Home > Bank of Hope > Performance and Condition Ratios
Bank of Hope, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6487% | 988 |
| Cost of funding earning assets | 2.7493% | 226 |
| Net interest margin | 2.8994% | 3,490 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.7779% | 4,034 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.7398% | 3,079 |
| Return on assets (ROA) | 0.7400% | 3,059 |
| Pretax return on assets | 0.9907% | 2,707 |
| Return on Equity (ROE) | 6.7900% | 3,333 |
| Retained earnings to average equity (ytd only) | -5.2473% | 4,397 |
| Net charge-offs to loans | 0.2194% | 493 |
| Credit loss provision to net charge-offs | 89.9314% | 1,950 |
| Earnings coverage of net charge-offs (x) | 7.0536% | 2,432 |
| Efficiency ratio | 60.4251% | 3,027 |
| Assets per employee ($millions) | 15.3256% | 196 |
| Cash dividends to net income (ytd only)* | 177.2820% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 2,578 |
| Loan loss allowance to noncurrent loans | 268.5950% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 1,714 |
| Noncurrent loans to loans | 0.4264% | 1,716 |
| Net loans and leases to total assets | 71.6200% | 1,628 |
| Net loans and leases to deposits | 92.6732% | 1,043 |
| Net loans and leases to core deposits | 124.5064% | 523 |
| Total domestic deposits to total assets | 77.2800% | 3,812 |
| Equity capital to assets | 11.4593% | 1,301 |
| Core capital (leverage) ratio | 9.9399% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7076% | 1,977 |
| Memoranda: | ||
| Average total assets | $19,856,160,400 | 93 |
| Average earning assets | $18,572,154,200 | 91 |
| Average equity | $2,164,156,400 | 93 |
| Average total loans | $14,747,936,000 | 85 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5475% | 960 |
| Cost of funding earning assets | 2.6326% | 224 |
| Net interest margin | 2.9149% | 3,513 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.7095% | 4,106 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.7817% | 3,081 |
| Return on assets (ROA) | 0.7815% | 3,070 |
| Pretax return on assets | 1.0556% | 2,694 |
| Return on Equity (ROE) | 7.2600% | 3,362 |
| Retained earnings to average equity (ytd only) | -7.9137% | 4,482 |
| Net charge-offs to loans | 0.2720% | 316 |
| Credit loss provision to net charge-offs | 89.7096% | 1,694 |
| Earnings coverage of net charge-offs (x) | 6.1512% | 2,314 |
| Efficiency ratio | 57.4598% | 3,269 |
| Assets per employee ($millions) | 13.7472% | 256 |
| Cash dividends to net income (ytd only)* | 209.0127% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 2,820 |
| Loan loss allowance to noncurrent loans | 218.1682% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 1,559 |
| Noncurrent loans to loans | 0.5081% | 1,545 |
| Net loans and leases to total assets | 70.5800% | 1,760 |
| Net loans and leases to deposits | 89.8220% | 1,251 |
| Net loans and leases to core deposits | 124.0162% | 457 |
| Total domestic deposits to total assets | 78.5800% | 3,755 |
| Equity capital to assets | 10.4440% | 1,577 |
| Core capital (leverage) ratio | 9.6467% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0017% | 2,271 |
| Memoranda: | ||
| Average total assets | $20,038,621,500 | 96 |
| Average earning assets | $18,742,286,000 | 92 |
| Average equity | $2,157,258,750 | 93 |
| Average total loans | $14,970,663,250 | 84 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3779% | 978 |
| Cost of funding earning assets | 2.4800% | 200 |
| Net interest margin | 2.8979% | 3,645 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.7184% | 4,124 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.8395% | 2,956 |
| Return on assets (ROA) | 0.8396% | 2,966 |
| Pretax return on assets | 1.1395% | 2,540 |
| Return on Equity (ROE) | 7.7200% | 3,308 |
| Retained earnings to average equity (ytd only) | -12.9887% | 4,544 |
| Net charge-offs to loans | -0.0058% | 3,750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.3464% | 3,270 |
| Assets per employee ($millions) | 13.8601% | 244 |
| Cash dividends to net income (ytd only)* | 268.2033% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 2,658 |
| Loan loss allowance to noncurrent loans | 128.6991% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 794 |
| Noncurrent loans to loans | 0.9013% | 848 |
| Net loans and leases to total assets | 72.4000% | 1,479 |
| Net loans and leases to deposits | 94.1868% | 844 |
| Net loans and leases to core deposits | 134.5397% | 269 |
| Total domestic deposits to total assets | 76.8700% | 3,963 |
| Equity capital to assets | 10.4798% | 1,608 |
| Core capital (leverage) ratio | 9.3877% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4158% | 2,498 |
| Memoranda: | ||
| Average total assets | $20,027,849,333 | 94 |
| Average earning assets | $18,741,227,333 | 90 |
| Average equity | $2,177,608,333 | 90 |
| Average total loans | $15,185,652,667 | 82 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 1,041 |
| Cost of funding earning assets | 2.1704% | 207 |
| Net interest margin | 2.9652% | 3,668 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.7483% | 4,119 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8598% | 2,992 |
| Return on assets (ROA) | 0.8610% | 2,937 |
| Pretax return on assets | 1.1670% | 2,522 |
| Return on Equity (ROE) | 7.7700% | 3,352 |
| Retained earnings to average equity (ytd only) | -28.7787% | 4,636 |
| Net charge-offs to loans | 0.0028% | 1,920 |
| Credit loss provision to net charge-offs | 1,574.0741% | 248 |
| Earnings coverage of net charge-offs (x) | 566.6019% | 202 |
| Efficiency ratio | 58.3512% | 3,152 |
| Assets per employee ($millions) | 13.9037% | 252 |
| Cash dividends to net income (ytd only)* | 470.1754% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 3,166 |
| Loan loss allowance to noncurrent loans | 126.2186% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 790 |
| Noncurrent loans to loans | 0.8530% | 894 |
| Net loans and leases to total assets | 73.0700% | 1,314 |
| Net loans and leases to deposits | 93.4849% | 816 |
| Net loans and leases to core deposits | 132.6088% | 248 |
| Total domestic deposits to total assets | 78.1700% | 3,988 |
| Equity capital to assets | 10.3523% | 1,639 |
| Core capital (leverage) ratio | 9.9615% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0604% | 2,711 |
| Memoranda: | ||
| Average total assets | $19,861,499,500 | 97 |
| Average earning assets | $18,571,348,000 | 93 |
| Average equity | $2,199,543,500 | 91 |
| Average total loans | $15,321,451,000 | 87 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 1,319 |
| Cost of funding earning assets | 0.7348% | 501 |
| Net interest margin | 3.4316% | 2,147 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.7237% | 4,134 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2655% | 1,544 |
| Return on assets (ROA) | 1.2573% | 1,523 |
| Pretax return on assets | 1.7097% | 898 |
| Return on Equity (ROE) | 10.1100% | 2,774 |
| Retained earnings to average equity (ytd only) | 4.2986% | 3,298 |
| Net charge-offs to loans | -0.0827% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.9842% | 4,187 |
| Assets per employee ($millions) | 12.3212% | 358 |
| Cash dividends to net income (ytd only)* | 57.4877% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,117 |
| Loan loss allowance to noncurrent loans | 271.0439% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 1,551 |
| Noncurrent loans to loans | 0.3876% | 1,759 |
| Net loans and leases to total assets | 79.8100% | 616 |
| Net loans and leases to deposits | 96.7633% | 599 |
| Net loans and leases to core deposits | 124.9708% | 291 |
| Total domestic deposits to total assets | 82.4800% | 3,536 |
| Equity capital to assets | 11.8494% | 974 |
| Core capital (leverage) ratio | 10.9399% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8469% | 2,434 |
| Memoranda: | ||
| Average total assets | $18,400,812,200 | 107 |
| Average earning assets | $17,197,498,400 | 103 |
| Average equity | $2,288,046,200 | 97 |
| Average total loans | $14,768,521,600 | 86 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 1,609 |
| Cost of funding earning assets | 0.4391% | 1,037 |
| Net interest margin | 3.4130% | 1,933 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.7119% | 4,128 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.3017% | 1,347 |
| Return on assets (ROA) | 1.2906% | 1,352 |
| Pretax return on assets | 1.7546% | 804 |
| Return on Equity (ROE) | 10.2500% | 2,649 |
| Retained earnings to average equity (ytd only) | 3.8552% | 3,493 |
| Net charge-offs to loans | -0.1700% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.7214% | 4,233 |
| Assets per employee ($millions) | 12.3090% | 348 |
| Cash dividends to net income (ytd only)* | 62.3986% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,331 |
| Loan loss allowance to noncurrent loans | 201.3506% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 1,279 |
| Noncurrent loans to loans | 0.5134% | 1,514 |
| Net loans and leases to total assets | 80.5700% | 486 |
| Net loans and leases to deposits | 98.7678% | 415 |
| Net loans and leases to core deposits | 122.4677% | 223 |
| Total domestic deposits to total assets | 81.5800% | 3,894 |
| Equity capital to assets | 11.6866% | 943 |
| Core capital (leverage) ratio | 11.0825% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6160% | 2,613 |
| Memoranda: | ||
| Average total assets | $18,211,163,000 | 109 |
| Average earning assets | $17,035,906,000 | 106 |
| Average equity | $2,292,487,750 | 99 |
| Average total loans | $14,597,455,750 | 89 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6063% | 1,826 |
| Cost of funding earning assets | 0.2748% | 1,960 |
| Net interest margin | 3.3315% | 1,815 |
| Noninterest income to average assets | 0.3120% | 3,293 |
| Noninterest expense to average assets | 1.6855% | 4,162 |
| Loan and lease loss provision to assets | -0.0828% | 4,572 |
| Net operating income to assets | 1.3516% | 1,018 |
| Return on assets (ROA) | 1.3330% | 1,042 |
| Pretax return on assets | 1.8078% | 587 |
| Return on Equity (ROE) | 10.3268% | 2,218 |
| Retained earnings to average equity (ytd only) | 4.3616% | 2,944 |
| Net charge-offs to loans | -0.2636% | 4,633 |
| Credit loss provision to net charge-offs | 41.4233% | 1,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7666% | 4,320 |
| Assets per employee ($millions) | 11.6818% | 409 |
| Cash dividends to net income (ytd only)* | 57.7643% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 3,440 |
| Loan loss allowance to noncurrent loans | 159.2662% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 1,058 |
| Noncurrent loans to loans | 0.6509% | 1,314 |
| Net loans and leases to total assets | 80.0230% | 406 |
| Net loans and leases to deposits | 96.0486% | 433 |
| Net loans and leases to core deposits | 110.1614% | 348 |
| Total domestic deposits to total assets | 83.3151% | 3,817 |
| Equity capital to assets | 12.5839% | 746 |
| Core capital (leverage) ratio | 11.3148% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2280% | 2,399 |
| Memoranda: | ||
| Average total assets | $17,921,910,000 | 109 |
| Average earning assets | $16,795,637,333 | 107 |
| Average equity | $2,313,427,333 | 100 |
| Average total loans | $14,285,549,000 | 87 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4607% | 1,914 |
| Cost of funding earning assets | 0.2236% | 2,477 |
| Net interest margin | 3.2372% | 1,761 |
| Noninterest income to average assets | 0.3119% | 3,233 |
| Noninterest expense to average assets | 1.6207% | 4,264 |
| Loan and lease loss provision to assets | -0.2421% | 4,711 |
| Net operating income to assets | 1.4597% | 697 |
| Return on assets (ROA) | 1.4376% | 727 |
| Pretax return on assets | 1.9452% | 407 |
| Return on Equity (ROE) | 10.9968% | 1,624 |
| Retained earnings to average equity (ytd only) | -0.8368% | 4,125 |
| Net charge-offs to loans | -0.5072% | 4,712 |
| Credit loss provision to net charge-offs | 61.4525% | 1,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0300% | 4,401 |
| Assets per employee ($millions) | 11.9134% | 405 |
| Cash dividends to net income (ytd only)* | 107.6091% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 3,561 |
| Loan loss allowance to noncurrent loans | 203.1467% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 1,448 |
| Noncurrent loans to loans | 0.5118% | 1,745 |
| Net loans and leases to total assets | 78.8545% | 309 |
| Net loans and leases to deposits | 96.2030% | 274 |
| Net loans and leases to core deposits | 107.4456% | 315 |
| Total domestic deposits to total assets | 81.9667% | 4,077 |
| Equity capital to assets | 12.8190% | 729 |
| Core capital (leverage) ratio | 11.1693% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3941% | 2,446 |
| Memoranda: | ||
| Average total assets | $17,841,189,000 | 111 |
| Average earning assets | $16,753,310,000 | 107 |
| Average equity | $2,332,347,500 | 102 |
| Average total loans | $14,117,111,000 | 87 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4619% | 2,768 |
| Cost of funding earning assets | 0.2720% | 2,687 |
| Net interest margin | 3.1900% | 2,628 |
| Noninterest income to average assets | 0.2270% | 4,021 |
| Noninterest expense to average assets | 1.6243% | 4,393 |
| Loan and lease loss provision to assets | -0.0709% | 4,445 |
| Net operating income to assets | 1.2331% | 1,800 |
| Return on assets (ROA) | 1.2296% | 1,872 |
| Pretax return on assets | 1.6588% | 1,249 |
| Return on Equity (ROE) | 9.1117% | 2,870 |
| Retained earnings to average equity (ytd only) | 3.6877% | 3,348 |
| Net charge-offs to loans | 0.3945% | 213 |
| Credit loss provision to net charge-offs | -22.5964% | 3,196 |
| Earnings coverage of net charge-offs (x) | 5.1580% | 2,463 |
| Efficiency ratio | 50.1327% | 4,274 |
| Assets per employee ($millions) | 12.0349% | 395 |
| Cash dividends to net income (ytd only)* | 59.5280% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,752 |
| Loan loss allowance to noncurrent loans | 184.2143% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 1,494 |
| Noncurrent loans to loans | 0.5430% | 1,768 |
| Net loans and leases to total assets | 77.7869% | 392 |
| Net loans and leases to deposits | 92.3604% | 446 |
| Net loans and leases to core deposits | 109.0530% | 303 |
| Total domestic deposits to total assets | 84.2211% | 3,498 |
| Equity capital to assets | 13.3255% | 817 |
| Core capital (leverage) ratio | 11.2015% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6842% | 2,370 |
| Memoranda: | ||
| Average total assets | $17,487,862,400 | 111 |
| Average earning assets | $16,390,004,600 | 110 |
| Average equity | $2,359,889,000 | 104 |
| Average total loans | $13,686,280,600 | 91 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4528% | 2,954 |
| Cost of funding earning assets | 0.2868% | 2,729 |
| Net interest margin | 3.1660% | 2,842 |
| Noninterest income to average assets | 0.2148% | 4,110 |
| Noninterest expense to average assets | 1.6249% | 4,435 |
| Loan and lease loss provision to assets | -0.1042% | 4,615 |
| Net operating income to assets | 1.2379% | 2,029 |
| Return on assets (ROA) | 1.2347% | 2,108 |
| Pretax return on assets | 1.6540% | 1,540 |
| Return on Equity (ROE) | 9.1201% | 3,074 |
| Retained earnings to average equity (ytd only) | 3.0032% | 3,907 |
| Net charge-offs to loans | 0.5518% | 141 |
| Credit loss provision to net charge-offs | -24.3482% | 3,091 |
| Earnings coverage of net charge-offs (x) | 3.6017% | 2,303 |
| Efficiency ratio | 50.7490% | 4,147 |
| Assets per employee ($millions) | 12.1791% | 356 |
| Cash dividends to net income (ytd only)* | 67.0703% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,820 |
| Loan loss allowance to noncurrent loans | 172.0319% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 1,430 |
| Noncurrent loans to loans | 0.5847% | 1,852 |
| Net loans and leases to total assets | 75.6509% | 572 |
| Net loans and leases to deposits | 89.2211% | 644 |
| Net loans and leases to core deposits | 102.1969% | 519 |
| Total domestic deposits to total assets | 84.7903% | 3,184 |
| Equity capital to assets | 13.2773% | 912 |
| Core capital (leverage) ratio | 11.0676% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6968% | 2,471 |
| Memoranda: | ||
| Average total assets | $17,388,880,000 | 111 |
| Average earning assets | $16,279,470,750 | 109 |
| Average equity | $2,354,086,750 | 102 |
| Average total loans | $13,594,902,750 | 90 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4528% | 3,024 |
| Cost of funding earning assets | 0.3066% | 2,724 |
| Net interest margin | 3.1462% | 2,900 |
| Noninterest income to average assets | 0.2057% | 4,174 |
| Noninterest expense to average assets | 1.6005% | 4,509 |
| Loan and lease loss provision to assets | -0.0417% | 4,494 |
| Net operating income to assets | 1.1968% | 2,205 |
| Return on assets (ROA) | 1.1930% | 2,285 |
| Pretax return on assets | 1.5853% | 1,777 |
| Return on Equity (ROE) | 8.7547% | 3,176 |
| Retained earnings to average equity (ytd only) | 5.4373% | 3,023 |
| Net charge-offs to loans | 0.1999% | 430 |
| Credit loss provision to net charge-offs | -27.2259% | 2,939 |
| Earnings coverage of net charge-offs (x) | 9.8291% | 1,820 |
| Efficiency ratio | 50.4526% | 4,197 |
| Assets per employee ($millions) | 12.0525% | 343 |
| Cash dividends to net income (ytd only)* | 37.8924% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 1,958 |
| Loan loss allowance to noncurrent loans | 135.9036% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 869 |
| Noncurrent loans to loans | 1.0342% | 1,185 |
| Net loans and leases to total assets | 76.0942% | 588 |
| Net loans and leases to deposits | 90.1173% | 648 |
| Net loans and leases to core deposits | 103.9602% | 536 |
| Total domestic deposits to total assets | 84.4390% | 3,297 |
| Equity capital to assets | 13.6447% | 799 |
| Core capital (leverage) ratio | 11.5649% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4852% | 2,169 |
| Memoranda: | ||
| Average total assets | $17,253,965,667 | 111 |
| Average earning assets | $16,140,579,000 | 108 |
| Average equity | $2,351,276,000 | 103 |
| Average total loans | $13,593,934,333 | 90 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4492% | 3,063 |
| Cost of funding earning assets | 0.3344% | 2,668 |
| Net interest margin | 3.1148% | 2,942 |
| Noninterest income to average assets | 0.2088% | 4,134 |
| Noninterest expense to average assets | 1.5988% | 4,534 |
| Loan and lease loss provision to assets | 0.0794% | 1,624 |
| Net operating income to assets | 1.0904% | 2,505 |
| Return on assets (ROA) | 1.0815% | 2,616 |
| Pretax return on assets | 1.4332% | 2,189 |
| Return on Equity (ROE) | 7.9412% | 3,345 |
| Retained earnings to average equity (ytd only) | 4.6870% | 3,319 |
| Net charge-offs to loans | 0.0615% | 913 |
| Credit loss provision to net charge-offs | 157.2927% | 965 |
| Earnings coverage of net charge-offs (x) | 31.1416% | 1,081 |
| Efficiency ratio | 50.8186% | 4,112 |
| Assets per employee ($millions) | 11.7844% | 369 |
| Cash dividends to net income (ytd only)* | 40.9783% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 1,553 |
| Loan loss allowance to noncurrent loans | 153.8097% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 968 |
| Noncurrent loans to loans | 0.9852% | 1,369 |
| Net loans and leases to total assets | 78.6020% | 429 |
| Net loans and leases to deposits | 94.3579% | 475 |
| Net loans and leases to core deposits | 113.4344% | 338 |
| Total domestic deposits to total assets | 83.3020% | 3,617 |
| Equity capital to assets | 13.5842% | 773 |
| Core capital (leverage) ratio | 11.2938% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3543% | 2,137 |
| Memoranda: | ||
| Average total assets | $17,148,944,000 | 111 |
| Average earning assets | $16,042,917,000 | 109 |
| Average equity | $2,335,459,000 | 103 |
| Average total loans | $13,651,628,500 | 91 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,054 |
| Cost of funding earning assets | 0.7609% | 1,392 |
| Net interest margin | 3.1292% | 3,553 |
| Noninterest income to average assets | 0.2388% | 4,072 |
| Noninterest expense to average assets | 1.6501% | 4,668 |
| Loan and lease loss provision to assets | 0.5744% | 367 |
| Net operating income to assets | 0.7222% | 3,360 |
| Return on assets (ROA) | 0.7605% | 3,364 |
| Pretax return on assets | 0.9781% | 3,114 |
| Return on Equity (ROE) | 5.4425% | 3,768 |
| Retained earnings to average equity (ytd only) | 1.2886% | 4,110 |
| Net charge-offs to loans | 0.0667% | 1,826 |
| Credit loss provision to net charge-offs | 1,104.2660% | 730 |
| Earnings coverage of net charge-offs (x) | 28.9125% | 1,644 |
| Efficiency ratio | 51.9087% | 4,391 |
| Assets per employee ($millions) | 11.9528% | 322 |
| Cash dividends to net income (ytd only)* | 76.3237% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,507 |
| Loan loss allowance to noncurrent loans | 183.9676% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 1,324 |
| Noncurrent loans to loans | 0.8275% | 1,692 |
| Net loans and leases to total assets | 78.1913% | 588 |
| Net loans and leases to deposits | 93.1723% | 707 |
| Net loans and leases to core deposits | 117.6914% | 344 |
| Total domestic deposits to total assets | 83.9212% | 3,139 |
| Equity capital to assets | 13.6534% | 887 |
| Core capital (leverage) ratio | 11.3287% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1395% | 2,189 |
| Memoranda: | ||
| Average total assets | $16,538,040,000 | 105 |
| Average earning assets | $15,407,647,200 | 103 |
| Average equity | $2,311,068,400 | 97 |
| Average total loans | $12,903,102,000 | 95 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 2,982 |
| Cost of funding earning assets | 0.8704% | 1,172 |
| Net interest margin | 3.1266% | 3,673 |
| Noninterest income to average assets | 0.2318% | 4,110 |
| Noninterest expense to average assets | 1.6560% | 4,673 |
| Loan and lease loss provision to assets | 0.5489% | 497 |
| Net operating income to assets | 0.7121% | 3,425 |
| Return on assets (ROA) | 0.7640% | 3,350 |
| Pretax return on assets | 1.0032% | 3,063 |
| Return on Equity (ROE) | 5.4343% | 3,742 |
| Retained earnings to average equity (ytd only) | 1.0382% | 4,244 |
| Net charge-offs to loans | 0.0837% | 1,471 |
| Credit loss provision to net charge-offs | 844.2777% | 943 |
| Earnings coverage of net charge-offs (x) | 22.8638% | 1,822 |
| Efficiency ratio | 52.2851% | 4,318 |
| Assets per employee ($millions) | 11.6516% | 342 |
| Cash dividends to net income (ytd only)* | 80.8958% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 1,877 |
| Loan loss allowance to noncurrent loans | 185.4840% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6895% | 1,685 |
| Noncurrent loans to loans | 0.7385% | 1,962 |
| Net loans and leases to total assets | 77.3954% | 914 |
| Net loans and leases to deposits | 92.3050% | 1,048 |
| Net loans and leases to core deposits | 117.2069% | 475 |
| Total domestic deposits to total assets | 83.8474% | 2,867 |
| Equity capital to assets | 13.8747% | 891 |
| Core capital (leverage) ratio | 11.1179% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5139% | 1,993 |
| Memoranda: | ||
| Average total assets | $16,396,429,000 | 104 |
| Average earning assets | $15,263,624,000 | 102 |
| Average equity | $2,305,001,500 | 96 |
| Average total loans | $12,733,638,500 | 96 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 2,987 |
| Cost of funding earning assets | 0.9957% | 996 |
| Net interest margin | 3.1272% | 3,842 |
| Noninterest income to average assets | 0.2557% | 3,942 |
| Noninterest expense to average assets | 1.6450% | 4,739 |
| Loan and lease loss provision to assets | 0.5588% | 591 |
| Net operating income to assets | 0.7298% | 3,284 |
| Return on assets (ROA) | 0.7351% | 3,380 |
| Pretax return on assets | 0.9687% | 3,118 |
| Return on Equity (ROE) | 5.2058% | 3,771 |
| Retained earnings to average equity (ytd only) | 0.2482% | 4,261 |
| Net charge-offs to loans | 0.0646% | 1,597 |
| Credit loss provision to net charge-offs | 1,117.1127% | 732 |
| Earnings coverage of net charge-offs (x) | 30.4029% | 1,424 |
| Efficiency ratio | 51.5483% | 4,393 |
| Assets per employee ($millions) | 11.6388% | 341 |
| Cash dividends to net income (ytd only)* | 95.2317% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,226 |
| Loan loss allowance to noncurrent loans | 143.6343% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 1,597 |
| Noncurrent loans to loans | 0.8742% | 1,744 |
| Net loans and leases to total assets | 74.1031% | 1,397 |
| Net loans and leases to deposits | 89.9423% | 1,360 |
| Net loans and leases to core deposits | 121.2765% | 395 |
| Total domestic deposits to total assets | 82.3896% | 3,269 |
| Equity capital to assets | 13.4555% | 994 |
| Core capital (leverage) ratio | 11.1863% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5757% | 1,968 |
| Memoranda: | ||
| Average total assets | $16,284,678,333 | 105 |
| Average earning assets | $15,154,117,333 | 104 |
| Average equity | $2,299,510,667 | 97 |
| Average total loans | $12,601,719,667 | 96 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5420% | 2,183 |
| Cost of funding earning assets | 1.1889% | 803 |
| Net interest margin | 3.3531% | 3,441 |
| Noninterest income to average assets | 0.2942% | 3,765 |
| Noninterest expense to average assets | 1.7652% | 4,705 |
| Loan and lease loss provision to assets | 0.7069% | 369 |
| Net operating income to assets | 0.7385% | 3,144 |
| Return on assets (ROA) | 0.7455% | 3,183 |
| Pretax return on assets | 0.9469% | 3,009 |
| Return on Equity (ROE) | 5.1484% | 3,583 |
| Retained earnings to average equity (ytd only) | -1.6510% | 4,213 |
| Net charge-offs to loans | 0.1098% | 1,036 |
| Credit loss provision to net charge-offs | 818.4741% | 655 |
| Earnings coverage of net charge-offs (x) | 19.0450% | 1,446 |
| Efficiency ratio | 51.3704% | 4,585 |
| Assets per employee ($millions) | 10.8834% | 313 |
| Cash dividends to net income (ytd only)* | 132.0691% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 2,928 |
| Loan loss allowance to noncurrent loans | 142.3130% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7795% | 1,738 |
| Noncurrent loans to loans | 0.8087% | 1,988 |
| Net loans and leases to total assets | 77.6937% | 1,025 |
| Net loans and leases to deposits | 96.7924% | 836 |
| Net loans and leases to core deposits | 134.4518% | 219 |
| Total domestic deposits to total assets | 80.2684% | 3,810 |
| Equity capital to assets | 14.3220% | 954 |
| Core capital (leverage) ratio | 12.0531% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3904% | 2,118 |
| Memoranda: | ||
| Average total assets | $15,843,428,000 | 107 |
| Average earning assets | $14,722,761,000 | 105 |
| Average equity | $2,294,304,000 | 97 |
| Average total loans | $12,460,987,500 | 94 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 2,083 |
| Cost of funding earning assets | 1.4133% | 536 |
| Net interest margin | 3.3737% | 3,814 |
| Noninterest income to average assets | 0.3134% | 3,817 |
| Noninterest expense to average assets | 1.8064% | 4,765 |
| Loan and lease loss provision to assets | 0.0473% | 3,080 |
| Net operating income to assets | 1.1974% | 2,067 |
| Return on assets (ROA) | 1.2045% | 2,131 |
| Pretax return on assets | 1.5992% | 1,486 |
| Return on Equity (ROE) | 8.2363% | 3,068 |
| Retained earnings to average equity (ytd only) | 2.9144% | 3,569 |
| Net charge-offs to loans | 0.0361% | 2,663 |
| Credit loss provision to net charge-offs | 166.9716% | 1,550 |
| Earnings coverage of net charge-offs (x) | 57.7466% | 1,007 |
| Efficiency ratio | 52.0319% | 4,604 |
| Assets per employee ($millions) | 10.7600% | 312 |
| Cash dividends to net income (ytd only)* | 64.6155% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7635% | 4,412 |
| Loan loss allowance to noncurrent loans | 91.0184% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 1,593 |
| Noncurrent loans to loans | 0.8389% | 1,834 |
| Net loans and leases to total assets | 78.1036% | 1,067 |
| Net loans and leases to deposits | 97.3757% | 811 |
| Net loans and leases to core deposits | 132.5613% | 247 |
| Total domestic deposits to total assets | 80.2085% | 3,933 |
| Equity capital to assets | 14.6438% | 888 |
| Core capital (leverage) ratio | 12.2921% | 1,598 |
| Tier 1 risk-based capital ratio | 13.7188% | 3,406 |
| Total risk-based capital ratio | 14.4365% | 3,578 |
| Memoranda: | ||
| Average total assets | $15,417,926,600 | 100 |
| Average earning assets | $14,306,141,200 | 99 |
| Average equity | $2,254,830,000 | 94 |
| Average total loans | $12,125,532,800 | 92 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8572% | 1,947 |
| Cost of funding earning assets | 1.4396% | 499 |
| Net interest margin | 3.4176% | 3,816 |
| Noninterest income to average assets | 0.3106% | 3,887 |
| Noninterest expense to average assets | 1.8204% | 4,792 |
| Loan and lease loss provision to assets | 0.0547% | 2,820 |
| Net operating income to assets | 1.1970% | 2,200 |
| Return on assets (ROA) | 1.2073% | 2,251 |
| Pretax return on assets | 1.6195% | 1,567 |
| Return on Equity (ROE) | 8.2581% | 3,211 |
| Retained earnings to average equity (ytd only) | 4.2196% | 3,291 |
| Net charge-offs to loans | 0.0401% | 2,294 |
| Credit loss provision to net charge-offs | 173.3627% | 1,474 |
| Earnings coverage of net charge-offs (x) | 52.6472% | 1,148 |
| Efficiency ratio | 51.8698% | 4,606 |
| Assets per employee ($millions) | 10.5924% | 300 |
| Cash dividends to net income (ytd only)* | 48.9036% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 4,483 |
| Loan loss allowance to noncurrent loans | 98.7504% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7441% | 1,850 |
| Noncurrent loans to loans | 0.7834% | 2,008 |
| Net loans and leases to total assets | 78.2895% | 1,094 |
| Net loans and leases to deposits | 98.2478% | 795 |
| Net loans and leases to core deposits | 131.5839% | 273 |
| Total domestic deposits to total assets | 79.6858% | 4,053 |
| Equity capital to assets | 14.9949% | 846 |
| Core capital (leverage) ratio | 12.3724% | 1,642 |
| Tier 1 risk-based capital ratio | 14.0135% | 3,322 |
| Total risk-based capital ratio | 14.7433% | 3,481 |
| Memoranda: | ||
| Average total assets | $15,355,772,500 | 101 |
| Average earning assets | $14,247,938,000 | 100 |
| Average equity | $2,244,993,750 | 95 |
| Average total loans | $12,074,346,500 | 92 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 1,858 |
| Cost of funding earning assets | 1.4274% | 482 |
| Net interest margin | 3.4389% | 3,775 |
| Noninterest income to average assets | 0.2915% | 3,991 |
| Noninterest expense to average assets | 1.8260% | 4,845 |
| Loan and lease loss provision to assets | 0.0547% | 2,728 |
| Net operating income to assets | 1.1953% | 2,164 |
| Return on assets (ROA) | 1.2075% | 2,186 |
| Pretax return on assets | 1.6182% | 1,490 |
| Return on Equity (ROE) | 8.3306% | 3,144 |
| Retained earnings to average equity (ytd only) | 3.8353% | 3,327 |
| Net charge-offs to loans | 0.0301% | 2,253 |
| Credit loss provision to net charge-offs | 231.7881% | 1,085 |
| Earnings coverage of net charge-offs (x) | 70.1954% | 894 |
| Efficiency ratio | 52.0017% | 4,655 |
| Assets per employee ($millions) | 10.5267% | 301 |
| Cash dividends to net income (ytd only)* | 53.9607% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7849% | 4,495 |
| Loan loss allowance to noncurrent loans | 82.0663% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 1,779 |
| Noncurrent loans to loans | 0.9564% | 1,707 |
| Net loans and leases to total assets | 77.5239% | 1,308 |
| Net loans and leases to deposits | 97.5152% | 886 |
| Net loans and leases to core deposits | 133.4537% | 267 |
| Total domestic deposits to total assets | 79.4993% | 4,132 |
| Equity capital to assets | 14.7782% | 869 |
| Core capital (leverage) ratio | 12.1123% | 1,750 |
| Tier 1 risk-based capital ratio | 14.0333% | 3,298 |
| Total risk-based capital ratio | 14.7789% | 3,464 |
| Memoranda: | ||
| Average total assets | $15,347,621,670 | 101 |
| Average earning assets | $14,245,882,000 | 102 |
| Average equity | $2,224,577,330 | 94 |
| Average total loans | $12,054,134,000 | 92 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 1,735 |
| Cost of funding earning assets | 1.3880% | 477 |
| Net interest margin | 3.4709% | 3,676 |
| Noninterest income to average assets | 0.2833% | 3,982 |
| Noninterest expense to average assets | 1.8502% | 4,863 |
| Loan and lease loss provision to assets | 0.0553% | 2,564 |
| Net operating income to assets | 1.1897% | 2,097 |
| Return on assets (ROA) | 1.2049% | 2,087 |
| Pretax return on assets | 1.6195% | 1,419 |
| Return on Equity (ROE) | 8.3949% | 3,081 |
| Retained earnings to average equity (ytd only) | 4.5829% | 3,089 |
| Net charge-offs to loans | 0.0153% | 2,176 |
| Credit loss provision to net charge-offs | 460.0868% | 639 |
| Earnings coverage of net charge-offs (x) | 137.8351% | 541 |
| Efficiency ratio | 52.3622% | 4,672 |
| Assets per employee ($millions) | 10.3899% | 306 |
| Cash dividends to net income (ytd only)* | 45.4084% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 4,574 |
| Loan loss allowance to noncurrent loans | 69.3175% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.9234% | 1,518 |
| Noncurrent loans to loans | 1.1275% | 1,481 |
| Net loans and leases to total assets | 77.6779% | 1,210 |
| Net loans and leases to deposits | 97.5326% | 836 |
| Net loans and leases to core deposits | 135.1552% | 244 |
| Total domestic deposits to total assets | 79.6430% | 4,229 |
| Equity capital to assets | 14.4512% | 892 |
| Core capital (leverage) ratio | 11.8760% | 1,849 |
| Tier 1 risk-based capital ratio | 13.7700% | 3,461 |
| Total risk-based capital ratio | 14.5109% | 3,639 |
| Memoranda: | ||
| Average total assets | $15,352,720,500 | 102 |
| Average earning assets | $14,253,468,000 | 101 |
| Average equity | $2,203,566,000 | 94 |
| Average total loans | $12,089,084,000 | 91 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 1,721 |
| Cost of funding earning assets | 1.0928% | 507 |
| Net interest margin | 3.6413% | 3,249 |
| Noninterest income to average assets | 0.4177% | 3,325 |
| Noninterest expense to average assets | 1.8626% | 4,943 |
| Loan and lease loss provision to assets | 0.1005% | 2,177 |
| Net operating income to assets | 1.3523% | 1,610 |
| Return on assets (ROA) | 1.3572% | 1,577 |
| Pretax return on assets | 1.8349% | 838 |
| Return on Equity (ROE) | 9.5275% | 2,735 |
| Retained earnings to average equity (ytd only) | 3.4178% | 3,709 |
| Net charge-offs to loans | 0.0591% | 2,294 |
| Credit loss provision to net charge-offs | 216.4439% | 1,336 |
| Earnings coverage of net charge-offs (x) | 41.5369% | 1,276 |
| Efficiency ratio | 48.6840% | 5,010 |
| Assets per employee ($millions) | 10.1577% | 330 |
| Cash dividends to net income (ytd only)* | 64.1274% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7635% | 4,641 |
| Loan loss allowance to noncurrent loans | 94.2958% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 2,001 |
| Noncurrent loans to loans | 0.8097% | 1,985 |
| Net loans and leases to total assets | 78.5928% | 1,167 |
| Net loans and leases to deposits | 98.8669% | 827 |
| Net loans and leases to core deposits | 136.3624% | 239 |
| Total domestic deposits to total assets | 79.4936% | 4,214 |
| Equity capital to assets | 14.2541% | 901 |
| Core capital (leverage) ratio | 11.7641% | 1,902 |
| Tier 1 risk-based capital ratio | 13.6255% | 3,477 |
| Total risk-based capital ratio | 14.3572% | 3,675 |
| Memoranda: | ||
| Average total assets | $14,821,862,800 | 102 |
| Average earning assets | $13,734,179,200 | 101 |
| Average equity | $2,111,372,800 | 92 |
| Average total loans | $11,650,791,000 | 92 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6822% | 1,729 |
| Cost of funding earning assets | 1.0178% | 550 |
| Net interest margin | 3.6644% | 3,147 |
| Noninterest income to average assets | 0.4465% | 3,190 |
| Noninterest expense to average assets | 1.8702% | 4,952 |
| Loan and lease loss provision to assets | 0.1097% | 1,839 |
| Net operating income to assets | 1.3802% | 1,549 |
| Return on assets (ROA) | 1.3888% | 1,532 |
| Pretax return on assets | 1.8714% | 857 |
| Return on Equity (ROE) | 9.7510% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.1212% | 2,598 |
| Net charge-offs to loans | 0.0695% | 1,843 |
| Credit loss provision to net charge-offs | 201.2307% | 1,373 |
| Earnings coverage of net charge-offs (x) | 36.1281% | 1,430 |
| Efficiency ratio | 48.2608% | 5,039 |
| Assets per employee ($millions) | 10.0523% | 326 |
| Cash dividends to net income (ytd only)* | 37.2247% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 4,736 |
| Loan loss allowance to noncurrent loans | 94.0955% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 2,125 |
| Noncurrent loans to loans | 0.8064% | 2,094 |
| Net loans and leases to total assets | 77.8356% | 1,370 |
| Net loans and leases to deposits | 98.3150% | 927 |
| Net loans and leases to core deposits | 131.6995% | 303 |
| Total domestic deposits to total assets | 79.1697% | 4,286 |
| Equity capital to assets | 14.3381% | 870 |
| Core capital (leverage) ratio | 12.0393% | 1,761 |
| Tier 1 risk-based capital ratio | 13.8037% | 3,462 |
| Total risk-based capital ratio | 14.5204% | 3,660 |
| Memoranda: | ||
| Average total assets | $14,700,425,000 | 102 |
| Average earning assets | $13,615,734,250 | 101 |
| Average equity | $2,093,726,250 | 92 |
| Average total loans | $11,532,678,000 | 91 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 1,738 |
| Cost of funding earning assets | 0.9399% | 610 |
| Net interest margin | 3.6741% | 3,026 |
| Noninterest income to average assets | 0.4610% | 3,086 |
| Noninterest expense to average assets | 1.9190% | 4,933 |
| Loan and lease loss provision to assets | 0.0661% | 2,578 |
| Net operating income to assets | 1.3889% | 1,479 |
| Return on assets (ROA) | 1.4152% | 1,385 |
| Pretax return on assets | 1.9118% | 750 |
| Return on Equity (ROE) | 9.9597% | 2,576 |
| Retained earnings to average equity (ytd only) | 6.4710% | 2,322 |
| Net charge-offs to loans | -0.0095% | 4,303 |
| Credit loss provision to net charge-offs | -890.5380% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2295% | 5,065 |
| Assets per employee ($millions) | 9.8867% | 328 |
| Cash dividends to net income (ytd only)* | 35.0287% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 4,795 |
| Loan loss allowance to noncurrent loans | 78.0895% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 1,797 |
| Noncurrent loans to loans | 0.9829% | 1,779 |
| Net loans and leases to total assets | 78.1466% | 1,286 |
| Net loans and leases to deposits | 98.7554% | 903 |
| Net loans and leases to core deposits | 129.2885% | 344 |
| Total domestic deposits to total assets | 79.1314% | 4,407 |
| Equity capital to assets | 14.5449% | 797 |
| Core capital (leverage) ratio | 12.2132% | 1,590 |
| Tier 1 risk-based capital ratio | 13.7925% | 3,465 |
| Total risk-based capital ratio | 14.5163% | 3,679 |
| Memoranda: | ||
| Average total assets | $14,524,145,330 | 104 |
| Average earning assets | $13,451,183,000 | 101 |
| Average equity | $2,063,772,330 | 92 |
| Average total loans | $11,395,429,330 | 91 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 1,780 |
| Cost of funding earning assets | 0.8712% | 688 |
| Net interest margin | 3.6591% | 2,957 |
| Noninterest income to average assets | 0.4863% | 2,889 |
| Noninterest expense to average assets | 1.9034% | 5,014 |
| Loan and lease loss provision to assets | 0.0697% | 2,370 |
| Net operating income to assets | 1.4058% | 1,324 |
| Return on assets (ROA) | 1.4601% | 1,176 |
| Pretax return on assets | 1.9680% | 621 |
| Return on Equity (ROE) | 10.4031% | 2,228 |
| Retained earnings to average equity (ytd only) | 6.8287% | 2,354 |
| Net charge-offs to loans | 0.0206% | 2,084 |
| Credit loss provision to net charge-offs | 431.0345% | 661 |
| Earnings coverage of net charge-offs (x) | 121.8000% | 520 |
| Efficiency ratio | 48.7102% | 5,159 |
| Assets per employee ($millions) | 9.5589% | 371 |
| Cash dividends to net income (ytd only)* | 34.3597% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 4,883 |
| Loan loss allowance to noncurrent loans | 76.2866% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 1,888 |
| Noncurrent loans to loans | 0.9997% | 1,830 |
| Net loans and leases to total assets | 77.5889% | 1,298 |
| Net loans and leases to deposits | 97.6468% | 894 |
| Net loans and leases to core deposits | 124.5600% | 461 |
| Total domestic deposits to total assets | 79.4588% | 4,499 |
| Equity capital to assets | 13.9515% | 902 |
| Core capital (leverage) ratio | 11.4720% | 2,035 |
| Tier 1 risk-based capital ratio | 12.9930% | 3,949 |
| Total risk-based capital ratio | 13.7089% | 4,170 |
| Memoranda: | ||
| Average total assets | $14,351,452,000 | 105 |
| Average earning assets | $13,280,479,500 | 103 |
| Average equity | $2,014,277,000 | 93 |
| Average total loans | $11,238,190,000 | 93 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 1,724 |
| Cost of funding earning assets | 0.6727% | 1,169 |
| Net interest margin | 3.8211% | 2,351 |
| Noninterest income to average assets | 0.4764% | 3,151 |
| Noninterest expense to average assets | 1.8839% | 5,135 |
| Loan and lease loss provision to assets | 0.1256% | 1,821 |
| Net operating income to assets | 1.0580% | 2,029 |
| Return on assets (ROA) | 1.0594% | 2,043 |
| Pretax return on assets | 1.9894% | 504 |
| Return on Equity (ROE) | 7.4063% | 3,074 |
| Retained earnings to average equity (ytd only) | 3.8649% | 2,891 |
| Net charge-offs to loans | 0.1124% | 1,938 |
| Credit loss provision to net charge-offs | 142.7397% | 1,859 |
| Earnings coverage of net charge-offs (x) | 24.0068% | 1,775 |
| Efficiency ratio | 46.6462% | 5,374 |
| Assets per employee ($millions) | 9.5315% | 370 |
| Cash dividends to net income (ytd only)* | 47.8152% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 4,934 |
| Loan loss allowance to noncurrent loans | 113.2984% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 2,543 |
| Noncurrent loans to loans | 0.6699% | 2,537 |
| Net loans and leases to total assets | 77.8361% | 1,304 |
| Net loans and leases to deposits | 101.7886% | 615 |
| Net loans and leases to core deposits | 125.8547% | 439 |
| Total domestic deposits to total assets | 76.4684% | 4,924 |
| Equity capital to assets | 14.1210% | 871 |
| Core capital (leverage) ratio | 11.3988% | 2,012 |
| Tier 1 risk-based capital ratio | 12.9477% | 3,935 |
| Total risk-based capital ratio | 13.6615% | 4,163 |
| Memoranda: | ||
| Average total assets | $13,818,736,600 | 103 |
| Average earning assets | $12,731,111,800 | 103 |
| Average equity | $1,976,664,000 | 89 |
| Average total loans | $10,817,710,000 | 92 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 1,897 |
| Cost of funding earning assets | 0.6349% | 1,334 |
| Net interest margin | 3.7852% | 2,455 |
| Noninterest income to average assets | 0.4875% | 3,100 |
| Noninterest expense to average assets | 1.8357% | 5,225 |
| Loan and lease loss provision to assets | 0.1337% | 1,623 |
| Net operating income to assets | 1.2284% | 1,583 |
| Return on assets (ROA) | 1.2284% | 1,612 |
| Pretax return on assets | 2.0036% | 548 |
| Return on Equity (ROE) | 8.5591% | 2,832 |
| Retained earnings to average equity (ytd only) | 5.0387% | 2,868 |
| Net charge-offs to loans | 0.1176% | 1,614 |
| Credit loss provision to net charge-offs | 145.3010% | 1,730 |
| Earnings coverage of net charge-offs (x) | 23.2289% | 1,824 |
| Efficiency ratio | 45.7088% | 5,430 |
| Assets per employee ($millions) | 9.7748% | 340 |
| Cash dividends to net income (ytd only)* | 41.1298% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 4,996 |
| Loan loss allowance to noncurrent loans | 97.3212% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7292% | 2,320 |
| Noncurrent loans to loans | 0.7827% | 2,406 |
| Net loans and leases to total assets | 77.0326% | 1,416 |
| Net loans and leases to deposits | 98.9879% | 823 |
| Net loans and leases to core deposits | 121.7996% | 524 |
| Total domestic deposits to total assets | 77.8203% | 4,760 |
| Equity capital to assets | 14.2161% | 936 |
| Core capital (leverage) ratio | 11.6326% | 1,927 |
| Tier 1 risk-based capital ratio | 12.9399% | 4,054 |
| Total risk-based capital ratio | 13.6480% | 4,290 |
| Memoranda: | ||
| Average total assets | $13,722,924,250 | 103 |
| Average earning assets | $12,636,367,000 | 103 |
| Average equity | $1,969,464,500 | 89 |
| Average total loans | $10,737,433,750 | 90 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,001 |
| Cost of funding earning assets | 0.5935% | 1,491 |
| Net interest margin | 3.7463% | 2,483 |
| Noninterest income to average assets | 0.4990% | 3,036 |
| Noninterest expense to average assets | 1.8911% | 5,198 |
| Loan and lease loss provision to assets | 0.1231% | 1,680 |
| Net operating income to assets | 1.1827% | 1,658 |
| Return on assets (ROA) | 1.1827% | 1,690 |
| Pretax return on assets | 1.9330% | 609 |
| Return on Equity (ROE) | 8.2136% | 2,907 |
| Retained earnings to average equity (ytd only) | 4.7366% | 2,894 |
| Net charge-offs to loans | 0.1432% | 1,297 |
| Credit loss provision to net charge-offs | 109.5819% | 1,898 |
| Earnings coverage of net charge-offs (x) | 18.3031% | 1,887 |
| Efficiency ratio | 47.4060% | 5,417 |
| Assets per employee ($millions) | 10.0529% | 293 |
| Cash dividends to net income (ytd only)* | 42.3323% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 5,116 |
| Loan loss allowance to noncurrent loans | 98.5660% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7441% | 2,334 |
| Noncurrent loans to loans | 0.7498% | 2,521 |
| Net loans and leases to total assets | 77.6307% | 1,296 |
| Net loans and leases to deposits | 98.0426% | 890 |
| Net loans and leases to core deposits | 119.1436% | 588 |
| Total domestic deposits to total assets | 79.1806% | 4,587 |
| Equity capital to assets | 14.3090% | 878 |
| Core capital (leverage) ratio | 11.6407% | 1,869 |
| Tier 1 risk-based capital ratio | 12.8284% | 4,100 |
| Total risk-based capital ratio | 13.5373% | 4,319 |
| Memoranda: | ||
| Average total assets | $13,582,504,330 | 103 |
| Average earning assets | $12,501,619,670 | 104 |
| Average equity | $1,955,704,330 | 89 |
| Average total loans | $10,656,822,670 | 91 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2865% | 1,993 |
| Cost of funding earning assets | 0.5377% | 1,805 |
| Net interest margin | 3.7488% | 2,319 |
| Noninterest income to average assets | 0.5264% | 2,788 |
| Noninterest expense to average assets | 1.9171% | 5,214 |
| Loan and lease loss provision to assets | 0.1666% | 1,073 |
| Net operating income to assets | 1.1539% | 1,649 |
| Return on assets (ROA) | 1.1539% | 1,686 |
| Pretax return on assets | 1.8960% | 644 |
| Return on Equity (ROE) | 7.9883% | 2,925 |
| Retained earnings to average equity (ytd only) | 4.4875% | 3,175 |
| Net charge-offs to loans | 0.2378% | 751 |
| Credit loss provision to net charge-offs | 89.1152% | 1,697 |
| Earnings coverage of net charge-offs (x) | 11.0345% | 1,911 |
| Efficiency ratio | 47.6661% | 5,482 |
| Assets per employee ($millions) | 9.9553% | 310 |
| Cash dividends to net income (ytd only)* | 43.8235% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 5,215 |
| Loan loss allowance to noncurrent loans | 113.3219% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 2,664 |
| Noncurrent loans to loans | 0.6567% | 2,864 |
| Net loans and leases to total assets | 77.9461% | 1,142 |
| Net loans and leases to deposits | 97.8865% | 778 |
| Net loans and leases to core deposits | 117.3876% | 542 |
| Total domestic deposits to total assets | 79.6290% | 4,693 |
| Equity capital to assets | 14.5209% | 748 |
| Core capital (leverage) ratio | 11.5981% | 1,882 |
| Tier 1 risk-based capital ratio | 12.9506% | 4,105 |
| Total risk-based capital ratio | 13.6621% | 4,342 |
| Memoranda: | ||
| Average total assets | $13,447,275,500 | 102 |
| Average earning assets | $12,386,843,000 | 103 |
| Average equity | $1,942,449,500 | 85 |
| Average total loans | $10,568,122,500 | 90 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 1,756 |
| Cost of funding earning assets | 0.5838% | 1,464 |
| Net interest margin | 3.8428% | 2,164 |
| Noninterest income to average assets | 0.5081% | 3,184 |
| Noninterest expense to average assets | 2.0135% | 5,162 |
| Loan and lease loss provision to assets | 0.0878% | 2,607 |
| Net operating income to assets | 1.1844% | 1,554 |
| Return on assets (ROA) | 1.1903% | 1,631 |
| Pretax return on assets | 1.9899% | 512 |
| Return on Equity (ROE) | 8.9246% | 2,455 |
| Retained earnings to average equity (ytd only) | 5.7058% | 1,880 |
| Net charge-offs to loans | 0.0750% | 2,627 |
| Credit loss provision to net charge-offs | 148.4169% | 1,849 |
| Earnings coverage of net charge-offs (x) | 34.9608% | 1,301 |
| Efficiency ratio | 48.9123% | 5,535 |
| Assets per employee ($millions) | 9.6384% | 344 |
| Cash dividends to net income (ytd only)* | 36.0665% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7509% | 5,233 |
| Loan loss allowance to noncurrent loans | 104.3588% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 2,542 |
| Noncurrent loans to loans | 0.7195% | 2,738 |
| Net loans and leases to total assets | 78.0526% | 1,187 |
| Net loans and leases to deposits | 98.4159% | 788 |
| Net loans and leases to core deposits | 118.1981% | 536 |
| Total domestic deposits to total assets | 79.3089% | 4,717 |
| Equity capital to assets | 14.3783% | 772 |
| Core capital (leverage) ratio | 11.3284% | 2,061 |
| Tier 1 risk-based capital ratio | 12.7502% | 4,236 |
| Total risk-based capital ratio | 13.4637% | 4,447 |
| Memoranda: | ||
| Average total assets | $10,249,192,200 | 111 |
| Average earning assets | $9,531,641,400 | 111 |
| Average equity | $1,366,970,800 | 108 |
| Average total loans | $8,085,692,800 | 106 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,084 |
| Cost of funding earning assets | 0.5838% | 1,467 |
| Net interest margin | 3.7451% | 2,536 |
| Noninterest income to average assets | 0.4781% | 3,391 |
| Noninterest expense to average assets | 1.9868% | 5,228 |
| Loan and lease loss provision to assets | 0.1157% | 1,997 |
| Net operating income to assets | 1.1172% | 1,928 |
| Return on assets (ROA) | 1.1258% | 2,007 |
| Pretax return on assets | 1.8860% | 733 |
| Return on Equity (ROE) | 8.6867% | 2,672 |
| Retained earnings to average equity (ytd only) | 5.7478% | 2,330 |
| Net charge-offs to loans | 0.0827% | 2,143 |
| Credit loss provision to net charge-offs | 177.0294% | 1,579 |
| Earnings coverage of net charge-offs (x) | 30.4290% | 1,476 |
| Efficiency ratio | 49.6306% | 5,527 |
| Assets per employee ($millions) | 9.6438% | 332 |
| Cash dividends to net income (ytd only)* | 33.8325% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 5,312 |
| Loan loss allowance to noncurrent loans | 112.2360% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.7311% | 2,731 |
| Noncurrent loans to loans | 0.6710% | 3,014 |
| Net loans and leases to total assets | 78.0648% | 1,182 |
| Net loans and leases to deposits | 98.3682% | 823 |
| Net loans and leases to core deposits | 121.4136% | 469 |
| Total domestic deposits to total assets | 79.3597% | 4,644 |
| Equity capital to assets | 14.2658% | 941 |
| Core capital (leverage) ratio | 12.7771% | 1,278 |
| Tier 1 risk-based capital ratio | 12.5504% | 4,443 |
| Total risk-based capital ratio | 13.2715% | 4,675 |
| Memoranda: | ||
| Average total assets | $9,451,741,750 | 120 |
| Average earning assets | $8,825,588,500 | 117 |
| Average equity | $1,224,906,250 | 122 |
| Average total loans | $7,465,508,250 | 111 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3760% | 1,895 |
| Cost of funding earning assets | 0.6150% | 1,225 |
| Net interest margin | 3.7609% | 2,471 |
| Noninterest income to average assets | 0.4866% | 3,286 |
| Noninterest expense to average assets | 1.9039% | 5,443 |
| Loan and lease loss provision to assets | 0.0420% | 3,310 |
| Net operating income to assets | 1.2286% | 1,507 |
| Return on assets (ROA) | 1.2286% | 1,602 |
| Pretax return on assets | 2.0837% | 483 |
| Return on Equity (ROE) | 10.0428% | 2,030 |
| Retained earnings to average equity (ytd only) | 4.5947% | 2,979 |
| Net charge-offs to loans | 0.0525% | 2,451 |
| Credit loss provision to net charge-offs | 101.0101% | 2,073 |
| Earnings coverage of net charge-offs (x) | 51.1652% | 980 |
| Efficiency ratio | 46.9872% | 5,712 |
| Assets per employee ($millions) | 9.0787% | 371 |
| Cash dividends to net income (ytd only)* | 54.2485% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 3,594 |
| Loan loss allowance to noncurrent loans | 106.4000% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 2,006 |
| Noncurrent loans to loans | 1.0885% | 2,110 |
| Net loans and leases to total assets | 78.2601% | 1,165 |
| Net loans and leases to deposits | 98.0919% | 882 |
| Net loans and leases to core deposits | 121.1318% | 487 |
| Total domestic deposits to total assets | 79.7825% | 4,599 |
| Equity capital to assets | 12.0772% | 2,076 |
| Core capital (leverage) ratio | 11.0620% | 2,374 |
| Tier 1 risk-based capital ratio | 12.1364% | 4,750 |
| Total risk-based capital ratio | 13.1998% | 4,771 |
| Memoranda: | ||
| Average total assets | $8,101,863,670 | 143 |
| Average earning assets | $7,632,392,000 | 137 |
| Average equity | $991,181,670 | 141 |
| Average total loans | $6,414,079,000 | 126 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 1,685 |
| Cost of funding earning assets | 0.6080% | 1,282 |
| Net interest margin | 3.8311% | 2,177 |
| Noninterest income to average assets | 0.4649% | 3,378 |
| Noninterest expense to average assets | 1.9189% | 5,498 |
| Loan and lease loss provision to assets | 0.0250% | 3,346 |
| Net operating income to assets | 1.2636% | 1,361 |
| Return on assets (ROA) | 1.2636% | 1,450 |
| Pretax return on assets | 2.1290% | 434 |
| Return on Equity (ROE) | 10.2601% | 1,869 |
| Retained earnings to average equity (ytd only) | 6.5997% | 2,082 |
| Net charge-offs to loans | 0.0033% | 3,008 |
| Credit loss provision to net charge-offs | 961.5385% | 380 |
| Earnings coverage of net charge-offs (x) | 826.9808% | 56 |
| Efficiency ratio | 46.8535% | 5,774 |
| Assets per employee ($millions) | 8.5302% | 468 |
| Cash dividends to net income (ytd only)* | 35.6761% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 3,457 |
| Loan loss allowance to noncurrent loans | 106.5019% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.1408% | 1,934 |
| Noncurrent loans to loans | 1.1300% | 2,136 |
| Net loans and leases to total assets | 78.2671% | 1,070 |
| Net loans and leases to deposits | 97.5093% | 800 |
| Net loans and leases to core deposits | 122.1180% | 410 |
| Total domestic deposits to total assets | 80.2663% | 4,690 |
| Equity capital to assets | 12.3573% | 1,777 |
| Core capital (leverage) ratio | 11.3560% | 2,090 |
| Tier 1 risk-based capital ratio | 12.4462% | 4,623 |
| Total risk-based capital ratio | 13.5496% | 4,620 |
| Memoranda: | ||
| Average total assets | $7,985,672,500 | 145 |
| Average earning assets | $7,520,666,000 | 140 |
| Average equity | $983,499,500 | 144 |
| Average total loans | $6,321,710,000 | 125 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,631 |
| Cost of funding earning assets | 0.5590% | 1,683 |
| Net interest margin | 3.9304% | 1,930 |
| Noninterest income to average assets | 0.6124% | 2,657 |
| Noninterest expense to average assets | 2.0252% | 5,407 |
| Loan and lease loss provision to assets | 0.1075% | 2,197 |
| Net operating income to assets | 1.2905% | 1,292 |
| Return on assets (ROA) | 1.2941% | 1,329 |
| Pretax return on assets | 2.1749% | 367 |
| Return on Equity (ROE) | 10.2223% | 1,917 |
| Retained earnings to average equity (ytd only) | 6.6139% | 1,486 |
| Net charge-offs to loans | -0.0110% | 5,129 |
| Credit loss provision to net charge-offs | -1,230.7692% | 5,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7426% | 5,888 |
| Assets per employee ($millions) | 8.4332% | 476 |
| Cash dividends to net income (ytd only)* | 35.2997% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 3,353 |
| Loan loss allowance to noncurrent loans | 105.8928% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 1,847 |
| Noncurrent loans to loans | 1.1531% | 2,043 |
| Net loans and leases to total assets | 78.1387% | 1,101 |
| Net loans and leases to deposits | 97.4047% | 874 |
| Net loans and leases to core deposits | 119.3571% | 493 |
| Total domestic deposits to total assets | 80.2207% | 4,696 |
| Equity capital to assets | 12.2736% | 1,760 |
| Core capital (leverage) ratio | 11.4255% | 2,018 |
| Tier 1 risk-based capital ratio | 12.5550% | 4,593 |
| Total risk-based capital ratio | 13.6902% | 4,565 |
| Memoranda: | ||
| Average total assets | $7,442,804,600 | 144 |
| Average earning assets | $6,986,695,000 | 137 |
| Average equity | $942,234,000 | 146 |
| Average total loans | $5,887,225,800 | 125 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 1,698 |
| Cost of funding earning assets | 0.5472% | 1,825 |
| Net interest margin | 3.9209% | 1,963 |
| Noninterest income to average assets | 0.6118% | 2,682 |
| Noninterest expense to average assets | 2.0483% | 5,383 |
| Loan and lease loss provision to assets | 0.0564% | 3,063 |
| Net operating income to assets | 1.3039% | 1,333 |
| Return on assets (ROA) | 1.3088% | 1,368 |
| Pretax return on assets | 2.1991% | 411 |
| Return on Equity (ROE) | 10.2541% | 1,994 |
| Retained earnings to average equity (ytd only) | 6.6894% | 1,842 |
| Net charge-offs to loans | -0.0058% | 4,851 |
| Credit loss provision to net charge-offs | -1,230.1587% | 5,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3385% | 5,905 |
| Assets per employee ($millions) | 8.0529% | 526 |
| Cash dividends to net income (ytd only)* | 34.7637% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 3,737 |
| Loan loss allowance to noncurrent loans | 100.1197% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2190% | 1,938 |
| Noncurrent loans to loans | 1.1842% | 2,159 |
| Net loans and leases to total assets | 78.2115% | 1,070 |
| Net loans and leases to deposits | 98.2104% | 800 |
| Net loans and leases to core deposits | 120.2718% | 461 |
| Total domestic deposits to total assets | 79.6366% | 4,818 |
| Equity capital to assets | 12.6842% | 1,626 |
| Core capital (leverage) ratio | 11.6339% | 1,933 |
| Tier 1 risk-based capital ratio | 12.8255% | 4,533 |
| Total risk-based capital ratio | 13.9218% | 4,540 |
| Memoranda: | ||
| Average total assets | $7,325,924,750 | 146 |
| Average earning assets | $6,883,814,500 | 139 |
| Average equity | $935,073,000 | 147 |
| Average total loans | $5,794,674,000 | 129 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 1,656 |
| Cost of funding earning assets | 0.5398% | 1,907 |
| Net interest margin | 3.9212% | 1,904 |
| Noninterest income to average assets | 0.5716% | 2,895 |
| Noninterest expense to average assets | 2.0702% | 5,397 |
| Loan and lease loss provision to assets | 0.0690% | 2,732 |
| Net operating income to assets | 1.2649% | 1,412 |
| Return on assets (ROA) | 1.2724% | 1,459 |
| Pretax return on assets | 2.1249% | 475 |
| Return on Equity (ROE) | 9.9472% | 2,092 |
| Retained earnings to average equity (ytd only) | 6.4929% | 1,951 |
| Net charge-offs to loans | 0.0049% | 3,728 |
| Credit loss provision to net charge-offs | 1,785.7143% | 214 |
| Earnings coverage of net charge-offs (x) | 564.4143% | 118 |
| Efficiency ratio | 48.3355% | 5,941 |
| Assets per employee ($millions) | 7.9050% | 549 |
| Cash dividends to net income (ytd only)* | 34.7267% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 3,798 |
| Loan loss allowance to noncurrent loans | 81.8122% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.4451% | 1,726 |
| Noncurrent loans to loans | 1.4651% | 1,809 |
| Net loans and leases to total assets | 78.8717% | 953 |
| Net loans and leases to deposits | 100.2631% | 640 |
| Net loans and leases to core deposits | 120.1033% | 464 |
| Total domestic deposits to total assets | 78.6647% | 5,164 |
| Equity capital to assets | 12.8235% | 1,477 |
| Core capital (leverage) ratio | 11.6674% | 1,864 |
| Tier 1 risk-based capital ratio | 13.0806% | 4,471 |
| Total risk-based capital ratio | 14.2028% | 4,460 |
| Memoranda: | ||
| Average total assets | $7,241,962,330 | 150 |
| Average earning assets | $6,797,860,000 | 141 |
| Average equity | $926,369,670 | 148 |
| Average total loans | $5,726,956,330 | 130 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4132% | 1,723 |
| Cost of funding earning assets | 0.5357% | 1,965 |
| Net interest margin | 3.8775% | 1,973 |
| Noninterest income to average assets | 0.5691% | 2,841 |
| Noninterest expense to average assets | 2.0825% | 5,425 |
| Loan and lease loss provision to assets | 0.0833% | 2,303 |
| Net operating income to assets | 1.2228% | 1,479 |
| Return on assets (ROA) | 1.2378% | 1,526 |
| Pretax return on assets | 2.0665% | 519 |
| Return on Equity (ROE) | 9.6892% | 2,137 |
| Retained earnings to average equity (ytd only) | 6.2098% | 2,374 |
| Net charge-offs to loans | -0.0237% | 5,121 |
| Credit loss provision to net charge-offs | -446.4286% | 4,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1280% | 5,968 |
| Assets per employee ($millions) | 7.7840% | 596 |
| Cash dividends to net income (ytd only)* | 35.9099% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 3,897 |
| Loan loss allowance to noncurrent loans | 78.2368% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.4948% | 1,756 |
| Noncurrent loans to loans | 1.5505% | 1,810 |
| Net loans and leases to total assets | 78.0384% | 918 |
| Net loans and leases to deposits | 97.5243% | 717 |
| Net loans and leases to core deposits | 118.9072% | 435 |
| Total domestic deposits to total assets | 80.0194% | 5,048 |
| Equity capital to assets | 12.7829% | 1,518 |
| Core capital (leverage) ratio | 11.6010% | 1,924 |
| Tier 1 risk-based capital ratio | 13.2124% | 4,488 |
| Total risk-based capital ratio | 14.3583% | 4,466 |
| Memoranda: | ||
| Average total assets | $7,198,963,000 | 149 |
| Average earning assets | $6,757,321,500 | 138 |
| Average equity | $919,703,500 | 149 |
| Average total loans | $5,665,532,000 | 130 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 1,161 |
| Cost of funding earning assets | 0.5430% | 2,266 |
| Net interest margin | 4.2315% | 1,215 |
| Noninterest income to average assets | 0.6261% | 2,704 |
| Noninterest expense to average assets | 2.1404% | 5,481 |
| Loan and lease loss provision to assets | 0.1857% | 1,386 |
| Net operating income to assets | 1.3527% | 1,184 |
| Return on assets (ROA) | 1.3527% | 1,237 |
| Pretax return on assets | 2.2405% | 294 |
| Return on Equity (ROE) | 10.5260% | 1,898 |
| Retained earnings to average equity (ytd only) | 5.1534% | 2,496 |
| Net charge-offs to loans | 0.2275% | 1,854 |
| Credit loss provision to net charge-offs | 103.5817% | 2,311 |
| Earnings coverage of net charge-offs (x) | 13.5360% | 2,259 |
| Efficiency ratio | 46.4546% | 6,250 |
| Assets per employee ($millions) | 7.7898% | 579 |
| Cash dividends to net income (ytd only)* | 51.0409% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 3,929 |
| Loan loss allowance to noncurrent loans | 62.5532% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.8255% | 1,424 |
| Noncurrent loans to loans | 1.9364% | 1,449 |
| Net loans and leases to total assets | 77.4470% | 1,080 |
| Net loans and leases to deposits | 96.9006% | 840 |
| Net loans and leases to core deposits | 117.8014% | 474 |
| Total domestic deposits to total assets | 79.9242% | 5,042 |
| Equity capital to assets | 12.7680% | 1,487 |
| Core capital (leverage) ratio | 11.4457% | 2,019 |
| Tier 1 risk-based capital ratio | 13.4419% | 4,449 |
| Total risk-based capital ratio | 14.6068% | 4,433 |
| Memoranda: | ||
| Average total assets | $6,807,252,600 | 150 |
| Average earning assets | $6,338,938,600 | 141 |
| Average equity | $874,813,800 | 147 |
| Average total loans | $5,364,209,400 | 131 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8410% | 1,031 |
| Cost of funding earning assets | 0.5393% | 2,380 |
| Net interest margin | 4.3017% | 1,048 |
| Noninterest income to average assets | 0.6243% | 2,719 |
| Noninterest expense to average assets | 2.1553% | 5,450 |
| Loan and lease loss provision to assets | 0.2038% | 1,153 |
| Net operating income to assets | 1.3586% | 1,231 |
| Return on assets (ROA) | 1.3586% | 1,275 |
| Pretax return on assets | 2.2624% | 321 |
| Return on Equity (ROE) | 10.5539% | 1,966 |
| Retained earnings to average equity (ytd only) | 4.5478% | 3,409 |
| Net charge-offs to loans | 0.2353% | 1,639 |
| Credit loss provision to net charge-offs | 109.7373% | 2,045 |
| Earnings coverage of net charge-offs (x) | 13.2815% | 2,243 |
| Efficiency ratio | 46.2191% | 6,288 |
| Assets per employee ($millions) | 7.5996% | 613 |
| Cash dividends to net income (ytd only)* | 56.9094% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 3,983 |
| Loan loss allowance to noncurrent loans | 67.6670% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.7910% | 1,665 |
| Noncurrent loans to loans | 1.8405% | 1,739 |
| Net loans and leases to total assets | 78.1481% | 942 |
| Net loans and leases to deposits | 98.0085% | 736 |
| Net loans and leases to core deposits | 117.5153% | 452 |
| Total domestic deposits to total assets | 79.7360% | 5,165 |
| Equity capital to assets | 12.8858% | 1,485 |
| Core capital (leverage) ratio | 11.6025% | 1,980 |
| Tier 1 risk-based capital ratio | 13.5078% | 4,534 |
| Total risk-based capital ratio | 14.7107% | 4,510 |
| Memoranda: | ||
| Average total assets | $6,725,200,500 | 149 |
| Average earning assets | $6,249,015,000 | 142 |
| Average equity | $865,753,500 | 147 |
| Average total loans | $5,306,772,500 | 132 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8515% | 986 |
| Cost of funding earning assets | 0.5338% | 2,504 |
| Net interest margin | 4.3177% | 990 |
| Noninterest income to average assets | 0.6406% | 2,598 |
| Noninterest expense to average assets | 2.1416% | 5,535 |
| Loan and lease loss provision to assets | 0.1809% | 1,356 |
| Net operating income to assets | 1.3967% | 1,071 |
| Return on assets (ROA) | 1.3967% | 1,113 |
| Pretax return on assets | 2.3223% | 289 |
| Return on Equity (ROE) | 10.8529% | 1,789 |
| Retained earnings to average equity (ytd only) | 3.6181% | 3,886 |
| Net charge-offs to loans | 0.2466% | 1,575 |
| Credit loss provision to net charge-offs | 93.0470% | 2,129 |
| Earnings coverage of net charge-offs (x) | 12.8779% | 2,024 |
| Efficiency ratio | 45.6880% | 6,372 |
| Assets per employee ($millions) | 7.8423% | 535 |
| Cash dividends to net income (ytd only)* | 66.6624% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 4,227 |
| Loan loss allowance to noncurrent loans | 57.2331% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 2.0030% | 1,601 |
| Noncurrent loans to loans | 2.1635% | 1,529 |
| Net loans and leases to total assets | 77.7256% | 942 |
| Net loans and leases to deposits | 97.2949% | 718 |
| Net loans and leases to core deposits | 117.2926% | 448 |
| Total domestic deposits to total assets | 79.8866% | 5,268 |
| Equity capital to assets | 12.8179% | 1,476 |
| Core capital (leverage) ratio | 11.4545% | 2,044 |
| Tier 1 risk-based capital ratio | 13.4755% | 4,600 |
| Total risk-based capital ratio | 14.6727% | 4,580 |
| Memoranda: | ||
| Average total assets | $6,659,183,330 | 149 |
| Average earning assets | $6,175,657,670 | 142 |
| Average equity | $856,966,670 | 150 |
| Average total loans | $5,249,489,330 | 133 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8286% | 987 |
| Cost of funding earning assets | 0.5201% | 2,717 |
| Net interest margin | 4.3085% | 979 |
| Noninterest income to average assets | 0.6689% | 2,348 |
| Noninterest expense to average assets | 2.1214% | 5,640 |
| Loan and lease loss provision to assets | 0.1846% | 1,294 |
| Net operating income to assets | 1.4193% | 955 |
| Return on assets (ROA) | 1.4193% | 998 |
| Pretax return on assets | 2.3554% | 281 |
| Return on Equity (ROE) | 11.0057% | 1,679 |
| Retained earnings to average equity (ytd only) | -0.8192% | 5,696 |
| Net charge-offs to loans | 0.3593% | 1,002 |
| Credit loss provision to net charge-offs | 65.1173% | 2,052 |
| Earnings coverage of net charge-offs (x) | 8.9608% | 1,979 |
| Efficiency ratio | 45.0864% | 6,454 |
| Assets per employee ($millions) | 7.7406% | 552 |
| Cash dividends to net income (ytd only)* | 107.4437% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 4,349 |
| Loan loss allowance to noncurrent loans | 52.4476% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 2.1797% | 1,524 |
| Noncurrent loans to loans | 2.3952% | 1,464 |
| Net loans and leases to total assets | 77.4846% | 820 |
| Net loans and leases to deposits | 96.5897% | 613 |
| Net loans and leases to core deposits | 118.5387% | 349 |
| Total domestic deposits to total assets | 80.2203% | 5,446 |
| Equity capital to assets | 12.8775% | 1,369 |
| Core capital (leverage) ratio | 11.6588% | 1,858 |
| Tier 1 risk-based capital ratio | 13.4323% | 4,741 |
| Total risk-based capital ratio | 14.6273% | 4,712 |
| Memoranda: | ||
| Average total assets | $6,557,788,000 | 152 |
| Average earning assets | $6,076,611,000 | 146 |
| Average equity | $845,669,000 | 151 |
| Average total loans | $5,174,043,500 | 134 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 770 |
| Cost of funding earning assets | 0.5078% | 3,528 |
| Net interest margin | 4.5861% | 629 |
| Noninterest income to average assets | 0.7003% | 2,538 |
| Noninterest expense to average assets | 2.2696% | 5,462 |
| Loan and lease loss provision to assets | 0.3323% | 975 |
| Net operating income to assets | 1.4258% | 972 |
| Return on assets (ROA) | 1.4264% | 1,012 |
| Pretax return on assets | 2.3334% | 251 |
| Return on Equity (ROE) | 10.6149% | 1,889 |
| Retained earnings to average equity (ytd only) | 8.1740% | 997 |
| Net charge-offs to loans | 0.4170% | 1,608 |
| Credit loss provision to net charge-offs | 101.9316% | 2,369 |
| Earnings coverage of net charge-offs (x) | 8.1747% | 2,713 |
| Efficiency ratio | 45.5861% | 6,576 |
| Assets per employee ($millions) | 7.7256% | 542 |
| Cash dividends to net income (ytd only)* | 22.9949% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,062 |
| Loan loss allowance to noncurrent loans | 57.1230% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 2.2034% | 1,621 |
| Noncurrent loans to loans | 2.3025% | 1,672 |
| Net loans and leases to total assets | 78.2987% | 785 |
| Net loans and leases to deposits | 97.9257% | 593 |
| Net loans and leases to core deposits | 118.2700% | 367 |
| Total domestic deposits to total assets | 79.9573% | 5,452 |
| Equity capital to assets | 12.9144% | 1,312 |
| Core capital (leverage) ratio | 11.7859% | 1,770 |
| Tier 1 risk-based capital ratio | 13.4569% | 4,679 |
| Total risk-based capital ratio | 14.6981% | 4,627 |
| Memoranda: | ||
| Average total assets | $6,019,055,200 | 162 |
| Average earning assets | $5,557,103,800 | 152 |
| Average equity | $808,804,600 | 146 |
| Average total loans | $4,704,963,600 | 137 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0906% | 783 |
| Cost of funding earning assets | 0.5064% | 3,714 |
| Net interest margin | 4.5842% | 635 |
| Noninterest income to average assets | 0.6975% | 2,624 |
| Noninterest expense to average assets | 2.2096% | 5,583 |
| Loan and lease loss provision to assets | 0.2041% | 1,779 |
| Net operating income to assets | 1.5257% | 860 |
| Return on assets (ROA) | 1.5264% | 902 |
| Pretax return on assets | 2.5131% | 239 |
| Return on Equity (ROE) | 11.2403% | 1,739 |
| Retained earnings to average equity (ytd only) | 8.2744% | 1,307 |
| Net charge-offs to loans | 0.2977% | 2,048 |
| Credit loss provision to net charge-offs | 88.0693% | 2,671 |
| Earnings coverage of net charge-offs (x) | 11.7178% | 2,211 |
| Efficiency ratio | 44.5056% | 6,640 |
| Assets per employee ($millions) | 7.6025% | 561 |
| Cash dividends to net income (ytd only)* | 26.3868% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 4,251 |
| Loan loss allowance to noncurrent loans | 60.6546% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 2.1515% | 1,858 |
| Noncurrent loans to loans | 2.1894% | 2,019 |
| Net loans and leases to total assets | 77.2862% | 835 |
| Net loans and leases to deposits | 97.0740% | 619 |
| Net loans and leases to core deposits | 118.6297% | 347 |
| Total domestic deposits to total assets | 79.6157% | 5,603 |
| Equity capital to assets | 13.0997% | 1,285 |
| Core capital (leverage) ratio | 11.8836% | 1,747 |
| Tier 1 risk-based capital ratio | 13.4804% | 4,770 |
| Total risk-based capital ratio | 14.7291% | 4,723 |
| Memoranda: | ||
| Average total assets | $5,911,094,500 | 160 |
| Average earning assets | $5,451,956,500 | 151 |
| Average equity | $802,731,500 | 145 |
| Average total loans | $4,601,631,750 | 138 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 784 |
| Cost of funding earning assets | 0.5047% | 3,854 |
| Net interest margin | 4.5859% | 610 |
| Noninterest income to average assets | 0.7015% | 2,629 |
| Noninterest expense to average assets | 2.2210% | 5,574 |
| Loan and lease loss provision to assets | 0.2876% | 1,266 |
| Net operating income to assets | 1.4748% | 945 |
| Return on assets (ROA) | 1.4760% | 1,014 |
| Pretax return on assets | 2.4410% | 291 |
| Return on Equity (ROE) | 10.7308% | 1,918 |
| Retained earnings to average equity (ytd only) | 8.7528% | 1,200 |
| Net charge-offs to loans | 0.1592% | 2,829 |
| Credit loss provision to net charge-offs | 232.5308% | 1,070 |
| Earnings coverage of net charge-offs (x) | 22.0442% | 1,389 |
| Efficiency ratio | 44.5311% | 6,696 |
| Assets per employee ($millions) | 7.8232% | 492 |
| Cash dividends to net income (ytd only)* | 18.4328% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 3,261 |
| Loan loss allowance to noncurrent loans | 83.9531% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.6208% | 2,680 |
| Noncurrent loans to loans | 1.8718% | 2,530 |
| Net loans and leases to total assets | 76.6187% | 909 |
| Net loans and leases to deposits | 97.9164% | 545 |
| Net loans and leases to core deposits | 120.8392% | 305 |
| Total domestic deposits to total assets | 78.2491% | 5,935 |
| Equity capital to assets | 13.8380% | 1,012 |
| Core capital (leverage) ratio | 12.4433% | 1,390 |
| Tier 1 risk-based capital ratio | 14.6933% | 3,974 |
| Total risk-based capital ratio | 15.9461% | 3,936 |
| Memoranda: | ||
| Average total assets | $5,775,562,330 | 164 |
| Average earning assets | $5,347,788,670 | 154 |
| Average equity | $794,441,670 | 145 |
| Average total loans | $4,486,036,000 | 141 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 847 |
| Cost of funding earning assets | 0.4999% | 4,090 |
| Net interest margin | 4.5313% | 640 |
| Noninterest income to average assets | 0.6811% | 2,692 |
| Noninterest expense to average assets | 2.1534% | 5,794 |
| Loan and lease loss provision to assets | 0.5237% | 509 |
| Net operating income to assets | 1.3288% | 1,207 |
| Return on assets (ROA) | 1.3312% | 1,304 |
| Pretax return on assets | 2.2014% | 423 |
| Return on Equity (ROE) | 9.7075% | 2,189 |
| Retained earnings to average equity (ytd only) | 7.7224% | 1,849 |
| Net charge-offs to loans | 0.1061% | 2,812 |
| Credit loss provision to net charge-offs | 636.1017% | 432 |
| Earnings coverage of net charge-offs (x) | 33.0568% | 912 |
| Efficiency ratio | 43.8367% | 6,781 |
| Assets per employee ($millions) | 7.6508% | 578 |
| Cash dividends to net income (ytd only)* | 20.4497% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 3,361 |
| Loan loss allowance to noncurrent loans | 87.6359% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.5785% | 2,893 |
| Noncurrent loans to loans | 1.8379% | 2,816 |
| Net loans and leases to total assets | 76.7716% | 742 |
| Net loans and leases to deposits | 98.0023% | 443 |
| Net loans and leases to core deposits | 122.0446% | 261 |
| Total domestic deposits to total assets | 78.3366% | 6,068 |
| Equity capital to assets | 13.7696% | 1,108 |
| Core capital (leverage) ratio | 12.4181% | 1,375 |
| Tier 1 risk-based capital ratio | 14.3812% | 4,253 |
| Total risk-based capital ratio | 15.6366% | 4,216 |
| Memoranda: | ||
| Average total assets | $5,733,538,500 | 167 |
| Average earning assets | $5,306,199,000 | 158 |
| Average equity | $786,235,500 | 152 |
| Average total loans | $4,448,437,500 | 144 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5393% | 577 |
| Cost of funding earning assets | 0.5704% | 4,642 |
| Net interest margin | 4.9689% | 404 |
| Noninterest income to average assets | 0.7116% | 2,667 |
| Noninterest expense to average assets | 2.1409% | 6,047 |
| Loan and lease loss provision to assets | 0.3626% | 1,827 |
| Net operating income to assets | 1.6738% | 649 |
| Return on assets (ROA) | 1.6854% | 715 |
| Pretax return on assets | 2.7872% | 176 |
| Return on Equity (ROE) | 11.5771% | 1,630 |
| Retained earnings to average equity (ytd only) | -1.3308% | 6,067 |
| Net charge-offs to loans | 0.3527% | 2,870 |
| Credit loss provision to net charge-offs | 135.3454% | 2,058 |
| Earnings coverage of net charge-offs (x) | 11.6896% | 2,006 |
| Efficiency ratio | 40.1564% | 6,924 |
| Assets per employee ($millions) | 8.0073% | 498 |
| Cash dividends to net income (ytd only)* | 111.4953% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 3,572 |
| Loan loss allowance to noncurrent loans | 101.8563% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.2137% | 3,637 |
| Noncurrent loans to loans | 1.5116% | 3,336 |
| Net loans and leases to total assets | 75.9415% | 918 |
| Net loans and leases to deposits | 97.2240% | 551 |
| Net loans and leases to core deposits | 119.8173% | 285 |
| Total domestic deposits to total assets | 78.1098% | 6,063 |
| Equity capital to assets | 13.6544% | 1,171 |
| Core capital (leverage) ratio | 12.3760% | 1,370 |
| Tier 1 risk-based capital ratio | 14.4712% | 4,056 |
| Total risk-based capital ratio | 15.7267% | 3,997 |
| Memoranda: | ||
| Average total assets | $5,268,473,800 | 168 |
| Average earning assets | $4,836,059,200 | 164 |
| Average equity | $766,969,400 | 147 |
| Average total loans | $4,002,410,200 | 151 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6497% | 511 |
| Cost of funding earning assets | 0.5818% | 4,828 |
| Net interest margin | 5.0679% | 360 |
| Noninterest income to average assets | 0.7241% | 2,601 |
| Noninterest expense to average assets | 2.1606% | 6,034 |
| Loan and lease loss provision to assets | 0.4297% | 1,477 |
| Net operating income to assets | 1.6928% | 690 |
| Return on assets (ROA) | 1.7085% | 749 |
| Pretax return on assets | 2.8013% | 192 |
| Return on Equity (ROE) | 11.5410% | 1,782 |
| Retained earnings to average equity (ytd only) | -4.9886% | 6,614 |
| Net charge-offs to loans | 0.4318% | 2,373 |
| Credit loss provision to net charge-offs | 131.5408% | 2,188 |
| Earnings coverage of net charge-offs (x) | 9.8162% | 2,266 |
| Efficiency ratio | 39.8037% | 7,015 |
| Assets per employee ($millions) | 7.7913% | 516 |
| Cash dividends to net income (ytd only)* | 143.2254% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 3,524 |
| Loan loss allowance to noncurrent loans | 87.1689% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.4973% | 3,347 |
| Noncurrent loans to loans | 1.8329% | 3,029 |
| Net loans and leases to total assets | 76.2218% | 943 |
| Net loans and leases to deposits | 99.7429% | 451 |
| Net loans and leases to core deposits | 123.5215% | 257 |
| Total domestic deposits to total assets | 76.4183% | 6,326 |
| Equity capital to assets | 14.1228% | 1,109 |
| Core capital (leverage) ratio | 12.7416% | 1,300 |
| Tier 1 risk-based capital ratio | 14.7517% | 4,013 |
| Total risk-based capital ratio | 16.0093% | 3,967 |
| Memoranda: | ||
| Average total assets | $5,176,301,500 | 171 |
| Average earning assets | $4,742,397,500 | 167 |
| Average equity | $766,282,250 | 149 |
| Average total loans | $3,916,040,750 | 153 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7804% | 417 |
| Cost of funding earning assets | 0.5920% | 4,965 |
| Net interest margin | 5.1885% | 293 |
| Noninterest income to average assets | 0.8116% | 2,128 |
| Noninterest expense to average assets | 2.2023% | 6,003 |
| Loan and lease loss provision to assets | 0.3817% | 1,711 |
| Net operating income to assets | 1.8141% | 545 |
| Return on assets (ROA) | 1.8345% | 599 |
| Pretax return on assets | 3.0053% | 153 |
| Return on Equity (ROE) | 12.1975% | 1,605 |
| Retained earnings to average equity (ytd only) | -12.4512% | 6,899 |
| Net charge-offs to loans | 0.3240% | 2,739 |
| Credit loss provision to net charge-offs | 157.0144% | 1,769 |
| Earnings coverage of net charge-offs (x) | 13.8014% | 1,761 |
| Efficiency ratio | 39.1778% | 7,075 |
| Assets per employee ($millions) | 7.7280% | 526 |
| Cash dividends to net income (ytd only)* | 202.0804% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 3,335 |
| Loan loss allowance to noncurrent loans | 80.9741% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.7360% | 3,124 |
| Noncurrent loans to loans | 2.0704% | 2,863 |
| Net loans and leases to total assets | 76.1265% | 952 |
| Net loans and leases to deposits | 98.3795% | 505 |
| Net loans and leases to core deposits | 117.5557% | 354 |
| Total domestic deposits to total assets | 77.3805% | 6,266 |
| Equity capital to assets | 14.4820% | 923 |
| Core capital (leverage) ratio | 12.4904% | 1,358 |
| Tier 1 risk-based capital ratio | 14.9811% | 3,778 |
| Total risk-based capital ratio | 16.2388% | 3,724 |
| Memoranda: | ||
| Average total assets | $5,125,328,670 | 171 |
| Average earning assets | $4,688,119,330 | 167 |
| Average equity | $770,831,670 | 147 |
| Average total loans | $3,845,395,000 | 153 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8037% | 422 |
| Cost of funding earning assets | 0.5951% | 5,174 |
| Net interest margin | 5.2086% | 291 |
| Noninterest income to average assets | 0.8287% | 2,037 |
| Noninterest expense to average assets | 2.1811% | 6,092 |
| Loan and lease loss provision to assets | 0.2014% | 2,927 |
| Net operating income to assets | 1.9451% | 465 |
| Return on assets (ROA) | 1.9856% | 493 |
| Pretax return on assets | 3.2744% | 143 |
| Return on Equity (ROE) | 12.9675% | 1,413 |
| Retained earnings to average equity (ytd only) | 12.9675% | 688 |
| Net charge-offs to loans | 0.2352% | 2,755 |
| Credit loss provision to net charge-offs | 115.9162% | 2,038 |
| Earnings coverage of net charge-offs (x) | 19.6447% | 1,220 |
| Efficiency ratio | 38.5249% | 7,138 |
| Assets per employee ($millions) | 7.8156% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 3,592 |
| Loan loss allowance to noncurrent loans | 62.8140% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 2.0293% | 2,857 |
| Noncurrent loans to loans | 2.6051% | 2,494 |
| Net loans and leases to total assets | 72.5011% | 1,316 |
| Net loans and leases to deposits | 93.9990% | 663 |
| Net loans and leases to core deposits | 110.2093% | 528 |
| Total domestic deposits to total assets | 77.1296% | 6,384 |
| Equity capital to assets | 15.5521% | 648 |
| Core capital (leverage) ratio | 13.8098% | 855 |
| Tier 1 risk-based capital ratio | 17.2731% | 2,565 |
| Total risk-based capital ratio | 18.5291% | 2,537 |
| Memoranda: | ||
| Average total assets | $5,164,807,000 | 169 |
| Average earning assets | $4,724,991,000 | 165 |
| Average equity | $790,840,000 | 143 |
| Average total loans | $3,814,526,500 | 152 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8726% | 7,329 |
| Cost of funding earning assets | 0.1119% | 7,297 |
| Net interest margin | 0.7607% | 7,323 |
| Noninterest income to average assets | 0.1058% | 6,616 |
| Noninterest expense to average assets | 0.6460% | 7,321 |
| Loan and lease loss provision to assets | 0.2161% | 4,033 |
| Net operating income to assets | -0.0211% | 6,073 |
| Return on assets (ROA) | 0.0063% | 6,151 |
| Pretax return on assets | -0.0111% | 6,145 |
| Return on Equity (ROE) | 0.0455% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.0455% | 5,817 |
| Net charge-offs to loans | 0.1396% | 5,031 |
| Credit loss provision to net charge-offs | 217.1318% | 1,123 |
| Earnings coverage of net charge-offs (x) | 1.6288% | 4,549 |
| Efficiency ratio | 79.6172% | 2,358 |
| Assets per employee ($millions) | 7.6157% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 3,507 |
| Loan loss allowance to noncurrent loans | 84.3251% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.5705% | 3,588 |
| Noncurrent loans to loans | 1.9226% | 3,305 |
| Net loans and leases to total assets | 72.8053% | 1,492 |
| Net loans and leases to deposits | 93.8089% | 823 |
| Net loans and leases to core deposits | 110.0609% | 620 |
| Total domestic deposits to total assets | 77.6103% | 6,256 |
| Equity capital to assets | 15.0719% | 764 |
| Core capital (leverage) ratio | 12.7275% | 1,252 |
| Tier 1 risk-based capital ratio | 16.4973% | 2,823 |
| Total risk-based capital ratio | 17.7534% | 2,785 |
| Memoranda: | ||
| Average total assets | $2,845,065,600 | 250 |
| Average earning assets | $2,626,347,200 | 241 |
| Average equity | $393,288,400 | 222 |
| Average total loans | $2,028,504,400 | 235 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 5,687 |
| Cost of funding earning assets | 1.1180% | 2,852 |
| Net interest margin | 3.2575% | 5,992 |
| Noninterest income to average assets | 1.1665% | 965 |
| Noninterest expense to average assets | 2.1491% | 6,398 |
| Loan and lease loss provision to assets | 0.7180% | 1,336 |
| Net operating income to assets | 1.1813% | 1,708 |
| Return on assets (ROA) | 1.1813% | 1,825 |
| Pretax return on assets | 1.3234% | 2,208 |
| Return on Equity (ROE) | 9.0092% | 2,591 |
| Retained earnings to average equity (ytd only) | 9.0092% | 1,141 |
| Net charge-offs to loans | 1.4468% | 1,014 |
| Credit loss provision to net charge-offs | 71.1412% | 4,445 |
| Earnings coverage of net charge-offs (x) | 2.0226% | 4,132 |
| Efficiency ratio | 50.1559% | 6,819 |
| Assets per employee ($millions) | 7.0815% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0824% | 812 |
| Loan loss allowance to noncurrent loans | 90.0006% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 2.4536% | 2,624 |
| Noncurrent loans to loans | 3.4248% | 2,007 |
| Net loans and leases to total assets | 66.9606% | 2,679 |
| Net loans and leases to deposits | 83.9812% | 2,002 |
| Net loans and leases to core deposits | 99.7493% | 1,266 |
| Total domestic deposits to total assets | 79.7329% | 5,819 |
| Equity capital to assets | 13.7099% | 1,282 |
| Core capital (leverage) ratio | 13.3791% | 1,082 |
| Tier 1 risk-based capital ratio | 19.6367% | 1,777 |
| Total risk-based capital ratio | 20.9097% | 1,741 |
| Memoranda: | ||
| Average total assets | $2,265,464,000 | 310 |
| Average earning assets | $2,103,065,500 | 296 |
| Average equity | $297,052,000 | 266 |
| Average total loans | $1,580,322,000 | 286 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 5,766 |
| Cost of funding earning assets | 1.1497% | 2,904 |
| Net interest margin | 3.2292% | 6,068 |
| Noninterest income to average assets | 1.2030% | 887 |
| Noninterest expense to average assets | 2.1915% | 6,406 |
| Loan and lease loss provision to assets | 0.9702% | 910 |
| Net operating income to assets | 0.9245% | 2,537 |
| Return on assets (ROA) | 0.9245% | 2,644 |
| Pretax return on assets | 1.0433% | 3,064 |
| Return on Equity (ROE) | 7.1590% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.1590% | 1,807 |
| Net charge-offs to loans | 1.6961% | 850 |
| Credit loss provision to net charge-offs | 81.7418% | 3,717 |
| Earnings coverage of net charge-offs (x) | 1.6964% | 4,025 |
| Efficiency ratio | 50.9753% | 6,876 |
| Assets per employee ($millions) | 7.2061% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2504% | 725 |
| Loan loss allowance to noncurrent loans | 96.9553% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 2.3549% | 2,797 |
| Noncurrent loans to loans | 3.3525% | 2,128 |
| Net loans and leases to total assets | 66.3512% | 2,957 |
| Net loans and leases to deposits | 83.8164% | 2,135 |
| Net loans and leases to core deposits | 100.7229% | 1,277 |
| Total domestic deposits to total assets | 79.1626% | 6,043 |
| Equity capital to assets | 13.1879% | 1,433 |
| Core capital (leverage) ratio | 13.0377% | 1,148 |
| Tier 1 risk-based capital ratio | 19.1541% | 1,800 |
| Total risk-based capital ratio | 20.4293% | 1,759 |
| Memoranda: | ||
| Average total assets | $2,267,619,670 | 315 |
| Average earning assets | $2,108,046,330 | 302 |
| Average equity | $292,834,000 | 270 |
| Average total loans | $1,586,847,000 | 293 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 5,754 |
| Cost of funding earning assets | 1.1726% | 2,998 |
| Net interest margin | 3.2087% | 6,042 |
| Noninterest income to average assets | 1.2862% | 771 |
| Noninterest expense to average assets | 2.1470% | 6,536 |
| Loan and lease loss provision to assets | 1.0589% | 704 |
| Net operating income to assets | 0.9744% | 2,266 |
| Return on assets (ROA) | 0.9744% | 2,330 |
| Pretax return on assets | 1.0635% | 2,889 |
| Return on Equity (ROE) | 7.6264% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.6264% | 1,877 |
| Net charge-offs to loans | 1.7572% | 746 |
| Credit loss provision to net charge-offs | 85.2636% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.7090% | 3,457 |
| Efficiency ratio | 49.1298% | 7,056 |
| Assets per employee ($millions) | 7.0909% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3377% | 693 |
| Loan loss allowance to noncurrent loans | 96.6214% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 2.4486% | 2,776 |
| Noncurrent loans to loans | 3.4544% | 2,166 |
| Net loans and leases to total assets | 66.6033% | 2,856 |
| Net loans and leases to deposits | 84.4077% | 1,968 |
| Net loans and leases to core deposits | 102.1875% | 1,188 |
| Total domestic deposits to total assets | 78.9066% | 6,217 |
| Equity capital to assets | 12.9360% | 1,409 |
| Core capital (leverage) ratio | 12.6650% | 1,260 |
| Tier 1 risk-based capital ratio | 18.8642% | 1,841 |
| Total risk-based capital ratio | 20.1407% | 1,795 |
| Memoranda: | ||
| Average total assets | $2,266,461,500 | 317 |
| Average earning assets | $2,107,130,500 | 305 |
| Average equity | $289,572,000 | 267 |
| Average total loans | $1,601,905,500 | 291 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 5,952 |
| Cost of funding earning assets | 1.3255% | 3,715 |
| Net interest margin | 3.3257% | 5,889 |
| Noninterest income to average assets | 1.0725% | 1,302 |
| Noninterest expense to average assets | 2.0821% | 6,886 |
| Loan and lease loss provision to assets | 0.9932% | 1,635 |
| Net operating income to assets | 0.9942% | 2,062 |
| Return on assets (ROA) | 1.0849% | 1,835 |
| Pretax return on assets | 1.1888% | 2,263 |
| Return on Equity (ROE) | 8.7194% | 2,412 |
| Retained earnings to average equity (ytd only) | 8.7194% | 780 |
| Net charge-offs to loans | 1.7448% | 1,231 |
| Credit loss provision to net charge-offs | 80.0480% | 5,562 |
| Earnings coverage of net charge-offs (x) | 1.6783% | 4,481 |
| Efficiency ratio | 49.0421% | 7,200 |
| Assets per employee ($millions) | 7.0090% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2249% | 719 |
| Loan loss allowance to noncurrent loans | 86.9929% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 2.7912% | 2,508 |
| Noncurrent loans to loans | 3.7071% | 2,004 |
| Net loans and leases to total assets | 70.1110% | 2,514 |
| Net loans and leases to deposits | 89.6246% | 1,579 |
| Net loans and leases to core deposits | 112.2862% | 801 |
| Total domestic deposits to total assets | 78.2275% | 6,268 |
| Equity capital to assets | 12.6174% | 1,569 |
| Core capital (leverage) ratio | 12.4998% | 1,317 |
| Tier 1 risk-based capital ratio | 17.2574% | 2,244 |
| Total risk-based capital ratio | 18.5318% | 2,205 |
| Memoranda: | ||
| Average total assets | $2,216,120,200 | 320 |
| Average earning assets | $2,060,373,400 | 305 |
| Average equity | $275,741,600 | 273 |
| Average total loans | $1,575,852,000 | 297 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6961% | 6,035 |
| Cost of funding earning assets | 1.3466% | 3,925 |
| Net interest margin | 3.3495% | 5,847 |
| Noninterest income to average assets | 1.1451% | 1,070 |
| Noninterest expense to average assets | 2.0612% | 6,932 |
| Loan and lease loss provision to assets | 0.9686% | 1,545 |
| Net operating income to assets | 0.9898% | 2,273 |
| Return on assets (ROA) | 1.0968% | 2,006 |
| Pretax return on assets | 1.3631% | 1,998 |
| Return on Equity (ROE) | 8.8467% | 2,541 |
| Retained earnings to average equity (ytd only) | 8.8467% | 1,102 |
| Net charge-offs to loans | 1.7181% | 1,135 |
| Credit loss provision to net charge-offs | 79.6694% | 5,148 |
| Earnings coverage of net charge-offs (x) | 1.8079% | 4,356 |
| Efficiency ratio | 47.6477% | 7,289 |
| Assets per employee ($millions) | 7.1714% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4492% | 562 |
| Loan loss allowance to noncurrent loans | 100.7213% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 2.6511% | 2,731 |
| Noncurrent loans to loans | 3.4245% | 2,323 |
| Net loans and leases to total assets | 67.2710% | 3,390 |
| Net loans and leases to deposits | 84.7970% | 2,552 |
| Net loans and leases to core deposits | 116.7853% | 726 |
| Total domestic deposits to total assets | 79.3318% | 5,921 |
| Equity capital to assets | 12.4961% | 1,862 |
| Core capital (leverage) ratio | 12.3104% | 1,501 |
| Tier 1 risk-based capital ratio | 17.6832% | 2,118 |
| Total risk-based capital ratio | 18.9606% | 2,074 |
| Memoranda: | ||
| Average total assets | $2,202,417,500 | 319 |
| Average earning assets | $2,047,615,000 | 308 |
| Average equity | $273,044,000 | 270 |
| Average total loans | $1,558,507,500 | 300 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 6,047 |
| Cost of funding earning assets | 1.3597% | 4,128 |
| Net interest margin | 3.3693% | 5,759 |
| Noninterest income to average assets | 1.3324% | 713 |
| Noninterest expense to average assets | 2.0232% | 7,066 |
| Loan and lease loss provision to assets | 1.1003% | 1,300 |
| Net operating income to assets | 0.9253% | 2,455 |
| Return on assets (ROA) | 1.0650% | 2,040 |
| Pretax return on assets | 1.5460% | 1,446 |
| Return on Equity (ROE) | 8.6144% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.6144% | 1,224 |
| Net charge-offs to loans | 1.5606% | 1,217 |
| Credit loss provision to net charge-offs | 99.1080% | 4,146 |
| Earnings coverage of net charge-offs (x) | 2.2011% | 3,915 |
| Efficiency ratio | 44.8580% | 7,490 |
| Assets per employee ($millions) | 7.1948% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6613% | 488 |
| Loan loss allowance to noncurrent loans | 73.2617% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 3.6991% | 1,893 |
| Noncurrent loans to loans | 4.9975% | 1,377 |
| Net loans and leases to total assets | 67.6301% | 3,466 |
| Net loans and leases to deposits | 85.1103% | 2,679 |
| Net loans and leases to core deposits | 120.6316% | 675 |
| Total domestic deposits to total assets | 79.4618% | 5,900 |
| Equity capital to assets | 12.1631% | 2,004 |
| Core capital (leverage) ratio | 12.0939% | 1,595 |
| Tier 1 risk-based capital ratio | 16.7876% | 2,367 |
| Total risk-based capital ratio | 18.0668% | 2,302 |
| Memoranda: | ||
| Average total assets | $2,181,174,330 | 319 |
| Average earning assets | $2,029,225,670 | 307 |
| Average equity | $269,665,330 | 272 |
| Average total loans | $1,551,703,670 | 302 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7438% | 6,099 |
| Cost of funding earning assets | 1.4182% | 4,058 |
| Net interest margin | 3.3256% | 5,885 |
| Noninterest income to average assets | 0.6627% | 2,866 |
| Noninterest expense to average assets | 1.9530% | 7,246 |
| Loan and lease loss provision to assets | 1.3115% | 918 |
| Net operating income to assets | 0.3477% | 5,090 |
| Return on assets (ROA) | 0.6374% | 3,842 |
| Pretax return on assets | 0.9160% | 3,408 |
| Return on Equity (ROE) | 5.1114% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.1114% | 3,098 |
| Net charge-offs to loans | 1.1852% | 1,435 |
| Credit loss provision to net charge-offs | 154.4572% | 2,317 |
| Earnings coverage of net charge-offs (x) | 2.1359% | 3,468 |
| Efficiency ratio | 51.2634% | 7,211 |
| Assets per employee ($millions) | 7.5906% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0103% | 372 |
| Loan loss allowance to noncurrent loans | 86.6326% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 3.5300% | 1,992 |
| Noncurrent loans to loans | 4.6291% | 1,606 |
| Net loans and leases to total assets | 70.2157% | 2,880 |
| Net loans and leases to deposits | 89.4194% | 2,000 |
| Net loans and leases to core deposits | 138.6484% | 344 |
| Total domestic deposits to total assets | 78.5241% | 6,202 |
| Equity capital to assets | 12.8525% | 1,577 |
| Core capital (leverage) ratio | 12.4599% | 1,422 |
| Tier 1 risk-based capital ratio | 16.4483% | 2,474 |
| Total risk-based capital ratio | 17.7299% | 2,412 |
| Memoranda: | ||
| Average total assets | $2,134,989,000 | 333 |
| Average earning assets | $1,992,666,500 | 317 |
| Average equity | $266,231,000 | 280 |
| Average total loans | $1,529,537,500 | 317 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 5,870 |
| Cost of funding earning assets | 2.0798% | 2,570 |
| Net interest margin | 3.0718% | 6,466 |
| Noninterest income to average assets | 0.5893% | 3,715 |
| Noninterest expense to average assets | 1.9790% | 7,398 |
| Loan and lease loss provision to assets | 3.5943% | 424 |
| Net operating income to assets | -1.8811% | 7,040 |
| Return on assets (ROA) | -1.8834% | 7,042 |
| Pretax return on assets | -2.1146% | 6,983 |
| Return on Equity (ROE) | -18.1907% | 7,087 |
| Retained earnings to average equity (ytd only) | -18.1907% | 7,042 |
| Net charge-offs to loans | 3.5007% | 553 |
| Credit loss provision to net charge-offs | 135.6754% | 3,648 |
| Earnings coverage of net charge-offs (x) | 0.5595% | 5,548 |
| Efficiency ratio | 55.9809% | 7,016 |
| Assets per employee ($millions) | 8.0226% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8072% | 406 |
| Loan loss allowance to noncurrent loans | 92.2620% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 3.0925% | 2,245 |
| Noncurrent loans to loans | 4.1265% | 1,781 |
| Net loans and leases to total assets | 67.5367% | 3,810 |
| Net loans and leases to deposits | 83.9662% | 3,276 |
| Net loans and leases to core deposits | 120.4460% | 1,917 |
| Total domestic deposits to total assets | 80.4332% | 5,542 |
| Equity capital to assets | 12.1066% | 1,973 |
| Core capital (leverage) ratio | 12.0015% | 1,669 |
| Tier 1 risk-based capital ratio | 15.9423% | 2,548 |
| Total risk-based capital ratio | 17.2212% | 2,464 |
| Memoranda: | ||
| Average total assets | $2,155,439,600 | 329 |
| Average earning assets | $2,015,156,400 | 323 |
| Average equity | $223,163,800 | 320 |
| Average total loans | $1,631,150,200 | 315 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2850% | 5,507 |
| Cost of funding earning assets | 2.1927% | 2,439 |
| Net interest margin | 3.0924% | 6,331 |
| Noninterest income to average assets | 0.6560% | 3,316 |
| Noninterest expense to average assets | 1.9764% | 7,425 |
| Loan and lease loss provision to assets | 3.4064% | 396 |
| Net operating income to assets | -1.0136% | 6,846 |
| Return on assets (ROA) | -1.0158% | 6,856 |
| Pretax return on assets | -1.8393% | 7,106 |
| Return on Equity (ROE) | -10.2543% | 6,913 |
| Retained earnings to average equity (ytd only) | -10.2543% | 6,829 |
| Net charge-offs to loans | 2.3403% | 796 |
| Credit loss provision to net charge-offs | 188.8606% | 2,410 |
| Earnings coverage of net charge-offs (x) | 0.8708% | 5,187 |
| Efficiency ratio | 54.7102% | 7,158 |
| Assets per employee ($millions) | 7.8786% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0178% | 296 |
| Loan loss allowance to noncurrent loans | 148.7791% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 2.1753% | 3,128 |
| Noncurrent loans to loans | 2.7005% | 2,808 |
| Net loans and leases to total assets | 69.5304% | 3,609 |
| Net loans and leases to deposits | 83.9683% | 3,651 |
| Net loans and leases to core deposits | 123.1693% | 1,981 |
| Total domestic deposits to total assets | 82.8055% | 4,318 |
| Equity capital to assets | 9.3786% | 4,914 |
| Core capital (leverage) ratio | 9.0261% | 4,608 |
| Tier 1 risk-based capital ratio | 11.5815% | 5,360 |
| Total risk-based capital ratio | 12.8619% | 5,265 |
| Memoranda: | ||
| Average total assets | $2,146,758,250 | 340 |
| Average earning assets | $2,006,920,500 | 334 |
| Average equity | $212,666,250 | 351 |
| Average total loans | $1,654,510,750 | 326 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4052% | 5,125 |
| Cost of funding earning assets | 2.2327% | 2,653 |
| Net interest margin | 3.1725% | 6,009 |
| Noninterest income to average assets | 0.6779% | 3,130 |
| Noninterest expense to average assets | 1.9435% | 7,564 |
| Loan and lease loss provision to assets | 4.1591% | 291 |
| Net operating income to assets | -1.3104% | 7,171 |
| Return on assets (ROA) | -1.3134% | 7,177 |
| Pretax return on assets | -2.4618% | 7,409 |
| Return on Equity (ROE) | -13.0192% | 7,227 |
| Retained earnings to average equity (ytd only) | -13.0192% | 7,112 |
| Net charge-offs to loans | 2.0608% | 897 |
| Credit loss provision to net charge-offs | 256.5578% | 1,817 |
| Earnings coverage of net charge-offs (x) | 1.0498% | 4,738 |
| Efficiency ratio | 52.3508% | 7,482 |
| Assets per employee ($millions) | 7.5924% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9610% | 268 |
| Loan loss allowance to noncurrent loans | 167.5025% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 1.9287% | 3,304 |
| Noncurrent loans to loans | 2.3647% | 3,063 |
| Net loans and leases to total assets | 70.1034% | 3,682 |
| Net loans and leases to deposits | 84.7172% | 3,763 |
| Net loans and leases to core deposits | 124.1280% | 2,012 |
| Total domestic deposits to total assets | 82.7499% | 4,359 |
| Equity capital to assets | 9.1868% | 5,035 |
| Core capital (leverage) ratio | 8.8799% | 4,819 |
| Tier 1 risk-based capital ratio | 10.9335% | 5,953 |
| Total risk-based capital ratio | 12.2133% | 5,852 |
| Memoranda: | ||
| Average total assets | $2,129,634,330 | 352 |
| Average earning assets | $1,992,028,330 | 344 |
| Average equity | $214,837,330 | 353 |
| Average total loans | $1,675,232,330 | 328 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5213% | 4,804 |
| Cost of funding earning assets | 2.1857% | 3,234 |
| Net interest margin | 3.3356% | 5,381 |
| Noninterest income to average assets | 0.7271% | 2,719 |
| Noninterest expense to average assets | 1.8464% | 7,638 |
| Loan and lease loss provision to assets | 2.7965% | 399 |
| Net operating income to assets | -0.3728% | 6,756 |
| Return on assets (ROA) | -0.3789% | 6,840 |
| Pretax return on assets | -0.8110% | 7,043 |
| Return on Equity (ROE) | -3.5815% | 6,845 |
| Retained earnings to average equity (ytd only) | -3.5815% | 6,369 |
| Net charge-offs to loans | 0.6734% | 1,833 |
| Credit loss provision to net charge-offs | 507.9438% | 1,063 |
| Earnings coverage of net charge-offs (x) | 3.6236% | 3,116 |
| Efficiency ratio | 47.1184% | 7,781 |
| Assets per employee ($millions) | 6.9490% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9947% | 482 |
| Loan loss allowance to noncurrent loans | 88.4329% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 2.7001% | 2,108 |
| Noncurrent loans to loans | 3.3864% | 1,894 |
| Net loans and leases to total assets | 77.3448% | 1,961 |
| Net loans and leases to deposits | 96.1965% | 1,913 |
| Net loans and leases to core deposits | 139.2023% | 1,141 |
| Total domestic deposits to total assets | 80.4029% | 5,206 |
| Equity capital to assets | 10.4493% | 3,510 |
| Core capital (leverage) ratio | 10.4129% | 3,019 |
| Tier 1 risk-based capital ratio | 11.8090% | 5,117 |
| Total risk-based capital ratio | 13.0780% | 5,007 |
| Memoranda: | ||
| Average total assets | $2,066,981,000 | 362 |
| Average earning assets | $1,929,820,000 | 350 |
| Average equity | $218,677,000 | 344 |
| Average total loans | $1,689,855,000 | 324 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7299% | 1,927 |
| Cost of funding earning assets | 2.8397% | 2,529 |
| Net interest margin | 3.8902% | 3,613 |
| Noninterest income to average assets | 0.7190% | 2,997 |
| Noninterest expense to average assets | 2.5014% | 6,000 |
| Loan and lease loss provision to assets | 1.2549% | 1,140 |
| Net operating income to assets | 0.6774% | 3,995 |
| Return on assets (ROA) | 0.2034% | 5,658 |
| Pretax return on assets | 0.1244% | 5,895 |
| Return on Equity (ROE) | 2.2812% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.2812% | 3,788 |
| Net charge-offs to loans | 0.4729% | 2,467 |
| Credit loss provision to net charge-offs | 308.5937% | 1,464 |
| Earnings coverage of net charge-offs (x) | 4.5576% | 3,936 |
| Efficiency ratio | 56.9516% | 6,883 |
| Assets per employee ($millions) | 6.4850% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 925 |
| Loan loss allowance to noncurrent loans | 186.6236% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9981% | 4,340 |
| Noncurrent loans to loans | 1.1909% | 4,125 |
| Net loans and leases to total assets | 81.9492% | 1,240 |
| Net loans and leases to deposits | 103.8029% | 1,361 |
| Net loans and leases to core deposits | 174.1958% | 345 |
| Total domestic deposits to total assets | 78.9469% | 5,395 |
| Equity capital to assets | 10.7120% | 3,287 |
| Core capital (leverage) ratio | 10.6427% | 2,870 |
| Tier 1 risk-based capital ratio | 11.8678% | 4,925 |
| Total risk-based capital ratio | 13.1284% | 4,819 |
| Memoranda: | ||
| Average total assets | $2,085,993,400 | 347 |
| Average earning assets | $1,949,607,800 | 336 |
| Average equity | $185,951,800 | 394 |
| Average total loans | $1,793,820,800 | 305 |