cost of funding earning assets0.0924%5,420
Net interest margin3.4316%3,855
Noninterest income to average assets0.6679%2,013
Noninterest expense to average assets4.6753%260
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets-0.9329%5,473
Return on assets (ROA)-0.9329%5,467
Pretax return on assets-0.9329%5,467
Return on Equity (ROE)-13.0117%5,486
Retained earnings to average equity (ytd only)-13.0117%5,447
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio124.9263%58
Assets per employee ($millions)3.0079%5,091
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans3.0539%132
Loan loss allowance to noncurrent loans65.7746%4,087
Noncurrent assets plus other real estate owned to assets5.4495%76
Noncurrent loans to loans4.6430%158
Net loans and leases to total assets41.0722%5,022
Net loans and leases to deposits44.1680%5,139
Net loans and leases to core deposits44.8414%5,177
Total domestic deposits to total assets92.9907%33
Equity capital to assets6.8818%5,460
Core capital (leverage) ratio7.3179%5,458
Tier 1 risk-based capital ratio12.3206%4,295
Total risk-based capital ratio13.5812%4,170
Memoranda:
Average total assets$36,233,0005,283
Average earning assets$32,463,0005,286
Average equity$2,597,6705,443
Average total loans$15,683,6705,302
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4719%4,919
Cost of funding earning assets0.0981%5,470
Net interest margin3.3738%3,969
Noninterest income to average assets0.7052%1,805
Noninterest expense to average assets4.7270%256
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets-0.9917%5,531
Return on assets (ROA)-0.9917%5,530
Pretax return on assets-0.9917%5,532
Return on Equity (ROE)-13.5619%5,553
Retained earnings to average equity (ytd only)-13.5619%5,434
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio126.5487%53
Assets per employee ($millions)2.6156%5,363
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans3.0147%156
Loan loss allowance to noncurrent loans61.8543%4,184
Noncurrent assets plus other real estate owned to assets5.4944%84
Noncurrent loans to loans4.8738%161
Net loans and leases to total assets41.0279%5,028
Net loans and leases to deposits44.1817%5,155
Net loans and leases to core deposits44.8464%5,189
Total domestic deposits to total assets92.8616%48
Equity capital to assets7.0264%5,509
Core capital (leverage) ratio7.4953%5,513
Tier 1 risk-based capital ratio12.8988%4,003
Total risk-based capital ratio14.1574%3,890
Memoranda:
Average total assets$36,302,0005,340
Average earning assets$32,604,5005,342
Average equity$2,654,5005,497
Average total loans$15,879,5005,358
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4933%4,798
Cost of funding earning assets0.1212%5,404
Net interest margin3.3721%3,929
Noninterest income to average assets0.6670%2,107
Noninterest expense to average assets4.5191%309
Loan and lease loss provision to assets0.1089%2,068
Net operating income to assets-0.9310%5,575
Return on assets (ROA)-0.8902%5,573
Pretax return on assets-0.8902%5,585
Return on Equity (ROE)-11.1353%5,599
Retained earnings to average equity (ytd only)-11.1353%5,548
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio122.2386%58
Assets per employee ($millions)2.5704%5,432
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans2.8707%164
Loan loss allowance to noncurrent loans50.5959%4,470
Noncurrent assets plus other real estate owned to assets5.5940%75
Noncurrent loans to loans5.6737%101
Net loans and leases to total assets43.9100%4,980
Net loans and leases to deposits47.5733%5,139
Net loans and leases to core deposits48.3063%5,184
Total domestic deposits to total assets92.2996%60
Equity capital to assets7.6032%5,521
Core capital (leverage) ratio7.8122%5,493
Tier 1 risk-based capital ratio12.9781%3,914
Total risk-based capital ratio14.2362%3,811
Memoranda:
Average total assets$36,732,8005,385
Average earning assets$33,005,8005,386
Average equity$2,936,6005,536
Average total loans$16,550,8005,405
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5152%4,775
Cost of funding earning assets0.1245%5,456
Net interest margin3.3907%3,877
Noninterest income to average assets0.6212%2,355
Noninterest expense to average assets4.2903%378
Loan and lease loss provision to assets0.1444%1,457
Net operating income to assets-0.7656%5,657
Return on assets (ROA)-0.7656%5,659
Pretax return on assets-0.7656%5,651
Return on Equity (ROE)-9.4638%5,667
Retained earnings to average equity (ytd only)-9.4638%5,606
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio116.9291%70
Assets per employee ($millions)2.8352%5,371
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans2.8505%181
Loan loss allowance to noncurrent loans53.1891%4,485
Noncurrent assets plus other real estate owned to assets5.4479%86
Noncurrent loans to loans5.3592%136
Net loans and leases to total assets43.1819%5,067
Net loans and leases to deposits46.9443%5,228
Net loans and leases to core deposits47.6513%5,266
Total domestic deposits to total assets91.9855%60
Equity capital to assets7.8897%5,546
Core capital (leverage) ratio8.1075%5,471
Tier 1 risk-based capital ratio13.1166%3,930
Total risk-based capital ratio14.3743%3,831
Memoranda:
Average total assets$36,919,7505,439
Average earning assets$33,188,0005,443
Average equity$2,986,7505,595
Average total loans$16,621,5005,463
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3502%5,031
Cost of funding earning assets0.1263%5,473
Net interest margin3.2239%4,340
Noninterest income to average assets0.6010%2,447
Noninterest expense to average assets4.1689%430
Loan and lease loss provision to assets0.2166%819
Net operating income to assets-0.8825%5,711
Return on assets (ROA)-0.8825%5,710
Pretax return on assets-0.8825%5,703
Return on Equity (ROE)-10.8198%5,723
Retained earnings to average equity (ytd only)-10.8198%5,664
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio119.0108%69
Assets per employee ($millions)2.7885%5,429
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans2.7914%204
Loan loss allowance to noncurrent loans44.9904%4,694
Noncurrent assets plus other real estate owned to assets5.9807%76
Noncurrent loans to loans6.2044%95
Net loans and leases to total assets44.8634%5,003
Net loans and leases to deposits48.9407%5,177
Net loans and leases to core deposits49.6929%5,236
Total domestic deposits to total assets91.6690%108
Equity capital to assets8.1876%5,454
Core capital (leverage) ratio8.1699%5,446
Tier 1 risk-based capital ratio13.5073%3,700
Total risk-based capital ratio14.7675%3,608
Memoranda:
Average total assets$36,940,3305,481
Average earning assets$33,251,6705,487
Average equity$3,013,0005,635
Average total loans$16,701,0005,505
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3171%5,078
Cost of funding earning assets0.1308%5,483
Net interest margin3.1863%4,385
Noninterest income to average assets0.6862%2,022
Noninterest expense to average assets4.0530%510
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets-0.4932%5,738
Return on assets (ROA)-0.4932%5,735
Pretax return on assets-0.4932%5,727
Return on Equity (ROE)-6.0219%5,746
Retained earnings to average equity (ytd only)-6.0219%5,445
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio113.8554%92
Assets per employee ($millions)2.6840%5,547
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans2.5729%291
Loan loss allowance to noncurrent loans41.0577%4,836
Noncurrent assets plus other real estate owned to assets5.8016%90
Noncurrent loans to loans6.2666%103
Net loans and leases to total assets43.0301%5,100
Net loans and leases to deposits46.8966%5,269
Net loans and leases to core deposits47.5909%5,316
Total domestic deposits to total assets91.7554%135
Equity capital to assets8.1488%5,447
Core capital (leverage) ratio8.3854%5,320
Tier 1 risk-based capital ratio13.9449%3,517
Total risk-based capital ratio15.2025%3,421
Memoranda:
Average total assets$37,305,5005,538
Average earning assets$33,644,0005,545
Average equity$3,055,5005,695
Average total loans$16,686,5005,562
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3113%5,142
Cost of funding earning assets0.1283%5,563
Net interest margin3.1830%4,491
Noninterest income to average assets0.6128%2,594
Noninterest expense to average assets4.0644%550
Loan and lease loss provision to assets0.6986%175
Net operating income to assets-1.2919%5,850
Return on assets (ROA)-1.2919%5,851
Pretax return on assets-1.2919%5,845
Return on Equity (ROE)-14.4542%5,861
Retained earnings to average equity (ytd only)-14.4542%5,825
Net charge-offs to loans2.7141%44
Credit loss provision to net charge-offs58.0448%3,278
Earnings coverage of net charge-offs (x)-0.4929%4,158
Efficiency ratio117.0904%92
Assets per employee ($millions)2.8488%5,455
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans2.5452%290
Loan loss allowance to noncurrent loans48.4127%4,710
Noncurrent assets plus other real estate owned to assets5.4597%104
Noncurrent loans to loans5.2572%144
Net loans and leases to total assets44.1474%5,107
Net loans and leases to deposits48.1619%5,289
Net loans and leases to core deposits48.5235%5,351
Total domestic deposits to total assets91.6646%141
Equity capital to assets8.2328%5,454
Core capital (leverage) ratio8.1166%5,548
Tier 1 risk-based capital ratio14.3717%3,248
Total risk-based capital ratio15.6260%3,179
Memoranda:
Average total assets$40,793,4005,526
Average earning assets$36,632,4005,532
Average equity$3,646,0005,684
Average total loans$18,090,8005,574
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3070%5,208
Cost of funding earning assets0.1284%5,626
Net interest margin3.1786%4,549
Noninterest income to average assets0.5495%2,919
Noninterest expense to average assets3.9169%656
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets-0.5208%5,861
Return on assets (ROA)-0.5208%5,863
Pretax return on assets-0.5208%5,853
Return on Equity (ROE)-5.7264%5,874
Retained earnings to average equity (ytd only)-5.7264%5,755
Net charge-offs to loans0.4126%521
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)-2.8596%3,879
Efficiency ratio115.3340%98
Assets per employee ($millions)2.9954%5,398
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans3.2995%136
Loan loss allowance to noncurrent loans44.0704%4,879
Noncurrent assets plus other real estate owned to assets6.0974%99
Noncurrent loans to loans7.4870%73
Net loans and leases to total assets40.2542%5,364
Net loans and leases to deposits44.2687%5,506
Net loans and leases to core deposits45.1641%5,544
Total domestic deposits to total assets90.9314%207
Equity capital to assets8.8802%5,260
Core capital (leverage) ratio8.8714%4,980
Tier 1 risk-based capital ratio15.0054%3,046
Total risk-based capital ratio16.2678%2,975
Memoranda:
Average total assets$41,733,0005,567
Average earning assets$37,374,0005,576
Average equity$3,795,2505,730
Average total loans$18,419,2505,616
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3770%5,131
Cost of funding earning assets0.1276%5,709
Net interest margin3.2494%4,382
Noninterest income to average assets0.5472%2,914
Noninterest expense to average assets3.7057%873
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets-0.2256%5,855
Return on assets (ROA)-0.2256%5,870
Pretax return on assets-0.2256%5,863
Return on Equity (ROE)-2.4614%5,881
Retained earnings to average equity (ytd only)-2.4614%5,580
Net charge-offs to loans0.4055%561
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)-1.2368%3,593
Efficiency ratio106.4828%169
Assets per employee ($millions)2.9460%5,484
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans3.2988%146
Loan loss allowance to noncurrent loans40.9780%5,031
Noncurrent assets plus other real estate owned to assets6.0300%105
Noncurrent loans to loans8.0501%69
Net loans and leases to total assets42.2898%5,325
Net loans and leases to deposits46.7126%5,472
Net loans and leases to core deposits47.6766%5,508
Total domestic deposits to total assets90.5320%307
Equity capital to assets9.2886%4,985
Core capital (leverage) ratio9.0013%4,830
Tier 1 risk-based capital ratio15.4001%2,902
Total risk-based capital ratio16.6639%2,828
Memoranda:
Average total assets$41,665,3305,631
Average earning assets$37,607,0005,639
Average equity$3,819,0005,790
Average total loans$18,740,0005,674
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4758%4,947
Cost of funding earning assets0.1256%5,784
Net interest margin3.3501%4,040
Noninterest income to average assets0.4872%3,215
Noninterest expense to average assets3.6202%991
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets-0.0764%5,833
Return on assets (ROA)-0.0764%5,850
Pretax return on assets-0.0764%5,850
Return on Equity (ROE)-0.8392%5,864
Retained earnings to average equity (ytd only)-0.8392%5,258
Net charge-offs to loans0.0419%2,167
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)-4.0000%3,035
Efficiency ratio102.1563%238
Assets per employee ($millions)2.9976%5,507
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans3.3509%158
Loan loss allowance to noncurrent loans43.4274%4,984
Noncurrent assets plus other real estate owned to assets5.9286%120
Noncurrent loans to loans7.7160%77
Net loans and leases to total assets43.3684%5,281
Net loans and leases to deposits47.8456%5,424
Net loans and leases to core deposits48.8145%5,483
Total domestic deposits to total assets90.6424%384
Equity capital to assets9.2003%4,988
Core capital (leverage) ratio9.0927%4,743
Tier 1 risk-based capital ratio15.3890%2,975
Total risk-based capital ratio16.6552%2,907
Memoranda:
Average total assets$41,876,0005,678
Average earning assets$38,207,5005,678
Average equity$3,813,0005,840
Average total loans$19,091,5005,717
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2475%5,435
Cost of funding earning assets0.1288%5,824
Net interest margin3.1188%4,855
Noninterest income to average assets0.5945%2,747
Noninterest expense to average assets4.1217%588
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets-0.6928%6,073
Return on assets (ROA)-0.6928%6,075
Pretax return on assets-0.6928%6,068
Return on Equity (ROE)-7.4007%6,076
Retained earnings to average equity (ytd only)-7.4007%5,990
Net charge-offs to loans0.0940%2,483
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)-16.4444%4,436
Efficiency ratio120.2048%91
Assets per employee ($millions)2.9847%5,530
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans3.2710%163
Loan loss allowance to noncurrent loans32.8831%5,268
Noncurrent assets plus other real estate owned to assets6.7750%110
Noncurrent loans to loans9.9473%45
Net loans and leases to total assets44.7973%5,237
Net loans and leases to deposits49.3072%5,424
Net loans and leases to core deposits50.3064%5,487
Total domestic deposits to total assets90.8534%318
Equity capital to assets9.0102%5,109
Core capital (leverage) ratio9.0440%4,826
Tier 1 risk-based capital ratio14.8815%3,228
Total risk-based capital ratio16.1465%3,156
Memoranda:
Average total assets$42,725,0005,711
Average earning assets$38,829,6005,708
Average equity$3,999,6005,851
Average total loans$19,155,2005,753
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2252%5,551
Cost of funding earning assets0.1301%5,915
Net interest margin3.0951%4,976
Noninterest income to average assets0.5400%3,103
Noninterest expense to average assets3.8547%785
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets-0.5090%6,139
Return on assets (ROA)-0.5090%6,142
Pretax return on assets-0.5090%6,136
Return on Equity (ROE)-5.3880%6,143
Retained earnings to average equity (ytd only)-5.3880%6,032
Net charge-offs to loans0.0209%3,518
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)-54.6650%4,171
Efficiency ratio115.2134%115
Assets per employee ($millions)2.9746%5,575
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans3.3559%169
Loan loss allowance to noncurrent loans33.7852%5,362
Noncurrent assets plus other real estate owned to assets6.9684%111
Noncurrent loans to loans9.9332%41
Net loans and leases to total assets44.8097%5,302
Net loans and leases to deposits49.6647%5,487
Net loans and leases to core deposits50.6817%5,554
Total domestic deposits to total assets90.2245%494
Equity capital to assets9.6386%4,592
Core capital (leverage) ratio9.2579%4,649
Tier 1 risk-based capital ratio15.3534%3,113
Total risk-based capital ratio16.6185%3,038
Memoranda:
Average total assets$42,959,7505,780
Average earning assets$38,942,5005,779
Average equity$4,058,2505,921
Average total loans$19,106,0005,826
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1306%5,704
Cost of funding earning assets0.1323%5,969
Net interest margin2.9982%5,224
Noninterest income to average assets0.4378%3,795
Noninterest expense to average assets3.9910%679
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets-0.8387%6,248
Return on assets (ROA)-0.8387%6,252
Pretax return on assets-0.8387%6,239
Return on Equity (ROE)-8.9369%6,249
Retained earnings to average equity (ytd only)-8.9369%6,155
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio126.6082%87
Assets per employee ($millions)3.0576%5,517
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans3.2837%196
Loan loss allowance to noncurrent loans31.1334%5,483
Noncurrent assets plus other real estate owned to assets7.4170%108
Noncurrent loans to loans10.5473%44
Net loans and leases to total assets44.7917%5,325
Net loans and leases to deposits49.4048%5,538
Net loans and leases to core deposits50.3823%5,596
Total domestic deposits to total assets90.6627%395
Equity capital to assets9.2111%5,003
Core capital (leverage) ratio9.1027%4,814
Tier 1 risk-based capital ratio15.1166%3,292
Total risk-based capital ratio16.3796%3,226
Memoranda:
Average total assets$43,398,0005,832
Average earning assets$39,290,0005,833
Average equity$4,073,0005,982
Average total loans$19,038,3305,887
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0533%5,837
Cost of funding earning assets0.1415%5,986
Net interest margin2.9118%5,429
Noninterest income to average assets0.4852%3,390
Noninterest expense to average assets3.7809%900
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets-0.6591%6,273
Return on assets (ROA)-0.6591%6,277
Pretax return on assets-0.6591%6,264
Return on Equity (ROE)-6.9599%6,292
Retained earnings to average equity (ytd only)-6.9599%6,037
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio121.1144%122
Assets per employee ($millions)2.9228%5,763
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans3.4722%185
Loan loss allowance to noncurrent loans32.8449%5,480
Noncurrent assets plus other real estate owned to assets7.2898%120
Noncurrent loans to loans10.5716%53
Net loans and leases to total assets41.2162%5,533
Net loans and leases to deposits45.5784%5,671
Net loans and leases to core deposits46.4608%5,732
Total domestic deposits to total assets90.4293%552
Equity capital to assets9.4407%4,820
Core capital (leverage) ratio9.2858%4,599
Tier 1 risk-based capital ratio16.6377%2,619
Total risk-based capital ratio17.9029%2,566
Memoranda:
Average total assets$43,693,5005,877
Average earning assets$39,563,5005,880
Average equity$4,138,0006,023
Average total loans$18,645,0005,951
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3095%5,690
Cost of funding earning assets0.2401%5,423
Net interest margin3.0694%5,278
Noninterest income to average assets0.4860%3,615
Noninterest expense to average assets4.1253%664
Loan and lease loss provision to assets0.4563%364
Net operating income to assets-1.2960%6,412
Return on assets (ROA)-1.2960%6,413
Pretax return on assets-1.2960%6,405
Return on Equity (ROE)-13.0037%6,395
Retained earnings to average equity (ytd only)-13.0037%6,361
Net charge-offs to loans1.1188%251
Credit loss provision to net charge-offs90.9091%2,628
Earnings coverage of net charge-offs (x)-1.6727%4,827
Efficiency ratio125.5556%104
Assets per employee ($millions)2.9030%5,824
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans3.5003%183
Loan loss allowance to noncurrent loans39.8529%5,379
Noncurrent assets plus other real estate owned to assets6.7608%161
Noncurrent loans to loans8.7830%89
Net loans and leases to total assets41.1528%5,681
Net loans and leases to deposits45.5354%5,815
Net loans and leases to core deposits46.4225%5,870
Total domestic deposits to total assets90.3755%585
Equity capital to assets9.5005%4,724
Core capital (leverage) ratio9.4982%4,239
Tier 1 risk-based capital ratio17.1331%2,460
Total risk-based capital ratio18.4005%2,408
Memoranda:
Average total assets$43,826,8005,933
Average earning assets$39,975,4005,919
Average equity$4,368,0006,018
Average total loans$19,664,6005,975
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2972%5,779
Cost of funding earning assets0.2631%5,274
Net interest margin3.0341%5,424
Noninterest income to average assets0.4465%3,919
Noninterest expense to average assets4.0184%739
Loan and lease loss provision to assets0.6075%219
Net operating income to assets-1.4123%6,499
Return on assets (ROA)-1.4123%6,495
Pretax return on assets-1.4123%6,483
Return on Equity (ROE)-14.0085%6,485
Retained earnings to average equity (ytd only)-14.0085%6,436
Net charge-offs to loans1.4712%164
Credit loss provision to net charge-offs90.9091%2,408
Earnings coverage of net charge-offs (x)-1.2045%4,535
Efficiency ratio125.0473%109
Assets per employee ($millions)3.2916%5,252
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans3.3667%255
Loan loss allowance to noncurrent loans30.8935%5,695
Noncurrent assets plus other real estate owned to assets7.9853%132
Noncurrent loans to loans10.8976%63
Net loans and leases to total assets43.6003%5,546
Net loans and leases to deposits48.4132%5,743
Net loans and leases to core deposits49.3767%5,819
Total domestic deposits to total assets90.0587%709
Equity capital to assets9.8081%4,411
Core capital (leverage) ratio9.6786%4,116
Tier 1 risk-based capital ratio17.2861%2,483
Total risk-based capital ratio18.5388%2,439
Memoranda:
Average total assets$43,897,2506,000
Average earning assets$40,032,7505,987
Average equity$4,425,7506,065
Average total loans$19,938,2506,029
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3455%5,721
Cost of funding earning assets0.2780%5,215
Net interest margin3.0676%5,353
Noninterest income to average assets0.5467%3,153
Noninterest expense to average assets3.9308%827
Loan and lease loss provision to assets0.9036%126
Net operating income to assets-1.4955%6,572
Return on assets (ROA)-1.4955%6,571
Pretax return on assets-1.4955%6,558
Return on Equity (ROE)-14.7046%6,547
Retained earnings to average equity (ytd only)-14.7046%6,489
Net charge-offs to loans2.1838%97
Credit loss provision to net charge-offs90.9091%2,158
Earnings coverage of net charge-offs (x)-0.5955%4,185
Efficiency ratio117.7267%158
Assets per employee ($millions)2.7618%6,073
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans3.3393%269
Loan loss allowance to noncurrent loans30.9229%5,751
Noncurrent assets plus other real estate owned to assets7.7668%146
Noncurrent loans to loans10.7989%64
Net loans and leases to total assets42.5794%5,639
Net loans and leases to deposits47.3072%5,809
Net loans and leases to core deposits47.9095%5,906
Total domestic deposits to total assets90.0063%808
Equity capital to assets9.8669%4,275
Core capital (leverage) ratio9.7938%3,895
Tier 1 risk-based capital ratio17.6081%2,381
Total risk-based capital ratio18.8751%2,346
Memoranda:
Average total assets$44,266,0006,054
Average earning assets$40,292,3306,037
Average equity$4,502,0006,093
Average total loans$20,148,6706,071
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3413%5,766
Cost of funding earning assets0.2784%5,298
Net interest margin3.0628%5,353
Noninterest income to average assets0.4966%3,436
Noninterest expense to average assets4.1530%639
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets-0.8757%6,555
Return on assets (ROA)-0.8757%6,552
Pretax return on assets-0.8757%6,542
Return on Equity (ROE)-8.4846%6,539
Retained earnings to average equity (ytd only)-8.4846%6,304
Net charge-offs to loans0.1171%2,022
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)-16.1667%3,613
Efficiency ratio126.7218%141
Assets per employee ($millions)2.7828%6,120
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans3.2796%334
Loan loss allowance to noncurrent loans36.2595%5,687
Noncurrent assets plus other real estate owned to assets7.1353%213
Noncurrent loans to loans9.0447%126
Net loans and leases to total assets44.0472%5,509
Net loans and leases to deposits49.1233%5,660
Net loans and leases to core deposits49.1233%5,818
Total domestic deposits to total assets89.6665%1,264
Equity capital to assets10.2100%3,585
Core capital (leverage) ratio10.3025%3,172
Tier 1 risk-based capital ratio17.8564%2,354
Total risk-based capital ratio19.1224%2,324
Memoranda:
Average total assets$44,305,0006,109
Average earning assets$40,224,0006,095
Average equity$4,573,0006,107
Average total loans$20,490,5006,117
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6669%5,229
Cost of funding earning assets0.4408%4,209
Net interest margin3.2260%4,909
Noninterest income to average assets1.4670%650
Noninterest expense to average assets4.2277%680
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.1640%5,909
Return on assets (ROA)0.1640%5,975
Pretax return on assets0.1640%5,998
Return on Equity (ROE)1.5062%5,984
Retained earnings to average equity (ytd only)1.5062%5,142
Net charge-offs to loans1.4684%328
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)0.2076%5,018
Efficiency ratio96.2651%627
Assets per employee ($millions)2.7553%6,161
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans3.2409%355
Loan loss allowance to noncurrent loans25.9173%6,054
Noncurrent assets plus other real estate owned to assets8.6923%164
Noncurrent loans to loans12.5048%61
Net loans and leases to total assets45.4418%5,538
Net loans and leases to deposits50.8336%5,704
Net loans and leases to core deposits50.8336%5,883
Total domestic deposits to total assets89.3932%1,386
Equity capital to assets10.4344%3,244
Core capital (leverage) ratio10.6606%2,718
Tier 1 risk-based capital ratio18.2191%2,176
Total risk-based capital ratio19.4878%2,129
Memoranda:
Average total assets$43,285,6006,192
Average earning assets$39,243,4006,193
Average equity$4,714,0006,141
Average total loans$23,291,0006,068
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7508%5,033
Cost of funding earning assets0.4826%3,938
Net interest margin3.2683%4,756
Noninterest income to average assets1.7639%499
Noninterest expense to average assets4.0879%779
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.6313%4,208
Return on assets (ROA)0.6313%4,331
Pretax return on assets0.6313%4,910
Return on Equity (ROE)5.7352%4,323
Retained earnings to average equity (ytd only)5.7352%2,574
Net charge-offs to loans1.5595%285
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)0.7286%4,605
Efficiency ratio86.6230%1,303
Assets per employee ($millions)2.5529%6,426
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans3.4020%370
Loan loss allowance to noncurrent loans28.1815%6,044
Noncurrent assets plus other real estate owned to assets8.7880%187
Noncurrent loans to loans12.0718%84
Net loans and leases to total assets47.9562%5,349
Net loans and leases to deposits53.9351%5,543
Net loans and leases to core deposits53.9351%5,767
Total domestic deposits to total assets88.9147%1,606
Equity capital to assets10.8940%2,864
Core capital (leverage) ratio11.0738%2,408
Tier 1 risk-based capital ratio18.4861%2,146
Total risk-based capital ratio19.7541%2,113
Memoranda:
Average total assets$43,085,7506,267
Average earning assets$38,959,2506,267
Average equity$4,742,5006,211
Average total loans$23,937,7506,096
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0336%3,990
Cost of funding earning assets0.4958%3,937
Net interest margin3.5378%3,622
Noninterest income to average assets1.9730%454
Noninterest expense to average assets3.9878%877
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.1726%1,662
Return on assets (ROA)1.1726%1,771
Pretax return on assets1.1726%2,797
Return on Equity (ROE)10.6165%1,961
Retained earnings to average equity (ytd only)10.6165%718
Net charge-offs to loans2.2640%177
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)0.9000%4,225
Efficiency ratio77.2768%2,580
Assets per employee ($millions)2.7300%6,252
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans3.2097%480
Loan loss allowance to noncurrent loans43.2704%5,479
Noncurrent assets plus other real estate owned to assets7.1177%331
Noncurrent loans to loans7.4178%302
Net loans and leases to total assets50.6044%5,047
Net loans and leases to deposits56.9794%5,250
Net loans and leases to core deposits56.9794%5,525
Total domestic deposits to total assets88.8118%1,725
Equity capital to assets11.0348%2,717
Core capital (leverage) ratio11.3565%2,050
Tier 1 risk-based capital ratio17.8923%2,352
Total risk-based capital ratio19.1590%2,314
Memoranda:
Average total assets$42,981,0006,316
Average earning assets$38,724,3306,323
Average equity$4,747,3306,257
Average total loans$24,735,0006,080
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0704%3,842
Cost of funding earning assets0.4868%4,212
Net interest margin3.5836%3,327
Noninterest income to average assets0.4973%3,788
Noninterest expense to average assets3.7343%1,196
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.0094%6,328
Return on assets (ROA)0.0094%6,405
Pretax return on assets0.0094%6,398
Return on Equity (ROE)0.0849%6,408
Retained earnings to average equity (ytd only)0.0849%5,749
Net charge-offs to loans0.3582%1,568
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)0.0435%3,815
Efficiency ratio99.7494%553
Assets per employee ($millions)2.5101%6,577
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans3.8940%314
Loan loss allowance to noncurrent loans43.7666%5,437
Noncurrent assets plus other real estate owned to assets8.6171%274
Noncurrent loans to loans8.8971%271
Net loans and leases to total assets57.2614%3,876
Net loans and leases to deposits64.9858%4,188
Net loans and leases to core deposits64.9858%4,652
Total domestic deposits to total assets88.1137%2,250
Equity capital to assets11.0661%2,883
Core capital (leverage) ratio10.7053%2,546
Tier 1 risk-based capital ratio16.0184%3,258
Total risk-based capital ratio17.2941%3,198
Memoranda:
Average total assets$42,631,5006,382
Average earning assets$38,620,5006,378
Average equity$4,711,0006,331
Average total loans$25,684,0006,082
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2982%4,195
Cost of funding earning assets0.5629%4,705
Net interest margin3.7353%3,499
Noninterest income to average assets0.7125%2,657
Noninterest expense to average assets4.0602%910
Loan and lease loss provision to assets0.8403%565
Net operating income to assets-0.7977%6,677
Return on assets (ROA)-0.7977%6,697
Pretax return on assets-0.7977%6,673
Return on Equity (ROE)-7.0979%6,660
Retained earnings to average equity (ytd only)-7.0979%6,534
Net charge-offs to loans0.0981%4,683
Credit loss provision to net charge-offs1,388.8889%181
Earnings coverage of net charge-offs (x)0.7037%5,130
Efficiency ratio98.9623%595
Assets per employee ($millions)2.8395%6,259
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans3.9046%306
Loan loss allowance to noncurrent loans43.7959%5,444
Noncurrent assets plus other real estate owned to assets8.7223%294
Noncurrent loans to loans8.9154%299
Net loans and leases to total assets58.5345%3,873
Net loans and leases to deposits66.4490%4,218
Net loans and leases to core deposits66.4490%4,695
Total domestic deposits to total assets88.0893%2,179
Equity capital to assets11.0349%2,905
Core capital (leverage) ratio10.6377%2,610
Tier 1 risk-based capital ratio15.9141%3,207
Total risk-based capital ratio17.1918%3,153
Memoranda:
Average total assets$44,628,8006,357
Average earning assets$40,505,0006,346
Average equity$5,015,6006,282
Average total loans$27,529,2006,060
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3214%4,363
Cost of funding earning assets0.5820%4,825
Net interest margin3.7394%3,611
Noninterest income to average assets0.8123%2,183
Noninterest expense to average assets3.7750%1,253
Loan and lease loss provision to assets1.1077%349
Net operating income to assets-0.6735%6,767
Return on assets (ROA)-0.6735%6,795
Pretax return on assets-0.6735%6,773
Return on Equity (ROE)-5.9670%6,752
Retained earnings to average equity (ytd only)-5.9670%6,670
Net charge-offs to loans0.1289%4,091
Credit loss provision to net charge-offs1,388.8889%204
Earnings coverage of net charge-offs (x)5.4444%3,025
Efficiency ratio89.6842%1,067
Assets per employee ($millions)2.7529%6,424
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.7470%378
Loan loss allowance to noncurrent loans46.8115%5,296
Noncurrent assets plus other real estate owned to assets8.1483%372
Noncurrent loans to loans8.0044%390
Net loans and leases to total assets59.0791%3,951
Net loans and leases to deposits67.0618%4,329
Net loans and leases to core deposits67.0618%4,833
Total domestic deposits to total assets88.0965%1,992
Equity capital to assets11.0952%3,157
Core capital (leverage) ratio10.7392%2,666
Tier 1 risk-based capital ratio15.8473%3,352
Total risk-based capital ratio17.1232%3,308
Memoranda:
Average total assets$45,138,0006,422
Average earning assets$41,004,2506,400
Average equity$5,094,5006,336
Average total loans$27,925,5006,112
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3222%4,480
Cost of funding earning assets0.6140%4,773
Net interest margin3.7082%3,780
Noninterest income to average assets0.7560%2,391
Noninterest expense to average assets3.5911%1,596
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.5362%4,649
Return on assets (ROA)0.5362%4,923
Pretax return on assets0.5362%5,350
Return on Equity (ROE)4.7253%4,946
Retained earnings to average equity (ytd only)4.7253%3,462
Net charge-offs to loans0.0283%4,981
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)30.5000%1,054
Efficiency ratio87.0075%1,338
Assets per employee ($millions)2.6490%6,602
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.3979%1,416
Loan loss allowance to noncurrent loans31.7026%6,075
Noncurrent assets plus other real estate owned to assets7.7943%449
Noncurrent loans to loans7.5637%477
Net loans and leases to total assets59.7451%3,870
Net loans and leases to deposits68.2141%4,161
Net loans and leases to core deposits68.2141%4,759
Total domestic deposits to total assets87.5847%2,409
Equity capital to assets11.6315%2,464
Core capital (leverage) ratio11.1916%2,130
Tier 1 risk-based capital ratio16.5851%2,867
Total risk-based capital ratio17.8448%2,822
Memoranda:
Average total assets$45,502,0006,449
Average earning assets$41,367,6706,435
Average equity$5,163,6706,346
Average total loans$28,222,3306,142
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7032%3,045
Cost of funding earning assets0.6264%4,926
Net interest margin4.0767%2,191
Noninterest income to average assets0.4898%3,978
Noninterest expense to average assets3.5595%1,647
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.6297%4,220
Return on assets (ROA)0.6297%4,429
Pretax return on assets0.6297%5,015
Return on Equity (ROE)5.6179%4,489
Retained earnings to average equity (ytd only)5.6179%3,189
Net charge-offs to loans0.0420%4,110
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)24.0000%1,072
Efficiency ratio84.9687%1,584
Assets per employee ($millions)2.6945%6,644
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.3577%1,579
Loan loss allowance to noncurrent loans87.3351%3,419
Noncurrent assets plus other real estate owned to assets4.9054%1,074
Noncurrent loans to loans2.6996%2,419
Net loans and leases to total assets59.8511%3,702
Net loans and leases to deposits68.1481%4,033
Net loans and leases to core deposits68.7238%4,599
Total domestic deposits to total assets87.8250%2,436
Equity capital to assets11.2734%2,652
Core capital (leverage) ratio11.0436%2,223
Tier 1 risk-based capital ratio16.1158%3,113
Total risk-based capital ratio17.3777%3,076
Memoranda:
Average total assets$45,736,5006,489
Average earning assets$41,504,0006,470
Average equity$5,126,5006,388
Average total loans$28,550,5006,179
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7102%4,198
Cost of funding earning assets0.9070%4,071
Net interest margin3.8032%3,800
Noninterest income to average assets1.2088%905
Noninterest expense to average assets4.1305%879
Loan and lease loss provision to assets0.8837%1,095
Net operating income to assets-0.3469%6,380
Return on assets (ROA)-0.3469%6,430
Pretax return on assets-0.3469%6,381
Return on Equity (ROE)-3.1084%6,421
Retained earnings to average equity (ytd only)-3.1084%6,288
Net charge-offs to loans0.8411%2,062
Credit loss provision to net charge-offs158.8235%1,744
Earnings coverage of net charge-offs (x)0.9647%5,077
Efficiency ratio88.4993%1,318
Assets per employee ($millions)2.8541%6,372
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.2913%1,627
Loan loss allowance to noncurrent loans72.5191%3,949
Noncurrent assets plus other real estate owned to assets5.0782%1,046
Noncurrent loans to loans3.1596%2,050
Net loans and leases to total assets62.0987%3,588
Net loans and leases to deposits70.6319%4,000
Net loans and leases to core deposits71.2280%4,629
Total domestic deposits to total assets87.9188%2,211
Equity capital to assets11.1440%2,849
Core capital (leverage) ratio10.7851%2,445
Tier 1 risk-based capital ratio15.4673%3,351
Total risk-based capital ratio16.7291%3,296
Memoranda:
Average total assets$45,830,0006,483
Average earning assets$41,675,2006,474
Average equity$5,115,2006,406
Average total loans$30,319,0006,142
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5901%4,902
Cost of funding earning assets0.9621%3,943
Net interest margin3.6280%4,664
Noninterest income to average assets1.0493%1,219
Noninterest expense to average assets3.4909%1,961
Loan and lease loss provision to assets1.1772%671
Net operating income to assets-0.3197%6,518
Return on assets (ROA)-0.3197%6,570
Pretax return on assets-0.3197%6,511
Return on Equity (ROE)-2.8635%6,550
Retained earnings to average equity (ytd only)-2.8635%6,403
Net charge-offs to loans1.1182%1,415
Credit loss provision to net charge-offs157.5875%1,969
Earnings coverage of net charge-offs (x)1.1478%4,764
Efficiency ratio80.2807%2,219
Assets per employee ($millions)2.7378%6,599
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.2240%1,814
Loan loss allowance to noncurrent loans72.7473%3,854
Noncurrent assets plus other real estate owned to assets4.9674%1,166
Noncurrent loans to loans3.0572%2,267
Net loans and leases to total assets62.5314%3,605
Net loans and leases to deposits71.1137%4,121
Net loans and leases to core deposits71.7024%4,751
Total domestic deposits to total assets87.9316%2,072
Equity capital to assets11.1273%3,028
Core capital (leverage) ratio10.7420%2,624
Tier 1 risk-based capital ratio15.2906%3,498
Total risk-based capital ratio16.5500%3,462
Memoranda:
Average total assets$45,871,0006,542
Average earning assets$41,712,0006,523
Average equity$5,121,7506,460
Average total loans$30,643,0006,192
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5792%5,056
Cost of funding earning assets1.0074%3,906
Net interest margin3.5717%4,831
Noninterest income to average assets1.4590%600
Noninterest expense to average assets3.4044%2,245
Loan and lease loss provision to assets1.2049%645
Net operating income to assets0.0964%6,029
Return on assets (ROA)0.0964%6,107
Pretax return on assets0.0964%6,109
Return on Equity (ROE)0.8623%6,119
Retained earnings to average equity (ytd only)0.8623%5,524
Net charge-offs to loans0.8405%1,819
Credit loss provision to net charge-offs211.5385%1,425
Earnings coverage of net charge-offs (x)2.2846%3,686
Efficiency ratio72.3464%3,664
Assets per employee ($millions)2.4447%6,973
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.2070%1,907
Loan loss allowance to noncurrent loans50.0380%5,022
Noncurrent assets plus other real estate owned to assets5.3909%1,102
Noncurrent loans to loans4.4106%1,520
Net loans and leases to total assets62.8668%3,706
Net loans and leases to deposits71.5974%4,186
Net loans and leases to core deposits72.1868%4,789
Total domestic deposits to total assets87.8060%2,275
Equity capital to assets11.2209%2,747
Core capital (leverage) ratio11.0713%2,191
Tier 1 risk-based capital ratio15.7546%3,103
Total risk-based capital ratio17.0130%3,079
Memoranda:
Average total assets$45,647,0006,603
Average earning assets$41,492,3306,584
Average equity$5,102,6706,503
Average total loans$30,935,3306,245
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5884%5,000
Cost of funding earning assets1.0131%4,103
Net interest margin3.5752%4,684
Noninterest income to average assets0.3359%5,220
Noninterest expense to average assets3.4301%2,194
Loan and lease loss provision to assets2.4312%210
Net operating income to assets-2.2809%7,317
Return on assets (ROA)-2.2809%7,316
Pretax return on assets-2.2809%7,296
Return on Equity (ROE)-20.4437%7,223
Retained earnings to average equity (ytd only)-20.4437%7,161
Net charge-offs to loans1.6903%781
Credit loss provision to net charge-offs206.7669%1,439
Earnings coverage of net charge-offs (x)0.1278%4,504
Efficiency ratio95.8025%930
Assets per employee ($millions)2.5239%6,956
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.1368%2,105
Loan loss allowance to noncurrent loans49.8102%5,029
Noncurrent assets plus other real estate owned to assets5.5272%1,094
Noncurrent loans to loans4.2899%1,660
Net loans and leases to total assets66.1325%2,977
Net loans and leases to deposits75.0331%3,578
Net loans and leases to core deposits75.6642%4,346
Total domestic deposits to total assets88.1378%2,297
Equity capital to assets10.8343%2,850
Core capital (leverage) ratio10.6279%2,484
Tier 1 risk-based capital ratio14.7105%3,605
Total risk-based capital ratio15.9685%3,556
Memoranda:
Average total assets$45,246,0006,660
Average earning assets$41,060,5006,644
Average equity$5,048,0006,543
Average total loans$31,473,0006,269
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7796%5,491
Cost of funding earning assets1.1697%4,732
Net interest margin3.6098%4,771
Noninterest income to average assets0.5613%3,736
Noninterest expense to average assets4.3727%748
Loan and lease loss provision to assets0.2959%4,431
Net operating income to assets-0.8310%6,593
Return on assets (ROA)-0.8310%6,620
Pretax return on assets-0.8310%6,531
Return on Equity (ROE)-7.1120%6,563
Retained earnings to average equity (ytd only)-7.1120%6,463
Net charge-offs to loans0.2252%4,936
Credit loss provision to net charge-offs188.8889%1,710
Earnings coverage of net charge-offs (x)-3.4167%6,750
Efficiency ratio113.9456%476
Assets per employee ($millions)2.3717%7,153
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.5971%3,584
Loan loss allowance to noncurrent loans70.4514%3,906
Noncurrent assets plus other real estate owned to assets4.2830%1,556
Noncurrent loans to loans2.2669%3,255
Net loans and leases to total assets70.4163%2,430
Net loans and leases to deposits80.5274%3,069
Net loans and leases to core deposits81.2095%4,021
Total domestic deposits to total assets87.4440%2,584
Equity capital to assets11.4820%2,272
Core capital (leverage) ratio11.2147%2,003
Tier 1 risk-based capital ratio14.9122%3,300
Total risk-based capital ratio16.1609%3,252
Memoranda:
Average total assets$45,967,0006,665
Average earning assets$41,719,2006,649
Average equity$5,371,2006,544
Average total loans$31,970,0006,319
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8823%5,343
Cost of funding earning assets1.2031%4,853
Net interest margin3.6792%4,506
Noninterest income to average assets0.3146%5,634
Noninterest expense to average assets4.4103%657
Loan and lease loss provision to assets0.1732%5,309
Net operating income to assets-0.9323%6,864
Return on assets (ROA)-0.9323%6,906
Pretax return on assets-0.9323%6,823
Return on Equity (ROE)-7.9450%6,830
Retained earnings to average equity (ytd only)-7.9450%6,765
Net charge-offs to loans-0.0251%7,381
Credit loss provision to net charge-offs-1,000.0000%7,081
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio120.7905%383
Assets per employee ($millions)3.0039%6,138
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.6245%3,427
Loan loss allowance to noncurrent loans78.4522%3,434
Noncurrent assets plus other real estate owned to assets4.4387%1,530
Noncurrent loans to loans2.0706%3,599
Net loans and leases to total assets69.4860%2,854
Net loans and leases to deposits79.6484%3,514
Net loans and leases to core deposits80.3248%4,473
Total domestic deposits to total assets87.2409%2,402
Equity capital to assets11.7027%2,354
Core capital (leverage) ratio11.3449%2,040
Tier 1 risk-based capital ratio15.2214%3,141
Total risk-based capital ratio16.4753%3,114
Memoranda:
Average total assets$46,193,2506,732
Average earning assets$41,891,7506,729
Average equity$5,420,5006,611
Average total loans$31,901,0006,401
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8648%5,558
Cost of funding earning assets1.2339%4,937
Net interest margin3.6309%4,685
Noninterest income to average assets0.2791%5,919
Noninterest expense to average assets4.1742%839
Loan and lease loss provision to assets0.2577%4,359
Net operating income to assets-0.8546%6,886
Return on assets (ROA)-0.8546%6,900
Pretax return on assets-0.8546%6,818
Return on Equity (ROE)-7.2765%6,854
Retained earnings to average equity (ytd only)-7.2765%6,762
Net charge-offs to loans-0.0188%7,274
Credit loss provision to net charge-offs-2,000.0000%6,970
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio116.6867%455
Assets per employee ($millions)2.7204%6,747
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.6125%3,392
Loan loss allowance to noncurrent loans131.4578%2,123
Noncurrent assets plus other real estate owned to assets3.7668%1,855
Noncurrent loans to loans1.2266%4,914
Net loans and leases to total assets67.8156%3,417
Net loans and leases to deposits77.7230%4,037
Net loans and leases to core deposits78.3599%4,882
Total domestic deposits to total assets87.2530%2,402
Equity capital to assets11.6745%2,300
Core capital (leverage) ratio11.2278%2,082
Tier 1 risk-based capital ratio15.3032%3,007
Total risk-based capital ratio16.5549%2,966
Memoranda:
Average total assets$46,571,6706,774
Average earning assets$42,303,6706,764
Average equity$5,469,6706,626
Average total loans$31,926,0006,441
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8728%5,596
Cost of funding earning assets1.2535%5,093
Net interest margin3.6193%4,633
Noninterest income to average assets0.2739%5,962
Noninterest expense to average assets4.0998%900
Loan and lease loss provision to assets0.5135%2,445
Net operating income to assets-1.0528%7,137
Return on assets (ROA)-1.0528%7,157
Pretax return on assets-1.0528%7,074
Return on Equity (ROE)-8.9373%7,094
Retained earnings to average equity (ytd only)-8.9373%6,893
Net charge-offs to loans-0.0250%7,133
Credit loss provision to net charge-offs-3,000.0000%6,569
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio115.1442%511
Assets per employee ($millions)2.7468%6,763
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.6036%3,426
Loan loss allowance to noncurrent loans133.9426%2,091
Noncurrent assets plus other real estate owned to assets3.7134%1,883
Noncurrent loans to loans1.1972%4,965
Net loans and leases to total assets67.4105%3,526
Net loans and leases to deposits77.2409%4,181
Net loans and leases to core deposits77.8677%5,036
Total domestic deposits to total assets87.2730%2,483
Equity capital to assets11.6627%2,258
Core capital (leverage) ratio11.5310%1,893
Tier 1 risk-based capital ratio15.3965%2,921
Total risk-based capital ratio16.6495%2,875
Memoranda:
Average total assets$46,734,5006,851
Average earning assets$42,439,5006,838
Average equity$5,505,0006,672
Average total loans$31,951,0006,526
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9426%6,610
Cost of funding earning assets1.6170%4,956
Net interest margin3.3256%5,635
Noninterest income to average assets0.3769%5,398
Noninterest expense to average assets3.5976%2,152
Loan and lease loss provision to assets0.4390%4,198
Net operating income to assets-0.6296%6,297
Return on assets (ROA)-0.6296%6,295
Pretax return on assets-0.6253%6,116
Return on Equity (ROE)-5.0007%6,212
Retained earnings to average equity (ytd only)-5.0007%6,021
Net charge-offs to loans0.5965%3,426
Credit loss provision to net charge-offs107.8947%5,133
Earnings coverage of net charge-offs (x)-0.4579%6,664
Efficiency ratio105.4614%919
Assets per employee ($millions)2.7514%6,753
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.4133%4,160
Loan loss allowance to noncurrent loans116.5375%2,419
Noncurrent assets plus other real estate owned to assets3.7158%1,794
Noncurrent loans to loans1.2127%4,929
Net loans and leases to total assets67.2610%3,868
Net loans and leases to deposits77.3391%4,495
Net loans and leases to core deposits88.9379%5,232
Total domestic deposits to total assets86.9690%2,529
Equity capital to assets11.8958%2,086
Core capital (leverage) ratio11.7694%1,773
Tier 1 risk-based capital ratio15.8693%2,582
Total risk-based capital ratio17.1202%2,511
Memoranda:
Average total assets$46,698,0006,837
Average earning assets$42,608,8006,834
Average equity$5,879,2006,643
Average total loans$31,851,2006,531
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8257%7,060
Cost of funding earning assets1.7014%4,892
Net interest margin3.1243%6,247
Noninterest income to average assets0.2914%6,149
Noninterest expense to average assets2.9106%4,413
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets0.2285%5,060
Return on assets (ROA)0.2285%5,145
Pretax return on assets0.2342%5,218
Return on Equity (ROE)1.7902%5,234
Retained earnings to average equity (ytd only)1.7902%4,313
Net charge-offs to loans0.8083%2,347
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)0.4249%5,605
Efficiency ratio92.5522%1,495
Assets per employee ($millions)2.7249%6,797
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.7546%7,248
Loan loss allowance to noncurrent loans29.0323%6,534
Noncurrent assets plus other real estate owned to assets4.7234%1,265
Noncurrent loans to loans2.5991%2,905
Net loans and leases to total assets68.9960%3,711
Net loans and leases to deposits80.2335%4,344
Net loans and leases to core deposits93.0668%5,125
Total domestic deposits to total assets85.9940%2,708
Equity capital to assets12.8575%1,755
Core capital (leverage) ratio12.4151%1,613
Tier 1 risk-based capital ratio16.9200%2,301
Total risk-based capital ratio17.6208%2,427
Memoranda:
Average total assets$46,679,2506,889
Average earning assets$42,632,0006,886
Average equity$5,958,0006,674
Average total loans$31,836,2506,572
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8238%7,183
Cost of funding earning assets1.7605%4,948
Net interest margin3.0633%6,356
Noninterest income to average assets0.2863%6,216
Noninterest expense to average assets2.9916%4,120
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.0897%5,594
Return on assets (ROA)0.0897%5,694
Pretax return on assets0.0983%5,682
Return on Equity (ROE)0.7049%5,724
Retained earnings to average equity (ytd only)0.7049%4,909
Net charge-offs to loans1.1036%1,641
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)0.1314%5,538
Efficiency ratio96.8188%1,321
Assets per employee ($millions)2.6361%6,985
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.8229%7,074
Loan loss allowance to noncurrent loans44.5392%5,395
Noncurrent assets plus other real estate owned to assets3.7914%1,605
Noncurrent loans to loans1.8475%3,739
Net loans and leases to total assets66.2950%4,512
Net loans and leases to deposits76.8575%5,045
Net loans and leases to core deposits89.1108%5,620
Total domestic deposits to total assets86.2571%2,650
Equity capital to assets12.5395%1,905
Core capital (leverage) ratio12.3370%1,676
Tier 1 risk-based capital ratio16.8715%2,338
Total risk-based capital ratio17.6296%2,438
Memoranda:
Average total assets$46,798,0006,947
Average earning assets$42,829,0006,934
Average equity$5,958,6706,733
Average total loans$31,713,6706,628
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0090%6,907
Cost of funding earning assets1.7447%5,384
Net interest margin3.2643%5,646
Noninterest income to average assets0.3271%5,832
Noninterest expense to average assets2.7457%4,803
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.5595%4,186
Return on assets (ROA)0.5595%4,369
Pretax return on assets0.5767%4,824
Return on Equity (ROE)4.3602%4,771
Retained earnings to average equity (ytd only)4.3602%3,495
Net charge-offs to loans-0.0252%7,501
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.6425%2,458
Assets per employee ($millions)2.7607%6,739
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.3725%3,657
Loan loss allowance to noncurrent loans77.7975%3,771
Noncurrent assets plus other real estate owned to assets2.6123%2,195
Noncurrent loans to loans1.7642%3,619
Net loans and leases to total assets67.0651%4,328
Net loans and leases to deposits77.9374%4,931
Net loans and leases to core deposits90.2612%5,528
Total domestic deposits to total assets86.0500%2,686
Equity capital to assets12.7610%1,851
Core capital (leverage) ratio12.6963%1,602
Tier 1 risk-based capital ratio17.2133%2,263
Total risk-based capital ratio18.4634%2,208
Memoranda:
Average total assets$46,472,0007,013
Average earning assets$42,643,0006,991
Average equity$5,963,0006,778
Average total loans$31,711,5006,666
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8699%6,182
Cost of funding earning assets2.1902%5,641
Net interest margin3.6798%4,552
Noninterest income to average assets0.3270%6,105
Noninterest expense to average assets3.2930%2,988
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.3822%5,219
Return on assets (ROA)0.3822%5,036
Pretax return on assets0.3907%5,285
Return on Equity (ROE)2.9671%5,247
Retained earnings to average equity (ytd only)-2.1429%5,912
Net charge-offs to loans0.1095%5,184
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)5.5758%3,601
Efficiency ratio89.3948%1,568
Assets per employee ($millions)2.7066%6,772
Cash dividends to net income (ytd only)*172.2222%390
Condition Ratios (%)
Loss allowance to loans1.3837%3,298
Loan loss allowance to noncurrent loans92.7660%3,670
Noncurrent assets plus other real estate owned to assets2.7102%1,742
Noncurrent loans to loans1.4916%3,563
Net loans and leases to total assets67.5346%4,548
Net loans and leases to deposits78.6823%5,246
Net loans and leases to core deposits92.0275%5,636
Total domestic deposits to total assets85.8320%2,480
Equity capital to assets12.9032%1,829
Core capital (leverage) ratio12.6354%1,693
Tier 1 risk-based capital ratio17.3087%2,230
Total risk-based capital ratio18.5590%2,180
Memoranda:
Average total assets$47,099,4006,898
Average earning assets$42,964,8006,903
Average equity$6,066,6006,779
Average total loans$30,145,6006,699