Home > The State Bank of Toledo > Performance and Condition Ratios

The State Bank of Toledo, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6851%2,158
Cost of funding earning assets0.2657%2,747
Net interest margin3.4195%1,966
Noninterest income to average assets0.6408%1,987
Noninterest expense to average assets2.6017%1,863
Loan and lease loss provision to assets0.1851%609
Net operating income to assets1.0445%2,501
Return on assets (ROA)1.0445%2,580
Pretax return on assets1.1072%2,948
Return on Equity (ROE)13.2222%1,391
Retained earnings to average equity (ytd only)0.6760%4,343
Net charge-offs to loans0.3361%252
Credit loss provision to net charge-offs80.4954%1,949
Earnings coverage of net charge-offs (x)5.6192%2,436
Efficiency ratio66.8129%2,144
Assets per employee ($millions)6.8646%2,025
Cash dividends to net income (ytd only)*94.8875%272
Condition Ratios (%)
Loss allowance to loans2.2162%438
Loan loss allowance to noncurrent loans67.8322%3,712
Noncurrent assets plus other real estate owned to assets2.1975%134
Noncurrent loans to loans3.2672%163
Net loans and leases to total assets65.4646%1,536
Net loans and leases to deposits71.2241%1,989
Net loans and leases to core deposits72.5851%2,200
Total domestic deposits to total assets91.9135%201
Equity capital to assets7.9197%4,405
Core capital (leverage) ratio7.9364%4,402
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5960%2,752
Memoranda:
Average total assets$140,447,2003,577
Average earning assets$133,617,6003,535
Average equity$11,095,0004,023
Average total loans$96,108,8003,249
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7658%2,105
Cost of funding earning assets0.2742%2,853
Net interest margin3.4916%1,884
Noninterest income to average assets0.5881%2,257
Noninterest expense to average assets2.6055%1,816
Loan and lease loss provision to assets0.0425%2,146
Net operating income to assets1.1876%2,210
Return on assets (ROA)1.1876%2,268
Pretax return on assets1.2574%2,744
Return on Equity (ROE)15.0423%1,132
Retained earnings to average equity (ytd only)3.8503%3,622
Net charge-offs to loans-0.0082%3,601
Credit loss provision to net charge-offs-750.0000%3,776
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.7150%2,004
Assets per employee ($millions)7.5073%1,564
Cash dividends to net income (ytd only)*74.4038%500
Condition Ratios (%)
Loss allowance to loans2.2324%432
Loan loss allowance to noncurrent loans52.6832%3,923
Noncurrent assets plus other real estate owned to assets2.8807%90
Noncurrent loans to loans4.2375%111
Net loans and leases to total assets66.0112%1,547
Net loans and leases to deposits72.2301%2,029
Net loans and leases to core deposits73.6833%2,272
Total domestic deposits to total assets91.3901%262
Equity capital to assets7.8696%4,576
Core capital (leverage) ratio8.4157%4,108
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0179%2,701
Memoranda:
Average total assets$141,236,2503,615
Average earning assets$134,185,5003,574
Average equity$11,150,5004,074
Average total loans$97,157,5003,282
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0489%1,455
Cost of funding earning assets0.2861%2,906
Net interest margin3.7628%1,198
Noninterest income to average assets0.6223%2,117
Noninterest expense to average assets2.5318%2,044
Loan and lease loss provision to assets0.0426%2,160
Net operating income to assets1.5316%1,212
Return on assets (ROA)1.5316%1,275
Pretax return on assets1.6168%1,692
Return on Equity (ROE)19.3786%510
Retained earnings to average equity (ytd only)8.1613%2,020
Net charge-offs to loans-0.0041%3,372
Credit loss provision to net charge-offs-1,500.0000%3,754
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.4068%2,959
Assets per employee ($millions)7.0811%1,742
Cash dividends to net income (ytd only)*57.8850%989
Condition Ratios (%)
Loss allowance to loans2.1764%447
Loan loss allowance to noncurrent loans52.2154%3,926
Noncurrent assets plus other real estate owned to assets3.0586%88
Noncurrent loans to loans4.1682%125
Net loans and leases to total assets71.2584%1,048
Net loans and leases to deposits77.9331%1,635
Net loans and leases to core deposits79.5881%1,919
Total domestic deposits to total assets91.4353%244
Equity capital to assets8.4414%4,248
Core capital (leverage) ratio8.0558%4,384
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$140,769,0003,630
Average earning assets$133,517,3333,592
Average equity$11,125,6674,085
Average total loans$97,441,0003,291
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8780%1,885
Cost of funding earning assets0.2913%3,088
Net interest margin3.5867%1,620
Noninterest income to average assets0.6394%2,067
Noninterest expense to average assets2.4520%2,323
Loan and lease loss provision to assets0.0417%2,228
Net operating income to assets1.4623%1,412
Return on assets (ROA)1.4623%1,474
Pretax return on assets1.5346%1,899
Return on Equity (ROE)19.1099%613
Retained earnings to average equity (ytd only)7.7748%2,323
Net charge-offs to loans-0.0041%3,324
Credit loss provision to net charge-offs-1,500.0000%3,465
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.8696%2,925
Assets per employee ($millions)7.3416%1,563
Cash dividends to net income (ytd only)*59.3156%903
Condition Ratios (%)
Loss allowance to loans2.1269%475
Loan loss allowance to noncurrent loans41.4414%4,099
Noncurrent assets plus other real estate owned to assets3.4993%73
Noncurrent loans to loans5.1324%75
Net loans and leases to total assets66.3143%1,755
Net loans and leases to deposits71.7994%2,332
Net loans and leases to core deposits73.3213%2,579
Total domestic deposits to total assets92.3606%89
Equity capital to assets7.5713%4,685
Core capital (leverage) ratio8.0158%4,553
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$143,883,5003,591
Average earning assets$135,946,0003,565
Average equity$11,010,0004,109
Average total loans$97,159,5003,306
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5672%1,163
Cost of funding earning assets0.4635%3,196
Net interest margin4.1037%777
Noninterest income to average assets0.5659%2,351
Noninterest expense to average assets2.7488%2,081
Loan and lease loss provision to assets0.2096%1,875
Net operating income to assets1.3991%1,021
Return on assets (ROA)1.4405%1,019
Pretax return on assets1.5122%1,297
Return on Equity (ROE)16.4925%454
Retained earnings to average equity (ytd only)3.6455%3,013
Net charge-offs to loans0.1468%1,111
Credit loss provision to net charge-offs178.0822%2,275
Earnings coverage of net charge-offs (x)14.2603%2,223
Efficiency ratio62.0903%3,113
Assets per employee ($millions)7.0468%1,551
Cash dividends to net income (ytd only)*77.8959%702
Condition Ratios (%)
Loss allowance to loans2.2144%396
Loan loss allowance to noncurrent loans54.8589%3,945
Noncurrent assets plus other real estate owned to assets2.7403%150
Noncurrent loans to loans4.0366%137
Net loans and leases to total assets65.7980%2,123
Net loans and leases to deposits71.5234%2,729
Net loans and leases to core deposits73.9391%2,920
Total domestic deposits to total assets91.9949%71
Equity capital to assets7.7361%4,793
Core capital (leverage) ratio8.0261%4,613
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$124,054,4003,696
Average earning assets$116,723,6003,668
Average equity$10,835,2004,102
Average total loans$99,457,4003,237
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7130%1,033
Cost of funding earning assets0.5036%3,201
Net interest margin4.2094%713
Noninterest income to average assets0.5218%2,518
Noninterest expense to average assets2.7615%2,085
Loan and lease loss provision to assets0.0501%3,724
Net operating income to assets1.5909%746
Return on assets (ROA)1.6300%747
Pretax return on assets1.7134%945
Return on Equity (ROE)18.0555%359
Retained earnings to average equity (ytd only)6.5197%1,878
Net charge-offs to loans0.0265%2,309
Credit loss provision to net charge-offs225.0000%2,013
Earnings coverage of net charge-offs (x)77.4000%942
Efficiency ratio61.5881%3,139
Assets per employee ($millions)6.6315%1,727
Cash dividends to net income (ytd only)*63.8908%994
Condition Ratios (%)
Loss allowance to loans2.0495%456
Loan loss allowance to noncurrent loans41.8087%4,155
Noncurrent assets plus other real estate owned to assets3.6523%100
Noncurrent loans to loans4.9021%113
Net loans and leases to total assets72.4661%1,597
Net loans and leases to deposits79.2367%2,398
Net loans and leases to core deposits82.4435%2,627
Total domestic deposits to total assets91.4551%107
Equity capital to assets8.3217%4,563
Core capital (leverage) ratio9.3065%3,449
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$119,834,0003,739
Average earning assets$112,791,5003,716
Average equity$10,818,2504,108
Average total loans$100,613,5003,228
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0369%776
Cost of funding earning assets0.5599%3,179
Net interest margin4.4770%532
Noninterest income to average assets0.5296%2,444
Noninterest expense to average assets2.7654%2,175
Loan and lease loss provision to assets0.0519%3,654
Net operating income to assets1.8255%477
Return on assets (ROA)1.8863%455
Pretax return on assets1.9832%566
Return on Equity (ROE)20.2879%235
Retained earnings to average equity (ytd only)8.6735%1,113
Net charge-offs to loans0.0394%1,953
Credit loss provision to net charge-offs150.0000%2,122
Earnings coverage of net charge-offs (x)56.9500%1,008
Efficiency ratio58.3851%3,646
Assets per employee ($millions)5.7954%2,378
Cash dividends to net income (ytd only)*57.2477%1,315
Condition Ratios (%)
Loss allowance to loans2.0084%427
Loan loss allowance to noncurrent loans41.0615%4,214
Noncurrent assets plus other real estate owned to assets4.2077%77
Noncurrent loans to loans4.8911%114
Net loans and leases to total assets84.0234%253
Net loans and leases to deposits93.0341%1,047
Net loans and leases to core deposits98.8199%1,346
Total domestic deposits to total assets90.3146%322
Equity capital to assets9.4679%3,687
Core capital (leverage) ratio9.4271%3,439
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$115,569,0003,780
Average earning assets$108,599,3333,760
Average equity$10,745,3334,127
Average total loans$101,444,0003,212
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0447%885
Cost of funding earning assets0.5954%3,461
Net interest margin4.4492%565
Noninterest income to average assets0.5130%2,484
Noninterest expense to average assets2.7348%2,618
Loan and lease loss provision to assets0.0520%3,127
Net operating income to assets1.8057%410
Return on assets (ROA)1.9341%333
Pretax return on assets2.0312%424
Return on Equity (ROE)20.9952%134
Retained earnings to average equity (ytd only)9.2559%906
Net charge-offs to loans0.0039%2,439
Credit loss provision to net charge-offs1,500.0000%424
Earnings coverage of net charge-offs (x)562.0000%105
Efficiency ratio58.4012%3,949
Assets per employee ($millions)5.7741%1,869
Cash dividends to net income (ytd only)*55.9140%1,484
Condition Ratios (%)
Loss allowance to loans1.9579%540
Loan loss allowance to noncurrent loans42.1319%4,213
Noncurrent assets plus other real estate owned to assets4.1245%98
Noncurrent loans to loans4.6470%147
Net loans and leases to total assets86.7260%107
Net loans and leases to deposits95.7705%931
Net loans and leases to core deposits102.4982%1,286
Total domestic deposits to total assets90.5560%184
Equity capital to assets9.3124%4,383
Core capital (leverage) ratio9.4671%4,020
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$115,400,0003,772
Average earning assets$108,154,0003,746
Average equity$10,631,0004,158
Average total loans$102,473,5003,188
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8980%1,752
Cost of funding earning assets0.6460%3,432
Net interest margin4.2520%1,200
Noninterest income to average assets0.6424%2,034
Noninterest expense to average assets2.9382%2,177
Loan and lease loss provision to assets0.2239%866
Net operating income to assets1.3899%1,373
Return on assets (ROA)1.3899%1,447
Pretax return on assets1.4596%1,940
Return on Equity (ROE)15.4361%616
Retained earnings to average equity (ytd only)2.1232%3,935
Net charge-offs to loans0.0262%2,873
Credit loss provision to net charge-offs962.9630%361
Earnings coverage of net charge-offs (x)72.4074%866
Efficiency ratio63.5737%3,131
Assets per employee ($millions)5.7660%1,821
Cash dividends to net income (ytd only)*86.2454%624
Condition Ratios (%)
Loss allowance to loans1.9320%523
Loan loss allowance to noncurrent loans33.6382%4,371
Noncurrent assets plus other real estate owned to assets5.1336%52
Noncurrent loans to loans5.7435%76
Net loans and leases to total assets87.4175%104
Net loans and leases to deposits96.4633%895
Net loans and leases to core deposits108.3164%956
Total domestic deposits to total assets90.6225%172
Equity capital to assets9.1121%4,631
Core capital (leverage) ratio9.2100%4,355
Tier 1 risk-based capital ratio10.6077%4,987
Total risk-based capital ratio11.8665%4,907
Memoranda:
Average total assets$116,126,4003,748
Average earning assets$108,677,0003,734
Average equity$10,456,0004,182
Average total loans$103,145,8003,184
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8551%1,953
Cost of funding earning assets0.6491%3,453
Net interest margin4.2060%1,368
Noninterest income to average assets0.6453%2,008
Noninterest expense to average assets2.8906%2,291
Loan and lease loss provision to assets0.0516%2,876
Net operating income to assets1.5588%1,037
Return on assets (ROA)1.5588%1,088
Pretax return on assets1.6390%1,499
Return on Equity (ROE)17.3637%444
Retained earnings to average equity (ytd only)5.4134%2,668
Net charge-offs to loans0.0220%2,662
Credit loss provision to net charge-offs264.7059%1,043
Earnings coverage of net charge-offs (x)86.7499%814
Efficiency ratio63.0973%3,145
Assets per employee ($millions)5.7106%1,842
Cash dividends to net income (ytd only)*68.8235%996
Condition Ratios (%)
Loss allowance to loans1.7204%783
Loan loss allowance to noncurrent loans30.0692%4,499
Noncurrent assets plus other real estate owned to assets5.1860%70
Noncurrent loans to loans5.7215%81
Net loans and leases to total assets89.0807%64
Net loans and leases to deposits98.5977%760
Net loans and leases to core deposits108.7605%1,004
Total domestic deposits to total assets90.3477%202
Equity capital to assets9.3774%4,543
Core capital (leverage) ratio9.4946%4,170
Tier 1 risk-based capital ratio9.4065%5,237
Total risk-based capital ratio10.6606%5,225
Memoranda:
Average total assets$116,328,2503,793
Average earning assets$108,858,7503,772
Average equity$10,443,0004,231
Average total loans$103,233,5003,222
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6459%2,527
Cost of funding earning assets0.6210%3,544
Net interest margin4.0248%1,843
Noninterest income to average assets0.5725%2,273
Noninterest expense to average assets2.9308%2,193
Loan and lease loss provision to assets0.0513%2,787
Net operating income to assets1.2031%2,137
Return on assets (ROA)1.2031%2,199
Pretax return on assets1.3671%2,314
Return on Equity (ROE)13.5986%1,076
Retained earnings to average equity (ytd only)1.5453%4,275
Net charge-offs to loans0.0349%2,168
Credit loss provision to net charge-offs166.6667%1,382
Earnings coverage of net charge-offs (x)46.1111%1,156
Efficiency ratio67.3870%2,627
Assets per employee ($millions)5.6596%1,818
Cash dividends to net income (ytd only)*88.6364%642
Condition Ratios (%)
Loss allowance to loans1.6892%839
Loan loss allowance to noncurrent loans29.0487%4,566
Noncurrent assets plus other real estate owned to assets5.3679%68
Noncurrent loans to loans5.8149%74
Net loans and leases to total assets90.7529%42
Net loans and leases to deposits100.1941%662
Net loans and leases to core deposits115.4097%708
Total domestic deposits to total assets90.5771%181
Equity capital to assets9.1579%4,691
Core capital (leverage) ratio9.1735%4,492
Tier 1 risk-based capital ratio10.5084%5,103
Total risk-based capital ratio11.7654%5,018
Memoranda:
Average total assets$117,034,0003,809
Average earning assets$109,818,3303,778
Average equity$10,354,0004,256
Average total loans$103,137,6703,236
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7687%1,997
Cost of funding earning assets0.6100%3,512
Net interest margin4.1587%1,405
Noninterest income to average assets0.5044%2,528
Noninterest expense to average assets2.7943%2,587
Loan and lease loss provision to assets0.0504%2,645
Net operating income to assets1.4661%1,191
Return on assets (ROA)1.4661%1,221
Pretax return on assets1.5569%1,587
Return on Equity (ROE)16.8535%491
Retained earnings to average equity (ytd only)4.7932%3,000
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.4836%3,322
Assets per employee ($millions)6.0286%1,522
Cash dividends to net income (ytd only)*71.5596%1,089
Condition Ratios (%)
Loss allowance to loans1.7172%828
Loan loss allowance to noncurrent loans45.1596%4,353
Noncurrent assets plus other real estate owned to assets3.2470%174
Noncurrent loans to loans3.8025%218
Net loans and leases to total assets83.9258%378
Net loans and leases to deposits92.4448%1,351
Net loans and leases to core deposits101.6821%1,490
Total domestic deposits to total assets90.7848%214
Equity capital to assets8.6338%4,909
Core capital (leverage) ratio9.0808%4,595
Tier 1 risk-based capital ratio10.6863%5,120
Total risk-based capital ratio11.9428%5,016
Memoranda:
Average total assets$118,955,0003,819
Average earning assets$111,478,0003,794
Average equity$10,348,0004,280
Average total loans$102,461,5003,279
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7460%1,689
Cost of funding earning assets0.5189%3,234
Net interest margin4.2271%1,335
Noninterest income to average assets0.5884%2,357
Noninterest expense to average assets2.8777%2,426
Loan and lease loss provision to assets0.1391%1,547
Net operating income to assets1.4677%1,210
Return on assets (ROA)1.4297%1,329
Pretax return on assets1.5036%1,775
Return on Equity (ROE)16.0463%627
Retained earnings to average equity (ytd only)2.4679%4,154
Net charge-offs to loans0.0221%2,983
Credit loss provision to net charge-offs727.2727%488
Earnings coverage of net charge-offs (x)88.0000%809
Efficiency ratio63.1027%3,325
Assets per employee ($millions)5.8669%1,616
Cash dividends to net income (ytd only)*84.6201%567
Condition Ratios (%)
Loss allowance to loans1.7192%804
Loan loss allowance to noncurrent loans52.8012%4,267
Noncurrent assets plus other real estate owned to assets2.8294%240
Noncurrent loans to loans3.2561%292
Net loans and leases to total assets85.4037%276
Net loans and leases to deposits94.9139%1,180
Net loans and leases to core deposits108.9049%1,057
Total domestic deposits to total assets89.9802%486
Equity capital to assets8.7661%4,755
Core capital (leverage) ratio8.6660%4,908
Tier 1 risk-based capital ratio10.7569%5,092
Total risk-based capital ratio12.0138%4,977
Memoranda:
Average total assets$115,055,8003,871
Average earning assets$108,113,0003,834
Average equity$10,251,6004,275
Average total loans$99,648,0003,298
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6945%1,694
Cost of funding earning assets0.4551%3,493
Net interest margin4.2394%1,262
Noninterest income to average assets0.5567%2,537
Noninterest expense to average assets2.8440%2,481
Loan and lease loss provision to assets0.0524%2,934
Net operating income to assets1.5710%1,024
Return on assets (ROA)1.5710%1,026
Pretax return on assets1.6526%1,404
Return on Equity (ROE)17.5595%476
Retained earnings to average equity (ytd only)5.3759%3,018
Net charge-offs to loans-0.0013%4,041
Credit loss provision to net charge-offs-4,500.0000%4,832
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5192%3,426
Assets per employee ($millions)5.9319%1,543
Cash dividends to net income (ytd only)*69.3849%878
Condition Ratios (%)
Loss allowance to loans1.6220%1,023
Loan loss allowance to noncurrent loans45.4446%4,484
Noncurrent assets plus other real estate owned to assets3.0808%228
Noncurrent loans to loans3.5692%263
Net loans and leases to total assets84.9155%366
Net loans and leases to deposits96.9792%1,042
Net loans and leases to core deposits107.1507%1,223
Total domestic deposits to total assets87.5605%1,458
Equity capital to assets8.8058%4,719
Core capital (leverage) ratio9.2306%4,481
Tier 1 risk-based capital ratio10.7243%5,159
Total risk-based capital ratio11.9798%5,058
Memoranda:
Average total assets$114,485,2503,915
Average earning assets$107,812,0003,877
Average equity$10,243,0004,314
Average total loans$99,069,0003,337
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7083%1,484
Cost of funding earning assets0.4058%3,683
Net interest margin4.3025%1,029
Noninterest income to average assets0.5818%2,424
Noninterest expense to average assets2.8505%2,502
Loan and lease loss provision to assets0.0530%2,854
Net operating income to assets1.6428%817
Return on assets (ROA)1.6428%823
Pretax return on assets1.7277%1,146
Return on Equity (ROE)18.2604%397
Retained earnings to average equity (ytd only)5.9951%2,565
Net charge-offs to loans-0.0143%4,440
Credit loss provision to net charge-offs-428.5714%4,341
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5502%3,686
Assets per employee ($millions)5.5866%1,811
Cash dividends to net income (ytd only)*67.1690%1,081
Condition Ratios (%)
Loss allowance to loans1.6656%968
Loan loss allowance to noncurrent loans49.1374%4,436
Noncurrent assets plus other real estate owned to assets3.0090%246
Noncurrent loans to loans3.3896%296
Net loans and leases to total assets87.2928%184
Net loans and leases to deposits102.1673%650
Net loans and leases to core deposits109.9272%1,009
Total domestic deposits to total assets85.4411%2,516
Equity capital to assets9.2534%4,330
Core capital (leverage) ratio9.1566%4,511
Tier 1 risk-based capital ratio11.2311%4,934
Total risk-based capital ratio12.4880%4,828
Memoranda:
Average total assets$113,101,0003,969
Average earning assets$106,450,3303,940
Average equity$10,175,0004,358
Average total loans$97,957,6703,373
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5280%1,786
Cost of funding earning assets0.3434%4,039
Net interest margin4.1846%1,207
Noninterest income to average assets0.5308%2,628
Noninterest expense to average assets2.8334%2,593
Loan and lease loss provision to assets0.0527%2,720
Net operating income to assets1.5081%1,062
Return on assets (ROA)1.5081%1,060
Pretax return on assets1.5854%1,432
Return on Equity (ROE)17.0019%511
Retained earnings to average equity (ytd only)4.6369%3,348
Net charge-offs to loans-0.0123%4,339
Credit loss provision to net charge-offs-500.0000%3,995
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3648%3,585
Assets per employee ($millions)5.7799%1,704
Cash dividends to net income (ytd only)*72.7273%964
Condition Ratios (%)
Loss allowance to loans1.6432%1,070
Loan loss allowance to noncurrent loans44.2908%4,551
Noncurrent assets plus other real estate owned to assets3.1895%240
Noncurrent loans to loans3.7099%277
Net loans and leases to total assets84.5602%382
Net loans and leases to deposits95.3351%1,089
Net loans and leases to core deposits101.0190%1,611
Total domestic deposits to total assets88.6978%1,259
Equity capital to assets8.7822%4,761
Core capital (leverage) ratio9.1111%4,557
Tier 1 risk-based capital ratio10.9034%5,186
Total risk-based capital ratio12.1602%5,088
Memoranda:
Average total assets$113,785,5003,998
Average earning assets$107,154,5003,968
Average equity$10,093,0004,414
Average total loans$97,343,5003,406
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3439%2,198
Cost of funding earning assets0.3192%3,960
Net interest margin4.0248%1,675
Noninterest income to average assets0.7270%1,856
Noninterest expense to average assets2.8802%2,523
Loan and lease loss provision to assets0.1396%1,638
Net operating income to assets1.4171%979
Return on assets (ROA)1.4113%1,007
Pretax return on assets1.4872%1,695
Return on Equity (ROE)16.1846%460
Retained earnings to average equity (ytd only)2.7325%3,678
Net charge-offs to loans0.0296%3,208
Credit loss provision to net charge-offs571.4286%562
Earnings coverage of net charge-offs (x)66.8214%880
Efficiency ratio63.8174%3,630
Assets per employee ($millions)5.5987%1,848
Cash dividends to net income (ytd only)*83.1169%731
Condition Ratios (%)
Loss allowance to loans1.6946%956
Loan loss allowance to noncurrent loans40.4458%4,680
Noncurrent assets plus other real estate owned to assets3.5660%185
Noncurrent loans to loans4.1897%219
Net loans and leases to total assets83.6712%484
Net loans and leases to deposits94.7024%1,199
Net loans and leases to core deposits101.4422%1,593
Total domestic deposits to total assets88.3518%1,328
Equity capital to assets8.9610%4,761
Core capital (leverage) ratio8.8832%4,772
Tier 1 risk-based capital ratio11.1710%5,052
Total risk-based capital ratio12.4269%4,924
Memoranda:
Average total assets$114,577,2003,987
Average earning assets$107,782,6003,953
Average equity$9,991,0004,449
Average total loans$94,721,0003,438
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2964%2,270
Cost of funding earning assets0.3109%4,016
Net interest margin3.9855%1,757
Noninterest income to average assets0.7417%1,823
Noninterest expense to average assets2.8222%2,653
Loan and lease loss provision to assets0.0521%3,057
Net operating income to assets1.5389%816
Return on assets (ROA)1.5389%844
Pretax return on assets1.6199%1,351
Return on Equity (ROE)17.7680%352
Retained earnings to average equity (ytd only)5.9049%2,305
Net charge-offs to loans0.0508%2,414
Credit loss provision to net charge-offs125.0000%1,938
Earnings coverage of net charge-offs (x)40.1379%1,292
Efficiency ratio62.7961%3,756
Assets per employee ($millions)5.8952%1,574
Cash dividends to net income (ytd only)*66.7669%1,075
Condition Ratios (%)
Loss allowance to loans1.5530%1,355
Loan loss allowance to noncurrent loans47.1108%4,603
Noncurrent assets plus other real estate owned to assets2.6861%367
Noncurrent loans to loans3.2966%355
Net loans and leases to total assets80.2161%955
Net loans and leases to deposits90.3591%1,767
Net loans and leases to core deposits97.8795%1,896
Total domestic deposits to total assets88.7748%988
Equity capital to assets8.6503%5,189
Core capital (leverage) ratio9.3208%4,381
Tier 1 risk-based capital ratio11.2661%5,098
Total risk-based capital ratio12.5206%4,990
Memoranda:
Average total assets$115,228,0004,012
Average earning assets$108,490,2503,987
Average equity$9,980,2504,493
Average total loans$94,575,0003,469
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3093%2,093
Cost of funding earning assets0.3044%4,039
Net interest margin4.0050%1,589
Noninterest income to average assets0.8431%1,431
Noninterest expense to average assets2.8967%2,435
Loan and lease loss provision to assets0.0525%2,934
Net operating income to assets1.5848%731
Return on assets (ROA)1.5848%750
Pretax return on assets1.6688%1,129
Return on Equity (ROE)18.2895%308
Retained earnings to average equity (ytd only)6.6617%1,761
Net charge-offs to loans0.0808%1,810
Credit loss provision to net charge-offs78.9474%2,276
Earnings coverage of net charge-offs (x)25.8947%1,591
Efficiency ratio62.7273%3,857
Assets per employee ($millions)5.4411%1,929
Cash dividends to net income (ytd only)*63.5762%1,348
Condition Ratios (%)
Loss allowance to loans1.5582%1,368
Loan loss allowance to noncurrent loans51.8818%4,535
Noncurrent assets plus other real estate owned to assets2.6125%396
Noncurrent loans to loans3.0033%431
Net loans and leases to total assets85.6325%300
Net loans and leases to deposits97.5821%927
Net loans and leases to core deposits102.1227%1,500
Total domestic deposits to total assets87.7543%1,589
Equity capital to assets9.2693%4,653
Core capital (leverage) ratio9.0054%4,718
Tier 1 risk-based capital ratio11.0693%5,215
Total risk-based capital ratio12.3243%5,107
Memoranda:
Average total assets$114,336,0004,053
Average earning assets$107,766,3304,022
Average equity$9,907,3304,518
Average total loans$94,076,6703,495
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1748%2,362
Cost of funding earning assets0.2969%4,076
Net interest margin3.8779%1,861
Noninterest income to average assets0.6115%2,364
Noninterest expense to average assets2.8456%2,633
Loan and lease loss provision to assets0.0512%2,784
Net operating income to assets1.3015%1,236
Return on assets (ROA)1.3015%1,270
Pretax return on assets1.3733%1,975
Return on Equity (ROE)15.5233%588
Retained earnings to average equity (ytd only)4.7670%3,029
Net charge-offs to loans0.1535%1,041
Credit loss provision to net charge-offs41.6667%2,053
Earnings coverage of net charge-offs (x)11.5833%1,881
Efficiency ratio66.6400%3,387
Assets per employee ($millions)5.9568%1,536
Cash dividends to net income (ytd only)*69.2913%1,185
Condition Ratios (%)
Loss allowance to loans1.5385%1,544
Loan loss allowance to noncurrent loans88.6598%3,826
Noncurrent assets plus other real estate owned to assets1.4034%1,189
Noncurrent loans to loans1.7353%1,102
Net loans and leases to total assets78.5361%1,045
Net loans and leases to deposits88.1947%1,771
Net loans and leases to core deposits92.8288%2,087
Total domestic deposits to total assets89.0486%1,121
Equity capital to assets8.2889%5,359
Core capital (leverage) ratio8.9546%4,791
Tier 1 risk-based capital ratio10.5121%5,534
Total risk-based capital ratio11.7659%5,459
Memoranda:
Average total assets$117,093,0004,042
Average earning assets$110,473,0004,007
Average equity$9,817,5004,568
Average total loans$93,784,0003,518
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4245%1,763
Cost of funding earning assets0.3125%3,919
Net interest margin4.1120%1,359
Noninterest income to average assets0.5723%2,802
Noninterest expense to average assets2.8008%3,020
Loan and lease loss provision to assets0.2318%934
Net operating income to assets1.3291%1,146
Return on assets (ROA)1.3291%1,202
Pretax return on assets1.3986%1,946
Return on Equity (ROE)15.4195%575
Retained earnings to average equity (ytd only)4.0022%3,071
Net charge-offs to loans0.1001%2,278
Credit loss provision to net charge-offs282.6087%1,034
Earnings coverage of net charge-offs (x)19.8804%1,891
Efficiency ratio63.2066%4,073
Assets per employee ($millions)5.7526%1,659
Cash dividends to net income (ytd only)*74.0443%1,139
Condition Ratios (%)
Loss allowance to loans1.6025%1,366
Loan loss allowance to noncurrent loans88.0641%3,860
Noncurrent assets plus other real estate owned to assets1.4637%1,154
Noncurrent loans to loans1.8197%1,045
Net loans and leases to total assets79.1466%1,018
Net loans and leases to deposits89.2578%1,771
Net loans and leases to core deposits96.0964%1,917
Total domestic deposits to total assets88.6720%1,285
Equity capital to assets8.4832%5,281
Core capital (leverage) ratio8.7641%5,011
Tier 1 risk-based capital ratio10.7458%5,464
Total risk-based capital ratio12.0010%5,363
Memoranda:
Average total assets$112,184,0004,123
Average earning assets$105,277,0004,094
Average equity$9,669,6004,640
Average total loans$91,904,6003,536
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4403%1,726
Cost of funding earning assets0.3101%3,976
Net interest margin4.1302%1,313
Noninterest income to average assets0.5586%2,878
Noninterest expense to average assets2.8133%2,958
Loan and lease loss provision to assets0.0538%3,185
Net operating income to assets1.4617%953
Return on assets (ROA)1.4617%999
Pretax return on assets1.5622%1,490
Return on Equity (ROE)16.8891%456
Retained earnings to average equity (ytd only)7.2698%1,492
Net charge-offs to loans0.0232%3,217
Credit loss provision to net charge-offs281.2500%1,094
Earnings coverage of net charge-offs (x)84.4487%747
Efficiency ratio63.5161%4,000
Assets per employee ($millions)5.7188%1,648
Cash dividends to net income (ytd only)*56.9561%1,558
Condition Ratios (%)
Loss allowance to loans1.4377%2,033
Loan loss allowance to noncurrent loans75.2941%4,142
Noncurrent assets plus other real estate owned to assets1.5685%1,123
Noncurrent loans to loans1.9094%1,047
Net loans and leases to total assets80.5580%810
Net loans and leases to deposits91.1140%1,619
Net loans and leases to core deposits99.8050%1,655
Total domestic deposits to total assets88.4145%1,185
Equity capital to assets8.6618%5,425
Core capital (leverage) ratio9.2516%4,528
Tier 1 risk-based capital ratio10.7688%5,494
Total risk-based capital ratio12.0209%5,397
Memoranda:
Average total assets$111,467,2504,162
Average earning assets$104,464,0004,133
Average equity$9,647,0004,689
Average total loans$91,745,2503,557
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4389%1,714
Cost of funding earning assets0.3011%4,116
Net interest margin4.1379%1,268
Noninterest income to average assets0.5032%3,169
Noninterest expense to average assets2.7512%3,191
Loan and lease loss provision to assets0.0543%3,065
Net operating income to assets1.4661%949
Return on assets (ROA)1.4661%997
Pretax return on assets1.5783%1,428
Return on Equity (ROE)16.9450%443
Retained earnings to average equity (ytd only)7.9077%1,199
Net charge-offs to loans0.0088%3,400
Credit loss provision to net charge-offs750.0000%469
Earnings coverage of net charge-offs (x)225.5000%290
Efficiency ratio62.7581%4,217
Assets per employee ($millions)5.3070%1,976
Cash dividends to net income (ytd only)*53.3333%1,814
Condition Ratios (%)
Loss allowance to loans1.4523%2,058
Loan loss allowance to noncurrent loans80.4439%4,110
Noncurrent assets plus other real estate owned to assets1.5706%1,191
Noncurrent loans to loans1.8054%1,140
Net loans and leases to total assets85.7300%270
Net loans and leases to deposits98.1046%879
Net loans and leases to core deposits106.1799%1,169
Total domestic deposits to total assets87.3864%1,720
Equity capital to assets9.1974%5,069
Core capital (leverage) ratio9.0459%4,776
Tier 1 risk-based capital ratio10.9020%5,477
Total risk-based capital ratio12.1554%5,394
Memoranda:
Average total assets$110,497,6704,217
Average earning assets$103,628,6704,182
Average equity$9,560,3304,731
Average total loans$91,166,0003,584
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3274%2,040
Cost of funding earning assets0.2918%4,263
Net interest margin4.0356%1,518
Noninterest income to average assets0.4047%3,797
Noninterest expense to average assets2.7406%3,273
Loan and lease loss provision to assets0.0532%2,875
Net operating income to assets1.2531%1,398
Return on assets (ROA)1.2531%1,494
Pretax return on assets1.3916%1,931
Return on Equity (ROE)14.9268%679
Retained earnings to average equity (ytd only)5.7931%2,475
Net charge-offs to loans-0.0044%4,258
Credit loss provision to net charge-offs-1,500.0000%4,811
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.4792%3,880
Assets per employee ($millions)6.0247%1,390
Cash dividends to net income (ytd only)*61.1898%1,411
Condition Ratios (%)
Loss allowance to loans1.4515%2,193
Loan loss allowance to noncurrent loans75.4108%4,189
Noncurrent assets plus other real estate owned to assets1.6039%1,243
Noncurrent loans to loans1.9248%1,127
Net loans and leases to total assets78.9436%959
Net loans and leases to deposits88.5846%1,751
Net loans and leases to core deposits94.6756%1,918
Total domestic deposits to total assets89.1167%1,045
Equity capital to assets8.3210%5,685
Core capital (leverage) ratio8.9499%4,916
Tier 1 risk-based capital ratio10.4090%5,787
Total risk-based capital ratio11.6612%5,711
Memoranda:
Average total assets$112,677,0004,210
Average earning assets$105,560,5004,169
Average equity$9,459,5004,769
Average total loans$90,582,0003,610
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4477%1,753
Cost of funding earning assets0.2879%4,386
Net interest margin4.1598%1,258
Noninterest income to average assets0.6445%2,493
Noninterest expense to average assets2.9120%2,816
Loan and lease loss provision to assets0.2418%791
Net operating income to assets1.3095%1,245
Return on assets (ROA)1.3095%1,299
Pretax return on assets1.3737%2,007
Return on Equity (ROE)15.0740%675
Retained earnings to average equity (ytd only)3.5116%3,565
Net charge-offs to loans-0.1087%5,802
Credit loss provision to net charge-offs-268.0412%5,331
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.3180%4,195
Assets per employee ($millions)5.5443%1,748
Cash dividends to net income (ytd only)*76.7045%978
Condition Ratios (%)
Loss allowance to loans1.4698%2,133
Loan loss allowance to noncurrent loans65.6843%4,495
Noncurrent assets plus other real estate owned to assets1.8704%985
Noncurrent loans to loans2.2377%873
Net loans and leases to total assets79.4986%918
Net loans and leases to deposits88.8334%1,771
Net loans and leases to core deposits93.9066%2,054
Total domestic deposits to total assets89.4918%861
Equity capital to assets8.4718%5,587
Core capital (leverage) ratio8.7289%5,186
Tier 1 risk-based capital ratio10.6098%5,723
Total risk-based capital ratio11.8629%5,644
Memoranda:
Average total assets$107,520,6004,306
Average earning assets$100,366,2004,277
Average equity$9,340,6004,780
Average total loans$89,253,4003,605
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4675%1,701
Cost of funding earning assets0.2842%4,514
Net interest margin4.1833%1,202
Noninterest income to average assets0.5299%3,164
Noninterest expense to average assets2.8833%2,902
Loan and lease loss provision to assets0.0562%3,065
Net operating income to assets1.4185%1,066
Return on assets (ROA)1.4185%1,110
Pretax return on assets1.4910%1,705
Return on Equity (ROE)16.2245%560
Retained earnings to average equity (ytd only)6.9615%1,709
Net charge-offs to loans-0.1390%5,901
Credit loss provision to net charge-offs-48.3871%4,966
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.0776%4,050
Assets per employee ($millions)5.4455%1,832
Cash dividends to net income (ytd only)*57.0924%1,557
Condition Ratios (%)
Loss allowance to loans1.2008%3,652
Loan loss allowance to noncurrent loans54.9373%4,816
Noncurrent assets plus other real estate owned to assets2.0136%1,013
Noncurrent loans to loans2.1858%1,011
Net loans and leases to total assets82.7966%497
Net loans and leases to deposits92.1430%1,390
Net loans and leases to core deposits99.1577%1,588
Total domestic deposits to total assets89.8567%638
Equity capital to assets8.7835%5,504
Core capital (leverage) ratio9.2756%4,616
Tier 1 risk-based capital ratio10.5395%5,866
Total risk-based capital ratio11.7513%5,814
Memoranda:
Average total assets$106,679,5004,371
Average earning assets$99,471,5004,346
Average equity$9,327,2504,842
Average total loans$89,200,0003,639
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5174%1,479
Cost of funding earning assets0.2806%4,606
Net interest margin4.2368%1,030
Noninterest income to average assets0.5399%3,109
Noninterest expense to average assets2.9943%2,566
Loan and lease loss provision to assets0.0566%2,968
Net operating income to assets1.3820%1,129
Return on assets (ROA)1.3820%1,167
Pretax return on assets1.4518%1,796
Return on Equity (ROE)15.8310%630
Retained earnings to average equity (ytd only)6.4881%1,953
Net charge-offs to loans-0.2282%6,057
Credit loss provision to net charge-offs-29.7030%4,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.4990%3,919
Assets per employee ($millions)4.6147%2,810
Cash dividends to net income (ytd only)*59.0164%1,573
Condition Ratios (%)
Loss allowance to loans1.2134%3,712
Loan loss allowance to noncurrent loans64.7444%4,627
Noncurrent assets plus other real estate owned to assets1.8567%1,234
Noncurrent loans to loans1.8742%1,345
Net loans and leases to total assets87.3280%175
Net loans and leases to deposits98.6624%738
Net loans and leases to core deposits103.4612%1,224
Total domestic deposits to total assets88.5120%1,408
Equity capital to assets9.2501%4,956
Core capital (leverage) ratio9.0412%4,901
Tier 1 risk-based capital ratio10.6654%5,854
Total risk-based capital ratio11.9082%5,797
Memoranda:
Average total assets$105,936,3304,422
Average earning assets$99,084,0004,392
Average equity$9,247,6704,896
Average total loans$88,510,3303,677
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4678%1,556
Cost of funding earning assets0.2731%4,749
Net interest margin4.1948%1,072
Noninterest income to average assets0.4697%3,505
Noninterest expense to average assets3.0330%2,474
Loan and lease loss provision to assets0.0555%2,825
Net operating income to assets1.2391%1,434
Return on assets (ROA)1.2391%1,520
Pretax return on assets1.3020%2,276
Return on Equity (ROE)14.6033%770
Retained earnings to average equity (ytd only)5.1874%2,955
Net charge-offs to loans-0.0137%4,868
Credit loss provision to net charge-offs-500.0000%4,817
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0817%3,644
Assets per employee ($millions)4.9076%2,482
Cash dividends to net income (ytd only)*64.4776%1,305
Condition Ratios (%)
Loss allowance to loans1.1030%4,502
Loan loss allowance to noncurrent loans70.0646%4,436
Noncurrent assets plus other real estate owned to assets1.3587%1,955
Noncurrent loans to loans1.5743%1,777
Net loans and leases to total assets81.0499%564
Net loans and leases to deposits88.7766%1,533
Net loans and leases to core deposits92.8536%1,869
Total domestic deposits to total assets91.2965%276
Equity capital to assets8.5470%5,707
Core capital (leverage) ratio8.9333%5,034
Tier 1 risk-based capital ratio10.4771%6,020
Total risk-based capital ratio11.5929%6,013
Memoranda:
Average total assets$108,143,0004,407
Average earning assets$101,078,0004,367
Average equity$9,176,0004,945
Average total loans$87,892,0003,706
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5232%1,779
Cost of funding earning assets0.3269%4,527
Net interest margin4.1964%1,311
Noninterest income to average assets0.6470%2,569
Noninterest expense to average assets2.9431%3,020
Loan and lease loss provision to assets0.2515%902
Net operating income to assets1.3482%1,190
Return on assets (ROA)1.3482%1,244
Pretax return on assets1.3637%2,022
Return on Equity (ROE)15.6345%673
Retained earnings to average equity (ytd only)5.9442%1,963
Net charge-offs to loans0.3031%1,457
Credit loss provision to net charge-offs103.5857%2,310
Earnings coverage of net charge-offs (x)6.6534%3,159
Efficiency ratio64.5661%4,489
Assets per employee ($millions)5.1580%2,116
Cash dividends to net income (ytd only)*61.9799%1,655
Condition Ratios (%)
Loss allowance to loans1.0974%4,552
Loan loss allowance to noncurrent loans77.6967%4,281
Noncurrent assets plus other real estate owned to assets1.2168%2,344
Noncurrent loans to loans1.4124%2,078
Net loans and leases to total assets79.7116%774
Net loans and leases to deposits87.2485%1,819
Net loans and leases to core deposits91.2957%2,158
Total domestic deposits to total assets91.3615%255
Equity capital to assets8.4233%5,811
Core capital (leverage) ratio8.8031%5,242
Tier 1 risk-based capital ratio9.8074%6,303
Total risk-based capital ratio10.8462%6,318
Memoranda:
Average total assets$103,394,6004,517
Average earning assets$96,369,0004,498
Average equity$8,916,2004,995
Average total loans$82,798,8003,800
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5351%1,748
Cost of funding earning assets0.3394%4,472
Net interest margin4.1958%1,301
Noninterest income to average assets0.6238%2,721
Noninterest expense to average assets2.9795%2,868
Loan and lease loss provision to assets0.0587%3,194
Net operating income to assets1.4199%1,091
Return on assets (ROA)1.4199%1,130
Pretax return on assets1.4904%1,674
Return on Equity (ROE)16.3649%633
Retained earnings to average equity (ytd only)6.6182%2,032
Net charge-offs to loans0.0800%3,058
Credit loss provision to net charge-offs91.8367%2,399
Earnings coverage of net charge-offs (x)24.2252%1,553
Efficiency ratio65.7925%4,246
Assets per employee ($millions)4.8972%2,383
Cash dividends to net income (ytd only)*59.5590%1,397
Condition Ratios (%)
Loss allowance to loans1.1223%4,651
Loan loss allowance to noncurrent loans62.2530%4,707
Noncurrent assets plus other real estate owned to assets1.6462%1,840
Noncurrent loans to loans1.8028%1,794
Net loans and leases to total assets80.9553%615
Net loans and leases to deposits89.0229%1,550
Net loans and leases to core deposits93.3929%1,925
Total domestic deposits to total assets90.9376%382
Equity capital to assets8.8087%5,539
Core capital (leverage) ratio9.1094%4,920
Tier 1 risk-based capital ratio10.0531%6,332
Total risk-based capital ratio11.0848%6,352
Memoranda:
Average total assets$102,163,7504,593
Average earning assets$95,077,2504,572
Average equity$8,864,2505,045
Average total loans$81,673,5003,853
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4494%1,996
Cost of funding earning assets0.3455%4,474
Net interest margin4.1039%1,497
Noninterest income to average assets0.6298%2,655
Noninterest expense to average assets2.9626%2,958
Loan and lease loss provision to assets0.0589%3,098
Net operating income to assets1.3989%1,063
Return on assets (ROA)1.3989%1,104
Pretax return on assets1.4303%1,782
Return on Equity (ROE)16.2058%638
Retained earnings to average equity (ytd only)6.3868%2,097
Net charge-offs to loans-0.4924%6,511
Credit loss provision to net charge-offs-15.0754%5,089
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.5491%4,273
Assets per employee ($millions)4.7440%2,545
Cash dividends to net income (ytd only)*60.5891%1,503
Condition Ratios (%)
Loss allowance to loans1.4338%3,173
Loan loss allowance to noncurrent loans56.0952%4,940
Noncurrent assets plus other real estate owned to assets2.1852%1,398
Noncurrent loans to loans2.5560%1,213
Net loans and leases to total assets81.2895%542
Net loans and leases to deposits89.4780%1,422
Net loans and leases to core deposits94.0176%1,776
Total domestic deposits to total assets90.8485%456
Equity capital to assets8.9558%5,348
Core capital (leverage) ratio8.6817%5,428
Tier 1 risk-based capital ratio10.2331%6,328
Total risk-based capital ratio11.3023%6,338
Memoranda:
Average total assets$101,937,6704,637
Average earning assets$94,933,3304,616
Average equity$8,799,3305,083
Average total loans$80,831,0003,886
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3404%2,361
Cost of funding earning assets0.3499%4,542
Net interest margin3.9905%1,804
Noninterest income to average assets0.6751%2,320
Noninterest expense to average assets2.9875%2,904
Loan and lease loss provision to assets0.0582%2,949
Net operating income to assets1.3192%1,167
Return on assets (ROA)1.3192%1,212
Pretax return on assets1.3463%1,930
Return on Equity (ROE)15.5642%696
Retained earnings to average equity (ytd only)5.6764%2,702
Net charge-offs to loans-0.0100%5,045
Credit loss provision to net charge-offs-750.0000%5,262
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0212%4,179
Assets per employee ($millions)4.9914%2,260
Cash dividends to net income (ytd only)*63.5294%1,315
Condition Ratios (%)
Loss allowance to loans1.1858%4,703
Loan loss allowance to noncurrent loans62.4434%4,752
Noncurrent assets plus other real estate owned to assets1.5522%2,274
Noncurrent loans to loans1.8990%1,997
Net loans and leases to total assets76.7991%908
Net loans and leases to deposits83.9556%1,821
Net loans and leases to core deposits87.9829%2,099
Total domestic deposits to total assets91.4758%389
Equity capital to assets8.3830%5,759
Core capital (leverage) ratio8.7288%5,345
Tier 1 risk-based capital ratio9.9054%6,500
Total risk-based capital ratio10.9740%6,501
Memoranda:
Average total assets$103,095,0004,648
Average earning assets$96,028,0004,626
Average equity$8,738,0005,122
Average total loans$80,166,0003,928
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4343%2,454
Cost of funding earning assets0.4284%4,333
Net interest margin4.0059%1,932
Noninterest income to average assets0.7277%2,394
Noninterest expense to average assets2.9515%3,194
Loan and lease loss provision to assets0.2526%1,427
Net operating income to assets1.2076%1,533
Return on assets (ROA)1.2076%1,607
Pretax return on assets1.2669%2,284
Return on Equity (ROE)14.3942%872
Retained earnings to average equity (ytd only)4.3889%3,051
Net charge-offs to loans0.2156%2,734
Credit loss provision to net charge-offs156.6265%1,472
Earnings coverage of net charge-offs (x)9.4217%2,505
Efficiency ratio66.0148%4,557
Assets per employee ($millions)4.8272%2,407
Cash dividends to net income (ytd only)*69.5093%1,330
Condition Ratios (%)
Loss allowance to loans1.2033%4,642
Loan loss allowance to noncurrent loans81.8103%4,130
Noncurrent assets plus other real estate owned to assets1.2676%2,879
Noncurrent loans to loans1.4708%2,686
Net loans and leases to total assets76.8632%970
Net loans and leases to deposits84.2792%1,895
Net loans and leases to core deposits88.2602%2,216
Total domestic deposits to total assets91.2006%502
Equity capital to assets8.5715%5,502
Core capital (leverage) ratio8.3802%5,803
Tier 1 risk-based capital ratio10.0617%6,503
Total risk-based capital ratio11.1252%6,511
Memoranda:
Average total assets$102,930,4004,673
Average earning assets$96,182,4004,614
Average equity$8,635,4005,179
Average total loans$76,996,4004,025
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3967%2,606
Cost of funding earning assets0.4388%4,398
Net interest margin3.9579%2,082
Noninterest income to average assets0.7446%2,389
Noninterest expense to average assets2.8906%3,333
Loan and lease loss provision to assets0.0581%3,884
Net operating income to assets1.4311%1,027
Return on assets (ROA)1.4311%1,087
Pretax return on assets1.4969%1,619
Return on Equity (ROE)17.1495%524
Retained earnings to average equity (ytd only)7.1289%1,817
Net charge-offs to loans0.2944%2,063
Credit loss provision to net charge-offs26.6272%3,958
Earnings coverage of net charge-offs (x)7.1301%2,842
Efficiency ratio65.0218%4,643
Assets per employee ($millions)4.9556%2,222
Cash dividends to net income (ytd only)*58.4311%1,527
Condition Ratios (%)
Loss allowance to loans0.9350%5,962
Loan loss allowance to noncurrent loans81.5848%4,012
Noncurrent assets plus other real estate owned to assets0.9993%3,661
Noncurrent loans to loans1.1461%3,515
Net loans and leases to total assets74.4206%1,227
Net loans and leases to deposits81.5611%2,195
Net loans and leases to core deposits85.7314%2,441
Total domestic deposits to total assets91.2451%443
Equity capital to assets8.4550%5,783
Core capital (leverage) ratio8.5312%5,741
Tier 1 risk-based capital ratio10.1429%6,557
Total risk-based capital ratio11.0053%6,630
Memoranda:
Average total assets$103,320,2504,710
Average earning assets$96,615,0004,655
Average equity$8,622,0005,235
Average total loans$76,529,0004,073
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3468%2,772
Cost of funding earning assets0.4547%4,380
Net interest margin3.8921%2,235
Noninterest income to average assets0.8577%1,976
Noninterest expense to average assets2.9533%3,151
Loan and lease loss provision to assets0.0582%3,843
Net operating income to assets1.4378%1,006
Return on assets (ROA)1.4378%1,090
Pretax return on assets1.4999%1,621
Return on Equity (ROE)17.3070%529
Retained earnings to average equity (ytd only)7.2171%1,781
Net charge-offs to loans0.2343%2,318
Credit loss provision to net charge-offs33.7079%3,523
Earnings coverage of net charge-offs (x)9.0225%2,334
Efficiency ratio65.4624%4,639
Assets per employee ($millions)4.8103%2,356
Cash dividends to net income (ytd only)*58.2996%1,550
Condition Ratios (%)
Loss allowance to loans1.0308%5,708
Loan loss allowance to noncurrent loans75.2363%4,205
Noncurrent assets plus other real estate owned to assets1.2661%3,229
Noncurrent loans to loans1.3701%3,261
Net loans and leases to total assets75.6526%1,021
Net loans and leases to deposits83.0060%1,927
Net loans and leases to core deposits87.3854%2,185
Total domestic deposits to total assets91.1411%498
Equity capital to assets8.5807%5,686
Core capital (leverage) ratio8.1913%6,019
Tier 1 risk-based capital ratio10.1265%6,603
Total risk-based capital ratio11.0810%6,652
Memoranda:
Average total assets$103,071,0004,743
Average earning assets$96,760,6704,680
Average equity$8,563,0005,283
Average total loans$75,979,0004,104
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2781%2,989
Cost of funding earning assets0.4676%4,404
Net interest margin3.8105%2,405
Noninterest income to average assets0.7147%2,514
Noninterest expense to average assets2.8665%3,477
Loan and lease loss provision to assets0.0576%3,668
Net operating income to assets1.2988%1,278
Return on assets (ROA)1.2988%1,379
Pretax return on assets1.3603%2,008
Return on Equity (ROE)15.8863%628
Retained earnings to average equity (ytd only)5.7341%2,821
Net charge-offs to loans0.1911%2,268
Credit loss provision to net charge-offs41.6667%2,724
Earnings coverage of net charge-offs (x)10.2500%1,761
Efficiency ratio66.9058%4,504
Assets per employee ($millions)5.1239%2,065
Cash dividends to net income (ytd only)*63.9053%1,230
Condition Ratios (%)
Loss allowance to loans1.0910%5,639
Loan loss allowance to noncurrent loans84.9287%3,791
Noncurrent assets plus other real estate owned to assets1.0483%3,838
Noncurrent loans to loans1.2846%3,631
Net loans and leases to total assets70.2679%1,619
Net loans and leases to deposits76.6654%2,528
Net loans and leases to core deposits80.0943%2,795
Total domestic deposits to total assets91.6553%318
Equity capital to assets7.9460%6,410
Core capital (leverage) ratio8.1399%6,002
Tier 1 risk-based capital ratio9.9322%6,701
Total risk-based capital ratio10.9352%6,717
Memoranda:
Average total assets$104,098,0004,770
Average earning assets$97,519,5004,701
Average equity$8,510,5005,359
Average total loans$75,359,5004,155
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6776%2,683
Cost of funding earning assets0.5926%4,417
Net interest margin4.0850%2,060
Noninterest income to average assets0.6679%2,889
Noninterest expense to average assets2.9721%3,374
Loan and lease loss provision to assets0.1498%3,732
Net operating income to assets1.3058%1,282
Return on assets (ROA)1.3058%1,425
Pretax return on assets1.3638%2,160
Return on Equity (ROE)16.1804%636
Retained earnings to average equity (ytd only)5.8326%2,172
Net charge-offs to loans0.1637%4,068
Credit loss provision to net charge-offs127.0492%2,221
Earnings coverage of net charge-offs (x)12.8361%1,892
Efficiency ratio66.2573%4,451
Assets per employee ($millions)4.5725%2,833
Cash dividends to net income (ytd only)*63.9526%1,600
Condition Ratios (%)
Loss allowance to loans1.1511%5,342
Loan loss allowance to noncurrent loans91.2487%3,568
Noncurrent assets plus other real estate owned to assets1.0766%3,871
Noncurrent loans to loans1.2615%3,725
Net loans and leases to total assets72.9867%1,335
Net loans and leases to deposits80.8397%2,172
Net loans and leases to core deposits84.9004%2,439
Total domestic deposits to total assets90.2858%809
Equity capital to assets8.4209%6,109
Core capital (leverage) ratio8.0622%6,128
Tier 1 risk-based capital ratio10.2116%6,645
Total risk-based capital ratio11.2847%6,660
Memoranda:
Average total assets$103,460,8004,749
Average earning assets$96,694,4004,671
Average equity$8,349,6005,407
Average total loans$74,513,2004,192
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5770%3,296
Cost of funding earning assets0.6231%4,421
Net interest margin3.9539%2,689
Noninterest income to average assets0.6642%2,909
Noninterest expense to average assets2.8131%3,939
Loan and lease loss provision to assets0.0832%4,581
Net operating income to assets1.3976%1,227
Return on assets (ROA)1.3976%1,351
Pretax return on assets1.4629%2,027
Return on Equity (ROE)17.5011%552
Retained earnings to average equity (ytd only)7.1159%2,050
Net charge-offs to loans0.2235%3,378
Credit loss provision to net charge-offs52.0000%4,349
Earnings coverage of net charge-offs (x)9.6642%2,289
Efficiency ratio64.5332%4,708
Assets per employee ($millions)4.8420%2,386
Cash dividends to net income (ytd only)*59.3409%1,295
Condition Ratios (%)
Loss allowance to loans1.0111%6,033
Loan loss allowance to noncurrent loans63.9798%4,481
Noncurrent assets plus other real estate owned to assets1.3995%3,509
Noncurrent loans to loans1.5803%3,420
Net loans and leases to total assets73.3697%1,342
Net loans and leases to deposits81.8868%2,132
Net loans and leases to core deposits86.1885%2,436
Total domestic deposits to total assets89.5988%1,072
Equity capital to assets8.3526%6,383
Core capital (leverage) ratio8.2127%6,128
Tier 1 risk-based capital ratio10.0442%6,789
Total risk-based capital ratio10.9898%6,849
Memoranda:
Average total assets$104,177,2504,769
Average earning assets$97,353,5004,707
Average equity$8,319,2505,466
Average total loans$74,572,5004,239
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5168%3,698
Cost of funding earning assets0.6642%4,331
Net interest margin3.8526%3,123
Noninterest income to average assets0.7028%2,654
Noninterest expense to average assets2.8397%3,867
Loan and lease loss provision to assets0.0667%4,800
Net operating income to assets1.3332%1,351
Return on assets (ROA)1.3332%1,503
Pretax return on assets1.3980%2,203
Return on Equity (ROE)16.9464%641
Retained earnings to average equity (ytd only)6.4881%2,389
Net charge-offs to loans0.2745%2,942
Credit loss provision to net charge-offs34.3137%4,369
Earnings coverage of net charge-offs (x)7.5392%2,459
Efficiency ratio65.9735%4,540
Assets per employee ($millions)4.6967%2,572
Cash dividends to net income (ytd only)*61.7143%1,307
Condition Ratios (%)
Loss allowance to loans1.0118%6,109
Loan loss allowance to noncurrent loans74.0196%4,024
Noncurrent assets plus other real estate owned to assets1.3028%3,819
Noncurrent loans to loans1.3670%3,869
Net loans and leases to total assets74.8872%1,117
Net loans and leases to deposits84.4543%1,797
Net loans and leases to core deposits89.0794%2,089
Total domestic deposits to total assets88.6719%1,726
Equity capital to assets8.4730%6,236
Core capital (leverage) ratio7.8419%6,416
Tier 1 risk-based capital ratio10.1341%6,787
Total risk-based capital ratio11.1004%6,856
Memoranda:
Average total assets$105,009,3304,774
Average earning assets$98,166,6704,710
Average equity$8,261,3305,495
Average total loans$74,308,3304,271
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5549%3,696
Cost of funding earning assets0.6959%4,318
Net interest margin3.8590%3,101
Noninterest income to average assets0.6063%3,189
Noninterest expense to average assets2.7912%4,069
Loan and lease loss provision to assets0.0555%4,712
Net operating income to assets1.2348%1,647
Return on assets (ROA)1.2348%1,824
Pretax return on assets1.3679%2,295
Return on Equity (ROE)16.2659%766
Retained earnings to average equity (ytd only)5.7466%3,114
Net charge-offs to loans0.3992%2,104
Credit loss provision to net charge-offs20.2703%3,771
Earnings coverage of net charge-offs (x)5.2027%2,418
Efficiency ratio66.2281%4,517
Assets per employee ($millions)5.2930%1,894
Cash dividends to net income (ytd only)*64.6707%1,089
Condition Ratios (%)
Loss allowance to loans1.0251%6,163
Loan loss allowance to noncurrent loans192.1914%1,718
Noncurrent assets plus other real estate owned to assets0.5992%5,391
Noncurrent loans to loans0.5334%5,597
Net loans and leases to total assets66.2756%2,420
Net loans and leases to deposits74.1186%3,109
Net loans and leases to core deposits78.5960%3,248
Total domestic deposits to total assets89.4183%1,415
Equity capital to assets7.4266%6,806
Core capital (leverage) ratio7.4920%6,639
Tier 1 risk-based capital ratio9.6900%6,936
Total risk-based capital ratio10.6418%6,979
Memoranda:
Average total assets$108,198,5004,748
Average earning assets$101,166,0004,670
Average equity$8,213,5005,526
Average total loans$74,154,0004,308
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8164%3,732
Cost of funding earning assets0.9022%4,101
Net interest margin3.9142%3,270
Noninterest income to average assets0.5681%3,374
Noninterest expense to average assets3.0946%3,215
Loan and lease loss provision to assets0.0584%5,871
Net operating income to assets1.0137%2,154
Return on assets (ROA)1.0137%2,297
Pretax return on assets1.0662%2,974
Return on Equity (ROE)12.7424%1,219
Retained earnings to average equity (ytd only)2.1767%4,668
Net charge-offs to loans0.1214%5,172
Credit loss provision to net charge-offs68.9655%4,890
Earnings coverage of net charge-offs (x)13.2874%1,551
Efficiency ratio73.3456%3,334
Assets per employee ($millions)5.0116%2,188
Cash dividends to net income (ytd only)*82.9175%710
Condition Ratios (%)
Loss allowance to loans1.1127%5,770
Loan loss allowance to noncurrent loans134.5336%2,364
Noncurrent assets plus other real estate owned to assets0.8048%5,021
Noncurrent loans to loans0.8271%5,033
Net loans and leases to total assets69.4155%2,139
Net loans and leases to deposits78.7825%2,714
Net loans and leases to core deposits82.9247%3,038
Total domestic deposits to total assets88.1104%2,087
Equity capital to assets7.7649%6,708
Core capital (leverage) ratio7.4858%6,656
Tier 1 risk-based capital ratio9.8189%6,892
Total risk-based capital ratio10.8752%6,930
Memoranda:
Average total assets$102,792,8004,828
Average earning assets$95,881,4004,756
Average equity$8,177,4005,519
Average total loans$71,645,4004,427
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7608%4,184
Cost of funding earning assets0.9396%4,118
Net interest margin3.8212%3,761
Noninterest income to average assets0.5520%3,503
Noninterest expense to average assets2.6945%4,748
Loan and lease loss provision to assets0.0587%5,708
Net operating income to assets1.2892%1,404
Return on assets (ROA)1.2892%1,504
Pretax return on assets1.3649%2,066
Return on Equity (ROE)16.1064%665
Retained earnings to average equity (ytd only)5.5427%2,832
Net charge-offs to loans0.1482%4,586
Credit loss provision to net charge-offs56.9620%4,874
Earnings coverage of net charge-offs (x)13.8102%1,585
Efficiency ratio65.4309%4,817
Assets per employee ($millions)4.9426%2,271
Cash dividends to net income (ytd only)*65.5872%1,017
Condition Ratios (%)
Loss allowance to loans1.1282%5,775
Loan loss allowance to noncurrent loans72.6381%3,861
Noncurrent assets plus other real estate owned to assets1.3103%4,185
Noncurrent loans to loans1.5532%3,956
Net loans and leases to total assets68.8116%2,311
Net loans and leases to deposits79.0847%2,799
Net loans and leases to core deposits83.6188%3,111
Total domestic deposits to total assets87.0100%2,653
Equity capital to assets8.1199%6,624
Core capital (leverage) ratio7.9823%6,416
Tier 1 risk-based capital ratio10.3010%6,859
Total risk-based capital ratio11.3755%6,912
Memoranda:
Average total assets$102,180,2504,864
Average earning assets$95,360,2504,809
Average equity$8,178,7505,546
Average total loans$71,087,5004,488
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7046%4,513
Cost of funding earning assets0.9834%4,061
Net interest margin3.7212%4,171
Noninterest income to average assets0.5883%3,205
Noninterest expense to average assets2.8492%4,234
Loan and lease loss provision to assets0.0590%5,572
Net operating income to assets1.0940%1,888
Return on assets (ROA)1.0940%1,978
Pretax return on assets1.1649%2,621
Return on Equity (ROE)13.7357%1,035
Retained earnings to average equity (ytd only)3.0634%4,327
Net charge-offs to loans0.0057%5,797
Credit loss provision to net charge-offs1,500.0000%227
Earnings coverage of net charge-offs (x)311.0000%111
Efficiency ratio69.9517%4,131
Assets per employee ($millions)4.6334%2,637
Cash dividends to net income (ytd only)*77.6978%843
Condition Ratios (%)
Loss allowance to loans1.2144%5,488
Loan loss allowance to noncurrent loans46.5499%5,224
Noncurrent assets plus other real estate owned to assets2.2137%2,960
Noncurrent loans to loans2.6088%2,765
Net loans and leases to total assets73.3181%1,530
Net loans and leases to deposits85.6217%1,837
Net loans and leases to core deposits91.0402%2,249
Total domestic deposits to total assets85.6303%3,537
Equity capital to assets8.4582%6,229
Core capital (leverage) ratio7.6563%6,619
Tier 1 risk-based capital ratio10.2398%6,903
Total risk-based capital ratio11.3951%6,924
Memoranda:
Average total assets$101,642,0004,910
Average earning assets$95,183,6704,839
Average equity$8,095,6705,582
Average total loans$70,704,0004,549
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6696%4,647
Cost of funding earning assets1.0117%4,118
Net interest margin3.6578%4,293
Noninterest income to average assets0.5394%3,585
Noninterest expense to average assets2.7319%4,713
Loan and lease loss provision to assets0.0578%5,278
Net operating income to assets1.1251%1,752
Return on assets (ROA)1.1251%1,795
Pretax return on assets1.1906%2,414
Return on Equity (ROE)14.5482%898
Retained earnings to average equity (ytd only)3.7865%3,905
Net charge-offs to loans-0.0114%6,396
Credit loss provision to net charge-offs-750.0000%6,045
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6350%4,531
Assets per employee ($millions)4.9680%2,212
Cash dividends to net income (ytd only)*73.9726%945
Condition Ratios (%)
Loss allowance to loans1.2203%5,522
Loan loss allowance to noncurrent loans66.2080%4,107
Noncurrent assets plus other real estate owned to assets1.5336%3,946
Noncurrent loans to loans1.8431%3,767
Net loans and leases to total assets67.1913%2,713
Net loans and leases to deposits78.0458%3,052
Net loans and leases to core deposits83.1061%3,292
Total domestic deposits to total assets86.0921%3,473
Equity capital to assets7.7438%6,717
Core capital (leverage) ratio7.4026%6,788
Tier 1 risk-based capital ratio10.8941%6,575
Total risk-based capital ratio12.1440%6,556
Memoranda:
Average total assets$103,812,0004,895
Average earning assets$97,653,0004,795
Average equity$8,028,5005,596
Average total loans$69,947,5004,621
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8752%5,139
Cost of funding earning assets1.2390%4,295
Net interest margin3.6362%4,641
Noninterest income to average assets0.6229%3,325
Noninterest expense to average assets2.7550%4,766
Loan and lease loss provision to assets0.0575%6,563
Net operating income to assets1.1777%1,470
Return on assets (ROA)1.1777%1,542
Pretax return on assets1.2160%2,171
Return on Equity (ROE)15.2622%683
Retained earnings to average equity (ytd only)3.6386%3,317
Net charge-offs to loans0.0793%6,028
Credit loss provision to net charge-offs111.1111%3,954
Earnings coverage of net charge-offs (x)24.6111%857
Efficiency ratio68.3873%4,481
Assets per employee ($millions)4.9188%2,263
Cash dividends to net income (ytd only)*76.1595%986
Condition Ratios (%)
Loss allowance to loans1.2317%5,364
Loan loss allowance to noncurrent loans66.1215%4,086
Noncurrent assets plus other real estate owned to assets1.5306%4,022
Noncurrent loans to loans1.8628%3,738
Net loans and leases to total assets65.9083%3,485
Net loans and leases to deposits77.3575%3,612
Net loans and leases to core deposits82.5903%3,809
Total domestic deposits to total assets85.1997%3,753
Equity capital to assets7.7235%6,734
Core capital (leverage) ratio7.2200%6,898
Tier 1 risk-based capital ratio10.9958%6,328
Total risk-based capital ratio12.2452%6,304
Memoranda:
Average total assets$104,354,6004,862
Average earning assets$97,739,4004,783
Average equity$8,052,6005,698
Average total loans$68,103,0004,745
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8938%5,296
Cost of funding earning assets1.2704%4,437
Net interest margin3.6233%4,759
Noninterest income to average assets0.5913%3,498
Noninterest expense to average assets2.5565%5,485
Loan and lease loss provision to assets0.0765%6,280
Net operating income to assets1.2833%1,368
Return on assets (ROA)1.2833%1,451
Pretax return on assets1.3496%2,033
Return on Equity (ROE)16.6347%632
Retained earnings to average equity (ytd only)5.9303%2,400
Net charge-offs to loans0.0275%6,291
Credit loss provision to net charge-offs428.5714%706
Earnings coverage of net charge-offs (x)79.9122%383
Efficiency ratio64.1920%5,210
Assets per employee ($millions)5.1464%2,003
Cash dividends to net income (ytd only)*64.3498%1,088
Condition Ratios (%)
Loss allowance to loans1.3141%4,877
Loan loss allowance to noncurrent loans71.5205%3,736
Noncurrent assets plus other real estate owned to assets1.5681%4,092
Noncurrent loans to loans1.8374%3,880
Net loans and leases to total assets64.8634%3,936
Net loans and leases to deposits76.6120%4,067
Net loans and leases to core deposits81.9407%4,255
Total domestic deposits to total assets84.6649%3,793
Equity capital to assets8.0494%6,757
Core capital (leverage) ratio7.5491%6,816
Tier 1 risk-based capital ratio11.2915%6,105
Total risk-based capital ratio12.5421%6,101
Memoranda:
Average total assets$104,619,5004,917
Average earning assets$97,918,0004,842
Average equity$8,071,2505,765
Average total loans$67,896,5004,836
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8955%5,410
Cost of funding earning assets1.3086%4,483
Net interest margin3.5869%4,875
Noninterest income to average assets0.5343%3,839
Noninterest expense to average assets2.5707%5,453
Loan and lease loss provision to assets0.1141%5,764
Net operating income to assets1.1523%1,695
Return on assets (ROA)1.1523%1,753
Pretax return on assets1.2112%2,379
Return on Equity (ROE)15.1500%831
Retained earnings to average equity (ytd only)4.3500%3,308
Net charge-offs to loans0.0471%5,727
Credit loss provision to net charge-offs375.0000%968
Earnings coverage of net charge-offs (x)43.5625%676
Efficiency ratio65.9834%4,982
Assets per employee ($millions)5.0441%2,131
Cash dividends to net income (ytd only)*71.2871%997
Condition Ratios (%)
Loss allowance to loans1.3204%4,807
Loan loss allowance to noncurrent loans78.1498%3,472
Noncurrent assets plus other real estate owned to assets1.5672%4,111
Noncurrent loans to loans1.6895%4,155
Net loans and leases to total assets65.7124%3,893
Net loans and leases to deposits77.9282%3,978
Net loans and leases to core deposits83.7189%4,170
Total domestic deposits to total assets84.3243%3,942
Equity capital to assets8.0074%6,750
Core capital (leverage) ratio7.1699%7,090
Tier 1 risk-based capital ratio11.1911%6,048
Total risk-based capital ratio12.4420%6,037
Memoranda:
Average total assets$105,183,6704,939
Average earning assets$98,581,3304,857
Average equity$8,000,0005,801
Average total loans$67,978,3304,863
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7827%5,955
Cost of funding earning assets1.3279%4,633
Net interest margin3.4548%5,357
Noninterest income to average assets0.5776%3,434
Noninterest expense to average assets2.4186%6,018
Loan and lease loss provision to assets0.1118%5,495
Net operating income to assets1.2373%1,436
Return on assets (ROA)1.2373%1,510
Pretax return on assets1.2857%2,090
Return on Equity (ROE)16.6813%636
Retained earnings to average equity (ytd only)5.8284%2,699
Net charge-offs to loans-0.0058%6,825
Credit loss provision to net charge-offs-3,000.0000%6,569
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3789%5,604
Assets per employee ($millions)5.5058%1,665
Cash dividends to net income (ytd only)*65.0602%1,137
Condition Ratios (%)
Loss allowance to loans1.2877%5,004
Loan loss allowance to noncurrent loans70.5977%3,824
Noncurrent assets plus other real estate owned to assets1.6483%4,008
Noncurrent loans to loans1.8239%4,027
Net loans and leases to total assets60.8458%4,962
Net loans and leases to deposits71.3718%5,144
Net loans and leases to core deposits77.0498%5,131
Total domestic deposits to total assets85.2519%3,533
Equity capital to assets7.2542%7,247
Core capital (leverage) ratio6.9203%7,296
Tier 1 risk-based capital ratio10.7032%6,437
Total risk-based capital ratio11.9548%6,425
Memoranda:
Average total assets$107,334,5004,948
Average earning assets$100,612,5004,861
Average equity$7,961,0005,862
Average total loans$68,378,0004,920
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3419%4,976
Cost of funding earning assets1.8287%3,844
Net interest margin3.5132%4,896
Noninterest income to average assets0.4630%4,693
Noninterest expense to average assets2.8113%4,929
Loan and lease loss provision to assets0.0587%6,976
Net operating income to assets0.8193%2,455
Return on assets (ROA)0.8193%2,546
Pretax return on assets0.8859%2,967
Return on Equity (ROE)10.7683%1,484
Retained earnings to average equity (ytd only)-0.3474%5,041
Net charge-offs to loans0.3482%4,488
Credit loss provision to net charge-offs25.8621%6,918
Earnings coverage of net charge-offs (x)4.1595%3,034
Efficiency ratio74.8501%3,736
Assets per employee ($millions)4.9787%2,249
Cash dividends to net income (ytd only)*103.2258%574
Condition Ratios (%)
Loss allowance to loans1.2238%5,218
Loan loss allowance to noncurrent loans43.1644%5,522
Noncurrent assets plus other real estate owned to assets2.5499%2,742
Noncurrent loans to loans2.8353%2,716
Net loans and leases to total assets65.0751%4,360
Net loans and leases to deposits77.0035%4,563
Net loans and leases to core deposits87.4232%5,394
Total domestic deposits to total assets84.5093%3,792
Equity capital to assets7.5885%6,956
Core capital (leverage) ratio6.8782%7,327
Tier 1 risk-based capital ratio10.5191%6,379
Total risk-based capital ratio11.7544%6,371
Memoranda:
Average total assets$102,159,6005,038
Average earning assets$95,752,8004,953
Average equity$7,772,8006,003
Average total loans$66,628,8004,996
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4492%4,692
Cost of funding earning assets1.9027%3,874
Net interest margin3.5465%4,683
Noninterest income to average assets0.4240%5,104
Noninterest expense to average assets2.6768%5,425
Loan and lease loss provision to assets0.0591%6,772
Net operating income to assets0.9360%2,284
Return on assets (ROA)0.9360%2,348
Pretax return on assets1.0161%2,853
Return on Equity (ROE)12.2941%1,289
Retained earnings to average equity (ytd only)1.1207%4,694
Net charge-offs to loans0.0888%5,795
Credit loss provision to net charge-offs102.2727%4,974
Earnings coverage of net charge-offs (x)18.6121%1,341
Efficiency ratio71.3436%4,356
Assets per employee ($millions)5.0820%2,043
Cash dividends to net income (ytd only)*90.8840%723
Condition Ratios (%)
Loss allowance to loans1.4791%3,556
Loan loss allowance to noncurrent loans132.4641%2,147
Noncurrent assets plus other real estate owned to assets0.8977%5,280
Noncurrent loans to loans1.1166%5,082
Net loans and leases to total assets63.4118%4,989
Net loans and leases to deposits74.9579%5,213
Net loans and leases to core deposits84.8643%5,977
Total domestic deposits to total assets84.5966%3,431
Equity capital to assets7.5598%7,252
Core capital (leverage) ratio7.1266%7,335
Tier 1 risk-based capital ratio10.7760%6,190
Total risk-based capital ratio12.0297%6,145
Memoranda:
Average total assets$101,561,2505,078
Average earning assets$95,302,7504,996
Average equity$7,732,5006,074
Average total loans$66,065,7505,064
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6210%3,964
Cost of funding earning assets1.9886%3,829
Net interest margin3.6325%4,236
Noninterest income to average assets0.4167%5,149
Noninterest expense to average assets2.7864%5,016
Loan and lease loss provision to assets0.0601%6,620
Net operating income to assets0.9074%2,431
Return on assets (ROA)0.9074%2,530
Pretax return on assets0.9695%3,114
Return on Equity (ROE)11.8887%1,451
Retained earnings to average equity (ytd only)0.5511%4,978
Net charge-offs to loans0.0092%6,438
Credit loss provision to net charge-offs1,000.0000%481
Earnings coverage of net charge-offs (x)171.3333%242
Efficiency ratio73.0184%4,191
Assets per employee ($millions)4.7729%2,361
Cash dividends to net income (ytd only)*95.3642%792
Condition Ratios (%)
Loss allowance to loans1.5408%2,982
Loan loss allowance to noncurrent loans95.4212%3,016
Noncurrent assets plus other real estate owned to assets1.2352%4,475
Noncurrent loans to loans1.6147%4,074
Net loans and leases to total assets66.4342%4,473
Net loans and leases to deposits79.2731%4,662
Net loans and leases to core deposits88.7424%5,658
Total domestic deposits to total assets83.8043%3,872
Equity capital to assets7.6684%7,114
Core capital (leverage) ratio7.1471%7,411
Tier 1 risk-based capital ratio10.6970%6,188
Total risk-based capital ratio11.9092%6,161
Memoranda:
Average total assets$99,840,6705,167
Average earning assets$93,434,6705,084
Average equity$7,620,6706,140
Average total loans$65,190,6705,134
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6530%4,031
Cost of funding earning assets2.0521%3,860
Net interest margin3.6009%4,309
Noninterest income to average assets0.4456%4,823
Noninterest expense to average assets2.8421%4,371
Loan and lease loss provision to assets0.0602%6,202
Net operating income to assets0.8390%2,956
Return on assets (ROA)0.8390%3,105
Pretax return on assets0.9032%3,700
Return on Equity (ROE)11.0174%1,959
Retained earnings to average equity (ytd only)-0.3690%5,737
Net charge-offs to loans0.0375%4,982
Credit loss provision to net charge-offs250.0000%1,869
Earnings coverage of net charge-offs (x)40.0000%848
Efficiency ratio74.6835%3,706
Assets per employee ($millions)5.1227%1,931
Cash dividends to net income (ytd only)*103.3493%731
Condition Ratios (%)
Loss allowance to loans1.5711%2,643
Loan loss allowance to noncurrent loans76.8769%3,799
Noncurrent assets plus other real estate owned to assets1.4699%3,731
Noncurrent loans to loans2.0436%3,206
Net loans and leases to total assets62.6190%5,220
Net loans and leases to deposits74.9238%5,354
Net loans and leases to core deposits83.0249%6,143
Total domestic deposits to total assets83.5769%3,888
Equity capital to assets7.4483%7,397
Core capital (leverage) ratio7.4617%7,200
Tier 1 risk-based capital ratio11.0044%5,909
Total risk-based capital ratio12.1830%5,870
Memoranda:
Average total assets$99,646,0005,192
Average earning assets$92,976,5005,119
Average equity$7,588,0006,193
Average total loans$63,971,5005,209
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1357%4,860
Cost of funding earning assets2.5498%3,958
Net interest margin3.5858%4,947
Noninterest income to average assets0.5087%4,552
Noninterest expense to average assets2.5427%5,850
Loan and lease loss provision to assets0.0617%6,632
Net operating income to assets1.1706%1,875
Return on assets (ROA)1.1706%1,801
Pretax return on assets1.2446%2,498
Return on Equity (ROE)15.7030%812
Retained earnings to average equity (ytd only)3.4604%2,986
Net charge-offs to loans0.1527%4,676
Credit loss provision to net charge-offs63.1579%6,188
Earnings coverage of net charge-offs (x)13.3789%2,133
Efficiency ratio66.0614%5,114
Assets per employee ($millions)4.8420%2,127
Cash dividends to net income (ytd only)*77.9631%1,804
Condition Ratios (%)
Loss allowance to loans1.6172%2,170
Loan loss allowance to noncurrent loans81.4607%4,070
Noncurrent assets plus other real estate owned to assets1.4664%3,290
Noncurrent loans to loans1.9852%2,786
Net loans and leases to total assets63.7646%5,320
Net loans and leases to deposits78.6872%5,245
Net loans and leases to core deposits85.6495%6,156
Total domestic deposits to total assets81.0355%4,620
Equity capital to assets7.7913%7,104
Core capital (leverage) ratio7.5143%7,192
Tier 1 risk-based capital ratio11.4952%5,243
Total risk-based capital ratio12.7249%5,156
Memoranda:
Average total assets$97,299,8005,130
Average earning assets$90,634,2005,062
Average equity$7,253,4006,365
Average total loans$62,219,8005,172