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Truist Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1546%1,754
Cost of funding earning assets1.9277%1,023
Net interest margin3.2269%2,805
Noninterest income to average assets1.3800%430
Noninterest expense to average assets3.7151%461
Loan and lease loss provision to assets0.3900%250
Net operating income to assets-0.1165%4,435
Return on assets (ROA)-0.1184%4,418
Pretax return on assets0.0636%4,302
Return on Equity (ROE)-1.0600%4,391
Retained earnings to average equity (ytd only)-9.1602%4,456
Net charge-offs to loans0.4941%208
Credit loss provision to net charge-offs131.0302%1,591
Earnings coverage of net charge-offs (x)1.5408%2,752
Efficiency ratio60.1209%3,063
Assets per employee ($millions)10.8852%544
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans1.5303%979
Loan loss allowance to noncurrent loans243.9186%2,294
Noncurrent assets plus other real estate owned to assets0.3988%1,390
Noncurrent loans to loans0.6274%1,256
Net loans and leases to total assets58.4700%2,994
Net loans and leases to deposits75.6836%2,481
Net loans and leases to core deposits84.1426%2,441
Total domestic deposits to total assets77.2500%3,821
Equity capital to assets10.9935%1,483
Core capital (leverage) ratio9.2136%3,512
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3104%2,126
Memoranda:
Average total assets$544,071,600,0007
Average earning assets$469,834,600,0007
Average equity$60,795,400,0005
Average total loans$322,195,200,0007
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0775%1,669
Cost of funding earning assets1.8454%939
Net interest margin3.2321%2,845
Noninterest income to average assets1.3800%431
Noninterest expense to average assets2.4961%2,239
Loan and lease loss provision to assets0.3700%231
Net operating income to assets1.0497%2,220
Return on assets (ROA)1.0443%2,223
Pretax return on assets1.2902%2,068
Return on Equity (ROE)9.3100%2,847
Retained earnings to average equity (ytd only)2.7557%3,568
Net charge-offs to loans0.4681%183
Credit loss provision to net charge-offs134.3284%1,394
Earnings coverage of net charge-offs (x)6.0193%2,320
Efficiency ratio57.7195%3,243
Assets per employee ($millions)10.8186%526
Cash dividends to net income (ytd only)*70.4006%647
Condition Ratios (%)
Loss allowance to loans1.4791%1,166
Loan loss allowance to noncurrent loans223.1794%2,371
Noncurrent assets plus other real estate owned to assets0.4194%1,385
Noncurrent loans to loans0.6627%1,244
Net loans and leases to total assets58.3800%2,997
Net loans and leases to deposits75.8623%2,430
Net loans and leases to core deposits84.1756%2,317
Total domestic deposits to total assets76.9500%3,929
Equity capital to assets11.5157%1,173
Core capital (leverage) ratio9.2803%3,497
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2550%2,184
Memoranda:
Average total assets$548,207,000,0007
Average earning assets$472,953,750,0007
Average equity$61,495,750,0005
Average total loans$324,440,250,0006
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9574%1,633
Cost of funding earning assets1.7061%876
Net interest margin3.2513%2,863
Noninterest income to average assets1.3900%359
Noninterest expense to average assets2.4647%2,305
Loan and lease loss provision to assets0.3800%226
Net operating income to assets1.0913%2,146
Return on assets (ROA)1.0749%2,190
Pretax return on assets1.3369%1,969
Return on Equity (ROE)9.6700%2,799
Retained earnings to average equity (ytd only)2.0534%3,713
Net charge-offs to loans0.4509%193
Credit loss provision to net charge-offs141.2483%1,231
Earnings coverage of net charge-offs (x)6.4885%2,122
Efficiency ratio56.5304%3,352
Assets per employee ($millions)10.9195%520
Cash dividends to net income (ytd only)*78.7542%580
Condition Ratios (%)
Loss allowance to loans1.4214%1,450
Loan loss allowance to noncurrent loans210.5672%2,536
Noncurrent assets plus other real estate owned to assets0.4247%1,258
Noncurrent loans to loans0.6750%1,107
Net loans and leases to total assets58.3900%2,926
Net loans and leases to deposits76.3276%2,279
Net loans and leases to core deposits84.6067%2,171
Total domestic deposits to total assets76.4900%4,003
Equity capital to assets11.5002%1,201
Core capital (leverage) ratio8.8119%3,916
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8317%2,361
Memoranda:
Average total assets$552,609,333,3337
Average earning assets$477,590,000,0007
Average equity$61,458,000,0005
Average total loans$326,915,666,6676
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7623%1,714
Cost of funding earning assets1.4295%972
Net interest margin3.3328%2,789
Noninterest income to average assets1.3500%372
Noninterest expense to average assets2.4315%2,437
Loan and lease loss provision to assets0.3600%227
Net operating income to assets1.1407%2,098
Return on assets (ROA)1.1297%2,094
Pretax return on assets1.4221%1,829
Return on Equity (ROE)10.3300%2,688
Retained earnings to average equity (ytd only)0.8231%3,893
Net charge-offs to loans0.3617%218
Credit loss provision to net charge-offs158.9226%920
Earnings coverage of net charge-offs (x)8.4040%1,722
Efficiency ratio55.2699%3,481
Assets per employee ($millions)11.0501%501
Cash dividends to net income (ytd only)*92.0331%507
Condition Ratios (%)
Loss allowance to loans1.3570%1,782
Loan loss allowance to noncurrent loans175.2448%2,799
Noncurrent assets plus other real estate owned to assets0.4713%1,079
Noncurrent loans to loans0.7744%994
Net loans and leases to total assets57.5800%2,903
Net loans and leases to deposits78.0169%1,971
Net loans and leases to core deposits84.4390%1,959
Total domestic deposits to total assets73.8000%4,291
Equity capital to assets10.9014%1,375
Core capital (leverage) ratio8.5124%4,142
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2512%2,649
Memoranda:
Average total assets$555,532,500,0006
Average earning assets$480,444,000,0007
Average equity$60,747,500,0005
Average total loans$328,456,000,0006
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5644%2,904
Cost of funding earning assets0.4114%2,001
Net interest margin3.1530%3,011
Noninterest income to average assets1.3800%378
Noninterest expense to average assets2.5080%2,088
Loan and lease loss provision to assets0.1500%793
Net operating income to assets1.1817%1,855
Return on assets (ROA)1.1570%1,882
Pretax return on assets1.4189%1,716
Return on Equity (ROE)10.3000%2,715
Retained earnings to average equity (ytd only)2.3034%3,919
Net charge-offs to loans0.2703%290
Credit loss provision to net charge-offs92.9526%1,615
Earnings coverage of net charge-offs (x)10.3524%2,191
Efficiency ratio58.6188%3,248
Assets per employee ($millions)10.6212%557
Cash dividends to net income (ytd only)*77.6322%485
Condition Ratios (%)
Loss allowance to loans1.3361%1,736
Loan loss allowance to noncurrent loans156.5342%2,919
Noncurrent assets plus other real estate owned to assets0.5309%944
Noncurrent loans to loans0.8535%875
Net loans and leases to total assets59.1100%2,719
Net loans and leases to deposits76.0055%2,095
Net loans and leases to core deposits81.5161%2,039
Total domestic deposits to total assets77.7600%4,114
Equity capital to assets10.9698%1,268
Core capital (leverage) ratio8.5327%4,106
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0850%2,710
Memoranda:
Average total assets$534,410,400,0007
Average earning assets$461,877,400,0007
Average equity$60,041,200,0005
Average total loans$304,516,000,0007
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1267%3,609
Cost of funding earning assets0.2310%2,917
Net interest margin2.8958%3,510
Noninterest income to average assets1.4000%380
Noninterest expense to average assets2.4844%2,060
Loan and lease loss provision to assets0.0500%1,750
Net operating income to assets1.1131%2,039
Return on assets (ROA)1.0765%2,143
Pretax return on assets1.3266%1,961
Return on Equity (ROE)9.5200%2,868
Retained earnings to average equity (ytd only)4.6410%3,222
Net charge-offs to loans0.1713%387
Credit loss provision to net charge-offs53.9063%1,514
Earnings coverage of net charge-offs (x)14.7500%1,856
Efficiency ratio60.9880%2,979
Assets per employee ($millions)10.8411%519
Cash dividends to net income (ytd only)*51.2701%1,147
Condition Ratios (%)
Loss allowance to loans1.1148%2,946
Loan loss allowance to noncurrent loans125.5335%3,194
Noncurrent assets plus other real estate owned to assets0.5457%984
Noncurrent loans to loans0.8880%885
Net loans and leases to total assets57.6400%2,745
Net loans and leases to deposits72.1078%2,193
Net loans and leases to core deposits76.2955%2,173
Total domestic deposits to total assets79.9300%4,105
Equity capital to assets10.5902%1,339
Core capital (leverage) ratio7.9490%4,411
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.3468%2,977
Memoranda:
Average total assets$531,456,000,0007
Average earning assets$459,510,250,0007
Average equity$60,071,500,0005
Average total loans$298,839,250,0007
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8811%3,829
Cost of funding earning assets0.1306%3,832
Net interest margin2.7505%3,574
Noninterest income to average assets1.4257%359
Noninterest expense to average assets2.4929%1,951
Loan and lease loss provision to assets0.0117%2,386
Net operating income to assets1.0538%1,958
Return on assets (ROA)1.0088%2,091
Pretax return on assets1.2474%1,906
Return on Equity (ROE)8.7396%2,781
Retained earnings to average equity (ytd only)2.3711%3,651
Net charge-offs to loans0.1588%402
Credit loss provision to net charge-offs18.8034%1,607
Earnings coverage of net charge-offs (x)14.9017%1,644
Efficiency ratio62.7822%2,947
Assets per employee ($millions)11.0652%480
Cash dividends to net income (ytd only)*72.8700%753
Condition Ratios (%)
Loss allowance to loans1.1399%2,986
Loan loss allowance to noncurrent loans123.8095%3,200
Noncurrent assets plus other real estate owned to assets0.5589%1,019
Noncurrent loans to loans0.9207%908
Net loans and leases to total assets56.3628%2,713
Net loans and leases to deposits68.8712%2,312
Net loans and leases to core deposits72.8680%2,249
Total domestic deposits to total assets81.8379%4,026
Equity capital to assets10.9444%1,237
Core capital (leverage) ratio7.8833%4,392
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.3952%2,947
Memoranda:
Average total assets$530,546,333,3337
Average earning assets$459,409,666,6677
Average equity$61,238,333,3335
Average total loans$294,666,666,6677
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7446%3,853
Cost of funding earning assets0.0958%4,189
Net interest margin2.6489%3,525
Noninterest income to average assets1.4293%374
Noninterest expense to average assets2.5346%1,797
Loan and lease loss provision to assets-0.0853%4,575
Net operating income to assets1.0369%1,737
Return on assets (ROA)0.9664%2,008
Pretax return on assets1.1907%1,838
Return on Equity (ROE)8.1605%2,621
Retained earnings to average equity (ytd only)2.4227%3,429
Net charge-offs to loans0.1543%380
Credit loss provision to net charge-offs-95.5357%2,872
Earnings coverage of net charge-offs (x)14.0982%1,375
Efficiency ratio65.3160%2,856
Assets per employee ($millions)11.0798%496
Cash dividends to net income (ytd only)*70.3125%849
Condition Ratios (%)
Loss allowance to loans1.1809%2,955
Loan loss allowance to noncurrent loans118.9799%3,200
Noncurrent assets plus other real estate owned to assets0.5760%1,029
Noncurrent loans to loans0.9925%913
Net loans and leases to total assets54.0355%2,754
Net loans and leases to deposits65.3300%2,403
Net loans and leases to core deposits68.4855%2,414
Total domestic deposits to total assets82.7116%3,979
Equity capital to assets11.3938%1,164
Core capital (leverage) ratio7.8992%4,367
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7449%2,944
Memoranda:
Average total assets$529,779,500,0007
Average earning assets$459,513,000,0007
Average equity$62,741,000,0005
Average total loans$290,323,500,0007
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8807%4,089
Cost of funding earning assets0.1076%4,331
Net interest margin2.7731%3,726
Noninterest income to average assets1.4272%552
Noninterest expense to average assets2.6923%1,654
Loan and lease loss provision to assets-0.1790%4,665
Net operating income to assets1.0726%2,400
Return on assets (ROA)1.0873%2,416
Pretax return on assets1.3471%2,212
Return on Equity (ROE)8.6220%3,042
Retained earnings to average equity (ytd only)2.1969%3,922
Net charge-offs to loans0.1669%576
Credit loss provision to net charge-offs-167.2840%3,473
Earnings coverage of net charge-offs (x)12.1214%2,126
Efficiency ratio67.2324%2,093
Assets per employee ($millions)10.9864%511
Cash dividends to net income (ytd only)*74.5197%611
Condition Ratios (%)
Loss allowance to loans1.2564%2,593
Loan loss allowance to noncurrent loans124.5986%3,177
Noncurrent assets plus other real estate owned to assets0.5655%1,170
Noncurrent loans to loans1.0084%977
Net loans and leases to total assets54.2309%2,818
Net loans and leases to deposits66.9452%2,414
Net loans and leases to core deposits68.6678%2,590
Total domestic deposits to total assets81.0079%4,105
Equity capital to assets12.2941%1,131
Core capital (leverage) ratio8.0307%4,341
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9864%2,894
Memoranda:
Average total assets$512,201,200,0007
Average earning assets$446,099,600,0007
Average equity$64,590,800,0005
Average total loans$291,131,600,0007
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9095%4,157
Cost of funding earning assets0.1132%4,401
Net interest margin2.7963%3,790
Noninterest income to average assets1.4350%588
Noninterest expense to average assets2.7365%1,490
Loan and lease loss provision to assets-0.2081%4,760
Net operating income to assets1.0780%2,633
Return on assets (ROA)1.0989%2,618
Pretax return on assets1.3695%2,438
Return on Equity (ROE)8.6579%3,212
Retained earnings to average equity (ytd only)1.9391%4,203
Net charge-offs to loans0.1675%508
Credit loss provision to net charge-offs-192.8962%3,380
Earnings coverage of net charge-offs (x)11.8224%1,980
Efficiency ratio67.8368%1,858
Assets per employee ($millions)10.4709%560
Cash dividends to net income (ytd only)*77.6027%429
Condition Ratios (%)
Loss allowance to loans1.3515%2,216
Loan loss allowance to noncurrent loans131.6111%3,084
Noncurrent assets plus other real estate owned to assets0.5794%1,324
Noncurrent loans to loans1.0269%1,111
Net loans and leases to total assets54.6874%2,883
Net loans and leases to deposits67.2768%2,513
Net loans and leases to core deposits69.1667%2,667
Total domestic deposits to total assets81.2871%4,051
Equity capital to assets12.4722%1,186
Core capital (leverage) ratio8.3613%4,162
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6083%2,827
Memoranda:
Average total assets$508,123,000,0006
Average earning assets$442,810,750,0006
Average equity$64,494,500,0005
Average total loans$291,348,250,0006
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9402%4,159
Cost of funding earning assets0.1178%4,455
Net interest margin2.8225%3,743
Noninterest income to average assets1.4235%597
Noninterest expense to average assets2.7591%1,445
Loan and lease loss provision to assets-0.1805%4,740
Net operating income to assets1.0493%2,726
Return on assets (ROA)1.0720%2,717
Pretax return on assets1.3297%2,553
Return on Equity (ROE)8.3959%3,283
Retained earnings to average equity (ytd only)1.1099%4,320
Net charge-offs to loans0.1884%452
Credit loss provision to net charge-offs-147.4638%3,130
Earnings coverage of net charge-offs (x)10.2645%1,807
Efficiency ratio68.2750%1,847
Assets per employee ($millions)10.4391%534
Cash dividends to net income (ytd only)*86.7799%394
Condition Ratios (%)
Loss allowance to loans1.4940%1,607
Loan loss allowance to noncurrent loans135.4531%2,997
Noncurrent assets plus other real estate owned to assets0.6316%1,313
Noncurrent loans to loans1.1030%1,097
Net loans and leases to total assets55.0432%3,011
Net loans and leases to deposits68.0614%2,613
Net loans and leases to core deposits69.9866%2,784
Total domestic deposits to total assets80.8728%4,107
Equity capital to assets12.5990%1,089
Core capital (leverage) ratio8.5169%3,960
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9887%2,725
Memoranda:
Average total assets$505,236,333,3336
Average earning assets$439,827,666,6676
Average equity$64,508,000,0005
Average total loans$292,968,666,6676
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9785%4,133
Cost of funding earning assets0.1235%4,506
Net interest margin2.8550%3,627
Noninterest income to average assets1.4004%678
Noninterest expense to average assets2.6115%1,856
Loan and lease loss provision to assets-0.0159%4,595
Net operating income to assets1.0365%2,689
Return on assets (ROA)1.0535%2,705
Pretax return on assets1.3089%2,547
Return on Equity (ROE)8.1961%3,269
Retained earnings to average equity (ytd only)2.0057%4,003
Net charge-offs to loans0.2304%370
Credit loss provision to net charge-offs-2.9240%2,682
Earnings coverage of net charge-offs (x)9.3509%1,544
Efficiency ratio64.3721%2,424
Assets per employee ($millions)10.1732%564
Cash dividends to net income (ytd only)*75.5287%645
Condition Ratios (%)
Loss allowance to loans1.6276%1,223
Loan loss allowance to noncurrent loans146.4494%2,810
Noncurrent assets plus other real estate owned to assets0.6547%1,448
Noncurrent loans to loans1.1114%1,206
Net loans and leases to total assets56.8504%2,935
Net loans and leases to deposits70.2156%2,485
Net loans and leases to core deposits72.3587%2,667
Total domestic deposits to total assets80.9655%4,068
Equity capital to assets12.5774%1,054
Core capital (leverage) ratio8.6977%3,918
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1762%2,597
Memoranda:
Average total assets$502,707,500,0006
Average earning assets$437,273,500,0006
Average equity$64,616,000,0005
Average total loans$296,882,000,0006
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4764%4,070
Cost of funding earning assets0.3223%4,015
Net interest margin3.1541%3,483
Noninterest income to average assets1.4167%592
Noninterest expense to average assets2.7791%2,001
Loan and lease loss provision to assets0.4218%706
Net operating income to assets0.7745%3,189
Return on assets (ROA)0.8468%3,047
Pretax return on assets1.0327%2,936
Return on Equity (ROE)6.3826%3,452
Retained earnings to average equity (ytd only)2.0533%3,805
Net charge-offs to loans0.2887%596
Credit loss provision to net charge-offs229.9776%2,018
Earnings coverage of net charge-offs (x)7.4474%2,696
Efficiency ratio63.7021%2,866
Assets per employee ($millions)9.9320%547
Cash dividends to net income (ytd only)*67.8295%1,046
Condition Ratios (%)
Loss allowance to loans1.6408%1,191
Loan loss allowance to noncurrent loans150.4721%2,796
Noncurrent assets plus other real estate owned to assets0.6714%1,557
Noncurrent loans to loans1.0904%1,298
Net loans and leases to total assets59.3511%2,942
Net loans and leases to deposits74.8214%2,395
Net loans and leases to core deposits77.4876%2,596
Total domestic deposits to total assets79.3237%4,161
Equity capital to assets13.1339%1,049
Core capital (leverage) ratio8.7007%4,006
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0007%2,624
Memoranda:
Average total assets$487,458,800,0006
Average earning assets$421,648,000,0006
Average equity$64,675,800,0005
Average total loans$309,627,800,0006
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5919%4,026
Cost of funding earning assets0.3824%3,906
Net interest margin3.2095%3,462
Noninterest income to average assets1.4065%568
Noninterest expense to average assets2.7586%2,097
Loan and lease loss provision to assets0.5329%527
Net operating income to assets0.7313%3,350
Return on assets (ROA)0.8216%3,134
Pretax return on assets0.9990%3,073
Return on Equity (ROE)6.1761%3,489
Retained earnings to average equity (ytd only)1.8326%3,990
Net charge-offs to loans0.3160%502
Credit loss provision to net charge-offs262.1110%1,884
Earnings coverage of net charge-offs (x)6.9905%2,610
Efficiency ratio62.6843%2,957
Assets per employee ($millions)9.4812%604
Cash dividends to net income (ytd only)*70.3282%812
Condition Ratios (%)
Loss allowance to loans1.6167%1,052
Loan loss allowance to noncurrent loans208.2077%2,140
Noncurrent assets plus other real estate owned to assets0.4965%2,219
Noncurrent loans to loans0.7765%1,874
Net loans and leases to total assets62.0012%3,012
Net loans and leases to deposits78.4986%2,479
Net loans and leases to core deposits81.5472%2,695
Total domestic deposits to total assets78.9839%4,062
Equity capital to assets13.2528%1,080
Core capital (leverage) ratio8.7402%4,023
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0647%2,590
Memoranda:
Average total assets$484,587,500,0006
Average earning assets$418,749,750,0006
Average equity$64,462,000,0005
Average total loans$311,767,500,0006
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7746%3,935
Cost of funding earning assets0.4850%3,628
Net interest margin3.2896%3,410
Noninterest income to average assets1.4248%519
Noninterest expense to average assets2.7610%2,182
Loan and lease loss provision to assets0.6156%513
Net operating income to assets0.7314%3,275
Return on assets (ROA)0.8195%3,093
Pretax return on assets0.9920%3,058
Return on Equity (ROE)6.1531%3,455
Retained earnings to average equity (ytd only)1.8046%3,832
Net charge-offs to loans0.2861%557
Credit loss provision to net charge-offs332.1429%1,551
Earnings coverage of net charge-offs (x)8.0982%2,319
Efficiency ratio61.5220%3,199
Assets per employee ($millions)9.4781%589
Cash dividends to net income (ytd only)*70.6714%921
Condition Ratios (%)
Loss allowance to loans1.5203%1,207
Loan loss allowance to noncurrent loans218.8267%2,003
Noncurrent assets plus other real estate owned to assets0.4563%2,493
Noncurrent loans to loans0.6947%2,136
Net loans and leases to total assets63.0985%2,992
Net loans and leases to deposits79.6752%2,466
Net loans and leases to core deposits83.1212%2,679
Total domestic deposits to total assets79.1947%4,005
Equity capital to assets13.0885%1,131
Core capital (leverage) ratio8.3701%4,504
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7149%2,726
Memoranda:
Average total assets$483,444,666,6676
Average earning assets$416,945,333,3336
Average equity$64,390,666,6675
Average total loans$313,174,000,0006
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0782%3,580
Cost of funding earning assets0.6330%3,252
Net interest margin3.4452%3,163
Noninterest income to average assets1.4271%440
Noninterest expense to average assets2.5932%2,999
Loan and lease loss provision to assets0.6190%442
Net operating income to assets0.9731%2,270
Return on assets (ROA)0.9469%2,459
Pretax return on assets1.1477%2,367
Return on Equity (ROE)7.0466%2,927
Retained earnings to average equity (ytd only)2.6892%3,200
Net charge-offs to loans0.2401%595
Credit loss provision to net charge-offs395.7219%1,017
Earnings coverage of net charge-offs (x)11.4920%1,730
Efficiency ratio55.9916%4,209
Assets per employee ($millions)9.3772%464
Cash dividends to net income (ytd only)*61.8375%1,350
Condition Ratios (%)
Loss allowance to loans1.3530%1,896
Loan loss allowance to noncurrent loans157.8736%2,454
Noncurrent assets plus other real estate owned to assets0.5694%2,291
Noncurrent loans to loans0.8570%1,900
Net loans and leases to total assets63.6343%3,108
Net loans and leases to deposits86.8285%1,897
Net loans and leases to core deposits92.5377%2,108
Total domestic deposits to total assets73.2873%4,702
Equity capital to assets13.0248%1,417
Core capital (leverage) ratio8.9594%4,496
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2383%3,027
Memoranda:
Average total assets$478,167,500,0006
Average earning assets$411,354,500,0006
Average equity$64,257,500,0005
Average total loans$311,502,000,0006
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6670%4,717
Cost of funding earning assets0.7121%3,105
Net interest margin2.9549%4,568
Noninterest income to average assets1.7689%313
Noninterest expense to average assets2.6125%3,144
Loan and lease loss provision to assets0.1208%1,756
Net operating income to assets1.2845%1,752
Return on assets (ROA)1.2516%1,952
Pretax return on assets1.5490%1,658
Return on Equity (ROE)9.3880%2,573
Retained earnings to average equity (ytd only)4.8146%2,527
Net charge-offs to loans0.1896%1,071
Credit loss provision to net charge-offs97.3214%2,547
Earnings coverage of net charge-offs (x)13.7679%2,329
Efficiency ratio59.0800%3,829
Assets per employee ($millions)8.6329%568
Cash dividends to net income (ytd only)*48.7157%2,141
Condition Ratios (%)
Loss allowance to loans0.4206%4,973
Loan loss allowance to noncurrent loans51.5335%4,068
Noncurrent assets plus other real estate owned to assets0.5576%2,218
Noncurrent loans to loans0.8161%1,874
Net loans and leases to total assets65.5528%3,012
Net loans and leases to deposits87.0223%1,968
Net loans and leases to core deposits92.0036%2,235
Total domestic deposits to total assets75.3287%4,671
Equity capital to assets13.8821%1,145
Core capital (leverage) ratio14.4538%813
Tier 1 risk-based capital ratio10.5645%5,004
Total risk-based capital ratio11.9949%4,856
Memoranda:
Average total assets$270,618,400,00010
Average earning assets$233,817,800,00010
Average equity$36,078,000,0009
Average total loans$177,180,200,0007
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1261%4,098
Cost of funding earning assets0.8214%2,610
Net interest margin3.3048%4,084
Noninterest income to average assets2.0775%247
Noninterest expense to average assets2.8620%2,369
Loan and lease loss provision to assets0.1459%1,308
Net operating income to assets1.5516%1,057
Return on assets (ROA)1.5482%1,121
Pretax return on assets1.9321%801
Return on Equity (ROE)11.8665%1,666
Retained earnings to average equity (ytd only)6.1372%2,310
Net charge-offs to loans0.2098%841
Credit loss provision to net charge-offs106.5502%2,141
Earnings coverage of net charge-offs (x)15.1965%2,203
Efficiency ratio56.8110%4,084
Assets per employee ($millions)7.1183%982
Cash dividends to net income (ytd only)*48.2812%1,767
Condition Ratios (%)
Loss allowance to loans0.8966%4,057
Loan loss allowance to noncurrent loans167.2237%2,408
Noncurrent assets plus other real estate owned to assets0.3584%3,067
Noncurrent loans to loans0.5362%2,680
Net loans and leases to total assets62.5527%3,436
Net loans and leases to deposits83.0192%2,564
Net loans and leases to core deposits86.8143%2,836
Total domestic deposits to total assets74.9515%4,752
Equity capital to assets13.1026%1,566
Core capital (leverage) ratio9.7321%3,930
Tier 1 risk-based capital ratio11.6182%4,610
Total risk-based capital ratio13.9507%3,899
Memoranda:
Average total assets$222,959,000,00011
Average earning assets$193,331,500,00012
Average equity$29,089,500,0009
Average total loans$145,564,500,00010
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1586%4,025
Cost of funding earning assets0.8190%2,558
Net interest margin3.3397%4,046
Noninterest income to average assets2.1083%245
Noninterest expense to average assets2.8498%2,416
Loan and lease loss provision to assets0.1713%1,064
Net operating income to assets1.5944%922
Return on assets (ROA)1.5790%990
Pretax return on assets1.9633%733
Return on Equity (ROE)12.1201%1,531
Retained earnings to average equity (ytd only)6.2062%2,187
Net charge-offs to loans0.2086%794
Credit loss provision to net charge-offs124.3421%1,700
Earnings coverage of net charge-offs (x)15.6250%1,975
Efficiency ratio55.8434%4,264
Assets per employee ($millions)6.9009%1,050
Cash dividends to net income (ytd only)*48.7945%1,861
Condition Ratios (%)
Loss allowance to loans0.8927%4,124
Loan loss allowance to noncurrent loans165.1685%2,472
Noncurrent assets plus other real estate owned to assets0.3873%2,947
Noncurrent loans to loans0.5405%2,653
Net loans and leases to total assets65.8423%3,132
Net loans and leases to deposits87.2156%2,100
Net loans and leases to core deposits89.9479%2,607
Total domestic deposits to total assets75.4938%4,726
Equity capital to assets13.2429%1,474
Core capital (leverage) ratio9.6547%3,974
Tier 1 risk-based capital ratio11.3196%4,782
Total risk-based capital ratio13.2560%4,301
Memoranda:
Average total assets$220,650,000,00012
Average earning assets$191,216,000,00012
Average equity$28,745,666,6709
Average total loans$145,719,000,00010
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1564%3,985
Cost of funding earning assets0.7905%2,589
Net interest margin3.3659%3,991
Noninterest income to average assets1.9961%249
Noninterest expense to average assets2.8510%2,413
Loan and lease loss provision to assets0.1349%1,288
Net operating income to assets1.5768%941
Return on assets (ROA)1.5513%1,033
Pretax return on assets1.8994%800
Return on Equity (ROE)12.0083%1,525
Retained earnings to average equity (ytd only)5.3057%2,774
Net charge-offs to loans0.1966%711
Credit loss provision to net charge-offs104.2254%1,536
Earnings coverage of net charge-offs (x)15.9437%1,721
Efficiency ratio56.8620%4,228
Assets per employee ($millions)6.6847%1,152
Cash dividends to net income (ytd only)*55.8167%1,471
Condition Ratios (%)
Loss allowance to loans0.8926%4,189
Loan loss allowance to noncurrent loans145.6497%2,721
Noncurrent assets plus other real estate owned to assets0.4268%2,879
Noncurrent loans to loans0.6129%2,501
Net loans and leases to total assets65.1135%3,160
Net loans and leases to deposits85.0296%2,250
Net loans and leases to core deposits87.8092%2,708
Total domestic deposits to total assets76.5775%4,699
Equity capital to assets13.0486%1,427
Core capital (leverage) ratio9.4903%4,143
Tier 1 risk-based capital ratio11.2721%4,854
Total risk-based capital ratio13.2386%4,355
Memoranda:
Average total assets$219,432,000,00012
Average earning assets$190,263,000,00012
Average equity$28,347,000,00010
Average total loans$144,474,500,00010
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9322%4,207
Cost of funding earning assets0.6011%2,710
Net interest margin3.3311%4,176
Noninterest income to average assets2.0170%268
Noninterest expense to average assets2.8958%2,364
Loan and lease loss provision to assets0.1450%1,479
Net operating income to assets1.5018%1,117
Return on assets (ROA)1.4929%1,125
Pretax return on assets1.8591%796
Return on Equity (ROE)11.5764%1,874
Retained earnings to average equity (ytd only)1.4609%4,550
Net charge-offs to loans0.1732%1,116
Credit loss provision to net charge-offs127.6423%2,066
Earnings coverage of net charge-offs (x)17.7195%2,173
Efficiency ratio57.7987%4,182
Assets per employee ($millions)6.5588%1,190
Cash dividends to net income (ytd only)*87.3801%502
Condition Ratios (%)
Loss allowance to loans0.8897%4,209
Loan loss allowance to noncurrent loans141.3187%2,817
Noncurrent assets plus other real estate owned to assets0.4373%2,814
Noncurrent loans to loans0.6296%2,406
Net loans and leases to total assets65.3939%3,211
Net loans and leases to deposits85.0005%2,404
Net loans and leases to core deposits88.8726%2,667
Total domestic deposits to total assets76.9335%4,640
Equity capital to assets12.7876%1,446
Core capital (leverage) ratio9.3436%4,307
Tier 1 risk-based capital ratio11.1838%4,871
Total risk-based capital ratio13.1707%4,367
Memoranda:
Average total assets$216,557,600,00011
Average earning assets$187,987,600,00012
Average equity$27,927,400,00010
Average total loans$142,002,200,00010
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8751%4,268
Cost of funding earning assets0.5597%2,794
Net interest margin3.3154%4,244
Noninterest income to average assets2.0136%272
Noninterest expense to average assets2.8867%2,345
Loan and lease loss provision to assets0.1408%1,418
Net operating income to assets1.5013%1,186
Return on assets (ROA)1.5029%1,179
Pretax return on assets1.8685%862
Return on Equity (ROE)11.6293%1,943
Retained earnings to average equity (ytd only)2.7903%4,319
Net charge-offs to loans0.1698%975
Credit loss provision to net charge-offs126.6667%1,930
Earnings coverage of net charge-offs (x)18.0444%2,075
Efficiency ratio57.8064%4,153
Assets per employee ($millions)6.3943%1,237
Cash dividends to net income (ytd only)*76.0066%671
Condition Ratios (%)
Loss allowance to loans0.8880%4,310
Loan loss allowance to noncurrent loans140.1993%2,881
Noncurrent assets plus other real estate owned to assets0.4483%2,892
Noncurrent loans to loans0.6334%2,498
Net loans and leases to total assets65.3772%3,264
Net loans and leases to deposits87.7939%2,177
Net loans and leases to core deposits89.2902%2,723
Total domestic deposits to total assets74.4666%4,940
Equity capital to assets12.9862%1,349
Core capital (leverage) ratio9.4839%4,195
Tier 1 risk-based capital ratio11.3616%4,867
Total risk-based capital ratio13.3615%4,332
Memoranda:
Average total assets$215,929,250,00011
Average earning assets$187,484,000,00012
Average equity$27,905,750,00010
Average total loans$141,366,500,00010
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8049%4,338
Cost of funding earning assets0.5218%2,823
Net interest margin3.2831%4,298
Noninterest income to average assets2.0142%271
Noninterest expense to average assets2.8574%2,475
Loan and lease loss provision to assets0.1473%1,291
Net operating income to assets1.5014%1,164
Return on assets (ROA)1.4898%1,183
Pretax return on assets1.8475%878
Return on Equity (ROE)11.5467%1,890
Retained earnings to average equity (ytd only)2.5707%4,232
Net charge-offs to loans0.1688%922
Credit loss provision to net charge-offs133.6134%1,691
Earnings coverage of net charge-offs (x)18.2101%1,912
Efficiency ratio57.5509%4,300
Assets per employee ($millions)6.4847%1,181
Cash dividends to net income (ytd only)*77.7363%754
Condition Ratios (%)
Loss allowance to loans0.8798%4,422
Loan loss allowance to noncurrent loans134.9785%2,943
Noncurrent assets plus other real estate owned to assets0.4596%2,895
Noncurrent loans to loans0.6518%2,480
Net loans and leases to total assets65.4668%3,215
Net loans and leases to deposits85.0169%2,430
Net loans and leases to core deposits87.7051%2,748
Total domestic deposits to total assets77.0045%4,735
Equity capital to assets12.9105%1,338
Core capital (leverage) ratio9.5466%4,070
Tier 1 risk-based capital ratio11.3626%4,862
Total risk-based capital ratio13.3494%4,316
Memoranda:
Average total assets$215,862,666,67011
Average earning assets$187,442,333,33012
Average equity$27,852,000,00010
Average total loans$140,967,000,00010
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7404%4,380
Cost of funding earning assets0.4833%2,924
Net interest margin3.2571%4,296
Noninterest income to average assets1.9912%275
Noninterest expense to average assets2.8338%2,591
Loan and lease loss provision to assets0.1392%1,356
Net operating income to assets1.4933%1,096
Return on assets (ROA)1.4772%1,131
Pretax return on assets1.8261%865
Return on Equity (ROE)11.4522%1,788
Retained earnings to average equity (ytd only)2.8199%4,063
Net charge-offs to loans0.1915%770
Credit loss provision to net charge-offs111.9403%1,440
Earnings coverage of net charge-offs (x)15.9552%1,646
Efficiency ratio57.5886%4,402
Assets per employee ($millions)6.4177%1,247
Cash dividends to net income (ytd only)*75.3769%910
Condition Ratios (%)
Loss allowance to loans0.8781%4,541
Loan loss allowance to noncurrent loans119.6098%3,133
Noncurrent assets plus other real estate owned to assets0.5051%2,844
Noncurrent loans to loans0.7341%2,373
Net loans and leases to total assets64.3685%3,262
Net loans and leases to deposits83.8996%2,397
Net loans and leases to core deposits86.3516%2,772
Total domestic deposits to total assets76.7208%4,895
Equity capital to assets12.9328%1,282
Core capital (leverage) ratio9.4289%4,147
Tier 1 risk-based capital ratio11.4050%4,918
Total risk-based capital ratio13.4071%4,355
Memoranda:
Average total assets$215,544,500,00011
Average earning assets$187,038,500,00012
Average equity$27,802,500,00010
Average total loans$139,954,000,00010
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6041%4,567
Cost of funding earning assets0.3406%3,795
Net interest margin3.2635%4,278
Noninterest income to average assets2.0653%285
Noninterest expense to average assets3.2447%1,519
Loan and lease loss provision to assets0.1028%2,170
Net operating income to assets1.1286%1,759
Return on assets (ROA)1.1185%1,825
Pretax return on assets1.5324%1,516
Return on Equity (ROE)8.4680%2,567
Retained earnings to average equity (ytd only)1.6020%4,348
Net charge-offs to loans0.1751%1,419
Credit loss provision to net charge-offs89.8374%2,786
Earnings coverage of net charge-offs (x)14.3821%2,328
Efficiency ratio65.0214%3,441
Assets per employee ($millions)6.2539%1,346
Cash dividends to net income (ytd only)*81.0811%806
Condition Ratios (%)
Loss allowance to loans0.8683%4,600
Loan loss allowance to noncurrent loans115.6695%3,266
Noncurrent assets plus other real estate owned to assets0.5137%2,843
Noncurrent loans to loans0.7506%2,326
Net loans and leases to total assets64.3585%3,326
Net loans and leases to deposits84.8241%2,396
Net loans and leases to core deposits87.0085%2,823
Total domestic deposits to total assets75.8730%4,988
Equity capital to assets12.8649%1,329
Core capital (leverage) ratio9.3709%4,199
Tier 1 risk-based capital ratio11.3084%4,975
Total risk-based capital ratio13.3024%4,379
Memoranda:
Average total assets$215,025,381,20011
Average earning assets$186,120,104,20011
Average equity$28,401,130,00010
Average total loans$140,505,823,2009
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5754%4,619
Cost of funding earning assets0.3149%3,988
Net interest margin3.2605%4,296
Noninterest income to average assets2.0574%296
Noninterest expense to average assets3.2606%1,435
Loan and lease loss provision to assets0.0968%2,167
Net operating income to assets1.0895%2,134
Return on assets (ROA)1.0821%2,226
Pretax return on assets1.5142%1,722
Return on Equity (ROE)8.1394%3,056
Retained earnings to average equity (ytd only)2.0687%4,613
Net charge-offs to loans0.1831%1,155
Credit loss provision to net charge-offs80.8290%2,571
Earnings coverage of net charge-offs (x)13.5078%2,345
Efficiency ratio65.4663%3,295
Assets per employee ($millions)6.0872%1,432
Cash dividends to net income (ytd only)*74.5841%806
Condition Ratios (%)
Loss allowance to loans0.8621%4,715
Loan loss allowance to noncurrent loans115.2964%3,287
Noncurrent assets plus other real estate owned to assets0.5182%2,982
Noncurrent loans to loans0.7477%2,493
Net loans and leases to total assets64.5698%3,315
Net loans and leases to deposits85.6311%2,349
Net loans and leases to core deposits88.5978%2,719
Total domestic deposits to total assets75.4046%5,086
Equity capital to assets13.0115%1,389
Core capital (leverage) ratio9.3469%4,350
Tier 1 risk-based capital ratio11.2651%5,100
Total risk-based capital ratio13.2675%4,495
Memoranda:
Average total assets$214,762,476,50011
Average earning assets$185,858,380,25010
Average equity$28,551,912,50010
Average total loans$140,561,779,0009
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5246%4,701
Cost of funding earning assets0.2798%4,290
Net interest margin3.2448%4,277
Noninterest income to average assets2.0814%297
Noninterest expense to average assets3.3685%1,233
Loan and lease loss provision to assets0.1024%1,975
Net operating income to assets1.0356%2,271
Return on assets (ROA)1.0319%2,325
Pretax return on assets1.4146%1,952
Return on Equity (ROE)7.7068%3,191
Retained earnings to average equity (ytd only)3.1857%3,819
Net charge-offs to loans0.1989%1,013
Credit loss provision to net charge-offs78.5714%2,280
Earnings coverage of net charge-offs (x)11.6643%2,257
Efficiency ratio67.5048%3,094
Assets per employee ($millions)6.0635%1,407
Cash dividends to net income (ytd only)*58.6643%1,548
Condition Ratios (%)
Loss allowance to loans0.8597%4,789
Loan loss allowance to noncurrent loans115.4139%3,299
Noncurrent assets plus other real estate owned to assets0.5189%3,036
Noncurrent loans to loans0.7449%2,536
Net loans and leases to total assets64.9790%3,256
Net loans and leases to deposits85.7689%2,247
Net loans and leases to core deposits88.3022%2,675
Total domestic deposits to total assets75.7607%5,120
Equity capital to assets13.4661%1,159
Core capital (leverage) ratio9.8358%3,737
Tier 1 risk-based capital ratio11.7757%4,781
Total risk-based capital ratio13.7615%4,195
Memoranda:
Average total assets$214,756,635,33011
Average earning assets$185,838,173,67011
Average equity$28,753,883,33010
Average total loans$140,786,038,6709
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4812%4,742
Cost of funding earning assets0.2613%4,442
Net interest margin3.2198%4,279
Noninterest income to average assets2.0667%301
Noninterest expense to average assets3.7165%760
Loan and lease loss provision to assets0.1099%1,743
Net operating income to assets0.8207%3,121
Return on assets (ROA)0.8134%3,220
Pretax return on assets1.0214%3,283
Return on Equity (ROE)6.0925%3,867
Retained earnings to average equity (ytd only)6.0925%2,283
Net charge-offs to loans0.2001%861
Credit loss provision to net charge-offs83.7634%1,730
Earnings coverage of net charge-offs (x)8.6803%2,040
Efficiency ratio75.1141%2,049
Assets per employee ($millions)6.0391%1,481
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.8801%4,831
Loan loss allowance to noncurrent loans102.0630%3,592
Noncurrent assets plus other real estate owned to assets0.5967%2,858
Noncurrent loans to loans0.8623%2,308
Net loans and leases to total assets64.6350%3,175
Net loans and leases to deposits82.7476%2,426
Net loans and leases to core deposits84.6492%2,838
Total domestic deposits to total assets78.1110%4,954
Equity capital to assets13.4565%1,083
Core capital (leverage) ratio9.7969%3,760
Tier 1 risk-based capital ratio11.8425%4,818
Total risk-based capital ratio13.8565%4,228
Memoranda:
Average total assets$214,497,953,00011
Average earning assets$185,757,260,50011
Average equity$28,636,325,00010
Average total loans$140,631,058,0009
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4981%4,790
Cost of funding earning assets0.3179%3,866
Net interest margin3.1802%4,502
Noninterest income to average assets1.9179%360
Noninterest expense to average assets2.9543%2,483
Loan and lease loss provision to assets0.1337%1,865
Net operating income to assets1.1137%1,845
Return on assets (ROA)1.1208%1,902
Pretax return on assets1.5986%1,288
Return on Equity (ROE)8.6695%2,582
Retained earnings to average equity (ytd only)3.7486%3,251
Net charge-offs to loans0.2019%1,374
Credit loss provision to net charge-offs101.7404%2,527
Earnings coverage of net charge-offs (x)13.0772%2,399
Efficiency ratio61.7256%4,303
Assets per employee ($millions)6.0183%1,473
Cash dividends to net income (ytd only)*56.7615%1,939
Condition Ratios (%)
Loss allowance to loans0.8792%4,860
Loan loss allowance to noncurrent loans94.9528%3,734
Noncurrent assets plus other real estate owned to assets0.6445%2,794
Noncurrent loans to loans0.9260%2,243
Net loans and leases to total assets65.3376%3,171
Net loans and leases to deposits83.5706%2,469
Net loans and leases to core deposits85.9102%2,859
Total domestic deposits to total assets78.1825%4,947
Equity capital to assets13.2442%1,157
Core capital (leverage) ratio9.6197%3,941
Tier 1 risk-based capital ratio11.5484%5,023
Total risk-based capital ratio13.5569%4,387
Memoranda:
Average total assets$212,194,144,20011
Average earning assets$183,834,004,40011
Average equity$27,433,858,40010
Average total loans$138,156,369,0009
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5239%4,744
Cost of funding earning assets0.3249%3,818
Net interest margin3.1989%4,493
Noninterest income to average assets1.8908%376
Noninterest expense to average assets2.9654%2,413
Loan and lease loss provision to assets0.1460%1,606
Net operating income to assets1.0940%2,026
Return on assets (ROA)1.1081%2,065
Pretax return on assets1.5731%1,454
Return on Equity (ROE)8.6245%2,701
Retained earnings to average equity (ytd only)4.2116%3,328
Net charge-offs to loans0.1947%1,206
Credit loss provision to net charge-offs115.4781%2,150
Earnings coverage of net charge-offs (x)13.4244%2,311
Efficiency ratio62.1124%4,211
Assets per employee ($millions)6.0834%1,369
Cash dividends to net income (ytd only)*51.1672%1,822
Condition Ratios (%)
Loss allowance to loans0.8974%4,881
Loan loss allowance to noncurrent loans96.0755%3,703
Noncurrent assets plus other real estate owned to assets0.6474%2,959
Noncurrent loans to loans0.9340%2,377
Net loans and leases to total assets64.4709%3,334
Net loans and leases to deposits83.6832%2,526
Net loans and leases to core deposits86.8908%2,862
Total domestic deposits to total assets77.0416%5,079
Equity capital to assets13.1598%1,408
Core capital (leverage) ratio9.4650%4,226
Tier 1 risk-based capital ratio11.4196%5,141
Total risk-based capital ratio13.4396%4,574
Memoranda:
Average total assets$211,634,421,50011
Average earning assets$183,347,188,00012
Average equity$27,192,316,75010
Average total loans$137,358,438,7509
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5354%4,780
Cost of funding earning assets0.3332%3,762
Net interest margin3.2022%4,533
Noninterest income to average assets1.8364%393
Noninterest expense to average assets2.9594%2,487
Loan and lease loss provision to assets0.1614%1,405
Net operating income to assets1.0498%2,174
Return on assets (ROA)1.0719%2,200
Pretax return on assets1.5241%1,603
Return on Equity (ROE)8.4128%2,790
Retained earnings to average equity (ytd only)5.0447%2,706
Net charge-offs to loans0.1984%1,154
Credit loss provision to net charge-offs125.4435%1,800
Earnings coverage of net charge-offs (x)12.8268%2,162
Efficiency ratio62.6841%4,237
Assets per employee ($millions)6.0752%1,351
Cash dividends to net income (ytd only)*40.0359%2,416
Condition Ratios (%)
Loss allowance to loans0.9014%4,952
Loan loss allowance to noncurrent loans93.8328%3,835
Noncurrent assets plus other real estate owned to assets0.6599%3,026
Noncurrent loans to loans0.9607%2,359
Net loans and leases to total assets64.4093%3,306
Net loans and leases to deposits83.7573%2,494
Net loans and leases to core deposits86.7274%2,837
Total domestic deposits to total assets76.9000%5,174
Equity capital to assets13.0234%1,487
Core capital (leverage) ratio9.3030%4,456
Tier 1 risk-based capital ratio11.3254%5,264
Total risk-based capital ratio13.3444%4,690
Memoranda:
Average total assets$209,719,877,67011
Average earning assets$181,650,230,67011
Average equity$26,720,904,67010
Average total loans$136,006,357,3309
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5004%4,889
Cost of funding earning assets0.3420%3,690
Net interest margin3.1584%4,707
Noninterest income to average assets1.7177%420
Noninterest expense to average assets2.7869%3,124
Loan and lease loss provision to assets0.2169%891
Net operating income to assets1.0260%2,177
Return on assets (ROA)1.0764%2,101
Pretax return on assets1.5294%1,508
Return on Equity (ROE)8.5483%2,636
Retained earnings to average equity (ytd only)1.6094%4,629
Net charge-offs to loans0.2661%786
Credit loss provision to net charge-offs125.8169%1,386
Earnings coverage of net charge-offs (x)9.6908%1,970
Efficiency ratio61.1763%4,572
Assets per employee ($millions)6.1150%1,327
Cash dividends to net income (ytd only)*81.1732%986
Condition Ratios (%)
Loss allowance to loans0.9462%4,871
Loan loss allowance to noncurrent loans93.9894%3,757
Noncurrent assets plus other real estate owned to assets0.7035%2,956
Noncurrent loans to loans1.0067%2,371
Net loans and leases to total assets63.8073%3,265
Net loans and leases to deposits83.5184%2,364
Net loans and leases to core deposits87.0170%2,655
Total domestic deposits to total assets76.3991%5,372
Equity capital to assets12.6129%1,611
Core capital (leverage) ratio9.4026%4,344
Tier 1 risk-based capital ratio11.3723%5,294
Total risk-based capital ratio13.5264%4,638
Memoranda:
Average total assets$206,000,214,50011
Average earning assets$178,693,745,00011
Average equity$25,940,561,00010
Average total loans$133,437,977,0009
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4124%5,127
Cost of funding earning assets0.3432%3,761
Net interest margin3.0692%4,979
Noninterest income to average assets1.8880%389
Noninterest expense to average assets2.9857%2,598
Loan and lease loss provision to assets0.0962%2,386
Net operating income to assets1.0888%1,974
Return on assets (ROA)1.0671%2,133
Pretax return on assets1.4476%1,732
Return on Equity (ROE)8.5552%2,692
Retained earnings to average equity (ytd only)1.8916%4,647
Net charge-offs to loans0.1760%1,629
Credit loss provision to net charge-offs84.0991%2,880
Earnings coverage of net charge-offs (x)13.6888%2,355
Efficiency ratio64.4237%4,180
Assets per employee ($millions)6.0085%1,381
Cash dividends to net income (ytd only)*77.8892%938
Condition Ratios (%)
Loss allowance to loans0.9265%4,988
Loan loss allowance to noncurrent loans103.4303%3,615
Noncurrent assets plus other real estate owned to assets0.6485%3,105
Noncurrent loans to loans0.8958%2,551
Net loans and leases to total assets64.5341%3,197
Net loans and leases to deposits84.3731%2,323
Net loans and leases to core deposits87.8419%2,616
Total domestic deposits to total assets76.4865%5,390
Equity capital to assets12.5719%1,583
Core capital (leverage) ratio9.3474%4,398
Tier 1 risk-based capital ratio11.3016%5,376
Total risk-based capital ratio13.4396%4,735
Memoranda:
Average total assets$192,511,067,60011
Average earning assets$167,071,420,60013
Average equity$24,011,063,40010
Average total loans$125,104,487,0009
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3794%5,248
Cost of funding earning assets0.3453%3,805
Net interest margin3.0341%5,118
Noninterest income to average assets1.8929%389
Noninterest expense to average assets3.0044%2,512
Loan and lease loss provision to assets0.0885%2,386
Net operating income to assets1.0908%2,056
Return on assets (ROA)1.0634%2,250
Pretax return on assets1.4055%1,991
Return on Equity (ROE)8.5444%2,799
Retained earnings to average equity (ytd only)1.7554%5,000
Net charge-offs to loans0.1684%1,475
Credit loss provision to net charge-offs80.8879%2,601
Earnings coverage of net charge-offs (x)13.9148%2,284
Efficiency ratio65.2757%4,020
Assets per employee ($millions)6.1562%1,270
Cash dividends to net income (ytd only)*79.4558%748
Condition Ratios (%)
Loss allowance to loans0.9305%5,066
Loan loss allowance to noncurrent loans91.0806%3,873
Noncurrent assets plus other real estate owned to assets0.7456%3,040
Noncurrent loans to loans1.0217%2,435
Net loans and leases to total assets64.9185%3,167
Net loans and leases to deposits84.4700%2,346
Net loans and leases to core deposits86.9055%2,761
Total domestic deposits to total assets76.8539%5,366
Equity capital to assets12.6286%1,669
Core capital (leverage) ratio9.5545%4,232
Tier 1 risk-based capital ratio11.2838%5,498
Total risk-based capital ratio13.4395%4,873
Memoranda:
Average total assets$189,357,450,00012
Average earning assets$164,348,011,00013
Average equity$23,566,766,50010
Average total loans$122,977,156,0009
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3404%5,363
Cost of funding earning assets0.3554%3,752
Net interest margin2.9850%5,259
Noninterest income to average assets1.9502%383
Noninterest expense to average assets3.0529%2,393
Loan and lease loss provision to assets0.0904%2,311
Net operating income to assets1.1017%1,948
Return on assets (ROA)1.0653%2,189
Pretax return on assets1.3605%2,146
Return on Equity (ROE)8.6063%2,749
Retained earnings to average equity (ytd only)1.6009%4,900
Net charge-offs to loans0.1814%1,369
Credit loss provision to net charge-offs77.0112%2,366
Earnings coverage of net charge-offs (x)12.6710%2,186
Efficiency ratio66.2187%3,971
Assets per employee ($millions)6.0577%1,311
Cash dividends to net income (ytd only)*81.3989%885
Condition Ratios (%)
Loss allowance to loans1.0276%4,725
Loan loss allowance to noncurrent loans101.5218%3,686
Noncurrent assets plus other real estate owned to assets0.7431%3,153
Noncurrent loans to loans1.0122%2,622
Net loans and leases to total assets64.4051%3,206
Net loans and leases to deposits84.6785%2,223
Net loans and leases to core deposits87.1443%2,646
Total domestic deposits to total assets76.0584%5,591
Equity capital to assets12.4228%1,702
Core capital (leverage) ratio9.5343%4,237
Tier 1 risk-based capital ratio11.2873%5,584
Total risk-based capital ratio12.8694%5,309
Memoranda:
Average total assets$184,512,178,00013
Average earning assets$160,125,569,67013
Average equity$22,839,379,33010
Average total loans$119,433,638,6709
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3660%5,291
Cost of funding earning assets0.3633%3,714
Net interest margin3.0027%5,207
Noninterest income to average assets1.9018%382
Noninterest expense to average assets2.8177%3,184
Loan and lease loss provision to assets0.0858%2,259
Net operating income to assets1.1226%1,784
Return on assets (ROA)1.0749%2,069
Pretax return on assets1.5577%1,369
Return on Equity (ROE)8.6999%2,603
Retained earnings to average equity (ytd only)1.6408%4,817
Net charge-offs to loans0.1711%1,251
Credit loss provision to net charge-offs77.6635%1,851
Earnings coverage of net charge-offs (x)15.3142%1,628
Efficiency ratio61.5126%4,877
Assets per employee ($millions)6.0793%1,347
Cash dividends to net income (ytd only)*81.1399%958
Condition Ratios (%)
Loss allowance to loans1.0623%4,697
Loan loss allowance to noncurrent loans96.4235%3,766
Noncurrent assets plus other real estate owned to assets0.8112%3,079
Noncurrent loans to loans1.1017%2,567
Net loans and leases to total assets63.7209%3,126
Net loans and leases to deposits84.3741%2,022
Net loans and leases to core deposits87.6635%2,361
Total domestic deposits to total assets75.5219%5,786
Equity capital to assets12.3147%1,811
Core capital (leverage) ratio9.4517%4,351
Tier 1 risk-based capital ratio11.3944%5,610
Total risk-based capital ratio13.0599%5,261
Memoranda:
Average total assets$183,446,827,50013
Average earning assets$159,280,058,50013
Average equity$22,665,909,00011
Average total loans$118,422,605,5009
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5369%5,237
Cost of funding earning assets0.3979%3,710
Net interest margin3.1390%5,098
Noninterest income to average assets1.8183%398
Noninterest expense to average assets2.9684%2,937
Loan and lease loss provision to assets0.0333%3,929
Net operating income to assets1.1448%1,795
Return on assets (ROA)1.0860%2,082
Pretax return on assets1.4668%1,665
Return on Equity (ROE)8.9775%2,597
Retained earnings to average equity (ytd only)1.7003%4,964
Net charge-offs to loans0.2868%1,516
Credit loss provision to net charge-offs18.1046%3,996
Earnings coverage of net charge-offs (x)8.4823%2,872
Efficiency ratio64.4829%4,509
Assets per employee ($millions)5.9884%1,386
Cash dividends to net income (ytd only)*81.0606%865
Condition Ratios (%)
Loss allowance to loans1.0781%4,650
Loan loss allowance to noncurrent loans84.4259%4,123
Noncurrent assets plus other real estate owned to assets0.9306%2,891
Noncurrent loans to loans1.2770%2,322
Net loans and leases to total assets64.0073%3,226
Net loans and leases to deposits85.2738%2,067
Net loans and leases to core deposits90.9801%2,189
Total domestic deposits to total assets75.0609%5,853
Equity capital to assets12.3969%1,706
Core capital (leverage) ratio9.3043%4,532
Tier 1 risk-based capital ratio11.6811%5,557
Total risk-based capital ratio13.4213%5,158
Memoranda:
Average total assets$181,759,270,80011
Average earning assets$156,890,873,20013
Average equity$21,986,380,60011
Average total loans$116,515,504,2009
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5647%5,228
Cost of funding earning assets0.4045%3,742
Net interest margin3.1602%5,089
Noninterest income to average assets1.7873%410
Noninterest expense to average assets3.0226%2,725
Loan and lease loss provision to assets0.0370%3,665
Net operating income to assets1.1112%1,981
Return on assets (ROA)1.0437%2,323
Pretax return on assets1.3833%2,071
Return on Equity (ROE)8.6822%2,857
Retained earnings to average equity (ytd only)1.3521%5,356
Net charge-offs to loans0.3129%1,276
Credit loss provision to net charge-offs18.4774%3,594
Earnings coverage of net charge-offs (x)7.4383%2,927
Efficiency ratio65.9187%4,224
Assets per employee ($millions)5.8826%1,424
Cash dividends to net income (ytd only)*84.4272%644
Condition Ratios (%)
Loss allowance to loans1.1270%4,629
Loan loss allowance to noncurrent loans77.8724%4,245
Noncurrent assets plus other real estate owned to assets1.0278%2,905
Noncurrent loans to loans1.4473%2,250
Net loans and leases to total assets63.5337%3,258
Net loans and leases to deposits84.5952%2,077
Net loans and leases to core deposits92.2346%2,014
Total domestic deposits to total assets75.1031%5,912
Equity capital to assets12.4457%1,738
Core capital (leverage) ratio9.2170%4,755
Tier 1 risk-based capital ratio11.8124%5,602
Total risk-based capital ratio13.6334%5,172
Memoranda:
Average total assets$181,576,827,00011
Average earning assets$156,487,193,25013
Average equity$21,827,244,75011
Average total loans$116,124,560,7509
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5866%5,183
Cost of funding earning assets0.4041%3,830
Net interest margin3.1824%4,999
Noninterest income to average assets1.7854%416
Noninterest expense to average assets2.9862%2,883
Loan and lease loss provision to assets0.0469%3,370
Net operating income to assets1.1011%1,935
Return on assets (ROA)1.0074%2,359
Pretax return on assets1.3952%1,903
Return on Equity (ROE)8.4809%2,845
Retained earnings to average equity (ytd only)1.0444%5,343
Net charge-offs to loans0.3109%1,300
Credit loss provision to net charge-offs23.6196%3,140
Earnings coverage of net charge-offs (x)7.7343%2,585
Efficiency ratio64.9498%4,542
Assets per employee ($millions)5.8003%1,422
Cash dividends to net income (ytd only)*87.6858%732
Condition Ratios (%)
Loss allowance to loans1.1931%4,455
Loan loss allowance to noncurrent loans77.1130%4,282
Noncurrent assets plus other real estate owned to assets1.0830%2,895
Noncurrent loans to loans1.5473%2,237
Net loans and leases to total assets63.5635%3,148
Net loans and leases to deposits84.6909%1,965
Net loans and leases to core deposits94.7921%1,703
Total domestic deposits to total assets75.0535%6,016
Equity capital to assets12.3415%1,747
Core capital (leverage) ratio9.1830%4,769
Tier 1 risk-based capital ratio11.6834%5,702
Total risk-based capital ratio13.0682%5,567
Memoranda:
Average total assets$181,135,364,00011
Average earning assets$155,734,686,00013
Average equity$21,515,233,00011
Average total loans$115,656,600,6709
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6409%5,034
Cost of funding earning assets0.4060%3,892
Net interest margin3.2349%4,799
Noninterest income to average assets1.7850%403
Noninterest expense to average assets2.8372%3,425
Loan and lease loss provision to assets0.0024%3,791
Net operating income to assets1.2575%1,323
Return on assets (ROA)1.1058%1,850
Pretax return on assets1.5679%1,243
Return on Equity (ROE)9.4990%2,249
Retained earnings to average equity (ytd only)1.8587%4,850
Net charge-offs to loans0.3164%1,120
Credit loss provision to net charge-offs1.1865%2,678
Earnings coverage of net charge-offs (x)8.5500%2,010
Efficiency ratio61.1502%5,249
Assets per employee ($millions)5.6390%1,583
Cash dividends to net income (ytd only)*80.4327%957
Condition Ratios (%)
Loss allowance to loans1.2709%4,276
Loan loss allowance to noncurrent loans72.3968%4,426
Noncurrent assets plus other real estate owned to assets1.2305%2,796
Noncurrent loans to loans1.7555%2,203
Net loans and leases to total assets62.6671%3,129
Net loans and leases to deposits83.8516%1,837
Net loans and leases to core deposits92.8036%1,657
Total domestic deposits to total assets74.7358%6,183
Equity capital to assets12.4655%1,597
Core capital (leverage) ratio9.2975%4,581
Tier 1 risk-based capital ratio11.8825%5,717
Total risk-based capital ratio13.3627%5,499
Memoranda:
Average total assets$179,889,380,50011
Average earning assets$154,211,622,00013
Average equity$20,941,629,00011
Average total loans$114,420,197,0009
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8746%4,556
Cost of funding earning assets0.4417%4,198
Net interest margin3.4329%4,157
Noninterest income to average assets1.9075%422
Noninterest expense to average assets3.0445%2,915
Loan and lease loss provision to assets0.1928%1,918
Net operating income to assets0.9176%2,693
Return on assets (ROA)0.8268%3,236
Pretax return on assets1.5385%1,331
Return on Equity (ROE)7.7821%3,153
Retained earnings to average equity (ytd only)2.0953%4,745
Net charge-offs to loans0.5521%1,196
Credit loss provision to net charge-offs53.9524%3,730
Earnings coverage of net charge-offs (x)5.0703%3,392
Efficiency ratio61.5037%5,292
Assets per employee ($millions)5.5989%1,564
Cash dividends to net income (ytd only)*73.0747%1,187
Condition Ratios (%)
Loss allowance to loans1.3548%3,866
Loan loss allowance to noncurrent loans72.9193%4,397
Noncurrent assets plus other real estate owned to assets1.3224%2,772
Noncurrent loans to loans1.8579%2,159
Net loans and leases to total assets62.8755%3,223
Net loans and leases to deposits84.3278%1,887
Net loans and leases to core deposits94.1775%1,587
Total domestic deposits to total assets74.5608%6,241
Equity capital to assets10.8102%2,805
Core capital (leverage) ratio9.3630%4,452
Tier 1 risk-based capital ratio11.8789%5,691
Total risk-based capital ratio13.4499%5,424
Memoranda:
Average total assets$177,921,767,40012
Average earning assets$152,830,575,60012
Average equity$18,903,715,40015
Average total loans$115,153,349,4009
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9293%4,392
Cost of funding earning assets0.4491%4,287
Net interest margin3.4803%3,967
Noninterest income to average assets1.9023%448
Noninterest expense to average assets3.0488%2,820
Loan and lease loss provision to assets0.2504%1,427
Net operating income to assets0.8078%3,302
Return on assets (ROA)0.7216%3,878
Pretax return on assets1.5206%1,544
Return on Equity (ROE)6.8214%3,754
Retained earnings to average equity (ytd only)0.7895%5,665
Net charge-offs to loans0.6222%995
Credit loss provision to net charge-offs61.9498%3,255
Earnings coverage of net charge-offs (x)4.5639%3,411
Efficiency ratio61.1048%5,261
Assets per employee ($millions)5.4856%1,638
Cash dividends to net income (ytd only)*88.4261%596
Condition Ratios (%)
Loss allowance to loans1.4369%3,748
Loan loss allowance to noncurrent loans74.1970%4,264
Noncurrent assets plus other real estate owned to assets1.4311%2,809
Noncurrent loans to loans1.9366%2,320
Net loans and leases to total assets64.8959%2,824
Net loans and leases to deposits85.4745%1,676
Net loans and leases to core deposits95.0593%1,465
Total domestic deposits to total assets75.9243%6,178
Equity capital to assets10.7006%3,069
Core capital (leverage) ratio9.1125%4,951
Tier 1 risk-based capital ratio11.5955%6,009
Total risk-based capital ratio13.1848%5,757
Memoranda:
Average total assets$177,620,635,75012
Average earning assets$152,672,549,50012
Average equity$18,788,649,50015
Average total loans$115,398,352,5009
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9259%4,375
Cost of funding earning assets0.4563%4,358
Net interest margin3.4696%3,929
Noninterest income to average assets1.9643%457
Noninterest expense to average assets3.0464%2,853
Loan and lease loss provision to assets0.3316%1,037
Net operating income to assets0.8674%2,960
Return on assets (ROA)0.7844%3,543
Pretax return on assets1.5040%1,606
Return on Equity (ROE)7.4438%3,369
Retained earnings to average equity (ytd only)0.7905%5,584
Net charge-offs to loans0.7496%862
Credit loss provision to net charge-offs68.4004%2,860
Earnings coverage of net charge-offs (x)3.9190%3,269
Efficiency ratio60.3939%5,424
Assets per employee ($millions)5.5228%1,564
Cash dividends to net income (ytd only)*89.3807%695
Condition Ratios (%)
Loss allowance to loans1.4993%3,596
Loan loss allowance to noncurrent loans72.8552%4,295
Noncurrent assets plus other real estate owned to assets1.5129%2,831
Noncurrent loans to loans2.0580%2,327
Net loans and leases to total assets63.8823%2,928
Net loans and leases to deposits82.8370%1,948
Net loans and leases to core deposits94.7902%1,456
Total domestic deposits to total assets77.1181%6,109
Equity capital to assets10.5694%3,208
Core capital (leverage) ratio9.0423%4,917
Tier 1 risk-based capital ratio11.4603%6,130
Total risk-based capital ratio13.1577%5,799
Memoranda:
Average total assets$178,288,689,00012
Average earning assets$153,240,560,00013
Average equity$18,787,498,67015
Average total loans$115,321,313,67010
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9465%4,303
Cost of funding earning assets0.4687%4,385
Net interest margin3.4778%3,796
Noninterest income to average assets1.9304%449
Noninterest expense to average assets2.9593%3,122
Loan and lease loss provision to assets0.4052%758
Net operating income to assets0.5448%4,475
Return on assets (ROA)0.4632%5,020
Pretax return on assets1.4947%1,566
Return on Equity (ROE)4.4018%4,893
Retained earnings to average equity (ytd only)-4.1179%6,289
Net charge-offs to loans0.8574%704
Credit loss provision to net charge-offs73.1669%2,250
Earnings coverage of net charge-offs (x)3.5443%2,747
Efficiency ratio58.9132%5,729
Assets per employee ($millions)5.4571%1,702
Cash dividends to net income (ytd only)*193.5509%231
Condition Ratios (%)
Loss allowance to loans1.5687%3,529
Loan loss allowance to noncurrent loans71.5594%4,271
Noncurrent assets plus other real estate owned to assets1.6363%2,814
Noncurrent loans to loans2.1922%2,400
Net loans and leases to total assets64.1374%2,678
Net loans and leases to deposits83.1125%1,692
Net loans and leases to core deposits93.9978%1,344
Total domestic deposits to total assets77.1693%6,233
Equity capital to assets10.5994%3,435
Core capital (leverage) ratio8.8503%5,117
Tier 1 risk-based capital ratio11.3764%6,245
Total risk-based capital ratio13.1201%5,957
Memoranda:
Average total assets$178,485,508,50012
Average earning assets$153,544,766,50013
Average equity$18,780,001,00017
Average total loans$115,295,291,00010
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1686%4,698
Cost of funding earning assets0.5615%4,716
Net interest margin3.6071%4,053
Noninterest income to average assets1.7431%537
Noninterest expense to average assets2.9225%3,555
Loan and lease loss provision to assets0.4940%1,214
Net operating income to assets1.0772%2,020
Return on assets (ROA)0.9600%2,748
Pretax return on assets1.2943%2,432
Return on Equity (ROE)9.1824%2,544
Retained earnings to average equity (ytd only)0.4842%5,608
Net charge-offs to loans1.0163%1,065
Credit loss provision to net charge-offs76.7930%3,936
Earnings coverage of net charge-offs (x)2.9648%3,942
Efficiency ratio59.2472%5,660
Assets per employee ($millions)5.5931%1,602
Cash dividends to net income (ytd only)*94.7266%597
Condition Ratios (%)
Loss allowance to loans1.5592%3,480
Loan loss allowance to noncurrent loans65.3042%4,437
Noncurrent assets plus other real estate owned to assets1.7464%2,776
Noncurrent loans to loans2.3876%2,244
Net loans and leases to total assets62.6709%3,129
Net loans and leases to deposits81.6997%2,049
Net loans and leases to core deposits93.5393%1,508
Total domestic deposits to total assets76.7089%6,259
Equity capital to assets10.2365%3,845
Core capital (leverage) ratio8.5829%5,487
Tier 1 risk-based capital ratio11.2170%6,266
Total risk-based capital ratio12.9690%5,917
Memoranda:
Average total assets$173,192,807,00012
Average earning assets$148,194,651,20014
Average equity$18,107,323,40017
Average total loans$109,617,252,40010
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2097%4,789
Cost of funding earning assets0.5790%4,843
Net interest margin3.6307%4,094
Noninterest income to average assets1.6943%538
Noninterest expense to average assets2.9076%3,565
Loan and lease loss provision to assets0.5153%1,178
Net operating income to assets1.0511%2,282
Return on assets (ROA)0.9316%3,053
Pretax return on assets1.2545%2,774
Return on Equity (ROE)8.8629%2,867
Retained earnings to average equity (ytd only)0.1969%6,019
Net charge-offs to loans1.0586%994
Credit loss provision to net charge-offs77.0234%3,704
Earnings coverage of net charge-offs (x)2.8273%3,907
Efficiency ratio59.3118%5,610
Assets per employee ($millions)5.5298%1,608
Cash dividends to net income (ytd only)*97.7779%361
Condition Ratios (%)
Loss allowance to loans1.6180%3,453
Loan loss allowance to noncurrent loans64.0033%4,478
Noncurrent assets plus other real estate owned to assets1.8703%2,830
Noncurrent loans to loans2.5280%2,256
Net loans and leases to total assets63.0094%3,204
Net loans and leases to deposits83.3424%1,950
Net loans and leases to core deposits94.5456%1,528
Total domestic deposits to total assets75.6031%6,440
Equity capital to assets10.3731%3,982
Core capital (leverage) ratio8.7111%5,457
Tier 1 risk-based capital ratio11.2720%6,371
Total risk-based capital ratio13.0282%6,051
Memoranda:
Average total assets$171,982,465,75011
Average earning assets$147,072,897,00013
Average equity$18,078,033,50017
Average total loans$108,685,830,0009
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2647%4,707
Cost of funding earning assets0.5954%4,942
Net interest margin3.6693%3,959
Noninterest income to average assets1.6638%538
Noninterest expense to average assets2.7965%4,032
Loan and lease loss provision to assets0.5796%1,047
Net operating income to assets1.0764%2,142
Return on assets (ROA)0.9423%2,957
Pretax return on assets1.2881%2,602
Return on Equity (ROE)8.9242%2,844
Retained earnings to average equity (ytd only)0.3161%5,939
Net charge-offs to loans1.1166%973
Credit loss provision to net charge-offs82.5243%3,255
Earnings coverage of net charge-offs (x)2.8542%3,602
Efficiency ratio57.0566%5,989
Assets per employee ($millions)5.6228%1,501
Cash dividends to net income (ytd only)*96.4584%487
Condition Ratios (%)
Loss allowance to loans1.7514%3,020
Loan loss allowance to noncurrent loans63.2370%4,497
Noncurrent assets plus other real estate owned to assets2.0660%2,702
Noncurrent loans to loans2.7695%2,164
Net loans and leases to total assets62.0535%3,425
Net loans and leases to deposits81.5715%2,167
Net loans and leases to core deposits92.6480%1,714
Total domestic deposits to total assets75.7691%6,494
Equity capital to assets10.4446%3,756
Core capital (leverage) ratio8.9966%4,923
Tier 1 risk-based capital ratio11.7448%6,091
Total risk-based capital ratio13.6313%5,645
Memoranda:
Average total assets$170,523,998,00012
Average earning assets$145,802,057,67013
Average equity$18,006,109,00017
Average total loans$107,264,566,6709
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3300%4,609
Cost of funding earning assets0.6253%4,930
Net interest margin3.7048%3,803
Noninterest income to average assets1.5665%587
Noninterest expense to average assets2.8177%3,955
Loan and lease loss provision to assets0.5972%963
Net operating income to assets0.9754%2,574
Return on assets (ROA)0.8401%3,439
Pretax return on assets1.1792%2,992
Return on Equity (ROE)7.9119%3,326
Retained earnings to average equity (ytd only)-0.4497%6,075
Net charge-offs to loans1.1377%907
Credit loss provision to net charge-offs83.6248%2,670
Earnings coverage of net charge-offs (x)2.6846%3,112
Efficiency ratio58.4654%5,852
Assets per employee ($millions)5.8161%1,417
Cash dividends to net income (ytd only)*105.6841%504
Condition Ratios (%)
Loss allowance to loans1.8684%2,776
Loan loss allowance to noncurrent loans59.8184%4,541
Noncurrent assets plus other real estate owned to assets2.4074%2,456
Noncurrent loans to loans3.1234%2,050
Net loans and leases to total assets61.4138%3,370
Net loans and leases to deposits80.8530%2,078
Net loans and leases to core deposits90.9252%1,759
Total domestic deposits to total assets75.7451%6,576
Equity capital to assets10.6423%3,331
Core capital (leverage) ratio9.4067%4,189
Tier 1 risk-based capital ratio12.4707%5,628
Total risk-based capital ratio14.6244%4,910
Memoranda:
Average total assets$168,946,878,00012
Average earning assets$144,486,479,50013
Average equity$17,939,204,50017
Average total loans$106,049,549,5009
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6859%4,306
Cost of funding earning assets0.8012%4,857
Net interest margin3.8847%3,402
Noninterest income to average assets1.1386%1,013
Noninterest expense to average assets2.9303%3,844
Loan and lease loss provision to assets0.6508%1,566
Net operating income to assets0.7345%3,318
Return on assets (ROA)0.6486%3,939
Pretax return on assets0.7359%4,207
Return on Equity (ROE)5.7540%4,000
Retained earnings to average equity (ytd only)3.0740%4,039
Net charge-offs to loans1.4503%1,120
Credit loss provision to net charge-offs68.8332%4,897
Earnings coverage of net charge-offs (x)1.5536%4,610
Efficiency ratio65.2460%4,913
Assets per employee ($millions)5.6952%1,445
Cash dividends to net income (ytd only)*46.5765%2,249
Condition Ratios (%)
Loss allowance to loans1.9054%2,552
Loan loss allowance to noncurrent loans59.5482%4,534
Noncurrent assets plus other real estate owned to assets2.5653%2,363
Noncurrent loans to loans3.1998%2,020
Net loans and leases to total assets61.7593%3,651
Net loans and leases to deposits81.7656%2,233
Net loans and leases to core deposits94.8229%1,611
Total domestic deposits to total assets75.2320%6,571
Equity capital to assets10.5942%3,422
Core capital (leverage) ratio9.5444%3,952
Tier 1 risk-based capital ratio12.4235%5,515
Total risk-based capital ratio14.6096%4,772
Memoranda:
Average total assets$157,240,351,80013
Average earning assets$131,976,450,00013
Average equity$17,723,947,40015
Average total loans$102,505,456,00010
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7509%4,221
Cost of funding earning assets0.8393%4,861
Net interest margin3.9117%3,328
Noninterest income to average assets1.2387%847
Noninterest expense to average assets2.9800%3,632
Loan and lease loss provision to assets0.6822%1,417
Net operating income to assets0.7608%3,336
Return on assets (ROA)0.6036%4,247
Pretax return on assets0.6840%4,539
Return on Equity (ROE)5.2683%4,413
Retained earnings to average equity (ytd only)3.5717%4,201
Net charge-offs to loans1.4962%970
Credit loss provision to net charge-offs69.2981%4,504
Earnings coverage of net charge-offs (x)1.5513%4,477
Efficiency ratio64.7445%4,945
Assets per employee ($millions)5.4848%1,615
Cash dividends to net income (ytd only)*32.2034%2,376
Condition Ratios (%)
Loss allowance to loans2.0807%2,114
Loan loss allowance to noncurrent loans59.7225%4,469
Noncurrent assets plus other real estate owned to assets3.0215%2,123
Noncurrent loans to loans3.4839%1,974
Net loans and leases to total assets62.0800%3,705
Net loans and leases to deposits83.8133%2,031
Net loans and leases to core deposits94.0934%1,785
Total domestic deposits to total assets73.5245%6,812
Equity capital to assets11.2011%2,963
Core capital (leverage) ratio9.9298%3,531
Tier 1 risk-based capital ratio12.7561%5,287
Total risk-based capital ratio14.9692%4,524
Memoranda:
Average total assets$154,333,529,75013
Average earning assets$128,954,521,00013
Average equity$17,682,403,25015
Average total loans$101,552,485,00010
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7925%4,124
Cost of funding earning assets0.8689%4,912
Net interest margin3.9237%3,196
Noninterest income to average assets1.2964%747
Noninterest expense to average assets3.0337%3,511
Loan and lease loss provision to assets0.7555%1,231
Net operating income to assets0.6785%3,650
Return on assets (ROA)0.5395%4,476
Pretax return on assets0.6322%4,640
Return on Equity (ROE)4.6718%4,605
Retained earnings to average equity (ytd only)4.6718%3,209
Net charge-offs to loans1.5008%992
Credit loss provision to net charge-offs75.5228%3,901
Earnings coverage of net charge-offs (x)1.5269%4,151
Efficiency ratio65.1069%5,040
Assets per employee ($millions)5.1989%1,873
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.2883%1,769
Loan loss allowance to noncurrent loans60.0194%4,449
Noncurrent assets plus other real estate owned to assets3.4866%1,891
Noncurrent loans to loans3.8126%1,828
Net loans and leases to total assets64.1416%3,433
Net loans and leases to deposits88.3810%1,446
Net loans and leases to core deposits95.8272%1,698
Total domestic deposits to total assets71.9462%7,007
Equity capital to assets11.6486%2,365
Core capital (leverage) ratio10.3674%2,861
Tier 1 risk-based capital ratio12.8045%5,090
Total risk-based capital ratio15.1564%4,205
Memoranda:
Average total assets$151,721,352,00013
Average earning assets$126,244,380,67013
Average equity$17,521,569,33016
Average total loans$101,131,823,67011
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8192%3,967
Cost of funding earning assets0.9116%4,841
Net interest margin3.9076%3,103
Noninterest income to average assets1.2262%842
Noninterest expense to average assets3.0157%3,579
Loan and lease loss provision to assets0.7738%1,105
Net operating income to assets0.6039%4,013
Return on assets (ROA)0.4827%4,641
Pretax return on assets0.5559%4,847
Return on Equity (ROE)4.1983%4,796
Retained earnings to average equity (ytd only)4.1983%3,640
Net charge-offs to loans1.3973%983
Credit loss provision to net charge-offs82.4447%3,111
Earnings coverage of net charge-offs (x)1.5459%3,551
Efficiency ratio66.0654%5,027
Assets per employee ($millions)5.1551%1,953
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.4220%1,577
Loan loss allowance to noncurrent loans52.7228%4,852
Noncurrent assets plus other real estate owned to assets4.0997%1,626
Noncurrent loans to loans4.5939%1,507
Net loans and leases to total assets64.7562%3,295
Net loans and leases to deposits92.0137%1,022
Net loans and leases to core deposits99.0923%1,422
Total domestic deposits to total assets69.5301%7,202
Equity capital to assets11.5747%2,207
Core capital (leverage) ratio10.2412%2,876
Tier 1 risk-based capital ratio12.6004%5,168
Total risk-based capital ratio14.9597%4,245
Memoranda:
Average total assets$150,911,145,50013
Average earning assets$125,146,468,00013
Average equity$17,351,292,50015
Average total loans$101,368,133,50011
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0691%4,238
Cost of funding earning assets1.0701%5,311
Net interest margin3.9990%3,022
Noninterest income to average assets1.4419%690
Noninterest expense to average assets2.9856%3,906
Loan and lease loss provision to assets1.6068%897
Net operating income to assets0.1669%5,383
Return on assets (ROA)0.4064%4,649
Pretax return on assets0.4092%4,912
Return on Equity (ROE)3.6701%4,661
Retained earnings to average equity (ytd only)3.6701%3,287
Net charge-offs to loans2.2802%848
Credit loss provision to net charge-offs107.0730%4,148
Earnings coverage of net charge-offs (x)1.1815%4,923
Efficiency ratio61.1432%5,868
Assets per employee ($millions)5.1481%1,947
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.4277%1,510
Loan loss allowance to noncurrent loans53.5122%4,814
Noncurrent assets plus other real estate owned to assets4.1360%1,627
Noncurrent loans to loans4.5367%1,554
Net loans and leases to total assets66.3285%3,400
Net loans and leases to deposits94.0767%1,062
Net loans and leases to core deposits104.6032%1,276
Total domestic deposits to total assets67.3607%7,349
Equity capital to assets11.4206%2,330
Core capital (leverage) ratio9.9324%3,161
Tier 1 risk-based capital ratio12.2261%5,276
Total risk-based capital ratio14.6107%4,283
Memoranda:
Average total assets$153,780,178,60013
Average earning assets$127,541,957,60013
Average equity$17,026,751,00014
Average total loans$101,209,682,40011
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0705%4,475
Cost of funding earning assets1.0978%5,430
Net interest margin3.9727%3,225
Noninterest income to average assets1.4122%680
Noninterest expense to average assets2.9417%3,939
Loan and lease loss provision to assets1.6281%792
Net operating income to assets0.1353%5,674
Return on assets (ROA)0.3962%4,947
Pretax return on assets0.4161%5,174
Return on Equity (ROE)3.6061%4,961
Retained earnings to average equity (ytd only)3.6061%3,909
Net charge-offs to loans2.4088%716
Credit loss provision to net charge-offs103.5249%4,138
Earnings coverage of net charge-offs (x)1.1239%4,927
Efficiency ratio60.8124%5,821
Assets per employee ($millions)5.1736%1,970
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.3534%1,537
Loan loss allowance to noncurrent loans48.7326%5,048
Noncurrent assets plus other real estate owned to assets4.2922%1,588
Noncurrent loans to loans4.8292%1,456
Net loans and leases to total assets65.4400%3,814
Net loans and leases to deposits93.8915%1,210
Net loans and leases to core deposits104.1990%1,463
Total domestic deposits to total assets66.7202%7,441
Equity capital to assets11.3602%2,649
Core capital (leverage) ratio9.8945%3,364
Tier 1 risk-based capital ratio12.6310%4,867
Total risk-based capital ratio15.0872%3,923
Memoranda:
Average total assets$154,518,110,25012
Average earning assets$128,238,875,50013
Average equity$16,977,052,50014
Average total loans$100,879,264,50011
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0798%4,559
Cost of funding earning assets1.1112%5,616
Net interest margin3.9686%3,169
Noninterest income to average assets1.3312%715
Noninterest expense to average assets2.8940%4,100
Loan and lease loss provision to assets1.4761%901
Net operating income to assets0.2443%5,396
Return on assets (ROA)0.3888%4,968
Pretax return on assets0.4196%5,159
Return on Equity (ROE)3.5786%4,975
Retained earnings to average equity (ytd only)3.5786%3,819
Net charge-offs to loans1.9809%926
Credit loss provision to net charge-offs115.1337%3,532
Earnings coverage of net charge-offs (x)1.3529%4,471
Efficiency ratio60.8036%5,894
Assets per employee ($millions)5.0544%2,117
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.4720%1,336
Loan loss allowance to noncurrent loans48.2307%5,080
Noncurrent assets plus other real estate owned to assets4.5011%1,478
Noncurrent loans to loans5.1253%1,335
Net loans and leases to total assets65.4935%3,940
Net loans and leases to deposits94.3100%1,238
Net loans and leases to core deposits101.5785%1,861
Total domestic deposits to total assets69.3435%7,369
Equity capital to assets11.4915%2,451
Core capital (leverage) ratio9.4600%3,880
Tier 1 risk-based capital ratio12.6005%4,771
Total risk-based capital ratio15.0741%3,823
Memoranda:
Average total assets$155,508,997,67011
Average earning assets$129,211,292,67012
Average equity$16,897,453,00014
Average total loans$100,651,852,00011
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9074%5,435
Cost of funding earning assets1.1044%5,885
Net interest margin3.8030%3,787
Noninterest income to average assets1.4120%606
Noninterest expense to average assets2.7327%4,756
Loan and lease loss provision to assets1.2860%942
Net operating income to assets0.5013%4,384
Return on assets (ROA)0.3900%5,021
Pretax return on assets0.4542%5,114
Return on Equity (ROE)3.6888%5,036
Retained earnings to average equity (ytd only)3.6888%3,943
Net charge-offs to loans1.6167%1,074
Credit loss provision to net charge-offs125.1052%2,805
Earnings coverage of net charge-offs (x)1.8022%3,657
Efficiency ratio57.9017%6,499
Assets per employee ($millions)5.2941%1,870
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.4290%1,392
Loan loss allowance to noncurrent loans49.0555%5,061
Noncurrent assets plus other real estate owned to assets4.2289%1,611
Noncurrent loans to loans4.9515%1,468
Net loans and leases to total assets61.8723%4,783
Net loans and leases to deposits86.2987%2,531
Net loans and leases to core deposits98.4697%2,299
Total domestic deposits to total assets67.8376%7,534
Equity capital to assets10.7332%3,021
Core capital (leverage) ratio9.0836%4,406
Tier 1 risk-based capital ratio12.3005%4,905
Total risk-based capital ratio14.8195%3,909
Memoranda:
Average total assets$158,663,771,50011
Average earning assets$132,387,814,50011
Average equity$16,773,554,00014
Average total loans$100,881,436,50010
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9416%6,613
Cost of funding earning assets1.3758%6,032
Net interest margin3.5658%4,673
Noninterest income to average assets1.8737%424
Noninterest expense to average assets2.8108%4,931
Loan and lease loss provision to assets1.6312%1,403
Net operating income to assets0.4020%4,122
Return on assets (ROA)0.4117%4,192
Pretax return on assets0.4751%4,264
Return on Equity (ROE)4.1509%4,023
Retained earnings to average equity (ytd only)2.0324%3,684
Net charge-offs to loans1.4932%1,677
Credit loss provision to net charge-offs165.8708%2,624
Earnings coverage of net charge-offs (x)2.1167%4,143
Efficiency ratio55.9924%7,015
Assets per employee ($millions)5.3158%1,824
Cash dividends to net income (ytd only)*51.0381%2,423
Condition Ratios (%)
Loss allowance to loans2.2849%1,505
Loan loss allowance to noncurrent loans49.3853%5,094
Noncurrent assets plus other real estate owned to assets3.9662%1,667
Noncurrent loans to loans4.6268%1,523
Net loans and leases to total assets62.2925%4,928
Net loans and leases to deposits87.1211%2,715
Net loans and leases to core deposits105.7482%3,368
Total domestic deposits to total assets69.7049%7,447
Equity capital to assets10.4124%3,270
Core capital (leverage) ratio8.8990%4,588
Tier 1 risk-based capital ratio11.1506%5,776
Total risk-based capital ratio13.6013%4,600
Memoranda:
Average total assets$150,644,837,00012
Average earning assets$127,534,109,80012
Average equity$14,942,798,40018
Average total loans$99,216,910,20010
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9074%6,864
Cost of funding earning assets1.4333%6,111
Net interest margin3.4741%4,978
Noninterest income to average assets1.9288%400
Noninterest expense to average assets2.7423%5,138
Loan and lease loss provision to assets1.6508%1,136
Net operating income to assets0.4343%4,261
Return on assets (ROA)0.4865%4,141
Pretax return on assets0.5584%4,339
Return on Equity (ROE)4.9707%3,978
Retained earnings to average equity (ytd only)2.0642%4,169
Net charge-offs to loans1.4339%1,442
Credit loss provision to net charge-offs173.3083%2,672
Earnings coverage of net charge-offs (x)2.2432%4,142
Efficiency ratio54.8482%7,137
Assets per employee ($millions)5.2092%1,878
Cash dividends to net income (ytd only)*58.4721%1,665
Condition Ratios (%)
Loss allowance to loans2.0696%1,648
Loan loss allowance to noncurrent loans52.5218%4,817
Noncurrent assets plus other real estate owned to assets3.4845%1,914
Noncurrent loans to loans3.9405%1,868
Net loans and leases to total assets63.2450%5,030
Net loans and leases to deposits88.4549%2,875
Net loans and leases to core deposits110.0500%3,232
Total domestic deposits to total assets68.9744%7,497
Equity capital to assets10.1772%3,870
Core capital (leverage) ratio8.8781%4,847
Tier 1 risk-based capital ratio11.6966%5,249
Total risk-based capital ratio14.2734%4,109
Memoranda:
Average total assets$148,387,161,75011
Average earning assets$126,013,040,25011
Average equity$14,521,989,25018
Average total loans$98,573,197,5009
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9487%6,924
Cost of funding earning assets1.5107%6,096
Net interest margin3.4381%5,037
Noninterest income to average assets2.0522%355
Noninterest expense to average assets2.7214%5,300
Loan and lease loss provision to assets1.6793%1,000
Net operating income to assets0.4861%4,137
Return on assets (ROA)0.5758%3,894
Pretax return on assets0.7034%3,979
Return on Equity (ROE)5.9709%3,662
Retained earnings to average equity (ytd only)1.4367%4,529
Net charge-offs to loans1.3998%1,341
Credit loss provision to net charge-offs178.7790%2,560
Earnings coverage of net charge-offs (x)2.3990%3,869
Efficiency ratio53.4346%7,392
Assets per employee ($millions)5.5627%1,530
Cash dividends to net income (ytd only)*75.9379%1,177
Condition Ratios (%)
Loss allowance to loans1.9371%1,702
Loan loss allowance to noncurrent loans74.0992%3,753
Noncurrent assets plus other real estate owned to assets2.5536%2,522
Noncurrent loans to loans2.6141%2,766
Net loans and leases to total assets64.7417%4,826
Net loans and leases to deposits94.2759%2,051
Net loans and leases to core deposits120.2785%2,349
Total domestic deposits to total assets63.4997%7,852
Equity capital to assets9.9586%4,002
Core capital (leverage) ratio9.1215%4,428
Tier 1 risk-based capital ratio11.4654%5,424
Total risk-based capital ratio14.0281%4,212
Memoranda:
Average total assets$144,800,935,33012
Average earning assets$123,090,859,67011
Average equity$13,963,769,67018
Average total loans$97,171,265,00011
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0890%6,681
Cost of funding earning assets1.5934%6,058
Net interest margin3.4956%4,756
Noninterest income to average assets1.9960%368
Noninterest expense to average assets2.5048%5,832
Loan and lease loss provision to assets1.6280%766
Net operating income to assets0.6297%3,886
Return on assets (ROA)0.8489%3,066
Pretax return on assets1.1494%2,805
Return on Equity (ROE)8.9531%2,743
Retained earnings to average equity (ytd only)-0.3619%5,735
Net charge-offs to loans1.2355%1,136
Credit loss provision to net charge-offs194.7360%2,268
Earnings coverage of net charge-offs (x)2.9302%3,332
Efficiency ratio49.2528%7,651
Assets per employee ($millions)5.1165%1,941
Cash dividends to net income (ytd only)*104.0421%720
Condition Ratios (%)
Loss allowance to loans1.6718%2,236
Loan loss allowance to noncurrent loans75.2193%3,867
Noncurrent assets plus other real estate owned to assets2.2646%2,533
Noncurrent loans to loans2.2225%2,952
Net loans and leases to total assets69.0990%3,892
Net loans and leases to deposits106.8616%804
Net loans and leases to core deposits129.0941%1,713
Total domestic deposits to total assets63.4448%7,866
Equity capital to assets9.7806%4,257
Core capital (leverage) ratio8.2296%6,039
Tier 1 risk-based capital ratio10.6294%6,261
Total risk-based capital ratio13.2872%4,820
Memoranda:
Average total assets$143,379,448,50014
Average earning assets$121,344,647,50011
Average equity$13,594,013,00018
Average total loans$97,019,235,00011
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7619%6,553
Cost of funding earning assets2.3666%4,866
Net interest margin3.3954%5,680
Noninterest income to average assets1.8802%384
Noninterest expense to average assets2.5915%5,682
Loan and lease loss provision to assets0.8458%1,763
Net operating income to assets0.9932%2,584
Return on assets (ROA)1.0851%2,122
Pretax return on assets1.5051%1,670
Return on Equity (ROE)10.6664%2,023
Retained earnings to average equity (ytd only)2.1118%3,918
Net charge-offs to loans0.6829%1,800
Credit loss provision to net charge-offs179.4371%2,815
Earnings coverage of net charge-offs (x)4.7170%3,888
Efficiency ratio52.4165%7,446
Assets per employee ($millions)5.4069%1,528
Cash dividends to net income (ytd only)*80.2014%1,705
Condition Ratios (%)
Loss allowance to loans1.4063%3,158
Loan loss allowance to noncurrent loans72.6876%4,434
Noncurrent assets plus other real estate owned to assets1.6400%2,967
Noncurrent loans to loans1.9347%2,853
Net loans and leases to total assets64.2865%5,214
Net loans and leases to deposits96.2483%2,409
Net loans and leases to core deposits130.2482%1,833
Total domestic deposits to total assets60.4291%7,952
Equity capital to assets9.1984%5,084
Core capital (leverage) ratio8.7005%5,195
Tier 1 risk-based capital ratio9.7675%6,994
Total risk-based capital ratio12.3016%5,565
Memoranda:
Average total assets$134,629,634,80015
Average earning assets$116,364,756,80013
Average equity$13,695,867,60015
Average total loans$92,921,364,00011