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The First Security Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5306%575
Cost of funding earning assets0.3111%2,285
Net interest margin4.2196%472
Noninterest income to average assets0.5439%2,380
Noninterest expense to average assets3.1459%791
Loan and lease loss provision to assets0.0481%2,098
Net operating income to assets1.1779%2,002
Return on assets (ROA)1.1907%2,016
Pretax return on assets1.2429%2,543
Return on Equity (ROE)13.1949%1,399
Retained earnings to average equity (ytd only)6.3827%2,183
Net charge-offs to loans-0.0036%3,473
Credit loss provision to net charge-offs-1,800.0000%4,035
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.9668%1,622
Assets per employee ($millions)3.5425%4,574
Cash dividends to net income (ytd only)*51.6274%1,432
Condition Ratios (%)
Loss allowance to loans1.1657%3,047
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets73.2821%725
Net loans and leases to deposits83.5827%936
Net loans and leases to core deposits84.8855%1,270
Total domestic deposits to total assets87.6761%2,210
Equity capital to assets9.2819%3,335
Core capital (leverage) ratio8.3252%4,091
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9398%2,654
Memoranda:
Average total assets$74,827,6004,279
Average earning assets$68,798,8004,281
Average equity$6,752,6004,451
Average total loans$55,457,2003,902
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6275%541
Cost of funding earning assets0.3235%2,368
Net interest margin4.3041%443
Noninterest income to average assets0.5676%2,346
Noninterest expense to average assets2.9767%1,011
Loan and lease loss provision to assets0.0480%2,039
Net operating income to assets1.4324%1,439
Return on assets (ROA)1.4358%1,493
Pretax return on assets1.4999%1,989
Return on Equity (ROE)16.0246%945
Retained earnings to average equity (ytd only)6.8904%2,458
Net charge-offs to loans-0.0048%3,428
Credit loss provision to net charge-offs-1,350.0000%3,917
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.6828%2,146
Assets per employee ($millions)3.8032%4,543
Cash dividends to net income (ytd only)*57.0012%934
Condition Ratios (%)
Loss allowance to loans1.1378%3,265
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets72.4242%830
Net loans and leases to deposits83.5578%994
Net loans and leases to core deposits84.8448%1,363
Total domestic deposits to total assets86.6755%2,473
Equity capital to assets8.9991%3,830
Core capital (leverage) ratio8.2274%4,279
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4569%2,872
Memoranda:
Average total assets$74,936,5004,335
Average earning assets$68,832,5004,328
Average equity$6,714,5004,520
Average total loans$55,531,7503,952
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8671%428
Cost of funding earning assets0.3334%2,459
Net interest margin4.5336%334
Noninterest income to average assets0.6786%1,893
Noninterest expense to average assets2.8835%1,172
Loan and lease loss provision to assets0.0483%2,061
Net operating income to assets1.8162%692
Return on assets (ROA)1.8213%715
Pretax return on assets1.9098%1,000
Return on Equity (ROE)20.3568%427
Retained earnings to average equity (ytd only)9.2640%1,632
Net charge-offs to loans-0.0072%3,549
Credit loss provision to net charge-offs-900.0000%3,628
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4565%3,088
Assets per employee ($millions)3.2742%4,733
Cash dividends to net income (ytd only)*54.4919%1,093
Condition Ratios (%)
Loss allowance to loans1.0947%3,438
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets74.8616%688
Net loans and leases to deposits86.5074%882
Net loans and leases to core deposits87.8555%1,276
Total domestic deposits to total assets86.5378%2,533
Equity capital to assets9.0536%3,754
Core capital (leverage) ratio8.1812%4,275
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9690%2,965
Memoranda:
Average total assets$74,561,0004,364
Average earning assets$68,377,6674,362
Average equity$6,671,0004,549
Average total loans$55,468,3333,979
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5657%708
Cost of funding earning assets0.3467%2,551
Net interest margin4.2190%582
Noninterest income to average assets0.3666%3,260
Noninterest expense to average assets2.8468%1,268
Loan and lease loss provision to assets0.0485%2,113
Net operating income to assets1.2837%1,876
Return on assets (ROA)1.2940%1,919
Pretax return on assets1.3533%2,419
Return on Equity (ROE)14.5510%1,316
Retained earnings to average equity (ytd only)9.0944%1,922
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0483%2,070
Assets per employee ($millions)5.0629%3,582
Cash dividends to net income (ytd only)*37.5000%1,469
Condition Ratios (%)
Loss allowance to loans1.1091%3,389
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets72.0870%1,012
Net loans and leases to deposits84.2399%1,122
Net loans and leases to core deposits85.0249%1,589
Total domestic deposits to total assets85.5734%2,901
Equity capital to assets8.7711%3,892
Core capital (leverage) ratio8.0908%4,499
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9023%2,705
Memoranda:
Average total assets$74,188,0004,388
Average earning assets$68,072,5004,382
Average equity$6,597,5004,573
Average total loans$54,702,5004,016
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7321%838
Cost of funding earning assets0.5514%2,604
Net interest margin4.1807%667
Noninterest income to average assets0.4967%2,647
Noninterest expense to average assets2.8803%1,738
Loan and lease loss provision to assets0.0593%3,632
Net operating income to assets1.3017%1,244
Return on assets (ROA)1.3124%1,317
Pretax return on assets1.3773%1,737
Return on Equity (ROE)15.1328%622
Retained earnings to average equity (ytd only)9.9421%597
Net charge-offs to loans-0.0038%4,071
Credit loss provision to net charge-offs-2,100.0000%4,198
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.4700%2,452
Assets per employee ($millions)4.5271%3,891
Cash dividends to net income (ytd only)*34.3011%2,642
Condition Ratios (%)
Loss allowance to loans1.1194%3,369
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets73.7799%1,055
Net loans and leases to deposits87.8112%1,112
Net loans and leases to core deposits89.8093%1,538
Total domestic deposits to total assets84.0211%3,102
Equity capital to assets9.0208%4,033
Core capital (leverage) ratio7.9676%4,649
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1911%2,871
Memoranda:
Average total assets$70,860,8004,372
Average earning assets$64,558,6004,383
Average equity$6,145,6004,629
Average total loans$52,476,8004,059
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7860%899
Cost of funding earning assets0.5967%2,633
Net interest margin4.1893%752
Noninterest income to average assets0.3425%3,422
Noninterest expense to average assets3.0292%1,379
Loan and lease loss provision to assets0.0511%3,713
Net operating income to assets1.0224%2,246
Return on assets (ROA)1.0350%2,334
Pretax return on assets1.0879%2,789
Return on Equity (ROE)12.0578%1,351
Retained earnings to average equity (ytd only)6.3485%1,947
Net charge-offs to loans-0.0051%4,054
Credit loss provision to net charge-offs-1,350.0000%3,991
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.3588%1,602
Assets per employee ($millions)4.3324%4,013
Cash dividends to net income (ytd only)*47.3492%1,602
Condition Ratios (%)
Loss allowance to loans1.0786%3,316
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2295%3,303
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets73.5954%1,424
Net loans and leases to deposits91.3462%1,124
Net loans and leases to core deposits93.8840%1,649
Total domestic deposits to total assets80.5675%3,757
Equity capital to assets8.4413%4,492
Core capital (leverage) ratio7.3368%4,908
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.4042%3,048
Memoranda:
Average total assets$70,467,7504,385
Average earning assets$64,129,7504,400
Average equity$6,048,5004,661
Average total loans$52,084,5004,093
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9504%895
Cost of funding earning assets0.6632%2,607
Net interest margin4.2872%772
Noninterest income to average assets0.3314%3,483
Noninterest expense to average assets3.0516%1,457
Loan and lease loss provision to assets0.0519%3,658
Net operating income to assets1.0668%2,085
Return on assets (ROA)1.0777%2,170
Pretax return on assets1.1325%2,604
Return on Equity (ROE)12.4826%1,220
Retained earnings to average equity (ytd only)6.9756%1,671
Net charge-offs to loans-0.0039%3,941
Credit loss provision to net charge-offs-1,800.0000%3,869
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.7599%1,723
Assets per employee ($millions)4.3569%3,949
Cash dividends to net income (ytd only)*44.1176%1,772
Condition Ratios (%)
Loss allowance to loans1.0759%3,204
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2486%3,321
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets68.1195%2,331
Net loans and leases to deposits83.2326%2,072
Net loans and leases to core deposits90.5642%2,024
Total domestic deposits to total assets81.8423%3,412
Equity capital to assets7.8331%4,795
Core capital (leverage) ratio7.4025%4,932
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.9896%3,162
Memoranda:
Average total assets$69,407,0004,406
Average earning assets$63,024,6674,420
Average equity$5,992,3334,690
Average total loans$51,181,3334,114
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9303%1,116
Cost of funding earning assets0.7659%2,575
Net interest margin4.1645%990
Noninterest income to average assets0.3636%3,334
Noninterest expense to average assets3.2728%1,280
Loan and lease loss provision to assets0.0555%3,070
Net operating income to assets0.7526%3,085
Return on assets (ROA)0.7643%3,116
Pretax return on assets0.8013%3,411
Return on Equity (ROE)8.3826%2,352
Retained earnings to average equity (ytd only)2.9745%3,094
Net charge-offs to loans-0.0080%4,001
Credit loss provision to net charge-offs-900.0000%3,530
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.8922%1,247
Assets per employee ($millions)3.8241%4,141
Cash dividends to net income (ytd only)*64.5161%1,301
Condition Ratios (%)
Loss allowance to loans1.1271%3,066
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3000%3,253
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets77.0478%1,125
Net loans and leases to deposits86.4421%1,940
Net loans and leases to core deposits94.4611%1,928
Total domestic deposits to total assets89.1323%613
Equity capital to assets9.2003%4,465
Core capital (leverage) ratio8.2189%4,914
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.3267%3,268
Memoranda:
Average total assets$64,898,5004,487
Average earning assets$58,495,0004,507
Average equity$5,917,0004,733
Average total loans$49,770,5004,155
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0767%1,269
Cost of funding earning assets0.7741%2,806
Net interest margin4.3026%1,083
Noninterest income to average assets0.2681%4,075
Noninterest expense to average assets3.2135%1,488
Loan and lease loss provision to assets0.0568%2,897
Net operating income to assets0.8459%3,400
Return on assets (ROA)0.9193%3,202
Pretax return on assets0.9666%3,551
Return on Equity (ROE)10.4267%2,109
Retained earnings to average equity (ytd only)6.5279%1,598
Net charge-offs to loans-0.0044%4,322
Credit loss provision to net charge-offs-1,800.0000%4,594
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.6111%1,304
Assets per employee ($millions)3.4099%4,559
Cash dividends to net income (ytd only)*37.3928%2,731
Condition Ratios (%)
Loss allowance to loans1.1497%2,701
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3010%3,228
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets74.5817%1,657
Net loans and leases to deposits84.6279%2,258
Net loans and leases to core deposits93.9566%2,065
Total domestic deposits to total assets88.1290%1,069
Equity capital to assets9.0341%4,670
Core capital (leverage) ratio7.9987%5,038
Tier 1 risk-based capital ratio10.7493%4,948
Total risk-based capital ratio11.9082%4,891
Memoranda:
Average total assets$63,420,4004,538
Average earning assets$57,360,0004,570
Average equity$5,591,4004,813
Average total loans$45,929,0004,262
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0328%1,460
Cost of funding earning assets0.7660%2,888
Net interest margin4.2668%1,231
Noninterest income to average assets0.2663%4,145
Noninterest expense to average assets3.1663%1,535
Loan and lease loss provision to assets0.0571%2,755
Net operating income to assets0.8612%3,482
Return on assets (ROA)0.9596%3,207
Pretax return on assets1.0083%3,571
Return on Equity (ROE)10.9540%2,034
Retained earnings to average equity (ytd only)6.2733%2,234
Net charge-offs to loans-0.0059%4,244
Credit loss provision to net charge-offs-1,350.0000%4,464
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.0369%1,328
Assets per employee ($millions)3.2991%4,670
Cash dividends to net income (ytd only)*42.7311%2,032
Condition Ratios (%)
Loss allowance to loans1.1298%2,875
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2955%3,366
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets73.3442%1,938
Net loans and leases to deposits86.9270%2,074
Net loans and leases to core deposits96.2069%1,976
Total domestic deposits to total assets84.3745%2,688
Equity capital to assets8.7084%4,921
Core capital (leverage) ratio7.9794%5,122
Tier 1 risk-based capital ratio10.3878%5,111
Total risk-based capital ratio11.5111%5,064
Memoranda:
Average total assets$63,078,5004,599
Average earning assets$57,090,5004,634
Average equity$5,526,0004,888
Average total loans$45,190,7504,333
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0311%1,395
Cost of funding earning assets0.7142%3,089
Net interest margin4.3169%1,103
Noninterest income to average assets0.2512%4,253
Noninterest expense to average assets3.1492%1,615
Loan and lease loss provision to assets0.0580%2,667
Net operating income to assets0.9113%3,238
Return on assets (ROA)0.9113%3,300
Pretax return on assets0.9564%3,690
Return on Equity (ROE)10.3802%2,222
Retained earnings to average equity (ytd only)3.2645%3,590
Net charge-offs to loans-0.0046%4,097
Credit loss provision to net charge-offs-1,800.0000%4,366
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.8647%1,532
Assets per employee ($millions)2.6323%5,079
Cash dividends to net income (ytd only)*68.5512%1,152
Condition Ratios (%)
Loss allowance to loans1.1875%2,597
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3087%3,301
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets71.5208%2,282
Net loans and leases to deposits86.1320%2,244
Net loans and leases to core deposits95.8934%2,081
Total domestic deposits to total assets83.0363%3,185
Equity capital to assets8.8071%4,899
Core capital (leverage) ratio7.9660%5,175
Tier 1 risk-based capital ratio10.7802%5,000
Total risk-based capital ratio11.9676%4,948
Memoranda:
Average total assets$62,110,6704,656
Average earning assets$56,290,0004,681
Average equity$5,452,6704,928
Average total loans$43,938,6704,391
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8319%1,811
Cost of funding earning assets0.6605%3,259
Net interest margin4.1713%1,372
Noninterest income to average assets0.2274%4,382
Noninterest expense to average assets3.0920%1,753
Loan and lease loss provision to assets0.0585%2,482
Net operating income to assets0.8185%3,557
Return on assets (ROA)0.8185%3,596
Pretax return on assets0.8510%3,917
Return on Equity (ROE)9.3385%2,654
Retained earnings to average equity (ytd only)2.9646%3,747
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.4610%1,450
Assets per employee ($millions)2.8130%5,065
Cash dividends to net income (ytd only)*68.2540%1,153
Condition Ratios (%)
Loss allowance to loans1.2316%2,419
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3151%3,333
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets69.0662%2,614
Net loans and leases to deposits78.0138%3,056
Net loans and leases to core deposits85.9519%2,873
Total domestic deposits to total assets88.5307%1,073
Equity capital to assets8.7983%4,823
Core capital (leverage) ratio8.0354%5,199
Tier 1 risk-based capital ratio11.3247%4,824
Total risk-based capital ratio12.5624%4,745
Memoranda:
Average total assets$61,578,0004,714
Average earning assets$55,713,5004,739
Average equity$5,397,0004,982
Average total loans$43,044,5004,461
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6956%1,835
Cost of funding earning assets0.4583%3,622
Net interest margin4.2373%1,306
Noninterest income to average assets0.2683%4,313
Noninterest expense to average assets3.2443%1,444
Loan and lease loss provision to assets0.0397%3,401
Net operating income to assets0.8098%3,768
Return on assets (ROA)0.8098%3,770
Pretax return on assets0.8429%4,060
Return on Equity (ROE)9.3660%2,805
Retained earnings to average equity (ytd only)5.4204%2,523
Net charge-offs to loans-0.0048%4,348
Credit loss provision to net charge-offs-1,200.0000%4,758
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.8491%1,145
Assets per employee ($millions)2.9176%5,037
Cash dividends to net income (ytd only)*42.1268%2,405
Condition Ratios (%)
Loss allowance to loans1.2239%2,441
Loan loss allowance to noncurrent loans331.6456%1,520
Noncurrent assets plus other real estate owned to assets0.2579%3,554
Noncurrent loans to loans0.3690%3,217
Net loans and leases to total assets69.0219%2,726
Net loans and leases to deposits80.7813%2,874
Net loans and leases to core deposits88.7176%2,680
Total domestic deposits to total assets85.4429%2,456
Equity capital to assets8.7304%4,781
Core capital (leverage) ratio8.0080%5,231
Tier 1 risk-based capital ratio11.4256%4,758
Total risk-based capital ratio12.6646%4,673
Memoranda:
Average total assets$60,383,6004,756
Average earning assets$54,987,8004,771
Average equity$5,221,0005,015
Average total loans$41,404,6004,513
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6949%1,693
Cost of funding earning assets0.4498%3,523
Net interest margin4.2451%1,248
Noninterest income to average assets0.2704%4,343
Noninterest expense to average assets3.1869%1,555
Loan and lease loss provision to assets0.0332%3,352
Net operating income to assets0.8843%3,604
Return on assets (ROA)0.8843%3,605
Pretax return on assets0.9197%3,948
Return on Equity (ROE)10.2523%2,502
Retained earnings to average equity (ytd only)6.3980%2,435
Net charge-offs to loans-0.0065%4,286
Credit loss provision to net charge-offs-750.0000%4,576
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2313%1,327
Assets per employee ($millions)2.7679%5,180
Cash dividends to net income (ytd only)*37.5947%2,182
Condition Ratios (%)
Loss allowance to loans1.2114%2,563
Loan loss allowance to noncurrent loans329.4872%1,551
Noncurrent assets plus other real estate owned to assets0.2562%3,666
Noncurrent loans to loans0.3677%3,326
Net loans and leases to total assets68.8371%2,814
Net loans and leases to deposits79.5253%3,087
Net loans and leases to core deposits86.5231%2,953
Total domestic deposits to total assets86.5600%1,942
Equity capital to assets8.6430%4,838
Core capital (leverage) ratio7.8112%5,354
Tier 1 risk-based capital ratio11.6090%4,728
Total risk-based capital ratio12.8539%4,619
Memoranda:
Average total assets$60,162,2504,813
Average earning assets$54,837,7504,824
Average equity$5,189,0005,080
Average total loans$41,052,5004,565
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5852%1,824
Cost of funding earning assets0.3552%4,040
Net interest margin4.2299%1,213
Noninterest income to average assets0.2837%4,285
Noninterest expense to average assets3.1342%1,709
Loan and lease loss provision to assets0.0200%3,504
Net operating income to assets0.9446%3,254
Return on assets (ROA)0.9446%3,262
Pretax return on assets0.9847%3,711
Return on Equity (ROE)10.9598%2,131
Retained earnings to average equity (ytd only)6.3125%2,408
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.9194%1,577
Assets per employee ($millions)2.8157%5,210
Cash dividends to net income (ytd only)*42.4028%2,011
Condition Ratios (%)
Loss allowance to loans1.1725%2,872
Loan loss allowance to noncurrent loans165.7895%2,578
Noncurrent assets plus other real estate owned to assets0.4908%2,791
Noncurrent loans to loans0.7072%2,344
Net loans and leases to total assets68.5775%2,778
Net loans and leases to deposits84.0293%2,535
Net loans and leases to core deposits86.1526%2,909
Total domestic deposits to total assets81.6114%3,838
Equity capital to assets8.3863%5,026
Core capital (leverage) ratio7.8039%5,397
Tier 1 risk-based capital ratio11.2279%4,935
Total risk-based capital ratio12.4313%4,860
Memoranda:
Average total assets$59,918,6704,874
Average earning assets$54,611,0004,884
Average equity$5,164,3305,139
Average total loans$40,593,0004,620
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5308%1,776
Cost of funding earning assets0.3130%4,247
Net interest margin4.2178%1,141
Noninterest income to average assets0.2784%4,309
Noninterest expense to average assets3.1373%1,722
Loan and lease loss provision to assets0.0204%3,264
Net operating income to assets0.9235%3,190
Return on assets (ROA)0.9235%3,206
Pretax return on assets0.9643%3,653
Return on Equity (ROE)10.5652%2,144
Retained earnings to average equity (ytd only)8.2346%1,756
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.2883%1,706
Assets per employee ($millions)3.0073%5,146
Cash dividends to net income (ytd only)*22.0588%2,358
Condition Ratios (%)
Loss allowance to loans1.2420%2,561
Loan loss allowance to noncurrent loans168.6869%2,551
Noncurrent assets plus other real estate owned to assets0.4938%2,883
Noncurrent loans to loans0.7363%2,366
Net loans and leases to total assets66.2349%2,998
Net loans and leases to deposits77.2304%3,090
Net loans and leases to core deposits79.1406%3,391
Total domestic deposits to total assets85.7627%2,648
Equity capital to assets8.5809%4,915
Core capital (leverage) ratio8.0217%5,384
Tier 1 risk-based capital ratio11.5604%4,832
Total risk-based capital ratio12.8086%4,726
Memoranda:
Average total assets$58,905,0004,947
Average earning assets$53,677,0004,959
Average equity$5,149,0005,194
Average total loans$39,397,0004,706
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3713%2,110
Cost of funding earning assets0.2763%4,351
Net interest margin4.0950%1,459
Noninterest income to average assets0.3174%4,192
Noninterest expense to average assets3.2040%1,601
Loan and lease loss provision to assets0.0631%2,967
Net operating income to assets0.7348%3,450
Return on assets (ROA)0.7348%3,494
Pretax return on assets0.7664%4,342
Return on Equity (ROE)8.0555%2,770
Retained earnings to average equity (ytd only)-2.3263%5,308
Net charge-offs to loans-0.0027%4,555
Credit loss provision to net charge-offs-3,600.0000%5,215
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.6087%1,270
Assets per employee ($millions)2.8833%5,271
Cash dividends to net income (ytd only)*128.8783%185
Condition Ratios (%)
Loss allowance to loans1.2950%2,242
Loan loss allowance to noncurrent loans171.7241%2,560
Noncurrent assets plus other real estate owned to assets0.5029%2,879
Noncurrent loans to loans0.7541%2,314
Net loans and leases to total assets65.8250%3,124
Net loans and leases to deposits77.3532%3,184
Net loans and leases to core deposits79.3652%3,464
Total domestic deposits to total assets85.0967%2,803
Equity capital to assets8.9083%4,810
Core capital (leverage) ratio8.0349%5,427
Tier 1 risk-based capital ratio11.9399%4,572
Total risk-based capital ratio13.1915%4,453
Memoranda:
Average total assets$57,022,0005,028
Average earning assets$51,746,4005,034
Average equity$5,201,4005,236
Average total loans$37,128,6004,816
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3748%2,035
Cost of funding earning assets0.2742%4,366
Net interest margin4.1006%1,387
Noninterest income to average assets0.3142%4,287
Noninterest expense to average assets3.2007%1,556
Loan and lease loss provision to assets0.0633%2,802
Net operating income to assets0.7363%3,788
Return on assets (ROA)0.7363%3,866
Pretax return on assets0.7668%4,436
Return on Equity (ROE)8.0241%3,115
Retained earnings to average equity (ytd only)-2.7088%5,465
Net charge-offs to loans-0.0036%4,400
Credit loss provision to net charge-offs-2,700.0000%5,118
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.5922%1,257
Assets per employee ($millions)2.8420%5,366
Cash dividends to net income (ytd only)*133.7577%129
Condition Ratios (%)
Loss allowance to loans1.3259%2,233
Loan loss allowance to noncurrent loans173.4043%2,495
Noncurrent assets plus other real estate owned to assets0.4961%3,078
Noncurrent loans to loans0.7646%2,449
Net loans and leases to total assets64.0253%3,393
Net loans and leases to deposits71.1379%3,858
Net loans and leases to core deposits72.9079%4,072
Total domestic deposits to total assets90.0018%475
Equity capital to assets9.1274%4,801
Core capital (leverage) ratio7.9701%5,520
Tier 1 risk-based capital ratio12.4979%4,312
Total risk-based capital ratio13.7475%4,233
Memoranda:
Average total assets$56,861,2505,083
Average earning assets$51,536,0005,094
Average equity$5,217,5005,289
Average total loans$36,796,7504,872
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3378%2,009
Cost of funding earning assets0.2752%4,333
Net interest margin4.0626%1,423
Noninterest income to average assets0.3200%4,265
Noninterest expense to average assets3.1722%1,645
Loan and lease loss provision to assets0.0633%2,704
Net operating income to assets0.7456%3,648
Return on assets (ROA)0.7456%3,711
Pretax return on assets0.7702%4,373
Return on Equity (ROE)8.1112%2,961
Retained earnings to average equity (ytd only)-2.9078%5,424
Net charge-offs to loans-0.0054%4,359
Credit loss provision to net charge-offs-1,800.0000%4,935
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.3143%1,418
Assets per employee ($millions)2.8723%5,380
Cash dividends to net income (ytd only)*135.8491%211
Condition Ratios (%)
Loss allowance to loans1.2689%2,576
Loan loss allowance to noncurrent loans174.5455%2,499
Noncurrent assets plus other real estate owned to assets0.4787%3,179
Noncurrent loans to loans0.7270%2,572
Net loans and leases to total assets65.0141%3,249
Net loans and leases to deposits71.8424%3,756
Net loans and leases to core deposits73.9696%3,940
Total domestic deposits to total assets90.4954%362
Equity capital to assets9.1094%4,793
Core capital (leverage) ratio8.1626%5,450
Tier 1 risk-based capital ratio12.3029%4,425
Total risk-based capital ratio13.5522%4,314
Memoranda:
Average total assets$56,868,3305,119
Average earning assets$51,593,0005,126
Average equity$5,227,3305,326
Average total loans$36,768,6704,906
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3458%1,829
Cost of funding earning assets0.2726%4,328
Net interest margin4.0732%1,290
Noninterest income to average assets0.3181%4,276
Noninterest expense to average assets3.2238%1,543
Loan and lease loss provision to assets0.0636%2,531
Net operating income to assets0.6999%3,703
Return on assets (ROA)0.6999%3,744
Pretax return on assets0.7282%4,350
Return on Equity (ROE)7.5797%3,124
Retained earnings to average equity (ytd only)-3.7516%5,313
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.4014%1,441
Assets per employee ($millions)2.8222%5,471
Cash dividends to net income (ytd only)*149.4949%389
Condition Ratios (%)
Loss allowance to loans1.2999%2,538
Loan loss allowance to noncurrent loans173.4317%2,536
Noncurrent assets plus other real estate owned to assets0.5669%2,960
Noncurrent loans to loans0.7495%2,619
Net loans and leases to total assets63.2266%3,370
Net loans and leases to deposits69.9594%3,799
Net loans and leases to core deposits71.6348%4,015
Total domestic deposits to total assets90.3761%523
Equity capital to assets9.2412%4,575
Core capital (leverage) ratio8.3170%5,369
Tier 1 risk-based capital ratio12.6569%4,289
Total risk-based capital ratio13.9067%4,193
Memoranda:
Average total assets$56,579,5005,178
Average earning assets$51,360,5005,185
Average equity$5,224,5005,375
Average total loans$36,239,0004,966
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3949%1,838
Cost of funding earning assets0.3291%3,760
Net interest margin4.0657%1,455
Noninterest income to average assets0.2932%4,642
Noninterest expense to average assets3.0825%2,090
Loan and lease loss provision to assets0.0579%3,227
Net operating income to assets0.8045%3,285
Return on assets (ROA)0.8601%3,135
Pretax return on assets0.8970%3,860
Return on Equity (ROE)9.1981%2,315
Retained earnings to average equity (ytd only)0.2628%5,213
Net charge-offs to loans0.0423%3,190
Credit loss provision to net charge-offs220.0000%1,300
Earnings coverage of net charge-offs (x)34.0667%1,327
Efficiency ratio76.3564%1,927
Assets per employee ($millions)2.8358%5,463
Cash dividends to net income (ytd only)*97.1429%416
Condition Ratios (%)
Loss allowance to loans1.2692%2,707
Loan loss allowance to noncurrent loans171.3755%2,527
Noncurrent assets plus other real estate owned to assets0.5677%3,036
Noncurrent loans to loans0.7406%2,678
Net loans and leases to total assets63.2273%3,445
Net loans and leases to deposits69.9489%3,906
Net loans and leases to core deposits73.0733%4,001
Total domestic deposits to total assets90.3907%482
Equity capital to assets9.2267%4,549
Core capital (leverage) ratio8.2103%5,502
Tier 1 risk-based capital ratio13.2339%3,934
Total risk-based capital ratio14.4846%3,846
Memoranda:
Average total assets$56,967,2005,213
Average earning assets$51,651,0005,217
Average equity$5,327,2005,406
Average total loans$35,500,4005,031
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3987%1,864
Cost of funding earning assets0.3304%3,774
Net interest margin4.0683%1,478
Noninterest income to average assets0.2899%4,696
Noninterest expense to average assets3.0229%2,252
Loan and lease loss provision to assets0.0561%3,124
Net operating income to assets0.8588%3,109
Return on assets (ROA)0.9328%2,863
Pretax return on assets0.9726%3,729
Return on Equity (ROE)9.9423%2,076
Retained earnings to average equity (ytd only)0.9718%5,095
Net charge-offs to loans0.0567%2,556
Credit loss provision to net charge-offs160.0000%1,704
Earnings coverage of net charge-offs (x)27.1325%1,575
Efficiency ratio74.8824%2,125
Assets per employee ($millions)3.0307%5,364
Cash dividends to net income (ytd only)*90.2254%532
Condition Ratios (%)
Loss allowance to loans1.1900%3,300
Loan loss allowance to noncurrent loans173.1801%2,496
Noncurrent assets plus other real estate owned to assets0.5453%3,278
Noncurrent loans to loans0.6871%2,974
Net loans and leases to total assets65.1778%3,250
Net loans and leases to deposits76.0373%3,396
Net loans and leases to core deposits79.1497%3,534
Total domestic deposits to total assets85.7183%2,498
Equity capital to assets9.4471%4,714
Core capital (leverage) ratio8.3996%5,430
Tier 1 risk-based capital ratio12.2649%4,631
Total risk-based capital ratio13.4441%4,571
Memoranda:
Average total assets$57,030,0005,253
Average earning assets$51,650,0005,266
Average equity$5,350,7505,459
Average total loans$35,295,2505,084
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3827%1,879
Cost of funding earning assets0.3267%3,829
Net interest margin4.0560%1,492
Noninterest income to average assets0.2850%4,746
Noninterest expense to average assets2.9659%2,461
Loan and lease loss provision to assets0.0633%2,876
Net operating income to assets0.8866%2,929
Return on assets (ROA)0.8866%3,049
Pretax return on assets0.9253%3,856
Return on Equity (ROE)9.4719%2,284
Retained earnings to average equity (ytd only)1.0148%4,982
Net charge-offs to loans0.0930%1,910
Credit loss provision to net charge-offs112.5000%1,939
Earnings coverage of net charge-offs (x)17.5625%1,870
Efficiency ratio73.6655%2,411
Assets per employee ($millions)2.9837%5,452
Cash dividends to net income (ytd only)*89.2857%698
Condition Ratios (%)
Loss allowance to loans1.2247%3,218
Loan loss allowance to noncurrent loans174.9020%2,549
Noncurrent assets plus other real estate owned to assets0.5433%3,403
Noncurrent loans to loans0.7002%2,979
Net loans and leases to total assets63.4492%3,440
Net loans and leases to deposits73.2721%3,676
Net loans and leases to core deposits76.2868%3,792
Total domestic deposits to total assets86.5940%2,115
Equity capital to assets9.6029%4,667
Core capital (leverage) ratio8.3860%5,458
Tier 1 risk-based capital ratio12.7143%4,379
Total risk-based capital ratio13.9242%4,310
Memoranda:
Average total assets$56,845,3305,318
Average earning assets$51,429,6705,327
Average equity$5,321,0005,518
Average total loans$34,399,0005,162
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3474%1,972
Cost of funding earning assets0.3189%3,959
Net interest margin4.0285%1,533
Noninterest income to average assets0.2741%4,766
Noninterest expense to average assets3.0146%2,347
Loan and lease loss provision to assets0.0632%2,687
Net operating income to assets0.8011%3,245
Return on assets (ROA)0.8011%3,360
Pretax return on assets0.8362%4,075
Return on Equity (ROE)8.6700%2,573
Retained earnings to average equity (ytd only)0.3042%5,041
Net charge-offs to loans0.1917%1,023
Credit loss provision to net charge-offs56.2500%2,002
Earnings coverage of net charge-offs (x)8.0000%2,095
Efficiency ratio75.2244%2,294
Assets per employee ($millions)2.8114%5,676
Cash dividends to net income (ytd only)*96.4912%744
Condition Ratios (%)
Loss allowance to loans1.3133%2,837
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0943%5,207
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets58.4015%3,997
Net loans and leases to deposits66.3582%4,224
Net loans and leases to core deposits69.0643%4,315
Total domestic deposits to total assets88.0095%1,632
Equity capital to assets9.4668%4,696
Core capital (leverage) ratio8.2473%5,613
Tier 1 risk-based capital ratio13.3712%4,055
Total risk-based capital ratio14.6210%3,981
Memoranda:
Average total assets$56,922,5005,368
Average earning assets$51,433,5005,376
Average equity$5,259,5005,567
Average total loans$33,390,5005,230
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2730%2,302
Cost of funding earning assets0.2704%4,581
Net interest margin4.0026%1,712
Noninterest income to average assets0.3012%4,724
Noninterest expense to average assets3.1246%2,164
Loan and lease loss provision to assets0.0645%3,002
Net operating income to assets0.7171%3,728
Return on assets (ROA)0.7619%3,604
Pretax return on assets0.7941%4,210
Return on Equity (ROE)8.1652%2,861
Retained earnings to average equity (ytd only)1.4217%4,916
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.9581%2,121
Assets per employee ($millions)3.0325%5,496
Cash dividends to net income (ytd only)*82.5882%806
Condition Ratios (%)
Loss allowance to loans1.3251%2,774
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0920%5,252
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets57.3824%4,161
Net loans and leases to deposits67.0751%4,215
Net loans and leases to core deposits69.8203%4,307
Total domestic deposits to total assets85.5494%2,840
Equity capital to assets9.0182%5,104
Core capital (leverage) ratio8.2529%5,641
Tier 1 risk-based capital ratio13.3561%4,075
Total risk-based capital ratio14.6076%4,021
Memoranda:
Average total assets$55,783,0005,413
Average earning assets$50,666,6005,420
Average equity$5,205,0005,604
Average total loans$33,218,2005,252
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2900%2,270
Cost of funding earning assets0.2701%4,665
Net interest margin4.0199%1,639
Noninterest income to average assets0.2940%4,841
Noninterest expense to average assets3.1691%2,049
Loan and lease loss provision to assets0.0651%2,886
Net operating income to assets0.6894%3,949
Return on assets (ROA)0.7495%3,778
Pretax return on assets0.7808%4,394
Return on Equity (ROE)7.9631%3,090
Retained earnings to average equity (ytd only)1.2803%5,207
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.7439%1,978
Assets per employee ($millions)2.7688%5,781
Cash dividends to net income (ytd only)*83.9218%651
Condition Ratios (%)
Loss allowance to loans1.3680%2,745
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0957%5,366
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets56.6375%4,289
Net loans and leases to deposits65.1442%4,456
Net loans and leases to core deposits66.4372%4,659
Total domestic deposits to total assets86.9418%2,071
Equity capital to assets9.4935%4,759
Core capital (leverage) ratio8.3139%5,708
Tier 1 risk-based capital ratio14.1071%3,792
Total risk-based capital ratio15.3576%3,726
Memoranda:
Average total assets$55,324,5005,497
Average earning assets$50,348,7505,495
Average equity$5,207,2505,672
Average total loans$33,146,2505,318
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2593%2,327
Cost of funding earning assets0.2702%4,716
Net interest margin3.9892%1,668
Noninterest income to average assets0.2893%4,896
Noninterest expense to average assets3.1605%2,096
Loan and lease loss provision to assets0.0651%2,818
Net operating income to assets0.6655%4,053
Return on assets (ROA)0.7558%3,715
Pretax return on assets0.7883%4,354
Return on Equity (ROE)8.0529%3,020
Retained earnings to average equity (ytd only)2.8513%4,221
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.2288%2,034
Assets per employee ($millions)2.9079%5,702
Cash dividends to net income (ytd only)*64.5933%1,384
Condition Ratios (%)
Loss allowance to loans1.2105%3,731
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0959%5,480
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets62.9267%3,423
Net loans and leases to deposits71.2687%3,789
Net loans and leases to core deposits72.6644%4,070
Total domestic deposits to total assets88.2950%1,497
Equity capital to assets9.3575%4,834
Core capital (leverage) ratio8.3359%5,690
Tier 1 risk-based capital ratio12.9158%4,566
Total risk-based capital ratio14.1006%4,515
Memoranda:
Average total assets$55,307,6705,557
Average earning assets$50,336,3305,554
Average equity$5,190,6705,731
Average total loans$33,595,6705,337
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1190%2,759
Cost of funding earning assets0.2624%4,876
Net interest margin3.8566%2,041
Noninterest income to average assets0.2747%4,978
Noninterest expense to average assets3.1661%2,072
Loan and lease loss provision to assets0.0651%2,631
Net operating income to assets0.5277%4,553
Return on assets (ROA)0.5277%4,672
Pretax return on assets0.5494%5,049
Return on Equity (ROE)5.6143%4,222
Retained earnings to average equity (ytd only)-2.4611%5,741
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.2620%1,719
Assets per employee ($millions)2.5752%6,059
Cash dividends to net income (ytd only)*143.8356%391
Condition Ratios (%)
Loss allowance to loans1.2338%3,769
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0936%5,568
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets58.9226%3,811
Net loans and leases to deposits66.6321%4,089
Net loans and leases to core deposits67.9007%4,333
Total domestic deposits to total assets88.4298%1,582
Equity capital to assets9.2668%5,010
Core capital (leverage) ratio8.3621%5,672
Tier 1 risk-based capital ratio11.3399%5,635
Total risk-based capital ratio12.3833%5,662
Memoranda:
Average total assets$55,336,5005,607
Average earning assets$50,303,0005,610
Average equity$5,201,0005,780
Average total loans$32,797,0005,413
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4821%1,946
Cost of funding earning assets0.2811%4,992
Net interest margin4.2010%1,296
Noninterest income to average assets0.3614%4,507
Noninterest expense to average assets3.3478%1,806
Loan and lease loss provision to assets0.0571%3,403
Net operating income to assets0.7133%3,823
Return on assets (ROA)0.7133%3,930
Pretax return on assets0.7380%4,484
Return on Equity (ROE)7.6929%3,278
Retained earnings to average equity (ytd only)-0.6359%5,869
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.4665%2,141
Assets per employee ($millions)2.8431%5,892
Cash dividends to net income (ytd only)*108.2667%277
Condition Ratios (%)
Loss allowance to loans1.2864%3,504
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0981%5,636
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets58.1018%4,033
Net loans and leases to deposits64.6082%4,465
Net loans and leases to core deposits65.8761%4,679
Total domestic deposits to total assets89.9295%765
Equity capital to assets9.5374%4,677
Core capital (leverage) ratio8.2143%5,848
Tier 1 risk-based capital ratio11.8702%5,447
Total risk-based capital ratio12.9544%5,455
Memoranda:
Average total assets$52,571,6005,730
Average earning assets$47,321,8005,744
Average equity$4,874,6005,887
Average total loans$31,667,0005,498
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5047%1,855
Cost of funding earning assets0.2819%5,078
Net interest margin4.2227%1,216
Noninterest income to average assets0.3320%4,779
Noninterest expense to average assets3.3863%1,709
Loan and lease loss provision to assets0.0536%3,299
Net operating income to assets0.6537%4,200
Return on assets (ROA)0.6537%4,295
Pretax return on assets0.6793%4,765
Return on Equity (ROE)7.1031%3,659
Retained earnings to average equity (ytd only)-2.0811%6,082
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.8512%1,941
Assets per employee ($millions)2.8002%5,966
Cash dividends to net income (ytd only)*129.2980%188
Condition Ratios (%)
Loss allowance to loans1.2325%4,057
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0996%5,766
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets60.2485%3,744
Net loans and leases to deposits68.2886%4,098
Net loans and leases to core deposits69.6765%4,355
Total domestic deposits to total assets88.2262%1,644
Equity capital to assets9.2288%5,116
Core capital (leverage) ratio8.4038%5,752
Tier 1 risk-based capital ratio10.9549%6,012
Total risk-based capital ratio11.9483%6,084
Memoranda:
Average total assets$52,209,7505,800
Average earning assets$46,824,5005,819
Average equity$4,805,2505,967
Average total loans$31,635,0005,555
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5351%1,717
Cost of funding earning assets0.2794%5,194
Net interest margin4.2557%1,129
Noninterest income to average assets0.3277%4,793
Noninterest expense to average assets3.3810%1,725
Loan and lease loss provision to assets0.0463%3,389
Net operating income to assets0.6901%3,895
Return on assets (ROA)0.6901%3,986
Pretax return on assets0.7171%4,583
Return on Equity (ROE)7.5047%3,366
Retained earnings to average equity (ytd only)-1.7190%5,954
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.1628%2,144
Assets per employee ($millions)2.7579%6,076
Cash dividends to net income (ytd only)*122.9050%353
Condition Ratios (%)
Loss allowance to loans1.1969%4,438
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3397%5,020
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets61.5942%3,471
Net loans and leases to deposits68.4132%4,009
Net loans and leases to core deposits69.7965%4,288
Total domestic deposits to total assets90.0326%792
Equity capital to assets9.3681%4,880
Core capital (leverage) ratio8.4630%5,668
Tier 1 risk-based capital ratio12.8018%5,032
Total risk-based capital ratio13.9313%5,042
Memoranda:
Average total assets$51,878,6705,859
Average earning assets$46,525,6705,872
Average equity$4,770,3306,020
Average total loans$31,362,0005,613
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5483%1,648
Cost of funding earning assets0.2853%5,213
Net interest margin4.2629%1,075
Noninterest income to average assets0.3100%4,883
Noninterest expense to average assets3.3632%1,800
Loan and lease loss provision to assets0.0465%3,166
Net operating income to assets0.6974%3,700
Return on assets (ROA)0.6974%3,776
Pretax return on assets0.7207%4,415
Return on Equity (ROE)7.6579%3,117
Retained earnings to average equity (ytd only)0.8509%5,250
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.9869%2,342
Assets per employee ($millions)2.7751%6,128
Cash dividends to net income (ytd only)*88.8889%831
Condition Ratios (%)
Loss allowance to loans1.2546%4,357
Loan loss allowance to noncurrent loans265.5172%1,648
Noncurrent assets plus other real estate owned to assets0.3793%5,023
Noncurrent loans to loans0.4725%4,744
Net loans and leases to total assets57.4677%3,927
Net loans and leases to deposits63.5441%4,370
Net loans and leases to core deposits64.8136%4,611
Total domestic deposits to total assets90.4375%837
Equity capital to assets9.0561%5,050
Core capital (leverage) ratio8.4656%5,686
Tier 1 risk-based capital ratio13.1899%4,901
Total risk-based capital ratio14.3262%4,898
Memoranda:
Average total assets$51,617,5005,919
Average earning assets$46,259,5005,933
Average equity$4,701,0006,070
Average total loans$30,709,5005,689
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3550%2,754
Cost of funding earning assets0.3207%5,417
Net interest margin4.0343%1,855
Noninterest income to average assets0.3418%4,867
Noninterest expense to average assets3.2974%2,159
Loan and lease loss provision to assets0.0340%4,437
Net operating income to assets0.5401%4,558
Return on assets (ROA)0.5401%4,680
Pretax return on assets0.6213%4,800
Return on Equity (ROE)5.8679%4,163
Retained earnings to average equity (ytd only)1.1490%5,314
Net charge-offs to loans0.0063%5,338
Credit loss provision to net charge-offs900.0000%277
Earnings coverage of net charge-offs (x)173.5000%267
Efficiency ratio80.9365%2,029
Assets per employee ($millions)3.1568%5,575
Cash dividends to net income (ytd only)*80.4196%899
Condition Ratios (%)
Loss allowance to loans1.2332%4,484
Loan loss allowance to noncurrent loans261.3793%1,666
Noncurrent assets plus other real estate owned to assets0.3960%5,066
Noncurrent loans to loans0.4718%4,814
Net loans and leases to total assets60.0974%3,697
Net loans and leases to deposits66.5468%4,235
Net loans and leases to core deposits67.9364%4,522
Total domestic deposits to total assets90.3085%913
Equity capital to assets9.1609%4,849
Core capital (leverage) ratio8.6717%5,446
Tier 1 risk-based capital ratio13.5212%4,639
Total risk-based capital ratio14.6736%4,651
Memoranda:
Average total assets$52,950,6005,939
Average earning assets$47,394,0005,954
Average equity$4,874,0006,099
Average total loans$31,924,8005,670
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2797%3,082
Cost of funding earning assets0.3252%5,506
Net interest margin3.9546%2,098
Noninterest income to average assets0.3435%4,941
Noninterest expense to average assets3.3058%2,068
Loan and lease loss provision to assets0.0448%4,118
Net operating income to assets0.4630%4,961
Return on assets (ROA)0.4630%5,110
Pretax return on assets0.5352%5,254
Return on Equity (ROE)5.0244%4,710
Retained earnings to average equity (ytd only)0.2972%5,848
Net charge-offs to loans0.0083%4,990
Credit loss provision to net charge-offs900.0000%336
Earnings coverage of net charge-offs (x)116.3521%441
Efficiency ratio82.5753%1,743
Assets per employee ($millions)3.2621%5,357
Cash dividends to net income (ytd only)*94.0885%494
Condition Ratios (%)
Loss allowance to loans1.2271%4,757
Loan loss allowance to noncurrent loans256.0811%1,591
Noncurrent assets plus other real estate owned to assets0.3909%5,244
Noncurrent loans to loans0.4792%5,001
Net loans and leases to total assets58.4504%3,933
Net loans and leases to deposits67.7963%4,087
Net loans and leases to core deposits68.8397%4,448
Total domestic deposits to total assets86.2146%3,128
Equity capital to assets8.8498%5,365
Core capital (leverage) ratio8.3846%5,874
Tier 1 risk-based capital ratio13.1125%5,045
Total risk-based capital ratio14.2447%5,080
Memoranda:
Average total assets$53,561,2505,993
Average earning assets$47,977,2506,006
Average equity$4,935,7506,158
Average total loans$32,222,7505,712
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1970%3,382
Cost of funding earning assets0.3422%5,474
Net interest margin3.8548%2,361
Noninterest income to average assets0.3517%4,875
Noninterest expense to average assets3.2730%2,148
Loan and lease loss provision to assets0.0666%3,701
Net operating income to assets0.4147%5,160
Return on assets (ROA)0.4147%5,321
Pretax return on assets0.4739%5,455
Return on Equity (ROE)4.4433%5,029
Retained earnings to average equity (ytd only)-0.7141%5,997
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.3010%1,716
Assets per employee ($millions)3.3514%5,170
Cash dividends to net income (ytd only)*116.0714%371
Condition Ratios (%)
Loss allowance to loans1.1834%5,076
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1026%6,188
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets59.3301%3,773
Net loans and leases to deposits68.7454%3,899
Net loans and leases to core deposits70.1692%4,255
Total domestic deposits to total assets86.3041%3,203
Equity capital to assets9.0075%5,207
Core capital (leverage) ratio8.1654%6,041
Tier 1 risk-based capital ratio12.8953%5,226
Total risk-based capital ratio14.0255%5,241
Memoranda:
Average total assets$54,017,3306,018
Average earning assets$48,511,3306,031
Average equity$5,041,3306,171
Average total loans$32,668,3305,728
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1501%3,513
Cost of funding earning assets0.3541%5,491
Net interest margin3.7960%2,464
Noninterest income to average assets0.3763%4,656
Noninterest expense to average assets3.2758%2,142
Loan and lease loss provision to assets0.1107%2,852
Net operating income to assets0.3615%5,302
Return on assets (ROA)0.3615%5,438
Pretax return on assets0.3910%5,590
Return on Equity (ROE)3.8080%5,189
Retained earnings to average equity (ytd only)1.4766%5,251
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.1797%1,744
Assets per employee ($millions)3.3959%5,214
Cash dividends to net income (ytd only)*61.2245%1,285
Condition Ratios (%)
Loss allowance to loans1.1813%5,262
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1012%6,281
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets58.1956%3,761
Net loans and leases to deposits64.6943%4,227
Net loans and leases to core deposits66.7962%4,434
Total domestic deposits to total assets89.9547%1,081
Equity capital to assets9.4324%4,952
Core capital (leverage) ratio8.0363%6,107
Tier 1 risk-based capital ratio13.4018%4,939
Total risk-based capital ratio14.4688%5,014
Memoranda:
Average total assets$54,215,0006,068
Average earning assets$48,577,5006,084
Average equity$5,147,0006,202
Average total loans$32,905,0005,756
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8977%1,847
Cost of funding earning assets0.5101%5,146
Net interest margin4.3875%1,186
Noninterest income to average assets0.5202%3,769
Noninterest expense to average assets3.5627%1,695
Loan and lease loss provision to assets0.1254%4,050
Net operating income to assets0.6708%3,876
Return on assets (ROA)0.8825%3,146
Pretax return on assets0.9058%3,895
Return on Equity (ROE)7.9061%3,127
Retained earnings to average equity (ytd only)5.9088%2,135
Net charge-offs to loans0.0429%5,311
Credit loss provision to net charge-offs450.0000%535
Earnings coverage of net charge-offs (x)29.1667%1,027
Efficiency ratio78.8217%2,305
Assets per employee ($millions)3.3810%5,261
Cash dividends to net income (ytd only)*25.2632%3,560
Condition Ratios (%)
Loss allowance to loans1.0765%5,643
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1017%6,333
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets61.8308%3,279
Net loans and leases to deposits68.8330%3,861
Net loans and leases to core deposits71.4609%4,109
Total domestic deposits to total assets89.8273%1,053
Equity capital to assets9.5552%4,811
Core capital (leverage) ratio8.0726%6,121
Tier 1 risk-based capital ratio12.2716%5,619
Total risk-based capital ratio13.0777%5,852
Memoranda:
Average total assets$43,057,4006,397
Average earning assets$37,834,4006,439
Average equity$4,806,4006,349
Average total loans$27,944,8006,037
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8953%2,022
Cost of funding earning assets0.5448%5,128
Net interest margin4.3506%1,346
Noninterest income to average assets0.5955%3,305
Noninterest expense to average assets3.6163%1,529
Loan and lease loss provision to assets0.1191%4,062
Net operating income to assets0.6411%4,188
Return on assets (ROA)0.9397%3,022
Pretax return on assets0.9761%3,802
Return on Equity (ROE)8.0297%3,276
Retained earnings to average equity (ytd only)5.3154%3,144
Net charge-offs to loans0.0604%4,819
Credit loss provision to net charge-offs300.0000%895
Earnings coverage of net charge-offs (x)19.7494%1,479
Efficiency ratio79.4737%2,177
Assets per employee ($millions)3.2726%5,499
Cash dividends to net income (ytd only)*33.8034%2,445
Condition Ratios (%)
Loss allowance to loans1.0283%5,976
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1050%6,462
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets63.5996%3,095
Net loans and leases to deposits71.0246%3,745
Net loans and leases to core deposits72.8677%4,144
Total domestic deposits to total assets89.5459%1,096
Equity capital to assets9.7399%4,874
Core capital (leverage) ratio8.0419%6,288
Tier 1 risk-based capital ratio11.8127%6,045
Total risk-based capital ratio12.5028%6,347
Memoranda:
Average total assets$40,297,7506,577
Average earning assets$35,243,5006,604
Average equity$4,715,7506,453
Average total loans$26,478,0006,192
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9811%1,842
Cost of funding earning assets0.5752%5,116
Net interest margin4.4059%1,183
Noninterest income to average assets0.2922%5,466
Noninterest expense to average assets3.3245%2,239
Loan and lease loss provision to assets0.1213%4,010
Net operating income to assets0.6658%4,032
Return on assets (ROA)1.1633%2,037
Pretax return on assets1.2074%2,892
Return on Equity (ROE)9.1986%2,717
Retained earnings to average equity (ytd only)6.1905%2,572
Net charge-offs to loans0.0996%4,171
Credit loss provision to net charge-offs183.3333%1,549
Earnings coverage of net charge-offs (x)12.2500%1,895
Efficiency ratio77.3333%2,548
Assets per employee ($millions)3.5081%4,962
Cash dividends to net income (ytd only)*32.7014%2,486
Condition Ratios (%)
Loss allowance to loans1.3093%4,853
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets71.3378%1,673
Net loans and leases to deposits82.4390%2,057
Net loans and leases to core deposits85.0588%2,553
Total domestic deposits to total assets86.5340%3,048
Equity capital to assets13.1923%1,434
Core capital (leverage) ratio10.5377%2,767
Tier 1 risk-based capital ratio15.4950%3,444
Total risk-based capital ratio16.7469%3,409
Memoranda:
Average total assets$36,276,3306,725
Average earning assets$31,639,6706,750
Average equity$4,587,6706,517
Average total loans$24,088,0006,362
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9975%1,895
Cost of funding earning assets0.5872%5,234
Net interest margin4.4103%1,207
Noninterest income to average assets0.3037%5,447
Noninterest expense to average assets3.3086%2,258
Loan and lease loss provision to assets0.1736%3,229
Net operating income to assets0.6266%4,235
Return on assets (ROA)1.6055%955
Pretax return on assets1.6706%1,377
Return on Equity (ROE)12.9611%1,414
Retained earnings to average equity (ytd only)9.2830%1,487
Net charge-offs to loans0.2047%2,899
Credit loss provision to net charge-offs133.3333%1,827
Earnings coverage of net charge-offs (x)6.3333%2,227
Efficiency ratio76.9029%2,663
Assets per employee ($millions)3.8084%4,406
Cash dividends to net income (ytd only)*28.3784%2,131
Condition Ratios (%)
Loss allowance to loans1.3521%4,797
Loan loss allowance to noncurrent loans8,150.0000%75
Noncurrent assets plus other real estate owned to assets0.9952%4,507
Noncurrent loans to loans0.0166%6,739
Net loans and leases to total assets62.4514%3,161
Net loans and leases to deposits71.1563%3,562
Net loans and leases to core deposits73.2041%3,991
Total domestic deposits to total assets87.7665%2,490
Equity capital to assets11.9762%2,059
Core capital (leverage) ratio10.2737%3,029
Tier 1 risk-based capital ratio14.9237%3,806
Total risk-based capital ratio16.1723%3,775
Memoranda:
Average total assets$36,874,0006,768
Average earning assets$32,016,0006,794
Average equity$4,567,5006,557
Average total loans$23,453,0006,446
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1496%2,251
Cost of funding earning assets0.7218%5,395
Net interest margin4.4278%1,318
Noninterest income to average assets0.4013%4,605
Noninterest expense to average assets3.4509%2,118
Loan and lease loss provision to assets0.1244%5,052
Net operating income to assets0.5511%4,225
Return on assets (ROA)0.5511%4,412
Pretax return on assets0.5709%4,779
Return on Equity (ROE)4.3858%4,684
Retained earnings to average equity (ytd only)2.2716%4,596
Net charge-offs to loans0.1488%4,954
Credit loss provision to net charge-offs141.9355%2,053
Earnings coverage of net charge-offs (x)7.9355%2,237
Efficiency ratio80.0273%2,296
Assets per employee ($millions)3.9627%3,941
Cash dividends to net income (ytd only)*48.2051%2,147
Condition Ratios (%)
Loss allowance to loans1.4125%4,401
Loan loss allowance to noncurrent loans81.5190%3,606
Noncurrent assets plus other real estate owned to assets1.1076%4,396
Noncurrent loans to loans1.7328%3,569
Net loans and leases to total assets63.0159%3,399
Net loans and leases to deposits72.4337%3,739
Net loans and leases to core deposits74.6793%4,150
Total domestic deposits to total assets86.9981%2,764
Equity capital to assets12.8253%1,583
Core capital (leverage) ratio10.0846%3,241
Tier 1 risk-based capital ratio15.6573%3,233
Total risk-based capital ratio16.9064%3,190
Memoranda:
Average total assets$35,381,8006,816
Average earning assets$29,924,6006,874
Average equity$4,446,2006,616
Average total loans$20,836,0006,619
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1077%2,572
Cost of funding earning assets0.7709%5,329
Net interest margin4.3368%1,595
Noninterest income to average assets0.3134%5,360
Noninterest expense to average assets3.4096%2,166
Loan and lease loss provision to assets0.1435%4,648
Net operating income to assets0.3814%5,075
Return on assets (ROA)0.3814%5,262
Pretax return on assets0.3927%5,494
Return on Equity (ROE)3.0506%5,388
Retained earnings to average equity (ytd only)0.8760%5,657
Net charge-offs to loans0.1901%4,274
Credit loss provision to net charge-offs131.0345%2,429
Earnings coverage of net charge-offs (x)4.8960%2,930
Efficiency ratio83.0622%1,841
Assets per employee ($millions)3.3512%5,362
Cash dividends to net income (ytd only)*71.2907%843
Condition Ratios (%)
Loss allowance to loans1.6436%3,471
Loan loss allowance to noncurrent loans53.8983%4,774
Noncurrent assets plus other real estate owned to assets1.6005%3,684
Noncurrent loans to loans3.0494%2,273
Net loans and leases to total assets51.6236%5,491
Net loans and leases to deposits59.0261%5,744
Net loans and leases to core deposits60.7812%5,924
Total domestic deposits to total assets87.4590%2,374
Equity capital to assets12.2670%2,043
Core capital (leverage) ratio10.2939%3,090
Tier 1 risk-based capital ratio16.5386%2,844
Total risk-based capital ratio17.7725%2,819
Memoranda:
Average total assets$35,311,2506,885
Average earning assets$29,575,7506,941
Average equity$4,414,2506,674
Average total loans$20,346,0006,702
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1118%2,623
Cost of funding earning assets0.7658%5,587
Net interest margin4.3460%1,521
Noninterest income to average assets0.3219%5,322
Noninterest expense to average assets3.4316%2,177
Loan and lease loss provision to assets0.1839%4,082
Net operating income to assets0.4081%4,904
Return on assets (ROA)0.4081%5,062
Pretax return on assets0.4254%5,318
Return on Equity (ROE)3.2432%5,285
Retained earnings to average equity (ytd only)0.9593%5,482
Net charge-offs to loans0.2805%3,480
Credit loss provision to net charge-offs110.3448%2,777
Earnings coverage of net charge-offs (x)3.6552%3,091
Efficiency ratio81.5078%2,171
Assets per employee ($millions)2.8849%6,331
Cash dividends to net income (ytd only)*70.4225%1,024
Condition Ratios (%)
Loss allowance to loans1.5001%4,133
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets59.1756%4,430
Net loans and leases to deposits67.9537%4,715
Net loans and leases to core deposits70.1143%5,061
Total domestic deposits to total assets87.0822%2,697
Equity capital to assets12.7011%1,676
Core capital (leverage) ratio10.1328%3,103
Tier 1 risk-based capital ratio16.0283%2,965
Total risk-based capital ratio17.2763%2,928
Memoranda:
Average total assets$34,794,0006,968
Average earning assets$29,774,3307,004
Average equity$4,378,3306,720
Average total loans$20,678,6706,756
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9726%3,236
Cost of funding earning assets0.8064%5,541
Net interest margin4.1662%2,009
Noninterest income to average assets0.3211%5,351
Noninterest expense to average assets3.3026%2,553
Loan and lease loss provision to assets0.2982%2,775
Net operating income to assets0.2638%5,567
Return on assets (ROA)0.2638%5,629
Pretax return on assets0.2752%5,725
Return on Equity (ROE)2.1057%5,750
Retained earnings to average equity (ytd only)-0.4578%5,878
Net charge-offs to loans0.5626%2,082
Credit loss provision to net charge-offs89.6552%2,945
Earnings coverage of net charge-offs (x)1.7241%3,447
Efficiency ratio81.6568%2,277
Assets per employee ($millions)3.0022%6,137
Cash dividends to net income (ytd only)*121.7391%454
Condition Ratios (%)
Loss allowance to loans1.5012%4,207
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets55.7320%5,042
Net loans and leases to deposits63.5802%5,313
Net loans and leases to core deposits64.7093%5,652
Total domestic deposits to total assets87.6561%2,577
Equity capital to assets12.1190%1,848
Core capital (leverage) ratio10.1778%2,948
Tier 1 risk-based capital ratio16.3170%2,745
Total risk-based capital ratio17.5739%2,707
Memoranda:
Average total assets$34,881,5007,012
Average earning assets$29,763,0007,060
Average equity$4,369,0006,760
Average total loans$20,619,0006,806
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5422%2,118
Cost of funding earning assets1.0263%5,555
Net interest margin4.5158%1,197
Noninterest income to average assets0.3671%5,171
Noninterest expense to average assets3.8313%1,428
Loan and lease loss provision to assets0.2269%5,008
Net operating income to assets0.2670%5,045
Return on assets (ROA)0.2670%5,210
Pretax return on assets0.2737%5,302
Return on Equity (ROE)2.1323%5,336
Retained earnings to average equity (ytd only)-4.7977%6,279
Net charge-offs to loans0.0096%6,735
Credit loss provision to net charge-offs3,400.0000%61
Earnings coverage of net charge-offs (x)75.0000%322
Efficiency ratio85.2851%1,773
Assets per employee ($millions)2.8114%6,508
Cash dividends to net income (ytd only)*325.0000%59
Condition Ratios (%)
Loss allowance to loans1.4817%4,117
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets60.8975%4,510
Net loans and leases to deposits70.1889%4,798
Net loans and leases to core deposits72.5459%5,158
Total domestic deposits to total assets86.7623%2,947
Equity capital to assets12.9591%1,408
Core capital (leverage) ratio10.4339%2,627
Tier 1 risk-based capital ratio16.0528%2,727
Total risk-based capital ratio17.3050%2,683
Memoranda:
Average total assets$29,964,0007,209
Average earning assets$26,307,4007,214
Average equity$3,751,8007,073
Average total loans$20,729,8006,887
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5347%2,312
Cost of funding earning assets1.0569%5,667
Net interest margin4.4777%1,309
Noninterest income to average assets0.4043%4,928
Noninterest expense to average assets3.8500%1,282
Loan and lease loss provision to assets0.2848%4,296
Net operating income to assets0.2159%5,462
Return on assets (ROA)0.2159%5,625
Pretax return on assets0.2205%5,677
Return on Equity (ROE)1.7424%5,691
Retained earnings to average equity (ytd only)-6.7836%6,696
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.3376%1,702
Assets per employee ($millions)2.7389%6,708
Cash dividends to net income (ytd only)*489.3250%20
Condition Ratios (%)
Loss allowance to loans1.2714%5,105
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets72.0601%2,241
Net loans and leases to deposits83.4943%2,791
Net loans and leases to core deposits84.3868%3,887
Total domestic deposits to total assets86.3054%2,915
Equity capital to assets13.2930%1,451
Core capital (leverage) ratio11.0725%2,209
Tier 1 risk-based capital ratio14.5863%3,462
Total risk-based capital ratio15.8337%3,435
Memoranda:
Average total assets$29,020,7507,330
Average earning assets$25,607,7507,332
Average equity$3,596,7507,203
Average total loans$20,698,7506,975
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3534%3,201
Cost of funding earning assets1.0804%5,788
Net interest margin4.2729%1,877
Noninterest income to average assets0.3821%5,068
Noninterest expense to average assets3.6339%1,695
Loan and lease loss provision to assets0.4038%3,299
Net operating income to assets0.1298%5,785
Return on assets (ROA)0.1298%5,892
Pretax return on assets0.1370%5,908
Return on Equity (ROE)1.0781%5,931
Retained earnings to average equity (ytd only)-11.4993%6,974
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.1105%1,909
Assets per employee ($millions)2.6075%6,941
Cash dividends to net income (ytd only)*1,166.6667%15
Condition Ratios (%)
Loss allowance to loans1.2749%5,059
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets73.9949%1,909
Net loans and leases to deposits86.2695%2,468
Net loans and leases to core deposits87.2447%3,656
Total domestic deposits to total assets85.7718%3,220
Equity capital to assets13.9342%1,183
Core capital (leverage) ratio12.5459%1,392
Tier 1 risk-based capital ratio15.2885%3,015
Total risk-based capital ratio16.5382%2,975
Memoranda:
Average total assets$27,738,6707,422
Average earning assets$24,620,0007,417
Average equity$3,339,3307,315
Average total loans$19,602,0007,089
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4192%2,946
Cost of funding earning assets1.1319%5,751
Net interest margin4.2873%1,721
Noninterest income to average assets0.3698%5,185
Noninterest expense to average assets3.0813%3,344
Loan and lease loss provision to assets0.0462%6,206
Net operating income to assets1.0476%2,012
Return on assets (ROA)1.0476%2,073
Pretax return on assets1.0939%2,754
Return on Equity (ROE)9.6147%2,241
Retained earnings to average equity (ytd only)0.5656%5,601
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.0730%4,289
Assets per employee ($millions)3.7351%4,481
Cash dividends to net income (ytd only)*94.1176%652
Condition Ratios (%)
Loss allowance to loans1.3680%4,586
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets67.8345%3,430
Net loans and leases to deposits76.2642%4,362
Net loans and leases to core deposits77.2608%5,110
Total domestic deposits to total assets88.9467%1,544
Equity capital to assets10.8277%2,930
Core capital (leverage) ratio8.8306%4,819
Tier 1 risk-based capital ratio12.0803%5,106
Total risk-based capital ratio13.3333%5,074
Memoranda:
Average total assets$25,963,0007,568
Average earning assets$23,324,5007,557
Average equity$2,829,0007,545
Average total loans$17,677,0007,275
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9065%2,201
Cost of funding earning assets1.5715%5,175
Net interest margin4.3350%1,617
Noninterest income to average assets0.4330%4,928
Noninterest expense to average assets3.1992%3,380
Loan and lease loss provision to assets0.0481%7,083
Net operating income to assets1.0584%1,634
Return on assets (ROA)1.0584%1,676
Pretax return on assets1.0784%2,313
Return on Equity (ROE)9.7223%1,773
Retained earnings to average equity (ytd only)6.9603%971
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8990%4,457
Assets per employee ($millions)3.6829%4,558
Cash dividends to net income (ytd only)*28.4091%3,392
Condition Ratios (%)
Loss allowance to loans1.3988%4,244
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1746%7,044
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets66.4430%4,047
Net loans and leases to deposits74.8841%4,895
Net loans and leases to core deposits91.3498%4,967
Total domestic deposits to total assets88.7277%1,616
Equity capital to assets10.9659%2,732
Core capital (leverage) ratio8.8323%4,717
Tier 1 risk-based capital ratio11.5517%5,344
Total risk-based capital ratio12.7987%5,308
Memoranda:
Average total assets$24,944,0007,640
Average earning assets$22,399,0007,635
Average equity$2,715,4007,670
Average total loans$16,988,8007,353
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9660%2,167
Cost of funding earning assets1.5982%5,410
Net interest margin4.3679%1,538
Noninterest income to average assets0.4150%5,172
Noninterest expense to average assets3.3312%2,801
Loan and lease loss provision to assets0.0485%6,885
Net operating income to assets0.9487%2,238
Return on assets (ROA)0.9487%2,301
Pretax return on assets0.9541%3,046
Return on Equity (ROE)8.7315%2,364
Retained earnings to average equity (ytd only)5.0106%2,484
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.7562%3,906
Assets per employee ($millions)3.4651%5,014
Cash dividends to net income (ytd only)*42.6148%2,333
Condition Ratios (%)
Loss allowance to loans1.4148%3,867
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1896%7,054
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets68.9438%3,722
Net loans and leases to deposits78.2436%4,705
Net loans and leases to core deposits98.1282%4,585
Total domestic deposits to total assets88.1143%1,605
Equity capital to assets11.2879%2,758
Core capital (leverage) ratio8.8319%4,930
Tier 1 risk-based capital ratio11.5142%5,411
Total risk-based capital ratio12.7651%5,366
Memoranda:
Average total assets$24,735,0007,718
Average earning assets$22,191,7507,714
Average equity$2,687,5007,758
Average total loans$16,893,0007,426
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9726%2,292
Cost of funding earning assets1.6232%5,649
Net interest margin4.3495%1,524
Noninterest income to average assets0.4178%5,138
Noninterest expense to average assets3.3260%2,866
Loan and lease loss provision to assets0.0482%6,753
Net operating income to assets0.9400%2,311
Return on assets (ROA)0.9400%2,406
Pretax return on assets0.9400%3,210
Return on Equity (ROE)8.7618%2,443
Retained earnings to average equity (ytd only)5.0175%2,493
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9292%4,043
Assets per employee ($millions)3.5624%4,655
Cash dividends to net income (ytd only)*42.7350%2,316
Condition Ratios (%)
Loss allowance to loans1.4107%3,668
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1845%7,072
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets66.4194%4,475
Net loans and leases to deposits74.8272%5,341
Net loans and leases to core deposits91.6704%5,382
Total domestic deposits to total assets88.7637%1,397
Equity capital to assets10.8473%3,059
Core capital (leverage) ratio8.3521%5,709
Tier 1 risk-based capital ratio11.2271%5,663
Total risk-based capital ratio12.4709%5,584
Memoranda:
Average total assets$24,894,6707,791
Average earning assets$22,301,6707,779
Average equity$2,670,6707,831
Average total loans$16,869,6707,493
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9239%2,675
Cost of funding earning assets1.6695%5,742
Net interest margin4.2545%1,730
Noninterest income to average assets0.4503%4,764
Noninterest expense to average assets3.3610%2,468
Loan and lease loss provision to assets0.0482%6,368
Net operating income to assets0.9006%2,703
Return on assets (ROA)0.9006%2,856
Pretax return on assets0.8523%3,879
Return on Equity (ROE)8.4417%2,947
Retained earnings to average equity (ytd only)4.6731%3,322
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.8491%3,517
Assets per employee ($millions)3.6170%4,531
Cash dividends to net income (ytd only)*44.6429%1,934
Condition Ratios (%)
Loss allowance to loans1.3639%3,714
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1856%6,981
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets66.8391%4,379
Net loans and leases to deposits75.0432%5,336
Net loans and leases to core deposits90.9937%5,458
Total domestic deposits to total assets89.0675%1,198
Equity capital to assets10.5415%3,422
Core capital (leverage) ratio8.1896%6,129
Tier 1 risk-based capital ratio10.8634%6,029
Total risk-based capital ratio12.1144%5,936
Memoranda:
Average total assets$24,873,5007,839
Average earning assets$22,282,5007,832
Average equity$2,653,5007,883
Average total loans$16,904,5007,536
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7436%1,890
Cost of funding earning assets2.4518%4,465
Net interest margin4.2918%2,006
Noninterest income to average assets0.4429%5,088
Noninterest expense to average assets3.3973%2,690
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.5633%4,467
Return on assets (ROA)0.5633%4,323
Pretax return on assets0.8472%3,896
Return on Equity (ROE)5.0199%4,381
Retained earnings to average equity (ytd only)2.7207%3,488
Net charge-offs to loans0.0060%6,881
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)197.0000%240
Efficiency ratio76.6971%3,119
Assets per employee ($millions)3.4897%4,700
Cash dividends to net income (ytd only)*45.8015%3,352
Condition Ratios (%)
Loss allowance to loans1.3872%3,274
Loan loss allowance to noncurrent loans7,700.0000%91
Noncurrent assets plus other real estate owned to assets0.2047%6,752
Noncurrent loans to loans0.0180%7,456
Net loans and leases to total assets67.2220%4,597
Net loans and leases to deposits75.7951%5,609
Net loans and leases to core deposits88.7334%5,916
Total domestic deposits to total assets88.6892%1,157
Equity capital to assets10.7991%3,207
Core capital (leverage) ratio8.2019%6,162
Tier 1 risk-based capital ratio10.3782%6,335
Total risk-based capital ratio11.5817%6,262
Memoranda:
Average total assets$23,253,8007,902
Average earning assets$20,597,2007,910
Average equity$2,609,6007,948
Average total loans$16,594,0007,548