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The Gary State Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7383%398
Cost of funding earning assets0.2419%3,033
Net interest margin4.4965%275
Noninterest income to average assets0.8474%1,326
Noninterest expense to average assets3.4012%545
Loan and lease loss provision to assets0.0351%2,352
Net operating income to assets1.6480%709
Return on assets (ROA)1.6480%746
Pretax return on assets1.6480%1,282
Return on Equity (ROE)13.0387%1,456
Retained earnings to average equity (ytd only)4.0688%3,195
Net charge-offs to loans-0.0378%4,206
Credit loss provision to net charge-offs-150.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.8966%2,136
Assets per employee ($millions)4.4080%4,189
Cash dividends to net income (ytd only)*68.7943%781
Condition Ratios (%)
Loss allowance to loans2.9952%148
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 assets56.0231%2,608
Net loans and leases to deposits65.6215%2,545
Net loans and leases to core deposits65.6215%2,852
Total domestic deposits to total assets85.3732%3,147
Equity capital to assets12.8006%960
Core capital (leverage) ratio12.5647%906
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.0999%438
Memoranda:
Average total assets$17,111,8004,820
Average earning assets$16,123,8004,802
Average equity$2,162,8004,805
Average total loans$10,568,6004,721
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9925%302
Cost of funding earning assets0.2579%3,033
Net interest margin4.7346%214
Noninterest income to average assets0.7145%1,776
Noninterest expense to average assets3.2740%623
Loan and lease loss provision to assets0.0294%2,411
Net operating income to assets1.8765%584
Return on assets (ROA)1.8765%603
Pretax return on assets1.8765%987
Return on Equity (ROE)14.8958%1,165
Retained earnings to average equity (ytd only)2.8047%3,965
Net charge-offs to loans-0.0625%4,441
Credit loss provision to net charge-offs-80.0000%3,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1818%2,512
Assets per employee ($millions)4.2688%4,290
Cash dividends to net income (ytd only)*81.1715%372
Condition Ratios (%)
Loss allowance to loans2.7773%199
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 assets62.3250%1,970
Net loans and leases to deposits73.2013%1,940
Net loans and leases to core deposits73.2013%2,301
Total domestic deposits to total assets85.1420%3,067
Equity capital to assets12.9663%991
Core capital (leverage) ratio12.8766%875
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.0099%600
Memoranda:
Average total assets$16,981,7504,894
Average earning assets$16,023,5004,877
Average equity$2,139,2504,879
Average total loans$10,665,0004,792
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3316%206
Cost of funding earning assets0.2598%3,188
Net interest margin5.0719%156
Noninterest income to average assets0.7079%1,777
Noninterest expense to average assets3.2801%634
Loan and lease loss provision to assets0.0354%2,284
Net operating income to assets2.2300%321
Return on assets (ROA)2.2300%340
Pretax return on assets2.2300%545
Return on Equity (ROE)17.8780%669
Retained earnings to average equity (ytd only)-0.4730%4,562
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1489%3,132
Assets per employee ($millions)4.3308%4,235
Cash dividends to net income (ytd only)*102.6455%252
Condition Ratios (%)
Loss allowance to loans2.7138%206
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 assets61.6695%2,214
Net loans and leases to deposits71.9879%2,206
Net loans and leases to core deposits73.2364%2,491
Total domestic deposits to total assets85.6665%2,850
Equity capital to assets12.4921%1,137
Core capital (leverage) ratio12.5712%899
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.4002%582
Memoranda:
Average total assets$16,950,6674,929
Average earning assets$16,167,6674,911
Average equity$2,114,3334,916
Average total loans$10,571,3334,829
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9200%1,783
Cost of funding earning assets0.2746%3,227
Net interest margin3.6453%1,463
Noninterest income to average assets0.6919%1,892
Noninterest expense to average assets3.2927%615
Loan and lease loss provision to assets0.0477%2,124
Net operating income to assets0.8351%3,312
Return on assets (ROA)0.8351%3,393
Pretax return on assets0.8351%3,752
Return on Equity (ROE)6.7002%3,681
Retained earnings to average equity (ytd only)-30.4379%4,951
Net charge-offs to loans-0.0386%4,288
Credit loss provision to net charge-offs-200.0000%2,961
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.8571%905
Assets per employee ($millions)4.2983%4,275
Cash dividends to net income (ytd only)*554.2857%19
Condition Ratios (%)
Loss allowance to loans2.8659%170
Loan loss allowance to noncurrent loans14,900.0000%66
Noncurrent assets plus other real estate owned to assets0.0116%4,301
Noncurrent loans to loans0.0192%4,191
Net loans and leases to total assets58.7448%2,716
Net loans and leases to deposits68.1282%2,689
Net loans and leases to core deposits69.3110%2,928
Total domestic deposits to total assets86.2270%2,658
Equity capital to assets11.6908%1,445
Core capital (leverage) ratio12.2360%1,079
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.8849%592
Memoranda:
Average total assets$16,764,5004,956
Average earning assets$16,020,5004,941
Average equity$2,089,5004,942
Average total loans$10,366,5004,856
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2342%315
Cost of funding earning assets0.4344%3,382
Net interest margin4.7998%173
Noninterest income to average assets0.9232%1,209
Noninterest expense to average assets3.8122%452
Loan and lease loss provision to assets0.0398%3,904
Net operating income to assets1.6205%616
Return on assets (ROA)1.6205%665
Pretax return on assets1.6205%1,030
Return on Equity (ROE)11.6423%1,432
Retained earnings to average equity (ytd only)1.0974%4,191
Net charge-offs to loans0.0181%2,722
Credit loss provision to net charge-offs300.0000%1,727
Earnings coverage of net charge-offs (x)125.0000%684
Efficiency ratio69.6602%1,997
Assets per employee ($millions)4.0840%4,310
Cash dividends to net income (ytd only)*90.5738%405
Condition Ratios (%)
Loss allowance to loans2.8544%168
Loan loss allowance to noncurrent loans14,750.0000%74
Noncurrent assets plus other real estate owned to assets0.0122%4,356
Noncurrent loans to loans0.0194%4,265
Net loans and leases to total assets61.4594%2,669
Net loans and leases to deposits72.8117%2,608
Net loans and leases to core deposits72.8117%3,012
Total domestic deposits to total assets84.4087%2,979
Equity capital to assets13.2774%1,007
Core capital (leverage) ratio13.3370%820
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.6605%530
Memoranda:
Average total assets$15,057,0004,984
Average earning assets$14,271,4004,972
Average equity$2,095,8004,965
Average total loans$11,053,4004,876
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4723%242
Cost of funding earning assets0.4775%3,376
Net interest margin4.9947%144
Noninterest income to average assets0.6695%1,908
Noninterest expense to average assets3.6008%614
Loan and lease loss provision to assets0.0475%3,768
Net operating income to assets1.7551%505
Return on assets (ROA)1.7551%567
Pretax return on assets1.7551%860
Return on Equity (ROE)12.4506%1,258
Retained earnings to average equity (ytd only)-1.7328%4,683
Net charge-offs to loans0.0237%2,367
Credit loss provision to net charge-offs250.0000%1,922
Earnings coverage of net charge-offs (x)99.5000%794
Efficiency ratio66.6667%2,376
Assets per employee ($millions)3.8560%4,437
Cash dividends to net income (ytd only)*113.9175%207
Condition Ratios (%)
Loss allowance to loans2.7159%185
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets68.2767%2,198
Net loans and leases to deposits81.4400%2,154
Net loans and leases to core deposits81.4400%2,705
Total domestic deposits to total assets83.8369%2,875
Equity capital to assets13.7383%930
Core capital (leverage) ratio14.1238%684
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.5853%714
Memoranda:
Average total assets$14,737,2505,016
Average earning assets$13,961,0005,005
Average equity$2,077,5004,999
Average total loans$11,233,0004,904
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5132%331
Cost of funding earning assets0.4933%3,577
Net interest margin5.0199%197
Noninterest income to average assets0.7030%1,724
Noninterest expense to average assets3.5979%651
Loan and lease loss provision to assets0.0414%3,759
Net operating income to assets1.8334%472
Return on assets (ROA)1.8334%516
Pretax return on assets1.8334%765
Return on Equity (ROE)12.8897%1,126
Retained earnings to average equity (ytd only)-8.5285%4,890
Net charge-offs to loans0.0352%2,034
Credit loss provision to net charge-offs150.0000%2,122
Earnings coverage of net charge-offs (x)68.0000%894
Efficiency ratio65.7431%2,560
Assets per employee ($millions)3.6468%4,580
Cash dividends to net income (ytd only)*166.1654%155
Condition Ratios (%)
Loss allowance to loans2.4987%221
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets78.1106%833
Net loans and leases to deposits96.9537%728
Net loans and leases to core deposits96.9537%1,501
Total domestic deposits to total assets80.5649%3,713
Equity capital to assets14.1085%835
Core capital (leverage) ratio13.7099%818
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.1882%884
Memoranda:
Average total assets$14,508,3335,049
Average earning assets$13,785,0005,036
Average equity$2,063,6675,031
Average total loans$11,369,0004,934
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5774%318
Cost of funding earning assets0.5284%3,803
Net interest margin5.0490%173
Noninterest income to average assets0.7188%1,573
Noninterest expense to average assets3.7045%696
Loan and lease loss provision to assets0.0553%3,075
Net operating income to assets1.7140%500
Return on assets (ROA)1.7140%553
Pretax return on assets1.7140%838
Return on Equity (ROE)12.0010%1,106
Retained earnings to average equity (ytd only)-30.7767%5,044
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6768%2,725
Assets per employee ($millions)3.6483%4,333
Cash dividends to net income (ytd only)*356.4516%97
Condition Ratios (%)
Loss allowance to loans2.6240%208
Loan loss allowance to noncurrent loans4,185.7143%157
Noncurrent assets plus other real estate owned to assets0.0480%4,364
Noncurrent loans to loans0.0627%4,289
Net loans and leases to total assets74.5083%1,531
Net loans and leases to deposits92.1988%1,261
Net loans and leases to core deposits92.1988%2,132
Total domestic deposits to total assets80.8127%3,706
Equity capital to assets13.6161%1,173
Core capital (leverage) ratio13.6968%989
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.2663%949
Memoranda:
Average total assets$14,469,0005,095
Average earning assets$13,626,5005,083
Average equity$2,066,5005,077
Average total loans$11,210,5004,979
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4287%628
Cost of funding earning assets0.5114%4,038
Net interest margin4.9172%320
Noninterest income to average assets0.9243%1,131
Noninterest expense to average assets3.6693%792
Loan and lease loss provision to assets0.0417%3,179
Net operating income to assets1.8902%437
Return on assets (ROA)1.8902%456
Pretax return on assets1.8902%761
Return on Equity (ROE)13.3294%1,066
Retained earnings to average equity (ytd only)3.4304%3,292
Net charge-offs to loans-0.0633%4,866
Credit loss provision to net charge-offs-85.7143%4,207
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5087%2,840
Assets per employee ($millions)2.8690%4,876
Cash dividends to net income (ytd only)*74.2647%983
Condition Ratios (%)
Loss allowance to loans2.5855%195
Loan loss allowance to noncurrent loans1,077.7778%554
Noncurrent assets plus other real estate owned to assets0.1882%3,711
Noncurrent loans to loans0.2399%3,587
Net loans and leases to total assets76.4308%1,336
Net loans and leases to deposits96.9751%843
Net loans and leases to core deposits96.9751%1,820
Total domestic deposits to total assets78.8149%4,216
Equity capital to assets14.9599%805
Core capital (leverage) ratio14.1482%892
Tier 1 risk-based capital ratio19.5642%1,398
Total risk-based capital ratio20.8314%1,364
Memoranda:
Average total assets$14,389,8005,156
Average earning assets$13,686,6005,143
Average equity$2,040,6005,136
Average total loans$11,053,0005,041
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3273%814
Cost of funding earning assets0.4967%4,151
Net interest margin4.8306%392
Noninterest income to average assets0.8240%1,347
Noninterest expense to average assets3.6200%827
Loan and lease loss provision to assets0.0463%2,975
Net operating income to assets1.7498%678
Return on assets (ROA)1.7498%714
Pretax return on assets1.7498%1,198
Return on Equity (ROE)12.5104%1,440
Retained earnings to average equity (ytd only)-0.8604%4,849
Net charge-offs to loans-0.0727%4,923
Credit loss provision to net charge-offs-83.3333%4,059
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.8376%2,609
Assets per employee ($millions)3.0086%4,886
Cash dividends to net income (ytd only)*106.8812%254
Condition Ratios (%)
Loss allowance to loans2.5630%205
Loan loss allowance to noncurrent loans7,225.0000%109
Noncurrent assets plus other real estate owned to assets0.0266%4,605
Noncurrent loans to loans0.0355%4,503
Net loans and leases to total assets73.0373%1,992
Net loans and leases to deposits101.5528%529
Net loans and leases to core deposits101.5528%1,540
Total domestic deposits to total assets71.9205%4,923
Equity capital to assets13.7140%1,265
Core capital (leverage) ratio13.8894%1,014
Tier 1 risk-based capital ratio18.4049%1,711
Total risk-based capital ratio19.6717%1,673
Memoranda:
Average total assets$14,401,0005,234
Average earning assets$13,690,2505,222
Average equity$2,014,2505,214
Average total loans$11,002,5005,122
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1747%1,032
Cost of funding earning assets0.4003%4,508
Net interest margin4.7744%429
Noninterest income to average assets0.8317%1,244
Noninterest expense to average assets3.6935%759
Loan and lease loss provision to assets0.0423%2,973
Net operating income to assets1.6353%842
Return on assets (ROA)1.6353%879
Pretax return on assets1.6353%1,439
Return on Equity (ROE)11.6116%1,737
Retained earnings to average equity (ytd only)-8.6086%5,148
Net charge-offs to loans-0.1100%5,017
Credit loss provision to net charge-offs-50.0000%3,828
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.7664%2,407
Assets per employee ($millions)2.9466%4,938
Cash dividends to net income (ytd only)*174.1379%106
Condition Ratios (%)
Loss allowance to loans2.4900%223
Loan loss allowance to noncurrent loans1,510.5263%421
Noncurrent assets plus other real estate owned to assets0.1290%4,109
Noncurrent loans to loans0.1648%3,962
Net loans and leases to total assets76.2845%1,509
Net loans and leases to deposits106.6926%314
Net loans and leases to core deposits106.6926%1,201
Total domestic deposits to total assets71.4994%4,994
Equity capital to assets13.5071%1,312
Core capital (leverage) ratio14.2244%898
Tier 1 risk-based capital ratio17.6465%1,895
Total risk-based capital ratio18.9146%1,844
Memoranda:
Average total assets$14,187,0005,281
Average earning assets$13,488,6705,270
Average equity$1,998,0005,258
Average total loans$10,911,3305,168
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1586%985
Cost of funding earning assets0.3318%4,736
Net interest margin4.8267%384
Noninterest income to average assets0.8049%1,290
Noninterest expense to average assets3.7947%652
Loan and lease loss provision to assets0.0575%2,511
Net operating income to assets1.5524%1,003
Return on assets (ROA)1.5524%1,031
Pretax return on assets1.5524%1,607
Return on Equity (ROE)10.7892%2,033
Retained earnings to average equity (ytd only)-29.5704%5,300
Net charge-offs to loans-0.0377%4,740
Credit loss provision to net charge-offs-200.0000%3,626
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.2128%2,304
Assets per employee ($millions)2.7738%5,086
Cash dividends to net income (ytd only)*374.0741%57
Condition Ratios (%)
Loss allowance to loans2.6905%195
Loan loss allowance to noncurrent loans14,050.0000%55
Noncurrent assets plus other real estate owned to assets0.0144%4,795
Noncurrent loans to loans0.0191%4,696
Net loans and leases to total assets73.2785%1,936
Net loans and leases to deposits91.3118%1,480
Net loans and leases to core deposits91.3118%2,367
Total domestic deposits to total assets80.2509%4,126
Equity capital to assets13.9015%1,077
Core capital (leverage) ratio14.0597%931
Tier 1 risk-based capital ratio18.5385%1,650
Total risk-based capital ratio19.8077%1,604
Memoranda:
Average total assets$13,914,0005,339
Average earning assets$13,259,5005,328
Average equity$2,002,0005,311
Average total loans$10,604,0005,235
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2713%612
Cost of funding earning assets0.3110%4,516
Net interest margin4.9603%289
Noninterest income to average assets0.9141%1,145
Noninterest expense to average assets3.6930%780
Loan and lease loss provision to assets0.0439%3,304
Net operating income to assets1.8428%507
Return on assets (ROA)1.8428%504
Pretax return on assets1.8428%827
Return on Equity (ROE)12.7376%1,449
Retained earnings to average equity (ytd only)3.4371%3,698
Net charge-offs to loans-0.0548%5,001
Credit loss provision to net charge-offs-100.0000%4,393
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.1861%2,843
Assets per employee ($millions)2.7918%5,095
Cash dividends to net income (ytd only)*73.0159%943
Condition Ratios (%)
Loss allowance to loans2.5827%210
Loan loss allowance to noncurrent loans3,971.4286%202
Noncurrent assets plus other real estate owned to assets0.0501%4,595
Noncurrent loans to loans0.0650%4,462
Net loans and leases to total assets75.1200%1,754
Net loans and leases to deposits94.9217%1,177
Net loans and leases to core deposits94.9217%2,148
Total domestic deposits to total assets79.1389%4,285
Equity capital to assets14.8721%735
Core capital (leverage) ratio15.0566%684
Tier 1 risk-based capital ratio19.5131%1,399
Total risk-based capital ratio20.7820%1,366
Memoranda:
Average total assets$13,674,6005,386
Average earning assets$12,862,2005,372
Average equity$1,978,4005,357
Average total loans$10,942,4005,269
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2741%545
Cost of funding earning assets0.3035%4,491
Net interest margin4.9706%275
Noninterest income to average assets0.6959%1,877
Noninterest expense to average assets3.5970%858
Loan and lease loss provision to assets0.0392%3,220
Net operating income to assets1.7152%717
Return on assets (ROA)1.7152%721
Pretax return on assets1.7152%1,237
Return on Equity (ROE)11.9411%1,805
Retained earnings to average equity (ytd only)-0.6141%5,105
Net charge-offs to loans-0.0849%5,115
Credit loss provision to net charge-offs-57.1429%4,176
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.2161%2,678
Assets per employee ($millions)2.7700%5,175
Cash dividends to net income (ytd only)*105.1429%221
Condition Ratios (%)
Loss allowance to loans2.4816%252
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets78.5921%1,234
Net loans and leases to deposits100.7124%726
Net loans and leases to core deposits100.7124%1,723
Total domestic deposits to total assets78.0361%4,478
Equity capital to assets14.4332%844
Core capital (leverage) ratio14.9603%714
Tier 1 risk-based capital ratio18.3546%1,705
Total risk-based capital ratio19.6217%1,655
Memoranda:
Average total assets$13,603,5005,457
Average earning assets$12,741,2505,444
Average equity$1,954,0005,429
Average total loans$10,987,0005,331
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2420%518
Cost of funding earning assets0.2991%4,421
Net interest margin4.9429%270
Noninterest income to average assets0.7100%1,834
Noninterest expense to average assets3.6683%798
Loan and lease loss provision to assets0.0444%3,012
Net operating income to assets1.6419%819
Return on assets (ROA)1.6419%827
Pretax return on assets1.6419%1,371
Return on Equity (ROE)11.4492%1,929
Retained earnings to average equity (ytd only)-7.5297%5,371
Net charge-offs to loans-0.1281%5,234
Credit loss provision to net charge-offs-42.8571%4,000
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.5083%2,557
Assets per employee ($millions)2.6710%5,277
Cash dividends to net income (ytd only)*165.7658%97
Condition Ratios (%)
Loss allowance to loans2.5586%231
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets78.7046%1,204
Net loans and leases to deposits99.4418%843
Net loans and leases to core deposits99.4418%1,775
Total domestic deposits to total assets79.1464%4,404
Equity capital to assets14.4890%806
Core capital (leverage) ratio14.0860%888
Tier 1 risk-based capital ratio18.4479%1,686
Total risk-based capital ratio19.7159%1,644
Memoranda:
Average total assets$13,521,3305,521
Average earning assets$12,705,0005,508
Average equity$1,939,0005,492
Average total loans$10,928,6705,392
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1172%566
Cost of funding earning assets0.2808%4,499
Net interest margin4.8364%320
Noninterest income to average assets0.6762%1,928
Noninterest expense to average assets3.7047%752
Loan and lease loss provision to assets0.0588%2,597
Net operating income to assets1.4701%1,149
Return on assets (ROA)1.4701%1,148
Pretax return on assets1.4701%1,764
Return on Equity (ROE)10.3040%2,275
Retained earnings to average equity (ytd only)-27.6146%5,545
Net charge-offs to loans-0.0364%4,829
Credit loss provision to net charge-offs-200.0000%3,808
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.7865%2,377
Assets per employee ($millions)2.7268%5,322
Cash dividends to net income (ytd only)*368.0000%38
Condition Ratios (%)
Loss allowance to loans2.4003%283
Loan loss allowance to noncurrent loans489.0909%1,124
Noncurrent assets plus other real estate owned to assets0.4034%3,218
Noncurrent loans to loans0.4908%3,048
Net loans and leases to total assets80.2259%905
Net loans and leases to deposits101.9195%582
Net loans and leases to core deposits101.9195%1,537
Total domestic deposits to total assets78.7150%4,622
Equity capital to assets13.7450%966
Core capital (leverage) ratio13.7896%922
Tier 1 risk-based capital ratio17.1738%2,066
Total risk-based capital ratio18.4384%2,018
Memoranda:
Average total assets$13,604,5005,584
Average earning assets$12,819,5005,571
Average equity$1,941,0005,550
Average total loans$10,999,5005,455
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0985%535
Cost of funding earning assets0.3363%3,829
Net interest margin4.7622%380
Noninterest income to average assets0.8917%1,298
Noninterest expense to average assets3.5810%920
Loan and lease loss provision to assets0.0421%3,410
Net operating income to assets1.6430%594
Return on assets (ROA)1.6430%612
Pretax return on assets1.6430%1,182
Return on Equity (ROE)12.2129%1,148
Retained earnings to average equity (ytd only)4.0188%2,785
Net charge-offs to loans0.0839%2,258
Credit loss provision to net charge-offs66.6667%3,136
Earnings coverage of net charge-offs (x)26.6667%1,663
Efficiency ratio68.0000%2,893
Assets per employee ($millions)2.7150%5,373
Cash dividends to net income (ytd only)*67.0940%1,408
Condition Ratios (%)
Loss allowance to loans2.4648%255
Loan loss allowance to noncurrent loans409.2308%1,298
Noncurrent assets plus other real estate owned to assets0.4788%2,965
Noncurrent loans to loans0.6023%2,728
Net loans and leases to total assets77.5396%1,345
Net loans and leases to deposits99.0030%816
Net loans and leases to core deposits99.0030%1,789
Total domestic deposits to total assets78.3204%4,664
Equity capital to assets14.7919%720
Core capital (leverage) ratio14.4564%741
Tier 1 risk-based capital ratio18.5189%1,647
Total risk-based capital ratio19.7823%1,594
Memoranda:
Average total assets$14,242,0005,646
Average earning assets$13,082,2005,634
Average equity$1,916,0005,616
Average total loans$10,728,0005,524
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0624%541
Cost of funding earning assets0.3442%3,729
Net interest margin4.7181%392
Noninterest income to average assets0.7495%1,785
Noninterest expense to average assets3.4515%1,067
Loan and lease loss provision to assets0.0370%3,372
Net operating income to assets1.5731%765
Return on assets (ROA)1.5731%781
Pretax return on assets1.5731%1,504
Return on Equity (ROE)11.9736%1,343
Retained earnings to average equity (ytd only)0.9155%5,001
Net charge-offs to loans0.0498%2,431
Credit loss provision to net charge-offs100.0000%2,276
Earnings coverage of net charge-offs (x)43.5253%1,225
Efficiency ratio68.1901%2,845
Assets per employee ($millions)2.7494%5,413
Cash dividends to net income (ytd only)*92.3542%414
Condition Ratios (%)
Loss allowance to loans2.4600%277
Loan loss allowance to noncurrent loans5,380.0000%154
Noncurrent assets plus other real estate owned to assets0.0364%5,052
Noncurrent loans to loans0.0457%4,911
Net loans and leases to total assets77.5878%1,331
Net loans and leases to deposits103.0034%549
Net loans and leases to core deposits103.0034%1,466
Total domestic deposits to total assets75.3255%5,096
Equity capital to assets14.1413%957
Core capital (leverage) ratio14.0961%871
Tier 1 risk-based capital ratio17.5880%1,981
Total risk-based capital ratio18.8546%1,916
Memoranda:
Average total assets$14,408,7505,711
Average earning assets$13,168,7505,699
Average equity$1,893,0005,682
Average total loans$10,712,0005,585
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8996%695
Cost of funding earning assets0.3166%3,913
Net interest margin4.5830%491
Noninterest income to average assets0.6972%2,002
Noninterest expense to average assets3.4041%1,157
Loan and lease loss provision to assets0.0410%3,184
Net operating income to assets1.4081%1,050
Return on assets (ROA)1.4081%1,076
Pretax return on assets1.4081%1,991
Return on Equity (ROE)10.9808%1,656
Retained earnings to average equity (ytd only)-5.7569%5,562
Net charge-offs to loans0.0752%1,867
Credit loss provision to net charge-offs75.0000%2,318
Earnings coverage of net charge-offs (x)26.5000%1,571
Efficiency ratio70.1408%2,652
Assets per employee ($millions)2.8204%5,408
Cash dividends to net income (ytd only)*152.4272%148
Condition Ratios (%)
Loss allowance to loans2.4231%311
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,332
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets76.5282%1,461
Net loans and leases to deposits105.0725%441
Net loans and leases to core deposits105.0725%1,287
Total domestic deposits to total assets72.8336%5,401
Equity capital to assets13.3102%1,228
Core capital (leverage) ratio13.4997%1,000
Tier 1 risk-based capital ratio16.7874%2,205
Total risk-based capital ratio18.0485%2,164
Memoranda:
Average total assets$14,629,3305,757
Average earning assets$13,266,3305,748
Average equity$1,876,0005,731
Average total loans$10,637,6705,631
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7303%887
Cost of funding earning assets0.3013%4,032
Net interest margin4.4290%608
Noninterest income to average assets0.6177%2,337
Noninterest expense to average assets3.3036%1,384
Loan and lease loss provision to assets0.0269%3,224
Net operating income to assets1.2355%1,416
Return on assets (ROA)1.2355%1,452
Pretax return on assets1.2355%2,458
Return on Equity (ROE)9.8107%2,049
Retained earnings to average equity (ytd only)-23.6737%5,763
Net charge-offs to loans0.3069%603
Credit loss provision to net charge-offs12.5000%2,210
Earnings coverage of net charge-offs (x)5.8750%2,250
Efficiency ratio72.3529%2,511
Assets per employee ($millions)2.8008%5,486
Cash dividends to net income (ytd only)*341.3043%82
Condition Ratios (%)
Loss allowance to loans2.4747%319
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets73.7289%1,786
Net loans and leases to deposits92.4351%1,279
Net loans and leases to core deposits92.4351%2,124
Total domestic deposits to total assets79.7629%4,667
Equity capital to assets12.9963%1,259
Core capital (leverage) ratio12.4846%1,346
Tier 1 risk-based capital ratio16.8800%2,222
Total risk-based capital ratio18.1413%2,179
Memoranda:
Average total assets$14,893,0005,825
Average earning assets$13,276,0005,815
Average equity$1,875,5005,798
Average total loans$10,426,5005,698
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9718%629
Cost of funding earning assets0.3073%3,984
Net interest margin4.6645%444
Noninterest income to average assets0.8957%1,424
Noninterest expense to average assets3.6047%1,012
Loan and lease loss provision to assets0.0433%3,513
Net operating income to assets1.5242%791
Return on assets (ROA)1.5242%819
Pretax return on assets1.5242%1,508
Return on Equity (ROE)11.4811%1,411
Retained earnings to average equity (ytd only)5.2236%2,185
Net charge-offs to loans-0.0095%4,932
Credit loss provision to net charge-offs-600.0000%5,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.6927%2,959
Assets per employee ($millions)3.9455%4,066
Cash dividends to net income (ytd only)*54.5024%2,058
Condition Ratios (%)
Loss allowance to loans2.6203%273
Loan loss allowance to noncurrent loans6,725.0000%126
Noncurrent assets plus other real estate owned to assets0.0253%5,286
Noncurrent loans to loans0.0390%5,103
Net loans and leases to total assets63.3443%3,435
Net loans and leases to deposits78.0711%3,094
Net loans and leases to core deposits78.0711%3,567
Total domestic deposits to total assets81.1367%4,302
Equity capital to assets12.2355%1,666
Core capital (leverage) ratio13.5480%957
Tier 1 risk-based capital ratio17.7156%1,940
Total risk-based capital ratio18.9817%1,896
Memoranda:
Average total assets$13,843,2005,885
Average earning assets$12,691,6005,877
Average equity$1,837,8005,860
Average total loans$10,506,4005,756
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0613%535
Cost of funding earning assets0.3103%3,972
Net interest margin4.7510%396
Noninterest income to average assets0.7885%1,811
Noninterest expense to average assets3.7328%811
Loan and lease loss provision to assets0.0499%3,246
Net operating income to assets1.4373%992
Return on assets (ROA)1.4373%1,042
Pretax return on assets1.4373%1,924
Return on Equity (ROE)10.5814%1,840
Retained earnings to average equity (ytd only)2.1312%4,626
Net charge-offs to loans-0.0126%4,857
Credit loss provision to net charge-offs-500.0000%5,072
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.5105%2,650
Assets per employee ($millions)3.3390%4,996
Cash dividends to net income (ytd only)*79.8594%740
Condition Ratios (%)
Loss allowance to loans2.4441%350
Loan loss allowance to noncurrent loans8,933.3333%83
Noncurrent assets plus other real estate owned to assets0.0225%5,422
Noncurrent loans to loans0.0274%5,272
Net loans and leases to total assets80.0913%880
Net loans and leases to deposits102.5698%534
Net loans and leases to core deposits102.5698%1,439
Total domestic deposits to total assets78.0848%4,897
Equity capital to assets13.9563%1,053
Core capital (leverage) ratio14.0605%829
Tier 1 risk-based capital ratio16.8429%2,282
Total risk-based capital ratio18.1079%2,232
Memoranda:
Average total assets$13,358,5005,955
Average earning assets$12,460,2505,943
Average equity$1,814,5005,925
Average total loans$10,566,5005,817
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9297%677
Cost of funding earning assets0.3051%4,064
Net interest margin4.6246%486
Noninterest income to average assets0.7635%1,873
Noninterest expense to average assets3.7726%799
Loan and lease loss provision to assets0.0449%3,256
Net operating income to assets1.2575%1,397
Return on assets (ROA)1.2575%1,516
Pretax return on assets1.2575%2,575
Return on Equity (ROE)9.3437%2,338
Retained earnings to average equity (ytd only)-3.4483%5,669
Net charge-offs to loans-0.0192%4,929
Credit loss provision to net charge-offs-300.0000%4,812
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.3363%2,314
Assets per employee ($millions)2.6228%5,725
Cash dividends to net income (ytd only)*136.9048%251
Condition Ratios (%)
Loss allowance to loans2.4927%366
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,652
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets79.3427%1,010
Net loans and leases to deposits101.6113%591
Net loans and leases to core deposits101.6113%1,501
Total domestic deposits to total assets78.0845%4,985
Equity capital to assets13.7563%1,118
Core capital (leverage) ratio13.5192%971
Tier 1 risk-based capital ratio16.8158%2,298
Total risk-based capital ratio18.0835%2,240
Memoranda:
Average total assets$13,359,3306,033
Average earning assets$12,455,0006,021
Average equity$1,798,0006,002
Average total loans$10,433,6705,893
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7243%997
Cost of funding earning assets0.3171%3,983
Net interest margin4.4073%729
Noninterest income to average assets0.7417%1,850
Noninterest expense to average assets3.7977%779
Loan and lease loss provision to assets0.0297%3,264
Net operating income to assets1.0384%2,127
Return on assets (ROA)1.0384%2,250
Pretax return on assets1.0384%3,329
Return on Equity (ROE)7.7994%3,032
Retained earnings to average equity (ytd only)-17.8273%5,943
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.0488%1,890
Assets per employee ($millions)2.6444%5,764
Cash dividends to net income (ytd only)*328.5714%100
Condition Ratios (%)
Loss allowance to loans2.5986%351
Loan loss allowance to noncurrent loans13,150.0000%65
Noncurrent assets plus other real estate owned to assets0.0151%5,600
Noncurrent loans to loans0.0198%5,425
Net loans and leases to total assets74.5576%1,637
Net loans and leases to deposits95.2924%1,009
Net loans and leases to core deposits95.2924%1,862
Total domestic deposits to total assets78.2408%5,104
Equity capital to assets13.2733%1,278
Core capital (leverage) ratio13.1628%1,097
Tier 1 risk-based capital ratio17.1638%2,226
Total risk-based capital ratio18.4254%2,189
Memoranda:
Average total assets$13,482,0006,094
Average earning assets$12,615,5006,079
Average equity$1,795,0006,063
Average total loans$10,315,0005,956
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9763%660
Cost of funding earning assets0.3345%3,853
Net interest margin4.6418%503
Noninterest income to average assets0.8631%1,557
Noninterest expense to average assets3.9065%753
Loan and lease loss provision to assets0.0454%3,418
Net operating income to assets1.2189%1,486
Return on assets (ROA)1.2189%1,553
Pretax return on assets1.2189%2,595
Return on Equity (ROE)9.0776%2,420
Retained earnings to average equity (ytd only)2.1425%4,497
Net charge-offs to loans-0.3821%6,052
Credit loss provision to net charge-offs-15.0000%4,965
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.5490%2,344
Assets per employee ($millions)2.7484%5,740
Cash dividends to net income (ytd only)*76.3975%995
Condition Ratios (%)
Loss allowance to loans2.4931%398
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,750
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets74.5670%1,635
Net loans and leases to deposits95.2766%1,090
Net loans and leases to core deposits95.2766%1,915
Total domestic deposits to total assets78.2637%5,109
Equity capital to assets13.3532%1,184
Core capital (leverage) ratio13.7104%905
Tier 1 risk-based capital ratio16.9955%2,284
Total risk-based capital ratio18.2643%2,226
Memoranda:
Average total assets$13,208,6006,157
Average earning assets$12,258,2006,143
Average equity$1,773,6006,122
Average total loans$10,468,8006,005
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0147%599
Cost of funding earning assets0.3409%3,847
Net interest margin4.6738%473
Noninterest income to average assets0.7648%1,960
Noninterest expense to average assets3.8953%749
Loan and lease loss provision to assets0.0510%3,186
Net operating income to assets1.1523%1,821
Return on assets (ROA)1.1523%1,887
Pretax return on assets1.1523%3,006
Return on Equity (ROE)8.5687%2,787
Retained earnings to average equity (ytd only)-0.7581%5,730
Net charge-offs to loans-0.5099%6,157
Credit loss provision to net charge-offs-12.5000%4,860
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.4000%2,182
Assets per employee ($millions)2.5306%5,946
Cash dividends to net income (ytd only)*108.8544%284
Condition Ratios (%)
Loss allowance to loans2.4390%478
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets82.5101%527
Net loans and leases to deposits107.6289%314
Net loans and leases to core deposits107.6289%998
Total domestic deposits to total assets76.6617%5,396
Equity capital to assets14.1231%977
Core capital (leverage) ratio14.3430%772
Tier 1 risk-based capital ratio16.6465%2,502
Total risk-based capital ratio17.9134%2,456
Memoranda:
Average total assets$13,075,2506,243
Average earning assets$12,124,0006,230
Average equity$1,758,2506,209
Average total loans$10,458,7506,085
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8902%748
Cost of funding earning assets0.3423%3,897
Net interest margin4.5479%575
Noninterest income to average assets0.7415%2,038
Noninterest expense to average assets3.9044%759
Loan and lease loss provision to assets0.0454%3,205
Net operating income to assets1.0139%2,319
Return on assets (ROA)1.0139%2,430
Pretax return on assets1.0139%3,528
Return on Equity (ROE)7.6630%3,227
Retained earnings to average equity (ytd only)-6.4049%6,068
Net charge-offs to loans-0.7709%6,247
Credit loss provision to net charge-offs-7.5000%4,684
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.6585%1,966
Assets per employee ($millions)2.5004%6,029
Cash dividends to net income (ytd only)*183.5821%123
Condition Ratios (%)
Loss allowance to loans2.4411%520
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets82.7948%496
Net loans and leases to deposits107.9579%306
Net loans and leases to core deposits107.9579%955
Total domestic deposits to total assets76.6917%5,502
Equity capital to assets13.9258%1,003
Core capital (leverage) ratio13.4586%998
Tier 1 risk-based capital ratio16.2604%2,731
Total risk-based capital ratio17.5212%2,683
Memoranda:
Average total assets$13,216,0006,320
Average earning assets$12,269,3306,303
Average equity$1,748,6706,285
Average total loans$10,378,0006,157
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6820%1,067
Cost of funding earning assets0.3457%3,918
Net interest margin4.3364%816
Noninterest income to average assets0.7073%2,134
Noninterest expense to average assets3.7133%993
Loan and lease loss provision to assets0.0589%2,751
Net operating income to assets1.0020%2,261
Return on assets (ROA)1.0020%2,396
Pretax return on assets1.0020%3,495
Return on Equity (ROE)7.7603%3,092
Retained earnings to average equity (ytd only)-20.3138%6,275
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.7778%2,216
Assets per employee ($millions)2.7082%5,957
Cash dividends to net income (ytd only)*361.7647%65
Condition Ratios (%)
Loss allowance to loans2.1223%893
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets74.2486%1,460
Net loans and leases to deposits94.7865%913
Net loans and leases to core deposits94.7865%1,710
Total domestic deposits to total assets78.3325%5,385
Equity capital to assets12.6135%1,621
Core capital (leverage) ratio12.7950%1,238
Tier 1 risk-based capital ratio15.9432%2,947
Total risk-based capital ratio17.2034%2,885
Memoranda:
Average total assets$13,573,0006,389
Average earning assets$12,729,5006,371
Average equity$1,752,5006,351
Average total loans$10,262,0006,225
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0180%743
Cost of funding earning assets0.3550%4,200
Net interest margin4.6630%556
Noninterest income to average assets0.8790%1,573
Noninterest expense to average assets3.8466%920
Loan and lease loss provision to assets0.0451%3,677
Net operating income to assets1.3298%1,233
Return on assets (ROA)1.3298%1,286
Pretax return on assets1.3298%2,142
Return on Equity (ROE)10.1607%2,044
Retained earnings to average equity (ytd only)3.6739%3,610
Net charge-offs to loans0.0845%3,287
Credit loss provision to net charge-offs66.6667%3,140
Earnings coverage of net charge-offs (x)20.3333%1,730
Efficiency ratio73.6691%2,886
Assets per employee ($millions)2.7210%6,006
Cash dividends to net income (ytd only)*63.8418%1,563
Condition Ratios (%)
Loss allowance to loans2.1069%940
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets73.7670%1,627
Net loans and leases to deposits95.1099%980
Net loans and leases to core deposits95.1099%1,801
Total domestic deposits to total assets77.5597%5,513
Equity capital to assets13.2084%1,273
Core capital (leverage) ratio13.3646%1,012
Tier 1 risk-based capital ratio17.1159%2,469
Total risk-based capital ratio18.3732%2,426
Memoranda:
Average total assets$13,310,4006,476
Average earning assets$12,395,4006,459
Average equity$1,742,0006,435
Average total loans$10,645,4006,299
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0742%679
Cost of funding earning assets0.3678%4,146
Net interest margin4.7064%501
Noninterest income to average assets0.7151%2,256
Noninterest expense to average assets3.7873%987
Loan and lease loss provision to assets0.0504%3,365
Net operating income to assets1.2591%1,501
Return on assets (ROA)1.2591%1,555
Pretax return on assets1.2591%2,538
Return on Equity (ROE)9.6433%2,383
Retained earnings to average equity (ytd only)0.9258%5,511
Net charge-offs to loans0.1117%2,680
Credit loss provision to net charge-offs55.5556%3,018
Earnings coverage of net charge-offs (x)14.4442%2,142
Efficiency ratio74.3083%2,772
Assets per employee ($millions)2.5438%6,198
Cash dividends to net income (ytd only)*90.3996%512
Condition Ratios (%)
Loss allowance to loans2.0391%1,183
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets81.2092%585
Net loans and leases to deposits106.4406%311
Net loans and leases to core deposits106.4406%930
Total domestic deposits to total assets76.2953%5,776
Equity capital to assets13.7196%1,102
Core capital (leverage) ratio13.5083%993
Tier 1 risk-based capital ratio16.3008%2,903
Total risk-based capital ratio17.5619%2,850
Memoranda:
Average total assets$13,236,7506,557
Average earning assets$12,323,5006,539
Average equity$1,728,2506,512
Average total loans$10,743,7506,368
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8902%925
Cost of funding earning assets0.3664%4,247
Net interest margin4.5239%675
Noninterest income to average assets0.7010%2,273
Noninterest expense to average assets3.7287%1,081
Loan and lease loss provision to assets0.0447%3,426
Net operating income to assets1.1634%1,710
Return on assets (ROA)1.1634%1,779
Pretax return on assets1.1634%2,822
Return on Equity (ROE)9.0557%2,564
Retained earnings to average equity (ytd only)-4.0635%6,179
Net charge-offs to loans0.1665%2,057
Credit loss provision to net charge-offs33.3333%3,009
Earnings coverage of net charge-offs (x)9.0000%2,411
Efficiency ratio75.5287%2,717
Assets per employee ($millions)2.6274%6,180
Cash dividends to net income (ytd only)*144.8718%236
Condition Ratios (%)
Loss allowance to loans1.9323%1,505
Loan loss allowance to noncurrent loans21,300.0000%38
Noncurrent assets plus other real estate owned to assets0.0076%6,235
Noncurrent loans to loans0.0091%6,067
Net loans and leases to total assets82.2867%444
Net loans and leases to deposits106.3662%291
Net loans and leases to core deposits106.3662%877
Total domestic deposits to total assets77.3617%5,744
Equity capital to assets12.9253%1,410
Core capital (leverage) ratio12.7823%1,247
Tier 1 risk-based capital ratio15.7733%3,212
Total risk-based capital ratio17.0367%3,139
Memoranda:
Average total assets$13,409,3306,621
Average earning assets$12,555,6706,603
Average equity$1,722,6706,576
Average total loans$10,810,3306,423
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8828%896
Cost of funding earning assets0.3443%4,595
Net interest margin4.5385%613
Noninterest income to average assets0.6792%2,290
Noninterest expense to average assets3.6913%1,147
Loan and lease loss provision to assets0.0295%3,436
Net operating income to assets1.2403%1,371
Return on assets (ROA)1.2403%1,429
Pretax return on assets1.2403%2,317
Return on Equity (ROE)9.6830%2,165
Retained earnings to average equity (ytd only)0.9222%5,228
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.4048%3,067
Assets per employee ($millions)2.6940%6,208
Cash dividends to net income (ytd only)*90.4762%809
Condition Ratios (%)
Loss allowance to loans2.1357%1,258
Loan loss allowance to noncurrent loans2,444.4444%237
Noncurrent assets plus other real estate owned to assets0.0668%6,072
Noncurrent loans to loans0.0874%5,870
Net loans and leases to total assets74.8404%1,142
Net loans and leases to deposits96.8954%602
Net loans and leases to core deposits96.8954%1,316
Total domestic deposits to total assets77.2383%5,937
Equity capital to assets12.8953%1,355
Core capital (leverage) ratio13.2595%1,061
Tier 1 risk-based capital ratio17.3388%2,540
Total risk-based capital ratio18.5965%2,502
Memoranda:
Average total assets$13,545,5006,692
Average earning assets$12,779,5006,675
Average equity$1,735,0006,638
Average total loans$10,704,0006,496
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9467%1,007
Cost of funding earning assets0.2930%5,653
Net interest margin4.6536%550
Noninterest income to average assets0.9466%1,533
Noninterest expense to average assets3.9427%932
Loan and lease loss provision to assets0.0235%4,659
Net operating income to assets1.2047%1,546
Return on assets (ROA)1.2047%1,621
Pretax return on assets1.2047%2,561
Return on Equity (ROE)9.1492%2,470
Retained earnings to average equity (ytd only)-1.0100%6,065
Net charge-offs to loans0.0406%4,659
Credit loss provision to net charge-offs75.0000%3,172
Earnings coverage of net charge-offs (x)39.2500%967
Efficiency ratio76.2481%2,735
Assets per employee ($millions)2.7242%6,194
Cash dividends to net income (ytd only)*111.0390%287
Condition Ratios (%)
Loss allowance to loans1.9717%1,619
Loan loss allowance to noncurrent loans2,737.5000%231
Noncurrent assets plus other real estate owned to assets0.0587%6,185
Noncurrent loans to loans0.0720%6,003
Net loans and leases to total assets79.9354%601
Net loans and leases to deposits107.0389%233
Net loans and leases to core deposits107.0389%742
Total domestic deposits to total assets74.6788%6,231
Equity capital to assets12.7230%1,412
Core capital (leverage) ratio12.7558%1,232
Tier 1 risk-based capital ratio16.6907%2,765
Total risk-based capital ratio17.9524%2,711
Memoranda:
Average total assets$12,783,0006,776
Average earning assets$11,603,8006,764
Average equity$1,683,2006,734
Average total loans$9,847,6006,599
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9035%1,117
Cost of funding earning assets0.2481%6,104
Net interest margin4.6553%557
Noninterest income to average assets0.7741%2,266
Noninterest expense to average assets3.8599%1,014
Loan and lease loss provision to assets0.0212%4,576
Net operating income to assets1.0710%2,113
Return on assets (ROA)1.0710%2,197
Pretax return on assets1.0710%3,222
Return on Equity (ROE)8.0599%3,092
Retained earnings to average equity (ytd only)-5.5861%6,517
Net charge-offs to loans0.0420%4,311
Credit loss provision to net charge-offs66.6667%3,140
Earnings coverage of net charge-offs (x)34.3325%1,117
Efficiency ratio77.9443%2,430
Assets per employee ($millions)2.7608%6,204
Cash dividends to net income (ytd only)*169.3079%95
Condition Ratios (%)
Loss allowance to loans1.9746%1,784
Loan loss allowance to noncurrent loans21,900.0000%38
Noncurrent assets plus other real estate owned to assets0.0072%6,490
Noncurrent loans to loans0.0090%6,351
Net loans and leases to total assets78.7598%676
Net loans and leases to deposits103.1010%328
Net loans and leases to core deposits103.1010%927
Total domestic deposits to total assets76.3909%6,128
Equity capital to assets12.1704%1,805
Core capital (leverage) ratio13.9396%883
Tier 1 risk-based capital ratio16.1461%3,104
Total risk-based capital ratio17.4051%3,061
Memoranda:
Average total assets$12,573,5006,858
Average earning assets$11,284,2506,844
Average equity$1,670,7506,813
Average total loans$9,532,7506,682
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9071%1,078
Cost of funding earning assets0.2014%6,466
Net interest margin4.7057%503
Noninterest income to average assets0.7564%2,385
Noninterest expense to average assets3.9463%923
Loan and lease loss provision to assets0.0164%4,566
Net operating income to assets1.0195%2,245
Return on assets (ROA)1.0195%2,369
Pretax return on assets1.0195%3,419
Return on Equity (ROE)7.4355%3,376
Retained earnings to average equity (ytd only)-13.0721%6,733
Net charge-offs to loans0.0666%3,757
Credit loss provision to net charge-offs33.3333%3,530
Earnings coverage of net charge-offs (x)21.0000%1,432
Efficiency ratio79.2079%2,272
Assets per employee ($millions)2.3820%6,592
Cash dividends to net income (ytd only)*275.8065%49
Condition Ratios (%)
Loss allowance to loans2.3691%1,137
Loan loss allowance to noncurrent loans220.2020%1,832
Noncurrent assets plus other real estate owned to assets0.8312%4,159
Noncurrent loans to loans1.0759%3,774
Net loans and leases to total assets75.4324%1,050
Net loans and leases to deposits89.8400%1,165
Net loans and leases to core deposits89.8400%1,921
Total domestic deposits to total assets83.9631%4,331
Equity capital to assets13.7783%1,026
Core capital (leverage) ratio13.4873%982
Tier 1 risk-based capital ratio19.5613%1,837
Total risk-based capital ratio20.8249%1,809
Memoranda:
Average total assets$12,163,3306,910
Average earning assets$10,923,0006,898
Average equity$1,667,6706,863
Average total loans$9,013,3306,742
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9195%1,031
Cost of funding earning assets0.2203%6,474
Net interest margin4.6992%469
Noninterest income to average assets0.7486%2,344
Noninterest expense to average assets3.8080%1,100
Loan and lease loss provision to assets0.0325%4,036
Net operating income to assets1.0740%1,955
Return on assets (ROA)1.0740%2,064
Pretax return on assets1.0740%3,051
Return on Equity (ROE)7.8525%3,047
Retained earnings to average equity (ytd only)-32.8376%6,909
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.4834%2,695
Assets per employee ($millions)2.5156%6,570
Cash dividends to net income (ytd only)*518.1818%24
Condition Ratios (%)
Loss allowance to loans2.6335%980
Loan loss allowance to noncurrent loans223.2323%1,712
Noncurrent assets plus other real estate owned to assets0.7871%4,409
Noncurrent loans to loans1.1797%3,802
Net loans and leases to total assets64.9626%2,545
Net loans and leases to deposits76.3716%2,575
Net loans and leases to core deposits76.3716%3,265
Total domestic deposits to total assets85.0612%4,011
Equity capital to assets12.8160%1,521
Core capital (leverage) ratio13.4805%953
Tier 1 risk-based capital ratio19.3634%1,947
Total risk-based capital ratio20.6366%1,913
Memoranda:
Average total assets$12,290,0006,986
Average earning assets$10,895,5006,974
Average equity$1,681,0006,930
Average total loans$8,919,0006,814
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7234%419
Cost of funding earning assets0.2811%6,549
Net interest margin5.4422%186
Noninterest income to average assets1.0261%1,461
Noninterest expense to average assets3.9077%1,092
Loan and lease loss provision to assets-1.0432%7,070
Net operating income to assets2.7961%109
Return on assets (ROA)2.7961%117
Pretax return on assets2.7961%174
Return on Equity (ROE)20.0490%302
Retained earnings to average equity (ytd only)15.6346%135
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0332%3,970
Assets per employee ($millions)2.4004%6,708
Cash dividends to net income (ytd only)*22.0183%3,674
Condition Ratios (%)
Loss allowance to loans2.3290%1,326
Loan loss allowance to noncurrent loans229.1667%1,643
Noncurrent assets plus other real estate owned to assets0.7999%4,470
Noncurrent loans to loans1.0163%4,168
Net loans and leases to total assets76.8705%803
Net loans and leases to deposits90.1505%1,060
Net loans and leases to core deposits90.1505%1,820
Total domestic deposits to total assets85.2691%3,728
Equity capital to assets14.5809%846
Core capital (leverage) ratio14.3349%712
Tier 1 risk-based capital ratio20.5182%1,557
Total risk-based capital ratio21.7845%1,528
Memoranda:
Average total assets$11,694,8007,054
Average earning assets$9,959,2007,046
Average equity$1,631,0007,010
Average total loans$8,996,2006,883
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6383%524
Cost of funding earning assets0.2946%6,640
Net interest margin5.3437%223
Noninterest income to average assets0.8836%1,894
Noninterest expense to average assets3.7642%1,272
Loan and lease loss provision to assets-1.4116%7,174
Net operating income to assets3.1100%99
Return on assets (ROA)3.1100%105
Pretax return on assets3.1100%142
Return on Equity (ROE)22.5649%211
Retained earnings to average equity (ytd only)16.5702%168
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.9076%3,892
Assets per employee ($millions)2.3024%6,858
Cash dividends to net income (ytd only)*26.5692%2,785
Condition Ratios (%)
Loss allowance to loans2.2954%1,527
Loan loss allowance to noncurrent loans228.1250%1,568
Noncurrent assets plus other real estate owned to assets0.8339%4,621
Noncurrent loans to loans1.0062%4,444
Net loans and leases to total assets80.9764%432
Net loans and leases to deposits95.1322%717
Net loans and leases to core deposits95.1322%1,476
Total domestic deposits to total assets85.1199%3,698
Equity capital to assets14.7151%901
Core capital (leverage) ratio15.1956%576
Tier 1 risk-based capital ratio19.3335%1,916
Total risk-based capital ratio20.6003%1,881
Memoranda:
Average total assets$11,618,0007,150
Average earning assets$9,955,5007,140
Average equity$1,601,2507,109
Average total loans$8,883,7506,981
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5113%703
Cost of funding earning assets0.3254%6,621
Net interest margin5.1859%299
Noninterest income to average assets0.8581%1,941
Noninterest expense to average assets3.7757%1,255
Loan and lease loss provision to assets-2.1110%7,240
Net operating income to assets3.5698%73
Return on assets (ROA)3.5698%73
Pretax return on assets3.5698%102
Return on Equity (ROE)26.4912%123
Retained earnings to average equity (ytd only)17.3212%171
Net charge-offs to loans0.0231%5,077
Credit loss provision to net charge-offs-12,300.0000%6,608
Earnings coverage of net charge-offs (x)85.0000%484
Efficiency ratio72.1311%3,413
Assets per employee ($millions)2.2156%6,962
Cash dividends to net income (ytd only)*34.6154%2,410
Condition Ratios (%)
Loss allowance to loans2.3547%1,493
Loan loss allowance to noncurrent loans222.4490%1,555
Noncurrent assets plus other real estate owned to assets0.8846%4,603
Noncurrent loans to loans1.0585%4,395
Net loans and leases to total assets81.6032%363
Net loans and leases to deposits96.3342%609
Net loans and leases to core deposits96.3342%1,405
Total domestic deposits to total assets84.7084%3,999
Equity capital to assets14.7229%855
Core capital (leverage) ratio14.2695%743
Tier 1 risk-based capital ratio19.8250%1,747
Total risk-based capital ratio21.0891%1,714
Memoranda:
Average total assets$11,653,3307,211
Average earning assets$9,834,3307,206
Average equity$1,570,3307,168
Average total loans$8,664,6707,049
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4942%764
Cost of funding earning assets0.3718%6,544
Net interest margin5.1224%331
Noninterest income to average assets0.8040%2,147
Noninterest expense to average assets3.6848%1,405
Loan and lease loss provision to assets-4.1538%7,306
Net operating income to assets5.4267%41
Return on assets (ROA)5.4267%45
Pretax return on assets5.4267%55
Return on Equity (ROE)42.0779%44
Retained earnings to average equity (ytd only)23.3766%114
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.3243%3,044
Assets per employee ($millions)2.4114%6,913
Cash dividends to net income (ytd only)*44.4444%1,624
Condition Ratios (%)
Loss allowance to loans2.7145%1,098
Loan loss allowance to noncurrent loans224.7423%1,477
Noncurrent assets plus other real estate owned to assets0.8045%4,932
Noncurrent loans to loans1.2078%4,316
Net loans and leases to total assets64.8005%2,690
Net loans and leases to deposits74.7226%3,008
Net loans and leases to core deposits80.4966%3,009
Total domestic deposits to total assets86.7214%3,106
Equity capital to assets13.1459%1,379
Core capital (leverage) ratio13.6192%900
Tier 1 risk-based capital ratio19.8472%1,743
Total risk-based capital ratio21.1119%1,717
Memoranda:
Average total assets$11,941,0007,272
Average earning assets$9,683,0007,268
Average equity$1,540,0007,229
Average total loans$8,368,0007,123
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5053%1,164
Cost of funding earning assets0.4441%6,750
Net interest margin5.0611%359
Noninterest income to average assets0.8605%1,801
Noninterest expense to average assets3.9823%1,064
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets1.3640%1,099
Return on assets (ROA)1.3640%1,190
Pretax return on assets1.3640%1,900
Return on Equity (ROE)10.4386%1,895
Retained earnings to average equity (ytd only)6.7255%1,628
Net charge-offs to loans-1.1470%7,307
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.4863%3,143
Assets per employee ($millions)2.3650%6,950
Cash dividends to net income (ytd only)*35.5705%2,836
Condition Ratios (%)
Loss allowance to loans3.9288%401
Loan loss allowance to noncurrent loans352.5773%940
Noncurrent assets plus other real estate owned to assets0.8203%4,991
Noncurrent loans to loans1.1143%4,489
Net loans and leases to total assets70.7230%1,878
Net loans and leases to deposits81.0840%2,341
Net loans and leases to core deposits87.4425%2,443
Total domestic deposits to total assets87.2220%2,630
Equity capital to assets12.6427%1,709
Core capital (leverage) ratio13.0773%1,112
Tier 1 risk-based capital ratio18.6898%1,991
Total risk-based capital ratio19.9775%1,940
Memoranda:
Average total assets$10,923,4007,327
Average earning assets$9,681,6007,316
Average equity$1,427,4007,296
Average total loans$8,108,2007,180
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4372%1,420
Cost of funding earning assets0.4577%6,857
Net interest margin4.9795%433
Noninterest income to average assets0.7976%2,064
Noninterest expense to average assets3.9633%1,048
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.3087%1,355
Return on assets (ROA)1.3087%1,444
Pretax return on assets1.3087%2,262
Return on Equity (ROE)9.9256%2,227
Retained earnings to average equity (ytd only)4.9153%3,231
Net charge-offs to loans-1.5580%7,388
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.1773%2,977
Assets per employee ($millions)2.1378%7,179
Cash dividends to net income (ytd only)*50.4714%1,573
Condition Ratios (%)
Loss allowance to loans3.9740%399
Loan loss allowance to noncurrent loans335.2941%954
Noncurrent assets plus other real estate owned to assets0.9543%4,838
Noncurrent loans to loans1.1852%4,561
Net loans and leases to total assets77.3131%802
Net loans and leases to deposits90.1200%1,201
Net loans and leases to core deposits98.1473%1,413
Total domestic deposits to total assets85.7891%3,333
Equity capital to assets13.5747%1,339
Core capital (leverage) ratio13.2961%1,110
Tier 1 risk-based capital ratio18.9105%1,965
Total risk-based capital ratio20.2007%1,926
Memoranda:
Average total assets$10,698,0007,408
Average earning assets$9,612,5007,394
Average equity$1,410,5007,375
Average total loans$7,959,0007,256
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4219%1,498
Cost of funding earning assets0.5063%6,827
Net interest margin4.9156%469
Noninterest income to average assets0.8224%1,922
Noninterest expense to average assets3.9809%1,078
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.1961%1,586
Return on assets (ROA)1.1961%1,665
Pretax return on assets1.1961%2,499
Return on Equity (ROE)9.1625%2,448
Retained earnings to average equity (ytd only)1.5748%5,196
Net charge-offs to loans-0.2841%7,340
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.8953%2,876
Assets per employee ($millions)2.1030%7,231
Cash dividends to net income (ytd only)*82.8125%732
Condition Ratios (%)
Loss allowance to loans3.3640%664
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 assets71.0319%1,996
Net loans and leases to deposits82.1672%2,426
Net loans and leases to core deposits89.5564%2,431
Total domestic deposits to total assets86.4479%3,074
Equity capital to assets13.4094%1,336
Core capital (leverage) ratio12.9966%1,163
Tier 1 risk-based capital ratio18.1374%2,127
Total risk-based capital ratio19.4109%2,076
Memoranda:
Average total assets$10,701,0007,484
Average earning assets$9,480,0007,471
Average equity$1,397,0007,447
Average total loans$7,743,3307,339
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4357%1,461
Cost of funding earning assets0.5394%6,832
Net interest margin4.8963%469
Noninterest income to average assets0.8523%1,841
Noninterest expense to average assets4.0022%1,031
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.2229%1,468
Return on assets (ROA)1.2229%1,526
Pretax return on assets1.2229%2,300
Return on Equity (ROE)9.4930%2,283
Retained earnings to average equity (ytd only)-5.7533%6,574
Net charge-offs to loans-0.4645%7,399
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.5957%3,052
Assets per employee ($millions)2.1980%7,257
Cash dividends to net income (ytd only)*160.6061%289
Condition Ratios (%)
Loss allowance to loans3.4245%650
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 assets66.2056%2,954
Net loans and leases to deposits75.8628%3,439
Net loans and leases to core deposits82.2984%3,416
Total domestic deposits to total assets87.2702%2,787
Equity capital to assets12.5569%1,594
Core capital (leverage) ratio12.8566%1,172
Tier 1 risk-based capital ratio17.7272%2,209
Total risk-based capital ratio18.9999%2,165
Memoranda:
Average total assets$10,794,0007,539
Average earning assets$9,640,0007,527
Average equity$1,390,5007,503
Average total loans$7,750,5007,396
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7790%1,333
Cost of funding earning assets0.7880%6,620
Net interest margin4.9910%439
Noninterest income to average assets0.9653%1,627
Noninterest expense to average assets4.1316%980
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets1.4190%908
Return on assets (ROA)1.4190%978
Pretax return on assets1.4190%1,600
Return on Equity (ROE)11.0576%1,571
Retained earnings to average equity (ytd only)9.1019%675
Net charge-offs to loans-0.2183%7,548
Credit loss provision to net charge-offs0.0000%6,628
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.4348%3,311
Assets per employee ($millions)2.1196%7,355
Cash dividends to net income (ytd only)*17.6871%3,532
Condition Ratios (%)
Loss allowance to loans3.1254%783
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 assets72.8251%1,921
Net loans and leases to deposits84.2484%2,413
Net loans and leases to core deposits91.7608%2,528
Total domestic deposits to total assets86.4408%3,110
Equity capital to assets13.2195%1,292
Core capital (leverage) ratio12.9190%1,154
Tier 1 risk-based capital ratio18.0237%1,989
Total risk-based capital ratio19.2991%1,946
Memoranda:
Average total assets$10,359,2007,622
Average earning assets$9,517,2007,605
Average equity$1,329,4007,602
Average total loans$7,786,8007,474
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8038%1,387
Cost of funding earning assets0.8351%6,636
Net interest margin4.9687%471
Noninterest income to average assets0.8932%1,822
Noninterest expense to average assets4.1295%903
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets1.3074%1,320
Return on assets (ROA)1.3074%1,391
Pretax return on assets1.3074%2,149
Return on Equity (ROE)10.2676%2,017
Retained earnings to average equity (ytd only)7.6249%1,547
Net charge-offs to loans-0.2067%7,621
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.9524%2,956
Assets per employee ($millions)2.0714%7,489
Cash dividends to net income (ytd only)*25.7463%2,727
Condition Ratios (%)
Loss allowance to loans2.9716%843
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 assets76.9238%1,234
Net loans and leases to deposits90.9579%1,586
Net loans and leases to core deposits99.4756%1,895
Total domestic deposits to total assets84.5708%3,840
Equity capital to assets13.1022%1,523
Core capital (leverage) ratio13.1308%1,179
Tier 1 risk-based capital ratio17.2028%2,277
Total risk-based capital ratio18.4743%2,230
Memoranda:
Average total assets$10,299,5007,722
Average earning assets$9,418,7507,705
Average equity$1,311,5007,703
Average total loans$7,741,7507,573
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7393%1,599
Cost of funding earning assets0.8383%6,793
Net interest margin4.9009%536
Noninterest income to average assets0.8560%1,853
Noninterest expense to average assets4.1049%918
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets1.1867%1,592
Return on assets (ROA)1.1867%1,662
Pretax return on assets1.1867%2,461
Return on Equity (ROE)9.4112%2,312
Retained earnings to average equity (ytd only)5.3999%2,678
Net charge-offs to loans-0.5010%7,730
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.5735%2,798
Assets per employee ($millions)2.0550%7,550
Cash dividends to net income (ytd only)*42.6230%1,963
Condition Ratios (%)
Loss allowance to loans3.2015%702
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 assets73.8589%1,938
Net loans and leases to deposits85.5388%2,590
Net loans and leases to core deposits93.4376%2,800
Total domestic deposits to total assets86.3455%2,908
Equity capital to assets12.8273%1,642
Core capital (leverage) ratio12.4822%1,414
Tier 1 risk-based capital ratio17.5324%2,095
Total risk-based capital ratio18.8009%2,052
Memoranda:
Average total assets$10,280,3307,789
Average earning assets$9,304,3307,775
Average equity$1,296,3307,771
Average total loans$7,585,3307,640
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7049%1,758
Cost of funding earning assets0.8777%6,850
Net interest margin4.8272%605
Noninterest income to average assets0.8558%1,791
Noninterest expense to average assets4.0844%925
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.0503%2,001
Return on assets (ROA)1.0503%2,062
Pretax return on assets1.0503%2,902
Return on Equity (ROE)8.4014%2,699
Retained earnings to average equity (ytd only)0.3112%5,703
Net charge-offs to loans-0.4827%7,792
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.5455%2,638
Assets per employee ($millions)1.9880%7,673
Cash dividends to net income (ytd only)*96.2963%629
Condition Ratios (%)
Loss allowance to loans3.2340%678
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 assets72.5453%2,315
Net loans and leases to deposits83.6446%3,001
Net loans and leases to core deposits91.6148%3,154
Total domestic deposits to total assets86.7304%2,776
Equity capital to assets12.9276%1,552
Core capital (leverage) ratio12.5049%1,402
Tier 1 risk-based capital ratio18.5228%1,826
Total risk-based capital ratio19.7972%1,789
Memoranda:
Average total assets$10,283,0007,891
Average earning assets$9,115,0007,879
Average equity$1,285,5007,856
Average total loans$7,458,0007,741
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0799%1,575
Cost of funding earning assets1.0519%7,095
Net interest margin5.0281%423
Noninterest income to average assets0.8321%2,261
Noninterest expense to average assets4.3788%898
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets0.9777%1,916
Return on assets (ROA)0.9777%1,967
Pretax return on assets0.9777%2,666
Return on Equity (ROE)7.6262%2,529
Retained earnings to average equity (ytd only)5.0300%1,806
Net charge-offs to loans-0.5362%7,949
Credit loss provision to net charge-offs0.0000%7,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.7476%2,638
Assets per employee ($millions)2.1252%7,634
Cash dividends to net income (ytd only)*34.0426%3,166
Condition Ratios (%)
Loss allowance to loans3.1083%711
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets68.0595%3,694
Net loans and leases to deposits79.8675%4,022
Net loans and leases to core deposits95.1955%4,548
Total domestic deposits to total assets85.2155%3,450
Equity capital to assets12.1024%1,976
Core capital (leverage) ratio12.4914%1,462
Tier 1 risk-based capital ratio18.3673%1,785
Total risk-based capital ratio19.6465%1,734
Memoranda:
Average total assets$9,614,6007,972
Average earning assets$8,651,4007,959
Average equity$1,232,6007,958
Average total loans$6,714,0007,836
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0171%1,963
Cost of funding earning assets1.1096%7,159
Net interest margin4.9075%547
Noninterest income to average assets0.8118%2,372
Noninterest expense to average assets4.5575%693
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets0.7264%3,111
Return on assets (ROA)0.7264%3,177
Pretax return on assets0.7264%3,770
Return on Equity (ROE)5.5772%3,705
Retained earnings to average equity (ytd only)2.0775%4,164
Net charge-offs to loans-0.4086%8,016
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.2534%2,033
Assets per employee ($millions)1.9312%7,843
Cash dividends to net income (ytd only)*62.7500%1,495
Condition Ratios (%)
Loss allowance to loans3.0197%657
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets71.8413%3,077
Net loans and leases to deposits82.9190%3,845
Net loans and leases to core deposits96.9125%4,714
Total domestic deposits to total assets86.6404%2,359
Equity capital to assets12.8935%1,738
Core capital (leverage) ratio12.7045%1,496
Tier 1 risk-based capital ratio19.1088%1,721
Total risk-based capital ratio20.3775%1,682
Memoranda:
Average total assets$9,361,7508,060
Average earning assets$8,531,0008,047
Average equity$1,219,2508,041
Average total loans$6,526,5007,920
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8789%2,682
Cost of funding earning assets1.1424%7,264
Net interest margin4.7364%752
Noninterest income to average assets0.7556%2,674
Noninterest expense to average assets4.7066%638
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.3454%4,697
Return on assets (ROA)0.3454%4,814
Pretax return on assets0.3454%5,081
Return on Equity (ROE)2.6432%5,040
Retained earnings to average equity (ytd only)-2.6432%5,897
Net charge-offs to loans-0.6015%8,109
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.1624%1,555
Assets per employee ($millions)1.9262%7,902
Cash dividends to net income (ytd only)*200.0000%224
Condition Ratios (%)
Loss allowance to loans3.3505%427
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets64.3962%4,899
Net loans and leases to deposits74.0095%5,452
Net loans and leases to core deposits84.1291%6,082
Total domestic deposits to total assets87.0107%2,253
Equity capital to assets12.5844%1,889
Core capital (leverage) ratio12.5405%1,605
Tier 1 risk-based capital ratio20.0971%1,562
Total risk-based capital ratio21.3700%1,520
Memoranda:
Average total assets$9,263,6708,157
Average earning assets$8,403,0008,141
Average equity$1,210,6708,133
Average total loans$6,317,6708,018
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0091%2,326
Cost of funding earning assets1.2415%7,198
Net interest margin4.7675%653
Noninterest income to average assets0.7489%2,604
Noninterest expense to average assets5.0220%480
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets-0.0441%6,325
Return on assets (ROA)-0.0441%6,449
Pretax return on assets-0.0441%6,423
Return on Equity (ROE)-0.3306%6,448
Retained earnings to average equity (ytd only)-10.9091%7,193
Net charge-offs to loans0.4467%2,331
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)-0.1429%5,106
Efficiency ratio100.8850%1,095
Assets per employee ($millions)1.8352%8,000
Cash dividends to net income (ytd only)*-3,200.0000%8,239
Condition Ratios (%)
Loss allowance to loans3.0484%456
Loan loss allowance to noncurrent loans484.6154%720
Noncurrent assets plus other real estate owned to assets0.4250%6,232
Noncurrent loans to loans0.6290%5,827
Net loans and leases to total assets65.5078%4,701
Net loans and leases to deposits78.1868%4,895
Net loans and leases to core deposits83.7187%6,082
Total domestic deposits to total assets83.7838%3,810
Equity capital to assets13.0122%1,739
Core capital (leverage) ratio12.9050%1,514
Tier 1 risk-based capital ratio20.0135%1,620
Total risk-based capital ratio21.2824%1,572
Memoranda:
Average total assets$9,080,0008,207
Average earning assets$8,054,5008,193
Average equity$1,210,0008,185
Average total loans$6,268,0008,070
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7018%2,020
Cost of funding earning assets1.4838%7,633
Net interest margin5.2180%329
Noninterest income to average assets0.7398%2,846
Noninterest expense to average assets4.9284%646
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.6146%4,242
Return on assets (ROA)0.6146%4,103
Pretax return on assets0.6146%4,649
Return on Equity (ROE)4.5516%4,575
Retained earnings to average equity (ytd only)4.5516%2,288
Net charge-offs to loans0.1942%4,244
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)4.5000%3,957
Efficiency ratio88.9117%1,594
Assets per employee ($millions)1.7968%8,042
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans3.0934%403
Loan loss allowance to noncurrent loans3,266.6667%198
Noncurrent assets plus other real estate owned to assets0.0668%7,298
Noncurrent loans to loans0.0947%7,135
Net loans and leases to total assets68.3437%4,403
Net loans and leases to deposits79.7506%5,087
Net loans and leases to core deposits85.2896%6,185
Total domestic deposits to total assets85.6968%2,536
Equity capital to assets13.6465%1,554
Core capital (leverage) ratio13.5096%1,385
Tier 1 risk-based capital ratio20.4542%1,545
Total risk-based capital ratio21.7325%1,504
Memoranda:
Average total assets$8,785,8008,267
Average earning assets$8,087,4008,248
Average equity$1,186,4008,253
Average total loans$6,178,2008,118