Home > Zions Bancorporation, N.A. > Performance and Condition Ratios

Zions Bancorporation, N.A., Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7862%4,220
Cost of funding earning assets0.0722%4,574
Net interest margin2.7140%3,846
Noninterest income to average assets0.8063%1,430
Noninterest expense to average assets1.9998%3,677
Loan and lease loss provision to assets-0.3165%4,782
Net operating income to assets1.2965%1,611
Return on assets (ROA)1.2966%1,658
Pretax return on assets1.6608%1,239
Return on Equity (ROE)14.4396%1,079
Retained earnings to average equity (ytd only)11.1036%683
Net charge-offs to loans0.0108%2,155
Credit loss provision to net charge-offs-4,564.9238%4,157
Earnings coverage of net charge-offs (x)207.4245%527
Efficiency ratio59.7742%3,187
Assets per employee ($millions)9.3134%837
Cash dividends to net income (ytd only)*23.1032%2,889
Condition Ratios (%)
Loss allowance to loans1.0079%3,714
Loan loss allowance to noncurrent loans184.3922%2,718
Noncurrent assets plus other real estate owned to assets0.2991%2,041
Noncurrent loans to loans0.5466%1,756
Net loans and leases to total assets54.0990%2,841
Net loans and leases to deposits60.9017%2,999
Net loans and leases to core deposits61.5629%3,202
Total domestic deposits to total assets88.8301%1,603
Equity capital to assets8.0067%4,358
Core capital (leverage) ratio7.1576%4,715
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8377%2,693
Memoranda:
Average total assets$87,062,914,60039
Average earning assets$81,406,624,20038
Average equity$7,817,578,80039
Average total loans$52,049,456,00035
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8420%4,245
Cost of funding earning assets0.0763%4,654
Net interest margin2.7656%3,854
Noninterest income to average assets0.7967%1,536
Noninterest expense to average assets2.0141%3,626
Loan and lease loss provision to assets-0.4686%4,878
Net operating income to assets1.4268%1,454
Return on assets (ROA)1.4269%1,521
Pretax return on assets1.8339%1,084
Return on Equity (ROE)15.4360%1,055
Retained earnings to average equity (ytd only)12.1170%816
Net charge-offs to loans0.0131%1,840
Credit loss provision to net charge-offs-5,429.0923%4,140
Earnings coverage of net charge-offs (x)169.8452%618
Efficiency ratio59.5730%3,052
Assets per employee ($millions)9.1594%843
Cash dividends to net income (ytd only)*21.5015%2,476
Condition Ratios (%)
Loss allowance to loans0.9685%3,944
Loan loss allowance to noncurrent loans150.3630%2,904
Noncurrent assets plus other real estate owned to assets0.3712%1,962
Noncurrent loans to loans0.6441%1,699
Net loans and leases to total assets56.9073%2,624
Net loans and leases to deposits64.5228%2,793
Net loans and leases to core deposits65.3006%3,013
Total domestic deposits to total assets88.1973%1,719
Equity capital to assets8.8036%3,997
Core capital (leverage) ratio7.6392%4,647
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5747%2,521
Memoranda:
Average total assets$85,528,726,00040
Average earning assets$79,868,088,75040
Average equity$7,906,411,50040
Average total loans$52,328,457,75035
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8674%4,264
Cost of funding earning assets0.0808%4,695
Net interest margin2.7865%3,810
Noninterest income to average assets0.8818%1,321
Noninterest expense to average assets2.0403%3,575
Loan and lease loss provision to assets-0.6027%4,923
Net operating income to assets1.5970%1,056
Return on assets (ROA)1.5971%1,112
Pretax return on assets2.0472%757
Return on Equity (ROE)16.9952%782
Retained earnings to average equity (ytd only)13.7406%589
Net charge-offs to loans0.0251%1,441
Credit loss provision to net charge-offs-3,540.8879%3,931
Earnings coverage of net charge-offs (x)91.9470%785
Efficiency ratio58.5230%3,210
Assets per employee ($millions)8.9656%871
Cash dividends to net income (ytd only)*19.1499%2,553
Condition Ratios (%)
Loss allowance to loans1.0388%3,681
Loan loss allowance to noncurrent loans170.9904%2,675
Noncurrent assets plus other real estate owned to assets0.3601%2,162
Noncurrent loans to loans0.6075%1,887
Net loans and leases to total assets58.4001%2,607
Net loans and leases to deposits66.9198%2,732
Net loans and leases to core deposits67.8753%2,971
Total domestic deposits to total assets87.2689%2,185
Equity capital to assets9.2107%3,597
Core capital (leverage) ratio8.0400%4,402
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1639%2,302
Memoranda:
Average total assets$84,602,882,66740
Average earning assets$79,028,769,00039
Average equity$7,950,501,33340
Average total loans$52,856,544,33334
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8925%4,269
Cost of funding earning assets0.0872%4,711
Net interest margin2.8054%3,755
Noninterest income to average assets0.8063%1,569
Noninterest expense to average assets2.0886%3,461
Loan and lease loss provision to assets-0.6318%4,941
Net operating income to assets1.5445%1,226
Return on assets (ROA)1.5447%1,295
Pretax return on assets1.9717%993
Return on Equity (ROE)16.2680%968
Retained earnings to average equity (ytd only)13.0404%905
Net charge-offs to loans0.0623%908
Credit loss provision to net charge-offs-1,465.4598%3,463
Earnings coverage of net charge-offs (x)33.4453%1,054
Efficiency ratio60.8954%2,919
Assets per employee ($millions)8.7917%890
Cash dividends to net income (ytd only)*19.8400%2,009
Condition Ratios (%)
Loss allowance to loans1.2063%2,900
Loan loss allowance to noncurrent loans194.2970%2,420
Noncurrent assets plus other real estate owned to assets0.3947%2,223
Noncurrent loans to loans0.6209%2,012
Net loans and leases to total assets62.1501%2,273
Net loans and leases to deposits71.6322%2,348
Net loans and leases to core deposits72.7622%2,637
Total domestic deposits to total assets86.7628%2,417
Equity capital to assets9.3197%3,369
Core capital (leverage) ratio8.2672%4,332
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5258%2,075
Memoranda:
Average total assets$83,300,121,00040
Average earning assets$77,851,213,00040
Average equity$7,909,501,00040
Average total loans$53,552,602,50033
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3921%4,203
Cost of funding earning assets0.2185%4,512
Net interest margin3.1736%3,425
Noninterest income to average assets0.7563%1,669
Noninterest expense to average assets2.2969%3,406
Loan and lease loss provision to assets0.5099%472
Net operating income to assets0.7146%3,385
Return on assets (ROA)0.7150%3,517
Pretax return on assets0.8916%3,387
Return on Equity (ROE)7.1007%3,172
Retained earnings to average equity (ytd only)3.6892%2,986
Net charge-offs to loans0.1998%865
Credit loss provision to net charge-offs366.5141%1,534
Earnings coverage of net charge-offs (x)10.0673%2,488
Efficiency ratio62.1041%3,108
Assets per employee ($millions)8.4190%908
Cash dividends to net income (ytd only)*48.0440%1,942
Condition Ratios (%)
Loss allowance to loans1.4499%1,777
Loan loss allowance to noncurrent loans204.6077%2,309
Noncurrent assets plus other real estate owned to assets0.4707%2,149
Noncurrent loans to loans0.7086%1,924
Net loans and leases to total assets64.7771%2,262
Net loans and leases to deposits75.7752%2,303
Net loans and leases to core deposits77.3994%2,605
Total domestic deposits to total assets85.4860%2,579
Equity capital to assets9.6785%3,432
Core capital (leverage) ratio8.3407%4,369
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0731%2,210
Memoranda:
Average total assets$75,384,395,20039
Average earning assets$69,870,296,20039
Average equity$7,590,981,80039
Average total loans$52,505,851,80032
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5084%4,198
Cost of funding earning assets0.2571%4,486
Net interest margin3.2513%3,331
Noninterest income to average assets0.7005%1,802
Noninterest expense to average assets2.3726%3,209
Loan and lease loss provision to assets0.8043%225
Net operating income to assets0.4339%4,196
Return on assets (ROA)0.4600%4,215
Pretax return on assets0.5649%4,165
Return on Equity (ROE)4.5200%4,023
Retained earnings to average equity (ytd only)1.0929%4,226
Net charge-offs to loans0.2279%671
Credit loss provision to net charge-offs499.0480%1,291
Earnings coverage of net charge-offs (x)8.2950%2,509
Efficiency ratio63.9552%2,741
Assets per employee ($millions)8.0573%972
Cash dividends to net income (ytd only)*75.8215%678
Condition Ratios (%)
Loss allowance to loans1.5561%1,214
Loan loss allowance to noncurrent loans228.0258%1,990
Noncurrent assets plus other real estate owned to assets0.4847%2,259
Noncurrent loans to loans0.6824%2,086
Net loans and leases to total assets68.8904%2,121
Net loans and leases to deposits80.4553%2,272
Net loans and leases to core deposits83.2531%2,559
Total domestic deposits to total assets85.6258%2,209
Equity capital to assets9.7867%3,444
Core capital (leverage) ratio8.2969%4,467
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7475%2,304
Memoranda:
Average total assets$73,860,650,00038
Average earning assets$68,356,084,75039
Average equity$7,517,235,50039
Average total loans$52,243,181,50032
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6423%4,191
Cost of funding earning assets0.3167%4,408
Net interest margin3.3256%3,321
Noninterest income to average assets0.6416%1,970
Noninterest expense to average assets2.3824%3,299
Loan and lease loss provision to assets1.1074%172
Net operating income to assets0.1837%4,594
Return on assets (ROA)0.2216%4,583
Pretax return on assets0.2714%4,569
Return on Equity (ROE)2.1476%4,504
Retained earnings to average equity (ytd only)-1.3216%4,520
Net charge-offs to loans0.1472%982
Credit loss provision to net charge-offs1,059.7328%761
Earnings coverage of net charge-offs (x)12.7537%2,033
Efficiency ratio64.1291%2,807
Assets per employee ($millions)7.7541%1,060
Cash dividends to net income (ytd only)*161.5390%165
Condition Ratios (%)
Loss allowance to loans1.5566%1,110
Loan loss allowance to noncurrent loans242.4727%1,847
Noncurrent assets plus other real estate owned to assets0.4706%2,435
Noncurrent loans to loans0.6420%2,261
Net loans and leases to total assets71.1264%1,853
Net loans and leases to deposits82.7814%2,112
Net loans and leases to core deposits85.8725%2,448
Total domestic deposits to total assets85.9207%2,044
Equity capital to assets9.9084%3,278
Core capital (leverage) ratio8.3753%4,500
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5038%2,396
Memoranda:
Average total assets$72,361,916,33338
Average earning assets$66,875,141,33339
Average equity$7,466,802,66739
Average total loans$51,379,704,66732
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8416%4,150
Cost of funding earning assets0.4560%4,132
Net interest margin3.3856%3,341
Noninterest income to average assets0.6653%1,785
Noninterest expense to average assets2.4205%3,494
Loan and lease loss provision to assets1.3657%123
Net operating income to assets0.0010%4,752
Return on assets (ROA)0.0792%4,672
Pretax return on assets0.0930%4,669
Return on Equity (ROE)0.7516%4,659
Retained earnings to average equity (ytd only)-2.6916%4,323
Net charge-offs to loans0.0534%1,476
Credit loss provision to net charge-offs3,636.1557%219
Earnings coverage of net charge-offs (x)36.3922%1,070
Efficiency ratio63.9125%3,246
Assets per employee ($millions)7.2342%985
Cash dividends to net income (ytd only)*458.1090%55
Condition Ratios (%)
Loss allowance to loans1.4588%1,494
Loan loss allowance to noncurrent loans258.3336%1,721
Noncurrent assets plus other real estate owned to assets0.4040%2,837
Noncurrent loans to loans0.5647%2,586
Net loans and leases to total assets69.0349%2,391
Net loans and leases to deposits85.7765%2,030
Net loans and leases to core deposits90.0873%2,333
Total domestic deposits to total assets80.4823%3,765
Equity capital to assets10.4558%3,362
Core capital (leverage) ratio9.0116%4,452
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2369%2,600
Memoranda:
Average total assets$70,319,200,50039
Average earning assets$64,840,544,00039
Average equity$7,412,838,00039
Average total loans$49,452,547,50032
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1975%3,816
Cost of funding earning assets0.6415%3,451
Net interest margin3.5560%3,267
Noninterest income to average assets0.8107%1,422
Noninterest expense to average assets2.5130%3,411
Loan and lease loss provision to assets0.0532%2,968
Net operating income to assets1.1842%2,120
Return on assets (ROA)1.1741%2,256
Pretax return on assets1.5146%1,762
Return on Equity (ROE)10.8443%1,950
Retained earnings to average equity (ytd only)7.3734%1,217
Net charge-offs to loans0.0780%1,984
Credit loss provision to net charge-offs98.4152%2,529
Earnings coverage of net charge-offs (x)29.2155%1,609
Efficiency ratio61.3708%3,482
Assets per employee ($millions)6.7895%1,131
Cash dividends to net income (ytd only)*32.0066%2,994
Condition Ratios (%)
Loss allowance to loans1.0130%3,422
Loan loss allowance to noncurrent loans195.4797%2,130
Noncurrent assets plus other real estate owned to assets0.3767%2,905
Noncurrent loans to loans0.5182%2,630
Net loans and leases to total assets69.8884%2,415
Net loans and leases to deposits84.6851%2,248
Net loans and leases to core deposits90.4514%2,380
Total domestic deposits to total assets82.5274%3,351
Equity capital to assets10.6305%3,327
Core capital (leverage) ratio9.1715%4,378
Tier 1 risk-based capital ratio11.2150%4,767
Total risk-based capital ratio13.2250%4,252
Memoranda:
Average total assets$69,507,509,80037
Average earning assets$64,171,973,40037
Average equity$7,525,435,80038
Average total loans$48,203,673,80032
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2405%3,829
Cost of funding earning assets0.6717%3,346
Net interest margin3.5688%3,337
Noninterest income to average assets0.7935%1,436
Noninterest expense to average assets2.4495%3,570
Loan and lease loss provision to assets0.0564%2,774
Net operating income to assets1.2252%2,108
Return on assets (ROA)1.2120%2,228
Pretax return on assets1.5663%1,758
Return on Equity (ROE)11.1440%1,958
Retained earnings to average equity (ytd only)7.7208%1,530
Net charge-offs to loans0.0414%2,269
Credit loss provision to net charge-offs197.1392%1,329
Earnings coverage of net charge-offs (x)57.3288%1,089
Efficiency ratio59.8841%3,673
Assets per employee ($millions)6.8611%1,086
Cash dividends to net income (ytd only)*30.7182%2,575
Condition Ratios (%)
Loss allowance to loans1.0410%3,342
Loan loss allowance to noncurrent loans212.3051%2,009
Noncurrent assets plus other real estate owned to assets0.3464%3,125
Noncurrent loans to loans0.4903%2,825
Net loans and leases to total assets68.8816%2,644
Net loans and leases to deposits86.3314%2,159
Net loans and leases to core deposits91.8776%2,381
Total domestic deposits to total assets79.7874%4,029
Equity capital to assets10.6719%3,401
Core capital (leverage) ratio9.3020%4,363
Tier 1 risk-based capital ratio11.4329%4,702
Total risk-based capital ratio12.6024%4,643
Memoranda:
Average total assets$69,591,499,25038
Average earning assets$64,260,578,00038
Average equity$7,568,482,00038
Average total loans$48,045,181,00033
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2532%3,783
Cost of funding earning assets0.6666%3,329
Net interest margin3.5867%3,309
Noninterest income to average assets0.7517%1,517
Noninterest expense to average assets2.4763%3,554
Loan and lease loss provision to assets0.0631%2,559
Net operating income to assets1.1864%2,198
Return on assets (ROA)1.1866%2,261
Pretax return on assets1.5294%1,761
Return on Equity (ROE)10.8418%2,044
Retained earnings to average equity (ytd only)7.4859%1,607
Net charge-offs to loans0.0575%1,826
Credit loss provision to net charge-offs159.6004%1,430
Earnings coverage of net charge-offs (x)40.2550%1,240
Efficiency ratio60.8347%3,606
Assets per employee ($millions)6.7859%1,096
Cash dividends to net income (ytd only)*30.9530%2,591
Condition Ratios (%)
Loss allowance to loans1.0334%3,426
Loan loss allowance to noncurrent loans190.0770%2,218
Noncurrent assets plus other real estate owned to assets0.3849%2,963
Noncurrent loans to loans0.5437%2,639
Net loans and leases to total assets68.8211%2,702
Net loans and leases to deposits88.7488%1,899
Net loans and leases to core deposits94.5514%2,200
Total domestic deposits to total assets77.5460%4,473
Equity capital to assets10.8458%3,230
Core capital (leverage) ratio9.5083%4,134
Tier 1 risk-based capital ratio11.8078%4,517
Total risk-based capital ratio12.9789%4,459
Memoranda:
Average total assets$69,335,051,00038
Average earning assets$64,121,141,67038
Average equity$7,588,361,67037
Average total loans$47,735,082,00033
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2400%3,745
Cost of funding earning assets0.6210%3,456
Net interest margin3.6190%3,184
Noninterest income to average assets0.7582%1,407
Noninterest expense to average assets2.5130%3,465
Loan and lease loss provision to assets0.0107%3,295
Net operating income to assets1.2329%1,937
Return on assets (ROA)1.2331%1,985
Pretax return on assets1.5855%1,513
Return on Equity (ROE)11.2159%1,860
Retained earnings to average equity (ytd only)7.8672%1,716
Net charge-offs to loans0.0028%2,652
Credit loss provision to net charge-offs565.5385%563
Earnings coverage of net charge-offs (x)846.6554%71
Efficiency ratio61.1271%3,661
Assets per employee ($millions)6.7811%1,099
Cash dividends to net income (ytd only)*29.8568%2,237
Condition Ratios (%)
Loss allowance to loans1.0421%3,447
Loan loss allowance to noncurrent loans205.3428%2,136
Noncurrent assets plus other real estate owned to assets0.3586%3,167
Noncurrent loans to loans0.5075%2,789
Net loans and leases to total assets68.1816%2,736
Net loans and leases to deposits86.5097%2,068
Net loans and leases to core deposits92.2830%2,276
Total domestic deposits to total assets78.8139%4,382
Equity capital to assets10.9656%2,887
Core capital (leverage) ratio9.8732%3,735
Tier 1 risk-based capital ratio12.2965%4,301
Total risk-based capital ratio13.4770%4,205
Memoranda:
Average total assets$68,970,211,50039
Average earning assets$63,856,170,50039
Average equity$7,583,004,50038
Average total loans$47,241,220,50034
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0238%3,956
Cost of funding earning assets0.4041%3,962
Net interest margin3.6196%3,310
Noninterest income to average assets0.8083%1,419
Noninterest expense to average assets2.5107%3,585
Loan and lease loss provision to assets-0.0578%5,214
Net operating income to assets1.3236%1,704
Return on assets (ROA)1.3237%1,697
Pretax return on assets1.7117%1,136
Return on Equity (ROE)11.6780%1,832
Retained earnings to average equity (ytd only)8.5568%1,027
Net charge-offs to loans-0.0356%4,868
Credit loss provision to net charge-offs238.4013%1,240
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.2337%3,817
Assets per employee ($millions)6.7391%1,096
Cash dividends to net income (ytd only)*26.7275%3,184
Condition Ratios (%)
Loss allowance to loans1.0582%3,332
Loan loss allowance to noncurrent loans189.3035%2,331
Noncurrent assets plus other real estate owned to assets0.3871%3,014
Noncurrent loans to loans0.5590%2,599
Net loans and leases to total assets67.3674%2,954
Net loans and leases to deposits85.6045%2,328
Net loans and leases to core deposits90.3667%2,545
Total domestic deposits to total assets78.6962%4,369
Equity capital to assets11.0238%2,664
Core capital (leverage) ratio10.2675%3,285
Tier 1 risk-based capital ratio12.7094%4,008
Total risk-based capital ratio13.9014%3,931
Memoranda:
Average total assets$66,822,635,20039
Average earning assets$61,956,997,20039
Average equity$7,574,303,60037
Average total loans$45,597,894,20035
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9755%4,003
Cost of funding earning assets0.3698%4,047
Net interest margin3.6057%3,346
Noninterest income to average assets0.8079%1,445
Noninterest expense to average assets2.5293%3,505
Loan and lease loss provision to assets-0.0925%5,343
Net operating income to assets1.3225%1,771
Return on assets (ROA)1.3226%1,779
Pretax return on assets1.7151%1,239
Return on Equity (ROE)11.5860%1,962
Retained earnings to average equity (ytd only)8.6009%1,376
Net charge-offs to loans-0.0234%4,675
Credit loss provision to net charge-offs579.8162%617
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.8645%3,678
Assets per employee ($millions)6.5790%1,146
Cash dividends to net income (ytd only)*25.7650%2,759
Condition Ratios (%)
Loss allowance to loans1.0457%3,492
Loan loss allowance to noncurrent loans159.7074%2,638
Noncurrent assets plus other real estate owned to assets0.4561%2,865
Noncurrent loans to loans0.6547%2,446
Net loans and leases to total assets68.0217%2,933
Net loans and leases to deposits84.3943%2,550
Net loans and leases to core deposits89.1369%2,735
Total domestic deposits to total assets80.5999%3,978
Equity capital to assets11.3189%2,386
Core capital (leverage) ratio10.5071%3,078
Tier 1 risk-based capital ratio13.1391%3,821
Total risk-based capital ratio14.6343%3,613
Memoranda:
Average total assets$66,341,857,75039
Average earning assets$61,525,231,50039
Average equity$7,573,275,25037
Average total loans$45,295,475,25035
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9049%4,071
Cost of funding earning assets0.3050%4,382
Net interest margin3.5999%3,311
Noninterest income to average assets0.8064%1,457
Noninterest expense to average assets2.4767%3,690
Loan and lease loss provision to assets-0.1054%5,427
Net operating income to assets1.3691%1,541
Return on assets (ROA)1.3692%1,544
Pretax return on assets1.7756%1,021
Return on Equity (ROE)11.9603%1,741
Retained earnings to average equity (ytd only)2.6912%4,173
Net charge-offs to loans-0.0296%4,731
Credit loss provision to net charge-offs521.9596%686
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.6687%3,981
Assets per employee ($millions)6.5289%1,167
Cash dividends to net income (ytd only)*77.4989%765
Condition Ratios (%)
Loss allowance to loans1.0804%3,383
Loan loss allowance to noncurrent loans140.8328%2,885
Noncurrent assets plus other real estate owned to assets0.5316%2,638
Noncurrent loans to loans0.7671%2,201
Net loans and leases to total assets67.6544%2,919
Net loans and leases to deposits83.0914%2,637
Net loans and leases to core deposits87.6060%2,757
Total domestic deposits to total assets81.4218%3,887
Equity capital to assets11.3968%2,269
Core capital (leverage) ratio10.4448%3,086
Tier 1 risk-based capital ratio13.2014%3,791
Total risk-based capital ratio14.2568%3,810
Memoranda:
Average total assets$66,212,234,33039
Average earning assets$61,438,793,67039
Average equity$7,579,964,33037
Average total loans$45,103,621,00035
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8485%4,088
Cost of funding earning assets0.2698%4,577
Net interest margin3.5786%3,256
Noninterest income to average assets0.8083%1,427
Noninterest expense to average assets2.4207%3,891
Loan and lease loss provision to assets-0.2411%5,561
Net operating income to assets1.5011%1,076
Return on assets (ROA)1.5012%1,076
Pretax return on assets1.9516%641
Return on Equity (ROE)13.0839%1,238
Retained earnings to average equity (ytd only)4.2248%3,500
Net charge-offs to loans0.0464%1,657
Credit loss provision to net charge-offs-765.0240%4,116
Earnings coverage of net charge-offs (x)54.2709%902
Efficiency ratio58.5394%4,281
Assets per employee ($millions)6.5945%1,151
Cash dividends to net income (ytd only)*67.7098%1,065
Condition Ratios (%)
Loss allowance to loans1.0463%3,687
Loan loss allowance to noncurrent loans117.3402%3,160
Noncurrent assets plus other real estate owned to assets0.6147%2,466
Noncurrent loans to loans0.8917%2,043
Net loans and leases to total assets67.4200%2,834
Net loans and leases to deposits83.8045%2,405
Net loans and leases to core deposits87.7352%2,653
Total domestic deposits to total assets80.4491%4,335
Equity capital to assets11.4252%2,197
Core capital (leverage) ratio10.4413%3,017
Tier 1 risk-based capital ratio13.2049%3,846
Total risk-based capital ratio14.2181%3,865
Memoranda:
Average total assets$66,190,927,50037
Average earning assets$61,457,369,50038
Average equity$7,594,479,00036
Average total loans$44,998,478,50034
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6464%4,461
Cost of funding earning assets0.1710%5,149
Net interest margin3.4754%3,606
Noninterest income to average assets0.7758%1,660
Noninterest expense to average assets2.4839%3,838
Loan and lease loss provision to assets0.0370%3,529
Net operating income to assets0.8974%2,726
Return on assets (ROA)0.9199%2,625
Pretax return on assets1.5124%1,591
Return on Equity (ROE)7.8441%2,865
Retained earnings to average equity (ytd only)0.1520%4,950
Net charge-offs to loans0.1690%1,461
Credit loss provision to net charge-offs32.6124%3,513
Earnings coverage of net charge-offs (x)13.3345%2,404
Efficiency ratio61.8792%3,956
Assets per employee ($millions)6.5988%1,150
Cash dividends to net income (ytd only)*98.0621%389
Condition Ratios (%)
Loss allowance to loans1.1551%3,026
Loan loss allowance to noncurrent loans118.7060%3,223
Noncurrent assets plus other real estate owned to assets0.6656%2,317
Noncurrent loans to loans0.9731%1,816
Net loans and leases to total assets67.0488%2,958
Net loans and leases to deposits83.6026%2,536
Net loans and leases to core deposits86.7244%2,853
Total domestic deposits to total assets80.1994%4,300
Equity capital to assets11.5222%2,189
Core capital (leverage) ratio10.4285%2,932
Tier 1 risk-based capital ratio13.1197%3,837
Total risk-based capital ratio14.2419%3,805
Memoranda:
Average total assets$65,024,542,40037
Average earning assets$60,291,311,20037
Average equity$7,626,007,20035
Average total loans$43,695,664,40033
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6284%4,496
Cost of funding earning assets0.1597%5,253
Net interest margin3.4687%3,605
Noninterest income to average assets0.7576%1,745
Noninterest expense to average assets2.4853%3,787
Loan and lease loss provision to assets0.0731%2,608
Net operating income to assets0.9392%2,833
Return on assets (ROA)0.9713%2,739
Pretax return on assets1.4636%1,904
Return on Equity (ROE)8.2455%2,996
Retained earnings to average equity (ytd only)0.8450%5,024
Net charge-offs to loans0.1916%1,106
Credit loss provision to net charge-offs56.8923%2,840
Earnings coverage of net charge-offs (x)11.5869%2,493
Efficiency ratio62.2848%3,835
Assets per employee ($millions)6.5561%1,150
Cash dividends to net income (ytd only)*89.7514%445
Condition Ratios (%)
Loss allowance to loans1.2224%2,788
Loan loss allowance to noncurrent loans109.2236%3,370
Noncurrent assets plus other real estate owned to assets0.7616%2,230
Noncurrent loans to loans1.1192%1,717
Net loans and leases to total assets66.8078%3,003
Net loans and leases to deposits83.2315%2,635
Net loans and leases to core deposits85.9462%2,976
Total domestic deposits to total assets80.2675%4,265
Equity capital to assets11.7618%2,144
Core capital (leverage) ratio10.4839%3,007
Tier 1 risk-based capital ratio13.2021%3,875
Total risk-based capital ratio14.3795%3,829
Memoranda:
Average total assets$64,760,550,25037
Average earning assets$60,036,908,00037
Average equity$7,629,026,75035
Average total loans$43,413,592,00033
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5944%4,526
Cost of funding earning assets0.1439%5,373
Net interest margin3.4505%3,589
Noninterest income to average assets0.7434%1,798
Noninterest expense to average assets2.4747%3,832
Loan and lease loss provision to assets0.0929%2,133
Net operating income to assets0.9201%2,807
Return on assets (ROA)0.9518%2,706
Pretax return on assets1.4217%1,930
Return on Equity (ROE)8.0754%2,983
Retained earnings to average equity (ytd only)0.8912%4,866
Net charge-offs to loans0.2475%827
Credit loss provision to net charge-offs56.1650%2,492
Earnings coverage of net charge-offs (x)8.8685%2,477
Efficiency ratio62.5085%3,906
Assets per employee ($millions)6.5231%1,141
Cash dividends to net income (ytd only)*88.9642%643
Condition Ratios (%)
Loss allowance to loans1.2441%2,732
Loan loss allowance to noncurrent loans107.8560%3,432
Noncurrent assets plus other real estate owned to assets0.7787%2,260
Noncurrent loans to loans1.1535%1,695
Net loans and leases to total assets66.1681%3,077
Net loans and leases to deposits81.8265%2,715
Net loans and leases to core deposits84.6269%2,998
Total domestic deposits to total assets80.8639%4,214
Equity capital to assets11.7671%2,103
Core capital (leverage) ratio10.4277%2,996
Tier 1 risk-based capital ratio13.2829%3,811
Total risk-based capital ratio14.4855%3,762
Memoranda:
Average total assets$64,550,502,67037
Average earning assets$59,837,307,33037
Average equity$7,608,335,67035
Average total loans$43,142,544,00033
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4740%4,765
Cost of funding earning assets0.1257%5,525
Net interest margin3.3482%3,851
Noninterest income to average assets0.7402%1,782
Noninterest expense to average assets2.4963%3,820
Loan and lease loss provision to assets0.1457%1,280
Net operating income to assets0.8103%3,173
Return on assets (ROA)0.8430%3,071
Pretax return on assets1.2491%2,417
Return on Equity (ROE)7.1458%3,344
Retained earnings to average equity (ytd only)-0.1521%4,941
Net charge-offs to loans0.4364%419
Credit loss provision to net charge-offs50.0171%1,980
Earnings coverage of net charge-offs (x)4.6207%2,367
Efficiency ratio64.6855%3,710
Assets per employee ($millions)6.5799%1,144
Cash dividends to net income (ytd only)*102.1291%675
Condition Ratios (%)
Loss allowance to loans1.2693%2,690
Loan loss allowance to noncurrent loans88.3997%3,830
Noncurrent assets plus other real estate owned to assets0.9477%1,938
Noncurrent loans to loans1.4359%1,405
Net loans and leases to total assets64.8189%3,142
Net loans and leases to deposits78.4292%2,923
Net loans and leases to core deposits80.9074%3,208
Total domestic deposits to total assets82.6464%3,962
Equity capital to assets11.6079%2,107
Core capital (leverage) ratio10.5952%2,795
Tier 1 risk-based capital ratio13.3470%3,858
Total risk-based capital ratio14.5576%3,803
Memoranda:
Average total assets$64,187,320,50037
Average earning assets$59,470,503,00037
Average equity$7,571,909,00035
Average total loans$42,845,542,00033
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5228%4,726
Cost of funding earning assets0.0921%5,737
Net interest margin3.4306%3,710
Noninterest income to average assets0.8146%1,694
Noninterest expense to average assets2.5939%3,688
Loan and lease loss provision to assets0.1539%1,626
Net operating income to assets0.8129%3,244
Return on assets (ROA)0.8193%3,314
Pretax return on assets1.2467%2,487
Return on Equity (ROE)6.5695%3,706
Retained earnings to average equity (ytd only)3.0652%3,717
Net charge-offs to loans0.3119%882
Credit loss provision to net charge-offs70.5867%3,131
Earnings coverage of net charge-offs (x)6.3789%3,182
Efficiency ratio64.7665%3,806
Assets per employee ($millions)6.3476%1,234
Cash dividends to net income (ytd only)*53.3417%2,110
Condition Ratios (%)
Loss allowance to loans1.3253%2,401
Loan loss allowance to noncurrent loans93.8818%3,755
Noncurrent assets plus other real estate owned to assets0.9651%1,959
Noncurrent loans to loans1.4117%1,440
Net loans and leases to total assets66.9883%2,933
Net loans and leases to deposits78.5106%3,043
Net loans and leases to core deposits80.5526%3,345
Total domestic deposits to total assets85.3240%2,912
Equity capital to assets11.9919%1,814
Core capital (leverage) ratio10.9912%2,345
Tier 1 risk-based capital ratio13.3554%3,854
Total risk-based capital ratio14.6056%3,765
Memoranda:
Average total assets$60,214,636,80038
Average earning assets$55,644,535,20037
Average equity$7,509,354,40036
Average total loans$42,097,837,00034
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5338%4,720
Cost of funding earning assets0.0910%5,807
Net interest margin3.4428%3,695
Noninterest income to average assets0.8325%1,638
Noninterest expense to average assets2.6088%3,631
Loan and lease loss provision to assets0.2138%980
Net operating income to assets0.7793%3,461
Return on assets (ROA)0.7847%3,575
Pretax return on assets1.1991%2,844
Return on Equity (ROE)6.2287%3,961
Retained earnings to average equity (ytd only)4.0052%3,450
Net charge-offs to loans0.3318%696
Credit loss provision to net charge-offs91.4718%2,509
Earnings coverage of net charge-offs (x)6.0088%3,048
Efficiency ratio64.6680%3,827
Assets per employee ($millions)6.1818%1,312
Cash dividends to net income (ytd only)*35.6968%2,556
Condition Ratios (%)
Loss allowance to loans1.3985%2,210
Loan loss allowance to noncurrent loans98.2673%3,656
Noncurrent assets plus other real estate owned to assets1.0102%2,044
Noncurrent loans to loans1.4232%1,528
Net loans and leases to total assets69.1569%2,614
Net loans and leases to deposits81.9589%2,740
Net loans and leases to core deposits83.9317%3,127
Total domestic deposits to total assets84.1849%3,153
Equity capital to assets12.5202%1,768
Core capital (leverage) ratio11.1870%2,279
Tier 1 risk-based capital ratio13.3651%3,944
Total risk-based capital ratio14.6163%3,857
Memoranda:
Average total assets$59,499,255,50038
Average earning assets$54,974,893,50037
Average equity$7,495,680,25035
Average total loans$41,916,996,50034
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5398%4,772
Cost of funding earning assets0.0900%5,891
Net interest margin3.4498%3,684
Noninterest income to average assets0.7939%1,739
Noninterest expense to average assets2.5980%3,729
Loan and lease loss provision to assets0.2593%731
Net operating income to assets0.7393%3,610
Return on assets (ROA)0.7396%3,768
Pretax return on assets1.1264%3,099
Return on Equity (ROE)5.8587%4,113
Retained earnings to average equity (ytd only)4.5171%3,038
Net charge-offs to loans0.3569%654
Credit loss provision to net charge-offs102.9796%2,052
Earnings coverage of net charge-offs (x)5.5008%2,847
Efficiency ratio64.8832%3,864
Assets per employee ($millions)5.9804%1,419
Cash dividends to net income (ytd only)*22.9000%3,096
Condition Ratios (%)
Loss allowance to loans1.4263%2,180
Loan loss allowance to noncurrent loans105.5262%3,597
Noncurrent assets plus other real estate owned to assets0.9812%2,183
Noncurrent loans to loans1.3516%1,662
Net loans and leases to total assets70.7105%2,365
Net loans and leases to deposits82.5296%2,646
Net loans and leases to core deposits84.1610%3,068
Total domestic deposits to total assets85.4809%2,655
Equity capital to assets12.7451%1,640
Core capital (leverage) ratio11.2047%2,229
Tier 1 risk-based capital ratio13.3285%3,998
Total risk-based capital ratio14.5801%3,915
Memoranda:
Average total assets$59,039,688,67038
Average earning assets$54,583,558,67037
Average equity$7,453,557,67035
Average total loans$41,656,515,00034
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5069%4,879
Cost of funding earning assets0.0894%5,955
Net interest margin3.4175%3,811
Noninterest income to average assets0.7646%1,758
Noninterest expense to average assets2.6383%3,624
Loan and lease loss provision to assets0.2862%571
Net operating income to assets0.6652%3,901
Return on assets (ROA)0.6653%4,019
Pretax return on assets1.0029%3,474
Return on Equity (ROE)5.2956%4,338
Retained earnings to average equity (ytd only)5.2956%2,765
Net charge-offs to loans0.3527%633
Credit loss provision to net charge-offs115.9839%1,469
Earnings coverage of net charge-offs (x)5.2229%2,348
Efficiency ratio66.8307%3,662
Assets per employee ($millions)5.8441%1,537
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.4734%2,100
Loan loss allowance to noncurrent loans105.6766%3,520
Noncurrent assets plus other real estate owned to assets1.0091%2,194
Noncurrent loans to loans1.3943%1,713
Net loans and leases to total assets70.2184%2,306
Net loans and leases to deposits81.7297%2,580
Net loans and leases to core deposits83.0261%3,041
Total domestic deposits to total assets85.5380%2,895
Equity capital to assets12.8140%1,502
Core capital (leverage) ratio11.2334%2,202
Tier 1 risk-based capital ratio13.5351%3,959
Total risk-based capital ratio14.7874%3,884
Memoranda:
Average total assets$58,833,911,00038
Average earning assets$54,447,403,50037
Average equity$7,391,773,00035
Average total loans$41,161,512,00035
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4396%5,072
Cost of funding earning assets0.0960%5,979
Net interest margin3.3436%4,136
Noninterest income to average assets0.8633%1,555
Noninterest expense to average assets2.6782%3,658
Loan and lease loss provision to assets0.0690%2,914
Net operating income to assets0.7842%3,401
Return on assets (ROA)0.7040%3,898
Pretax return on assets1.0845%3,135
Return on Equity (ROE)5.6714%4,194
Retained earnings to average equity (ytd only)2.4260%4,337
Net charge-offs to loans0.0958%2,464
Credit loss provision to net charge-offs103.5727%2,423
Earnings coverage of net charge-offs (x)19.1756%1,967
Efficiency ratio67.3124%3,694
Assets per employee ($millions)5.8942%1,470
Cash dividends to net income (ytd only)*57.2242%1,888
Condition Ratios (%)
Loss allowance to loans1.4855%2,083
Loan loss allowance to noncurrent loans158.6958%2,697
Noncurrent assets plus other real estate owned to assets0.6562%3,073
Noncurrent loans to loans0.9360%2,466
Net loans and leases to total assets67.6607%2,760
Net loans and leases to deposits78.3989%3,007
Net loans and leases to core deposits79.8736%3,363
Total domestic deposits to total assets85.8075%2,733
Equity capital to assets12.3184%1,724
Core capital (leverage) ratio10.9715%2,432
Tier 1 risk-based capital ratio13.5910%3,957
Total risk-based capital ratio14.8436%3,887
Memoranda:
Average total assets$58,048,699,80036
Average earning assets$53,675,257,40035
Average equity$7,205,689,20035
Average total loans$40,344,543,00034
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4142%5,176
Cost of funding earning assets0.1500%5,777
Net interest margin3.2642%4,473
Noninterest income to average assets1.2436%781
Noninterest expense to average assets2.8507%3,004
Loan and lease loss provision to assets-0.1321%6,041
Net operating income to assets1.0237%2,363
Return on assets (ROA)0.6942%4,034
Pretax return on assets1.0774%3,311
Return on Equity (ROE)6.7902%3,729
Retained earnings to average equity (ytd only)2.3514%4,706
Net charge-offs to loans0.0855%2,322
Credit loss provision to net charge-offs-237.3370%5,213
Earnings coverage of net charge-offs (x)25.9527%1,637
Efficiency ratio66.3734%3,821
Assets per employee ($millions)8.4051%457
Cash dividends to net income (ytd only)*65.3710%1,195
Condition Ratios (%)
Loss allowance to loans1.5525%1,956
Loan loss allowance to noncurrent loans180.0572%2,458
Noncurrent assets plus other real estate owned to assets0.5971%3,483
Noncurrent loans to loans0.8622%2,825
Net loans and leases to total assets66.1656%2,978
Net loans and leases to deposits77.0617%3,188
Net loans and leases to core deposits77.8330%3,625
Total domestic deposits to total assets85.8606%2,610
Equity capital to assets10.8047%3,233
Core capital (leverage) ratio10.7674%2,749
Tier 1 risk-based capital ratio14.1487%3,765
Total risk-based capital ratio15.4014%3,694
Memoranda:
Average total assets$18,929,789,75076
Average earning assets$17,695,763,50074
Average equity$1,935,330,00082
Average total loans$12,321,453,25076
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3613%5,309
Cost of funding earning assets0.1491%5,852
Net interest margin3.2122%4,624
Noninterest income to average assets1.1392%927
Noninterest expense to average assets2.8121%3,182
Loan and lease loss provision to assets-0.1365%6,117
Net operating income to assets0.9650%2,566
Return on assets (ROA)0.5486%4,672
Pretax return on assets0.8421%4,156
Return on Equity (ROE)5.4659%4,390
Retained earnings to average equity (ytd only)0.2515%5,431
Net charge-offs to loans0.0466%2,768
Credit loss provision to net charge-offs-455.0942%5,193
Earnings coverage of net charge-offs (x)44.2913%1,050
Efficiency ratio67.9111%3,681
Assets per employee ($millions)8.6751%410
Cash dividends to net income (ytd only)*95.3980%595
Condition Ratios (%)
Loss allowance to loans1.6459%1,756
Loan loss allowance to noncurrent loans197.3799%2,266
Noncurrent assets plus other real estate owned to assets0.5526%3,768
Noncurrent loans to loans0.8339%3,036
Net loans and leases to total assets63.5889%3,328
Net loans and leases to deposits73.5243%3,552
Net loans and leases to core deposits74.0766%3,950
Total domestic deposits to total assets86.4870%2,443
Equity capital to assets10.2043%3,802
Core capital (leverage) ratio10.3146%3,201
Tier 1 risk-based capital ratio14.0651%3,889
Total risk-based capital ratio15.3188%3,822
Memoranda:
Average total assets$19,106,783,67076
Average earning assets$17,854,310,33075
Average equity$1,917,797,33084
Average total loans$12,306,716,00078
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3122%5,417
Cost of funding earning assets0.1475%5,948
Net interest margin3.1647%4,735
Noninterest income to average assets0.9640%1,203
Noninterest expense to average assets2.6573%3,726
Loan and lease loss provision to assets-0.0967%6,205
Net operating income to assets0.8712%2,893
Return on assets (ROA)0.8619%3,063
Pretax return on assets1.3508%2,069
Return on Equity (ROE)8.6585%2,623
Retained earnings to average equity (ytd only)3.4084%3,937
Net charge-offs to loans0.1720%1,244
Credit loss provision to net charge-offs-87.4504%4,471
Earnings coverage of net charge-offs (x)11.4207%1,864
Efficiency ratio67.7803%3,861
Assets per employee ($millions)8.4992%439
Cash dividends to net income (ytd only)*60.6355%1,410
Condition Ratios (%)
Loss allowance to loans1.7023%1,731
Loan loss allowance to noncurrent loans237.4425%1,931
Noncurrent assets plus other real estate owned to assets0.4746%4,131
Noncurrent loans to loans0.7169%3,475
Net loans and leases to total assets62.8011%3,260
Net loans and leases to deposits72.4417%3,496
Net loans and leases to core deposits73.0288%3,868
Total domestic deposits to total assets86.6919%2,556
Equity capital to assets9.9776%4,174
Core capital (leverage) ratio10.1637%3,384
Tier 1 risk-based capital ratio13.6965%4,225
Total risk-based capital ratio14.9576%4,121
Memoranda:
Average total assets$19,134,953,50075
Average earning assets$17,875,846,50074
Average equity$1,904,714,00083
Average total loans$12,301,726,50076
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5528%5,203
Cost of funding earning assets0.1615%6,032
Net interest margin3.3913%4,233
Noninterest income to average assets1.1123%989
Noninterest expense to average assets2.8126%3,430
Loan and lease loss provision to assets-0.3184%6,380
Net operating income to assets1.1288%1,873
Return on assets (ROA)1.1993%1,649
Pretax return on assets1.9090%628
Return on Equity (ROE)11.9413%1,428
Retained earnings to average equity (ytd only)5.1682%2,486
Net charge-offs to loans0.1050%3,008
Credit loss provision to net charge-offs-451.0792%5,768
Earnings coverage of net charge-offs (x)20.9170%1,706
Efficiency ratio65.5738%4,320
Assets per employee ($millions)8.3423%469
Cash dividends to net income (ytd only)*56.7202%1,914
Condition Ratios (%)
Loss allowance to loans1.7714%1,593
Loan loss allowance to noncurrent loans271.2497%1,774
Noncurrent assets plus other real estate owned to assets0.4448%4,335
Noncurrent loans to loans0.6530%3,725
Net loans and leases to total assets63.5463%3,287
Net loans and leases to deposits72.8914%3,568
Net loans and leases to core deposits73.5280%3,959
Total domestic deposits to total assets87.1795%2,178
Equity capital to assets9.9305%4,203
Core capital (leverage) ratio10.5225%2,920
Tier 1 risk-based capital ratio14.0660%4,045
Total risk-based capital ratio15.2682%4,008
Memoranda:
Average total assets$18,375,824,20075
Average earning assets$17,213,377,00070
Average equity$1,845,532,60081
Average total loans$12,358,592,20072
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5759%5,208
Cost of funding earning assets0.1635%6,105
Net interest margin3.4124%4,185
Noninterest income to average assets1.0310%1,157
Noninterest expense to average assets2.8064%3,436
Loan and lease loss provision to assets-0.3797%6,502
Net operating income to assets1.1388%1,906
Return on assets (ROA)1.2031%1,738
Pretax return on assets1.9021%719
Return on Equity (ROE)11.9442%1,495
Retained earnings to average equity (ytd only)4.4532%3,482
Net charge-offs to loans0.0842%2,998
Credit loss provision to net charge-offs-663.9042%5,808
Earnings coverage of net charge-offs (x)24.8621%1,524
Efficiency ratio66.3717%4,163
Assets per employee ($millions)7.6353%600
Cash dividends to net income (ytd only)*62.7169%1,272
Condition Ratios (%)
Loss allowance to loans1.8734%1,519
Loan loss allowance to noncurrent loans299.9219%1,528
Noncurrent assets plus other real estate owned to assets0.4606%4,511
Noncurrent loans to loans0.6246%4,051
Net loans and leases to total assets67.4829%2,615
Net loans and leases to deposits77.5950%2,994
Net loans and leases to core deposits78.1924%3,517
Total domestic deposits to total assets86.9680%2,338
Equity capital to assets10.4901%3,576
Core capital (leverage) ratio10.4860%3,060
Tier 1 risk-based capital ratio13.8675%4,313
Total risk-based capital ratio15.0662%4,276
Memoranda:
Average total assets$18,200,076,50075
Average earning assets$17,053,376,00071
Average equity$1,833,262,00081
Average total loans$12,362,610,25072
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5464%5,296
Cost of funding earning assets0.1644%6,163
Net interest margin3.3821%4,249
Noninterest income to average assets1.0135%1,163
Noninterest expense to average assets2.7666%3,628
Loan and lease loss provision to assets-0.2631%6,513
Net operating income to assets1.0563%2,097
Return on assets (ROA)1.1345%1,891
Pretax return on assets1.7906%857
Return on Equity (ROE)11.4166%1,594
Retained earnings to average equity (ytd only)2.3997%4,679
Net charge-offs to loans0.0901%2,780
Credit loss provision to net charge-offs-431.4875%5,534
Earnings coverage of net charge-offs (x)23.0496%1,481
Efficiency ratio66.3136%4,312
Assets per employee ($millions)7.4285%653
Cash dividends to net income (ytd only)*78.9806%932
Condition Ratios (%)
Loss allowance to loans2.0865%1,204
Loan loss allowance to noncurrent loans216.2482%1,986
Noncurrent assets plus other real estate owned to assets0.7297%3,787
Noncurrent loans to loans0.9649%3,313
Net loans and leases to total assets69.7176%2,131
Net loans and leases to deposits79.8688%2,531
Net loans and leases to core deposits80.5840%3,149
Total domestic deposits to total assets87.2902%2,303
Equity capital to assets10.4736%3,473
Core capital (leverage) ratio10.5495%2,885
Tier 1 risk-based capital ratio13.3430%4,694
Total risk-based capital ratio14.5473%4,662
Memoranda:
Average total assets$18,303,612,00074
Average earning assets$17,093,518,67069
Average equity$1,818,808,00080
Average total loans$12,382,545,67072
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4376%5,566
Cost of funding earning assets0.1681%6,240
Net interest margin3.2695%4,674
Noninterest income to average assets0.9184%1,336
Noninterest expense to average assets2.7107%3,900
Loan and lease loss provision to assets-0.1857%6,559
Net operating income to assets0.9267%2,517
Return on assets (ROA)1.0029%2,256
Pretax return on assets1.5768%1,221
Return on Equity (ROE)10.3550%1,919
Retained earnings to average equity (ytd only)1.2949%5,100
Net charge-offs to loans0.2082%1,502
Credit loss provision to net charge-offs-135.1768%4,889
Earnings coverage of net charge-offs (x)9.2592%1,952
Efficiency ratio68.0615%4,172
Assets per employee ($millions)7.9480%496
Cash dividends to net income (ytd only)*87.4947%850
Condition Ratios (%)
Loss allowance to loans2.2374%1,109
Loan loss allowance to noncurrent loans213.8353%1,988
Noncurrent assets plus other real estate owned to assets0.7278%3,941
Noncurrent loans to loans1.0463%3,328
Net loans and leases to total assets63.9579%2,898
Net loans and leases to deposits73.0616%3,194
Net loans and leases to core deposits80.4946%2,909
Total domestic deposits to total assets80.2292%5,443
Equity capital to assets9.6710%4,268
Core capital (leverage) ratio10.0568%3,489
Tier 1 risk-based capital ratio13.4724%4,706
Total risk-based capital ratio14.6746%4,680
Memoranda:
Average total assets$18,689,774,00071
Average earning assets$17,517,097,00068
Average equity$1,810,132,50079
Average total loans$12,332,389,00073
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7781%4,884
Cost of funding earning assets0.1971%6,306
Net interest margin3.5810%3,547
Noninterest income to average assets1.1975%983
Noninterest expense to average assets2.8218%3,647
Loan and lease loss provision to assets-0.2259%6,616
Net operating income to assets1.2557%1,375
Return on assets (ROA)1.2537%1,438
Pretax return on assets1.9332%562
Return on Equity (ROE)12.4879%1,279
Retained earnings to average equity (ytd only)-1.9667%6,175
Net charge-offs to loans0.1584%3,219
Credit loss provision to net charge-offs-205.4509%5,992
Earnings coverage of net charge-offs (x)15.5536%1,859
Efficiency ratio62.2604%5,167
Assets per employee ($millions)7.7331%537
Cash dividends to net income (ytd only)*115.7490%259
Condition Ratios (%)
Loss allowance to loans2.3448%988
Loan loss allowance to noncurrent loans212.4785%1,990
Noncurrent assets plus other real estate owned to assets0.7840%3,928
Noncurrent loans to loans1.1036%3,329
Net loans and leases to total assets64.9933%2,871
Net loans and leases to deposits74.3239%3,217
Net loans and leases to core deposits83.4102%2,733
Total domestic deposits to total assets78.6432%5,720
Equity capital to assets9.6995%4,167
Core capital (leverage) ratio10.0248%3,525
Tier 1 risk-based capital ratio13.3182%4,775
Total risk-based capital ratio14.5238%4,744
Memoranda:
Average total assets$17,916,649,00072
Average earning assets$16,683,994,60069
Average equity$1,798,739,80078
Average total loans$12,435,053,40066
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8366%4,714
Cost of funding earning assets0.2029%6,388
Net interest margin3.6338%3,306
Noninterest income to average assets1.2270%978
Noninterest expense to average assets2.8558%3,459
Loan and lease loss provision to assets-0.1383%6,664
Net operating income to assets1.1968%1,649
Return on assets (ROA)1.2214%1,633
Pretax return on assets1.9223%682
Return on Equity (ROE)12.0593%1,458
Retained earnings to average equity (ytd only)-2.0330%6,271
Net charge-offs to loans0.1859%2,734
Credit loss provision to net charge-offs-106.0358%5,796
Earnings coverage of net charge-offs (x)13.3825%2,033
Efficiency ratio62.0645%5,129
Assets per employee ($millions)7.5280%576
Cash dividends to net income (ytd only)*116.8584%256
Condition Ratios (%)
Loss allowance to loans2.5508%883
Loan loss allowance to noncurrent loans195.1402%2,030
Noncurrent assets plus other real estate owned to assets0.9668%3,730
Noncurrent loans to loans1.3072%3,223
Net loans and leases to total assets66.5336%2,556
Net loans and leases to deposits76.0859%2,958
Net loans and leases to core deposits83.7131%2,678
Total domestic deposits to total assets80.2686%5,437
Equity capital to assets9.9333%4,001
Core capital (leverage) ratio10.0747%3,565
Tier 1 risk-based capital ratio13.2481%4,947
Total risk-based capital ratio14.4579%4,921
Memoranda:
Average total assets$17,748,203,00071
Average earning assets$16,481,545,75069
Average equity$1,797,630,25077
Average total loans$12,450,655,75065
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9142%4,424
Cost of funding earning assets0.2062%6,445
Net interest margin3.7081%2,930
Noninterest income to average assets1.2710%959
Noninterest expense to average assets2.8952%3,350
Loan and lease loss provision to assets-0.1004%6,714
Net operating income to assets1.2166%1,546
Return on assets (ROA)1.2426%1,570
Pretax return on assets1.9576%651
Return on Equity (ROE)12.1880%1,433
Retained earnings to average equity (ytd only)-3.3773%6,347
Net charge-offs to loans0.1697%2,763
Credit loss provision to net charge-offs-83.5770%5,593
Earnings coverage of net charge-offs (x)15.1179%1,766
Efficiency ratio61.4457%5,252
Assets per employee ($millions)7.4930%571
Cash dividends to net income (ytd only)*127.7104%300
Condition Ratios (%)
Loss allowance to loans2.6611%819
Loan loss allowance to noncurrent loans170.9413%2,259
Noncurrent assets plus other real estate owned to assets1.1789%3,394
Noncurrent loans to loans1.5568%2,973
Net loans and leases to total assets66.6540%2,475
Net loans and leases to deposits76.3217%2,836
Net loans and leases to core deposits83.8906%2,577
Total domestic deposits to total assets80.2143%5,560
Equity capital to assets9.8590%4,111
Core capital (leverage) ratio10.4621%2,932
Tier 1 risk-based capital ratio13.0893%5,080
Total risk-based capital ratio14.3006%5,048
Memoranda:
Average total assets$17,644,411,00070
Average earning assets$16,372,790,33068
Average equity$1,798,872,00076
Average total loans$12,490,802,33064
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0063%4,098
Cost of funding earning assets0.2141%6,513
Net interest margin3.7922%2,478
Noninterest income to average assets1.2311%1,009
Noninterest expense to average assets2.8095%3,660
Loan and lease loss provision to assets0.0413%3,910
Net operating income to assets1.1945%1,537
Return on assets (ROA)1.2424%1,515
Pretax return on assets1.9550%647
Return on Equity (ROE)11.9805%1,432
Retained earnings to average equity (ytd only)-3.5463%6,237
Net charge-offs to loans0.2501%1,956
Credit loss provision to net charge-offs22.9531%2,995
Earnings coverage of net charge-offs (x)10.6691%1,721
Efficiency ratio59.3864%5,670
Assets per employee ($millions)7.0404%750
Cash dividends to net income (ytd only)*129.6008%450
Condition Ratios (%)
Loss allowance to loans2.7659%851
Loan loss allowance to noncurrent loans155.0934%2,320
Noncurrent assets plus other real estate owned to assets1.4636%3,060
Noncurrent loans to loans1.7834%2,889
Net loans and leases to total assets71.8344%1,379
Net loans and leases to deposits83.5486%1,645
Net loans and leases to core deposits93.3963%1,383
Total domestic deposits to total assets77.6672%6,164
Equity capital to assets10.7271%3,284
Core capital (leverage) ratio10.8033%2,454
Tier 1 risk-based capital ratio13.0985%5,149
Total risk-based capital ratio14.3066%5,132
Memoranda:
Average total assets$17,388,873,00069
Average earning assets$16,048,367,00068
Average equity$1,803,330,00076
Average total loans$12,520,102,00064
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3503%4,027
Cost of funding earning assets0.2663%6,602
Net interest margin4.0840%2,066
Noninterest income to average assets1.2744%953
Noninterest expense to average assets2.9655%3,402
Loan and lease loss provision to assets0.5042%1,173
Net operating income to assets1.0156%2,271
Return on assets (ROA)1.0808%2,192
Pretax return on assets1.6776%1,190
Return on Equity (ROE)10.1311%2,115
Retained earnings to average equity (ytd only)5.8557%2,157
Net charge-offs to loans0.5894%1,963
Credit loss provision to net charge-offs118.6683%2,420
Earnings coverage of net charge-offs (x)4.8954%3,213
Efficiency ratio58.7772%5,730
Assets per employee ($millions)7.3364%670
Cash dividends to net income (ytd only)*42.2014%2,737
Condition Ratios (%)
Loss allowance to loans2.7816%836
Loan loss allowance to noncurrent loans146.4236%2,421
Noncurrent assets plus other real estate owned to assets1.4594%3,193
Noncurrent loans to loans1.8997%2,805
Net loans and leases to total assets68.2831%2,138
Net loans and leases to deposits78.6067%2,449
Net loans and leases to core deposits88.9362%1,978
Total domestic deposits to total assets77.5194%6,163
Equity capital to assets10.0356%4,120
Core capital (leverage) ratio10.5782%2,676
Tier 1 risk-based capital ratio12.9636%5,135
Total risk-based capital ratio14.1717%5,109
Memoranda:
Average total assets$17,519,153,00065
Average earning assets$16,176,390,00064
Average equity$1,868,981,20074
Average total loans$12,629,126,60061
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4279%3,933
Cost of funding earning assets0.2795%6,698
Net interest margin4.1484%1,906
Noninterest income to average assets1.2961%881
Noninterest expense to average assets2.9873%3,277
Loan and lease loss provision to assets0.5969%929
Net operating income to assets0.9993%2,505
Return on assets (ROA)1.0517%2,495
Pretax return on assets1.6298%1,477
Return on Equity (ROE)9.7097%2,496
Retained earnings to average equity (ytd only)5.7581%2,861
Net charge-offs to loans0.6832%1,617
Credit loss provision to net charge-offs120.4009%2,407
Earnings coverage of net charge-offs (x)4.3289%3,335
Efficiency ratio58.1919%5,761
Assets per employee ($millions)7.0984%708
Cash dividends to net income (ytd only)*40.6974%2,130
Condition Ratios (%)
Loss allowance to loans2.7554%928
Loan loss allowance to noncurrent loans139.8867%2,416
Noncurrent assets plus other real estate owned to assets1.6280%3,145
Noncurrent loans to loans1.9697%2,871
Net loans and leases to total assets71.7110%1,602
Net loans and leases to deposits84.0121%1,870
Net loans and leases to core deposits96.7075%1,350
Total domestic deposits to total assets74.9518%6,526
Equity capital to assets10.9144%3,364
Core capital (leverage) ratio10.9146%2,469
Tier 1 risk-based capital ratio13.3120%5,015
Total risk-based capital ratio14.5185%5,008
Memoranda:
Average total assets$17,416,410,50066
Average earning assets$16,110,616,75066
Average equity$1,886,376,25074
Average total loans$12,638,022,75061
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4377%4,032
Cost of funding earning assets0.2902%6,766
Net interest margin4.1475%1,917
Noninterest income to average assets1.3118%823
Noninterest expense to average assets2.9777%3,344
Loan and lease loss provision to assets0.6963%790
Net operating income to assets0.9540%2,646
Return on assets (ROA)1.0114%2,634
Pretax return on assets1.5619%1,664
Return on Equity (ROE)9.3620%2,641
Retained earnings to average equity (ytd only)5.8755%2,780
Net charge-offs to loans0.7209%1,531
Credit loss provision to net charge-offs133.8081%2,053
Earnings coverage of net charge-offs (x)4.1698%3,159
Efficiency ratio57.8478%5,893
Assets per employee ($millions)7.1886%669
Cash dividends to net income (ytd only)*37.2410%2,295
Condition Ratios (%)
Loss allowance to loans2.8047%937
Loan loss allowance to noncurrent loans137.6364%2,415
Noncurrent assets plus other real estate owned to assets1.6566%3,234
Noncurrent loans to loans2.0378%2,906
Net loans and leases to total assets68.6851%2,163
Net loans and leases to deposits80.7803%2,267
Net loans and leases to core deposits96.2396%1,410
Total domestic deposits to total assets72.6179%6,772
Equity capital to assets10.7816%3,360
Core capital (leverage) ratio11.5385%1,875
Tier 1 risk-based capital ratio13.9315%4,497
Total risk-based capital ratio15.1364%4,505
Memoranda:
Average total assets$17,486,376,67067
Average earning assets$16,171,630,67067
Average equity$1,889,171,33074
Average total loans$12,621,169,67061
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5163%3,850
Cost of funding earning assets0.3119%6,809
Net interest margin4.2045%1,747
Noninterest income to average assets1.3933%745
Noninterest expense to average assets2.9518%3,440
Loan and lease loss provision to assets0.9334%465
Net operating income to assets0.9100%2,867
Return on assets (ROA)0.9791%2,766
Pretax return on assets1.5064%1,853
Return on Equity (ROE)9.0534%2,801
Retained earnings to average equity (ytd only)5.2317%3,414
Net charge-offs to loans0.8421%1,222
Credit loss provision to net charge-offs151.9377%1,646
Earnings coverage of net charge-offs (x)3.7982%2,743
Efficiency ratio55.8502%6,138
Assets per employee ($millions)7.1047%718
Cash dividends to net income (ytd only)*42.2132%1,689
Condition Ratios (%)
Loss allowance to loans2.8087%997
Loan loss allowance to noncurrent loans123.5099%2,554
Noncurrent assets plus other real estate owned to assets1.8644%3,099
Noncurrent loans to loans2.2740%2,830
Net loans and leases to total assets70.5510%1,656
Net loans and leases to deposits82.7550%1,823
Net loans and leases to core deposits96.6740%1,239
Total domestic deposits to total assets74.7959%6,674
Equity capital to assets11.0319%2,865
Core capital (leverage) ratio11.4494%1,930
Tier 1 risk-based capital ratio13.8205%4,595
Total risk-based capital ratio15.0582%4,583
Memoranda:
Average total assets$17,355,181,00067
Average earning assets$16,065,065,50066
Average equity$1,876,953,50075
Average total loans$12,660,481,50061
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9863%2,941
Cost of funding earning assets0.4449%6,746
Net interest margin4.5414%1,038
Noninterest income to average assets1.1965%926
Noninterest expense to average assets3.3294%2,423
Loan and lease loss provision to assets0.7796%1,278
Net operating income to assets0.8399%2,876
Return on assets (ROA)0.9149%2,661
Pretax return on assets1.3768%1,853
Return on Equity (ROE)8.3828%2,724
Retained earnings to average equity (ytd only)8.3828%961
Net charge-offs to loans1.3966%1,170
Credit loss provision to net charge-offs71.4382%4,799
Earnings coverage of net charge-offs (x)1.8720%4,372
Efficiency ratio61.9714%5,468
Assets per employee ($millions)7.0492%713
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.6178%1,169
Loan loss allowance to noncurrent loans131.6361%2,403
Noncurrent assets plus other real estate owned to assets1.6694%3,450
Noncurrent loans to loans1.9887%3,224
Net loans and leases to total assets71.3827%1,756
Net loans and leases to deposits83.9586%1,928
Net loans and leases to core deposits102.5384%989
Total domestic deposits to total assets71.3776%6,906
Equity capital to assets10.6023%3,415
Core capital (leverage) ratio11.5916%1,824
Tier 1 risk-based capital ratio13.3740%4,790
Total risk-based capital ratio14.6100%4,771
Memoranda:
Average total assets$16,451,278,80071
Average earning assets$15,126,549,80071
Average equity$1,795,478,00076
Average total loans$12,854,291,40062
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0974%2,616
Cost of funding earning assets0.4761%6,792
Net interest margin4.6214%908
Noninterest income to average assets1.2145%892
Noninterest expense to average assets3.3502%2,353
Loan and lease loss provision to assets0.7509%1,267
Net operating income to assets0.8977%2,746
Return on assets (ROA)0.9930%2,501
Pretax return on assets1.5011%1,649
Return on Equity (ROE)9.0284%2,583
Retained earnings to average equity (ytd only)9.0284%1,134
Net charge-offs to loans1.4286%1,037
Credit loss provision to net charge-offs66.1662%4,602
Earnings coverage of net charge-offs (x)1.8571%4,275
Efficiency ratio61.3790%5,502
Assets per employee ($millions)6.4792%956
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.6725%1,163
Loan loss allowance to noncurrent loans104.7135%2,846
Noncurrent assets plus other real estate owned to assets2.3900%2,693
Noncurrent loans to loans2.5522%2,715
Net loans and leases to total assets76.8072%868
Net loans and leases to deposits91.1147%1,097
Net loans and leases to core deposits105.8595%876
Total domestic deposits to total assets74.7954%6,662
Equity capital to assets11.3110%2,856
Core capital (leverage) ratio11.8103%1,823
Tier 1 risk-based capital ratio13.1104%5,013
Total risk-based capital ratio14.3426%5,005
Memoranda:
Average total assets$16,181,279,25071
Average earning assets$14,857,639,50070
Average equity$1,779,666,25075
Average total loans$12,855,187,75062
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0875%2,744
Cost of funding earning assets0.4926%6,868
Net interest margin4.5950%914
Noninterest income to average assets1.2792%770
Noninterest expense to average assets3.3211%2,494
Loan and lease loss provision to assets0.7493%1,244
Net operating income to assets0.9485%2,442
Return on assets (ROA)0.9967%2,347
Pretax return on assets1.5067%1,511
Return on Equity (ROE)9.1493%2,451
Retained earnings to average equity (ytd only)9.1493%1,058
Net charge-offs to loans1.5025%987
Credit loss provision to net charge-offs62.6370%4,281
Earnings coverage of net charge-offs (x)1.8247%3,952
Efficiency ratio60.3365%5,821
Assets per employee ($millions)6.5320%918
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.7420%1,134
Loan loss allowance to noncurrent loans89.3441%3,180
Noncurrent assets plus other real estate owned to assets2.7889%2,401
Noncurrent loans to loans3.0691%2,356
Net loans and leases to total assets76.2885%1,040
Net loans and leases to deposits90.4049%1,227
Net loans and leases to core deposits103.9873%1,043
Total domestic deposits to total assets75.9319%6,609
Equity capital to assets11.0425%2,910
Core capital (leverage) ratio11.6259%1,833
Tier 1 risk-based capital ratio12.7859%5,102
Total risk-based capital ratio14.0145%5,090
Memoranda:
Average total assets$16,184,332,00072
Average earning assets$14,880,540,00072
Average equity$1,763,144,67077
Average total loans$12,886,108,67062
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0904%2,684
Cost of funding earning assets0.5099%6,941
Net interest margin4.5805%896
Noninterest income to average assets1.3317%724
Noninterest expense to average assets3.2716%2,643
Loan and lease loss provision to assets0.9691%803
Net operating income to assets0.8632%2,732
Return on assets (ROA)0.9075%2,586
Pretax return on assets1.3598%1,850
Return on Equity (ROE)8.3881%2,743
Retained earnings to average equity (ytd only)8.3881%1,590
Net charge-offs to loans1.5253%891
Credit loss provision to net charge-offs79.2019%3,177
Earnings coverage of net charge-offs (x)1.8493%3,379
Efficiency ratio59.1103%6,115
Assets per employee ($millions)6.5584%903
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.9333%973
Loan loss allowance to noncurrent loans81.6529%3,466
Noncurrent assets plus other real estate owned to assets3.3534%2,033
Noncurrent loans to loans3.5923%2,068
Net loans and leases to total assets77.8584%746
Net loans and leases to deposits93.0111%917
Net loans and leases to core deposits107.8325%847
Total domestic deposits to total assets74.5911%6,845
Equity capital to assets10.8197%2,859
Core capital (leverage) ratio11.3528%1,931
Tier 1 risk-based capital ratio12.3260%5,420
Total risk-based capital ratio13.5505%5,428
Memoranda:
Average total assets$16,104,975,00072
Average earning assets$14,776,691,50072
Average equity$1,742,375,00077
Average total loans$12,919,478,50061
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2245%3,486
Cost of funding earning assets0.6131%7,100
Net interest margin4.6114%990
Noninterest income to average assets0.9781%1,578
Noninterest expense to average assets3.1955%3,111
Loan and lease loss provision to assets2.0551%631
Net operating income to assets-0.0808%5,960
Return on assets (ROA)-0.2838%6,244
Pretax return on assets-0.3736%6,224
Return on Equity (ROE)-2.7675%6,257
Retained earnings to average equity (ytd only)-2.7675%6,077
Net charge-offs to loans2.3811%801
Credit loss provision to net charge-offs108.9478%4,051
Earnings coverage of net charge-offs (x)1.0329%5,079
Efficiency ratio62.0869%5,719
Assets per employee ($millions)6.6453%886
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.9887%880
Loan loss allowance to noncurrent loans80.7496%3,507
Noncurrent assets plus other real estate owned to assets3.5540%1,942
Noncurrent loans to loans3.7012%2,007
Net loans and leases to total assets77.8318%973
Net loans and leases to deposits92.3184%1,232
Net loans and leases to core deposits109.8418%929
Total domestic deposits to total assets74.0124%6,893
Equity capital to assets10.8181%2,840
Core capital (leverage) ratio10.4311%2,634
Tier 1 risk-based capital ratio11.6584%5,764
Total risk-based capital ratio12.8808%5,793
Memoranda:
Average total assets$17,061,312,80070
Average earning assets$15,412,646,00069
Average equity$1,749,427,20076
Average total loans$13,516,126,00058
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2178%3,751
Cost of funding earning assets0.6283%7,232
Net interest margin4.5895%1,068
Noninterest income to average assets0.8715%1,906
Noninterest expense to average assets3.0543%3,558
Loan and lease loss provision to assets2.0467%580
Net operating income to assets-0.0765%6,155
Return on assets (ROA)-0.3535%6,520
Pretax return on assets-0.4554%6,516
Return on Equity (ROE)-3.4926%6,537
Retained earnings to average equity (ytd only)-3.4926%6,405
Net charge-offs to loans2.2026%818
Credit loss provision to net charge-offs117.6475%3,525
Earnings coverage of net charge-offs (x)1.1187%4,936
Efficiency ratio61.0390%5,787
Assets per employee ($millions)7.1103%734
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.9883%832
Loan loss allowance to noncurrent loans68.1737%3,908
Noncurrent assets plus other real estate owned to assets4.1954%1,638
Noncurrent loans to loans4.3834%1,659
Net loans and leases to total assets75.7182%1,460
Net loans and leases to deposits89.3635%1,810
Net loans and leases to core deposits110.0772%1,030
Total domestic deposits to total assets71.8186%7,148
Equity capital to assets10.2437%3,829
Core capital (leverage) ratio9.6404%3,692
Tier 1 risk-based capital ratio11.0391%6,338
Total risk-based capital ratio12.2581%6,354
Memoranda:
Average total assets$17,284,627,75069
Average earning assets$15,550,365,50069
Average equity$1,749,516,00075
Average total loans$13,652,265,75056
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2675%3,613
Cost of funding earning assets0.6465%7,305
Net interest margin4.6210%951
Noninterest income to average assets0.8747%1,784
Noninterest expense to average assets3.0065%3,690
Loan and lease loss provision to assets2.0479%602
Net operating income to assets-0.0270%6,115
Return on assets (ROA)-0.5501%6,729
Pretax return on assets-0.6479%6,696
Return on Equity (ROE)-5.4566%6,735
Retained earnings to average equity (ytd only)-5.4566%6,606
Net charge-offs to loans1.9243%957
Credit loss provision to net charge-offs134.2156%2,992
Earnings coverage of net charge-offs (x)1.3207%4,506
Efficiency ratio59.8230%6,076
Assets per employee ($millions)7.1205%728
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.9862%828
Loan loss allowance to noncurrent loans57.0567%4,507
Noncurrent assets plus other real estate owned to assets5.1475%1,233
Noncurrent loans to loans5.2338%1,300
Net loans and leases to total assets77.2852%1,235
Net loans and leases to deposits93.2537%1,371
Net loans and leases to core deposits111.0616%1,094
Total domestic deposits to total assets72.4451%7,144
Equity capital to assets10.3595%3,576
Core capital (leverage) ratio9.2282%4,254
Tier 1 risk-based capital ratio11.1134%6,130
Total risk-based capital ratio12.3285%6,143
Memoranda:
Average total assets$17,348,418,00067
Average earning assets$15,569,040,67067
Average equity$1,749,029,33073
Average total loans$13,755,888,33056
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1819%4,121
Cost of funding earning assets0.6697%7,400
Net interest margin4.5122%1,113
Noninterest income to average assets0.9992%1,314
Noninterest expense to average assets2.8974%4,073
Loan and lease loss provision to assets1.9885%557
Net operating income to assets0.0894%6,054
Return on assets (ROA)-1.1359%7,203
Pretax return on assets-1.0680%7,084
Return on Equity (ROE)-11.4191%7,189
Retained earnings to average equity (ytd only)-11.4191%7,040
Net charge-offs to loans1.7292%1,001
Credit loss provision to net charge-offs145.3592%2,448
Earnings coverage of net charge-offs (x)1.5686%3,790
Efficiency ratio57.3937%6,578
Assets per employee ($millions)7.2801%724
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.8207%962
Loan loss allowance to noncurrent loans54.0888%4,712
Noncurrent assets plus other real estate owned to assets5.1114%1,244
Noncurrent loans to loans5.2150%1,374
Net loans and leases to total assets77.3509%1,275
Net loans and leases to deposits93.1989%1,448
Net loans and leases to core deposits115.6786%959
Total domestic deposits to total assets74.9281%6,914
Equity capital to assets10.1506%3,667
Core capital (leverage) ratio9.2517%4,135
Tier 1 risk-based capital ratio11.2182%5,935
Total risk-based capital ratio12.4245%5,944
Memoranda:
Average total assets$17,527,928,00065
Average earning assets$15,709,086,00065
Average equity$1,743,539,50072
Average total loans$13,866,602,00054
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9679%6,534
Cost of funding earning assets1.0860%7,021
Net interest margin3.8820%3,340
Noninterest income to average assets1.0621%1,366
Noninterest expense to average assets2.6741%5,505
Loan and lease loss provision to assets2.0669%1,031
Net operating income to assets-0.0171%5,522
Return on assets (ROA)-1.0475%6,612
Pretax return on assets-1.7929%6,858
Return on Equity (ROE)-13.7390%6,863
Retained earnings to average equity (ytd only)-13.7390%6,793
Net charge-offs to loans1.7672%1,416
Credit loss provision to net charge-offs156.9587%2,875
Earnings coverage of net charge-offs (x)1.4305%4,692
Efficiency ratio58.6127%6,678
Assets per employee ($millions)7.6163%600
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.5550%1,164
Loan loss allowance to noncurrent loans51.2250%4,953
Noncurrent assets plus other real estate owned to assets4.6318%1,383
Noncurrent loans to loans4.9878%1,356
Net loans and leases to total assets76.6355%1,661
Net loans and leases to deposits99.0198%994
Net loans and leases to core deposits112.6252%2,634
Total domestic deposits to total assets70.5900%7,368
Equity capital to assets9.7513%4,064
Core capital (leverage) ratio8.8370%4,709
Tier 1 risk-based capital ratio10.1231%6,771
Total risk-based capital ratio11.3287%6,770
Memoranda:
Average total assets$19,372,465,60061
Average earning assets$17,444,789,60061
Average equity$1,477,010,00078
Average total loans$14,435,492,80054
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9319%6,811
Cost of funding earning assets1.1789%6,952
Net interest margin3.7530%3,851
Noninterest income to average assets1.0496%1,442
Noninterest expense to average assets2.5693%5,827
Loan and lease loss provision to assets2.5291%652
Net operating income to assets-0.3163%6,223
Return on assets (ROA)-1.4842%7,101
Pretax return on assets-2.4855%7,344
Return on Equity (ROE)-20.7774%7,401
Retained earnings to average equity (ytd only)-20.7774%7,371
Net charge-offs to loans1.9186%1,042
Credit loss provision to net charge-offs179.1468%2,564
Earnings coverage of net charge-offs (x)1.3235%4,795
Efficiency ratio57.8368%6,739
Assets per employee ($millions)7.7410%568
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.6334%937
Loan loss allowance to noncurrent loans58.8795%4,422
Noncurrent assets plus other real estate owned to assets4.1065%1,541
Noncurrent loans to loans4.4726%1,568
Net loans and leases to total assets76.0140%1,993
Net loans and leases to deposits93.0521%2,052
Net loans and leases to core deposits110.5824%3,174
Total domestic deposits to total assets71.6628%7,254
Equity capital to assets9.0490%5,417
Core capital (leverage) ratio8.7690%5,021
Tier 1 risk-based capital ratio9.8142%7,126
Total risk-based capital ratio11.0392%7,111
Memoranda:
Average total assets$19,750,529,25064
Average earning assets$17,830,856,75064
Average equity$1,410,859,75087
Average total loans$14,532,831,75058
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8173%7,196
Cost of funding earning assets1.2980%6,816
Net interest margin3.5193%4,709
Noninterest income to average assets1.0877%1,350
Noninterest expense to average assets2.5996%5,742
Loan and lease loss provision to assets2.8414%534
Net operating income to assets-0.6486%6,701
Return on assets (ROA)-1.9794%7,419
Pretax return on assets-3.2527%7,624
Return on Equity (ROE)-30.1586%7,708
Retained earnings to average equity (ytd only)-30.1586%7,685
Net charge-offs to loans1.8994%985
Credit loss provision to net charge-offs207.1438%2,206
Earnings coverage of net charge-offs (x)1.2161%4,620
Efficiency ratio60.8544%6,419
Assets per employee ($millions)7.6068%586
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.5034%894
Loan loss allowance to noncurrent loans65.0155%4,178
Noncurrent assets plus other real estate owned to assets3.5913%1,726
Noncurrent loans to loans3.8505%1,764
Net loans and leases to total assets75.6928%2,259
Net loans and leases to deposits91.8821%2,493
Net loans and leases to core deposits110.4242%3,336
Total domestic deposits to total assets73.2077%7,078
Equity capital to assets7.7174%7,053
Core capital (leverage) ratio7.5814%6,923
Tier 1 risk-based capital ratio8.4453%7,852
Total risk-based capital ratio10.7893%7,317
Memoranda:
Average total assets$20,187,650,67067
Average earning assets$18,241,164,67067
Average equity$1,324,956,67098
Average total loans$14,578,631,00060
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5664%7,651
Cost of funding earning assets1.3912%6,767
Net interest margin3.1752%5,937
Noninterest income to average assets1.1367%1,143
Noninterest expense to average assets2.0593%7,217
Loan and lease loss provision to assets1.2398%1,045
Net operating income to assets0.5915%4,049
Return on assets (ROA)-1.7719%7,596
Pretax return on assets-2.9725%7,748
Return on Equity (ROE)-29.2843%7,901
Retained earnings to average equity (ytd only)-29.2843%7,850
Net charge-offs to loans1.1531%1,189
Credit loss provision to net charge-offs154.0175%2,712
Earnings coverage of net charge-offs (x)2.4351%3,518
Efficiency ratio51.1728%7,493
Assets per employee ($millions)8.5370%415
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.6252%2,422
Loan loss allowance to noncurrent loans48.3804%5,297
Noncurrent assets plus other real estate owned to assets2.8445%1,997
Noncurrent loans to loans3.3592%1,911
Net loans and leases to total assets67.6079%4,221
Net loans and leases to deposits86.3524%3,572
Net loans and leases to core deposits106.9565%3,801
Total domestic deposits to total assets69.4299%7,478
Equity capital to assets5.8752%8,019
Core capital (leverage) ratio6.8312%7,747
Tier 1 risk-based capital ratio7.7317%8,034
Total risk-based capital ratio10.0839%7,913
Memoranda:
Average total assets$20,970,734,00068
Average earning assets$19,039,739,00068
Average equity$1,268,885,500102
Average total loans$14,639,426,50061
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0977%5,056
Cost of funding earning assets2.3799%4,816
Net interest margin3.7179%4,393
Noninterest income to average assets1.3801%757
Noninterest expense to average assets2.6376%5,501
Loan and lease loss provision to assets0.8384%1,781
Net operating income to assets0.8782%3,100
Return on assets (ROA)0.5484%4,387
Pretax return on assets0.7749%4,158
Return on Equity (ROE)9.6271%2,386
Retained earnings to average equity (ytd only)6.9198%1,181
Net charge-offs to loans0.5310%2,235
Credit loss provision to net charge-offs216.2470%2,226
Earnings coverage of net charge-offs (x)5.3591%3,671
Efficiency ratio55.8810%7,029
Assets per employee ($millions)8.2290%437
Cash dividends to net income (ytd only)*28.1215%4,182
Condition Ratios (%)
Loss allowance to loans1.4495%2,928
Loan loss allowance to noncurrent loans49.9533%5,496
Noncurrent assets plus other real estate owned to assets2.4460%1,983
Noncurrent loans to loans2.9017%1,854
Net loans and leases to total assets69.8851%4,046
Net loans and leases to deposits90.0886%3,440
Net loans and leases to core deposits119.8064%2,706
Total domestic deposits to total assets66.8505%7,589
Equity capital to assets6.2296%8,010
Core capital (leverage) ratio6.9103%7,753
Tier 1 risk-based capital ratio8.3214%8,029
Total risk-based capital ratio11.3259%6,532
Memoranda:
Average total assets$19,453,725,80067
Average earning assets$17,451,636,40068
Average equity$1,108,127,400107
Average total loans$14,202,879,40063