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Washington Federal Bank, Performance and Condition Ratios

2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2543%2,518
Cost of funding earning assets0.3343%1,326
Net interest margin2.9199%2,768
Noninterest income to average assets0.2548%3,618
Noninterest expense to average assets1.7308%4,091
Loan and lease loss provision to assets-0.0099%4,421
Net operating income to assets0.9799%1,969
Return on assets (ROA)0.9799%1,965
Pretax return on assets1.2482%1,662
Return on Equity (ROE)9.3614%2,193
Retained earnings to average equity (ytd only)-0.1114%4,029
Net charge-offs to loans-0.0126%3,682
Credit loss provision to net charge-offs105.7082%981
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.1293%3,667
Assets per employee ($millions)9.5633%760
Cash dividends to net income (ytd only)*101.1901%515
Condition Ratios (%)
Loss allowance to loans1.1225%3,226
Loan loss allowance to noncurrent loans509.4801%1,472
Noncurrent assets plus other real estate owned to assets0.2098%2,375
Noncurrent loans to loans0.2203%2,715
Net loans and leases to total assets73.3914%710
Net loans and leases to deposits91.2356%462
Net loans and leases to core deposits94.0747%731
Total domestic deposits to total assets80.4416%4,255
Equity capital to assets10.3369%1,670
Core capital (leverage) ratio8.7970%3,567
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7695%2,689
Memoranda:
Average total assets$20,271,849,000101
Average earning assets$18,844,463,500102
Average equity$2,121,867,000107
Average total loans$15,017,280,50084
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3073%3,188
Cost of funding earning assets0.4157%1,433
Net interest margin2.8916%3,466
Noninterest income to average assets0.3689%3,225
Noninterest expense to average assets1.7980%4,149
Loan and lease loss provision to assets-0.0102%4,169
Net operating income to assets0.9980%2,676
Return on assets (ROA)0.9984%2,742
Pretax return on assets1.2645%2,473
Return on Equity (ROE)9.3809%2,763
Retained earnings to average equity (ytd only)3.9088%3,253
Net charge-offs to loans-0.0489%4,316
Credit loss provision to net charge-offs29.7530%2,235
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.7196%3,325
Assets per employee ($millions)9.3814%816
Cash dividends to net income (ytd only)*58.3320%1,149
Condition Ratios (%)
Loss allowance to loans1.1608%3,079
Loan loss allowance to noncurrent loans380.4483%1,771
Noncurrent assets plus other real estate owned to assets0.2543%2,294
Noncurrent loans to loans0.3051%2,497
Net loans and leases to total assets73.0718%743
Net loans and leases to deposits91.2089%514
Net loans and leases to core deposits94.3588%763
Total domestic deposits to total assets80.1148%4,211
Equity capital to assets10.6011%2,086
Core capital (leverage) ratio8.9778%3,427
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0419%2,616
Memoranda:
Average total assets$19,574,348,200102
Average earning assets$18,161,375,400102
Average equity$2,083,300,400108
Average total loans$13,735,764,80089
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3109%3,360
Cost of funding earning assets0.4372%1,441
Net interest margin2.8738%3,610
Noninterest income to average assets0.3776%3,217
Noninterest expense to average assets1.7982%4,174
Loan and lease loss provision to assets-0.0171%4,344
Net operating income to assets0.9928%2,940
Return on assets (ROA)0.9929%3,016
Pretax return on assets1.2605%2,732
Return on Equity (ROE)9.3197%2,997
Retained earnings to average equity (ytd only)3.3819%3,776
Net charge-offs to loans-0.0456%4,309
Credit loss provision to net charge-offs54.2182%1,837
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.9175%3,136
Assets per employee ($millions)9.5057%769
Cash dividends to net income (ytd only)*63.7127%746
Condition Ratios (%)
Loss allowance to loans1.2230%2,879
Loan loss allowance to noncurrent loans539.1879%1,289
Noncurrent assets plus other real estate owned to assets0.2034%2,768
Noncurrent loans to loans0.2268%3,033
Net loans and leases to total assets70.4116%1,043
Net loans and leases to deposits88.2433%704
Net loans and leases to core deposits91.3589%959
Total domestic deposits to total assets79.7925%4,256
Equity capital to assets10.6699%2,294
Core capital (leverage) ratio8.9190%3,645
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5297%2,852
Memoranda:
Average total assets$19,474,673,250102
Average earning assets$18,052,604,500102
Average equity$2,074,785,250110
Average total loans$13,478,185,25092
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3006%3,422
Cost of funding earning assets0.4622%1,434
Net interest margin2.8385%3,704
Noninterest income to average assets0.3883%3,168
Noninterest expense to average assets1.8307%4,120
Loan and lease loss provision to assets-0.0206%4,433
Net operating income to assets0.9548%3,048
Return on assets (ROA)0.9548%3,133
Pretax return on assets1.2074%2,883
Return on Equity (ROE)8.9663%3,106
Retained earnings to average equity (ytd only)4.6134%3,323
Net charge-offs to loans-0.0541%4,408
Credit loss provision to net charge-offs55.6328%1,579
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.4542%2,948
Assets per employee ($millions)9.5489%699
Cash dividends to net income (ytd only)*48.5479%1,287
Condition Ratios (%)
Loss allowance to loans1.2520%2,670
Loan loss allowance to noncurrent loans501.5536%1,274
Noncurrent assets plus other real estate owned to assets0.2136%2,873
Noncurrent loans to loans0.2496%3,052
Net loans and leases to total assets68.5466%1,377
Net loans and leases to deposits87.1547%836
Net loans and leases to core deposits90.1800%1,129
Total domestic deposits to total assets78.6493%4,372
Equity capital to assets10.6192%2,289
Core capital (leverage) ratio8.9538%3,516
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1172%2,673
Memoranda:
Average total assets$19,416,796,000102
Average earning assets$17,985,632,333101
Average equity$2,067,559,000109
Average total loans$13,302,253,33393
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3072%3,429
Cost of funding earning assets0.5090%1,335
Net interest margin2.7983%3,769
Noninterest income to average assets0.5578%2,380
Noninterest expense to average assets1.9647%3,821
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.9347%3,029
Return on assets (ROA)0.9347%3,104
Pretax return on assets1.1819%2,895
Return on Equity (ROE)8.7654%3,116
Retained earnings to average equity (ytd only)8.7654%2,027
Net charge-offs to loans-0.0750%4,542
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.2157%2,722
Assets per employee ($millions)9.3785%729
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.3069%2,408
Loan loss allowance to noncurrent loans431.9457%1,312
Noncurrent assets plus other real estate owned to assets0.2318%2,988
Noncurrent loans to loans0.3026%3,012
Net loans and leases to total assets66.7397%1,692
Net loans and leases to deposits86.1159%955
Net loans and leases to core deposits89.3418%1,268
Total domestic deposits to total assets77.4998%4,481
Equity capital to assets10.7513%2,038
Core capital (leverage) ratio9.0399%3,563
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8335%2,356
Memoranda:
Average total assets$19,299,335,000100
Average earning assets$17,854,686,000100
Average equity$2,057,906,500110
Average total loans$13,132,699,00095
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7044%3,565
Cost of funding earning assets0.8105%1,164
Net interest margin2.8939%4,117
Noninterest income to average assets0.2423%4,042
Noninterest expense to average assets1.8105%4,453
Loan and lease loss provision to assets0.1586%2,388
Net operating income to assets0.7408%3,293
Return on assets (ROA)0.8069%3,180
Pretax return on assets1.0185%2,982
Return on Equity (ROE)7.3325%3,059
Retained earnings to average equity (ytd only)0.3245%4,418
Net charge-offs to loans-0.0192%4,415
Credit loss provision to net charge-offs-1,174.7733%4,080
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.9346%3,148
Assets per employee ($millions)9.1474%703
Cash dividends to net income (ytd only)*95.5741%321
Condition Ratios (%)
Loss allowance to loans1.3036%2,389
Loan loss allowance to noncurrent loans291.4046%1,746
Noncurrent assets plus other real estate owned to assets0.3298%2,677
Noncurrent loans to loans0.4474%2,626
Net loans and leases to total assets67.5891%1,874
Net loans and leases to deposits90.2716%909
Net loans and leases to core deposits94.1466%1,242
Total domestic deposits to total assets74.8731%4,581
Equity capital to assets10.5727%2,608
Core capital (leverage) ratio8.9985%3,685
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5622%2,419
Memoranda:
Average total assets$17,965,555,000102
Average earning assets$16,524,231,400100
Average equity$1,977,039,600108
Average total loans$12,614,108,20096
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7891%3,596
Cost of funding earning assets0.8746%1,156
Net interest margin2.9145%4,154
Noninterest income to average assets0.2493%3,986
Noninterest expense to average assets1.8431%4,418
Loan and lease loss provision to assets0.1922%2,064
Net operating income to assets0.7086%3,431
Return on assets (ROA)0.7981%3,217
Pretax return on assets1.0049%3,053
Return on Equity (ROE)7.1764%3,133
Retained earnings to average equity (ytd only)-2.2130%4,716
Net charge-offs to loans-0.0074%4,156
Credit loss provision to net charge-offs-3,690.3039%4,184
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5430%2,988
Assets per employee ($millions)9.0911%676
Cash dividends to net income (ytd only)*130.8372%137
Condition Ratios (%)
Loss allowance to loans1.2882%2,207
Loan loss allowance to noncurrent loans574.9733%946
Noncurrent assets plus other real estate owned to assets0.1809%3,526
Noncurrent loans to loans0.2240%3,497
Net loans and leases to total assets68.0818%2,236
Net loans and leases to deposits91.8421%1,086
Net loans and leases to core deposits96.0034%1,459
Total domestic deposits to total assets74.1292%4,560
Equity capital to assets10.3874%2,882
Core capital (leverage) ratio8.9444%3,819
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7127%2,319
Memoranda:
Average total assets$17,691,139,750102
Average earning assets$16,253,618,000100
Average equity$1,967,427,500108
Average total loans$12,503,922,50097
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9456%3,479
Cost of funding earning assets0.9348%1,216
Net interest margin3.0107%4,102
Noninterest income to average assets0.2602%3,914
Noninterest expense to average assets1.9290%4,367
Loan and lease loss provision to assets0.2193%1,902
Net operating income to assets0.6889%3,427
Return on assets (ROA)0.8259%3,067
Pretax return on assets1.0491%2,875
Return on Equity (ROE)7.2537%3,031
Retained earnings to average equity (ytd only)-3.2604%4,675
Net charge-offs to loans-0.0014%3,779
Credit loss provision to net charge-offs-22,352.9412%4,293
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3688%2,902
Assets per employee ($millions)8.8903%703
Cash dividends to net income (ytd only)*144.9478%213
Condition Ratios (%)
Loss allowance to loans1.2817%2,092
Loan loss allowance to noncurrent loans475.9888%1,048
Noncurrent assets plus other real estate owned to assets0.2238%3,436
Noncurrent loans to loans0.2693%3,416
Net loans and leases to total assets70.0469%2,019
Net loans and leases to deposits96.3334%767
Net loans and leases to core deposits101.4332%1,153
Total domestic deposits to total assets72.7129%4,669
Equity capital to assets10.7149%2,558
Core capital (leverage) ratio9.2376%3,649
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0344%2,165
Memoranda:
Average total assets$17,324,391,667103
Average earning assets$15,903,406,333101
Average equity$1,972,591,667109
Average total loans$12,351,740,66797
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1937%3,232
Cost of funding earning assets1.0830%1,099
Net interest margin3.1106%4,073
Noninterest income to average assets0.2698%3,920
Noninterest expense to average assets2.1868%4,039
Loan and lease loss provision to assets0.1468%1,931
Net operating income to assets0.6233%3,533
Return on assets (ROA)0.9043%2,617
Pretax return on assets1.1482%2,365
Return on Equity (ROE)7.6982%2,638
Retained earnings to average equity (ytd only)-5.5520%4,557
Net charge-offs to loans-0.0592%4,685
Credit loss provision to net charge-offs-346.7562%3,321
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5369%2,418
Assets per employee ($millions)8.5662%616
Cash dividends to net income (ytd only)*172.1204%380
Condition Ratios (%)
Loss allowance to loans1.1514%2,927
Loan loss allowance to noncurrent loans427.7991%1,106
Noncurrent assets plus other real estate owned to assets0.2192%3,593
Noncurrent loans to loans0.2692%3,532
Net loans and leases to total assets68.9365%2,402
Net loans and leases to deposits98.3225%676
Net loans and leases to core deposits104.3830%1,161
Total domestic deposits to total assets70.1126%4,851
Equity capital to assets11.3188%2,577
Core capital (leverage) ratio10.3035%3,140
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6680%2,016
Memoranda:
Average total assets$16,896,260,000102
Average earning assets$15,514,457,000100
Average equity$1,984,867,500109
Average total loans$12,077,447,00098
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4977%2,957
Cost of funding earning assets1.2734%830
Net interest margin3.2244%4,136
Noninterest income to average assets0.4883%2,811
Noninterest expense to average assets1.7634%4,812
Loan and lease loss provision to assets-0.0131%4,944
Net operating income to assets1.3621%1,468
Return on assets (ROA)1.3621%1,549
Pretax return on assets1.7042%1,176
Return on Equity (ROE)11.2371%1,797
Retained earnings to average equity (ytd only)0.7097%4,488
Net charge-offs to loans-0.0395%4,775
Credit loss provision to net charge-offs45.2822%3,163
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.6886%4,695
Assets per employee ($millions)8.2680%648
Cash dividends to net income (ytd only)*93.6842%437
Condition Ratios (%)
Loss allowance to loans1.1006%2,951
Loan loss allowance to noncurrent loans440.4181%1,085
Noncurrent assets plus other real estate owned to assets0.2218%3,566
Noncurrent loans to loans0.2499%3,553
Net loans and leases to total assets72.5144%2,007
Net loans and leases to deposits98.9217%675
Net loans and leases to core deposits105.5374%1,138
Total domestic deposits to total assets73.3049%4,812
Equity capital to assets12.2008%2,012
Core capital (leverage) ratio10.4237%3,042
Tier 1 risk-based capital ratio13.8801%3,324
Total risk-based capital ratio15.0375%3,279
Memoranda:
Average total assets$16,396,702,40097
Average earning assets$15,084,042,60095
Average equity$1,987,572,200105
Average total loans$12,015,526,40093
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5244%2,980
Cost of funding earning assets1.2989%788
Net interest margin3.2255%4,244
Noninterest income to average assets0.3048%3,917
Noninterest expense to average assets1.6894%4,930
Loan and lease loss provision to assets-0.0094%5,052
Net operating income to assets1.2816%1,916
Return on assets (ROA)1.2816%1,998
Pretax return on assets1.5928%1,663
Return on Equity (ROE)10.5903%2,175
Retained earnings to average equity (ytd only)0.0449%4,749
Net charge-offs to loans-0.0241%4,637
Credit loss provision to net charge-offs53.0198%2,763
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.2381%4,656
Assets per employee ($millions)8.4208%590
Cash dividends to net income (ytd only)*99.5760%327
Condition Ratios (%)
Loss allowance to loans1.0904%3,076
Loan loss allowance to noncurrent loans389.9730%1,206
Noncurrent assets plus other real estate owned to assets0.2459%3,584
Noncurrent loans to loans0.2796%3,535
Net loans and leases to total assets72.4405%2,099
Net loans and leases to deposits98.3674%781
Net loans and leases to core deposits105.6284%1,210
Total domestic deposits to total assets73.6427%4,829
Equity capital to assets12.0774%2,197
Core capital (leverage) ratio10.2408%3,372
Tier 1 risk-based capital ratio13.9345%3,360
Total risk-based capital ratio15.0921%3,314
Memoranda:
Average total assets$16,390,812,75096
Average earning assets$15,082,529,25094
Average equity$1,983,614,000105
Average total loans$12,009,515,00093
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5326%2,908
Cost of funding earning assets1.2967%747
Net interest margin3.2359%4,275
Noninterest income to average assets0.2902%4,001
Noninterest expense to average assets1.6660%5,010
Loan and lease loss provision to assets0.0092%3,561
Net operating income to assets1.2863%1,825
Return on assets (ROA)1.2863%1,886
Pretax return on assets1.5940%1,561
Return on Equity (ROE)10.6212%2,126
Retained earnings to average equity (ytd only)0.2223%4,632
Net charge-offs to loans-0.0351%4,727
Credit loss provision to net charge-offs-35.5956%3,802
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.5793%4,749
Assets per employee ($millions)8.3927%584
Cash dividends to net income (ytd only)*97.9067%460
Condition Ratios (%)
Loss allowance to loans1.1066%3,036
Loan loss allowance to noncurrent loans326.8351%1,449
Noncurrent assets plus other real estate owned to assets0.2916%3,380
Noncurrent loans to loans0.3386%3,327
Net loans and leases to total assets72.7346%2,107
Net loans and leases to deposits100.7236%625
Net loans and leases to core deposits107.9354%1,106
Total domestic deposits to total assets72.2120%4,964
Equity capital to assets12.0709%2,133
Core capital (leverage) ratio10.3192%3,266
Tier 1 risk-based capital ratio13.9672%3,336
Total risk-based capital ratio15.1423%3,277
Memoranda:
Average total assets$16,364,069,33097
Average earning assets$15,064,782,00095
Average equity$1,981,727,670105
Average total loans$11,991,608,67093
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4814%2,930
Cost of funding earning assets1.2656%739
Net interest margin3.2158%4,359
Noninterest income to average assets0.2913%3,930
Noninterest expense to average assets1.6345%5,071
Loan and lease loss provision to assets0.0184%3,205
Net operating income to assets1.2584%1,852
Return on assets (ROA)1.2584%1,901
Pretax return on assets1.5985%1,475
Return on Equity (ROE)10.3741%2,206
Retained earnings to average equity (ytd only)-0.1255%4,548
Net charge-offs to loans-0.0393%4,757
Credit loss provision to net charge-offs-64.0478%3,509
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.8861%4,836
Assets per employee ($millions)8.5556%551
Cash dividends to net income (ytd only)*101.2101%609
Condition Ratios (%)
Loss allowance to loans1.1063%3,097
Loan loss allowance to noncurrent loans271.9426%1,708
Noncurrent assets plus other real estate owned to assets0.3435%3,231
Noncurrent loans to loans0.4068%3,127
Net loans and leases to total assets72.3882%2,094
Net loans and leases to deposits100.8033%571
Net loans and leases to core deposits108.2421%1,040
Total domestic deposits to total assets71.8113%5,051
Equity capital to assets12.0553%1,991
Core capital (leverage) ratio10.3334%3,239
Tier 1 risk-based capital ratio14.0710%3,305
Total risk-based capital ratio15.2495%3,256
Memoranda:
Average total assets$16,312,864,50097
Average earning assets$15,016,355,00097
Average equity$1,978,765,000107
Average total loans$11,931,992,00093
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3275%3,018
Cost of funding earning assets1.0230%688
Net interest margin3.3045%4,245
Noninterest income to average assets0.3079%4,057
Noninterest expense to average assets1.7044%5,087
Loan and lease loss provision to assets-0.0376%5,164
Net operating income to assets1.2995%1,804
Return on assets (ROA)1.2995%1,792
Pretax return on assets1.6721%1,242
Return on Equity (ROE)10.3824%2,354
Retained earnings to average equity (ytd only)0.0906%4,962
Net charge-offs to loans-0.0816%5,104
Credit loss provision to net charge-offs63.4599%3,061
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.6671%4,899
Assets per employee ($millions)8.4766%555
Cash dividends to net income (ytd only)*99.1274%263
Condition Ratios (%)
Loss allowance to loans1.1084%3,042
Loan loss allowance to noncurrent loans254.9368%1,849
Noncurrent assets plus other real estate owned to assets0.3682%3,079
Noncurrent loans to loans0.4348%2,981
Net loans and leases to total assets72.2805%2,213
Net loans and leases to deposits100.6176%696
Net loans and leases to core deposits107.6481%1,145
Total domestic deposits to total assets71.8368%5,082
Equity capital to assets12.2060%1,755
Core capital (leverage) ratio10.5845%2,946
Tier 1 risk-based capital ratio14.3755%3,126
Total risk-based capital ratio15.5628%3,075
Memoranda:
Average total assets$15,812,489,60099
Average earning assets$14,503,679,80098
Average equity$1,979,148,00097
Average total loans$11,495,266,60094
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2937%2,988
Cost of funding earning assets0.9706%684
Net interest margin3.3231%4,217
Noninterest income to average assets0.2655%4,375
Noninterest expense to average assets1.6874%5,148
Loan and lease loss provision to assets-0.0462%5,280
Net operating income to assets1.2931%1,888
Return on assets (ROA)1.2931%1,886
Pretax return on assets1.6709%1,343
Return on Equity (ROE)10.2656%2,496
Retained earnings to average equity (ytd only)0.0168%5,031
Net charge-offs to loans-0.0931%5,144
Credit loss provision to net charge-offs68.3986%2,648
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.5624%4,914
Assets per employee ($millions)8.4595%538
Cash dividends to net income (ytd only)*99.8367%265
Condition Ratios (%)
Loss allowance to loans1.1136%3,116
Loan loss allowance to noncurrent loans232.1218%2,008
Noncurrent assets plus other real estate owned to assets0.4218%3,002
Noncurrent loans to loans0.4797%2,948
Net loans and leases to total assets72.2863%2,290
Net loans and leases to deposits99.8206%802
Net loans and leases to core deposits106.7519%1,250
Total domestic deposits to total assets72.4162%5,098
Equity capital to assets12.4701%1,611
Core capital (leverage) ratio10.7410%2,849
Tier 1 risk-based capital ratio14.5505%3,097
Total risk-based capital ratio15.7459%3,045
Memoranda:
Average total assets$15,718,013,500100
Average earning assets$14,410,109,25098
Average equity$1,979,884,00097
Average total loans$11,410,668,25093
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2618%2,903
Cost of funding earning assets0.9331%630
Net interest margin3.3287%4,167
Noninterest income to average assets0.2686%4,389
Noninterest expense to average assets1.6651%5,221
Loan and lease loss provision to assets0.0006%3,781
Net operating income to assets1.2893%1,817
Return on assets (ROA)1.2893%1,814
Pretax return on assets1.6545%1,330
Return on Equity (ROE)10.2012%2,475
Retained earnings to average equity (ytd only)0.0185%4,952
Net charge-offs to loans-0.0258%4,678
Credit loss provision to net charge-offs-3.4223%3,915
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.7681%5,036
Assets per employee ($millions)8.4401%531
Cash dividends to net income (ytd only)*99.8188%385
Condition Ratios (%)
Loss allowance to loans1.1232%3,134
Loan loss allowance to noncurrent loans212.2256%2,167
Noncurrent assets plus other real estate owned to assets0.4558%2,907
Noncurrent loans to loans0.5292%2,831
Net loans and leases to total assets71.8047%2,304
Net loans and leases to deposits99.6589%826
Net loans and leases to core deposits106.4202%1,213
Total domestic deposits to total assets72.0505%5,180
Equity capital to assets12.5509%1,508
Core capital (leverage) ratio10.7544%2,749
Tier 1 risk-based capital ratio14.7424%2,997
Total risk-based capital ratio15.9443%2,948
Memoranda:
Average total assets$15,664,512,00098
Average earning assets$14,360,367,00098
Average equity$1,979,824,67094
Average total loans$11,345,143,33092
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1888%2,918
Cost of funding earning assets0.8883%637
Net interest margin3.3004%4,187
Noninterest income to average assets0.2697%4,367
Noninterest expense to average assets1.6534%5,290
Loan and lease loss provision to assets-0.0243%5,434
Net operating income to assets1.2689%1,747
Return on assets (ROA)1.2689%1,755
Pretax return on assets1.6662%1,202
Return on Equity (ROE)10.0048%2,419
Retained earnings to average equity (ytd only)-0.4204%4,851
Net charge-offs to loans-0.0486%4,956
Credit loss provision to net charge-offs69.2925%1,834
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.7982%5,095
Assets per employee ($millions)8.4278%539
Cash dividends to net income (ytd only)*104.2024%552
Condition Ratios (%)
Loss allowance to loans1.1244%3,232
Loan loss allowance to noncurrent loans233.8698%1,993
Noncurrent assets plus other real estate owned to assets0.4507%3,044
Noncurrent loans to loans0.4808%3,074
Net loans and leases to total assets71.7600%2,211
Net loans and leases to deposits100.4004%676
Net loans and leases to core deposits107.3429%1,161
Total domestic deposits to total assets71.4738%5,313
Equity capital to assets12.6544%1,401
Core capital (leverage) ratio10.8197%2,613
Tier 1 risk-based capital ratio15.6217%2,621
Total risk-based capital ratio16.8719%2,565
Memoranda:
Average total assets$15,609,507,00099
Average earning assets$14,309,546,00099
Average equity$1,979,817,00094
Average total loans$11,289,954,00092
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0829%3,115
Cost of funding earning assets0.8472%488
Net interest margin3.2357%4,346
Noninterest income to average assets0.2853%4,422
Noninterest expense to average assets1.5851%5,426
Loan and lease loss provision to assets-0.0139%5,316
Net operating income to assets1.2034%1,510
Return on assets (ROA)1.2154%1,494
Pretax return on assets1.6900%1,032
Return on Equity (ROE)9.3316%2,167
Retained earnings to average equity (ytd only)0.5469%4,819
Net charge-offs to loans-0.1123%5,400
Credit loss provision to net charge-offs17.3640%3,629
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.0620%5,316
Assets per employee ($millions)8.5213%529
Cash dividends to net income (ytd only)*94.1395%469
Condition Ratios (%)
Loss allowance to loans1.1319%3,177
Loan loss allowance to noncurrent loans263.0485%1,835
Noncurrent assets plus other real estate owned to assets0.4252%3,160
Noncurrent loans to loans0.4303%3,247
Net loans and leases to total assets71.2621%2,341
Net loans and leases to deposits100.5659%688
Net loans and leases to core deposits106.9116%1,220
Total domestic deposits to total assets70.8612%5,374
Equity capital to assets12.7125%1,399
Core capital (leverage) ratio11.0690%2,270
Tier 1 risk-based capital ratio15.8688%2,484
Total risk-based capital ratio17.1192%2,425
Memoranda:
Average total assets$15,155,381,00097
Average earning assets$13,860,443,80095
Average equity$1,973,931,00091
Average total loans$10,770,273,20093
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0626%3,119
Cost of funding earning assets0.8470%462
Net interest margin3.2156%4,411
Noninterest income to average assets0.3188%4,255
Noninterest expense to average assets1.5673%5,477
Loan and lease loss provision to assets-0.0186%5,477
Net operating income to assets1.1584%1,850
Return on assets (ROA)1.1737%1,836
Pretax return on assets1.7316%1,042
Return on Equity (ROE)8.9556%2,625
Retained earnings to average equity (ytd only)0.3491%5,141
Net charge-offs to loans-0.1128%5,409
Credit loss provision to net charge-offs23.3023%3,137
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.3402%5,373
Assets per employee ($millions)8.3906%544
Cash dividends to net income (ytd only)*96.1023%356
Condition Ratios (%)
Loss allowance to loans1.1184%3,389
Loan loss allowance to noncurrent loans231.6581%1,987
Noncurrent assets plus other real estate owned to assets0.4837%3,120
Noncurrent loans to loans0.4828%3,237
Net loans and leases to total assets71.3361%2,351
Net loans and leases to deposits99.6715%765
Net loans and leases to core deposits105.5760%1,303
Total domestic deposits to total assets71.5712%5,405
Equity capital to assets12.9320%1,424
Core capital (leverage) ratio11.2691%2,209
Tier 1 risk-based capital ratio16.3483%2,364
Total risk-based capital ratio17.5988%2,318
Memoranda:
Average total assets$15,047,859,75095
Average earning assets$13,754,039,00092
Average equity$1,972,089,75088
Average total loans$10,654,418,75092
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0344%3,068
Cost of funding earning assets0.8419%419
Net interest margin3.1925%4,442
Noninterest income to average assets0.3121%4,304
Noninterest expense to average assets1.5339%5,543
Loan and lease loss provision to assets-0.0214%5,564
Net operating income to assets1.1540%1,763
Return on assets (ROA)1.1540%1,810
Pretax return on assets1.7143%1,024
Return on Equity (ROE)8.7663%2,621
Retained earnings to average equity (ytd only)2.5591%4,157
Net charge-offs to loans-0.1228%5,476
Credit loss provision to net charge-offs24.7372%2,758
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.2169%5,428
Assets per employee ($millions)8.3110%545
Cash dividends to net income (ytd only)*70.8079%1,101
Condition Ratios (%)
Loss allowance to loans1.1343%3,400
Loan loss allowance to noncurrent loans198.6914%2,262
Noncurrent assets plus other real estate owned to assets0.5345%2,986
Noncurrent loans to loans0.5709%3,015
Net loans and leases to total assets70.6263%2,427
Net loans and leases to deposits99.8696%751
Net loans and leases to core deposits105.3936%1,273
Total domestic deposits to total assets70.7185%5,515
Equity capital to assets13.1937%1,282
Core capital (leverage) ratio11.4773%1,981
Tier 1 risk-based capital ratio16.9961%2,155
Total risk-based capital ratio18.2467%2,109
Memoranda:
Average total assets$14,979,093,67094
Average earning assets$13,675,960,00092
Average equity$1,971,894,67087
Average total loans$10,537,629,00093
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0325%2,921
Cost of funding earning assets0.8366%396
Net interest margin3.1960%4,356
Noninterest income to average assets0.2858%4,505
Noninterest expense to average assets1.5564%5,596
Loan and lease loss provision to assets-0.0429%5,706
Net operating income to assets1.1319%1,742
Return on assets (ROA)1.1319%1,777
Pretax return on assets1.6872%1,036
Return on Equity (ROE)8.6078%2,613
Retained earnings to average equity (ytd only)0.2113%4,865
Net charge-offs to loans-0.2003%5,623
Credit loss provision to net charge-offs30.6748%2,112
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.2932%5,456
Assets per employee ($millions)8.3292%539
Cash dividends to net income (ytd only)*97.5448%725
Condition Ratios (%)
Loss allowance to loans1.1520%3,405
Loan loss allowance to noncurrent loans191.6289%2,340
Noncurrent assets plus other real estate owned to assets0.5757%2,933
Noncurrent loans to loans0.6011%3,016
Net loans and leases to total assets69.8967%2,401
Net loans and leases to deposits97.8140%782
Net loans and leases to core deposits102.9812%1,296
Total domestic deposits to total assets71.4588%5,569
Equity capital to assets13.1338%1,207
Core capital (leverage) ratio11.4596%1,980
Tier 1 risk-based capital ratio16.9465%2,195
Total risk-based capital ratio18.1971%2,152
Memoranda:
Average total assets$14,926,390,00093
Average earning assets$13,613,374,00092
Average equity$1,962,739,00084
Average total loans$10,418,518,50091
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0161%3,134
Cost of funding earning assets0.8773%332
Net interest margin3.1388%4,617
Noninterest income to average assets0.3347%4,343
Noninterest expense to average assets1.5106%5,709
Loan and lease loss provision to assets-0.0433%5,570
Net operating income to assets1.1485%1,699
Return on assets (ROA)1.1529%1,780
Pretax return on assets1.7260%938
Return on Equity (ROE)8.7077%2,559
Retained earnings to average equity (ytd only)-0.4945%5,381
Net charge-offs to loans-0.1758%5,714
Credit loss provision to net charge-offs37.0178%3,523
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.9242%5,613
Assets per employee ($millions)8.2103%551
Cash dividends to net income (ytd only)*105.6786%304
Condition Ratios (%)
Loss allowance to loans1.1553%3,399
Loan loss allowance to noncurrent loans168.4552%2,576
Noncurrent assets plus other real estate owned to assets0.6245%2,856
Noncurrent loans to loans0.6858%2,820
Net loans and leases to total assets68.0865%2,754
Net loans and leases to deposits94.7515%1,116
Net loans and leases to core deposits99.3524%1,679
Total domestic deposits to total assets71.8580%5,569
Equity capital to assets13.1652%1,186
Core capital (leverage) ratio11.4347%1,981
Tier 1 risk-based capital ratio17.4992%2,008
Total risk-based capital ratio18.7499%1,963
Memoranda:
Average total assets$14,790,801,60093
Average earning assets$13,439,930,00092
Average equity$1,958,222,40080
Average total loans$9,835,296,60094
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0324%3,099
Cost of funding earning assets0.8776%325
Net interest margin3.1548%4,624
Noninterest income to average assets0.3564%4,237
Noninterest expense to average assets1.5276%5,737
Loan and lease loss provision to assets-0.0578%5,735
Net operating income to assets1.1661%1,742
Return on assets (ROA)1.1661%1,850
Pretax return on assets1.7522%993
Return on Equity (ROE)8.7954%2,605
Retained earnings to average equity (ytd only)-0.4662%5,434
Net charge-offs to loans-0.1643%5,711
Credit loss provision to net charge-offs53.3645%2,989
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.9269%5,633
Assets per employee ($millions)8.2422%534
Cash dividends to net income (ytd only)*105.3006%322
Condition Ratios (%)
Loss allowance to loans1.1325%3,664
Loan loss allowance to noncurrent loans208.6287%2,175
Noncurrent assets plus other real estate owned to assets0.5605%3,227
Noncurrent loans to loans0.5428%3,367
Net loans and leases to total assets66.5618%3,029
Net loans and leases to deposits92.8904%1,382
Net loans and leases to core deposits97.5937%1,852
Total domestic deposits to total assets71.6563%5,611
Equity capital to assets13.1282%1,426
Core capital (leverage) ratio11.4530%2,072
Tier 1 risk-based capital ratio17.3196%2,123
Total risk-based capital ratio18.5376%2,092
Memoranda:
Average total assets$14,767,196,00093
Average earning assets$13,413,772,75092
Average equity$1,957,861,75080
Average total loans$9,730,799,00093
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0536%3,050
Cost of funding earning assets0.8709%334
Net interest margin3.1827%4,602
Noninterest income to average assets0.3533%4,248
Noninterest expense to average assets1.5409%5,808
Loan and lease loss provision to assets-0.0448%5,821
Net operating income to assets1.1545%1,755
Return on assets (ROA)1.1545%1,869
Pretax return on assets1.7473%982
Return on Equity (ROE)8.6791%2,646
Retained earnings to average equity (ytd only)-0.1005%5,305
Net charge-offs to loans-0.1332%5,709
Credit loss provision to net charge-offs51.4419%2,654
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.0145%5,710
Assets per employee ($millions)8.1559%532
Cash dividends to net income (ytd only)*101.1574%495
Condition Ratios (%)
Loss allowance to loans1.1402%3,718
Loan loss allowance to noncurrent loans175.6777%2,542
Noncurrent assets plus other real estate owned to assets0.6402%3,081
Noncurrent loans to loans0.6490%3,127
Net loans and leases to total assets64.9554%3,231
Net loans and leases to deposits90.7864%1,656
Net loans and leases to core deposits95.3060%2,041
Total domestic deposits to total assets71.5475%5,696
Equity capital to assets13.2011%1,387
Core capital (leverage) ratio11.5707%1,934
Tier 1 risk-based capital ratio17.8997%1,959
Total risk-based capital ratio19.1276%1,928
Memoranda:
Average total assets$14,727,804,00094
Average earning assets$13,373,655,33093
Average equity$1,959,089,33080
Average total loans$9,633,909,00093
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0875%2,890
Cost of funding earning assets0.8622%363
Net interest margin3.2253%4,497
Noninterest income to average assets0.3412%4,289
Noninterest expense to average assets1.5835%5,844
Loan and lease loss provision to assets-0.0409%5,936
Net operating income to assets1.1417%1,743
Return on assets (ROA)1.1417%1,863
Pretax return on assets1.7274%998
Return on Equity (ROE)8.5499%2,634
Retained earnings to average equity (ytd only)-2.2637%5,409
Net charge-offs to loans-0.1469%5,768
Credit loss provision to net charge-offs42.6379%2,125
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.9201%5,728
Assets per employee ($millions)7.9859%572
Cash dividends to net income (ytd only)*126.4766%490
Condition Ratios (%)
Loss allowance to loans1.1386%3,846
Loan loss allowance to noncurrent loans157.1551%2,681
Noncurrent assets plus other real estate owned to assets0.7411%2,859
Noncurrent loans to loans0.7245%3,025
Net loans and leases to total assets65.0600%3,098
Net loans and leases to deposits90.1977%1,559
Net loans and leases to core deposits94.4325%1,946
Total domestic deposits to total assets72.1305%5,763
Equity capital to assets13.3129%1,262
Core capital (leverage) ratio11.6099%1,898
Tier 1 risk-based capital ratio17.9682%1,992
Total risk-based capital ratio19.1939%1,966
Memoranda:
Average total assets$14,682,069,00094
Average earning assets$13,332,720,50094
Average equity$1,960,483,50080
Average total loans$9,582,394,00093
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0677%3,038
Cost of funding earning assets0.8530%362
Net interest margin3.2147%4,577
Noninterest income to average assets0.2910%4,810
Noninterest expense to average assets1.6533%5,885
Loan and lease loss provision to assets-0.0471%5,738
Net operating income to assets1.0382%2,178
Return on assets (ROA)1.0812%2,070
Pretax return on assets1.6813%1,042
Return on Equity (ROE)8.0480%2,937
Retained earnings to average equity (ytd only)2.0615%4,557
Net charge-offs to loans-0.0625%5,628
Credit loss provision to net charge-offs122.2817%2,116
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.6611%5,727
Assets per employee ($millions)8.0515%546
Cash dividends to net income (ytd only)*74.3854%1,078
Condition Ratios (%)
Loss allowance to loans1.1345%3,836
Loan loss allowance to noncurrent loans149.8979%2,812
Noncurrent assets plus other real estate owned to assets0.7764%2,739
Noncurrent loans to loans0.7569%2,911
Net loans and leases to total assets63.9892%3,283
Net loans and leases to deposits88.2321%1,850
Net loans and leases to core deposits92.2689%2,191
Total domestic deposits to total assets72.5238%5,764
Equity capital to assets13.3929%1,168
Core capital (leverage) ratio11.6935%1,821
Tier 1 risk-based capital ratio18.4756%1,839
Total risk-based capital ratio19.7045%1,786
Memoranda:
Average total assets$14,548,119,60093
Average earning assets$13,256,870,40092
Average equity$1,954,385,60081
Average total loans$8,962,429,40096
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0578%3,109
Cost of funding earning assets0.8548%370
Net interest margin3.2030%4,661
Noninterest income to average assets0.3010%4,781
Noninterest expense to average assets1.6263%5,966
Loan and lease loss provision to assets-0.0629%5,940
Net operating income to assets1.0652%2,149
Return on assets (ROA)1.1219%1,993
Pretax return on assets1.7466%1,001
Return on Equity (ROE)8.3448%2,909
Retained earnings to average equity (ytd only)1.1692%5,248
Net charge-offs to loans-0.0684%5,654
Credit loss provision to net charge-offs151.2254%1,662
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.7646%5,791
Assets per employee ($millions)7.9290%562
Cash dividends to net income (ytd only)*85.9895%612
Condition Ratios (%)
Loss allowance to loans1.1511%3,916
Loan loss allowance to noncurrent loans147.1271%2,852
Noncurrent assets plus other real estate owned to assets0.9175%2,566
Noncurrent loans to loans0.7824%3,008
Net loans and leases to total assets62.9497%3,462
Net loans and leases to deposits86.1678%2,122
Net loans and leases to core deposits90.1294%2,454
Total domestic deposits to total assets73.0548%5,782
Equity capital to assets13.3754%1,282
Core capital (leverage) ratio11.6595%1,914
Tier 1 risk-based capital ratio18.7309%1,844
Total risk-based capital ratio19.9845%1,805
Memoranda:
Average total assets$14,511,637,75094
Average earning assets$13,231,195,75093
Average equity$1,950,992,50081
Average total loans$8,825,410,00098
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0162%3,217
Cost of funding earning assets0.8603%359
Net interest margin3.1559%4,808
Noninterest income to average assets0.2727%4,997
Noninterest expense to average assets1.6581%6,009
Loan and lease loss provision to assets-0.0876%6,074
Net operating income to assets1.0150%2,314
Return on assets (ROA)1.1002%2,044
Pretax return on assets1.7100%1,066
Return on Equity (ROE)8.1692%2,954
Retained earnings to average equity (ytd only)-0.5417%5,615
Net charge-offs to loans-0.0648%5,639
Credit loss provision to net charge-offs225.8627%1,124
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.9026%5,721
Assets per employee ($millions)7.8148%579
Cash dividends to net income (ytd only)*106.6312%438
Condition Ratios (%)
Loss allowance to loans1.1963%3,817
Loan loss allowance to noncurrent loans144.5123%2,879
Noncurrent assets plus other real estate owned to assets0.9557%2,621
Noncurrent loans to loans0.8278%3,054
Net loans and leases to total assets60.6944%3,727
Net loans and leases to deposits82.3907%2,513
Net loans and leases to core deposits86.2433%2,743
Total domestic deposits to total assets73.6666%5,819
Equity capital to assets13.4862%1,174
Core capital (leverage) ratio11.4887%1,998
Tier 1 risk-based capital ratio19.3523%1,710
Total risk-based capital ratio20.6133%1,674
Memoranda:
Average total assets$14,491,025,33096
Average earning assets$13,200,635,33095
Average equity$1,951,569,33082
Average total loans$8,673,617,670100
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0542%3,027
Cost of funding earning assets0.8575%366
Net interest margin3.1967%4,626
Noninterest income to average assets0.2557%5,132
Noninterest expense to average assets1.5413%6,152
Loan and lease loss provision to assets-0.1086%6,214
Net operating income to assets1.1158%1,816
Return on assets (ROA)1.1158%1,921
Pretax return on assets1.7331%985
Return on Equity (ROE)8.2906%2,812
Retained earnings to average equity (ytd only)1.1414%5,026
Net charge-offs to loans-0.1453%5,971
Credit loss provision to net charge-offs126.4489%1,398
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.8322%6,029
Assets per employee ($millions)7.8325%587
Cash dividends to net income (ytd only)*86.2324%877
Condition Ratios (%)
Loss allowance to loans1.2499%3,687
Loan loss allowance to noncurrent loans122.7595%3,213
Noncurrent assets plus other real estate owned to assets1.1555%2,328
Noncurrent loans to loans1.0182%2,727
Net loans and leases to total assets58.5857%3,864
Net loans and leases to deposits80.1312%2,546
Net loans and leases to core deposits83.9149%2,782
Total domestic deposits to total assets73.1122%5,970
Equity capital to assets13.4261%1,201
Core capital (leverage) ratio11.5185%1,995
Tier 1 risk-based capital ratio19.9689%1,627
Total risk-based capital ratio21.2298%1,596
Memoranda:
Average total assets$14,550,808,50095
Average earning assets$13,246,837,50095
Average equity$1,958,273,50081
Average total loans$8,596,284,50098
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0671%3,446
Cost of funding earning assets0.9360%316
Net interest margin3.1311%5,126
Noninterest income to average assets0.1598%5,906
Noninterest expense to average assets1.4688%6,309
Loan and lease loss provision to assets-0.1119%6,167
Net operating income to assets1.0700%2,086
Return on assets (ROA)1.0700%2,139
Pretax return on assets1.6654%1,057
Return on Equity (ROE)7.9482%3,168
Retained earnings to average equity (ytd only)0.8075%5,406
Net charge-offs to loans-0.1111%6,136
Credit loss provision to net charge-offs177.3969%1,369
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.7186%6,194
Assets per employee ($millions)7.7841%582
Cash dividends to net income (ytd only)*89.8403%591
Condition Ratios (%)
Loss allowance to loans1.3012%3,415
Loan loss allowance to noncurrent loans99.7572%3,722
Noncurrent assets plus other real estate owned to assets1.3563%2,060
Noncurrent loans to loans1.3044%2,268
Net loans and leases to total assets58.0608%4,038
Net loans and leases to deposits79.4150%2,794
Net loans and leases to core deposits83.3602%2,966
Total domestic deposits to total assets73.1106%6,010
Equity capital to assets13.4905%1,165
Core capital (leverage) ratio11.3304%2,105
Tier 1 risk-based capital ratio21.8980%1,238
Total risk-based capital ratio23.1583%1,217
Memoranda:
Average total assets$14,563,900,80091
Average earning assets$13,314,806,60089
Average equity$1,960,605,40078
Average total loans$8,272,545,200100
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0642%3,511
Cost of funding earning assets0.9398%321
Net interest margin3.1243%5,185
Noninterest income to average assets0.1395%6,079
Noninterest expense to average assets1.4273%6,386
Loan and lease loss provision to assets-0.0988%6,272
Net operating income to assets1.0730%2,144
Return on assets (ROA)1.0730%2,210
Pretax return on assets1.6705%1,139
Return on Equity (ROE)7.9744%3,223
Retained earnings to average equity (ytd only)3.2173%4,343
Net charge-offs to loans-0.1356%6,215
Credit loss provision to net charge-offs129.3843%1,782
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.7222%6,256
Assets per employee ($millions)7.7307%582
Cash dividends to net income (ytd only)*59.6547%1,395
Condition Ratios (%)
Loss allowance to loans1.3580%3,363
Loan loss allowance to noncurrent loans120.0034%3,220
Noncurrent assets plus other real estate owned to assets1.2494%2,458
Noncurrent loans to loans1.1316%2,795
Net loans and leases to total assets56.4003%4,281
Net loans and leases to deposits77.5639%2,998
Net loans and leases to core deposits81.4049%3,160
Total domestic deposits to total assets72.7146%6,114
Equity capital to assets13.4421%1,211
Core capital (leverage) ratio11.4627%2,093
Tier 1 risk-based capital ratio22.8483%1,142
Total risk-based capital ratio24.1083%1,117
Memoranda:
Average total assets$14,581,381,50088
Average earning assets$13,345,166,75089
Average equity$1,961,930,50079
Average total loans$8,209,116,000100
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0699%3,468
Cost of funding earning assets0.9468%323
Net interest margin3.1232%5,179
Noninterest income to average assets0.1074%6,261
Noninterest expense to average assets1.4184%6,459
Loan and lease loss provision to assets-0.1010%6,376
Net operating income to assets1.0590%2,087
Return on assets (ROA)1.0590%2,161
Pretax return on assets1.6458%1,148
Return on Equity (ROE)7.8684%3,178
Retained earnings to average equity (ytd only)4.2872%3,443
Net charge-offs to loans-0.0920%6,121
Credit loss provision to net charge-offs196.0973%1,196
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.0403%6,323
Assets per employee ($millions)7.5932%591
Cash dividends to net income (ytd only)*45.5137%2,135
Condition Ratios (%)
Loss allowance to loans1.4020%3,338
Loan loss allowance to noncurrent loans107.2428%3,480
Noncurrent assets plus other real estate owned to assets1.4083%2,325
Noncurrent loans to loans1.3073%2,625
Net loans and leases to total assets55.2554%4,379
Net loans and leases to deposits75.8495%3,075
Net loans and leases to core deposits79.7967%3,235
Total domestic deposits to total assets72.8487%6,196
Equity capital to assets13.4038%1,195
Core capital (leverage) ratio11.5788%1,940
Tier 1 risk-based capital ratio23.1428%1,093
Total risk-based capital ratio24.4068%1,075
Memoranda:
Average total assets$14,522,518,00088
Average earning assets$13,279,091,00089
Average equity$1,954,644,67077
Average total loans$8,132,780,000100
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0553%3,448
Cost of funding earning assets0.9576%325
Net interest margin3.0977%5,260
Noninterest income to average assets0.1388%6,149
Noninterest expense to average assets1.4122%6,553
Loan and lease loss provision to assets-0.1205%6,513
Net operating income to assets1.0810%1,892
Return on assets (ROA)1.0810%1,958
Pretax return on assets1.6790%1,018
Return on Equity (ROE)8.0146%2,921
Retained earnings to average equity (ytd only)8.0146%1,589
Net charge-offs to loans-0.0756%5,993
Credit loss provision to net charge-offs284.7012%826
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.8570%6,399
Assets per employee ($millions)7.7832%540
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4472%3,377
Loan loss allowance to noncurrent loans93.6734%3,773
Noncurrent assets plus other real estate owned to assets1.5866%2,223
Noncurrent loans to loans1.5449%2,495
Net loans and leases to total assets55.4553%4,216
Net loans and leases to deposits76.8438%2,707
Net loans and leases to core deposits80.9796%2,853
Total domestic deposits to total assets72.1662%6,349
Equity capital to assets13.6792%1,042
Core capital (leverage) ratio11.7381%1,811
Tier 1 risk-based capital ratio23.9890%1,001
Total risk-based capital ratio25.2510%982
Memoranda:
Average total assets$14,387,980,50087
Average earning assets$13,153,541,00087
Average equity$1,940,649,00075
Average total loans$8,054,485,50098
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2986%2,965
Cost of funding earning assets1.0895%302
Net interest margin3.2091%4,972
Noninterest income to average assets0.0877%6,431
Noninterest expense to average assets1.2533%6,699
Loan and lease loss provision to assets-0.0513%6,388
Net operating income to assets1.1749%1,667
Return on assets (ROA)1.1749%1,721
Pretax return on assets1.8178%727
Return on Equity (ROE)8.2894%2,889
Retained earnings to average equity (ytd only)2.3417%4,580
Net charge-offs to loans0.0228%4,972
Credit loss provision to net charge-offs-376.5805%6,095
Earnings coverage of net charge-offs (x)129.6124%359
Efficiency ratio40.9444%6,674
Assets per employee ($millions)7.7966%524
Cash dividends to net income (ytd only)*71.7502%1,246
Condition Ratios (%)
Loss allowance to loans1.4725%3,323
Loan loss allowance to noncurrent loans85.5684%4,018
Noncurrent assets plus other real estate owned to assets1.7408%2,124
Noncurrent loans to loans1.7209%2,334
Net loans and leases to total assets54.8724%4,481
Net loans and leases to deposits75.7181%2,994
Net loans and leases to core deposits79.7522%3,161
Total domestic deposits to total assets72.4694%6,389
Equity capital to assets13.2974%1,144
Core capital (leverage) ratio12.0120%1,601
Tier 1 risk-based capital ratio23.8029%976
Total risk-based capital ratio25.0606%961
Memoranda:
Average total assets$13,346,848,20091
Average earning assets$12,194,628,20090
Average equity$1,891,724,80074
Average total loans$7,966,146,60094
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3636%2,721
Cost of funding earning assets1.1167%285
Net interest margin3.2469%4,840
Noninterest income to average assets0.1051%6,465
Noninterest expense to average assets1.2611%6,763
Loan and lease loss provision to assets-0.0229%6,498
Net operating income to assets1.1872%1,674
Return on assets (ROA)1.1872%1,746
Pretax return on assets1.8335%833
Return on Equity (ROE)8.2358%3,007
Retained earnings to average equity (ytd only)0.2804%5,858
Net charge-offs to loans0.1314%3,223
Credit loss provision to net charge-offs-28.7136%5,664
Earnings coverage of net charge-offs (x)22.6695%1,485
Efficiency ratio40.5808%6,738
Assets per employee ($millions)8.9805%309
Cash dividends to net income (ytd only)*96.5959%455
Condition Ratios (%)
Loss allowance to loans1.4700%3,590
Loan loss allowance to noncurrent loans74.6860%4,244
Noncurrent assets plus other real estate owned to assets2.1745%1,834
Noncurrent loans to loans1.9683%2,291
Net loans and leases to total assets59.8002%3,729
Net loans and leases to deposits85.3863%1,694
Net loans and leases to core deposits90.3202%1,939
Total domestic deposits to total assets70.0349%6,596
Equity capital to assets14.3792%859
Core capital (leverage) ratio12.5932%1,372
Tier 1 risk-based capital ratio24.3751%945
Total risk-based capital ratio25.6365%924
Memoranda:
Average total assets$13,081,510,25092
Average earning assets$11,951,883,25090
Average equity$1,885,678,50073
Average total loans$7,951,610,75095
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3263%2,848
Cost of funding earning assets1.1189%309
Net interest margin3.2074%4,921
Noninterest income to average assets0.0365%6,707
Noninterest expense to average assets1.2453%6,818
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.1258%1,831
Return on assets (ROA)1.1258%1,951
Pretax return on assets1.7210%1,067
Return on Equity (ROE)7.8038%3,187
Retained earnings to average equity (ytd only)1.3944%5,326
Net charge-offs to loans0.2193%2,430
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)12.9037%1,942
Efficiency ratio41.4503%6,768
Assets per employee ($millions)9.1452%286
Cash dividends to net income (ytd only)*82.1314%859
Condition Ratios (%)
Loss allowance to loans1.5106%3,542
Loan loss allowance to noncurrent loans67.8069%4,496
Noncurrent assets plus other real estate owned to assets2.3273%1,854
Noncurrent loans to loans2.2277%2,140
Net loans and leases to total assets59.1723%3,800
Net loans and leases to deposits84.5958%1,726
Net loans and leases to core deposits89.6052%1,941
Total domestic deposits to total assets69.9472%6,662
Equity capital to assets14.5219%818
Core capital (leverage) ratio12.7049%1,286
Tier 1 risk-based capital ratio25.3317%836
Total risk-based capital ratio26.5892%819
Memoranda:
Average total assets$13,080,495,33092
Average earning assets$11,948,713,67091
Average equity$1,887,085,00072
Average total loans$7,955,039,33095
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2919%2,919
Cost of funding earning assets1.1178%343
Net interest margin3.1741%5,017
Noninterest income to average assets-0.0292%6,890
Noninterest expense to average assets1.2174%6,903
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.1039%1,841
Return on assets (ROA)1.1039%1,948
Pretax return on assets1.6506%1,190
Return on Equity (ROE)7.6771%3,123
Retained earnings to average equity (ytd only)1.2102%5,366
Net charge-offs to loans0.1966%2,236
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)13.7246%1,503
Efficiency ratio42.0518%6,839
Assets per employee ($millions)9.1162%304
Cash dividends to net income (ytd only)*84.2368%823
Condition Ratios (%)
Loss allowance to loans1.5509%3,613
Loan loss allowance to noncurrent loans69.8641%4,339
Noncurrent assets plus other real estate owned to assets2.3266%1,996
Noncurrent loans to loans2.2199%2,367
Net loans and leases to total assets59.4643%3,523
Net loans and leases to deposits84.6631%1,509
Net loans and leases to core deposits89.2431%1,779
Total domestic deposits to total assets70.2363%6,754
Equity capital to assets14.3987%907
Core capital (leverage) ratio12.5506%1,315
Tier 1 risk-based capital ratio25.4328%847
Total risk-based capital ratio26.6915%832
Memoranda:
Average total assets$13,113,905,50092
Average earning assets$11,969,619,50091
Average equity$1,885,712,50073
Average total loans$8,023,258,50095
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6962%2,611
Cost of funding earning assets1.4516%205
Net interest margin3.2446%5,444
Noninterest income to average assets0.0285%6,758
Noninterest expense to average assets1.7938%6,632
Loan and lease loss provision to assets0.2818%2,402
Net operating income to assets0.6006%4,233
Return on assets (ROA)1.0605%2,276
Pretax return on assets1.6552%1,250
Return on Equity (ROE)7.4867%3,348
Retained earnings to average equity (ytd only)1.5916%5,077
Net charge-offs to loans0.8124%1,441
Credit loss provision to net charge-offs56.7474%4,530
Earnings coverage of net charge-offs (x)2.4537%4,182
Efficiency ratio59.1792%5,671
Assets per employee ($millions)9.1676%313
Cash dividends to net income (ytd only)*78.7408%1,043
Condition Ratios (%)
Loss allowance to loans1.5613%3,468
Loan loss allowance to noncurrent loans64.2435%4,483
Noncurrent assets plus other real estate owned to assets2.4138%2,030
Noncurrent loans to loans2.4303%2,186
Net loans and leases to total assets60.9946%3,420
Net loans and leases to deposits86.2981%1,480
Net loans and leases to core deposits88.9978%1,968
Total domestic deposits to total assets70.6790%6,763
Equity capital to assets14.3602%919
Core capital (leverage) ratio12.4881%1,323
Tier 1 risk-based capital ratio24.9888%854
Total risk-based capital ratio26.2480%844
Memoranda:
Average total assets$13,253,083,20089
Average earning assets$12,187,488,40086
Average equity$1,877,353,20073
Average total loans$8,100,501,40090
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7812%2,460
Cost of funding earning assets1.5349%170
Net interest margin3.2463%5,561
Noninterest income to average assets0.0490%6,809
Noninterest expense to average assets2.0121%6,333
Loan and lease loss provision to assets0.3386%1,933
Net operating income to assets0.4438%5,061
Return on assets (ROA)1.0553%2,481
Pretax return on assets1.6466%1,425
Return on Equity (ROE)7.4755%3,539
Retained earnings to average equity (ytd only)1.8336%5,418
Net charge-offs to loans0.9206%1,177
Credit loss provision to net charge-offs60.3782%4,138
Earnings coverage of net charge-offs (x)1.8362%4,344
Efficiency ratio65.7773%4,488
Assets per employee ($millions)9.8944%248
Cash dividends to net income (ytd only)*75.4718%762
Condition Ratios (%)
Loss allowance to loans1.6929%3,176
Loan loss allowance to noncurrent loans62.7099%4,534
Noncurrent assets plus other real estate owned to assets2.6073%2,023
Noncurrent loans to loans2.6995%2,101
Net loans and leases to total assets62.0197%3,373
Net loans and leases to deposits89.2794%1,232
Net loans and leases to core deposits93.3827%1,637
Total domestic deposits to total assets69.4670%6,866
Equity capital to assets14.8102%869
Core capital (leverage) ratio12.9167%1,220
Tier 1 risk-based capital ratio26.0265%823
Total risk-based capital ratio27.2885%805
Memoranda:
Average total assets$13,288,936,25087
Average earning assets$12,251,316,50082
Average equity$1,876,046,25075
Average total loans$8,094,870,75091
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8376%2,349
Cost of funding earning assets1.5768%171
Net interest margin3.2608%5,562
Noninterest income to average assets0.0411%6,888
Noninterest expense to average assets1.0370%7,180
Loan and lease loss provision to assets0.4183%1,561
Net operating income to assets1.0253%2,359
Return on assets (ROA)1.0253%2,581
Pretax return on assets1.5996%1,549
Return on Equity (ROE)7.3736%3,577
Retained earnings to average equity (ytd only)1.7554%5,318
Net charge-offs to loans1.1003%988
Credit loss provision to net charge-offs63.0995%3,723
Earnings coverage of net charge-offs (x)3.0439%3,528
Efficiency ratio33.5724%7,145
Assets per employee ($millions)10.8882%183
Cash dividends to net income (ytd only)*76.1934%895
Condition Ratios (%)
Loss allowance to loans1.7588%2,990
Loan loss allowance to noncurrent loans67.0326%4,323
Noncurrent assets plus other real estate owned to assets2.4919%2,243
Noncurrent loans to loans2.6238%2,290
Net loans and leases to total assets58.7711%4,027
Net loans and leases to deposits90.5038%1,096
Net loans and leases to core deposits94.7975%1,524
Total domestic deposits to total assets64.9377%7,066
Equity capital to assets14.0073%1,096
Core capital (leverage) ratio11.8656%1,673
Tier 1 risk-based capital ratio25.1680%886
Total risk-based capital ratio26.4309%870
Memoranda:
Average total assets$13,562,942,00085
Average earning assets$12,535,301,00081
Average equity$1,885,936,33075
Average total loans$8,171,462,33089
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9800%1,960
Cost of funding earning assets1.5910%195
Net interest margin3.3890%5,160
Noninterest income to average assets0.0141%7,063
Noninterest expense to average assets1.0442%7,248
Loan and lease loss provision to assets0.5290%1,131
Net operating income to assets1.0066%2,457
Return on assets (ROA)1.0066%2,646
Pretax return on assets1.5698%1,666
Return on Equity (ROE)7.2654%3,623
Retained earnings to average equity (ytd only)1.7130%5,374
Net charge-offs to loans1.3962%720
Credit loss provision to net charge-offs62.6719%3,060
Earnings coverage of net charge-offs (x)2.4865%3,175
Efficiency ratio32.8418%7,212
Assets per employee ($millions)10.8711%190
Cash dividends to net income (ytd only)*76.4227%868
Condition Ratios (%)
Loss allowance to loans1.8128%2,950
Loan loss allowance to noncurrent loans69.7007%4,053
Noncurrent assets plus other real estate owned to assets2.5888%2,286
Noncurrent loans to loans2.6008%2,503
Net loans and leases to total assets58.9214%3,868
Net loans and leases to deposits90.3436%939
Net loans and leases to core deposits94.5525%1,411
Total domestic deposits to total assets65.2192%7,124
Equity capital to assets13.8591%1,070
Core capital (leverage) ratio11.7045%1,766
Tier 1 risk-based capital ratio24.7951%922
Total risk-based capital ratio26.0589%911
Memoranda:
Average total assets$13,610,051,00084
Average earning assets$12,565,809,50081
Average equity$1,885,599,00074
Average total loans$8,228,476,00088
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1908%2,103
Cost of funding earning assets1.7734%239
Net interest margin3.4174%5,438
Noninterest income to average assets-0.2423%7,177
Noninterest expense to average assets0.9760%7,297
Loan and lease loss provision to assets0.5823%1,777
Net operating income to assets0.8580%2,779
Return on assets (ROA)0.8968%2,749
Pretax return on assets1.3989%1,796
Return on Equity (ROE)6.5281%3,627
Retained earnings to average equity (ytd only)0.9827%5,400
Net charge-offs to loans0.9657%1,785
Credit loss provision to net charge-offs95.1463%3,793
Earnings coverage of net charge-offs (x)3.1381%3,643
Efficiency ratio33.3225%7,271
Assets per employee ($millions)11.0016%181
Cash dividends to net income (ytd only)*84.9466%643
Condition Ratios (%)
Loss allowance to loans1.9038%2,555
Loan loss allowance to noncurrent loans65.2203%4,255
Noncurrent assets plus other real estate owned to assets3.0867%1,939
Noncurrent loans to loans2.9190%2,233
Net loans and leases to total assets59.7461%4,036
Net loans and leases to deposits91.5937%1,003
Net loans and leases to core deposits95.7597%1,519
Total domestic deposits to total assets65.2296%7,146
Equity capital to assets13.8498%1,127
Core capital (leverage) ratio11.7272%1,750
Tier 1 risk-based capital ratio23.6925%999
Total risk-based capital ratio24.9572%983
Memoranda:
Average total assets$13,448,340,60081
Average earning assets$12,352,122,60081
Average equity$1,847,470,00074
Average total loans$8,522,814,20084
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2127%2,161
Cost of funding earning assets1.8094%250
Net interest margin3.4033%5,557
Noninterest income to average assets-0.1789%7,253
Noninterest expense to average assets1.0064%7,371
Loan and lease loss provision to assets0.6678%1,446
Net operating income to assets0.8144%3,083
Return on assets (ROA)0.8663%3,026
Pretax return on assets1.3511%2,111
Return on Equity (ROE)6.3189%3,867
Retained earnings to average equity (ytd only)0.8306%5,676
Net charge-offs to loans0.5626%2,555
Credit loss provision to net charge-offs185.4675%1,583
Earnings coverage of net charge-offs (x)5.3818%2,802
Efficiency ratio33.9032%7,331
Assets per employee ($millions)11.0117%187
Cash dividends to net income (ytd only)*86.8546%488
Condition Ratios (%)
Loss allowance to loans1.3659%4,706
Loan loss allowance to noncurrent loans42.2688%5,490
Noncurrent assets plus other real estate owned to assets3.4080%1,856
Noncurrent loans to loans3.2316%2,145
Net loans and leases to total assets61.8951%3,751
Net loans and leases to deposits95.5010%725
Net loans and leases to core deposits99.7870%1,263
Total domestic deposits to total assets64.8110%7,235
Equity capital to assets14.0234%1,147
Core capital (leverage) ratio11.8240%1,812
Tier 1 risk-based capital ratio23.4403%1,084
Total risk-based capital ratio24.6762%1,068
Memoranda:
Average total assets$13,397,171,00083
Average earning assets$12,294,436,25080
Average equity$1,836,608,00073
Average total loans$8,574,653,25083
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2364%2,117
Cost of funding earning assets1.8325%277
Net interest margin3.4039%5,546
Noninterest income to average assets-0.1548%7,316
Noninterest expense to average assets1.0024%7,454
Loan and lease loss provision to assets0.7735%1,197
Net operating income to assets0.7630%3,233
Return on assets (ROA)0.8409%2,999
Pretax return on assets1.3112%2,101
Return on Equity (ROE)6.1814%3,866
Retained earnings to average equity (ytd only)0.6220%5,612
Net charge-offs to loans0.6738%2,152
Credit loss provision to net charge-offs178.1841%1,692
Earnings coverage of net charge-offs (x)4.5220%2,840
Efficiency ratio33.5032%7,413
Assets per employee ($millions)10.9667%189
Cash dividends to net income (ytd only)*89.9378%601
Condition Ratios (%)
Loss allowance to loans1.3342%4,902
Loan loss allowance to noncurrent loans36.8565%5,831
Noncurrent assets plus other real estate owned to assets3.8249%1,694
Noncurrent loans to loans3.6198%1,945
Net loans and leases to total assets63.3600%3,611
Net loans and leases to deposits96.4680%690
Net loans and leases to core deposits100.8017%1,270
Total domestic deposits to total assets65.6798%7,267
Equity capital to assets13.7756%1,172
Core capital (leverage) ratio11.8215%1,708
Tier 1 risk-based capital ratio23.0311%1,113
Total risk-based capital ratio24.2646%1,103
Memoranda:
Average total assets$13,381,114,00084
Average earning assets$12,265,636,67083
Average equity$1,820,311,33075
Average total loans$8,620,450,67085
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1794%2,305
Cost of funding earning assets1.8549%308
Net interest margin3.3245%5,696
Noninterest income to average assets-0.1747%7,420
Noninterest expense to average assets0.9870%7,516
Loan and lease loss provision to assets0.9173%865
Net operating income to assets0.6219%3,911
Return on assets (ROA)0.7774%3,202
Pretax return on assets1.2107%2,332
Return on Equity (ROE)5.7510%4,046
Retained earnings to average equity (ytd only)-0.0967%5,806
Net charge-offs to loans0.8612%1,533
Credit loss provision to net charge-offs165.0741%1,758
Earnings coverage of net charge-offs (x)3.3923%2,756
Efficiency ratio33.9853%7,468
Assets per employee ($millions)10.9194%197
Cash dividends to net income (ytd only)*101.6806%579
Condition Ratios (%)
Loss allowance to loans1.2550%5,360
Loan loss allowance to noncurrent loans44.0982%5,358
Noncurrent assets plus other real estate owned to assets3.4178%1,993
Noncurrent loans to loans2.8460%2,650
Net loans and leases to total assets63.1850%3,608
Net loans and leases to deposits95.7290%710
Net loans and leases to core deposits99.9677%1,339
Total domestic deposits to total assets66.0040%7,327
Equity capital to assets13.4816%1,190
Core capital (leverage) ratio11.6792%1,754
Tier 1 risk-based capital ratio23.0036%1,081
Total risk-based capital ratio24.2364%1,069
Memoranda:
Average total assets$13,409,389,50084
Average earning assets$12,288,746,00082
Average equity$1,812,697,50074
Average total loans$8,652,376,50085
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4132%2,611
Cost of funding earning assets2.1277%386
Net interest margin3.2855%6,031
Noninterest income to average assets0.1937%6,386
Noninterest expense to average assets1.0900%7,568
Loan and lease loss provision to assets1.0148%1,603
Net operating income to assets0.9993%2,044
Return on assets (ROA)1.0127%2,098
Pretax return on assets1.1162%2,521
Return on Equity (ROE)7.5329%2,884
Retained earnings to average equity (ytd only)5.8698%1,898
Net charge-offs to loans1.0356%2,129
Credit loss provision to net charge-offs144.9333%2,555
Earnings coverage of net charge-offs (x)3.0224%3,558
Efficiency ratio33.5809%7,564
Assets per employee ($millions)10.9556%199
Cash dividends to net income (ytd only)*22.0777%3,371
Condition Ratios (%)
Loss allowance to loans1.1598%5,694
Loan loss allowance to noncurrent loans36.3505%5,889
Noncurrent assets plus other real estate owned to assets3.6728%1,876
Noncurrent loans to loans3.1905%2,386
Net loans and leases to total assets64.3052%3,805
Net loans and leases to deposits97.4490%757
Net loans and leases to core deposits101.7494%1,474
Total domestic deposits to total assets65.9885%7,392
Equity capital to assets13.5545%1,166
Core capital (leverage) ratio11.6606%1,751
Tier 1 risk-based capital ratio22.6110%1,089
Total risk-based capital ratio23.8326%1,076
Memoranda:
Average total assets$13,417,683,00082
Average earning assets$12,303,210,40080
Average equity$1,803,885,40072
Average total loans$9,071,583,80083
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4169%2,807
Cost of funding earning assets2.1779%407
Net interest margin3.2390%6,213
Noninterest income to average assets0.3258%5,549
Noninterest expense to average assets1.1149%7,680
Loan and lease loss provision to assets1.0949%1,331
Net operating income to assets1.0852%1,945
Return on assets (ROA)1.1049%1,977
Pretax return on assets1.1057%2,807
Return on Equity (ROE)8.2352%2,814
Retained earnings to average equity (ytd only)8.2352%1,340
Net charge-offs to loans1.1285%1,807
Credit loss provision to net charge-offs142.1608%2,777
Earnings coverage of net charge-offs (x)2.8317%3,719
Efficiency ratio33.4009%7,656
Assets per employee ($millions)11.0289%207
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.0833%6,011
Loan loss allowance to noncurrent loans33.0031%6,135
Noncurrent assets plus other real estate owned to assets3.7227%1,909
Noncurrent loans to loans3.2825%2,414
Net loans and leases to total assets66.4016%3,595
Net loans and leases to deposits100.7953%600
Net loans and leases to core deposits104.5465%1,438
Total domestic deposits to total assets65.8777%7,475
Equity capital to assets13.6568%1,293
Core capital (leverage) ratio11.6687%1,835
Tier 1 risk-based capital ratio22.1710%1,183
Total risk-based capital ratio23.3921%1,156
Memoranda:
Average total assets$13,414,207,25082
Average earning assets$12,300,389,50080
Average equity$1,799,709,50072
Average total loans$9,154,842,00081
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4311%2,833
Cost of funding earning assets2.2114%446
Net interest margin3.2197%6,257
Noninterest income to average assets0.7075%2,664
Noninterest expense to average assets1.0815%7,758
Loan and lease loss provision to assets1.2571%1,110
Net operating income to assets1.4261%1,042
Return on assets (ROA)1.4261%1,117
Pretax return on assets1.3229%2,020
Return on Equity (ROE)10.6936%1,861
Retained earnings to average equity (ytd only)10.6936%713
Net charge-offs to loans1.4978%1,277
Credit loss provision to net charge-offs122.3064%3,307
Earnings coverage of net charge-offs (x)2.5101%3,747
Efficiency ratio29.1258%7,755
Assets per employee ($millions)11.1033%197
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.9728%6,512
Loan loss allowance to noncurrent loans32.0346%6,228
Noncurrent assets plus other real estate owned to assets3.4654%2,032
Noncurrent loans to loans3.0367%2,652
Net loans and leases to total assets66.6331%3,701
Net loans and leases to deposits102.7675%546
Net loans and leases to core deposits106.1607%1,427
Total domestic deposits to total assets64.8387%7,565
Equity capital to assets13.3546%1,412
Core capital (leverage) ratio11.3568%2,009
Tier 1 risk-based capital ratio21.4900%1,270
Total risk-based capital ratio22.7145%1,252
Memoranda:
Average total assets$13,389,487,00079
Average earning assets$12,284,631,00077
Average equity$1,785,585,33072
Average total loans$9,188,261,33080
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4530%2,812
Cost of funding earning assets2.2335%533
Net interest margin3.2195%6,229
Noninterest income to average assets2.2322%295
Noninterest expense to average assets1.1973%7,830
Loan and lease loss provision to assets1.9179%582
Net operating income to assets2.4987%149
Return on assets (ROA)2.4987%164
Pretax return on assets2.0742%527
Return on Equity (ROE)18.7505%455
Retained earnings to average equity (ytd only)18.7505%220
Net charge-offs to loans2.5039%651
Credit loss provision to net charge-offs110.5007%3,121
Earnings coverage of net charge-offs (x)2.3001%3,389
Efficiency ratio22.7338%7,891
Assets per employee ($millions)10.8171%213
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.9134%6,803
Loan loss allowance to noncurrent loans29.5906%6,424
Noncurrent assets plus other real estate owned to assets3.4186%2,061
Noncurrent loans to loans3.0868%2,595
Net loans and leases to total assets67.4324%3,520
Net loans and leases to deposits103.5688%554
Net loans and leases to core deposits108.0712%1,413
Total domestic deposits to total assets65.1088%7,644
Equity capital to assets13.1017%1,484
Core capital (leverage) ratio11.1745%2,115
Tier 1 risk-based capital ratio20.8834%1,361
Total risk-based capital ratio22.0328%1,349
Memoranda:
Average total assets$13,227,925,00078
Average earning assets$12,150,236,50076
Average equity$1,762,744,00071
Average total loans$9,168,942,50079
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8915%2,273
Cost of funding earning assets2.5675%861
Net interest margin3.3240%5,648
Noninterest income to average assets-0.1087%7,809
Noninterest expense to average assets0.8731%7,955
Loan and lease loss provision to assets1.8346%1,229
Net operating income to assets0.1761%4,976
Return on assets (ROA)0.2869%4,668
Pretax return on assets0.4567%4,332
Return on Equity (ROE)2.2117%4,828
Retained earnings to average equity (ytd only)1.3216%4,118
Net charge-offs to loans1.6724%1,511
Credit loss provision to net charge-offs146.9516%3,211
Earnings coverage of net charge-offs (x)1.6966%4,471
Efficiency ratio28.3346%7,948
Assets per employee ($millions)11.6719%180
Cash dividends to net income (ytd only)*40.2448%2,925
Condition Ratios (%)
Loss allowance to loans1.0656%6,064
Loan loss allowance to noncurrent loans32.9421%6,257
Noncurrent assets plus other real estate owned to assets3.3386%2,045
Noncurrent loans to loans3.2347%2,357
Net loans and leases to total assets69.9352%3,271
Net loans and leases to deposits110.9422%352
Net loans and leases to core deposits152.9278%442
Total domestic deposits to total assets63.0375%7,735
Equity capital to assets13.5702%1,292
Core capital (leverage) ratio11.5335%1,899
Tier 1 risk-based capital ratio21.1499%1,268
Total risk-based capital ratio22.3551%1,246
Memoranda:
Average total assets$12,414,134,00085
Average earning assets$11,577,143,00082
Average equity$1,610,371,60073
Average total loans$9,266,900,60078
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9639%2,178
Cost of funding earning assets2.6537%900
Net interest margin3.3102%5,602
Noninterest income to average assets-0.0430%7,889
Noninterest expense to average assets0.8796%8,048
Loan and lease loss provision to assets1.7055%1,091
Net operating income to assets0.2890%4,828
Return on assets (ROA)0.2963%4,910
Pretax return on assets0.4737%4,598
Return on Equity (ROE)2.3118%5,056
Retained earnings to average equity (ytd only)1.1047%4,704
Net charge-offs to loans1.9958%987
Credit loss provision to net charge-offs112.9459%4,496
Earnings coverage of net charge-offs (x)1.4355%4,703
Efficiency ratio28.0004%8,021
Assets per employee ($millions)11.3889%197
Cash dividends to net income (ytd only)*52.2129%1,919
Condition Ratios (%)
Loss allowance to loans0.6574%7,476
Loan loss allowance to noncurrent loans18.0432%7,196
Noncurrent assets plus other real estate owned to assets3.5730%1,847
Noncurrent loans to loans3.6435%2,056
Net loans and leases to total assets71.3986%3,180
Net loans and leases to deposits114.0602%323
Net loans and leases to core deposits157.0049%445
Total domestic deposits to total assets62.5973%7,805
Equity capital to assets13.7159%1,411
Core capital (leverage) ratio11.5577%2,040
Tier 1 risk-based capital ratio20.7676%1,404
Total risk-based capital ratio21.5745%1,446
Memoranda:
Average total assets$12,351,656,75091
Average earning assets$11,531,377,75082
Average equity$1,583,331,50075
Average total loans$9,345,623,75081
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0681%1,907
Cost of funding earning assets2.7534%898
Net interest margin3.3146%5,498
Noninterest income to average assets0.0054%7,927
Noninterest expense to average assets0.9070%8,140
Loan and lease loss provision to assets1.7305%970
Net operating income to assets0.2785%4,986
Return on assets (ROA)0.2885%5,053
Pretax return on assets0.4795%4,688
Return on Equity (ROE)2.3060%5,180
Retained earnings to average equity (ytd only)0.4393%5,040
Net charge-offs to loans2.1928%832
Credit loss provision to net charge-offs102.5443%4,461
Earnings coverage of net charge-offs (x)1.3003%4,549
Efficiency ratio28.3727%8,111
Assets per employee ($millions)10.9980%207
Cash dividends to net income (ytd only)*80.9510%1,064
Condition Ratios (%)
Loss allowance to loans0.5673%7,697
Loan loss allowance to noncurrent loans12.4487%7,441
Noncurrent assets plus other real estate owned to assets4.1867%1,378
Noncurrent loans to loans4.5572%1,408
Net loans and leases to total assets75.6491%2,273
Net loans and leases to deposits118.8579%260
Net loans and leases to core deposits162.1404%419
Total domestic deposits to total assets63.6467%7,847
Equity capital to assets11.6546%2,417
Core capital (leverage) ratio9.2092%4,297
Tier 1 risk-based capital ratio15.8011%2,691
Total risk-based capital ratio16.4852%2,852
Memoranda:
Average total assets$12,273,962,67096
Average earning assets$11,464,337,67090
Average equity$1,535,737,67081
Average total loans$9,445,903,67086
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0927%1,969
Cost of funding earning assets2.8390%893
Net interest margin3.2537%5,680
Noninterest income to average assets0.0559%7,800
Noninterest expense to average assets0.7999%8,195
Loan and lease loss provision to assets1.7434%714
Net operating income to assets0.3688%4,978
Return on assets (ROA)0.3688%5,162
Pretax return on assets0.5649%4,864
Return on Equity (ROE)2.8522%5,425
Retained earnings to average equity (ytd only)1.1597%5,176
Net charge-offs to loans2.2518%645
Credit loss provision to net charge-offs100.0463%3,713
Earnings coverage of net charge-offs (x)1.3246%4,080
Efficiency ratio24.8421%8,171
Assets per employee ($millions)11.0179%209
Cash dividends to net income (ytd only)*59.3416%1,509
Condition Ratios (%)
Loss allowance to loans0.5846%7,683
Loan loss allowance to noncurrent loans12.2937%7,479
Noncurrent assets plus other real estate owned to assets4.3694%1,117
Noncurrent loans to loans4.7550%1,167
Net loans and leases to total assets76.9147%2,059
Net loans and leases to deposits124.5914%207
Net loans and leases to core deposits168.6282%369
Total domestic deposits to total assets61.7336%7,925
Equity capital to assets13.1368%1,686
Core capital (leverage) ratio11.2199%2,324
Tier 1 risk-based capital ratio19.2591%1,764
Total risk-based capital ratio19.9773%1,828
Memoranda:
Average total assets$12,389,531,00098
Average earning assets$11,622,581,50090
Average equity$1,601,833,00078
Average total loans$9,587,722,50085
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4804%3,061
Cost of funding earning assets3.4778%559
Net interest margin3.0026%6,909
Noninterest income to average assets0.2008%7,012
Noninterest expense to average assets0.8048%8,230
Loan and lease loss provision to assets1.5599%852
Net operating income to assets0.4402%4,991
Return on assets (ROA)0.4431%4,803
Pretax return on assets0.6776%4,459
Return on Equity (ROE)3.6695%4,965
Retained earnings to average equity (ytd only)0.0196%5,226
Net charge-offs to loans0.6930%1,769
Credit loss provision to net charge-offs282.9775%1,612
Earnings coverage of net charge-offs (x)4.0509%4,124
Efficiency ratio25.7094%8,246
Assets per employee ($millions)11.3474%192
Cash dividends to net income (ytd only)*99.4669%1,007
Condition Ratios (%)
Loss allowance to loans0.6070%7,666
Loan loss allowance to noncurrent loans22.5296%7,120
Noncurrent assets plus other real estate owned to assets2.5799%1,874
Noncurrent loans to loans2.6940%2,013
Net loans and leases to total assets76.9342%2,394
Net loans and leases to deposits132.0378%183
Net loans and leases to core deposits176.2012%328
Total domestic deposits to total assets58.2668%8,006
Equity capital to assets12.7252%1,908
Core capital (leverage) ratio10.9208%2,654
Tier 1 risk-based capital ratio18.9414%1,823
Total risk-based capital ratio19.6952%1,874
Memoranda:
Average total assets$11,684,475,600101
Average earning assets$11,040,529,60096
Average equity$1,410,985,20082
Average total loans$9,294,653,60085