Home > The First State Bank of Dongola > Performance and Condition Ratios

The First State Bank of Dongola, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9299%1,542
Cost of funding earning assets0.3420%2,009
Net interest margin3.5878%1,501
Noninterest income to average assets0.9004%1,194
Noninterest expense to average assets3.1109%831
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.0467%2,492
Return on assets (ROA)1.0467%2,570
Pretax return on assets1.0630%3,094
Return on Equity (ROE)10.5119%2,345
Retained earnings to average equity (ytd only)5.3865%2,627
Net charge-offs to loans-0.0065%3,616
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.5327%1,251
Assets per employee ($millions)3.9273%4,449
Cash dividends to net income (ytd only)*48.7578%1,579
Condition Ratios (%)
Loss allowance to loans1.2433%2,657
Loan loss allowance to noncurrent loans157.1429%2,911
Noncurrent assets plus other real estate owned to assets0.9644%589
Noncurrent loans to loans0.7912%1,285
Net loans and leases to total assets50.0573%3,269
Net loans and leases to deposits58.7267%3,195
Net loans and leases to core deposits58.7267%3,418
Total domestic deposits to total assets85.2378%3,196
Equity capital to assets9.7906%2,860
Core capital (leverage) ratio9.9564%2,410
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.4875%826
Memoranda:
Average total assets$30,762,4004,738
Average earning assets$28,067,2004,727
Average equity$3,063,2004,762
Average total loans$15,436,2004,642
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0319%1,465
Cost of funding earning assets0.3552%2,063
Net interest margin3.6767%1,392
Noninterest income to average assets1.0588%978
Noninterest expense to average assets3.0415%901
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.3334%1,728
Return on assets (ROA)1.3334%1,783
Pretax return on assets1.3552%2,479
Return on Equity (ROE)13.3330%1,603
Retained earnings to average equity (ytd only)8.8015%1,769
Net charge-offs to loans-0.0087%3,615
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.1774%1,687
Assets per employee ($millions)3.8373%4,529
Cash dividends to net income (ytd only)*33.9869%1,901
Condition Ratios (%)
Loss allowance to loans1.2669%2,644
Loan loss allowance to noncurrent loans110.6145%3,292
Noncurrent assets plus other real estate owned to assets1.5148%323
Noncurrent loans to loans1.1453%982
Net loans and leases to total assets50.2671%3,383
Net loans and leases to deposits59.3546%3,286
Net loans and leases to core deposits59.3546%3,524
Total domestic deposits to total assets84.6896%3,224
Equity capital to assets10.2059%2,704
Core capital (leverage) ratio10.1730%2,336
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.8396%845
Memoranda:
Average total assets$30,598,5004,809
Average earning assets$27,778,0004,799
Average equity$3,060,0004,835
Average total loans$15,314,0004,711
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2216%1,147
Cost of funding earning assets0.3680%2,155
Net interest margin3.8536%1,059
Noninterest income to average assets1.1385%876
Noninterest expense to average assets3.0296%938
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.5769%1,098
Return on assets (ROA)1.5769%1,159
Pretax return on assets1.6031%1,726
Return on Equity (ROE)15.8779%977
Retained earnings to average equity (ytd only)9.0260%1,700
Net charge-offs to loans-0.0132%3,796
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.3955%2,238
Assets per employee ($millions)3.8704%4,512
Cash dividends to net income (ytd only)*43.1535%1,466
Condition Ratios (%)
Loss allowance to loans1.3485%2,195
Loan loss allowance to noncurrent loans109.3923%3,254
Noncurrent assets plus other real estate owned to assets1.5083%377
Noncurrent loans to loans1.2327%972
Net loans and leases to total assets46.7816%3,847
Net loans and leases to deposits55.0551%3,790
Net loans and leases to core deposits55.0551%3,966
Total domestic deposits to total assets84.9724%3,105
Equity capital to assets9.8989%2,945
Core capital (leverage) ratio9.9252%2,470
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.2971%665
Memoranda:
Average total assets$30,565,3334,843
Average earning assets$27,714,3334,831
Average equity$3,035,6674,869
Average total loans$15,209,0004,751
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5776%694
Cost of funding earning assets0.3668%2,383
Net interest margin4.2108%590
Noninterest income to average assets1.5807%556
Noninterest expense to average assets2.9638%1,047
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets2.3579%339
Return on assets (ROA)2.3579%359
Pretax return on assets2.3974%522
Return on Equity (ROE)23.7008%308
Retained earnings to average equity (ytd only)21.8471%210
Net charge-offs to loans-0.0259%4,111
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.2826%3,637
Assets per employee ($millions)3.9676%4,499
Cash dividends to net income (ytd only)*7.8212%2,292
Condition Ratios (%)
Loss allowance to loans1.2823%2,512
Loan loss allowance to noncurrent loans103.6649%3,291
Noncurrent assets plus other real estate owned to assets1.4587%446
Noncurrent loans to loans1.2370%1,061
Net loans and leases to total assets48.0231%3,816
Net loans and leases to deposits55.2663%3,844
Net loans and leases to core deposits55.2663%4,027
Total domestic deposits to total assets86.8939%2,350
Equity capital to assets9.7067%2,992
Core capital (leverage) ratio10.4412%2,126
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.2992%876
Memoranda:
Average total assets$30,366,5004,871
Average earning assets$27,263,0004,857
Average equity$3,021,0004,893
Average total loans$15,472,0004,776
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5422%1,209
Cost of funding earning assets0.4737%3,124
Net interest margin4.0685%838
Noninterest income to average assets0.6967%1,871
Noninterest expense to average assets3.6260%580
Loan and lease loss provision to assets0.0146%4,191
Net operating income to assets0.7729%3,196
Return on assets (ROA)0.9302%2,708
Pretax return on assets0.9448%3,237
Return on Equity (ROE)8.8101%2,466
Retained earnings to average equity (ytd only)3.7659%2,939
Net charge-offs to loans-0.1272%4,846
Credit loss provision to net charge-offs-20.0000%3,673
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.9456%749
Assets per employee ($millions)3.6240%4,597
Cash dividends to net income (ytd only)*57.2549%1,489
Condition Ratios (%)
Loss allowance to loans1.2707%2,570
Loan loss allowance to noncurrent loans100.5102%3,335
Noncurrent assets plus other real estate owned to assets1.6142%427
Noncurrent loans to loans1.2643%1,084
Net loans and leases to total assets52.7939%3,601
Net loans and leases to deposits61.3467%3,650
Net loans and leases to core deposits61.3467%3,866
Total domestic deposits to total assets86.0582%2,339
Equity capital to assets10.2132%2,923
Core capital (leverage) ratio10.1667%2,446
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.1628%879
Memoranda:
Average total assets$27,413,2004,892
Average earning assets$25,120,0004,881
Average equity$2,894,4004,917
Average total loans$15,726,0004,789
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6415%1,200
Cost of funding earning assets0.4925%3,271
Net interest margin4.1490%809
Noninterest income to average assets0.7205%1,736
Noninterest expense to average assets3.6271%595
Loan and lease loss provision to assets0.0185%4,096
Net operating income to assets0.8852%2,754
Return on assets (ROA)1.0758%2,194
Pretax return on assets1.0906%2,778
Return on Equity (ROE)10.1002%1,980
Retained earnings to average equity (ytd only)5.7451%2,212
Net charge-offs to loans-0.1267%4,861
Credit loss provision to net charge-offs-26.6667%3,513
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.8046%879
Assets per employee ($millions)3.1788%4,791
Cash dividends to net income (ytd only)*43.1193%1,800
Condition Ratios (%)
Loss allowance to loans1.2002%2,663
Loan loss allowance to noncurrent loans6,400.0000%134
Noncurrent assets plus other real estate owned to assets0.9612%1,165
Noncurrent loans to loans0.0188%4,346
Net loans and leases to total assets55.2483%3,685
Net loans and leases to deposits64.3908%3,766
Net loans and leases to core deposits64.3908%3,994
Total domestic deposits to total assets85.8017%2,150
Equity capital to assets10.3744%2,897
Core capital (leverage) ratio10.2990%2,433
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.0102%913
Memoranda:
Average total assets$27,018,5004,926
Average earning assets$24,905,0004,914
Average equity$2,877,7504,945
Average total loans$15,781,7504,822
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6890%1,435
Cost of funding earning assets0.4828%3,637
Net interest margin4.2062%908
Noninterest income to average assets0.7550%1,565
Noninterest expense to average assets3.5940%660
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.0282%2,226
Return on assets (ROA)1.1628%1,880
Pretax return on assets1.1779%2,438
Return on Equity (ROE)10.8159%1,698
Retained earnings to average equity (ytd only)7.0233%1,656
Net charge-offs to loans-0.1782%4,926
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.5244%1,098
Assets per employee ($millions)3.2136%4,783
Cash dividends to net income (ytd only)*35.0649%2,133
Condition Ratios (%)
Loss allowance to loans1.1675%2,687
Loan loss allowance to noncurrent loans6,233.3333%117
Noncurrent assets plus other real estate owned to assets0.9716%1,240
Noncurrent loans to loans0.0187%4,425
Net loans and leases to total assets54.7334%3,813
Net loans and leases to deposits63.6459%3,906
Net loans and leases to core deposits63.6459%4,097
Total domestic deposits to total assets85.9968%2,010
Equity capital to assets10.2033%3,016
Core capital (leverage) ratio9.8390%2,981
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.8734%924
Memoranda:
Average total assets$26,488,3334,959
Average earning assets$24,440,3334,948
Average equity$2,847,6674,976
Average total loans$15,709,6674,853
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0056%953
Cost of funding earning assets0.5504%3,688
Net interest margin4.4551%558
Noninterest income to average assets0.9180%1,031
Noninterest expense to average assets3.7513%661
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.2504%1,377
Return on assets (ROA)1.2504%1,480
Pretax return on assets1.2662%1,974
Return on Equity (ROE)11.3019%1,328
Retained earnings to average equity (ytd only)9.2990%896
Net charge-offs to loans-0.3600%4,996
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.7634%1,716
Assets per employee ($millions)3.2408%4,670
Cash dividends to net income (ytd only)*17.7215%2,378
Condition Ratios (%)
Loss allowance to loans1.2171%2,576
Loan loss allowance to noncurrent loans4,675.0000%142
Noncurrent assets plus other real estate owned to assets1.0183%1,291
Noncurrent loans to loans0.0260%4,464
Net loans and leases to total assets58.5397%3,633
Net loans and leases to deposits65.8210%3,876
Net loans and leases to core deposits65.8210%4,093
Total domestic deposits to total assets88.9377%688
Equity capital to assets10.7421%3,102
Core capital (leverage) ratio11.1634%2,338
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.7253%895
Memoranda:
Average total assets$25,271,5005,015
Average earning assets$23,254,0005,004
Average equity$2,796,0005,023
Average total loans$15,556,0004,891
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1355%1,141
Cost of funding earning assets0.5488%3,881
Net interest margin4.5867%592
Noninterest income to average assets0.8252%1,368
Noninterest expense to average assets3.8983%601
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.0895%2,478
Return on assets (ROA)1.0935%2,571
Pretax return on assets1.1097%3,133
Return on Equity (ROE)9.7563%2,411
Retained earnings to average equity (ytd only)5.4040%2,226
Net charge-offs to loans-0.0065%4,379
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.9041%1,162
Assets per employee ($millions)3.0771%4,781
Cash dividends to net income (ytd only)*44.6097%2,359
Condition Ratios (%)
Loss allowance to loans1.0986%2,965
Loan loss allowance to noncurrent loans2,162.5000%301
Noncurrent assets plus other real estate owned to assets1.0481%1,187
Noncurrent loans to loans0.0508%4,342
Net loans and leases to total assets63.2693%3,281
Net loans and leases to deposits71.7180%3,539
Net loans and leases to core deposits71.7180%3,873
Total domestic deposits to total assets88.2195%1,024
Equity capital to assets11.4027%2,622
Core capital (leverage) ratio11.1526%2,373
Tier 1 risk-based capital ratio18.8318%1,561
Total risk-based capital ratio19.9933%1,541
Memoranda:
Average total assets$24,600,2005,078
Average earning assets$22,412,6005,068
Average equity$2,757,2005,084
Average total loans$15,354,8004,960
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0640%1,377
Cost of funding earning assets0.5487%3,933
Net interest margin4.5153%743
Noninterest income to average assets0.7969%1,426
Noninterest expense to average assets3.7404%708
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.1438%2,393
Return on assets (ROA)1.1492%2,461
Pretax return on assets1.1655%3,086
Return on Equity (ROE)10.2982%2,306
Retained earnings to average equity (ytd only)7.4808%1,634
Net charge-offs to loans-0.0262%4,656
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.3274%1,292
Assets per employee ($millions)3.1374%4,809
Cash dividends to net income (ytd only)*27.3580%2,731
Condition Ratios (%)
Loss allowance to loans1.1344%2,853
Loan loss allowance to noncurrent loans149.5726%2,604
Noncurrent assets plus other real estate owned to assets1.4622%782
Noncurrent loans to loans0.7585%2,068
Net loans and leases to total assets60.7634%3,616
Net loans and leases to deposits68.6735%3,866
Net loans and leases to core deposits68.6735%4,126
Total domestic deposits to total assets88.4816%836
Equity capital to assets11.1996%2,926
Core capital (leverage) ratio11.5536%2,181
Tier 1 risk-based capital ratio19.6258%1,434
Total risk-based capital ratio20.8476%1,408
Memoranda:
Average total assets$24,596,0005,155
Average earning assets$22,353,2505,144
Average equity$2,744,7505,162
Average total loans$15,256,5005,037
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0333%1,387
Cost of funding earning assets0.5483%3,883
Net interest margin4.4851%798
Noninterest income to average assets0.7778%1,419
Noninterest expense to average assets3.6761%775
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.1708%2,254
Return on assets (ROA)1.1708%2,330
Pretax return on assets1.1871%2,949
Return on Equity (ROE)10.5044%2,173
Retained earnings to average equity (ytd only)9.9167%786
Net charge-offs to loans-0.0263%4,640
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.5892%1,449
Assets per employee ($millions)3.0195%4,895
Cash dividends to net income (ytd only)*5.5944%3,360
Condition Ratios (%)
Loss allowance to loans1.1753%2,649
Loan loss allowance to noncurrent loans145.0000%2,700
Noncurrent assets plus other real estate owned to assets1.6725%634
Noncurrent loans to loans0.8105%1,973
Net loans and leases to total assets60.5688%3,690
Net loans and leases to deposits68.7741%3,921
Net loans and leases to core deposits68.7741%4,172
Total domestic deposits to total assets88.0692%1,075
Equity capital to assets11.5623%2,567
Core capital (leverage) ratio11.4677%2,195
Tier 1 risk-based capital ratio21.2098%1,153
Total risk-based capital ratio22.4561%1,135
Memoranda:
Average total assets$24,428,3305,204
Average earning assets$22,251,6705,193
Average equity$2,722,6705,204
Average total loans$15,200,0005,084
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0080%1,325
Cost of funding earning assets0.5366%3,884
Net interest margin4.4715%782
Noninterest income to average assets0.7490%1,436
Noninterest expense to average assets3.6638%789
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.1399%2,312
Return on assets (ROA)1.1399%2,363
Pretax return on assets1.1561%2,958
Return on Equity (ROE)10.4186%2,185
Retained earnings to average equity (ytd only)9.3767%1,198
Net charge-offs to loans-0.0520%4,843
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.0135%1,495
Assets per employee ($millions)3.0875%4,929
Cash dividends to net income (ytd only)*10.0000%2,646
Condition Ratios (%)
Loss allowance to loans1.1376%2,921
Loan loss allowance to noncurrent loans125.1799%2,991
Noncurrent assets plus other real estate owned to assets1.5951%722
Noncurrent loans to loans0.9087%1,838
Net loans and leases to total assets61.2227%3,578
Net loans and leases to deposits68.9998%3,841
Net loans and leases to core deposits68.9998%4,130
Total domestic deposits to total assets88.7287%986
Equity capital to assets11.0081%2,844
Core capital (leverage) ratio11.0533%2,527
Tier 1 risk-based capital ratio20.6032%1,229
Total risk-based capital ratio21.8535%1,205
Memoranda:
Average total assets$24,564,5005,261
Average earning assets$22,364,0005,246
Average equity$2,687,5005,260
Average total loans$15,397,5005,141
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6834%1,885
Cost of funding earning assets0.4963%3,386
Net interest margin4.1871%1,425
Noninterest income to average assets0.7084%1,823
Noninterest expense to average assets3.5987%874
Loan and lease loss provision to assets0.1174%1,873
Net operating income to assets0.8056%3,790
Return on assets (ROA)0.8056%3,786
Pretax return on assets0.8177%4,122
Return on Equity (ROE)7.5977%3,617
Retained earnings to average equity (ytd only)4.3907%3,126
Net charge-offs to loans0.1468%1,304
Credit loss provision to net charge-offs126.0870%2,086
Earnings coverage of net charge-offs (x)10.0435%2,760
Efficiency ratio79.3750%1,010
Assets per employee ($millions)2.7143%5,133
Cash dividends to net income (ytd only)*42.2111%2,396
Condition Ratios (%)
Loss allowance to loans1.1097%3,036
Loan loss allowance to noncurrent loans123.7410%3,067
Noncurrent assets plus other real estate owned to assets1.6415%671
Noncurrent loans to loans0.8968%1,790
Net loans and leases to total assets62.7410%3,489
Net loans and leases to deposits70.5923%3,786
Net loans and leases to core deposits70.5923%4,092
Total domestic deposits to total assets88.8780%911
Equity capital to assets10.8723%2,820
Core capital (leverage) ratio10.7054%2,829
Tier 1 risk-based capital ratio19.9549%1,317
Total risk-based capital ratio21.2021%1,288
Memoranda:
Average total assets$24,703,6005,302
Average earning assets$22,569,2005,293
Average equity$2,619,2005,312
Average total loans$15,670,2005,175
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6075%1,956
Cost of funding earning assets0.4890%3,264
Net interest margin4.1185%1,575
Noninterest income to average assets0.7051%1,843
Noninterest expense to average assets3.4769%1,010
Loan and lease loss provision to assets0.1561%1,253
Net operating income to assets0.8235%3,831
Return on assets (ROA)0.8235%3,841
Pretax return on assets0.8342%4,213
Return on Equity (ROE)7.8157%3,620
Retained earnings to average equity (ytd only)7.7138%1,786
Net charge-offs to loans0.0679%1,866
Credit loss provision to net charge-offs362.5000%873
Earnings coverage of net charge-offs (x)22.9925%1,857
Efficiency ratio77.8313%1,137
Assets per employee ($millions)3.1783%4,904
Cash dividends to net income (ytd only)*1.3089%3,579
Condition Ratios (%)
Loss allowance to loans1.1687%2,801
Loan loss allowance to noncurrent loans59.5541%4,213
Noncurrent assets plus other real estate owned to assets2.3126%400
Noncurrent loans to loans1.9624%763
Net loans and leases to total assets62.1962%3,636
Net loans and leases to deposits69.7205%3,937
Net loans and leases to core deposits69.7205%4,210
Total domestic deposits to total assets89.2079%771
Equity capital to assets10.5876%3,055
Core capital (leverage) ratio10.7358%2,852
Tier 1 risk-based capital ratio19.5370%1,431
Total risk-based capital ratio20.7853%1,397
Memoranda:
Average total assets$24,772,2505,369
Average earning assets$22,629,0005,361
Average equity$2,610,0005,382
Average total loans$15,713,0005,240
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4943%2,103
Cost of funding earning assets0.4895%3,094
Net interest margin4.0049%1,841
Noninterest income to average assets0.7086%1,839
Noninterest expense to average assets3.4291%1,100
Loan and lease loss provision to assets0.2199%742
Net operating income to assets0.7168%4,149
Return on assets (ROA)0.7168%4,155
Pretax return on assets0.7249%4,446
Return on Equity (ROE)6.8147%3,956
Retained earnings to average equity (ytd only)6.5823%2,265
Net charge-offs to loans0.1537%1,007
Credit loss provision to net charge-offs225.0000%1,207
Earnings coverage of net charge-offs (x)9.6667%2,379
Efficiency ratio78.3985%1,169
Assets per employee ($millions)3.1048%5,013
Cash dividends to net income (ytd only)*3.4091%3,425
Condition Ratios (%)
Loss allowance to loans1.1682%2,891
Loan loss allowance to noncurrent loans60.3333%4,212
Noncurrent assets plus other real estate owned to assets2.3110%401
Noncurrent loans to loans1.9362%789
Net loans and leases to total assets61.6515%3,643
Net loans and leases to deposits69.1425%3,936
Net loans and leases to core deposits69.1425%4,195
Total domestic deposits to total assets89.1658%862
Equity capital to assets10.5685%3,053
Core capital (leverage) ratio10.6967%2,812
Tier 1 risk-based capital ratio20.0107%1,316
Total risk-based capital ratio21.2599%1,291
Memoranda:
Average total assets$24,554,3305,434
Average earning assets$22,472,6705,424
Average equity$2,582,6705,445
Average total loans$15,617,0005,304
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4259%2,108
Cost of funding earning assets0.5017%2,782
Net interest margin3.9242%1,949
Noninterest income to average assets0.7865%1,497
Noninterest expense to average assets3.3425%1,263
Loan and lease loss provision to assets0.3605%333
Net operating income to assets0.6554%4,260
Return on assets (ROA)0.6554%4,271
Pretax return on assets0.6718%4,513
Return on Equity (ROE)6.2463%4,081
Retained earnings to average equity (ytd only)5.6217%2,886
Net charge-offs to loans0.2551%604
Credit loss provision to net charge-offs220.0000%982
Earnings coverage of net charge-offs (x)6.3000%2,167
Efficiency ratio76.4045%1,540
Assets per employee ($millions)3.0056%5,149
Cash dividends to net income (ytd only)*10.0000%2,592
Condition Ratios (%)
Loss allowance to loans1.1639%3,014
Loan loss allowance to noncurrent loans51.7442%4,423
Noncurrent assets plus other real estate owned to assets2.5702%355
Noncurrent loans to loans2.2492%657
Net loans and leases to total assets62.8655%3,437
Net loans and leases to deposits70.5992%3,735
Net loans and leases to core deposits70.5992%4,052
Total domestic deposits to total assets89.0455%1,071
Equity capital to assets10.7091%2,860
Core capital (leverage) ratio10.6934%2,747
Tier 1 risk-based capital ratio20.0000%1,346
Total risk-based capital ratio21.2495%1,315
Memoranda:
Average total assets$24,412,5005,493
Average earning assets$22,323,0005,482
Average equity$2,561,5005,507
Average total loans$15,678,5005,365
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4665%1,824
Cost of funding earning assets0.5257%2,131
Net interest margin3.9408%1,954
Noninterest income to average assets0.6592%2,142
Noninterest expense to average assets3.6898%806
Loan and lease loss provision to assets0.0166%3,963
Net operating income to assets0.5182%4,332
Return on assets (ROA)0.5182%4,368
Pretax return on assets0.5265%4,884
Return on Equity (ROE)4.9399%4,185
Retained earnings to average equity (ytd only)2.7664%3,654
Net charge-offs to loans0.2308%1,119
Credit loss provision to net charge-offs10.8108%3,660
Earnings coverage of net charge-offs (x)3.5405%3,590
Efficiency ratio87.1694%577
Assets per employee ($millions)3.0975%5,126
Cash dividends to net income (ytd only)*44.0000%2,648
Condition Ratios (%)
Loss allowance to loans1.0334%3,717
Loan loss allowance to noncurrent loans49.2582%4,512
Noncurrent assets plus other real estate owned to assets2.4657%385
Noncurrent loans to loans2.0980%713
Net loans and leases to total assets64.1525%3,348
Net loans and leases to deposits71.6985%3,730
Net loans and leases to core deposits73.2581%3,944
Total domestic deposits to total assets89.4754%789
Equity capital to assets10.2825%3,402
Core capital (leverage) ratio10.2229%3,161
Tier 1 risk-based capital ratio18.7362%1,577
Total risk-based capital ratio19.9559%1,541
Memoranda:
Average total assets$24,120,4005,555
Average earning assets$21,874,0005,544
Average equity$2,530,4005,568
Average total loans$16,033,8005,420
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4485%1,789
Cost of funding earning assets0.5291%2,043
Net interest margin3.9193%1,970
Noninterest income to average assets0.6345%2,286
Noninterest expense to average assets3.5176%966
Loan and lease loss provision to assets0.0222%3,701
Net operating income to assets0.6289%4,278
Return on assets (ROA)0.6289%4,329
Pretax return on assets0.6401%4,758
Return on Equity (ROE)5.9644%4,139
Retained earnings to average equity (ytd only)4.4339%3,262
Net charge-offs to loans-0.0167%4,789
Credit loss provision to net charge-offs-200.0000%4,623
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.1545%741
Assets per employee ($millions)3.0400%5,231
Cash dividends to net income (ytd only)*25.6671%2,919
Condition Ratios (%)
Loss allowance to loans1.2853%2,432
Loan loss allowance to noncurrent loans52.9563%4,490
Noncurrent assets plus other real estate owned to assets2.7262%353
Noncurrent loans to loans2.4272%643
Net loans and leases to total assets65.0535%3,239
Net loans and leases to deposits72.8273%3,684
Net loans and leases to core deposits74.4448%3,937
Total domestic deposits to total assets89.3257%735
Equity capital to assets10.5345%3,338
Core capital (leverage) ratio10.6381%2,839
Tier 1 risk-based capital ratio18.7550%1,660
Total risk-based capital ratio20.0059%1,604
Memoranda:
Average total assets$23,955,5005,622
Average earning assets$21,669,7505,612
Average equity$2,526,0005,629
Average total loans$16,026,5005,480
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4182%1,762
Cost of funding earning assets0.5291%1,928
Net interest margin3.8891%1,971
Noninterest income to average assets0.7049%1,963
Noninterest expense to average assets3.5579%923
Loan and lease loss provision to assets0.0336%3,319
Net operating income to assets0.6210%4,211
Return on assets (ROA)0.6210%4,257
Pretax return on assets0.6294%4,742
Return on Equity (ROE)5.8870%4,096
Retained earnings to average equity (ytd only)5.5688%2,373
Net charge-offs to loans0.0250%2,717
Credit loss provision to net charge-offs200.0000%1,260
Earnings coverage of net charge-offs (x)39.5000%1,259
Efficiency ratio84.2942%822
Assets per employee ($millions)3.0256%5,247
Cash dividends to net income (ytd only)*5.4054%3,463
Condition Ratios (%)
Loss allowance to loans1.2829%2,497
Loan loss allowance to noncurrent loans53.1579%4,510
Noncurrent assets plus other real estate owned to assets2.7019%369
Noncurrent loans to loans2.4133%641
Net loans and leases to total assets64.2181%3,358
Net loans and leases to deposits71.9363%3,748
Net loans and leases to core deposits73.5289%3,976
Total domestic deposits to total assets89.2708%820
Equity capital to assets10.5309%3,300
Core capital (leverage) ratio10.6645%2,745
Tier 1 risk-based capital ratio18.7060%1,665
Total risk-based capital ratio19.9531%1,631
Memoranda:
Average total assets$23,834,0005,667
Average earning assets$21,547,3305,659
Average equity$2,514,0005,677
Average total loans$16,026,3305,528
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4457%1,510
Cost of funding earning assets0.5252%1,900
Net interest margin3.9205%1,706
Noninterest income to average assets0.6766%2,056
Noninterest expense to average assets3.5013%1,041
Loan and lease loss provision to assets0.0677%2,458
Net operating income to assets0.6258%4,039
Return on assets (ROA)0.6258%4,087
Pretax return on assets0.6427%4,618
Return on Equity (ROE)5.9283%3,956
Retained earnings to average equity (ytd only)5.2874%2,742
Net charge-offs to loans0.0742%1,592
Credit loss provision to net charge-offs133.3333%1,294
Earnings coverage of net charge-offs (x)14.0000%1,748
Efficiency ratio83.1325%1,050
Assets per employee ($millions)2.9903%5,359
Cash dividends to net income (ytd only)*10.8108%2,685
Condition Ratios (%)
Loss allowance to loans1.2500%2,819
Loan loss allowance to noncurrent loans48.6683%4,676
Noncurrent assets plus other real estate owned to assets2.8718%359
Noncurrent loans to loans2.5684%599
Net loans and leases to total assets66.3782%2,918
Net loans and leases to deposits74.3051%3,370
Net loans and leases to core deposits75.9688%3,653
Total domestic deposits to total assets89.3320%987
Equity capital to assets10.5050%3,182
Core capital (leverage) ratio10.7173%2,674
Tier 1 risk-based capital ratio17.8696%1,919
Total risk-based capital ratio19.1211%1,873
Memoranda:
Average total assets$23,648,5005,741
Average earning assets$21,324,0005,728
Average equity$2,496,5005,743
Average total loans$16,166,5005,586
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5515%1,402
Cost of funding earning assets0.5569%1,625
Net interest margin3.9946%1,645
Noninterest income to average assets0.7768%1,846
Noninterest expense to average assets3.6941%894
Loan and lease loss provision to assets0.0949%2,468
Net operating income to assets0.5696%4,348
Return on assets (ROA)0.5696%4,453
Pretax return on assets0.5783%4,847
Return on Equity (ROE)5.3777%4,241
Retained earnings to average equity (ytd only)3.0147%3,758
Net charge-offs to loans0.1590%1,688
Credit loss provision to net charge-offs84.6154%2,902
Earnings coverage of net charge-offs (x)6.0000%3,246
Efficiency ratio84.5850%956
Assets per employee ($millions)2.9219%5,411
Cash dividends to net income (ytd only)*43.9394%2,652
Condition Ratios (%)
Loss allowance to loans1.2305%2,933
Loan loss allowance to noncurrent loans45.7666%4,761
Noncurrent assets plus other real estate owned to assets3.0417%328
Noncurrent loans to loans2.6887%557
Net loans and leases to total assets68.6759%2,672
Net loans and leases to deposits76.9633%3,206
Net loans and leases to core deposits78.7105%3,509
Total domestic deposits to total assets89.2321%991
Equity capital to assets10.6096%3,030
Core capital (leverage) ratio10.5892%2,785
Tier 1 risk-based capital ratio17.7511%1,921
Total risk-based capital ratio18.9965%1,885
Memoranda:
Average total assets$23,172,2005,801
Average earning assets$20,828,2005,791
Average equity$2,454,6005,806
Average total loans$16,353,6005,633
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5747%1,347
Cost of funding earning assets0.5646%1,580
Net interest margin4.0101%1,621
Noninterest income to average assets0.7958%1,780
Noninterest expense to average assets3.6963%850
Loan and lease loss provision to assets0.1269%1,843
Net operating income to assets0.5651%4,434
Return on assets (ROA)0.5651%4,537
Pretax return on assets0.5766%4,939
Return on Equity (ROE)5.3369%4,370
Retained earnings to average equity (ytd only)5.0648%2,783
Net charge-offs to loans0.0570%2,551
Credit loss provision to net charge-offs314.2857%996
Earnings coverage of net charge-offs (x)17.4341%2,051
Efficiency ratio84.0105%994
Assets per employee ($millions)2.8988%5,471
Cash dividends to net income (ytd only)*5.1049%3,676
Condition Ratios (%)
Loss allowance to loans1.3669%2,354
Loan loss allowance to noncurrent loans42.5243%4,910
Noncurrent assets plus other real estate owned to assets3.4023%299
Noncurrent loans to loans3.2143%445
Net loans and leases to total assets68.1458%2,782
Net loans and leases to deposits76.6503%3,332
Net loans and leases to core deposits78.4112%3,621
Total domestic deposits to total assets88.9047%958
Equity capital to assets10.7719%3,281
Core capital (leverage) ratio10.7980%2,687
Tier 1 risk-based capital ratio17.3172%2,124
Total risk-based capital ratio18.5650%2,087
Memoranda:
Average total assets$23,121,5005,860
Average earning assets$20,780,2505,853
Average equity$2,448,2505,868
Average total loans$16,378,7505,689
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5901%1,285
Cost of funding earning assets0.5678%1,559
Net interest margin4.0224%1,574
Noninterest income to average assets0.7706%1,844
Noninterest expense to average assets3.7058%871
Loan and lease loss provision to assets0.1905%1,137
Net operating income to assets0.4849%4,744
Return on assets (ROA)0.4849%4,844
Pretax return on assets0.4935%5,144
Return on Equity (ROE)4.6059%4,676
Retained earnings to average equity (ytd only)4.1946%3,235
Net charge-offs to loans0.0970%1,873
Credit loss provision to net charge-offs275.0000%1,023
Earnings coverage of net charge-offs (x)9.8750%2,370
Efficiency ratio84.4181%1,009
Assets per employee ($millions)2.9091%5,525
Cash dividends to net income (ytd only)*8.9286%3,483
Condition Ratios (%)
Loss allowance to loans1.3448%2,551
Loan loss allowance to noncurrent loans57.8249%4,634
Noncurrent assets plus other real estate owned to assets2.7972%452
Noncurrent loans to loans2.3257%778
Net loans and leases to total assets68.7148%2,677
Net loans and leases to deposits77.0922%3,255
Net loans and leases to core deposits78.8366%3,569
Total domestic deposits to total assets89.1333%860
Equity capital to assets10.5616%3,568
Core capital (leverage) ratio10.5164%2,959
Tier 1 risk-based capital ratio16.7599%2,328
Total risk-based capital ratio18.0076%2,278
Memoranda:
Average total assets$23,098,6705,934
Average earning assets$20,783,6705,926
Average equity$2,431,6705,944
Average total loans$16,497,6705,751
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5672%1,349
Cost of funding earning assets0.5636%1,594
Net interest margin4.0036%1,603
Noninterest income to average assets0.7822%1,686
Noninterest expense to average assets3.7546%837
Loan and lease loss provision to assets0.0348%3,197
Net operating income to assets0.5562%4,386
Return on assets (ROA)0.5562%4,491
Pretax return on assets0.5736%4,894
Return on Equity (ROE)5.2925%4,339
Retained earnings to average equity (ytd only)4.4656%3,254
Net charge-offs to loans0.0240%2,451
Credit loss provision to net charge-offs200.0000%1,075
Earnings coverage of net charge-offs (x)35.0000%1,092
Efficiency ratio86.0558%969
Assets per employee ($millions)2.9030%5,597
Cash dividends to net income (ytd only)*15.6250%2,624
Condition Ratios (%)
Loss allowance to loans1.2335%3,288
Loan loss allowance to noncurrent loans67.4342%4,390
Noncurrent assets plus other real estate owned to assets2.4673%608
Noncurrent loans to loans1.8291%1,216
Net loans and leases to total assets70.6812%2,239
Net loans and leases to deposits79.1771%2,887
Net loans and leases to core deposits80.9698%3,237
Total domestic deposits to total assets89.2697%965
Equity capital to assets10.4762%3,527
Core capital (leverage) ratio10.5930%2,858
Tier 1 risk-based capital ratio16.0700%2,647
Total risk-based capital ratio17.3184%2,605
Memoranda:
Average total assets$23,011,5006,001
Average earning assets$20,581,5005,992
Average equity$2,418,5006,003
Average total loans$16,641,5005,801
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8469%853
Cost of funding earning assets0.5826%1,479
Net interest margin4.2643%1,033
Noninterest income to average assets0.9112%1,406
Noninterest expense to average assets3.9927%678
Loan and lease loss provision to assets0.1453%1,627
Net operating income to assets0.5987%4,273
Return on assets (ROA)0.5987%4,379
Pretax return on assets0.6075%4,813
Return on Equity (ROE)5.6422%4,213
Retained earnings to average equity (ytd only)3.1115%3,841
Net charge-offs to loans0.3601%817
Credit loss provision to net charge-offs54.0984%3,346
Earnings coverage of net charge-offs (x)2.8033%3,824
Efficiency ratio84.1373%1,169
Assets per employee ($millions)2.8499%5,659
Cash dividends to net income (ytd only)*44.8529%2,598
Condition Ratios (%)
Loss allowance to loans1.2303%3,293
Loan loss allowance to noncurrent loans86.8644%3,977
Noncurrent assets plus other real estate owned to assets2.2150%761
Noncurrent loans to loans1.4163%1,646
Net loans and leases to total assets72.1874%2,018
Net loans and leases to deposits80.9463%2,713
Net loans and leases to core deposits82.7992%3,066
Total domestic deposits to total assets89.1793%1,033
Equity capital to assets10.5443%3,307
Core capital (leverage) ratio10.6355%2,792
Tier 1 risk-based capital ratio15.9536%2,708
Total risk-based capital ratio17.2073%2,643
Memoranda:
Average total assets$22,716,2006,062
Average earning assets$20,425,6006,057
Average equity$2,410,4006,059
Average total loans$16,939,2005,829
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8622%831
Cost of funding earning assets0.5931%1,447
Net interest margin4.2691%1,022
Noninterest income to average assets0.9576%1,295
Noninterest expense to average assets3.8362%813
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.9576%2,683
Return on assets (ROA)0.9576%2,771
Pretax return on assets0.9694%3,744
Return on Equity (ROE)9.0104%2,572
Retained earnings to average equity (ytd only)8.6787%1,009
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.8289%1,681
Assets per employee ($millions)2.8063%5,753
Cash dividends to net income (ytd only)*3.6810%3,736
Condition Ratios (%)
Loss allowance to loans1.3523%2,833
Loan loss allowance to noncurrent loans56.5854%4,788
Noncurrent assets plus other real estate owned to assets3.0245%499
Noncurrent loans to loans2.3898%865
Net loans and leases to total assets75.3853%1,479
Net loans and leases to deposits84.9641%2,288
Net loans and leases to core deposits89.2193%2,535
Total domestic deposits to total assets88.7261%1,162
Equity capital to assets11.0780%2,929
Core capital (leverage) ratio11.2012%2,298
Tier 1 risk-based capital ratio16.6991%2,479
Total risk-based capital ratio17.9480%2,440
Memoranda:
Average total assets$22,695,5006,148
Average earning assets$20,456,5006,141
Average equity$2,412,0006,144
Average total loans$17,008,2505,899
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8337%834
Cost of funding earning assets0.5957%1,447
Net interest margin4.2381%1,025
Noninterest income to average assets0.9395%1,334
Noninterest expense to average assets3.7845%884
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.9483%2,641
Return on assets (ROA)0.9483%2,759
Pretax return on assets0.9659%3,717
Return on Equity (ROE)9.0490%2,512
Retained earnings to average equity (ytd only)9.0490%906
Net charge-offs to loans-0.0354%5,397
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.6673%1,804
Assets per employee ($millions)2.7760%5,834
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.3818%2,842
Loan loss allowance to noncurrent loans111.9048%3,449
Noncurrent assets plus other real estate owned to assets2.1569%983
Noncurrent loans to loans1.2348%2,184
Net loans and leases to total assets75.5223%1,431
Net loans and leases to deposits85.0939%2,168
Net loans and leases to core deposits87.0866%2,648
Total domestic deposits to total assets88.7518%1,266
Equity capital to assets10.9780%2,908
Core capital (leverage) ratio10.8486%2,567
Tier 1 risk-based capital ratio16.7399%2,509
Total risk-based capital ratio17.9896%2,460
Memoranda:
Average total assets$22,777,3306,222
Average earning assets$20,481,0006,209
Average equity$2,387,0006,217
Average total loans$16,959,0005,966
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7534%937
Cost of funding earning assets0.6570%1,066
Net interest margin4.0964%1,287
Noninterest income to average assets1.1968%794
Noninterest expense to average assets3.7638%919
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.0927%1,895
Return on assets (ROA)1.0927%2,005
Pretax return on assets1.1101%3,035
Return on Equity (ROE)10.6712%1,741
Retained earnings to average equity (ytd only)10.6712%782
Net charge-offs to loans-0.0236%5,119
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.2242%2,305
Assets per employee ($millions)2.9261%5,759
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.3891%2,963
Loan loss allowance to noncurrent loans55.7416%4,847
Noncurrent assets plus other real estate owned to assets2.9348%655
Noncurrent loans to loans2.4921%972
Net loans and leases to total assets70.6566%2,044
Net loans and leases to deposits78.8746%2,700
Net loans and leases to core deposits82.8865%2,881
Total domestic deposits to total assets89.5809%952
Equity capital to assets10.2226%3,858
Core capital (leverage) ratio10.3486%3,167
Tier 1 risk-based capital ratio16.0604%2,895
Total risk-based capital ratio17.3087%2,827
Memoranda:
Average total assets$23,062,0006,283
Average earning assets$20,701,0006,271
Average equity$2,361,5006,281
Average total loans$16,935,0006,020
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7995%1,119
Cost of funding earning assets0.7333%936
Net interest margin4.0663%1,691
Noninterest income to average assets0.8560%1,657
Noninterest expense to average assets4.1485%638
Loan and lease loss provision to assets0.4873%319
Net operating income to assets-0.1695%6,194
Return on assets (ROA)-0.1695%6,190
Pretax return on assets-0.1610%6,172
Return on Equity (ROE)-1.7234%6,197
Retained earnings to average equity (ytd only)-1.9819%6,013
Net charge-offs to loans0.2648%1,630
Credit loss provision to net charge-offs250.0000%1,016
Earnings coverage of net charge-offs (x)1.6739%4,362
Efficiency ratio92.7083%666
Assets per employee ($millions)2.8394%5,896
Cash dividends to net income (ytd only)*-15.0000%6,483
Condition Ratios (%)
Loss allowance to loans1.3570%3,147
Loan loss allowance to noncurrent loans54.0793%4,986
Noncurrent assets plus other real estate owned to assets3.1433%622
Noncurrent loans to loans2.5092%1,010
Net loans and leases to total assets74.2461%1,546
Net loans and leases to deposits82.9154%2,350
Net loans and leases to core deposits87.2433%2,588
Total domestic deposits to total assets89.5444%953
Equity capital to assets10.2575%3,779
Core capital (leverage) ratio9.9069%3,702
Tier 1 risk-based capital ratio16.2687%2,826
Total risk-based capital ratio17.5255%2,768
Memoranda:
Average total assets$23,599,0006,360
Average earning assets$21,002,0006,353
Average equity$2,321,0006,373
Average total loans$17,373,2006,071
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7561%1,181
Cost of funding earning assets0.7394%946
Net interest margin4.0167%1,832
Noninterest income to average assets0.8956%1,538
Noninterest expense to average assets4.3100%552
Loan and lease loss provision to assets0.6325%210
Net operating income to assets-0.4702%6,361
Return on assets (ROA)-0.4702%6,356
Pretax return on assets-0.4590%6,345
Return on Equity (ROE)-4.8302%6,366
Retained earnings to average equity (ytd only)-5.1752%6,263
Net charge-offs to loans0.1682%2,120
Credit loss provision to net charge-offs513.6364%556
Earnings coverage of net charge-offs (x)1.4091%4,161
Efficiency ratio96.1298%504
Assets per employee ($millions)2.9164%5,825
Cash dividends to net income (ytd only)*-7.1429%6,558
Condition Ratios (%)
Loss allowance to loans1.4482%2,951
Loan loss allowance to noncurrent loans430.5085%1,111
Noncurrent assets plus other real estate owned to assets1.4744%2,090
Noncurrent loans to loans0.3364%4,889
Net loans and leases to total assets74.0860%1,513
Net loans and leases to deposits82.2860%2,388
Net loans and leases to core deposits86.4293%2,622
Total domestic deposits to total assets90.0347%719
Equity capital to assets9.7981%4,423
Core capital (leverage) ratio9.8078%3,931
Tier 1 risk-based capital ratio15.2441%3,451
Total risk-based capital ratio15.6775%3,874
Memoranda:
Average total assets$23,820,0006,433
Average earning assets$21,277,2506,422
Average equity$2,318,7506,444
Average total loans$17,442,2506,129
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6784%1,333
Cost of funding earning assets0.7688%840
Net interest margin3.9096%2,121
Noninterest income to average assets0.8923%1,521
Noninterest expense to average assets4.7033%389
Loan and lease loss provision to assets0.9423%115
Net operating income to assets-1.2926%6,559
Return on assets (ROA)-1.2926%6,557
Pretax return on assets-1.2759%6,544
Return on Equity (ROE)-13.3066%6,539
Retained earnings to average equity (ytd only)-13.8217%6,477
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio107.6336%263
Assets per employee ($millions)3.0720%5,647
Cash dividends to net income (ytd only)*-3.8710%6,630
Condition Ratios (%)
Loss allowance to loans1.5781%2,547
Loan loss allowance to noncurrent loans94.5205%3,767
Noncurrent assets plus other real estate owned to assets2.1240%1,458
Noncurrent loans to loans1.6696%2,077
Net loans and leases to total assets70.0399%2,077
Net loans and leases to deposits77.1918%2,901
Net loans and leases to core deposits80.8236%3,113
Total domestic deposits to total assets90.7349%495
Equity capital to assets9.0129%5,287
Core capital (leverage) ratio8.6311%5,494
Tier 1 risk-based capital ratio14.8958%3,691
Total risk-based capital ratio16.1533%3,633
Memoranda:
Average total assets$23,983,0006,498
Average earning assets$21,332,0006,488
Average equity$2,329,6706,502
Average total loans$17,410,0006,178
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8284%988
Cost of funding earning assets0.8079%719
Net interest margin4.0205%1,684
Noninterest income to average assets0.7430%1,976
Noninterest expense to average assets3.7321%1,083
Loan and lease loss provision to assets0.0507%3,085
Net operating income to assets0.4728%4,824
Return on assets (ROA)0.4728%4,901
Pretax return on assets0.4897%5,203
Return on Equity (ROE)4.6921%4,691
Retained earnings to average equity (ytd only)3.6866%3,919
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.3518%1,298
Assets per employee ($millions)3.5764%4,777
Cash dividends to net income (ytd only)*21.4286%2,495
Condition Ratios (%)
Loss allowance to loans0.9582%5,671
Loan loss allowance to noncurrent loans44.5040%5,413
Noncurrent assets plus other real estate owned to assets2.6563%1,160
Noncurrent loans to loans2.1530%1,699
Net loans and leases to total assets68.5400%2,137
Net loans and leases to deposits75.9584%2,815
Net loans and leases to core deposits79.4766%3,037
Total domestic deposits to total assets90.2337%946
Equity capital to assets9.5786%4,389
Core capital (leverage) ratio9.8242%3,827
Tier 1 risk-based capital ratio15.9293%3,201
Total risk-based capital ratio17.0320%3,242
Memoranda:
Average total assets$23,686,5006,571
Average earning assets$20,793,5006,565
Average equity$2,387,0006,556
Average total loans$17,370,5006,243
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0405%848
Cost of funding earning assets0.8459%966
Net interest margin4.1946%1,367
Noninterest income to average assets0.9579%1,502
Noninterest expense to average assets4.0359%840
Loan and lease loss provision to assets0.0468%4,186
Net operating income to assets0.4683%4,874
Return on assets (ROA)0.4683%5,007
Pretax return on assets0.4428%5,383
Return on Equity (ROE)4.6622%4,807
Retained earnings to average equity (ytd only)2.2040%4,681
Net charge-offs to loans-0.0172%6,116
Credit loss provision to net charge-offs-366.6667%6,092
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.1816%1,093
Assets per employee ($millions)2.7923%6,120
Cash dividends to net income (ytd only)*52.7273%2,143
Condition Ratios (%)
Loss allowance to loans0.9359%5,810
Loan loss allowance to noncurrent loans41.7949%5,578
Noncurrent assets plus other real estate owned to assets2.8561%1,129
Noncurrent loans to loans2.2393%1,733
Net loans and leases to total assets77.2361%924
Net loans and leases to deposits86.7552%1,600
Net loans and leases to core deposits91.3244%1,872
Total domestic deposits to total assets89.0277%1,604
Equity capital to assets10.6366%2,995
Core capital (leverage) ratio10.2308%3,251
Tier 1 risk-based capital ratio15.9517%3,116
Total risk-based capital ratio17.0460%3,157
Memoranda:
Average total assets$23,489,2006,652
Average earning assets$19,978,2006,659
Average equity$2,359,4006,647
Average total loans$17,424,8006,302
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9434%1,040
Cost of funding earning assets0.8480%1,060
Net interest margin4.0955%1,649
Noninterest income to average assets0.9757%1,519
Noninterest expense to average assets3.8187%1,060
Loan and lease loss provision to assets0.0449%4,116
Net operating income to assets0.6112%4,304
Return on assets (ROA)0.6112%4,432
Pretax return on assets0.6056%4,992
Return on Equity (ROE)6.1705%4,094
Retained earnings to average equity (ytd only)4.4721%3,489
Net charge-offs to loans-0.0306%6,172
Credit loss provision to net charge-offs-200.0000%5,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.4454%1,423
Assets per employee ($millions)2.8901%6,023
Cash dividends to net income (ytd only)*27.5236%2,785
Condition Ratios (%)
Loss allowance to loans0.9017%6,047
Loan loss allowance to noncurrent loans31.1412%5,943
Noncurrent assets plus other real estate owned to assets3.3130%1,065
Noncurrent loans to loans2.8954%1,417
Net loans and leases to total assets76.5322%932
Net loans and leases to deposits85.7108%1,648
Net loans and leases to core deposits88.0743%2,181
Total domestic deposits to total assets89.2911%1,414
Equity capital to assets10.3975%3,394
Core capital (leverage) ratio10.3822%3,130
Tier 1 risk-based capital ratio16.0986%3,134
Total risk-based capital ratio17.1767%3,185
Memoranda:
Average total assets$23,777,0006,720
Average earning assets$20,282,2506,727
Average equity$2,355,2506,722
Average total loans$17,427,0006,368
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7943%1,337
Cost of funding earning assets0.8426%1,187
Net interest margin3.9516%2,039
Noninterest income to average assets0.9252%1,729
Noninterest expense to average assets3.7257%1,213
Loan and lease loss provision to assets0.0500%3,984
Net operating income to assets0.5584%4,511
Return on assets (ROA)0.5584%4,681
Pretax return on assets0.5501%5,199
Return on Equity (ROE)5.7289%4,329
Retained earnings to average equity (ytd only)3.1637%4,304
Net charge-offs to loans-0.0463%6,236
Credit loss provision to net charge-offs-150.0000%5,667
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.1272%1,402
Assets per employee ($millions)2.9724%5,895
Cash dividends to net income (ytd only)*44.7761%2,063
Condition Ratios (%)
Loss allowance to loans0.9172%6,085
Loan loss allowance to noncurrent loans51.7915%5,123
Noncurrent assets plus other real estate owned to assets2.4055%1,767
Noncurrent loans to loans1.7710%2,673
Net loans and leases to total assets72.2318%1,538
Net loans and leases to deposits80.3819%2,271
Net loans and leases to core deposits82.5174%2,751
Total domestic deposits to total assets89.8608%1,111
Equity capital to assets9.9331%3,995
Core capital (leverage) ratio9.5662%4,131
Tier 1 risk-based capital ratio15.8036%3,313
Total risk-based capital ratio16.8674%3,367
Memoranda:
Average total assets$23,995,6706,768
Average earning assets$20,649,6706,768
Average equity$2,339,0006,775
Average total loans$17,284,0006,413
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5742%1,911
Cost of funding earning assets0.8028%1,510
Net interest margin3.7714%2,559
Noninterest income to average assets0.9127%1,719
Noninterest expense to average assets3.6177%1,388
Loan and lease loss provision to assets0.0498%3,794
Net operating income to assets0.6140%4,146
Return on assets (ROA)0.6140%4,305
Pretax return on assets0.5974%4,954
Return on Equity (ROE)6.3588%3,849
Retained earnings to average equity (ytd only)1.2030%5,371
Net charge-offs to loans-0.1391%6,568
Credit loss provision to net charge-offs-50.0000%5,057
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.8249%1,661
Assets per employee ($millions)3.1949%5,640
Cash dividends to net income (ytd only)*81.0811%882
Condition Ratios (%)
Loss allowance to loans0.9156%6,222
Loan loss allowance to noncurrent loans59.3985%4,749
Noncurrent assets plus other real estate owned to assets2.0893%2,246
Noncurrent loans to loans1.5415%3,241
Net loans and leases to total assets66.8962%2,214
Net loans and leases to deposits73.7269%2,952
Net loans and leases to core deposits76.7070%3,231
Total domestic deposits to total assets90.7352%651
Equity capital to assets9.1201%5,345
Core capital (leverage) ratio9.8805%3,557
Tier 1 risk-based capital ratio12.5871%5,523
Total risk-based capital ratio13.4403%5,756
Memoranda:
Average total assets$24,104,0006,834
Average earning assets$21,424,5006,821
Average equity$2,327,5006,843
Average total loans$17,258,5006,473
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0772%1,358
Cost of funding earning assets1.0023%1,345
Net interest margin4.0748%2,103
Noninterest income to average assets0.8740%1,948
Noninterest expense to average assets4.0330%942
Loan and lease loss provision to assets0.1138%4,217
Net operating income to assets0.4279%4,974
Return on assets (ROA)0.4279%5,225
Pretax return on assets0.4097%5,548
Return on Equity (ROE)4.1199%5,093
Retained earnings to average equity (ytd only)3.9446%3,427
Net charge-offs to loans0.2898%3,204
Credit loss provision to net charge-offs50.0000%4,699
Earnings coverage of net charge-offs (x)2.3000%4,269
Efficiency ratio88.5115%1,193
Assets per employee ($millions)3.2356%5,546
Cash dividends to net income (ytd only)*4.2553%4,222
Condition Ratios (%)
Loss allowance to loans0.8632%6,366
Loan loss allowance to noncurrent loans37.1571%5,765
Noncurrent assets plus other real estate owned to assets2.6315%1,846
Noncurrent loans to loans2.3232%2,315
Net loans and leases to total assets75.5530%981
Net loans and leases to deposits84.4870%1,699
Net loans and leases to core deposits87.2883%2,164
Total domestic deposits to total assets89.4256%1,283
Equity capital to assets10.2609%3,808
Core capital (leverage) ratio10.3408%2,959
Tier 1 risk-based capital ratio14.7790%3,848
Total risk-based capital ratio15.7266%3,998
Memoranda:
Average total assets$21,968,8006,932
Average earning assets$19,853,6006,909
Average equity$2,281,6006,915
Average total loans$17,251,2006,541
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0720%1,493
Cost of funding earning assets1.0305%1,390
Net interest margin4.0414%2,333
Noninterest income to average assets0.8563%1,994
Noninterest expense to average assets3.9940%941
Loan and lease loss provision to assets0.0856%4,533
Net operating income to assets0.4648%4,976
Return on assets (ROA)0.4648%5,230
Pretax return on assets0.4465%5,608
Return on Equity (ROE)4.4619%5,061
Retained earnings to average equity (ytd only)4.3443%3,835
Net charge-offs to loans0.0464%5,003
Credit loss provision to net charge-offs233.3333%1,187
Earnings coverage of net charge-offs (x)14.5000%1,830
Efficiency ratio88.2432%1,166
Assets per employee ($millions)3.1286%5,785
Cash dividends to net income (ytd only)*2.6350%3,668
Condition Ratios (%)
Loss allowance to loans1.0334%5,960
Loan loss allowance to noncurrent loans28.1298%6,203
Noncurrent assets plus other real estate owned to assets3.2192%1,599
Noncurrent loans to loans3.6738%1,458
Net loans and leases to total assets79.5845%542
Net loans and leases to deposits89.1600%1,242
Net loans and leases to core deposits92.2267%1,761
Total domestic deposits to total assets89.2603%1,275
Equity capital to assets10.5388%3,796
Core capital (leverage) ratio10.7765%2,632
Tier 1 risk-based capital ratio15.2464%3,675
Total risk-based capital ratio16.4487%3,654
Memoranda:
Average total assets$21,798,7507,024
Average earning assets$19,794,5006,998
Average equity$2,271,0007,008
Average total loans$17,248,7506,626
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0837%1,550
Cost of funding earning assets1.0633%1,393
Net interest margin4.0204%2,412
Noninterest income to average assets0.9005%1,788
Noninterest expense to average assets3.9789%966
Loan and lease loss provision to assets0.0735%4,708
Net operating income to assets0.5146%4,745
Return on assets (ROA)0.5146%5,014
Pretax return on assets0.4962%5,442
Return on Equity (ROE)4.9587%4,825
Retained earnings to average equity (ytd only)4.7816%3,426
Net charge-offs to loans0.0701%4,448
Credit loss provision to net charge-offs133.3333%2,058
Earnings coverage of net charge-offs (x)10.3333%2,063
Efficiency ratio87.4747%1,286
Assets per employee ($millions)3.1020%5,849
Cash dividends to net income (ytd only)*3.5714%3,463
Condition Ratios (%)
Loss allowance to loans1.0205%6,072
Loan loss allowance to noncurrent loans36.8201%5,827
Noncurrent assets plus other real estate owned to assets2.4685%2,262
Noncurrent loans to loans2.7715%2,163
Net loans and leases to total assets78.6175%662
Net loans and leases to deposits88.0629%1,360
Net loans and leases to core deposits91.1182%1,860
Total domestic deposits to total assets89.2742%1,346
Equity capital to assets10.5370%3,638
Core capital (leverage) ratio10.4261%2,888
Tier 1 risk-based capital ratio15.3238%3,559
Total risk-based capital ratio16.5026%3,569
Memoranda:
Average total assets$21,765,0007,083
Average earning assets$19,749,3307,058
Average equity$2,258,6707,056
Average total loans$17,128,0006,687
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0878%1,614
Cost of funding earning assets1.1149%1,320
Net interest margin3.9729%2,617
Noninterest income to average assets0.7710%2,297
Noninterest expense to average assets3.9467%998
Loan and lease loss provision to assets0.0367%4,924
Net operating income to assets0.4038%5,239
Return on assets (ROA)0.4038%5,423
Pretax return on assets0.3855%5,765
Return on Equity (ROE)3.9216%5,333
Retained earnings to average equity (ytd only)3.5651%4,439
Net charge-offs to loans-0.0469%6,506
Credit loss provision to net charge-offs-100.0000%5,492
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.3361%1,067
Assets per employee ($millions)3.1594%5,851
Cash dividends to net income (ytd only)*9.0909%2,577
Condition Ratios (%)
Loss allowance to loans1.0498%6,077
Loan loss allowance to noncurrent loans45.7584%5,316
Noncurrent assets plus other real estate owned to assets2.0212%2,868
Noncurrent loans to loans2.2942%2,810
Net loans and leases to total assets75.8636%817
Net loans and leases to deposits84.7032%1,576
Net loans and leases to core deposits87.5770%2,106
Total domestic deposits to total assets89.5641%1,327
Equity capital to assets10.1917%3,863
Core capital (leverage) ratio10.2394%3,065
Tier 1 risk-based capital ratio14.7765%3,907
Total risk-based capital ratio15.9434%3,921
Memoranda:
Average total assets$21,790,5007,140
Average earning assets$19,733,5007,118
Average equity$2,244,0007,113
Average total loans$17,068,5006,747
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4014%1,420
Cost of funding earning assets1.2577%1,693
Net interest margin4.1437%2,250
Noninterest income to average assets0.8126%1,992
Noninterest expense to average assets3.9222%1,154
Loan and lease loss provision to assets0.1785%4,407
Net operating income to assets0.4321%4,724
Return on assets (ROA)0.4321%4,926
Pretax return on assets0.4415%5,160
Return on Equity (ROE)4.1453%4,781
Retained earnings to average equity (ytd only)2.6133%4,364
Net charge-offs to loans0.1979%4,558
Credit loss provision to net charge-offs115.1515%2,834
Earnings coverage of net charge-offs (x)4.0000%3,306
Efficiency ratio86.3495%1,514
Assets per employee ($millions)3.0664%5,960
Cash dividends to net income (ytd only)*36.9565%2,762
Condition Ratios (%)
Loss allowance to loans1.0127%6,153
Loan loss allowance to noncurrent loans32.9545%6,011
Noncurrent assets plus other real estate owned to assets2.5949%2,339
Noncurrent loans to loans3.0732%2,104
Net loans and leases to total assets79.2313%573
Net loans and leases to deposits88.7584%1,295
Net loans and leases to core deposits91.8751%1,897
Total domestic deposits to total assets89.2662%1,387
Equity capital to assets10.4076%3,644
Core capital (leverage) ratio10.3753%2,871
Tier 1 risk-based capital ratio15.2045%3,509
Total risk-based capital ratio16.3888%3,518
Memoranda:
Average total assets$21,289,0007,173
Average earning assets$19,161,8007,158
Average equity$2,219,4007,174
Average total loans$16,676,4006,815
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3506%1,671
Cost of funding earning assets1.2713%1,855
Net interest margin4.0793%2,556
Noninterest income to average assets0.8033%2,040
Noninterest expense to average assets3.7341%1,427
Loan and lease loss provision to assets0.2385%3,619
Net operating income to assets0.4832%4,611
Return on assets (ROA)0.4832%4,810
Pretax return on assets0.4958%5,175
Return on Equity (ROE)4.6332%4,704
Retained earnings to average equity (ytd only)4.5131%3,509
Net charge-offs to loans-0.0403%7,013
Credit loss provision to net charge-offs-760.0000%6,729
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.5674%1,777
Assets per employee ($millions)3.0860%5,930
Cash dividends to net income (ytd only)*2.6008%3,467
Condition Ratios (%)
Loss allowance to loans1.2341%5,327
Loan loss allowance to noncurrent loans20.1905%6,672
Noncurrent assets plus other real estate owned to assets4.9949%1,152
Noncurrent loans to loans6.1125%899
Net loans and leases to total assets78.5390%653
Net loans and leases to deposits87.9477%1,440
Net loans and leases to core deposits92.2617%1,973
Total domestic deposits to total assets89.3019%1,253
Equity capital to assets10.4203%3,800
Core capital (leverage) ratio10.5974%2,764
Tier 1 risk-based capital ratio15.1368%3,589
Total risk-based capital ratio16.4548%3,508
Memoranda:
Average total assets$21,245,0007,248
Average earning assets$19,087,7507,232
Average equity$2,215,7507,250
Average total loans$16,550,2506,889
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2933%1,911
Cost of funding earning assets1.2918%1,994
Net interest margin4.0015%2,831
Noninterest income to average assets0.8236%1,918
Noninterest expense to average assets3.7679%1,401
Loan and lease loss provision to assets0.0947%5,146
Net operating income to assets0.5586%4,271
Return on assets (ROA)0.5586%4,395
Pretax return on assets0.5680%4,848
Return on Equity (ROE)5.3539%4,281
Retained earnings to average equity (ytd only)5.1724%2,895
Net charge-offs to loans-0.0612%7,063
Credit loss provision to net charge-offs-200.0000%6,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.0427%1,698
Assets per employee ($millions)3.1070%5,864
Cash dividends to net income (ytd only)*3.3898%3,253
Condition Ratios (%)
Loss allowance to loans1.0943%5,983
Loan loss allowance to noncurrent loans46.4646%5,229
Noncurrent assets plus other real estate owned to assets1.9541%3,302
Noncurrent loans to loans2.3550%3,038
Net loans and leases to total assets76.4679%1,011
Net loans and leases to deposits85.4845%1,861
Net loans and leases to core deposits89.6357%2,421
Total domestic deposits to total assets89.4524%1,266
Equity capital to assets10.2671%3,795
Core capital (leverage) ratio10.4107%2,812
Tier 1 risk-based capital ratio15.0593%3,463
Total risk-based capital ratio16.3002%3,436
Memoranda:
Average total assets$21,126,0007,320
Average earning assets$19,043,0007,306
Average equity$2,204,0007,315
Average total loans$16,341,0006,963
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2925%1,889
Cost of funding earning assets1.3231%2,053
Net interest margin3.9694%2,827
Noninterest income to average assets0.8648%1,796
Noninterest expense to average assets3.7858%1,360
Loan and lease loss provision to assets0.0769%5,036
Net operating income to assets0.5573%4,251
Return on assets (ROA)0.5573%4,328
Pretax return on assets0.5765%4,779
Return on Equity (ROE)5.2980%4,245
Retained earnings to average equity (ytd only)4.9326%3,238
Net charge-offs to loans-0.1242%7,146
Credit loss provision to net charge-offs-80.0000%5,696
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.2814%1,800
Assets per employee ($millions)3.0294%6,097
Cash dividends to net income (ytd only)*6.8966%2,429
Condition Ratios (%)
Loss allowance to loans1.1053%6,023
Loan loss allowance to noncurrent loans51.5942%4,921
Noncurrent assets plus other real estate owned to assets1.7637%3,623
Noncurrent loans to loans2.1423%3,389
Net loans and leases to total assets75.1014%1,161
Net loans and leases to deposits83.9890%2,034
Net loans and leases to core deposits86.9703%2,739
Total domestic deposits to total assets89.4181%1,521
Equity capital to assets10.3886%3,300
Core capital (leverage) ratio10.6077%2,500
Tier 1 risk-based capital ratio15.2330%3,300
Total risk-based capital ratio16.4638%3,268
Memoranda:
Average total assets$20,814,5007,387
Average earning assets$18,743,5007,366
Average equity$2,189,5007,373
Average total loans$16,104,0007,029
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7303%1,467
Cost of funding earning assets1.5381%2,416
Net interest margin4.1923%2,217
Noninterest income to average assets0.8404%2,098
Noninterest expense to average assets4.0571%1,080
Loan and lease loss provision to assets0.2301%4,982
Net operating income to assets0.3252%4,851
Return on assets (ROA)0.3252%5,006
Pretax return on assets0.3302%5,145
Return on Equity (ROE)3.0018%4,956
Retained earnings to average equity (ytd only)2.7709%3,914
Net charge-offs to loans0.1839%5,203
Credit loss provision to net charge-offs158.6207%2,215
Earnings coverage of net charge-offs (x)3.8621%3,158
Efficiency ratio87.8657%1,493
Assets per employee ($millions)2.9176%6,278
Cash dividends to net income (ytd only)*7.6923%3,820
Condition Ratios (%)
Loss allowance to loans1.0494%6,152
Loan loss allowance to noncurrent loans29.9115%6,298
Noncurrent assets plus other real estate owned to assets2.9085%2,410
Noncurrent loans to loans3.5084%2,153
Net loans and leases to total assets78.0248%942
Net loans and leases to deposits87.4925%1,860
Net loans and leases to core deposits90.7305%2,659
Total domestic deposits to total assets89.1789%1,547
Equity capital to assets10.6547%3,019
Core capital (leverage) ratio10.3847%2,691
Tier 1 risk-based capital ratio15.6795%2,905
Total risk-based capital ratio16.8972%2,884
Memoranda:
Average total assets$19,989,6007,465
Average earning assets$18,009,4007,449
Average equity$2,165,4007,477
Average total loans$15,773,4007,128
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7789%1,459
Cost of funding earning assets1.5619%2,599
Net interest margin4.2170%2,159
Noninterest income to average assets0.8249%2,103
Noninterest expense to average assets3.8628%1,256
Loan and lease loss provision to assets0.1006%6,016
Net operating income to assets0.6572%3,615
Return on assets (ROA)0.6572%3,779
Pretax return on assets0.6639%4,372
Return on Equity (ROE)6.0414%3,792
Retained earnings to average equity (ytd only)5.8564%2,437
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.4783%1,894
Assets per employee ($millions)2.9670%6,232
Cash dividends to net income (ytd only)*3.0614%3,480
Condition Ratios (%)
Loss allowance to loans1.0428%6,202
Loan loss allowance to noncurrent loans33.1349%6,125
Noncurrent assets plus other real estate owned to assets2.7011%2,674
Noncurrent loans to loans3.1470%2,533
Net loans and leases to total assets76.3060%1,349
Net loans and leases to deposits85.5816%2,428
Net loans and leases to core deposits89.9688%3,096
Total domestic deposits to total assets89.1617%1,307
Equity capital to assets10.6457%3,354
Core capital (leverage) ratio11.0550%2,223
Tier 1 risk-based capital ratio15.3723%3,063
Total risk-based capital ratio16.5334%3,073
Memoranda:
Average total assets$19,881,2507,570
Average earning assets$17,926,7507,547
Average equity$2,162,7507,578
Average total loans$15,690,7507,223
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8320%1,342
Cost of funding earning assets1.5627%2,883
Net interest margin4.2692%1,894
Noninterest income to average assets0.9088%1,660
Noninterest expense to average assets3.9417%1,112
Loan and lease loss provision to assets0.0919%5,999
Net operating income to assets0.7148%3,333
Return on assets (ROA)0.7148%3,489
Pretax return on assets0.7250%4,154
Return on Equity (ROE)6.5217%3,536
Retained earnings to average equity (ytd only)6.2422%2,202
Net charge-offs to loans0.0128%6,165
Credit loss provision to net charge-offs900.0000%415
Earnings coverage of net charge-offs (x)80.0000%396
Efficiency ratio82.8326%2,064
Assets per employee ($millions)2.8389%6,484
Cash dividends to net income (ytd only)*4.2857%3,262
Condition Ratios (%)
Loss allowance to loans1.0055%6,374
Loan loss allowance to noncurrent loans33.4029%6,142
Noncurrent assets plus other real estate owned to assets2.5715%2,820
Noncurrent loans to loans3.0101%2,671
Net loans and leases to total assets79.2723%906
Net loans and leases to deposits89.3128%1,959
Net loans and leases to core deposits94.1208%2,697
Total domestic deposits to total assets88.7581%1,566
Equity capital to assets10.9853%2,877
Core capital (leverage) ratio11.0319%2,215
Tier 1 risk-based capital ratio16.0515%2,649
Total risk-based capital ratio17.2279%2,646
Memoranda:
Average total assets$19,585,3307,637
Average earning assets$17,661,3307,621
Average equity$2,146,6707,636
Average total loans$15,582,6707,282
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7921%1,488
Cost of funding earning assets1.5339%3,356
Net interest margin4.2582%1,830
Noninterest income to average assets0.8024%2,008
Noninterest expense to average assets4.0325%982
Loan and lease loss provision to assets0.0411%6,263
Net operating income to assets0.5555%4,109
Return on assets (ROA)0.5555%4,251
Pretax return on assets0.5555%4,766
Return on Equity (ROE)5.0740%4,330
Retained earnings to average equity (ytd only)4.5102%3,453
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.1111%1,674
Assets per employee ($millions)2.8440%6,537
Cash dividends to net income (ytd only)*11.1111%2,394
Condition Ratios (%)
Loss allowance to loans0.9979%6,487
Loan loss allowance to noncurrent loans60.8696%4,323
Noncurrent assets plus other real estate owned to assets1.4316%4,360
Noncurrent loans to loans1.6395%4,290
Net loans and leases to total assets76.7430%1,382
Net loans and leases to deposits86.2725%2,536
Net loans and leases to core deposits88.0120%3,626
Total domestic deposits to total assets88.9542%1,541
Equity capital to assets10.7545%2,999
Core capital (leverage) ratio10.9761%2,246
Tier 1 risk-based capital ratio15.5675%2,842
Total risk-based capital ratio16.6873%2,846
Memoranda:
Average total assets$19,442,0007,735
Average earning assets$17,472,0007,719
Average equity$2,128,5007,722
Average total loans$15,417,5007,383
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2556%1,104
Cost of funding earning assets1.8661%3,642
Net interest margin4.3895%1,466
Noninterest income to average assets0.9395%1,788
Noninterest expense to average assets4.2904%1,002
Loan and lease loss provision to assets0.2453%5,421
Net operating income to assets0.3027%4,528
Return on assets (ROA)0.3027%4,602
Pretax return on assets0.3079%4,736
Return on Equity (ROE)2.7042%4,624
Retained earnings to average equity (ytd only)0.5595%4,589
Net charge-offs to loans0.1533%5,734
Credit loss provision to net charge-offs204.3478%1,894
Earnings coverage of net charge-offs (x)4.6087%2,886
Efficiency ratio88.5776%1,834
Assets per employee ($millions)2.7109%6,833
Cash dividends to net income (ytd only)*79.3103%1,211
Condition Ratios (%)
Loss allowance to loans0.9868%6,458
Loan loss allowance to noncurrent loans58.4615%4,488
Noncurrent assets plus other real estate owned to assets1.5388%4,072
Noncurrent loans to loans1.6880%4,115
Net loans and leases to total assets80.3699%928
Net loans and leases to deposits90.7852%2,083
Net loans and leases to core deposits101.9043%3,808
Total domestic deposits to total assets88.5276%1,715
Equity capital to assets11.1509%2,580
Core capital (leverage) ratio10.8435%2,319
Tier 1 risk-based capital ratio16.6588%2,252
Total risk-based capital ratio17.8555%2,225
Memoranda:
Average total assets$19,159,2007,799
Average earning assets$17,040,8007,787
Average equity$2,144,8007,814
Average total loans$15,006,0007,457
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2562%1,224
Cost of funding earning assets1.9088%3,834
Net interest margin4.3474%1,595
Noninterest income to average assets0.8886%2,033
Noninterest expense to average assets4.0128%1,259
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets0.7428%3,052
Return on assets (ROA)0.7428%3,106
Pretax return on assets0.7498%3,699
Return on Equity (ROE)6.6292%3,249
Retained earnings to average equity (ytd only)5.6998%2,100
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.2566%2,269
Assets per employee ($millions)2.7549%6,725
Cash dividends to net income (ytd only)*14.0193%3,411
Condition Ratios (%)
Loss allowance to loans0.8688%6,889
Loan loss allowance to noncurrent loans33.5065%6,195
Noncurrent assets plus other real estate owned to assets2.1624%3,143
Noncurrent loans to loans2.5929%2,912
Net loans and leases to total assets76.3275%1,926
Net loans and leases to deposits86.4045%3,242
Net loans and leases to core deposits99.8779%4,386
Total domestic deposits to total assets88.3375%1,502
Equity capital to assets11.3877%2,677
Core capital (leverage) ratio11.4908%2,081
Tier 1 risk-based capital ratio16.6692%2,367
Total risk-based capital ratio17.6484%2,415
Memoranda:
Average total assets$19,205,0007,869
Average earning assets$17,113,2507,870
Average equity$2,152,0007,891
Average total loans$14,906,7507,528
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2649%1,298
Cost of funding earning assets1.9636%3,948
Net interest margin4.3012%1,651
Noninterest income to average assets0.8968%2,003
Noninterest expense to average assets3.9523%1,394
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.7717%2,961
Return on assets (ROA)0.7717%3,067
Pretax return on assets0.7821%3,733
Return on Equity (ROE)6.9245%3,239
Retained earnings to average equity (ytd only)6.7374%1,688
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.4802%2,547
Assets per employee ($millions)2.7496%6,736
Cash dividends to net income (ytd only)*2.7027%3,503
Condition Ratios (%)
Loss allowance to loans0.8424%7,010
Loan loss allowance to noncurrent loans48.8550%5,086
Noncurrent assets plus other real estate owned to assets1.5275%3,933
Noncurrent loans to loans1.7244%3,920
Net loans and leases to total assets78.2771%1,683
Net loans and leases to deposits88.6496%3,065
Net loans and leases to core deposits104.0398%4,057
Total domestic deposits to total assets88.2995%1,626
Equity capital to assets11.3057%2,677
Core capital (leverage) ratio11.2461%2,231
Tier 1 risk-based capital ratio16.7333%2,388
Total risk-based capital ratio17.7176%2,399
Memoranda:
Average total assets$19,178,6707,953
Average earning assets$17,111,3307,943
Average equity$2,137,3307,977
Average total loans$14,926,3307,600
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2211%1,530
Cost of funding earning assets2.0347%3,958
Net interest margin4.1864%1,949
Noninterest income to average assets0.7522%2,586
Noninterest expense to average assets3.8444%1,394
Loan and lease loss provision to assets0.0209%6,635
Net operating income to assets0.6268%3,902
Return on assets (ROA)0.6268%4,085
Pretax return on assets0.6268%4,669
Return on Equity (ROE)5.6657%4,189
Retained earnings to average equity (ytd only)5.2880%2,968
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.5814%2,123
Assets per employee ($millions)2.7886%6,681
Cash dividends to net income (ytd only)*6.6667%2,761
Condition Ratios (%)
Loss allowance to loans0.8690%6,880
Loan loss allowance to noncurrent loans43.2886%5,639
Noncurrent assets plus other real estate owned to assets1.5932%3,529
Noncurrent loans to loans2.0075%3,252
Net loans and leases to total assets75.3842%2,411
Net loans and leases to deposits84.9743%3,829
Net loans and leases to core deposits100.7256%4,470
Total domestic deposits to total assets88.7141%1,375
Equity capital to assets10.9221%3,040
Core capital (leverage) ratio11.1175%2,410
Tier 1 risk-based capital ratio15.9235%2,714
Total risk-based capital ratio16.8870%2,740
Memoranda:
Average total assets$19,144,5008,006
Average earning assets$17,103,0007,990
Average equity$2,118,0008,031
Average total loans$14,792,5007,647
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9540%1,251
Cost of funding earning assets2.6054%3,664
Net interest margin4.3486%1,831
Noninterest income to average assets0.8457%2,255
Noninterest expense to average assets4.1236%1,241
Loan and lease loss provision to assets0.2100%4,790
Net operating income to assets0.5030%4,724
Return on assets (ROA)0.5030%4,567
Pretax return on assets0.3869%5,299
Return on Equity (ROE)4.3383%4,664
Retained earnings to average equity (ytd only)2.2407%3,820
Net charge-offs to loans0.3411%3,127
Credit loss provision to net charge-offs79.1667%5,915
Earnings coverage of net charge-offs (x)2.2500%4,953
Efficiency ratio87.3536%1,737
Assets per employee ($millions)2.6813%6,824
Cash dividends to net income (ytd only)*48.3516%3,216
Condition Ratios (%)
Loss allowance to loans0.8683%6,818
Loan loss allowance to noncurrent loans56.1404%5,172
Noncurrent assets plus other real estate owned to assets1.2840%3,659
Noncurrent loans to loans1.5467%3,475
Net loans and leases to total assets77.8571%2,178
Net loans and leases to deposits87.9877%3,807
Net loans and leases to core deposits103.2502%4,475
Total domestic deposits to total assets88.4863%1,257
Equity capital to assets11.2100%2,878
Core capital (leverage) ratio11.5936%2,195
Tier 1 risk-based capital ratio16.3050%2,551
Total risk-based capital ratio17.2970%2,590
Memoranda:
Average total assets$18,091,2008,073
Average earning assets$16,120,2008,068
Average equity$2,097,6008,105
Average total loans$14,072,2007,701