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Wells Fargo Bank, Performance and Condition Ratios

2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7734%4,763
Cost of funding earning assets0.2625%4,328
Net interest margin2.5110%4,577
Noninterest income to average assets1.2841%690
Noninterest expense to average assets2.7440%2,105
Loan and lease loss provision to assets0.7404%195
Net operating income to assets0.1488%4,627
Return on assets (ROA)0.1964%4,638
Pretax return on assets0.1378%4,681
Return on Equity (ROE)2.0402%4,558
Retained earnings to average equity (ytd only)1.0068%4,226
Net charge-offs to loans0.3352%525
Credit loss provision to net charge-offs414.4594%1,399
Earnings coverage of net charge-offs (x)4.6734%2,954
Efficiency ratio76.6036%1,162
Assets per employee ($millions)7.5741%1,234
Cash dividends to net income (ytd only)*50.6512%1,798
Condition Ratios (%)
Loss allowance to loans2.0466%533
Loan loss allowance to noncurrent loans105.7826%3,251
Noncurrent assets plus other real estate owned to assets0.9878%970
Noncurrent loans to loans1.9347%611
Net loans and leases to total assets49.3280%3,874
Net loans and leases to deposits58.9406%3,831
Net loans and leases to core deposits63.1287%3,762
Total domestic deposits to total assets81.6474%3,738
Equity capital to assets9.6670%3,446
Core capital (leverage) ratio8.6532%4,051
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.0021%1,526
Memoranda:
Average total assets$1,758,911,800,0003
Average earning assets$1,604,401,800,0003
Average equity$169,345,000,0003
Average total loans$932,561,800,0003
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8837%4,799
Cost of funding earning assets0.3196%4,218
Net interest margin2.5641%4,608
Noninterest income to average assets1.2999%644
Noninterest expense to average assets2.7355%2,160
Loan and lease loss provision to assets1.0126%132
Net operating income to assets-0.0091%4,776
Return on assets (ROA)0.0316%4,773
Pretax return on assets-0.0574%4,805
Return on Equity (ROE)0.3283%4,768
Retained earnings to average equity (ytd only)0.3283%4,424
Net charge-offs to loans0.3581%443
Credit loss provision to net charge-offs523.6873%1,251
Earnings coverage of net charge-offs (x)4.7004%2,797
Efficiency ratio75.0099%1,301
Assets per employee ($millions)7.3273%1,313
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans2.0984%419
Loan loss allowance to noncurrent loans94.4277%3,345
Noncurrent assets plus other real estate owned to assets1.1731%873
Noncurrent loans to loans2.2222%521
Net loans and leases to total assets51.0471%4,026
Net loans and leases to deposits60.8878%4,001
Net loans and leases to core deposits66.0749%3,886
Total domestic deposits to total assets81.9291%3,441
Equity capital to assets9.7043%3,513
Core capital (leverage) ratio8.4677%4,326
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7763%1,564
Memoranda:
Average total assets$1,756,687,750,0003
Average earning assets$1,602,603,750,0003
Average equity$168,957,750,0003
Average total loans$943,141,000,0003
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0566%4,809
Cost of funding earning assets0.4117%3,988
Net interest margin2.6449%4,613
Noninterest income to average assets1.2238%674
Noninterest expense to average assets2.7110%2,350
Loan and lease loss provision to assets1.3728%103
Net operating income to assets-0.1336%4,842
Return on assets (ROA)-0.0955%4,832
Pretax return on assets-0.3989%4,880
Return on Equity (ROE)-0.9961%4,843
Retained earnings to average equity (ytd only)-0.9961%4,477
Net charge-offs to loans0.3890%403
Credit loss provision to net charge-offs647.1413%1,053
Earnings coverage of net charge-offs (x)4.3910%2,604
Efficiency ratio74.3856%1,428
Assets per employee ($millions)7.4925%1,183
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.9914%442
Loan loss allowance to noncurrent loans100.0969%3,211
Noncurrent assets plus other real estate owned to assets1.0489%1,119
Noncurrent loans to loans1.9894%682
Net loans and leases to total assets50.8237%4,108
Net loans and leases to deposits60.9374%4,067
Net loans and leases to core deposits67.4044%3,893
Total domestic deposits to total assets81.3864%3,527
Equity capital to assets9.3570%3,775
Core capital (leverage) ratio8.4419%4,436
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4838%1,636
Memoranda:
Average total assets$1,758,851,666,6673
Average earning assets$1,604,603,000,0003
Average equity$168,662,333,3333
Average total loans$953,330,333,3333
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4221%4,718
Cost of funding earning assets0.5954%3,462
Net interest margin2.8267%4,543
Noninterest income to average assets1.3217%512
Noninterest expense to average assets2.6272%2,902
Loan and lease loss provision to assets0.7502%342
Net operating income to assets0.4341%4,061
Return on assets (ROA)0.4782%4,002
Pretax return on assets0.5760%3,966
Return on Equity (ROE)4.9247%3,658
Retained earnings to average equity (ytd only)4.9247%2,307
Net charge-offs to loans0.3085%476
Credit loss provision to net charge-offs425.3028%966
Earnings coverage of net charge-offs (x)7.4455%1,920
Efficiency ratio67.2134%2,787
Assets per employee ($millions)7.4571%910
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1083%3,157
Loan loss allowance to noncurrent loans78.6441%3,588
Noncurrent assets plus other real estate owned to assets0.8154%1,660
Noncurrent loans to loans1.4092%1,128
Net loans and leases to total assets55.1113%3,901
Net loans and leases to deposits67.1478%3,783
Net loans and leases to core deposits76.2861%3,476
Total domestic deposits to total assets79.5660%3,935
Equity capital to assets9.6514%4,081
Core capital (leverage) ratio8.6210%4,722
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4998%2,075
Memoranda:
Average total assets$1,738,307,500,0003
Average earning assets$1,585,599,000,0003
Average equity$168,783,500,0003
Average total loans$963,303,500,0003
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8980%4,433
Cost of funding earning assets0.8070%2,648
Net interest margin3.0910%4,381
Noninterest income to average assets1.5012%413
Noninterest expense to average assets2.7453%2,764
Loan and lease loss provision to assets0.1580%1,330
Net operating income to assets1.1464%2,269
Return on assets (ROA)1.1531%2,344
Pretax return on assets1.4299%2,044
Return on Equity (ROE)11.6963%1,622
Retained earnings to average equity (ytd only)-1.1647%4,821
Net charge-offs to loans0.2955%708
Credit loss provision to net charge-offs97.2061%2,549
Earnings coverage of net charge-offs (x)9.7170%2,635
Efficiency ratio63.3202%3,170
Assets per employee ($millions)7.3522%914
Cash dividends to net income (ytd only)*109.9576%222
Condition Ratios (%)
Loss allowance to loans0.9838%3,596
Loan loss allowance to noncurrent loans69.2061%3,778
Noncurrent assets plus other real estate owned to assets0.8021%1,617
Noncurrent loans to loans1.4215%1,033
Net loans and leases to total assets54.5522%4,042
Net loans and leases to deposits67.6079%3,851
Net loans and leases to core deposits78.1595%3,436
Total domestic deposits to total assets77.4546%4,439
Equity capital to assets9.7696%4,132
Core capital (leverage) ratio8.5593%4,811
Tier 1 risk-based capital ratio12.5911%4,013
Total risk-based capital ratio14.2848%3,652
Memoranda:
Average total assets$1,695,685,800,0003
Average earning assets$1,548,933,800,0003
Average equity$167,172,000,0003
Average total loans$932,641,600,0003
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9798%4,403
Cost of funding earning assets0.8310%2,562
Net interest margin3.1488%4,404
Noninterest income to average assets1.5264%392
Noninterest expense to average assets2.6665%2,959
Loan and lease loss provision to assets0.1614%1,156
Net operating income to assets1.2686%1,955
Return on assets (ROA)1.2780%2,005
Pretax return on assets1.5855%1,684
Return on Equity (ROE)12.9334%1,302
Retained earnings to average equity (ytd only)-1.0275%4,860
Net charge-offs to loans0.2850%617
Credit loss provision to net charge-offs102.9678%2,191
Earnings coverage of net charge-offs (x)11.0709%2,456
Efficiency ratio60.4227%3,555
Assets per employee ($millions)7.3092%909
Cash dividends to net income (ytd only)*107.9447%247
Condition Ratios (%)
Loss allowance to loans1.0064%3,534
Loan loss allowance to noncurrent loans70.3740%3,816
Noncurrent assets plus other real estate owned to assets0.8156%1,698
Noncurrent loans to loans1.4301%1,064
Net loans and leases to total assets54.3881%4,150
Net loans and leases to deposits67.9018%3,928
Net loans and leases to core deposits79.0232%3,470
Total domestic deposits to total assets77.0271%4,511
Equity capital to assets9.8076%4,206
Core capital (leverage) ratio8.6750%4,852
Tier 1 risk-based capital ratio12.6390%4,064
Total risk-based capital ratio14.3332%3,712
Memoranda:
Average total assets$1,691,377,500,0003
Average earning assets$1,544,332,250,0003
Average equity$167,128,500,0003
Average total loans$929,872,250,0003
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0377%4,303
Cost of funding earning assets0.8289%2,502
Net interest margin3.2088%4,348
Noninterest income to average assets1.4864%404
Noninterest expense to average assets2.5468%3,337
Loan and lease loss provision to assets0.1605%1,128
Net operating income to assets1.4030%1,430
Return on assets (ROA)1.4176%1,435
Pretax return on assets1.7260%1,224
Return on Equity (ROE)14.3105%913
Retained earnings to average equity (ytd only)0.5366%4,560
Net charge-offs to loans0.2924%585
Credit loss provision to net charge-offs99.8524%2,008
Earnings coverage of net charge-offs (x)11.6221%2,197
Efficiency ratio57.5202%4,069
Assets per employee ($millions)7.2389%909
Cash dividends to net income (ytd only)*96.2504%488
Condition Ratios (%)
Loss allowance to loans1.0135%3,540
Loan loss allowance to noncurrent loans68.6443%3,864
Noncurrent assets plus other real estate owned to assets0.8335%1,692
Noncurrent loans to loans1.4764%1,047
Net loans and leases to total assets54.1150%4,198
Net loans and leases to deposits68.3317%3,947
Net loans and leases to core deposits79.8875%3,432
Total domestic deposits to total assets75.9562%4,675
Equity capital to assets9.9279%4,029
Core capital (leverage) ratio8.8523%4,753
Tier 1 risk-based capital ratio12.7957%3,950
Total risk-based capital ratio14.5550%3,587
Memoranda:
Average total assets$1,685,654,000,0003
Average earning assets$1,538,590,666,6703
Average equity$166,982,333,3303
Average total loans$926,931,666,6703
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0640%4,225
Cost of funding earning assets0.8125%2,466
Net interest margin3.2515%4,274
Noninterest income to average assets1.4651%404
Noninterest expense to average assets2.5941%3,231
Loan and lease loss provision to assets0.2006%797
Net operating income to assets1.3561%1,504
Return on assets (ROA)1.3805%1,465
Pretax return on assets1.6676%1,288
Return on Equity (ROE)13.9511%984
Retained earnings to average equity (ytd only)0.7056%4,382
Net charge-offs to loans0.3029%498
Credit loss provision to net charge-offs120.1141%1,413
Earnings coverage of net charge-offs (x)11.0071%1,928
Efficiency ratio58.3593%4,029
Assets per employee ($millions)7.1240%950
Cash dividends to net income (ytd only)*94.9422%681
Condition Ratios (%)
Loss allowance to loans1.0448%3,430
Loan loss allowance to noncurrent loans64.3498%3,989
Noncurrent assets plus other real estate owned to assets0.9253%1,516
Noncurrent loans to loans1.6236%972
Net loans and leases to total assets54.5746%4,163
Net loans and leases to deposits69.2040%3,830
Net loans and leases to core deposits80.8312%3,287
Total domestic deposits to total assets75.9209%4,769
Equity capital to assets10.0306%3,798
Core capital (leverage) ratio8.8052%4,789
Tier 1 risk-based capital ratio12.6854%4,051
Total risk-based capital ratio14.4992%3,648
Memoranda:
Average total assets$1,678,560,000,0003
Average earning assets$1,532,084,500,0003
Average equity$166,094,000,0003
Average total loans$925,753,500,0002
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8349%4,415
Cost of funding earning assets0.6079%2,661
Net interest margin3.2270%4,435
Noninterest income to average assets1.5046%405
Noninterest expense to average assets2.7385%2,896
Loan and lease loss provision to assets0.1334%1,635
Net operating income to assets1.2704%1,914
Return on assets (ROA)1.2755%1,889
Pretax return on assets1.5870%1,506
Return on Equity (ROE)13.1664%1,281
Retained earnings to average equity (ytd only)0.7092%4,799
Net charge-offs to loans0.2916%665
Credit loss provision to net charge-offs83.3701%2,818
Earnings coverage of net charge-offs (x)10.7108%2,695
Efficiency ratio60.1296%3,839
Assets per employee ($millions)7.3342%857
Cash dividends to net income (ytd only)*94.6139%357
Condition Ratios (%)
Loss allowance to loans1.0201%3,561
Loan loss allowance to noncurrent loans61.4350%4,088
Noncurrent assets plus other real estate owned to assets0.9456%1,451
Noncurrent loans to loans1.6604%877
Net loans and leases to total assets54.5898%4,240
Net loans and leases to deposits68.7209%3,922
Net loans and leases to core deposits80.6580%3,383
Total domestic deposits to total assets75.9110%4,765
Equity capital to assets9.7612%3,894
Core capital (leverage) ratio8.6365%4,928
Tier 1 risk-based capital ratio12.3623%4,204
Total risk-based capital ratio14.1553%3,789
Memoranda:
Average total assets$1,698,688,400,0003
Average earning assets$1,551,629,200,0003
Average equity$164,562,600,0003
Average total loans$931,993,400,0001
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7755%4,493
Cost of funding earning assets0.5655%2,735
Net interest margin3.2100%4,491
Noninterest income to average assets1.5289%417
Noninterest expense to average assets2.6880%3,003
Loan and lease loss provision to assets0.1355%1,477
Net operating income to assets1.2921%1,892
Return on assets (ROA)1.2997%1,857
Pretax return on assets1.6466%1,428
Return on Equity (ROE)13.4410%1,288
Retained earnings to average equity (ytd only)1.2816%4,785
Net charge-offs to loans0.2897%576
Credit loss provision to net charge-offs85.3827%2,465
Earnings coverage of net charge-offs (x)11.1654%2,538
Efficiency ratio58.8914%3,977
Assets per employee ($millions)7.1416%887
Cash dividends to net income (ytd only)*90.4650%376
Condition Ratios (%)
Loss allowance to loans1.0483%3,471
Loan loss allowance to noncurrent loans60.5580%4,200
Noncurrent assets plus other real estate owned to assets0.9968%1,464
Noncurrent loans to loans1.7311%896
Net loans and leases to total assets54.9961%4,292
Net loans and leases to deposits69.3389%3,971
Net loans and leases to core deposits80.7078%3,441
Total domestic deposits to total assets75.7777%4,812
Equity capital to assets9.8400%3,790
Core capital (leverage) ratio8.5861%5,044
Tier 1 risk-based capital ratio12.1719%4,393
Total risk-based capital ratio13.9697%3,968
Memoranda:
Average total assets$1,701,022,750,0003
Average earning assets$1,553,320,000,0003
Average equity$164,478,000,0003
Average total loans$932,062,250,0001
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7010%4,582
Cost of funding earning assets0.5274%2,781
Net interest margin3.1735%4,566
Noninterest income to average assets1.5151%423
Noninterest expense to average assets2.7320%2,902
Loan and lease loss provision to assets0.1375%1,420
Net operating income to assets1.1944%2,224
Return on assets (ROA)1.2005%2,194
Pretax return on assets1.5523%1,649
Return on Equity (ROE)12.4866%1,548
Retained earnings to average equity (ytd only)0.9497%4,771
Net charge-offs to loans0.2873%557
Credit loss provision to net charge-offs87.7794%2,187
Earnings coverage of net charge-offs (x)10.7340%2,314
Efficiency ratio60.5148%3,856
Assets per employee ($millions)7.1231%874
Cash dividends to net income (ytd only)*92.3945%483
Condition Ratios (%)
Loss allowance to loans1.0580%3,489
Loan loss allowance to noncurrent loans58.4256%4,249
Noncurrent assets plus other real estate owned to assets1.0411%1,440
Noncurrent loans to loans1.8109%859
Net loans and leases to total assets55.0683%4,238
Net loans and leases to deposits69.7606%3,881
Net loans and leases to core deposits80.6658%3,358
Total domestic deposits to total assets75.8173%4,869
Equity capital to assets9.7923%3,826
Core capital (leverage) ratio8.5274%5,088
Tier 1 risk-based capital ratio11.9953%4,498
Total risk-based capital ratio13.8380%4,029
Memoranda:
Average total assets$1,712,987,666,6703
Average earning assets$1,564,623,333,3302
Average equity$164,688,000,0003
Average total loans$934,263,666,6701
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5935%4,718
Cost of funding earning assets0.4823%2,938
Net interest margin3.1113%4,682
Noninterest income to average assets1.5502%406
Noninterest expense to average assets2.8599%2,493
Loan and lease loss provision to assets0.1400%1,349
Net operating income to assets1.0942%2,450
Return on assets (ROA)1.0954%2,458
Pretax return on assets1.3950%2,025
Return on Equity (ROE)11.4969%1,769
Retained earnings to average equity (ytd only)0.5890%4,715
Net charge-offs to loans0.3156%482
Credit loss provision to net charge-offs82.1138%1,730
Earnings coverage of net charge-offs (x)8.9946%1,998
Efficiency ratio63.7296%3,518
Assets per employee ($millions)7.2679%856
Cash dividends to net income (ytd only)*94.8767%627
Condition Ratios (%)
Loss allowance to loans1.0691%3,554
Loan loss allowance to noncurrent loans53.7048%4,381
Noncurrent assets plus other real estate owned to assets1.1146%1,389
Noncurrent loans to loans1.9907%804
Net loans and leases to total assets53.5692%4,321
Net loans and leases to deposits67.7264%3,963
Net loans and leases to core deposits78.2326%3,474
Total domestic deposits to total assets75.7469%4,986
Equity capital to assets9.5469%4,049
Core capital (leverage) ratio8.3498%5,229
Tier 1 risk-based capital ratio11.8943%4,608
Total risk-based capital ratio13.7672%4,133
Memoranda:
Average total assets$1,731,943,000,0003
Average earning assets$1,582,513,500,0002
Average equity$165,018,000,0003
Average total loans$935,245,000,0001
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4436%4,874
Cost of funding earning assets0.3776%3,440
Net interest margin3.0660%4,754
Noninterest income to average assets1.4665%489
Noninterest expense to average assets2.6644%3,248
Loan and lease loss provision to assets0.1413%1,607
Net operating income to assets1.1991%1,528
Return on assets (ROA)1.2260%1,461
Pretax return on assets1.4889%1,686
Return on Equity (ROE)13.2487%895
Retained earnings to average equity (ytd only)3.3046%3,319
Net charge-offs to loans0.2902%903
Credit loss provision to net charge-offs90.0990%2,781
Earnings coverage of net charge-offs (x)10.1837%2,708
Efficiency ratio60.9989%4,118
Assets per employee ($millions)7.5213%759
Cash dividends to net income (ytd only)*75.0575%1,007
Condition Ratios (%)
Loss allowance to loans1.0737%3,487
Loan loss allowance to noncurrent loans49.5294%4,506
Noncurrent assets plus other real estate owned to assets1.2089%1,219
Noncurrent loans to loans2.1679%680
Net loans and leases to total assets53.2758%4,416
Net loans and leases to deposits67.0207%4,103
Net loans and leases to core deposits81.5457%3,281
Total domestic deposits to total assets72.0939%5,317
Equity capital to assets9.5092%4,229
Core capital (leverage) ratio8.3854%5,231
Tier 1 risk-based capital ratio12.2487%4,365
Total risk-based capital ratio14.1670%3,857
Memoranda:
Average total assets$1,738,736,400,0002
Average earning assets$1,585,126,600,0002
Average equity$160,898,400,0003
Average total loans$939,562,000,0001
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4234%4,933
Cost of funding earning assets0.3627%3,526
Net interest margin3.0607%4,795
Noninterest income to average assets1.4686%499
Noninterest expense to average assets2.5019%3,727
Loan and lease loss provision to assets0.1421%1,489
Net operating income to assets1.1059%2,064
Return on assets (ROA)1.1297%2,021
Pretax return on assets1.6497%1,246
Return on Equity (ROE)12.2934%1,245
Retained earnings to average equity (ytd only)2.6853%4,291
Net charge-offs to loans0.2791%775
Credit loss provision to net charge-offs94.1506%2,401
Earnings coverage of net charge-offs (x)11.6378%2,489
Efficiency ratio57.2242%4,593
Assets per employee ($millions)7.4061%794
Cash dividends to net income (ytd only)*78.1569%704
Condition Ratios (%)
Loss allowance to loans1.1033%3,462
Loan loss allowance to noncurrent loans53.5345%4,473
Noncurrent assets plus other real estate owned to assets1.1521%1,434
Noncurrent loans to loans2.0610%820
Net loans and leases to total assets53.0805%4,486
Net loans and leases to deposits67.8093%4,127
Net loans and leases to core deposits81.8815%3,297
Total domestic deposits to total assets71.4708%5,414
Equity capital to assets9.3887%4,557
Core capital (leverage) ratio8.1738%5,437
Tier 1 risk-based capital ratio11.9340%4,677
Total risk-based capital ratio13.8689%4,152
Memoranda:
Average total assets$1,736,582,000,0002
Average earning assets$1,582,937,750,0002
Average equity$159,583,000,0003
Average total loans$939,197,250,0001
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3701%5,004
Cost of funding earning assets0.3393%3,698
Net interest margin3.0308%4,841
Noninterest income to average assets1.5050%479
Noninterest expense to average assets2.4648%3,869
Loan and lease loss provision to assets0.1347%1,548
Net operating income to assets1.1517%1,770
Return on assets (ROA)1.1756%1,722
Pretax return on assets1.6998%1,060
Return on Equity (ROE)12.8862%1,068
Retained earnings to average equity (ytd only)4.0471%3,301
Net charge-offs to loans0.2811%724
Credit loss provision to net charge-offs88.3598%2,162
Earnings coverage of net charge-offs (x)11.8080%2,240
Efficiency ratio56.2618%4,800
Assets per employee ($millions)7.2788%818
Cash dividends to net income (ytd only)*68.5938%1,180
Condition Ratios (%)
Loss allowance to loans1.0836%3,678
Loan loss allowance to noncurrent loans53.3579%4,506
Noncurrent assets plus other real estate owned to assets1.1582%1,482
Noncurrent loans to loans2.0309%826
Net loans and leases to total assets54.1869%4,376
Net loans and leases to deposits69.0159%3,987
Net loans and leases to core deposits83.3112%3,143
Total domestic deposits to total assets71.4686%5,484
Equity capital to assets9.4132%4,501
Core capital (leverage) ratio8.1926%5,434
Tier 1 risk-based capital ratio11.7490%4,808
Total risk-based capital ratio13.6631%4,237
Memoranda:
Average total assets$1,736,116,000,0002
Average earning assets$1,580,709,000,0002
Average equity$158,386,000,0003
Average total loans$941,322,666,6701
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3058%5,091
Cost of funding earning assets0.3141%3,908
Net interest margin2.9918%4,904
Noninterest income to average assets1.5149%474
Noninterest expense to average assets2.4890%3,839
Loan and lease loss provision to assets0.1284%1,499
Net operating income to assets1.1242%1,775
Return on assets (ROA)1.1375%1,757
Pretax return on assets1.6394%1,150
Return on Equity (ROE)12.6692%1,072
Retained earnings to average equity (ytd only)3.6985%3,594
Net charge-offs to loans0.3148%588
Credit loss provision to net charge-offs75.6098%1,786
Earnings coverage of net charge-offs (x)10.2954%1,947
Efficiency ratio57.1902%4,814
Assets per employee ($millions)7.2932%823
Cash dividends to net income (ytd only)*70.8072%1,147
Condition Ratios (%)
Loss allowance to loans1.1054%3,694
Loan loss allowance to noncurrent loans49.3380%4,662
Noncurrent assets plus other real estate owned to assets1.2413%1,397
Noncurrent loans to loans2.2405%744
Net loans and leases to total assets52.6049%4,461
Net loans and leases to deposits67.3012%4,060
Net loans and leases to core deposits81.2699%3,167
Total domestic deposits to total assets71.1819%5,586
Equity capital to assets8.9614%4,845
Core capital (leverage) ratio7.8180%5,623
Tier 1 risk-based capital ratio11.2062%5,201
Total risk-based capital ratio13.0878%4,731
Memoranda:
Average total assets$1,738,205,500,0002
Average earning assets$1,581,808,500,0002
Average equity$156,063,500,0003
Average total loans$937,602,000,0001
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2053%5,295
Cost of funding earning assets0.2444%4,617
Net interest margin2.9610%5,031
Noninterest income to average assets1.6492%438
Noninterest expense to average assets2.4224%4,233
Loan and lease loss provision to assets0.2114%1,070
Net operating income to assets1.1571%1,663
Return on assets (ROA)1.1946%1,616
Pretax return on assets1.7591%871
Return on Equity (ROE)12.9771%999
Retained earnings to average equity (ytd only)5.2599%2,156
Net charge-offs to loans0.3511%773
Credit loss provision to net charge-offs109.9107%2,383
Earnings coverage of net charge-offs (x)9.9581%2,702
Efficiency ratio54.2486%5,226
Assets per employee ($millions)7.3444%780
Cash dividends to net income (ytd only)*59.4678%1,817
Condition Ratios (%)
Loss allowance to loans1.1116%3,645
Loan loss allowance to noncurrent loans45.8242%4,759
Noncurrent assets plus other real estate owned to assets1.3811%1,243
Noncurrent loans to loans2.4258%656
Net loans and leases to total assets54.0901%4,440
Net loans and leases to deposits69.7529%3,929
Net loans and leases to core deposits83.6733%3,057
Total domestic deposits to total assets70.5617%5,640
Equity capital to assets8.9957%4,825
Core capital (leverage) ratio7.7121%5,703
Tier 1 risk-based capital ratio10.8126%5,429
Total risk-based capital ratio12.6980%4,988
Memoranda:
Average total assets$1,689,170,800,0002
Average earning assets$1,533,758,000,0002
Average equity$155,496,600,0003
Average total loans$925,307,400,0001
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1775%5,398
Cost of funding earning assets0.2352%4,751
Net interest margin2.9423%5,108
Noninterest income to average assets1.6707%444
Noninterest expense to average assets2.4157%4,240
Loan and lease loss provision to assets0.2209%940
Net operating income to assets1.1560%1,781
Return on assets (ROA)1.1963%1,748
Pretax return on assets1.7648%966
Return on Equity (ROE)12.9201%1,082
Retained earnings to average equity (ytd only)5.6332%2,409
Net charge-offs to loans0.3479%653
Credit loss provision to net charge-offs115.8618%2,145
Earnings coverage of net charge-offs (x)10.1041%2,614
Efficiency ratio54.0382%5,238
Assets per employee ($millions)7.4249%742
Cash dividends to net income (ytd only)*56.3997%1,582
Condition Ratios (%)
Loss allowance to loans1.1254%3,697
Loan loss allowance to noncurrent loans44.4962%4,871
Noncurrent assets plus other real estate owned to assets1.4266%1,291
Noncurrent loans to loans2.5292%691
Net loans and leases to total assets53.5131%4,536
Net loans and leases to deposits70.4898%3,939
Net loans and leases to core deposits86.5629%2,900
Total domestic deposits to total assets67.0618%5,791
Equity capital to assets9.1477%5,028
Core capital (leverage) ratio7.8148%5,758
Tier 1 risk-based capital ratio10.7365%5,505
Total risk-based capital ratio12.4976%5,129
Memoranda:
Average total assets$1,679,654,750,0002
Average earning assets$1,525,077,500,0002
Average equity$155,526,500,0003
Average total loans$920,442,750,0001
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1792%5,459
Cost of funding earning assets0.2283%4,865
Net interest margin2.9509%5,169
Noninterest income to average assets1.6653%447
Noninterest expense to average assets2.4211%4,264
Loan and lease loss provision to assets0.2467%789
Net operating income to assets1.1369%1,819
Return on assets (ROA)1.1859%1,752
Pretax return on assets1.7458%988
Return on Equity (ROE)12.7542%1,090
Retained earnings to average equity (ytd only)6.2727%1,973
Net charge-offs to loans0.3640%639
Credit loss provision to net charge-offs123.1649%1,828
Earnings coverage of net charge-offs (x)9.5884%2,407
Efficiency ratio54.1530%5,296
Assets per employee ($millions)7.2840%771
Cash dividends to net income (ytd only)*50.8182%1,926
Condition Ratios (%)
Loss allowance to loans1.1425%3,702
Loan loss allowance to noncurrent loans42.1542%5,007
Noncurrent assets plus other real estate owned to assets1.5491%1,216
Noncurrent loans to loans2.7103%598
Net loans and leases to total assets54.2186%4,490
Net loans and leases to deposits71.2347%3,862
Net loans and leases to core deposits88.2489%2,704
Total domestic deposits to total assets67.3952%5,854
Equity capital to assets9.3009%4,976
Core capital (leverage) ratio7.9050%5,778
Tier 1 risk-based capital ratio10.5486%5,654
Total risk-based capital ratio12.2461%5,345
Memoranda:
Average total assets$1,659,266,666,6702
Average earning assets$1,505,016,666,6702
Average equity$154,287,000,0003
Average total loans$913,200,666,6701
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1933%5,489
Cost of funding earning assets0.2237%4,963
Net interest margin2.9696%5,182
Noninterest income to average assets1.6372%445
Noninterest expense to average assets2.4437%4,244
Loan and lease loss provision to assets0.2406%750
Net operating income to assets1.1267%1,806
Return on assets (ROA)1.1572%1,799
Pretax return on assets1.6918%1,085
Return on Equity (ROE)12.4463%1,170
Retained earnings to average equity (ytd only)5.8846%2,427
Net charge-offs to loans0.3545%630
Credit loss provision to net charge-offs123.0961%1,420
Earnings coverage of net charge-offs (x)9.6617%1,973
Efficiency ratio54.7907%5,303
Assets per employee ($millions)7.1760%822
Cash dividends to net income (ytd only)*52.7204%1,653
Condition Ratios (%)
Loss allowance to loans1.1434%3,814
Loan loss allowance to noncurrent loans40.2823%5,081
Noncurrent assets plus other real estate owned to assets1.6388%1,204
Noncurrent loans to loans2.8386%598
Net loans and leases to total assets54.4511%4,404
Net loans and leases to deposits70.6473%3,794
Net loans and leases to core deposits87.2540%2,634
Total domestic deposits to total assets68.3228%5,918
Equity capital to assets9.2509%4,939
Core capital (leverage) ratio7.8986%5,811
Tier 1 risk-based capital ratio10.4549%5,769
Total risk-based capital ratio12.3637%5,353
Memoranda:
Average total assets$1,639,182,500,0003
Average earning assets$1,487,612,500,0002
Average equity$152,399,000,0003
Average total loans$903,771,500,0001
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1794%5,538
Cost of funding earning assets0.1542%5,657
Net interest margin3.0252%5,075
Noninterest income to average assets1.7374%438
Noninterest expense to average assets2.4336%4,427
Loan and lease loss provision to assets0.1374%1,724
Net operating income to assets1.2936%1,282
Return on assets (ROA)1.3186%1,269
Pretax return on assets1.9425%607
Return on Equity (ROE)14.0015%839
Retained earnings to average equity (ytd only)4.8683%2,517
Net charge-offs to loans0.2946%1,031
Credit loss provision to net charge-offs84.8544%2,863
Earnings coverage of net charge-offs (x)12.5865%2,447
Efficiency ratio52.6428%5,598
Assets per employee ($millions)7.0388%874
Cash dividends to net income (ytd only)*65.2300%1,472
Condition Ratios (%)
Loss allowance to loans1.1642%3,682
Loan loss allowance to noncurrent loans39.1267%5,133
Noncurrent assets plus other real estate owned to assets1.7271%1,112
Noncurrent loans to loans2.9756%544
Net loans and leases to total assets54.5494%4,444
Net loans and leases to deposits69.8033%3,943
Net loans and leases to core deposits84.8942%2,894
Total domestic deposits to total assets69.6008%5,910
Equity capital to assets9.3453%4,735
Core capital (leverage) ratio8.0100%5,834
Tier 1 risk-based capital ratio10.5961%5,731
Total risk-based capital ratio12.5222%5,286
Memoranda:
Average total assets$1,569,559,600,0003
Average earning assets$1,418,811,600,0002
Average equity$147,813,200,0003
Average total loans$862,750,400,0002
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1774%5,619
Cost of funding earning assets0.1503%5,774
Net interest margin3.0272%5,130
Noninterest income to average assets1.7513%431
Noninterest expense to average assets2.4287%4,417
Loan and lease loss provision to assets0.1237%1,841
Net operating income to assets1.3112%1,306
Return on assets (ROA)1.3263%1,332
Pretax return on assets1.9606%646
Return on Equity (ROE)14.0554%894
Retained earnings to average equity (ytd only)4.5407%3,240
Net charge-offs to loans0.2783%962
Credit loss provision to net charge-offs80.9737%2,598
Earnings coverage of net charge-offs (x)13.4550%2,326
Efficiency ratio52.3566%5,627
Assets per employee ($millions)6.8917%912
Cash dividends to net income (ytd only)*67.6939%1,114
Condition Ratios (%)
Loss allowance to loans1.1868%3,729
Loan loss allowance to noncurrent loans38.8711%5,245
Noncurrent assets plus other real estate owned to assets1.8061%1,186
Noncurrent loans to loans3.0531%568
Net loans and leases to total assets54.9706%4,466
Net loans and leases to deposits69.9067%3,997
Net loans and leases to core deposits86.2011%2,829
Total domestic deposits to total assets69.0531%6,005
Equity capital to assets9.4943%4,757
Core capital (leverage) ratio8.0757%5,862
Tier 1 risk-based capital ratio10.4497%5,900
Total risk-based capital ratio12.3984%5,468
Memoranda:
Average total assets$1,559,304,500,0003
Average earning assets$1,407,929,250,0002
Average equity$147,138,250,0004
Average total loans$856,210,250,0002
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1653%5,665
Cost of funding earning assets0.1510%5,838
Net interest margin3.0143%5,190
Noninterest income to average assets1.7536%446
Noninterest expense to average assets2.4434%4,418
Loan and lease loss provision to assets0.1108%1,983
Net operating income to assets1.3079%1,300
Return on assets (ROA)1.3284%1,290
Pretax return on assets1.9534%653
Return on Equity (ROE)14.1074%880
Retained earnings to average equity (ytd only)3.8480%3,554
Net charge-offs to loans0.2750%960
Credit loss provision to net charge-offs73.6932%2,414
Earnings coverage of net charge-offs (x)13.4901%2,129
Efficiency ratio52.8232%5,663
Assets per employee ($millions)6.7718%942
Cash dividends to net income (ytd only)*72.7237%1,115
Condition Ratios (%)
Loss allowance to loans1.2078%3,742
Loan loss allowance to noncurrent loans36.7312%5,336
Noncurrent assets plus other real estate owned to assets1.9595%1,134
Noncurrent loans to loans3.2881%561
Net loans and leases to total assets55.2369%4,417
Net loans and leases to deposits69.9471%3,937
Net loans and leases to core deposits85.3049%2,850
Total domestic deposits to total assets69.9088%6,040
Equity capital to assets9.4691%4,684
Core capital (leverage) ratio8.0009%5,932
Tier 1 risk-based capital ratio10.3087%5,991
Total risk-based capital ratio12.2310%5,637
Memoranda:
Average total assets$1,552,681,333,3303
Average earning assets$1,399,871,666,6702
Average equity$146,207,000,0004
Average total loans$848,778,000,0002
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1384%5,740
Cost of funding earning assets0.1547%5,892
Net interest margin2.9837%5,260
Noninterest income to average assets1.6899%450
Noninterest expense to average assets2.4367%4,486
Loan and lease loss provision to assets0.1456%1,393
Net operating income to assets1.2385%1,435
Return on assets (ROA)1.2705%1,439
Pretax return on assets1.8489%794
Return on Equity (ROE)13.5308%970
Retained earnings to average equity (ytd only)1.1802%5,016
Net charge-offs to loans0.2890%828
Credit loss provision to net charge-offs93.2343%1,723
Earnings coverage of net charge-offs (x)12.4373%1,798
Efficiency ratio53.7841%5,695
Assets per employee ($millions)6.8427%918
Cash dividends to net income (ytd only)*91.2779%808
Condition Ratios (%)
Loss allowance to loans1.2819%3,505
Loan loss allowance to noncurrent loans36.1039%5,397
Noncurrent assets plus other real estate owned to assets2.0453%1,157
Noncurrent loans to loans3.5507%533
Net loans and leases to total assets52.8768%4,565
Net loans and leases to deposits66.7485%4,074
Net loans and leases to core deposits82.4741%2,912
Total domestic deposits to total assets69.6178%6,148
Equity capital to assets9.3230%4,933
Core capital (leverage) ratio7.9491%5,970
Tier 1 risk-based capital ratio10.2796%6,085
Total risk-based capital ratio12.3063%5,700
Memoranda:
Average total assets$1,552,086,500,0003
Average earning assets$1,398,939,500,0002
Average equity$145,742,000,0004
Average total loans$838,765,500,0002
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3026%5,702
Cost of funding earning assets0.1726%5,962
Net interest margin3.1300%5,130
Noninterest income to average assets1.8413%391
Noninterest expense to average assets2.6009%4,217
Loan and lease loss provision to assets0.0497%3,571
Net operating income to assets1.3465%1,195
Return on assets (ROA)1.3563%1,222
Pretax return on assets2.0224%494
Return on Equity (ROE)13.8224%965
Retained earnings to average equity (ytd only)1.8146%4,899
Net charge-offs to loans0.2918%1,496
Credit loss provision to net charge-offs30.2787%3,832
Earnings coverage of net charge-offs (x)12.4992%2,365
Efficiency ratio53.9501%5,845
Assets per employee ($millions)6.7243%945
Cash dividends to net income (ytd only)*86.8721%666
Condition Ratios (%)
Loss allowance to loans1.2974%3,442
Loan loss allowance to noncurrent loans34.2536%5,538
Noncurrent assets plus other real estate owned to assets2.2309%1,087
Noncurrent loans to loans3.7876%516
Net loans and leases to total assets53.8234%4,603
Net loans and leases to deposits68.0042%4,124
Net loans and leases to core deposits84.7675%2,811
Total domestic deposits to total assets69.2937%6,224
Equity capital to assets9.4589%4,769
Core capital (leverage) ratio8.0596%5,960
Tier 1 risk-based capital ratio10.4937%6,105
Total risk-based capital ratio12.6074%5,654
Memoranda:
Average total assets$1,442,860,200,0003
Average earning assets$1,295,758,600,0003
Average equity$141,575,000,0004
Average total loans$811,389,400,0002
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3119%5,748
Cost of funding earning assets0.1762%6,025
Net interest margin3.1358%5,161
Noninterest income to average assets1.8840%386
Noninterest expense to average assets2.6103%4,165
Loan and lease loss provision to assets0.0384%3,637
Net operating income to assets1.3731%1,188
Return on assets (ROA)1.3837%1,204
Pretax return on assets2.0724%480
Return on Equity (ROE)13.9666%992
Retained earnings to average equity (ytd only)2.5970%4,737
Net charge-offs to loans0.2873%1,372
Credit loss provision to net charge-offs23.5735%3,541
Earnings coverage of net charge-offs (x)12.8259%2,282
Efficiency ratio53.6026%5,865
Assets per employee ($millions)6.5200%1,016
Cash dividends to net income (ytd only)*81.4056%708
Condition Ratios (%)
Loss allowance to loans1.3512%3,393
Loan loss allowance to noncurrent loans34.1308%5,616
Noncurrent assets plus other real estate owned to assets2.5019%1,051
Noncurrent loans to loans3.9589%543
Net loans and leases to total assets55.2079%4,439
Net loans and leases to deposits69.8517%3,932
Net loans and leases to core deposits86.0807%2,657
Total domestic deposits to total assets69.2040%6,309
Equity capital to assets9.7606%4,469
Core capital (leverage) ratio8.3303%5,823
Tier 1 risk-based capital ratio10.6872%6,136
Total risk-based capital ratio12.8849%5,634
Memoranda:
Average total assets$1,420,379,250,0003
Average earning assets$1,275,194,250,0002
Average equity$140,722,750,0004
Average total loans$805,276,500,0001
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3287%5,754
Cost of funding earning assets0.1773%6,094
Net interest margin3.1515%5,085
Noninterest income to average assets1.9034%372
Noninterest expense to average assets2.6145%4,187
Loan and lease loss provision to assets0.0324%3,635
Net operating income to assets1.3851%1,096
Return on assets (ROA)1.3871%1,137
Pretax return on assets2.0885%446
Return on Equity (ROE)13.9282%968
Retained earnings to average equity (ytd only)2.4493%4,653
Net charge-offs to loans0.3031%1,335
Credit loss provision to net charge-offs18.7914%3,214
Earnings coverage of net charge-offs (x)12.2318%2,080
Efficiency ratio53.3714%5,965
Assets per employee ($millions)6.3227%1,103
Cash dividends to net income (ytd only)*82.4148%840
Condition Ratios (%)
Loss allowance to loans1.3997%3,349
Loan loss allowance to noncurrent loans33.6339%5,692
Noncurrent assets plus other real estate owned to assets2.6333%1,025
Noncurrent loans to loans4.1617%562
Net loans and leases to total assets55.6000%4,336
Net loans and leases to deposits70.3258%3,781
Net loans and leases to core deposits83.0386%2,849
Total domestic deposits to total assets71.9376%6,254
Equity capital to assets9.8406%4,304
Core capital (leverage) ratio8.3908%5,750
Tier 1 risk-based capital ratio10.6970%6,176
Total risk-based capital ratio12.9829%5,620
Memoranda:
Average total assets$1,399,567,333,3303
Average earning assets$1,253,503,666,6702
Average equity$139,386,666,6704
Average total loans$797,087,333,3301
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3516%5,748
Cost of funding earning assets0.1794%6,170
Net interest margin3.1722%5,009
Noninterest income to average assets1.8822%373
Noninterest expense to average assets2.7295%3,834
Loan and lease loss provision to assets0.0107%3,687
Net operating income to assets1.3198%1,164
Return on assets (ROA)1.3255%1,197
Pretax return on assets1.9937%537
Return on Equity (ROE)13.2270%1,105
Retained earnings to average equity (ytd only)1.6649%4,948
Net charge-offs to loans0.3340%1,072
Credit loss provision to net charge-offs5.6061%2,645
Earnings coverage of net charge-offs (x)10.4091%1,861
Efficiency ratio55.8522%5,850
Assets per employee ($millions)6.2718%1,135
Cash dividends to net income (ytd only)*87.4126%851
Condition Ratios (%)
Loss allowance to loans1.4845%3,206
Loan loss allowance to noncurrent loans31.6343%5,814
Noncurrent assets plus other real estate owned to assets2.9751%966
Noncurrent loans to loans4.6927%499
Net loans and leases to total assets56.2200%4,124
Net loans and leases to deposits70.6170%3,524
Net loans and leases to core deposits82.5847%2,680
Total domestic deposits to total assets72.8162%6,319
Equity capital to assets10.0219%3,818
Core capital (leverage) ratio8.5074%5,629
Tier 1 risk-based capital ratio10.7552%6,256
Total risk-based capital ratio13.1460%5,634
Memoranda:
Average total assets$1,380,937,000,0003
Average earning assets$1,235,110,000,0002
Average equity$138,384,000,0004
Average total loans$790,522,500,0001
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6120%5,373
Cost of funding earning assets0.2161%6,203
Net interest margin3.3959%4,287
Noninterest income to average assets2.1562%355
Noninterest expense to average assets2.8417%3,563
Loan and lease loss provision to assets0.1596%2,290
Net operating income to assets1.4827%853
Return on assets (ROA)1.4619%937
Pretax return on assets2.1453%344
Return on Equity (ROE)13.9394%960
Retained earnings to average equity (ytd only)5.9009%2,036
Net charge-offs to loans0.4745%1,403
Credit loss provision to net charge-offs56.2399%3,667
Earnings coverage of net charge-offs (x)8.1991%2,709
Efficiency ratio52.8718%6,224
Assets per employee ($millions)6.1585%1,168
Cash dividends to net income (ytd only)*57.6671%1,885
Condition Ratios (%)
Loss allowance to loans1.5747%2,861
Loan loss allowance to noncurrent loans30.8122%5,926
Noncurrent assets plus other real estate owned to assets3.2235%947
Noncurrent loans to loans5.1106%478
Net loans and leases to total assets56.5212%4,247
Net loans and leases to deposits70.8644%3,671
Net loans and leases to core deposits83.0826%2,765
Total domestic deposits to total assets72.8712%6,370
Equity capital to assets10.0202%3,743
Core capital (leverage) ratio8.3073%5,865
Tier 1 risk-based capital ratio10.4022%6,399
Total risk-based capital ratio12.9048%5,760
Memoranda:
Average total assets$1,304,778,600,0004
Average earning assets$1,157,233,800,0003
Average equity$136,842,800,0004
Average total loans$780,210,800,0002
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6560%5,289
Cost of funding earning assets0.2240%6,273
Net interest margin3.4320%4,158
Noninterest income to average assets2.2278%354
Noninterest expense to average assets2.8859%3,357
Loan and lease loss provision to assets0.1849%1,969
Net operating income to assets1.4971%904
Return on assets (ROA)1.4749%992
Pretax return on assets2.1723%413
Return on Equity (ROE)13.8975%1,013
Retained earnings to average equity (ytd only)7.0673%1,839
Net charge-offs to loans0.4988%1,289
Credit loss provision to net charge-offs61.3535%3,270
Earnings coverage of net charge-offs (x)7.8969%2,708
Efficiency ratio52.6928%6,208
Assets per employee ($millions)5.8706%1,326
Cash dividends to net income (ytd only)*49.1469%1,913
Condition Ratios (%)
Loss allowance to loans1.6619%2,759
Loan loss allowance to noncurrent loans31.8235%5,919
Noncurrent assets plus other real estate owned to assets3.3555%1,037
Noncurrent loans to loans5.2223%551
Net loans and leases to total assets57.7893%4,048
Net loans and leases to deposits73.2489%3,356
Net loans and leases to core deposits85.1837%2,513
Total domestic deposits to total assets72.3448%6,469
Equity capital to assets10.3894%3,404
Core capital (leverage) ratio8.7243%5,499
Tier 1 risk-based capital ratio10.5291%6,441
Total risk-based capital ratio13.1233%5,804
Memoranda:
Average total assets$1,287,573,250,0004
Average earning assets$1,139,945,250,0003
Average equity$136,644,250,0004
Average total loans$778,064,500,0002
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6943%5,157
Cost of funding earning assets0.2330%6,287
Net interest margin3.4613%3,954
Noninterest income to average assets2.3598%353
Noninterest expense to average assets2.9462%3,183
Loan and lease loss provision to assets0.2775%1,324
Net operating income to assets1.4838%925
Return on assets (ROA)1.4608%1,036
Pretax return on assets2.1716%443
Return on Equity (ROE)13.6650%1,080
Retained earnings to average equity (ytd only)9.9940%842
Net charge-offs to loans0.5421%1,221
Credit loss provision to net charge-offs83.9108%2,554
Earnings coverage of net charge-offs (x)7.4775%2,541
Efficiency ratio52.2941%6,266
Assets per employee ($millions)5.5720%1,519
Cash dividends to net income (ytd only)*26.8644%2,763
Condition Ratios (%)
Loss allowance to loans1.7755%2,509
Loan loss allowance to noncurrent loans32.6539%5,922
Noncurrent assets plus other real estate owned to assets3.5387%1,077
Noncurrent loans to loans5.4374%564
Net loans and leases to total assets59.4714%3,752
Net loans and leases to deposits75.5140%2,946
Net loans and leases to core deposits87.3311%2,191
Total domestic deposits to total assets71.9451%6,564
Equity capital to assets10.7282%3,023
Core capital (leverage) ratio8.8635%5,204
Tier 1 risk-based capital ratio10.8299%6,404
Total risk-based capital ratio13.4770%5,607
Memoranda:
Average total assets$1,274,094,333,3304
Average earning assets$1,126,233,666,6703
Average equity$136,201,666,6704
Average total loans$777,280,000,0002
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6873%5,210
Cost of funding earning assets0.2321%6,398
Net interest margin3.4552%3,876
Noninterest income to average assets2.3340%347
Noninterest expense to average assets2.9513%3,154
Loan and lease loss provision to assets0.3625%893
Net operating income to assets1.4373%971
Return on assets (ROA)1.4280%1,067
Pretax return on assets2.0658%534
Return on Equity (ROE)13.3827%1,081
Retained earnings to average equity (ytd only)11.9056%715
Net charge-offs to loans0.6079%1,001
Credit loss provision to net charge-offs97.3751%1,911
Earnings coverage of net charge-offs (x)6.5360%2,201
Efficiency ratio52.7135%6,336
Assets per employee ($millions)5.5027%1,667
Cash dividends to net income (ytd only)*11.0375%2,461
Condition Ratios (%)
Loss allowance to loans1.8166%2,563
Loan loss allowance to noncurrent loans31.5797%5,962
Noncurrent assets plus other real estate owned to assets3.7851%1,089
Noncurrent loans to loans5.7525%600
Net loans and leases to total assets60.0817%3,413
Net loans and leases to deposits76.3609%2,577
Net loans and leases to core deposits85.9147%2,113
Total domestic deposits to total assets73.3195%6,577
Equity capital to assets10.7842%3,213
Core capital (leverage) ratio8.7116%5,313
Tier 1 risk-based capital ratio10.5358%6,568
Total risk-based capital ratio13.0298%6,019
Memoranda:
Average total assets$1,268,872,500,0004
Average earning assets$1,120,275,500,0003
Average equity$135,398,500,0004
Average total loans$777,049,000,0001
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0783%5,021
Cost of funding earning assets0.2813%6,548
Net interest margin3.7970%3,240
Noninterest income to average assets2.5063%319
Noninterest expense to average assets3.2192%2,551
Loan and lease loss provision to assets0.4736%1,306
Net operating income to assets1.4162%1,068
Return on assets (ROA)1.3831%1,240
Pretax return on assets2.0783%515
Return on Equity (ROE)13.0679%1,210
Retained earnings to average equity (ytd only)3.4360%3,806
Net charge-offs to loans0.9977%1,099
Credit loss provision to net charge-offs75.6782%3,985
Earnings coverage of net charge-offs (x)4.1372%3,468
Efficiency ratio53.1420%6,362
Assets per employee ($millions)5.5591%1,632
Cash dividends to net income (ytd only)*73.7064%1,219
Condition Ratios (%)
Loss allowance to loans1.8344%2,484
Loan loss allowance to noncurrent loans30.8844%6,030
Noncurrent assets plus other real estate owned to assets3.9570%1,085
Noncurrent loans to loans5.9396%603
Net loans and leases to total assets60.1613%3,578
Net loans and leases to deposits76.5977%2,703
Net loans and leases to core deposits86.3343%2,269
Total domestic deposits to total assets72.5308%6,658
Equity capital to assets10.5569%3,457
Core capital (leverage) ratio8.4671%5,664
Tier 1 risk-based capital ratio10.1060%6,672
Total risk-based capital ratio12.4549%6,236
Memoranda:
Average total assets$1,201,683,600,0004
Average earning assets$1,044,973,200,0004
Average equity$127,181,400,0004
Average total loans$753,751,600,0001
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1565%4,960
Cost of funding earning assets0.2911%6,653
Net interest margin3.8655%3,048
Noninterest income to average assets2.4956%313
Noninterest expense to average assets3.2422%2,447
Loan and lease loss provision to assets0.4728%1,312
Net operating income to assets1.3773%1,275
Return on assets (ROA)1.3456%1,483
Pretax return on assets2.0983%576
Return on Equity (ROE)12.7053%1,412
Retained earnings to average equity (ytd only)2.3521%5,158
Net charge-offs to loans1.0373%1,014
Credit loss provision to net charge-offs72.2213%3,844
Earnings coverage of net charge-offs (x)3.9809%3,438
Efficiency ratio53.1392%6,338
Assets per employee ($millions)5.3845%1,747
Cash dividends to net income (ytd only)*81.4877%614
Condition Ratios (%)
Loss allowance to loans1.9056%2,451
Loan loss allowance to noncurrent loans31.7065%6,056
Noncurrent assets plus other real estate owned to assets4.0936%1,177
Noncurrent loans to loans6.0102%680
Net loans and leases to total assets61.2415%3,525
Net loans and leases to deposits78.3130%2,621
Net loans and leases to core deposits87.7059%2,248
Total domestic deposits to total assets71.9098%6,746
Equity capital to assets10.5455%3,786
Core capital (leverage) ratio8.2139%6,126
Tier 1 risk-based capital ratio9.6790%6,873
Total risk-based capital ratio12.0922%6,524
Memoranda:
Average total assets$1,185,573,250,0004
Average earning assets$1,028,295,250,0004
Average equity$125,561,000,0004
Average total loans$748,201,750,0001
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2390%4,814
Cost of funding earning assets0.3013%6,736
Net interest margin3.9377%2,755
Noninterest income to average assets2.4857%301
Noninterest expense to average assets3.3241%2,240
Loan and lease loss provision to assets0.5316%1,177
Net operating income to assets1.2850%1,478
Return on assets (ROA)1.2497%1,737
Pretax return on assets1.9988%699
Return on Equity (ROE)11.7827%1,735
Retained earnings to average equity (ytd only)1.3470%5,520
Net charge-offs to loans1.0267%1,071
Credit loss provision to net charge-offs81.7491%3,268
Earnings coverage of net charge-offs (x)3.9534%3,221
Efficiency ratio54.0830%6,309
Assets per employee ($millions)5.2575%1,859
Cash dividends to net income (ytd only)*88.5679%623
Condition Ratios (%)
Loss allowance to loans2.0562%2,096
Loan loss allowance to noncurrent loans33.7057%5,985
Noncurrent assets plus other real estate owned to assets4.2525%1,178
Noncurrent loans to loans6.1004%713
Net loans and leases to total assets62.4793%3,342
Net loans and leases to deposits80.0563%2,373
Net loans and leases to core deposits89.6855%2,016
Total domestic deposits to total assets71.8297%6,809
Equity capital to assets10.6457%3,518
Core capital (leverage) ratio8.2772%5,951
Tier 1 risk-based capital ratio9.6907%6,890
Total risk-based capital ratio12.1364%6,531
Memoranda:
Average total assets$1,174,499,000,0004
Average earning assets$1,016,934,000,0004
Average equity$124,572,000,0004
Average total loans$743,966,000,0001
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2301%4,995
Cost of funding earning assets0.3095%6,814
Net interest margin3.9206%2,837
Noninterest income to average assets2.5103%300
Noninterest expense to average assets3.3358%2,186
Loan and lease loss provision to assets0.5759%1,002
Net operating income to assets1.3135%1,422
Return on assets (ROA)1.2864%1,664
Pretax return on assets1.9613%794
Return on Equity (ROE)12.1511%1,629
Retained earnings to average equity (ytd only)1.6704%5,396
Net charge-offs to loans1.0769%959
Credit loss provision to net charge-offs84.7313%2,646
Earnings coverage of net charge-offs (x)3.7740%2,751
Efficiency ratio54.2204%6,322
Assets per employee ($millions)5.2350%1,948
Cash dividends to net income (ytd only)*86.2527%710
Condition Ratios (%)
Loss allowance to loans2.1551%1,978
Loan loss allowance to noncurrent loans33.6707%5,985
Noncurrent assets plus other real estate owned to assets4.3892%1,229
Noncurrent loans to loans6.4006%748
Net loans and leases to total assets61.2122%3,408
Net loans and leases to deposits78.6414%2,391
Net loans and leases to core deposits87.2628%2,139
Total domestic deposits to total assets72.1758%6,867
Equity capital to assets10.5532%3,422
Core capital (leverage) ratio8.3586%5,797
Tier 1 risk-based capital ratio9.7261%6,931
Total risk-based capital ratio12.3245%6,489
Memoranda:
Average total assets$1,171,653,500,0004
Average earning assets$1,013,316,500,0004
Average equity$124,038,500,0004
Average total loans$739,521,500,0002
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4449%5,267
Cost of funding earning assets0.3971%6,892
Net interest margin4.0478%2,641
Noninterest income to average assets2.3278%299
Noninterest expense to average assets3.4248%2,180
Loan and lease loss provision to assets0.5715%1,817
Net operating income to assets1.1972%1,520
Return on assets (ROA)1.1649%1,729
Pretax return on assets1.7642%869
Return on Equity (ROE)10.5836%1,850
Retained earnings to average equity (ytd only)1.0182%5,386
Net charge-offs to loans1.2955%1,271
Credit loss provision to net charge-offs68.3857%4,915
Earnings coverage of net charge-offs (x)2.8387%3,793
Efficiency ratio56.3174%6,277
Assets per employee ($millions)5.1419%2,006
Cash dividends to net income (ytd only)*90.3799%515
Condition Ratios (%)
Loss allowance to loans2.2117%1,784
Loan loss allowance to noncurrent loans34.1210%5,931
Noncurrent assets plus other real estate owned to assets4.5233%1,213
Noncurrent loans to loans6.4820%725
Net loans and leases to total assets62.2763%3,543
Net loans and leases to deposits79.8687%2,543
Net loans and leases to core deposits89.5134%2,195
Total domestic deposits to total assets71.6966%6,891
Equity capital to assets10.6207%3,397
Core capital (leverage) ratio8.2989%5,858
Tier 1 risk-based capital ratio9.5918%6,942
Total risk-based capital ratio12.2725%6,427
Memoranda:
Average total assets$1,120,778,233,2004
Average earning assets$960,542,596,6004
Average equity$123,360,300,2004
Average total loans$722,970,600,0002
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4790%5,314
Cost of funding earning assets0.4093%6,995
Net interest margin4.0698%2,604
Noninterest income to average assets2.3182%298
Noninterest expense to average assets3.4562%2,057
Loan and lease loss provision to assets0.5558%1,770
Net operating income to assets1.1909%1,677
Return on assets (ROA)1.1532%1,921
Pretax return on assets1.7459%1,049
Return on Equity (ROE)10.3823%2,076
Retained earnings to average equity (ytd only)1.4115%5,442
Net charge-offs to loans1.3348%1,137
Credit loss provision to net charge-offs64.3413%4,658
Earnings coverage of net charge-offs (x)2.7166%3,770
Efficiency ratio56.7690%6,178
Assets per employee ($millions)5.0768%2,099
Cash dividends to net income (ytd only)*86.4043%494
Condition Ratios (%)
Loss allowance to loans2.3076%1,676
Loan loss allowance to noncurrent loans36.7374%5,840
Noncurrent assets plus other real estate owned to assets4.4369%1,352
Noncurrent loans to loans6.2814%861
Net loans and leases to total assets62.3573%3,640
Net loans and leases to deposits80.4843%2,592
Net loans and leases to core deposits92.0098%1,992
Total domestic deposits to total assets69.8217%7,049
Equity capital to assets10.8024%3,352
Core capital (leverage) ratio8.4875%5,730
Tier 1 risk-based capital ratio10.2644%6,871
Total risk-based capital ratio13.0825%5,997
Memoranda:
Average total assets$1,110,600,291,5004
Average earning assets$950,983,745,7504
Average equity$123,360,875,2504
Average total loans$718,790,000,0002
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5422%5,204
Cost of funding earning assets0.4239%7,078
Net interest margin4.1183%2,344
Noninterest income to average assets2.3635%292
Noninterest expense to average assets3.5157%1,943
Loan and lease loss provision to assets0.6338%1,514
Net operating income to assets1.1405%1,754
Return on assets (ROA)1.0929%1,986
Pretax return on assets1.6761%1,100
Return on Equity (ROE)9.7462%2,213
Retained earnings to average equity (ytd only)1.8014%5,095
Net charge-offs to loans1.4052%1,079
Credit loss provision to net charge-offs69.3593%4,074
Earnings coverage of net charge-offs (x)2.5937%3,532
Efficiency ratio56.9425%6,306
Assets per employee ($millions)4.8575%2,327
Cash dividends to net income (ytd only)*81.5172%760
Condition Ratios (%)
Loss allowance to loans2.5215%1,415
Loan loss allowance to noncurrent loans39.3087%5,698
Noncurrent assets plus other real estate owned to assets4.5657%1,373
Noncurrent loans to loans6.4147%880
Net loans and leases to total assets62.7100%3,738
Net loans and leases to deposits81.0371%2,610
Net loans and leases to core deposits93.7896%1,921
Total domestic deposits to total assets68.8931%7,160
Equity capital to assets11.2125%2,754
Core capital (leverage) ratio8.6391%5,326
Tier 1 risk-based capital ratio10.3067%6,870
Total risk-based capital ratio13.1576%5,830
Memoranda:
Average total assets$1,100,049,055,3304
Average earning assets$940,821,327,6704
Average equity$123,350,833,6704
Average total loans$715,352,000,0002
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5469%5,183
Cost of funding earning assets0.4339%7,151
Net interest margin4.1130%2,223
Noninterest income to average assets2.4135%282
Noninterest expense to average assets3.5097%1,981
Loan and lease loss provision to assets0.6982%1,208
Net operating income to assets1.1513%1,661
Return on assets (ROA)1.1078%1,868
Pretax return on assets1.6727%1,029
Return on Equity (ROE)9.8792%2,139
Retained earnings to average equity (ytd only)5.0046%3,194
Net charge-offs to loans1.5049%906
Credit loss provision to net charge-offs70.9630%3,337
Earnings coverage of net charge-offs (x)2.4670%3,097
Efficiency ratio56.2853%6,470
Assets per employee ($millions)4.7398%2,510
Cash dividends to net income (ytd only)*49.3421%1,497
Condition Ratios (%)
Loss allowance to loans2.6610%1,246
Loan loss allowance to noncurrent loans38.7180%5,719
Noncurrent assets plus other real estate owned to assets4.9279%1,279
Noncurrent loans to loans6.8727%823
Net loans and leases to total assets62.8469%3,689
Net loans and leases to deposits81.4642%2,451
Net loans and leases to core deposits94.4502%1,838
Total domestic deposits to total assets68.5918%7,247
Equity capital to assets11.3363%2,388
Core capital (leverage) ratio8.7846%4,953
Tier 1 risk-based capital ratio10.4193%6,853
Total risk-based capital ratio13.3580%5,591
Memoranda:
Average total assets$1,097,657,083,0004
Average earning assets$940,329,991,5004
Average equity$123,086,750,5004
Average total loans$717,646,500,0002
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9066%5,003
Cost of funding earning assets0.5119%7,283
Net interest margin4.3947%1,490
Noninterest income to average assets2.6399%273
Noninterest expense to average assets3.5552%2,046
Loan and lease loss provision to assets1.2643%1,232
Net operating income to assets1.0299%1,935
Return on assets (ROA)0.9838%2,206
Pretax return on assets1.4930%1,393
Return on Equity (ROE)8.6226%2,455
Retained earnings to average equity (ytd only)-1.4795%5,883
Net charge-offs to loans2.0640%974
Credit loss provision to net charge-offs91.1776%5,074
Earnings coverage of net charge-offs (x)2.0295%4,211
Efficiency ratio52.7974%6,916
Assets per employee ($millions)4.7649%2,461
Cash dividends to net income (ytd only)*117.1583%254
Condition Ratios (%)
Loss allowance to loans2.6916%1,183
Loan loss allowance to noncurrent loans38.4835%5,732
Noncurrent assets plus other real estate owned to assets5.1527%1,232
Noncurrent loans to loans6.9940%805
Net loans and leases to total assets64.4067%3,784
Net loans and leases to deposits83.8206%2,482
Net loans and leases to core deposits98.1156%1,789
Total domestic deposits to total assets67.8361%7,330
Equity capital to assets11.0915%2,607
Core capital (leverage) ratio8.5250%5,310
Tier 1 risk-based capital ratio10.0729%6,946
Total risk-based capital ratio13.0862%5,620
Memoranda:
Average total assets$1,088,805,846,4004
Average earning assets$924,006,882,6004
Average equity$124,231,514,2003
Average total loans$731,495,103,0002
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9600%4,991
Cost of funding earning assets0.5260%7,408
Net interest margin4.4341%1,415
Noninterest income to average assets2.6116%261
Noninterest expense to average assets3.5326%1,955
Loan and lease loss provision to assets1.3844%979
Net operating income to assets0.9540%2,399
Return on assets (ROA)0.9231%2,660
Pretax return on assets1.4131%1,846
Return on Equity (ROE)8.0338%2,883
Retained earnings to average equity (ytd only)-1.9082%6,180
Net charge-offs to loans2.1576%851
Credit loss provision to net charge-offs95.1456%4,557
Earnings coverage of net charge-offs (x)1.9462%4,247
Efficiency ratio52.4743%6,938
Assets per employee ($millions)5.4457%1,676
Cash dividends to net income (ytd only)*123.7525%200
Condition Ratios (%)
Loss allowance to loans2.8442%969
Loan loss allowance to noncurrent loans37.7025%5,821
Noncurrent assets plus other real estate owned to assets5.6074%1,095
Noncurrent loans to loans7.5437%716
Net loans and leases to total assets65.1957%3,869
Net loans and leases to deposits86.0530%2,329
Net loans and leases to core deposits99.5798%1,888
Total domestic deposits to total assets67.8417%7,388
Equity capital to assets11.4586%2,563
Core capital (leverage) ratio8.7070%5,173
Tier 1 risk-based capital ratio10.1846%6,965
Total risk-based capital ratio13.3600%5,318
Memoranda:
Average total assets$1,085,431,829,5004
Average earning assets$918,653,612,7504
Average equity$124,719,251,0003
Average total loans$731,974,378,7502
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9859%5,004
Cost of funding earning assets0.5325%7,502
Net interest margin4.4534%1,308
Noninterest income to average assets2.5926%259
Noninterest expense to average assets3.5343%1,946
Loan and lease loss provision to assets1.5158%870
Net operating income to assets0.8586%2,699
Return on assets (ROA)0.8347%2,958
Pretax return on assets1.2738%2,173
Return on Equity (ROE)7.2581%3,194
Retained earnings to average equity (ytd only)-0.3971%5,820
Net charge-offs to loans2.2628%790
Credit loss provision to net charge-offs99.1720%4,141
Earnings coverage of net charge-offs (x)1.8409%4,140
Efficiency ratio52.6453%7,012
Assets per employee ($millions)5.4874%1,629
Cash dividends to net income (ytd only)*105.4713%403
Condition Ratios (%)
Loss allowance to loans2.8988%919
Loan loss allowance to noncurrent loans37.4436%5,863
Noncurrent assets plus other real estate owned to assets5.6531%1,074
Noncurrent loans to loans7.7419%680
Net loans and leases to total assets65.5151%3,935
Net loans and leases to deposits86.0548%2,495
Net loans and leases to core deposits101.3100%1,889
Total domestic deposits to total assets67.0135%7,482
Equity capital to assets11.5427%2,406
Core capital (leverage) ratio8.8147%4,891
Tier 1 risk-based capital ratio10.2427%6,885
Total risk-based capital ratio13.4217%5,130
Memoranda:
Average total assets$1,090,412,772,6704
Average earning assets$919,474,817,0004
Average equity$125,404,668,0003
Average total loans$736,517,838,3302
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9461%5,249
Cost of funding earning assets0.5526%7,598
Net interest margin4.3935%1,411
Noninterest income to average assets2.6279%240
Noninterest expense to average assets3.3863%2,272
Loan and lease loss provision to assets1.7544%647
Net operating income to assets0.7689%3,113
Return on assets (ROA)0.7482%3,328
Pretax return on assets1.1539%2,538
Return on Equity (ROE)6.5625%3,593
Retained earnings to average equity (ytd only)6.5625%2,341
Net charge-offs to loans2.4537%672
Credit loss provision to net charge-offs106.0071%3,239
Earnings coverage of net charge-offs (x)1.7699%3,672
Efficiency ratio50.5932%7,273
Assets per employee ($millions)5.5104%1,659
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.9190%880
Loan loss allowance to noncurrent loans36.0206%5,972
Noncurrent assets plus other real estate owned to assets5.9227%1,024
Noncurrent loans to loans8.1038%662
Net loans and leases to total assets66.6819%3,705
Net loans and leases to deposits88.4497%2,143
Net loans and leases to core deposits102.6219%1,846
Total domestic deposits to total assets67.3843%7,558
Equity capital to assets11.7333%2,210
Core capital (leverage) ratio8.7639%4,915
Tier 1 risk-based capital ratio10.0544%6,992
Total risk-based capital ratio13.1306%5,266
Memoranda:
Average total assets$1,094,417,831,5004
Average earning assets$918,542,616,5004
Average equity$124,770,135,0003
Average total loans$738,140,732,5002
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3465%4,956
Cost of funding earning assets0.5532%7,801
Net interest margin4.7933%707
Noninterest income to average assets3.8879%175
Noninterest expense to average assets3.9591%1,420
Loan and lease loss provision to assets1.9365%1,142
Net operating income to assets1.3652%910
Return on assets (ROA)1.2907%1,101
Pretax return on assets1.9901%411
Return on Equity (ROE)14.4557%719
Retained earnings to average equity (ytd only)1.4177%4,075
Net charge-offs to loans2.5281%913
Credit loss provision to net charge-offs113.6547%4,821
Earnings coverage of net charge-offs (x)2.3611%3,955
Efficiency ratio49.2503%7,579
Assets per employee ($millions)4.1817%3,474
Cash dividends to net income (ytd only)*90.1931%846
Condition Ratios (%)
Loss allowance to loans2.8465%882
Loan loss allowance to noncurrent loans33.4893%6,208
Noncurrent assets plus other real estate owned to assets5.9569%951
Noncurrent loans to loans8.4998%565
Net loans and leases to total assets64.5858%4,472
Net loans and leases to deposits83.3236%3,395
Net loans and leases to core deposits98.9692%4,118
Total domestic deposits to total assets68.0266%7,548
Equity capital to assets9.2669%4,743
Core capital (leverage) ratio7.5032%6,786
Tier 1 risk-based capital ratio8.8954%7,512
Total risk-based capital ratio11.8699%6,255
Memoranda:
Average total assets$609,915,604,0004
Average earning assets$520,959,186,4004
Average equity$54,456,103,6005
Average total loans$411,067,264,0004
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4127%4,884
Cost of funding earning assets0.5429%7,918
Net interest margin4.8698%595
Noninterest income to average assets4.0758%164
Noninterest expense to average assets4.1131%1,122
Loan and lease loss provision to assets1.9665%925
Net operating income to assets1.3990%1,033
Return on assets (ROA)1.3105%1,271
Pretax return on assets2.0291%514
Return on Equity (ROE)15.1963%746
Retained earnings to average equity (ytd only)6.4336%1,744
Net charge-offs to loans2.6712%677
Credit loss provision to net charge-offs111.8863%4,537
Earnings coverage of net charge-offs (x)2.3390%4,068
Efficiency ratio49.6695%7,579
Assets per employee ($millions)3.8122%4,165
Cash dividends to net income (ytd only)*57.6637%1,697
Condition Ratios (%)
Loss allowance to loans2.7797%808
Loan loss allowance to noncurrent loans43.2573%5,429
Noncurrent assets plus other real estate owned to assets4.5007%1,359
Noncurrent loans to loans6.4259%899
Net loans and leases to total assets64.0965%4,849
Net loans and leases to deposits80.0138%4,382
Net loans and leases to core deposits95.9950%4,813
Total domestic deposits to total assets69.6692%7,441
Equity capital to assets9.2938%5,046
Core capital (leverage) ratio7.1253%7,337
Tier 1 risk-based capital ratio8.4112%7,743
Total risk-based capital ratio11.8174%6,359
Memoranda:
Average total assets$546,948,636,2505
Average earning assets$465,907,616,0005
Average equity$47,168,146,2505
Average total loans$359,882,771,7505
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4799%4,734
Cost of funding earning assets0.5796%8,000
Net interest margin4.9003%538
Noninterest income to average assets4.1792%161
Noninterest expense to average assets4.1072%1,181
Loan and lease loss provision to assets1.9726%823
Net operating income to assets1.4406%942
Return on assets (ROA)1.2222%1,495
Pretax return on assets1.9418%645
Return on Equity (ROE)14.5502%894
Retained earnings to average equity (ytd only)11.9371%457
Net charge-offs to loans2.6132%648
Credit loss provision to net charge-offs114.7967%4,033
Earnings coverage of net charge-offs (x)2.4631%3,839
Efficiency ratio48.9033%7,718
Assets per employee ($millions)3.7117%4,293
Cash dividends to net income (ytd only)*17.9587%3,217
Condition Ratios (%)
Loss allowance to loans2.7437%717
Loan loss allowance to noncurrent loans49.3265%5,065
Noncurrent assets plus other real estate owned to assets3.9758%1,499
Noncurrent loans to loans5.5623%1,038
Net loans and leases to total assets64.9474%4,773
Net loans and leases to deposits87.0024%3,360
Net loans and leases to core deposits113.3499%2,985
Total domestic deposits to total assets60.3047%7,926
Equity capital to assets9.1870%5,034
Core capital (leverage) ratio7.1181%7,437
Tier 1 risk-based capital ratio8.4675%7,847
Total risk-based capital ratio12.6124%5,444
Memoranda:
Average total assets$546,701,515,0005
Average earning assets$464,132,821,3305
Average equity$45,923,861,6705
Average total loans$359,481,362,3305
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3963%5,445
Cost of funding earning assets0.5978%8,055
Net interest margin4.7985%608
Noninterest income to average assets3.6952%171
Noninterest expense to average assets3.8432%1,395
Loan and lease loss provision to assets2.3451%501
Net operating income to assets1.0403%2,165
Return on assets (ROA)0.8879%2,899
Pretax return on assets1.3617%2,077
Return on Equity (ROE)11.1135%1,934
Retained earnings to average equity (ytd only)5.6389%2,802
Net charge-offs to loans2.4068%598
Credit loss provision to net charge-offs149.4194%2,800
Earnings coverage of net charge-offs (x)2.4970%3,496
Efficiency ratio49.1454%7,655
Assets per employee ($millions)3.8179%4,042
Cash dividends to net income (ytd only)*49.2611%1,786
Condition Ratios (%)
Loss allowance to loans2.8377%558
Loan loss allowance to noncurrent loans59.8655%4,607
Noncurrent assets plus other real estate owned to assets3.3028%1,658
Noncurrent loans to loans4.7401%1,173
Net loans and leases to total assets63.4984%5,073
Net loans and leases to deposits94.1441%2,251
Net loans and leases to core deposits117.2776%2,659
Total domestic deposits to total assets57.3472%8,019
Equity capital to assets8.1671%6,572
Core capital (leverage) ratio6.5325%7,866
Tier 1 risk-based capital ratio7.6955%8,038
Total risk-based capital ratio11.8672%6,195
Memoranda:
Average total assets$548,715,293,5005
Average earning assets$465,061,457,5005
Average equity$43,838,571,0005
Average total loans$357,815,351,0005
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1470%4,791
Cost of funding earning assets1.5820%7,483
Net interest margin4.5651%1,272
Noninterest income to average assets2.7654%226
Noninterest expense to average assets3.7643%1,824
Loan and lease loss provision to assets1.9593%623
Net operating income to assets0.5894%4,354
Return on assets (ROA)0.7198%3,637
Pretax return on assets1.0435%3,228
Return on Equity (ROE)8.3678%2,906
Retained earnings to average equity (ytd only)5.3760%1,825
Net charge-offs to loans1.6296%692
Credit loss provision to net charge-offs184.4734%2,689
Earnings coverage of net charge-offs (x)2.6492%4,759
Efficiency ratio56.7624%6,897
Assets per employee ($millions)3.8038%3,951
Cash dividends to net income (ytd only)*35.7536%3,847
Condition Ratios (%)
Loss allowance to loans2.3749%778
Loan loss allowance to noncurrent loans60.9609%4,955
Noncurrent assets plus other real estate owned to assets2.6995%1,759
Noncurrent loans to loans3.8958%1,267
Net loans and leases to total assets63.0988%5,435
Net loans and leases to deposits98.0470%2,121
Net loans and leases to core deposits116.9184%3,012
Total domestic deposits to total assets57.2223%8,035
Equity capital to assets7.7281%7,173
Core capital (leverage) ratio6.3145%7,986
Tier 1 risk-based capital ratio7.2074%8,158
Total risk-based capital ratio10.7090%7,268
Memoranda:
Average total assets$505,137,705,0005
Average earning assets$421,879,151,0005
Average equity$43,452,270,2005
Average total loans$329,224,193,8005