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The Mercantile Bank of Louisiana, Missouri, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8601%1,725
Cost of funding earning assets0.3640%1,817
Net interest margin3.4961%1,749
Noninterest income to average assets0.2953%3,632
Noninterest expense to average assets2.3516%2,652
Loan and lease loss provision to assets0.1122%1,124
Net operating income to assets1.1828%1,978
Return on assets (ROA)1.1828%2,049
Pretax return on assets1.1828%2,724
Return on Equity (ROE)6.0935%3,759
Retained earnings to average equity (ytd only)-0.7054%4,566
Net charge-offs to loans-0.0195%3,967
Credit loss provision to net charge-offs-906.6667%3,895
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.4877%2,482
Assets per employee ($millions)4.7011%3,968
Cash dividends to net income (ytd only)*111.5760%139
Condition Ratios (%)
Loss allowance to loans4.1053%63
Loan loss allowance to noncurrent loans21,400.0000%84
Noncurrent assets plus other real estate owned to assets0.0115%4,030
Noncurrent loans to loans0.0192%3,937
Net loans and leases to total assets57.2553%2,449
Net loans and leases to deposits70.5151%2,073
Net loans and leases to core deposits71.8737%2,271
Total domestic deposits to total assets81.1958%4,080
Equity capital to assets18.7559%225
Core capital (leverage) ratio18.9697%204
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$121,236,4003,787
Average earning assets$116,215,4003,736
Average equity$23,533,2002,936
Average total loans$76,836,8003,527
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0051%1,523
Cost of funding earning assets0.3566%2,048
Net interest margin3.6485%1,470
Noninterest income to average assets0.3008%3,633
Noninterest expense to average assets2.2657%2,846
Loan and lease loss provision to assets0.1165%1,028
Net operating income to assets1.4139%1,498
Return on assets (ROA)1.4139%1,559
Pretax return on assets1.4139%2,279
Return on Equity (ROE)7.2223%3,609
Retained earnings to average equity (ytd only)2.7189%3,996
Net charge-offs to loans-0.0189%3,938
Credit loss provision to net charge-offs-963.6364%3,847
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.6807%3,029
Assets per employee ($millions)5.0632%3,638
Cash dividends to net income (ytd only)*62.3539%789
Condition Ratios (%)
Loss allowance to loans4.0532%66
Loan loss allowance to noncurrent loans17,423.5294%94
Noncurrent assets plus other real estate owned to assets0.0140%4,127
Noncurrent loans to loans0.0233%4,032
Net loans and leases to total assets57.7006%2,535
Net loans and leases to deposits72.5471%2,001
Net loans and leases to core deposits73.9823%2,246
Total domestic deposits to total assets79.5354%4,295
Equity capital to assets19.6055%211
Core capital (leverage) ratio19.5254%201
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$120,988,5003,832
Average earning assets$115,916,2503,777
Average equity$23,685,2502,968
Average total loans$77,801,5003,563
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9809%1,613
Cost of funding earning assets0.3696%2,142
Net interest margin3.6113%1,566
Noninterest income to average assets0.3046%3,610
Noninterest expense to average assets2.2398%2,956
Loan and lease loss provision to assets0.1192%1,057
Net operating income to assets1.4071%1,545
Return on assets (ROA)1.4071%1,610
Pretax return on assets1.4071%2,317
Return on Equity (ROE)7.1915%3,605
Retained earnings to average equity (ytd only)3.3842%3,723
Net charge-offs to loans-0.0176%3,932
Credit loss provision to net charge-offs-1,028.5714%3,668
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4725%3,085
Assets per employee ($millions)5.3554%3,283
Cash dividends to net income (ytd only)*52.9412%1,132
Condition Ratios (%)
Loss allowance to loans3.8834%73
Loan loss allowance to noncurrent loans11,696.0000%102
Noncurrent assets plus other real estate owned to assets0.0203%4,145
Noncurrent loans to loans0.0332%4,034
Net loans and leases to total assets58.7543%2,575
Net loans and leases to deposits73.7048%2,028
Net loans and leases to core deposits75.1389%2,315
Total domestic deposits to total assets79.7157%4,267
Equity capital to assets19.3158%215
Core capital (leverage) ratio19.1116%212
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$120,812,3333,842
Average earning assets$115,801,6673,790
Average equity$23,639,0002,964
Average total loans$79,376,0003,561
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6925%2,379
Cost of funding earning assets0.3804%2,258
Net interest margin3.3121%2,353
Noninterest income to average assets0.2976%3,626
Noninterest expense to average assets2.3840%2,543
Loan and lease loss provision to assets0.1204%1,142
Net operating income to assets0.9663%2,913
Return on assets (ROA)0.9663%3,009
Pretax return on assets0.9663%3,465
Return on Equity (ROE)4.9061%4,107
Retained earnings to average equity (ytd only)1.5109%4,121
Net charge-offs to loans-0.0197%3,989
Credit loss provision to net charge-offs-900.0000%3,338
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6898%1,847
Assets per employee ($millions)5.3671%3,257
Cash dividends to net income (ytd only)*69.2042%730
Condition Ratios (%)
Loss allowance to loans3.5795%92
Loan loss allowance to noncurrent loans10,685.1852%94
Noncurrent assets plus other real estate owned to assets0.0219%4,213
Noncurrent loans to loans0.0335%4,114
Net loans and leases to total assets62.9532%2,174
Net loans and leases to deposits78.4193%1,682
Net loans and leases to core deposits79.9292%2,009
Total domestic deposits to total assets80.2777%4,167
Equity capital to assets19.0354%221
Core capital (leverage) ratio19.6434%199
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$119,631,5003,866
Average earning assets$114,609,5003,804
Average equity$23,562,5002,961
Average total loans$81,417,0003,536
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1442%2,301
Cost of funding earning assets0.4911%3,002
Net interest margin3.6531%1,970
Noninterest income to average assets0.3087%3,635
Noninterest expense to average assets2.3768%3,185
Loan and lease loss provision to assets0.1927%2,027
Net operating income to assets1.2205%1,478
Return on assets (ROA)1.2241%1,580
Pretax return on assets1.2267%2,238
Return on Equity (ROE)5.7878%3,645
Retained earnings to average equity (ytd only)0.9365%4,248
Net charge-offs to loans-0.0320%4,555
Credit loss provision to net charge-offs-864.0000%4,027
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.6676%3,024
Assets per employee ($millions)5.0356%3,358
Cash dividends to net income (ytd only)*83.8192%544
Condition Ratios (%)
Loss allowance to loans3.4595%95
Loan loss allowance to noncurrent loans2,076.6423%377
Noncurrent assets plus other real estate owned to assets0.1183%3,699
Noncurrent loans to loans0.1666%3,610
Net loans and leases to total assets68.5483%1,756
Net loans and leases to deposits86.8346%1,187
Net loans and leases to core deposits88.6744%1,627
Total domestic deposits to total assets78.9413%4,208
Equity capital to assets20.3999%184
Core capital (leverage) ratio19.8071%196
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$112,085,6003,854
Average earning assets$106,895,4003,816
Average equity$23,705,0002,891
Average total loans$78,175,4003,591
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2613%2,220
Cost of funding earning assets0.5086%3,169
Net interest margin3.7527%1,754
Noninterest income to average assets0.3119%3,622
Noninterest expense to average assets2.4350%3,036
Loan and lease loss provision to assets0.2159%1,869
Net operating income to assets1.2331%1,542
Return on assets (ROA)1.2331%1,664
Pretax return on assets1.2367%2,271
Return on Equity (ROE)5.7773%3,625
Retained earnings to average equity (ytd only)2.1243%3,885
Net charge-offs to loans-0.0363%4,594
Credit loss provision to net charge-offs-857.1429%3,893
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.6350%2,966
Assets per employee ($millions)4.9857%3,266
Cash dividends to net income (ytd only)*63.2296%1,015
Condition Ratios (%)
Loss allowance to loans3.4985%95
Loan loss allowance to noncurrent loans1,821.4286%367
Noncurrent assets plus other real estate owned to assets0.1343%3,753
Noncurrent loans to loans0.1921%3,623
Net loans and leases to total assets67.4730%2,322
Net loans and leases to deposits86.1095%1,692
Net loans and leases to core deposits87.9647%2,151
Total domestic deposits to total assets78.3572%4,145
Equity capital to assets20.7856%185
Core capital (leverage) ratio20.3532%187
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$111,152,2503,864
Average earning assets$105,911,5003,823
Average equity$23,724,5002,889
Average total loans$77,160,0003,624
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4942%1,933
Cost of funding earning assets0.5214%3,409
Net interest margin3.9728%1,396
Noninterest income to average assets0.3164%3,568
Noninterest expense to average assets2.4877%2,994
Loan and lease loss provision to assets0.1964%2,077
Net operating income to assets1.4094%1,095
Return on assets (ROA)1.4094%1,185
Pretax return on assets1.4148%1,694
Return on Equity (ROE)6.5435%3,312
Retained earnings to average equity (ytd only)3.1662%3,317
Net charge-offs to loans-0.0446%4,657
Credit loss provision to net charge-offs-635.2941%3,656
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.6921%3,320
Assets per employee ($millions)5.0580%3,102
Cash dividends to net income (ytd only)*51.6129%1,503
Condition Ratios (%)
Loss allowance to loans3.4982%91
Loan loss allowance to noncurrent loans7,378.3784%96
Noncurrent assets plus other real estate owned to assets0.0318%4,389
Noncurrent loans to loans0.0474%4,295
Net loans and leases to total assets64.7363%2,787
Net loans and leases to deposits82.2783%2,176
Net loans and leases to core deposits84.0159%2,601
Total domestic deposits to total assets78.6797%4,080
Equity capital to assets20.5209%191
Core capital (leverage) ratio20.9593%175
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$109,979,3333,868
Average earning assets$104,713,0003,829
Average equity$23,687,6672,877
Average total loans$76,154,3333,644
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6320%1,903
Cost of funding earning assets0.5756%3,563
Net interest margin4.0565%1,231
Noninterest income to average assets0.3595%3,370
Noninterest expense to average assets2.6704%2,782
Loan and lease loss provision to assets0.1348%2,041
Net operating income to assets1.3970%989
Return on assets (ROA)1.3970%1,068
Pretax return on assets1.4082%1,537
Return on Equity (ROE)6.3234%3,197
Retained earnings to average equity (ytd only)2.9328%3,112
Net charge-offs to loans-0.0745%4,749
Credit loss provision to net charge-offs-257.1429%3,283
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3778%3,315
Assets per employee ($millions)4.5772%3,160
Cash dividends to net income (ytd only)*53.6193%1,538
Condition Ratios (%)
Loss allowance to loans3.5243%98
Loan loss allowance to noncurrent loans6,984.2105%97
Noncurrent assets plus other real estate owned to assets0.0361%4,436
Noncurrent loans to loans0.0505%4,348
Net loans and leases to total assets69.0100%2,394
Net loans and leases to deposits90.0160%1,510
Net loans and leases to core deposits92.1756%2,133
Total domestic deposits to total assets76.6642%4,402
Equity capital to assets22.5275%163
Core capital (leverage) ratio21.8197%177
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$106,801,5003,889
Average earning assets$101,467,5003,858
Average equity$23,595,0002,881
Average total loans$75,211,0003,656
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5877%2,661
Cost of funding earning assets0.5774%3,730
Net interest margin4.0103%1,822
Noninterest income to average assets0.3333%3,713
Noninterest expense to average assets2.5893%3,210
Loan and lease loss provision to assets0.1232%1,721
Net operating income to assets1.4826%1,095
Return on assets (ROA)1.8811%466
Pretax return on assets1.8376%862
Return on Equity (ROE)8.8508%2,823
Retained earnings to average equity (ytd only)2.2457%3,890
Net charge-offs to loans-0.0176%4,598
Credit loss provision to net charge-offs-1,046.1538%4,528
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.3691%3,312
Assets per employee ($millions)4.5136%3,199
Cash dividends to net income (ytd only)*74.6269%973
Condition Ratios (%)
Loss allowance to loans3.4679%89
Loan loss allowance to noncurrent loans6,202.3810%123
Noncurrent assets plus other real estate owned to assets0.0388%4,443
Noncurrent loans to loans0.0559%4,318
Net loans and leases to total assets66.9381%2,842
Net loans and leases to deposits90.0233%1,587
Net loans and leases to core deposits96.8518%1,825
Total domestic deposits to total assets74.3563%4,751
Equity capital to assets21.6696%191
Core capital (leverage) ratio21.0787%196
Tier 1 risk-based capital ratio27.7942%574
Total risk-based capital ratio29.0678%561
Memoranda:
Average total assets$110,416,2003,825
Average earning assets$105,128,4003,790
Average equity$23,466,8002,839
Average total loans$73,895,8003,705
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5696%2,834
Cost of funding earning assets0.5792%3,778
Net interest margin3.9904%1,971
Noninterest income to average assets0.3341%3,739
Noninterest expense to average assets2.6068%3,152
Loan and lease loss provision to assets0.1202%1,628
Net operating income to assets1.4025%1,463
Return on assets (ROA)1.4025%1,519
Pretax return on assets1.4073%2,283
Return on Equity (ROE)6.6310%3,828
Retained earnings to average equity (ytd only)2.6535%4,028
Net charge-offs to loans-0.0181%4,561
Credit loss provision to net charge-offs-1,000.0000%4,420
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.0523%3,151
Assets per employee ($millions)4.5864%3,068
Cash dividends to net income (ytd only)*59.9829%1,282
Condition Ratios (%)
Loss allowance to loans3.4922%90
Loan loss allowance to noncurrent loans176.4099%2,310
Noncurrent assets plus other real estate owned to assets1.3209%904
Noncurrent loans to loans1.9796%683
Net loans and leases to total assets64.3967%3,247
Net loans and leases to deposits86.9508%2,070
Net loans and leases to core deposits93.4578%2,228
Total domestic deposits to total assets74.0611%4,813
Equity capital to assets21.7499%190
Core capital (leverage) ratio21.2230%193
Tier 1 risk-based capital ratio25.8901%713
Total risk-based capital ratio27.4039%687
Memoranda:
Average total assets$110,938,5003,861
Average earning assets$105,652,0003,826
Average equity$23,465,0002,853
Average total loans$73,590,5003,749
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5459%2,862
Cost of funding earning assets0.5890%3,710
Net interest margin3.9569%2,072
Noninterest income to average assets0.3327%3,711
Noninterest expense to average assets2.5821%3,238
Loan and lease loss provision to assets0.1151%1,627
Net operating income to assets1.3971%1,449
Return on assets (ROA)1.3971%1,505
Pretax return on assets1.4043%2,196
Return on Equity (ROE)6.6677%3,808
Retained earnings to average equity (ytd only)2.8061%3,808
Net charge-offs to loans-0.0163%4,483
Credit loss provision to net charge-offs-1,066.6667%4,268
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.9548%3,292
Assets per employee ($millions)4.7597%2,794
Cash dividends to net income (ytd only)*57.9151%1,473
Condition Ratios (%)
Loss allowance to loans3.4546%88
Loan loss allowance to noncurrent loans738.3041%734
Noncurrent assets plus other real estate owned to assets0.2994%3,347
Noncurrent loans to loans0.4679%2,877
Net loans and leases to total assets61.7743%3,571
Net loans and leases to deposits85.1496%2,354
Net loans and leases to core deposits97.0646%1,971
Total domestic deposits to total assets72.5480%4,939
Equity capital to assets20.8085%218
Core capital (leverage) ratio20.9825%197
Tier 1 risk-based capital ratio25.2792%731
Total risk-based capital ratio26.7718%703
Memoranda:
Average total assets$111,226,6703,881
Average earning assets$105,941,3303,841
Average equity$23,306,3302,854
Average total loans$73,637,6703,772
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5644%2,650
Cost of funding earning assets0.5706%3,728
Net interest margin3.9939%1,867
Noninterest income to average assets0.3646%3,416
Noninterest expense to average assets2.9857%2,033
Loan and lease loss provision to assets0.1094%1,630
Net operating income to assets1.0572%2,637
Return on assets (ROA)1.0572%2,679
Pretax return on assets1.0718%3,233
Return on Equity (ROE)5.0272%4,317
Retained earnings to average equity (ytd only)1.5602%4,182
Net charge-offs to loans-0.0108%4,256
Credit loss provision to net charge-offs-1,500.0000%3,999
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6535%2,085
Assets per employee ($millions)4.6237%3,011
Cash dividends to net income (ytd only)*68.9655%1,139
Condition Ratios (%)
Loss allowance to loans3.3729%94
Loan loss allowance to noncurrent loans727.4854%789
Noncurrent assets plus other real estate owned to assets0.3082%3,377
Noncurrent loans to loans0.4636%2,923
Net loans and leases to total assets64.2311%3,257
Net loans and leases to deposits86.1591%2,113
Net loans and leases to core deposits94.9638%2,032
Total domestic deposits to total assets74.5494%4,888
Equity capital to assets20.9565%198
Core capital (leverage) ratio20.8701%204
Tier 1 risk-based capital ratio27.1215%609
Total risk-based capital ratio28.5579%589
Memoranda:
Average total assets$109,724,0003,942
Average earning assets$104,460,5003,908
Average equity$23,074,5002,877
Average total loans$73,911,0003,804
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2606%3,242
Cost of funding earning assets0.4491%3,691
Net interest margin3.8115%2,628
Noninterest income to average assets0.3715%3,609
Noninterest expense to average assets2.4438%3,760
Loan and lease loss provision to assets0.0990%2,205
Net operating income to assets1.4211%1,362
Return on assets (ROA)1.5208%1,049
Pretax return on assets1.5642%1,577
Return on Equity (ROE)7.0191%3,811
Retained earnings to average equity (ytd only)0.9269%4,722
Net charge-offs to loans0.2320%842
Credit loss provision to net charge-offs67.7419%3,021
Earnings coverage of net charge-offs (x)10.6774%2,698
Efficiency ratio61.0313%3,684
Assets per employee ($millions)4.5200%3,139
Cash dividends to net income (ytd only)*86.7948%513
Condition Ratios (%)
Loss allowance to loans3.3150%95
Loan loss allowance to noncurrent loans1,006.1475%611
Noncurrent assets plus other real estate owned to assets0.2563%3,562
Noncurrent loans to loans0.3295%3,370
Net loans and leases to total assets66.0057%3,135
Net loans and leases to deposits88.7087%1,963
Net loans and leases to core deposits98.9703%1,792
Total domestic deposits to total assets74.4073%4,917
Equity capital to assets21.1044%190
Core capital (leverage) ratio21.4721%179
Tier 1 risk-based capital ratio28.8863%517
Total risk-based capital ratio30.3035%500
Memoranda:
Average total assets$106,062,8004,001
Average earning assets$101,090,0003,960
Average equity$22,980,2002,821
Average total loans$66,807,8003,941
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1615%3,429
Cost of funding earning assets0.4005%3,855
Net interest margin3.7610%2,787
Noninterest income to average assets0.3793%3,604
Noninterest expense to average assets2.5400%3,478
Loan and lease loss provision to assets0.0948%2,078
Net operating income to assets1.2924%1,891
Return on assets (ROA)1.4261%1,396
Pretax return on assets1.4678%2,005
Return on Equity (ROE)6.5385%4,096
Retained earnings to average equity (ytd only)2.4809%4,410
Net charge-offs to loans0.3262%512
Credit loss provision to net charge-offs47.1698%2,856
Earnings coverage of net charge-offs (x)7.0882%2,832
Efficiency ratio64.0625%3,176
Assets per employee ($millions)4.4428%3,212
Cash dividends to net income (ytd only)*62.0568%1,125
Condition Ratios (%)
Loss allowance to loans3.3351%101
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0319%4,821
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets65.8104%3,200
Net loans and leases to deposits92.8581%1,516
Net loans and leases to core deposits96.5187%2,065
Total domestic deposits to total assets70.8720%5,186
Equity capital to assets21.4685%179
Core capital (leverage) ratio21.6148%174
Tier 1 risk-based capital ratio29.2523%510
Total risk-based capital ratio30.6354%495
Memoranda:
Average total assets$105,458,5004,044
Average earning assets$100,538,7504,006
Average equity$23,001,7502,828
Average total loans$64,995,2504,019
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0544%3,596
Cost of funding earning assets0.3611%4,004
Net interest margin3.6932%2,955
Noninterest income to average assets0.3807%3,618
Noninterest expense to average assets2.5260%3,566
Loan and lease loss provision to assets0.0857%2,198
Net operating income to assets1.2571%1,954
Return on assets (ROA)1.4657%1,244
Pretax return on assets1.5076%1,792
Return on Equity (ROE)6.6844%4,000
Retained earnings to average equity (ytd only)2.7779%4,142
Net charge-offs to loans-0.0224%4,614
Credit loss provision to net charge-offs-642.8571%4,417
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.7001%3,214
Assets per employee ($millions)4.2243%3,540
Cash dividends to net income (ytd only)*58.4416%1,378
Condition Ratios (%)
Loss allowance to loans4.1287%54
Loan loss allowance to noncurrent loans14,205.5556%65
Noncurrent assets plus other real estate owned to assets0.0513%4,770
Noncurrent loans to loans0.0291%4,791
Net loans and leases to total assets58.5666%3,943
Net loans and leases to deposits75.9488%3,341
Net loans and leases to core deposits82.2211%3,225
Total domestic deposits to total assets77.1133%4,723
Equity capital to assets22.6283%151
Core capital (leverage) ratio22.0826%162
Tier 1 risk-based capital ratio32.5443%390
Total risk-based capital ratio33.9715%380
Memoranda:
Average total assets$105,069,3304,090
Average earning assets$100,237,3304,045
Average equity$23,038,6702,841
Average total loans$62,463,0004,107
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9668%3,731
Cost of funding earning assets0.3645%3,878
Net interest margin3.6023%3,170
Noninterest income to average assets0.4003%3,469
Noninterest expense to average assets2.6414%3,215
Loan and lease loss provision to assets0.0786%2,203
Net operating income to assets1.0902%2,471
Return on assets (ROA)1.5003%1,080
Pretax return on assets1.5414%1,561
Return on Equity (ROE)6.9475%3,805
Retained earnings to average equity (ytd only)3.4824%3,810
Net charge-offs to loans-0.0191%4,536
Credit loss provision to net charge-offs-700.0000%4,084
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8109%2,698
Assets per employee ($millions)4.3897%3,335
Cash dividends to net income (ytd only)*49.8753%1,521
Condition Ratios (%)
Loss allowance to loans4.1492%58
Loan loss allowance to noncurrent loans14,876.4706%62
Noncurrent assets plus other real estate owned to assets0.0161%5,041
Noncurrent loans to loans0.0279%4,855
Net loans and leases to total assets55.4541%4,160
Net loans and leases to deposits71.0350%3,694
Net loans and leases to core deposits76.8751%3,590
Total domestic deposits to total assets78.0659%4,722
Equity capital to assets21.7718%163
Core capital (leverage) ratio21.5728%165
Tier 1 risk-based capital ratio31.1774%432
Total risk-based capital ratio32.5863%420
Memoranda:
Average total assets$106,913,0004,106
Average earning assets$102,046,0004,058
Average equity$23,087,5002,856
Average total loans$62,728,0004,136
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6805%4,383
Cost of funding earning assets0.4632%2,661
Net interest margin3.2173%4,406
Noninterest income to average assets0.3519%3,953
Noninterest expense to average assets2.2103%4,506
Loan and lease loss provision to assets0.0548%3,131
Net operating income to assets1.0978%1,861
Return on assets (ROA)1.0978%1,883
Pretax return on assets1.1600%2,944
Return on Equity (ROE)5.1522%4,102
Retained earnings to average equity (ytd only)0.4333%4,861
Net charge-offs to loans-0.0954%5,360
Credit loss provision to net charge-offs-107.1429%4,720
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5316%3,527
Assets per employee ($millions)4.5198%3,151
Cash dividends to net income (ytd only)*91.5903%504
Condition Ratios (%)
Loss allowance to loans3.8850%65
Loan loss allowance to noncurrent loans3,740.2985%220
Noncurrent assets plus other real estate owned to assets0.0618%4,811
Noncurrent loans to loans0.1039%4,522
Net loans and leases to total assets57.1556%4,093
Net loans and leases to deposits75.5054%3,377
Net loans and leases to core deposits81.3123%3,308
Total domestic deposits to total assets75.6974%5,013
Equity capital to assets21.4226%167
Core capital (leverage) ratio20.8172%176
Tier 1 risk-based capital ratio30.2313%452
Total risk-based capital ratio31.8635%435
Memoranda:
Average total assets$109,397,6004,069
Average earning assets$104,498,0004,013
Average equity$23,310,6002,821
Average total loans$58,680,0004,234
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5915%4,584
Cost of funding earning assets0.4672%2,545
Net interest margin3.1242%4,643
Noninterest income to average assets0.3551%3,994
Noninterest expense to average assets2.2646%4,387
Loan and lease loss provision to assets0.0547%2,994
Net operating income to assets0.9462%2,801
Return on assets (ROA)0.9462%2,862
Pretax return on assets1.0204%3,605
Return on Equity (ROE)4.4465%4,728
Retained earnings to average equity (ytd only)1.0173%4,969
Net charge-offs to loans-0.0350%5,046
Credit loss provision to net charge-offs-300.0000%4,699
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.8077%2,910
Assets per employee ($millions)4.7835%2,720
Cash dividends to net income (ytd only)*77.1206%731
Condition Ratios (%)
Loss allowance to loans4.0948%64
Loan loss allowance to noncurrent loans871.5302%663
Noncurrent assets plus other real estate owned to assets0.2554%4,034
Noncurrent loans to loans0.4698%3,289
Net loans and leases to total assets52.1346%4,555
Net loans and leases to deposits71.5547%3,821
Net loans and leases to core deposits72.9758%4,061
Total domestic deposits to total assets72.8597%5,324
Equity capital to assets21.3705%174
Core capital (leverage) ratio20.4412%199
Tier 1 risk-based capital ratio30.8458%445
Total risk-based capital ratio32.4383%437
Memoranda:
Average total assets$109,628,5004,108
Average earning assets$104,727,0004,054
Average equity$23,328,7502,850
Average total loans$57,223,7504,304
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5629%4,605
Cost of funding earning assets0.4609%2,498
Net interest margin3.1020%4,679
Noninterest income to average assets0.3507%4,047
Noninterest expense to average assets2.2466%4,467
Loan and lease loss provision to assets0.0548%2,877
Net operating income to assets0.9370%2,737
Return on assets (ROA)0.9370%2,793
Pretax return on assets1.0119%3,518
Return on Equity (ROE)4.4096%4,692
Retained earnings to average equity (ytd only)0.9713%4,849
Net charge-offs to loans-0.0426%5,102
Credit loss provision to net charge-offs-250.0000%4,509
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.8060%3,051
Assets per employee ($millions)4.5967%2,952
Cash dividends to net income (ytd only)*77.9727%899
Condition Ratios (%)
Loss allowance to loans4.5517%52
Loan loss allowance to noncurrent loans556.2929%943
Noncurrent assets plus other real estate owned to assets0.3961%3,529
Noncurrent loans to loans0.8182%2,356
Net loans and leases to total assets46.2088%4,944
Net loans and leases to deposits63.1839%4,417
Net loans and leases to core deposits64.7652%4,552
Total domestic deposits to total assets73.1339%5,377
Equity capital to assets21.1972%176
Core capital (leverage) ratio20.3084%194
Tier 1 risk-based capital ratio30.5515%444
Total risk-based capital ratio32.0910%435
Memoranda:
Average total assets$109,497,6704,137
Average earning assets$104,576,6704,083
Average equity$23,267,6702,852
Average total loans$56,362,3304,347
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5558%4,531
Cost of funding earning assets0.4536%2,498
Net interest margin3.1022%4,641
Noninterest income to average assets0.3227%4,240
Noninterest expense to average assets2.4018%4,105
Loan and lease loss provision to assets0.0550%2,706
Net operating income to assets0.7517%3,470
Return on assets (ROA)0.7517%3,522
Pretax return on assets0.8250%4,013
Return on Equity (ROE)3.5331%4,947
Retained earnings to average equity (ytd only)0.0862%4,893
Net charge-offs to loans-0.0277%4,893
Credit loss provision to net charge-offs-375.0000%4,177
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1844%2,375
Assets per employee ($millions)5.0797%2,334
Cash dividends to net income (ytd only)*97.5610%724
Condition Ratios (%)
Loss allowance to loans4.1913%72
Loan loss allowance to noncurrent loans543.5666%995
Noncurrent assets plus other real estate owned to assets0.3964%3,610
Noncurrent loans to loans0.7711%2,540
Net loans and leases to total assets49.2555%4,733
Net loans and leases to deposits66.7965%4,106
Net loans and leases to core deposits68.1385%4,289
Total domestic deposits to total assets73.7396%5,436
Equity capital to assets20.7518%183
Core capital (leverage) ratio20.8721%169
Tier 1 risk-based capital ratio35.0599%322
Total risk-based capital ratio36.6717%313
Memoranda:
Average total assets$109,086,0004,188
Average earning assets$104,056,0004,125
Average equity$23,209,0002,866
Average total loans$57,839,0004,354
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7885%3,947
Cost of funding earning assets0.4650%2,398
Net interest margin3.3235%4,071
Noninterest income to average assets0.3909%3,958
Noninterest expense to average assets2.1885%4,802
Loan and lease loss provision to assets0.0561%3,258
Net operating income to assets1.2607%1,326
Return on assets (ROA)1.2607%1,406
Pretax return on assets1.3149%2,230
Return on Equity (ROE)5.6942%4,122
Retained earnings to average equity (ytd only)0.6252%5,079
Net charge-offs to loans-0.0168%5,082
Credit loss provision to net charge-offs-600.0000%5,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4819%4,341
Assets per employee ($millions)4.6269%2,923
Cash dividends to net income (ytd only)*89.0208%614
Condition Ratios (%)
Loss allowance to loans4.1030%72
Loan loss allowance to noncurrent loans522.7571%1,023
Noncurrent assets plus other real estate owned to assets0.4576%3,428
Noncurrent loans to loans0.7849%2,555
Net loans and leases to total assets52.4686%4,568
Net loans and leases to deposits72.4512%3,663
Net loans and leases to core deposits74.0069%3,922
Total domestic deposits to total assets72.4191%5,530
Equity capital to assets21.8262%155
Core capital (leverage) ratio21.2794%159
Tier 1 risk-based capital ratio35.2414%311
Total risk-based capital ratio36.8762%297
Memoranda:
Average total assets$106,924,4004,226
Average earning assets$101,940,8004,170
Average equity$23,673,2002,826
Average total loans$59,542,4004,315
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8373%3,810
Cost of funding earning assets0.4651%2,421
Net interest margin3.3721%3,951
Noninterest income to average assets0.3948%3,958
Noninterest expense to average assets2.1933%4,785
Loan and lease loss provision to assets0.0560%3,127
Net operating income to assets1.3065%1,274
Return on assets (ROA)1.3065%1,362
Pretax return on assets1.3601%2,195
Return on Equity (ROE)5.8804%4,132
Retained earnings to average equity (ytd only)2.2367%4,577
Net charge-offs to loans-0.0690%5,461
Credit loss provision to net charge-offs-145.1613%4,802
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.7660%4,431
Assets per employee ($millions)4.6507%2,841
Cash dividends to net income (ytd only)*61.9642%1,353
Condition Ratios (%)
Loss allowance to loans4.0070%76
Loan loss allowance to noncurrent loans2,603.2609%278
Noncurrent assets plus other real estate owned to assets0.0860%5,099
Noncurrent loans to loans0.1539%4,735
Net loans and leases to total assets53.6395%4,523
Net loans and leases to deposits74.8711%3,514
Net loans and leases to core deposits76.4850%3,789
Total domestic deposits to total assets71.6424%5,612
Equity capital to assets22.4483%150
Core capital (leverage) ratio21.1385%164
Tier 1 risk-based capital ratio35.6148%318
Total risk-based capital ratio37.1216%312
Memoranda:
Average total assets$107,051,0004,264
Average earning assets$102,049,5004,188
Average equity$23,784,7502,835
Average total loans$59,871,7504,330
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9333%3,487
Cost of funding earning assets0.4605%2,470
Net interest margin3.4727%3,600
Noninterest income to average assets0.4016%3,862
Noninterest expense to average assets2.1685%4,916
Loan and lease loss provision to assets0.0560%3,022
Net operating income to assets1.4326%1,002
Return on assets (ROA)1.4326%1,051
Pretax return on assets1.4867%1,718
Return on Equity (ROE)6.4701%3,817
Retained earnings to average equity (ytd only)3.0959%3,932
Net charge-offs to loans0.2003%1,147
Credit loss provision to net charge-offs50.0000%2,666
Earnings coverage of net charge-offs (x)13.7667%2,101
Efficiency ratio58.4298%4,841
Assets per employee ($millions)4.6599%2,783
Cash dividends to net income (ytd only)*52.1512%1,869
Condition Ratios (%)
Loss allowance to loans3.9783%82
Loan loss allowance to noncurrent loans4,161.8182%179
Noncurrent assets plus other real estate owned to assets0.0513%5,353
Noncurrent loans to loans0.0956%5,069
Net loans and leases to total assets51.5484%4,712
Net loans and leases to deposits71.8926%3,793
Net loans and leases to core deposits73.4349%4,039
Total domestic deposits to total assets71.7020%5,683
Equity capital to assets22.4815%146
Core capital (leverage) ratio21.1735%155
Tier 1 risk-based capital ratio37.0663%285
Total risk-based capital ratio38.5811%277
Memoranda:
Average total assets$107,079,3304,286
Average earning assets$102,052,0004,221
Average equity$23,709,0002,858
Average total loans$59,905,3304,351
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8431%3,791
Cost of funding earning assets0.4588%2,479
Net interest margin3.3843%3,922
Noninterest income to average assets0.4111%3,742
Noninterest expense to average assets2.0704%5,175
Loan and lease loss provision to assets0.0561%2,823
Net operating income to assets1.4538%933
Return on assets (ROA)1.4538%977
Pretax return on assets1.5098%1,552
Return on Equity (ROE)6.6168%3,659
Retained earnings to average equity (ytd only)3.2148%3,893
Net charge-offs to loans-0.0524%5,351
Credit loss provision to net charge-offs-187.5000%4,337
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.9373%5,099
Assets per employee ($millions)4.6653%2,795
Cash dividends to net income (ytd only)*51.4139%1,699
Condition Ratios (%)
Loss allowance to loans3.8358%102
Loan loss allowance to noncurrent loans6,329.7297%117
Noncurrent assets plus other real estate owned to assets0.0345%5,502
Noncurrent loans to loans0.0606%5,238
Net loans and leases to total assets54.7189%4,381
Net loans and leases to deposits75.8171%3,240
Net loans and leases to core deposits77.4277%3,556
Total domestic deposits to total assets72.1723%5,759
Equity capital to assets22.0963%152
Core capital (leverage) ratio21.2226%159
Tier 1 risk-based capital ratio34.1578%364
Total risk-based capital ratio35.6346%350
Memoranda:
Average total assets$107,030,5004,328
Average earning assets$102,000,5004,254
Average equity$23,516,0002,875
Average total loans$61,089,5004,340
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7824%4,098
Cost of funding earning assets0.4722%2,418
Net interest margin3.3102%4,254
Noninterest income to average assets0.4080%3,977
Noninterest expense to average assets2.1570%5,138
Loan and lease loss provision to assets-0.1341%5,903
Net operating income to assets1.4850%891
Return on assets (ROA)1.4988%901
Pretax return on assets1.5530%1,391
Return on Equity (ROE)6.6920%3,687
Retained earnings to average equity (ytd only)0.5350%5,306
Net charge-offs to loans-0.3515%6,037
Credit loss provision to net charge-offs68.1159%3,154
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.5607%4,828
Assets per employee ($millions)4.6417%2,824
Cash dividends to net income (ytd only)*92.0051%560
Condition Ratios (%)
Loss allowance to loans3.7941%99
Loan loss allowance to noncurrent loans773.0000%746
Noncurrent assets plus other real estate owned to assets0.2810%4,463
Noncurrent loans to loans0.4908%3,729
Net loans and leases to total assets55.0806%4,380
Net loans and leases to deposits76.0554%3,247
Net loans and leases to core deposits77.6718%3,584
Total domestic deposits to total assets72.4217%5,770
Equity capital to assets21.8457%151
Core capital (leverage) ratio20.7379%168
Tier 1 risk-based capital ratio33.7543%371
Total risk-based capital ratio35.2563%357
Memoranda:
Average total assets$105,148,4004,358
Average earning assets$100,175,0004,285
Average equity$23,550,4002,827
Average total loans$58,893,2004,408
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7158%4,372
Cost of funding earning assets0.4718%2,481
Net interest margin3.2440%4,544
Noninterest income to average assets0.4239%3,911
Noninterest expense to average assets2.1232%5,232
Loan and lease loss provision to assets0.0547%3,099
Net operating income to assets1.2764%1,404
Return on assets (ROA)1.3009%1,394
Pretax return on assets1.3607%2,176
Return on Equity (ROE)5.7720%4,265
Retained earnings to average equity (ytd only)1.8186%4,968
Net charge-offs to loans0.0160%3,633
Credit loss provision to net charge-offs614.2857%555
Earnings coverage of net charge-offs (x)156.0514%448
Efficiency ratio60.4348%4,826
Assets per employee ($millions)4.6426%2,779
Cash dividends to net income (ytd only)*68.4933%1,089
Condition Ratios (%)
Loss allowance to loans3.7611%113
Loan loss allowance to noncurrent loans7,630.0000%112
Noncurrent assets plus other real estate owned to assets0.0281%5,675
Noncurrent loans to loans0.0493%5,418
Net loans and leases to total assets54.8525%4,479
Net loans and leases to deposits76.3508%3,264
Net loans and leases to core deposits78.2522%3,586
Total domestic deposits to total assets71.8428%5,868
Equity capital to assets22.2403%147
Core capital (leverage) ratio21.3603%158
Tier 1 risk-based capital ratio34.8019%347
Total risk-based capital ratio36.3185%348
Memoranda:
Average total assets$104,746,0004,407
Average earning assets$99,750,7504,340
Average equity$23,607,5002,843
Average total loans$58,336,0004,463
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6502%4,575
Cost of funding earning assets0.4744%2,478
Net interest margin3.1758%4,730
Noninterest income to average assets0.4247%3,888
Noninterest expense to average assets2.1178%5,300
Loan and lease loss provision to assets0.0557%2,992
Net operating income to assets1.2161%1,552
Return on assets (ROA)1.2453%1,538
Pretax return on assets1.3049%2,344
Return on Equity (ROE)5.5007%4,369
Retained earnings to average equity (ytd only)2.1052%4,657
Net charge-offs to loans-0.5983%6,219
Credit loss provision to net charge-offs-16.8605%4,717
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4270%4,766
Assets per employee ($millions)4.5290%2,937
Cash dividends to net income (ytd only)*61.7284%1,474
Condition Ratios (%)
Loss allowance to loans4.3025%83
Loan loss allowance to noncurrent loans1,130.8756%511
Noncurrent assets plus other real estate owned to assets0.2832%4,743
Noncurrent loans to loans0.3805%4,344
Net loans and leases to total assets52.3986%4,718
Net loans and leases to deposits73.3245%3,574
Net loans and leases to core deposits75.6287%3,805
Total domestic deposits to total assets71.4612%5,959
Equity capital to assets22.5542%137
Core capital (leverage) ratio21.1818%161
Tier 1 risk-based capital ratio36.1970%330
Total risk-based capital ratio37.7360%322
Memoranda:
Average total assets$104,068,3304,467
Average earning assets$99,063,0004,396
Average equity$23,560,6702,856
Average total loans$57,494,6704,524
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6118%4,653
Cost of funding earning assets0.4727%2,536
Net interest margin3.1391%4,820
Noninterest income to average assets0.4461%3,660
Noninterest expense to average assets2.0727%5,442
Loan and lease loss provision to assets0.0538%2,864
Net operating income to assets1.2484%1,411
Return on assets (ROA)1.3075%1,340
Pretax return on assets1.3690%2,000
Return on Equity (ROE)5.7642%4,153
Retained earnings to average equity (ytd only)2.3735%4,504
Net charge-offs to loans-0.1455%5,972
Credit loss provision to net charge-offs-66.6667%4,428
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.3583%5,046
Assets per employee ($millions)4.8029%2,621
Cash dividends to net income (ytd only)*58.8235%1,464
Condition Ratios (%)
Loss allowance to loans3.9288%138
Loan loss allowance to noncurrent loans2,007.0175%306
Noncurrent assets plus other real estate owned to assets0.1827%5,219
Noncurrent loans to loans0.1958%5,076
Net loans and leases to total assets52.9495%4,557
Net loans and leases to deposits73.8139%3,333
Net loans and leases to core deposits76.0866%3,587
Total domestic deposits to total assets71.7337%6,047
Equity capital to assets22.4468%143
Core capital (leverage) ratio21.4583%150
Tier 1 risk-based capital ratio35.0331%359
Total risk-based capital ratio36.5801%350
Memoranda:
Average total assets$104,019,0004,500
Average earning assets$99,008,0004,431
Average equity$23,594,0002,874
Average total loans$57,724,0004,554
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6916%4,796
Cost of funding earning assets0.4851%2,831
Net interest margin3.2065%4,893
Noninterest income to average assets0.4268%3,993
Noninterest expense to average assets2.1703%5,408
Loan and lease loss provision to assets0.0587%3,362
Net operating income to assets1.1874%1,624
Return on assets (ROA)1.1874%1,696
Pretax return on assets1.2521%2,434
Return on Equity (ROE)5.1041%4,609
Retained earnings to average equity (ytd only)0.2651%5,660
Net charge-offs to loans0.0254%4,320
Credit loss provision to net charge-offs400.0000%647
Earnings coverage of net charge-offs (x)89.2667%574
Efficiency ratio62.3453%4,858
Assets per employee ($millions)4.6534%2,791
Cash dividends to net income (ytd only)*94.8063%463
Condition Ratios (%)
Loss allowance to loans3.9380%139
Loan loss allowance to noncurrent loans1,564.5833%419
Noncurrent assets plus other real estate owned to assets0.1407%5,470
Noncurrent loans to loans0.2517%4,930
Net loans and leases to total assets53.6840%4,614
Net loans and leases to deposits75.5066%3,254
Net loans and leases to core deposits78.5005%3,465
Total domestic deposits to total assets71.0984%6,137
Equity capital to assets22.9255%132
Core capital (leverage) ratio21.5237%153
Tier 1 risk-based capital ratio36.6421%297
Total risk-based capital ratio37.9232%288
Memoranda:
Average total assets$102,152,4004,541
Average earning assets$97,302,8004,470
Average equity$23,765,0002,775
Average total loans$59,139,0004,515
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5994%5,140
Cost of funding earning assets0.4838%2,915
Net interest margin3.1156%5,210
Noninterest income to average assets0.4283%4,035
Noninterest expense to average assets2.1678%5,413
Loan and lease loss provision to assets0.0588%3,193
Net operating income to assets1.1061%1,999
Return on assets (ROA)1.1061%2,065
Pretax return on assets1.1701%2,908
Return on Equity (ROE)4.7373%4,842
Retained earnings to average equity (ytd only)1.6611%5,218
Net charge-offs to loans-0.4428%6,443
Credit loss provision to net charge-offs-22.7273%5,286
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8216%4,580
Assets per employee ($millions)4.6330%2,760
Cash dividends to net income (ytd only)*64.9352%1,194
Condition Ratios (%)
Loss allowance to loans4.2174%137
Loan loss allowance to noncurrent loans1,634.0000%371
Noncurrent assets plus other real estate owned to assets0.1472%5,601
Noncurrent loans to loans0.2581%5,133
Net loans and leases to total assets54.6137%4,504
Net loans and leases to deposits77.6826%2,984
Net loans and leases to core deposits80.8274%3,212
Total domestic deposits to total assets70.3037%6,270
Equity capital to assets23.5369%121
Core capital (leverage) ratio21.8095%145
Tier 1 risk-based capital ratio36.9410%300
Total risk-based capital ratio38.2256%296
Memoranda:
Average total assets$102,096,7504,598
Average earning assets$97,273,0004,517
Average equity$23,838,7502,777
Average total loans$59,620,7504,538
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6342%5,055
Cost of funding earning assets0.4848%2,979
Net interest margin3.1494%5,093
Noninterest income to average assets0.4209%4,088
Noninterest expense to average assets2.1614%5,501
Loan and lease loss provision to assets0.0587%3,103
Net operating income to assets1.1375%1,795
Return on assets (ROA)1.1375%1,881
Pretax return on assets1.2021%2,660
Return on Equity (ROE)4.8847%4,729
Retained earnings to average equity (ytd only)1.9421%4,910
Net charge-offs to loans-0.6287%6,533
Credit loss provision to net charge-offs-15.8730%5,094
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1579%4,829
Assets per employee ($millions)4.6983%2,612
Cash dividends to net income (ytd only)*60.2410%1,513
Condition Ratios (%)
Loss allowance to loans4.2039%153
Loan loss allowance to noncurrent loans121,350.0000%4
Noncurrent assets plus other real estate owned to assets0.0019%6,273
Noncurrent loans to loans0.0035%6,102
Net loans and leases to total assets53.5061%4,596
Net loans and leases to deposits75.6618%3,103
Net loans and leases to core deposits78.6566%3,358
Total domestic deposits to total assets70.7175%6,324
Equity capital to assets23.2823%120
Core capital (leverage) ratio21.6131%141
Tier 1 risk-based capital ratio38.4443%272
Total risk-based capital ratio39.7301%271
Memoranda:
Average total assets$102,154,0004,630
Average earning assets$97,353,0004,545
Average equity$23,788,3302,766
Average total loans$60,122,3304,546
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7160%4,791
Cost of funding earning assets0.4919%2,994
Net interest margin3.2241%4,844
Noninterest income to average assets0.4293%3,951
Noninterest expense to average assets2.2334%5,373
Loan and lease loss provision to assets0.0591%2,925
Net operating income to assets1.1423%1,656
Return on assets (ROA)1.1423%1,723
Pretax return on assets1.2093%2,451
Return on Equity (ROE)4.9049%4,593
Retained earnings to average equity (ytd only)2.3679%4,651
Net charge-offs to loans-1.1677%6,639
Credit loss provision to net charge-offs-8.3799%4,661
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.7795%4,892
Assets per employee ($millions)4.6623%2,715
Cash dividends to net income (ytd only)*51.7241%1,633
Condition Ratios (%)
Loss allowance to loans3.9619%197
Loan loss allowance to noncurrent loans80,066.6667%12
Noncurrent assets plus other real estate owned to assets0.0029%6,336
Noncurrent loans to loans0.0049%6,175
Net loans and leases to total assets56.7671%4,037
Net loans and leases to deposits80.2177%2,264
Net loans and leases to core deposits83.4100%2,582
Total domestic deposits to total assets70.7663%6,413
Equity capital to assets23.2602%121
Core capital (leverage) ratio21.9291%136
Tier 1 risk-based capital ratio35.8578%322
Total risk-based capital ratio37.1409%314
Memoranda:
Average total assets$101,550,0004,695
Average earning assets$96,770,5004,603
Average equity$23,650,0002,783
Average total loans$61,317,5004,539
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6013%5,403
Cost of funding earning assets0.5248%3,352
Net interest margin3.0765%5,387
Noninterest income to average assets0.4402%4,159
Noninterest expense to average assets2.1172%5,792
Loan and lease loss provision to assets0.1974%1,878
Net operating income to assets1.0097%2,284
Return on assets (ROA)1.0097%2,347
Pretax return on assets1.0591%3,115
Return on Equity (ROE)4.3266%4,965
Retained earnings to average equity (ytd only)0.5202%5,605
Net charge-offs to loans0.2133%2,753
Credit loss provision to net charge-offs157.4803%1,462
Earnings coverage of net charge-offs (x)10.0236%2,432
Efficiency ratio62.7560%5,095
Assets per employee ($millions)4.3709%3,134
Cash dividends to net income (ytd only)*87.9765%696
Condition Ratios (%)
Loss allowance to loans3.5609%273
Loan loss allowance to noncurrent loans7,613.7931%102
Noncurrent assets plus other real estate owned to assets0.0288%6,298
Noncurrent loans to loans0.0468%6,093
Net loans and leases to total assets59.4837%3,798
Net loans and leases to deposits84.2311%1,904
Net loans and leases to core deposits88.3203%2,208
Total domestic deposits to total assets70.6197%6,496
Equity capital to assets23.3184%120
Core capital (leverage) ratio21.6791%142
Tier 1 risk-based capital ratio35.1052%326
Total risk-based capital ratio36.3837%317
Memoranda:
Average total assets$101,314,6004,710
Average earning assets$96,603,4004,603
Average equity$23,644,4002,757
Average total loans$59,551,6004,627
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5590%5,552
Cost of funding earning assets0.5289%3,474
Net interest margin3.0301%5,519
Noninterest income to average assets0.4466%4,181
Noninterest expense to average assets2.1764%5,661
Loan and lease loss provision to assets0.2364%1,523
Net operating income to assets0.8761%2,961
Return on assets (ROA)0.8761%3,075
Pretax return on assets0.9234%3,785
Return on Equity (ROE)3.7532%5,331
Retained earnings to average equity (ytd only)1.2211%5,492
Net charge-offs to loans-0.1063%6,511
Credit loss provision to net charge-offs-382.9787%6,005
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2362%4,614
Assets per employee ($millions)4.4427%2,976
Cash dividends to net income (ytd only)*67.4669%1,169
Condition Ratios (%)
Loss allowance to loans3.9728%243
Loan loss allowance to noncurrent loans78,766.6667%6
Noncurrent assets plus other real estate owned to assets0.0176%6,445
Noncurrent loans to loans0.0050%6,371
Net loans and leases to total assets55.8968%4,335
Net loans and leases to deposits79.1467%2,519
Net loans and leases to core deposits83.5716%2,695
Total domestic deposits to total assets70.6243%6,571
Equity capital to assets23.1330%117
Core capital (leverage) ratio21.7570%140
Tier 1 risk-based capital ratio36.9406%285
Total risk-based capital ratio38.2287%283
Memoranda:
Average total assets$101,510,7504,749
Average earning assets$96,803,7504,646
Average equity$23,695,0002,787
Average total loans$58,937,7504,684
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5752%5,510
Cost of funding earning assets0.5338%3,562
Net interest margin3.0414%5,460
Noninterest income to average assets0.4482%4,172
Noninterest expense to average assets2.2471%5,508
Loan and lease loss provision to assets0.2370%1,567
Net operating income to assets0.8195%3,200
Return on assets (ROA)0.8195%3,356
Pretax return on assets0.8668%4,034
Return on Equity (ROE)3.5000%5,424
Retained earnings to average equity (ytd only)0.9699%5,513
Net charge-offs to loans-0.2587%6,725
Credit loss provision to net charge-offs-157.8947%5,682
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0595%4,346
Assets per employee ($millions)4.4825%2,837
Cash dividends to net income (ytd only)*72.2892%1,125
Condition Ratios (%)
Loss allowance to loans3.9440%268
Loan loss allowance to noncurrent loans3,427.9412%189
Noncurrent assets plus other real estate owned to assets0.0660%6,303
Noncurrent loans to loans0.1151%6,046
Net loans and leases to total assets55.0656%4,440
Net loans and leases to deposits77.4618%2,646
Net loans and leases to core deposits81.4096%2,867
Total domestic deposits to total assets71.0874%6,613
Equity capital to assets22.8309%120
Core capital (leverage) ratio21.4404%136
Tier 1 risk-based capital ratio37.0944%287
Total risk-based capital ratio38.3820%280
Memoranda:
Average total assets$101,286,6704,783
Average earning assets$96,665,6704,683
Average equity$23,714,0002,797
Average total loans$58,757,0004,713
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6649%5,269
Cost of funding earning assets0.5552%3,517
Net interest margin3.1097%5,225
Noninterest income to average assets0.4583%4,064
Noninterest expense to average assets2.3988%5,125
Loan and lease loss provision to assets0.2391%1,520
Net operating income to assets0.7412%3,468
Return on assets (ROA)0.7412%3,604
Pretax return on assets0.7890%4,214
Return on Equity (ROE)3.1258%5,530
Retained earnings to average equity (ytd only)0.6050%5,587
Net charge-offs to loans-0.1843%6,661
Credit loss provision to net charge-offs-222.2222%5,281
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.0000%3,972
Assets per employee ($millions)4.4475%3,066
Cash dividends to net income (ytd only)*80.6452%889
Condition Ratios (%)
Loss allowance to loans3.9229%305
Loan loss allowance to noncurrent loans2,137.5000%244
Noncurrent assets plus other real estate owned to assets0.1017%6,279
Noncurrent loans to loans0.1835%5,946
Net loans and leases to total assets53.2241%4,527
Net loans and leases to deposits75.3467%2,728
Net loans and leases to core deposits78.9650%2,936
Total domestic deposits to total assets70.6390%6,729
Equity capital to assets23.2794%116
Core capital (leverage) ratio21.9763%134
Tier 1 risk-based capital ratio38.2425%264
Total risk-based capital ratio39.5279%257
Memoranda:
Average total assets$100,381,5004,855
Average earning assets$95,829,0004,742
Average equity$23,802,0002,822
Average total loans$58,584,5004,756
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2377%4,443
Cost of funding earning assets0.6261%4,132
Net interest margin3.6115%4,038
Noninterest income to average assets0.4981%3,919
Noninterest expense to average assets2.1888%5,946
Loan and lease loss provision to assets0.3705%1,768
Net operating income to assets1.3676%1,160
Return on assets (ROA)1.3676%1,281
Pretax return on assets1.3697%2,148
Return on Equity (ROE)5.5720%4,386
Retained earnings to average equity (ytd only)0.1216%5,778
Net charge-offs to loans0.2621%3,369
Credit loss provision to net charge-offs215.5689%1,179
Earnings coverage of net charge-offs (x)10.1257%2,174
Efficiency ratio55.7098%6,088
Assets per employee ($millions)4.2813%3,397
Cash dividends to net income (ytd only)*97.8179%524
Condition Ratios (%)
Loss allowance to loans3.5288%415
Loan loss allowance to noncurrent loans3,007.0423%208
Noncurrent assets plus other real estate owned to assets0.1635%6,150
Noncurrent loans to loans0.1174%6,190
Net loans and leases to total assets59.2733%3,732
Net loans and leases to deposits85.1129%1,622
Net loans and leases to core deposits89.4198%1,906
Total domestic deposits to total assets69.6408%6,797
Equity capital to assets24.1604%107
Core capital (leverage) ratio22.5185%122
Tier 1 risk-based capital ratio35.9102%320
Total risk-based capital ratio37.1910%311
Memoranda:
Average total assets$97,175,6004,908
Average earning assets$92,315,0004,802
Average equity$23,851,2002,761
Average total loans$63,717,0004,575
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3400%4,293
Cost of funding earning assets0.6366%4,303
Net interest margin3.7035%3,785
Noninterest income to average assets0.4873%4,004
Noninterest expense to average assets2.2481%5,822
Loan and lease loss provision to assets0.3717%1,742
Net operating income to assets1.3821%1,262
Return on assets (ROA)1.3821%1,395
Pretax return on assets1.3835%2,289
Return on Equity (ROE)5.6089%4,529
Retained earnings to average equity (ytd only)1.6983%5,481
Net charge-offs to loans-0.0496%6,708
Credit loss provision to net charge-offs-1,125.0000%6,553
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.1554%6,040
Assets per employee ($millions)4.2120%3,445
Cash dividends to net income (ytd only)*69.7213%933
Condition Ratios (%)
Loss allowance to loans3.6216%419
Loan loss allowance to noncurrent loans2,032.7273%253
Noncurrent assets plus other real estate owned to assets0.2570%6,055
Noncurrent loans to loans0.1782%6,166
Net loans and leases to total assets61.4222%3,494
Net loans and leases to deposits89.5484%1,201
Net loans and leases to core deposits94.2444%1,564
Total domestic deposits to total assets68.5911%6,902
Equity capital to assets24.8656%110
Core capital (leverage) ratio23.0272%122
Tier 1 risk-based capital ratio30.9107%486
Total risk-based capital ratio32.1857%475
Memoranda:
Average total assets$96,851,7504,964
Average earning assets$91,948,0004,850
Average equity$23,866,2502,788
Average total loans$64,520,7504,605
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4086%4,152
Cost of funding earning assets0.6481%4,456
Net interest margin3.7605%3,538
Noninterest income to average assets0.5039%3,898
Noninterest expense to average assets2.2717%5,815
Loan and lease loss provision to assets0.4337%1,503
Net operating income to assets1.3672%1,267
Return on assets (ROA)1.3672%1,426
Pretax return on assets1.3692%2,325
Return on Equity (ROE)5.5649%4,547
Retained earnings to average equity (ytd only)2.2024%5,089
Net charge-offs to loans0.0122%5,283
Credit loss provision to net charge-offs5,250.0000%53
Earnings coverage of net charge-offs (x)218.2500%198
Efficiency ratio55.7527%6,143
Assets per employee ($millions)4.2163%3,426
Cash dividends to net income (ytd only)*60.4230%1,350
Condition Ratios (%)
Loss allowance to loans3.3949%541
Loan loss allowance to noncurrent loans2,237.5000%217
Noncurrent assets plus other real estate owned to assets0.2423%6,164
Noncurrent loans to loans0.1517%6,287
Net loans and leases to total assets63.0296%3,227
Net loans and leases to deposits91.6744%985
Net loans and leases to core deposits95.6287%1,464
Total domestic deposits to total assets68.7538%6,965
Equity capital to assets24.7868%103
Core capital (leverage) ratio22.6492%121
Tier 1 risk-based capital ratio30.1363%511
Total risk-based capital ratio31.4088%506
Memoranda:
Average total assets$96,843,3304,984
Average earning assets$91,956,3304,875
Average equity$23,792,0002,789
Average total loans$65,447,6704,586
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4994%3,915
Cost of funding earning assets0.6521%4,712
Net interest margin3.8473%3,146
Noninterest income to average assets0.5166%3,801
Noninterest expense to average assets2.3063%5,753
Loan and lease loss provision to assets0.4960%1,226
Net operating income to assets1.3722%1,273
Return on assets (ROA)1.3722%1,423
Pretax return on assets1.3722%2,276
Return on Equity (ROE)5.6106%4,494
Retained earnings to average equity (ytd only)2.2307%5,144
Net charge-offs to loans-0.0180%6,147
Credit loss provision to net charge-offs-4,000.0000%6,170
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.2475%6,200
Assets per employee ($millions)4.3090%3,377
Cash dividends to net income (ytd only)*60.2410%1,194
Condition Ratios (%)
Loss allowance to loans3.2385%657
Loan loss allowance to noncurrent loans603.8012%583
Noncurrent assets plus other real estate owned to assets0.5731%5,460
Noncurrent loans to loans0.5363%5,590
Net loans and leases to total assets62.2559%3,207
Net loans and leases to deposits89.3348%1,027
Net loans and leases to core deposits93.0520%1,541
Total domestic deposits to total assets69.6883%6,997
Equity capital to assets23.9862%110
Core capital (leverage) ratio22.5762%126
Tier 1 risk-based capital ratio30.0111%521
Total risk-based capital ratio31.2818%510
Memoranda:
Average total assets$96,777,5005,025
Average earning assets$92,013,0004,906
Average equity$23,669,5002,793
Average total loans$66,536,0004,565
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8230%3,694
Cost of funding earning assets0.7275%5,357
Net interest margin4.0956%2,442
Noninterest income to average assets0.2648%5,629
Noninterest expense to average assets2.2179%6,232
Loan and lease loss provision to assets0.6493%1,569
Net operating income to assets1.3159%1,203
Return on assets (ROA)1.3301%1,265
Pretax return on assets1.3301%2,015
Return on Equity (ROE)5.6174%4,074
Retained earnings to average equity (ytd only)0.9041%5,441
Net charge-offs to loans0.6286%2,577
Credit loss provision to net charge-offs143.8202%2,013
Earnings coverage of net charge-offs (x)4.3528%3,150
Efficiency ratio53.0196%6,612
Assets per employee ($millions)4.2931%3,268
Cash dividends to net income (ytd only)*83.9054%672
Condition Ratios (%)
Loss allowance to loans2.8020%978
Loan loss allowance to noncurrent loans499.2288%685
Noncurrent assets plus other real estate owned to assets0.5844%5,510
Noncurrent loans to loans0.5613%5,596
Net loans and leases to total assets71.3250%1,765
Net loans and leases to deposits104.0804%309
Net loans and leases to core deposits108.2203%691
Total domestic deposits to total assets68.5287%7,050
Equity capital to assets24.9524%107
Core capital (leverage) ratio22.3929%134
Tier 1 risk-based capital ratio30.4830%499
Total risk-based capital ratio31.7506%487
Memoranda:
Average total assets$98,561,4004,931
Average earning assets$94,297,2004,802
Average equity$23,338,0002,744
Average total loans$70,792,6004,459
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8383%3,840
Cost of funding earning assets0.7347%5,562
Net interest margin4.1036%2,458
Noninterest income to average assets0.3039%5,435
Noninterest expense to average assets2.4152%5,722
Loan and lease loss provision to assets0.4820%2,059
Net operating income to assets1.3401%1,287
Return on assets (ROA)1.3468%1,365
Pretax return on assets1.3468%2,125
Return on Equity (ROE)5.7614%4,137
Retained earnings to average equity (ytd only)1.7525%5,267
Net charge-offs to loans0.5133%2,706
Credit loss provision to net charge-offs131.3869%2,423
Earnings coverage of net charge-offs (x)4.9672%2,915
Efficiency ratio56.9984%6,144
Assets per employee ($millions)4.3484%3,183
Cash dividends to net income (ytd only)*69.5825%890
Condition Ratios (%)
Loss allowance to loans2.6446%1,210
Loan loss allowance to noncurrent loans414.7059%772
Noncurrent assets plus other real estate owned to assets0.5770%5,675
Noncurrent loans to loans0.6377%5,613
Net loans and leases to total assets70.5368%1,974
Net loans and leases to deposits103.1615%344
Net loans and leases to core deposits107.2525%802
Total domestic deposits to total assets68.3751%7,125
Equity capital to assets24.8983%119
Core capital (leverage) ratio22.5824%141
Tier 1 risk-based capital ratio30.2297%528
Total risk-based capital ratio31.4955%517
Memoranda:
Average total assets$99,589,7504,937
Average earning assets$95,457,7504,805
Average equity$23,280,7502,754
Average total loans$71,164,0004,484
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8566%3,837
Cost of funding earning assets0.7381%5,746
Net interest margin4.1185%2,343
Noninterest income to average assets0.2319%5,990
Noninterest expense to average assets2.4262%5,763
Loan and lease loss provision to assets0.4757%2,083
Net operating income to assets1.2785%1,374
Return on assets (ROA)1.2785%1,439
Pretax return on assets1.2785%2,212
Return on Equity (ROE)5.5841%4,163
Retained earnings to average equity (ytd only)2.1211%4,929
Net charge-offs to loans0.3761%3,049
Credit loss provision to net charge-offs177.7778%1,695
Earnings coverage of net charge-offs (x)6.5556%2,376
Efficiency ratio58.0370%6,155
Assets per employee ($millions)4.4690%2,894
Cash dividends to net income (ytd only)*62.0155%1,290
Condition Ratios (%)
Loss allowance to loans2.6693%1,211
Loan loss allowance to noncurrent loans595.4984%575
Noncurrent assets plus other real estate owned to assets0.5055%5,897
Noncurrent loans to loans0.4482%6,014
Net loans and leases to total assets68.6860%2,480
Net loans and leases to deposits98.4632%569
Net loans and leases to core deposits106.1943%924
Total domestic deposits to total assets69.7580%7,127
Equity capital to assets23.7975%138
Core capital (leverage) ratio22.0670%157
Tier 1 risk-based capital ratio30.2617%519
Total risk-based capital ratio31.5279%509
Memoranda:
Average total assets$100,898,0004,936
Average earning assets$96,734,3304,791
Average equity$23,101,3302,750
Average total loans$71,781,3304,508
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9542%3,308
Cost of funding earning assets0.7515%5,848
Net interest margin4.2027%1,882
Noninterest income to average assets0.0431%7,170
Noninterest expense to average assets2.4817%5,616
Loan and lease loss provision to assets0.4697%1,871
Net operating income to assets1.1195%1,768
Return on assets (ROA)1.1195%1,818
Pretax return on assets1.1195%2,683
Return on Equity (ROE)4.9840%4,415
Retained earnings to average equity (ytd only)1.4987%5,215
Net charge-offs to loans-0.6139%7,437
Credit loss provision to net charge-offs-107.1429%5,727
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.9615%5,839
Assets per employee ($millions)4.5406%2,818
Cash dividends to net income (ytd only)*69.9301%1,016
Condition Ratios (%)
Loss allowance to loans2.7721%1,140
Loan loss allowance to noncurrent loans552.7933%595
Noncurrent assets plus other real estate owned to assets0.8139%5,278
Noncurrent loans to loans0.5015%6,018
Net loans and leases to total assets69.4843%2,225
Net loans and leases to deposits98.3019%557
Net loans and leases to core deposits104.9933%1,003
Total domestic deposits to total assets70.6846%7,147
Equity capital to assets22.9706%146
Core capital (leverage) ratio21.2625%177
Tier 1 risk-based capital ratio29.1217%566
Total risk-based capital ratio30.3892%549
Memoranda:
Average total assets$102,188,5004,943
Average earning assets$97,937,5004,791
Average equity$22,953,5002,751
Average total loans$72,981,0004,514
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2478%3,372
Cost of funding earning assets0.9434%5,964
Net interest margin4.3044%1,808
Noninterest income to average assets0.4580%4,455
Noninterest expense to average assets2.1938%6,630
Loan and lease loss provision to assets1.0771%1,491
Net operating income to assets1.1994%1,415
Return on assets (ROA)1.1707%1,560
Pretax return on assets1.2227%2,154
Return on Equity (ROE)5.2792%3,957
Retained earnings to average equity (ytd only)0.4957%5,334
Net charge-offs to loans0.5911%3,258
Credit loss provision to net charge-offs246.5784%1,162
Earnings coverage of net charge-offs (x)5.3333%2,653
Efficiency ratio48.4971%7,240
Assets per employee ($millions)5.2242%1,828
Cash dividends to net income (ytd only)*90.6096%554
Condition Ratios (%)
Loss allowance to loans2.3427%1,624
Loan loss allowance to noncurrent loans301.7271%1,018
Noncurrent assets plus other real estate owned to assets1.3217%4,385
Noncurrent loans to loans0.7764%5,492
Net loans and leases to total assets69.7006%2,599
Net loans and leases to deposits96.7209%801
Net loans and leases to core deposits118.8938%565
Total domestic deposits to total assets72.0637%7,077
Equity capital to assets21.9756%184
Core capital (leverage) ratio21.2035%192
Tier 1 risk-based capital ratio27.2529%661
Total risk-based capital ratio28.5152%648
Memoranda:
Average total assets$103,700,8004,883
Average earning assets$97,946,2004,776
Average equity$22,995,8002,762
Average total loans$76,636,4004,434
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2956%3,374
Cost of funding earning assets0.9828%6,023
Net interest margin4.3129%1,807
Noninterest income to average assets0.4740%4,388
Noninterest expense to average assets2.1358%6,766
Loan and lease loss provision to assets1.2456%1,133
Net operating income to assets1.0965%1,897
Return on assets (ROA)1.0524%2,170
Pretax return on assets1.1052%2,808
Return on Equity (ROE)4.7352%4,435
Retained earnings to average equity (ytd only)0.6781%5,530
Net charge-offs to loans0.3474%3,918
Credit loss provision to net charge-offs481.0945%614
Earnings coverage of net charge-offs (x)9.2588%2,048
Efficiency ratio47.1157%7,324
Assets per employee ($millions)5.2824%1,840
Cash dividends to net income (ytd only)*85.6790%524
Condition Ratios (%)
Loss allowance to loans2.4309%1,432
Loan loss allowance to noncurrent loans162.1930%1,758
Noncurrent assets plus other real estate owned to assets1.3990%4,358
Noncurrent loans to loans1.4988%4,391
Net loans and leases to total assets70.2453%2,679
Net loans and leases to deposits98.0771%789
Net loans and leases to core deposits120.3451%598
Total domestic deposits to total assets71.6225%7,170
Equity capital to assets22.3045%185
Core capital (leverage) ratio21.2329%198
Tier 1 risk-based capital ratio27.9314%634
Total risk-based capital ratio29.1954%612
Memoranda:
Average total assets$103,505,0004,948
Average earning assets$97,411,0004,853
Average equity$23,004,5002,805
Average total loans$77,152,2504,494
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3807%3,061
Cost of funding earning assets1.0041%6,117
Net interest margin4.3766%1,518
Noninterest income to average assets0.4942%4,168
Noninterest expense to average assets2.1733%6,715
Loan and lease loss provision to assets1.7258%725
Net operating income to assets0.6565%3,601
Return on assets (ROA)0.6674%3,690
Pretax return on assets0.7199%4,166
Return on Equity (ROE)3.0064%5,229
Retained earnings to average equity (ytd only)-0.4996%5,844
Net charge-offs to loans0.5934%2,746
Credit loss provision to net charge-offs385.6522%941
Earnings coverage of net charge-offs (x)5.4391%2,665
Efficiency ratio47.1706%7,386
Assets per employee ($millions)5.1869%1,941
Cash dividends to net income (ytd only)*116.6181%310
Condition Ratios (%)
Loss allowance to loans2.2519%1,665
Loan loss allowance to noncurrent loans151.0417%1,852
Noncurrent assets plus other real estate owned to assets1.4142%4,353
Noncurrent loans to loans1.4909%4,468
Net loans and leases to total assets72.8062%2,211
Net loans and leases to deposits104.6718%456
Net loans and leases to core deposits129.8808%422
Total domestic deposits to total assets69.5567%7,356
Equity capital to assets22.3932%185
Core capital (leverage) ratio21.1674%199
Tier 1 risk-based capital ratio27.3759%672
Total risk-based capital ratio28.6374%660
Memoranda:
Average total assets$102,791,0004,997
Average earning assets$96,605,3304,914
Average equity$22,818,0002,819
Average total loans$77,516,0004,524
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5105%2,534
Cost of funding earning assets1.0314%6,219
Net interest margin4.4791%1,189
Noninterest income to average assets0.4613%4,372
Noninterest expense to average assets2.4277%5,989
Loan and lease loss provision to assets3.4285%274
Net operating income to assets-1.2901%7,249
Return on assets (ROA)-1.2666%7,260
Pretax return on assets-1.2119%7,152
Return on Equity (ROE)-5.7315%6,921
Retained earnings to average equity (ytd only)-9.2694%6,916
Net charge-offs to loans1.1231%1,498
Credit loss provision to net charge-offs402.2936%1,013
Earnings coverage of net charge-offs (x)2.5734%3,253
Efficiency ratio52.5381%7,096
Assets per employee ($millions)5.1559%2,017
Cash dividends to net income (ytd only)*-61.7284%7,878
Condition Ratios (%)
Loss allowance to loans2.2455%1,669
Loan loss allowance to noncurrent loans146.3866%1,907
Noncurrent assets plus other real estate owned to assets1.5051%4,248
Noncurrent loans to loans1.5339%4,447
Net loans and leases to total assets73.5429%2,071
Net loans and leases to deposits104.8530%482
Net loans and leases to core deposits131.5045%449
Total domestic deposits to total assets70.1391%7,401
Equity capital to assets21.7770%217
Core capital (leverage) ratio20.8371%217
Tier 1 risk-based capital ratio28.1708%627
Total risk-based capital ratio29.4336%612
Memoranda:
Average total assets$102,318,0005,080
Average earning assets$95,018,5005,017
Average equity$22,612,0002,864
Average total loans$77,640,5004,587
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6254%3,465
Cost of funding earning assets1.5557%5,256
Net interest margin4.0697%2,568
Noninterest income to average assets0.4615%4,709
Noninterest expense to average assets2.3838%6,513
Loan and lease loss provision to assets0.4777%3,968
Net operating income to assets0.8611%2,307
Return on assets (ROA)0.0430%5,410
Pretax return on assets0.1232%5,170
Return on Equity (ROE)0.1959%5,470
Retained earnings to average equity (ytd only)-4.1573%5,893
Net charge-offs to loans0.2779%4,892
Credit loss provision to net charge-offs236.9668%1,526
Earnings coverage of net charge-offs (x)9.3223%1,820
Efficiency ratio55.9166%7,026
Assets per employee ($millions)5.0759%2,117
Cash dividends to net income (ytd only)*2,222.2222%13
Condition Ratios (%)
Loss allowance to loans1.3938%4,265
Loan loss allowance to noncurrent loans105.4528%2,669
Noncurrent assets plus other real estate owned to assets1.2747%4,538
Noncurrent loans to loans1.3217%4,713
Net loans and leases to total assets75.4743%1,928
Net loans and leases to deposits111.5138%332
Net loans and leases to core deposits168.6439%247
Total domestic deposits to total assets67.6816%7,570
Equity capital to assets22.4275%216
Core capital (leverage) ratio20.9501%244
Tier 1 risk-based capital ratio27.9520%652
Total risk-based capital ratio29.2095%628
Memoranda:
Average total assets$104,666,4004,970
Average earning assets$97,771,4004,899
Average equity$22,971,8002,829
Average total loans$75,927,0004,655
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7390%3,144
Cost of funding earning assets1.6256%5,282
Net interest margin4.1135%2,341
Noninterest income to average assets0.4539%4,874
Noninterest expense to average assets2.0609%7,266
Loan and lease loss provision to assets0.3793%4,053
Net operating income to assets1.7638%490
Return on assets (ROA)1.7638%518
Pretax return on assets1.8434%738
Return on Equity (ROE)8.0787%2,603
Retained earnings to average equity (ytd only)4.6040%2,700
Net charge-offs to loans-0.0954%7,920
Credit loss provision to net charge-offs-555.5556%7,285
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.1110%7,660
Assets per employee ($millions)5.1458%1,976
Cash dividends to net income (ytd only)*43.0108%2,320
Condition Ratios (%)
Loss allowance to loans1.5076%3,393
Loan loss allowance to noncurrent loans791.7241%442
Noncurrent assets plus other real estate owned to assets0.2915%6,761
Noncurrent loans to loans0.1904%7,022
Net loans and leases to total assets72.8728%2,829
Net loans and leases to deposits112.3618%376
Net loans and leases to core deposits164.3770%328
Total domestic deposits to total assets64.8555%7,731
Equity capital to assets22.6420%227
Core capital (leverage) ratio22.5106%220
Tier 1 risk-based capital ratio30.1110%559
Total risk-based capital ratio31.3643%546
Memoranda:
Average total assets$105,453,5004,976
Average earning assets$98,179,5004,918
Average equity$23,022,7502,851
Average total loans$75,483,0004,718
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9166%2,512
Cost of funding earning assets1.7081%5,229
Net interest margin4.2086%1,965
Noninterest income to average assets0.4572%4,805
Noninterest expense to average assets2.0019%7,461
Loan and lease loss provision to assets0.3199%4,026
Net operating income to assets1.9737%316
Return on assets (ROA)1.9737%346
Pretax return on assets2.0527%488
Return on Equity (ROE)9.1497%2,306
Retained earnings to average equity (ytd only)5.6608%2,176
Net charge-offs to loans-0.1674%8,015
Credit loss provision to net charge-offs-269.8413%7,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.7634%7,863
Assets per employee ($millions)5.1951%1,865
Cash dividends to net income (ytd only)*38.1316%2,516
Condition Ratios (%)
Loss allowance to loans1.4012%3,718
Loan loss allowance to noncurrent loans489.5238%668
Noncurrent assets plus other real estate owned to assets0.2021%7,007
Noncurrent loans to loans0.2862%6,796
Net loans and leases to total assets69.6223%3,787
Net loans and leases to deposits105.9928%767
Net loans and leases to core deposits155.8459%526
Total domestic deposits to total assets65.6859%7,757
Equity capital to assets21.9909%285
Core capital (leverage) ratio22.0909%276
Tier 1 risk-based capital ratio30.8648%547
Total risk-based capital ratio32.1163%537
Memoranda:
Average total assets$106,299,6704,984
Average earning assets$98,941,3304,922
Average equity$22,929,6702,867
Average total loans$75,262,3304,764
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0143%2,302
Cost of funding earning assets1.7402%5,415
Net interest margin4.2742%1,663
Noninterest income to average assets0.4726%4,571
Noninterest expense to average assets1.9982%7,356
Loan and lease loss provision to assets0.1860%4,580
Net operating income to assets2.2772%206
Return on assets (ROA)2.2772%236
Pretax return on assets2.3554%330
Return on Equity (ROE)10.6574%2,083
Retained earnings to average equity (ytd only)7.1746%2,147
Net charge-offs to loans-0.0525%7,708
Credit loss provision to net charge-offs-500.0000%6,394
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.0164%7,928
Assets per employee ($millions)5.3483%1,699
Cash dividends to net income (ytd only)*32.6797%2,256
Condition Ratios (%)
Loss allowance to loans1.1106%5,394
Loan loss allowance to noncurrent loans437.9487%799
Noncurrent assets plus other real estate owned to assets0.2337%6,820
Noncurrent loans to loans0.2536%6,811
Net loans and leases to total assets71.0896%3,446
Net loans and leases to deposits109.8382%620
Net loans and leases to core deposits161.8100%471
Total domestic deposits to total assets64.7221%7,808
Equity capital to assets21.4668%336
Core capital (leverage) ratio21.4452%335
Tier 1 risk-based capital ratio29.2403%673
Total risk-based capital ratio30.3365%664
Memoranda:
Average total assets$107,498,5004,968
Average earning assets$102,289,0004,852
Average equity$22,970,0002,880
Average total loans$76,210,0004,757
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7649%1,803
Cost of funding earning assets2.3919%4,750
Net interest margin4.3730%1,763
Noninterest income to average assets0.4217%5,288
Noninterest expense to average assets1.7602%7,800
Loan and lease loss provision to assets0.7338%2,019
Net operating income to assets2.0864%299
Return on assets (ROA)-0.9663%7,151
Pretax return on assets-0.9663%6,981
Return on Equity (ROE)-4.4408%6,804
Retained earnings to average equity (ytd only)-10.5353%7,116
Net charge-offs to loans1.6140%704
Credit loss provision to net charge-offs64.9961%6,163
Earnings coverage of net charge-offs (x)2.4980%4,824
Efficiency ratio38.4289%8,151
Assets per employee ($millions)5.4016%1,535
Cash dividends to net income (ytd only)*-137.2370%8,172
Condition Ratios (%)
Loss allowance to loans1.0513%5,615
Loan loss allowance to noncurrent loans9,925.0000%63
Noncurrent assets plus other real estate owned to assets0.0583%7,336
Noncurrent loans to loans0.0106%7,508
Net loans and leases to total assets69.1749%4,210
Net loans and leases to deposits106.4984%1,080
Net loans and leases to core deposits159.3378%591
Total domestic deposits to total assets64.9539%7,728
Equity capital to assets21.2696%388
Core capital (leverage) ratio20.2130%433
Tier 1 risk-based capital ratio29.2634%681
Total risk-based capital ratio30.3027%681
Memoranda:
Average total assets$113,113,4004,691
Average earning assets$107,569,4004,578
Average equity$24,612,6002,679
Average total loans$79,118,6004,549