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Western Alliance Bank, Performance and Condition Ratios

2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2325%400
Cost of funding earning assets2.5622%248
Net interest margin3.6703%1,840
Noninterest income to average assets0.4200%2,376
Noninterest expense to average assets2.2568%2,927
Loan and lease loss provision to assets0.1000%1,184
Net operating income to assets1.1500%1,923
Return on assets (ROA)1.1035%2,026
Pretax return on assets1.3922%1,798
Return on Equity (ROE)12.9200%1,917
Retained earnings to average equity (ytd only)9.0935%1,655
Net charge-offs to loans0.0545%1,125
Credit loss provision to net charge-offs182.5141%1,184
Earnings coverage of net charge-offs (x)37.7042%1,483
Efficiency ratio58.8297%3,108
Assets per employee ($millions)21.2156%86
Cash dividends to net income (ytd only)*29.6289%2,083
Condition Ratios (%)
Loss allowance to loans0.6378%4,220
Loan loss allowance to noncurrent loans44.3217%3,668
Noncurrent assets plus other real estate owned to assets1.0639%473
Noncurrent loans to loans1.4390%512
Net loans and leases to total assets72.3000%1,538
Net loans and leases to deposits93.9417%900
Net loans and leases to core deposits149.6809%151
Total domestic deposits to total assets76.9700%3,927
Equity capital to assets8.5943%2,668
Core capital (leverage) ratio8.8966%3,866
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8514%2,323
Memoranda:
Average total assets$69,323,485,50038
Average earning assets$64,047,720,75038
Average equity$5,920,033,75040
Average total loans$52,404,661,75032
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1808%356
Cost of funding earning assets2.5035%192
Net interest margin3.6773%1,859
Noninterest income to average assets0.2700%3,288
Noninterest expense to average assets2.1235%3,284
Loan and lease loss provision to assets0.1200%954
Net operating income to assets1.1458%1,979
Return on assets (ROA)1.0606%2,230
Pretax return on assets1.3229%2,010
Return on Equity (ROE)12.4500%2,027
Retained earnings to average equity (ytd only)8.7007%1,763
Net charge-offs to loans0.0508%1,006
Credit loss provision to net charge-offs185.0056%1,085
Earnings coverage of net charge-offs (x)39.8191%1,402
Efficiency ratio57.4046%3,267
Assets per employee ($millions)20.0183%93
Cash dividends to net income (ytd only)*30.0979%2,075
Condition Ratios (%)
Loss allowance to loans0.6287%4,265
Loan loss allowance to noncurrent loans42.5500%3,685
Noncurrent assets plus other real estate owned to assets1.1299%379
Noncurrent loans to loans1.4775%452
Net loans and leases to total assets74.5500%1,221
Net loans and leases to deposits98.9607%564
Net loans and leases to core deposits159.1256%105
Total domestic deposits to total assets75.3300%4,097
Equity capital to assets8.8493%2,625
Core capital (leverage) ratio8.5333%4,111
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4288%2,490
Memoranda:
Average total assets$68,917,317,66738
Average earning assets$63,687,697,33338
Average equity$5,872,505,66740
Average total loans$52,762,206,33332
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0339%301
Cost of funding earning assets2.2002%196
Net interest margin3.8337%1,613
Noninterest income to average assets-0.2200%4,670
Noninterest expense to average assets2.0099%3,608
Loan and lease loss provision to assets0.1100%1,010
Net operating income to assets0.9332%2,744
Return on assets (ROA)0.8238%3,069
Pretax return on assets1.0731%2,787
Return on Equity (ROE)9.8500%2,829
Retained earnings to average equity (ytd only)6.0590%2,747
Net charge-offs to loans0.0444%913
Credit loss provision to net charge-offs16.7983%1,380
Earnings coverage of net charge-offs (x)38.5407%1,201
Efficiency ratio59.8369%2,975
Assets per employee ($millions)20.9336%89
Cash dividends to net income (ytd only)*38.5151%1,499
Condition Ratios (%)
Loss allowance to loans0.5682%4,388
Loan loss allowance to noncurrent loans44.3660%3,738
Noncurrent assets plus other real estate owned to assets0.9871%420
Noncurrent loans to loans1.2806%527
Net loans and leases to total assets75.1300%1,062
Net loans and leases to deposits111.4573%164
Net loans and leases to core deposits137.8820%199
Total domestic deposits to total assets67.4100%4,465
Equity capital to assets8.2729%3,061
Core capital (leverage) ratio8.1410%4,363
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.5840%2,836
Memoranda:
Average total assets$69,334,855,00041
Average earning assets$64,176,692,50041
Average equity$5,796,361,50043
Average total loans$53,604,817,50034
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5321%682
Cost of funding earning assets0.7643%445
Net interest margin3.7678%1,229
Noninterest income to average assets0.5200%1,990
Noninterest expense to average assets1.8553%3,919
Loan and lease loss provision to assets0.1100%1,145
Net operating income to assets1.6505%603
Return on assets (ROA)1.6421%588
Pretax return on assets2.0483%425
Return on Equity (ROE)19.4800%524
Retained earnings to average equity (ytd only)17.5311%151
Net charge-offs to loans0.0032%2,368
Credit loss provision to net charge-offs3,719.8986%166
Earnings coverage of net charge-offs (x)876.3295%205
Efficiency ratio45.7389%4,360
Assets per employee ($millions)19.7790%98
Cash dividends to net income (ytd only)*10.0129%3,234
Condition Ratios (%)
Loss allowance to loans0.5781%4,360
Loan loss allowance to noncurrent loans42.3325%3,758
Noncurrent assets plus other real estate owned to assets1.1068%370
Noncurrent loans to loans1.3657%500
Net loans and leases to total assets78.6900%733
Net loans and leases to deposits98.7805%486
Net loans and leases to core deposits110.3492%599
Total domestic deposits to total assets79.6600%3,923
Equity capital to assets8.4512%2,734
Core capital (leverage) ratio8.2237%4,295
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.5425%2,856
Memoranda:
Average total assets$63,859,320,00042
Average earning assets$59,309,530,40042
Average equity$5,382,698,20050
Average total loans$50,091,330,00037
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1038%1,059
Cost of funding earning assets0.4794%844
Net interest margin3.6244%1,338
Noninterest income to average assets0.5800%1,791
Noninterest expense to average assets1.7976%3,994
Loan and lease loss provision to assets0.1400%734
Net operating income to assets1.6149%635
Return on assets (ROA)1.6029%633
Pretax return on assets1.9970%470
Return on Equity (ROE)19.0300%524
Retained earnings to average equity (ytd only)16.3880%251
Net charge-offs to loans-0.0006%3,141
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio45.1248%4,419
Assets per employee ($millions)19.9782%102
Cash dividends to net income (ytd only)*13.8846%2,701
Condition Ratios (%)
Loss allowance to loans0.5561%4,422
Loan loss allowance to noncurrent loans34.3049%3,872
Noncurrent assets plus other real estate owned to assets1.3099%284
Noncurrent loans to loans1.6209%417
Net loans and leases to total assets78.7300%637
Net loans and leases to deposits97.3341%482
Net loans and leases to core deposits105.3459%601
Total domestic deposits to total assets80.8800%4,004
Equity capital to assets7.7314%3,069
Core capital (leverage) ratio7.9023%4,437
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.7981%3,069
Memoranda:
Average total assets$62,903,189,75043
Average earning assets$58,500,057,00043
Average equity$5,298,347,50053
Average total loans$49,221,577,75038
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7518%1,419
Cost of funding earning assets0.2786%1,919
Net interest margin3.4733%1,388
Noninterest income to average assets0.6817%1,424
Noninterest expense to average assets1.7674%4,024
Loan and lease loss provision to assets0.1200%829
Net operating income to assets1.6305%510
Return on assets (ROA)1.6165%514
Pretax return on assets2.0099%372
Return on Equity (ROE)18.6130%411
Retained earnings to average equity (ytd only)16.7205%159
Net charge-offs to loans0.0070%1,745
Credit loss provision to net charge-offs1,346.6184%331
Earnings coverage of net charge-offs (x)394.4855%322
Efficiency ratio44.6815%4,505
Assets per employee ($millions)19.8179%102
Cash dividends to net income (ytd only)*10.1675%2,767
Condition Ratios (%)
Loss allowance to loans0.5300%4,521
Loan loss allowance to noncurrent loans25.0447%3,951
Noncurrent assets plus other real estate owned to assets1.6822%193
Noncurrent loans to loans2.1163%302
Net loans and leases to total assets77.7000%576
Net loans and leases to deposits94.8982%479
Net loans and leases to core deposits102.0491%590
Total domestic deposits to total assets81.8772%4,022
Equity capital to assets7.9753%3,142
Core capital (leverage) ratio8.0031%4,337
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.2239%2,985
Memoranda:
Average total assets$60,842,667,33346
Average earning assets$56,635,153,00045
Average equity$5,284,064,66753
Average total loans$47,398,092,66738
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5702%1,589
Cost of funding earning assets0.2194%2,540
Net interest margin3.3508%1,441
Noninterest income to average assets0.7117%1,278
Noninterest expense to average assets1.7766%4,001
Loan and lease loss provision to assets0.0618%1,304
Net operating income to assets1.6046%501
Return on assets (ROA)1.6049%499
Pretax return on assets1.9895%365
Return on Equity (ROE)17.6628%364
Retained earnings to average equity (ytd only)17.6628%151
Net charge-offs to loans0.0021%1,748
Credit loss provision to net charge-offs2,264.9573%190
Earnings coverage of net charge-offs (x)1,276.6709%62
Efficiency ratio45.9530%4,498
Assets per employee ($millions)18.4677%124
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans0.5610%4,536
Loan loss allowance to noncurrent loans41.9921%3,909
Noncurrent assets plus other real estate owned to assets1.0465%470
Noncurrent loans to loans1.3360%651
Net loans and leases to total assets75.4405%542
Net loans and leases to deposits87.0142%675
Net loans and leases to core deposits92.0074%813
Total domestic deposits to total assets86.6990%3,040
Equity capital to assets8.8056%2,870
Core capital (leverage) ratio8.3623%4,011
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.2993%3,007
Memoranda:
Average total assets$58,267,258,00048
Average earning assets$54,179,874,00046
Average equity$5,294,515,50054
Average total loans$45,322,038,50039
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7194%2,058
Cost of funding earning assets0.2032%3,429
Net interest margin3.5162%1,685
Noninterest income to average assets0.8098%1,422
Noninterest expense to average assets1.9843%3,727
Loan and lease loss provision to assets-0.0450%4,326
Net operating income to assets1.6979%633
Return on assets (ROA)1.7096%643
Pretax return on assets2.1740%435
Return on Equity (ROE)18.8616%391
Retained earnings to average equity (ytd only)17.7024%100
Net charge-offs to loans0.0168%1,955
Credit loss provision to net charge-offs-345.7312%3,657
Earnings coverage of net charge-offs (x)170.1075%601
Efficiency ratio48.1013%4,395
Assets per employee ($millions)17.2193%146
Cash dividends to net income (ytd only)*6.1458%3,467
Condition Ratios (%)
Loss allowance to loans0.5649%4,566
Loan loss allowance to noncurrent loans42.7236%3,947
Noncurrent assets plus other real estate owned to assets1.0939%480
Noncurrent loans to loans1.3221%707
Net loans and leases to total assets79.4043%296
Net loans and leases to deposits92.6190%435
Net loans and leases to core deposits97.1064%654
Total domestic deposits to total assets85.7322%3,005
Equity capital to assets9.3904%3,236
Core capital (leverage) ratio8.1766%4,232
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.4471%2,993
Memoranda:
Average total assets$47,589,240,80051
Average earning assets$44,510,174,40049
Average equity$4,313,323,80061
Average total loans$35,262,750,80043
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6723%2,350
Cost of funding earning assets0.2029%3,577
Net interest margin3.4695%1,956
Noninterest income to average assets0.8355%1,426
Noninterest expense to average assets2.0649%3,469
Loan and lease loss provision to assets-0.1014%4,609
Net operating income to assets1.6612%902
Return on assets (ROA)1.6608%944
Pretax return on assets2.1194%655
Return on Equity (ROE)18.5288%567
Retained earnings to average equity (ytd only)16.8937%246
Net charge-offs to loans0.0188%1,681
Credit loss provision to net charge-offs-591.2126%3,702
Earnings coverage of net charge-offs (x)148.3220%682
Efficiency ratio50.2665%4,200
Assets per employee ($millions)16.6311%155
Cash dividends to net income (ytd only)*8.8248%3,004
Condition Ratios (%)
Loss allowance to loans0.5972%4,636
Loan loss allowance to noncurrent loans53.4959%3,910
Noncurrent assets plus other real estate owned to assets0.9125%751
Noncurrent loans to loans1.1163%1,003
Net loans and leases to total assets77.7470%416
Net loans and leases to deposits89.2700%640
Net loans and leases to core deposits92.3750%909
Total domestic deposits to total assets87.0920%2,319
Equity capital to assets8.8913%3,932
Core capital (leverage) ratio8.0639%4,417
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.9358%3,097
Memoranda:
Average total assets$45,487,228,00053
Average earning assets$42,582,308,50050
Average equity$4,077,065,25064
Average total loans$32,899,225,00046
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6222%2,556
Cost of funding earning assets0.1945%3,808
Net interest margin3.4276%2,067
Noninterest income to average assets0.6688%1,934
Noninterest expense to average assets2.0343%3,593
Loan and lease loss provision to assets-0.2180%4,778
Net operating income to assets1.6185%1,017
Return on assets (ROA)1.6199%1,067
Pretax return on assets2.0685%725
Return on Equity (ROE)18.0136%652
Retained earnings to average equity (ytd only)15.4294%378
Net charge-offs to loans0.0106%1,757
Credit loss provision to net charge-offs-2,783.3438%3,887
Earnings coverage of net charge-offs (x)249.0783%435
Efficiency ratio52.1158%4,035
Assets per employee ($millions)15.3101%193
Cash dividends to net income (ytd only)*14.3460%2,722
Condition Ratios (%)
Loss allowance to loans0.6752%4,572
Loan loss allowance to noncurrent loans48.2079%3,979
Noncurrent assets plus other real estate owned to assets1.0116%738
Noncurrent loans to loans1.4006%835
Net loans and leases to total assets69.8221%1,216
Net loans and leases to deposits80.9754%1,331
Net loans and leases to core deposits83.5624%1,602
Total domestic deposits to total assets86.2264%2,656
Equity capital to assets9.1638%3,643
Core capital (leverage) ratio8.1215%4,326
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7473%3,004
Memoranda:
Average total assets$43,031,727,66755
Average earning assets$40,352,198,00054
Average equity$3,869,630,33366
Average total loans$30,085,947,00049
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5078%2,899
Cost of funding earning assets0.1538%4,282
Net interest margin3.3539%2,236
Noninterest income to average assets0.1583%4,406
Noninterest expense to average assets1.6273%4,494
Loan and lease loss provision to assets-0.3234%4,868
Net operating income to assets1.6817%972
Return on assets (ROA)1.6698%1,040
Pretax return on assets2.0253%910
Return on Equity (ROE)18.7881%645
Retained earnings to average equity (ytd only)17.1009%420
Net charge-offs to loans0.0212%1,314
Credit loss provision to net charge-offs-2,056.8336%3,553
Earnings coverage of net charge-offs (x)116.1719%560
Efficiency ratio48.5222%4,303
Assets per employee ($millions)20.9809%85
Cash dividends to net income (ytd only)*8.9803%2,271
Condition Ratios (%)
Loss allowance to loans0.8606%4,272
Loan loss allowance to noncurrent loans217.9031%2,226
Noncurrent assets plus other real estate owned to assets0.2863%2,717
Noncurrent loans to loans0.3949%2,690
Net loans and leases to total assets65.5073%1,864
Net loans and leases to deposits73.5155%2,155
Net loans and leases to core deposits76.4409%2,313
Total domestic deposits to total assets89.1068%1,286
Equity capital to assets8.5102%4,110
Core capital (leverage) ratio8.5205%4,090
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7953%2,962
Memoranda:
Average total assets$40,013,133,50059
Average earning assets$38,002,779,50057
Average equity$3,556,145,50068
Average total loans$27,881,990,50050
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2279%2,063
Cost of funding earning assets0.2831%4,230
Net interest margin3.9448%1,102
Noninterest income to average assets0.2023%4,257
Noninterest expense to average assets1.6462%4,671
Loan and lease loss provision to assets0.3913%814
Net operating income to assets1.5334%740
Return on assets (ROA)1.5429%784
Pretax return on assets1.8951%557
Return on Equity (ROE)15.4421%573
Retained earnings to average equity (ytd only)10.3716%519
Net charge-offs to loans0.0590%1,931
Credit loss provision to net charge-offs736.8348%970
Earnings coverage of net charge-offs (x)49.7109%1,204
Efficiency ratio41.8543%4,839
Assets per employee ($millions)18.8822%107
Cash dividends to net income (ytd only)*32.8357%2,717
Condition Ratios (%)
Loss allowance to loans1.0311%3,751
Loan loss allowance to noncurrent loans242.4127%2,028
Noncurrent assets plus other real estate owned to assets0.3373%2,645
Noncurrent loans to loans0.4254%2,703
Net loans and leases to total assets73.2035%1,130
Net loans and leases to deposits83.1754%1,525
Net loans and leases to core deposits86.1864%1,855
Total domestic deposits to total assets88.0110%1,465
Equity capital to assets9.3357%3,760
Core capital (leverage) ratio8.9569%3,742
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6227%3,004
Memoranda:
Average total assets$31,581,343,80068
Average earning assets$29,769,615,00063
Average equity$3,155,500,80071
Average total loans$24,477,180,20055
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3348%2,005
Cost of funding earning assets0.3257%4,186
Net interest margin4.0092%1,096
Noninterest income to average assets0.2113%4,214
Noninterest expense to average assets1.5873%4,738
Loan and lease loss provision to assets0.6938%308
Net operating income to assets1.3928%1,119
Return on assets (ROA)1.3971%1,208
Pretax return on assets1.7088%953
Return on Equity (ROE)13.7114%936
Retained earnings to average equity (ytd only)7.4563%1,507
Net charge-offs to loans0.0587%1,770
Credit loss provision to net charge-offs1,278.1494%700
Earnings coverage of net charge-offs (x)51.9725%1,172
Efficiency ratio39.7115%4,900
Assets per employee ($millions)18.2744%105
Cash dividends to net income (ytd only)*45.6194%1,686
Condition Ratios (%)
Loss allowance to loans1.1938%2,699
Loan loss allowance to noncurrent loans178.4028%2,403
Noncurrent assets plus other real estate owned to assets0.5599%2,044
Noncurrent loans to loans0.6692%2,111
Net loans and leases to total assets77.0702%953
Net loans and leases to deposits88.3321%1,447
Net loans and leases to core deposits93.1609%1,697
Total domestic deposits to total assets87.2505%1,557
Equity capital to assets9.7009%3,516
Core capital (leverage) ratio9.0832%3,673
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2173%2,860
Memoranda:
Average total assets$30,332,975,50070
Average earning assets$28,548,431,75067
Average equity$3,090,751,75073
Average total loans$23,833,220,75055
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5288%1,835
Cost of funding earning assets0.3764%4,143
Net interest margin4.1524%1,014
Noninterest income to average assets0.2243%4,147
Noninterest expense to average assets1.6135%4,770
Loan and lease loss provision to assets0.9764%220
Net operating income to assets1.2591%1,465
Return on assets (ROA)1.2469%1,619
Pretax return on assets1.5205%1,410
Return on Equity (ROE)12.0189%1,329
Retained earnings to average equity (ytd only)3.4734%3,191
Net charge-offs to loans0.0199%2,329
Credit loss provision to net charge-offs5,472.6641%215
Earnings coverage of net charge-offs (x)160.0674%513
Efficiency ratio38.9895%4,939
Assets per employee ($millions)16.9735%119
Cash dividends to net income (ytd only)*71.1000%907
Condition Ratios (%)
Loss allowance to loans1.2407%2,301
Loan loss allowance to noncurrent loans223.0178%1,977
Noncurrent assets plus other real estate owned to assets0.4657%2,460
Noncurrent loans to loans0.5563%2,498
Net loans and leases to total assets77.4228%932
Net loans and leases to deposits88.8563%1,469
Net loans and leases to core deposits94.8085%1,680
Total domestic deposits to total assets87.1326%1,565
Equity capital to assets9.7151%3,454
Core capital (leverage) ratio9.2202%3,659
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6015%2,773
Memoranda:
Average total assets$29,327,063,33373
Average earning assets$27,551,708,00069
Average equity$3,042,566,66774
Average total loans$23,106,288,33359
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6662%1,808
Cost of funding earning assets0.5320%3,780
Net interest margin4.1342%1,068
Noninterest income to average assets0.2405%4,118
Noninterest expense to average assets1.6403%4,832
Loan and lease loss provision to assets0.7304%357
Net operating income to assets1.4297%924
Return on assets (ROA)1.3671%1,142
Pretax return on assets1.6683%913
Return on Equity (ROE)12.7165%932
Retained earnings to average equity (ytd only)0.1043%3,968
Net charge-offs to loans-0.0571%4,678
Credit loss provision to net charge-offs-1,430.3193%3,627
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.7278%4,982
Assets per employee ($millions)15.4534%122
Cash dividends to net income (ytd only)*99.1794%760
Condition Ratios (%)
Loss allowance to loans1.0158%3,622
Loan loss allowance to noncurrent loans273.7657%1,649
Noncurrent assets plus other real estate owned to assets0.3309%3,122
Noncurrent loans to loans0.3711%3,158
Net loans and leases to total assets78.5533%895
Net loans and leases to deposits91.3195%1,363
Net loans and leases to core deposits97.4374%1,686
Total domestic deposits to total assets86.0203%1,994
Equity capital to assets10.2917%3,525
Core capital (leverage) ratio9.9545%3,514
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.3866%3,252
Memoranda:
Average total assets$28,027,035,50074
Average earning assets$26,269,152,50071
Average equity$3,012,970,00073
Average total loans$22,144,718,50060
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2155%959
Cost of funding earning assets0.7259%3,036
Net interest margin4.4897%732
Noninterest income to average assets0.2029%4,446
Noninterest expense to average assets1.9272%4,632
Loan and lease loss provision to assets0.0737%2,522
Net operating income to assets1.9734%379
Return on assets (ROA)1.9968%370
Pretax return on assets2.4210%241
Return on Equity (ROE)17.8959%347
Retained earnings to average equity (ytd only)13.2546%156
Net charge-offs to loans0.0177%3,081
Credit loss provision to net charge-offs540.9357%549
Earnings coverage of net charge-offs (x)181.0216%423
Efficiency ratio43.7264%4,988
Assets per employee ($millions)14.4036%135
Cash dividends to net income (ytd only)*25.9345%3,262
Condition Ratios (%)
Loss allowance to loans0.7944%4,319
Loan loss allowance to noncurrent loans301.0730%1,518
Noncurrent assets plus other real estate owned to assets0.2590%3,396
Noncurrent loans to loans0.2638%3,500
Net loans and leases to total assets78.0097%1,081
Net loans and leases to deposits90.7714%1,509
Net loans and leases to core deposits98.3241%1,705
Total domestic deposits to total assets85.9409%2,090
Equity capital to assets11.2485%2,764
Core capital (leverage) ratio10.3448%3,143
Tier 1 risk-based capital ratio10.6220%4,980
Total risk-based capital ratio11.9058%4,893
Memoranda:
Average total assets$25,103,545,00076
Average earning assets$23,431,073,00073
Average equity$2,800,995,60076
Average total loans$19,270,756,80066
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2565%939
Cost of funding earning assets0.7536%2,952
Net interest margin4.5029%758
Noninterest income to average assets0.1968%4,541
Noninterest expense to average assets1.8896%4,711
Loan and lease loss provision to assets0.0784%2,338
Net operating income to assets1.9952%401
Return on assets (ROA)2.0255%393
Pretax return on assets2.4666%264
Return on Equity (ROE)18.1932%377
Retained earnings to average equity (ytd only)13.3374%247
Net charge-offs to loans0.0156%2,843
Credit loss provision to net charge-offs660.2914%507
Earnings coverage of net charge-offs (x)211.2775%427
Efficiency ratio42.8249%5,050
Assets per employee ($millions)14.3333%139
Cash dividends to net income (ytd only)*26.6899%2,754
Condition Ratios (%)
Loss allowance to loans0.8188%4,357
Loan loss allowance to noncurrent loans329.0811%1,396
Noncurrent assets plus other real estate owned to assets0.2491%3,570
Noncurrent loans to loans0.2488%3,651
Net loans and leases to total assets75.8706%1,506
Net loans and leases to deposits88.0603%1,922
Net loans and leases to core deposits94.2497%2,159
Total domestic deposits to total assets86.1575%1,920
Equity capital to assets11.1057%3,007
Core capital (leverage) ratio10.1192%3,510
Tier 1 risk-based capital ratio10.3322%5,128
Total risk-based capital ratio11.6196%5,042
Memoranda:
Average total assets$24,663,763,00077
Average earning assets$23,010,271,50074
Average equity$2,745,829,25078
Average total loans$18,807,622,00068
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2709%863
Cost of funding earning assets0.7517%2,882
Net interest margin4.5192%739
Noninterest income to average assets0.2001%4,552
Noninterest expense to average assets1.8909%4,766
Loan and lease loss provision to assets0.0871%2,109
Net operating income to assets2.0107%378
Return on assets (ROA)2.0292%388
Pretax return on assets2.4576%259
Return on Equity (ROE)18.2101%370
Retained earnings to average equity (ytd only)12.9976%302
Net charge-offs to loans0.0306%2,244
Credit loss provision to net charge-offs374.0648%763
Earnings coverage of net charge-offs (x)108.3010%657
Efficiency ratio42.6994%5,101
Assets per employee ($millions)13.8802%133
Cash dividends to net income (ytd only)*28.6241%2,686
Condition Ratios (%)
Loss allowance to loans0.8333%4,328
Loan loss allowance to noncurrent loans310.4971%1,535
Noncurrent assets plus other real estate owned to assets0.2615%3,522
Noncurrent loans to loans0.2684%3,570
Net loans and leases to total assets75.3190%1,665
Net loans and leases to deposits87.7456%2,034
Net loans and leases to core deposits93.7759%2,259
Total domestic deposits to total assets85.8379%2,118
Equity capital to assets11.0970%2,948
Core capital (leverage) ratio10.4809%3,117
Tier 1 risk-based capital ratio10.4372%5,125
Total risk-based capital ratio11.7743%5,012
Memoranda:
Average total assets$24,103,463,33077
Average earning assets$22,471,977,00073
Average equity$2,685,855,67078
Average total loans$18,359,209,00068
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3150%735
Cost of funding earning assets0.7326%2,871
Net interest margin4.5824%634
Noninterest income to average assets0.1925%4,603
Noninterest expense to average assets1.9565%4,718
Loan and lease loss provision to assets0.0596%2,463
Net operating income to assets2.0186%375
Return on assets (ROA)2.0445%372
Pretax return on assets2.4712%260
Return on Equity (ROE)18.3066%372
Retained earnings to average equity (ytd only)12.2056%578
Net charge-offs to loans0.0275%1,907
Credit loss provision to net charge-offs284.5528%858
Earnings coverage of net charge-offs (x)119.3073%596
Efficiency ratio43.7570%5,109
Assets per employee ($millions)13.3036%156
Cash dividends to net income (ytd only)*33.3269%2,124
Condition Ratios (%)
Loss allowance to loans0.8555%4,322
Loan loss allowance to noncurrent loans353.7708%1,387
Noncurrent assets plus other real estate owned to assets0.2452%3,638
Noncurrent loans to loans0.2418%3,702
Net loans and leases to total assets75.3851%1,584
Net loans and leases to deposits87.4835%1,941
Net loans and leases to core deposits94.0278%2,120
Total domestic deposits to total assets86.1706%2,199
Equity capital to assets11.2352%2,619
Core capital (leverage) ratio10.4555%3,097
Tier 1 risk-based capital ratio10.5638%5,164
Total risk-based capital ratio11.9500%5,008
Memoranda:
Average total assets$23,482,537,50078
Average earning assets$21,849,165,50076
Average equity$2,622,501,00082
Average total loans$17,913,688,50071
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1380%787
Cost of funding earning assets0.5169%3,244
Net interest margin4.6211%578
Noninterest income to average assets0.2438%4,462
Noninterest expense to average assets1.9150%4,877
Loan and lease loss provision to assets0.1068%2,064
Net operating income to assets2.1251%290
Return on assets (ROA)2.0880%300
Pretax return on assets2.4706%219
Return on Equity (ROE)18.5371%342
Retained earnings to average equity (ytd only)12.3693%292
Net charge-offs to loans0.0636%2,207
Credit loss provision to net charge-offs223.0717%1,311
Earnings coverage of net charge-offs (x)54.7668%1,083
Efficiency ratio42.0546%5,238
Assets per employee ($millions)12.7625%170
Cash dividends to net income (ytd only)*33.2728%2,889
Condition Ratios (%)
Loss allowance to loans0.8623%4,319
Loan loss allowance to noncurrent loans540.2087%1,021
Noncurrent assets plus other real estate owned to assets0.1858%3,878
Noncurrent loans to loans0.1596%4,023
Net loans and leases to total assets75.8822%1,635
Net loans and leases to deposits90.0575%1,795
Net loans and leases to core deposits96.7465%1,986
Total domestic deposits to total assets84.2596%2,920
Equity capital to assets11.0986%2,594
Core capital (leverage) ratio10.4357%3,099
Tier 1 risk-based capital ratio10.5157%5,171
Total risk-based capital ratio11.9263%5,016
Memoranda:
Average total assets$21,590,867,20081
Average earning assets$20,054,271,60079
Average equity$2,431,985,40086
Average total loans$16,246,085,60075
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0752%801
Cost of funding earning assets0.4660%3,415
Net interest margin4.6092%587
Noninterest income to average assets0.2497%4,482
Noninterest expense to average assets1.8834%4,930
Loan and lease loss provision to assets0.1072%1,868
Net operating income to assets2.1393%287
Return on assets (ROA)2.0868%313
Pretax return on assets2.4770%243
Return on Equity (ROE)18.4520%383
Retained earnings to average equity (ytd only)15.6719%152
Net charge-offs to loans0.0591%1,978
Credit loss provision to net charge-offs242.2219%1,208
Earnings coverage of net charge-offs (x)59.7973%1,066
Efficiency ratio41.4097%5,292
Assets per employee ($millions)12.2009%187
Cash dividends to net income (ytd only)*15.0664%3,209
Condition Ratios (%)
Loss allowance to loans0.8965%4,281
Loan loss allowance to noncurrent loans407.9157%1,300
Noncurrent assets plus other real estate owned to assets0.2371%3,775
Noncurrent loans to loans0.2198%3,919
Net loans and leases to total assets74.7603%1,860
Net loans and leases to deposits86.6659%2,298
Net loans and leases to core deposits91.6871%2,511
Total domestic deposits to total assets86.2627%2,073
Equity capital to assets11.3292%2,376
Core capital (leverage) ratio10.7572%2,832
Tier 1 risk-based capital ratio11.0621%5,007
Total risk-based capital ratio12.5462%4,794
Memoranda:
Average total assets$21,203,985,75081
Average earning assets$19,691,579,00080
Average equity$2,397,974,75086
Average total loans$15,879,949,75076
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0080%802
Cost of funding earning assets0.4259%3,532
Net interest margin4.5821%576
Noninterest income to average assets0.2596%4,452
Noninterest expense to average assets1.8464%5,039
Loan and lease loss provision to assets0.1054%1,851
Net operating income to assets2.0802%320
Return on assets (ROA)2.0669%322
Pretax return on assets2.5448%207
Return on Equity (ROE)18.2880%395
Retained earnings to average equity (ytd only)16.5928%135
Net charge-offs to loans0.0509%1,875
Credit loss provision to net charge-offs277.2876%1,074
Earnings coverage of net charge-offs (x)70.1689%909
Efficiency ratio40.7445%5,382
Assets per employee ($millions)11.9220%193
Cash dividends to net income (ytd only)*9.2693%3,319
Condition Ratios (%)
Loss allowance to loans0.9111%4,288
Loan loss allowance to noncurrent loans433.7640%1,239
Noncurrent assets plus other real estate owned to assets0.2351%3,832
Noncurrent loans to loans0.2101%3,970
Net loans and leases to total assets74.6792%1,840
Net loans and leases to deposits87.2512%2,187
Net loans and leases to core deposits92.2241%2,382
Total domestic deposits to total assets85.5910%2,461
Equity capital to assets11.3916%2,273
Core capital (leverage) ratio10.6939%2,817
Tier 1 risk-based capital ratio10.9837%5,061
Total risk-based capital ratio12.5028%4,818
Memoranda:
Average total assets$20,878,237,33083
Average earning assets$19,380,262,33081
Average equity$2,359,650,00086
Average total loans$15,595,678,00076
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8998%871
Cost of funding earning assets0.3628%3,896
Net interest margin4.5370%570
Noninterest income to average assets0.2649%4,409
Noninterest expense to average assets1.8344%5,117
Loan and lease loss provision to assets0.1164%1,628
Net operating income to assets2.0748%313
Return on assets (ROA)2.0595%325
Pretax return on assets2.5042%210
Return on Equity (ROE)18.2980%380
Retained earnings to average equity (ytd only)16.5738%216
Net charge-offs to loans0.0363%1,796
Credit loss provision to net charge-offs431.3444%660
Earnings coverage of net charge-offs (x)97.7692%623
Efficiency ratio40.8319%5,438
Assets per employee ($millions)12.0270%194
Cash dividends to net income (ytd only)*9.4229%2,603
Condition Ratios (%)
Loss allowance to loans0.9294%4,308
Loan loss allowance to noncurrent loans388.1600%1,353
Noncurrent assets plus other real estate owned to assets0.2629%3,816
Noncurrent loans to loans0.2394%3,916
Net loans and leases to total assets74.0394%1,849
Net loans and leases to deposits87.5768%1,986
Net loans and leases to core deposits98.3989%1,812
Total domestic deposits to total assets84.5423%3,104
Equity capital to assets11.2813%2,320
Core capital (leverage) ratio10.4407%3,020
Tier 1 risk-based capital ratio10.7694%5,258
Total risk-based capital ratio12.3163%4,999
Memoranda:
Average total assets$20,611,423,00084
Average earning assets$19,120,011,50082
Average equity$2,319,901,50087
Average total loans$15,324,894,50077
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8114%960
Cost of funding earning assets0.2820%4,298
Net interest margin4.5294%575
Noninterest income to average assets0.2190%4,838
Noninterest expense to average assets1.8858%5,134
Loan and lease loss provision to assets0.1014%2,198
Net operating income to assets1.7701%458
Return on assets (ROA)1.7770%463
Pretax return on assets2.4571%190
Return on Equity (ROE)15.5380%538
Retained earnings to average equity (ytd only)12.2856%165
Net charge-offs to loans0.0221%3,363
Credit loss provision to net charge-offs613.5048%525
Earnings coverage of net charge-offs (x)154.2447%472
Efficiency ratio42.2753%5,490
Assets per employee ($millions)11.6795%205
Cash dividends to net income (ytd only)*20.9319%3,646
Condition Ratios (%)
Loss allowance to loans0.9277%4,330
Loan loss allowance to noncurrent loans327.0111%1,562
Noncurrent assets plus other real estate owned to assets0.2873%3,740
Noncurrent loans to loans0.2837%3,766
Net loans and leases to total assets73.2750%2,051
Net loans and leases to deposits86.7657%2,164
Net loans and leases to core deposits96.8005%1,959
Total domestic deposits to total assets84.4516%3,055
Equity capital to assets11.2290%2,407
Core capital (leverage) ratio10.2535%3,124
Tier 1 risk-based capital ratio10.7358%5,277
Total risk-based capital ratio12.3226%4,992
Memoranda:
Average total assets$18,819,621,80086
Average earning assets$17,516,571,60083
Average equity$2,152,264,60085
Average total loans$14,088,045,40077
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7758%969
Cost of funding earning assets0.2711%4,397
Net interest margin4.5047%597
Noninterest income to average assets0.2137%4,939
Noninterest expense to average assets1.8266%5,240
Loan and lease loss provision to assets0.1019%2,073
Net operating income to assets1.7758%487
Return on assets (ROA)1.7805%497
Pretax return on assets2.4898%207
Return on Equity (ROE)15.4912%591
Retained earnings to average equity (ytd only)12.9727%223
Net charge-offs to loans0.0168%3,178
Credit loss provision to net charge-offs809.6607%428
Earnings coverage of net charge-offs (x)205.4110%424
Efficiency ratio41.1299%5,552
Assets per employee ($millions)11.7904%189
Cash dividends to net income (ytd only)*16.2581%3,285
Condition Ratios (%)
Loss allowance to loans0.9393%4,381
Loan loss allowance to noncurrent loans247.9563%1,861
Noncurrent assets plus other real estate owned to assets0.3593%3,590
Noncurrent loans to loans0.3788%3,593
Net loans and leases to total assets72.5249%2,179
Net loans and leases to deposits84.7663%2,467
Net loans and leases to core deposits95.8292%2,094
Total domestic deposits to total assets85.5586%2,496
Equity capital to assets11.2778%2,592
Core capital (leverage) ratio10.2239%3,287
Tier 1 risk-based capital ratio10.9717%5,259
Total risk-based capital ratio12.6220%4,925
Memoranda:
Average total assets$18,423,517,75086
Average earning assets$17,169,088,75084
Average equity$2,117,539,50084
Average total loans$13,837,293,00078
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7627%942
Cost of funding earning assets0.2589%4,472
Net interest margin4.5038%563
Noninterest income to average assets0.2214%4,923
Noninterest expense to average assets1.8613%5,239
Loan and lease loss provision to assets0.0863%2,260
Net operating income to assets1.7862%464
Return on assets (ROA)1.7909%474
Pretax return on assets2.4711%225
Return on Equity (ROE)15.4749%600
Retained earnings to average equity (ytd only)12.5873%274
Net charge-offs to loans0.0070%3,209
Credit loss provision to net charge-offs1,624.7379%257
Earnings coverage of net charge-offs (x)480.0671%173
Efficiency ratio41.8887%5,579
Assets per employee ($millions)11.3832%201
Cash dividends to net income (ytd only)*18.6597%3,160
Condition Ratios (%)
Loss allowance to loans0.9390%4,476
Loan loss allowance to noncurrent loans416.0752%1,215
Noncurrent assets plus other real estate owned to assets0.2656%4,063
Noncurrent loans to loans0.2257%4,219
Net loans and leases to total assets73.8847%1,894
Net loans and leases to deposits86.1283%2,201
Net loans and leases to core deposits97.4637%1,851
Total domestic deposits to total assets85.7844%2,480
Equity capital to assets11.5043%2,316
Core capital (leverage) ratio10.1458%3,343
Tier 1 risk-based capital ratio11.0008%5,250
Total risk-based capital ratio12.6983%4,886
Memoranda:
Average total assets$17,954,195,33086
Average earning assets$16,706,453,67086
Average equity$2,077,870,00083
Average total loans$13,610,012,67078
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6932%948
Cost of funding earning assets0.2505%4,531
Net interest margin4.4427%585
Noninterest income to average assets0.2235%4,931
Noninterest expense to average assets1.9003%5,238
Loan and lease loss provision to assets0.1082%1,763
Net operating income to assets1.7434%505
Return on assets (ROA)1.7541%503
Pretax return on assets2.3600%269
Return on Equity (ROE)15.1084%629
Retained earnings to average equity (ytd only)11.1837%577
Net charge-offs to loans0.0389%2,032
Credit loss provision to net charge-offs363.9847%696
Earnings coverage of net charge-offs (x)82.5303%641
Efficiency ratio43.2843%5,618
Assets per employee ($millions)11.3258%201
Cash dividends to net income (ytd only)*25.9767%2,395
Condition Ratios (%)
Loss allowance to loans0.9335%4,625
Loan loss allowance to noncurrent loans359.2492%1,381
Noncurrent assets plus other real estate owned to assets0.3203%3,910
Noncurrent loans to loans0.2599%4,184
Net loans and leases to total assets75.0750%1,565
Net loans and leases to deposits87.9348%1,805
Net loans and leases to core deposits101.5085%1,402
Total domestic deposits to total assets85.3758%2,932
Equity capital to assets11.5055%2,176
Core capital (leverage) ratio10.4666%2,942
Tier 1 risk-based capital ratio10.7808%5,423
Total risk-based capital ratio12.4987%5,073
Memoranda:
Average total assets$17,557,258,00087
Average earning assets$16,323,468,00086
Average equity$2,038,388,00082
Average total loans$13,423,392,50079
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6999%1,060
Cost of funding earning assets0.2453%4,609
Net interest margin4.4546%676
Noninterest income to average assets0.2555%4,889
Noninterest expense to average assets1.9902%5,209
Loan and lease loss provision to assets0.0702%2,948
Net operating income to assets1.6588%597
Return on assets (ROA)1.6588%624
Pretax return on assets2.3182%267
Return on Equity (ROE)14.7515%659
Retained earnings to average equity (ytd only)14.7515%114
Net charge-offs to loans0.0462%3,115
Credit loss provision to net charge-offs198.1122%1,429
Earnings coverage of net charge-offs (x)67.4037%820
Efficiency ratio45.0551%5,668
Assets per employee ($millions)10.6978%245
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.9403%4,622
Loan loss allowance to noncurrent loans325.5492%1,525
Noncurrent assets plus other real estate owned to assets0.3665%3,814
Noncurrent loans to loans0.2888%4,116
Net loans and leases to total assets76.4382%1,444
Net loans and leases to deposits89.7232%1,714
Net loans and leases to core deposits105.6582%1,151
Total domestic deposits to total assets85.1934%2,959
Equity capital to assets11.7200%1,994
Core capital (leverage) ratio10.2603%3,159
Tier 1 risk-based capital ratio10.8260%5,417
Total risk-based capital ratio12.5946%5,045
Memoranda:
Average total assets$15,995,652,00090
Average earning assets$14,805,285,40088
Average equity$1,798,674,20088
Average total loans$12,273,541,40079
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6694%1,138
Cost of funding earning assets0.2463%4,637
Net interest margin4.4231%744
Noninterest income to average assets0.2585%4,912
Noninterest expense to average assets1.9710%5,263
Loan and lease loss provision to assets0.0868%2,492
Net operating income to assets1.6319%680
Return on assets (ROA)1.6319%719
Pretax return on assets2.2927%323
Return on Equity (ROE)14.6808%707
Retained earnings to average equity (ytd only)14.6808%143
Net charge-offs to loans0.0718%2,289
Credit loss provision to net charge-offs157.6603%1,718
Earnings coverage of net charge-offs (x)43.2431%1,179
Efficiency ratio44.8977%5,715
Assets per employee ($millions)10.8402%226
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.9390%4,707
Loan loss allowance to noncurrent loans314.6686%1,557
Noncurrent assets plus other real estate owned to assets0.3918%3,854
Noncurrent loans to loans0.2984%4,184
Net loans and leases to total assets76.0939%1,512
Net loans and leases to deposits89.1200%1,872
Net loans and leases to core deposits106.5895%1,142
Total domestic deposits to total assets85.3836%2,649
Equity capital to assets11.5946%2,436
Core capital (leverage) ratio9.9384%3,649
Tier 1 risk-based capital ratio10.6481%5,548
Total risk-based capital ratio12.4860%5,141
Memoranda:
Average total assets$15,720,788,25091
Average earning assets$14,543,712,75089
Average equity$1,747,455,00092
Average total loans$12,044,119,00079
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6076%1,253
Cost of funding earning assets0.2430%4,726
Net interest margin4.3645%826
Noninterest income to average assets0.2699%4,849
Noninterest expense to average assets1.9601%5,350
Loan and lease loss provision to assets0.1075%2,066
Net operating income to assets1.6152%696
Return on assets (ROA)1.6152%743
Pretax return on assets2.2343%347
Return on Equity (ROE)14.7656%707
Retained earnings to average equity (ytd only)14.7656%154
Net charge-offs to loans0.0899%1,944
Credit loss provision to net charge-offs156.2666%1,546
Earnings coverage of net charge-offs (x)34.0486%1,289
Efficiency ratio45.1412%5,787
Assets per employee ($millions)10.7481%220
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.9450%4,782
Loan loss allowance to noncurrent loans274.8348%1,754
Noncurrent assets plus other real estate owned to assets0.4376%3,758
Noncurrent loans to loans0.3438%4,136
Net loans and leases to total assets76.5529%1,406
Net loans and leases to deposits89.4907%1,813
Net loans and leases to core deposits106.9952%1,104
Total domestic deposits to total assets85.5428%2,628
Equity capital to assets11.3979%2,641
Core capital (leverage) ratio10.1053%3,443
Tier 1 risk-based capital ratio10.3713%5,733
Total risk-based capital ratio12.2417%5,355
Memoranda:
Average total assets$15,313,293,67091
Average earning assets$14,146,459,00090
Average equity$1,675,105,33095
Average total loans$11,720,491,33080
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5277%1,432
Cost of funding earning assets0.2316%4,887
Net interest margin4.2961%938
Noninterest income to average assets0.3274%4,390
Noninterest expense to average assets1.9655%5,405
Loan and lease loss provision to assets0.1587%1,317
Net operating income to assets1.6257%666
Return on assets (ROA)1.6257%707
Pretax return on assets2.1610%411
Return on Equity (ROE)15.2236%635
Retained earnings to average equity (ytd only)15.2236%234
Net charge-offs to loans0.2023%984
Credit loss provision to net charge-offs103.0303%1,583
Earnings coverage of net charge-offs (x)15.0618%1,678
Efficiency ratio45.4232%5,833
Assets per employee ($millions)10.1726%256
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.0581%4,300
Loan loss allowance to noncurrent loans382.7006%1,312
Noncurrent assets plus other real estate owned to assets0.3938%4,015
Noncurrent loans to loans0.2765%4,442
Net loans and leases to total assets73.1922%1,855
Net loans and leases to deposits84.7415%2,222
Net loans and leases to core deposits104.6311%1,154
Total domestic deposits to total assets86.3712%2,508
Equity capital to assets10.6081%3,359
Core capital (leverage) ratio9.1827%4,617
Tier 1 risk-based capital ratio9.6541%5,978
Total risk-based capital ratio11.6953%5,692
Memoranda:
Average total assets$14,656,260,50095
Average earning assets$13,501,959,50092
Average equity$1,565,073,500102
Average total loans$11,155,657,50082
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4734%1,682
Cost of funding earning assets0.2229%5,065
Net interest margin4.2505%1,065
Noninterest income to average assets0.2341%5,192
Noninterest expense to average assets1.9913%5,471
Loan and lease loss provision to assets0.0278%3,818
Net operating income to assets1.5842%735
Return on assets (ROA)1.5879%748
Pretax return on assets2.1452%387
Return on Equity (ROE)15.4345%621
Retained earnings to average equity (ytd only)5.2355%2,253
Net charge-offs to loans-0.0561%5,589
Credit loss provision to net charge-offs-63.3255%5,078
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.4980%5,860
Assets per employee ($millions)9.6229%304
Cash dividends to net income (ytd only)*66.0793%1,430
Condition Ratios (%)
Loss allowance to loans1.0674%4,223
Loan loss allowance to noncurrent loans326.4896%1,521
Noncurrent assets plus other real estate owned to assets0.4644%3,751
Noncurrent loans to loans0.3269%4,290
Net loans and leases to total assets77.5702%1,182
Net loans and leases to deposits91.2070%1,487
Net loans and leases to core deposits112.6601%738
Total domestic deposits to total assets85.0485%3,066
Equity capital to assets10.7539%3,071
Core capital (leverage) ratio8.9468%4,947
Tier 1 risk-based capital ratio9.2807%6,076
Total risk-based capital ratio11.3595%5,853
Memoranda:
Average total assets$12,580,314,40098
Average earning assets$11,617,822,60098
Average equity$1,294,246,200110
Average total loans$9,859,746,60089
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3709%2,009
Cost of funding earning assets0.2200%5,186
Net interest margin4.1509%1,278
Noninterest income to average assets0.2162%5,362
Noninterest expense to average assets1.9741%5,530
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.5431%861
Return on assets (ROA)1.5478%894
Pretax return on assets2.0877%515
Return on Equity (ROE)15.2458%696
Retained earnings to average equity (ytd only)3.1763%4,203
Net charge-offs to loans-0.0842%5,728
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.3379%5,856
Assets per employee ($millions)9.6186%307
Cash dividends to net income (ytd only)*79.1659%759
Condition Ratios (%)
Loss allowance to loans1.0743%4,359
Loan loss allowance to noncurrent loans529.9160%980
Noncurrent assets plus other real estate owned to assets0.4712%3,914
Noncurrent loans to loans0.2027%4,839
Net loans and leases to total assets76.8801%1,260
Net loans and leases to deposits91.4162%1,473
Net loans and leases to core deposits116.2608%580
Total domestic deposits to total assets84.0990%3,384
Equity capital to assets10.7799%3,262
Core capital (leverage) ratio8.8382%5,193
Tier 1 risk-based capital ratio9.0232%6,188
Total risk-based capital ratio11.1072%6,045
Memoranda:
Average total assets$12,186,574,250101
Average earning assets$11,271,101,250101
Average equity$1,237,246,500116
Average total loans$9,549,996,00092
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1630%2,668
Cost of funding earning assets0.2141%5,319
Net interest margin3.9489%1,811
Noninterest income to average assets0.1902%5,540
Noninterest expense to average assets1.8841%5,737
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.4519%984
Return on assets (ROA)1.4594%1,018
Pretax return on assets1.9765%623
Return on Equity (ROE)14.7356%775
Retained earnings to average equity (ytd only)0.5075%5,349
Net charge-offs to loans-0.0879%5,734
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.6814%5,923
Assets per employee ($millions)9.2784%335
Cash dividends to net income (ytd only)*96.5558%579
Condition Ratios (%)
Loss allowance to loans1.0994%4,324
Loan loss allowance to noncurrent loans217.2910%2,108
Noncurrent assets plus other real estate owned to assets0.7191%3,233
Noncurrent loans to loans0.5060%3,943
Net loans and leases to total assets76.7149%1,269
Net loans and leases to deposits89.0631%1,709
Net loans and leases to core deposits110.4114%817
Total domestic deposits to total assets86.1354%2,615
Equity capital to assets10.9378%2,949
Core capital (leverage) ratio9.1056%4,812
Tier 1 risk-based capital ratio9.2700%6,229
Total risk-based capital ratio11.4246%5,978
Memoranda:
Average total assets$11,638,251,000107
Average earning assets$10,787,695,670103
Average equity$1,152,652,330125
Average total loans$9,150,268,00098
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3279%2,008
Cost of funding earning assets0.2294%5,221
Net interest margin4.0985%1,280
Noninterest income to average assets0.2118%5,436
Noninterest expense to average assets1.8955%5,763
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.5702%750
Return on assets (ROA)1.5861%763
Pretax return on assets2.1610%423
Return on Equity (ROE)17.1152%461
Retained earnings to average equity (ytd only)8.3269%1,445
Net charge-offs to loans-0.0552%5,566
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.7220%6,078
Assets per employee ($millions)9.6391%288
Cash dividends to net income (ytd only)*51.3479%1,687
Condition Ratios (%)
Loss allowance to loans1.2603%3,631
Loan loss allowance to noncurrent loans228.7085%1,989
Noncurrent assets plus other real estate owned to assets0.8259%3,029
Noncurrent loans to loans0.5511%3,926
Net loans and leases to total assets77.8463%951
Net loans and leases to deposits89.6062%1,428
Net loans and leases to core deposits117.4571%471
Total domestic deposits to total assets86.8760%2,438
Equity capital to assets9.1150%5,176
Core capital (leverage) ratio9.1217%4,821
Tier 1 risk-based capital ratio9.4730%6,276
Total risk-based capital ratio10.5795%6,274
Memoranda:
Average total assets$10,804,796,500108
Average earning assets$10,078,059,500107
Average equity$1,001,333,500138
Average total loans$8,565,148,500100
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5017%1,855
Cost of funding earning assets0.2491%5,329
Net interest margin4.2526%1,159
Noninterest income to average assets0.2754%5,145
Noninterest expense to average assets2.0404%5,694
Loan and lease loss provision to assets0.0425%3,715
Net operating income to assets1.5887%725
Return on assets (ROA)1.5806%772
Pretax return on assets2.1234%388
Return on Equity (ROE)17.0461%488
Retained earnings to average equity (ytd only)10.4729%446
Net charge-offs to loans-0.0777%6,053
Credit loss provision to net charge-offs-71.7839%5,466
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.0751%6,182
Assets per employee ($millions)9.1178%320
Cash dividends to net income (ytd only)*38.5614%2,931
Condition Ratios (%)
Loss allowance to loans1.3102%3,364
Loan loss allowance to noncurrent loans196.9976%2,265
Noncurrent assets plus other real estate owned to assets0.8783%3,010
Noncurrent loans to loans0.6651%3,688
Net loans and leases to total assets78.6859%920
Net loans and leases to deposits92.1790%1,271
Net loans and leases to core deposits119.9142%413
Total domestic deposits to total assets85.3621%3,138
Equity capital to assets9.4296%4,809
Core capital (leverage) ratio9.2422%4,613
Tier 1 risk-based capital ratio10.0227%6,254
Total risk-based capital ratio11.2051%6,223
Memoranda:
Average total assets$9,844,402,200112
Average earning assets$9,116,025,000109
Average equity$912,793,400142
Average total loans$7,503,195,000104
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5015%1,862
Cost of funding earning assets0.2501%5,412
Net interest margin4.2514%1,153
Noninterest income to average assets0.2648%5,315
Noninterest expense to average assets2.0186%5,736
Loan and lease loss provision to assets0.0535%3,304
Net operating income to assets1.5861%777
Return on assets (ROA)1.5712%837
Pretax return on assets2.1081%445
Return on Equity (ROE)17.0235%545
Retained earnings to average equity (ytd only)11.0581%506
Net charge-offs to loans-0.0890%6,103
Credit loss provision to net charge-offs-79.8561%5,417
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.7344%6,211
Assets per employee ($millions)9.0674%328
Cash dividends to net income (ytd only)*35.0422%2,576
Condition Ratios (%)
Loss allowance to loans1.3734%3,292
Loan loss allowance to noncurrent loans185.1522%2,290
Noncurrent assets plus other real estate owned to assets0.8973%3,197
Noncurrent loans to loans0.7418%3,752
Net loans and leases to total assets76.4949%1,157
Net loans and leases to deposits89.1296%1,535
Net loans and leases to core deposits114.6120%568
Total domestic deposits to total assets85.8244%2,942
Equity capital to assets9.3707%4,954
Core capital (leverage) ratio9.2598%4,695
Tier 1 risk-based capital ratio10.0809%6,328
Total risk-based capital ratio11.2945%6,296
Memoranda:
Average total assets$9,686,400,750114
Average earning assets$8,953,806,250110
Average equity$894,021,250144
Average total loans$7,290,768,250105
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5076%1,805
Cost of funding earning assets0.2489%5,499
Net interest margin4.2587%1,120
Noninterest income to average assets0.2501%5,409
Noninterest expense to average assets2.0551%5,715
Loan and lease loss provision to assets0.0735%2,799
Net operating income to assets1.5303%825
Return on assets (ROA)1.5047%896
Pretax return on assets2.0241%531
Return on Equity (ROE)16.3920%613
Retained earnings to average equity (ytd only)9.0762%964
Net charge-offs to loans-0.0581%5,942
Credit loss provision to net charge-offs-169.9175%5,364
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.7284%6,245
Assets per employee ($millions)8.9525%334
Cash dividends to net income (ytd only)*44.6304%2,170
Condition Ratios (%)
Loss allowance to loans1.4018%3,340
Loan loss allowance to noncurrent loans224.9989%1,935
Noncurrent assets plus other real estate owned to assets0.8471%3,432
Noncurrent loans to loans0.6230%4,157
Net loans and leases to total assets74.6470%1,356
Net loans and leases to deposits86.9541%1,714
Net loans and leases to core deposits107.9488%770
Total domestic deposits to total assets85.8464%3,128
Equity capital to assets9.2121%5,092
Core capital (leverage) ratio9.2683%4,640
Tier 1 risk-based capital ratio10.2318%6,330
Total risk-based capital ratio11.4804%6,288
Memoranda:
Average total assets$9,530,044,330115
Average earning assets$8,791,591,670109
Average equity$874,815,330147
Average total loans$7,095,492,000105
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5240%1,726
Cost of funding earning assets0.2506%5,577
Net interest margin4.2734%1,055
Noninterest income to average assets0.2638%5,250
Noninterest expense to average assets2.1002%5,680
Loan and lease loss provision to assets0.1498%1,618
Net operating income to assets1.4485%900
Return on assets (ROA)1.4207%996
Pretax return on assets1.9218%626
Return on Equity (ROE)15.5056%704
Retained earnings to average equity (ytd only)8.0339%1,584
Net charge-offs to loans-0.0202%5,369
Credit loss provision to net charge-offs-1,003.4384%5,348
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.4004%6,292
Assets per employee ($millions)8.6545%380
Cash dividends to net income (ytd only)*48.1870%1,743
Condition Ratios (%)
Loss allowance to loans1.4644%3,311
Loan loss allowance to noncurrent loans197.2290%2,114
Noncurrent assets plus other real estate owned to assets0.9100%3,457
Noncurrent loans to loans0.7425%4,011
Net loans and leases to total assets73.1315%1,408
Net loans and leases to deposits85.2285%1,702
Net loans and leases to core deposits104.9167%802
Total domestic deposits to total assets85.8064%3,464
Equity capital to assets9.1226%4,977
Core capital (leverage) ratio9.2565%4,636
Tier 1 risk-based capital ratio10.3399%6,382
Total risk-based capital ratio11.5903%6,338
Memoranda:
Average total assets$9,348,793,500117
Average earning assets$8,610,271,500112
Average equity$856,569,000149
Average total loans$6,898,501,000107
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6522%1,706
Cost of funding earning assets0.2466%5,988
Net interest margin4.4057%901
Noninterest income to average assets0.3331%4,954
Noninterest expense to average assets2.1370%5,755
Loan and lease loss provision to assets0.1423%2,526
Net operating income to assets1.5250%781
Return on assets (ROA)1.5049%855
Pretax return on assets2.0668%418
Return on Equity (ROE)15.4946%686
Retained earnings to average equity (ytd only)7.2622%1,332
Net charge-offs to loans0.1222%3,588
Credit loss provision to net charge-offs156.3582%1,477
Earnings coverage of net charge-offs (x)24.5237%1,363
Efficiency ratio48.2561%6,484
Assets per employee ($millions)10.0492%225
Cash dividends to net income (ytd only)*53.1307%2,114
Condition Ratios (%)
Loss allowance to loans1.4742%3,314
Loan loss allowance to noncurrent loans167.1885%2,430
Noncurrent assets plus other real estate owned to assets1.0635%3,286
Noncurrent loans to loans0.8818%3,781
Net loans and leases to total assets72.2666%1,644
Net loans and leases to deposits84.6622%1,843
Net loans and leases to core deposits104.2074%893
Total domestic deposits to total assets85.3588%3,572
Equity capital to assets9.2035%4,801
Core capital (leverage) ratio9.4487%4,339
Tier 1 risk-based capital ratio10.5216%6,358
Total risk-based capital ratio11.7445%6,326
Memoranda:
Average total assets$8,379,655,800124
Average earning assets$7,677,019,200122
Average equity$813,856,000145
Average total loans$6,242,587,600114
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8552%1,226
Cost of funding earning assets0.2990%5,749
Net interest margin4.5562%669
Noninterest income to average assets0.6764%2,745
Noninterest expense to average assets2.0960%5,836
Loan and lease loss provision to assets0.4521%629
Net operating income to assets1.7671%569
Return on assets (ROA)1.7665%593
Pretax return on assets2.3620%293
Return on Equity (ROE)20.5358%271
Retained earnings to average equity (ytd only)16.8274%137
Net charge-offs to loans0.1884%2,714
Credit loss provision to net charge-offs305.4495%830
Earnings coverage of net charge-offs (x)19.0175%1,646
Efficiency ratio42.1211%6,708
Assets per employee ($millions)11.3834%158
Cash dividends to net income (ytd only)*18.0580%3,163
Condition Ratios (%)
Loss allowance to loans1.0793%5,406
Loan loss allowance to noncurrent loans141.8867%2,660
Noncurrent assets plus other real estate owned to assets0.9195%3,836
Noncurrent loans to loans0.7607%4,326
Net loans and leases to total assets76.5298%934
Net loans and leases to deposits90.4387%1,119
Net loans and leases to core deposits122.7279%282
Total domestic deposits to total assets84.6206%3,919
Equity capital to assets8.7111%5,506
Core capital (leverage) ratio8.9751%5,161
Tier 1 risk-based capital ratio9.1525%6,713
Total risk-based capital ratio10.6328%6,670
Memoranda:
Average total assets$2,925,750,000257
Average earning assets$2,719,170,500248
Average equity$251,678,250315
Average total loans$2,299,167,750221
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8631%1,184
Cost of funding earning assets0.2968%5,853
Net interest margin4.5662%630
Noninterest income to average assets0.9265%1,726
Noninterest expense to average assets2.1792%5,683
Loan and lease loss provision to assets0.2616%1,417
Net operating income to assets2.0809%312
Return on assets (ROA)2.0799%329
Pretax return on assets2.7325%202
Return on Equity (ROE)24.3019%135
Retained earnings to average equity (ytd only)18.4293%116
Net charge-offs to loans0.2351%2,307
Credit loss provision to net charge-offs140.7493%1,611
Earnings coverage of net charge-offs (x)16.1136%1,684
Efficiency ratio41.5552%6,766
Assets per employee ($millions)10.4174%196
Cash dividends to net income (ytd only)*24.1654%2,843
Condition Ratios (%)
Loss allowance to loans0.9097%6,106
Loan loss allowance to noncurrent loans142.2800%2,628
Noncurrent assets plus other real estate owned to assets0.9100%3,968
Noncurrent loans to loans0.6394%4,662
Net loans and leases to total assets79.6814%566
Net loans and leases to deposits91.8154%982
Net loans and leases to core deposits125.4015%231
Total domestic deposits to total assets86.7844%2,951
Equity capital to assets8.5970%5,673
Core capital (leverage) ratio8.3467%5,827
Tier 1 risk-based capital ratio8.7140%6,774
Total risk-based capital ratio10.1055%6,768
Memoranda:
Average total assets$2,785,431,330272
Average earning assets$2,591,364,000260
Average equity$238,392,670327
Average total loans$2,202,499,670232
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6195%1,772
Cost of funding earning assets0.2983%5,976
Net interest margin4.3211%927
Noninterest income to average assets0.2255%5,852
Noninterest expense to average assets1.9849%6,131
Loan and lease loss provision to assets0.3974%779
Net operating income to assets1.2811%1,330
Return on assets (ROA)1.2811%1,428
Pretax return on assets1.8606%788
Return on Equity (ROE)15.0080%767
Retained earnings to average equity (ytd only)8.8239%1,446
Net charge-offs to loans0.2949%1,786
Credit loss provision to net charge-offs172.1097%1,228
Earnings coverage of net charge-offs (x)9.7786%1,808
Efficiency ratio46.0666%6,691
Assets per employee ($millions)9.8876%239
Cash dividends to net income (ytd only)*41.2056%1,813
Condition Ratios (%)
Loss allowance to loans1.0575%5,766
Loan loss allowance to noncurrent loans97.7076%3,424
Noncurrent assets plus other real estate owned to assets1.2960%3,376
Noncurrent loans to loans1.0823%3,986
Net loans and leases to total assets76.4405%787
Net loans and leases to deposits85.7609%1,376
Net loans and leases to core deposits122.5716%251
Total domestic deposits to total assets89.1321%1,605
Equity capital to assets8.3522%6,146
Core capital (leverage) ratio8.5352%5,540
Tier 1 risk-based capital ratio8.9524%6,813
Total risk-based capital ratio10.5475%6,779
Memoranda:
Average total assets$2,651,994,500285
Average earning assets$2,465,658,000277
Average equity$226,386,000346
Average total loans$2,076,525,500248
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8274%2,098
Cost of funding earning assets0.3630%6,143
Net interest margin4.4644%1,013
Noninterest income to average assets0.1791%6,117
Noninterest expense to average assets2.0333%6,268
Loan and lease loss provision to assets0.1091%4,266
Net operating income to assets1.5136%891
Return on assets (ROA)1.5526%906
Pretax return on assets2.2442%372
Return on Equity (ROE)17.5982%475
Retained earnings to average equity (ytd only)13.0515%250
Net charge-offs to loans0.1631%4,072
Credit loss provision to net charge-offs87.5635%3,569
Earnings coverage of net charge-offs (x)18.4327%1,436
Efficiency ratio46.1736%6,778
Assets per employee ($millions)9.7906%261
Cash dividends to net income (ytd only)*25.8363%3,537
Condition Ratios (%)
Loss allowance to loans1.0443%5,784
Loan loss allowance to noncurrent loans85.3138%3,756
Noncurrent assets plus other real estate owned to assets1.3154%3,453
Noncurrent loans to loans1.2241%3,799
Net loans and leases to total assets78.5848%612
Net loans and leases to deposits90.6289%1,015
Net loans and leases to core deposits129.5719%191
Total domestic deposits to total assets86.7106%2,988
Equity capital to assets8.7331%5,813
Core capital (leverage) ratio8.6164%5,439
Tier 1 risk-based capital ratio9.1783%6,837
Total risk-based capital ratio10.8658%6,770
Memoranda:
Average total assets$2,368,283,800309
Average earning assets$2,202,069,400297
Average equity$208,942,200361
Average total loans$1,809,387,400265
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8015%2,387
Cost of funding earning assets0.3781%6,244
Net interest margin4.4234%1,155
Noninterest income to average assets0.1693%6,290
Noninterest expense to average assets1.9933%6,358
Loan and lease loss provision to assets0.0699%4,798
Net operating income to assets1.4859%1,045
Return on assets (ROA)1.5151%1,103
Pretax return on assets2.2643%427
Return on Equity (ROE)17.1252%595
Retained earnings to average equity (ytd only)12.5764%428
Net charge-offs to loans0.1812%3,669
Credit loss provision to net charge-offs51.0290%4,382
Earnings coverage of net charge-offs (x)16.7325%1,668
Efficiency ratio45.7214%6,828
Assets per employee ($millions)9.7581%263
Cash dividends to net income (ytd only)*26.5624%2,786
Condition Ratios (%)
Loss allowance to loans1.0941%5,740
Loan loss allowance to noncurrent loans74.1167%4,058
Noncurrent assets plus other real estate owned to assets1.6237%3,151
Noncurrent loans to loans1.4761%3,579
Net loans and leases to total assets76.1758%953
Net loans and leases to deposits86.0667%1,594
Net loans and leases to core deposits124.4664%242
Total domestic deposits to total assets88.5079%1,719
Equity capital to assets8.9436%5,877
Core capital (leverage) ratio8.9268%5,158
Tier 1 risk-based capital ratio9.4818%6,902
Total risk-based capital ratio11.2571%6,779
Memoranda:
Average total assets$2,319,070,500313
Average earning assets$2,157,118,750298
Average equity$205,173,500364
Average total loans$1,752,463,750269
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8220%2,419
Cost of funding earning assets0.3958%6,285
Net interest margin4.4262%1,136
Noninterest income to average assets0.1973%6,147
Noninterest expense to average assets2.0313%6,368
Loan and lease loss provision to assets0.0090%5,542
Net operating income to assets1.4972%993
Return on assets (ROA)1.5417%1,042
Pretax return on assets2.3535%378
Return on Equity (ROE)17.4933%575
Retained earnings to average equity (ytd only)13.0186%437
Net charge-offs to loans0.1690%3,590
Credit loss provision to net charge-offs7.1182%4,764
Earnings coverage of net charge-offs (x)18.0981%1,501
Efficiency ratio46.1381%6,880
Assets per employee ($millions)9.7938%243
Cash dividends to net income (ytd only)*25.5798%2,789
Condition Ratios (%)
Loss allowance to loans1.1379%5,610
Loan loss allowance to noncurrent loans118.6901%2,752
Noncurrent assets plus other real estate owned to assets1.0179%4,341
Noncurrent loans to loans0.9587%4,593
Net loans and leases to total assets75.3327%1,057
Net loans and leases to deposits88.2473%1,350
Net loans and leases to core deposits119.0751%332
Total domestic deposits to total assets85.3655%3,684
Equity capital to assets8.9144%5,788
Core capital (leverage) ratio8.7099%5,361
Tier 1 risk-based capital ratio9.6516%6,896
Total risk-based capital ratio11.6256%6,719
Memoranda:
Average total assets$2,282,172,330316
Average earning assets$2,128,936,670299
Average equity$201,128,330371
Average total loans$1,712,829,330273
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7970%2,653
Cost of funding earning assets0.4137%6,342
Net interest margin4.3833%1,264
Noninterest income to average assets0.1919%6,233
Noninterest expense to average assets2.0459%6,383
Loan and lease loss provision to assets-0.3546%7,243
Net operating income to assets1.6993%721
Return on assets (ROA)1.7426%745
Pretax return on assets2.6609%273
Return on Equity (ROE)19.8924%396
Retained earnings to average equity (ytd only)15.8390%379
Net charge-offs to loans0.0253%4,335
Credit loss provision to net charge-offs-1,883.9623%6,048
Earnings coverage of net charge-offs (x)119.0000%296
Efficiency ratio46.9072%6,857
Assets per employee ($millions)9.5827%274
Cash dividends to net income (ytd only)*20.3770%2,328
Condition Ratios (%)
Loss allowance to loans1.1425%5,742
Loan loss allowance to noncurrent loans144.9978%2,231
Noncurrent assets plus other real estate owned to assets0.9180%4,682
Noncurrent loans to loans0.7879%5,094
Net loans and leases to total assets74.4348%995
Net loans and leases to deposits86.5260%1,353
Net loans and leases to core deposits122.9729%270
Total domestic deposits to total assets86.0259%3,511
Equity capital to assets8.8935%5,645
Core capital (leverage) ratio8.8945%4,999
Tier 1 risk-based capital ratio9.6641%6,941
Total risk-based capital ratio11.6653%6,759
Memoranda:
Average total assets$2,252,895,500315
Average earning assets$2,103,976,000299
Average equity$197,361,500369
Average total loans$1,677,429,500274
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9672%3,037
Cost of funding earning assets0.5946%6,111
Net interest margin4.3725%1,472
Noninterest income to average assets0.2215%5,945
Noninterest expense to average assets2.3068%6,024
Loan and lease loss provision to assets0.4905%2,156
Net operating income to assets0.9441%2,434
Return on assets (ROA)0.9661%2,468
Pretax return on assets1.4962%1,485
Return on Equity (ROE)11.1145%1,662
Retained earnings to average equity (ytd only)9.9943%570
Net charge-offs to loans0.6119%2,611
Credit loss provision to net charge-offs114.2145%2,865
Earnings coverage of net charge-offs (x)4.5474%3,072
Efficiency ratio53.2342%6,584
Assets per employee ($millions)9.9320%241
Cash dividends to net income (ytd only)*10.0781%3,859
Condition Ratios (%)
Loss allowance to loans1.3156%4,833
Loan loss allowance to noncurrent loans127.0326%2,469
Noncurrent assets plus other real estate owned to assets1.1101%4,390
Noncurrent loans to loans1.0357%4,634
Net loans and leases to total assets72.6361%1,529
Net loans and leases to deposits86.4566%1,620
Net loans and leases to core deposits125.8161%279
Total domestic deposits to total assets84.0146%4,309
Equity capital to assets8.6250%5,984
Core capital (leverage) ratio8.8499%5,020
Tier 1 risk-based capital ratio9.6848%6,920
Total risk-based capital ratio11.8977%6,602
Memoranda:
Average total assets$2,054,170,800338
Average earning assets$1,897,087,400327
Average equity$178,551,000395
Average total loans$1,441,757,400312
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9974%3,095
Cost of funding earning assets0.6418%6,076
Net interest margin4.3557%1,548
Noninterest income to average assets0.2264%5,998
Noninterest expense to average assets2.3680%5,856
Loan and lease loss provision to assets0.4384%2,284
Net operating income to assets0.9123%2,695
Return on assets (ROA)0.9425%2,721
Pretax return on assets1.4789%1,708
Return on Equity (ROE)10.8201%1,923
Retained earnings to average equity (ytd only)10.8201%660
Net charge-offs to loans0.6473%2,308
Credit loss provision to net charge-offs97.8232%3,497
Earnings coverage of net charge-offs (x)4.1730%3,155
Efficiency ratio54.9294%6,393
Assets per employee ($millions)9.5098%289
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.3631%4,721
Loan loss allowance to noncurrent loans122.4602%2,457
Noncurrent assets plus other real estate owned to assets1.3893%4,043
Noncurrent loans to loans1.1131%4,695
Net loans and leases to total assets70.6450%1,953
Net loans and leases to deposits82.8189%2,201
Net loans and leases to core deposits119.2074%412
Total domestic deposits to total assets85.3007%3,616
Equity capital to assets9.1282%5,608
Core capital (leverage) ratio9.0307%4,882
Tier 1 risk-based capital ratio10.6083%6,732
Total risk-based capital ratio13.0995%5,984
Memoranda:
Average total assets$2,009,038,000349
Average earning assets$1,850,422,750338
Average equity$175,003,000413
Average total loans$1,390,986,500318
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0229%3,052
Cost of funding earning assets0.6699%6,124
Net interest margin4.3530%1,503
Noninterest income to average assets0.2294%6,018
Noninterest expense to average assets2.3866%5,883
Loan and lease loss provision to assets0.5364%1,817
Net operating income to assets0.8247%2,963
Return on assets (ROA)0.8735%2,850
Pretax return on assets1.3840%1,846
Return on Equity (ROE)10.1975%2,053
Retained earnings to average equity (ytd only)10.1975%806
Net charge-offs to loans0.6643%2,176
Credit loss provision to net charge-offs118.0469%2,603
Earnings coverage of net charge-offs (x)4.0585%2,979
Efficiency ratio55.4546%6,468
Assets per employee ($millions)9.3438%295
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.4835%4,205
Loan loss allowance to noncurrent loans152.2623%1,941
Noncurrent assets plus other real estate owned to assets1.1512%4,583
Noncurrent loans to loans0.9743%5,036
Net loans and leases to total assets68.4920%2,520
Net loans and leases to deposits79.9861%2,803
Net loans and leases to core deposits110.3390%711
Total domestic deposits to total assets85.6299%3,538
Equity capital to assets8.8286%5,785
Core capital (leverage) ratio8.9693%4,775
Tier 1 risk-based capital ratio10.9811%6,545
Total risk-based capital ratio13.6338%5,428
Memoranda:
Average total assets$1,987,674,670354
Average earning assets$1,827,096,670347
Average equity$170,257,330425
Average total loans$1,359,715,000329
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0541%2,835
Cost of funding earning assets0.6895%6,196
Net interest margin4.3647%1,377
Noninterest income to average assets0.1898%6,365
Noninterest expense to average assets2.3848%5,932
Loan and lease loss provision to assets0.3276%2,588
Net operating income to assets0.9457%2,373
Return on assets (ROA)0.9940%2,252
Pretax return on assets1.5773%1,237
Return on Equity (ROE)11.7952%1,517
Retained earnings to average equity (ytd only)11.7952%766
Net charge-offs to loans0.6949%1,826
Credit loss provision to net charge-offs69.5048%3,362
Earnings coverage of net charge-offs (x)3.8814%2,612
Efficiency ratio55.6139%6,543
Assets per employee ($millions)9.4278%292
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4640%4,373
Loan loss allowance to noncurrent loans67.5648%4,038
Noncurrent assets plus other real estate owned to assets1.9775%3,345
Noncurrent loans to loans2.1669%3,364
Net loans and leases to total assets66.9194%2,780
Net loans and leases to deposits78.2536%3,012
Net loans and leases to core deposits110.0893%715
Total domestic deposits to total assets85.5161%3,776
Equity capital to assets8.3765%6,078
Core capital (leverage) ratio8.6962%5,087
Tier 1 risk-based capital ratio10.9573%6,537
Total risk-based capital ratio13.7075%5,284
Memoranda:
Average total assets$1,953,689,500361
Average earning assets$1,801,374,000351
Average equity$164,643,500433
Average total loans$1,324,996,000338
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8665%5,164
Cost of funding earning assets0.8651%6,321
Net interest margin4.0014%3,013
Noninterest income to average assets0.3202%5,498
Noninterest expense to average assets2.6861%5,051
Loan and lease loss provision to assets0.3369%4,128
Net operating income to assets0.6031%3,651
Return on assets (ROA)0.6856%3,408
Pretax return on assets1.1217%2,500
Return on Equity (ROE)8.9500%2,314
Retained earnings to average equity (ytd only)8.9500%718
Net charge-offs to loans0.9698%2,237
Credit loss provision to net charge-offs53.6012%6,204
Earnings coverage of net charge-offs (x)2.1155%4,135
Efficiency ratio65.8185%5,006
Assets per employee ($millions)8.4541%405
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.5617%3,730
Loan loss allowance to noncurrent loans89.1235%3,203
Noncurrent assets plus other real estate owned to assets1.8149%3,608
Noncurrent loans to loans1.7523%3,879
Net loans and leases to total assets66.6665%3,312
Net loans and leases to deposits76.8975%3,703
Net loans and leases to core deposits107.0097%1,125
Total domestic deposits to total assets86.6953%2,983
Equity capital to assets8.4795%5,883
Core capital (leverage) ratio8.3328%5,639
Tier 1 risk-based capital ratio10.9189%6,393
Total risk-based capital ratio13.7120%5,045
Memoranda:
Average total assets$1,873,094,200374
Average earning assets$1,730,021,800360
Average equity$143,486,400481
Average total loans$1,214,058,600370
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5706%6,415
Cost of funding earning assets0.9348%6,252
Net interest margin3.6358%4,697
Noninterest income to average assets0.5088%4,107
Noninterest expense to average assets2.4982%5,723
Loan and lease loss provision to assets0.4546%3,201
Net operating income to assets0.5702%4,003
Return on assets (ROA)0.6829%3,655
Pretax return on assets1.1337%2,720
Return on Equity (ROE)10.2928%2,010
Retained earnings to average equity (ytd only)10.2928%730
Net charge-offs to loans0.9297%2,134
Credit loss provision to net charge-offs78.9501%5,170
Earnings coverage of net charge-offs (x)2.4524%3,944
Efficiency ratio63.8859%5,259
Assets per employee ($millions)9.7450%280
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.7641%2,921
Loan loss allowance to noncurrent loans78.6111%3,428
Noncurrent assets plus other real estate owned to assets1.9037%3,608
Noncurrent loans to loans2.2441%3,398
Net loans and leases to total assets62.3919%4,449
Net loans and leases to deposits70.3725%5,094
Net loans and leases to core deposits102.1928%1,635
Total domestic deposits to total assets88.6594%1,590
Equity capital to assets7.8676%6,889
Core capital (leverage) ratio8.1639%6,091
Tier 1 risk-based capital ratio11.2401%6,144
Total risk-based capital ratio14.3367%4,485
Memoranda:
Average total assets$1,314,410,500509
Average earning assets$1,229,753,500488
Average equity$87,204,500762
Average total loans$814,167,000539
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4991%6,715
Cost of funding earning assets1.0249%6,031
Net interest margin3.4742%5,346
Noninterest income to average assets0.6216%3,182
Noninterest expense to average assets2.5749%5,434
Loan and lease loss provision to assets0.4721%2,955
Net operating income to assets0.4762%4,433
Return on assets (ROA)0.5447%4,264
Pretax return on assets0.9219%3,411
Return on Equity (ROE)8.8057%2,548
Retained earnings to average equity (ytd only)8.8057%1,172
Net charge-offs to loans0.6978%2,472
Credit loss provision to net charge-offs110.2508%3,689
Earnings coverage of net charge-offs (x)3.0055%3,496
Efficiency ratio66.6734%4,848
Assets per employee ($millions)9.2641%315
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.0548%2,063
Loan loss allowance to noncurrent loans67.2505%3,972
Noncurrent assets plus other real estate owned to assets2.2204%3,235
Noncurrent loans to loans3.0554%2,635
Net loans and leases to total assets60.2043%5,017
Net loans and leases to deposits66.6037%5,735
Net loans and leases to core deposits95.7658%2,468
Total domestic deposits to total assets90.3919%724
Equity capital to assets6.3786%7,487
Core capital (leverage) ratio6.0884%7,469
Tier 1 risk-based capital ratio9.3139%7,333
Total risk-based capital ratio12.5357%5,940
Memoranda:
Average total assets$1,284,789,330517
Average earning assets$1,198,332,670502
Average equity$79,471,330821
Average total loans$788,472,000554
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3955%7,000
Cost of funding earning assets1.0888%5,963
Net interest margin3.3067%5,948
Noninterest income to average assets0.7116%2,521
Noninterest expense to average assets2.7009%4,907
Loan and lease loss provision to assets0.6525%1,945
Net operating income to assets0.2257%5,596
Return on assets (ROA)0.2686%5,547
Pretax return on assets0.4946%4,977
Return on Equity (ROE)4.4184%4,696
Retained earnings to average equity (ytd only)4.4184%3,501
Net charge-offs to loans0.9171%1,748
Credit loss provision to net charge-offs116.0388%3,002
Earnings coverage of net charge-offs (x)1.9207%3,581
Efficiency ratio71.4346%4,038
Assets per employee ($millions)9.7833%283
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.1972%1,760
Loan loss allowance to noncurrent loans69.3424%3,889
Noncurrent assets plus other real estate owned to assets2.2322%3,237
Noncurrent loans to loans3.1686%2,532
Net loans and leases to total assets55.8956%5,756
Net loans and leases to deposits61.8920%6,285
Net loans and leases to core deposits90.6042%3,284
Total domestic deposits to total assets90.3115%826
Equity capital to assets5.8157%7,643
Core capital (leverage) ratio6.2011%7,547
Tier 1 risk-based capital ratio9.1101%7,456
Total risk-based capital ratio12.4797%5,878
Memoranda:
Average total assets$1,246,270,000552
Average earning assets$1,156,818,000534
Average equity$75,774,000873
Average total loans$764,168,500591
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1929%5,681
Cost of funding earning assets1.4316%5,797
Net interest margin3.7614%3,867
Noninterest income to average assets0.0536%7,490
Noninterest expense to average assets2.8209%4,889
Loan and lease loss provision to assets1.7674%1,288
Net operating income to assets-0.7277%6,389
Return on assets (ROA)-0.7038%6,364
Pretax return on assets-1.0855%6,467
Return on Equity (ROE)-9.8588%6,615
Retained earnings to average equity (ytd only)-9.8588%6,508
Net charge-offs to loans1.8782%1,325
Credit loss provision to net charge-offs130.7610%3,887
Earnings coverage of net charge-offs (x)0.4774%5,632
Efficiency ratio81.3845%2,684
Assets per employee ($millions)8.6375%393
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.2692%1,537
Loan loss allowance to noncurrent loans78.2661%3,514
Noncurrent assets plus other real estate owned to assets2.4181%2,876
Noncurrent loans to loans2.8993%2,663
Net loans and leases to total assets64.8903%4,389
Net loans and leases to deposits74.0183%5,035
Net loans and leases to core deposits125.7799%1,533
Total domestic deposits to total assets87.6679%2,137
Equity capital to assets6.4025%7,584
Core capital (leverage) ratio6.2104%7,585
Tier 1 risk-based capital ratio8.3845%7,603
Total risk-based capital ratio11.8382%6,291
Memoranda:
Average total assets$973,122,000688
Average earning assets$882,871,800685
Average equity$69,470,800941
Average total loans$700,285,200664
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3501%5,176
Cost of funding earning assets1.4837%5,890
Net interest margin3.8664%3,357
Noninterest income to average assets-0.0536%7,901
Noninterest expense to average assets2.9454%4,251
Loan and lease loss provision to assets1.8641%993
Net operating income to assets-0.8401%6,719
Return on assets (ROA)-0.8075%6,699
Pretax return on assets-1.3174%6,871
Return on Equity (ROE)-10.9718%6,956
Retained earnings to average equity (ytd only)-10.9718%6,883
Net charge-offs to loans1.8179%1,112
Credit loss provision to net charge-offs139.2591%3,542
Earnings coverage of net charge-offs (x)0.3704%5,653
Efficiency ratio85.5901%2,109
Assets per employee ($millions)7.0682%773
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.3403%1,249
Loan loss allowance to noncurrent loans82.5071%3,305
Noncurrent assets plus other real estate owned to assets2.7534%2,524
Noncurrent loans to loans2.8365%2,676
Net loans and leases to total assets67.4248%4,085
Net loans and leases to deposits78.7584%4,608
Net loans and leases to core deposits118.5180%2,372
Total domestic deposits to total assets85.6097%2,912
Equity capital to assets7.1785%7,503
Core capital (leverage) ratio7.1488%7,304
Tier 1 risk-based capital ratio9.0872%7,587
Total risk-based capital ratio12.6516%5,478
Memoranda:
Average total assets$935,683,500731
Average earning assets$845,769,500730
Average equity$68,865,500966
Average total loans$688,967,500695
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5238%4,490
Cost of funding earning assets1.5160%6,073
Net interest margin4.0079%2,665
Noninterest income to average assets-0.3150%8,096
Noninterest expense to average assets3.1680%3,435
Loan and lease loss provision to assets1.8138%907
Net operating income to assets-1.0531%7,024
Return on assets (ROA)-1.0027%6,987
Pretax return on assets-1.6052%7,134
Return on Equity (ROE)-13.4984%7,252
Retained earnings to average equity (ytd only)-13.4984%7,153
Net charge-offs to loans2.2479%800
Credit loss provision to net charge-offs107.0628%4,310
Earnings coverage of net charge-offs (x)0.0766%5,600
Efficiency ratio96.0637%1,371
Assets per employee ($millions)6.4292%992
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.9489%1,676
Loan loss allowance to noncurrent loans62.9010%4,308
Noncurrent assets plus other real estate owned to assets2.5365%2,536
Noncurrent loans to loans3.0983%2,310
Net loans and leases to total assets69.9765%3,711
Net loans and leases to deposits83.9325%3,890
Net loans and leases to core deposits118.2438%2,528
Total domestic deposits to total assets83.3723%4,079
Equity capital to assets7.7296%7,041
Core capital (leverage) ratio8.1788%6,015
Tier 1 risk-based capital ratio9.7025%7,228
Total risk-based capital ratio13.3306%4,769
Memoranda:
Average total assets$905,947,670778
Average earning assets$816,644,000781
Average equity$67,296,6701,001
Average total loans$682,759,670722
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5036%4,893
Cost of funding earning assets1.5752%6,138
Net interest margin3.9285%2,936
Noninterest income to average assets-0.4485%8,191
Noninterest expense to average assets2.9916%3,805
Loan and lease loss provision to assets2.5016%464
Net operating income to assets-1.6305%7,551
Return on assets (ROA)-1.8117%7,612
Pretax return on assets-2.6818%7,697
Return on Equity (ROE)-24.9458%7,843
Retained earnings to average equity (ytd only)-24.9458%7,768
Net charge-offs to loans2.4741%571
Credit loss provision to net charge-offs130.3614%3,079
Earnings coverage of net charge-offs (x)0.0449%4,941
Efficiency ratio97.1983%1,260
Assets per employee ($millions)5.9086%1,251
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.0745%1,282
Loan loss allowance to noncurrent loans68.1518%4,171
Noncurrent assets plus other real estate owned to assets2.6778%2,131
Noncurrent loans to loans3.0439%2,143
Net loans and leases to total assets75.3598%2,413
Net loans and leases to deposits91.1149%2,755
Net loans and leases to core deposits123.5067%2,112
Total domestic deposits to total assets82.7086%4,284
Equity capital to assets7.2728%7,512
Core capital (leverage) ratio7.5992%7,028
Tier 1 risk-based capital ratio8.3808%7,963
Total risk-based capital ratio11.9820%6,064
Memoranda:
Average total assets$876,735,000803
Average earning assets$786,969,500810
Average equity$63,674,0001,071
Average total loans$680,016,000730
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2405%4,297
Cost of funding earning assets2.1647%5,760
Net interest margin4.0758%2,806
Noninterest income to average assets0.6893%3,189
Noninterest expense to average assets3.0871%3,752
Loan and lease loss provision to assets1.1498%1,269
Net operating income to assets0.1383%6,007
Return on assets (ROA)-1.2465%7,306
Pretax return on assets-2.0698%7,457
Return on Equity (ROE)-18.0153%7,713
Retained earnings to average equity (ytd only)-18.0153%7,622
Net charge-offs to loans0.5404%2,208
Credit loss provision to net charge-offs282.0597%1,618
Earnings coverage of net charge-offs (x)3.0510%4,560
Efficiency ratio71.2821%4,068
Assets per employee ($millions)5.7812%1,276
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.8986%1,419
Loan loss allowance to noncurrent loans81.2062%4,079
Noncurrent assets plus other real estate owned to assets2.2989%2,115
Noncurrent loans to loans2.3380%2,364
Net loans and leases to total assets76.6974%2,450
Net loans and leases to deposits97.8346%2,150
Net loans and leases to core deposits125.8354%2,173
Total domestic deposits to total assets78.3949%5,584
Equity capital to assets7.2522%7,587
Core capital (leverage) ratio7.3089%7,406
Tier 1 risk-based capital ratio8.2262%8,044
Total risk-based capital ratio11.8313%6,026
Memoranda:
Average total assets$821,818,000829
Average earning assets$734,241,400830
Average equity$56,862,8001,180
Average total loans$619,937,600770