Home > The First National Bank of Dryden > Performance and Condition Ratios

The First National Bank of Dryden, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4587%3,935
Cost of funding earning assets0.1957%4,362
Net interest margin4.2630%874
Noninterest income to average assets0.1300%3,988
Noninterest expense to average assets1.7522%3,981
Loan and lease loss provision to assets0.0100%2,596
Net operating income to assets2.0639%416
Return on assets (ROA)2.0639%422
Pretax return on assets2.3870%374
Return on Equity (ROE)21.8400%320
Retained earnings to average equity (ytd only)19.4062%178
Net charge-offs to loans0.1340%703
Credit loss provision to net charge-offs19.3548%1,658
Earnings coverage of net charge-offs (x)40.7097%1,089
Efficiency ratio42.2161%4,228
Assets per employee ($millions)5.5074%3,318
Cash dividends to net income (ytd only)*11.1418%2,162
Condition Ratios (%)
Loss allowance to loans1.3845%1,355
Loan loss allowance to noncurrent loans174.0541%2,310
Noncurrent assets plus other real estate owned to assets0.3822%1,815
Noncurrent loans to loans0.7954%1,308
Net loans and leases to total assets42.7100%3,890
Net loans and leases to deposits47.2819%3,964
Net loans and leases to core deposits47.3456%4,037
Total domestic deposits to total assets90.3400%706
Equity capital to assets9.5783%2,512
Core capital (leverage) ratio12.4000%1,310
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$210,477,0002,951
Average earning assets$198,264,0002,928
Average equity$19,890,5003,011
Average total loans$92,551,5003,284
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4014%3,979
Cost of funding earning assets0.2121%4,375
Net interest margin4.1894%944
Noninterest income to average assets0.1700%3,879
Noninterest expense to average assets2.0829%3,417
Loan and lease loss provision to assets0.0700%1,825
Net operating income to assets1.7413%614
Return on assets (ROA)1.2940%1,309
Pretax return on assets1.4686%1,348
Return on Equity (ROE)14.8100%967
Retained earnings to average equity (ytd only)10.8586%455
Net charge-offs to loans0.1751%789
Credit loss provision to net charge-offs98.0392%1,930
Earnings coverage of net charge-offs (x)29.0196%1,554
Efficiency ratio50.4464%3,966
Assets per employee ($millions)5.2863%3,447
Cash dividends to net income (ytd only)*26.6738%2,715
Condition Ratios (%)
Loss allowance to loans1.4261%1,225
Loan loss allowance to noncurrent loans168.5494%2,384
Noncurrent assets plus other real estate owned to assets0.4137%1,672
Noncurrent loans to loans0.8461%1,179
Net loans and leases to total assets44.0200%3,886
Net loans and leases to deposits48.5573%3,956
Net loans and leases to core deposits48.6245%4,043
Total domestic deposits to total assets90.6600%613
Equity capital to assets9.3167%2,584
Core capital (leverage) ratio12.4214%1,267
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$217,002,4002,892
Average earning assets$205,138,2002,855
Average equity$18,962,0003,044
Average total loans$87,373,8003,335
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3057%4,058
Cost of funding earning assets0.2129%4,414
Net interest margin4.0928%1,026
Noninterest income to average assets0.1700%3,870
Noninterest expense to average assets1.7507%3,998
Loan and lease loss provision to assets0.0100%2,797
Net operating income to assets1.9989%432
Return on assets (ROA)1.7671%627
Pretax return on assets2.0184%628
Return on Equity (ROE)20.5400%396
Retained earnings to average equity (ytd only)17.9532%145
Net charge-offs to loans0.1392%788
Credit loss provision to net charge-offs20.0000%2,184
Earnings coverage of net charge-offs (x)41.9778%1,306
Efficiency ratio43.2988%4,251
Assets per employee ($millions)5.5533%3,224
Cash dividends to net income (ytd only)*12.6030%2,752
Condition Ratios (%)
Loss allowance to loans1.3830%1,398
Loan loss allowance to noncurrent loans118.2510%2,842
Noncurrent assets plus other real estate owned to assets0.4857%1,441
Noncurrent loans to loans1.1696%851
Net loans and leases to total assets40.9600%3,996
Net loans and leases to deposits45.3824%4,076
Net loans and leases to core deposits45.4419%4,140
Total domestic deposits to total assets90.2500%521
Equity capital to assets9.6515%2,533
Core capital (leverage) ratio12.5649%1,252
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$219,711,2502,876
Average earning assets$207,905,5002,837
Average equity$18,900,5003,043
Average total loans$86,199,2503,362
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2042%4,129
Cost of funding earning assets0.2153%4,422
Net interest margin3.9890%1,122
Noninterest income to average assets0.1600%3,924
Noninterest expense to average assets1.7449%4,019
Loan and lease loss provision to assets0.0100%2,670
Net operating income to assets1.9370%481
Return on assets (ROA)1.9370%484
Pretax return on assets2.1834%497
Return on Equity (ROE)23.4500%275
Retained earnings to average equity (ytd only)20.7645%115
Net charge-offs to loans0.1766%598
Credit loss provision to net charge-offs16.0000%1,956
Earnings coverage of net charge-offs (x)32.2933%1,359
Efficiency ratio44.2962%4,240
Assets per employee ($millions)5.6787%3,077
Cash dividends to net income (ytd only)*11.4593%2,717
Condition Ratios (%)
Loss allowance to loans1.4391%1,251
Loan loss allowance to noncurrent loans92.8148%3,140
Noncurrent assets plus other real estate owned to assets0.6096%1,115
Noncurrent loans to loans1.5505%551
Net loans and leases to total assets38.7500%4,075
Net loans and leases to deposits42.3709%4,152
Net loans and leases to core deposits42.4241%4,193
Total domestic deposits to total assets91.4500%362
Equity capital to assets8.4075%3,159
Core capital (leverage) ratio11.8343%1,532
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$220,756,0002,865
Average earning assets$209,027,3332,826
Average equity$18,233,0003,064
Average total loans$84,949,6673,376
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9667%4,013
Cost of funding earning assets0.1512%4,466
Net interest margin3.8154%1,544
Noninterest income to average assets0.1700%3,940
Noninterest expense to average assets1.8873%3,858
Loan and lease loss provision to assets0.2300%514
Net operating income to assets1.3272%1,374
Return on assets (ROA)1.1119%1,861
Pretax return on assets1.3981%1,637
Return on Equity (ROE)16.3800%1,044
Retained earnings to average equity (ytd only)10.6182%871
Net charge-offs to loans0.3368%323
Credit loss provision to net charge-offs206.6667%1,200
Earnings coverage of net charge-offs (x)17.0510%1,984
Efficiency ratio49.8674%3,990
Assets per employee ($millions)5.4267%3,312
Cash dividends to net income (ytd only)*35.1648%2,335
Condition Ratios (%)
Loss allowance to loans1.5889%859
Loan loss allowance to noncurrent loans86.4652%3,341
Noncurrent assets plus other real estate owned to assets0.7191%721
Noncurrent loans to loans1.8377%322
Net loans and leases to total assets38.5100%4,085
Net loans and leases to deposits42.0547%4,150
Net loans and leases to core deposits42.1114%4,254
Total domestic deposits to total assets91.5700%375
Equity capital to assets8.3735%3,140
Core capital (leverage) ratio11.6655%1,569
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$229,167,6002,793
Average earning assets$216,908,0002,760
Average equity$15,558,2003,217
Average total loans$75,711,4003,471
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9220%3,970
Cost of funding earning assets0.1333%4,491
Net interest margin3.7887%1,625
Noninterest income to average assets0.1800%3,904
Noninterest expense to average assets1.6413%4,196
Loan and lease loss provision to assets0.1800%621
Net operating income to assets1.6082%933
Return on assets (ROA)1.6082%923
Pretax return on assets1.9387%822
Return on Equity (ROE)25.0100%385
Retained earnings to average equity (ytd only)21.7078%205
Net charge-offs to loans0.2038%436
Credit loss provision to net charge-offs284.0708%919
Earnings coverage of net charge-offs (x)32.8938%1,548
Efficiency ratio43.6135%4,253
Assets per employee ($millions)5.5580%3,134
Cash dividends to net income (ytd only)*13.2055%2,698
Condition Ratios (%)
Loss allowance to loans1.6225%850
Loan loss allowance to noncurrent loans80.0000%3,385
Noncurrent assets plus other real estate owned to assets0.7039%803
Noncurrent loans to loans2.0281%298
Net loans and leases to total assets34.1500%4,241
Net loans and leases to deposits36.6144%4,282
Net loans and leases to core deposits36.6604%4,316
Total domestic deposits to total assets93.2600%266
Equity capital to assets6.7115%3,749
Core capital (leverage) ratio11.4197%1,714
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$233,548,7502,784
Average earning assets$221,036,7502,748
Average equity$15,017,2503,252
Average total loans$73,933,5003,501
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9308%3,818
Cost of funding earning assets0.0969%4,520
Net interest margin3.8339%1,556
Noninterest income to average assets0.1900%3,834
Noninterest expense to average assets1.5011%4,331
Loan and lease loss provision to assets0.2700%345
Net operating income to assets1.7143%762
Return on assets (ROA)1.7143%761
Pretax return on assets2.0549%685
Return on Equity (ROE)27.0300%292
Retained earnings to average equity (ytd only)23.7486%148
Net charge-offs to loans0.2169%373
Credit loss provision to net charge-offs398.7342%737
Earnings coverage of net charge-offs (x)34.8481%1,478
Efficiency ratio39.2810%4,412
Assets per employee ($millions)5.9610%2,743
Cash dividends to net income (ytd only)*12.1436%2,661
Condition Ratios (%)
Loss allowance to loans1.7190%721
Loan loss allowance to noncurrent loans70.8356%3,505
Noncurrent assets plus other real estate owned to assets0.7773%655
Noncurrent loans to loans2.4268%194
Net loans and leases to total assets31.4800%4,297
Net loans and leases to deposits33.7551%4,335
Net loans and leases to core deposits33.8369%4,362
Total domestic deposits to total assets93.2500%219
Equity capital to assets6.7266%3,905
Core capital (leverage) ratio10.0277%2,723
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$237,291,6672,771
Average earning assets$224,991,6672,730
Average equity$15,049,3333,264
Average total loans$72,856,6673,523
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6834%4,052
Cost of funding earning assets0.0792%4,558
Net interest margin3.6043%2,118
Noninterest income to average assets0.1800%3,901
Noninterest expense to average assets1.5603%4,346
Loan and lease loss provision to assets0.2600%353
Net operating income to assets1.5102%1,166
Return on assets (ROA)1.5102%1,147
Pretax return on assets1.7806%1,105
Return on Equity (ROE)24.5300%427
Retained earnings to average equity (ytd only)21.1725%313
Net charge-offs to loans0.2665%286
Credit loss provision to net charge-offs325.0000%661
Earnings coverage of net charge-offs (x)25.4792%1,366
Efficiency ratio43.3272%4,333
Assets per employee ($millions)6.3314%2,472
Cash dividends to net income (ytd only)*13.7017%2,111
Condition Ratios (%)
Loss allowance to loans1.5679%1,075
Loan loss allowance to noncurrent loans81.9346%3,472
Noncurrent assets plus other real estate owned to assets0.5694%907
Noncurrent loans to loans1.9136%307
Net loans and leases to total assets29.2900%4,381
Net loans and leases to deposits31.3173%4,420
Net loans and leases to core deposits31.4232%4,435
Total domestic deposits to total assets93.5200%227
Equity capital to assets6.4246%4,056
Core capital (leverage) ratio10.0704%2,620
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$239,697,5002,795
Average earning assets$227,396,5002,756
Average equity$14,755,0003,327
Average total loans$72,055,0003,569
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0625%4,059
Cost of funding earning assets0.0816%4,470
Net interest margin2.9809%3,498
Noninterest income to average assets0.1800%4,071
Noninterest expense to average assets1.8093%4,018
Loan and lease loss provision to assets0.0600%1,752
Net operating income to assets0.9550%2,744
Return on assets (ROA)0.9550%2,694
Pretax return on assets1.1429%2,629
Return on Equity (ROE)14.7400%1,327
Retained earnings to average equity (ytd only)9.7700%1,225
Net charge-offs to loans0.5991%117
Credit loss provision to net charge-offs38.3085%1,865
Earnings coverage of net charge-offs (x)7.1617%2,311
Efficiency ratio59.9750%3,061
Assets per employee ($millions)5.8118%2,941
Cash dividends to net income (ytd only)*33.7286%2,227
Condition Ratios (%)
Loss allowance to loans1.4780%1,267
Loan loss allowance to noncurrent loans63.4265%3,591
Noncurrent assets plus other real estate owned to assets0.7080%680
Noncurrent loans to loans2.3303%209
Net loans and leases to total assets29.9400%4,390
Net loans and leases to deposits31.8083%4,434
Net loans and leases to core deposits31.9697%4,450
Total domestic deposits to total assets94.1100%226
Equity capital to assets5.8700%4,140
Core capital (leverage) ratio9.8760%2,763
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$238,431,6002,791
Average earning assets$226,843,0002,757
Average equity$15,445,2003,330
Average total loans$67,104,2003,624
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8427%4,138
Cost of funding earning assets0.0800%4,417
Net interest margin2.7627%3,812
Noninterest income to average assets0.1800%4,105
Noninterest expense to average assets1.5910%4,311
Loan and lease loss provision to assets0.0100%2,534
Net operating income to assets1.0675%2,221
Return on assets (ROA)1.0675%2,176
Pretax return on assets1.2087%2,334
Return on Equity (ROE)16.1100%954
Retained earnings to average equity (ytd only)12.9765%618
Net charge-offs to loans0.1893%353
Credit loss provision to net charge-offs19.1489%1,630
Earnings coverage of net charge-offs (x)23.3298%1,655
Efficiency ratio56.6258%3,558
Assets per employee ($millions)6.4790%2,340
Cash dividends to net income (ytd only)*19.4690%2,485
Condition Ratios (%)
Loss allowance to loans1.7672%771
Loan loss allowance to noncurrent loans81.2834%3,520
Noncurrent assets plus other real estate owned to assets0.6241%845
Noncurrent loans to loans2.1741%265
Net loans and leases to total assets28.2000%4,456
Net loans and leases to deposits29.6919%4,502
Net loans and leases to core deposits29.8365%4,513
Total domestic deposits to total assets94.9700%226
Equity capital to assets5.0183%4,292
Core capital (leverage) ratio10.0263%2,521
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$239,922,0002,804
Average earning assets$228,414,7502,769
Average equity$15,895,0003,329
Average total loans$66,221,2503,662
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6269%4,245
Cost of funding earning assets0.0829%4,348
Net interest margin2.5440%4,013
Noninterest income to average assets0.1833%4,087
Noninterest expense to average assets1.6242%4,274
Loan and lease loss provision to assets0.0100%2,409
Net operating income to assets0.9150%2,520
Return on assets (ROA)0.9150%2,488
Pretax return on assets0.9784%2,805
Return on Equity (ROE)12.7798%1,440
Retained earnings to average equity (ytd only)9.8817%1,053
Net charge-offs to loans0.1040%573
Credit loss provision to net charge-offs35.2941%1,549
Earnings coverage of net charge-offs (x)34.8824%1,327
Efficiency ratio62.1691%3,027
Assets per employee ($millions)6.3154%2,470
Cash dividends to net income (ytd only)*22.6776%2,366
Condition Ratios (%)
Loss allowance to loans1.8760%700
Loan loss allowance to noncurrent loans74.6181%3,600
Noncurrent assets plus other real estate owned to assets0.7284%737
Noncurrent loans to loans2.5141%225
Net loans and leases to total assets28.4278%4,510
Net loans and leases to deposits30.1449%4,543
Net loans and leases to core deposits30.3381%4,560
Total domestic deposits to total assets94.3039%231
Equity capital to assets5.6755%4,310
Core capital (leverage) ratio8.8768%3,587
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.2807%312
Memoranda:
Average total assets$239,988,3332,826
Average earning assets$229,168,6672,801
Average equity$17,183,3333,304
Average total loans$65,358,0003,705
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3904%4,388
Cost of funding earning assets0.0789%4,369
Net interest margin2.3115%4,219
Noninterest income to average assets0.1777%4,110
Noninterest expense to average assets1.5678%4,345
Loan and lease loss provision to assets0.0099%2,145
Net operating income to assets0.8028%2,647
Return on assets (ROA)0.8028%2,639
Pretax return on assets0.8160%3,058
Return on Equity (ROE)10.1964%1,886
Retained earnings to average equity (ytd only)7.5846%1,706
Net charge-offs to loans0.0187%1,155
Credit loss provision to net charge-offs200.0000%773
Earnings coverage of net charge-offs (x)167.3333%492
Efficiency ratio65.4983%2,831
Assets per employee ($millions)6.7244%2,203
Cash dividends to net income (ytd only)*25.6148%1,865
Condition Ratios (%)
Loss allowance to loans1.9927%624
Loan loss allowance to noncurrent loans65.5696%3,709
Noncurrent assets plus other real estate owned to assets0.7729%719
Noncurrent loans to loans3.0391%174
Net loans and leases to total assets24.9254%4,596
Net loans and leases to deposits26.7386%4,625
Net loans and leases to core deposits27.5307%4,627
Total domestic deposits to total assets93.2191%220
Equity capital to assets6.7367%4,327
Core capital (leverage) ratio8.6055%3,760
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$243,148,0002,823
Average earning assets$233,098,5002,780
Average equity$19,144,0003,225
Average total loans$64,188,5003,730
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5873%4,419
Cost of funding earning assets0.0782%4,543
Net interest margin2.5090%4,176
Noninterest income to average assets0.2428%3,919
Noninterest expense to average assets1.6260%4,391
Loan and lease loss provision to assets0.0693%1,692
Net operating income to assets0.8741%3,125
Return on assets (ROA)0.8741%3,188
Pretax return on assets0.9475%3,384
Return on Equity (ROE)9.1262%2,867
Retained earnings to average equity (ytd only)5.4498%2,592
Net charge-offs to loans0.0580%1,210
Credit loss provision to net charge-offs419.4444%891
Earnings coverage of net charge-offs (x)61.5278%1,158
Efficiency ratio61.5251%2,933
Assets per employee ($millions)6.4103%2,405
Cash dividends to net income (ytd only)*40.2836%2,022
Condition Ratios (%)
Loss allowance to loans2.0381%572
Loan loss allowance to noncurrent loans64.1509%3,759
Noncurrent assets plus other real estate owned to assets0.8727%671
Noncurrent loans to loans3.1771%177
Net loans and leases to total assets26.9095%4,597
Net loans and leases to deposits29.6446%4,628
Net loans and leases to core deposits30.6470%4,631
Total domestic deposits to total assets90.7735%593
Equity capital to assets9.1320%3,480
Core capital (leverage) ratio8.9903%3,412
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$217,834,0002,928
Average earning assets$208,365,8002,890
Average equity$20,863,0003,140
Average total loans$62,076,4003,783
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5948%4,504
Cost of funding earning assets0.0793%4,636
Net interest margin2.5155%4,247
Noninterest income to average assets0.2647%3,817
Noninterest expense to average assets1.5967%4,469
Loan and lease loss provision to assets0.0112%2,765
Net operating income to assets0.9854%2,969
Return on assets (ROA)0.9854%3,046
Pretax return on assets1.0606%3,298
Return on Equity (ROE)10.1614%2,675
Retained earnings to average equity (ytd only)7.7716%2,127
Net charge-offs to loans0.0453%1,214
Credit loss provision to net charge-offs85.7143%1,687
Earnings coverage of net charge-offs (x)82.1429%971
Efficiency ratio59.8370%2,998
Assets per employee ($millions)6.5979%2,180
Cash dividends to net income (ytd only)*23.5183%2,389
Condition Ratios (%)
Loss allowance to loans1.8899%786
Loan loss allowance to noncurrent loans47.6461%3,979
Noncurrent assets plus other real estate owned to assets1.2941%442
Noncurrent loans to loans3.9665%130
Net loans and leases to total assets27.1686%4,675
Net loans and leases to deposits30.0568%4,699
Net loans and leases to core deposits30.2883%4,722
Total domestic deposits to total assets90.3909%606
Equity capital to assets9.4905%3,380
Core capital (leverage) ratio9.4525%3,061
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$214,600,0002,984
Average earning assets$205,072,0002,938
Average equity$20,810,2503,179
Average total loans$61,747,7503,841
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5786%4,563
Cost of funding earning assets0.0812%4,694
Net interest margin2.4973%4,309
Noninterest income to average assets0.3028%3,620
Noninterest expense to average assets1.6626%4,420
Loan and lease loss provision to assets0.0114%2,711
Net operating income to assets0.9690%3,008
Return on assets (ROA)0.9690%3,087
Pretax return on assets1.0144%3,411
Return on Equity (ROE)9.9175%2,770
Retained earnings to average equity (ytd only)7.5059%2,249
Net charge-offs to loans0.0844%837
Credit loss provision to net charge-offs46.1538%1,623
Earnings coverage of net charge-offs (x)41.6923%1,145
Efficiency ratio61.8444%2,750
Assets per employee ($millions)6.3039%2,324
Cash dividends to net income (ytd only)*24.3164%2,335
Condition Ratios (%)
Loss allowance to loans1.8750%770
Loan loss allowance to noncurrent loans56.9819%3,867
Noncurrent assets plus other real estate owned to assets1.1240%635
Noncurrent loans to loans3.2906%201
Net loans and leases to total assets27.5853%4,712
Net loans and leases to deposits30.5714%4,745
Net loans and leases to core deposits30.8111%4,762
Total domestic deposits to total assets90.2323%678
Equity capital to assets9.5365%3,300
Core capital (leverage) ratio9.3331%3,090
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$211,357,0003,003
Average earning assets$201,895,6672,966
Average equity$20,650,3333,193
Average total loans$61,623,3333,869
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6262%4,549
Cost of funding earning assets0.0811%4,741
Net interest margin2.5451%4,237
Noninterest income to average assets0.3541%3,316
Noninterest expense to average assets1.6467%4,470
Loan and lease loss provision to assets0.0116%2,628
Net operating income to assets1.0720%2,567
Return on assets (ROA)1.0720%2,647
Pretax return on assets1.1262%3,047
Return on Equity (ROE)10.8335%2,412
Retained earnings to average equity (ytd only)8.4087%2,122
Net charge-offs to loans0.0716%840
Credit loss provision to net charge-offs54.5455%1,298
Earnings coverage of net charge-offs (x)53.4545%870
Efficiency ratio59.1383%3,137
Assets per employee ($millions)6.6642%2,038
Cash dividends to net income (ytd only)*22.3827%1,933
Condition Ratios (%)
Loss allowance to loans1.8462%800
Loan loss allowance to noncurrent loans55.8627%3,903
Noncurrent assets plus other real estate owned to assets1.1536%657
Noncurrent loans to loans3.3049%222
Net loans and leases to total assets28.3332%4,741
Net loans and leases to deposits31.2621%4,778
Net loans and leases to core deposits31.4656%4,791
Total domestic deposits to total assets90.6311%530
Equity capital to assets9.0933%3,602
Core capital (leverage) ratio9.6257%2,907
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$206,717,5003,031
Average earning assets$197,398,5002,993
Average equity$20,455,0003,203
Average total loans$61,422,0003,892
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0017%4,632
Cost of funding earning assets0.0888%4,889
Net interest margin2.9130%4,089
Noninterest income to average assets0.1864%4,358
Noninterest expense to average assets1.8073%4,464
Loan and lease loss provision to assets0.0891%3,248
Net operating income to assets0.9485%2,487
Return on assets (ROA)0.9485%2,636
Pretax return on assets1.0632%2,833
Return on Equity (ROE)9.1959%2,317
Retained earnings to average equity (ytd only)5.3577%2,116
Net charge-offs to loans0.2067%842
Credit loss provision to net charge-offs141.4634%2,474
Earnings coverage of net charge-offs (x)18.2927%2,031
Efficiency ratio61.0659%3,301
Assets per employee ($millions)5.6916%2,634
Cash dividends to net income (ytd only)*41.7387%2,285
Condition Ratios (%)
Loss allowance to loans1.9827%612
Loan loss allowance to noncurrent loans56.4779%3,929
Noncurrent assets plus other real estate owned to assets1.3038%617
Noncurrent loans to loans3.5107%196
Net loans and leases to total assets30.0673%4,750
Net loans and leases to deposits33.8055%4,789
Net loans and leases to core deposits34.0606%4,803
Total domestic deposits to total assets88.9420%1,011
Equity capital to assets10.8063%2,425
Core capital (leverage) ratio9.8305%2,756
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$195,258,6002,978
Average earning assets$185,894,0002,943
Average equity$20,139,4003,178
Average total loans$59,504,0003,930
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9587%4,760
Cost of funding earning assets0.0902%4,942
Net interest margin2.8685%4,234
Noninterest income to average assets0.2235%4,155
Noninterest expense to average assets1.6794%4,652
Loan and lease loss provision to assets0.0123%4,156
Net operating income to assets1.0922%2,007
Return on assets (ROA)1.0922%2,138
Pretax return on assets1.2625%2,183
Return on Equity (ROE)10.7152%1,777
Retained earnings to average equity (ytd only)8.1952%1,241
Net charge-offs to loans0.2329%656
Credit loss provision to net charge-offs17.3077%2,982
Earnings coverage of net charge-offs (x)17.9904%1,980
Efficiency ratio56.8496%3,812
Assets per employee ($millions)5.7620%2,487
Cash dividends to net income (ytd only)*23.5184%2,636
Condition Ratios (%)
Loss allowance to loans1.6409%1,000
Loan loss allowance to noncurrent loans48.4848%4,054
Noncurrent assets plus other real estate owned to assets1.2813%751
Noncurrent loans to loans3.3843%246
Net loans and leases to total assets30.9119%4,801
Net loans and leases to deposits34.5740%4,846
Net loans and leases to core deposits34.6726%4,862
Total domestic deposits to total assets89.4079%613
Equity capital to assets10.2683%2,993
Core capital (leverage) ratio9.8888%2,830
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$195,694,2502,958
Average earning assets$186,294,0002,922
Average equity$19,946,2503,191
Average total loans$59,539,5003,946
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4198%4,520
Cost of funding earning assets0.0932%4,981
Net interest margin3.3266%3,319
Noninterest income to average assets0.2272%4,125
Noninterest expense to average assets1.6469%4,736
Loan and lease loss provision to assets0.0124%4,065
Net operating income to assets1.5839%786
Return on assets (ROA)1.5839%858
Pretax return on assets1.7367%917
Return on Equity (ROE)15.4934%638
Retained earnings to average equity (ytd only)12.9482%360
Net charge-offs to loans0.1133%1,170
Credit loss provision to net charge-offs36.3636%2,683
Earnings coverage of net charge-offs (x)51.3333%1,084
Efficiency ratio48.4950%4,591
Assets per employee ($millions)5.7926%2,380
Cash dividends to net income (ytd only)*16.4276%2,881
Condition Ratios (%)
Loss allowance to loans1.7375%754
Loan loss allowance to noncurrent loans95.0947%3,288
Noncurrent assets plus other real estate owned to assets0.7677%1,611
Noncurrent loans to loans1.8271%762
Net loans and leases to total assets29.9676%4,857
Net loans and leases to deposits33.3524%4,897
Net loans and leases to core deposits33.3991%4,913
Total domestic deposits to total assets89.8514%443
Equity capital to assets9.9519%3,252
Core capital (leverage) ratio10.1585%2,683
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$193,702,3332,957
Average earning assets$184,513,6672,919
Average equity$19,802,0003,196
Average total loans$58,259,3333,974
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4769%4,652
Cost of funding earning assets0.1017%5,039
Net interest margin3.3751%3,378
Noninterest income to average assets0.2534%4,033
Noninterest expense to average assets1.7607%4,712
Loan and lease loss provision to assets0.0129%3,618
Net operating income to assets1.4859%809
Return on assets (ROA)1.4859%883
Pretax return on assets1.6856%875
Return on Equity (ROE)14.3223%642
Retained earnings to average equity (ytd only)11.7145%456
Net charge-offs to loans0.0144%2,090
Credit loss provision to net charge-offs300.0000%1,171
Earnings coverage of net charge-offs (x)395.5000%175
Efficiency ratio50.9001%4,615
Assets per employee ($millions)5.2881%2,337
Cash dividends to net income (ytd only)*18.2081%2,372
Condition Ratios (%)
Loss allowance to loans2.0222%481
Loan loss allowance to noncurrent loans87.9377%3,418
Noncurrent assets plus other real estate owned to assets0.9056%1,478
Noncurrent loans to loans2.2996%550
Net loans and leases to total assets28.7593%4,923
Net loans and leases to deposits32.0569%4,952
Net loans and leases to core deposits32.1729%4,960
Total domestic deposits to total assets89.7132%411
Equity capital to assets10.1308%3,668
Core capital (leverage) ratio10.5222%2,926
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$186,287,5002,995
Average earning assets$176,940,5002,944
Average equity$19,326,5003,235
Average total loans$55,590,5004,042
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5346%4,832
Cost of funding earning assets0.1084%5,094
Net interest margin3.4262%3,662
Noninterest income to average assets0.1125%4,891
Noninterest expense to average assets2.1404%4,288
Loan and lease loss provision to assets0.1217%1,739
Net operating income to assets0.9814%2,911
Return on assets (ROA)0.9814%2,990
Pretax return on assets1.0966%3,177
Return on Equity (ROE)9.6863%2,440
Retained earnings to average equity (ytd only)5.6531%2,059
Net charge-offs to loans0.4850%389
Credit loss provision to net charge-offs87.1595%2,691
Earnings coverage of net charge-offs (x)8.7237%2,738
Efficiency ratio63.7276%3,111
Assets per employee ($millions)5.2059%2,341
Cash dividends to net income (ytd only)*41.6390%2,513
Condition Ratios (%)
Loss allowance to loans2.0379%435
Loan loss allowance to noncurrent loans138.6224%2,722
Noncurrent assets plus other real estate owned to assets0.6871%1,882
Noncurrent loans to loans1.4701%988
Net loans and leases to total assets29.7330%4,970
Net loans and leases to deposits33.3257%5,003
Net loans and leases to core deposits33.4525%5,019
Total domestic deposits to total assets89.2193%585
Equity capital to assets10.6292%3,328
Core capital (leverage) ratio10.3041%3,188
Tier 1 risk-based capital ratio29.6947%487
Total risk-based capital ratio30.9502%478
Memoranda:
Average total assets$184,029,0002,970
Average earning assets$174,361,2002,937
Average equity$18,644,8003,265
Average total loans$52,990,8004,124
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5573%4,921
Cost of funding earning assets0.1084%5,171
Net interest margin3.4489%3,736
Noninterest income to average assets0.1930%4,565
Noninterest expense to average assets1.8697%4,733
Loan and lease loss provision to assets0.0130%3,643
Net operating income to assets1.3544%1,631
Return on assets (ROA)1.3544%1,696
Pretax return on assets1.5755%1,715
Return on Equity (ROE)13.5321%1,106
Retained earnings to average equity (ytd only)10.9326%541
Net charge-offs to loans0.5724%289
Credit loss provision to net charge-offs8.0000%3,013
Earnings coverage of net charge-offs (x)9.7690%2,547
Efficiency ratio54.0648%4,385
Assets per employee ($millions)5.1972%2,341
Cash dividends to net income (ytd only)*19.2104%3,067
Condition Ratios (%)
Loss allowance to loans1.7437%749
Loan loss allowance to noncurrent loans153.0547%2,566
Noncurrent assets plus other real estate owned to assets0.6473%2,071
Noncurrent loans to loans1.1393%1,392
Net loans and leases to total assets28.6716%5,074
Net loans and leases to deposits32.0922%5,107
Net loans and leases to core deposits32.2107%5,118
Total domestic deposits to total assets89.3414%507
Equity capital to assets10.4961%3,542
Core capital (leverage) ratio10.0937%3,539
Tier 1 risk-based capital ratio29.8741%490
Total risk-based capital ratio31.1264%479
Memoranda:
Average total assets$184,485,0003,000
Average earning assets$174,662,0002,963
Average equity$18,464,2503,306
Average total loans$52,413,0004,178
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4835%5,020
Cost of funding earning assets0.1048%5,222
Net interest margin3.3787%3,959
Noninterest income to average assets0.2178%4,442
Noninterest expense to average assets1.9018%4,743
Loan and lease loss provision to assets0.0131%3,509
Net operating income to assets1.3202%1,694
Return on assets (ROA)1.3202%1,756
Pretax return on assets1.4977%1,867
Return on Equity (ROE)13.4123%1,121
Retained earnings to average equity (ytd only)10.7564%589
Net charge-offs to loans0.4876%322
Credit loss provision to net charge-offs9.5238%2,695
Earnings coverage of net charge-offs (x)11.0079%2,228
Efficiency ratio55.7293%4,279
Assets per employee ($millions)5.6659%1,812
Cash dividends to net income (ytd only)*19.8020%3,029
Condition Ratios (%)
Loss allowance to loans1.9599%508
Loan loss allowance to noncurrent loans119.2922%3,028
Noncurrent assets plus other real estate owned to assets0.7388%1,878
Noncurrent loans to loans1.6430%936
Net loans and leases to total assets26.3596%5,149
Net loans and leases to deposits29.1766%5,175
Net loans and leases to core deposits29.2769%5,185
Total domestic deposits to total assets90.3453%230
Equity capital to assets9.5982%4,315
Core capital (leverage) ratio10.2959%3,293
Tier 1 risk-based capital ratio29.5497%492
Total risk-based capital ratio30.8033%487
Memoranda:
Average total assets$183,614,0003,015
Average earning assets$173,616,0002,989
Average equity$18,073,0003,345
Average total loans$51,685,3304,232
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5882%4,975
Cost of funding earning assets0.1060%5,271
Net interest margin3.4822%3,646
Noninterest income to average assets0.2315%4,357
Noninterest expense to average assets1.7700%4,951
Loan and lease loss provision to assets0.0136%3,260
Net operating income to assets1.5726%952
Return on assets (ROA)1.5726%979
Pretax return on assets1.7269%1,150
Return on Equity (ROE)15.7567%625
Retained earnings to average equity (ytd only)13.0283%460
Net charge-offs to loans0.1180%1,032
Credit loss provision to net charge-offs40.0000%2,031
Earnings coverage of net charge-offs (x)51.1333%1,010
Efficiency ratio50.4202%4,796
Assets per employee ($millions)5.3757%2,098
Cash dividends to net income (ytd only)*17.3160%2,527
Condition Ratios (%)
Loss allowance to loans2.2397%337
Loan loss allowance to noncurrent loans142.3267%2,763
Noncurrent assets plus other real estate owned to assets0.7643%1,841
Noncurrent loans to loans1.5736%1,011
Net loans and leases to total assets27.4636%5,185
Net loans and leases to deposits30.5102%5,214
Net loans and leases to core deposits30.6245%5,232
Total domestic deposits to total assets90.0144%442
Equity capital to assets9.9364%3,884
Core capital (leverage) ratio10.3667%3,202
Tier 1 risk-based capital ratio29.3136%499
Total risk-based capital ratio30.5704%492
Memoranda:
Average total assets$176,267,5003,128
Average earning assets$165,986,5003,105
Average equity$17,592,5003,400
Average total loans$50,869,0004,283
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4907%4,927
Cost of funding earning assets0.1082%5,269
Net interest margin3.3825%4,043
Noninterest income to average assets0.1156%5,093
Noninterest expense to average assets2.1413%4,467
Loan and lease loss provision to assets0.1217%1,810
Net operating income to assets0.9812%3,096
Return on assets (ROA)0.9812%3,092
Pretax return on assets1.0317%3,507
Return on Equity (ROE)9.7126%2,635
Retained earnings to average equity (ytd only)5.1997%2,663
Net charge-offs to loans0.1523%1,256
Credit loss provision to net charge-offs266.6667%1,122
Earnings coverage of net charge-offs (x)25.2667%1,780
Efficiency ratio64.9917%3,026
Assets per employee ($millions)4.9930%2,515
Cash dividends to net income (ytd only)*46.4640%2,163
Condition Ratios (%)
Loss allowance to loans2.3000%285
Loan loss allowance to noncurrent loans135.3972%2,899
Noncurrent assets plus other real estate owned to assets0.8512%1,644
Noncurrent loans to loans1.6987%851
Net loans and leases to total assets29.0012%5,218
Net loans and leases to deposits32.2531%5,240
Net loans and leases to core deposits32.3833%5,255
Total domestic deposits to total assets89.9176%502
Equity capital to assets10.0282%3,660
Core capital (leverage) ratio10.5935%2,938
Tier 1 risk-based capital ratio28.7813%522
Total risk-based capital ratio30.0389%515
Memoranda:
Average total assets$164,295,0003,225
Average earning assets$154,410,4003,188
Average equity$16,597,0003,449
Average total loans$49,254,6004,333
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4475%4,982
Cost of funding earning assets0.1088%5,333
Net interest margin3.3387%4,189
Noninterest income to average assets0.1833%4,872
Noninterest expense to average assets1.9755%4,782
Loan and lease loss provision to assets0.0147%3,716
Net operating income to assets1.1768%2,331
Return on assets (ROA)1.1768%2,336
Pretax return on assets1.3314%2,497
Return on Equity (ROE)11.6268%1,946
Retained earnings to average equity (ytd only)8.7241%1,331
Net charge-offs to loans0.2151%791
Credit loss provision to net charge-offs22.7848%3,001
Earnings coverage of net charge-offs (x)20.8229%1,942
Efficiency ratio59.4728%3,890
Assets per employee ($millions)4.7935%2,727
Cash dividends to net income (ytd only)*24.9649%2,795
Condition Ratios (%)
Loss allowance to loans1.9354%553
Loan loss allowance to noncurrent loans100.7246%3,444
Noncurrent assets plus other real estate owned to assets1.0163%1,427
Noncurrent loans to loans1.9214%783
Net loans and leases to total assets29.3865%5,288
Net loans and leases to deposits32.6298%5,322
Net loans and leases to core deposits32.7627%5,330
Total domestic deposits to total assets90.0603%493
Equity capital to assets9.8497%3,782
Core capital (leverage) ratio10.9107%2,667
Tier 1 risk-based capital ratio28.7740%528
Total risk-based capital ratio30.0276%521
Memoranda:
Average total assets$162,928,2503,271
Average earning assets$153,151,7503,240
Average equity$16,490,2503,487
Average total loans$48,970,2504,380
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3963%5,046
Cost of funding earning assets0.1122%5,371
Net interest margin3.2841%4,292
Noninterest income to average assets0.2232%4,689
Noninterest expense to average assets2.0370%4,727
Loan and lease loss provision to assets0.0149%3,578
Net operating income to assets1.1419%2,426
Return on assets (ROA)1.1419%2,435
Pretax return on assets1.2572%2,692
Return on Equity (ROE)11.1781%2,043
Retained earnings to average equity (ytd only)8.2774%1,500
Net charge-offs to loans0.1896%825
Credit loss provision to net charge-offs26.0870%2,649
Earnings coverage of net charge-offs (x)22.3043%1,746
Efficiency ratio61.5586%3,684
Assets per employee ($millions)4.8457%2,622
Cash dividends to net income (ytd only)*25.9501%2,759
Condition Ratios (%)
Loss allowance to loans2.0254%497
Loan loss allowance to noncurrent loans94.4287%3,573
Noncurrent assets plus other real estate owned to assets1.1217%1,312
Noncurrent loans to loans2.1449%659
Net loans and leases to total assets29.3601%5,342
Net loans and leases to deposits32.6756%5,368
Net loans and leases to core deposits32.8115%5,379
Total domestic deposits to total assets89.8534%621
Equity capital to assets10.0817%3,552
Core capital (leverage) ratio10.3523%3,181
Tier 1 risk-based capital ratio28.9514%521
Total risk-based capital ratio30.2065%513
Memoranda:
Average total assets$161,314,0003,308
Average earning assets$151,577,0003,272
Average equity$16,478,6703,508
Average total loans$48,535,3304,429
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3389%5,082
Cost of funding earning assets0.1094%5,435
Net interest margin3.2295%4,373
Noninterest income to average assets0.2231%4,679
Noninterest expense to average assets1.9900%4,869
Loan and lease loss provision to assets0.0150%3,336
Net operating income to assets1.1805%2,090
Return on assets (ROA)1.1805%2,102
Pretax return on assets1.2507%2,547
Return on Equity (ROE)11.4787%1,778
Retained earnings to average equity (ytd only)8.5542%1,638
Net charge-offs to loans0.0748%1,376
Credit loss provision to net charge-offs66.6667%1,852
Earnings coverage of net charge-offs (x)56.1111%879
Efficiency ratio61.1239%3,929
Assets per employee ($millions)5.3298%2,114
Cash dividends to net income (ytd only)*25.4777%2,270
Condition Ratios (%)
Loss allowance to loans2.1493%426
Loan loss allowance to noncurrent loans98.8495%3,476
Noncurrent assets plus other real estate owned to assets1.0741%1,452
Noncurrent loans to loans2.1743%699
Net loans and leases to total assets27.5215%5,418
Net loans and leases to deposits30.4407%5,441
Net loans and leases to core deposits30.5622%5,454
Total domestic deposits to total assets90.4101%498
Equity capital to assets9.4944%4,095
Core capital (leverage) ratio10.7332%2,704
Tier 1 risk-based capital ratio29.1563%508
Total risk-based capital ratio30.4115%505
Memoranda:
Average total assets$159,594,0003,362
Average earning assets$149,870,0003,330
Average equity$16,413,0003,542
Average total loans$48,117,0004,483
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3067%5,074
Cost of funding earning assets0.1115%5,448
Net interest margin3.1952%4,457
Noninterest income to average assets0.2499%4,637
Noninterest expense to average assets2.1283%4,697
Loan and lease loss provision to assets0.0658%2,891
Net operating income to assets0.9545%2,426
Return on assets (ROA)0.9545%2,461
Pretax return on assets1.0661%3,315
Return on Equity (ROE)8.6179%2,487
Retained earnings to average equity (ytd only)4.1229%2,696
Net charge-offs to loans0.1625%1,503
Credit loss provision to net charge-offs132.0000%2,000
Earnings coverage of net charge-offs (x)22.7067%1,844
Efficiency ratio65.2803%3,388
Assets per employee ($millions)4.3716%3,373
Cash dividends to net income (ytd only)*52.1588%2,172
Condition Ratios (%)
Loss allowance to loans2.1424%411
Loan loss allowance to noncurrent loans110.1171%3,354
Noncurrent assets plus other real estate owned to assets1.1834%1,254
Noncurrent loans to loans1.9455%795
Net loans and leases to total assets31.7760%5,397
Net loans and leases to deposits35.8188%5,433
Net loans and leases to core deposits35.9859%5,459
Total domestic deposits to total assets88.7132%1,139
Equity capital to assets11.1906%2,436
Core capital (leverage) ratio10.9034%2,426
Tier 1 risk-based capital ratio29.0234%496
Total risk-based capital ratio30.2794%488
Memoranda:
Average total assets$150,451,8003,467
Average earning assets$141,743,4003,426
Average equity$16,663,0003,516
Average total loans$46,166,4004,561
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2229%5,208
Cost of funding earning assets0.1105%5,520
Net interest margin3.1125%4,679
Noninterest income to average assets0.2350%4,805
Noninterest expense to average assets2.0268%4,895
Loan and lease loss provision to assets0.0159%3,825
Net operating income to assets1.0055%2,531
Return on assets (ROA)1.0055%2,572
Pretax return on assets1.1292%3,188
Return on Equity (ROE)9.1017%2,553
Retained earnings to average equity (ytd only)6.2384%2,092
Net charge-offs to loans0.2220%979
Credit loss provision to net charge-offs23.6842%3,134
Earnings coverage of net charge-offs (x)17.0528%2,130
Efficiency ratio63.8997%3,565
Assets per employee ($millions)4.7772%2,728
Cash dividends to net income (ytd only)*31.4585%2,684
Condition Ratios (%)
Loss allowance to loans1.9878%582
Loan loss allowance to noncurrent loans89.7267%3,721
Noncurrent assets plus other real estate owned to assets1.1735%1,403
Noncurrent loans to loans2.2154%738
Net loans and leases to total assets29.7760%5,504
Net loans and leases to deposits33.4874%5,538
Net loans and leases to core deposits33.6343%5,557
Total domestic deposits to total assets88.9170%929
Equity capital to assets10.9396%2,924
Core capital (leverage) ratio10.9899%2,469
Tier 1 risk-based capital ratio28.9190%522
Total risk-based capital ratio30.1743%512
Memoranda:
Average total assets$150,906,2503,489
Average earning assets$142,392,0003,446
Average equity$16,670,5003,549
Average total loans$45,642,0004,620
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1793%5,265
Cost of funding earning assets0.1113%5,554
Net interest margin3.0680%4,749
Noninterest income to average assets0.2395%4,808
Noninterest expense to average assets2.1297%4,719
Loan and lease loss provision to assets0.0161%3,633
Net operating income to assets0.8974%2,927
Return on assets (ROA)0.8974%2,984
Pretax return on assets0.9861%3,616
Return on Equity (ROE)8.0953%2,969
Retained earnings to average equity (ytd only)5.1946%2,584
Net charge-offs to loans0.3430%587
Credit loss provision to net charge-offs15.5844%2,818
Earnings coverage of net charge-offs (x)9.6753%2,409
Efficiency ratio67.9983%3,016
Assets per employee ($millions)4.6351%2,882
Cash dividends to net income (ytd only)*35.8321%2,534
Condition Ratios (%)
Loss allowance to loans2.0788%529
Loan loss allowance to noncurrent loans82.3171%3,902
Noncurrent assets plus other real estate owned to assets1.2664%1,318
Noncurrent loans to loans2.5253%589
Net loans and leases to total assets29.1028%5,565
Net loans and leases to deposits32.7955%5,595
Net loans and leases to core deposits32.9438%5,615
Total domestic deposits to total assets88.7400%1,086
Equity capital to assets11.0913%2,712
Core capital (leverage) ratio10.9984%2,404
Tier 1 risk-based capital ratio29.5631%487
Total risk-based capital ratio30.8181%478
Memoranda:
Average total assets$148,659,3303,539
Average earning assets$140,154,6703,493
Average equity$16,478,6703,581
Average total loans$44,891,6704,663
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1690%5,283
Cost of funding earning assets0.1102%5,612
Net interest margin3.0588%4,769
Noninterest income to average assets0.2539%4,722
Noninterest expense to average assets2.0531%4,935
Loan and lease loss provision to assets0.0164%3,360
Net operating income to assets1.0266%2,185
Return on assets (ROA)1.0266%2,240
Pretax return on assets1.0648%3,114
Return on Equity (ROE)9.2637%2,288
Retained earnings to average equity (ytd only)6.3072%2,183
Net charge-offs to loans0.2152%822
Credit loss provision to net charge-offs25.0000%2,145
Earnings coverage of net charge-offs (x)16.5000%1,640
Efficiency ratio65.5052%3,574
Assets per employee ($millions)4.7378%2,783
Cash dividends to net income (ytd only)*31.9149%2,272
Condition Ratios (%)
Loss allowance to loans2.2330%452
Loan loss allowance to noncurrent loans117.3964%3,319
Noncurrent assets plus other real estate owned to assets1.0778%1,660
Noncurrent loans to loans1.9021%951
Net loans and leases to total assets28.6476%5,614
Net loans and leases to deposits32.1561%5,652
Net loans and leases to core deposits32.2399%5,662
Total domestic deposits to total assets89.0890%1,105
Equity capital to assets10.8306%2,821
Core capital (leverage) ratio11.0903%2,277
Tier 1 risk-based capital ratio29.9494%481
Total risk-based capital ratio31.2062%482
Memoranda:
Average total assets$146,510,0003,596
Average earning assets$137,963,0003,554
Average equity$16,235,5003,633
Average total loans$44,607,5004,712
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2367%5,250
Cost of funding earning assets0.1097%5,658
Net interest margin3.1270%4,652
Noninterest income to average assets0.1703%5,371
Noninterest expense to average assets2.0715%5,047
Loan and lease loss provision to assets-0.0606%5,614
Net operating income to assets0.9937%2,375
Return on assets (ROA)0.9937%2,483
Pretax return on assets1.1034%3,091
Return on Equity (ROE)8.5051%2,671
Retained earnings to average equity (ytd only)3.9385%3,120
Net charge-offs to loans0.1222%2,038
Credit loss provision to net charge-offs-160.3774%4,962
Earnings coverage of net charge-offs (x)27.6226%1,507
Efficiency ratio66.5142%3,507
Assets per employee ($millions)4.4191%3,239
Cash dividends to net income (ytd only)*53.6918%2,096
Condition Ratios (%)
Loss allowance to loans2.2549%435
Loan loss allowance to noncurrent loans153.2625%2,774
Noncurrent assets plus other real estate owned to assets1.0240%1,851
Noncurrent loans to loans1.4713%1,374
Net loans and leases to total assets30.9599%5,623
Net loans and leases to deposits34.9493%5,662
Net loans and leases to core deposits35.1181%5,694
Total domestic deposits to total assets88.5851%1,330
Equity capital to assets11.3505%2,293
Core capital (leverage) ratio11.3076%2,076
Tier 1 risk-based capital ratio30.3674%468
Total risk-based capital ratio31.6258%465
Memoranda:
Average total assets$140,379,6003,669
Average earning assets$132,171,4003,616
Average equity$16,402,0003,637
Average total loans$43,370,8004,771
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2398%5,302
Cost of funding earning assets0.1091%5,724
Net interest margin3.1306%4,697
Noninterest income to average assets0.2645%4,881
Noninterest expense to average assets1.9954%5,213
Loan and lease loss provision to assets0.0171%3,903
Net operating income to assets1.0914%2,033
Return on assets (ROA)1.0914%2,138
Pretax return on assets1.1999%2,832
Return on Equity (ROE)9.2742%2,370
Retained earnings to average equity (ytd only)6.3795%1,969
Net charge-offs to loans0.1240%1,719
Credit loss provision to net charge-offs45.0000%3,096
Earnings coverage of net charge-offs (x)31.9762%1,425
Efficiency ratio62.1149%4,210
Assets per employee ($millions)5.0554%2,304
Cash dividends to net income (ytd only)*31.2117%2,776
Condition Ratios (%)
Loss allowance to loans2.5495%319
Loan loss allowance to noncurrent loans156.8245%2,702
Noncurrent assets plus other real estate owned to assets1.1166%1,816
Noncurrent loans to loans1.6257%1,320
Net loans and leases to total assets29.3569%5,725
Net loans and leases to deposits33.2851%5,769
Net loans and leases to core deposits33.4408%5,787
Total domestic deposits to total assets88.1983%1,298
Equity capital to assets11.5336%2,487
Core capital (leverage) ratio11.5197%2,013
Tier 1 risk-based capital ratio30.5202%463
Total risk-based capital ratio31.7804%459
Memoranda:
Average total assets$140,121,5003,693
Average earning assets$131,940,0003,639
Average equity$16,489,7503,660
Average total loans$43,015,7504,827
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2688%5,344
Cost of funding earning assets0.1094%5,813
Net interest margin3.1594%4,672
Noninterest income to average assets0.2522%4,965
Noninterest expense to average assets2.0731%5,115
Loan and lease loss provision to assets0.0174%3,772
Net operating income to assets1.0510%2,164
Return on assets (ROA)1.0510%2,291
Pretax return on assets1.1351%3,060
Return on Equity (ROE)8.8685%2,549
Retained earnings to average equity (ytd only)5.9450%2,145
Net charge-offs to loans0.0985%1,855
Credit loss provision to net charge-offs57.1429%2,603
Earnings coverage of net charge-offs (x)37.8571%1,194
Efficiency ratio64.2697%3,971
Assets per employee ($millions)4.5504%2,938
Cash dividends to net income (ytd only)*32.9655%2,722
Condition Ratios (%)
Loss allowance to loans2.6160%315
Loan loss allowance to noncurrent loans185.2033%2,440
Noncurrent assets plus other real estate owned to assets1.0775%1,970
Noncurrent loans to loans1.4125%1,573
Net loans and leases to total assets30.0579%5,778
Net loans and leases to deposits34.2776%5,818
Net loans and leases to core deposits34.4452%5,837
Total domestic deposits to total assets87.6897%1,580
Equity capital to assets11.9480%2,165
Core capital (leverage) ratio11.2999%2,151
Tier 1 risk-based capital ratio30.9133%461
Total risk-based capital ratio32.1760%452
Memoranda:
Average total assets$137,960,0003,751
Average earning assets$129,833,0003,695
Average equity$16,350,0003,688
Average total loans$42,632,6704,874
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2846%5,347
Cost of funding earning assets0.1092%5,871
Net interest margin3.1754%4,655
Noninterest income to average assets0.2551%4,915
Noninterest expense to average assets1.9852%5,372
Loan and lease loss provision to assets0.0176%3,458
Net operating income to assets1.1290%1,795
Return on assets (ROA)1.1290%1,903
Pretax return on assets1.2375%2,545
Return on Equity (ROE)9.5664%2,174
Retained earnings to average equity (ytd only)6.5847%2,091
Net charge-offs to loans0.1233%1,370
Credit loss provision to net charge-offs46.1538%2,084
Earnings coverage of net charge-offs (x)32.9231%1,131
Efficiency ratio61.2670%4,559
Assets per employee ($millions)4.4213%3,217
Cash dividends to net income (ytd only)*31.1688%2,337
Condition Ratios (%)
Loss allowance to loans2.7149%306
Loan loss allowance to noncurrent loans161.6147%2,622
Noncurrent assets plus other real estate owned to assets1.1372%1,943
Noncurrent loans to loans1.6798%1,349
Net loans and leases to total assets28.8991%5,851
Net loans and leases to deposits32.7140%5,890
Net loans and leases to core deposits32.8721%5,908
Total domestic deposits to total assets88.3384%1,443
Equity capital to assets11.4757%2,462
Core capital (leverage) ratio11.3884%2,062
Tier 1 risk-based capital ratio31.0043%462
Total risk-based capital ratio32.2667%459
Memoranda:
Average total assets$136,409,5003,800
Average earning assets$128,236,5003,748
Average equity$16,098,0003,715
Average total loans$42,179,5004,929
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3843%5,196
Cost of funding earning assets0.1172%5,893
Net interest margin3.2670%4,415
Noninterest income to average assets0.2783%4,892
Noninterest expense to average assets2.1924%5,060
Loan and lease loss provision to assets0.0705%2,869
Net operating income to assets1.0261%2,227
Return on assets (ROA)1.0261%2,307
Pretax return on assets1.0883%3,117
Return on Equity (ROE)8.7064%2,625
Retained earnings to average equity (ytd only)3.9586%3,217
Net charge-offs to loans0.1363%1,995
Credit loss provision to net charge-offs162.0690%1,662
Earnings coverage of net charge-offs (x)26.6379%1,577
Efficiency ratio65.4208%4,001
Assets per employee ($millions)4.1043%3,753
Cash dividends to net income (ytd only)*54.5322%2,042
Condition Ratios (%)
Loss allowance to loans2.7120%310
Loan loss allowance to noncurrent loans201.0508%2,249
Noncurrent assets plus other real estate owned to assets1.1017%1,991
Noncurrent loans to loans1.3489%1,740
Net loans and leases to total assets31.3567%5,851
Net loans and leases to deposits35.7715%5,898
Net loans and leases to core deposits35.9592%5,922
Total domestic deposits to total assets87.6585%1,813
Equity capital to assets12.1519%1,846
Core capital (leverage) ratio11.4321%2,012
Tier 1 risk-based capital ratio30.1940%495
Total risk-based capital ratio31.4571%492
Memoranda:
Average total assets$133,321,2003,824
Average earning assets$125,404,4003,784
Average equity$15,712,6003,727
Average total loans$42,546,8004,918
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3562%5,303
Cost of funding earning assets0.1196%5,982
Net interest margin3.2366%4,561
Noninterest income to average assets0.2889%4,878
Noninterest expense to average assets2.0924%5,286
Loan and lease loss provision to assets0.0179%3,920
Net operating income to assets1.1707%1,749
Return on assets (ROA)1.1707%1,821
Pretax return on assets1.2255%2,709
Return on Equity (ROE)10.0099%2,099
Retained earnings to average equity (ytd only)6.9771%1,698
Net charge-offs to loans0.1252%1,877
Credit loss provision to net charge-offs45.0000%3,100
Earnings coverage of net charge-offs (x)31.2012%1,459
Efficiency ratio62.7240%4,454
Assets per employee ($millions)4.5497%2,923
Cash dividends to net income (ytd only)*30.2975%2,801
Condition Ratios (%)
Loss allowance to loans2.5455%409
Loan loss allowance to noncurrent loans180.1653%2,457
Noncurrent assets plus other real estate owned to assets1.0515%2,252
Noncurrent loans to loans1.4129%1,798
Net loans and leases to total assets29.5879%5,987
Net loans and leases to deposits33.4482%6,025
Net loans and leases to core deposits33.7460%6,050
Total domestic deposits to total assets88.4587%1,310
Equity capital to assets11.4002%2,586
Core capital (leverage) ratio11.6722%1,905
Tier 1 risk-based capital ratio30.1588%515
Total risk-based capital ratio31.4194%507
Memoranda:
Average total assets$133,817,2503,865
Average earning assets$125,974,0003,813
Average equity$15,650,7503,771
Average total loans$42,600,7504,966
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3980%5,233
Cost of funding earning assets0.1260%6,009
Net interest margin3.2720%4,414
Noninterest income to average assets0.2816%4,941
Noninterest expense to average assets2.1931%5,134
Loan and lease loss provision to assets0.0183%3,761
Net operating income to assets1.1293%1,838
Return on assets (ROA)1.1293%1,920
Pretax return on assets1.1521%2,966
Return on Equity (ROE)9.5693%2,270
Retained earnings to average equity (ytd only)6.5128%1,938
Net charge-offs to loans-0.0188%5,152
Credit loss provision to net charge-offs-300.0000%5,109
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2036%4,148
Assets per employee ($millions)4.0988%3,684
Cash dividends to net income (ytd only)*31.9407%2,744
Condition Ratios (%)
Loss allowance to loans2.6220%418
Loan loss allowance to noncurrent loans75.8574%4,323
Noncurrent assets plus other real estate owned to assets1.1666%2,177
Noncurrent loans to loans3.4565%513
Net loans and leases to total assets30.9722%6,008
Net loans and leases to deposits35.0525%6,062
Net loans and leases to core deposits35.3781%6,082
Total domestic deposits to total assets88.3595%1,462
Equity capital to assets11.5304%2,389
Core capital (leverage) ratio11.2007%2,247
Tier 1 risk-based capital ratio29.7480%560
Total risk-based capital ratio31.0091%549
Memoranda:
Average total assets$131,409,3303,936
Average earning assets$123,779,3303,886
Average equity$15,508,0003,813
Average total loans$42,527,3305,010
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4441%5,104
Cost of funding earning assets0.1313%6,052
Net interest margin3.3127%4,160
Noninterest income to average assets0.2904%4,854
Noninterest expense to average assets2.1563%5,255
Loan and lease loss provision to assets0.0185%3,475
Net operating income to assets1.2326%1,455
Return on assets (ROA)1.2326%1,543
Pretax return on assets1.2326%2,539
Return on Equity (ROE)10.3207%1,860
Retained earnings to average equity (ytd only)7.2685%1,873
Net charge-offs to loans-0.0378%5,380
Credit loss provision to net charge-offs-150.0000%4,559
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.2820%4,591
Assets per employee ($millions)4.2240%3,522
Cash dividends to net income (ytd only)*29.5739%2,354
Condition Ratios (%)
Loss allowance to loans2.6491%432
Loan loss allowance to noncurrent loans74.3539%4,319
Noncurrent assets plus other real estate owned to assets1.1837%2,266
Noncurrent loans to loans3.5628%529
Net loans and leases to total assets30.5043%6,054
Net loans and leases to deposits34.6409%6,108
Net loans and leases to core deposits34.9640%6,123
Total domestic deposits to total assets88.0586%1,787
Equity capital to assets11.6255%2,354
Core capital (leverage) ratio11.6571%1,884
Tier 1 risk-based capital ratio30.5966%512
Total risk-based capital ratio31.8476%507
Memoranda:
Average total assets$129,484,0004,001
Average earning assets$121,832,5003,938
Average equity$15,464,0003,839
Average total loans$42,280,5005,058
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5025%5,310
Cost of funding earning assets0.1364%6,171
Net interest margin3.3661%4,350
Noninterest income to average assets0.3143%4,873
Noninterest expense to average assets2.2115%5,328
Loan and lease loss provision to assets0.0807%2,864
Net operating income to assets1.0351%2,235
Return on assets (ROA)1.0351%2,314
Pretax return on assets1.1818%2,725
Return on Equity (ROE)8.8790%2,649
Retained earnings to average equity (ytd only)3.9203%3,423
Net charge-offs to loans0.0801%3,345
Credit loss provision to net charge-offs315.1515%827
Earnings coverage of net charge-offs (x)49.3030%935
Efficiency ratio63.6587%4,638
Assets per employee ($millions)3.7515%4,438
Cash dividends to net income (ytd only)*55.8471%1,962
Condition Ratios (%)
Loss allowance to loans2.6346%467
Loan loss allowance to noncurrent loans78.9773%4,242
Noncurrent assets plus other real estate owned to assets1.1373%2,485
Noncurrent loans to loans3.3359%638
Net loans and leases to total assets33.1947%6,075
Net loans and leases to deposits37.9739%6,106
Net loans and leases to core deposits38.3635%6,141
Total domestic deposits to total assets87.4144%2,075
Equity capital to assets12.2892%1,793
Core capital (leverage) ratio11.3084%2,123
Tier 1 risk-based capital ratio31.3572%463
Total risk-based capital ratio32.6206%453
Memoranda:
Average total assets$128,873,2003,995
Average earning assets$120,971,0003,943
Average equity$15,024,2003,830
Average total loans$41,222,6005,136
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4658%5,458
Cost of funding earning assets0.1365%6,256
Net interest margin3.3293%4,509
Noninterest income to average assets0.3186%4,885
Noninterest expense to average assets2.1064%5,554
Loan and lease loss provision to assets0.0184%4,039
Net operating income to assets1.1771%1,765
Return on assets (ROA)1.1771%1,835
Pretax return on assets1.3175%2,313
Return on Equity (ROE)10.2289%2,101
Retained earnings to average equity (ytd only)7.0507%1,792
Net charge-offs to loans0.1529%2,264
Credit loss provision to net charge-offs38.2979%3,315
Earnings coverage of net charge-offs (x)27.7425%1,438
Efficiency ratio61.1905%5,005
Assets per employee ($millions)4.2941%3,304
Cash dividends to net income (ytd only)*31.0707%2,754
Condition Ratios (%)
Loss allowance to loans2.4187%713
Loan loss allowance to noncurrent loans77.1341%4,266
Noncurrent assets plus other real estate owned to assets0.9548%3,058
Noncurrent loans to loans3.1358%817
Net loans and leases to total assets29.7121%6,260
Net loans and leases to deposits33.5643%6,310
Net loans and leases to core deposits33.8900%6,322
Total domestic deposits to total assets88.5228%1,487
Equity capital to assets11.2377%2,715
Core capital (leverage) ratio11.4528%2,098
Tier 1 risk-based capital ratio31.7425%451
Total risk-based capital ratio33.0034%443
Memoranda:
Average total assets$130,141,5004,002
Average earning assets$122,105,5003,947
Average equity$14,976,7503,860
Average total loans$40,976,5005,194
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5163%5,374
Cost of funding earning assets0.1403%6,315
Net interest margin3.3760%4,281
Noninterest income to average assets0.3101%4,934
Noninterest expense to average assets2.1172%5,592
Loan and lease loss provision to assets0.0188%3,894
Net operating income to assets1.1886%1,626
Return on assets (ROA)1.1886%1,698
Pretax return on assets1.3405%2,113
Return on Equity (ROE)10.2418%2,038
Retained earnings to average equity (ytd only)7.0033%1,772
Net charge-offs to loans0.2015%1,818
Credit loss provision to net charge-offs29.2683%3,065
Earnings coverage of net charge-offs (x)21.1707%1,557
Efficiency ratio60.9009%5,156
Assets per employee ($millions)3.9035%4,053
Cash dividends to net income (ytd only)*31.6206%2,723
Condition Ratios (%)
Loss allowance to loans2.4527%760
Loan loss allowance to noncurrent loans89.7163%3,892
Noncurrent assets plus other real estate owned to assets0.8757%3,355
Noncurrent loans to loans2.7339%1,103
Net loans and leases to total assets31.2448%6,269
Net loans and leases to deposits35.5002%6,309
Net loans and leases to core deposits35.9585%6,332
Total domestic deposits to total assets88.0130%1,892
Equity capital to assets11.7479%2,206
Core capital (leverage) ratio11.1969%2,247
Tier 1 risk-based capital ratio31.3605%470
Total risk-based capital ratio32.6215%464
Memoranda:
Average total assets$127,718,0004,079
Average earning assets$119,785,3304,012
Average equity$14,821,6703,891
Average total loans$40,688,6705,242
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5165%5,376
Cost of funding earning assets0.1409%6,398
Net interest margin3.3756%4,241
Noninterest income to average assets0.3240%4,774
Noninterest expense to average assets2.2018%5,461
Loan and lease loss provision to assets0.0189%3,583
Net operating income to assets1.2487%1,352
Return on assets (ROA)1.2487%1,410
Pretax return on assets1.2676%2,222
Return on Equity (ROE)10.8278%1,745
Retained earnings to average equity (ytd only)7.5549%1,790
Net charge-offs to loans0.0990%2,176
Credit loss provision to net charge-offs60.0000%2,107
Earnings coverage of net charge-offs (x)40.9000%864
Efficiency ratio63.1199%4,985
Assets per employee ($millions)4.2218%3,483
Cash dividends to net income (ytd only)*30.2267%2,283
Condition Ratios (%)
Loss allowance to loans2.5598%754
Loan loss allowance to noncurrent loans411.5079%1,133
Noncurrent assets plus other real estate owned to assets0.1865%5,664
Noncurrent loans to loans0.6221%4,306
Net loans and leases to total assets29.2192%6,385
Net loans and leases to deposits32.8690%6,405
Net loans and leases to core deposits33.1990%6,428
Total domestic deposits to total assets88.8960%1,729
Equity capital to assets10.9515%2,763
Core capital (leverage) ratio11.3365%2,104
Tier 1 risk-based capital ratio31.8111%453
Total risk-based capital ratio33.0730%451
Memoranda:
Average total assets$127,169,5004,123
Average earning assets$119,210,0004,058
Average equity$14,666,0003,918
Average total loans$40,403,0005,303
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6623%5,238
Cost of funding earning assets0.1558%6,514
Net interest margin3.5065%3,869
Noninterest income to average assets0.3361%4,912
Noninterest expense to average assets2.3893%5,103
Loan and lease loss provision to assets0.0669%3,792
Net operating income to assets1.0695%2,039
Return on assets (ROA)1.0695%2,121
Pretax return on assets1.1703%2,689
Return on Equity (ROE)8.8432%2,620
Retained earnings to average equity (ytd only)3.7353%3,562
Net charge-offs to loans0.2033%2,844
Credit loss provision to net charge-offs102.5316%2,360
Earnings coverage of net charge-offs (x)18.9620%1,629
Efficiency ratio65.8848%4,583
Assets per employee ($millions)3.7263%4,421
Cash dividends to net income (ytd only)*57.7606%1,879
Condition Ratios (%)
Loss allowance to loans2.5834%737
Loan loss allowance to noncurrent loans382.7206%1,211
Noncurrent assets plus other real estate owned to assets0.2281%5,597
Noncurrent loans to loans0.6750%4,287
Net loans and leases to total assets32.9193%6,342
Net loans and leases to deposits37.5245%6,384
Net loans and leases to core deposits37.9574%6,417
Total domestic deposits to total assets87.7276%2,352
Equity capital to assets12.1911%1,689
Core capital (leverage) ratio11.6280%1,874
Tier 1 risk-based capital ratio31.6718%442
Total risk-based capital ratio32.9342%435
Memoranda:
Average total assets$121,083,0004,255
Average earning assets$113,618,4004,191
Average equity$14,644,0003,935
Average total loans$38,864,2005,397
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6293%5,360
Cost of funding earning assets0.1600%6,597
Net interest margin3.4693%4,019
Noninterest income to average assets0.3423%4,954
Noninterest expense to average assets2.2817%5,401
Loan and lease loss provision to assets0.0187%4,642
Net operating income to assets1.2100%1,598
Return on assets (ROA)1.2100%1,674
Pretax return on assets1.3010%2,324
Return on Equity (ROE)10.0242%2,170
Retained earnings to average equity (ytd only)6.7707%1,988
Net charge-offs to loans0.3012%2,025
Credit loss provision to net charge-offs19.5402%4,081
Earnings coverage of net charge-offs (x)13.8272%1,991
Efficiency ratio63.3567%4,911
Assets per employee ($millions)3.9220%3,999
Cash dividends to net income (ytd only)*32.4568%2,590
Condition Ratios (%)
Loss allowance to loans2.4356%1,004
Loan loss allowance to noncurrent loans144.8430%2,597
Noncurrent assets plus other real estate owned to assets0.5330%4,848
Noncurrent loans to loans1.6815%2,667
Net loans and leases to total assets30.9279%6,496
Net loans and leases to deposits35.0180%6,541
Net loans and leases to core deposits35.5061%6,576
Total domestic deposits to total assets88.3200%1,932
Equity capital to assets11.6226%2,198
Core capital (leverage) ratio11.9838%1,681
Tier 1 risk-based capital ratio32.5013%423
Total risk-based capital ratio33.7642%414
Memoranda:
Average total assets$121,543,0004,284
Average earning assets$114,179,5004,218
Average equity$14,670,7503,976
Average total loans$38,506,5005,460
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6547%5,277
Cost of funding earning assets0.1736%6,607
Net interest margin3.4811%3,862
Noninterest income to average assets0.3327%5,035
Noninterest expense to average assets2.2824%5,412
Loan and lease loss provision to assets0.0183%4,527
Net operating income to assets1.2577%1,438
Return on assets (ROA)1.2577%1,535
Pretax return on assets1.3009%2,293
Return on Equity (ROE)10.2866%2,091
Retained earnings to average equity (ytd only)7.0483%1,871
Net charge-offs to loans0.3309%1,862
Credit loss provision to net charge-offs17.4603%3,782
Earnings coverage of net charge-offs (x)12.5873%1,968
Efficiency ratio63.3718%4,950
Assets per employee ($millions)3.7089%4,382
Cash dividends to net income (ytd only)*31.4815%2,620
Condition Ratios (%)
Loss allowance to loans2.5567%921
Loan loss allowance to noncurrent loans272.6519%1,532
Noncurrent assets plus other real estate owned to assets0.3050%5,560
Noncurrent loans to loans0.9377%4,049
Net loans and leases to total assets31.6951%6,521
Net loans and leases to deposits36.0641%6,557
Net loans and leases to core deposits36.5985%6,584
Total domestic deposits to total assets87.8855%2,325
Equity capital to assets12.0598%1,877
Core capital (leverage) ratio11.6167%1,849
Tier 1 risk-based capital ratio33.2359%400
Total risk-based capital ratio34.4993%391
Memoranda:
Average total assets$120,222,3304,343
Average earning assets$112,895,3304,270
Average equity$14,698,6704,008
Average total loans$38,080,3305,504
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6434%5,331
Cost of funding earning assets0.1832%6,656
Net interest margin3.4602%3,860
Noninterest income to average assets0.3339%5,027
Noninterest expense to average assets2.3803%5,182
Loan and lease loss provision to assets0.0165%4,256
Net operating income to assets1.1836%1,576
Return on assets (ROA)1.1836%1,686
Pretax return on assets1.1836%2,637
Return on Equity (ROE)9.6162%2,225
Retained earnings to average equity (ytd only)6.4198%2,448
Net charge-offs to loans0.1163%2,730
Credit loss provision to net charge-offs45.4545%2,673
Earnings coverage of net charge-offs (x)33.0000%913
Efficiency ratio66.4820%4,581
Assets per employee ($millions)3.9633%4,031
Cash dividends to net income (ytd only)*33.2402%2,009
Condition Ratios (%)
Loss allowance to loans2.7196%897
Loan loss allowance to noncurrent loans248.9157%1,568
Noncurrent assets plus other real estate owned to assets0.3272%5,603
Noncurrent loans to loans1.0926%3,960
Net loans and leases to total assets29.1357%6,637
Net loans and leases to deposits33.1857%6,663
Net loans and leases to core deposits33.6457%6,683
Total domestic deposits to total assets87.7957%2,460
Equity capital to assets11.7359%2,228
Core capital (leverage) ratio11.4467%1,910
Tier 1 risk-based capital ratio33.8135%382
Total risk-based capital ratio35.0802%378
Memoranda:
Average total assets$120,991,5004,376
Average earning assets$113,520,5004,299
Average equity$14,891,5004,015
Average total loans$37,818,5005,552
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9712%5,394
Cost of funding earning assets0.2207%6,775
Net interest margin3.7505%3,432
Noninterest income to average assets0.3609%4,902
Noninterest expense to average assets2.4387%5,287
Loan and lease loss provision to assets0.1975%3,162
Net operating income to assets1.0762%2,031
Return on assets (ROA)1.1001%2,122
Pretax return on assets1.2556%2,587
Return on Equity (ROE)8.6009%2,829
Retained earnings to average equity (ytd only)3.5046%3,750
Net charge-offs to loans0.1389%4,304
Credit loss provision to net charge-offs426.4151%564
Earnings coverage of net charge-offs (x)30.7925%990
Efficiency ratio63.1020%5,058
Assets per employee ($millions)3.5987%4,780
Cash dividends to net income (ytd only)*59.2534%1,841
Condition Ratios (%)
Loss allowance to loans2.7594%865
Loan loss allowance to noncurrent loans1,298.7500%378
Noncurrent assets plus other real estate owned to assets0.0695%6,432
Noncurrent loans to loans0.2125%5,942
Net loans and leases to total assets31.7943%6,636
Net loans and leases to deposits36.8069%6,664
Net loans and leases to core deposits37.4825%6,691
Total domestic deposits to total assets86.3814%3,163
Equity capital to assets12.9378%1,479
Core capital (leverage) ratio11.6005%1,804
Tier 1 risk-based capital ratio33.7117%371
Total risk-based capital ratio34.9788%368
Memoranda:
Average total assets$114,448,0004,480
Average earning assets$106,919,8004,418
Average equity$14,638,0004,033
Average total loans$38,157,4005,582
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0033%5,511
Cost of funding earning assets0.2286%6,878
Net interest margin3.7746%3,443
Noninterest income to average assets0.3629%4,918
Noninterest expense to average assets2.3721%5,479
Loan and lease loss provision to assets0.0630%4,922
Net operating income to assets1.3220%1,391
Return on assets (ROA)1.3220%1,524
Pretax return on assets1.4527%2,068
Return on Equity (ROE)10.3661%2,190
Retained earnings to average equity (ytd only)7.1090%2,055
Net charge-offs to loans0.1149%4,232
Credit loss provision to net charge-offs163.6364%1,700
Earnings coverage of net charge-offs (x)39.3627%891
Efficiency ratio61.0144%5,311
Assets per employee ($millions)3.7031%4,536
Cash dividends to net income (ytd only)*31.4207%2,569
Condition Ratios (%)
Loss allowance to loans2.3699%1,404
Loan loss allowance to noncurrent loans518.7135%738
Noncurrent assets plus other real estate owned to assets0.2160%6,171
Noncurrent loans to loans0.4569%5,533
Net loans and leases to total assets29.9019%6,822
Net loans and leases to deposits34.4155%6,853
Net loans and leases to core deposits35.0060%6,874
Total domestic deposits to total assets86.8849%2,745
Equity capital to assets12.3941%1,968
Core capital (leverage) ratio12.1154%1,584
Tier 1 risk-based capital ratio34.5074%371
Total risk-based capital ratio35.7708%368
Memoranda:
Average total assets$114,270,2504,531
Average earning assets$106,709,5004,470
Average equity$14,572,7504,083
Average total loans$38,283,5005,643
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1320%5,187
Cost of funding earning assets0.2476%6,920
Net interest margin3.8845%2,980
Noninterest income to average assets0.3297%5,188
Noninterest expense to average assets2.4421%5,321
Loan and lease loss provision to assets0.0645%4,840
Net operating income to assets1.3760%1,245
Return on assets (ROA)1.3760%1,401
Pretax return on assets1.4495%2,012
Return on Equity (ROE)10.6803%2,098
Retained earnings to average equity (ytd only)7.3844%1,923
Net charge-offs to loans0.0104%5,317
Credit loss provision to net charge-offs1,800.0000%174
Earnings coverage of net charge-offs (x)422.5000%99
Efficiency ratio61.7301%5,293
Assets per employee ($millions)3.2870%5,478
Cash dividends to net income (ytd only)*30.8594%2,580
Condition Ratios (%)
Loss allowance to loans2.3196%1,559
Loan loss allowance to noncurrent loans459.1837%787
Noncurrent assets plus other real estate owned to assets0.2872%6,050
Noncurrent loans to loans0.5052%5,523
Net loans and leases to total assets33.9120%6,727
Net loans and leases to deposits39.3629%6,757
Net loans and leases to core deposits40.2513%6,798
Total domestic deposits to total assets86.1521%3,282
Equity capital to assets13.1634%1,445
Core capital (leverage) ratio12.0187%1,591
Tier 1 risk-based capital ratio33.1791%396
Total risk-based capital ratio34.4407%390
Memoranda:
Average total assets$111,626,0004,628
Average earning assets$104,210,3304,563
Average equity$14,381,6704,115
Average total loans$38,568,6705,663
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1319%5,350
Cost of funding earning assets0.2537%7,001
Net interest margin3.8782%3,016
Noninterest income to average assets0.3442%5,105
Noninterest expense to average assets2.4955%5,164
Loan and lease loss provision to assets0.0645%4,618
Net operating income to assets1.3195%1,401
Return on assets (ROA)1.3195%1,571
Pretax return on assets1.4019%2,182
Return on Equity (ROE)10.3538%2,281
Retained earnings to average equity (ytd only)7.0338%2,421
Net charge-offs to loans0.0416%4,117
Credit loss provision to net charge-offs450.0000%718
Earnings coverage of net charge-offs (x)102.2500%339
Efficiency ratio62.9864%5,110
Assets per employee ($millions)3.6600%4,740
Cash dividends to net income (ytd only)*32.0652%2,023
Condition Ratios (%)
Loss allowance to loans2.2881%1,694
Loan loss allowance to noncurrent loans369.7479%914
Noncurrent assets plus other real estate owned to assets0.3279%6,060
Noncurrent loans to loans0.6188%5,421
Net loans and leases to total assets32.0865%6,827
Net loans and leases to deposits36.8233%6,862
Net loans and leases to core deposits37.6048%6,892
Total domestic deposits to total assets87.1364%2,873
Equity capital to assets12.2318%1,892
Core capital (leverage) ratio12.0563%1,556
Tier 1 risk-based capital ratio32.9241%396
Total risk-based capital ratio34.1867%389
Memoranda:
Average total assets$111,560,5004,668
Average earning assets$104,068,5004,597
Average equity$14,217,0004,160
Average total loans$38,453,5005,710
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3883%5,473
Cost of funding earning assets0.2967%7,111
Net interest margin4.0916%2,459
Noninterest income to average assets0.3541%4,970
Noninterest expense to average assets2.6264%4,995
Loan and lease loss provision to assets0.2373%3,834
Net operating income to assets1.0401%2,042
Return on assets (ROA)1.1097%1,910
Pretax return on assets1.3506%1,950
Return on Equity (ROE)8.8983%2,499
Retained earnings to average equity (ytd only)3.4612%3,756
Net charge-offs to loans0.0896%5,442
Credit loss provision to net charge-offs764.7059%288
Earnings coverage of net charge-offs (x)48.4412%576
Efficiency ratio63.6022%5,195
Assets per employee ($millions)3.3125%5,475
Cash dividends to net income (ytd only)*61.1020%1,510
Condition Ratios (%)
Loss allowance to loans2.2525%1,706
Loan loss allowance to noncurrent loans329.2776%1,016
Noncurrent assets plus other real estate owned to assets0.3858%6,007
Noncurrent loans to loans0.6841%5,333
Net loans and leases to total assets35.4538%6,790
Net loans and leases to deposits42.1624%6,797
Net loans and leases to core deposits43.0230%6,855
Total domestic deposits to total assets84.0887%4,283
Equity capital to assets13.3094%1,358
Core capital (leverage) ratio11.8157%1,698
Tier 1 risk-based capital ratio31.9157%428
Total risk-based capital ratio33.1770%417
Memoranda:
Average total assets$109,578,6004,649
Average earning assets$101,108,8004,608
Average equity$13,665,6004,196
Average total loans$37,951,0005,788
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3569%5,750
Cost of funding earning assets0.3037%7,204
Net interest margin4.0532%2,680
Noninterest income to average assets0.3584%5,001
Noninterest expense to average assets2.5248%5,379
Loan and lease loss provision to assets0.0772%5,478
Net operating income to assets1.2927%1,398
Return on assets (ROA)1.3421%1,376
Pretax return on assets1.5497%1,518
Return on Equity (ROE)10.9379%1,886
Retained earnings to average equity (ytd only)7.4361%1,745
Net charge-offs to loans0.0352%5,651
Credit loss provision to net charge-offs640.0000%425
Earnings coverage of net charge-offs (x)130.1290%285
Efficiency ratio61.6564%5,465
Assets per employee ($millions)3.6706%4,595
Cash dividends to net income (ytd only)*32.0141%2,382
Condition Ratios (%)
Loss allowance to loans1.8078%2,916
Loan loss allowance to noncurrent loans290.3766%1,070
Noncurrent assets plus other real estate owned to assets0.3261%6,257
Noncurrent loans to loans0.6226%5,644
Net loans and leases to total assets32.0920%7,024
Net loans and leases to deposits36.9117%7,063
Net loans and leases to core deposits37.5665%7,089
Total domestic deposits to total assets86.9427%2,690
Equity capital to assets12.1992%2,101
Core capital (leverage) ratio12.6269%1,376
Tier 1 risk-based capital ratio31.8825%456
Total risk-based capital ratio33.1386%450
Memoranda:
Average total assets$110,473,2504,659
Average earning assets$101,843,2504,618
Average equity$13,555,0004,227
Average total loans$37,827,0005,843
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4337%5,576
Cost of funding earning assets0.3239%7,273
Net interest margin4.1098%2,371
Noninterest income to average assets0.3366%5,196
Noninterest expense to average assets2.5632%5,316
Loan and lease loss provision to assets0.0851%5,243
Net operating income to assets1.2920%1,340
Return on assets (ROA)1.3685%1,222
Pretax return on assets1.5535%1,370
Return on Equity (ROE)11.1303%1,754
Retained earnings to average equity (ytd only)7.5506%1,638
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.2921%5,544
Assets per employee ($millions)2.9999%6,089
Cash dividends to net income (ytd only)*32.1622%2,390
Condition Ratios (%)
Loss allowance to loans1.7857%3,039
Loan loss allowance to noncurrent loans224.9180%1,365
Noncurrent assets plus other real estate owned to assets0.2748%6,442
Noncurrent loans to loans0.7939%5,327
Net loans and leases to total assets33.9934%7,045
Net loans and leases to deposits39.0719%7,092
Net loans and leases to core deposits40.6676%7,113
Total domestic deposits to total assets87.0021%2,734
Equity capital to assets12.4366%1,822
Core capital (leverage) ratio11.6665%1,801
Tier 1 risk-based capital ratio31.7603%462
Total risk-based capital ratio33.0161%451
Memoranda:
Average total assets$108,144,6704,754
Average earning assets$99,420,0004,721
Average equity$13,297,0004,275
Average total loans$37,639,6705,907
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4014%5,694
Cost of funding earning assets0.3423%7,327
Net interest margin4.0591%2,439
Noninterest income to average assets0.3448%5,156
Noninterest expense to average assets2.6574%5,005
Loan and lease loss provision to assets0.0675%5,149
Net operating income to assets1.2832%1,313
Return on assets (ROA)1.4505%1,023
Pretax return on assets1.5292%1,362
Return on Equity (ROE)11.8680%1,495
Retained earnings to average equity (ytd only)8.2187%1,657
Net charge-offs to loans-0.0322%6,734
Credit loss provision to net charge-offs-600.0000%5,986
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.1654%5,172
Assets per employee ($millions)3.4883%5,023
Cash dividends to net income (ytd only)*30.7494%1,972
Condition Ratios (%)
Loss allowance to loans1.7648%3,116
Loan loss allowance to noncurrent loans163.6139%1,790
Noncurrent assets plus other real estate owned to assets0.3619%6,303
Noncurrent loans to loans1.0787%4,891
Net loans and leases to total assets32.9613%7,126
Net loans and leases to deposits37.5286%7,181
Net loans and leases to core deposits39.0339%7,190
Total domestic deposits to total assets87.8298%2,469
Equity capital to assets11.8029%2,040
Core capital (leverage) ratio11.8127%1,671
Tier 1 risk-based capital ratio31.8883%440
Total risk-based capital ratio33.1437%433
Memoranda:
Average total assets$106,719,5004,818
Average earning assets$98,150,5004,786
Average equity$13,043,5004,333
Average total loans$37,251,0005,978
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5568%6,229
Cost of funding earning assets0.4506%7,366
Net interest margin4.1062%2,531
Noninterest income to average assets0.3696%5,142
Noninterest expense to average assets2.6828%5,069
Loan and lease loss provision to assets0.1753%5,474
Net operating income to assets1.0206%1,965
Return on assets (ROA)1.1146%1,744
Pretax return on assets1.4157%1,622
Return on Equity (ROE)8.8906%2,337
Retained earnings to average equity (ytd only)3.2523%3,590
Net charge-offs to loans0.2636%4,717
Credit loss provision to net charge-offs191.6667%1,676
Earnings coverage of net charge-offs (x)16.0938%1,238
Efficiency ratio64.5723%5,248
Assets per employee ($millions)3.0853%5,910
Cash dividends to net income (ytd only)*63.4188%1,489
Condition Ratios (%)
Loss allowance to loans1.7275%3,112
Loan loss allowance to noncurrent loans292.2374%1,046
Noncurrent assets plus other real estate owned to assets0.2151%6,692
Noncurrent loans to loans0.5911%5,865
Net loans and leases to total assets35.7593%7,166
Net loans and leases to deposits42.3339%7,174
Net loans and leases to core deposits44.0088%7,202
Total domestic deposits to total assets84.4697%4,136
Equity capital to assets12.6819%1,538
Core capital (leverage) ratio11.6695%1,747
Tier 1 risk-based capital ratio30.7053%482
Total risk-based capital ratio31.9589%472
Memoranda:
Average total assets$104,966,8004,850
Average earning assets$96,756,2004,809
Average equity$13,160,0004,335
Average total loans$36,417,6006,096
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5385%6,505
Cost of funding earning assets0.4680%7,491
Net interest margin4.0705%2,758
Noninterest income to average assets0.3681%5,207
Noninterest expense to average assets2.5656%5,444
Loan and lease loss provision to assets0.0857%6,184
Net operating income to assets1.2024%1,589
Return on assets (ROA)1.2494%1,548
Pretax return on assets1.5356%1,520
Return on Equity (ROE)9.9932%2,125
Retained earnings to average equity (ytd only)6.4033%2,137
Net charge-offs to loans0.2978%4,173
Credit loss provision to net charge-offs83.9506%5,002
Earnings coverage of net charge-offs (x)15.3082%1,447
Efficiency ratio62.1374%5,599
Assets per employee ($millions)3.3116%5,428
Cash dividends to net income (ytd only)*35.9230%2,269
Condition Ratios (%)
Loss allowance to loans1.4451%4,234
Loan loss allowance to noncurrent loans132.4324%2,144
Noncurrent assets plus other real estate owned to assets0.3724%6,473
Noncurrent loans to loans1.0912%5,060
Net loans and leases to total assets33.6368%7,357
Net loans and leases to deposits38.6497%7,406
Net loans and leases to core deposits40.7672%7,406
Total domestic deposits to total assets87.0299%2,511
Equity capital to assets12.2902%1,980
Core capital (leverage) ratio11.7051%1,814
Tier 1 risk-based capital ratio31.0868%470
Total risk-based capital ratio32.3388%462
Memoranda:
Average total assets$105,755,0004,890
Average earning assets$97,709,0004,846
Average equity$13,222,0004,390
Average total loans$36,260,0006,189
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6081%6,434
Cost of funding earning assets0.4823%7,565
Net interest margin4.1257%2,450
Noninterest income to average assets0.3710%5,168
Noninterest expense to average assets2.5990%5,327
Loan and lease loss provision to assets0.0956%5,956
Net operating income to assets1.2450%1,438
Return on assets (ROA)1.2450%1,499
Pretax return on assets1.4879%1,586
Return on Equity (ROE)9.8994%2,135
Retained earnings to average equity (ytd only)6.2803%2,181
Net charge-offs to loans0.4065%3,361
Credit loss provision to net charge-offs68.4932%5,008
Earnings coverage of net charge-offs (x)11.3425%1,773
Efficiency ratio62.1399%5,666
Assets per employee ($millions)3.2052%5,678
Cash dividends to net income (ytd only)*36.5591%2,228
Condition Ratios (%)
Loss allowance to loans1.4223%4,323
Loan loss allowance to noncurrent loans174.0132%1,626
Noncurrent assets plus other real estate owned to assets0.2874%6,697
Noncurrent loans to loans0.8173%5,641
Net loans and leases to total assets34.6639%7,397
Net loans and leases to deposits39.9601%7,445
Net loans and leases to core deposits40.7633%7,474
Total domestic deposits to total assets86.7461%2,679
Equity capital to assets12.5977%1,740
Core capital (leverage) ratio11.6247%1,845
Tier 1 risk-based capital ratio31.1273%452
Total risk-based capital ratio32.3773%446
Memoranda:
Average total assets$104,579,3304,950
Average earning assets$96,613,0004,913
Average equity$13,152,3304,406
Average total loans$35,914,0006,247
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6037%6,554
Cost of funding earning assets0.4930%7,680
Net interest margin4.1107%2,397
Noninterest income to average assets0.3731%5,156
Noninterest expense to average assets2.6428%5,171
Loan and lease loss provision to assets0.0692%5,945
Net operating income to assets1.2464%1,412
Return on assets (ROA)1.2464%1,485
Pretax return on assets1.4464%1,648
Return on Equity (ROE)9.9189%2,130
Retained earnings to average equity (ytd only)6.2758%2,482
Net charge-offs to loans0.2268%3,565
Credit loss provision to net charge-offs90.0000%3,659
Earnings coverage of net charge-offs (x)19.7000%1,187
Efficiency ratio63.5523%5,576
Assets per employee ($millions)3.2731%5,603
Cash dividends to net income (ytd only)*36.7284%1,856
Condition Ratios (%)
Loss allowance to loans1.5203%3,810
Loan loss allowance to noncurrent loans179.1531%1,564
Noncurrent assets plus other real estate owned to assets0.2842%6,765
Noncurrent loans to loans0.8486%5,618
Net loans and leases to total assets32.9852%7,532
Net loans and leases to deposits37.8526%7,584
Net loans and leases to core deposits38.5910%7,614
Total domestic deposits to total assets87.1412%2,554
Equity capital to assets12.2264%1,918
Core capital (leverage) ratio11.8337%1,730
Tier 1 risk-based capital ratio30.9573%478
Total risk-based capital ratio32.2087%468
Memoranda:
Average total assets$103,982,5005,033
Average earning assets$95,749,0004,997
Average equity$13,066,0004,460
Average total loans$35,274,0006,352
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9096%6,686
Cost of funding earning assets0.6497%7,738
Net interest margin4.2599%1,856
Noninterest income to average assets0.3588%5,527
Noninterest expense to average assets2.6970%5,411
Loan and lease loss provision to assets0.1681%6,006
Net operating income to assets1.1144%1,476
Return on assets (ROA)1.1144%1,511
Pretax return on assets1.4223%1,378
Return on Equity (ROE)8.8672%2,069
Retained earnings to average equity (ytd only)3.0257%3,048
Net charge-offs to loans0.4939%3,795
Credit loss provision to net charge-offs102.3810%5,398
Earnings coverage of net charge-offs (x)9.6845%1,765
Efficiency ratio62.9047%5,983
Assets per employee ($millions)2.9398%6,367
Cash dividends to net income (ytd only)*65.8772%1,738
Condition Ratios (%)
Loss allowance to loans1.6061%3,261
Loan loss allowance to noncurrent loans148.3871%1,930
Noncurrent assets plus other real estate owned to assets0.3722%6,519
Noncurrent loans to loans1.0823%5,158
Net loans and leases to total assets33.8339%7,595
Net loans and leases to deposits40.2552%7,623
Net loans and leases to core deposits43.0408%7,716
Total domestic deposits to total assets84.0485%4,006
Equity capital to assets12.9321%1,533
Core capital (leverage) ratio12.2398%1,557
Tier 1 risk-based capital ratio31.4463%463
Total risk-based capital ratio32.6988%456
Memoranda:
Average total assets$102,299,2005,030
Average earning assets$94,345,0005,000
Average equity$12,856,4004,545
Average total loans$34,017,2006,395
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9089%6,861
Cost of funding earning assets0.6844%7,827
Net interest margin4.2245%1,959
Noninterest income to average assets0.3486%5,712
Noninterest expense to average assets2.6242%5,623
Loan and lease loss provision to assets0.0700%6,660
Net operating income to assets1.2492%1,344
Return on assets (ROA)1.2492%1,411
Pretax return on assets1.5577%1,270
Return on Equity (ROE)10.0109%1,904
Retained earnings to average equity (ytd only)6.2517%1,826
Net charge-offs to loans0.5737%2,958
Credit loss provision to net charge-offs36.9863%6,451
Earnings coverage of net charge-offs (x)8.6028%2,219
Efficiency ratio61.7190%6,160
Assets per employee ($millions)3.1701%5,725
Cash dividends to net income (ytd only)*37.5515%2,554
Condition Ratios (%)
Loss allowance to loans1.3412%4,258
Loan loss allowance to noncurrent loans165.2174%1,764
Noncurrent assets plus other real estate owned to assets0.2638%6,846
Noncurrent loans to loans0.8118%5,681
Net loans and leases to total assets32.0639%7,749
Net loans and leases to deposits36.9120%7,804
Net loans and leases to core deposits39.1460%7,860
Total domestic deposits to total assets86.8659%2,251
Equity capital to assets12.5271%1,938
Core capital (leverage) ratio12.3184%1,658
Tier 1 risk-based capital ratio31.8998%475
Total risk-based capital ratio33.0840%470
Memoranda:
Average total assets$102,885,7505,048
Average earning assets$95,063,0005,005
Average equity$12,839,0004,575
Average total loans$33,929,0006,449
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9910%6,806
Cost of funding earning assets0.7381%7,887
Net interest margin4.2529%1,809
Noninterest income to average assets0.3323%5,849
Noninterest expense to average assets2.7055%5,364
Loan and lease loss provision to assets0.0704%6,494
Net operating income to assets1.1983%1,482
Return on assets (ROA)1.1983%1,566
Pretax return on assets1.4876%1,484
Return on Equity (ROE)9.6154%2,161
Retained earnings to average equity (ytd only)5.8195%2,108
Net charge-offs to loans0.3244%3,558
Credit loss provision to net charge-offs65.4545%5,499
Earnings coverage of net charge-offs (x)14.4909%1,649
Efficiency ratio63.4571%6,013
Assets per employee ($millions)2.8833%6,436
Cash dividends to net income (ytd only)*39.4780%2,452
Condition Ratios (%)
Loss allowance to loans1.5633%2,898
Loan loss allowance to noncurrent loans137.4026%2,149
Noncurrent assets plus other real estate owned to assets0.3815%6,504
Noncurrent loans to loans1.1377%4,941
Net loans and leases to total assets33.0080%7,807
Net loans and leases to deposits38.3182%7,854
Net loans and leases to core deposits41.3101%7,916
Total domestic deposits to total assets86.1418%2,714
Equity capital to assets12.7811%1,797
Core capital (leverage) ratio11.7637%1,945
Tier 1 risk-based capital ratio31.9772%501
Total risk-based capital ratio33.2278%492
Memoranda:
Average total assets$102,310,0005,091
Average earning assets$94,570,6705,055
Average equity$12,750,3304,613
Average total loans$33,905,6706,506
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0711%6,736
Cost of funding earning assets0.8051%7,904
Net interest margin4.2659%1,688
Noninterest income to average assets0.3107%5,954
Noninterest expense to average assets2.6484%5,226
Loan and lease loss provision to assets0.0699%6,082
Net operating income to assets1.3164%1,344
Return on assets (ROA)1.3164%1,442
Pretax return on assets1.5222%1,606
Return on Equity (ROE)10.6970%2,067
Retained earnings to average equity (ytd only)6.8473%2,263
Net charge-offs to loans0.2593%3,106
Credit loss provision to net charge-offs81.8182%4,166
Earnings coverage of net charge-offs (x)18.6364%1,456
Efficiency ratio62.4542%5,970
Assets per employee ($millions)3.2331%5,506
Cash dividends to net income (ytd only)*35.9882%2,171
Condition Ratios (%)
Loss allowance to loans1.6072%2,485
Loan loss allowance to noncurrent loans2,590.4762%184
Noncurrent assets plus other real estate owned to assets0.0647%7,403
Noncurrent loans to loans0.0620%7,354
Net loans and leases to total assets31.2141%7,886
Net loans and leases to deposits35.7436%7,947
Net loans and leases to core deposits38.4095%7,997
Total domestic deposits to total assets87.3280%2,049
Equity capital to assets12.0262%2,242
Core capital (leverage) ratio11.7018%2,041
Tier 1 risk-based capital ratio29.9559%621
Total risk-based capital ratio31.2074%610
Memoranda:
Average total assets$103,007,5005,096
Average earning assets$94,891,0005,058
Average equity$12,676,5004,660
Average total loans$33,939,0006,543
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5974%7,074
Cost of funding earning assets1.1471%7,977
Net interest margin4.4503%1,537
Noninterest income to average assets0.3524%5,910
Noninterest expense to average assets2.6013%5,648
Loan and lease loss provision to assets0.3032%3,949
Net operating income to assets1.1606%1,906
Return on assets (ROA)1.1606%1,835
Pretax return on assets1.5532%1,530
Return on Equity (ROE)9.4226%2,468
Retained earnings to average equity (ytd only)3.2849%3,108
Net charge-offs to loans0.3282%3,206
Credit loss provision to net charge-offs269.6429%1,710
Earnings coverage of net charge-offs (x)16.5089%1,840
Efficiency ratio58.3559%6,634
Assets per employee ($millions)3.0098%6,039
Cash dividends to net income (ytd only)*65.1384%2,407
Condition Ratios (%)
Loss allowance to loans1.6103%2,202
Loan loss allowance to noncurrent loans314.9425%1,283
Noncurrent assets plus other real estate owned to assets0.2235%6,678
Noncurrent loans to loans0.5113%5,819
Net loans and leases to total assets33.7112%7,902
Net loans and leases to deposits39.8474%7,943
Net loans and leases to core deposits43.0025%8,007
Total domestic deposits to total assets84.6007%3,027
Equity capital to assets12.6074%1,965
Core capital (leverage) ratio12.1760%1,890
Tier 1 risk-based capital ratio30.9986%591
Total risk-based capital ratio32.2493%581
Memoranda:
Average total assets$99,603,8005,059
Average earning assets$91,881,6005,031
Average equity$12,268,4004,763
Average total loans$34,122,2006,479