Home > Banco Santander Puerto Rico > Performance and Condition Ratios
Banco Santander Puerto Rico, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 4,254 |
| Cost of funding earning assets | 0.5949% | 2,993 |
| Net interest margin | 3.0116% | 4,099 |
| Noninterest income to average assets | 0.3998% | 3,079 |
| Noninterest expense to average assets | 2.2652% | 3,609 |
| Loan and lease loss provision to assets | 0.4234% | 931 |
| Net operating income to assets | 0.5363% | 3,915 |
| Return on assets (ROA) | 0.5363% | 3,995 |
| Pretax return on assets | 0.5847% | 4,091 |
| Return on Equity (ROE) | 3.1496% | 4,317 |
| Retained earnings to average equity (ytd only) | 3.1496% | 3,325 |
| Net charge-offs to loans | 0.8456% | 180 |
| Credit loss provision to net charge-offs | 109.1537% | 2,341 |
| Earnings coverage of net charge-offs (x) | 2.5987% | 2,753 |
| Efficiency ratio | 68.4379% | 2,180 |
| Assets per employee ($millions) | 6.4346% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3374% | 33 |
| Loan loss allowance to noncurrent loans | 370.6432% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 1,828 |
| Noncurrent loans to loans | 1.4400% | 1,065 |
| Net loans and leases to total assets | 43.2320% | 4,494 |
| Net loans and leases to deposits | 53.2691% | 4,406 |
| Net loans and leases to core deposits | 57.6762% | 4,366 |
| Total domestic deposits to total assets | 81.1578% | 3,567 |
| Equity capital to assets | 16.9199% | 381 |
| Core capital (leverage) ratio | 18.1999% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.9435% | 120 |
| Memoranda: | ||
| Average total assets | $5,975,918,333 | 210 |
| Average earning assets | $5,701,686,000 | 202 |
| Average equity | $1,017,535,333 | 163 |
| Average total loans | $2,741,542,000 | 279 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9426% | 3,950 |
| Cost of funding earning assets | 0.7604% | 2,606 |
| Net interest margin | 3.1822% | 3,905 |
| Noninterest income to average assets | 0.4798% | 2,652 |
| Noninterest expense to average assets | 2.4340% | 3,463 |
| Loan and lease loss provision to assets | 1.1809% | 158 |
| Net operating income to assets | 0.1284% | 4,622 |
| Return on assets (ROA) | 0.1284% | 4,627 |
| Pretax return on assets | -0.0917% | 4,771 |
| Return on Equity (ROE) | 0.7517% | 4,658 |
| Retained earnings to average equity (ytd only) | 0.7517% | 3,806 |
| Net charge-offs to loans | 0.4080% | 358 |
| Credit loss provision to net charge-offs | 629.5105% | 769 |
| Earnings coverage of net charge-offs (x) | 5.8064% | 2,025 |
| Efficiency ratio | 68.3419% | 2,611 |
| Assets per employee ($millions) | 6.1915% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8205% | 29 |
| Loan loss allowance to noncurrent loans | 463.9980% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6012% | 2,203 |
| Noncurrent loans to loans | 1.2544% | 1,302 |
| Net loans and leases to total assets | 43.5889% | 4,523 |
| Net loans and leases to deposits | 53.6879% | 4,459 |
| Net loans and leases to core deposits | 58.5625% | 4,413 |
| Total domestic deposits to total assets | 81.1896% | 3,625 |
| Equity capital to assets | 16.8990% | 454 |
| Core capital (leverage) ratio | 17.6349% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4943% | 117 |
| Memoranda: | ||
| Average total assets | $5,968,559,000 | 206 |
| Average earning assets | $5,708,052,500 | 196 |
| Average equity | $1,019,499,000 | 164 |
| Average total loans | $2,744,363,000 | 271 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 2,263 |
| Cost of funding earning assets | 0.7305% | 3,014 |
| Net interest margin | 3.9911% | 1,882 |
| Noninterest income to average assets | 0.4648% | 2,928 |
| Noninterest expense to average assets | 2.5730% | 3,251 |
| Loan and lease loss provision to assets | -0.1363% | 5,096 |
| Net operating income to assets | 1.1530% | 2,245 |
| Return on assets (ROA) | 1.1570% | 2,321 |
| Pretax return on assets | 1.8136% | 903 |
| Return on Equity (ROE) | 6.6545% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.5299% | 1,597 |
| Net charge-offs to loans | 1.1865% | 131 |
| Credit loss provision to net charge-offs | -22.0360% | 4,127 |
| Earnings coverage of net charge-offs (x) | 2.7030% | 3,387 |
| Efficiency ratio | 59.8282% | 3,722 |
| Assets per employee ($millions) | 6.0602% | 1,593 |
| Cash dividends to net income (ytd only)* | 1.8730% | 3,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4501% | 230 |
| Loan loss allowance to noncurrent loans | 533.1377% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 3,478 |
| Noncurrent loans to loans | 0.4596% | 2,802 |
| Net loans and leases to total assets | 44.5623% | 4,577 |
| Net loans and leases to deposits | 55.2033% | 4,494 |
| Net loans and leases to core deposits | 59.9117% | 4,448 |
| Total domestic deposits to total assets | 80.7241% | 3,827 |
| Equity capital to assets | 17.2611% | 438 |
| Core capital (leverage) ratio | 17.0522% | 406 |
| Tier 1 risk-based capital ratio | 41.7193% | 220 |
| Total risk-based capital ratio | 42.9874% | 217 |
| Memoranda: | ||
| Average total assets | $5,768,231,200 | 203 |
| Average earning assets | $5,463,722,200 | 195 |
| Average equity | $1,002,896,600 | 166 |
| Average total loans | $3,007,795,800 | 252 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 1,983 |
| Cost of funding earning assets | 0.7072% | 3,180 |
| Net interest margin | 4.1393% | 1,530 |
| Noninterest income to average assets | 0.4203% | 3,202 |
| Noninterest expense to average assets | 2.6260% | 3,086 |
| Loan and lease loss provision to assets | -0.1604% | 5,197 |
| Net operating income to assets | 1.4361% | 1,370 |
| Return on assets (ROA) | 1.4414% | 1,407 |
| Pretax return on assets | 1.8693% | 936 |
| Return on Equity (ROE) | 8.2747% | 3,207 |
| Retained earnings to average equity (ytd only) | 8.1071% | 1,349 |
| Net charge-offs to loans | 0.9590% | 154 |
| Credit loss provision to net charge-offs | -31.0597% | 3,993 |
| Earnings coverage of net charge-offs (x) | 3.2966% | 3,113 |
| Efficiency ratio | 59.8910% | 3,670 |
| Assets per employee ($millions) | 6.1232% | 1,514 |
| Cash dividends to net income (ytd only)* | 2.0253% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7246% | 169 |
| Loan loss allowance to noncurrent loans | 52.6850% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 3.1509% | 169 |
| Noncurrent loans to loans | 5.1716% | 100 |
| Net loans and leases to total assets | 47.2189% | 4,536 |
| Net loans and leases to deposits | 58.1262% | 4,472 |
| Net loans and leases to core deposits | 62.8705% | 4,428 |
| Total domestic deposits to total assets | 81.2352% | 3,682 |
| Equity capital to assets | 16.6483% | 533 |
| Core capital (leverage) ratio | 16.9387% | 454 |
| Tier 1 risk-based capital ratio | 36.9155% | 307 |
| Total risk-based capital ratio | 38.1861% | 299 |
| Memoranda: | ||
| Average total assets | $5,708,875,500 | 205 |
| Average earning assets | $5,389,748,750 | 198 |
| Average equity | $994,460,500 | 169 |
| Average total loans | $3,073,875,500 | 251 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 1,799 |
| Cost of funding earning assets | 0.6329% | 3,494 |
| Net interest margin | 4.2530% | 1,233 |
| Noninterest income to average assets | 0.5483% | 2,394 |
| Noninterest expense to average assets | 2.6973% | 2,915 |
| Loan and lease loss provision to assets | 0.1956% | 886 |
| Net operating income to assets | 1.3257% | 1,673 |
| Return on assets (ROA) | 1.3257% | 1,728 |
| Pretax return on assets | 1.6613% | 1,364 |
| Return on Equity (ROE) | 7.4874% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.4874% | 1,606 |
| Net charge-offs to loans | 1.0246% | 138 |
| Credit loss provision to net charge-offs | 34.2092% | 2,579 |
| Earnings coverage of net charge-offs (x) | 3.2471% | 2,865 |
| Efficiency ratio | 58.4707% | 3,946 |
| Assets per employee ($millions) | 6.0936% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2626% | 99 |
| Loan loss allowance to noncurrent loans | 58.7129% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 3.5177% | 144 |
| Noncurrent loans to loans | 5.5568% | 82 |
| Net loans and leases to total assets | 48.1917% | 4,563 |
| Net loans and leases to deposits | 59.0154% | 4,474 |
| Net loans and leases to core deposits | 63.9469% | 4,415 |
| Total domestic deposits to total assets | 81.6595% | 3,614 |
| Equity capital to assets | 16.3032% | 565 |
| Core capital (leverage) ratio | 17.2953% | 399 |
| Tier 1 risk-based capital ratio | 35.1357% | 335 |
| Total risk-based capital ratio | 36.4132% | 327 |
| Memoranda: | ||
| Average total assets | $5,550,364,000 | 210 |
| Average earning assets | $5,228,036,330 | 203 |
| Average equity | $982,746,670 | 167 |
| Average total loans | $3,097,832,000 | 252 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0415% | 1,232 |
| Cost of funding earning assets | 0.5231% | 3,957 |
| Net interest margin | 4.5184% | 711 |
| Noninterest income to average assets | 0.5067% | 2,516 |
| Noninterest expense to average assets | 2.8833% | 2,320 |
| Loan and lease loss provision to assets | 0.2245% | 693 |
| Net operating income to assets | 1.3548% | 1,514 |
| Return on assets (ROA) | 1.3548% | 1,554 |
| Pretax return on assets | 1.6470% | 1,353 |
| Return on Equity (ROE) | 7.3105% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.3105% | 1,924 |
| Net charge-offs to loans | 0.9244% | 156 |
| Credit loss provision to net charge-offs | 40.9325% | 2,026 |
| Earnings coverage of net charge-offs (x) | 3.4117% | 2,403 |
| Efficiency ratio | 59.9746% | 3,808 |
| Assets per employee ($millions) | 5.2792% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4313% | 89 |
| Loan loss allowance to noncurrent loans | 60.1054% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 4.3609% | 93 |
| Noncurrent loans to loans | 5.7088% | 86 |
| Net loans and leases to total assets | 56.5633% | 4,020 |
| Net loans and leases to deposits | 71.6873% | 3,628 |
| Net loans and leases to core deposits | 78.8620% | 3,458 |
| Total domestic deposits to total assets | 78.9028% | 4,370 |
| Equity capital to assets | 18.5708% | 305 |
| Core capital (leverage) ratio | 19.0755% | 275 |
| Tier 1 risk-based capital ratio | 34.1764% | 348 |
| Total risk-based capital ratio | 35.4561% | 342 |
| Memoranda: | ||
| Average total assets | $5,239,121,000 | 221 |
| Average earning assets | $4,925,690,500 | 214 |
| Average equity | $970,933,000 | 168 |
| Average total loans | $3,109,184,500 | 251 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 945 |
| Cost of funding earning assets | 0.4253% | 3,827 |
| Net interest margin | 4.6228% | 574 |
| Noninterest income to average assets | 0.4514% | 3,093 |
| Noninterest expense to average assets | 2.6822% | 3,086 |
| Loan and lease loss provision to assets | 0.4550% | 281 |
| Net operating income to assets | 1.0972% | 2,609 |
| Return on assets (ROA) | 1.0972% | 2,607 |
| Pretax return on assets | 1.6566% | 1,292 |
| Return on Equity (ROE) | 6.1530% | 4,129 |
| Retained earnings to average equity (ytd only) | 6.1530% | 2,114 |
| Net charge-offs to loans | 1.4297% | 80 |
| Credit loss provision to net charge-offs | 50.9839% | 3,175 |
| Earnings coverage of net charge-offs (x) | 2.3659% | 3,530 |
| Efficiency ratio | 54.8956% | 4,531 |
| Assets per employee ($millions) | 5.1883% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5574% | 81 |
| Loan loss allowance to noncurrent loans | 60.5027% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 4.5924% | 78 |
| Noncurrent loans to loans | 5.8797% | 78 |
| Net loans and leases to total assets | 57.9969% | 3,961 |
| Net loans and leases to deposits | 72.6978% | 3,608 |
| Net loans and leases to core deposits | 79.7515% | 3,449 |
| Total domestic deposits to total assets | 79.7781% | 4,153 |
| Equity capital to assets | 18.4931% | 302 |
| Core capital (leverage) ratio | 18.2149% | 314 |
| Tier 1 risk-based capital ratio | 33.0199% | 364 |
| Total risk-based capital ratio | 34.3025% | 358 |
| Memoranda: | ||
| Average total assets | $5,192,434,000 | 219 |
| Average earning assets | $4,877,423,400 | 212 |
| Average equity | $925,904,200 | 169 |
| Average total loans | $3,241,569,400 | 238 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0273% | 889 |
| Cost of funding earning assets | 0.3973% | 3,876 |
| Net interest margin | 4.6300% | 555 |
| Noninterest income to average assets | 0.3909% | 3,538 |
| Noninterest expense to average assets | 2.6292% | 3,201 |
| Loan and lease loss provision to assets | 0.5885% | 175 |
| Net operating income to assets | 1.0294% | 2,969 |
| Return on assets (ROA) | 1.0294% | 2,980 |
| Pretax return on assets | 1.5176% | 1,846 |
| Return on Equity (ROE) | 5.8268% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.8268% | 2,744 |
| Net charge-offs to loans | 1.4575% | 84 |
| Credit loss provision to net charge-offs | 64.0873% | 2,696 |
| Earnings coverage of net charge-offs (x) | 2.2936% | 3,254 |
| Efficiency ratio | 54.4113% | 4,570 |
| Assets per employee ($millions) | 5.0550% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8080% | 72 |
| Loan loss allowance to noncurrent loans | 60.8620% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 4.9196% | 88 |
| Noncurrent loans to loans | 6.2568% | 71 |
| Net loans and leases to total assets | 58.2443% | 4,014 |
| Net loans and leases to deposits | 72.5152% | 3,727 |
| Net loans and leases to core deposits | 78.8817% | 3,577 |
| Total domestic deposits to total assets | 80.3202% | 4,037 |
| Equity capital to assets | 17.9169% | 339 |
| Core capital (leverage) ratio | 17.8368% | 341 |
| Tier 1 risk-based capital ratio | 30.7237% | 446 |
| Total risk-based capital ratio | 32.0074% | 436 |
| Memoranda: | ||
| Average total assets | $5,196,062,000 | 216 |
| Average earning assets | $4,875,429,500 | 208 |
| Average equity | $917,991,250 | 168 |
| Average total loans | $3,273,510,500 | 235 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 885 |
| Cost of funding earning assets | 0.3773% | 3,892 |
| Net interest margin | 4.5862% | 567 |
| Noninterest income to average assets | 0.4761% | 2,999 |
| Noninterest expense to average assets | 2.6909% | 3,044 |
| Loan and lease loss provision to assets | 0.5955% | 173 |
| Net operating income to assets | 0.9956% | 3,039 |
| Return on assets (ROA) | 0.9956% | 3,037 |
| Pretax return on assets | 1.4887% | 1,856 |
| Return on Equity (ROE) | 5.6622% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.6622% | 2,742 |
| Net charge-offs to loans | 1.0914% | 119 |
| Credit loss provision to net charge-offs | 85.4888% | 2,207 |
| Earnings coverage of net charge-offs (x) | 2.9921% | 2,925 |
| Efficiency ratio | 55.2140% | 4,565 |
| Assets per employee ($millions) | 5.0259% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0235% | 59 |
| Loan loss allowance to noncurrent loans | 59.2181% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 5.5404% | 73 |
| Noncurrent loans to loans | 6.7943% | 65 |
| Net loans and leases to total assets | 60.0112% | 3,811 |
| Net loans and leases to deposits | 74.8514% | 3,455 |
| Net loans and leases to core deposits | 83.4979% | 3,121 |
| Total domestic deposits to total assets | 80.1737% | 4,197 |
| Equity capital to assets | 17.7694% | 348 |
| Core capital (leverage) ratio | 17.9049% | 317 |
| Tier 1 risk-based capital ratio | 29.3494% | 499 |
| Total risk-based capital ratio | 30.6357% | 493 |
| Memoranda: | ||
| Average total assets | $5,184,123,330 | 213 |
| Average earning assets | $4,859,464,000 | 208 |
| Average equity | $911,525,330 | 168 |
| Average total loans | $3,308,712,000 | 229 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 877 |
| Cost of funding earning assets | 0.3583% | 3,923 |
| Net interest margin | 4.5382% | 567 |
| Noninterest income to average assets | 0.4686% | 3,001 |
| Noninterest expense to average assets | 2.7158% | 2,992 |
| Loan and lease loss provision to assets | 0.4907% | 213 |
| Net operating income to assets | 0.9904% | 2,890 |
| Return on assets (ROA) | 0.9904% | 2,919 |
| Pretax return on assets | 1.5192% | 1,629 |
| Return on Equity (ROE) | 5.6629% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.6629% | 2,863 |
| Net charge-offs to loans | 0.7611% | 188 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 4.0958% | 2,327 |
| Efficiency ratio | 56.2788% | 4,549 |
| Assets per employee ($millions) | 5.0754% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0526% | 62 |
| Loan loss allowance to noncurrent loans | 59.1212% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 5.6667% | 79 |
| Noncurrent loans to loans | 6.8547% | 75 |
| Net loans and leases to total assets | 60.2790% | 3,726 |
| Net loans and leases to deposits | 75.3558% | 3,284 |
| Net loans and leases to core deposits | 83.8035% | 2,999 |
| Total domestic deposits to total assets | 79.9925% | 4,416 |
| Equity capital to assets | 17.4008% | 366 |
| Core capital (leverage) ratio | 17.7451% | 324 |
| Tier 1 risk-based capital ratio | 28.7520% | 526 |
| Total risk-based capital ratio | 30.0389% | 521 |
| Memoranda: | ||
| Average total assets | $5,175,260,500 | 211 |
| Average earning assets | $4,854,710,500 | 205 |
| Average equity | $905,118,500 | 168 |
| Average total loans | $3,336,790,000 | 227 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 999 |
| Cost of funding earning assets | 0.4082% | 3,178 |
| Net interest margin | 4.3794% | 810 |
| Noninterest income to average assets | 0.7719% | 1,685 |
| Noninterest expense to average assets | 3.1968% | 1,616 |
| Loan and lease loss provision to assets | 1.9175% | 37 |
| Net operating income to assets | -0.0825% | 5,410 |
| Return on assets (ROA) | -0.0825% | 5,411 |
| Pretax return on assets | -0.2570% | 5,512 |
| Return on Equity (ROE) | -0.4795% | 5,399 |
| Retained earnings to average equity (ytd only) | -0.4795% | 5,115 |
| Net charge-offs to loans | 1.7569% | 84 |
| Credit loss provision to net charge-offs | 161.4943% | 1,657 |
| Earnings coverage of net charge-offs (x) | 1.3985% | 3,891 |
| Efficiency ratio | 60.4055% | 4,200 |
| Assets per employee ($millions) | 4.8276% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9496% | 64 |
| Loan loss allowance to noncurrent loans | 59.6557% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 5.8247% | 68 |
| Noncurrent loans to loans | 6.6206% | 70 |
| Net loans and leases to total assets | 63.5568% | 3,413 |
| Net loans and leases to deposits | 78.9495% | 3,017 |
| Net loans and leases to core deposits | 88.4640% | 2,686 |
| Total domestic deposits to total assets | 80.5031% | 4,250 |
| Equity capital to assets | 17.5803% | 352 |
| Core capital (leverage) ratio | 17.5126% | 328 |
| Tier 1 risk-based capital ratio | 27.5023% | 571 |
| Total risk-based capital ratio | 28.7878% | 557 |
| Memoranda: | ||
| Average total assets | $5,252,818,600 | 205 |
| Average earning assets | $4,900,272,200 | 197 |
| Average equity | $903,583,400 | 161 |
| Average total loans | $3,550,036,200 | 213 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8321% | 868 |
| Cost of funding earning assets | 0.4402% | 2,809 |
| Net interest margin | 4.3919% | 738 |
| Noninterest income to average assets | 0.8712% | 1,366 |
| Noninterest expense to average assets | 2.9521% | 2,245 |
| Loan and lease loss provision to assets | 2.1042% | 36 |
| Net operating income to assets | 0.0419% | 5,486 |
| Return on assets (ROA) | 0.0419% | 5,493 |
| Pretax return on assets | -0.0869% | 5,539 |
| Return on Equity (ROE) | 0.2447% | 5,502 |
| Retained earnings to average equity (ytd only) | 0.2447% | 5,166 |
| Net charge-offs to loans | 1.7921% | 83 |
| Credit loss provision to net charge-offs | 172.8628% | 1,514 |
| Earnings coverage of net charge-offs (x) | 1.6572% | 3,557 |
| Efficiency ratio | 58.2010% | 4,472 |
| Assets per employee ($millions) | 4.6029% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8233% | 78 |
| Loan loss allowance to noncurrent loans | 57.5014% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 6.0398% | 67 |
| Noncurrent loans to loans | 6.6490% | 83 |
| Net loans and leases to total assets | 64.3361% | 3,343 |
| Net loans and leases to deposits | 80.2669% | 2,944 |
| Net loans and leases to core deposits | 90.1570% | 2,597 |
| Total domestic deposits to total assets | 80.1527% | 4,286 |
| Equity capital to assets | 17.6752% | 364 |
| Core capital (leverage) ratio | 17.2906% | 355 |
| Tier 1 risk-based capital ratio | 26.9873% | 623 |
| Total risk-based capital ratio | 28.2713% | 612 |
| Memoranda: | ||
| Average total assets | $5,289,113,750 | 204 |
| Average earning assets | $4,935,386,500 | 197 |
| Average equity | $904,995,250 | 161 |
| Average total loans | $3,592,611,000 | 208 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 917 |
| Cost of funding earning assets | 0.4719% | 2,397 |
| Net interest margin | 4.2993% | 864 |
| Noninterest income to average assets | 0.9126% | 1,236 |
| Noninterest expense to average assets | 2.9543% | 2,253 |
| Loan and lease loss provision to assets | 1.1958% | 82 |
| Net operating income to assets | 0.5667% | 4,443 |
| Return on assets (ROA) | 0.5667% | 4,495 |
| Pretax return on assets | 0.7878% | 4,320 |
| Return on Equity (ROE) | 3.3469% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.3469% | 3,725 |
| Net charge-offs to loans | 1.9090% | 91 |
| Credit loss provision to net charge-offs | 91.7826% | 2,122 |
| Earnings coverage of net charge-offs (x) | 1.5224% | 3,271 |
| Efficiency ratio | 59.8293% | 4,339 |
| Assets per employee ($millions) | 4.8624% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5800% | 260 |
| Loan loss allowance to noncurrent loans | 47.6691% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 5.0571% | 99 |
| Noncurrent loans to loans | 5.4123% | 127 |
| Net loans and leases to total assets | 63.9158% | 3,397 |
| Net loans and leases to deposits | 78.5949% | 3,058 |
| Net loans and leases to core deposits | 89.2958% | 2,588 |
| Total domestic deposits to total assets | 81.3232% | 4,098 |
| Equity capital to assets | 16.7683% | 433 |
| Core capital (leverage) ratio | 17.3735% | 338 |
| Tier 1 risk-based capital ratio | 27.6692% | 568 |
| Total risk-based capital ratio | 28.9391% | 554 |
| Memoranda: | ||
| Average total assets | $5,353,692,330 | 203 |
| Average earning assets | $5,012,437,330 | 199 |
| Average equity | $906,453,670 | 163 |
| Average total loans | $3,653,986,670 | 206 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7879% | 771 |
| Cost of funding earning assets | 0.4717% | 2,336 |
| Net interest margin | 4.3162% | 754 |
| Noninterest income to average assets | 0.8987% | 1,246 |
| Noninterest expense to average assets | 2.9573% | 2,281 |
| Loan and lease loss provision to assets | 1.1745% | 70 |
| Net operating income to assets | 0.5656% | 4,303 |
| Return on assets (ROA) | 0.5656% | 4,349 |
| Pretax return on assets | 0.8099% | 4,076 |
| Return on Equity (ROE) | 3.3239% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.3239% | 3,772 |
| Net charge-offs to loans | 1.4457% | 113 |
| Credit loss provision to net charge-offs | 116.7079% | 1,425 |
| Earnings coverage of net charge-offs (x) | 1.9719% | 2,654 |
| Efficiency ratio | 59.8435% | 4,473 |
| Assets per employee ($millions) | 4.6400% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6843% | 260 |
| Loan loss allowance to noncurrent loans | 47.3403% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 5.5035% | 94 |
| Noncurrent loans to loans | 5.6701% | 126 |
| Net loans and leases to total assets | 66.9640% | 2,820 |
| Net loans and leases to deposits | 82.6877% | 2,434 |
| Net loans and leases to core deposits | 95.0682% | 1,890 |
| Total domestic deposits to total assets | 80.9843% | 4,416 |
| Equity capital to assets | 17.1975% | 366 |
| Core capital (leverage) ratio | 17.1733% | 352 |
| Tier 1 risk-based capital ratio | 27.1742% | 616 |
| Total risk-based capital ratio | 28.4457% | 602 |
| Memoranda: | ||
| Average total assets | $5,305,156,500 | 203 |
| Average earning assets | $4,969,326,000 | 197 |
| Average equity | $902,680,500 | 161 |
| Average total loans | $3,692,897,500 | 202 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 836 |
| Cost of funding earning assets | 0.4847% | 2,209 |
| Net interest margin | 4.3454% | 858 |
| Noninterest income to average assets | 0.9782% | 1,204 |
| Noninterest expense to average assets | 3.1176% | 1,981 |
| Loan and lease loss provision to assets | 1.3066% | 73 |
| Net operating income to assets | 0.4791% | 4,714 |
| Return on assets (ROA) | 0.4791% | 4,788 |
| Pretax return on assets | 0.6299% | 4,708 |
| Return on Equity (ROE) | 2.8770% | 5,192 |
| Retained earnings to average equity (ytd only) | 2.8172% | 3,899 |
| Net charge-offs to loans | 1.4918% | 94 |
| Credit loss provision to net charge-offs | 120.9048% | 2,196 |
| Earnings coverage of net charge-offs (x) | 1.7919% | 3,940 |
| Efficiency ratio | 61.6844% | 4,314 |
| Assets per employee ($millions) | 4.6509% | 2,876 |
| Cash dividends to net income (ytd only)* | 2.0803% | 4,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5310% | 297 |
| Loan loss allowance to noncurrent loans | 45.3136% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 5.4748% | 101 |
| Noncurrent loans to loans | 5.5854% | 124 |
| Net loans and leases to total assets | 68.6161% | 2,684 |
| Net loans and leases to deposits | 85.0637% | 2,302 |
| Net loans and leases to core deposits | 100.5397% | 1,577 |
| Total domestic deposits to total assets | 80.6644% | 4,419 |
| Equity capital to assets | 16.8351% | 407 |
| Core capital (leverage) ratio | 16.8768% | 368 |
| Tier 1 risk-based capital ratio | 26.2021% | 686 |
| Total risk-based capital ratio | 27.4718% | 660 |
| Memoranda: | ||
| Average total assets | $5,307,613,400 | 195 |
| Average earning assets | $4,978,553,600 | 187 |
| Average equity | $883,861,400 | 157 |
| Average total loans | $3,845,029,800 | 188 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 810 |
| Cost of funding earning assets | 0.4815% | 2,246 |
| Net interest margin | 4.3682% | 821 |
| Noninterest income to average assets | 0.9999% | 1,150 |
| Noninterest expense to average assets | 3.1597% | 1,876 |
| Loan and lease loss provision to assets | 1.1884% | 77 |
| Net operating income to assets | 0.5294% | 4,576 |
| Return on assets (ROA) | 0.5294% | 4,677 |
| Pretax return on assets | 0.7527% | 4,466 |
| Return on Equity (ROE) | 3.1879% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.1077% | 4,049 |
| Net charge-offs to loans | 1.4108% | 100 |
| Credit loss provision to net charge-offs | 115.4564% | 2,151 |
| Earnings coverage of net charge-offs (x) | 1.8858% | 3,647 |
| Efficiency ratio | 61.9447% | 4,241 |
| Assets per employee ($millions) | 4.3951% | 3,260 |
| Cash dividends to net income (ytd only)* | 2.5139% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3588% | 400 |
| Loan loss allowance to noncurrent loans | 42.1499% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 5.6110% | 111 |
| Noncurrent loans to loans | 5.5962% | 134 |
| Net loans and leases to total assets | 70.4515% | 2,425 |
| Net loans and leases to deposits | 86.5818% | 2,202 |
| Net loans and leases to core deposits | 99.1728% | 1,715 |
| Total domestic deposits to total assets | 81.3698% | 4,143 |
| Equity capital to assets | 16.5874% | 474 |
| Core capital (leverage) ratio | 16.4988% | 417 |
| Tier 1 risk-based capital ratio | 25.3687% | 776 |
| Total risk-based capital ratio | 26.6364% | 757 |
| Memoranda: | ||
| Average total assets | $5,299,712,500 | 194 |
| Average earning assets | $4,975,552,250 | 187 |
| Average equity | $880,111,000 | 158 |
| Average total loans | $3,866,613,500 | 190 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 791 |
| Cost of funding earning assets | 0.4789% | 2,280 |
| Net interest margin | 4.3753% | 801 |
| Noninterest income to average assets | 1.0200% | 1,073 |
| Noninterest expense to average assets | 3.1706% | 1,886 |
| Loan and lease loss provision to assets | 1.2012% | 79 |
| Net operating income to assets | 0.5255% | 4,581 |
| Return on assets (ROA) | 0.5255% | 4,705 |
| Pretax return on assets | 0.7573% | 4,431 |
| Return on Equity (ROE) | 3.1630% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.0431% | 3,978 |
| Net charge-offs to loans | 1.3749% | 112 |
| Credit loss provision to net charge-offs | 119.3159% | 1,879 |
| Earnings coverage of net charge-offs (x) | 1.9454% | 3,350 |
| Efficiency ratio | 61.8155% | 4,373 |
| Assets per employee ($millions) | 4.4716% | 3,082 |
| Cash dividends to net income (ytd only)* | 3.7889% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2997% | 470 |
| Loan loss allowance to noncurrent loans | 41.8108% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 5.4646% | 120 |
| Noncurrent loans to loans | 5.5003% | 149 |
| Net loans and leases to total assets | 71.4031% | 2,264 |
| Net loans and leases to deposits | 87.4013% | 2,080 |
| Net loans and leases to core deposits | 100.4105% | 1,600 |
| Total domestic deposits to total assets | 81.6956% | 4,091 |
| Equity capital to assets | 16.4634% | 489 |
| Core capital (leverage) ratio | 16.3070% | 431 |
| Tier 1 risk-based capital ratio | 24.8749% | 820 |
| Total risk-based capital ratio | 26.1418% | 804 |
| Memoranda: | ||
| Average total assets | $5,314,109,330 | 193 |
| Average earning assets | $4,990,732,330 | 186 |
| Average equity | $882,841,330 | 157 |
| Average total loans | $3,891,230,670 | 190 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 716 |
| Cost of funding earning assets | 0.4741% | 2,333 |
| Net interest margin | 4.4088% | 727 |
| Noninterest income to average assets | 0.9934% | 1,092 |
| Noninterest expense to average assets | 3.1707% | 1,905 |
| Loan and lease loss provision to assets | 1.1825% | 76 |
| Net operating income to assets | 0.5498% | 4,427 |
| Return on assets (ROA) | 0.5498% | 4,527 |
| Pretax return on assets | 0.7837% | 4,254 |
| Return on Equity (ROE) | 3.2951% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.0578% | 3,981 |
| Net charge-offs to loans | 1.4290% | 131 |
| Credit loss provision to net charge-offs | 112.9065% | 1,493 |
| Earnings coverage of net charge-offs (x) | 1.8773% | 2,760 |
| Efficiency ratio | 61.7237% | 4,481 |
| Assets per employee ($millions) | 4.5405% | 3,001 |
| Cash dividends to net income (ytd only)* | 7.2012% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 602 |
| Loan loss allowance to noncurrent loans | 40.9487% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 5.3722% | 145 |
| Noncurrent loans to loans | 5.3470% | 174 |
| Net loans and leases to total assets | 71.0067% | 2,191 |
| Net loans and leases to deposits | 86.4521% | 2,019 |
| Net loans and leases to core deposits | 99.1379% | 1,552 |
| Total domestic deposits to total assets | 82.1342% | 4,180 |
| Equity capital to assets | 16.0544% | 525 |
| Core capital (leverage) ratio | 16.0072% | 468 |
| Tier 1 risk-based capital ratio | 24.4359% | 872 |
| Total risk-based capital ratio | 25.7012% | 854 |
| Memoranda: | ||
| Average total assets | $5,344,094,000 | 191 |
| Average earning assets | $5,022,482,000 | 185 |
| Average equity | $891,758,000 | 153 |
| Average total loans | $3,916,883,500 | 189 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 840 |
| Cost of funding earning assets | 0.4637% | 2,499 |
| Net interest margin | 4.3928% | 810 |
| Noninterest income to average assets | 1.0893% | 990 |
| Noninterest expense to average assets | 2.8543% | 3,012 |
| Loan and lease loss provision to assets | 1.1798% | 66 |
| Net operating income to assets | 0.7956% | 3,358 |
| Return on assets (ROA) | 0.7956% | 3,439 |
| Pretax return on assets | 1.1903% | 2,696 |
| Return on Equity (ROE) | 4.8044% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.0800% | 3,099 |
| Net charge-offs to loans | 1.3408% | 123 |
| Credit loss provision to net charge-offs | 116.2772% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.3359% | 3,929 |
| Efficiency ratio | 54.6348% | 5,480 |
| Assets per employee ($millions) | 4.4312% | 3,149 |
| Cash dividends to net income (ytd only)* | 15.0790% | 3,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1026% | 684 |
| Loan loss allowance to noncurrent loans | 41.9131% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 5.2321% | 160 |
| Noncurrent loans to loans | 5.0166% | 189 |
| Net loans and leases to total assets | 72.4354% | 1,976 |
| Net loans and leases to deposits | 89.7286% | 1,645 |
| Net loans and leases to core deposits | 103.6541% | 1,245 |
| Total domestic deposits to total assets | 80.7273% | 4,560 |
| Equity capital to assets | 17.3192% | 378 |
| Core capital (leverage) ratio | 17.0480% | 361 |
| Tier 1 risk-based capital ratio | 25.7029% | 761 |
| Total risk-based capital ratio | 26.9668% | 740 |
| Memoranda: | ||
| Average total assets | $5,470,692,400 | 183 |
| Average earning assets | $5,149,631,200 | 178 |
| Average equity | $905,917,600 | 149 |
| Average total loans | $4,139,917,800 | 175 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8406% | 871 |
| Cost of funding earning assets | 0.4612% | 2,566 |
| Net interest margin | 4.3795% | 830 |
| Noninterest income to average assets | 1.0806% | 1,031 |
| Noninterest expense to average assets | 2.8794% | 2,909 |
| Loan and lease loss provision to assets | 1.1411% | 58 |
| Net operating income to assets | 0.7610% | 3,629 |
| Return on assets (ROA) | 0.7610% | 3,724 |
| Pretax return on assets | 1.1861% | 2,868 |
| Return on Equity (ROE) | 4.6471% | 4,779 |
| Retained earnings to average equity (ytd only) | 3.9188% | 3,673 |
| Net charge-offs to loans | 1.2897% | 126 |
| Credit loss provision to net charge-offs | 116.2938% | 2,040 |
| Earnings coverage of net charge-offs (x) | 2.3717% | 3,680 |
| Efficiency ratio | 55.3034% | 5,424 |
| Assets per employee ($millions) | 4.5368% | 2,943 |
| Cash dividends to net income (ytd only)* | 15.6732% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 906 |
| Loan loss allowance to noncurrent loans | 37.9455% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 5.2705% | 178 |
| Noncurrent loans to loans | 5.2970% | 182 |
| Net loans and leases to total assets | 72.2692% | 2,015 |
| Net loans and leases to deposits | 89.0765% | 1,758 |
| Net loans and leases to core deposits | 102.4178% | 1,351 |
| Total domestic deposits to total assets | 81.1316% | 4,441 |
| Equity capital to assets | 16.7931% | 460 |
| Core capital (leverage) ratio | 16.6264% | 413 |
| Tier 1 risk-based capital ratio | 25.0175% | 855 |
| Total risk-based capital ratio | 26.2801% | 843 |
| Memoranda: | ||
| Average total assets | $5,502,355,500 | 185 |
| Average earning assets | $5,183,891,500 | 176 |
| Average equity | $901,010,750 | 152 |
| Average total loans | $4,186,367,500 | 173 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 857 |
| Cost of funding earning assets | 0.4524% | 2,698 |
| Net interest margin | 4.3668% | 811 |
| Noninterest income to average assets | 1.1103% | 982 |
| Noninterest expense to average assets | 2.8660% | 3,012 |
| Loan and lease loss provision to assets | 1.1233% | 57 |
| Net operating income to assets | 0.7817% | 3,479 |
| Return on assets (ROA) | 0.7817% | 3,585 |
| Pretax return on assets | 1.2337% | 2,633 |
| Return on Equity (ROE) | 4.8142% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.0823% | 3,425 |
| Net charge-offs to loans | 1.3076% | 143 |
| Credit loss provision to net charge-offs | 111.7832% | 1,905 |
| Earnings coverage of net charge-offs (x) | 2.3456% | 3,358 |
| Efficiency ratio | 54.8734% | 5,516 |
| Assets per employee ($millions) | 4.5038% | 2,984 |
| Cash dividends to net income (ytd only)* | 15.2025% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 1,334 |
| Loan loss allowance to noncurrent loans | 38.2546% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 5.0793% | 211 |
| Noncurrent loans to loans | 4.7532% | 264 |
| Net loans and leases to total assets | 76.9834% | 1,225 |
| Net loans and leases to deposits | 94.7918% | 1,069 |
| Net loans and leases to core deposits | 108.9694% | 898 |
| Total domestic deposits to total assets | 81.2132% | 4,544 |
| Equity capital to assets | 16.6897% | 449 |
| Core capital (leverage) ratio | 16.3846% | 421 |
| Tier 1 risk-based capital ratio | 23.2646% | 1,040 |
| Total risk-based capital ratio | 24.5245% | 1,026 |
| Memoranda: | ||
| Average total assets | $5,521,753,670 | 184 |
| Average earning assets | $5,200,479,330 | 174 |
| Average equity | $896,600,330 | 152 |
| Average total loans | $4,243,438,670 | 169 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7801% | 895 |
| Cost of funding earning assets | 0.4438% | 2,843 |
| Net interest margin | 4.3363% | 817 |
| Noninterest income to average assets | 1.0150% | 1,088 |
| Noninterest expense to average assets | 2.9390% | 2,776 |
| Loan and lease loss provision to assets | 1.0667% | 71 |
| Net operating income to assets | 0.7194% | 3,702 |
| Return on assets (ROA) | 0.7194% | 3,832 |
| Pretax return on assets | 1.0968% | 3,094 |
| Return on Equity (ROE) | 4.4914% | 4,761 |
| Retained earnings to average equity (ytd only) | 3.7555% | 3,754 |
| Net charge-offs to loans | 1.2495% | 168 |
| Credit loss provision to net charge-offs | 112.1931% | 1,492 |
| Earnings coverage of net charge-offs (x) | 2.2755% | 2,790 |
| Efficiency ratio | 57.5999% | 5,377 |
| Assets per employee ($millions) | 4.8068% | 2,615 |
| Cash dividends to net income (ytd only)* | 16.3838% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8149% | 1,466 |
| Loan loss allowance to noncurrent loans | 38.1971% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 4.8174% | 261 |
| Noncurrent loans to loans | 4.7515% | 301 |
| Net loans and leases to total assets | 73.1504% | 1,629 |
| Net loans and leases to deposits | 89.2558% | 1,469 |
| Net loans and leases to core deposits | 101.3809% | 1,226 |
| Total domestic deposits to total assets | 81.9559% | 4,522 |
| Equity capital to assets | 16.0078% | 543 |
| Core capital (leverage) ratio | 16.2598% | 435 |
| Tier 1 risk-based capital ratio | 23.6889% | 1,026 |
| Total risk-based capital ratio | 24.9489% | 1,014 |
| Memoranda: | ||
| Average total assets | $5,569,091,000 | 178 |
| Average earning assets | $5,249,476,500 | 170 |
| Average equity | $892,018,500 | 152 |
| Average total loans | $4,237,496,000 | 167 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5449% | 1,711 |
| Cost of funding earning assets | 0.4638% | 3,036 |
| Net interest margin | 4.0811% | 1,645 |
| Noninterest income to average assets | 0.9607% | 1,319 |
| Noninterest expense to average assets | 2.8060% | 3,455 |
| Loan and lease loss provision to assets | 0.7525% | 168 |
| Net operating income to assets | 0.9003% | 2,867 |
| Return on assets (ROA) | 0.9002% | 2,962 |
| Pretax return on assets | 1.2627% | 2,382 |
| Return on Equity (ROE) | 6.3236% | 3,990 |
| Retained earnings to average equity (ytd only) | 5.5676% | 2,220 |
| Net charge-offs to loans | 1.0897% | 260 |
| Credit loss provision to net charge-offs | 87.6265% | 2,692 |
| Earnings coverage of net charge-offs (x) | 2.3468% | 4,179 |
| Efficiency ratio | 58.1998% | 5,437 |
| Assets per employee ($millions) | 4.6540% | 2,789 |
| Cash dividends to net income (ytd only)* | 11.9560% | 4,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7222% | 1,721 |
| Loan loss allowance to noncurrent loans | 37.2154% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 4.8556% | 291 |
| Noncurrent loans to loans | 4.6277% | 352 |
| Net loans and leases to total assets | 76.3561% | 1,215 |
| Net loans and leases to deposits | 93.2376% | 1,158 |
| Net loans and leases to core deposits | 104.4567% | 1,102 |
| Total domestic deposits to total assets | 81.8941% | 4,456 |
| Equity capital to assets | 16.0269% | 528 |
| Core capital (leverage) ratio | 14.6654% | 670 |
| Tier 1 risk-based capital ratio | 23.5088% | 1,004 |
| Total risk-based capital ratio | 24.7693% | 985 |
| Memoranda: | ||
| Average total assets | $6,098,193,800 | 165 |
| Average earning assets | $5,768,838,600 | 157 |
| Average equity | $868,060,800 | 148 |
| Average total loans | $4,805,887,200 | 147 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 1,975 |
| Cost of funding earning assets | 0.4660% | 3,092 |
| Net interest margin | 4.0052% | 1,864 |
| Noninterest income to average assets | 0.9684% | 1,313 |
| Noninterest expense to average assets | 2.7839% | 3,526 |
| Loan and lease loss provision to assets | 0.8909% | 130 |
| Net operating income to assets | 0.7132% | 3,872 |
| Return on assets (ROA) | 0.7130% | 3,977 |
| Pretax return on assets | 1.0890% | 3,236 |
| Return on Equity (ROE) | 5.1530% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.3927% | 3,523 |
| Net charge-offs to loans | 1.0713% | 275 |
| Credit loss provision to net charge-offs | 105.1859% | 2,112 |
| Earnings coverage of net charge-offs (x) | 2.3379% | 3,941 |
| Efficiency ratio | 58.4367% | 5,387 |
| Assets per employee ($millions) | 4.9503% | 2,298 |
| Cash dividends to net income (ytd only)* | 14.7542% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8056% | 1,682 |
| Loan loss allowance to noncurrent loans | 40.7474% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 4.6114% | 391 |
| Noncurrent loans to loans | 4.4312% | 449 |
| Net loans and leases to total assets | 76.2923% | 1,183 |
| Net loans and leases to deposits | 91.5688% | 1,276 |
| Net loans and leases to core deposits | 102.8491% | 1,160 |
| Total domestic deposits to total assets | 83.3170% | 4,022 |
| Equity capital to assets | 14.9125% | 750 |
| Core capital (leverage) ratio | 14.2415% | 786 |
| Tier 1 risk-based capital ratio | 23.3085% | 1,077 |
| Total risk-based capital ratio | 24.5718% | 1,059 |
| Memoranda: | ||
| Average total assets | $6,238,169,750 | 163 |
| Average earning assets | $5,911,715,500 | 152 |
| Average equity | $863,172,250 | 148 |
| Average total loans | $4,931,627,000 | 141 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 2,066 |
| Cost of funding earning assets | 0.4795% | 3,030 |
| Net interest margin | 3.9485% | 1,976 |
| Noninterest income to average assets | 0.9081% | 1,473 |
| Noninterest expense to average assets | 2.7685% | 3,618 |
| Loan and lease loss provision to assets | 0.8583% | 139 |
| Net operating income to assets | 0.7155% | 3,757 |
| Return on assets (ROA) | 0.7153% | 3,852 |
| Pretax return on assets | 1.0221% | 3,387 |
| Return on Equity (ROE) | 5.2968% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.5320% | 3,294 |
| Net charge-offs to loans | 1.0571% | 322 |
| Credit loss provision to net charge-offs | 102.1580% | 1,942 |
| Earnings coverage of net charge-offs (x) | 2.2385% | 3,595 |
| Efficiency ratio | 59.5480% | 5,356 |
| Assets per employee ($millions) | 5.0414% | 2,160 |
| Cash dividends to net income (ytd only)* | 14.4378% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 2,057 |
| Loan loss allowance to noncurrent loans | 39.9618% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 4.5383% | 429 |
| Noncurrent loans to loans | 4.3164% | 519 |
| Net loans and leases to total assets | 76.7560% | 1,077 |
| Net loans and leases to deposits | 91.4093% | 1,225 |
| Net loans and leases to core deposits | 101.7203% | 1,156 |
| Total domestic deposits to total assets | 83.9697% | 3,927 |
| Equity capital to assets | 14.4322% | 840 |
| Core capital (leverage) ratio | 13.7334% | 907 |
| Tier 1 risk-based capital ratio | 22.6327% | 1,164 |
| Total risk-based capital ratio | 23.8950% | 1,145 |
| Memoranda: | ||
| Average total assets | $6,353,947,000 | 156 |
| Average earning assets | $6,019,935,670 | 146 |
| Average equity | $858,073,330 | 149 |
| Average total loans | $5,049,869,670 | 139 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 2,349 |
| Cost of funding earning assets | 0.4870% | 3,042 |
| Net interest margin | 3.8589% | 2,235 |
| Noninterest income to average assets | 0.8919% | 1,418 |
| Noninterest expense to average assets | 2.7499% | 3,748 |
| Loan and lease loss provision to assets | 1.0757% | 101 |
| Net operating income to assets | 0.5370% | 4,518 |
| Return on assets (ROA) | 0.5365% | 4,594 |
| Pretax return on assets | 0.7228% | 4,409 |
| Return on Equity (ROE) | 4.1033% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.3332% | 4,129 |
| Net charge-offs to loans | 1.0042% | 334 |
| Credit loss provision to net charge-offs | 133.7223% | 1,356 |
| Earnings coverage of net charge-offs (x) | 2.2365% | 2,926 |
| Efficiency ratio | 60.4505% | 5,343 |
| Assets per employee ($millions) | 5.3555% | 1,856 |
| Cash dividends to net income (ytd only)* | 18.7672% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 2,479 |
| Loan loss allowance to noncurrent loans | 43.0649% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 4.2799% | 528 |
| Noncurrent loans to loans | 3.8513% | 711 |
| Net loans and leases to total assets | 79.0884% | 649 |
| Net loans and leases to deposits | 92.9145% | 882 |
| Net loans and leases to core deposits | 103.6349% | 881 |
| Total domestic deposits to total assets | 85.1195% | 3,815 |
| Equity capital to assets | 13.4384% | 1,122 |
| Core capital (leverage) ratio | 12.7557% | 1,271 |
| Tier 1 risk-based capital ratio | 20.6000% | 1,558 |
| Total risk-based capital ratio | 21.8614% | 1,528 |
| Memoranda: | ||
| Average total assets | $6,518,703,500 | 154 |
| Average earning assets | $6,177,874,500 | 142 |
| Average equity | $852,381,500 | 150 |
| Average total loans | $5,222,165,000 | 132 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 3,592 |
| Cost of funding earning assets | 0.5406% | 3,192 |
| Net interest margin | 3.5951% | 3,484 |
| Noninterest income to average assets | 1.1222% | 1,118 |
| Noninterest expense to average assets | 2.7595% | 3,876 |
| Loan and lease loss provision to assets | 0.7337% | 301 |
| Net operating income to assets | 0.7936% | 3,320 |
| Return on assets (ROA) | 0.7152% | 3,810 |
| Pretax return on assets | 0.8889% | 3,810 |
| Return on Equity (ROE) | 6.0762% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.2724% | 2,434 |
| Net charge-offs to loans | 1.0912% | 513 |
| Credit loss provision to net charge-offs | 84.9377% | 2,898 |
| Earnings coverage of net charge-offs (x) | 1.9920% | 4,381 |
| Efficiency ratio | 61.5949% | 5,274 |
| Assets per employee ($millions) | 5.3102% | 1,836 |
| Cash dividends to net income (ytd only)* | 13.2279% | 3,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 3,119 |
| Loan loss allowance to noncurrent loans | 41.9529% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 4.0124% | 661 |
| Noncurrent loans to loans | 3.6114% | 848 |
| Net loans and leases to total assets | 78.6032% | 755 |
| Net loans and leases to deposits | 91.5258% | 1,109 |
| Net loans and leases to core deposits | 103.5737% | 938 |
| Total domestic deposits to total assets | 85.8809% | 3,323 |
| Equity capital to assets | 12.7293% | 1,406 |
| Core capital (leverage) ratio | 12.2324% | 1,480 |
| Tier 1 risk-based capital ratio | 20.0756% | 1,638 |
| Total risk-based capital ratio | 21.3352% | 1,608 |
| Memoranda: | ||
| Average total assets | $6,936,940,200 | 141 |
| Average earning assets | $6,479,396,800 | 137 |
| Average equity | $816,551,800 | 144 |
| Average total loans | $5,490,991,600 | 124 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 3,802 |
| Cost of funding earning assets | 0.5536% | 3,228 |
| Net interest margin | 3.5371% | 3,726 |
| Noninterest income to average assets | 0.9574% | 1,588 |
| Noninterest expense to average assets | 2.6933% | 4,038 |
| Loan and lease loss provision to assets | 0.6840% | 319 |
| Net operating income to assets | 0.7529% | 3,589 |
| Return on assets (ROA) | 0.6403% | 4,287 |
| Pretax return on assets | 0.7397% | 4,539 |
| Return on Equity (ROE) | 5.5467% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.7351% | 3,284 |
| Net charge-offs to loans | 1.0176% | 557 |
| Credit loss provision to net charge-offs | 85.0794% | 2,728 |
| Earnings coverage of net charge-offs (x) | 1.9319% | 4,179 |
| Efficiency ratio | 63.4257% | 4,898 |
| Assets per employee ($millions) | 5.4145% | 1,714 |
| Cash dividends to net income (ytd only)* | 14.6318% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 3,313 |
| Loan loss allowance to noncurrent loans | 46.7401% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 3.7950% | 858 |
| Noncurrent loans to loans | 3.2825% | 1,189 |
| Net loans and leases to total assets | 79.7632% | 575 |
| Net loans and leases to deposits | 93.4712% | 864 |
| Net loans and leases to core deposits | 107.4710% | 687 |
| Total domestic deposits to total assets | 85.3345% | 3,571 |
| Equity capital to assets | 12.2830% | 1,728 |
| Core capital (leverage) ratio | 11.5503% | 1,999 |
| Tier 1 risk-based capital ratio | 18.7571% | 2,062 |
| Total risk-based capital ratio | 20.0170% | 2,028 |
| Memoranda: | ||
| Average total assets | $7,005,094,500 | 139 |
| Average earning assets | $6,513,661,250 | 133 |
| Average equity | $808,608,750 | 144 |
| Average total loans | $5,534,000,750 | 122 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 4,126 |
| Cost of funding earning assets | 0.5755% | 3,164 |
| Net interest margin | 3.4208% | 4,110 |
| Noninterest income to average assets | 1.0070% | 1,515 |
| Noninterest expense to average assets | 2.6857% | 4,086 |
| Loan and lease loss provision to assets | 0.6585% | 371 |
| Net operating income to assets | 0.8409% | 3,096 |
| Return on assets (ROA) | 0.7273% | 3,849 |
| Pretax return on assets | 0.7306% | 4,575 |
| Return on Equity (ROE) | 6.4305% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.6141% | 2,664 |
| Net charge-offs to loans | 1.0600% | 568 |
| Credit loss provision to net charge-offs | 79.2641% | 2,639 |
| Earnings coverage of net charge-offs (x) | 1.8089% | 3,927 |
| Efficiency ratio | 64.1231% | 4,850 |
| Assets per employee ($millions) | 5.7270% | 1,393 |
| Cash dividends to net income (ytd only)* | 12.6969% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 3,583 |
| Loan loss allowance to noncurrent loans | 46.8485% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 3.6615% | 1,014 |
| Noncurrent loans to loans | 3.2039% | 1,370 |
| Net loans and leases to total assets | 77.9692% | 753 |
| Net loans and leases to deposits | 91.2779% | 1,026 |
| Net loans and leases to core deposits | 110.9725% | 526 |
| Total domestic deposits to total assets | 85.4196% | 3,683 |
| Equity capital to assets | 11.6093% | 2,209 |
| Core capital (leverage) ratio | 10.9758% | 2,380 |
| Tier 1 risk-based capital ratio | 18.1510% | 2,269 |
| Total risk-based capital ratio | 19.4102% | 2,227 |
| Memoranda: | ||
| Average total assets | $7,105,733,000 | 137 |
| Average earning assets | $6,608,501,330 | 132 |
| Average equity | $803,695,330 | 143 |
| Average total loans | $5,568,674,670 | 121 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 3,997 |
| Cost of funding earning assets | 0.6387% | 2,754 |
| Net interest margin | 3.3911% | 4,150 |
| Noninterest income to average assets | 1.1287% | 1,175 |
| Noninterest expense to average assets | 2.7093% | 4,020 |
| Loan and lease loss provision to assets | 0.6243% | 397 |
| Net operating income to assets | 0.7125% | 3,629 |
| Return on assets (ROA) | 0.7125% | 3,767 |
| Pretax return on assets | 0.9435% | 3,591 |
| Return on Equity (ROE) | 6.3828% | 3,831 |
| Retained earnings to average equity (ytd only) | 5.5599% | 2,925 |
| Net charge-offs to loans | 0.7977% | 764 |
| Credit loss provision to net charge-offs | 100.3510% | 1,812 |
| Earnings coverage of net charge-offs (x) | 2.5202% | 3,013 |
| Efficiency ratio | 63.3451% | 5,107 |
| Assets per employee ($millions) | 5.5765% | 1,598 |
| Cash dividends to net income (ytd only)* | 12.8928% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 3,120 |
| Loan loss allowance to noncurrent loans | 43.9599% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 4.0645% | 971 |
| Noncurrent loans to loans | 3.8083% | 1,211 |
| Net loans and leases to total assets | 74.2889% | 1,036 |
| Net loans and leases to deposits | 87.3581% | 1,205 |
| Net loans and leases to core deposits | 107.0649% | 598 |
| Total domestic deposits to total assets | 85.0395% | 4,020 |
| Equity capital to assets | 11.3653% | 2,564 |
| Core capital (leverage) ratio | 10.8051% | 2,453 |
| Tier 1 risk-based capital ratio | 18.1475% | 2,301 |
| Total risk-based capital ratio | 19.4089% | 2,269 |
| Memoranda: | ||
| Average total assets | $7,145,058,500 | 141 |
| Average earning assets | $6,633,445,500 | 135 |
| Average equity | $797,645,000 | 148 |
| Average total loans | $5,571,787,500 | 124 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 3,029 |
| Cost of funding earning assets | 0.7532% | 3,065 |
| Net interest margin | 3.8404% | 3,061 |
| Noninterest income to average assets | 0.8000% | 2,266 |
| Noninterest expense to average assets | 2.7375% | 4,261 |
| Loan and lease loss provision to assets | 0.7500% | 669 |
| Net operating income to assets | 0.7029% | 3,722 |
| Return on assets (ROA) | 0.7161% | 3,918 |
| Pretax return on assets | 0.8733% | 4,017 |
| Return on Equity (ROE) | 6.4656% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.6080% | 2,306 |
| Net charge-offs to loans | 1.2795% | 763 |
| Credit loss provision to net charge-offs | 73.1647% | 4,067 |
| Earnings coverage of net charge-offs (x) | 1.5678% | 4,657 |
| Efficiency ratio | 63.0085% | 5,076 |
| Assets per employee ($millions) | 5.6802% | 1,536 |
| Cash dividends to net income (ytd only)* | 13.2639% | 3,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 3,531 |
| Loan loss allowance to noncurrent loans | 37.8495% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 4.4416% | 935 |
| Noncurrent loans to loans | 4.0901% | 1,135 |
| Net loans and leases to total assets | 79.1254% | 550 |
| Net loans and leases to deposits | 95.9967% | 614 |
| Net loans and leases to core deposits | 119.7305% | 289 |
| Total domestic deposits to total assets | 82.4251% | 4,957 |
| Equity capital to assets | 10.9651% | 2,994 |
| Core capital (leverage) ratio | 10.6173% | 2,639 |
| Tier 1 risk-based capital ratio | 16.9358% | 2,686 |
| Total risk-based capital ratio | 18.1958% | 2,645 |
| Memoranda: | ||
| Average total assets | $6,909,465,600 | 138 |
| Average earning assets | $6,377,369,600 | 138 |
| Average equity | $765,284,400 | 148 |
| Average total loans | $5,536,061,200 | 119 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 2,943 |
| Cost of funding earning assets | 0.7623% | 3,253 |
| Net interest margin | 3.9029% | 2,904 |
| Noninterest income to average assets | 0.7056% | 2,690 |
| Noninterest expense to average assets | 2.7063% | 4,341 |
| Loan and lease loss provision to assets | 0.7425% | 672 |
| Net operating income to assets | 0.6393% | 4,196 |
| Return on assets (ROA) | 0.6454% | 4,421 |
| Pretax return on assets | 0.8627% | 4,250 |
| Return on Equity (ROE) | 5.8118% | 4,431 |
| Retained earnings to average equity (ytd only) | 4.9474% | 3,400 |
| Net charge-offs to loans | 1.2110% | 802 |
| Credit loss provision to net charge-offs | 76.5826% | 3,719 |
| Earnings coverage of net charge-offs (x) | 1.6472% | 4,453 |
| Efficiency ratio | 62.8884% | 4,996 |
| Assets per employee ($millions) | 5.3346% | 1,802 |
| Cash dividends to net income (ytd only)* | 14.8737% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 2,709 |
| Loan loss allowance to noncurrent loans | 40.1618% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 4.5403% | 1,013 |
| Noncurrent loans to loans | 4.5487% | 1,032 |
| Net loans and leases to total assets | 73.5645% | 1,311 |
| Net loans and leases to deposits | 91.0820% | 1,044 |
| Net loans and leases to core deposits | 114.3468% | 421 |
| Total domestic deposits to total assets | 80.7673% | 5,430 |
| Equity capital to assets | 10.9794% | 3,304 |
| Core capital (leverage) ratio | 10.7439% | 2,662 |
| Tier 1 risk-based capital ratio | 17.9836% | 2,359 |
| Total risk-based capital ratio | 19.2483% | 2,321 |
| Memoranda: | ||
| Average total assets | $6,836,222,500 | 140 |
| Average earning assets | $6,301,786,000 | 139 |
| Average equity | $759,166,750 | 150 |
| Average total loans | $5,472,934,750 | 120 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 2,554 |
| Cost of funding earning assets | 0.7681% | 3,452 |
| Net interest margin | 4.0205% | 2,411 |
| Noninterest income to average assets | 0.6644% | 2,871 |
| Noninterest expense to average assets | 2.7676% | 4,144 |
| Loan and lease loss provision to assets | 0.7770% | 659 |
| Net operating income to assets | 0.6215% | 4,270 |
| Return on assets (ROA) | 0.6279% | 4,484 |
| Pretax return on assets | 0.8267% | 4,374 |
| Return on Equity (ROE) | 5.6320% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.7605% | 3,440 |
| Net charge-offs to loans | 1.3204% | 804 |
| Credit loss provision to net charge-offs | 71.8975% | 3,514 |
| Earnings coverage of net charge-offs (x) | 1.4761% | 4,261 |
| Efficiency ratio | 63.4348% | 4,999 |
| Assets per employee ($millions) | 5.1060% | 2,025 |
| Cash dividends to net income (ytd only)* | 15.4742% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 2,761 |
| Loan loss allowance to noncurrent loans | 38.9205% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 4.8830% | 987 |
| Noncurrent loans to loans | 4.6928% | 1,105 |
| Net loans and leases to total assets | 78.6220% | 661 |
| Net loans and leases to deposits | 98.1395% | 518 |
| Net loans and leases to core deposits | 124.4848% | 254 |
| Total domestic deposits to total assets | 80.1124% | 5,710 |
| Equity capital to assets | 11.3372% | 2,746 |
| Core capital (leverage) ratio | 10.7074% | 2,586 |
| Tier 1 risk-based capital ratio | 17.3915% | 2,513 |
| Total risk-based capital ratio | 18.6561% | 2,474 |
| Memoranda: | ||
| Average total assets | $6,753,513,000 | 140 |
| Average earning assets | $6,212,608,330 | 139 |
| Average equity | $752,949,000 | 149 |
| Average total loans | $5,527,730,670 | 119 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 2,614 |
| Cost of funding earning assets | 0.8045% | 3,441 |
| Net interest margin | 4.0019% | 2,499 |
| Noninterest income to average assets | 0.7593% | 2,353 |
| Noninterest expense to average assets | 2.8293% | 3,903 |
| Loan and lease loss provision to assets | 0.9738% | 433 |
| Net operating income to assets | 0.4798% | 4,908 |
| Return on assets (ROA) | 0.4800% | 5,105 |
| Pretax return on assets | 0.6353% | 4,993 |
| Return on Equity (ROE) | 4.3420% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.4647% | 4,500 |
| Net charge-offs to loans | 1.5693% | 637 |
| Credit loss provision to net charge-offs | 75.0068% | 2,822 |
| Earnings coverage of net charge-offs (x) | 1.2392% | 3,717 |
| Efficiency ratio | 63.7503% | 4,969 |
| Assets per employee ($millions) | 5.0830% | 2,152 |
| Cash dividends to net income (ytd only)* | 20.2044% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 2,841 |
| Loan loss allowance to noncurrent loans | 40.5464% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 4.7163% | 1,115 |
| Noncurrent loans to loans | 4.5624% | 1,265 |
| Net loans and leases to total assets | 78.7484% | 519 |
| Net loans and leases to deposits | 99.6148% | 386 |
| Net loans and leases to core deposits | 129.1190% | 209 |
| Total domestic deposits to total assets | 79.0529% | 6,061 |
| Equity capital to assets | 10.8125% | 3,129 |
| Core capital (leverage) ratio | 10.6334% | 2,615 |
| Tier 1 risk-based capital ratio | 16.6328% | 2,852 |
| Total risk-based capital ratio | 17.8976% | 2,798 |
| Memoranda: | ||
| Average total assets | $6,767,949,000 | 139 |
| Average earning assets | $6,221,688,000 | 138 |
| Average equity | $748,230,000 | 148 |
| Average total loans | $5,598,891,500 | 114 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 3,143 |
| Cost of funding earning assets | 0.8026% | 4,845 |
| Net interest margin | 4.1400% | 2,267 |
| Noninterest income to average assets | 0.8398% | 1,886 |
| Noninterest expense to average assets | 2.6847% | 4,802 |
| Loan and lease loss provision to assets | 1.0489% | 883 |
| Net operating income to assets | 0.5671% | 4,162 |
| Return on assets (ROA) | 0.6094% | 4,136 |
| Pretax return on assets | 0.9563% | 3,407 |
| Return on Equity (ROE) | 5.6290% | 4,068 |
| Retained earnings to average equity (ytd only) | 4.7306% | 2,832 |
| Net charge-offs to loans | 1.9217% | 742 |
| Credit loss provision to net charge-offs | 66.9394% | 4,966 |
| Earnings coverage of net charge-offs (x) | 1.2375% | 4,851 |
| Efficiency ratio | 58.0628% | 6,051 |
| Assets per employee ($millions) | 4.8402% | 2,393 |
| Cash dividends to net income (ytd only)* | 15.9598% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9317% | 2,472 |
| Loan loss allowance to noncurrent loans | 42.5053% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 4.9396% | 1,086 |
| Noncurrent loans to loans | 4.5447% | 1,310 |
| Net loans and leases to total assets | 83.7083% | 222 |
| Net loans and leases to deposits | 105.4808% | 261 |
| Net loans and leases to core deposits | 139.8084% | 173 |
| Total domestic deposits to total assets | 79.3589% | 5,906 |
| Equity capital to assets | 11.3118% | 2,676 |
| Core capital (leverage) ratio | 10.6206% | 2,598 |
| Tier 1 risk-based capital ratio | 16.2049% | 2,953 |
| Total risk-based capital ratio | 17.4709% | 2,914 |
| Memoranda: | ||
| Average total assets | $6,747,511,200 | 143 |
| Average earning assets | $6,167,326,800 | 141 |
| Average equity | $730,534,800 | 146 |
| Average total loans | $5,502,183,000 | 116 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 3,402 |
| Cost of funding earning assets | 0.7907% | 5,209 |
| Net interest margin | 4.1446% | 2,290 |
| Noninterest income to average assets | 0.8298% | 1,929 |
| Noninterest expense to average assets | 2.6624% | 4,862 |
| Loan and lease loss provision to assets | 1.1428% | 707 |
| Net operating income to assets | 0.4673% | 4,687 |
| Return on assets (ROA) | 0.5234% | 4,620 |
| Pretax return on assets | 0.9016% | 3,760 |
| Return on Equity (ROE) | 4.8874% | 4,576 |
| Retained earnings to average equity (ytd only) | 3.9846% | 3,882 |
| Net charge-offs to loans | 2.1898% | 561 |
| Credit loss provision to net charge-offs | 64.7343% | 4,644 |
| Earnings coverage of net charge-offs (x) | 1.1084% | 4,799 |
| Efficiency ratio | 57.6380% | 6,067 |
| Assets per employee ($millions) | 4.7346% | 2,575 |
| Cash dividends to net income (ytd only)* | 18.4725% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0088% | 2,317 |
| Loan loss allowance to noncurrent loans | 41.4343% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 4.9987% | 1,150 |
| Noncurrent loans to loans | 4.8482% | 1,314 |
| Net loans and leases to total assets | 81.2341% | 412 |
| Net loans and leases to deposits | 101.6669% | 405 |
| Net loans and leases to core deposits | 127.0261% | 278 |
| Total domestic deposits to total assets | 79.9022% | 5,765 |
| Equity capital to assets | 11.0320% | 3,113 |
| Core capital (leverage) ratio | 10.4479% | 2,932 |
| Tier 1 risk-based capital ratio | 16.3417% | 2,945 |
| Total risk-based capital ratio | 17.6087% | 2,903 |
| Memoranda: | ||
| Average total assets | $6,787,524,250 | 143 |
| Average earning assets | $6,205,840,750 | 142 |
| Average equity | $726,879,000 | 149 |
| Average total loans | $5,472,011,000 | 114 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 3,165 |
| Cost of funding earning assets | 0.8212% | 5,234 |
| Net interest margin | 4.1773% | 2,134 |
| Noninterest income to average assets | 0.9220% | 1,577 |
| Noninterest expense to average assets | 2.6462% | 5,018 |
| Loan and lease loss provision to assets | 1.3762% | 534 |
| Net operating income to assets | 0.1541% | 5,870 |
| Return on assets (ROA) | 0.1543% | 5,968 |
| Pretax return on assets | 0.7087% | 4,356 |
| Return on Equity (ROE) | 1.4549% | 5,961 |
| Retained earnings to average equity (ytd only) | 0.5462% | 5,637 |
| Net charge-offs to loans | 2.0061% | 667 |
| Credit loss provision to net charge-offs | 85.8926% | 3,589 |
| Earnings coverage of net charge-offs (x) | 1.3011% | 4,310 |
| Efficiency ratio | 55.9356% | 6,430 |
| Assets per employee ($millions) | 6.4875% | 933 |
| Cash dividends to net income (ytd only)* | 62.4595% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4463% | 1,528 |
| Loan loss allowance to noncurrent loans | 44.3420% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 5.2863% | 1,147 |
| Noncurrent loans to loans | 5.5170% | 1,145 |
| Net loans and leases to total assets | 77.5500% | 838 |
| Net loans and leases to deposits | 106.3118% | 257 |
| Net loans and leases to core deposits | 138.0676% | 195 |
| Total domestic deposits to total assets | 72.9458% | 6,930 |
| Equity capital to assets | 10.4509% | 3,572 |
| Core capital (leverage) ratio | 10.0823% | 3,163 |
| Tier 1 risk-based capital ratio | 15.8341% | 3,062 |
| Total risk-based capital ratio | 17.1076% | 3,030 |
| Memoranda: | ||
| Average total assets | $6,810,585,000 | 143 |
| Average earning assets | $6,209,636,330 | 142 |
| Average equity | $722,117,000 | 151 |
| Average total loans | $5,439,526,000 | 114 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0398% | 2,908 |
| Cost of funding earning assets | 0.8518% | 5,260 |
| Net interest margin | 4.1880% | 1,929 |
| Noninterest income to average assets | 0.7854% | 2,093 |
| Noninterest expense to average assets | 2.7709% | 4,560 |
| Loan and lease loss provision to assets | 1.6367% | 371 |
| Net operating income to assets | -0.6239% | 6,880 |
| Return on assets (ROA) | -0.6237% | 6,883 |
| Pretax return on assets | 0.1646% | 6,018 |
| Return on Equity (ROE) | -5.8390% | 6,854 |
| Retained earnings to average equity (ytd only) | -6.7531% | 6,657 |
| Net charge-offs to loans | 2.7339% | 400 |
| Credit loss provision to net charge-offs | 74.7757% | 3,266 |
| Earnings coverage of net charge-offs (x) | 0.8228% | 4,024 |
| Efficiency ratio | 60.6065% | 5,890 |
| Assets per employee ($millions) | 6.4361% | 953 |
| Cash dividends to net income (ytd only)* | -15.6554% | 7,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4976% | 1,460 |
| Loan loss allowance to noncurrent loans | 42.4986% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 5.5481% | 1,086 |
| Noncurrent loans to loans | 5.8768% | 1,095 |
| Net loans and leases to total assets | 77.0660% | 866 |
| Net loans and leases to deposits | 109.9967% | 182 |
| Net loans and leases to core deposits | 146.5276% | 167 |
| Total domestic deposits to total assets | 70.0621% | 7,176 |
| Equity capital to assets | 10.4374% | 3,249 |
| Core capital (leverage) ratio | 9.8853% | 3,293 |
| Tier 1 risk-based capital ratio | 16.0761% | 2,871 |
| Total risk-based capital ratio | 17.3509% | 2,831 |
| Memoranda: | ||
| Average total assets | $6,722,363,000 | 146 |
| Average earning assets | $6,077,921,500 | 146 |
| Average equity | $718,070,500 | 149 |
| Average total loans | $5,382,130,000 | 116 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3949% | 2,695 |
| Cost of funding earning assets | 1.1231% | 5,010 |
| Net interest margin | 4.2717% | 1,911 |
| Noninterest income to average assets | 0.7721% | 2,415 |
| Noninterest expense to average assets | 2.8034% | 4,601 |
| Loan and lease loss provision to assets | 1.6455% | 870 |
| Net operating income to assets | 0.0961% | 5,599 |
| Return on assets (ROA) | 0.2161% | 5,383 |
| Pretax return on assets | 0.1355% | 5,631 |
| Return on Equity (ROE) | 2.0730% | 5,357 |
| Retained earnings to average equity (ytd only) | 1.7532% | 4,628 |
| Net charge-offs to loans | 2.1010% | 947 |
| Credit loss provision to net charge-offs | 96.4138% | 4,817 |
| Earnings coverage of net charge-offs (x) | 0.9732% | 5,135 |
| Efficiency ratio | 62.7952% | 5,556 |
| Assets per employee ($millions) | 6.2836% | 1,042 |
| Cash dividends to net income (ytd only)* | 15.4269% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 3,067 |
| Loan loss allowance to noncurrent loans | 33.8891% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 5.0743% | 1,255 |
| Noncurrent loans to loans | 5.1395% | 1,294 |
| Net loans and leases to total assets | 79.6981% | 699 |
| Net loans and leases to deposits | 119.7446% | 120 |
| Net loans and leases to core deposits | 149.1993% | 180 |
| Total domestic deposits to total assets | 66.5568% | 7,371 |
| Equity capital to assets | 10.9322% | 2,746 |
| Core capital (leverage) ratio | 10.8669% | 2,256 |
| Tier 1 risk-based capital ratio | 16.0839% | 2,709 |
| Total risk-based capital ratio | 17.3284% | 2,674 |
| Memoranda: | ||
| Average total assets | $6,563,305,800 | 148 |
| Average earning assets | $5,672,957,400 | 150 |
| Average equity | $684,168,200 | 152 |
| Average total loans | $5,331,491,200 | 117 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4577% | 2,613 |
| Cost of funding earning assets | 1.1657% | 5,057 |
| Net interest margin | 4.2920% | 1,872 |
| Noninterest income to average assets | 0.7552% | 2,478 |
| Noninterest expense to average assets | 2.7916% | 4,532 |
| Loan and lease loss provision to assets | 1.3962% | 964 |
| Net operating income to assets | 0.2467% | 5,365 |
| Return on assets (ROA) | 0.3973% | 4,942 |
| Pretax return on assets | 0.4233% | 5,158 |
| Return on Equity (ROE) | 3.8589% | 4,845 |
| Retained earnings to average equity (ytd only) | 3.7326% | 3,836 |
| Net charge-offs to loans | 2.0332% | 926 |
| Credit loss provision to net charge-offs | 84.5051% | 4,979 |
| Earnings coverage of net charge-offs (x) | 1.0043% | 5,058 |
| Efficiency ratio | 62.7189% | 5,482 |
| Assets per employee ($millions) | 6.0875% | 1,184 |
| Cash dividends to net income (ytd only)* | 3.2721% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 3,374 |
| Loan loss allowance to noncurrent loans | 28.9372% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 5.4194% | 1,152 |
| Noncurrent loans to loans | 5.6632% | 1,160 |
| Net loans and leases to total assets | 80.3126% | 694 |
| Net loans and leases to deposits | 118.6312% | 126 |
| Net loans and leases to core deposits | 147.4351% | 201 |
| Total domestic deposits to total assets | 67.6994% | 7,399 |
| Equity capital to assets | 11.5760% | 2,474 |
| Core capital (leverage) ratio | 10.8874% | 2,347 |
| Tier 1 risk-based capital ratio | 16.3876% | 2,602 |
| Total risk-based capital ratio | 17.6472% | 2,550 |
| Memoranda: | ||
| Average total assets | $6,543,684,750 | 147 |
| Average earning assets | $5,634,585,000 | 148 |
| Average equity | $673,686,750 | 151 |
| Average total loans | $5,317,561,000 | 118 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4844% | 2,599 |
| Cost of funding earning assets | 1.1554% | 5,373 |
| Net interest margin | 4.3290% | 1,676 |
| Noninterest income to average assets | 0.7760% | 2,250 |
| Noninterest expense to average assets | 2.7165% | 4,841 |
| Loan and lease loss provision to assets | 1.2401% | 1,126 |
| Net operating income to assets | 0.3883% | 4,800 |
| Return on assets (ROA) | 0.5525% | 4,222 |
| Pretax return on assets | 0.7957% | 3,898 |
| Return on Equity (ROE) | 5.5909% | 4,000 |
| Retained earnings to average equity (ytd only) | 5.5909% | 2,562 |
| Net charge-offs to loans | 1.7764% | 1,047 |
| Credit loss provision to net charge-offs | 86.0383% | 4,546 |
| Earnings coverage of net charge-offs (x) | 1.2473% | 4,572 |
| Efficiency ratio | 60.1759% | 6,018 |
| Assets per employee ($millions) | 5.1818% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 2,872 |
| Loan loss allowance to noncurrent loans | 37.8990% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 4.2575% | 1,574 |
| Noncurrent loans to loans | 4.6340% | 1,554 |
| Net loans and leases to total assets | 77.7733% | 1,152 |
| Net loans and leases to deposits | 112.3646% | 228 |
| Net loans and leases to core deposits | 143.8880% | 243 |
| Total domestic deposits to total assets | 69.2152% | 7,377 |
| Equity capital to assets | 10.0561% | 3,942 |
| Core capital (leverage) ratio | 9.4291% | 3,919 |
| Tier 1 risk-based capital ratio | 14.4646% | 3,467 |
| Total risk-based capital ratio | 17.1288% | 2,692 |
| Memoranda: | ||
| Average total assets | $6,600,379,670 | 146 |
| Average earning assets | $5,699,697,670 | 146 |
| Average equity | $652,313,000 | 155 |
| Average total loans | $5,355,384,670 | 117 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4925% | 2,624 |
| Cost of funding earning assets | 1.1407% | 5,696 |
| Net interest margin | 4.3518% | 1,532 |
| Noninterest income to average assets | 0.7206% | 2,464 |
| Noninterest expense to average assets | 2.6332% | 5,217 |
| Loan and lease loss provision to assets | 0.9314% | 1,357 |
| Net operating income to assets | 0.5496% | 4,138 |
| Return on assets (ROA) | 0.7499% | 3,317 |
| Pretax return on assets | 1.2599% | 2,176 |
| Return on Equity (ROE) | 7.6544% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.6544% | 1,857 |
| Net charge-offs to loans | 1.5439% | 1,125 |
| Credit loss provision to net charge-offs | 73.4642% | 4,022 |
| Earnings coverage of net charge-offs (x) | 1.4816% | 3,844 |
| Efficiency ratio | 58.3667% | 6,428 |
| Assets per employee ($millions) | 5.3933% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 3,005 |
| Loan loss allowance to noncurrent loans | 39.7994% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 3.9623% | 1,740 |
| Noncurrent loans to loans | 4.3106% | 1,762 |
| Net loans and leases to total assets | 79.4983% | 907 |
| Net loans and leases to deposits | 116.6935% | 176 |
| Net loans and leases to core deposits | 163.4916% | 176 |
| Total domestic deposits to total assets | 68.1258% | 7,520 |
| Equity capital to assets | 9.8619% | 4,041 |
| Core capital (leverage) ratio | 9.3905% | 3,922 |
| Tier 1 risk-based capital ratio | 13.9606% | 3,681 |
| Total risk-based capital ratio | 16.5848% | 2,901 |
| Memoranda: | ||
| Average total assets | $6,620,473,500 | 144 |
| Average earning assets | $5,767,189,500 | 146 |
| Average equity | $648,620,500 | 155 |
| Average total loans | $5,436,433,500 | 115 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9128% | 2,179 |
| Cost of funding earning assets | 1.9288% | 3,310 |
| Net interest margin | 3.9840% | 2,920 |
| Noninterest income to average assets | 0.8370% | 2,240 |
| Noninterest expense to average assets | 2.7548% | 5,148 |
| Loan and lease loss provision to assets | 1.3748% | 1,671 |
| Net operating income to assets | 0.1990% | 4,906 |
| Return on assets (ROA) | 0.3452% | 4,438 |
| Pretax return on assets | 0.4258% | 4,417 |
| Return on Equity (ROE) | 3.8765% | 4,137 |
| Retained earnings to average equity (ytd only) | 3.8765% | 2,498 |
| Net charge-offs to loans | 1.6696% | 1,513 |
| Credit loss provision to net charge-offs | 99.9844% | 5,584 |
| Earnings coverage of net charge-offs (x) | 1.1782% | 4,947 |
| Efficiency ratio | 62.9693% | 5,978 |
| Assets per employee ($millions) | 5.4834% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 2,611 |
| Loan loss allowance to noncurrent loans | 45.0667% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 3.7635% | 1,769 |
| Noncurrent loans to loans | 3.9519% | 1,872 |
| Net loans and leases to total assets | 81.8714% | 702 |
| Net loans and leases to deposits | 120.8963% | 165 |
| Net loans and leases to core deposits | 168.0354% | 253 |
| Total domestic deposits to total assets | 67.7203% | 7,567 |
| Equity capital to assets | 9.7319% | 4,102 |
| Core capital (leverage) ratio | 8.7723% | 4,803 |
| Tier 1 risk-based capital ratio | 12.9769% | 4,160 |
| Total risk-based capital ratio | 15.6020% | 3,239 |
| Memoranda: | ||
| Average total assets | $7,010,588,800 | 136 |
| Average earning assets | $6,225,274,200 | 137 |
| Average equity | $624,348,400 | 153 |
| Average total loans | $5,773,661,800 | 111 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0358% | 1,895 |
| Cost of funding earning assets | 2.1156% | 2,823 |
| Net interest margin | 3.9201% | 3,157 |
| Noninterest income to average assets | 0.7976% | 2,441 |
| Noninterest expense to average assets | 2.7490% | 5,110 |
| Loan and lease loss provision to assets | 1.3533% | 1,426 |
| Net operating income to assets | 0.1558% | 5,301 |
| Return on assets (ROA) | 0.3594% | 4,657 |
| Pretax return on assets | 0.4160% | 4,754 |
| Return on Equity (ROE) | 4.1237% | 4,331 |
| Retained earnings to average equity (ytd only) | 4.1237% | 2,973 |
| Net charge-offs to loans | 1.5815% | 1,293 |
| Credit loss provision to net charge-offs | 104.1998% | 4,880 |
| Earnings coverage of net charge-offs (x) | 1.1801% | 4,882 |
| Efficiency ratio | 64.2038% | 5,706 |
| Assets per employee ($millions) | 5.4212% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 2,269 |
| Loan loss allowance to noncurrent loans | 53.6006% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 3.2673% | 2,072 |
| Noncurrent loans to loans | 3.3605% | 2,250 |
| Net loans and leases to total assets | 82.3905% | 755 |
| Net loans and leases to deposits | 122.2120% | 167 |
| Net loans and leases to core deposits | 172.8306% | 247 |
| Total domestic deposits to total assets | 67.4161% | 7,613 |
| Equity capital to assets | 9.5266% | 4,709 |
| Core capital (leverage) ratio | 8.3874% | 5,684 |
| Tier 1 risk-based capital ratio | 12.4978% | 4,541 |
| Total risk-based capital ratio | 15.1012% | 3,579 |
| Memoranda: | ||
| Average total assets | $7,115,479,250 | 139 |
| Average earning assets | $6,323,791,500 | 140 |
| Average equity | $620,077,000 | 160 |
| Average total loans | $5,843,574,500 | 117 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0669% | 1,915 |
| Cost of funding earning assets | 2.2556% | 2,547 |
| Net interest margin | 3.8113% | 3,510 |
| Noninterest income to average assets | 0.8045% | 2,389 |
| Noninterest expense to average assets | 2.8860% | 4,551 |
| Loan and lease loss provision to assets | 1.1931% | 1,439 |
| Net operating income to assets | 0.0785% | 5,626 |
| Return on assets (ROA) | 0.2575% | 5,157 |
| Pretax return on assets | 0.3656% | 5,026 |
| Return on Equity (ROE) | 3.0418% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.0418% | 3,627 |
| Net charge-offs to loans | 1.4494% | 1,304 |
| Credit loss provision to net charge-offs | 100.8964% | 4,528 |
| Earnings coverage of net charge-offs (x) | 1.1018% | 4,690 |
| Efficiency ratio | 68.8962% | 4,996 |
| Assets per employee ($millions) | 5.6710% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 2,300 |
| Loan loss allowance to noncurrent loans | 54.9117% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 3.0096% | 2,113 |
| Noncurrent loans to loans | 3.1164% | 2,296 |
| Net loans and leases to total assets | 82.0329% | 952 |
| Net loans and leases to deposits | 120.2463% | 228 |
| Net loans and leases to core deposits | 176.2364% | 258 |
| Total domestic deposits to total assets | 68.2207% | 7,607 |
| Equity capital to assets | 9.0082% | 5,302 |
| Core capital (leverage) ratio | 7.9746% | 6,376 |
| Tier 1 risk-based capital ratio | 11.8732% | 5,022 |
| Total risk-based capital ratio | 14.4276% | 3,939 |
| Memoranda: | ||
| Average total assets | $7,264,620,330 | 143 |
| Average earning assets | $6,450,936,000 | 141 |
| Average equity | $615,023,670 | 165 |
| Average total loans | $5,926,559,330 | 120 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1952% | 1,619 |
| Cost of funding earning assets | 2.5057% | 1,898 |
| Net interest margin | 3.6895% | 3,935 |
| Noninterest income to average assets | 0.7678% | 2,493 |
| Noninterest expense to average assets | 3.0852% | 3,433 |
| Loan and lease loss provision to assets | 1.3678% | 936 |
| Net operating income to assets | -0.3804% | 6,764 |
| Return on assets (ROA) | 0.1162% | 6,096 |
| Pretax return on assets | 0.0847% | 6,197 |
| Return on Equity (ROE) | 1.4147% | 6,006 |
| Retained earnings to average equity (ytd only) | 1.4147% | 5,066 |
| Net charge-offs to loans | 1.5435% | 937 |
| Credit loss provision to net charge-offs | 109.7860% | 3,510 |
| Earnings coverage of net charge-offs (x) | 0.7672% | 4,410 |
| Efficiency ratio | 76.3469% | 3,429 |
| Assets per employee ($millions) | 5.9621% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 2,137 |
| Loan loss allowance to noncurrent loans | 53.5089% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 2.9695% | 1,902 |
| Noncurrent loans to loans | 3.1837% | 2,034 |
| Net loans and leases to total assets | 80.3567% | 1,321 |
| Net loans and leases to deposits | 111.8467% | 529 |
| Net loans and leases to core deposits | 159.9312% | 491 |
| Total domestic deposits to total assets | 71.8453% | 7,234 |
| Equity capital to assets | 8.4939% | 6,080 |
| Core capital (leverage) ratio | 7.0706% | 7,585 |
| Tier 1 risk-based capital ratio | 11.2271% | 5,671 |
| Total risk-based capital ratio | 13.7513% | 4,465 |
| Memoranda: | ||
| Average total assets | $7,457,472,500 | 141 |
| Average earning assets | $6,615,956,000 | 142 |
| Average equity | $612,702,000 | 161 |
| Average total loans | $6,019,229,000 | 121 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2381% | 4,310 |
| Cost of funding earning assets | 2.9462% | 2,074 |
| Net interest margin | 3.2920% | 6,067 |
| Noninterest income to average assets | 0.5351% | 4,361 |
| Noninterest expense to average assets | 2.6417% | 5,479 |
| Loan and lease loss provision to assets | 1.4269% | 963 |
| Net operating income to assets | -0.2108% | 6,632 |
| Return on assets (ROA) | -0.1030% | 6,352 |
| Pretax return on assets | -0.3354% | 6,492 |
| Return on Equity (ROE) | -1.4050% | 6,419 |
| Retained earnings to average equity (ytd only) | -10.7190% | 7,137 |
| Net charge-offs to loans | 1.7432% | 632 |
| Credit loss provision to net charge-offs | 104.0606% | 5,137 |
| Earnings coverage of net charge-offs (x) | 0.6732% | 5,821 |
| Efficiency ratio | 74.1038% | 3,554 |
| Assets per employee ($millions) | 6.6193% | 843 |
| Cash dividends to net income (ytd only)* | -662.9070% | 8,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 2,297 |
| Loan loss allowance to noncurrent loans | 55.7046% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 2.5437% | 1,907 |
| Noncurrent loans to loans | 2.8518% | 1,898 |
| Net loans and leases to total assets | 78.4835% | 2,004 |
| Net loans and leases to deposits | 119.6603% | 393 |
| Net loans and leases to core deposits | 166.3019% | 472 |
| Total domestic deposits to total assets | 65.5886% | 7,682 |
| Equity capital to assets | 7.9572% | 6,900 |
| Core capital (leverage) ratio | 6.8738% | 7,783 |
| Tier 1 risk-based capital ratio | 10.4448% | 6,268 |
| Total risk-based capital ratio | 12.8417% | 5,049 |
| Memoranda: | ||
| Average total assets | $8,345,801,800 | 128 |
| Average earning assets | $7,681,262,200 | 124 |
| Average equity | $612,091,600 | 163 |
| Average total loans | $6,565,099,800 | 112 |