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The Farmers and Merchants Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9938%2,078
Cost of funding earning assets0.4526%4,245
Net interest margin4.5412%573
Noninterest income to average assets0.2700%3,317
Noninterest expense to average assets2.7420%1,643
Loan and lease loss provision to assets0.3500%287
Net operating income to assets1.1428%1,801
Return on assets (ROA)1.1428%1,773
Pretax return on assets1.4076%1,616
Return on Equity (ROE)8.6400%2,853
Retained earnings to average equity (ytd only)3.9761%2,970
Net charge-offs to loans0.1570%663
Credit loss provision to net charge-offs350.0000%848
Earnings coverage of net charge-offs (x)17.7667%1,965
Efficiency ratio61.0024%2,968
Assets per employee ($millions)4.3409%4,027
Cash dividends to net income (ytd only)*53.9568%1,451
Condition Ratios (%)
Loss allowance to loans1.8046%533
Loan loss allowance to noncurrent loans47.7939%3,634
Noncurrent assets plus other real estate owned to assets2.4427%95
Noncurrent loans to loans3.7759%96
Net loans and leases to total assets63.5200%2,508
Net loans and leases to deposits73.7523%2,633
Net loans and leases to core deposits77.2166%2,901
Total domestic deposits to total assets86.1300%1,968
Equity capital to assets13.6936%733
Core capital (leverage) ratio15.0707%614
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$121,628,4003,640
Average earning assets$113,119,2003,614
Average equity$16,096,2003,173
Average total loans$76,414,6003,464
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9619%1,916
Cost of funding earning assets0.3665%4,294
Net interest margin4.5953%534
Noninterest income to average assets0.2400%3,510
Noninterest expense to average assets2.7938%1,445
Loan and lease loss provision to assets0.3500%251
Net operating income to assets1.1168%2,002
Return on assets (ROA)1.1168%1,984
Pretax return on assets1.3755%1,834
Return on Equity (ROE)8.5100%3,059
Retained earnings to average equity (ytd only)6.2157%2,566
Net charge-offs to loans0.1441%570
Credit loss provision to net charge-offs385.3659%737
Earnings coverage of net charge-offs (x)19.1585%1,845
Efficiency ratio61.8689%2,736
Assets per employee ($millions)4.2853%4,051
Cash dividends to net income (ytd only)*26.9872%2,188
Condition Ratios (%)
Loss allowance to loans1.7519%628
Loan loss allowance to noncurrent loans45.8800%3,658
Noncurrent assets plus other real estate owned to assets2.4577%100
Noncurrent loans to loans3.8184%85
Net loans and leases to total assets63.2400%2,534
Net loans and leases to deposits73.2017%2,633
Net loans and leases to core deposits76.4190%2,838
Total domestic deposits to total assets86.3900%2,071
Equity capital to assets13.4096%735
Core capital (leverage) ratio15.1124%607
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$121,649,0003,647
Average earning assets$113,127,0003,630
Average equity$15,959,2503,173
Average total loans$75,860,5003,476
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9513%1,648
Cost of funding earning assets0.2847%4,336
Net interest margin4.6665%488
Noninterest income to average assets0.2400%3,497
Noninterest expense to average assets2.6923%1,658
Loan and lease loss provision to assets0.3400%263
Net operating income to assets1.2504%1,692
Return on assets (ROA)1.2504%1,684
Pretax return on assets1.5450%1,509
Return on Equity (ROE)9.6000%2,815
Retained earnings to average equity (ytd only)6.1449%2,572
Net charge-offs to loans-0.0557%4,397
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio58.7710%3,101
Assets per employee ($millions)4.1679%4,113
Cash dividends to net income (ytd only)*35.9948%1,863
Condition Ratios (%)
Loss allowance to loans1.7843%637
Loan loss allowance to noncurrent loans42.5197%3,686
Noncurrent assets plus other real estate owned to assets2.6268%93
Noncurrent loans to loans4.1965%78
Net loans and leases to total assets61.4800%2,625
Net loans and leases to deposits70.9777%2,717
Net loans and leases to core deposits73.6722%2,915
Total domestic deposits to total assets86.6200%2,047
Equity capital to assets13.2573%759
Core capital (leverage) ratio14.7350%625
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$122,202,3333,654
Average earning assets$113,788,6673,641
Average equity$15,915,6673,196
Average total loans$75,403,6673,483
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7745%1,680
Cost of funding earning assets0.1887%4,401
Net interest margin4.5857%514
Noninterest income to average assets0.2300%3,568
Noninterest expense to average assets2.7476%1,554
Loan and lease loss provision to assets0.3400%246
Net operating income to assets1.1492%2,071
Return on assets (ROA)1.1492%2,041
Pretax return on assets1.4129%1,859
Return on Equity (ROE)8.9000%3,075
Retained earnings to average equity (ytd only)8.9021%1,977
Net charge-offs to loans0.2179%335
Credit loss provision to net charge-offs256.0976%740
Earnings coverage of net charge-offs (x)13.1463%1,594
Efficiency ratio61.0268%2,819
Assets per employee ($millions)4.4123%4,069
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.5515%1,116
Loan loss allowance to noncurrent loans29.8285%3,803
Noncurrent assets plus other real estate owned to assets3.2102%46
Noncurrent loans to loans5.2013%52
Net loans and leases to total assets60.7600%2,576
Net loans and leases to deposits70.0899%2,601
Net loans and leases to core deposits72.8530%2,756
Total domestic deposits to total assets86.6900%2,373
Equity capital to assets13.1499%728
Core capital (leverage) ratio14.7920%611
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$122,869,0003,696
Average earning assets$114,442,0003,673
Average equity$15,861,5003,226
Average total loans$75,276,5003,524
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5107%705
Cost of funding earning assets0.1057%4,369
Net interest margin4.4050%348
Noninterest income to average assets0.2300%3,761
Noninterest expense to average assets2.5091%2,086
Loan and lease loss provision to assets0.3200%245
Net operating income to assets1.2100%1,736
Return on assets (ROA)1.2100%1,681
Pretax return on assets1.4964%1,463
Return on Equity (ROE)9.0400%3,123
Retained earnings to average equity (ytd only)4.5004%3,235
Net charge-offs to loans0.8864%73
Credit loss provision to net charge-offs60.2782%1,775
Earnings coverage of net charge-offs (x)3.3802%2,467
Efficiency ratio57.9423%3,348
Assets per employee ($millions)4.3640%4,105
Cash dividends to net income (ytd only)*50.2409%1,379
Condition Ratios (%)
Loss allowance to loans1.5060%1,182
Loan loss allowance to noncurrent loans28.6116%3,819
Noncurrent assets plus other real estate owned to assets3.2007%40
Noncurrent loans to loans5.2636%47
Net loans and leases to total assets59.8900%2,638
Net loans and leases to deposits68.7000%2,688
Net loans and leases to core deposits69.3911%2,920
Total domestic deposits to total assets87.1800%2,334
Equity capital to assets12.6660%772
Core capital (leverage) ratio14.3384%675
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$120,084,2003,728
Average earning assets$111,667,6003,705
Average equity$16,065,4003,268
Average total loans$72,988,0003,522
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4235%554
Cost of funding earning assets0.1081%4,215
Net interest margin4.3154%328
Noninterest income to average assets0.2300%3,794
Noninterest expense to average assets2.5282%1,930
Loan and lease loss provision to assets0.3300%200
Net operating income to assets1.1241%1,988
Return on assets (ROA)1.1241%1,957
Pretax return on assets1.3873%1,754
Return on Equity (ROE)8.2900%3,241
Retained earnings to average equity (ytd only)6.0281%2,745
Net charge-offs to loans0.6588%90
Credit loss provision to net charge-offs81.6156%1,417
Earnings coverage of net charge-offs (x)4.2813%2,180
Efficiency ratio59.5952%3,165
Assets per employee ($millions)4.4929%4,059
Cash dividends to net income (ytd only)*27.2817%2,148
Condition Ratios (%)
Loss allowance to loans1.8031%721
Loan loss allowance to noncurrent loans41.0401%3,841
Noncurrent assets plus other real estate owned to assets2.6313%74
Noncurrent loans to loans4.3935%77
Net loans and leases to total assets58.8100%2,616
Net loans and leases to deposits67.5667%2,572
Net loans and leases to core deposits68.2506%2,783
Total domestic deposits to total assets87.0400%2,744
Equity capital to assets12.8012%712
Core capital (leverage) ratio14.6258%593
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$119,557,0003,757
Average earning assets$111,041,7503,740
Average equity$16,212,5003,293
Average total loans$72,659,2503,540
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3975%440
Cost of funding earning assets0.1122%4,055
Net interest margin4.2852%282
Noninterest income to average assets0.2320%3,792
Noninterest expense to average assets2.5787%1,699
Loan and lease loss provision to assets0.3278%194
Net operating income to assets1.0591%1,940
Return on assets (ROA)1.0591%1,908
Pretax return on assets1.3045%1,735
Return on Equity (ROE)7.6641%3,112
Retained earnings to average equity (ytd only)4.3186%2,967
Net charge-offs to loans0.5835%113
Credit loss provision to net charge-offs91.9811%1,332
Earnings coverage of net charge-offs (x)4.5802%1,949
Efficiency ratio61.2375%3,146
Assets per employee ($millions)4.4311%4,133
Cash dividends to net income (ytd only)*43.6508%1,584
Condition Ratios (%)
Loss allowance to loans1.8713%708
Loan loss allowance to noncurrent loans48.7621%3,810
Noncurrent assets plus other real estate owned to assets2.3295%97
Noncurrent loans to loans3.8376%98
Net loans and leases to total assets59.5654%2,369
Net loans and leases to deposits68.6240%2,331
Net loans and leases to core deposits69.6366%2,511
Total domestic deposits to total assets86.7996%3,008
Equity capital to assets13.0684%653
Core capital (leverage) ratio14.5280%535
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$118,973,0003,809
Average earning assets$110,472,3333,801
Average equity$16,440,3333,364
Average total loans$72,661,3333,577
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3825%392
Cost of funding earning assets0.1121%3,979
Net interest margin4.2704%254
Noninterest income to average assets0.2259%3,804
Noninterest expense to average assets2.4478%2,024
Loan and lease loss provision to assets0.3304%179
Net operating income to assets1.1564%1,362
Return on assets (ROA)1.1564%1,361
Pretax return on assets1.4295%1,182
Return on Equity (ROE)8.1458%2,628
Retained earnings to average equity (ytd only)8.1458%1,533
Net charge-offs to loans-0.0770%4,390
Credit loss provision to net charge-offs-700.0000%3,200
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.1731%3,663
Assets per employee ($millions)4.3914%4,204
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans2.0364%583
Loan loss allowance to noncurrent loans60.5617%3,754
Noncurrent assets plus other real estate owned to assets2.0722%132
Noncurrent loans to loans3.3625%140
Net loans and leases to total assets60.3726%2,024
Net loans and leases to deposits70.1557%1,955
Net loans and leases to core deposits71.2089%2,178
Total domestic deposits to total assets86.0551%3,242
Equity capital to assets13.7947%557
Core capital (leverage) ratio14.5810%494
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$118,639,5003,832
Average earning assets$110,621,5003,811
Average equity$16,843,0003,411
Average total loans$72,680,5003,575
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6284%473
Cost of funding earning assets0.1347%4,120
Net interest margin4.4936%276
Noninterest income to average assets0.2132%4,094
Noninterest expense to average assets2.7175%1,586
Loan and lease loss provision to assets0.2750%312
Net operating income to assets1.1549%2,086
Return on assets (ROA)1.1659%2,099
Pretax return on assets1.4391%1,918
Return on Equity (ROE)7.9184%3,244
Retained earnings to average equity (ytd only)3.7236%3,331
Net charge-offs to loans-0.0095%3,726
Credit loss provision to net charge-offs-4,642.8571%4,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5090%2,936
Assets per employee ($millions)4.0935%4,388
Cash dividends to net income (ytd only)*52.9753%1,369
Condition Ratios (%)
Loss allowance to loans1.9034%724
Loan loss allowance to noncurrent loans58.9799%3,814
Noncurrent assets plus other real estate owned to assets1.9653%161
Noncurrent loans to loans3.2272%169
Net loans and leases to total assets59.7370%2,183
Net loans and leases to deposits70.0222%2,132
Net loans and leases to core deposits71.1048%2,345
Total domestic deposits to total assets85.3115%3,168
Equity capital to assets14.5984%558
Core capital (leverage) ratio14.3404%567
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$118,195,0003,820
Average earning assets$110,600,6003,807
Average equity$17,402,4003,434
Average total loans$73,701,4003,591
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6825%497
Cost of funding earning assets0.1388%4,200
Net interest margin4.5438%291
Noninterest income to average assets0.2146%4,113
Noninterest expense to average assets2.7182%1,540
Loan and lease loss provision to assets0.3312%228
Net operating income to assets1.1507%2,362
Return on assets (ROA)1.1507%2,425
Pretax return on assets1.4184%2,258
Return on Equity (ROE)7.7990%3,459
Retained earnings to average equity (ytd only)5.6943%2,958
Net charge-offs to loans-0.0324%4,164
Credit loss provision to net charge-offs-1,627.7778%3,953
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.8443%2,853
Assets per employee ($millions)3.9877%4,459
Cash dividends to net income (ytd only)*26.9872%2,225
Condition Ratios (%)
Loss allowance to loans1.8651%817
Loan loss allowance to noncurrent loans61.8547%3,825
Noncurrent assets plus other real estate owned to assets1.8298%225
Noncurrent loans to loans3.0153%219
Net loans and leases to total assets59.5520%2,317
Net loans and leases to deposits70.0346%2,242
Net loans and leases to core deposits71.1104%2,504
Total domestic deposits to total assets85.0322%3,104
Equity capital to assets14.8040%573
Core capital (leverage) ratio14.4650%564
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$118,065,7503,869
Average earning assets$110,507,0003,849
Average equity$17,420,5003,479
Average total loans$74,054,0003,629
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6997%533
Cost of funding earning assets0.1490%4,214
Net interest margin4.5507%326
Noninterest income to average assets0.2110%4,142
Noninterest expense to average assets2.7309%1,505
Loan and lease loss provision to assets0.3318%237
Net operating income to assets1.1417%2,399
Return on assets (ROA)1.1417%2,456
Pretax return on assets1.4088%2,306
Return on Equity (ROE)7.7465%3,475
Retained earnings to average equity (ytd only)4.5717%3,336
Net charge-offs to loans-0.0912%4,598
Credit loss provision to net charge-offs-573.5294%3,511
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0731%2,862
Assets per employee ($millions)4.0024%4,445
Cash dividends to net income (ytd only)*40.9836%1,567
Condition Ratios (%)
Loss allowance to loans1.7381%991
Loan loss allowance to noncurrent loans51.6430%3,934
Noncurrent assets plus other real estate owned to assets2.0529%205
Noncurrent loans to loans3.3656%194
Net loans and leases to total assets59.9382%2,435
Net loans and leases to deposits70.2370%2,380
Net loans and leases to core deposits71.3009%2,661
Total domestic deposits to total assets85.3371%2,970
Equity capital to assets14.4888%619
Core capital (leverage) ratio14.1473%604
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$117,544,3333,887
Average earning assets$110,049,6673,873
Average equity$17,324,0003,483
Average total loans$74,540,0003,641
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7810%499
Cost of funding earning assets0.1656%4,193
Net interest margin4.6154%308
Noninterest income to average assets0.2030%4,171
Noninterest expense to average assets2.8276%1,314
Loan and lease loss provision to assets0.3371%251
Net operating income to assets1.0973%2,488
Return on assets (ROA)1.0973%2,561
Pretax return on assets1.3519%2,425
Return on Equity (ROE)7.3811%3,503
Retained earnings to average equity (ytd only)7.3811%2,456
Net charge-offs to loans-0.0532%4,419
Credit loss provision to net charge-offs-980.0000%3,359
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.6047%2,656
Assets per employee ($millions)4.2311%4,326
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.5411%1,455
Loan loss allowance to noncurrent loans50.0652%3,985
Noncurrent assets plus other real estate owned to assets1.9422%268
Noncurrent loans to loans3.0783%248
Net loans and leases to total assets62.1232%2,275
Net loans and leases to deposits72.8570%2,227
Net loans and leases to core deposits73.9760%2,515
Total domestic deposits to total assets85.2673%3,007
Equity capital to assets14.5715%559
Core capital (leverage) ratio14.7182%524
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$116,280,5003,900
Average earning assets$108,680,0003,886
Average equity$17,287,5003,489
Average total loans$75,189,0003,651
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0646%435
Cost of funding earning assets0.3308%3,973
Net interest margin4.7338%200
Noninterest income to average assets0.2299%4,123
Noninterest expense to average assets2.9287%1,604
Loan and lease loss provision to assets0.3551%968
Net operating income to assets1.1132%1,871
Return on assets (ROA)1.1168%1,971
Pretax return on assets1.3716%1,749
Return on Equity (ROE)7.4763%3,009
Retained earnings to average equity (ytd only)3.1379%3,268
Net charge-offs to loans0.3992%432
Credit loss provision to net charge-offs130.2932%2,552
Earnings coverage of net charge-offs (x)6.3192%2,792
Efficiency ratio62.9700%2,982
Assets per employee ($millions)3.8030%4,507
Cash dividends to net income (ytd only)*58.0286%1,447
Condition Ratios (%)
Loss allowance to loans1.3804%2,053
Loan loss allowance to noncurrent loans41.2322%4,141
Noncurrent assets plus other real estate owned to assets2.2193%235
Noncurrent loans to loans3.3480%225
Net loans and leases to total assets65.3730%2,174
Net loans and leases to deposits77.3300%2,143
Net loans and leases to core deposits78.1795%2,535
Total domestic deposits to total assets84.5376%2,935
Equity capital to assets15.1740%543
Core capital (leverage) ratio14.6425%563
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$112,642,2003,845
Average earning assets$105,201,2003,834
Average equity$16,826,6003,467
Average total loans$76,901,0003,612
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0874%515
Cost of funding earning assets0.3638%3,982
Net interest margin4.7235%243
Noninterest income to average assets0.2292%4,121
Noninterest expense to average assets3.0031%1,440
Loan and lease loss provision to assets0.3500%1,081
Net operating income to assets1.0472%2,157
Return on assets (ROA)1.0521%2,269
Pretax return on assets1.2908%2,092
Return on Equity (ROE)7.0715%3,164
Retained earnings to average equity (ytd only)4.8766%2,619
Net charge-offs to loans0.1191%1,172
Credit loss provision to net charge-offs427.5362%1,411
Earnings coverage of net charge-offs (x)19.9565%1,921
Efficiency ratio64.7465%2,633
Assets per employee ($millions)3.7248%4,543
Cash dividends to net income (ytd only)*31.0384%2,318
Condition Ratios (%)
Loss allowance to loans1.5353%1,282
Loan loss allowance to noncurrent loans44.7699%4,108
Noncurrent assets plus other real estate owned to assets2.4082%228
Noncurrent loans to loans3.4294%242
Net loans and leases to total assets67.5514%2,307
Net loans and leases to deposits80.3560%2,281
Net loans and leases to core deposits81.9525%2,667
Total domestic deposits to total assets84.0652%2,796
Equity capital to assets15.5947%528
Core capital (leverage) ratio14.8772%565
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$112,280,2503,846
Average earning assets$104,805,7503,838
Average equity$16,705,2503,479
Average total loans$77,219,2503,623
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1165%672
Cost of funding earning assets0.3962%4,049
Net interest margin4.7203%324
Noninterest income to average assets0.2330%4,085
Noninterest expense to average assets2.9913%1,590
Loan and lease loss provision to assets0.3379%1,266
Net operating income to assets1.0687%2,078
Return on assets (ROA)1.0759%2,181
Pretax return on assets1.3196%1,967
Return on Equity (ROE)7.3489%2,987
Retained earnings to average equity (ytd only)4.0085%2,899
Net charge-offs to loans0.1318%1,057
Credit loss provision to net charge-offs372.5490%1,468
Earnings coverage of net charge-offs (x)18.1765%1,777
Efficiency ratio64.4691%2,755
Assets per employee ($millions)3.7656%4,498
Cash dividends to net income (ytd only)*45.4545%1,713
Condition Ratios (%)
Loss allowance to loans1.3841%1,640
Loan loss allowance to noncurrent loans41.4606%4,206
Noncurrent assets plus other real estate owned to assets2.3821%248
Noncurrent loans to loans3.3384%255
Net loans and leases to total assets68.7451%2,224
Net loans and leases to deposits81.1274%2,299
Net loans and leases to core deposits82.9754%2,694
Total domestic deposits to total assets84.7373%2,493
Equity capital to assets14.9803%622
Core capital (leverage) ratio14.1914%712
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$112,459,3333,828
Average earning assets$104,994,3333,824
Average equity$16,465,0003,511
Average total loans$77,405,3333,623
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0836%824
Cost of funding earning assets0.4271%4,246
Net interest margin4.6565%372
Noninterest income to average assets0.2602%3,985
Noninterest expense to average assets3.1585%1,513
Loan and lease loss provision to assets0.3208%967
Net operating income to assets0.9259%2,432
Return on assets (ROA)0.9376%2,495
Pretax return on assets1.1479%2,366
Return on Equity (ROE)6.4794%3,138
Retained earnings to average equity (ytd only)6.4794%1,717
Net charge-offs to loans0.0730%1,295
Credit loss provision to net charge-offs642.8571%756
Earnings coverage of net charge-offs (x)29.1429%1,200
Efficiency ratio68.4699%2,589
Assets per employee ($millions)3.7498%4,226
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.3416%1,944
Loan loss allowance to noncurrent loans34.9915%4,324
Noncurrent assets plus other real estate owned to assets2.6641%249
Noncurrent loans to loans3.8341%213
Net loans and leases to total assets67.1337%2,688
Net loans and leases to deposits78.7409%2,806
Net loans and leases to core deposits83.0168%2,933
Total domestic deposits to total assets85.2589%2,307
Equity capital to assets14.5340%884
Core capital (leverage) ratio14.6100%765
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$112,205,0003,812
Average earning assets$104,885,5003,804
Average equity$16,236,0003,539
Average total loans$76,733,0003,632
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3476%752
Cost of funding earning assets0.3971%4,449
Net interest margin4.9505%294
Noninterest income to average assets0.2531%4,162
Noninterest expense to average assets3.1316%1,683
Loan and lease loss provision to assets0.3141%514
Net operating income to assets1.1561%2,231
Return on assets (ROA)1.1561%2,326
Pretax return on assets1.4173%2,094
Return on Equity (ROE)8.1334%3,107
Retained earnings to average equity (ytd only)3.5236%3,242
Net charge-offs to loans0.2098%979
Credit loss provision to net charge-offs212.1212%1,253
Earnings coverage of net charge-offs (x)11.6909%2,473
Efficiency ratio64.3965%3,020
Assets per employee ($millions)3.6102%4,360
Cash dividends to net income (ytd only)*56.6770%1,724
Condition Ratios (%)
Loss allowance to loans1.2364%2,251
Loan loss allowance to noncurrent loans39.3626%4,280
Noncurrent assets plus other real estate owned to assets2.4420%268
Noncurrent loans to loans3.1410%284
Net loans and leases to total assets67.8783%2,695
Net loans and leases to deposits79.5064%2,837
Net loans and leases to core deposits83.5700%2,995
Total domestic deposits to total assets85.3746%2,356
Equity capital to assets14.4056%964
Core capital (leverage) ratio14.2945%850
Tier 1 risk-based capital ratio24.9126%757
Total risk-based capital ratio26.1653%742
Memoranda:
Average total assets$111,412,4003,814
Average earning assets$103,746,8003,805
Average equity$15,836,0003,560
Average total loans$78,645,4003,625
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3197%830
Cost of funding earning assets0.3834%4,553
Net interest margin4.9363%326
Noninterest income to average assets0.2720%4,111
Noninterest expense to average assets3.1162%1,679
Loan and lease loss provision to assets0.3774%346
Net operating income to assets1.1260%2,469
Return on assets (ROA)1.1250%2,563
Pretax return on assets1.3742%2,407
Return on Equity (ROE)7.9417%3,338
Retained earnings to average equity (ytd only)5.6158%2,560
Net charge-offs to loans0.2006%868
Credit loss provision to net charge-offs264.7059%1,043
Earnings coverage of net charge-offs (x)12.2943%2,368
Efficiency ratio64.0010%3,006
Assets per employee ($millions)3.6108%4,378
Cash dividends to net income (ytd only)*29.2866%2,645
Condition Ratios (%)
Loss allowance to loans1.2529%2,222
Loan loss allowance to noncurrent loans39.5722%4,354
Noncurrent assets plus other real estate owned to assets2.7570%218
Noncurrent loans to loans3.1661%295
Net loans and leases to total assets67.7355%2,827
Net loans and leases to deposits79.4882%2,955
Net loans and leases to core deposits83.5517%3,134
Total domestic deposits to total assets85.2145%2,339
Equity capital to assets14.5434%968
Core capital (leverage) ratio14.5104%856
Tier 1 risk-based capital ratio25.1426%762
Total risk-based capital ratio26.3954%749
Memoranda:
Average total assets$111,286,7503,858
Average earning assets$103,636,7503,854
Average equity$15,764,5003,600
Average total loans$79,077,5003,656
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3087%804
Cost of funding earning assets0.3609%4,649
Net interest margin4.9478%320
Noninterest income to average assets0.2971%3,952
Noninterest expense to average assets3.1763%1,558
Loan and lease loss provision to assets0.3781%329
Net operating income to assets1.1125%2,475
Return on assets (ROA)1.1110%2,555
Pretax return on assets1.3577%2,357
Return on Equity (ROE)7.9138%3,323
Retained earnings to average equity (ytd only)4.3866%3,074
Net charge-offs to loans0.3081%557
Credit loss provision to net charge-offs170.7317%1,360
Earnings coverage of net charge-offs (x)7.8455%2,456
Efficiency ratio64.6391%3,028
Assets per employee ($millions)3.4443%4,562
Cash dividends to net income (ytd only)*44.5705%2,026
Condition Ratios (%)
Loss allowance to loans1.0779%3,195
Loan loss allowance to noncurrent loans34.3260%4,487
Noncurrent assets plus other real estate owned to assets2.7283%248
Noncurrent loans to loans3.1403%312
Net loans and leases to total assets71.0226%2,378
Net loans and leases to deposits83.1915%2,580
Net loans and leases to core deposits87.4743%2,850
Total domestic deposits to total assets85.3725%2,320
Equity capital to assets14.4152%976
Core capital (leverage) ratio14.1851%909
Tier 1 risk-based capital ratio23.8446%862
Total risk-based capital ratio25.0946%844
Memoranda:
Average total assets$111,071,0003,884
Average earning assets$103,641,3303,876
Average equity$15,593,0003,624
Average total loans$79,843,0003,663
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3161%733
Cost of funding earning assets0.3222%4,770
Net interest margin4.9939%282
Noninterest income to average assets0.2440%4,260
Noninterest expense to average assets3.2467%1,392
Loan and lease loss provision to assets0.3767%308
Net operating income to assets1.0583%2,630
Return on assets (ROA)1.0583%2,672
Pretax return on assets1.2915%2,490
Return on Equity (ROE)7.6398%3,407
Retained earnings to average equity (ytd only)7.6398%1,793
Net charge-offs to loans0.1297%964
Credit loss provision to net charge-offs403.8462%689
Earnings coverage of net charge-offs (x)17.8846%1,645
Efficiency ratio66.0584%2,935
Assets per employee ($millions)3.6105%4,454
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.0676%3,316
Loan loss allowance to noncurrent loans33.6519%4,569
Noncurrent assets plus other real estate owned to assets2.7483%249
Noncurrent loans to loans3.1725%323
Net loans and leases to total assets69.9620%2,491
Net loans and leases to deposits81.4608%2,672
Net loans and leases to core deposits85.5418%2,906
Total domestic deposits to total assets85.8843%2,329
Equity capital to assets13.9835%1,042
Core capital (leverage) ratio14.2462%881
Tier 1 risk-based capital ratio23.4851%891
Total risk-based capital ratio24.7349%863
Memoranda:
Average total assets$111,498,0003,911
Average earning assets$104,287,5003,909
Average equity$15,445,5003,650
Average total loans$80,198,5003,690
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1390%786
Cost of funding earning assets0.2727%4,693
Net interest margin4.8663%343
Noninterest income to average assets0.2340%4,512
Noninterest expense to average assets3.0611%1,893
Loan and lease loss provision to assets0.2680%629
Net operating income to assets1.2080%2,129
Return on assets (ROA)1.2094%2,119
Pretax return on assets1.4810%1,841
Return on Equity (ROE)9.0273%2,981
Retained earnings to average equity (ytd only)4.1603%3,270
Net charge-offs to loans0.5382%332
Credit loss provision to net charge-offs68.4932%3,011
Earnings coverage of net charge-offs (x)4.4658%3,294
Efficiency ratio63.6634%3,229
Assets per employee ($millions)3.2668%4,769
Cash dividends to net income (ytd only)*53.9143%1,773
Condition Ratios (%)
Loss allowance to loans0.9428%3,982
Loan loss allowance to noncurrent loans22.7098%4,723
Noncurrent assets plus other real estate owned to assets3.1899%181
Noncurrent loans to loans4.1515%175
Net loans and leases to total assets72.4591%2,182
Net loans and leases to deposits84.1218%2,497
Net loans and leases to core deposits88.3368%2,727
Total domestic deposits to total assets86.1359%2,163
Equity capital to assets13.7210%1,058
Core capital (leverage) ratio13.7241%1,001
Tier 1 risk-based capital ratio22.3360%988
Total risk-based capital ratio23.4419%983
Memoranda:
Average total assets$111,954,8003,912
Average earning assets$105,234,6003,894
Average equity$14,999,0003,642
Average total loans$81,378,8003,641
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1249%722
Cost of funding earning assets0.2680%4,687
Net interest margin4.8569%336
Noninterest income to average assets0.2353%4,565
Noninterest expense to average assets3.0356%1,916
Loan and lease loss provision to assets0.2674%572
Net operating income to assets1.2282%2,129
Return on assets (ROA)1.2302%2,123
Pretax return on assets1.5012%1,891
Return on Equity (ROE)9.2375%2,980
Retained earnings to average equity (ytd only)6.7831%2,246
Net charge-offs to loans0.2604%640
Credit loss provision to net charge-offs141.5094%1,786
Earnings coverage of net charge-offs (x)9.3461%2,647
Efficiency ratio63.2178%3,299
Assets per employee ($millions)3.4911%4,571
Cash dividends to net income (ytd only)*26.5701%2,722
Condition Ratios (%)
Loss allowance to loans1.1968%2,641
Loan loss allowance to noncurrent loans34.6429%4,669
Noncurrent assets plus other real estate owned to assets2.6585%310
Noncurrent loans to loans3.4546%281
Net loans and leases to total assets71.6827%2,377
Net loans and leases to deposits83.1768%2,687
Net loans and leases to core deposits87.3093%2,890
Total domestic deposits to total assets86.1810%2,107
Equity capital to assets13.6507%1,072
Core capital (leverage) ratio13.9889%939
Tier 1 risk-based capital ratio22.6008%983
Total risk-based capital ratio23.8535%958
Memoranda:
Average total assets$112,175,7503,951
Average earning assets$105,469,0003,928
Average equity$14,938,7503,673
Average total loans$81,411,7503,664
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1199%640
Cost of funding earning assets0.2563%4,718
Net interest margin4.8636%326
Noninterest income to average assets0.2065%4,776
Noninterest expense to average assets3.0927%1,809
Loan and lease loss provision to assets0.2671%571
Net operating income to assets1.1544%2,377
Return on assets (ROA)1.1573%2,362
Pretax return on assets1.4119%2,102
Return on Equity (ROE)8.7631%3,139
Retained earnings to average equity (ytd only)5.0556%3,048
Net charge-offs to loans0.3066%522
Credit loss provision to net charge-offs120.0000%1,797
Earnings coverage of net charge-offs (x)7.5280%2,537
Efficiency ratio64.8618%3,181
Assets per employee ($millions)3.5054%4,589
Cash dividends to net income (ytd only)*42.3077%2,017
Condition Ratios (%)
Loss allowance to loans1.1515%2,972
Loan loss allowance to noncurrent loans32.9083%4,713
Noncurrent assets plus other real estate owned to assets2.6878%306
Noncurrent loans to loans3.4991%277
Net loans and leases to total assets71.0940%2,425
Net loans and leases to deposits82.1486%2,754
Net loans and leases to core deposits86.1723%2,907
Total domestic deposits to total assets86.5432%2,039
Equity capital to assets13.2972%1,183
Core capital (leverage) ratio13.5567%1,050
Tier 1 risk-based capital ratio21.9438%1,040
Total risk-based capital ratio23.1951%1,023
Memoranda:
Average total assets$112,329,0003,980
Average earning assets$105,353,6703,960
Average equity$14,835,0003,701
Average total loans$81,532,0003,686
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1996%490
Cost of funding earning assets0.2503%4,707
Net interest margin4.9493%248
Noninterest income to average assets0.1815%4,941
Noninterest expense to average assets2.9785%2,118
Loan and lease loss provision to assets0.2669%521
Net operating income to assets1.2895%1,678
Return on assets (ROA)1.2953%1,661
Pretax return on assets1.5871%1,424
Return on Equity (ROE)9.8415%2,515
Retained earnings to average equity (ytd only)9.8415%1,211
Net charge-offs to loans0.6589%229
Credit loss provision to net charge-offs55.5556%1,906
Earnings coverage of net charge-offs (x)3.8444%2,353
Efficiency ratio61.7257%3,837
Assets per employee ($millions)3.4040%4,788
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.0318%3,769
Loan loss allowance to noncurrent loans33.1110%4,751
Noncurrent assets plus other real estate owned to assets2.4401%390
Noncurrent loans to loans3.1163%372
Net loans and leases to total assets72.0652%2,159
Net loans and leases to deposits83.2559%2,476
Net loans and leases to core deposits87.5575%2,673
Total domestic deposits to total assets86.5587%2,288
Equity capital to assets13.2802%1,124
Core capital (leverage) ratio13.5806%986
Tier 1 risk-based capital ratio21.6202%1,109
Total risk-based capital ratio22.8198%1,087
Memoranda:
Average total assets$112,406,5004,023
Average earning assets$105,470,0003,999
Average equity$14,794,5003,739
Average total loans$81,959,0003,713
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2549%398
Cost of funding earning assets0.2565%4,510
Net interest margin4.9984%239
Noninterest income to average assets0.1912%4,998
Noninterest expense to average assets3.0005%2,167
Loan and lease loss provision to assets0.3142%539
Net operating income to assets1.1065%1,838
Return on assets (ROA)1.1052%1,862
Pretax return on assets1.5469%1,463
Return on Equity (ROE)8.4272%2,591
Retained earnings to average equity (ytd only)3.7173%3,000
Net charge-offs to loans0.3313%765
Credit loss provision to net charge-offs129.6296%2,025
Earnings coverage of net charge-offs (x)7.6852%3,013
Efficiency ratio61.6947%3,985
Assets per employee ($millions)3.4085%4,818
Cash dividends to net income (ytd only)*55.8895%1,970
Condition Ratios (%)
Loss allowance to loans1.0996%3,360
Loan loss allowance to noncurrent loans40.1512%4,686
Noncurrent assets plus other real estate owned to assets2.1657%494
Noncurrent loans to loans2.7386%446
Net loans and leases to total assets72.2066%2,198
Net loans and leases to deposits83.1674%2,587
Net loans and leases to core deposits87.1990%2,802
Total domestic deposits to total assets86.8208%2,080
Equity capital to assets13.0432%1,244
Core capital (leverage) ratio13.1198%1,105
Tier 1 risk-based capital ratio21.1683%1,118
Total risk-based capital ratio22.4187%1,095
Memoranda:
Average total assets$111,381,6004,032
Average earning assets$104,112,8004,021
Average equity$14,607,4003,768
Average total loans$81,492,4003,722
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2922%346
Cost of funding earning assets0.2568%4,509
Net interest margin5.0354%211
Noninterest income to average assets0.2280%4,846
Noninterest expense to average assets3.0120%2,081
Loan and lease loss provision to assets0.1800%1,111
Net operating income to assets1.2449%1,532
Return on assets (ROA)1.2432%1,560
Pretax return on assets1.7388%1,026
Return on Equity (ROE)9.4665%2,367
Retained earnings to average equity (ytd only)7.1546%1,609
Net charge-offs to loans0.2541%854
Credit loss provision to net charge-offs96.7742%2,363
Earnings coverage of net charge-offs (x)10.3291%2,606
Efficiency ratio61.0557%4,035
Assets per employee ($millions)3.4258%4,834
Cash dividends to net income (ytd only)*24.4205%2,969
Condition Ratios (%)
Loss allowance to loans1.0134%3,988
Loan loss allowance to noncurrent loans35.3780%4,851
Noncurrent assets plus other real estate owned to assets2.4476%453
Noncurrent loans to loans2.8646%464
Net loans and leases to total assets70.7607%2,447
Net loans and leases to deposits81.7627%2,800
Net loans and leases to core deposits85.7074%2,992
Total domestic deposits to total assets86.5440%2,080
Equity capital to assets13.2879%1,257
Core capital (leverage) ratio13.3787%1,072
Tier 1 risk-based capital ratio21.5133%1,112
Total risk-based capital ratio22.6834%1,104
Memoranda:
Average total assets$111,107,0004,089
Average earning assets$103,822,7504,068
Average equity$14,591,5003,805
Average total loans$81,335,2503,745
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3299%315
Cost of funding earning assets0.2558%4,492
Net interest margin5.0741%195
Noninterest income to average assets0.2299%4,859
Noninterest expense to average assets3.0147%2,073
Loan and lease loss provision to assets0.1358%1,527
Net operating income to assets1.3026%1,289
Return on assets (ROA)1.3000%1,323
Pretax return on assets1.8161%809
Return on Equity (ROE)9.9391%2,063
Retained earnings to average equity (ytd only)6.4369%1,883
Net charge-offs to loans0.2306%887
Credit loss provision to net charge-offs79.7872%2,266
Earnings coverage of net charge-offs (x)11.4894%2,274
Efficiency ratio60.6557%4,217
Assets per employee ($millions)3.6025%4,573
Cash dividends to net income (ytd only)*35.2368%2,568
Condition Ratios (%)
Loss allowance to loans0.9839%4,246
Loan loss allowance to noncurrent loans31.7680%4,939
Noncurrent assets plus other real estate owned to assets2.5851%402
Noncurrent loans to loans3.0972%407
Net loans and leases to total assets72.5396%2,116
Net loans and leases to deposits83.7529%2,514
Net loans and leases to core deposits88.4572%2,662
Total domestic deposits to total assets86.6114%2,124
Equity capital to assets13.1737%1,294
Core capital (leverage) ratio13.1948%1,104
Tier 1 risk-based capital ratio20.9775%1,188
Total risk-based capital ratio22.1232%1,183
Memoranda:
Average total assets$110,459,3304,124
Average earning assets$103,191,3304,116
Average equity$14,448,0003,828
Average total loans$81,509,0003,753
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3715%286
Cost of funding earning assets0.2528%4,511
Net interest margin5.1187%178
Noninterest income to average assets0.2622%4,661
Noninterest expense to average assets3.0696%1,956
Loan and lease loss provision to assets0.0910%2,020
Net operating income to assets1.3254%1,176
Return on assets (ROA)1.3254%1,210
Pretax return on assets1.8935%649
Return on Equity (ROE)10.1704%1,894
Retained earnings to average equity (ytd only)10.1704%775
Net charge-offs to loans0.5457%327
Credit loss provision to net charge-offs22.5225%2,159
Earnings coverage of net charge-offs (x)4.9099%2,337
Efficiency ratio60.7349%4,356
Assets per employee ($millions)3.2711%5,075
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.9047%4,741
Loan loss allowance to noncurrent loans30.6861%5,031
Noncurrent assets plus other real estate owned to assets2.5967%438
Noncurrent loans to loans2.9484%472
Net loans and leases to total assets72.6811%1,973
Net loans and leases to deposits83.8204%2,303
Net loans and leases to core deposits87.7942%2,567
Total domestic deposits to total assets86.7105%2,352
Equity capital to assets13.0602%1,233
Core capital (leverage) ratio13.3373%1,021
Tier 1 risk-based capital ratio20.7757%1,249
Total risk-based capital ratio21.8231%1,261
Memoranda:
Average total assets$109,850,5004,177
Average earning assets$102,838,5004,160
Average equity$14,316,0003,873
Average total loans$81,356,0003,785
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3617%316
Cost of funding earning assets0.2522%4,545
Net interest margin5.1096%205
Noninterest income to average assets0.2648%4,834
Noninterest expense to average assets2.8610%2,811
Loan and lease loss provision to assets0.5039%276
Net operating income to assets1.2357%1,395
Return on assets (ROA)1.2377%1,472
Pretax return on assets1.6921%1,019
Return on Equity (ROE)9.5357%2,175
Retained earnings to average equity (ytd only)4.6796%2,559
Net charge-offs to loans0.7116%304
Credit loss provision to net charge-offs97.6909%2,651
Earnings coverage of net charge-offs (x)4.2522%3,526
Efficiency ratio56.6069%5,000
Assets per employee ($millions)3.0996%5,265
Cash dividends to net income (ytd only)*50.9252%2,251
Condition Ratios (%)
Loss allowance to loans1.0155%4,221
Loan loss allowance to noncurrent loans32.0872%5,045
Noncurrent assets plus other real estate owned to assets2.7174%420
Noncurrent loans to loans3.1649%411
Net loans and leases to total assets74.0351%1,846
Net loans and leases to deposits85.2287%2,275
Net loans and leases to core deposits89.3603%2,564
Total domestic deposits to total assets86.8664%2,213
Equity capital to assets13.0036%1,258
Core capital (leverage) ratio12.9764%1,140
Tier 1 risk-based capital ratio20.3461%1,316
Total risk-based capital ratio21.5205%1,304
Memoranda:
Average total assets$109,156,2004,183
Average earning assets$102,318,2004,158
Average equity$14,167,8003,925
Average total loans$79,115,0003,818
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3679%318
Cost of funding earning assets0.2446%4,656
Net interest margin5.1233%203
Noninterest income to average assets0.2756%4,800
Noninterest expense to average assets2.8819%2,695
Loan and lease loss provision to assets0.2988%570
Net operating income to assets1.3744%1,118
Return on assets (ROA)1.3806%1,163
Pretax return on assets1.9050%698
Return on Equity (ROE)10.6416%1,812
Retained earnings to average equity (ytd only)8.2538%1,063
Net charge-offs to loans0.5716%368
Credit loss provision to net charge-offs72.7003%2,751
Earnings coverage of net charge-offs (x)5.3413%3,146
Efficiency ratio56.7620%4,985
Assets per employee ($millions)3.3279%5,012
Cash dividends to net income (ytd only)*22.4382%3,125
Condition Ratios (%)
Loss allowance to loans0.9253%4,780
Loan loss allowance to noncurrent loans31.1715%5,149
Noncurrent assets plus other real estate owned to assets2.4094%581
Noncurrent loans to loans2.9684%508
Net loans and leases to total assets72.6361%2,080
Net loans and leases to deposits84.9420%2,374
Net loans and leases to core deposits88.8158%2,681
Total domestic deposits to total assets85.5127%2,600
Equity capital to assets13.3236%1,337
Core capital (leverage) ratio13.1803%1,120
Tier 1 risk-based capital ratio20.6222%1,334
Total risk-based capital ratio21.6825%1,333
Memoranda:
Average total assets$109,324,0004,211
Average earning assets$102,457,7504,178
Average equity$14,183,0003,954
Average total loans$78,608,5003,862
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2899%368
Cost of funding earning assets0.2306%4,845
Net interest margin5.0593%232
Noninterest income to average assets0.2693%4,857
Noninterest expense to average assets2.8912%2,705
Loan and lease loss provision to assets0.3390%484
Net operating income to assets1.2899%1,300
Return on assets (ROA)1.2899%1,410
Pretax return on assets1.7827%917
Return on Equity (ROE)10.0333%2,037
Retained earnings to average equity (ytd only)6.4133%1,911
Net charge-offs to loans0.5669%368
Credit loss provision to net charge-offs83.7104%2,326
Earnings coverage of net charge-offs (x)5.2398%2,880
Efficiency ratio57.6754%4,951
Assets per employee ($millions)3.4206%4,886
Cash dividends to net income (ytd only)*36.0795%2,593
Condition Ratios (%)
Loss allowance to loans1.0180%4,416
Loan loss allowance to noncurrent loans35.9677%5,154
Noncurrent assets plus other real estate owned to assets2.2684%660
Noncurrent loans to loans2.8304%549
Net loans and leases to total assets71.1502%2,307
Net loans and leases to deposits84.8673%2,364
Net loans and leases to core deposits87.7987%2,744
Total domestic deposits to total assets83.8370%3,335
Equity capital to assets13.0239%1,486
Core capital (leverage) ratio12.8015%1,230
Tier 1 risk-based capital ratio20.5028%1,347
Total risk-based capital ratio21.6707%1,340
Memoranda:
Average total assets$109,158,6704,241
Average earning assets$102,346,3304,212
Average equity$14,033,3303,992
Average total loans$77,973,3303,903
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3234%338
Cost of funding earning assets0.2190%5,010
Net interest margin5.1044%202
Noninterest income to average assets0.2679%4,816
Noninterest expense to average assets2.8181%3,005
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.5925%709
Return on assets (ROA)1.5925%752
Pretax return on assets2.2384%355
Return on Equity (ROE)12.4695%1,165
Retained earnings to average equity (ytd only)12.4695%441
Net charge-offs to loans-0.0206%4,875
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.7329%5,217
Assets per employee ($millions)3.4271%4,922
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.0806%4,164
Loan loss allowance to noncurrent loans37.1302%5,142
Noncurrent assets plus other real estate owned to assets2.2760%700
Noncurrent loans to loans2.9103%576
Net loans and leases to total assets70.2004%2,310
Net loans and leases to deposits84.1313%2,290
Net loans and leases to core deposits86.0698%2,741
Total domestic deposits to total assets83.4415%3,735
Equity capital to assets12.9165%1,450
Core capital (leverage) ratio12.8901%1,203
Tier 1 risk-based capital ratio20.4791%1,409
Total risk-based capital ratio21.7054%1,385
Memoranda:
Average total assets$109,008,0004,280
Average earning assets$102,265,5004,247
Average equity$13,922,0004,011
Average total loans$77,619,0003,929
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3697%336
Cost of funding earning assets0.2379%4,918
Net interest margin5.1319%200
Noninterest income to average assets0.8527%1,597
Noninterest expense to average assets2.8618%2,988
Loan and lease loss provision to assets0.4357%284
Net operating income to assets1.8788%420
Return on assets (ROA)1.8788%431
Pretax return on assets2.3671%261
Return on Equity (ROE)15.0003%685
Retained earnings to average equity (ytd only)9.8531%483
Net charge-offs to loans0.4476%615
Credit loss provision to net charge-offs140.4834%1,874
Earnings coverage of net charge-offs (x)9.0363%2,876
Efficiency ratio50.5211%5,735
Assets per employee ($millions)3.3859%5,005
Cash dividends to net income (ytd only)*34.3142%3,129
Condition Ratios (%)
Loss allowance to loans1.0812%4,141
Loan loss allowance to noncurrent loans43.6165%5,024
Noncurrent assets plus other real estate owned to assets1.9843%894
Noncurrent loans to loans2.4790%745
Net loans and leases to total assets70.6728%2,268
Net loans and leases to deposits83.7689%2,390
Net loans and leases to core deposits85.7002%2,815
Total domestic deposits to total assets84.3664%3,343
Equity capital to assets12.6248%1,547
Core capital (leverage) ratio12.6920%1,270
Tier 1 risk-based capital ratio19.9613%1,491
Total risk-based capital ratio21.1887%1,468
Memoranda:
Average total assets$106,714,4004,320
Average earning assets$100,061,2004,289
Average equity$13,366,4004,066
Average total loans$73,952,8003,996
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3844%329
Cost of funding earning assets0.2423%4,970
Net interest margin5.1421%196
Noninterest income to average assets1.0498%1,085
Noninterest expense to average assets2.8747%2,927
Loan and lease loss provision to assets0.3324%414
Net operating income to assets2.1422%285
Return on assets (ROA)2.1422%300
Pretax return on assets2.6615%185
Return on Equity (ROE)17.1375%462
Retained earnings to average equity (ytd only)14.5890%183
Net charge-offs to loans0.4889%494
Credit loss provision to net charge-offs98.8806%2,321
Earnings coverage of net charge-offs (x)8.9068%2,757
Efficiency ratio48.9848%5,822
Assets per employee ($millions)3.3613%5,042
Cash dividends to net income (ytd only)*14.8712%3,429
Condition Ratios (%)
Loss allowance to loans0.9236%5,105
Loan loss allowance to noncurrent loans31.4465%5,407
Noncurrent assets plus other real estate owned to assets2.2991%798
Noncurrent loans to loans2.9369%614
Net loans and leases to total assets69.8140%2,416
Net loans and leases to deposits81.7554%2,672
Net loans and leases to core deposits84.1107%3,027
Total domestic deposits to total assets85.3937%2,830
Equity capital to assets12.8790%1,518
Core capital (leverage) ratio12.8605%1,248
Tier 1 risk-based capital ratio20.3653%1,463
Total risk-based capital ratio21.4021%1,479
Memoranda:
Average total assets$106,305,5004,376
Average earning assets$99,619,5004,341
Average equity$13,288,2504,123
Average total loans$73,088,2504,058
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3861%317
Cost of funding earning assets0.2439%5,012
Net interest margin5.1422%194
Noninterest income to average assets1.4355%616
Noninterest expense to average assets2.8181%3,168
Loan and lease loss provision to assets0.1889%1,059
Net operating income to assets2.6595%138
Return on assets (ROA)2.6595%144
Pretax return on assets3.2469%116
Return on Equity (ROE)21.4962%213
Retained earnings to average equity (ytd only)17.6183%114
Net charge-offs to loans0.3907%667
Credit loss provision to net charge-offs70.9220%2,451
Earnings coverage of net charge-offs (x)12.9007%2,172
Efficiency ratio45.0619%6,079
Assets per employee ($millions)3.2948%5,177
Cash dividends to net income (ytd only)*18.0398%3,249
Condition Ratios (%)
Loss allowance to loans0.9133%5,252
Loan loss allowance to noncurrent loans31.2412%5,476
Noncurrent assets plus other real estate owned to assets2.2175%935
Noncurrent loans to loans2.9233%694
Net loans and leases to total assets68.1216%2,623
Net loans and leases to deposits80.5943%2,713
Net loans and leases to core deposits82.9875%3,085
Total domestic deposits to total assets84.5241%3,334
Equity capital to assets12.8117%1,486
Core capital (leverage) ratio12.6040%1,332
Tier 1 risk-based capital ratio20.4797%1,455
Total risk-based capital ratio21.4879%1,474
Memoranda:
Average total assets$105,886,3304,423
Average earning assets$99,218,0004,387
Average equity$13,100,0004,189
Average total loans$72,186,3304,100
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3677%316
Cost of funding earning assets0.2493%5,029
Net interest margin5.1184%202
Noninterest income to average assets2.6048%257
Noninterest expense to average assets2.7631%3,372
Loan and lease loss provision to assets0.3770%327
Net operating income to assets3.7244%66
Return on assets (ROA)3.7244%69
Pretax return on assets4.2634%80
Return on Equity (ROE)30.6452%54
Retained earnings to average equity (ytd only)30.6452%23
Net charge-offs to loans0.4331%568
Credit loss provision to net charge-offs128.2051%1,385
Earnings coverage of net charge-offs (x)15.7821%1,605
Efficiency ratio37.3218%6,316
Assets per employee ($millions)3.4546%4,976
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.9980%5,040
Loan loss allowance to noncurrent loans48.6251%5,057
Noncurrent assets plus other real estate owned to assets1.6014%1,601
Noncurrent loans to loans2.0525%1,265
Net loans and leases to total assets67.1532%2,587
Net loans and leases to deposits77.1261%2,928
Net loans and leases to core deposits79.3112%3,248
Total domestic deposits to total assets87.0693%2,337
Equity capital to assets12.5469%1,667
Core capital (leverage) ratio12.4746%1,372
Tier 1 risk-based capital ratio20.1588%1,579
Total risk-based capital ratio21.2591%1,586
Memoranda:
Average total assets$106,112,0004,453
Average earning assets$99,483,5004,411
Average equity$12,896,0004,252
Average total loans$72,036,5004,132
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4440%349
Cost of funding earning assets0.3112%4,668
Net interest margin5.1328%235
Noninterest income to average assets0.2677%5,214
Noninterest expense to average assets2.7321%3,741
Loan and lease loss provision to assets0.1947%1,313
Net operating income to assets1.5605%778
Return on assets (ROA)1.5612%807
Pretax return on assets2.2065%310
Return on Equity (ROE)13.5967%1,016
Retained earnings to average equity (ytd only)9.2905%644
Net charge-offs to loans0.3665%1,187
Credit loss provision to net charge-offs80.3213%2,855
Earnings coverage of net charge-offs (x)9.9036%2,681
Efficiency ratio53.2335%5,905
Assets per employee ($millions)3.5043%4,888
Cash dividends to net income (ytd only)*31.6708%3,304
Condition Ratios (%)
Loss allowance to loans0.9842%5,141
Loan loss allowance to noncurrent loans46.6799%5,201
Noncurrent assets plus other real estate owned to assets1.5039%1,813
Noncurrent loans to loans2.1083%1,295
Net loans and leases to total assets67.2767%2,683
Net loans and leases to deposits76.4495%3,147
Net loans and leases to core deposits78.6312%3,452
Total domestic deposits to total assets88.0015%1,771
Equity capital to assets11.7521%2,207
Core capital (leverage) ratio11.6479%1,866
Tier 1 risk-based capital ratio18.7115%1,929
Total risk-based capital ratio19.7814%1,950
Memoranda:
Average total assets$102,740,0004,533
Average earning assets$97,374,0004,465
Average equity$11,797,0004,398
Average total loans$67,945,6004,236
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2804%452
Cost of funding earning assets0.3218%4,652
Net interest margin4.9586%324
Noninterest income to average assets0.2624%5,333
Noninterest expense to average assets2.7125%3,786
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.5903%771
Return on assets (ROA)1.5912%798
Pretax return on assets2.2582%328
Return on Equity (ROE)13.9420%997
Retained earnings to average equity (ytd only)11.0369%508
Net charge-offs to loans0.2803%1,405
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)12.2621%2,338
Efficiency ratio54.5837%5,769
Assets per employee ($millions)3.5127%4,838
Cash dividends to net income (ytd only)*20.8369%3,183
Condition Ratios (%)
Loss allowance to loans0.8684%5,693
Loan loss allowance to noncurrent loans36.3042%5,553
Noncurrent assets plus other real estate owned to assets1.6682%1,817
Noncurrent loans to loans2.3921%1,242
Net loans and leases to total assets66.1843%2,826
Net loans and leases to deposits75.9526%3,187
Net loans and leases to core deposits78.1334%3,525
Total domestic deposits to total assets87.1389%2,238
Equity capital to assets11.5971%2,396
Core capital (leverage) ratio11.7005%1,908
Tier 1 risk-based capital ratio18.5111%2,045
Total risk-based capital ratio19.4411%2,110
Memoranda:
Average total assets$102,142,5004,596
Average earning assets$96,959,5004,525
Average equity$11,657,5004,457
Average total loans$67,074,2504,307
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2774%449
Cost of funding earning assets0.3320%4,622
Net interest margin4.9454%318
Noninterest income to average assets0.2434%5,452
Noninterest expense to average assets2.7052%3,841
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.5798%740
Return on assets (ROA)1.5812%774
Pretax return on assets2.2560%328
Return on Equity (ROE)13.9324%966
Retained earnings to average equity (ytd only)9.5033%837
Net charge-offs to loans0.1697%2,036
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)20.3393%1,588
Efficiency ratio54.5491%5,869
Assets per employee ($millions)3.4470%4,955
Cash dividends to net income (ytd only)*31.7897%2,715
Condition Ratios (%)
Loss allowance to loans1.0291%5,213
Loan loss allowance to noncurrent loans45.9103%5,320
Noncurrent assets plus other real estate owned to assets1.5443%2,109
Noncurrent loans to loans2.2416%1,459
Net loans and leases to total assets64.7278%2,955
Net loans and leases to deposits73.2467%3,429
Net loans and leases to core deposits75.3586%3,698
Total domestic deposits to total assets88.3696%1,700
Equity capital to assets11.3906%2,518
Core capital (leverage) ratio11.6274%1,905
Tier 1 risk-based capital ratio18.5088%2,062
Total risk-based capital ratio19.6059%2,074
Memoranda:
Average total assets$101,063,3304,660
Average earning assets$96,373,3304,570
Average equity$11,469,6704,504
Average total loans$65,980,3304,357
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2231%467
Cost of funding earning assets0.3496%4,545
Net interest margin4.8735%335
Noninterest income to average assets0.2323%5,492
Noninterest expense to average assets2.7070%3,913
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.5469%739
Return on assets (ROA)1.5497%766
Pretax return on assets2.2184%344
Return on Equity (ROE)13.6810%1,003
Retained earnings to average equity (ytd only)13.6810%419
Net charge-offs to loans-0.0246%5,452
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.0041%5,922
Assets per employee ($millions)3.4819%4,960
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1600%4,822
Loan loss allowance to noncurrent loans55.2228%5,009
Noncurrent assets plus other real estate owned to assets1.4865%2,373
Noncurrent loans to loans2.1006%1,753
Net loans and leases to total assets63.7950%2,932
Net loans and leases to deposits72.2131%3,313
Net loans and leases to core deposits73.3320%3,726
Total domestic deposits to total assets88.3427%2,029
Equity capital to assets11.4197%2,316
Core capital (leverage) ratio11.6440%1,867
Tier 1 risk-based capital ratio19.2640%1,886
Total risk-based capital ratio20.5145%1,856
Memoranda:
Average total assets$99,890,0004,740
Average earning assets$96,111,0004,625
Average equity$11,315,0004,540
Average total loans$65,155,0004,424
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2774%556
Cost of funding earning assets0.4263%4,364
Net interest margin4.8511%393
Noninterest income to average assets0.2176%5,778
Noninterest expense to average assets2.6236%4,380
Loan and lease loss provision to assets0.1755%2,103
Net operating income to assets1.4465%923
Return on assets (ROA)1.4472%965
Pretax return on assets2.0640%422
Return on Equity (ROE)13.2663%1,116
Retained earnings to average equity (ytd only)8.5960%876
Net charge-offs to loans0.8072%776
Credit loss provision to net charge-offs34.6535%4,155
Earnings coverage of net charge-offs (x)4.4198%3,570
Efficiency ratio53.9604%6,138
Assets per employee ($millions)3.4071%5,067
Cash dividends to net income (ytd only)*35.2044%3,037
Condition Ratios (%)
Loss allowance to loans1.1545%4,888
Loan loss allowance to noncurrent loans48.2670%5,323
Noncurrent assets plus other real estate owned to assets1.5768%2,365
Noncurrent loans to loans2.3919%1,598
Net loans and leases to total assets65.1637%2,832
Net loans and leases to deposits73.9064%3,272
Net loans and leases to core deposits75.0793%3,722
Total domestic deposits to total assets88.1706%2,076
Equity capital to assets11.2332%2,398
Core capital (leverage) ratio11.0566%2,335
Tier 1 risk-based capital ratio18.9533%1,938
Total risk-based capital ratio20.2024%1,895
Memoranda:
Average total assets$99,710,8004,744
Average earning assets$95,463,6004,636
Average equity$10,877,2004,661
Average total loans$62,564,4004,530
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2571%575
Cost of funding earning assets0.4424%4,358
Net interest margin4.8147%418
Noninterest income to average assets0.2108%5,914
Noninterest expense to average assets2.6282%4,286
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.5276%857
Return on assets (ROA)1.5276%901
Pretax return on assets2.1853%401
Return on Equity (ROE)14.1071%973
Retained earnings to average equity (ytd only)10.9776%580
Net charge-offs to loans0.8161%716
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)4.3219%3,469
Efficiency ratio54.6009%6,050
Assets per employee ($millions)3.4914%4,867
Cash dividends to net income (ytd only)*22.1835%3,004
Condition Ratios (%)
Loss allowance to loans1.0942%5,353
Loan loss allowance to noncurrent loans39.5611%5,646
Noncurrent assets plus other real estate owned to assets1.7935%2,282
Noncurrent loans to loans2.7658%1,517
Net loans and leases to total assets62.7602%3,207
Net loans and leases to deposits73.0977%3,381
Net loans and leases to core deposits74.7055%3,765
Total domestic deposits to total assets85.8581%3,337
Equity capital to assets10.9094%2,848
Core capital (leverage) ratio11.2098%2,292
Tier 1 risk-based capital ratio18.3837%2,179
Total risk-based capital ratio19.5424%2,180
Memoranda:
Average total assets$99,937,2504,782
Average earning assets$95,539,0004,679
Average equity$10,821,7504,726
Average total loans$61,921,2504,583
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2685%557
Cost of funding earning assets0.4590%4,325
Net interest margin4.8094%426
Noninterest income to average assets0.1809%6,126
Noninterest expense to average assets2.6010%4,383
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.5156%875
Return on assets (ROA)1.5156%941
Pretax return on assets2.1709%444
Return on Equity (ROE)14.0318%1,004
Retained earnings to average equity (ytd only)9.3049%1,028
Net charge-offs to loans0.1995%2,565
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)17.7049%1,591
Efficiency ratio54.5072%6,106
Assets per employee ($millions)3.3709%5,130
Cash dividends to net income (ytd only)*33.6870%2,516
Condition Ratios (%)
Loss allowance to loans1.6611%2,932
Loan loss allowance to noncurrent loans51.3323%5,142
Noncurrent assets plus other real estate owned to assets2.0480%2,111
Noncurrent loans to loans3.2359%1,358
Net loans and leases to total assets61.8342%3,323
Net loans and leases to deposits69.5669%3,778
Net loans and leases to core deposits71.0962%4,158
Total domestic deposits to total assets88.8845%1,693
Equity capital to assets10.8844%2,865
Core capital (leverage) ratio10.8589%2,496
Tier 1 risk-based capital ratio18.6970%2,083
Total risk-based capital ratio19.9548%2,049
Memoranda:
Average total assets$99,499,0004,832
Average earning assets$94,980,0004,727
Average equity$10,747,0004,781
Average total loans$61,145,3304,636
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1503%678
Cost of funding earning assets0.4887%4,195
Net interest margin4.6616%512
Noninterest income to average assets0.2232%5,885
Noninterest expense to average assets2.5904%4,432
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.4347%976
Return on assets (ROA)1.4347%1,053
Pretax return on assets2.0803%511
Return on Equity (ROE)13.3327%1,090
Retained earnings to average equity (ytd only)13.3327%516
Net charge-offs to loans0.0590%3,228
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)58.0000%611
Efficiency ratio55.4608%6,113
Assets per employee ($millions)3.4340%5,125
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.7619%2,767
Loan loss allowance to noncurrent loans59.6774%4,734
Noncurrent assets plus other real estate owned to assets1.9129%2,460
Noncurrent loans to loans2.9523%1,702
Net loans and leases to total assets60.0767%3,415
Net loans and leases to deposits67.6856%3,803
Net loans and leases to core deposits69.1469%4,168
Total domestic deposits to total assets88.7585%1,823
Equity capital to assets11.0226%2,942
Core capital (leverage) ratio10.7176%2,533
Tier 1 risk-based capital ratio18.5946%2,161
Total risk-based capital ratio19.8533%2,129
Memoranda:
Average total assets$100,371,0004,857
Average earning assets$95,762,0004,744
Average equity$10,800,5004,809
Average total loans$60,984,5004,671
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7783%383
Cost of funding earning assets0.7549%3,051
Net interest margin5.0233%377
Noninterest income to average assets0.5488%3,589
Noninterest expense to average assets2.8562%3,828
Loan and lease loss provision to assets0.3069%2,225
Net operating income to assets1.5243%874
Return on assets (ROA)1.5345%940
Pretax return on assets2.2076%405
Return on Equity (ROE)13.4106%1,125
Retained earnings to average equity (ytd only)8.4379%988
Net charge-offs to loans0.3308%2,986
Credit loss provision to net charge-offs134.3137%2,078
Earnings coverage of net charge-offs (x)10.9412%2,087
Efficiency ratio53.3250%6,344
Assets per employee ($millions)3.4881%5,025
Cash dividends to net income (ytd only)*37.0803%3,029
Condition Ratios (%)
Loss allowance to loans1.7718%2,680
Loan loss allowance to noncurrent loans56.6196%4,803
Noncurrent assets plus other real estate owned to assets2.0552%2,385
Noncurrent loans to loans3.1293%1,655
Net loans and leases to total assets59.3005%3,725
Net loans and leases to deposits66.4400%4,220
Net loans and leases to core deposits69.2255%4,406
Total domestic deposits to total assets89.2542%1,403
Equity capital to assets10.5026%3,530
Core capital (leverage) ratio10.8028%2,438
Tier 1 risk-based capital ratio18.0741%2,238
Total risk-based capital ratio19.3315%2,207
Memoranda:
Average total assets$89,280,8005,107
Average earning assets$85,441,0004,976
Average equity$10,215,8004,932
Average total loans$61,660,2004,650
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9146%322
Cost of funding earning assets0.8056%2,896
Net interest margin5.1090%336
Noninterest income to average assets0.6642%2,908
Noninterest expense to average assets2.9860%3,283
Loan and lease loss provision to assets0.4233%1,504
Net operating income to assets1.4954%1,026
Return on assets (ROA)1.5092%1,114
Pretax return on assets2.1735%502
Return on Equity (ROE)12.8798%1,368
Retained earnings to average equity (ytd only)9.5314%1,051
Net charge-offs to loans0.2351%3,312
Credit loss provision to net charge-offs251.3761%1,090
Earnings coverage of net charge-offs (x)15.3027%1,775
Efficiency ratio53.6795%6,288
Assets per employee ($millions)3.1065%5,836
Cash dividends to net income (ytd only)*25.9982%2,813
Condition Ratios (%)
Loss allowance to loans1.8843%2,533
Loan loss allowance to noncurrent loans58.4699%4,720
Noncurrent assets plus other real estate owned to assets2.4021%2,216
Noncurrent loans to loans3.2228%1,710
Net loans and leases to total assets68.0279%2,290
Net loans and leases to deposits77.3576%2,752
Net loans and leases to core deposits82.0316%2,959
Total domestic deposits to total assets87.9396%2,078
Equity capital to assets11.6997%2,534
Core capital (leverage) ratio11.1877%2,219
Tier 1 risk-based capital ratio18.3227%2,224
Total risk-based capital ratio19.5823%2,192
Memoranda:
Average total assets$86,312,0005,230
Average earning assets$82,753,5005,101
Average equity$10,113,7505,002
Average total loans$61,808,2504,693
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9711%305
Cost of funding earning assets0.8411%2,872
Net interest margin5.1300%323
Noninterest income to average assets0.8630%1,919
Noninterest expense to average assets2.9558%3,421
Loan and lease loss provision to assets0.6443%887
Net operating income to assets1.5155%965
Return on assets (ROA)1.5285%1,065
Pretax return on assets2.2010%482
Return on Equity (ROE)13.0369%1,356
Retained earnings to average equity (ytd only)7.9425%1,658
Net charge-offs to loans-0.0292%6,518
Credit loss provision to net charge-offs-3,044.4444%6,535
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.1183%6,574
Assets per employee ($millions)3.0580%5,933
Cash dividends to net income (ytd only)*39.0769%2,208
Condition Ratios (%)
Loss allowance to loans2.0913%2,020
Loan loss allowance to noncurrent loans62.2714%4,539
Noncurrent assets plus other real estate owned to assets2.4515%2,276
Noncurrent loans to loans3.3584%1,729
Net loans and leases to total assets68.3123%2,231
Net loans and leases to deposits77.4076%2,769
Net loans and leases to core deposits82.6952%2,871
Total domestic deposits to total assets88.2500%1,985
Equity capital to assets11.4455%2,643
Core capital (leverage) ratio11.1431%2,167
Tier 1 risk-based capital ratio17.9793%2,295
Total risk-based capital ratio19.2438%2,262
Memoranda:
Average total assets$85,053,3305,301
Average earning assets$81,559,0005,163
Average equity$9,971,6705,038
Average total loans$61,590,3304,724
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1019%266
Cost of funding earning assets0.8746%2,878
Net interest margin5.2273%285
Noninterest income to average assets1.5089%631
Noninterest expense to average assets3.0034%3,231
Loan and lease loss provision to assets1.3167%280
Net operating income to assets1.5160%993
Return on assets (ROA)1.5425%1,071
Pretax return on assets2.2249%517
Return on Equity (ROE)12.9927%1,404
Retained earnings to average equity (ytd only)12.9927%681
Net charge-offs to loans0.0846%3,658
Credit loss provision to net charge-offs2,107.6923%144
Earnings coverage of net charge-offs (x)56.0769%576
Efficiency ratio46.1595%6,892
Assets per employee ($millions)2.9687%6,218
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.0885%2,131
Loan loss allowance to noncurrent loans57.1878%4,670
Noncurrent assets plus other real estate owned to assets2.7947%2,098
Noncurrent loans to loans3.6521%1,697
Net loans and leases to total assets71.7960%1,442
Net loans and leases to deposits81.9654%1,939
Net loans and leases to core deposits88.9497%1,958
Total domestic deposits to total assets87.5931%2,592
Equity capital to assets12.0412%2,009
Core capital (leverage) ratio11.5608%1,861
Tier 1 risk-based capital ratio18.4501%2,162
Total risk-based capital ratio19.6876%2,132
Memoranda:
Average total assets$83,239,5005,378
Average earning assets$79,581,5005,252
Average equity$9,882,5005,068
Average total loans$61,448,5004,756
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3602%231
Cost of funding earning assets1.0280%3,173
Net interest margin5.3322%228
Noninterest income to average assets0.2921%5,446
Noninterest expense to average assets3.1799%2,939
Loan and lease loss provision to assets0.5791%1,786
Net operating income to assets1.1506%1,666
Return on assets (ROA)1.1506%1,777
Pretax return on assets1.6159%1,168
Return on Equity (ROE)9.6996%2,167
Retained earnings to average equity (ytd only)6.0969%1,961
Net charge-offs to loans0.2508%4,211
Credit loss provision to net charge-offs297.4026%794
Earnings coverage of net charge-offs (x)11.2727%1,736
Efficiency ratio59.1625%5,875
Assets per employee ($millions)2.9770%6,138
Cash dividends to net income (ytd only)*37.1429%2,756
Condition Ratios (%)
Loss allowance to loans1.6337%3,451
Loan loss allowance to noncurrent loans45.0378%5,311
Noncurrent assets plus other real estate owned to assets3.0028%2,009
Noncurrent loans to loans3.6274%1,753
Net loans and leases to total assets73.0997%1,433
Net loans and leases to deposits83.4802%1,989
Net loans and leases to core deposits90.5515%2,044
Total domestic deposits to total assets87.5654%2,436
Equity capital to assets11.7040%2,339
Core capital (leverage) ratio11.5527%1,841
Tier 1 risk-based capital ratio17.8692%2,242
Total risk-based capital ratio19.1275%2,207
Memoranda:
Average total assets$79,091,4005,477
Average earning assets$75,391,2005,362
Average equity$9,381,8005,188
Average total loans$61,414,0004,815
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4706%202
Cost of funding earning assets1.0674%3,193
Net interest margin5.4032%206
Noninterest income to average assets0.2973%5,481
Noninterest expense to average assets3.2040%2,821
Loan and lease loss provision to assets0.5776%1,702
Net operating income to assets1.1876%1,684
Return on assets (ROA)1.1876%1,802
Pretax return on assets1.6627%1,225
Return on Equity (ROE)9.9765%2,209
Retained earnings to average equity (ytd only)7.5506%1,690
Net charge-offs to loans0.1349%4,702
Credit loss provision to net charge-offs545.1613%503
Earnings coverage of net charge-offs (x)21.1464%1,194
Efficiency ratio58.8512%5,888
Assets per employee ($millions)2.8211%6,448
Cash dividends to net income (ytd only)*24.3169%2,753
Condition Ratios (%)
Loss allowance to loans1.6054%3,638
Loan loss allowance to noncurrent loans40.9829%5,567
Noncurrent assets plus other real estate owned to assets3.3637%1,887
Noncurrent loans to loans3.9172%1,695
Net loans and leases to total assets76.3502%935
Net loans and leases to deposits87.7566%1,459
Net loans and leases to core deposits95.8488%1,620
Total domestic deposits to total assets87.0022%2,657
Equity capital to assets12.2775%2,035
Core capital (leverage) ratio11.7465%1,860
Tier 1 risk-based capital ratio17.9810%2,263
Total risk-based capital ratio19.2381%2,220
Memoranda:
Average total assets$78,025,2505,552
Average earning assets$74,324,2505,434
Average equity$9,288,2505,236
Average total loans$61,281,2504,858
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4689%213
Cost of funding earning assets1.0755%3,421
Net interest margin5.3934%214
Noninterest income to average assets0.3011%5,479
Noninterest expense to average assets3.1710%3,002
Loan and lease loss provision to assets0.6769%1,424
Net operating income to assets1.1480%1,725
Return on assets (ROA)1.1480%1,805
Pretax return on assets1.6035%1,254
Return on Equity (ROE)9.7469%2,212
Retained earnings to average equity (ytd only)6.0535%2,392
Net charge-offs to loans0.1958%3,977
Credit loss provision to net charge-offs438.3333%691
Earnings coverage of net charge-offs (x)14.7667%1,459
Efficiency ratio58.1681%6,136
Assets per employee ($millions)2.7879%6,495
Cash dividends to net income (ytd only)*37.8924%2,164
Condition Ratios (%)
Loss allowance to loans1.4877%4,189
Loan loss allowance to noncurrent loans34.7843%5,996
Noncurrent assets plus other real estate owned to assets3.4025%1,940
Noncurrent loans to loans4.2769%1,584
Net loans and leases to total assets77.2803%871
Net loans and leases to deposits88.1622%1,475
Net loans and leases to core deposits97.6322%1,529
Total domestic deposits to total assets87.6569%2,363
Equity capital to assets11.9703%2,113
Core capital (leverage) ratio11.4525%1,945
Tier 1 risk-based capital ratio17.2980%2,415
Total risk-based capital ratio18.5536%2,383
Memoranda:
Average total assets$77,703,6705,604
Average earning assets$74,201,3305,487
Average equity$9,151,6705,282
Average total loans$61,277,3304,899
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4751%220
Cost of funding earning assets1.0720%3,708
Net interest margin5.4031%193
Noninterest income to average assets0.3302%5,264
Noninterest expense to average assets3.2247%2,799
Loan and lease loss provision to assets0.9700%801
Net operating income to assets0.9390%2,405
Return on assets (ROA)0.9390%2,467
Pretax return on assets1.2847%2,085
Return on Equity (ROE)8.0393%2,889
Retained earnings to average equity (ytd only)8.0393%1,713
Net charge-offs to loans0.2545%3,057
Credit loss provision to net charge-offs482.0513%741
Earnings coverage of net charge-offs (x)11.2051%1,571
Efficiency ratio58.8512%6,149
Assets per employee ($millions)2.8154%6,505
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.3945%4,690
Loan loss allowance to noncurrent loans38.3102%5,739
Noncurrent assets plus other real estate owned to assets2.9036%2,381
Noncurrent loans to loans3.6399%2,036
Net loans and leases to total assets76.8723%891
Net loans and leases to deposits87.3514%1,541
Net loans and leases to core deposits96.5645%1,633
Total domestic deposits to total assets88.0036%2,369
Equity capital to assets11.6361%2,172
Core capital (leverage) ratio11.7329%1,716
Tier 1 risk-based capital ratio16.9367%2,505
Total risk-based capital ratio18.1922%2,477
Memoranda:
Average total assets$77,525,5005,656
Average earning assets$73,883,0005,541
Average equity$9,055,5005,310
Average total loans$61,298,0004,944
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6225%269
Cost of funding earning assets1.2863%3,974
Net interest margin5.3363%225
Noninterest income to average assets0.2524%5,993
Noninterest expense to average assets3.2070%3,064
Loan and lease loss provision to assets0.9871%1,644
Net operating income to assets0.8273%2,682
Return on assets (ROA)0.8423%2,759
Pretax return on assets1.1212%2,502
Return on Equity (ROE)7.1954%3,025
Retained earnings to average equity (ytd only)5.2774%2,262
Net charge-offs to loans1.3904%1,604
Credit loss provision to net charge-offs88.4524%5,188
Earnings coverage of net charge-offs (x)1.8714%4,322
Efficiency ratio60.5620%5,958
Assets per employee ($millions)2.7221%6,648
Cash dividends to net income (ytd only)*26.6562%3,191
Condition Ratios (%)
Loss allowance to loans1.1580%5,702
Loan loss allowance to noncurrent loans31.0799%6,223
Noncurrent assets plus other real estate owned to assets3.1514%2,247
Noncurrent loans to loans3.7259%1,989
Net loans and leases to total assets79.2860%759
Net loans and leases to deposits93.7249%1,084
Net loans and leases to core deposits103.5203%1,345
Total domestic deposits to total assets84.5944%4,060
Equity capital to assets11.7267%2,102
Core capital (leverage) ratio11.5957%1,786
Tier 1 risk-based capital ratio16.6950%2,459
Total risk-based capital ratio17.9468%2,426
Memoranda:
Average total assets$75,274,0005,735
Average earning assets$71,135,8005,627
Average equity$8,811,2005,472
Average total loans$60,412,2005,052
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6159%279
Cost of funding earning assets1.3277%4,051
Net interest margin5.2882%248
Noninterest income to average assets0.2878%5,815
Noninterest expense to average assets3.1912%2,956
Loan and lease loss provision to assets1.0128%1,460
Net operating income to assets0.8113%2,953
Return on assets (ROA)0.8316%3,012
Pretax return on assets1.0999%2,824
Return on Equity (ROE)7.1072%3,297
Retained earnings to average equity (ytd only)7.1072%1,796
Net charge-offs to loans1.6204%1,215
Credit loss provision to net charge-offs77.8689%5,200
Earnings coverage of net charge-offs (x)1.6038%4,514
Efficiency ratio60.4714%5,878
Assets per employee ($millions)2.7820%6,623
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.0444%6,196
Loan loss allowance to noncurrent loans25.8648%6,580
Noncurrent assets plus other real estate owned to assets3.4547%2,060
Noncurrent loans to loans4.0379%1,850
Net loans and leases to total assets78.2117%1,006
Net loans and leases to deposits88.9933%1,861
Net loans and leases to core deposits100.0460%1,848
Total domestic deposits to total assets87.8850%2,025
Equity capital to assets11.6683%2,386
Core capital (leverage) ratio11.4591%1,964
Tier 1 risk-based capital ratio16.7073%2,462
Total risk-based capital ratio17.9237%2,434
Memoranda:
Average total assets$75,037,7505,805
Average earning assets$70,797,2505,712
Average equity$8,779,5005,561
Average total loans$60,230,5005,138
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6209%282
Cost of funding earning assets1.3437%4,227
Net interest margin5.2773%252
Noninterest income to average assets0.2862%5,856
Noninterest expense to average assets3.2530%2,719
Loan and lease loss provision to assets1.2148%1,152
Net operating income to assets0.6267%3,749
Return on assets (ROA)0.6587%3,744
Pretax return on assets0.8315%3,773
Return on Equity (ROE)5.6245%3,980
Retained earnings to average equity (ytd only)5.6245%2,543
Net charge-offs to loans2.2046%811
Credit loss provision to net charge-offs68.2853%5,011
Earnings coverage of net charge-offs (x)1.1275%4,661
Efficiency ratio61.8583%5,714
Assets per employee ($millions)2.6704%6,825
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.9714%6,517
Loan loss allowance to noncurrent loans22.1068%6,841
Noncurrent assets plus other real estate owned to assets3.6926%1,897
Noncurrent loans to loans4.3942%1,671
Net loans and leases to total assets81.2574%634
Net loans and leases to deposits92.5088%1,456
Net loans and leases to core deposits104.4994%1,592
Total domestic deposits to total assets87.8375%2,087
Equity capital to assets11.7131%2,270
Core capital (leverage) ratio11.3565%2,010
Tier 1 risk-based capital ratio16.4639%2,484
Total risk-based capital ratio17.6039%2,477
Memoranda:
Average total assets$74,085,3305,863
Average earning assets$69,809,0005,780
Average equity$8,676,3305,592
Average total loans$59,785,3305,187
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5754%317
Cost of funding earning assets1.3749%4,330
Net interest margin5.2005%287
Noninterest income to average assets0.2712%5,989
Noninterest expense to average assets3.3197%2,467
Loan and lease loss provision to assets0.4068%2,926
Net operating income to assets1.0634%1,950
Return on assets (ROA)1.1228%1,837
Pretax return on assets1.5296%1,442
Return on Equity (ROE)9.5883%2,250
Retained earnings to average equity (ytd only)9.5883%1,239
Net charge-offs to loans0.8746%1,807
Credit loss provision to net charge-offs58.1395%4,338
Earnings coverage of net charge-offs (x)2.6512%3,206
Efficiency ratio64.1509%5,465
Assets per employee ($millions)2.7742%6,709
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.2557%5,179
Loan loss allowance to noncurrent loans22.3512%6,891
Noncurrent assets plus other real estate owned to assets4.5472%1,483
Noncurrent loans to loans5.6181%1,228
Net loans and leases to total assets78.8423%996
Net loans and leases to deposits89.6554%1,958
Net loans and leases to core deposits101.1891%2,009
Total domestic deposits to total assets87.9392%2,101
Equity capital to assets11.6643%2,256
Core capital (leverage) ratio11.6669%1,821
Tier 1 risk-based capital ratio15.7839%2,734
Total risk-based capital ratio17.0344%2,680
Memoranda:
Average total assets$73,742,5005,947
Average earning assets$69,531,5005,860
Average equity$8,635,5005,652
Average total loans$59,001,5005,291
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5684%580
Cost of funding earning assets1.7461%4,269
Net interest margin4.8223%660
Noninterest income to average assets0.2635%6,232
Noninterest expense to average assets3.2434%3,215
Loan and lease loss provision to assets0.6143%3,339
Net operating income to assets0.7668%2,651
Return on assets (ROA)0.7668%2,744
Pretax return on assets0.9859%2,638
Return on Equity (ROE)6.5582%2,968
Retained earnings to average equity (ytd only)2.5497%3,366
Net charge-offs to loans0.4802%3,859
Credit loss provision to net charge-offs162.8676%2,698
Earnings coverage of net charge-offs (x)4.2426%3,013
Efficiency ratio66.9625%5,194
Assets per employee ($millions)2.5922%7,055
Cash dividends to net income (ytd only)*61.1212%1,950
Condition Ratios (%)
Loss allowance to loans1.3833%4,317
Loan loss allowance to noncurrent loans22.8369%6,924
Noncurrent assets plus other real estate owned to assets4.9200%1,259
Noncurrent loans to loans6.0571%1,036
Net loans and leases to total assets79.0717%1,164
Net loans and leases to deposits90.1255%2,198
Net loans and leases to core deposits101.3707%3,865
Total domestic deposits to total assets87.7351%2,102
Equity capital to assets11.7579%2,161
Core capital (leverage) ratio11.1948%2,110
Tier 1 risk-based capital ratio16.7733%2,214
Total risk-based capital ratio18.0287%2,182
Memoranda:
Average total assets$72,116,6005,940
Average earning assets$68,494,4005,852
Average equity$8,432,2005,787
Average total loans$56,642,8005,395
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5095%728
Cost of funding earning assets1.7702%4,527
Net interest margin4.7393%777
Noninterest income to average assets0.3130%5,976
Noninterest expense to average assets3.1332%3,523
Loan and lease loss provision to assets0.6815%2,695
Net operating income to assets0.7870%2,868
Return on assets (ROA)0.7870%2,930
Pretax return on assets1.0148%2,860
Return on Equity (ROE)6.7404%3,190
Retained earnings to average equity (ytd only)4.0601%3,007
Net charge-offs to loans0.5072%3,192
Credit loss provision to net charge-offs171.9626%2,699
Earnings coverage of net charge-offs (x)4.2803%3,190
Efficiency ratio64.8773%5,571
Assets per employee ($millions)2.7568%6,721
Cash dividends to net income (ytd only)*39.7653%2,447
Condition Ratios (%)
Loss allowance to loans1.3700%4,112
Loan loss allowance to noncurrent loans20.8510%7,048
Noncurrent assets plus other real estate owned to assets5.1120%1,141
Noncurrent loans to loans6.5705%867
Net loans and leases to total assets76.3129%1,932
Net loans and leases to deposits86.9263%3,153
Net loans and leases to core deposits97.5745%4,656
Total domestic deposits to total assets87.7904%1,753
Equity capital to assets11.6884%2,444
Core capital (leverage) ratio11.2779%2,200
Tier 1 risk-based capital ratio16.9173%2,302
Total risk-based capital ratio18.1712%2,250
Memoranda:
Average total assets$72,000,5005,979
Average earning assets$68,615,7505,896
Average equity$8,406,7505,849
Average total loans$56,254,5005,451
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6160%644
Cost of funding earning assets1.7947%4,786
Net interest margin4.8213%630
Noninterest income to average assets0.3062%6,065
Noninterest expense to average assets3.1016%3,692
Loan and lease loss provision to assets0.4860%3,102
Net operating income to assets0.9861%2,161
Return on assets (ROA)0.9861%2,257
Pretax return on assets1.3148%1,976
Return on Equity (ROE)8.4487%2,593
Retained earnings to average equity (ytd only)4.3808%2,863
Net charge-offs to loans0.2114%4,191
Credit loss provision to net charge-offs293.2203%1,593
Earnings coverage of net charge-offs (x)10.8644%1,953
Efficiency ratio63.2665%6,045
Assets per employee ($millions)2.7194%6,797
Cash dividends to net income (ytd only)*48.1481%2,120
Condition Ratios (%)
Loss allowance to loans1.3260%4,119
Loan loss allowance to noncurrent loans19.9573%7,128
Noncurrent assets plus other real estate owned to assets5.1333%1,013
Noncurrent loans to loans6.6443%776
Net loans and leases to total assets75.8087%2,223
Net loans and leases to deposits86.1946%3,518
Net loans and leases to core deposits96.9957%4,791
Total domestic deposits to total assets87.9506%1,798
Equity capital to assets11.5073%2,536
Core capital (leverage) ratio11.3873%2,138
Tier 1 risk-based capital ratio17.1113%2,270
Total risk-based capital ratio18.3661%2,211
Memoranda:
Average total assets$71,189,6706,053
Average earning assets$67,866,0005,953
Average equity$8,309,0005,913
Average total loans$55,809,0005,514
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7155%566
Cost of funding earning assets1.8331%4,956
Net interest margin4.8824%523
Noninterest income to average assets0.2626%6,356
Noninterest expense to average assets3.0197%3,678
Loan and lease loss provision to assets0.5480%2,279
Net operating income to assets1.0161%2,242
Return on assets (ROA)1.0161%2,384
Pretax return on assets1.3472%2,128
Return on Equity (ROE)8.6418%2,866
Retained earnings to average equity (ytd only)8.6418%1,582
Net charge-offs to loans0.1802%3,559
Credit loss provision to net charge-offs384.0000%1,344
Earnings coverage of net charge-offs (x)13.2800%1,742
Efficiency ratio61.4402%6,168
Assets per employee ($millions)2.6299%7,028
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2665%4,299
Loan loss allowance to noncurrent loans23.4609%6,988
Noncurrent assets plus other real estate owned to assets4.2616%1,166
Noncurrent loans to loans5.3982%977
Net loans and leases to total assets77.4036%1,951
Net loans and leases to deposits88.2201%3,252
Net loans and leases to core deposits98.4418%4,701
Total domestic deposits to total assets87.7392%1,866
Equity capital to assets11.7284%2,425
Core capital (leverage) ratio11.8540%1,971
Tier 1 risk-based capital ratio17.2805%2,249
Total risk-based capital ratio18.5338%2,196
Memoranda:
Average total assets$70,073,0006,114
Average earning assets$66,770,5006,011
Average equity$8,239,0005,973
Average total loans$55,509,0005,563
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8670%1,497
Cost of funding earning assets1.8684%6,830
Net interest margin4.9987%511
Noninterest income to average assets0.4254%5,259
Noninterest expense to average assets3.2060%3,315
Loan and lease loss provision to assets0.5869%2,475
Net operating income to assets1.0449%2,382
Return on assets (ROA)1.0449%2,273
Pretax return on assets1.3678%2,063
Return on Equity (ROE)8.4921%2,846
Retained earnings to average equity (ytd only)5.8044%1,618
Net charge-offs to loans0.3792%2,942
Credit loss provision to net charge-offs204.3243%2,379
Earnings coverage of net charge-offs (x)6.8054%3,265
Efficiency ratio62.1239%5,929
Assets per employee ($millions)2.5607%7,086
Cash dividends to net income (ytd only)*31.6493%4,046
Condition Ratios (%)
Loss allowance to loans1.1454%4,955
Loan loss allowance to noncurrent loans36.2908%6,314
Noncurrent assets plus other real estate owned to assets2.5572%1,892
Noncurrent loans to loans3.1562%1,676
Net loans and leases to total assets79.1406%1,848
Net loans and leases to deposits90.3010%3,404
Net loans and leases to core deposits100.5384%4,772
Total domestic deposits to total assets87.6408%1,643
Equity capital to assets11.7878%2,443
Core capital (leverage) ratio11.7359%2,106
Tier 1 risk-based capital ratio17.1103%2,275
Total risk-based capital ratio18.3616%2,225
Memoranda:
Average total assets$64,409,8006,214
Average earning assets$61,016,2006,132
Average equity$7,925,0006,115
Average total loans$48,790,0005,747