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The Bendena State Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2855%2,544
Cost of funding earning assets1.5628%3,050
Net interest margin3.7228%1,838
Noninterest income to average assets0.3000%2,864
Noninterest expense to average assets2.0167%3,524
Loan and lease loss provision to assets0.1100%1,177
Net operating income to assets1.7734%662
Return on assets (ROA)1.7697%665
Pretax return on assets1.7070%1,104
Return on Equity (ROE)22.5800%289
Retained earnings to average equity (ytd only)15.0082%421
Net charge-offs to loans-0.0114%3,947
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio52.5456%3,711
Assets per employee ($millions)7.5060%1,882
Cash dividends to net income (ytd only)*33.5417%1,664
Condition Ratios (%)
Loss allowance to loans1.1393%2,520
Loan loss allowance to noncurrent loans0.0000%3,773
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets63.4200%2,559
Net loans and leases to deposits69.9440%2,866
Net loans and leases to core deposits74.7549%3,029
Total domestic deposits to total assets90.6700%611
Equity capital to assets8.3257%3,426
Core capital (leverage) ratio9.4479%3,345
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4051%1,395
Memoranda:
Average total assets$108,492,0003,714
Average earning assets$103,149,5003,675
Average equity$8,502,0003,939
Average total loans$70,339,5003,580
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0012%3,102
Cost of funding earning assets1.6957%2,965
Net interest margin3.3055%2,503
Noninterest income to average assets0.2300%3,513
Noninterest expense to average assets1.8473%3,880
Loan and lease loss provision to assets0.1300%1,072
Net operating income to assets1.3704%1,125
Return on assets (ROA)1.3802%1,108
Pretax return on assets1.4441%1,402
Return on Equity (ROE)19.1600%460
Retained earnings to average equity (ytd only)11.0545%429
Net charge-offs to loans0.0000%3,099
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio54.1576%3,710
Assets per employee ($millions)7.4600%1,866
Cash dividends to net income (ytd only)*42.3103%2,025
Condition Ratios (%)
Loss allowance to loans1.0045%3,197
Loan loss allowance to noncurrent loans0.0000%3,770
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets64.8200%2,489
Net loans and leases to deposits79.4695%2,183
Net loans and leases to core deposits85.5157%2,420
Total domestic deposits to total assets81.5600%3,319
Equity capital to assets7.3771%3,817
Core capital (leverage) ratio9.1834%3,537
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1842%1,801
Memoranda:
Average total assets$107,885,6003,713
Average earning assets$103,675,4003,668
Average equity$7,770,6003,994
Average total loans$68,821,0003,592
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9243%3,156
Cost of funding earning assets1.6630%3,028
Net interest margin3.2613%2,537
Noninterest income to average assets0.2300%3,510
Noninterest expense to average assets1.8138%3,912
Loan and lease loss provision to assets0.1400%908
Net operating income to assets1.3614%1,187
Return on assets (ROA)1.3722%1,162
Pretax return on assets1.4346%1,433
Return on Equity (ROE)19.1700%476
Retained earnings to average equity (ytd only)10.0222%855
Net charge-offs to loans-0.0020%3,688
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio53.7523%3,745
Assets per employee ($millions)7.2106%1,999
Cash dividends to net income (ytd only)*47.7273%1,460
Condition Ratios (%)
Loss allowance to loans1.0187%3,152
Loan loss allowance to noncurrent loans70,700.0000%27
Noncurrent assets plus other real estate owned to assets0.0009%3,840
Noncurrent loans to loans0.0014%3,807
Net loans and leases to total assets63.5100%2,583
Net loans and leases to deposits78.3230%2,329
Net loans and leases to core deposits84.4540%2,534
Total domestic deposits to total assets81.0900%3,290
Equity capital to assets7.8255%3,817
Core capital (leverage) ratio9.0454%3,710
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5282%1,690
Memoranda:
Average total assets$106,882,0003,730
Average earning assets$102,943,5003,689
Average equity$7,649,5004,015
Average total loans$67,709,5003,616
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8247%3,237
Cost of funding earning assets1.5432%3,187
Net interest margin3.2815%2,455
Noninterest income to average assets0.2200%3,548
Noninterest expense to average assets1.7679%3,982
Loan and lease loss provision to assets0.1500%771
Net operating income to assets1.4019%1,077
Return on assets (ROA)1.4109%1,066
Pretax return on assets1.4748%1,331
Return on Equity (ROE)20.3600%430
Retained earnings to average equity (ytd only)10.3822%793
Net charge-offs to loans-0.0030%3,693
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio52.2488%3,876
Assets per employee ($millions)7.1471%1,976
Cash dividends to net income (ytd only)*49.0013%1,495
Condition Ratios (%)
Loss allowance to loans0.9919%3,332
Loan loss allowance to noncurrent loans67,700.0000%21
Noncurrent assets plus other real estate owned to assets0.0009%3,836
Noncurrent loans to loans0.0015%3,802
Net loans and leases to total assets63.0300%2,649
Net loans and leases to deposits75.3190%2,599
Net loans and leases to core deposits80.1273%2,805
Total domestic deposits to total assets83.6900%2,689
Equity capital to assets6.9930%3,944
Core capital (leverage) ratio8.9514%3,767
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2534%1,793
Memoranda:
Average total assets$106,456,3333,753
Average earning assets$102,515,0003,703
Average equity$7,378,0004,040
Average total loans$67,145,6673,632
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6981%3,327
Cost of funding earning assets1.3563%3,463
Net interest margin3.3419%2,246
Noninterest income to average assets0.2300%3,433
Noninterest expense to average assets1.7873%3,973
Loan and lease loss provision to assets0.2300%428
Net operating income to assets1.4102%1,042
Return on assets (ROA)1.4065%1,051
Pretax return on assets1.4404%1,365
Return on Equity (ROE)20.3900%417
Retained earnings to average equity (ytd only)11.8057%774
Net charge-offs to loans-0.0060%3,780
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio51.6903%3,924
Assets per employee ($millions)8.0523%1,422
Cash dividends to net income (ytd only)*42.0912%1,490
Condition Ratios (%)
Loss allowance to loans0.9952%3,327
Loan loss allowance to noncurrent loans32,850.0000%48
Noncurrent assets plus other real estate owned to assets0.0019%3,856
Noncurrent loans to loans0.0030%3,800
Net loans and leases to total assets62.4400%2,622
Net loans and leases to deposits72.5103%2,714
Net loans and leases to core deposits76.6173%2,941
Total domestic deposits to total assets86.1100%2,058
Equity capital to assets7.0109%3,893
Core capital (leverage) ratio8.8442%3,833
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0854%1,841
Memoranda:
Average total assets$106,081,0003,775
Average earning assets$102,338,5003,724
Average equity$7,318,5004,062
Average total loans$66,591,5003,646
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2246%3,583
Cost of funding earning assets1.0191%3,250
Net interest margin3.2054%2,860
Noninterest income to average assets0.2400%3,502
Noninterest expense to average assets1.7626%4,050
Loan and lease loss provision to assets0.0300%2,526
Net operating income to assets1.4895%1,037
Return on assets (ROA)1.2061%1,609
Pretax return on assets1.2473%2,015
Return on Equity (ROE)20.5800%566
Retained earnings to average equity (ytd only)10.2808%944
Net charge-offs to loans0.0016%2,764
Credit loss provision to net charge-offs3,000.0000%162
Earnings coverage of net charge-offs (x)1,637.0000%100
Efficiency ratio52.9192%3,759
Assets per employee ($millions)8.2678%1,296
Cash dividends to net income (ytd only)*50.0397%1,617
Condition Ratios (%)
Loss allowance to loans0.8874%3,757
Loan loss allowance to noncurrent loans8,514.2857%153
Noncurrent assets plus other real estate owned to assets0.0065%3,757
Noncurrent loans to loans0.0104%3,684
Net loans and leases to total assets61.9300%2,681
Net loans and leases to deposits75.5396%2,498
Net loans and leases to core deposits79.6285%2,724
Total domestic deposits to total assets81.9900%3,127
Equity capital to assets6.7900%4,021
Core capital (leverage) ratio8.6308%4,015
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6012%2,027
Memoranda:
Average total assets$104,389,2003,794
Average earning assets$100,672,4003,740
Average equity$6,118,2004,153
Average total loans$60,741,6003,699
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1116%3,639
Cost of funding earning assets0.9233%3,221
Net interest margin3.1883%2,943
Noninterest income to average assets0.2300%3,581
Noninterest expense to average assets1.7436%4,062
Loan and lease loss provision to assets0.0200%2,562
Net operating income to assets1.4822%1,157
Return on assets (ROA)1.2623%1,614
Pretax return on assets1.3202%1,978
Return on Equity (ROE)22.4600%529
Retained earnings to average equity (ytd only)10.4406%1,281
Net charge-offs to loans0.0023%2,472
Credit loss provision to net charge-offs1,500.0000%304
Earnings coverage of net charge-offs (x)1,219.0000%131
Efficiency ratio52.6418%3,706
Assets per employee ($millions)7.9973%1,348
Cash dividends to net income (ytd only)*53.5168%1,127
Condition Ratios (%)
Loss allowance to loans0.9235%3,652
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets59.9600%2,851
Net loans and leases to deposits69.6602%2,863
Net loans and leases to core deposits73.7838%3,006
Total domestic deposits to total assets86.0700%2,168
Equity capital to assets5.2210%4,209
Core capital (leverage) ratio8.5437%4,126
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1978%1,818
Memoranda:
Average total assets$103,616,0003,810
Average earning assets$100,072,2503,758
Average equity$5,823,2504,187
Average total loans$59,136,2503,729
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9774%3,734
Cost of funding earning assets0.7875%3,243
Net interest margin3.1899%3,015
Noninterest income to average assets0.2200%3,636
Noninterest expense to average assets1.7256%4,119
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.5078%1,086
Return on assets (ROA)1.1884%1,855
Pretax return on assets1.2444%2,241
Return on Equity (ROE)20.6500%644
Retained earnings to average equity (ytd only)8.3291%1,864
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio52.1917%3,759
Assets per employee ($millions)7.9085%1,361
Cash dividends to net income (ytd only)*59.6748%999
Condition Ratios (%)
Loss allowance to loans0.9661%3,547
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets56.5300%3,082
Net loans and leases to deposits62.5685%3,272
Net loans and leases to core deposits66.1308%3,341
Total domestic deposits to total assets90.3600%824
Equity capital to assets6.0003%4,152
Core capital (leverage) ratio8.4111%4,186
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5882%1,703
Memoranda:
Average total assets$103,499,6673,826
Average earning assets$100,066,3333,773
Average equity$5,955,0004,198
Average total loans$57,876,6673,752
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8094%3,840
Cost of funding earning assets0.6701%3,154
Net interest margin3.1393%3,265
Noninterest income to average assets0.2200%3,644
Noninterest expense to average assets1.7334%4,150
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.4516%1,283
Return on assets (ROA)1.3443%1,529
Pretax return on assets1.4021%1,876
Return on Equity (ROE)23.8700%460
Retained earnings to average equity (ytd only)13.1327%1,069
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio53.3808%3,665
Assets per employee ($millions)8.0175%1,332
Cash dividends to net income (ytd only)*44.9857%1,324
Condition Ratios (%)
Loss allowance to loans1.0074%3,488
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets53.4500%3,237
Net loans and leases to deposits56.9469%3,515
Net loans and leases to core deposits59.5477%3,562
Total domestic deposits to total assets93.8700%184
Equity capital to assets5.9955%4,201
Core capital (leverage) ratio8.1856%4,346
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9409%1,643
Memoranda:
Average total assets$103,844,0003,871
Average earning assets$100,278,5003,820
Average equity$5,848,0004,259
Average total loans$57,470,0003,799
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3789%3,405
Cost of funding earning assets0.4573%1,669
Net interest margin2.9217%3,629
Noninterest income to average assets0.2700%3,524
Noninterest expense to average assets1.7699%4,066
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets1.2535%1,592
Return on assets (ROA)1.1410%1,950
Pretax return on assets1.1689%2,531
Return on Equity (ROE)18.9500%577
Retained earnings to average equity (ytd only)8.6698%1,577
Net charge-offs to loans0.0017%2,488
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)1,286.0000%138
Efficiency ratio57.9601%3,346
Assets per employee ($millions)7.3900%1,692
Cash dividends to net income (ytd only)*54.2432%1,205
Condition Ratios (%)
Loss allowance to loans0.9666%3,530
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 assets56.1500%3,014
Net loans and leases to deposits61.8197%3,212
Net loans and leases to core deposits64.9414%3,203
Total domestic deposits to total assets90.8300%1,017
Equity capital to assets5.2648%4,295
Core capital (leverage) ratio8.3329%4,247
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8034%2,049
Memoranda:
Average total assets$100,176,6003,927
Average earning assets$95,562,4003,879
Average equity$6,032,4004,323
Average total loans$57,501,8003,780
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2938%3,194
Cost of funding earning assets0.3909%1,357
Net interest margin2.9029%3,492
Noninterest income to average assets0.2700%3,561
Noninterest expense to average assets1.7351%4,103
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.2416%1,548
Return on assets (ROA)1.2494%1,498
Pretax return on assets1.3044%2,039
Return on Equity (ROE)20.0900%428
Retained earnings to average equity (ytd only)8.9552%1,663
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio57.2377%3,486
Assets per employee ($millions)7.3631%1,700
Cash dividends to net income (ytd only)*55.4243%995
Condition Ratios (%)
Loss allowance to loans0.9654%3,634
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 assets56.5300%2,851
Net loans and leases to deposits62.0993%3,014
Net loans and leases to core deposits65.0476%3,021
Total domestic deposits to total assets91.0300%1,229
Equity capital to assets4.3926%4,421
Core capital (leverage) ratio8.1102%4,334
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1572%1,990
Memoranda:
Average total assets$99,355,7503,962
Average earning assets$94,476,7503,917
Average equity$6,178,7504,354
Average total loans$57,212,5003,800
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1893%3,078
Cost of funding earning assets0.3563%1,215
Net interest margin2.8331%3,336
Noninterest income to average assets0.2079%3,952
Noninterest expense to average assets1.7042%4,142
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.1437%1,620
Return on assets (ROA)1.1477%1,591
Pretax return on assets1.1986%2,080
Return on Equity (ROE)16.7335%600
Retained earnings to average equity (ytd only)6.0336%2,325
Net charge-offs to loans0.0035%1,920
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)586.0000%225
Efficiency ratio58.7904%3,459
Assets per employee ($millions)7.1820%1,821
Cash dividends to net income (ytd only)*63.9432%965
Condition Ratios (%)
Loss allowance to loans0.9906%3,641
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 assets56.3611%2,714
Net loans and leases to deposits60.7708%2,994
Net loans and leases to core deposits63.6706%2,997
Total domestic deposits to total assets92.7438%575
Equity capital to assets5.6520%4,319
Core capital (leverage) ratio8.3634%4,063
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2273%1,965
Memoranda:
Average total assets$98,113,3334,010
Average earning assets$93,185,3333,975
Average equity$6,729,0004,347
Average total loans$56,671,0003,847
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1179%2,924
Cost of funding earning assets0.3464%1,239
Net interest margin2.7715%3,220
Noninterest income to average assets0.2064%3,925
Noninterest expense to average assets1.7875%3,969
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.0155%1,809
Return on assets (ROA)1.0155%1,804
Pretax return on assets1.0609%2,259
Return on Equity (ROE)13.5687%918
Retained earnings to average equity (ytd only)5.1848%2,520
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.7536%3,173
Assets per employee ($millions)7.0416%1,967
Cash dividends to net income (ytd only)*61.7886%1,008
Condition Ratios (%)
Loss allowance to loans1.0364%3,575
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 assets55.0192%2,634
Net loans and leases to deposits58.9683%2,989
Net loans and leases to core deposits61.5289%3,015
Total domestic deposits to total assets93.3030%204
Equity capital to assets6.5783%4,396
Core capital (leverage) ratio8.3111%4,059
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5203%1,983
Memoranda:
Average total assets$96,896,0004,032
Average earning assets$92,369,5004,000
Average equity$7,252,0004,336
Average total loans$56,388,0003,857
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0312%1,290
Cost of funding earning assets0.4073%1,496
Net interest margin3.6239%1,400
Noninterest income to average assets0.2598%3,822
Noninterest expense to average assets1.8541%4,041
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.7716%541
Return on assets (ROA)1.7814%551
Pretax return on assets1.8586%799
Return on Equity (ROE)20.5497%282
Retained earnings to average equity (ytd only)13.0497%394
Net charge-offs to loans0.0556%1,241
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)54.3000%1,252
Efficiency ratio50.0766%4,279
Assets per employee ($millions)7.3238%1,707
Cash dividends to net income (ytd only)*36.4968%2,215
Condition Ratios (%)
Loss allowance to loans0.9798%3,827
Loan loss allowance to noncurrent loans1,958.6207%535
Noncurrent assets plus other real estate owned to assets0.0305%3,815
Noncurrent loans to loans0.0500%3,722
Net loans and leases to total assets60.2888%2,134
Net loans and leases to deposits65.9986%2,516
Net loans and leases to core deposits69.2413%2,524
Total domestic deposits to total assets91.3486%370
Equity capital to assets8.4224%4,101
Core capital (leverage) ratio8.7147%3,708
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0417%2,230
Memoranda:
Average total assets$88,131,2004,115
Average earning assets$83,722,6004,082
Average equity$7,640,0004,360
Average total loans$53,976,8003,932
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2204%1,079
Cost of funding earning assets0.4230%1,534
Net interest margin3.7974%1,125
Noninterest income to average assets0.2115%4,138
Noninterest expense to average assets1.8480%4,059
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.8978%562
Return on assets (ROA)1.9082%572
Pretax return on assets1.9916%810
Return on Equity (ROE)21.8410%314
Retained earnings to average equity (ytd only)14.2603%481
Net charge-offs to loans0.0780%887
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)41.3871%1,348
Efficiency ratio48.2661%4,349
Assets per employee ($millions)7.1485%1,774
Cash dividends to net income (ytd only)*34.7087%1,859
Condition Ratios (%)
Loss allowance to loans1.0522%3,655
Loan loss allowance to noncurrent loans176.6355%2,706
Noncurrent assets plus other real estate owned to assets0.3454%2,058
Noncurrent loans to loans0.5957%1,822
Net loans and leases to total assets57.3770%2,575
Net loans and leases to deposits62.9453%2,962
Net loans and leases to core deposits65.6679%2,981
Total domestic deposits to total assets91.1537%321
Equity capital to assets8.6408%4,110
Core capital (leverage) ratio8.6495%3,891
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4417%2,188
Memoranda:
Average total assets$86,361,5004,189
Average earning assets$82,264,2504,155
Average equity$7,545,2504,436
Average total loans$52,978,7503,999
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3932%3,200
Cost of funding earning assets0.4444%1,562
Net interest margin2.9488%3,451
Noninterest income to average assets0.3517%3,353
Noninterest expense to average assets1.9080%3,942
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.1979%2,202
Return on assets (ROA)1.2071%2,239
Pretax return on assets1.2593%2,739
Return on Equity (ROE)13.7601%1,490
Retained earnings to average equity (ytd only)4.7402%3,285
Net charge-offs to loans0.1215%642
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)16.4375%1,600
Efficiency ratio60.4214%2,956
Assets per employee ($millions)6.7717%1,969
Cash dividends to net income (ytd only)*65.5512%788
Condition Ratios (%)
Loss allowance to loans1.0289%3,726
Loan loss allowance to noncurrent loans176.3240%2,645
Noncurrent assets plus other real estate owned to assets0.3646%2,152
Noncurrent loans to loans0.5835%1,943
Net loans and leases to total assets61.8480%2,196
Net loans and leases to deposits67.6608%2,653
Net loans and leases to core deposits70.4702%2,738
Total domestic deposits to total assets91.4088%252
Equity capital to assets8.4140%4,269
Core capital (leverage) ratio8.2939%4,179
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9155%2,395
Memoranda:
Average total assets$84,171,6674,242
Average earning assets$80,100,3334,206
Average equity$7,383,6674,479
Average total loans$52,675,6674,028
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3980%3,199
Cost of funding earning assets0.4722%1,579
Net interest margin2.9258%3,447
Noninterest income to average assets0.2918%3,665
Noninterest expense to average assets1.9066%3,971
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.1089%2,440
Return on assets (ROA)1.1089%2,523
Pretax return on assets1.1576%2,960
Return on Equity (ROE)12.3711%1,879
Retained earnings to average equity (ytd only)4.7206%3,309
Net charge-offs to loans0.2563%333
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)7.2121%1,624
Efficiency ratio62.2222%2,719
Assets per employee ($millions)6.6276%2,073
Cash dividends to net income (ytd only)*61.8421%852
Condition Ratios (%)
Loss allowance to loans1.0879%3,496
Loan loss allowance to noncurrent loans176.0125%2,562
Noncurrent assets plus other real estate owned to assets0.3726%2,306
Noncurrent loans to loans0.6181%2,023
Net loans and leases to total assets59.6200%2,588
Net loans and leases to deposits65.2234%3,002
Net loans and leases to core deposits67.0137%3,154
Total domestic deposits to total assets91.4089%259
Equity capital to assets8.4182%4,181
Core capital (leverage) ratio8.4845%4,125
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5091%2,082
Memoranda:
Average total assets$82,241,5004,279
Average earning assets$77,927,5004,251
Average equity$7,372,0004,494
Average total loans$51,507,5004,062
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2543%1,988
Cost of funding earning assets0.5492%2,617
Net interest margin3.7051%1,781
Noninterest income to average assets0.3978%3,101
Noninterest expense to average assets2.2359%3,571
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets1.5873%663
Return on assets (ROA)1.5955%703
Pretax return on assets1.6632%922
Return on Equity (ROE)15.8817%515
Retained earnings to average equity (ytd only)6.3892%1,636
Net charge-offs to loans0.0020%3,336
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)1,173.0000%92
Efficiency ratio57.4692%3,796
Assets per employee ($millions)6.0249%2,319
Cash dividends to net income (ytd only)*59.7701%1,372
Condition Ratios (%)
Loss allowance to loans1.1707%3,106
Loan loss allowance to noncurrent loans184.5679%2,475
Noncurrent assets plus other real estate owned to assets0.4137%2,343
Noncurrent loans to loans0.6343%2,102
Net loans and leases to total assets64.4553%2,304
Net loans and leases to deposits71.4514%2,741
Net loans and leases to core deposits73.1069%2,989
Total domestic deposits to total assets90.2086%480
Equity capital to assets9.5641%3,544
Core capital (leverage) ratio9.2681%3,360
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2360%2,152
Memoranda:
Average total assets$70,888,6004,370
Average earning assets$66,826,2004,340
Average equity$7,121,4004,513
Average total loans$51,045,2004,097
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3871%1,883
Cost of funding earning assets0.5497%2,928
Net interest margin3.8374%1,511
Noninterest income to average assets0.3361%3,468
Noninterest expense to average assets2.2985%3,427
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets1.5957%734
Return on assets (ROA)1.6031%790
Pretax return on assets1.6727%1,019
Return on Equity (ROE)15.7439%580
Retained earnings to average equity (ytd only)4.6094%2,740
Net charge-offs to loans0.0026%3,085
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)862.0000%143
Efficiency ratio57.9922%3,665
Assets per employee ($millions)5.7058%2,534
Cash dividends to net income (ytd only)*70.7229%802
Condition Ratios (%)
Loss allowance to loans1.1245%3,070
Loan loss allowance to noncurrent loans184.5679%2,347
Noncurrent assets plus other real estate owned to assets0.4368%2,431
Noncurrent loans to loans0.6093%2,275
Net loans and leases to total assets70.8855%1,839
Net loans and leases to deposits80.3018%2,285
Net loans and leases to core deposits80.9197%2,761
Total domestic deposits to total assets88.2738%1,076
Equity capital to assets9.7916%3,437
Core capital (leverage) ratio9.5143%3,248
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3454%2,054
Memoranda:
Average total assets$69,029,7504,410
Average earning assets$65,251,0004,383
Average equity$7,029,0004,539
Average total loans$51,036,0004,112
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4122%2,176
Cost of funding earning assets0.5527%3,222
Net interest margin3.8595%1,669
Noninterest income to average assets0.3476%3,393
Noninterest expense to average assets2.3502%3,398
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.5808%790
Return on assets (ROA)1.5836%859
Pretax return on assets1.6520%1,102
Return on Equity (ROE)15.3359%658
Retained earnings to average equity (ytd only)3.7117%3,058
Net charge-offs to loans0.0040%2,839
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)555.0000%184
Efficiency ratio58.7667%3,585
Assets per employee ($millions)5.4232%2,712
Cash dividends to net income (ytd only)*75.7974%827
Condition Ratios (%)
Loss allowance to loans1.1507%2,778
Loan loss allowance to noncurrent loans68.9735%3,731
Noncurrent assets plus other real estate owned to assets1.2298%881
Noncurrent loans to loans1.6683%870
Net loans and leases to total assets72.8632%1,577
Net loans and leases to deposits82.9057%2,099
Net loans and leases to core deposits83.5801%2,646
Total domestic deposits to total assets87.8869%1,239
Equity capital to assets10.1174%3,099
Core capital (leverage) ratio9.9687%2,873
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5193%1,994
Memoranda:
Average total assets$67,314,3334,440
Average earning assets$63,686,3334,413
Average equity$6,951,0004,571
Average total loans$50,322,0004,135
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5290%2,223
Cost of funding earning assets0.5798%3,534
Net interest margin3.9492%1,534
Noninterest income to average assets0.3591%3,374
Noninterest expense to average assets2.5380%3,165
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.4848%813
Return on assets (ROA)1.4790%898
Pretax return on assets1.5459%1,195
Return on Equity (ROE)14.1691%663
Retained earnings to average equity (ytd only)4.6647%2,432
Net charge-offs to loans0.0081%2,273
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)255.0000%273
Efficiency ratio62.0536%3,492
Assets per employee ($millions)5.0631%2,580
Cash dividends to net income (ytd only)*67.0782%1,251
Condition Ratios (%)
Loss allowance to loans1.2078%2,624
Loan loss allowance to noncurrent loans68.8147%3,760
Noncurrent assets plus other real estate owned to assets1.3203%881
Noncurrent loans to loans1.7552%858
Net loans and leases to total assets74.3118%1,560
Net loans and leases to deposits83.1257%2,321
Net loans and leases to core deposits83.8381%2,867
Total domestic deposits to total assets89.3968%512
Equity capital to assets10.3874%3,434
Core capital (leverage) ratio10.1563%3,283
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4527%2,095
Memoranda:
Average total assets$65,720,5004,473
Average earning assets$62,088,5004,453
Average equity$6,860,0004,616
Average total loans$49,499,0004,160
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7204%2,266
Cost of funding earning assets0.6240%3,537
Net interest margin4.0964%1,551
Noninterest income to average assets0.4347%3,083
Noninterest expense to average assets2.3220%3,891
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.8602%467
Return on assets (ROA)2.0189%350
Pretax return on assets2.1061%471
Return on Equity (ROE)20.4750%191
Retained earnings to average equity (ytd only)11.1146%319
Net charge-offs to loans0.0161%3,138
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)158.5000%474
Efficiency ratio54.4704%4,379
Assets per employee ($millions)5.0478%2,530
Cash dividends to net income (ytd only)*45.7165%2,292
Condition Ratios (%)
Loss allowance to loans1.2104%2,376
Loan loss allowance to noncurrent loans109.3066%3,128
Noncurrent assets plus other real estate owned to assets0.8351%1,541
Noncurrent loans to loans1.1073%1,362
Net loans and leases to total assets74.5021%1,671
Net loans and leases to deposits83.4639%2,392
Net loans and leases to core deposits84.1825%2,931
Total domestic deposits to total assets89.2626%573
Equity capital to assets10.4890%3,461
Core capital (leverage) ratio9.9901%3,529
Tier 1 risk-based capital ratio13.2919%3,635
Total risk-based capital ratio14.4842%3,552
Memoranda:
Average total assets$65,333,0004,513
Average earning assets$61,054,2004,491
Average equity$6,442,0004,702
Average total loans$49,649,6004,191
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7090%2,393
Cost of funding earning assets0.6280%3,543
Net interest margin4.0810%1,669
Noninterest income to average assets0.4352%3,103
Noninterest expense to average assets2.3107%3,925
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.8536%559
Return on assets (ROA)2.0635%362
Pretax return on assets2.1534%496
Return on Equity (ROE)21.2679%188
Retained earnings to average equity (ytd only)10.3392%670
Net charge-offs to loans0.0188%2,748
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)135.3312%585
Efficiency ratio54.4273%4,339
Assets per employee ($millions)5.5973%1,940
Cash dividends to net income (ytd only)*51.3861%1,612
Condition Ratios (%)
Loss allowance to loans1.1901%2,556
Loan loss allowance to noncurrent loans106.0071%3,228
Noncurrent assets plus other real estate owned to assets0.8427%1,632
Noncurrent loans to loans1.1226%1,414
Net loans and leases to total assets74.1704%1,778
Net loans and leases to deposits83.9691%2,463
Net loans and leases to core deposits84.6827%3,026
Total domestic deposits to total assets88.3306%902
Equity capital to assets9.9290%4,092
Core capital (leverage) ratio9.7724%3,886
Tier 1 risk-based capital ratio12.7401%4,000
Total risk-based capital ratio13.9247%3,914
Memoranda:
Average total assets$65,261,0004,565
Average earning assets$60,931,2504,554
Average equity$6,331,7504,780
Average total loans$49,690,0004,239
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6393%2,544
Cost of funding earning assets0.5931%3,681
Net interest margin4.0462%1,774
Noninterest income to average assets0.4642%2,885
Noninterest expense to average assets2.3396%3,894
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.8450%544
Return on assets (ROA)2.1539%310
Pretax return on assets2.2468%398
Return on Equity (ROE)22.3818%154
Retained earnings to average equity (ytd only)11.0623%539
Net charge-offs to loans0.0202%2,456
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)124.4000%591
Efficiency ratio54.8621%4,374
Assets per employee ($millions)5.0712%2,389
Cash dividends to net income (ytd only)*50.5747%1,761
Condition Ratios (%)
Loss allowance to loans1.1822%2,616
Loan loss allowance to noncurrent loans105.9859%3,244
Noncurrent assets plus other real estate owned to assets0.8616%1,629
Noncurrent loans to loans1.1154%1,464
Net loans and leases to total assets76.3295%1,503
Net loans and leases to deposits89.7820%1,762
Net loans and leases to core deposits90.5901%2,550
Total domestic deposits to total assets85.0165%2,467
Equity capital to assets9.8186%4,124
Core capital (leverage) ratio9.7743%3,851
Tier 1 risk-based capital ratio12.4592%4,150
Total risk-based capital ratio13.6487%4,061
Memoranda:
Average total assets$64,625,6704,616
Average earning assets$60,699,3304,592
Average equity$6,219,3304,823
Average total loans$49,447,3304,268
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5833%2,591
Cost of funding earning assets0.5521%3,814
Net interest margin4.0311%1,750
Noninterest income to average assets0.4502%2,853
Noninterest expense to average assets2.3759%3,830
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.7867%595
Return on assets (ROA)1.7507%680
Pretax return on assets1.8257%930
Return on Equity (ROE)18.3833%368
Retained earnings to average equity (ytd only)10.1108%1,008
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.0472%4,329
Assets per employee ($millions)4.8763%2,669
Cash dividends to net income (ytd only)*45.0000%1,786
Condition Ratios (%)
Loss allowance to loans1.2516%2,317
Loan loss allowance to noncurrent loans110.5647%3,231
Noncurrent assets plus other real estate owned to assets0.8660%1,637
Noncurrent loans to loans1.1321%1,475
Net loans and leases to total assets75.5442%1,550
Net loans and leases to deposits83.9613%2,391
Net loans and leases to core deposits84.7038%2,971
Total domestic deposits to total assets89.9751%455
Equity capital to assets9.8183%3,996
Core capital (leverage) ratio9.4445%4,204
Tier 1 risk-based capital ratio12.6688%4,057
Total risk-based capital ratio13.9181%3,946
Memoranda:
Average total assets$63,975,5004,675
Average earning assets$60,132,0004,645
Average equity$6,092,5004,881
Average total loans$48,709,5004,331
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3932%2,786
Cost of funding earning assets0.5037%3,321
Net interest margin3.8895%2,359
Noninterest income to average assets0.3846%3,529
Noninterest expense to average assets2.4373%3,779
Loan and lease loss provision to assets0.0625%2,908
Net operating income to assets1.4664%1,214
Return on assets (ROA)1.4664%1,205
Pretax return on assets1.5305%1,677
Return on Equity (ROE)16.1948%591
Retained earnings to average equity (ytd only)2.9006%3,950
Net charge-offs to loans0.0042%3,575
Credit loss provision to net charge-offs2,000.0000%220
Earnings coverage of net charge-offs (x)509.5000%207
Efficiency ratio60.4732%3,780
Assets per employee ($millions)4.9661%2,545
Cash dividends to net income (ytd only)*82.0896%634
Condition Ratios (%)
Loss allowance to loans1.2428%2,337
Loan loss allowance to noncurrent loans81.6107%3,714
Noncurrent assets plus other real estate owned to assets1.1540%1,143
Noncurrent loans to loans1.5228%999
Net loans and leases to total assets74.8385%1,795
Net loans and leases to deposits83.7682%2,536
Net loans and leases to core deposits84.5008%3,034
Total domestic deposits to total assets89.3400%717
Equity capital to assets9.2334%4,381
Core capital (leverage) ratio9.4388%4,186
Tier 1 risk-based capital ratio12.1007%4,363
Total risk-based capital ratio13.3347%4,260
Memoranda:
Average total assets$63,964,2004,689
Average earning assets$59,956,8004,667
Average equity$5,792,0004,932
Average total loans$47,377,8004,367
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3549%2,774
Cost of funding earning assets0.4962%3,217
Net interest margin3.8586%2,442
Noninterest income to average assets0.3823%3,590
Noninterest expense to average assets2.4591%3,702
Loan and lease loss provision to assets0.0836%2,292
Net operating income to assets1.4019%1,483
Return on assets (ROA)1.4019%1,483
Pretax return on assets1.4625%2,028
Return on Equity (ROE)15.5596%775
Retained earnings to average equity (ytd only)0.6726%4,917
Net charge-offs to loans0.0057%3,235
Credit loss provision to net charge-offs2,000.0000%206
Earnings coverage of net charge-offs (x)369.5281%257
Efficiency ratio61.3980%3,600
Assets per employee ($millions)4.9055%2,590
Cash dividends to net income (ytd only)*95.6787%310
Condition Ratios (%)
Loss allowance to loans1.2934%2,121
Loan loss allowance to noncurrent loans111.9705%3,257
Noncurrent assets plus other real estate owned to assets0.8515%1,738
Noncurrent loans to loans1.1551%1,464
Net loans and leases to total assets72.7576%2,210
Net loans and leases to deposits80.1157%3,030
Net loans and leases to core deposits80.8134%3,427
Total domestic deposits to total assets90.8157%264
Equity capital to assets8.9914%4,557
Core capital (leverage) ratio9.3012%4,399
Tier 1 risk-based capital ratio12.4285%4,235
Total risk-based capital ratio13.6792%4,123
Memoranda:
Average total assets$63,815,5004,740
Average earning assets$59,916,0004,717
Average equity$5,749,7504,994
Average total loans$46,991,5004,418
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3519%2,580
Cost of funding earning assets0.4873%3,111
Net interest margin3.8647%2,331
Noninterest income to average assets0.3760%3,643
Noninterest expense to average assets2.4691%3,722
Loan and lease loss provision to assets0.0940%2,041
Net operating income to assets1.3818%1,502
Return on assets (ROA)1.3818%1,503
Pretax return on assets1.4413%2,018
Return on Equity (ROE)15.3258%788
Retained earnings to average equity (ytd only)-3.0930%5,214
Net charge-offs to loans0.0085%2,822
Credit loss provision to net charge-offs1,500.0000%273
Earnings coverage of net charge-offs (x)245.0000%365
Efficiency ratio61.6588%3,672
Assets per employee ($millions)4.8406%2,630
Cash dividends to net income (ytd only)*120.1814%241
Condition Ratios (%)
Loss allowance to loans1.2846%2,243
Loan loss allowance to noncurrent loans75.5051%3,907
Noncurrent assets plus other real estate owned to assets1.2586%1,129
Noncurrent loans to loans1.7014%937
Net loans and leases to total assets73.0231%2,107
Net loans and leases to deposits80.4397%2,902
Net loans and leases to core deposits81.1500%3,307
Total domestic deposits to total assets90.7799%311
Equity capital to assets9.0611%4,513
Core capital (leverage) ratio9.0563%4,637
Tier 1 risk-based capital ratio12.3317%4,286
Total risk-based capital ratio13.5832%4,169
Memoranda:
Average total assets$63,830,0004,790
Average earning assets$59,927,6704,767
Average equity$5,755,0005,039
Average total loans$46,986,3304,462
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3446%2,366
Cost of funding earning assets0.4717%3,024
Net interest margin3.8730%2,144
Noninterest income to average assets0.3671%3,684
Noninterest expense to average assets2.4766%3,725
Loan and lease loss provision to assets0.0933%1,956
Net operating income to assets1.3690%1,425
Return on assets (ROA)1.3690%1,441
Pretax return on assets1.4250%1,916
Return on Equity (ROE)15.2210%769
Retained earnings to average equity (ytd only)-9.6169%5,359
Net charge-offs to loans0.0169%2,172
Credit loss provision to net charge-offs750.0000%436
Earnings coverage of net charge-offs (x)122.0000%518
Efficiency ratio61.9938%3,786
Assets per employee ($millions)5.0010%2,494
Cash dividends to net income (ytd only)*163.1818%269
Condition Ratios (%)
Loss allowance to loans1.2599%2,459
Loan loss allowance to noncurrent loans2,010.3448%337
Noncurrent assets plus other real estate owned to assets0.0446%4,884
Noncurrent loans to loans0.0627%4,698
Net loans and leases to total assets70.2767%2,432
Net loans and leases to deposits77.1305%3,101
Net loans and leases to core deposits77.7870%3,510
Total domestic deposits to total assets91.1141%286
Equity capital to assets8.7075%4,821
Core capital (leverage) ratio8.7213%4,971
Tier 1 risk-based capital ratio12.2239%4,417
Total risk-based capital ratio13.4733%4,316
Memoranda:
Average total assets$64,281,0004,844
Average earning assets$60,212,0004,822
Average equity$5,781,5005,092
Average total loans$47,204,5004,506
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4198%1,975
Cost of funding earning assets0.4745%2,555
Net interest margin3.9454%1,933
Noninterest income to average assets0.3551%3,928
Noninterest expense to average assets2.2768%4,396
Loan and lease loss provision to assets0.1051%2,134
Net operating income to assets1.6272%617
Return on assets (ROA)1.6272%636
Pretax return on assets1.6670%1,105
Return on Equity (ROE)18.3010%284
Retained earnings to average equity (ytd only)10.8158%263
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.2328%4,748
Assets per employee ($millions)4.8884%2,617
Cash dividends to net income (ytd only)*40.9002%2,820
Condition Ratios (%)
Loss allowance to loans1.1841%2,873
Loan loss allowance to noncurrent loans9,500.0000%98
Noncurrent assets plus other real estate owned to assets0.0094%5,125
Noncurrent loans to loans0.0125%4,979
Net loans and leases to total assets74.8509%1,783
Net loans and leases to deposits82.6735%2,646
Net loans and leases to core deposits83.3982%3,116
Total domestic deposits to total assets90.5380%384
Equity capital to assets9.2873%4,443
Core capital (leverage) ratio9.0013%4,652
Tier 1 risk-based capital ratio11.8528%4,624
Total risk-based capital ratio13.0211%4,560
Memoranda:
Average total assets$62,806,8004,907
Average earning assets$58,803,2004,884
Average equity$5,584,4005,169
Average total loans$47,416,6004,528
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3866%1,994
Cost of funding earning assets0.4632%2,589
Net interest margin3.9234%1,960
Noninterest income to average assets0.3598%3,953
Noninterest expense to average assets2.2782%4,352
Loan and lease loss provision to assets0.1086%1,963
Net operating income to assets1.6224%679
Return on assets (ROA)1.6224%700
Pretax return on assets1.6522%1,235
Return on Equity (ROE)18.4554%303
Retained earnings to average equity (ytd only)10.0512%576
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.4048%4,688
Assets per employee ($millions)4.8261%2,666
Cash dividends to net income (ytd only)*45.5387%1,991
Condition Ratios (%)
Loss allowance to loans1.1605%3,140
Loan loss allowance to noncurrent loans1,132.6531%541
Noncurrent assets plus other real estate owned to assets0.0781%4,853
Noncurrent loans to loans0.1025%4,651
Net loans and leases to total assets75.3439%1,696
Net loans and leases to deposits86.1868%2,274
Net loans and leases to core deposits86.9797%2,874
Total domestic deposits to total assets87.4193%1,659
Equity capital to assets9.1968%4,729
Core capital (leverage) ratio8.9467%4,807
Tier 1 risk-based capital ratio11.8356%4,743
Total risk-based capital ratio13.0095%4,669
Memoranda:
Average total assets$62,621,2504,961
Average earning assets$58,723,5004,940
Average equity$5,505,0005,241
Average total loans$47,236,5004,571
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3177%2,068
Cost of funding earning assets0.4567%2,538
Net interest margin3.8611%2,059
Noninterest income to average assets0.3611%3,975
Noninterest expense to average assets2.2467%4,466
Loan and lease loss provision to assets0.1150%1,788
Net operating income to assets1.6107%687
Return on assets (ROA)1.6107%710
Pretax return on assets1.6203%1,281
Return on Equity (ROE)18.6092%289
Retained earnings to average equity (ytd only)9.1569%792
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.4205%4,776
Assets per employee ($millions)4.8687%2,557
Cash dividends to net income (ytd only)*50.7937%1,825
Condition Ratios (%)
Loss allowance to loans1.1356%3,394
Loan loss allowance to noncurrent loans3,857.1429%175
Noncurrent assets plus other real estate owned to assets0.0221%5,184
Noncurrent loans to loans0.0294%5,046
Net loans and leases to total assets74.2736%1,817
Net loans and leases to deposits83.1006%2,590
Net loans and leases to core deposits83.8416%3,086
Total domestic deposits to total assets89.3780%773
Equity capital to assets8.8825%5,012
Core capital (leverage) ratio8.8151%4,934
Tier 1 risk-based capital ratio11.5008%4,955
Total risk-based capital ratio12.6446%4,918
Memoranda:
Average total assets$62,582,0005,004
Average earning assets$58,688,0004,979
Average equity$5,416,6705,289
Average total loans$47,040,3304,607
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2762%2,028
Cost of funding earning assets0.4660%2,375
Net interest margin3.8102%2,083
Noninterest income to average assets0.4050%3,622
Noninterest expense to average assets2.2498%4,534
Loan and lease loss provision to assets0.1350%1,423
Net operating income to assets1.6456%614
Return on assets (ROA)1.6456%630
Pretax return on assets1.5942%1,253
Return on Equity (ROE)19.2699%265
Retained earnings to average equity (ytd only)11.8931%481
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.5428%4,883
Assets per employee ($millions)4.8452%2,635
Cash dividends to net income (ytd only)*38.2813%2,065
Condition Ratios (%)
Loss allowance to loans1.1250%3,546
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets73.2548%1,863
Net loans and leases to deposits80.2913%2,711
Net loans and leases to core deposits80.9960%3,195
Total domestic deposits to total assets91.2363%230
Equity capital to assets8.6002%5,157
Core capital (leverage) ratio8.4423%5,270
Tier 1 risk-based capital ratio11.5045%5,026
Total risk-based capital ratio12.6358%4,999
Memoranda:
Average total assets$62,226,5005,069
Average earning assets$58,369,5005,041
Average equity$5,314,0005,357
Average total loans$46,785,5004,655
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3038%2,126
Cost of funding earning assets0.4447%2,580
Net interest margin3.8591%2,104
Noninterest income to average assets0.3641%4,140
Noninterest expense to average assets2.3685%4,370
Loan and lease loss provision to assets0.1589%1,560
Net operating income to assets1.3837%1,039
Return on assets (ROA)1.3837%1,083
Pretax return on assets1.4417%1,777
Return on Equity (ROE)16.3800%474
Retained earnings to average equity (ytd only)10.4628%358
Net charge-offs to loans0.0177%3,714
Credit loss provision to net charge-offs1,200.0000%325
Earnings coverage of net charge-offs (x)120.8750%503
Efficiency ratio59.6747%4,631
Assets per employee ($millions)4.3904%3,293
Cash dividends to net income (ytd only)*36.1244%3,056
Condition Ratios (%)
Loss allowance to loans1.0745%3,861
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets75.4905%1,602
Net loans and leases to deposits86.3515%2,125
Net loans and leases to core deposits87.6599%2,707
Total domestic deposits to total assets87.4223%1,919
Equity capital to assets8.4779%5,285
Core capital (leverage) ratio8.3293%5,417
Tier 1 risk-based capital ratio10.5400%5,558
Total risk-based capital ratio11.5635%5,588
Memoranda:
Average total assets$60,416,8005,130
Average earning assets$56,438,4005,119
Average equity$5,103,8005,448
Average total loans$45,152,0004,711
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2607%2,299
Cost of funding earning assets0.4441%2,608
Net interest margin3.8166%2,273
Noninterest income to average assets0.3325%4,410
Noninterest expense to average assets2.3716%4,350
Loan and lease loss provision to assets0.1596%1,449
Net operating income to assets1.3099%1,260
Return on assets (ROA)1.3099%1,349
Pretax return on assets1.3631%2,185
Return on Equity (ROE)15.5206%609
Retained earnings to average equity (ytd only)9.1391%777
Net charge-offs to loans0.0239%3,193
Credit loss provision to net charge-offs900.0000%447
Earnings coverage of net charge-offs (x)85.8463%729
Efficiency ratio60.8993%4,410
Assets per employee ($millions)4.7631%2,662
Cash dividends to net income (ytd only)*41.1165%2,303
Condition Ratios (%)
Loss allowance to loans1.0333%4,218
Loan loss allowance to noncurrent loans97.9592%3,664
Noncurrent assets plus other real estate owned to assets0.7913%2,567
Noncurrent loans to loans1.0549%2,134
Net loans and leases to total assets74.2426%1,828
Net loans and leases to deposits85.6198%2,299
Net loans and leases to core deposits86.9181%2,857
Total domestic deposits to total assets86.7119%2,026
Equity capital to assets8.5772%5,491
Core capital (leverage) ratio8.2389%5,547
Tier 1 risk-based capital ratio10.2411%5,721
Total risk-based capital ratio11.2237%5,761
Memoranda:
Average total assets$60,154,5005,183
Average earning assets$56,139,5005,168
Average equity$5,077,0005,516
Average total loans$44,713,7504,769
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2184%2,454
Cost of funding earning assets0.4387%2,664
Net interest margin3.7796%2,404
Noninterest income to average assets0.3123%4,540
Noninterest expense to average assets2.4208%4,265
Loan and lease loss provision to assets0.1612%1,407
Net operating income to assets1.2121%1,556
Return on assets (ROA)1.2121%1,651
Pretax return on assets1.2591%2,566
Return on Equity (ROE)14.4429%756
Retained earnings to average equity (ytd only)7.8416%1,225
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.0245%4,173
Assets per employee ($millions)4.6750%2,760
Cash dividends to net income (ytd only)*45.7064%2,157
Condition Ratios (%)
Loss allowance to loans1.0150%4,431
Loan loss allowance to noncurrent loans1,008.6957%574
Noncurrent assets plus other real estate owned to assets0.0757%5,232
Noncurrent loans to loans0.1006%5,051
Net loans and leases to total assets74.4550%1,737
Net loans and leases to deposits83.9113%2,480
Net loans and leases to core deposits85.6035%2,937
Total domestic deposits to total assets88.7306%1,053
Equity capital to assets8.5956%5,540
Core capital (leverage) ratio8.0873%5,675
Tier 1 risk-based capital ratio9.9788%5,864
Total risk-based capital ratio10.9333%5,889
Memoranda:
Average total assets$59,566,0005,248
Average earning assets$55,614,0005,233
Average equity$4,999,0005,587
Average total loans$44,134,6704,826
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1630%2,608
Cost of funding earning assets0.4390%2,690
Net interest margin3.7240%2,579
Noninterest income to average assets0.2781%4,730
Noninterest expense to average assets2.5237%4,000
Loan and lease loss provision to assets0.1628%1,274
Net operating income to assets1.0176%2,199
Return on assets (ROA)1.0176%2,319
Pretax return on assets1.0447%3,299
Return on Equity (ROE)12.2787%1,223
Retained earnings to average equity (ytd only)5.4845%2,662
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6364%3,523
Assets per employee ($millions)4.9715%2,373
Cash dividends to net income (ytd only)*55.3333%1,575
Condition Ratios (%)
Loss allowance to loans0.9968%4,635
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,696
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets73.2559%1,839
Net loans and leases to deposits81.7337%2,579
Net loans and leases to core deposits83.3963%2,995
Total domestic deposits to total assets89.6275%766
Equity capital to assets8.2789%5,708
Core capital (leverage) ratio8.0560%5,745
Tier 1 risk-based capital ratio10.3518%5,808
Total risk-based capital ratio11.3168%5,835
Memoranda:
Average total assets$58,961,5005,312
Average earning assets$54,672,5005,303
Average equity$4,886,5005,641
Average total loans$43,345,0004,884
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1971%2,566
Cost of funding earning assets0.4382%2,755
Net interest margin3.7589%2,527
Noninterest income to average assets0.3281%4,554
Noninterest expense to average assets2.3695%4,588
Loan and lease loss provision to assets0.1525%1,539
Net operating income to assets1.2246%1,470
Return on assets (ROA)1.2096%1,583
Pretax return on assets1.2894%2,326
Return on Equity (ROE)14.8500%710
Retained earnings to average equity (ytd only)6.9677%1,294
Net charge-offs to loans0.1660%1,706
Credit loss provision to net charge-offs126.4706%2,057
Earnings coverage of net charge-offs (x)12.0882%2,501
Efficiency ratio61.9092%4,620
Assets per employee ($millions)4.4819%3,075
Cash dividends to net income (ytd only)*53.0792%2,132
Condition Ratios (%)
Loss allowance to loans0.9777%4,724
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,750
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets72.3093%1,996
Net loans and leases to deposits79.0302%2,938
Net loans and leases to core deposits80.1808%3,322
Total domestic deposits to total assets91.4958%178
Equity capital to assets8.2966%5,707
Core capital (leverage) ratio8.1463%5,738
Tier 1 risk-based capital ratio10.3785%5,827
Total risk-based capital ratio11.3064%5,875
Memoranda:
Average total assets$56,382,4005,397
Average earning assets$52,488,2005,372
Average equity$4,592,6005,744
Average total loans$40,971,6004,966
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1688%2,681
Cost of funding earning assets0.4416%2,779
Net interest margin3.7271%2,657
Noninterest income to average assets0.3458%4,458
Noninterest expense to average assets2.3632%4,613
Loan and lease loss provision to assets0.1478%1,475
Net operating income to assets1.2266%1,567
Return on assets (ROA)1.2066%1,697
Pretax return on assets1.2949%2,420
Return on Equity (ROE)14.8855%739
Retained earnings to average equity (ytd only)6.3249%2,053
Net charge-offs to loans0.2169%1,204
Credit loss provision to net charge-offs93.9394%2,412
Earnings coverage of net charge-offs (x)9.3028%2,710
Efficiency ratio61.7445%4,610
Assets per employee ($millions)4.3711%3,214
Cash dividends to net income (ytd only)*57.5098%1,538
Condition Ratios (%)
Loss allowance to loans0.9372%5,035
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets73.2912%1,854
Net loans and leases to deposits80.1258%2,869
Net loans and leases to core deposits81.3196%3,321
Total domestic deposits to total assets91.4702%162
Equity capital to assets8.2483%5,850
Core capital (leverage) ratio8.0758%5,861
Tier 1 risk-based capital ratio10.4541%5,899
Total risk-based capital ratio11.3599%5,960
Memoranda:
Average total assets$55,911,7505,478
Average earning assets$52,228,2505,451
Average equity$4,532,2505,832
Average total loans$40,577,7505,035
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1376%2,766
Cost of funding earning assets0.4384%2,861
Net interest margin3.6992%2,714
Noninterest income to average assets0.3057%4,769
Noninterest expense to average assets2.3558%4,699
Loan and lease loss provision to assets0.1367%1,602
Net operating income to assets1.1663%1,715
Return on assets (ROA)1.1365%1,898
Pretax return on assets1.2408%2,597
Return on Equity (ROE)14.1050%881
Retained earnings to average equity (ytd only)4.6868%3,059
Net charge-offs to loans0.3342%788
Credit loss provision to net charge-offs56.7164%2,629
Earnings coverage of net charge-offs (x)5.8507%2,872
Efficiency ratio62.5597%4,582
Assets per employee ($millions)5.0558%2,202
Cash dividends to net income (ytd only)*66.7722%1,306
Condition Ratios (%)
Loss allowance to loans0.9027%5,295
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0270%5,778
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets72.8378%1,842
Net loans and leases to deposits82.6137%2,481
Net loans and leases to core deposits83.9196%2,989
Total domestic deposits to total assets88.1666%1,567
Equity capital to assets8.0483%5,964
Core capital (leverage) ratio7.9283%5,964
Tier 1 risk-based capital ratio10.6401%5,864
Total risk-based capital ratio11.5254%5,949
Memoranda:
Average total assets$55,607,6705,546
Average earning assets$52,011,3305,516
Average equity$4,480,6705,898
Average total loans$40,090,0005,100
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0312%3,120
Cost of funding earning assets0.4223%3,042
Net interest margin3.6089%2,971
Noninterest income to average assets0.3525%4,380
Noninterest expense to average assets2.3451%4,757
Loan and lease loss provision to assets0.1151%1,795
Net operating income to assets1.1054%1,853
Return on assets (ROA)0.9927%2,430
Pretax return on assets1.1438%2,887
Return on Equity (ROE)12.3132%1,267
Retained earnings to average equity (ytd only)2.4983%4,430
Net charge-offs to loans0.4736%526
Credit loss provision to net charge-offs34.0426%2,236
Earnings coverage of net charge-offs (x)4.1064%2,530
Efficiency ratio62.8131%4,650
Assets per employee ($millions)5.0436%2,297
Cash dividends to net income (ytd only)*79.7101%985
Condition Ratios (%)
Loss allowance to loans0.9240%5,359
Loan loss allowance to noncurrent loans1,112.1212%490
Noncurrent assets plus other real estate owned to assets0.0865%5,593
Noncurrent loans to loans0.0831%5,449
Net loans and leases to total assets70.9283%1,993
Net loans and leases to deposits78.9879%2,682
Net loans and leases to core deposits80.2165%3,131
Total domestic deposits to total assets89.7963%849
Equity capital to assets8.2084%5,933
Core capital (leverage) ratio7.6282%6,101
Tier 1 risk-based capital ratio10.6850%5,942
Total risk-based capital ratio11.5855%6,014
Memoranda:
Average total assets$55,604,5005,600
Average earning assets$52,093,5005,556
Average equity$4,483,0005,951
Average total loans$39,696,5005,151
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9971%3,740
Cost of funding earning assets0.4318%3,364
Net interest margin3.5653%3,540
Noninterest income to average assets0.3882%4,276
Noninterest expense to average assets2.2828%5,153
Loan and lease loss provision to assets0.1553%1,689
Net operating income to assets1.2190%1,530
Return on assets (ROA)1.2348%1,534
Pretax return on assets1.2939%2,258
Return on Equity (ROE)16.5257%548
Retained earnings to average equity (ytd only)9.7719%553
Net charge-offs to loans0.0594%3,655
Credit loss provision to net charge-offs381.8182%686
Earnings coverage of net charge-offs (x)35.2273%1,196
Efficiency ratio61.4428%5,001
Assets per employee ($millions)5.0663%2,238
Cash dividends to net income (ytd only)*40.8683%2,801
Condition Ratios (%)
Loss allowance to loans1.0032%5,040
Loan loss allowance to noncurrent loans530.6667%1,019
Noncurrent assets plus other real estate owned to assets0.1615%5,380
Noncurrent loans to loans0.1890%5,154
Net loans and leases to total assets70.4786%2,159
Net loans and leases to deposits84.2059%2,186
Net loans and leases to core deposits86.0960%2,680
Total domestic deposits to total assets83.6979%3,837
Equity capital to assets7.9169%6,100
Core capital (leverage) ratio7.7987%6,101
Tier 1 risk-based capital ratio10.4325%6,131
Total risk-based capital ratio11.3948%6,168
Memoranda:
Average total assets$54,099,6005,695
Average earning assets$50,487,2005,661
Average equity$4,042,2006,084
Average total loans$37,065,6005,292
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9466%3,985
Cost of funding earning assets0.4335%3,430
Net interest margin3.5131%3,774
Noninterest income to average assets0.4370%3,977
Noninterest expense to average assets2.2746%5,167
Loan and lease loss provision to assets0.1589%1,569
Net operating income to assets1.2246%1,594
Return on assets (ROA)1.2317%1,634
Pretax return on assets1.2913%2,408
Return on Equity (ROE)16.7433%584
Retained earnings to average equity (ytd only)8.3717%1,198
Net charge-offs to loans0.0805%3,049
Credit loss provision to net charge-offs290.9091%930
Earnings coverage of net charge-offs (x)26.4115%1,484
Efficiency ratio61.1890%5,006
Assets per employee ($millions)5.0548%2,177
Cash dividends to net income (ytd only)*50.0000%1,836
Condition Ratios (%)
Loss allowance to loans0.9702%5,346
Loan loss allowance to noncurrent loans360.0000%1,311
Noncurrent assets plus other real estate owned to assets0.2158%5,352
Noncurrent loans to loans0.2695%5,106
Net loans and leases to total assets69.3937%2,290
Net loans and leases to deposits81.6078%2,474
Net loans and leases to core deposits83.4126%2,952
Total domestic deposits to total assets85.0332%3,324
Equity capital to assets7.6471%6,275
Core capital (leverage) ratio7.5582%6,257
Tier 1 risk-based capital ratio10.2928%6,268
Total risk-based capital ratio11.2276%6,315
Memoranda:
Average total assets$53,692,2505,763
Average earning assets$50,134,5005,738
Average equity$3,949,7506,169
Average total loans$36,413,2505,368
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8944%4,157
Cost of funding earning assets0.4413%3,424
Net interest margin3.4531%3,970
Noninterest income to average assets0.3958%4,271
Noninterest expense to average assets2.3070%5,129
Loan and lease loss provision to assets0.0754%2,767
Net operating income to assets1.1699%1,689
Return on assets (ROA)1.1950%1,673
Pretax return on assets1.2553%2,434
Return on Equity (ROE)16.4718%607
Retained earnings to average equity (ytd only)8.0540%1,308
Net charge-offs to loans0.0450%3,336
Credit loss provision to net charge-offs250.0000%983
Earnings coverage of net charge-offs (x)43.2500%999
Efficiency ratio63.8831%4,704
Assets per employee ($millions)5.3994%1,783
Cash dividends to net income (ytd only)*51.1041%1,885
Condition Ratios (%)
Loss allowance to loans0.9304%5,631
Loan loss allowance to noncurrent loans740.4255%659
Noncurrent assets plus other real estate owned to assets0.0870%5,904
Noncurrent loans to loans0.1257%5,644
Net loans and leases to total assets68.6298%2,305
Net loans and leases to deposits78.2730%2,762
Net loans and leases to core deposits79.9965%3,215
Total domestic deposits to total assets87.6801%2,095
Equity capital to assets7.5527%6,339
Core capital (leverage) ratio7.5806%6,284
Tier 1 risk-based capital ratio10.4975%6,250
Total risk-based capital ratio11.3955%6,313
Memoranda:
Average total assets$53,055,3305,828
Average earning assets$49,404,3305,802
Average equity$3,849,0006,231
Average total loans$35,563,3305,438
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8299%4,360
Cost of funding earning assets0.4511%3,417
Net interest margin3.3789%4,225
Noninterest income to average assets0.3727%4,406
Noninterest expense to average assets2.3048%5,182
Loan and lease loss provision to assets0.0685%2,764
Net operating income to assets1.0649%1,952
Return on assets (ROA)1.0649%2,023
Pretax return on assets1.1334%2,756
Return on Equity (ROE)14.9953%772
Retained earnings to average equity (ytd only)11.9963%604
Net charge-offs to loans0.0693%2,459
Credit loss provision to net charge-offs150.0000%1,254
Earnings coverage of net charge-offs (x)26.3333%1,132
Efficiency ratio65.7267%4,572
Assets per employee ($millions)4.8673%2,420
Cash dividends to net income (ytd only)*20.0000%2,519
Condition Ratios (%)
Loss allowance to loans0.9780%5,604
Loan loss allowance to noncurrent loans826.8293%614
Noncurrent assets plus other real estate owned to assets0.0766%6,018
Noncurrent loans to loans0.1183%5,763
Net loans and leases to total assets64.1109%2,869
Net loans and leases to deposits69.2427%3,701
Net loans and leases to core deposits70.6959%4,016
Total domestic deposits to total assets92.5887%157
Equity capital to assets7.2712%6,384
Core capital (leverage) ratio7.3933%6,374
Tier 1 risk-based capital ratio11.1397%6,102
Total risk-based capital ratio12.0789%6,177
Memoranda:
Average total assets$52,586,0005,897
Average earning assets$48,773,5005,873
Average equity$3,734,5006,298
Average total loans$34,643,0005,512
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9582%4,248
Cost of funding earning assets0.4615%4,008
Net interest margin3.4967%3,925
Noninterest income to average assets0.3447%4,854
Noninterest expense to average assets2.2611%5,478
Loan and lease loss provision to assets0.1130%2,927
Net operating income to assets1.1644%1,703
Return on assets (ROA)1.1588%1,783
Pretax return on assets1.2114%2,532
Return on Equity (ROE)16.3103%586
Retained earnings to average equity (ytd only)10.0055%563
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.9610%5,067
Assets per employee ($millions)4.6938%2,598
Cash dividends to net income (ytd only)*38.6555%2,877
Condition Ratios (%)
Loss allowance to loans0.9705%5,701
Loan loss allowance to noncurrent loans933.3333%536
Noncurrent assets plus other real estate owned to assets0.0697%6,139
Noncurrent loans to loans0.1040%5,900
Net loans and leases to total assets66.4046%2,629
Net loans and leases to deposits72.9645%3,402
Net loans and leases to core deposits74.5769%3,777
Total domestic deposits to total assets91.0095%562
Equity capital to assets6.9259%6,475
Core capital (leverage) ratio7.4487%6,392
Tier 1 risk-based capital ratio10.6726%6,310
Total risk-based capital ratio11.5909%6,379
Memoranda:
Average total assets$51,347,0005,982
Average earning assets$47,673,0005,947
Average equity$3,648,0006,405
Average total loans$33,511,8005,601
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9184%4,432
Cost of funding earning assets0.4636%4,130
Net interest margin3.4548%4,072
Noninterest income to average assets0.3406%4,968
Noninterest expense to average assets2.2362%5,515
Loan and lease loss provision to assets0.1092%2,943
Net operating income to assets1.1594%1,776
Return on assets (ROA)1.1519%1,879
Pretax return on assets1.2039%2,676
Return on Equity (ROE)16.1116%638
Retained earnings to average equity (ytd only)9.9288%805
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.8655%5,007
Assets per employee ($millions)4.7582%2,493
Cash dividends to net income (ytd only)*38.3747%2,342
Condition Ratios (%)
Loss allowance to loans0.8984%6,057
Loan loss allowance to noncurrent loans1,103.4483%431
Noncurrent assets plus other real estate owned to assets0.0554%6,285
Noncurrent loans to loans0.0814%6,090
Net loans and leases to total assets67.4417%2,384
Net loans and leases to deposits75.0117%3,091
Net loans and leases to core deposits76.6653%3,543
Total domestic deposits to total assets89.9083%1,052
Equity capital to assets6.7864%6,594
Core capital (leverage) ratio7.3295%6,503
Tier 1 risk-based capital ratio10.2244%6,529
Total risk-based capital ratio11.0834%6,609
Memoranda:
Average total assets$51,275,7506,053
Average earning assets$47,739,7506,013
Average equity$3,666,0006,477
Average total loans$33,234,2505,669
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8803%4,547
Cost of funding earning assets0.4771%4,128
Net interest margin3.4032%4,177
Noninterest income to average assets0.3339%5,022
Noninterest expense to average assets2.2113%5,604
Loan and lease loss provision to assets0.0786%3,487
Net operating income to assets1.1583%1,706
Return on assets (ROA)1.1508%1,858
Pretax return on assets1.2019%2,669
Return on Equity (ROE)15.8207%687
Retained earnings to average equity (ytd only)9.8812%876
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1874%4,986
Assets per employee ($millions)4.6658%2,566
Cash dividends to net income (ytd only)*37.5427%2,358
Condition Ratios (%)
Loss allowance to loans0.8977%6,136
Loan loss allowance to noncurrent loans693.0233%648
Noncurrent assets plus other real estate owned to assets0.0838%6,249
Noncurrent loans to loans0.1295%6,000
Net loans and leases to total assets64.0987%2,896
Net loans and leases to deposits70.1959%3,695
Net loans and leases to core deposits71.3483%4,129
Total domestic deposits to total assets91.3140%439
Equity capital to assets6.6148%6,665
Core capital (leverage) ratio7.2143%6,559
Tier 1 risk-based capital ratio10.6185%6,471
Total risk-based capital ratio11.4703%6,558
Memoranda:
Average total assets$50,921,0006,104
Average earning assets$47,367,6706,061
Average equity$3,704,0006,519
Average total loans$32,439,3305,735
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8345%4,702
Cost of funding earning assets0.4836%4,254
Net interest margin3.3509%4,314
Noninterest income to average assets0.3470%4,906
Noninterest expense to average assets2.2398%5,586
Loan and lease loss provision to assets0.0631%3,579
Net operating income to assets1.1092%1,821
Return on assets (ROA)1.2303%1,545
Pretax return on assets1.2855%2,271
Return on Equity (ROE)16.1721%587
Retained earnings to average equity (ytd only)12.0254%701
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6925%4,887
Assets per employee ($millions)4.7295%2,597
Cash dividends to net income (ytd only)*25.6410%2,191
Condition Ratios (%)
Loss allowance to loans0.9051%6,249
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,664
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets60.1915%3,393
Net loans and leases to deposits65.1628%4,167
Net loans and leases to core deposits66.2044%4,505
Total domestic deposits to total assets92.3708%192
Equity capital to assets7.4619%6,604
Core capital (leverage) ratio7.2151%6,577
Tier 1 risk-based capital ratio10.8996%6,451
Total risk-based capital ratio11.7543%6,560
Memoranda:
Average total assets$50,719,5006,165
Average earning assets$47,151,0006,121
Average equity$3,858,5006,546
Average total loans$32,061,0005,792
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0862%4,997
Cost of funding earning assets0.6054%4,291
Net interest margin3.4807%4,580
Noninterest income to average assets0.3973%4,636
Noninterest expense to average assets2.3510%5,560
Loan and lease loss provision to assets0.2279%2,851
Net operating income to assets1.0094%2,295
Return on assets (ROA)1.0029%2,546
Pretax return on assets1.0441%3,376
Return on Equity (ROE)12.7105%1,308
Retained earnings to average equity (ytd only)8.3636%1,010
Net charge-offs to loans-0.0071%6,422
Credit loss provision to net charge-offs-5,250.0000%6,676
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.7727%4,745
Assets per employee ($millions)4.4923%2,978
Cash dividends to net income (ytd only)*34.1991%3,183
Condition Ratios (%)
Loss allowance to loans0.8548%6,383
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,725
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets65.2514%2,659
Net loans and leases to deposits76.2847%2,754
Net loans and leases to core deposits77.1979%3,370
Total domestic deposits to total assets85.5368%3,593
Equity capital to assets7.7608%6,519
Core capital (leverage) ratio7.2834%6,597
Tier 1 risk-based capital ratio10.5080%6,552
Total risk-based capital ratio11.3362%6,650
Memoranda:
Average total assets$46,066,2006,327
Average earning assets$42,778,2006,280
Average equity$3,634,8006,654
Average total loans$28,237,6006,030
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0858%5,241
Cost of funding earning assets0.6310%4,357
Net interest margin3.4548%4,830
Noninterest income to average assets0.4157%4,512
Noninterest expense to average assets2.3672%5,495
Loan and lease loss provision to assets0.2918%2,250
Net operating income to assets0.9197%2,883
Return on assets (ROA)0.9109%3,158
Pretax return on assets0.9433%3,946
Return on Equity (ROE)11.4929%1,796
Retained earnings to average equity (ytd only)8.5546%1,392
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5510%4,531
Assets per employee ($millions)4.4238%3,040
Cash dividends to net income (ytd only)*25.5662%2,835
Condition Ratios (%)
Loss allowance to loans0.8989%6,386
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,825
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets61.1730%3,540
Net loans and leases to deposits67.9883%4,183
Net loans and leases to core deposits69.1796%4,592
Total domestic deposits to total assets89.9758%857
Equity capital to assets7.7268%6,702
Core capital (leverage) ratio7.2907%6,717
Tier 1 risk-based capital ratio10.5856%6,639
Total risk-based capital ratio11.4143%6,736
Memoranda:
Average total assets$45,229,0006,418
Average earning assets$41,834,7506,385
Average equity$3,584,7506,748
Average total loans$27,166,5006,157
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1223%5,236
Cost of funding earning assets0.6633%4,339
Net interest margin3.4590%4,846
Noninterest income to average assets0.4854%4,021
Noninterest expense to average assets2.4090%5,426
Loan and lease loss provision to assets0.3856%1,700
Net operating income to assets0.8574%3,101
Return on assets (ROA)0.8438%3,441
Pretax return on assets0.8711%4,195
Return on Equity (ROE)10.5492%2,152
Retained earnings to average equity (ytd only)9.4716%1,124
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.4747%4,628
Assets per employee ($millions)3.8541%4,187
Cash dividends to net income (ytd only)*10.2151%3,289
Condition Ratios (%)
Loss allowance to loans0.9021%6,446
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets60.8035%3,659
Net loans and leases to deposits67.7843%4,237
Net loans and leases to core deposits69.0374%4,666
Total domestic deposits to total assets89.7014%1,101
Equity capital to assets7.9094%6,628
Core capital (leverage) ratio7.4918%6,631
Tier 1 risk-based capital ratio10.9581%6,522
Total risk-based capital ratio11.7874%6,665
Memoranda:
Average total assets$44,084,6706,485
Average earning assets$40,705,3306,455
Average equity$3,526,3306,800
Average total loans$26,209,3306,249
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0994%5,460
Cost of funding earning assets0.7099%4,198
Net interest margin3.3895%5,157
Noninterest income to average assets0.3628%4,976
Noninterest expense to average assets2.4836%5,203
Loan and lease loss provision to assets0.4930%1,235
Net operating income to assets0.5302%4,687
Return on assets (ROA)0.5023%5,029
Pretax return on assets0.5116%5,394
Return on Equity (ROE)6.2419%4,169
Retained earnings to average equity (ytd only)6.2419%2,823
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.6349%3,695
Assets per employee ($millions)4.0683%3,864
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.8789%6,590
Loan loss allowance to noncurrent loans11,200.0000%56
Noncurrent assets plus other real estate owned to assets0.0045%6,937
Noncurrent loans to loans0.0078%6,780
Net loans and leases to total assets56.4479%4,304
Net loans and leases to deposits61.3981%4,997
Net loans and leases to core deposits62.5396%5,270
Total domestic deposits to total assets91.9376%271
Equity capital to assets7.8523%6,614
Core capital (leverage) ratio7.2148%6,757
Tier 1 risk-based capital ratio11.6645%6,182
Total risk-based capital ratio12.4643%6,416
Memoranda:
Average total assets$43,002,5006,560
Average earning assets$40,005,5006,524
Average equity$3,460,5006,858
Average total loans$25,125,5006,362
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6376%4,516
Cost of funding earning assets0.9617%3,630
Net interest margin3.6758%4,410
Noninterest income to average assets0.3410%5,092
Noninterest expense to average assets2.6584%4,891
Loan and lease loss provision to assets0.0347%6,128
Net operating income to assets1.0040%2,180
Return on assets (ROA)1.0040%2,327
Pretax return on assets1.0388%3,090
Return on Equity (ROE)11.6637%1,511
Retained earnings to average equity (ytd only)-17.4956%6,927
Net charge-offs to loans0.0048%6,373
Credit loss provision to net charge-offs1,100.0000%201
Earnings coverage of net charge-offs (x)340.0000%104
Efficiency ratio71.2352%3,744
Assets per employee ($millions)3.7504%4,434
Cash dividends to net income (ytd only)*250.0000%58
Condition Ratios (%)
Loss allowance to loans0.6905%6,916
Loan loss allowance to noncurrent loans462.1622%734
Noncurrent assets plus other real estate owned to assets0.0897%6,730
Noncurrent loans to loans0.1494%6,445
Net loans and leases to total assets59.6185%4,055
Net loans and leases to deposits65.3410%4,829
Net loans and leases to core deposits66.2206%5,227
Total domestic deposits to total assets91.2421%413
Equity capital to assets8.2586%6,380
Core capital (leverage) ratio7.6752%6,550
Tier 1 risk-based capital ratio12.0703%5,783
Total risk-based capital ratio12.7135%6,173
Memoranda:
Average total assets$31,672,6006,927
Average earning assets$29,218,0006,893
Average equity$2,726,4007,070
Average total loans$20,648,0006,626
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6506%4,674
Cost of funding earning assets1.0263%3,492
Net interest margin3.6243%4,679
Noninterest income to average assets0.2778%5,627
Noninterest expense to average assets2.6914%4,762
Loan and lease loss provision to assets0.0410%5,926
Net operating income to assets0.8380%2,994
Return on assets (ROA)0.8380%3,148
Pretax return on assets0.8744%3,864
Return on Equity (ROE)9.5973%2,348
Retained earnings to average equity (ytd only)-29.1044%7,183
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6212%3,061
Assets per employee ($millions)3.8352%4,228
Cash dividends to net income (ytd only)*403.2568%25
Condition Ratios (%)
Loss allowance to loans0.6877%6,984
Loan loss allowance to noncurrent loans447.3684%714
Noncurrent assets plus other real estate owned to assets0.0901%6,831
Noncurrent loans to loans0.1537%6,565
Net loans and leases to total assets58.1933%4,478
Net loans and leases to deposits63.6786%5,209
Net loans and leases to core deposits64.5153%5,562
Total domestic deposits to total assets91.3860%324
Equity capital to assets7.9053%6,752
Core capital (leverage) ratio7.5862%6,708
Tier 1 risk-based capital ratio12.0885%5,832
Total risk-based capital ratio12.7461%6,238
Memoranda:
Average total assets$29,277,2507,059
Average earning assets$26,892,0007,034
Average equity$2,556,2507,177
Average total loans$19,618,5006,747
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9402%3,440
Cost of funding earning assets1.1779%2,722
Net interest margin3.7623%3,976
Noninterest income to average assets0.2322%5,983
Noninterest expense to average assets2.6828%4,890
Loan and lease loss provision to assets0.0320%5,909
Net operating income to assets0.9129%2,583
Return on assets (ROA)0.9129%2,686
Pretax return on assets0.9450%3,452
Return on Equity (ROE)9.9274%2,140
Retained earnings to average equity (ytd only)6.2699%2,262
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3042%3,499
Assets per employee ($millions)4.2707%3,214
Cash dividends to net income (ytd only)*36.8421%2,213
Condition Ratios (%)
Loss allowance to loans0.8455%6,784
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets75.5151%1,153
Net loans and leases to deposits84.1817%2,083
Net loans and leases to core deposits86.0535%2,896
Total domestic deposits to total assets89.7050%1,119
Equity capital to assets9.2179%5,253
Core capital (leverage) ratio8.8981%4,882
Tier 1 risk-based capital ratio12.1469%5,670
Total risk-based capital ratio13.0449%5,930
Memoranda:
Average total assets$24,974,0007,239
Average earning assets$22,752,3307,224
Average equity$2,296,6707,295
Average total loans$17,918,0006,897
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8383%3,880
Cost of funding earning assets1.2319%2,614
Net interest margin3.6064%4,541
Noninterest income to average assets0.2272%6,100
Noninterest expense to average assets2.7587%4,608
Loan and lease loss provision to assets0.0325%5,565
Net operating income to assets0.6978%3,523
Return on assets (ROA)0.6978%3,588
Pretax return on assets0.7140%4,247
Return on Equity (ROE)7.5972%3,102
Retained earnings to average equity (ytd only)2.8269%4,473
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.7037%2,733
Assets per employee ($millions)4.2017%3,460
Cash dividends to net income (ytd only)*62.7907%1,180
Condition Ratios (%)
Loss allowance to loans0.9501%6,545
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets67.4058%2,674
Net loans and leases to deposits74.8392%3,624
Net loans and leases to core deposits76.5244%4,232
Total domestic deposits to total assets90.0674%1,115
Equity capital to assets8.9726%5,246
Core capital (leverage) ratio8.6444%5,184
Tier 1 risk-based capital ratio13.1160%4,739
Total risk-based capital ratio14.0981%4,918
Memoranda:
Average total assets$24,649,0007,298
Average earning assets$22,404,5007,284
Average equity$2,264,0007,354
Average total loans$17,119,5006,991
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3754%2,784
Cost of funding earning assets1.4079%3,211
Net interest margin3.9674%3,167
Noninterest income to average assets0.2681%5,871
Noninterest expense to average assets2.7204%4,896
Loan and lease loss provision to assets0.0527%6,628
Net operating income to assets1.0548%1,856
Return on assets (ROA)1.0548%1,956
Pretax return on assets1.0987%2,584
Return on Equity (ROE)10.8794%1,624
Retained earnings to average equity (ytd only)6.9810%1,337
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.2611%4,124
Assets per employee ($millions)4.0147%3,751
Cash dividends to net income (ytd only)*35.8333%2,774
Condition Ratios (%)
Loss allowance to loans0.9425%6,601
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets70.2507%2,481
Net loans and leases to deposits79.6929%3,232
Net loans and leases to core deposits81.6147%3,961
Total domestic deposits to total assets88.1518%2,148
Equity capital to assets9.4072%4,537
Core capital (leverage) ratio9.0064%4,542
Tier 1 risk-based capital ratio13.0590%4,555
Total risk-based capital ratio14.0319%4,756
Memoranda:
Average total assets$22,753,8007,403
Average earning assets$20,668,4007,387
Average equity$2,206,0007,466
Average total loans$16,097,6007,118
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4406%2,686
Cost of funding earning assets1.4225%3,439
Net interest margin4.0182%3,017
Noninterest income to average assets0.2617%6,028
Noninterest expense to average assets2.7237%4,781
Loan and lease loss provision to assets0.0535%6,537
Net operating income to assets1.0823%1,956
Return on assets (ROA)1.0823%2,068
Pretax return on assets1.1299%2,732
Return on Equity (ROE)11.0753%1,765
Retained earnings to average equity (ytd only)7.1807%1,764
Net charge-offs to loans0.0084%6,548
Credit loss provision to net charge-offs900.0000%324
Earnings coverage of net charge-offs (x)199.4962%162
Efficiency ratio69.7108%4,133
Assets per employee ($millions)3.8743%4,091
Cash dividends to net income (ytd only)*35.1644%2,306
Condition Ratios (%)
Loss allowance to loans0.9346%6,633
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets71.5865%2,338
Net loans and leases to deposits81.8061%3,144
Net loans and leases to core deposits83.8676%3,961
Total domestic deposits to total assets87.5075%2,258
Equity capital to assets9.8167%4,395
Core capital (leverage) ratio9.0421%4,614
Tier 1 risk-based capital ratio13.1885%4,434
Total risk-based capital ratio14.1633%4,625
Memoranda:
Average total assets$22,420,2507,506
Average earning assets$20,340,2507,487
Average equity$2,191,0007,570
Average total loans$15,851,2507,217
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4052%2,953
Cost of funding earning assets1.4183%3,760
Net interest margin3.9870%3,079
Noninterest income to average assets0.2800%5,909
Noninterest expense to average assets2.7455%4,712
Loan and lease loss provision to assets0.0181%6,743
Net operating income to assets1.1018%1,847
Return on assets (ROA)1.1018%1,915
Pretax return on assets1.1470%2,596
Return on Equity (ROE)11.2928%1,649
Retained earnings to average equity (ytd only)6.2943%2,172
Net charge-offs to loans0.0129%6,163
Credit loss provision to net charge-offs200.0000%1,956
Earnings coverage of net charge-offs (x)129.0000%260
Efficiency ratio70.2079%4,149
Assets per employee ($millions)3.2866%5,460
Cash dividends to net income (ytd only)*44.2623%1,898
Condition Ratios (%)
Loss allowance to loans0.9137%6,709
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets70.7076%2,747
Net loans and leases to deposits80.3269%3,548
Net loans and leases to core deposits82.3604%4,364
Total domestic deposits to total assets88.0249%1,987
Equity capital to assets9.6323%4,495
Core capital (leverage) ratio9.2519%4,206
Tier 1 risk-based capital ratio12.9609%4,481
Total risk-based capital ratio13.8983%4,704
Memoranda:
Average total assets$22,145,0007,577
Average earning assets$20,165,6707,552
Average equity$2,160,6707,635
Average total loans$15,535,6707,285
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3544%3,276
Cost of funding earning assets1.4493%3,883
Net interest margin3.9051%3,304
Noninterest income to average assets0.2763%5,942
Noninterest expense to average assets2.8737%4,172
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.9395%2,397
Return on assets (ROA)0.9395%2,459
Pretax return on assets0.9763%3,180
Return on Equity (ROE)9.5640%2,266
Retained earnings to average equity (ytd only)1.8753%4,995
Net charge-offs to loans0.0265%5,198
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)53.0000%548
Efficiency ratio74.6411%3,459
Assets per employee ($millions)3.6925%4,590
Cash dividends to net income (ytd only)*80.3922%841
Condition Ratios (%)
Loss allowance to loans0.9547%6,654
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets69.3026%3,090
Net loans and leases to deposits78.7910%3,882
Net loans and leases to core deposits80.8659%4,647
Total domestic deposits to total assets87.9576%2,088
Equity capital to assets9.6367%4,325
Core capital (leverage) ratio9.1296%4,327
Tier 1 risk-based capital ratio13.3219%4,109
Total risk-based capital ratio14.2999%4,271
Memoranda:
Average total assets$21,714,5007,683
Average earning assets$19,871,5007,653
Average equity$2,133,0007,721
Average total loans$15,095,0007,398
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5016%4,134
Cost of funding earning assets1.6996%4,511
Net interest margin3.8019%3,700
Noninterest income to average assets0.2679%6,197
Noninterest expense to average assets2.8785%4,616
Loan and lease loss provision to assets0.0487%7,076
Net operating income to assets0.8475%2,358
Return on assets (ROA)0.8475%2,442
Pretax return on assets0.8816%2,985
Return on Equity (ROE)8.2944%2,263
Retained earnings to average equity (ytd only)4.4809%2,113
Net charge-offs to loans0.0143%7,020
Credit loss provision to net charge-offs500.0000%612
Earnings coverage of net charge-offs (x)95.5000%293
Efficiency ratio75.5754%3,600
Assets per employee ($millions)3.5457%4,907
Cash dividends to net income (ytd only)*45.9770%2,661
Condition Ratios (%)
Loss allowance to loans1.0144%6,294
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets68.3416%3,629
Net loans and leases to deposits78.2045%4,329
Net loans and leases to core deposits88.9725%5,228
Total domestic deposits to total assets87.3884%2,273
Equity capital to assets10.0169%3,732
Core capital (leverage) ratio9.1252%4,236
Tier 1 risk-based capital ratio13.9433%3,536
Total risk-based capital ratio14.9785%3,608
Memoranda:
Average total assets$20,531,4007,758
Average earning assets$19,121,8007,728
Average equity$2,097,8007,824
Average total loans$14,001,2007,497
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4882%4,476
Cost of funding earning assets1.7313%4,736
Net interest margin3.7569%3,830
Noninterest income to average assets0.2621%6,357
Noninterest expense to average assets2.8769%4,547
Loan and lease loss provision to assets0.0590%6,774
Net operating income to assets0.8126%2,756
Return on assets (ROA)0.8126%2,820
Pretax return on assets0.8388%3,413
Return on Equity (ROE)7.9124%2,678
Retained earnings to average equity (ytd only)4.2115%2,920
Net charge-offs to loans0.0193%6,638
Credit loss provision to net charge-offs450.0000%877
Earnings coverage of net charge-offs (x)68.4120%489
Efficiency ratio76.2153%3,473
Assets per employee ($millions)3.4883%4,957
Cash dividends to net income (ytd only)*46.7731%2,158
Condition Ratios (%)
Loss allowance to loans1.0135%6,199
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets69.0635%3,698
Net loans and leases to deposits79.2402%4,526
Net loans and leases to core deposits89.7882%5,456
Total domestic deposits to total assets87.1572%2,101
Equity capital to assets10.1911%3,859
Core capital (leverage) ratio9.3213%4,154
Tier 1 risk-based capital ratio14.0464%3,523
Total risk-based capital ratio15.0969%3,585
Memoranda:
Average total assets$20,345,7507,840
Average earning assets$19,022,2507,806
Average equity$2,089,5007,907
Average total loans$13,829,5007,577
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4098%5,099
Cost of funding earning assets1.7574%4,959
Net interest margin3.6524%4,153
Noninterest income to average assets0.2680%6,355
Noninterest expense to average assets2.9378%4,346
Loan and lease loss provision to assets0.0596%6,624
Net operating income to assets0.6749%3,368
Return on assets (ROA)0.6749%3,479
Pretax return on assets0.6948%4,017
Return on Equity (ROE)6.5542%3,410
Retained earnings to average equity (ytd only)1.3494%4,586
Net charge-offs to loans0.0295%6,053
Credit loss provision to net charge-offs300.0000%1,545
Earnings coverage of net charge-offs (x)38.0000%841
Efficiency ratio79.5699%3,117
Assets per employee ($millions)3.5333%4,724
Cash dividends to net income (ytd only)*79.4118%1,091
Condition Ratios (%)
Loss allowance to loans1.0504%5,907
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets64.4292%4,890
Net loans and leases to deposits73.5422%5,531
Net loans and leases to core deposits83.0789%6,155
Total domestic deposits to total assets87.6085%1,965
Equity capital to assets9.7547%4,278
Core capital (leverage) ratio9.2484%4,239
Tier 1 risk-based capital ratio14.2741%3,367
Total risk-based capital ratio15.3481%3,398
Memoranda:
Average total assets$20,151,0007,922
Average earning assets$18,891,6707,888
Average equity$2,075,0007,988
Average total loans$13,571,6707,678
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5912%4,412
Cost of funding earning assets1.8204%5,023
Net interest margin3.7708%3,583
Noninterest income to average assets0.3057%5,996
Noninterest expense to average assets2.9348%4,036
Loan and lease loss provision to assets0.1019%5,661
Net operating income to assets0.8152%3,064
Return on assets (ROA)0.8152%3,219
Pretax return on assets0.8152%4,020
Return on Equity (ROE)7.6979%3,284
Retained earnings to average equity (ytd only)-0.1924%5,685
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.1905%3,456
Assets per employee ($millions)3.3108%5,298
Cash dividends to net income (ytd only)*102.5000%741
Condition Ratios (%)
Loss allowance to loans1.0704%5,687
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets67.9285%4,158
Net loans and leases to deposits78.2216%4,890
Net loans and leases to core deposits88.0292%5,735
Total domestic deposits to total assets86.8412%2,299
Equity capital to assets10.3750%3,585
Core capital (leverage) ratio9.5362%3,936
Tier 1 risk-based capital ratio14.5999%3,256
Total risk-based capital ratio15.7147%3,250
Memoranda:
Average total assets$19,626,5007,990
Average earning assets$18,457,5007,946
Average equity$2,078,5008,039
Average total loans$13,455,5007,727
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2482%4,254
Cost of funding earning assets2.3409%4,967
Net interest margin3.9072%3,521
Noninterest income to average assets0.3685%5,756
Noninterest expense to average assets2.8231%4,723
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets1.0846%2,206
Return on assets (ROA)1.0846%2,126
Pretax return on assets1.1313%2,913
Return on Equity (ROE)10.9642%1,921
Retained earnings to average equity (ytd only)5.2985%1,859
Net charge-offs to loans0.0524%6,039
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)31.1429%1,139
Efficiency ratio71.3911%4,053
Assets per employee ($millions)3.2313%5,392
Cash dividends to net income (ytd only)*51.6746%3,042
Condition Ratios (%)
Loss allowance to loans1.0625%5,531
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets67.7223%4,509
Net loans and leases to deposits80.8149%4,906
Net loans and leases to core deposits90.9847%5,720
Total domestic deposits to total assets83.7993%3,427
Equity capital to assets10.8108%3,196
Core capital (leverage) ratio9.6203%3,856
Tier 1 risk-based capital ratio14.8479%3,126
Total risk-based capital ratio15.9578%3,120
Memoranda:
Average total assets$19,269,8008,042
Average earning assets$17,685,2008,015
Average equity$1,906,2008,140
Average total loans$13,354,4007,748