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The First National Bank of Le Center, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6214%2,848
Cost of funding earning assets1.3805%2,280
Net interest margin3.2409%2,774
Noninterest income to average assets0.3600%2,733
Noninterest expense to average assets2.5750%2,083
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.7008%3,197
Return on assets (ROA)0.6739%3,238
Pretax return on assets0.7116%3,411
Return on Equity (ROE)7.8100%3,080
Retained earnings to average equity (ytd only)1.5618%3,693
Net charge-offs to loans-0.0112%4,019
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio77.6784%1,097
Assets per employee ($millions)7.9050%1,487
Cash dividends to net income (ytd only)*80.0000%584
Condition Ratios (%)
Loss allowance to loans1.0268%3,181
Loan loss allowance to noncurrent loans805.8824%1,041
Noncurrent assets plus other real estate owned to assets0.0819%2,992
Noncurrent loans to loans0.1274%2,880
Net loans and leases to total assets63.6400%2,495
Net loans and leases to deposits70.9558%2,820
Net loans and leases to core deposits75.9930%2,980
Total domestic deposits to total assets89.6900%848
Equity capital to assets7.8757%3,500
Core capital (leverage) ratio9.6022%3,166
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$148,387,8003,378
Average earning assets$135,240,0003,388
Average equity$12,805,8003,454
Average total loans$98,328,4003,193
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6455%2,576
Cost of funding earning assets1.2911%2,171
Net interest margin3.3544%2,559
Noninterest income to average assets0.3900%2,543
Noninterest expense to average assets2.5095%2,213
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.8746%2,780
Return on assets (ROA)0.8380%2,883
Pretax return on assets0.8899%3,124
Return on Equity (ROE)9.4700%2,808
Retained earnings to average equity (ytd only)9.4722%1,557
Net charge-offs to loans-0.0111%3,962
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio72.9868%1,451
Assets per employee ($millions)6.9190%2,019
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.0490%3,119
Loan loss allowance to noncurrent loans68.8287%3,479
Noncurrent assets plus other real estate owned to assets1.0432%482
Noncurrent loans to loans1.5241%471
Net loans and leases to total assets67.7300%2,078
Net loans and leases to deposits84.5321%1,696
Net loans and leases to core deposits89.6956%1,950
Total domestic deposits to total assets80.1200%3,510
Equity capital to assets8.5792%2,679
Core capital (leverage) ratio10.4372%2,445
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$143,983,5003,426
Average earning assets$131,047,0003,444
Average equity$12,738,7503,448
Average total loans$96,225,5003,220
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4900%2,666
Cost of funding earning assets1.0095%2,573
Net interest margin3.4805%2,310
Noninterest income to average assets0.3300%2,899
Noninterest expense to average assets2.5121%2,174
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.9403%2,613
Return on assets (ROA)0.8864%2,793
Pretax return on assets0.9374%3,074
Return on Equity (ROE)9.9100%2,729
Retained earnings to average equity (ytd only)9.9113%1,425
Net charge-offs to loans-0.0107%3,931
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio71.6478%1,597
Assets per employee ($millions)6.2053%2,535
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.1451%2,729
Loan loss allowance to noncurrent loans615.8192%1,326
Noncurrent assets plus other real estate owned to assets0.1240%2,676
Noncurrent loans to loans0.1859%2,540
Net loans and leases to total assets65.9300%2,162
Net loans and leases to deposits81.8591%1,838
Net loans and leases to core deposits86.4806%2,033
Total domestic deposits to total assets80.5400%3,494
Equity capital to assets9.0651%2,474
Core capital (leverage) ratio10.6841%2,156
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$141,239,0003,466
Average earning assets$128,774,0003,477
Average equity$12,632,0003,472
Average total loans$93,570,6673,247
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4686%2,393
Cost of funding earning assets0.7245%2,974
Net interest margin3.7442%1,801
Noninterest income to average assets0.3100%2,990
Noninterest expense to average assets2.4399%2,400
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.2812%1,720
Return on assets (ROA)1.1701%1,989
Pretax return on assets1.1701%2,512
Return on Equity (ROE)13.1700%1,950
Retained earnings to average equity (ytd only)13.1741%1,060
Net charge-offs to loans-0.0129%3,937
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio65.5700%2,259
Assets per employee ($millions)6.0538%2,714
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.2018%2,540
Loan loss allowance to noncurrent loans671.6049%1,323
Noncurrent assets plus other real estate owned to assets0.1163%2,704
Noncurrent loans to loans0.1789%2,584
Net loans and leases to total assets64.2400%2,226
Net loans and leases to deposits73.8125%2,308
Net loans and leases to core deposits77.4244%2,431
Total domestic deposits to total assets87.0300%2,250
Equity capital to assets9.2468%2,315
Core capital (leverage) ratio10.6272%2,128
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$140,497,0003,517
Average earning assets$128,093,0003,528
Average equity$12,479,0003,527
Average total loans$92,762,5003,294
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8081%2,254
Cost of funding earning assets0.4312%1,853
Net interest margin3.3769%2,327
Noninterest income to average assets0.6700%1,396
Noninterest expense to average assets2.5690%1,907
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets1.0812%2,257
Return on assets (ROA)1.0742%2,223
Pretax return on assets1.1476%2,613
Return on Equity (ROE)11.2200%2,402
Retained earnings to average equity (ytd only)3.4713%3,572
Net charge-offs to loans-0.0708%4,432
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio68.9841%1,826
Assets per employee ($millions)6.4435%2,384
Cash dividends to net income (ytd only)*69.0608%692
Condition Ratios (%)
Loss allowance to loans1.1422%2,689
Loan loss allowance to noncurrent loans43.9627%3,746
Noncurrent assets plus other real estate owned to assets1.7410%160
Noncurrent loans to loans2.5981%176
Net loans and leases to total assets66.2500%2,010
Net loans and leases to deposits73.9948%2,258
Net loans and leases to core deposits76.4408%2,390
Total domestic deposits to total assets89.5300%1,544
Equity capital to assets8.5237%2,692
Core capital (leverage) ratio10.4838%2,206
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$134,799,8003,589
Average earning assets$121,766,8003,596
Average equity$12,906,0003,581
Average total loans$86,161,4003,333
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8013%1,761
Cost of funding earning assets0.4138%1,199
Net interest margin3.3875%2,016
Noninterest income to average assets0.7800%1,070
Noninterest expense to average assets2.4329%2,216
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.2961%1,364
Return on assets (ROA)1.2886%1,361
Pretax return on assets1.3868%1,757
Return on Equity (ROE)13.0800%1,673
Retained earnings to average equity (ytd only)13.0770%598
Net charge-offs to loans-0.0143%3,856
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio63.5602%2,615
Assets per employee ($millions)5.8304%2,905
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.1770%2,653
Loan loss allowance to noncurrent loans41.4028%3,838
Noncurrent assets plus other real estate owned to assets1.9851%134
Noncurrent loans to loans2.8428%172
Net loans and leases to total assets64.6800%2,015
Net loans and leases to deposits73.1667%2,112
Net loans and leases to core deposits75.6887%2,220
Total domestic deposits to total assets88.4000%2,307
Equity capital to assets9.3803%1,964
Core capital (leverage) ratio11.4153%1,483
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$133,060,5003,625
Average earning assets$119,849,7503,647
Average equity$13,111,7503,601
Average total loans$83,953,2503,367
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7579%1,404
Cost of funding earning assets0.3756%1,078
Net interest margin3.3823%1,658
Noninterest income to average assets0.9615%728
Noninterest expense to average assets2.3841%2,282
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.5109%691
Return on assets (ROA)1.5025%682
Pretax return on assets1.6080%917
Return on Equity (ROE)15.0045%892
Retained earnings to average equity (ytd only)15.0045%265
Net charge-offs to loans-0.0242%3,960
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.5857%3,350
Assets per employee ($millions)6.0505%2,698
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.1952%2,702
Loan loss allowance to noncurrent loans39.4506%3,883
Noncurrent assets plus other real estate owned to assets2.0945%127
Noncurrent loans to loans3.0297%165
Net loans and leases to total assets64.2143%1,887
Net loans and leases to deposits74.1184%1,861
Net loans and leases to core deposits75.7157%2,041
Total domestic deposits to total assets86.6376%3,062
Equity capital to assets9.7872%1,828
Core capital (leverage) ratio11.3725%1,399
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$132,714,0003,671
Average earning assets$119,268,3333,708
Average equity$13,289,3333,657
Average total loans$82,682,0003,416
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5382%1,675
Cost of funding earning assets0.3860%950
Net interest margin3.1522%2,018
Noninterest income to average assets0.4437%2,420
Noninterest expense to average assets2.2790%2,579
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.8986%2,272
Return on assets (ROA)0.8874%2,322
Pretax return on assets0.9629%2,568
Return on Equity (ROE)8.7630%2,409
Retained earnings to average equity (ytd only)8.7630%1,342
Net charge-offs to loans-0.0198%3,902
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.0371%2,224
Assets per employee ($millions)5.9871%2,825
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.3147%2,280
Loan loss allowance to noncurrent loans32.4290%3,962
Noncurrent assets plus other real estate owned to assets2.5335%93
Noncurrent loans to loans4.0542%95
Net loans and leases to total assets58.5829%2,237
Net loans and leases to deposits65.4706%2,382
Net loans and leases to core deposits66.8506%2,553
Total domestic deposits to total assets89.4796%1,826
Equity capital to assets9.8181%2,040
Core capital (leverage) ratio10.9519%1,541
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$132,515,0003,698
Average earning assets$118,138,5003,740
Average equity$13,420,0003,717
Average total loans$80,767,5003,447
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4891%2,687
Cost of funding earning assets0.4368%1,277
Net interest margin3.0522%3,046
Noninterest income to average assets0.4358%2,880
Noninterest expense to average assets2.4063%2,476
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.7235%3,560
Return on assets (ROA)0.7039%3,672
Pretax return on assets0.7727%3,781
Return on Equity (ROE)6.7428%3,591
Retained earnings to average equity (ytd only)-0.1236%4,511
Net charge-offs to loans0.0113%2,137
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)123.1111%765
Efficiency ratio75.1848%1,189
Assets per employee ($millions)5.3326%3,435
Cash dividends to net income (ytd only)*101.8330%183
Condition Ratios (%)
Loss allowance to loans1.2286%2,739
Loan loss allowance to noncurrent loans33.1821%4,010
Noncurrent assets plus other real estate owned to assets2.3148%122
Noncurrent loans to loans3.7027%127
Net loans and leases to total assets61.7490%1,972
Net loans and leases to deposits69.5929%2,168
Net loans and leases to core deposits71.0445%2,351
Total domestic deposits to total assets88.7289%1,651
Equity capital to assets10.4325%2,237
Core capital (leverage) ratio9.9166%2,447
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$139,506,2003,588
Average earning assets$126,365,8003,615
Average equity$14,563,6003,683
Average total loans$79,403,8003,489
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4212%3,043
Cost of funding earning assets0.4435%1,397
Net interest margin2.9776%3,364
Noninterest income to average assets0.4121%3,021
Noninterest expense to average assets2.0739%3,442
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.0407%2,766
Return on assets (ROA)1.0180%2,904
Pretax return on assets1.0190%3,397
Return on Equity (ROE)9.7502%2,825
Retained earnings to average equity (ytd only)9.7502%1,395
Net charge-offs to loans0.0204%1,642
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)91.8333%914
Efficiency ratio66.5655%2,026
Assets per employee ($millions)6.2956%2,424
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.3086%2,445
Loan loss allowance to noncurrent loans31.7179%4,112
Noncurrent assets plus other real estate owned to assets2.3241%141
Noncurrent loans to loans4.1258%122
Net loans and leases to total assets55.5945%2,776
Net loans and leases to deposits63.0326%2,952
Net loans and leases to core deposits64.3098%3,108
Total domestic deposits to total assets88.1995%1,716
Equity capital to assets10.9723%2,040
Core capital (leverage) ratio11.0951%1,617
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$141,054,2503,619
Average earning assets$128,062,2503,633
Average equity$14,727,5003,711
Average total loans$78,418,7503,549
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3358%3,341
Cost of funding earning assets0.4508%1,511
Net interest margin2.8850%3,610
Noninterest income to average assets0.4059%3,079
Noninterest expense to average assets1.8703%4,039
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.1768%2,268
Return on assets (ROA)1.1543%2,411
Pretax return on assets1.1557%3,042
Return on Equity (ROE)11.2415%2,324
Retained earnings to average equity (ytd only)11.2415%1,068
Net charge-offs to loans-0.0535%4,401
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3500%2,821
Assets per employee ($millions)6.4090%2,230
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.3238%2,320
Loan loss allowance to noncurrent loans29.7153%4,169
Noncurrent assets plus other real estate owned to assets2.6355%121
Noncurrent loans to loans4.4548%108
Net loans and leases to total assets58.3767%2,613
Net loans and leases to deposits66.3195%2,794
Net loans and leases to core deposits67.8410%2,973
Total domestic deposits to total assets88.0234%1,808
Equity capital to assets11.1020%1,911
Core capital (leverage) ratio10.5190%1,941
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$141,904,6673,612
Average earning assets$129,982,0003,627
Average equity$14,571,0003,731
Average total loans$78,551,3333,569
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1629%3,751
Cost of funding earning assets0.4463%1,752
Net interest margin2.7165%3,926
Noninterest income to average assets0.3902%3,146
Noninterest expense to average assets1.6048%4,526
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.2943%1,844
Return on assets (ROA)1.2778%1,971
Pretax return on assets1.2778%2,632
Return on Equity (ROE)12.9297%1,689
Retained earnings to average equity (ytd only)12.9297%926
Net charge-offs to loans-0.0872%4,592
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.3555%3,625
Assets per employee ($millions)7.9446%1,221
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.3328%2,282
Loan loss allowance to noncurrent loans29.6862%4,216
Noncurrent assets plus other real estate owned to assets2.4734%169
Noncurrent loans to loans4.4896%107
Net loans and leases to total assets54.3573%3,205
Net loans and leases to deposits61.0861%3,399
Net loans and leases to core deposits62.3887%3,551
Total domestic deposits to total assets88.9848%1,350
Equity capital to assets10.2117%2,511
Core capital (leverage) ratio10.1956%2,336
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$145,563,0003,572
Average earning assets$134,435,5003,583
Average equity$14,385,5003,757
Average total loans$78,016,0003,606
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5666%3,886
Cost of funding earning assets0.6487%1,997
Net interest margin2.9179%4,079
Noninterest income to average assets0.5439%2,448
Noninterest expense to average assets2.0171%4,105
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets1.2411%1,412
Return on assets (ROA)1.2345%1,537
Pretax return on assets1.2352%2,206
Return on Equity (ROE)11.6999%1,411
Retained earnings to average equity (ytd only)4.7149%2,407
Net charge-offs to loans-0.0517%4,675
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.8951%3,155
Assets per employee ($millions)8.2291%957
Cash dividends to net income (ytd only)*59.7015%1,374
Condition Ratios (%)
Loss allowance to loans1.3372%2,244
Loan loss allowance to noncurrent loans27.0631%4,314
Noncurrent assets plus other real estate owned to assets2.6620%159
Noncurrent loans to loans4.9411%94
Net loans and leases to total assets51.4549%3,708
Net loans and leases to deposits57.4442%3,920
Net loans and leases to core deposits58.7917%4,006
Total domestic deposits to total assets89.5736%745
Equity capital to assets9.5650%3,543
Core capital (leverage) ratio9.9654%2,645
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$135,687,4003,561
Average earning assets$126,254,0003,553
Average equity$14,316,4003,716
Average total loans$79,350,0003,564
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7324%3,718
Cost of funding earning assets0.7058%1,994
Net interest margin3.0266%3,911
Noninterest income to average assets0.5179%2,532
Noninterest expense to average assets1.7871%4,518
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets1.5417%829
Return on assets (ROA)1.5377%916
Pretax return on assets1.5387%1,361
Return on Equity (ROE)14.2029%838
Retained earnings to average equity (ytd only)14.2029%244
Net charge-offs to loans-0.0601%4,715
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.6696%4,187
Assets per employee ($millions)7.3613%1,292
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.2731%2,278
Loan loss allowance to noncurrent loans24.6346%4,366
Noncurrent assets plus other real estate owned to assets3.2445%124
Noncurrent loans to loans5.1678%100
Net loans and leases to total assets60.1662%3,212
Net loans and leases to deposits68.5952%3,423
Net loans and leases to core deposits70.4382%3,596
Total domestic deposits to total assets87.7120%1,336
Equity capital to assets11.3620%2,108
Core capital (leverage) ratio10.8565%1,990
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$132,578,2503,584
Average earning assets$123,169,7503,577
Average equity$14,353,5003,717
Average total loans$79,875,0003,575
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1831%2,817
Cost of funding earning assets0.7669%2,011
Net interest margin3.4162%3,049
Noninterest income to average assets0.4645%2,740
Noninterest expense to average assets1.7707%4,601
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.8838%412
Return on assets (ROA)1.8808%462
Pretax return on assets1.8823%693
Return on Equity (ROE)17.6633%403
Retained earnings to average equity (ytd only)17.6633%126
Net charge-offs to loans-0.0779%4,799
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.4323%4,596
Assets per employee ($millions)7.2620%1,293
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.2195%2,418
Loan loss allowance to noncurrent loans53.7855%3,994
Noncurrent assets plus other real estate owned to assets1.4551%654
Noncurrent loans to loans2.2674%545
Net loans and leases to total assets63.3901%2,951
Net loans and leases to deposits72.2522%3,233
Net loans and leases to core deposits74.1585%3,449
Total domestic deposits to total assets87.7345%1,312
Equity capital to assets11.3268%2,107
Core capital (leverage) ratio10.5256%2,339
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$132,603,3333,568
Average earning assets$123,880,6673,548
Average equity$14,119,6673,749
Average total loans$79,583,3333,583
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0005%3,786
Cost of funding earning assets0.9047%1,838
Net interest margin3.0958%4,107
Noninterest income to average assets0.3385%3,490
Noninterest expense to average assets1.6833%4,790
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.5455%704
Return on assets (ROA)1.5425%779
Pretax return on assets1.5425%1,202
Return on Equity (ROE)14.9530%553
Retained earnings to average equity (ytd only)14.9530%195
Net charge-offs to loans-0.0723%4,742
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.1336%4,544
Assets per employee ($millions)8.1302%703
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.2993%2,160
Loan loss allowance to noncurrent loans105.6723%3,155
Noncurrent assets plus other real estate owned to assets0.6888%1,937
Noncurrent loans to loans1.2295%1,328
Net loans and leases to total assets55.2929%3,887
Net loans and leases to deposits62.2664%4,085
Net loans and leases to core deposits63.7988%4,180
Total domestic deposits to total assets88.8006%755
Equity capital to assets10.2139%3,593
Core capital (leverage) ratio10.5037%2,945
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$133,547,0003,540
Average earning assets$124,683,5003,513
Average equity$13,776,5003,800
Average total loans$77,433,0003,619
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2465%3,693
Cost of funding earning assets1.1109%1,285
Net interest margin3.1357%4,313
Noninterest income to average assets0.3653%3,512
Noninterest expense to average assets1.8815%4,682
Loan and lease loss provision to assets0.0426%3,157
Net operating income to assets1.3993%1,346
Return on assets (ROA)1.3962%1,427
Pretax return on assets1.3962%2,178
Return on Equity (ROE)13.6036%984
Retained earnings to average equity (ytd only)6.8169%1,471
Net charge-offs to loans-0.0165%4,589
Credit loss provision to net charge-offs-423.0769%4,395
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.6139%4,130
Assets per employee ($millions)7.5812%836
Cash dividends to net income (ytd only)*49.8891%2,060
Condition Ratios (%)
Loss allowance to loans1.2810%2,026
Loan loss allowance to noncurrent loans178.0969%2,294
Noncurrent assets plus other real estate owned to assets0.4322%2,662
Noncurrent loans to loans0.7193%2,081
Net loans and leases to total assets59.3152%3,649
Net loans and leases to deposits68.2024%3,805
Net loans and leases to core deposits70.0247%3,960
Total domestic deposits to total assets86.9694%1,622
Equity capital to assets10.4251%3,515
Core capital (leverage) ratio9.7516%3,788
Tier 1 risk-based capital ratio18.6315%1,605
Total risk-based capital ratio19.8837%1,574
Memoranda:
Average total assets$129,207,6003,573
Average earning assets$121,888,6003,537
Average equity$13,261,2003,862
Average total loans$78,687,4003,624
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2213%3,877
Cost of funding earning assets1.0955%1,373
Net interest margin3.1259%4,433
Noninterest income to average assets0.3548%3,602
Noninterest expense to average assets1.6892%4,931
Loan and lease loss provision to assets0.0412%3,078
Net operating income to assets1.5758%983
Return on assets (ROA)1.5737%1,044
Pretax return on assets1.5737%1,725
Return on Equity (ROE)15.3934%698
Retained earnings to average equity (ytd only)15.3934%127
Net charge-offs to loans-0.0169%4,542
Credit loss provision to net charge-offs-400.0000%4,286
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.0917%4,664
Assets per employee ($millions)8.1339%658
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.2600%2,174
Loan loss allowance to noncurrent loans99.3878%3,334
Noncurrent assets plus other real estate owned to assets0.7087%1,933
Noncurrent loans to loans1.2678%1,232
Net loans and leases to total assets55.1990%4,092
Net loans and leases to deposits66.1785%4,052
Net loans and leases to core deposits68.8232%4,117
Total domestic deposits to total assets83.4093%3,020
Equity capital to assets10.1739%3,850
Core capital (leverage) ratio10.1741%3,452
Tier 1 risk-based capital ratio19.0084%1,566
Total risk-based capital ratio20.2591%1,540
Memoranda:
Average total assets$129,289,2503,613
Average earning assets$122,075,5003,571
Average equity$13,217,5003,903
Average total loans$78,999,7503,657
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1872%3,956
Cost of funding earning assets1.0610%1,449
Net interest margin3.1261%4,492
Noninterest income to average assets0.3531%3,576
Noninterest expense to average assets1.7436%4,935
Loan and lease loss provision to assets0.0396%3,026
Net operating income to assets1.5234%1,084
Return on assets (ROA)1.5218%1,133
Pretax return on assets1.5218%1,788
Return on Equity (ROE)14.8601%788
Retained earnings to average equity (ytd only)14.8601%179
Net charge-offs to loans-0.0176%4,509
Credit loss provision to net charge-offs-357.1429%4,073
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.7299%4,594
Assets per employee ($millions)8.0078%671
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.1523%2,775
Loan loss allowance to noncurrent loans151.0269%2,631
Noncurrent assets plus other real estate owned to assets0.5017%2,539
Noncurrent loans to loans0.7630%2,075
Net loans and leases to total assets60.2401%3,710
Net loans and leases to deposits72.4896%3,642
Net loans and leases to core deposits76.2010%3,710
Total domestic deposits to total assets83.1017%3,167
Equity capital to assets9.9293%4,028
Core capital (leverage) ratio9.9696%3,610
Tier 1 risk-based capital ratio17.4507%1,955
Total risk-based capital ratio18.6912%1,916
Memoranda:
Average total assets$126,293,6703,674
Average earning assets$119,317,0003,630
Average equity$12,934,0003,944
Average total loans$79,566,0003,666
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0316%4,300
Cost of funding earning assets0.8792%2,102
Net interest margin3.1524%4,495
Noninterest income to average assets0.3361%3,611
Noninterest expense to average assets1.8521%4,861
Loan and lease loss provision to assets0.0330%2,968
Net operating income to assets1.4138%1,340
Return on assets (ROA)1.4138%1,366
Pretax return on assets1.4171%2,023
Return on Equity (ROE)13.5733%1,062
Retained earnings to average equity (ytd only)13.5733%395
Net charge-offs to loans-0.0257%4,590
Credit loss provision to net charge-offs-200.0000%3,626
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.0878%4,324
Assets per employee ($millions)7.8143%720
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.2088%2,529
Loan loss allowance to noncurrent loans124.3709%3,005
Noncurrent assets plus other real estate owned to assets0.9206%1,522
Noncurrent loans to loans0.9719%1,719
Net loans and leases to total assets57.7689%3,914
Net loans and leases to deposits65.7691%4,072
Net loans and leases to core deposits69.0287%4,129
Total domestic deposits to total assets87.8360%1,429
Equity capital to assets9.6949%4,096
Core capital (leverage) ratio11.5663%2,091
Tier 1 risk-based capital ratio17.9270%1,811
Total risk-based capital ratio19.1777%1,776
Memoranda:
Average total assets$121,374,5003,781
Average earning assets$114,198,5003,744
Average equity$12,642,5003,990
Average total loans$77,868,0003,737
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5473%2,311
Cost of funding earning assets0.7192%1,964
Net interest margin3.8280%2,568
Noninterest income to average assets0.4003%3,443
Noninterest expense to average assets2.5070%3,595
Loan and lease loss provision to assets0.0502%3,183
Net operating income to assets1.4035%1,425
Return on assets (ROA)1.3764%1,502
Pretax return on assets1.3774%2,216
Return on Equity (ROE)11.0164%2,076
Retained earnings to average equity (ytd only)4.5928%2,999
Net charge-offs to loans0.0832%1,948
Credit loss provision to net charge-offs79.3651%2,874
Earnings coverage of net charge-offs (x)23.0159%1,871
Efficiency ratio63.2818%3,289
Assets per employee ($millions)6.4651%1,233
Cash dividends to net income (ytd only)*58.3090%1,575
Condition Ratios (%)
Loss allowance to loans1.1838%2,656
Loan loss allowance to noncurrent loans194.1176%2,292
Noncurrent assets plus other real estate owned to assets0.8589%1,628
Noncurrent loans to loans0.6098%2,451
Net loans and leases to total assets70.1791%2,540
Net loans and leases to deposits82.0132%2,728
Net loans and leases to core deposits87.0317%2,836
Total domestic deposits to total assets85.5704%2,408
Equity capital to assets11.2878%2,426
Core capital (leverage) ratio12.1532%1,640
Tier 1 risk-based capital ratio17.1843%2,001
Total risk-based capital ratio18.4339%1,947
Memoranda:
Average total assets$99,679,2004,104
Average earning assets$92,737,0004,085
Average equity$12,454,2003,966
Average total loans$75,763,0003,756
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6284%1,906
Cost of funding earning assets0.6771%1,988
Net interest margin3.9513%2,126
Noninterest income to average assets0.4077%3,436
Noninterest expense to average assets2.1608%4,407
Loan and lease loss provision to assets0.0686%2,605
Net operating income to assets1.8382%567
Return on assets (ROA)1.8341%571
Pretax return on assets1.8354%932
Return on Equity (ROE)14.2889%1,040
Retained earnings to average equity (ytd only)14.2889%224
Net charge-offs to loans0.1259%1,256
Credit loss provision to net charge-offs70.4225%2,635
Earnings coverage of net charge-offs (x)19.5784%2,001
Efficiency ratio53.1039%4,699
Assets per employee ($millions)5.9688%1,511
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.1557%2,873
Loan loss allowance to noncurrent loans172.1805%2,501
Noncurrent assets plus other real estate owned to assets1.0052%1,445
Noncurrent loans to loans0.6712%2,400
Net loans and leases to total assets77.2088%1,465
Net loans and leases to deposits96.9856%1,041
Net loans and leases to core deposits103.6077%1,481
Total domestic deposits to total assets79.6086%4,194
Equity capital to assets12.9310%1,364
Core capital (leverage) ratio13.2499%1,189
Tier 1 risk-based capital ratio18.0690%1,772
Total risk-based capital ratio19.3182%1,726
Memoranda:
Average total assets$97,122,5004,190
Average earning assets$89,993,5004,189
Average equity$12,466,2503,990
Average total loans$75,190,0003,807
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5854%1,821
Cost of funding earning assets0.6289%2,054
Net interest margin3.9565%2,012
Noninterest income to average assets0.4160%3,380
Noninterest expense to average assets2.2159%4,335
Loan and lease loss provision to assets0.1045%1,862
Net operating income to assets1.7497%653
Return on assets (ROA)1.7455%662
Pretax return on assets1.7476%1,100
Return on Equity (ROE)13.6349%1,172
Retained earnings to average equity (ytd only)13.6349%311
Net charge-offs to loans0.2032%785
Credit loss provision to net charge-offs66.6667%2,382
Earnings coverage of net charge-offs (x)11.8400%2,241
Efficiency ratio54.4148%4,647
Assets per employee ($millions)5.8269%1,613
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.1633%2,910
Loan loss allowance to noncurrent loans1,232.4324%499
Noncurrent assets plus other real estate owned to assets0.9964%1,509
Noncurrent loans to loans0.0944%4,492
Net loans and leases to total assets78.2247%1,276
Net loans and leases to deposits100.5124%774
Net loans and leases to core deposits104.1548%1,384
Total domestic deposits to total assets77.8259%4,617
Equity capital to assets12.7593%1,417
Core capital (leverage) ratio13.1018%1,183
Tier 1 risk-based capital ratio17.7689%1,869
Total risk-based capital ratio19.0191%1,829
Memoranda:
Average total assets$95,673,6704,254
Average earning assets$88,411,6704,246
Average equity$12,248,0004,046
Average total loans$73,833,6703,853
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5568%1,697
Cost of funding earning assets0.5916%2,108
Net interest margin3.9652%1,829
Noninterest income to average assets0.4128%3,374
Noninterest expense to average assets2.2260%4,355
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.8344%525
Return on assets (ROA)1.8514%512
Pretax return on assets1.8557%811
Return on Equity (ROE)14.4368%920
Retained earnings to average equity (ytd only)14.4368%371
Net charge-offs to loans0.4416%344
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)5.4684%2,236
Efficiency ratio54.7644%4,710
Assets per employee ($millions)5.5366%1,906
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.1772%2,954
Loan loss allowance to noncurrent loans369.8276%1,398
Noncurrent assets plus other real estate owned to assets1.2484%1,199
Noncurrent loans to loans0.3183%3,627
Net loans and leases to total assets76.5262%1,451
Net loans and leases to deposits89.4902%1,749
Net loans and leases to core deposits92.6608%2,246
Total domestic deposits to total assets85.5135%2,745
Equity capital to assets13.0055%1,239
Core capital (leverage) ratio13.1797%1,113
Tier 1 risk-based capital ratio18.7134%1,627
Total risk-based capital ratio19.9636%1,587
Memoranda:
Average total assets$93,982,0004,327
Average earning assets$86,552,0004,334
Average equity$12,052,5004,113
Average total loans$71,551,0003,936
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4263%1,954
Cost of funding earning assets0.5441%1,994
Net interest margin3.8823%2,143
Noninterest income to average assets0.4639%3,225
Noninterest expense to average assets2.5195%3,713
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets1.5311%749
Return on assets (ROA)1.5257%766
Pretax return on assets1.5268%1,535
Return on Equity (ROE)11.8601%1,248
Retained earnings to average equity (ytd only)5.1357%2,040
Net charge-offs to loans-0.0813%5,319
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.1831%3,908
Assets per employee ($millions)5.5201%1,913
Cash dividends to net income (ytd only)*56.6974%1,927
Condition Ratios (%)
Loss allowance to loans1.3345%2,056
Loan loss allowance to noncurrent loans574.8466%980
Noncurrent assets plus other real estate owned to assets1.6634%784
Noncurrent loans to loans0.2321%3,972
Net loans and leases to total assets73.8252%1,947
Net loans and leases to deposits86.4356%2,205
Net loans and leases to core deposits88.5049%2,684
Total domestic deposits to total assets85.4106%2,688
Equity capital to assets12.6425%1,430
Core capital (leverage) ratio12.6603%1,280
Tier 1 risk-based capital ratio18.7009%1,589
Total risk-based capital ratio19.9535%1,542
Memoranda:
Average total assets$92,480,0004,382
Average earning assets$85,465,6004,369
Average equity$11,897,0004,156
Average total loans$70,130,2003,955
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3940%1,978
Cost of funding earning assets0.5327%2,014
Net interest margin3.8614%2,181
Noninterest income to average assets0.4775%3,167
Noninterest expense to average assets2.3138%4,262
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.7394%539
Return on assets (ROA)1.7394%551
Pretax return on assets1.7408%1,021
Return on Equity (ROE)13.4615%944
Retained earnings to average equity (ytd only)13.4615%185
Net charge-offs to loans-0.0780%5,310
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0664%4,607
Assets per employee ($millions)5.4052%2,012
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.3048%2,336
Loan loss allowance to noncurrent loans342.3792%1,431
Noncurrent assets plus other real estate owned to assets1.8827%715
Noncurrent loans to loans0.3811%3,584
Net loans and leases to total assets75.8173%1,620
Net loans and leases to deposits94.9530%1,202
Net loans and leases to core deposits97.4418%1,935
Total domestic deposits to total assets79.8472%4,349
Equity capital to assets13.6373%1,105
Core capital (leverage) ratio13.3079%1,104
Tier 1 risk-based capital ratio19.5779%1,459
Total risk-based capital ratio20.8288%1,427
Memoranda:
Average total assets$92,139,5004,426
Average earning assets$85,356,5004,413
Average equity$11,905,2504,193
Average total loans$70,108,7503,991
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3533%1,965
Cost of funding earning assets0.5170%2,038
Net interest margin3.8363%2,148
Noninterest income to average assets0.4879%3,099
Noninterest expense to average assets2.2858%4,385
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.7566%495
Return on assets (ROA)1.7566%503
Pretax return on assets1.7588%924
Return on Equity (ROE)13.8501%839
Retained earnings to average equity (ytd only)13.8501%190
Net charge-offs to loans-0.0229%4,827
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.5147%4,763
Assets per employee ($millions)5.4767%1,890
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.2380%2,769
Loan loss allowance to noncurrent loans64.3012%4,282
Noncurrent assets plus other real estate owned to assets2.0246%628
Noncurrent loans to loans1.9254%896
Net loans and leases to total assets76.0859%1,536
Net loans and leases to deposits95.8955%1,091
Net loans and leases to core deposits98.4983%1,766
Total domestic deposits to total assets79.3425%4,549
Equity capital to assets13.0392%1,359
Core capital (leverage) ratio12.7710%1,267
Tier 1 risk-based capital ratio18.6841%1,670
Total risk-based capital ratio19.9352%1,636
Memoranda:
Average total assets$92,223,3304,458
Average earning assets$85,499,0004,440
Average equity$11,696,6704,243
Average total loans$69,949,0004,019
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2759%2,030
Cost of funding earning assets0.5257%1,896
Net interest margin3.7502%2,307
Noninterest income to average assets0.5055%2,943
Noninterest expense to average assets2.3882%4,151
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.5951%683
Return on assets (ROA)1.5994%697
Pretax return on assets1.6038%1,230
Return on Equity (ROE)12.7930%1,041
Retained earnings to average equity (ytd only)12.7930%394
Net charge-offs to loans-0.0348%5,004
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.8907%4,464
Assets per employee ($millions)5.4471%1,942
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.2978%2,549
Loan loss allowance to noncurrent loans36.2372%4,929
Noncurrent assets plus other real estate owned to assets3.2170%291
Noncurrent loans to loans3.5815%328
Net loans and leases to total assets72.7660%1,951
Net loans and leases to deposits85.4570%2,096
Net loans and leases to core deposits87.6263%2,582
Total domestic deposits to total assets85.1492%3,029
Equity capital to assets12.5938%1,467
Core capital (leverage) ratio12.8950%1,186
Tier 1 risk-based capital ratio19.4018%1,515
Total risk-based capital ratio20.6554%1,488
Memoranda:
Average total assets$91,783,0004,506
Average earning assets$85,222,5004,492
Average equity$11,475,0004,311
Average total loans$69,060,0004,076
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3642%1,934
Cost of funding earning assets0.5163%1,971
Net interest margin3.8479%2,147
Noninterest income to average assets0.9803%1,200
Noninterest expense to average assets2.5269%3,930
Loan and lease loss provision to assets0.0508%3,375
Net operating income to assets1.9662%344
Return on assets (ROA)1.9651%365
Pretax return on assets1.9662%541
Return on Equity (ROE)15.3006%587
Retained earnings to average equity (ytd only)4.5410%2,669
Net charge-offs to loans0.0484%3,072
Credit loss provision to net charge-offs136.3636%1,992
Earnings coverage of net charge-offs (x)54.2121%960
Efficiency ratio55.5969%5,099
Assets per employee ($millions)5.3509%2,002
Cash dividends to net income (ytd only)*70.3215%1,300
Condition Ratios (%)
Loss allowance to loans1.2598%2,760
Loan loss allowance to noncurrent loans97.3451%3,682
Noncurrent assets plus other real estate owned to assets1.5918%1,008
Noncurrent loans to loans1.2942%1,578
Net loans and leases to total assets75.8226%1,539
Net loans and leases to deposits89.0720%1,797
Net loans and leases to core deposits91.0750%2,395
Total domestic deposits to total assets85.1250%2,993
Equity capital to assets12.4092%1,569
Core capital (leverage) ratio12.1786%1,488
Tier 1 risk-based capital ratio18.1814%1,804
Total risk-based capital ratio19.4344%1,766
Memoranda:
Average total assets$88,647,8004,569
Average earning assets$82,122,8004,547
Average equity$11,385,2004,357
Average total loans$68,123,6004,089
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4545%1,680
Cost of funding earning assets0.5102%2,015
Net interest margin3.9443%1,837
Noninterest income to average assets1.1491%866
Noninterest expense to average assets2.2921%4,552
Loan and lease loss provision to assets0.0454%3,335
Net operating income to assets2.4632%163
Return on assets (ROA)2.4617%170
Pretax return on assets2.4617%232
Return on Equity (ROE)19.0013%295
Retained earnings to average equity (ytd only)14.0347%171
Net charge-offs to loans0.0059%3,701
Credit loss provision to net charge-offs1,000.0000%398
Earnings coverage of net charge-offs (x)552.3200%162
Efficiency ratio47.7452%5,603
Assets per employee ($millions)5.4618%1,888
Cash dividends to net income (ytd only)*26.1376%2,976
Condition Ratios (%)
Loss allowance to loans1.2933%2,723
Loan loss allowance to noncurrent loans30.4215%5,161
Noncurrent assets plus other real estate owned to assets3.7307%243
Noncurrent loans to loans4.2513%246
Net loans and leases to total assets73.5673%1,940
Net loans and leases to deposits90.3055%1,713
Net loans and leases to core deposits94.3025%2,166
Total domestic deposits to total assets81.4649%4,113
Equity capital to assets12.9541%1,508
Core capital (leverage) ratio13.3315%1,056
Tier 1 risk-based capital ratio19.4509%1,561
Total risk-based capital ratio20.7036%1,519
Memoranda:
Average total assets$88,068,5004,617
Average earning assets$81,533,2504,591
Average equity$11,409,5004,395
Average total loans$67,691,5004,131
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4244%1,760
Cost of funding earning assets0.5133%2,001
Net interest margin3.9111%1,943
Noninterest income to average assets1.5218%520
Noninterest expense to average assets2.3429%4,490
Loan and lease loss provision to assets0.0347%3,457
Net operating income to assets2.7569%102
Return on assets (ROA)2.7546%103
Pretax return on assets2.7546%150
Return on Equity (ROE)21.2615%181
Retained earnings to average equity (ytd only)13.6745%203
Net charge-offs to loans0.0566%2,383
Credit loss provision to net charge-offs78.9474%2,378
Earnings coverage of net charge-offs (x)63.5263%842
Efficiency ratio45.6306%5,768
Assets per employee ($millions)5.1673%2,124
Cash dividends to net income (ytd only)*35.6843%2,614
Condition Ratios (%)
Loss allowance to loans1.2225%3,236
Loan loss allowance to noncurrent loans336.1868%1,482
Noncurrent assets plus other real estate owned to assets0.8868%2,381
Noncurrent loans to loans0.3636%4,061
Net loans and leases to total assets79.4716%993
Net loans and leases to deposits98.4946%835
Net loans and leases to core deposits100.9034%1,567
Total domestic deposits to total assets80.6862%4,366
Equity capital to assets13.2177%1,379
Core capital (leverage) ratio13.2137%1,083
Tier 1 risk-based capital ratio18.3463%1,840
Total risk-based capital ratio19.5978%1,799
Memoranda:
Average total assets$86,474,3304,686
Average earning assets$79,875,6704,664
Average equity$11,203,3304,450
Average total loans$67,187,6704,168
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3546%1,950
Cost of funding earning assets0.5209%1,937
Net interest margin3.8337%2,160
Noninterest income to average assets2.5364%247
Noninterest expense to average assets2.4152%4,321
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets3.6555%62
Return on assets (ROA)3.6555%60
Pretax return on assets3.6555%87
Return on Equity (ROE)28.5104%61
Retained earnings to average equity (ytd only)13.0188%394
Net charge-offs to loans-0.0672%5,471
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.7849%5,969
Assets per employee ($millions)5.0591%2,279
Cash dividends to net income (ytd only)*54.3367%1,610
Condition Ratios (%)
Loss allowance to loans1.3271%2,771
Loan loss allowance to noncurrent loans308.4211%1,580
Noncurrent assets plus other real estate owned to assets0.9383%2,366
Noncurrent loans to loans0.4303%3,901
Net loans and leases to total assets75.9933%1,396
Net loans and leases to deposits89.5806%1,626
Net loans and leases to core deposits93.6791%2,024
Total domestic deposits to total assets84.8323%3,192
Equity capital to assets13.0062%1,404
Core capital (leverage) ratio13.0506%1,140
Tier 1 risk-based capital ratio19.2128%1,683
Total risk-based capital ratio20.4662%1,646
Memoranda:
Average total assets$85,789,5004,738
Average earning assets$79,088,5004,728
Average equity$10,999,5004,509
Average total loans$65,444,0004,232
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4773%1,672
Cost of funding earning assets0.4995%2,158
Net interest margin3.9778%1,792
Noninterest income to average assets0.5234%3,178
Noninterest expense to average assets2.7095%3,548
Loan and lease loss provision to assets0.2250%906
Net operating income to assets1.1629%1,689
Return on assets (ROA)1.1653%1,756
Pretax return on assets1.1653%2,792
Return on Equity (ROE)9.0343%2,438
Retained earnings to average equity (ytd only)3.5256%3,553
Net charge-offs to loans0.3318%895
Credit loss provision to net charge-offs91.3462%2,736
Earnings coverage of net charge-offs (x)5.6346%3,350
Efficiency ratio66.1272%3,886
Assets per employee ($millions)5.0338%2,330
Cash dividends to net income (ytd only)*60.9756%1,692
Condition Ratios (%)
Loss allowance to loans1.3426%2,700
Loan loss allowance to noncurrent loans304.5614%1,620
Noncurrent assets plus other real estate owned to assets0.9430%2,312
Noncurrent loans to loans0.4408%3,890
Net loans and leases to total assets74.5355%1,640
Net loans and leases to deposits87.7478%1,911
Net loans and leases to core deposits90.0165%2,403
Total domestic deposits to total assets84.9429%3,118
Equity capital to assets12.6358%1,540
Core capital (leverage) ratio12.0198%1,608
Tier 1 risk-based capital ratio18.7084%1,772
Total risk-based capital ratio19.9608%1,728
Memoranda:
Average total assets$84,443,4004,781
Average earning assets$75,872,0004,811
Average equity$10,891,8004,498
Average total loans$62,689,2004,305
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3958%1,929
Cost of funding earning assets0.4857%2,359
Net interest margin3.9101%2,000
Noninterest income to average assets0.6258%2,604
Noninterest expense to average assets2.3859%4,548
Loan and lease loss provision to assets0.2772%568
Net operating income to assets1.4575%995
Return on assets (ROA)1.4622%1,026
Pretax return on assets1.4622%1,794
Return on Equity (ROE)11.2784%1,602
Retained earnings to average equity (ytd only)11.2784%439
Net charge-offs to loans0.4566%552
Credit loss provision to net charge-offs82.1596%2,579
Earnings coverage of net charge-offs (x)5.1409%3,250
Efficiency ratio57.9008%5,130
Assets per employee ($millions)5.2117%2,048
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.3496%2,854
Loan loss allowance to noncurrent loans125.6296%3,165
Noncurrent assets plus other real estate owned to assets1.5136%1,486
Noncurrent loans to loans1.0743%2,334
Net loans and leases to total assets69.9613%2,389
Net loans and leases to deposits82.4751%2,590
Net loans and leases to core deposits84.5358%2,982
Total domestic deposits to total assets84.8271%3,086
Equity capital to assets12.8421%1,535
Core capital (leverage) ratio13.3250%1,083
Tier 1 risk-based capital ratio19.9623%1,562
Total risk-based capital ratio21.2156%1,521
Memoranda:
Average total assets$84,160,7504,844
Average earning assets$75,222,0004,887
Average equity$10,911,5004,552
Average total loans$62,198,7504,353
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4207%1,784
Cost of funding earning assets0.4876%2,373
Net interest margin3.9331%1,878
Noninterest income to average assets0.6168%2,642
Noninterest expense to average assets2.3851%4,599
Loan and lease loss provision to assets0.3870%318
Net operating income to assets1.3570%1,175
Return on assets (ROA)1.3546%1,228
Pretax return on assets1.3546%2,168
Return on Equity (ROE)10.4128%1,887
Retained earnings to average equity (ytd only)10.4128%600
Net charge-offs to loans-0.0484%5,535
Credit loss provision to net charge-offs-1,066.6667%5,365
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.7622%5,248
Assets per employee ($millions)4.9245%2,367
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.6535%1,735
Loan loss allowance to noncurrent loans82.7613%4,133
Noncurrent assets plus other real estate owned to assets1.7069%1,390
Noncurrent loans to loans1.9979%1,223
Net loans and leases to total assets75.3790%1,457
Net loans and leases to deposits91.3837%1,440
Net loans and leases to core deposits93.8699%1,970
Total domestic deposits to total assets82.4862%4,131
Equity capital to assets13.1419%1,328
Core capital (leverage) ratio12.9376%1,190
Tier 1 risk-based capital ratio19.6804%1,628
Total risk-based capital ratio20.9408%1,587
Memoranda:
Average total assets$82,681,3304,924
Average earning assets$73,835,0004,963
Average equity$10,756,0004,611
Average total loans$61,987,3304,405
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3151%2,050
Cost of funding earning assets0.4916%2,363
Net interest margin3.8235%2,156
Noninterest income to average assets0.6816%2,250
Noninterest expense to average assets2.2735%4,944
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.8159%470
Return on assets (ROA)1.8110%501
Pretax return on assets1.8110%848
Return on Equity (ROE)13.9942%880
Retained earnings to average equity (ytd only)13.9942%362
Net charge-offs to loans-0.0131%4,848
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.5952%5,548
Assets per employee ($millions)5.0546%2,281
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.4614%2,610
Loan loss allowance to noncurrent loans65.6805%4,564
Noncurrent assets plus other real estate owned to assets1.6940%1,485
Noncurrent loans to loans2.2250%1,131
Net loans and leases to total assets74.0383%1,491
Net loans and leases to deposits90.6746%1,324
Net loans and leases to core deposits92.1809%1,928
Total domestic deposits to total assets81.6527%4,623
Equity capital to assets13.4013%1,219
Core capital (leverage) ratio13.3467%1,032
Tier 1 risk-based capital ratio20.4088%1,536
Total risk-based capital ratio21.6628%1,509
Memoranda:
Average total assets$82,163,5004,983
Average earning assets$73,231,5005,020
Average equity$10,633,0004,668
Average total loans$60,898,0004,466
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3222%2,519
Cost of funding earning assets0.5634%2,113
Net interest margin3.7588%2,775
Noninterest income to average assets0.6694%2,452
Noninterest expense to average assets2.6080%4,185
Loan and lease loss provision to assets0.3670%509
Net operating income to assets1.0376%2,226
Return on assets (ROA)1.0717%2,135
Pretax return on assets1.0717%3,199
Return on Equity (ROE)8.3058%2,963
Retained earnings to average equity (ytd only)2.6363%4,368
Net charge-offs to loans0.4002%1,070
Credit loss provision to net charge-offs129.7414%1,839
Earnings coverage of net charge-offs (x)4.9655%3,531
Efficiency ratio64.9954%4,403
Assets per employee ($millions)5.2159%2,056
Cash dividends to net income (ytd only)*68.2594%1,375
Condition Ratios (%)
Loss allowance to loans1.4517%2,686
Loan loss allowance to noncurrent loans70.5414%4,501
Noncurrent assets plus other real estate owned to assets1.5266%1,780
Noncurrent loans to loans2.0580%1,334
Net loans and leases to total assets72.0696%1,901
Net loans and leases to deposits91.4238%1,353
Net loans and leases to core deposits91.8791%2,102
Total domestic deposits to total assets78.8303%5,284
Equity capital to assets12.4955%1,655
Core capital (leverage) ratio12.7518%1,226
Tier 1 risk-based capital ratio16.4373%2,741
Total risk-based capital ratio17.6905%2,689
Memoranda:
Average total assets$82,016,6005,012
Average earning assets$72,949,2005,071
Average equity$10,583,0004,640
Average total loans$57,970,4004,551
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3081%2,599
Cost of funding earning assets0.5803%2,016
Net interest margin3.7278%2,914
Noninterest income to average assets0.6858%2,401
Noninterest expense to average assets2.3725%4,906
Loan and lease loss provision to assets0.1502%1,655
Net operating income to assets1.4777%981
Return on assets (ROA)1.5234%930
Pretax return on assets1.5234%1,570
Return on Equity (ROE)11.7115%1,558
Retained earnings to average equity (ytd only)11.7115%438
Net charge-offs to loans0.0047%4,543
Credit loss provision to net charge-offs4,600.0000%84
Earnings coverage of net charge-offs (x)497.8652%152
Efficiency ratio59.3061%5,276
Assets per employee ($millions)4.9869%2,255
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.5576%2,467
Loan loss allowance to noncurrent loans65.6046%4,623
Noncurrent assets plus other real estate owned to assets1.7558%1,704
Noncurrent loans to loans2.3742%1,255
Net loans and leases to total assets71.7650%1,890
Net loans and leases to deposits85.6754%1,941
Net loans and leases to core deposits86.0953%2,656
Total domestic deposits to total assets83.7638%3,852
Equity capital to assets13.8925%1,043
Core capital (leverage) ratio13.6057%963
Tier 1 risk-based capital ratio18.2819%2,121
Total risk-based capital ratio19.5353%2,083
Memoranda:
Average total assets$81,657,2505,073
Average earning assets$72,605,5005,131
Average equity$10,621,7504,665
Average total loans$57,205,2504,618
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2925%2,604
Cost of funding earning assets0.5928%1,956
Net interest margin3.6996%2,966
Noninterest income to average assets0.6660%2,456
Noninterest expense to average assets2.3846%4,924
Loan and lease loss provision to assets0.2018%1,186
Net operating income to assets1.3564%1,169
Return on assets (ROA)1.4268%1,043
Pretax return on assets1.4268%1,795
Return on Equity (ROE)11.2158%1,660
Retained earnings to average equity (ytd only)11.2158%510
Net charge-offs to loans0.0211%3,791
Credit loss provision to net charge-offs1,383.3333%262
Earnings coverage of net charge-offs (x)106.8333%531
Efficiency ratio60.4809%5,222
Assets per employee ($millions)5.1151%2,075
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.5753%2,560
Loan loss allowance to noncurrent loans64.7101%4,669
Noncurrent assets plus other real estate owned to assets1.7106%1,910
Noncurrent loans to loans2.4345%1,289
Net loans and leases to total assets68.1724%2,385
Net loans and leases to deposits83.5100%2,082
Net loans and leases to core deposits84.6516%2,669
Total domestic deposits to total assets81.6339%4,770
Equity capital to assets13.1364%1,302
Core capital (leverage) ratio12.8753%1,212
Tier 1 risk-based capital ratio17.7507%2,327
Total risk-based capital ratio19.0038%2,298
Memoranda:
Average total assets$82,279,3305,102
Average earning assets$72,872,0005,162
Average equity$10,467,3304,707
Average total loans$56,884,3304,661
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2509%2,688
Cost of funding earning assets0.5924%2,047
Net interest margin3.6585%3,028
Noninterest income to average assets0.6497%2,465
Noninterest expense to average assets2.3370%5,104
Loan and lease loss provision to assets0.0145%3,639
Net operating income to assets1.5321%766
Return on assets (ROA)1.6776%614
Pretax return on assets1.6776%1,021
Return on Equity (ROE)13.4037%1,058
Retained earnings to average equity (ytd only)13.4037%442
Net charge-offs to loans0.1334%1,911
Credit loss provision to net charge-offs15.7895%2,549
Earnings coverage of net charge-offs (x)16.7895%1,493
Efficiency ratio60.1748%5,381
Assets per employee ($millions)4.9901%2,262
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4006%3,600
Loan loss allowance to noncurrent loans63.8468%4,708
Noncurrent assets plus other real estate owned to assets1.5944%2,208
Noncurrent loans to loans2.1937%1,658
Net loans and leases to total assets70.5364%1,793
Net loans and leases to deposits86.9250%1,473
Net loans and leases to core deposits88.1385%2,079
Total domestic deposits to total assets81.1463%5,193
Equity capital to assets13.1298%1,246
Core capital (leverage) ratio12.9665%1,179
Tier 1 risk-based capital ratio17.2554%2,570
Total risk-based capital ratio18.5066%2,531
Memoranda:
Average total assets$82,498,5005,149
Average earning assets$72,925,5005,208
Average equity$10,325,5004,760
Average total loans$56,983,5004,685
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0934%3,767
Cost of funding earning assets0.6371%2,320
Net interest margin3.4563%4,071
Noninterest income to average assets0.5942%3,129
Noninterest expense to average assets2.4850%4,816
Loan and lease loss provision to assets0.1330%2,650
Net operating income to assets1.0389%2,163
Return on assets (ROA)1.0248%2,288
Pretax return on assets1.0260%3,242
Return on Equity (ROE)8.4177%2,814
Retained earnings to average equity (ytd only)2.6191%4,393
Net charge-offs to loans0.1889%2,949
Credit loss provision to net charge-offs109.7087%2,193
Earnings coverage of net charge-offs (x)9.6796%2,471
Efficiency ratio67.9318%4,213
Assets per employee ($millions)5.3223%1,824
Cash dividends to net income (ytd only)*68.8863%1,359
Condition Ratios (%)
Loss allowance to loans1.4354%3,488
Loan loss allowance to noncurrent loans94.1176%3,769
Noncurrent assets plus other real estate owned to assets1.0416%3,337
Noncurrent loans to loans1.5251%2,606
Net loans and leases to total assets65.8016%2,722
Net loans and leases to deposits77.9484%2,728
Net loans and leases to core deposits78.9245%3,248
Total domestic deposits to total assets84.4168%4,006
Equity capital to assets11.9404%1,842
Core capital (leverage) ratio11.8346%1,730
Tier 1 risk-based capital ratio16.3633%2,927
Total risk-based capital ratio17.6144%2,878
Memoranda:
Average total assets$84,991,2005,117
Average earning assets$75,340,4005,169
Average equity$10,347,2004,775
Average total loans$54,527,0004,797
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0261%4,025
Cost of funding earning assets0.6449%2,407
Net interest margin3.3812%4,351
Noninterest income to average assets0.5933%3,187
Noninterest expense to average assets2.2099%5,582
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.3937%1,117
Return on assets (ROA)1.3780%1,197
Pretax return on assets1.3796%1,996
Return on Equity (ROE)11.2648%1,719
Retained earnings to average equity (ytd only)11.2648%529
Net charge-offs to loans-0.0074%5,836
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.2973%5,230
Assets per employee ($millions)5.1345%2,013
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.4784%3,546
Loan loss allowance to noncurrent loans104.7927%3,377
Noncurrent assets plus other real estate owned to assets1.0602%3,531
Noncurrent loans to loans1.4108%3,054
Net loans and leases to total assets65.6259%2,701
Net loans and leases to deposits78.9599%2,537
Net loans and leases to core deposits79.9908%3,134
Total domestic deposits to total assets83.1130%4,537
Equity capital to assets13.1269%1,276
Core capital (leverage) ratio12.9366%1,231
Tier 1 risk-based capital ratio18.0330%2,311
Total risk-based capital ratio19.2851%2,275
Memoranda:
Average total assets$84,950,0005,164
Average earning assets$75,670,7505,207
Average equity$10,392,0004,816
Average total loans$53,946,2504,858
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9627%4,251
Cost of funding earning assets0.6474%2,519
Net interest margin3.3153%4,512
Noninterest income to average assets0.6148%3,103
Noninterest expense to average assets2.1471%5,753
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.4229%1,031
Return on assets (ROA)1.4042%1,159
Pretax return on assets1.4066%1,910
Return on Equity (ROE)11.7529%1,566
Retained earnings to average equity (ytd only)11.7529%534
Net charge-offs to loans-0.0112%5,794
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.1043%5,474
Assets per employee ($millions)5.2282%1,861
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.4884%3,637
Loan loss allowance to noncurrent loans189.4614%2,076
Noncurrent assets plus other real estate owned to assets0.5344%4,924
Noncurrent loans to loans0.7856%4,342
Net loans and leases to total assets64.0076%2,911
Net loans and leases to deposits76.3951%2,821
Net loans and leases to core deposits77.3631%3,374
Total domestic deposits to total assets83.7850%4,417
Equity capital to assets12.5091%1,569
Core capital (leverage) ratio12.0772%1,577
Tier 1 risk-based capital ratio17.4462%2,534
Total risk-based capital ratio18.6977%2,503
Memoranda:
Average total assets$85,882,6705,160
Average earning assets$76,614,3305,210
Average equity$10,261,3304,884
Average total loans$53,687,6704,891
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8833%4,538
Cost of funding earning assets0.6585%2,576
Net interest margin3.2249%4,827
Noninterest income to average assets0.5839%3,228
Noninterest expense to average assets2.1012%5,914
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.3380%1,183
Return on assets (ROA)1.3196%1,333
Pretax return on assets1.3242%2,144
Return on Equity (ROE)11.2992%1,618
Retained earnings to average equity (ytd only)11.2992%818
Net charge-offs to loans-0.0075%5,359
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0147%5,442
Assets per employee ($millions)5.5256%1,647
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.5105%3,781
Loan loss allowance to noncurrent loans177.7533%2,080
Noncurrent assets plus other real estate owned to assets0.5803%4,940
Noncurrent loans to loans0.8498%4,420
Net loans and leases to total assets59.5170%3,514
Net loans and leases to deposits70.1484%3,458
Net loans and leases to core deposits70.9696%3,955
Total domestic deposits to total assets84.8445%4,123
Equity capital to assets11.6548%2,288
Core capital (leverage) ratio11.9222%1,612
Tier 1 risk-based capital ratio16.8722%2,820
Total risk-based capital ratio18.1236%2,785
Memoranda:
Average total assets$86,998,5005,170
Average earning assets$77,150,0005,234
Average equity$10,160,0004,953
Average total loans$53,355,5004,938
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3708%3,941
Cost of funding earning assets0.8210%2,504
Net interest margin3.5498%4,304
Noninterest income to average assets0.6135%3,211
Noninterest expense to average assets2.4705%5,186
Loan and lease loss provision to assets0.0951%4,479
Net operating income to assets1.1928%1,628
Return on assets (ROA)1.1649%1,874
Pretax return on assets1.1662%2,916
Return on Equity (ROE)9.0826%2,604
Retained earnings to average equity (ytd only)3.1527%4,012
Net charge-offs to loans0.0160%5,690
Credit loss provision to net charge-offs937.5000%271
Earnings coverage of net charge-offs (x)127.1250%316
Efficiency ratio65.7114%4,558
Assets per employee ($millions)5.3492%1,843
Cash dividends to net income (ytd only)*65.2884%1,546
Condition Ratios (%)
Loss allowance to loans1.5126%3,696
Loan loss allowance to noncurrent loans192.8230%1,903
Noncurrent assets plus other real estate owned to assets0.7116%4,700
Noncurrent loans to loans0.7845%4,612
Net loans and leases to total assets61.3166%3,369
Net loans and leases to deposits72.9300%3,260
Net loans and leases to core deposits73.8174%3,807
Total domestic deposits to total assets84.0759%4,281
Equity capital to assets11.7027%2,272
Core capital (leverage) ratio11.7771%1,681
Tier 1 risk-based capital ratio16.4846%2,901
Total risk-based capital ratio17.7361%2,869
Memoranda:
Average total assets$78,891,6005,386
Average earning assets$69,918,8005,434
Average equity$10,118,2004,959
Average total loans$49,902,4005,111
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4246%3,947
Cost of funding earning assets0.8570%2,484
Net interest margin3.5676%4,366
Noninterest income to average assets0.6440%3,022
Noninterest expense to average assets2.2740%5,759
Loan and lease loss provision to assets0.0777%4,667
Net operating income to assets1.4677%1,078
Return on assets (ROA)1.4383%1,269
Pretax return on assets1.4400%2,113
Return on Equity (ROE)10.9490%1,976
Retained earnings to average equity (ytd only)10.9490%692
Net charge-offs to loans0.0082%5,606
Credit loss provision to net charge-offs1,500.0000%181
Earnings coverage of net charge-offs (x)298.6600%154
Efficiency ratio59.5120%5,578
Assets per employee ($millions)4.9677%2,230
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.5112%3,906
Loan loss allowance to noncurrent loans197.7215%1,798
Noncurrent assets plus other real estate owned to assets0.9096%4,462
Noncurrent loans to loans0.7643%4,887
Net loans and leases to total assets64.0376%3,021
Net loans and leases to deposits78.6705%2,569
Net loans and leases to core deposits79.7265%3,235
Total domestic deposits to total assets81.3998%5,235
Equity capital to assets13.2947%1,442
Core capital (leverage) ratio13.3178%1,067
Tier 1 risk-based capital ratio18.2194%2,258
Total risk-based capital ratio19.4707%2,239
Memoranda:
Average total assets$77,217,7505,483
Average earning assets$68,765,2505,536
Average equity$10,143,7504,994
Average total loans$49,056,7505,200
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4437%4,010
Cost of funding earning assets0.8952%2,440
Net interest margin3.5485%4,473
Noninterest income to average assets0.6565%2,920
Noninterest expense to average assets2.2468%5,884
Loan and lease loss provision to assets0.0654%4,825
Net operating income to assets1.4935%1,005
Return on assets (ROA)1.4648%1,190
Pretax return on assets1.4674%1,966
Return on Equity (ROE)11.1970%1,921
Retained earnings to average equity (ytd only)11.1970%714
Net charge-offs to loans-0.0083%6,245
Credit loss provision to net charge-offs-1,250.0000%6,434
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.9973%5,732
Assets per employee ($millions)4.8443%2,367
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.4817%4,101
Loan loss allowance to noncurrent loans151.3834%2,223
Noncurrent assets plus other real estate owned to assets1.0244%4,332
Noncurrent loans to loans0.9788%4,557
Net loans and leases to total assets65.7106%2,730
Net loans and leases to deposits80.9559%2,232
Net loans and leases to core deposits81.6595%2,999
Total domestic deposits to total assets81.1684%5,405
Equity capital to assets13.2696%1,406
Core capital (leverage) ratio13.6705%908
Tier 1 risk-based capital ratio17.8737%2,333
Total risk-based capital ratio19.1256%2,301
Memoranda:
Average total assets$76,462,6705,532
Average earning assets$67,916,0005,592
Average equity$10,002,6705,030
Average total loans$48,182,3305,262
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4271%4,212
Cost of funding earning assets0.9521%2,292
Net interest margin3.4751%4,810
Noninterest income to average assets0.6163%3,124
Noninterest expense to average assets2.2386%5,946
Loan and lease loss provision to assets0.0527%4,752
Net operating income to assets1.3958%1,232
Return on assets (ROA)1.3695%1,432
Pretax return on assets1.3748%2,265
Return on Equity (ROE)10.5461%2,214
Retained earnings to average equity (ytd only)10.5461%1,155
Net charge-offs to loans0.0086%4,610
Credit loss provision to net charge-offs1,000.0000%338
Earnings coverage of net charge-offs (x)276.0000%121
Efficiency ratio60.6277%5,522
Assets per employee ($millions)4.6083%2,793
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.6152%3,669
Loan loss allowance to noncurrent loans75.8621%3,816
Noncurrent assets plus other real estate owned to assets1.5502%3,537
Noncurrent loans to loans2.1291%2,990
Net loans and leases to total assets61.7932%3,296
Net loans and leases to deposits77.2578%2,639
Net loans and leases to core deposits77.9624%3,329
Total domestic deposits to total assets79.9832%5,855
Equity capital to assets13.5787%1,206
Core capital (leverage) ratio13.2293%1,048
Tier 1 risk-based capital ratio19.0900%1,963
Total risk-based capital ratio20.3435%1,931
Memoranda:
Average total assets$75,940,0005,598
Average earning assets$67,222,0005,652
Average equity$9,861,5005,078
Average total loans$46,425,0005,362
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6429%4,485
Cost of funding earning assets1.1517%2,343
Net interest margin3.4912%5,174
Noninterest income to average assets0.6611%2,829
Noninterest expense to average assets2.5520%5,284
Loan and lease loss provision to assets0.7013%1,458
Net operating income to assets0.5325%4,299
Return on assets (ROA)0.5247%4,530
Pretax return on assets0.5260%4,916
Return on Equity (ROE)4.1657%4,770
Retained earnings to average equity (ytd only)1.5879%5,080
Net charge-offs to loans1.0913%1,580
Credit loss provision to net charge-offs106.7194%3,177
Earnings coverage of net charge-offs (x)1.8794%4,369
Efficiency ratio67.3868%4,491
Assets per employee ($millions)4.8842%2,341
Cash dividends to net income (ytd only)*61.8812%1,477
Condition Ratios (%)
Loss allowance to loans1.5879%3,634
Loan loss allowance to noncurrent loans82.1111%3,591
Noncurrent assets plus other real estate owned to assets1.4447%3,819
Noncurrent loans to loans1.9338%3,295
Net loans and leases to total assets58.6088%4,265
Net loans and leases to deposits72.8167%3,694
Net loans and leases to core deposits73.4391%4,311
Total domestic deposits to total assets80.4881%5,596
Equity capital to assets12.4266%1,840
Core capital (leverage) ratio12.1199%1,524
Tier 1 risk-based capital ratio18.1510%2,145
Total risk-based capital ratio19.4037%2,115
Memoranda:
Average total assets$76,998,6005,536
Average earning assets$68,944,2005,578
Average equity$9,698,2005,096
Average total loans$46,367,0005,408
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6604%4,634
Cost of funding earning assets1.2061%2,281
Net interest margin3.4543%5,376
Noninterest income to average assets0.6709%2,767
Noninterest expense to average assets2.4298%5,691
Loan and lease loss provision to assets0.8951%1,005
Net operating income to assets0.4554%4,747
Return on assets (ROA)0.4519%4,956
Pretax return on assets0.4536%5,308
Return on Equity (ROE)3.5757%5,186
Retained earnings to average equity (ytd only)3.5757%4,197
Net charge-offs to loans1.3873%1,090
Credit loss provision to net charge-offs106.8465%3,095
Earnings coverage of net charge-offs (x)1.6141%4,437
Efficiency ratio64.2463%5,025
Assets per employee ($millions)4.6572%2,681
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.5873%3,726
Loan loss allowance to noncurrent loans129.9296%2,331
Noncurrent assets plus other real estate owned to assets1.0803%4,602
Noncurrent loans to loans1.2216%4,506
Net loans and leases to total assets61.4064%3,871
Net loans and leases to deposits77.9718%3,002
Net loans and leases to core deposits79.0222%3,769
Total domestic deposits to total assets78.7546%6,034
Equity capital to assets13.2014%1,518
Core capital (leverage) ratio12.8207%1,288
Tier 1 risk-based capital ratio18.6050%2,061
Total risk-based capital ratio19.8576%2,016
Memoranda:
Average total assets$76,711,5005,588
Average earning assets$69,091,7505,611
Average equity$9,695,0005,127
Average total loans$46,323,7505,458
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5400%5,217
Cost of funding earning assets1.2359%2,349
Net interest margin3.3042%5,843
Noninterest income to average assets0.6947%2,579
Noninterest expense to average assets2.4224%5,774
Loan and lease loss provision to assets0.2453%3,453
Net operating income to assets1.0072%2,199
Return on assets (ROA)1.0072%2,297
Pretax return on assets1.0098%3,205
Return on Equity (ROE)8.0849%2,913
Retained earnings to average equity (ytd only)8.0849%1,436
Net charge-offs to loans-0.0346%6,952
Credit loss provision to net charge-offs-1,187.5000%6,615
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8708%4,899
Assets per employee ($millions)4.5831%2,717
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.7392%3,191
Loan loss allowance to noncurrent loans75.0232%3,731
Noncurrent assets plus other real estate owned to assets1.7919%3,521
Noncurrent loans to loans2.3182%3,076
Net loans and leases to total assets62.2542%3,839
Net loans and leases to deposits75.6337%3,540
Net loans and leases to core deposits76.6252%4,237
Total domestic deposits to total assets82.3101%5,058
Equity capital to assets13.5252%1,277
Core capital (leverage) ratio12.5393%1,341
Tier 1 risk-based capital ratio18.9492%1,865
Total risk-based capital ratio20.2040%1,824
Memoranda:
Average total assets$77,443,6705,609
Average earning assets$69,911,3305,632
Average equity$9,647,6705,138
Average total loans$46,266,6705,511
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4008%5,698
Cost of funding earning assets1.2741%2,338
Net interest margin3.1267%6,276
Noninterest income to average assets0.6692%2,730
Noninterest expense to average assets2.3698%5,984
Loan and lease loss provision to assets0.0503%5,369
Net operating income to assets1.0717%1,945
Return on assets (ROA)1.0717%1,994
Pretax return on assets1.0767%2,843
Return on Equity (ROE)8.9566%2,492
Retained earnings to average equity (ytd only)8.9566%1,392
Net charge-offs to loans-0.0260%6,659
Credit loss provision to net charge-offs-333.3333%5,886
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.7698%4,701
Assets per employee ($millions)4.9249%2,264
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.5757%3,843
Loan loss allowance to noncurrent loans58.8525%4,476
Noncurrent assets plus other real estate owned to assets1.8490%3,493
Noncurrent loans to loans2.6773%2,815
Net loans and leases to total assets56.9170%4,817
Net loans and leases to deposits67.8415%4,698
Net loans and leases to core deposits68.6378%5,210
Total domestic deposits to total assets83.8970%4,527
Equity capital to assets12.2159%1,781
Core capital (leverage) ratio12.0579%1,531
Tier 1 risk-based capital ratio18.3770%1,996
Total risk-based capital ratio19.6280%1,948
Memoranda:
Average total assets$79,500,5005,602
Average earning assets$71,896,0005,607
Average equity$9,512,5005,172
Average total loans$46,170,5005,553
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0478%4,329
Cost of funding earning assets1.5784%2,199
Net interest margin3.4694%5,367
Noninterest income to average assets0.5295%3,959
Noninterest expense to average assets2.5773%5,513
Loan and lease loss provision to assets0.0716%6,429
Net operating income to assets0.9992%2,045
Return on assets (ROA)0.9992%2,145
Pretax return on assets1.0005%2,931
Return on Equity (ROE)8.0404%2,685
Retained earnings to average equity (ytd only)2.8058%3,886
Net charge-offs to loans0.2821%4,609
Credit loss provision to net charge-offs40.7407%6,378
Earnings coverage of net charge-offs (x)6.1037%2,440
Efficiency ratio70.6239%4,050
Assets per employee ($millions)5.0126%2,142
Cash dividends to net income (ytd only)*65.1042%1,418
Condition Ratios (%)
Loss allowance to loans1.5073%3,966
Loan loss allowance to noncurrent loans214.9390%1,405
Noncurrent assets plus other real estate owned to assets0.7045%5,591
Noncurrent loans to loans0.7013%5,646
Net loans and leases to total assets57.4400%5,122
Net loans and leases to deposits68.0282%5,101
Net loans and leases to core deposits69.4569%5,496
Total domestic deposits to total assets84.4356%4,156
Equity capital to assets11.7192%2,111
Core capital (leverage) ratio11.8164%1,659
Tier 1 risk-based capital ratio17.5075%2,171
Total risk-based capital ratio18.7580%2,136
Memoranda:
Average total assets$76,862,0005,684
Average earning assets$69,119,2005,697
Average equity$9,551,8005,249
Average total loans$47,851,4005,568
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1450%4,097
Cost of funding earning assets1.6441%2,139
Net interest margin3.5010%5,286
Noninterest income to average assets0.5735%3,627
Noninterest expense to average assets2.3588%6,154
Loan and lease loss provision to assets0.0789%6,256
Net operating income to assets1.2785%1,387
Return on assets (ROA)1.2785%1,470
Pretax return on assets1.2802%2,229
Return on Equity (ROE)10.1353%2,075
Retained earnings to average equity (ytd only)10.1353%761
Net charge-offs to loans0.1274%5,278
Credit loss provision to net charge-offs97.8261%4,444
Earnings coverage of net charge-offs (x)16.8484%1,357
Efficiency ratio63.4434%5,355
Assets per employee ($millions)4.9202%2,293
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.6507%3,330
Loan loss allowance to noncurrent loans201.5424%1,436
Noncurrent assets plus other real estate owned to assets2.0172%3,445
Noncurrent loans to loans0.8190%5,580
Net loans and leases to total assets59.3359%5,033
Net loans and leases to deposits72.2264%4,809
Net loans and leases to core deposits73.8315%5,312
Total domestic deposits to total assets82.1526%4,934
Equity capital to assets12.6634%1,774
Core capital (leverage) ratio12.6767%1,347
Tier 1 risk-based capital ratio18.3644%1,913
Total risk-based capital ratio19.6353%1,869
Memoranda:
Average total assets$76,027,0005,772
Average earning assets$68,284,5005,787
Average equity$9,590,0005,318
Average total loans$48,121,0005,642
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2193%3,857
Cost of funding earning assets1.7200%2,013
Net interest margin3.4993%5,246
Noninterest income to average assets0.6096%3,265
Noninterest expense to average assets2.4145%6,026
Loan and lease loss provision to assets0.0799%6,139
Net operating income to assets1.2539%1,421
Return on assets (ROA)1.2539%1,483
Pretax return on assets1.2565%2,236
Return on Equity (ROE)9.9539%2,124
Retained earnings to average equity (ytd only)9.9539%856
Net charge-offs to loans0.2359%4,191
Credit loss provision to net charge-offs52.6316%5,362
Earnings coverage of net charge-offs (x)8.8070%2,095
Efficiency ratio64.3719%5,264
Assets per employee ($millions)4.7487%2,508
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.5776%3,547
Loan loss allowance to noncurrent loans89.9170%3,024
Noncurrent assets plus other real estate owned to assets2.9798%2,393
Noncurrent loans to loans1.7545%4,052
Net loans and leases to total assets62.2396%4,634
Net loans and leases to deposits76.0261%4,332
Net loans and leases to core deposits77.7626%4,992
Total domestic deposits to total assets81.8660%5,047
Equity capital to assets12.7667%1,665
Core capital (leverage) ratio12.1333%1,576
Tier 1 risk-based capital ratio17.8561%1,994
Total risk-based capital ratio19.1250%1,958
Memoranda:
Average total assets$75,128,3305,832
Average earning assets$67,442,0005,845
Average equity$9,463,6705,351
Average total loans$48,329,6705,676
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2649%3,708
Cost of funding earning assets1.8008%1,870
Net interest margin3.4641%5,316
Noninterest income to average assets0.6425%2,977
Noninterest expense to average assets2.4256%5,997
Loan and lease loss provision to assets0.0803%5,841
Net operating income to assets1.2315%1,461
Return on assets (ROA)1.2315%1,536
Pretax return on assets1.2369%2,245
Return on Equity (ROE)9.8443%2,156
Retained earnings to average equity (ytd only)9.8443%1,176
Net charge-offs to loans0.1155%4,285
Credit loss provision to net charge-offs107.1429%3,206
Earnings coverage of net charge-offs (x)17.5714%1,277
Efficiency ratio64.8069%5,341
Assets per employee ($millions)4.4061%3,115
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.6069%3,411
Loan loss allowance to noncurrent loans34.8868%6,059
Noncurrent assets plus other real estate owned to assets3.4639%2,038
Noncurrent loans to loans4.6059%1,615
Net loans and leases to total assets68.2700%3,315
Net loans and leases to deposits84.4932%2,858
Net loans and leases to core deposits86.1971%3,864
Total domestic deposits to total assets80.7995%5,522
Equity capital to assets13.4075%1,361
Core capital (leverage) ratio11.4403%1,947
Tier 1 risk-based capital ratio17.8163%1,994
Total risk-based capital ratio19.0693%1,963
Memoranda:
Average total assets$74,703,0005,916
Average earning assets$66,857,5005,940
Average equity$9,345,5005,441
Average total loans$48,471,0005,738
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3481%4,946
Cost of funding earning assets1.9243%3,335
Net interest margin3.4238%5,273
Noninterest income to average assets0.5724%3,838
Noninterest expense to average assets2.4211%6,403
Loan and lease loss provision to assets0.1547%6,123
Net operating income to assets1.0803%1,568
Return on assets (ROA)1.0803%1,616
Pretax return on assets1.0816%2,301
Return on Equity (ROE)9.2041%1,959
Retained earnings to average equity (ytd only)6.4583%1,167
Net charge-offs to loans-0.0143%7,771
Credit loss provision to net charge-offs-1,714.2857%7,474
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.1967%5,359
Assets per employee ($millions)4.9318%2,302
Cash dividends to net income (ytd only)*29.8329%3,328
Condition Ratios (%)
Loss allowance to loans1.6345%3,149
Loan loss allowance to noncurrent loans33.1643%6,234
Noncurrent assets plus other real estate owned to assets3.2405%2,118
Noncurrent loans to loans4.9285%1,381
Net loans and leases to total assets59.8697%5,361
Net loans and leases to deposits72.0548%5,317
Net loans and leases to core deposits81.9278%5,912
Total domestic deposits to total assets83.0892%4,485
Equity capital to assets11.7086%2,182
Core capital (leverage) ratio11.1171%2,160
Tier 1 risk-based capital ratio16.9816%2,151
Total risk-based capital ratio18.2340%2,121
Memoranda:
Average total assets$77,568,6005,793
Average earning assets$69,893,8005,815
Average equity$9,104,6005,579
Average total loans$49,078,6005,714
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4021%4,938
Cost of funding earning assets1.9734%3,500
Net interest margin3.4287%5,152
Noninterest income to average assets0.5800%3,853
Noninterest expense to average assets2.1596%7,079
Loan and lease loss provision to assets0.2072%5,326
Net operating income to assets1.3189%1,181
Return on assets (ROA)1.3189%1,252
Pretax return on assets1.3206%1,907
Return on Equity (ROE)11.2296%1,562
Retained earnings to average equity (ytd only)11.2296%446
Net charge-offs to loans-0.0189%7,759
Credit loss provision to net charge-offs-1,714.2857%7,359
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.5674%6,635
Assets per employee ($millions)4.8498%2,331
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.6236%2,901
Loan loss allowance to noncurrent loans35.9268%6,008
Noncurrent assets plus other real estate owned to assets3.1522%2,166
Noncurrent loans to loans4.5192%1,542
Net loans and leases to total assets61.2962%5,362
Net loans and leases to deposits71.3713%5,756
Net loans and leases to core deposits81.1645%6,257
Total domestic deposits to total assets85.8835%2,757
Equity capital to assets12.1693%2,146
Core capital (leverage) ratio11.7847%1,916
Tier 1 risk-based capital ratio17.4455%2,131
Total risk-based capital ratio18.6983%2,089
Memoranda:
Average total assets$77,233,7505,838
Average earning assets$69,995,2505,843
Average equity$9,071,0005,642
Average total loans$49,341,5005,749
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5300%4,443
Cost of funding earning assets2.0119%3,718
Net interest margin3.5180%4,713
Noninterest income to average assets0.5913%3,765
Noninterest expense to average assets2.1631%7,141
Loan and lease loss provision to assets0.3112%4,081
Net operating income to assets1.3072%1,214
Return on assets (ROA)1.3072%1,291
Pretax return on assets1.3098%1,995
Return on Equity (ROE)11.2663%1,626
Retained earnings to average equity (ytd only)11.2663%527
Net charge-offs to loans-0.1208%7,975
Credit loss provision to net charge-offs-400.0000%7,035
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1624%6,971
Assets per employee ($millions)4.2046%3,293
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.6195%2,661
Loan loss allowance to noncurrent loans33.9068%6,198
Noncurrent assets plus other real estate owned to assets3.9303%1,525
Noncurrent loans to loans4.7763%1,313
Net loans and leases to total assets72.9624%2,963
Net loans and leases to deposits86.7423%3,403
Net loans and leases to core deposits100.9025%4,412
Total domestic deposits to total assets84.1140%3,703
Equity capital to assets13.6058%1,460
Core capital (leverage) ratio10.9731%2,420
Tier 1 risk-based capital ratio17.3846%2,182
Total risk-based capital ratio18.6401%2,128
Memoranda:
Average total assets$77,112,6705,891
Average earning assets$69,982,0005,885
Average equity$8,947,0005,702
Average total loans$49,672,3305,783
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1649%6,427
Cost of funding earning assets1.8908%4,677
Net interest margin3.2742%5,600
Noninterest income to average assets0.5510%3,911
Noninterest expense to average assets1.9261%7,498
Loan and lease loss provision to assets0.3803%3,042
Net operating income to assets1.2288%1,573
Return on assets (ROA)1.2288%1,678
Pretax return on assets1.2337%2,501
Return on Equity (ROE)11.3976%1,848
Retained earnings to average equity (ytd only)11.3976%904
Net charge-offs to loans-0.0404%7,640
Credit loss provision to net charge-offs-1,560.0000%6,598
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.4077%7,176
Assets per employee ($millions)5.1591%1,877
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.4866%3,062
Loan loss allowance to noncurrent loans34.3373%6,249
Noncurrent assets plus other real estate owned to assets2.9305%1,941
Noncurrent loans to loans4.3294%1,349
Net loans and leases to total assets59.4876%5,735
Net loans and leases to deposits68.4405%6,138
Net loans and leases to core deposits77.2756%6,591
Total domestic deposits to total assets86.9187%2,259
Equity capital to assets10.8341%3,138
Core capital (leverage) ratio10.8646%2,610
Tier 1 risk-based capital ratio15.9009%2,724
Total risk-based capital ratio17.1528%2,666
Memoranda:
Average total assets$82,032,5005,749
Average earning assets$74,889,5005,735
Average equity$8,844,0005,756
Average total loans$49,562,5005,820
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2474%4,258
Cost of funding earning assets2.6151%3,607
Net interest margin3.6323%4,743
Noninterest income to average assets0.6618%3,393
Noninterest expense to average assets2.4229%6,320
Loan and lease loss provision to assets0.4783%2,911
Net operating income to assets1.0490%2,354
Return on assets (ROA)1.0490%2,250
Pretax return on assets1.0504%3,209
Return on Equity (ROE)8.7755%2,722
Retained earnings to average equity (ytd only)3.0919%3,236
Net charge-offs to loans0.5882%2,065
Credit loss provision to net charge-offs126.6187%4,218
Earnings coverage of net charge-offs (x)4.0468%4,127
Efficiency ratio61.3136%6,105
Assets per employee ($millions)5.0950%1,847
Cash dividends to net income (ytd only)*64.7668%2,426
Condition Ratios (%)
Loss allowance to loans1.3352%3,561
Loan loss allowance to noncurrent loans55.7627%5,191
Noncurrent assets plus other real estate owned to assets1.7677%2,766
Noncurrent loans to loans2.3945%2,294
Net loans and leases to total assets59.6443%5,964
Net loans and leases to deposits68.6054%6,408
Net loans and leases to core deposits78.1855%6,743
Total domestic deposits to total assets86.9382%1,964
Equity capital to assets10.7274%3,272
Core capital (leverage) ratio10.7575%2,773
Tier 1 risk-based capital ratio15.5315%2,836
Total risk-based capital ratio16.7304%2,788
Memoranda:
Average total assets$73,590,8005,919
Average earning assets$66,651,2005,946
Average equity$8,797,2005,809
Average total loans$47,260,0005,812