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Uinta Bank, Performance and Condition Ratios

2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7989%4,234
Cost of funding earning assets1.5033%265
Net interest margin2.2957%4,917
Noninterest income to average assets0.2680%3,935
Noninterest expense to average assets1.2748%5,010
Loan and lease loss provision to assets0.0882%2,585
Net operating income to assets0.9524%2,340
Return on assets (ROA)0.9539%2,439
Pretax return on assets1.1390%2,398
Return on Equity (ROE)10.7456%1,490
Retained earnings to average equity (ytd only)10.7456%609
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.9873%4,612
Assets per employee ($millions)11.6790%254
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.5573%1,170
Loan loss allowance to noncurrent loans472.2892%1,014
Noncurrent assets plus other real estate owned to assets0.1066%4,090
Noncurrent loans to loans0.3297%3,310
Net loans and leases to total assets31.8255%4,867
Net loans and leases to deposits35.2550%4,915
Net loans and leases to core deposits49.7947%4,684
Total domestic deposits to total assets90.2723%248
Equity capital to assets9.1515%4,504
Core capital (leverage) ratio7.9989%4,980
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.5272%693
Memoranda:
Average total assets$226,857,5002,655
Average earning assets$220,587,5002,570
Average equity$20,138,5003,160
Average total loans$75,463,0003,651
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0273%4,194
Cost of funding earning assets1.6088%291
Net interest margin2.4185%5,005
Noninterest income to average assets0.1898%4,530
Noninterest expense to average assets1.3655%5,055
Loan and lease loss provision to assets0.0485%3,057
Net operating income to assets0.9299%3,093
Return on assets (ROA)0.9548%3,083
Pretax return on assets1.1461%3,024
Return on Equity (ROE)11.4733%1,699
Retained earnings to average equity (ytd only)6.1887%1,773
Net charge-offs to loans0.0310%2,777
Credit loss provision to net charge-offs454.5455%638
Earnings coverage of net charge-offs (x)109.0455%636
Efficiency ratio53.9716%4,425
Assets per employee ($millions)11.0068%296
Cash dividends to net income (ytd only)*46.0600%2,272
Condition Ratios (%)
Loss allowance to loans1.4931%1,252
Loan loss allowance to noncurrent loans405.0360%1,169
Noncurrent assets plus other real estate owned to assets0.1263%4,014
Noncurrent loans to loans0.3686%3,125
Net loans and leases to total assets33.7457%4,905
Net loans and leases to deposits37.0724%4,956
Net loans and leases to core deposits51.0164%4,732
Total domestic deposits to total assets91.0264%121
Equity capital to assets8.5861%4,876
Core capital (leverage) ratio7.9969%5,040
Tier 1 risk-based capital ratio19.5751%1,397
Total risk-based capital ratio20.8134%1,366
Memoranda:
Average total assets$206,001,8002,794
Average earning assets$199,340,4002,718
Average equity$17,144,2003,416
Average total loans$71,033,0003,757
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0217%4,318
Cost of funding earning assets1.6066%284
Net interest margin2.4150%5,101
Noninterest income to average assets0.1870%4,599
Noninterest expense to average assets1.3144%5,139
Loan and lease loss provision to assets0.0461%2,981
Net operating income to assets0.9651%3,100
Return on assets (ROA)0.9700%3,162
Pretax return on assets1.1676%3,078
Return on Equity (ROE)11.7567%1,702
Retained earnings to average equity (ytd only)6.5209%2,103
Net charge-offs to loans0.0419%2,256
Credit loss provision to net charge-offs318.1818%921
Earnings coverage of net charge-offs (x)83.3710%838
Efficiency ratio52.1149%4,586
Assets per employee ($millions)10.4132%313
Cash dividends to net income (ytd only)*44.5347%1,943
Condition Ratios (%)
Loss allowance to loans1.4847%1,282
Loan loss allowance to noncurrent loans493.6937%996
Noncurrent assets plus other real estate owned to assets0.1015%4,204
Noncurrent loans to loans0.3007%3,463
Net loans and leases to total assets33.2562%5,001
Net loans and leases to deposits36.6239%5,054
Net loans and leases to core deposits49.1654%4,857
Total domestic deposits to total assets90.8047%123
Equity capital to assets8.6950%4,928
Core capital (leverage) ratio8.1700%5,066
Tier 1 risk-based capital ratio19.5754%1,445
Total risk-based capital ratio20.8151%1,414
Memoranda:
Average total assets$202,468,5002,844
Average earning assets$195,767,5002,761
Average equity$16,705,0003,499
Average total loans$69,938,2503,818
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9952%4,387
Cost of funding earning assets1.6048%260
Net interest margin2.3904%5,168
Noninterest income to average assets0.1908%4,612
Noninterest expense to average assets1.3792%5,170
Loan and lease loss provision to assets0.0507%2,804
Net operating income to assets0.8958%3,303
Return on assets (ROA)0.8728%3,457
Pretax return on assets1.0433%3,408
Return on Equity (ROE)10.7936%2,063
Retained earnings to average equity (ytd only)8.8357%1,083
Net charge-offs to loans0.0641%1,739
Credit loss provision to net charge-offs227.2727%1,099
Earnings coverage of net charge-offs (x)50.2273%1,092
Efficiency ratio55.1542%4,350
Assets per employee ($millions)9.6530%374
Cash dividends to net income (ytd only)*18.1395%3,077
Condition Ratios (%)
Loss allowance to loans1.5179%1,215
Loan loss allowance to noncurrent loans484.6847%1,043
Noncurrent assets plus other real estate owned to assets0.1357%4,080
Noncurrent loans to loans0.3132%3,418
Net loans and leases to total assets34.4395%5,017
Net loans and leases to deposits37.9208%5,079
Net loans and leases to core deposits51.9477%4,820
Total domestic deposits to total assets90.8195%126
Equity capital to assets8.7804%4,910
Core capital (leverage) ratio8.3616%5,036
Tier 1 risk-based capital ratio19.7988%1,387
Total risk-based capital ratio21.0491%1,359
Memoranda:
Average total assets$197,065,3302,897
Average earning assets$190,430,0002,822
Average equity$15,935,3303,584
Average total loans$68,644,3303,866
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8028%4,708
Cost of funding earning assets1.5932%234
Net interest margin2.2096%5,272
Noninterest income to average assets0.1606%4,775
Noninterest expense to average assets1.3756%5,233
Loan and lease loss provision to assets0.0721%2,226
Net operating income to assets0.7153%3,884
Return on assets (ROA)0.7310%3,889
Pretax return on assets0.8649%3,881
Return on Equity (ROE)9.4645%2,603
Retained earnings to average equity (ytd only)9.4645%1,176
Net charge-offs to loans0.1303%962
Credit loss provision to net charge-offs159.0909%1,194
Earnings coverage of net charge-offs (x)20.2727%1,564
Efficiency ratio59.9641%3,809
Assets per employee ($millions)9.8103%361
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.5490%1,188
Loan loss allowance to noncurrent loans47.3027%4,312
Noncurrent assets plus other real estate owned to assets1.1432%1,190
Noncurrent loans to loans3.2746%297
Net loans and leases to total assets34.3695%5,058
Net loans and leases to deposits37.4691%5,123
Net loans and leases to core deposits49.7977%4,898
Total domestic deposits to total assets91.7276%75
Equity capital to assets7.9768%5,188
Core capital (leverage) ratio8.2887%5,108
Tier 1 risk-based capital ratio19.9554%1,346
Total risk-based capital ratio21.2054%1,324
Memoranda:
Average total assets$194,242,0002,955
Average earning assets$187,544,0002,879
Average equity$15,003,5003,699
Average total loans$67,522,0003,931
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7144%4,646
Cost of funding earning assets1.3899%151
Net interest margin2.3245%5,275
Noninterest income to average assets0.1968%4,724
Noninterest expense to average assets1.5117%5,219
Loan and lease loss provision to assets0.0622%2,913
Net operating income to assets0.7310%4,036
Return on assets (ROA)0.7396%4,006
Pretax return on assets0.8775%3,958
Return on Equity (ROE)10.2570%2,416
Retained earnings to average equity (ytd only)-9.2373%5,312
Net charge-offs to loans0.0786%2,006
Credit loss provision to net charge-offs239.5833%1,237
Earnings coverage of net charge-offs (x)35.8125%1,423
Efficiency ratio61.9269%3,542
Assets per employee ($millions)9.6132%382
Cash dividends to net income (ytd only)*190.0585%55
Condition Ratios (%)
Loss allowance to loans1.5733%1,083
Loan loss allowance to noncurrent loans50.7513%4,303
Noncurrent assets plus other real estate owned to assets1.0730%1,261
Noncurrent loans to loans3.1000%319
Net loans and leases to total assets34.0683%5,120
Net loans and leases to deposits36.9151%5,180
Net loans and leases to core deposits50.2254%4,938
Total domestic deposits to total assets92.2882%57
Equity capital to assets7.4668%5,285
Core capital (leverage) ratio8.4220%5,062
Tier 1 risk-based capital ratio19.7861%1,343
Total risk-based capital ratio21.0357%1,312
Memoranda:
Average total assets$184,956,0003,005
Average earning assets$178,577,0002,935
Average equity$13,337,2003,838
Average total loans$61,104,8004,069
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6311%4,752
Cost of funding earning assets1.3352%148
Net interest margin2.2959%5,350
Noninterest income to average assets0.1980%4,789
Noninterest expense to average assets1.4758%5,294
Loan and lease loss provision to assets0.0655%2,663
Net operating income to assets0.7368%4,122
Return on assets (ROA)0.7485%4,090
Pretax return on assets0.8890%4,060
Return on Equity (ROE)10.4768%2,398
Retained earnings to average equity (ytd only)-5.8295%5,329
Net charge-offs to loans0.0335%2,417
Credit loss provision to net charge-offs600.0000%592
Earnings coverage of net charge-offs (x)86.1310%845
Efficiency ratio61.0726%3,654
Assets per employee ($millions)9.9699%338
Cash dividends to net income (ytd only)*155.6423%77
Condition Ratios (%)
Loss allowance to loans1.6061%1,068
Loan loss allowance to noncurrent loans46.2516%4,472
Noncurrent assets plus other real estate owned to assets1.2754%1,080
Noncurrent loans to loans3.4725%280
Net loans and leases to total assets34.1199%5,199
Net loans and leases to deposits36.7298%5,261
Net loans and leases to core deposits50.9058%4,996
Total domestic deposits to total assets92.8944%41
Equity capital to assets6.8242%5,409
Core capital (leverage) ratio8.2913%5,209
Tier 1 risk-based capital ratio19.8125%1,375
Total risk-based capital ratio21.0632%1,341
Memoranda:
Average total assets$183,129,0003,046
Average earning assets$176,946,2502,977
Average equity$13,082,5003,905
Average total loans$59,744,0004,142
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6567%4,674
Cost of funding earning assets1.2399%156
Net interest margin2.4168%5,375
Noninterest income to average assets0.1690%4,979
Noninterest expense to average assets1.4705%5,358
Loan and lease loss provision to assets0.0608%2,685
Net operating income to assets0.8181%3,794
Return on assets (ROA)0.8385%3,724
Pretax return on assets0.9965%3,674
Return on Equity (ROE)11.5575%1,885
Retained earnings to average equity (ytd only)11.5575%580
Net charge-offs to loans0.0519%1,860
Credit loss provision to net charge-offs366.6667%877
Earnings coverage of net charge-offs (x)62.3333%972
Efficiency ratio58.7379%4,123
Assets per employee ($millions)9.5748%368
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.7136%885
Loan loss allowance to noncurrent loans39.8126%4,596
Noncurrent assets plus other real estate owned to assets1.4084%977
Noncurrent loans to loans4.3042%192
Net loans and leases to total assets30.5507%5,309
Net loans and leases to deposits32.9414%5,363
Net loans and leases to core deposits46.0592%5,149
Total domestic deposits to total assets92.7424%44
Equity capital to assets6.8780%5,461
Core capital (leverage) ratio8.4286%5,157
Tier 1 risk-based capital ratio20.2732%1,275
Total risk-based capital ratio21.5236%1,249
Memoranda:
Average total assets$181,029,0003,084
Average earning assets$174,856,3303,013
Average equity$13,134,3303,911
Average total loans$57,762,6704,224
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7989%4,223
Cost of funding earning assets1.1470%181
Net interest margin2.6519%5,288
Noninterest income to average assets0.1707%4,997
Noninterest expense to average assets1.5313%5,370
Loan and lease loss provision to assets0.0569%2,635
Net operating income to assets0.9550%3,052
Return on assets (ROA)0.9852%2,944
Pretax return on assets1.1809%2,839
Return on Equity (ROE)13.2052%1,204
Retained earnings to average equity (ytd only)13.2052%493
Net charge-offs to loans0.1055%1,147
Credit loss provision to net charge-offs166.6667%1,159
Earnings coverage of net charge-offs (x)35.2000%1,140
Efficiency ratio56.0366%4,577
Assets per employee ($millions)9.3315%399
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.7293%895
Loan loss allowance to noncurrent loans40.8753%4,617
Noncurrent assets plus other real estate owned to assets1.4422%990
Noncurrent loans to loans4.2306%220
Net loans and leases to total assets31.7319%5,329
Net loans and leases to deposits34.3867%5,389
Net loans and leases to core deposits46.9765%5,122
Total domestic deposits to total assets92.2797%81
Equity capital to assets7.2951%5,474
Core capital (leverage) ratio8.2963%5,266
Tier 1 risk-based capital ratio20.5564%1,255
Total risk-based capital ratio21.8074%1,237
Memoranda:
Average total assets$175,796,0003,177
Average earning assets$169,839,0003,100
Average equity$13,116,0003,947
Average total loans$56,882,5004,285
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5369%4,723
Cost of funding earning assets1.0313%183
Net interest margin2.5056%5,408
Noninterest income to average assets0.1861%5,030
Noninterest expense to average assets1.5277%5,458
Loan and lease loss provision to assets0.0125%4,040
Net operating income to assets0.7115%3,552
Return on assets (ROA)0.7141%3,595
Pretax return on assets1.0683%3,308
Return on Equity (ROE)8.7725%2,419
Retained earnings to average equity (ytd only)6.1033%1,479
Net charge-offs to loans0.0216%3,384
Credit loss provision to net charge-offs181.8182%1,490
Earnings coverage of net charge-offs (x)157.2727%464
Efficiency ratio58.6520%4,452
Assets per employee ($millions)10.2526%295
Cash dividends to net income (ytd only)*30.4272%3,290
Condition Ratios (%)
Loss allowance to loans1.7341%883
Loan loss allowance to noncurrent loans127.7705%3,110
Noncurrent assets plus other real estate owned to assets0.5261%2,799
Noncurrent loans to loans1.3572%1,287
Net loans and leases to total assets31.8628%5,395
Net loans and leases to deposits34.6237%5,453
Net loans and leases to core deposits46.8191%5,224
Total domestic deposits to total assets92.0261%79
Equity capital to assets7.6296%5,510
Core capital (leverage) ratio8.1173%5,395
Tier 1 risk-based capital ratio20.3999%1,251
Total risk-based capital ratio21.6516%1,219
Memoranda:
Average total assets$160,633,0003,341
Average earning assets$155,052,0003,258
Average equity$13,075,0003,974
Average total loans$51,007,6004,431
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4972%4,819
Cost of funding earning assets1.0028%194
Net interest margin2.4944%5,474
Noninterest income to average assets0.1925%5,052
Noninterest expense to average assets1.5189%5,504
Loan and lease loss provision to assets0.0085%3,959
Net operating income to assets0.7881%3,570
Return on assets (ROA)0.7912%3,613
Pretax return on assets1.0762%3,399
Return on Equity (ROE)9.5549%2,320
Retained earnings to average equity (ytd only)8.0187%1,217
Net charge-offs to loans0.0054%3,541
Credit loss provision to net charge-offs500.0000%627
Earnings coverage of net charge-offs (x)636.1873%162
Efficiency ratio58.4339%4,447
Assets per employee ($millions)9.1821%405
Cash dividends to net income (ytd only)*16.0776%3,291
Condition Ratios (%)
Loss allowance to loans1.8608%764
Loan loss allowance to noncurrent loans127.6762%3,108
Noncurrent assets plus other real estate owned to assets0.4635%3,181
Noncurrent loans to loans1.4575%1,284
Net loans and leases to total assets31.2074%5,471
Net loans and leases to deposits34.1386%5,525
Net loans and leases to core deposits45.2483%5,336
Total domestic deposits to total assets91.4139%112
Equity capital to assets8.1814%5,446
Core capital (leverage) ratio8.4867%5,258
Tier 1 risk-based capital ratio21.9732%1,045
Total risk-based capital ratio23.2269%1,032
Memoranda:
Average total assets$157,217,7503,411
Average earning assets$151,698,2503,335
Average equity$13,019,2504,022
Average total loans$49,630,7504,511
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4273%4,922
Cost of funding earning assets0.9608%211
Net interest margin2.4665%5,528
Noninterest income to average assets0.1903%5,100
Noninterest expense to average assets1.5337%5,544
Loan and lease loss provision to assets0.0129%3,697
Net operating income to assets0.7536%3,622
Return on assets (ROA)0.7584%3,646
Pretax return on assets1.0289%3,452
Return on Equity (ROE)9.1194%2,457
Retained earnings to average equity (ytd only)7.5632%1,324
Net charge-offs to loans0.0123%3,024
Credit loss provision to net charge-offs333.3333%885
Earnings coverage of net charge-offs (x)266.6667%322
Efficiency ratio59.6977%4,361
Assets per employee ($millions)9.3854%364
Cash dividends to net income (ytd only)*17.0648%3,218
Condition Ratios (%)
Loss allowance to loans1.8943%728
Loan loss allowance to noncurrent loans127.6762%3,097
Noncurrent assets plus other real estate owned to assets0.4801%3,169
Noncurrent loans to loans1.4837%1,270
Net loans and leases to total assets31.7460%5,503
Net loans and leases to deposits34.7639%5,559
Net loans and leases to core deposits47.6482%5,295
Total domestic deposits to total assets91.3188%154
Equity capital to assets8.3227%5,399
Core capital (leverage) ratio8.6160%5,129
Tier 1 risk-based capital ratio22.0779%1,044
Total risk-based capital ratio23.3310%1,022
Memoranda:
Average total assets$154,531,0003,462
Average earning assets$149,039,3303,385
Average equity$12,851,6704,056
Average total loans$48,655,3304,563
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2489%5,176
Cost of funding earning assets0.9049%271
Net interest margin2.3440%5,639
Noninterest income to average assets0.1947%5,102
Noninterest expense to average assets1.5524%5,599
Loan and lease loss provision to assets0.0132%3,395
Net operating income to assets0.6710%3,833
Return on assets (ROA)0.6710%3,872
Pretax return on assets0.8920%3,802
Return on Equity (ROE)8.0709%2,888
Retained earnings to average equity (ytd only)8.0709%1,430
Net charge-offs to loans0.0254%2,248
Credit loss provision to net charge-offs166.6667%1,134
Earnings coverage of net charge-offs (x)114.6667%477
Efficiency ratio63.1692%3,960
Assets per employee ($millions)9.0749%417
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans2.0803%576
Loan loss allowance to noncurrent loans90.4275%3,795
Noncurrent assets plus other real estate owned to assets0.6975%2,548
Noncurrent loans to loans2.3005%719
Net loans and leases to total assets29.6870%5,596
Net loans and leases to deposits32.5072%5,646
Net loans and leases to core deposits43.7456%5,419
Total domestic deposits to total assets91.3245%205
Equity capital to assets8.3281%5,342
Core capital (leverage) ratio8.7393%5,008
Tier 1 risk-based capital ratio23.7099%895
Total risk-based capital ratio24.9647%878
Memoranda:
Average total assets$152,021,0003,529
Average earning assets$146,756,0003,440
Average equity$12,638,0004,115
Average total loans$47,168,5004,644
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3554%5,065
Cost of funding earning assets0.8319%424
Net interest margin2.5235%5,572
Noninterest income to average assets0.2535%4,903
Noninterest expense to average assets1.8003%5,470
Loan and lease loss provision to assets0.0141%4,098
Net operating income to assets0.6414%4,035
Return on assets (ROA)0.7161%3,826
Pretax return on assets0.9775%3,551
Return on Equity (ROE)8.1534%2,861
Retained earnings to average equity (ytd only)8.1534%800
Net charge-offs to loans-0.0104%4,945
Credit loss provision to net charge-offs-400.0000%5,130
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.9380%3,449
Assets per employee ($millions)8.8099%447
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans2.0393%606
Loan loss allowance to noncurrent loans38.2945%4,933
Noncurrent assets plus other real estate owned to assets1.6913%911
Noncurrent loans to loans5.3253%138
Net loans and leases to total assets31.1112%5,621
Net loans and leases to deposits34.4007%5,671
Net loans and leases to core deposits44.9811%5,466
Total domestic deposits to total assets90.4379%468
Equity capital to assets8.2981%5,419
Core capital (leverage) ratio8.7802%4,991
Tier 1 risk-based capital ratio23.8510%879
Total risk-based capital ratio25.1068%864
Memoranda:
Average total assets$141,591,0003,647
Average earning assets$136,674,2003,542
Average equity$12,436,6004,185
Average total loans$48,218,2004,629
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3953%5,032
Cost of funding earning assets0.8184%453
Net interest margin2.5769%5,603
Noninterest income to average assets0.2647%4,879
Noninterest expense to average assets1.8364%5,470
Loan and lease loss provision to assets0.0143%3,965
Net operating income to assets0.6406%4,121
Return on assets (ROA)0.7376%3,791
Pretax return on assets1.0386%3,479
Return on Equity (ROE)8.2750%2,867
Retained earnings to average equity (ytd only)8.2750%1,055
Net charge-offs to loans-0.0110%4,798
Credit loss provision to net charge-offs-375.0000%4,997
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.7129%3,469
Assets per employee ($millions)8.1077%567
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans2.0460%666
Loan loss allowance to noncurrent loans28.4158%5,210
Noncurrent assets plus other real estate owned to assets2.3270%609
Noncurrent loans to loans7.2003%80
Net loans and leases to total assets31.6571%5,686
Net loans and leases to deposits34.8671%5,742
Net loans and leases to core deposits45.7204%5,520
Total domestic deposits to total assets90.7934%245
Equity capital to assets8.7831%5,330
Core capital (leverage) ratio8.9452%4,886
Tier 1 risk-based capital ratio23.9244%911
Total risk-based capital ratio25.1799%889
Memoranda:
Average total assets$139,546,5003,703
Average earning assets$134,733,2503,595
Average equity$12,438,7504,215
Average total loans$48,381,5004,661
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4379%5,009
Cost of funding earning assets0.7886%521
Net interest margin2.6493%5,620
Noninterest income to average assets0.2751%4,818
Noninterest expense to average assets1.8630%5,514
Loan and lease loss provision to assets0.0218%3,690
Net operating income to assets0.6676%3,968
Return on assets (ROA)0.7626%3,635
Pretax return on assets1.0814%3,276
Return on Equity (ROE)8.5118%2,742
Retained earnings to average equity (ytd only)8.5118%1,006
Net charge-offs to loans-0.0041%4,483
Credit loss provision to net charge-offs-1,500.0000%5,163
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.7760%3,712
Assets per employee ($millions)6.3923%1,140
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans2.0858%631
Loan loss allowance to noncurrent loans26.0705%5,335
Noncurrent assets plus other real estate owned to assets2.6239%504
Noncurrent loans to loans8.0005%70
Net loans and leases to total assets32.1124%5,739
Net loans and leases to deposits35.4235%5,798
Net loans and leases to core deposits46.4547%5,548
Total domestic deposits to total assets90.6528%274
Equity capital to assets8.9603%5,266
Core capital (leverage) ratio9.1827%4,622
Tier 1 risk-based capital ratio22.7643%1,044
Total risk-based capital ratio24.0190%1,022
Memoranda:
Average total assets$137,415,6703,764
Average earning assets$132,641,0003,651
Average equity$12,312,3304,263
Average total loans$48,787,0004,686
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5078%4,876
Cost of funding earning assets0.7741%566
Net interest margin2.7337%5,564
Noninterest income to average assets0.3299%4,370
Noninterest expense to average assets1.9145%5,504
Loan and lease loss provision to assets0.0442%3,037
Net operating income to assets0.7116%3,656
Return on assets (ROA)0.7982%3,373
Pretax return on assets1.1369%2,948
Return on Equity (ROE)8.9086%2,465
Retained earnings to average equity (ytd only)8.9086%1,141
Net charge-offs to loans-0.0080%4,446
Credit loss provision to net charge-offs-1,500.0000%4,811
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.4202%4,056
Assets per employee ($millions)6.9106%928
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.9993%819
Loan loss allowance to noncurrent loans30.6077%5,279
Noncurrent assets plus other real estate owned to assets2.2741%702
Noncurrent loans to loans6.5320%120
Net loans and leases to total assets34.1181%5,711
Net loans and leases to deposits37.6244%5,792
Net loans and leases to core deposits47.3820%5,537
Total domestic deposits to total assets90.6809%369
Equity capital to assets8.9284%5,245
Core capital (leverage) ratio9.1196%4,708
Tier 1 risk-based capital ratio23.8712%926
Total risk-based capital ratio25.1284%916
Memoranda:
Average total assets$135,808,0003,807
Average earning assets$131,249,0003,695
Average equity$12,168,0004,306
Average total loans$50,119,5004,671
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7178%4,319
Cost of funding earning assets0.7439%660
Net interest margin2.9739%5,198
Noninterest income to average assets0.2461%5,125
Noninterest expense to average assets1.9740%5,507
Loan and lease loss provision to assets0.0469%3,387
Net operating income to assets0.7643%3,500
Return on assets (ROA)0.7741%3,526
Pretax return on assets1.1030%3,042
Return on Equity (ROE)8.5963%2,673
Retained earnings to average equity (ytd only)7.3819%1,133
Net charge-offs to loans-0.0060%5,007
Credit loss provision to net charge-offs-2,000.0000%5,645
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.4765%4,372
Assets per employee ($millions)6.6703%1,016
Cash dividends to net income (ytd only)*14.1271%3,980
Condition Ratios (%)
Loss allowance to loans1.8169%1,104
Loan loss allowance to noncurrent loans78.4590%4,171
Noncurrent assets plus other real estate owned to assets0.9048%2,398
Noncurrent loans to loans2.3157%830
Net loans and leases to total assets38.3606%5,605
Net loans and leases to deposits42.9004%5,684
Net loans and leases to core deposits54.7461%5,270
Total domestic deposits to total assets89.4179%903
Equity capital to assets8.9922%5,132
Core capital (leverage) ratio8.9431%4,952
Tier 1 risk-based capital ratio22.0545%1,135
Total risk-based capital ratio23.3103%1,113
Memoranda:
Average total assets$128,012,0003,933
Average earning assets$123,272,0003,811
Average equity$11,528,2004,389
Average total loans$50,378,4004,657
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6950%4,438
Cost of funding earning assets0.7436%671
Net interest margin2.9514%5,304
Noninterest income to average assets0.2474%5,161
Noninterest expense to average assets1.9684%5,535
Loan and lease loss provision to assets0.0526%3,144
Net operating income to assets0.7497%3,683
Return on assets (ROA)0.7600%3,734
Pretax return on assets1.0821%3,305
Return on Equity (ROE)8.4359%2,852
Retained earnings to average equity (ytd only)6.8001%1,789
Net charge-offs to loans-0.0053%4,844
Credit loss provision to net charge-offs-2,500.0000%5,626
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.7355%4,295
Assets per employee ($millions)6.6604%995
Cash dividends to net income (ytd only)*19.3904%3,244
Condition Ratios (%)
Loss allowance to loans1.8012%1,261
Loan loss allowance to noncurrent loans63.2184%4,595
Noncurrent assets plus other real estate owned to assets1.1103%2,134
Noncurrent loans to loans2.8492%643
Net loans and leases to total assets38.2668%5,686
Net loans and leases to deposits43.9189%5,727
Net loans and leases to core deposits53.0830%5,457
Total domestic deposits to total assets87.1306%1,965
Equity capital to assets8.8524%5,438
Core capital (leverage) ratio8.8668%5,160
Tier 1 risk-based capital ratio20.6884%1,403
Total risk-based capital ratio21.9427%1,370
Memoranda:
Average total assets$126,663,7503,998
Average earning assets$121,927,0003,882
Average equity$11,411,2504,454
Average total loans$49,942,5004,718
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7075%4,383
Cost of funding earning assets0.7502%645
Net interest margin2.9573%5,323
Noninterest income to average assets0.2281%5,335
Noninterest expense to average assets2.0180%5,493
Loan and lease loss provision to assets0.0482%3,157
Net operating income to assets0.7085%3,851
Return on assets (ROA)0.7198%3,913
Pretax return on assets1.0218%3,490
Return on Equity (ROE)7.9402%3,092
Retained earnings to average equity (ytd only)7.9402%1,291
Net charge-offs to loans-0.0041%4,696
Credit loss provision to net charge-offs-3,000.0000%5,524
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.6904%4,073
Assets per employee ($millions)6.4662%1,070
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.7913%1,386
Loan loss allowance to noncurrent loans76.1032%4,316
Noncurrent assets plus other real estate owned to assets0.9287%2,677
Noncurrent loans to loans2.3538%994
Net loans and leases to total assets38.7479%5,703
Net loans and leases to deposits44.5755%5,740
Net loans and leases to core deposits53.7903%5,435
Total domestic deposits to total assets86.9265%2,203
Equity capital to assets8.9721%5,260
Core capital (leverage) ratio9.1466%4,758
Tier 1 risk-based capital ratio21.7525%1,239
Total risk-based capital ratio23.0078%1,225
Memoranda:
Average total assets$124,482,6704,064
Average earning assets$119,704,0003,950
Average equity$11,284,3304,512
Average total loans$49,287,0004,777
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6821%4,429
Cost of funding earning assets0.7603%619
Net interest margin2.9218%5,402
Noninterest income to average assets0.2622%5,079
Noninterest expense to average assets2.0678%5,453
Loan and lease loss provision to assets0.0655%2,627
Net operating income to assets0.6652%3,978
Return on assets (ROA)0.6652%4,101
Pretax return on assets0.9372%3,755
Return on Equity (ROE)7.2989%3,333
Retained earnings to average equity (ytd only)7.2989%1,858
Net charge-offs to loans-0.0083%4,643
Credit loss provision to net charge-offs-2,000.0000%5,129
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3426%3,930
Assets per employee ($millions)6.2174%1,248
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.8650%1,357
Loan loss allowance to noncurrent loans74.6491%4,311
Noncurrent assets plus other real estate owned to assets0.9739%2,671
Noncurrent loans to loans2.4983%967
Net loans and leases to total assets38.2550%5,713
Net loans and leases to deposits44.1956%5,750
Net loans and leases to core deposits54.3907%5,348
Total domestic deposits to total assets86.5586%2,627
Equity capital to assets9.1888%5,102
Core capital (leverage) ratio9.2845%4,600
Tier 1 risk-based capital ratio22.6047%1,154
Total risk-based capital ratio23.8536%1,144
Memoranda:
Average total assets$122,062,5004,144
Average earning assets$117,324,5004,030
Average equity$11,125,0004,574
Average total loans$48,418,5004,832
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9575%3,884
Cost of funding earning assets0.7767%736
Net interest margin3.1808%4,983
Noninterest income to average assets0.3538%4,575
Noninterest expense to average assets2.0753%5,626
Loan and lease loss provision to assets0.0702%3,080
Net operating income to assets0.8808%2,968
Return on assets (ROA)0.8814%3,052
Pretax return on assets1.2580%2,405
Return on Equity (ROE)9.7308%2,237
Retained earnings to average equity (ytd only)8.3933%873
Net charge-offs to loans0.0566%3,699
Credit loss provision to net charge-offs307.6923%845
Earnings coverage of net charge-offs (x)58.1538%810
Efficiency ratio60.9907%5,072
Assets per employee ($millions)5.9889%1,385
Cash dividends to net income (ytd only)*13.7450%4,015
Condition Ratios (%)
Loss allowance to loans1.8257%1,481
Loan loss allowance to noncurrent loans72.9149%4,430
Noncurrent assets plus other real estate owned to assets1.0110%2,731
Noncurrent loans to loans2.5039%1,013
Net loans and leases to total assets39.6408%5,770
Net loans and leases to deposits45.7838%5,802
Net loans and leases to core deposits57.3054%5,290
Total domestic deposits to total assets86.5827%2,520
Equity capital to assets9.0367%5,245
Core capital (leverage) ratio9.0538%4,899
Tier 1 risk-based capital ratio21.6140%1,289
Total risk-based capital ratio22.8717%1,265
Memoranda:
Average total assets$113,913,4004,303
Average earning assets$109,185,2004,200
Average equity$10,317,8004,688
Average total loans$45,910,6004,960
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9950%3,781
Cost of funding earning assets0.7695%799
Net interest margin3.2255%4,875
Noninterest income to average assets0.3759%4,426
Noninterest expense to average assets2.0916%5,590
Loan and lease loss provision to assets0.0771%2,800
Net operating income to assets0.9059%2,886
Return on assets (ROA)0.9059%2,978
Pretax return on assets1.2936%2,398
Return on Equity (ROE)9.9952%2,220
Retained earnings to average equity (ytd only)9.9952%711
Net charge-offs to loans0.0765%3,106
Credit loss provision to net charge-offs250.0000%1,043
Earnings coverage of net charge-offs (x)44.4560%1,054
Efficiency ratio60.4110%5,125
Assets per employee ($millions)6.6801%924
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.8476%1,580
Loan loss allowance to noncurrent loans92.9260%3,844
Noncurrent assets plus other real estate owned to assets0.8216%3,367
Noncurrent loans to loans1.9882%1,599
Net loans and leases to total assets40.5593%5,784
Net loans and leases to deposits47.9782%5,762
Net loans and leases to core deposits60.2186%5,175
Total domestic deposits to total assets84.5371%3,531
Equity capital to assets9.4415%4,871
Core capital (leverage) ratio9.3222%4,614
Tier 1 risk-based capital ratio21.6198%1,320
Total risk-based capital ratio22.8776%1,301
Memoranda:
Average total assets$112,447,2504,371
Average earning assets$107,598,0004,274
Average equity$10,191,2504,746
Average total loans$45,297,2505,034
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0180%3,660
Cost of funding earning assets0.7719%822
Net interest margin3.2461%4,794
Noninterest income to average assets0.3962%4,269
Noninterest expense to average assets2.1200%5,588
Loan and lease loss provision to assets0.0892%2,538
Net operating income to assets0.9065%2,772
Return on assets (ROA)0.9065%2,873
Pretax return on assets1.2938%2,273
Return on Equity (ROE)10.1455%2,084
Retained earnings to average equity (ytd only)10.1455%689
Net charge-offs to loans-0.0045%5,156
Credit loss provision to net charge-offs-5,000.0000%5,909
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.5196%5,219
Assets per employee ($millions)5.5883%1,615
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.9300%1,511
Loan loss allowance to noncurrent loans100.8018%3,627
Noncurrent assets plus other real estate owned to assets0.7811%3,624
Noncurrent loans to loans1.9146%1,780
Net loans and leases to total assets40.0089%5,817
Net loans and leases to deposits46.5462%5,851
Net loans and leases to core deposits58.5901%5,227
Total domestic deposits to total assets85.9554%3,061
Equity capital to assets9.3643%4,888
Core capital (leverage) ratio9.1531%4,815
Tier 1 risk-based capital ratio21.2706%1,394
Total risk-based capital ratio22.5264%1,366
Memoranda:
Average total assets$112,075,6704,412
Average earning assets$107,267,3304,301
Average equity$10,014,3304,805
Average total loans$44,754,0005,088
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0212%3,602
Cost of funding earning assets0.7752%859
Net interest margin3.2460%4,752
Noninterest income to average assets0.2174%5,616
Noninterest expense to average assets2.1242%5,630
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.8447%2,931
Return on assets (ROA)0.8447%3,007
Pretax return on assets1.1975%2,494
Return on Equity (ROE)9.6848%2,163
Retained earnings to average equity (ytd only)9.6848%1,052
Net charge-offs to loans-0.0090%5,016
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9485%4,867
Assets per employee ($millions)6.6309%954
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.8362%1,941
Loan loss allowance to noncurrent loans104.2714%3,518
Noncurrent assets plus other real estate owned to assets0.7061%3,993
Noncurrent loans to loans1.7609%2,191
Net loans and leases to total assets39.3636%5,853
Net loans and leases to deposits45.6043%5,878
Net loans and leases to core deposits55.3597%5,406
Total domestic deposits to total assets86.3155%3,202
Equity capital to assets8.8019%5,334
Core capital (leverage) ratio8.7889%5,278
Tier 1 risk-based capital ratio20.8258%1,507
Total risk-based capital ratio22.0839%1,482
Memoranda:
Average total assets$112,231,0004,440
Average earning assets$107,330,5004,336
Average equity$9,788,5004,874
Average total loans$44,333,0005,152
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9310%4,348
Cost of funding earning assets0.8003%1,207
Net interest margin3.1307%5,223
Noninterest income to average assets0.3102%5,117
Noninterest expense to average assets2.0984%5,834
Loan and lease loss provision to assets0.0469%4,185
Net operating income to assets0.8159%3,213
Return on assets (ROA)0.8173%3,302
Pretax return on assets1.1622%2,724
Return on Equity (ROE)9.4225%2,360
Retained earnings to average equity (ytd only)8.1583%1,004
Net charge-offs to loans-0.0073%5,982
Credit loss provision to net charge-offs-1,666.6667%6,294
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.4817%4,990
Assets per employee ($millions)6.2076%1,140
Cash dividends to net income (ytd only)*13.4174%3,930
Condition Ratios (%)
Loss allowance to loans1.9074%1,767
Loan loss allowance to noncurrent loans103.7547%3,533
Noncurrent assets plus other real estate owned to assets0.7151%4,100
Noncurrent loans to loans1.8383%2,185
Net loans and leases to total assets38.1560%6,080
Net loans and leases to deposits44.0721%6,117
Net loans and leases to core deposits54.6247%5,636
Total domestic deposits to total assets86.5764%2,956
Equity capital to assets8.6409%5,434
Core capital (leverage) ratio8.6477%5,481
Tier 1 risk-based capital ratio20.9074%1,437
Total risk-based capital ratio22.1645%1,417
Memoranda:
Average total assets$106,698,6004,572
Average earning assets$102,085,6004,458
Average equity$9,254,4005,029
Average total loans$41,347,0005,292
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8813%4,571
Cost of funding earning assets0.8070%1,285
Net interest margin3.0744%5,387
Noninterest income to average assets0.3364%5,004
Noninterest expense to average assets2.0928%5,845
Loan and lease loss provision to assets0.0379%4,250
Net operating income to assets0.8046%3,324
Return on assets (ROA)0.8055%3,451
Pretax return on assets1.1457%2,915
Return on Equity (ROE)9.2778%2,505
Retained earnings to average equity (ytd only)9.2778%975
Net charge-offs to loans-0.0065%5,821
Credit loss provision to net charge-offs-1,500.0000%6,241
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8996%4,812
Assets per employee ($millions)6.0219%1,229
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.9407%1,884
Loan loss allowance to noncurrent loans92.2374%3,677
Noncurrent assets plus other real estate owned to assets0.8082%4,083
Noncurrent loans to loans2.1040%2,125
Net loans and leases to total assets37.6654%6,187
Net loans and leases to deposits43.6503%6,221
Net loans and leases to core deposits53.1159%5,822
Total domestic deposits to total assets86.2889%3,085
Equity capital to assets8.7477%5,472
Core capital (leverage) ratio8.8274%5,366
Tier 1 risk-based capital ratio20.5612%1,590
Total risk-based capital ratio21.8157%1,560
Memoranda:
Average total assets$105,439,2504,655
Average earning assets$100,787,5004,533
Average equity$9,154,2505,101
Average total loans$40,818,0005,361
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8399%4,694
Cost of funding earning assets0.7976%1,429
Net interest margin3.0423%5,456
Noninterest income to average assets0.3485%4,902
Noninterest expense to average assets2.1062%5,858
Loan and lease loss provision to assets0.0574%3,855
Net operating income to assets0.7569%3,528
Return on assets (ROA)0.7582%3,674
Pretax return on assets1.0933%3,116
Return on Equity (ROE)8.7562%2,731
Retained earnings to average equity (ytd only)8.7562%1,197
Net charge-offs to loans0.1036%3,323
Credit loss provision to net charge-offs142.8571%1,591
Earnings coverage of net charge-offs (x)28.5714%1,182
Efficiency ratio64.7059%4,755
Assets per employee ($millions)5.4504%1,629
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.8925%2,132
Loan loss allowance to noncurrent loans102.8834%3,387
Noncurrent assets plus other real estate owned to assets0.7368%4,373
Noncurrent loans to loans1.8394%2,582
Net loans and leases to total assets39.2972%6,091
Net loans and leases to deposits46.0669%6,100
Net loans and leases to core deposits54.4211%5,718
Total domestic deposits to total assets85.3047%3,739
Equity capital to assets8.9130%5,309
Core capital (leverage) ratio8.5159%5,653
Tier 1 risk-based capital ratio20.4152%1,628
Total risk-based capital ratio21.6712%1,599
Memoranda:
Average total assets$104,454,3304,716
Average earning assets$99,794,0004,589
Average equity$9,045,0005,161
Average total loans$40,545,6705,403
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7695%4,923
Cost of funding earning assets0.7995%1,530
Net interest margin2.9700%5,655
Noninterest income to average assets0.3470%4,907
Noninterest expense to average assets2.0743%5,966
Loan and lease loss provision to assets0.0763%3,359
Net operating income to assets0.7218%3,581
Return on assets (ROA)0.7245%3,704
Pretax return on assets1.0333%3,213
Return on Equity (ROE)8.4892%2,722
Retained earnings to average equity (ytd only)8.4892%1,565
Net charge-offs to loans-0.0100%5,438
Credit loss provision to net charge-offs-2,000.0000%5,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2278%4,790
Assets per employee ($millions)5.9291%1,310
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.0033%2,036
Loan loss allowance to noncurrent loans101.5287%3,313
Noncurrent assets plus other real estate owned to assets0.7355%4,532
Noncurrent loans to loans1.9732%2,646
Net loans and leases to total assets36.5310%6,258
Net loans and leases to deposits42.2417%6,303
Net loans and leases to core deposits52.1523%5,812
Total domestic deposits to total assets86.4809%3,248
Equity capital to assets8.5614%5,949
Core capital (leverage) ratio8.5554%5,503
Tier 1 risk-based capital ratio20.3329%1,691
Total risk-based capital ratio21.5876%1,663
Memoranda:
Average total assets$104,903,0004,747
Average earning assets$100,067,0004,622
Average equity$8,952,5005,229
Average total loans$40,078,5005,459
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1426%4,794
Cost of funding earning assets0.9994%1,365
Net interest margin3.1432%5,714
Noninterest income to average assets0.2638%5,574
Noninterest expense to average assets2.1814%5,958
Loan and lease loss provision to assets0.1679%3,518
Net operating income to assets0.6457%4,014
Return on assets (ROA)0.7153%3,923
Pretax return on assets1.0324%3,422
Return on Equity (ROE)8.5251%2,855
Retained earnings to average equity (ytd only)7.5948%1,285
Net charge-offs to loans0.6979%1,694
Credit loss provision to net charge-offs65.1341%4,316
Earnings coverage of net charge-offs (x)4.2644%3,425
Efficiency ratio66.4860%4,415
Assets per employee ($millions)5.7268%1,494
Cash dividends to net income (ytd only)*10.9116%4,047
Condition Ratios (%)
Loss allowance to loans1.9221%2,225
Loan loss allowance to noncurrent loans98.8535%3,353
Noncurrent assets plus other real estate owned to assets0.7615%4,566
Noncurrent loans to loans1.9444%2,752
Net loans and leases to total assets38.4127%6,270
Net loans and leases to deposits44.4840%6,342
Net loans and leases to core deposits55.5443%5,751
Total domestic deposits to total assets86.3518%3,178
Equity capital to assets8.5058%6,049
Core capital (leverage) ratio8.2245%5,972
Tier 1 risk-based capital ratio19.6244%1,778
Total risk-based capital ratio20.8506%1,752
Memoranda:
Average total assets$101,221,2004,801
Average earning assets$97,160,6004,661
Average equity$8,492,6005,363
Average total loans$37,395,6005,615
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1857%4,869
Cost of funding earning assets1.0533%1,266
Net interest margin3.1324%5,860
Noninterest income to average assets0.2289%5,910
Noninterest expense to average assets2.2139%5,924
Loan and lease loss provision to assets0.2051%3,023
Net operating income to assets0.5718%4,513
Return on assets (ROA)0.6577%4,371
Pretax return on assets0.9488%3,922
Return on Equity (ROE)7.8664%3,340
Retained earnings to average equity (ytd only)7.8664%1,676
Net charge-offs to loans0.9567%1,122
Credit loss provision to net charge-offs58.9354%4,176
Earnings coverage of net charge-offs (x)2.9582%3,842
Efficiency ratio68.2579%4,007
Assets per employee ($millions)5.4158%1,716
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.9562%2,304
Loan loss allowance to noncurrent loans70.4735%4,203
Noncurrent assets plus other real estate owned to assets1.0466%4,205
Noncurrent loans to loans2.7758%2,027
Net loans and leases to total assets36.9685%6,484
Net loans and leases to deposits42.8071%6,561
Net loans and leases to core deposits55.7582%5,911
Total domestic deposits to total assets86.3607%3,056
Equity capital to assets8.4197%6,332
Core capital (leverage) ratio8.4154%5,880
Tier 1 risk-based capital ratio19.9164%1,781
Total risk-based capital ratio21.1732%1,758
Memoranda:
Average total assets$100,755,7504,862
Average earning assets$96,962,7504,714
Average equity$8,423,7505,432
Average total loans$36,651,2505,722
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2862%4,624
Cost of funding earning assets1.1037%1,208
Net interest margin3.1826%5,793
Noninterest income to average assets0.2059%6,089
Noninterest expense to average assets2.1951%6,023
Loan and lease loss provision to assets0.2299%2,772
Net operating income to assets0.5886%4,416
Return on assets (ROA)0.6617%4,315
Pretax return on assets0.9596%3,850
Return on Equity (ROE)7.9342%3,289
Retained earnings to average equity (ytd only)7.9342%1,663
Net charge-offs to loans1.1743%923
Credit loss provision to net charge-offs54.5024%3,941
Earnings coverage of net charge-offs (x)2.5687%3,727
Efficiency ratio66.9512%4,327
Assets per employee ($millions)5.3706%1,739
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.0266%2,162
Loan loss allowance to noncurrent loans77.8002%3,880
Noncurrent assets plus other real estate owned to assets0.9712%4,431
Noncurrent loans to loans2.6049%2,306
Net loans and leases to total assets36.5271%6,581
Net loans and leases to deposits42.2228%6,634
Net loans and leases to core deposits57.9809%5,775
Total domestic deposits to total assets86.5105%3,065
Equity capital to assets8.3191%6,362
Core capital (leverage) ratio8.0744%6,188
Tier 1 risk-based capital ratio20.6332%1,543
Total risk-based capital ratio21.8915%1,523
Memoranda:
Average total assets$100,040,6704,897
Average earning assets$96,588,3304,744
Average equity$8,343,6705,466
Average total loans$35,935,0005,788
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3474%4,529
Cost of funding earning assets1.1088%1,353
Net interest margin3.2386%5,672
Noninterest income to average assets0.1817%6,292
Noninterest expense to average assets2.0194%6,427
Loan and lease loss provision to assets0.3433%1,822
Net operating income to assets0.6501%4,119
Return on assets (ROA)0.6947%4,132
Pretax return on assets1.0097%3,644
Return on Equity (ROE)8.3182%3,133
Retained earnings to average equity (ytd only)8.3182%1,853
Net charge-offs to loans2.4197%347
Credit loss provision to net charge-offs40.2844%3,447
Earnings coverage of net charge-offs (x)1.5118%3,570
Efficiency ratio61.0501%5,447
Assets per employee ($millions)5.9749%1,297
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.1020%2,099
Loan loss allowance to noncurrent loans46.9582%5,257
Noncurrent assets plus other real estate owned to assets1.5536%3,531
Noncurrent loans to loans4.4763%1,311
Net loans and leases to total assets33.9765%6,742
Net loans and leases to deposits40.4664%6,718
Net loans and leases to core deposits56.2793%5,884
Total domestic deposits to total assets83.9623%4,508
Equity capital to assets8.2423%6,324
Core capital (leverage) ratio8.3798%5,762
Tier 1 risk-based capital ratio22.7184%1,169
Total risk-based capital ratio23.9993%1,145
Memoranda:
Average total assets$99,040,0004,957
Average earning assets$95,598,0004,800
Average equity$8,271,0005,507
Average total loans$34,880,5005,876
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6050%4,660
Cost of funding earning assets1.2605%1,677
Net interest margin3.3445%5,668
Noninterest income to average assets0.1637%6,321
Noninterest expense to average assets2.0875%6,515
Loan and lease loss provision to assets0.2783%3,439
Net operating income to assets0.7004%3,488
Return on assets (ROA)0.7337%3,500
Pretax return on assets1.0755%2,929
Return on Equity (ROE)8.4241%2,706
Retained earnings to average equity (ytd only)6.3660%1,823
Net charge-offs to loans0.2619%4,134
Credit loss provision to net charge-offs287.3563%824
Earnings coverage of net charge-offs (x)13.4713%1,539
Efficiency ratio61.5359%5,531
Assets per employee ($millions)6.0317%1,212
Cash dividends to net income (ytd only)*24.4310%3,348
Condition Ratios (%)
Loss allowance to loans2.5124%1,301
Loan loss allowance to noncurrent loans54.6314%4,774
Noncurrent assets plus other real estate owned to assets1.6444%3,489
Noncurrent loans to loans4.5988%1,296
Net loans and leases to total assets34.8596%6,824
Net loans and leases to deposits40.5540%6,852
Net loans and leases to core deposits58.3242%5,982
Total domestic deposits to total assets85.9585%3,344
Equity capital to assets8.4657%6,185
Core capital (leverage) ratio8.3005%5,855
Tier 1 risk-based capital ratio23.3358%1,059
Total risk-based capital ratio24.6299%1,031
Memoranda:
Average total assets$89,820,6005,187
Average earning assets$86,710,6005,036
Average equity$7,822,8005,624
Average total loans$33,212,8005,997
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7161%4,378
Cost of funding earning assets1.2863%1,779
Net interest margin3.4297%5,467
Noninterest income to average assets0.1271%6,618
Noninterest expense to average assets2.2582%6,154
Loan and lease loss provision to assets0.3403%2,843
Net operating income to assets0.5740%4,201
Return on assets (ROA)0.6111%4,222
Pretax return on assets0.8939%3,790
Return on Equity (ROE)6.9629%3,542
Retained earnings to average equity (ytd only)5.6013%2,788
Net charge-offs to loans0.3567%3,308
Credit loss provision to net charge-offs255.6818%1,118
Earnings coverage of net charge-offs (x)8.8636%2,116
Efficiency ratio65.6841%4,778
Assets per employee ($millions)5.7106%1,418
Cash dividends to net income (ytd only)*19.5544%2,947
Condition Ratios (%)
Loss allowance to loans2.4435%1,473
Loan loss allowance to noncurrent loans115.6593%2,584
Noncurrent assets plus other real estate owned to assets0.7968%5,174
Noncurrent loans to loans2.1127%3,228
Net loans and leases to total assets36.7926%6,833
Net loans and leases to deposits43.0766%6,873
Net loans and leases to core deposits63.9350%5,623
Total domestic deposits to total assets85.4119%3,546
Equity capital to assets8.7874%5,992
Core capital (leverage) ratio8.4309%5,804
Tier 1 risk-based capital ratio22.6755%1,190
Total risk-based capital ratio23.9434%1,165
Memoranda:
Average total assets$88,149,0005,264
Average earning assets$85,097,0005,117
Average equity$7,736,0005,682
Average total loans$32,888,7506,080
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7551%4,266
Cost of funding earning assets1.3113%1,871
Net interest margin3.4438%5,391
Noninterest income to average assets0.1194%6,734
Noninterest expense to average assets2.3129%6,088
Loan and lease loss provision to assets0.3445%2,717
Net operating income to assets0.7855%3,135
Return on assets (ROA)0.8636%2,891
Pretax return on assets0.8636%3,784
Return on Equity (ROE)9.8451%2,174
Retained earnings to average equity (ytd only)7.7766%1,540
Net charge-offs to loans0.4882%2,638
Credit loss provision to net charge-offs189.8734%1,593
Earnings coverage of net charge-offs (x)6.2278%2,439
Efficiency ratio67.1781%4,667
Assets per employee ($millions)5.4939%1,572
Cash dividends to net income (ytd only)*21.0106%2,820
Condition Ratios (%)
Loss allowance to loans2.3322%1,697
Loan loss allowance to noncurrent loans19,375.0000%30
Noncurrent assets plus other real estate owned to assets0.0046%7,124
Noncurrent loans to loans0.0120%6,979
Net loans and leases to total assets36.9225%6,915
Net loans and leases to deposits44.0781%6,920
Net loans and leases to core deposits62.0253%5,895
Total domestic deposits to total assets83.7662%4,444
Equity capital to assets9.0179%5,557
Core capital (leverage) ratio8.9052%4,870
Tier 1 risk-based capital ratio23.6329%1,046
Total risk-based capital ratio24.9255%1,026
Memoranda:
Average total assets$87,075,6705,342
Average earning assets$84,036,0005,197
Average equity$7,638,3305,723
Average total loans$32,365,3306,172
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5910%4,989
Cost of funding earning assets1.3356%1,978
Net interest margin3.2553%5,909
Noninterest income to average assets0.0785%7,002
Noninterest expense to average assets2.3724%5,972
Loan and lease loss provision to assets0.3462%2,489
Net operating income to assets0.4985%4,496
Return on assets (ROA)0.5539%4,342
Pretax return on assets0.5539%4,850
Return on Equity (ROE)6.4051%3,672
Retained earnings to average equity (ytd only)6.4051%2,419
Net charge-offs to loans0.7015%1,813
Credit loss provision to net charge-offs133.9286%2,068
Earnings coverage of net charge-offs (x)3.2679%2,798
Efficiency ratio73.7446%3,558
Assets per employee ($millions)5.3001%1,766
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.2823%1,794
Loan loss allowance to noncurrent loans1,446.0000%282
Noncurrent assets plus other real estate owned to assets0.0590%7,012
Noncurrent loans to loans0.1578%6,660
Net loans and leases to total assets36.5039%6,981
Net loans and leases to deposits42.9390%6,990
Net loans and leases to core deposits62.9315%5,834
Total domestic deposits to total assets85.0133%4,024
Equity capital to assets8.9503%5,284
Core capital (leverage) ratio8.7109%5,073
Tier 1 risk-based capital ratio22.9801%1,084
Total risk-based capital ratio24.2326%1,071
Memoranda:
Average total assets$86,662,0005,389
Average earning assets$83,555,0005,248
Average equity$7,494,0005,777
Average total loans$31,932,5006,245
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9029%5,020
Cost of funding earning assets1.5829%2,173
Net interest margin3.3200%5,908
Noninterest income to average assets0.1101%6,848
Noninterest expense to average assets2.4593%5,917
Loan and lease loss provision to assets0.2849%4,519
Net operating income to assets0.5039%4,082
Return on assets (ROA)0.4882%4,314
Pretax return on assets0.5271%4,533
Return on Equity (ROE)5.6125%3,780
Retained earnings to average equity (ytd only)5.6125%2,048
Net charge-offs to loans0.0546%6,243
Credit loss provision to net charge-offs1,375.0000%166
Earnings coverage of net charge-offs (x)40.0000%583
Efficiency ratio74.7932%3,237
Assets per employee ($millions)5.9015%1,280
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.1842%1,898
Loan loss allowance to noncurrent loans580.9917%567
Noncurrent assets plus other real estate owned to assets0.1367%6,893
Noncurrent loans to loans0.3759%6,298
Net loans and leases to total assets35.5652%7,177
Net loans and leases to deposits41.4108%7,210
Net loans and leases to core deposits62.9584%6,157
Total domestic deposits to total assets85.8837%3,421
Equity capital to assets8.3572%6,063
Core capital (leverage) ratio8.4467%5,455
Tier 1 risk-based capital ratio21.9133%1,190
Total risk-based capital ratio23.2018%1,157
Memoranda:
Average total assets$77,217,8005,673
Average earning assets$73,916,0005,544
Average equity$6,717,2006,129
Average total loans$29,280,4006,435
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0130%4,750
Cost of funding earning assets1.6291%2,224
Net interest margin3.3839%5,735
Noninterest income to average assets0.1237%6,932
Noninterest expense to average assets2.4662%5,832
Loan and lease loss provision to assets0.2778%4,355
Net operating income to assets0.5761%3,975
Return on assets (ROA)0.5879%4,090
Pretax return on assets0.6237%4,517
Return on Equity (ROE)6.6797%3,493
Retained earnings to average equity (ytd only)6.6797%1,995
Net charge-offs to loans0.0747%5,773
Credit loss provision to net charge-offs968.7500%301
Earnings coverage of net charge-offs (x)31.0042%862
Efficiency ratio73.5043%3,415
Assets per employee ($millions)5.8779%1,318
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.0723%2,066
Loan loss allowance to noncurrent loans373.6842%799
Noncurrent assets plus other real estate owned to assets0.2238%6,799
Noncurrent loans to loans0.5545%6,092
Net loans and leases to total assets39.5181%7,101
Net loans and leases to deposits47.6737%7,101
Net loans and leases to core deposits74.3292%5,253
Total domestic deposits to total assets82.8930%4,632
Equity capital to assets9.3714%5,024
Core capital (leverage) ratio9.2960%4,219
Tier 1 risk-based capital ratio22.3674%1,153
Total risk-based capital ratio23.6584%1,119
Memoranda:
Average total assets$74,391,7505,823
Average earning assets$71,040,5005,701
Average equity$6,547,0006,263
Average total loans$28,554,0006,556
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0285%4,808
Cost of funding earning assets1.6676%2,302
Net interest margin3.3609%5,795
Noninterest income to average assets0.1275%6,957
Noninterest expense to average assets2.5123%5,674
Loan and lease loss provision to assets0.2713%4,221
Net operating income to assets0.5480%4,105
Return on assets (ROA)0.5725%4,125
Pretax return on assets0.5725%4,659
Return on Equity (ROE)6.6537%3,465
Retained earnings to average equity (ytd only)6.6537%1,990
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4072%3,180
Assets per employee ($millions)4.9193%2,276
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.9973%2,188
Loan loss allowance to noncurrent loans855.7143%396
Noncurrent assets plus other real estate owned to assets0.0949%7,161
Noncurrent loans to loans0.2334%6,770
Net loans and leases to total assets39.8325%7,172
Net loans and leases to deposits46.9311%7,211
Net loans and leases to core deposits71.6948%5,703
Total domestic deposits to total assets84.8744%3,697
Equity capital to assets9.0000%5,449
Core capital (leverage) ratio8.8523%4,832
Tier 1 risk-based capital ratio20.8034%1,374
Total risk-based capital ratio22.0749%1,342
Memoranda:
Average total assets$73,718,0005,883
Average earning assets$70,279,3305,761
Average equity$6,342,3306,357
Average total loans$27,793,3306,646
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7431%6,102
Cost of funding earning assets1.7325%2,218
Net interest margin3.0106%6,808
Noninterest income to average assets0.0923%7,249
Noninterest expense to average assets2.3615%6,207
Loan and lease loss provision to assets0.2171%4,330
Net operating income to assets0.3909%4,876
Return on assets (ROA)0.4397%4,792
Pretax return on assets0.4397%5,165
Return on Equity (ROE)5.2317%4,240
Retained earnings to average equity (ytd only)5.2317%3,024
Net charge-offs to loans-0.0150%6,996
Credit loss provision to net charge-offs-4,000.0000%6,618
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.5247%2,643
Assets per employee ($millions)4.9999%2,230
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.9144%2,400
Loan loss allowance to noncurrent loans675.0000%474
Noncurrent assets plus other real estate owned to assets0.1067%7,211
Noncurrent loans to loans0.2836%6,755
Net loans and leases to total assets36.8903%7,395
Net loans and leases to deposits41.3045%7,476
Net loans and leases to core deposits61.4235%6,646
Total domestic deposits to total assets89.3130%1,357
Equity capital to assets8.3802%6,186
Core capital (leverage) ratio8.4944%5,385
Tier 1 risk-based capital ratio21.2439%1,303
Total risk-based capital ratio22.5364%1,271
Memoranda:
Average total assets$73,682,5005,949
Average earning assets$70,418,5005,834
Average equity$6,193,0006,457
Average total loans$26,694,5006,794
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4658%4,354
Cost of funding earning assets2.4264%1,224
Net interest margin3.0393%6,545
Noninterest income to average assets0.1446%7,019
Noninterest expense to average assets2.3652%6,562
Loan and lease loss provision to assets0.5166%3,791
Net operating income to assets0.1637%5,012
Return on assets (ROA)0.2337%4,858
Pretax return on assets0.2337%4,930
Return on Equity (ROE)2.5642%4,680
Retained earnings to average equity (ytd only)2.5642%3,352
Net charge-offs to loans0.3130%4,674
Credit loss provision to net charge-offs427.6316%730
Earnings coverage of net charge-offs (x)5.6316%2,539
Efficiency ratio77.6618%3,249
Assets per employee ($millions)4.5229%2,883
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.9816%2,075
Loan loss allowance to noncurrent loans941.5094%379
Noncurrent assets plus other real estate owned to assets0.0732%7,311
Noncurrent loans to loans0.2105%6,901
Net loans and leases to total assets34.1081%7,589
Net loans and leases to deposits37.3300%7,696
Net loans and leases to core deposits45.8911%7,667
Total domestic deposits to total assets91.3690%411
Equity capital to assets8.4306%6,006
Core capital (leverage) ratio8.1135%5,968
Tier 1 risk-based capital ratio22.9479%1,046
Total risk-based capital ratio24.2028%1,024
Memoranda:
Average total assets$62,911,0006,242
Average earning assets$60,046,6006,125
Average equity$5,732,8006,703
Average total loans$24,280,4006,954
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4665%4,595
Cost of funding earning assets2.5361%1,188
Net interest margin2.9303%6,779
Noninterest income to average assets0.1497%7,112
Noninterest expense to average assets2.3408%6,591
Loan and lease loss provision to assets0.4955%3,419
Net operating income to assets0.1123%5,428
Return on assets (ROA)0.1762%5,302
Pretax return on assets0.1762%5,349
Return on Equity (ROE)1.8909%5,206
Retained earnings to average equity (ytd only)1.8909%4,266
Net charge-offs to loans0.3880%3,711
Credit loss provision to net charge-offs321.4286%1,278
Earnings coverage of net charge-offs (x)3.9429%3,325
Efficiency ratio79.3876%2,939
Assets per employee ($millions)5.6882%1,444
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.5308%3,274
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets35.2298%7,644
Net loans and leases to deposits39.1951%7,758
Net loans and leases to core deposits49.4420%7,700
Total domestic deposits to total assets89.8832%817
Equity capital to assets8.1884%6,653
Core capital (leverage) ratio8.4332%5,608
Tier 1 risk-based capital ratio21.3983%1,307
Total risk-based capital ratio22.6722%1,277
Memoranda:
Average total assets$60,547,0006,370
Average earning assets$57,830,0006,266
Average equity$5,640,7506,799
Average total loans$24,055,0007,026
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6951%3,565
Cost of funding earning assets2.5959%1,298
Net interest margin3.0993%6,244
Noninterest income to average assets0.1462%7,218
Noninterest expense to average assets2.3003%6,758
Loan and lease loss provision to assets0.5349%2,891
Net operating income to assets0.2532%5,072
Return on assets (ROA)0.2675%5,121
Pretax return on assets0.2675%5,280
Return on Equity (ROE)2.7259%5,007
Retained earnings to average equity (ytd only)2.7259%3,817
Net charge-offs to loans0.3354%3,498
Credit loss provision to net charge-offs384.6154%1,204
Earnings coverage of net charge-offs (x)5.6667%2,786
Efficiency ratio74.4804%3,956
Assets per employee ($millions)4.9362%2,160
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.3695%3,888
Loan loss allowance to noncurrent loans305.9322%1,030
Noncurrent assets plus other real estate owned to assets0.1839%7,076
Noncurrent loans to loans0.4476%6,402
Net loans and leases to total assets40.5152%7,524
Net loans and leases to deposits46.3358%7,626
Net loans and leases to core deposits55.8494%7,601
Total domestic deposits to total assets87.4383%2,038
Equity capital to assets9.0991%5,159
Core capital (leverage) ratio9.3932%4,034
Tier 1 risk-based capital ratio21.2693%1,351
Total risk-based capital ratio22.5211%1,317
Memoranda:
Average total assets$56,080,6706,590
Average earning assets$53,238,3306,505
Average equity$5,502,6706,899
Average total loans$23,254,6707,131
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6439%4,087
Cost of funding earning assets2.6431%1,438
Net interest margin3.0009%6,476
Noninterest income to average assets0.2537%6,433
Noninterest expense to average assets2.0601%7,213
Loan and lease loss provision to assets0.5765%2,183
Net operating income to assets0.4535%4,640
Return on assets (ROA)0.4843%4,687
Pretax return on assets0.4843%5,128
Return on Equity (ROE)4.7240%4,593
Retained earnings to average equity (ytd only)4.7240%3,284
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6667%5,200
Assets per employee ($millions)5.0508%2,016
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.3709%3,669
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets38.5784%7,639
Net loans and leases to deposits43.9156%7,727
Net loans and leases to core deposits51.4580%7,743
Total domestic deposits to total assets87.8467%1,822
Equity capital to assets8.8997%5,479
Core capital (leverage) ratio9.8236%3,612
Tier 1 risk-based capital ratio18.8104%1,857
Total risk-based capital ratio19.9612%1,834
Memoranda:
Average total assets$52,035,5006,780
Average earning assets$49,185,5006,701
Average equity$5,334,5006,991
Average total loans$21,702,0007,263
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0123%5,491
Cost of funding earning assets2.9641%2,012
Net interest margin3.0481%6,795
Noninterest income to average assets0.2714%6,509
Noninterest expense to average assets2.7057%5,241
Loan and lease loss provision to assets0.5984%2,435
Net operating income to assets-0.1722%6,586
Return on assets (ROA)-1.7629%7,501
Pretax return on assets-1.7629%7,359
Return on Equity (ROE)-16.5752%7,649
Retained earnings to average equity (ytd only)-16.5752%7,548
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.3933%1,818
Assets per employee ($millions)3.6218%4,364
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.2692%3,994
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets44.7448%7,419
Net loans and leases to deposits52.5041%7,512
Net loans and leases to core deposits60.2858%7,574
Total domestic deposits to total assets85.2216%2,741
Equity capital to assets12.1370%2,201
Core capital (leverage) ratio12.8484%1,596
Tier 1 risk-based capital ratio21.8284%1,339
Total risk-based capital ratio22.8659%1,333
Memoranda:
Average total assets$34,260,8007,451
Average earning assets$32,151,0007,400
Average equity$3,644,0007,635
Average total loans$9,159,2007,981