Home > Boston Private Bank & Trust Company > Performance and Condition Ratios
Boston Private Bank & Trust Company, Performance and Condition Ratios
| 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 | 2.7185% | 4,438 |
| Cost of funding earning assets | 0.2201% | 3,557 |
| Net interest margin | 2.4984% | 4,308 |
| Noninterest income to average assets | 0.8898% | 1,297 |
| Noninterest expense to average assets | 2.5016% | 2,138 |
| Loan and lease loss provision to assets | -0.2037% | 4,759 |
| Net operating income to assets | 0.7602% | 3,614 |
| Return on assets (ROA) | 0.7602% | 3,680 |
| Pretax return on assets | 0.9383% | 3,573 |
| Return on Equity (ROE) | 8.8269% | 3,159 |
| Retained earnings to average equity (ytd only) | 3.9817% | 3,524 |
| Net charge-offs to loans | 0.1666% | 500 |
| Credit loss provision to net charge-offs | -111.5862% | 3,079 |
| Earnings coverage of net charge-offs (x) | 6.3167% | 1,963 |
| Efficiency ratio | 76.4115% | 1,044 |
| Assets per employee ($millions) | 12.8194% | 292 |
| Cash dividends to net income (ytd only)* | 54.8915% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,961 |
| Loan loss allowance to noncurrent loans | 204.7534% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 2,287 |
| Noncurrent loans to loans | 0.4696% | 2,271 |
| Net loans and leases to total assets | 69.0092% | 1,325 |
| Net loans and leases to deposits | 78.0740% | 1,619 |
| Net loans and leases to core deposits | 83.1905% | 1,628 |
| Total domestic deposits to total assets | 88.3895% | 1,624 |
| Equity capital to assets | 8.6836% | 4,065 |
| Core capital (leverage) ratio | 7.9047% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8067% | 2,774 |
| Memoranda: | ||
| Average total assets | $10,256,607,000 | 156 |
| Average earning assets | $9,632,780,000 | 153 |
| Average equity | $883,346,000 | 182 |
| Average total loans | $7,161,178,000 | 154 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6985% | 4,480 |
| Cost of funding earning assets | 0.2051% | 3,865 |
| Net interest margin | 2.4934% | 4,309 |
| Noninterest income to average assets | 0.8991% | 1,330 |
| Noninterest expense to average assets | 2.4911% | 2,200 |
| Loan and lease loss provision to assets | -0.3515% | 4,883 |
| Net operating income to assets | 0.8987% | 3,124 |
| Return on assets (ROA) | 0.8987% | 3,205 |
| Pretax return on assets | 1.1021% | 3,106 |
| Return on Equity (ROE) | 10.4778% | 2,542 |
| Retained earnings to average equity (ytd only) | 3.9346% | 3,521 |
| Net charge-offs to loans | 0.0125% | 1,501 |
| Credit loss provision to net charge-offs | -3,126.7857% | 3,642 |
| Earnings coverage of net charge-offs (x) | 85.9777% | 672 |
| Efficiency ratio | 76.0439% | 1,130 |
| Assets per employee ($millions) | 13.2040% | 270 |
| Cash dividends to net income (ytd only)* | 62.4485% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,751 |
| Loan loss allowance to noncurrent loans | 287.2613% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 2,908 |
| Noncurrent loans to loans | 0.3566% | 2,802 |
| Net loans and leases to total assets | 68.0353% | 1,527 |
| Net loans and leases to deposits | 77.5065% | 1,760 |
| Net loans and leases to core deposits | 82.9308% | 1,759 |
| Total domestic deposits to total assets | 87.7801% | 1,962 |
| Equity capital to assets | 8.3376% | 4,247 |
| Core capital (leverage) ratio | 7.8847% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8645% | 2,716 |
| Memoranda: | ||
| Average total assets | $10,263,545,500 | 154 |
| Average earning assets | $9,642,520,500 | 152 |
| Average equity | $880,299,000 | 182 |
| Average total loans | $7,173,244,500 | 155 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2017% | 4,451 |
| Cost of funding earning assets | 0.4393% | 3,349 |
| Net interest margin | 2.7624% | 4,307 |
| Noninterest income to average assets | 0.9351% | 1,185 |
| Noninterest expense to average assets | 2.4964% | 2,858 |
| Loan and lease loss provision to assets | 0.3474% | 1,002 |
| Net operating income to assets | 0.5515% | 3,904 |
| Return on assets (ROA) | 0.5515% | 3,998 |
| Pretax return on assets | 0.6608% | 3,963 |
| Return on Equity (ROE) | 5.8318% | 3,629 |
| Retained earnings to average equity (ytd only) | -0.7125% | 4,612 |
| Net charge-offs to loans | 0.0330% | 2,383 |
| Credit loss provision to net charge-offs | 1,357.5732% | 616 |
| Earnings coverage of net charge-offs (x) | 39.3984% | 1,403 |
| Efficiency ratio | 70.3958% | 1,896 |
| Assets per employee ($millions) | 12.5523% | 290 |
| Cash dividends to net income (ytd only)* | 112.2180% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,248 |
| Loan loss allowance to noncurrent loans | 340.6063% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 3,100 |
| Noncurrent loans to loans | 0.3349% | 3,007 |
| Net loans and leases to total assets | 70.2873% | 1,523 |
| Net loans and leases to deposits | 81.2386% | 1,737 |
| Net loans and leases to core deposits | 87.5606% | 1,739 |
| Total domestic deposits to total assets | 86.5196% | 2,136 |
| Equity capital to assets | 8.8280% | 4,197 |
| Core capital (leverage) ratio | 8.0784% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0370% | 2,616 |
| Memoranda: | ||
| Average total assets | $9,210,380,200 | 158 |
| Average earning assets | $8,567,314,600 | 156 |
| Average equity | $870,976,400 | 179 |
| Average total loans | $7,147,442,400 | 149 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3099% | 4,460 |
| Cost of funding earning assets | 0.4967% | 3,241 |
| Net interest margin | 2.8132% | 4,322 |
| Noninterest income to average assets | 0.9014% | 1,218 |
| Noninterest expense to average assets | 2.5792% | 2,605 |
| Loan and lease loss provision to assets | 0.5180% | 556 |
| Net operating income to assets | 0.3644% | 4,338 |
| Return on assets (ROA) | 0.3644% | 4,394 |
| Pretax return on assets | 0.4168% | 4,411 |
| Return on Equity (ROE) | 3.7832% | 4,211 |
| Retained earnings to average equity (ytd only) | -1.9026% | 4,699 |
| Net charge-offs to loans | 0.0381% | 2,084 |
| Credit loss provision to net charge-offs | 1,713.0201% | 553 |
| Earnings coverage of net charge-offs (x) | 30.9134% | 1,555 |
| Efficiency ratio | 72.5022% | 1,582 |
| Assets per employee ($millions) | 11.7787% | 337 |
| Cash dividends to net income (ytd only)* | 150.2904% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,848 |
| Loan loss allowance to noncurrent loans | 204.9075% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 2,427 |
| Noncurrent loans to loans | 0.5701% | 2,371 |
| Net loans and leases to total assets | 76.1013% | 1,081 |
| Net loans and leases to deposits | 90.7377% | 1,193 |
| Net loans and leases to core deposits | 98.8838% | 1,255 |
| Total domestic deposits to total assets | 83.8695% | 2,862 |
| Equity capital to assets | 9.3318% | 3,833 |
| Core capital (leverage) ratio | 8.5017% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0371% | 2,598 |
| Memoranda: | ||
| Average total assets | $9,008,791,500 | 161 |
| Average earning assets | $8,366,101,250 | 155 |
| Average equity | $867,650,000 | 178 |
| Average total loans | $7,153,870,500 | 148 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4497% | 4,483 |
| Cost of funding earning assets | 0.5834% | 3,055 |
| Net interest margin | 2.8662% | 4,360 |
| Noninterest income to average assets | 0.9064% | 1,154 |
| Noninterest expense to average assets | 2.6041% | 2,646 |
| Loan and lease loss provision to assets | 0.8913% | 253 |
| Net operating income to assets | 0.0763% | 4,711 |
| Return on assets (ROA) | 0.0763% | 4,736 |
| Pretax return on assets | 0.0715% | 4,745 |
| Return on Equity (ROE) | 0.7836% | 4,710 |
| Retained earnings to average equity (ytd only) | -4.3061% | 4,746 |
| Net charge-offs to loans | 0.0516% | 1,748 |
| Credit loss provision to net charge-offs | 2,151.4954% | 455 |
| Earnings coverage of net charge-offs (x) | 23.2403% | 1,604 |
| Efficiency ratio | 72.1135% | 1,665 |
| Assets per employee ($millions) | 11.7297% | 332 |
| Cash dividends to net income (ytd only)* | 649.5424% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 2,429 |
| Loan loss allowance to noncurrent loans | 348.1874% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 3,199 |
| Noncurrent loans to loans | 0.3494% | 3,145 |
| Net loans and leases to total assets | 79.4833% | 656 |
| Net loans and leases to deposits | 97.0205% | 724 |
| Net loans and leases to core deposits | 107.7724% | 828 |
| Total domestic deposits to total assets | 81.9242% | 3,393 |
| Equity capital to assets | 9.5226% | 3,640 |
| Core capital (leverage) ratio | 8.6266% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0317% | 2,593 |
| Memoranda: | ||
| Average total assets | $8,878,577,000 | 161 |
| Average earning assets | $8,241,091,333 | 156 |
| Average equity | $864,488,667 | 178 |
| Average total loans | $7,125,946,333 | 149 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 4,518 |
| Cost of funding earning assets | 0.7342% | 2,759 |
| Net interest margin | 2.8693% | 4,478 |
| Noninterest income to average assets | 0.8883% | 1,093 |
| Noninterest expense to average assets | 2.6516% | 2,834 |
| Loan and lease loss provision to assets | 0.7750% | 321 |
| Net operating income to assets | 0.1194% | 4,634 |
| Return on assets (ROA) | 0.1194% | 4,640 |
| Pretax return on assets | 0.1259% | 4,639 |
| Return on Equity (ROE) | 1.2122% | 4,596 |
| Retained earnings to average equity (ytd only) | -4.3547% | 4,469 |
| Net charge-offs to loans | 0.0198% | 1,968 |
| Credit loss provision to net charge-offs | 4,874.1379% | 172 |
| Earnings coverage of net charge-offs (x) | 56.6609% | 830 |
| Efficiency ratio | 73.7213% | 1,854 |
| Assets per employee ($millions) | 11.2146% | 289 |
| Cash dividends to net income (ytd only)* | 459.2423% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 3,858 |
| Loan loss allowance to noncurrent loans | 280.5421% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 3,331 |
| Noncurrent loans to loans | 0.3448% | 3,254 |
| Net loans and leases to total assets | 80.1352% | 685 |
| Net loans and leases to deposits | 101.5215% | 462 |
| Net loans and leases to core deposits | 116.2860% | 581 |
| Total domestic deposits to total assets | 78.9342% | 4,064 |
| Equity capital to assets | 10.0098% | 3,775 |
| Core capital (leverage) ratio | 9.0677% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9766% | 2,710 |
| Memoranda: | ||
| Average total assets | $8,755,008,000 | 161 |
| Average earning assets | $8,129,099,500 | 155 |
| Average equity | $862,231,000 | 180 |
| Average total loans | $7,017,549,500 | 149 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 4,509 |
| Cost of funding earning assets | 0.9499% | 1,958 |
| Net interest margin | 2.8976% | 4,661 |
| Noninterest income to average assets | 0.7820% | 1,504 |
| Noninterest expense to average assets | 2.3591% | 3,809 |
| Loan and lease loss provision to assets | -0.0415% | 5,002 |
| Net operating income to assets | 0.9150% | 3,150 |
| Return on assets (ROA) | 0.9150% | 3,227 |
| Pretax return on assets | 1.1702% | 2,945 |
| Return on Equity (ROE) | 9.6099% | 2,471 |
| Retained earnings to average equity (ytd only) | 3.8302% | 3,058 |
| Net charge-offs to loans | -0.0033% | 4,284 |
| Credit loss provision to net charge-offs | 1,523.0769% | 235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7393% | 2,655 |
| Assets per employee ($millions) | 11.4833% | 258 |
| Cash dividends to net income (ytd only)* | 60.1429% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,318 |
| Loan loss allowance to noncurrent loans | 447.0099% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 3,736 |
| Noncurrent loans to loans | 0.2306% | 3,620 |
| Net loans and leases to total assets | 78.5802% | 993 |
| Net loans and leases to deposits | 94.7437% | 1,080 |
| Net loans and leases to core deposits | 105.4756% | 1,145 |
| Total domestic deposits to total assets | 82.9398% | 3,218 |
| Equity capital to assets | 9.6886% | 4,189 |
| Core capital (leverage) ratio | 9.0288% | 4,512 |
| Tier 1 risk-based capital ratio | 11.9701% | 4,379 |
| Total risk-based capital ratio | 13.0939% | 4,324 |
| Memoranda: | ||
| Average total assets | $8,595,228,400 | 155 |
| Average earning assets | $8,026,409,600 | 153 |
| Average equity | $818,385,800 | 182 |
| Average total loans | $6,993,003,400 | 144 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 4,546 |
| Cost of funding earning assets | 0.9690% | 1,893 |
| Net interest margin | 2.9270% | 4,731 |
| Noninterest income to average assets | 0.6908% | 1,822 |
| Noninterest expense to average assets | 2.3037% | 3,939 |
| Loan and lease loss provision to assets | 0.0016% | 3,822 |
| Net operating income to assets | 0.8858% | 3,399 |
| Return on assets (ROA) | 0.8858% | 3,473 |
| Pretax return on assets | 1.1206% | 3,238 |
| Return on Equity (ROE) | 9.3460% | 2,740 |
| Retained earnings to average equity (ytd only) | 4.8189% | 2,980 |
| Net charge-offs to loans | 0.0011% | 3,418 |
| Credit loss provision to net charge-offs | 182.4561% | 1,415 |
| Earnings coverage of net charge-offs (x) | 1,261.7579% | 64 |
| Efficiency ratio | 66.3255% | 2,684 |
| Assets per employee ($millions) | 11.2834% | 254 |
| Cash dividends to net income (ytd only)* | 48.4385% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 3,201 |
| Loan loss allowance to noncurrent loans | 429.0293% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 3,759 |
| Noncurrent loans to loans | 0.2483% | 3,655 |
| Net loans and leases to total assets | 80.8660% | 723 |
| Net loans and leases to deposits | 104.4497% | 389 |
| Net loans and leases to core deposits | 116.7691% | 630 |
| Total domestic deposits to total assets | 77.4210% | 4,453 |
| Equity capital to assets | 9.8377% | 4,174 |
| Core capital (leverage) ratio | 9.1015% | 4,552 |
| Tier 1 risk-based capital ratio | 11.9139% | 4,455 |
| Total risk-based capital ratio | 13.0897% | 4,380 |
| Memoranda: | ||
| Average total assets | $8,544,975,250 | 157 |
| Average earning assets | $7,984,945,250 | 153 |
| Average equity | $809,924,250 | 183 |
| Average total loans | $6,995,231,750 | 146 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 4,548 |
| Cost of funding earning assets | 0.9429% | 1,949 |
| Net interest margin | 2.9607% | 4,744 |
| Noninterest income to average assets | 0.6480% | 1,927 |
| Noninterest expense to average assets | 2.3222% | 3,950 |
| Loan and lease loss provision to assets | -0.0015% | 5,086 |
| Net operating income to assets | 0.8680% | 3,407 |
| Return on assets (ROA) | 0.8680% | 3,468 |
| Pretax return on assets | 1.1014% | 3,228 |
| Return on Equity (ROE) | 9.2769% | 2,743 |
| Retained earnings to average equity (ytd only) | 4.8805% | 2,827 |
| Net charge-offs to loans | 0.0052% | 2,972 |
| Credit loss provision to net charge-offs | -34.6154% | 3,798 |
| Earnings coverage of net charge-offs (x) | 257.0989% | 315 |
| Efficiency ratio | 66.9359% | 2,693 |
| Assets per employee ($millions) | 12.1603% | 198 |
| Cash dividends to net income (ytd only)* | 47.3908% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,285 |
| Loan loss allowance to noncurrent loans | 415.0329% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 3,738 |
| Noncurrent loans to loans | 0.2553% | 3,614 |
| Net loans and leases to total assets | 81.2934% | 699 |
| Net loans and leases to deposits | 108.0679% | 269 |
| Net loans and leases to core deposits | 122.1103% | 485 |
| Total domestic deposits to total assets | 75.2243% | 4,749 |
| Equity capital to assets | 9.4798% | 4,419 |
| Core capital (leverage) ratio | 8.9882% | 4,635 |
| Tier 1 risk-based capital ratio | 11.9188% | 4,469 |
| Total risk-based capital ratio | 13.1012% | 4,381 |
| Memoranda: | ||
| Average total assets | $8,508,506,670 | 156 |
| Average earning assets | $7,972,026,670 | 154 |
| Average equity | $796,102,670 | 186 |
| Average total loans | $6,969,039,330 | 147 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 4,598 |
| Cost of funding earning assets | 0.8763% | 2,117 |
| Net interest margin | 2.9976% | 4,755 |
| Noninterest income to average assets | 0.6665% | 1,743 |
| Noninterest expense to average assets | 2.4395% | 3,655 |
| Loan and lease loss provision to assets | -0.0675% | 5,272 |
| Net operating income to assets | 0.8893% | 3,275 |
| Return on assets (ROA) | 0.8893% | 3,328 |
| Pretax return on assets | 1.1085% | 3,122 |
| Return on Equity (ROE) | 9.5685% | 2,562 |
| Retained earnings to average equity (ytd only) | 5.9020% | 2,497 |
| Net charge-offs to loans | 0.0042% | 2,567 |
| Credit loss provision to net charge-offs | -1,980.5556% | 4,062 |
| Earnings coverage of net charge-offs (x) | 305.5139% | 268 |
| Efficiency ratio | 69.1763% | 2,478 |
| Assets per employee ($millions) | 12.1867% | 200 |
| Cash dividends to net income (ytd only)* | 38.3183% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,329 |
| Loan loss allowance to noncurrent loans | 614.1443% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 4,096 |
| Noncurrent loans to loans | 0.1735% | 3,972 |
| Net loans and leases to total assets | 80.8000% | 737 |
| Net loans and leases to deposits | 100.3162% | 611 |
| Net loans and leases to core deposits | 114.4692% | 715 |
| Total domestic deposits to total assets | 80.5454% | 4,063 |
| Equity capital to assets | 9.4049% | 4,339 |
| Core capital (leverage) ratio | 9.0494% | 4,620 |
| Tier 1 risk-based capital ratio | 12.1157% | 4,401 |
| Total risk-based capital ratio | 13.3135% | 4,318 |
| Memoranda: | ||
| Average total assets | $8,451,933,000 | 158 |
| Average earning assets | $7,934,449,500 | 155 |
| Average equity | $785,494,500 | 189 |
| Average total loans | $6,911,609,000 | 148 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 4,641 |
| Cost of funding earning assets | 0.6922% | 2,141 |
| Net interest margin | 3.0276% | 4,769 |
| Noninterest income to average assets | 0.6745% | 1,947 |
| Noninterest expense to average assets | 2.4943% | 3,632 |
| Loan and lease loss provision to assets | -0.0264% | 5,147 |
| Net operating income to assets | 0.8565% | 3,587 |
| Return on assets (ROA) | 0.8507% | 3,601 |
| Pretax return on assets | 1.0597% | 3,412 |
| Return on Equity (ROE) | 9.5027% | 2,744 |
| Retained earnings to average equity (ytd only) | 5.8184% | 2,286 |
| Net charge-offs to loans | -0.0413% | 4,912 |
| Credit loss provision to net charge-offs | 79.4075% | 2,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6230% | 2,261 |
| Assets per employee ($millions) | 11.9459% | 197 |
| Cash dividends to net income (ytd only)* | 38.7706% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 3,158 |
| Loan loss allowance to noncurrent loans | 535.7615% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 3,952 |
| Noncurrent loans to loans | 0.2038% | 3,850 |
| Net loans and leases to total assets | 80.9872% | 803 |
| Net loans and leases to deposits | 99.7858% | 761 |
| Net loans and leases to core deposits | 114.4465% | 761 |
| Total domestic deposits to total assets | 81.1611% | 3,854 |
| Equity capital to assets | 9.1817% | 4,422 |
| Core capital (leverage) ratio | 8.9220% | 4,726 |
| Tier 1 risk-based capital ratio | 12.1321% | 4,335 |
| Total risk-based capital ratio | 13.3783% | 4,228 |
| Memoranda: | ||
| Average total assets | $8,337,455,400 | 159 |
| Average earning assets | $7,876,790,200 | 153 |
| Average equity | $746,422,200 | 187 |
| Average total loans | $6,701,489,800 | 149 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 4,703 |
| Cost of funding earning assets | 0.6560% | 2,117 |
| Net interest margin | 3.0123% | 4,830 |
| Noninterest income to average assets | 0.6926% | 1,897 |
| Noninterest expense to average assets | 2.5073% | 3,570 |
| Loan and lease loss provision to assets | -0.0367% | 5,270 |
| Net operating income to assets | 0.8466% | 3,755 |
| Return on assets (ROA) | 0.8466% | 3,760 |
| Pretax return on assets | 1.0678% | 3,510 |
| Return on Equity (ROE) | 9.5186% | 2,836 |
| Retained earnings to average equity (ytd only) | 5.7335% | 2,800 |
| Net charge-offs to loans | -0.0210% | 4,647 |
| Credit loss provision to net charge-offs | 218.3985% | 1,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9080% | 2,203 |
| Assets per employee ($millions) | 10.6643% | 271 |
| Cash dividends to net income (ytd only)* | 39.7659% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,233 |
| Loan loss allowance to noncurrent loans | 607.5887% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 4,210 |
| Noncurrent loans to loans | 0.1799% | 4,084 |
| Net loans and leases to total assets | 80.2577% | 980 |
| Net loans and leases to deposits | 97.4551% | 1,000 |
| Net loans and leases to core deposits | 112.0649% | 909 |
| Total domestic deposits to total assets | 82.3535% | 3,506 |
| Equity capital to assets | 9.0505% | 4,505 |
| Core capital (leverage) ratio | 8.7085% | 4,952 |
| Tier 1 risk-based capital ratio | 12.1080% | 4,442 |
| Total risk-based capital ratio | 13.3477% | 4,337 |
| Memoranda: | ||
| Average total assets | $8,316,345,750 | 157 |
| Average earning assets | $7,856,456,250 | 154 |
| Average equity | $739,710,000 | 186 |
| Average total loans | $6,652,869,750 | 148 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5559% | 4,840 |
| Cost of funding earning assets | 0.5893% | 2,297 |
| Net interest margin | 2.9666% | 4,921 |
| Noninterest income to average assets | 0.6816% | 1,950 |
| Noninterest expense to average assets | 2.4208% | 3,846 |
| Loan and lease loss provision to assets | -0.0322% | 5,348 |
| Net operating income to assets | 0.8799% | 3,545 |
| Return on assets (ROA) | 0.8799% | 3,549 |
| Pretax return on assets | 1.0986% | 3,322 |
| Return on Equity (ROE) | 9.9508% | 2,581 |
| Retained earnings to average equity (ytd only) | 6.1209% | 2,489 |
| Net charge-offs to loans | -0.0019% | 3,942 |
| Credit loss provision to net charge-offs | 2,096.8750% | 204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4544% | 2,569 |
| Assets per employee ($millions) | 10.9957% | 240 |
| Cash dividends to net income (ytd only)* | 38.4888% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,359 |
| Loan loss allowance to noncurrent loans | 469.3885% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 4,066 |
| Noncurrent loans to loans | 0.2311% | 3,884 |
| Net loans and leases to total assets | 77.6016% | 1,379 |
| Net loans and leases to deposits | 100.2790% | 788 |
| Net loans and leases to core deposits | 119.1407% | 581 |
| Total domestic deposits to total assets | 77.3857% | 4,681 |
| Equity capital to assets | 8.6097% | 4,867 |
| Core capital (leverage) ratio | 8.6858% | 4,968 |
| Tier 1 risk-based capital ratio | 11.8048% | 4,622 |
| Total risk-based capital ratio | 13.0333% | 4,511 |
| Memoranda: | ||
| Average total assets | $8,326,415,670 | 156 |
| Average earning assets | $7,874,561,670 | 151 |
| Average equity | $736,302,330 | 186 |
| Average total loans | $6,629,238,330 | 145 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5353% | 4,817 |
| Cost of funding earning assets | 0.5260% | 2,582 |
| Net interest margin | 3.0093% | 4,863 |
| Noninterest income to average assets | 0.7184% | 1,751 |
| Noninterest expense to average assets | 2.4623% | 3,770 |
| Loan and lease loss provision to assets | -0.0878% | 5,500 |
| Net operating income to assets | 0.9429% | 3,099 |
| Return on assets (ROA) | 0.9429% | 3,114 |
| Pretax return on assets | 1.1919% | 2,786 |
| Return on Equity (ROE) | 10.5158% | 2,166 |
| Retained earnings to average equity (ytd only) | 7.0227% | 2,271 |
| Net charge-offs to loans | 0.0030% | 2,629 |
| Credit loss provision to net charge-offs | -3,663.2653% | 4,397 |
| Earnings coverage of net charge-offs (x) | 460.4286% | 140 |
| Efficiency ratio | 68.0805% | 2,819 |
| Assets per employee ($millions) | 10.6234% | 265 |
| Cash dividends to net income (ytd only)* | 33.2174% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 3,359 |
| Loan loss allowance to noncurrent loans | 445.0427% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 4,079 |
| Noncurrent loans to loans | 0.2479% | 3,876 |
| Net loans and leases to total assets | 79.8699% | 956 |
| Net loans and leases to deposits | 97.9688% | 860 |
| Net loans and leases to core deposits | 118.0825% | 647 |
| Total domestic deposits to total assets | 81.5258% | 4,082 |
| Equity capital to assets | 8.9712% | 4,586 |
| Core capital (leverage) ratio | 8.6752% | 5,005 |
| Tier 1 risk-based capital ratio | 11.8680% | 4,632 |
| Total risk-based capital ratio | 13.1162% | 4,519 |
| Memoranda: | ||
| Average total assets | $8,173,809,500 | 159 |
| Average earning assets | $7,735,676,500 | 153 |
| Average equity | $732,875,500 | 186 |
| Average total loans | $6,557,985,000 | 144 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4128% | 4,922 |
| Cost of funding earning assets | 0.4118% | 3,140 |
| Net interest margin | 3.0010% | 4,883 |
| Noninterest income to average assets | 0.6940% | 1,991 |
| Noninterest expense to average assets | 2.4732% | 3,868 |
| Loan and lease loss provision to assets | -0.0957% | 5,472 |
| Net operating income to assets | 0.6270% | 3,901 |
| Return on assets (ROA) | 0.6297% | 3,928 |
| Pretax return on assets | 1.1642% | 2,929 |
| Return on Equity (ROE) | 7.0158% | 3,270 |
| Retained earnings to average equity (ytd only) | 3.5132% | 3,173 |
| Net charge-offs to loans | -0.0686% | 5,268 |
| Credit loss provision to net charge-offs | 176.9497% | 1,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8982% | 2,719 |
| Assets per employee ($millions) | 10.6627% | 259 |
| Cash dividends to net income (ytd only)* | 49.9247% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 3,070 |
| Loan loss allowance to noncurrent loans | 522.8541% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 4,255 |
| Noncurrent loans to loans | 0.2196% | 4,028 |
| Net loans and leases to total assets | 78.7864% | 1,163 |
| Net loans and leases to deposits | 97.6604% | 926 |
| Net loans and leases to core deposits | 117.5758% | 667 |
| Total domestic deposits to total assets | 80.6738% | 4,198 |
| Equity capital to assets | 8.9611% | 4,760 |
| Core capital (leverage) ratio | 8.6258% | 5,020 |
| Tier 1 risk-based capital ratio | 11.8317% | 4,638 |
| Total risk-based capital ratio | 13.0823% | 4,523 |
| Memoranda: | ||
| Average total assets | $8,016,097,200 | 153 |
| Average earning assets | $7,595,480,600 | 148 |
| Average equity | $719,459,600 | 181 |
| Average total loans | $6,315,213,200 | 138 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3915% | 4,974 |
| Cost of funding earning assets | 0.3951% | 3,249 |
| Net interest margin | 2.9964% | 4,929 |
| Noninterest income to average assets | 0.6855% | 2,060 |
| Noninterest expense to average assets | 2.4728% | 3,817 |
| Loan and lease loss provision to assets | -0.1124% | 5,599 |
| Net operating income to assets | 0.8234% | 3,423 |
| Return on assets (ROA) | 0.8287% | 3,429 |
| Pretax return on assets | 1.1727% | 3,013 |
| Return on Equity (ROE) | 9.2299% | 2,481 |
| Retained earnings to average equity (ytd only) | 5.7680% | 2,392 |
| Net charge-offs to loans | -0.0750% | 5,296 |
| Credit loss provision to net charge-offs | 190.9452% | 1,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1058% | 2,691 |
| Assets per employee ($millions) | 10.6805% | 256 |
| Cash dividends to net income (ytd only)* | 37.5076% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,108 |
| Loan loss allowance to noncurrent loans | 549.6073% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 4,431 |
| Noncurrent loans to loans | 0.2124% | 4,218 |
| Net loans and leases to total assets | 78.2121% | 1,238 |
| Net loans and leases to deposits | 100.0068% | 744 |
| Net loans and leases to core deposits | 117.0725% | 703 |
| Total domestic deposits to total assets | 78.2068% | 4,694 |
| Equity capital to assets | 9.1065% | 4,816 |
| Core capital (leverage) ratio | 8.7054% | 5,058 |
| Tier 1 risk-based capital ratio | 11.9846% | 4,636 |
| Total risk-based capital ratio | 13.2354% | 4,512 |
| Memoranda: | ||
| Average total assets | $7,978,213,500 | 154 |
| Average earning assets | $7,562,059,500 | 151 |
| Average equity | $716,347,750 | 181 |
| Average total loans | $6,266,585,250 | 139 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3591% | 5,017 |
| Cost of funding earning assets | 0.3780% | 3,309 |
| Net interest margin | 2.9810% | 4,952 |
| Noninterest income to average assets | 0.6600% | 2,167 |
| Noninterest expense to average assets | 2.4633% | 3,881 |
| Loan and lease loss provision to assets | -0.1587% | 5,692 |
| Net operating income to assets | 0.8314% | 3,242 |
| Return on assets (ROA) | 0.8354% | 3,273 |
| Pretax return on assets | 1.1901% | 2,804 |
| Return on Equity (ROE) | 9.3493% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.3594% | 1,931 |
| Net charge-offs to loans | -0.1038% | 5,421 |
| Credit loss provision to net charge-offs | 195.0728% | 1,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5511% | 2,756 |
| Assets per employee ($millions) | 10.2671% | 278 |
| Cash dividends to net income (ytd only)* | 31.9797% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 3,057 |
| Loan loss allowance to noncurrent loans | 463.7055% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 4,352 |
| Noncurrent loans to loans | 0.2575% | 4,117 |
| Net loans and leases to total assets | 78.1178% | 1,229 |
| Net loans and leases to deposits | 96.2069% | 1,056 |
| Net loans and leases to core deposits | 112.9129% | 856 |
| Total domestic deposits to total assets | 81.1977% | 4,130 |
| Equity capital to assets | 9.1454% | 4,762 |
| Core capital (leverage) ratio | 8.5833% | 5,158 |
| Tier 1 risk-based capital ratio | 11.9275% | 4,681 |
| Total risk-based capital ratio | 13.1785% | 4,578 |
| Memoranda: | ||
| Average total assets | $7,935,442,000 | 155 |
| Average earning assets | $7,530,934,670 | 151 |
| Average equity | $709,056,330 | 182 |
| Average total loans | $6,217,061,000 | 138 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2412% | 5,189 |
| Cost of funding earning assets | 0.3579% | 3,447 |
| Net interest margin | 2.8832% | 5,118 |
| Noninterest income to average assets | 0.6413% | 2,219 |
| Noninterest expense to average assets | 2.4682% | 3,910 |
| Loan and lease loss provision to assets | -0.0091% | 5,653 |
| Net operating income to assets | 0.6634% | 3,864 |
| Return on assets (ROA) | 0.6634% | 3,905 |
| Pretax return on assets | 0.9209% | 3,690 |
| Return on Equity (ROE) | 7.5132% | 3,162 |
| Retained earnings to average equity (ytd only) | 4.4855% | 3,176 |
| Net charge-offs to loans | -0.0087% | 4,366 |
| Credit loss provision to net charge-offs | 134.0741% | 1,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9398% | 2,589 |
| Assets per employee ($millions) | 11.0934% | 218 |
| Cash dividends to net income (ytd only)* | 40.2981% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,836 |
| Loan loss allowance to noncurrent loans | 372.5519% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 4,171 |
| Noncurrent loans to loans | 0.3351% | 3,902 |
| Net loans and leases to total assets | 76.6410% | 1,316 |
| Net loans and leases to deposits | 97.6654% | 794 |
| Net loans and leases to core deposits | 114.5832% | 648 |
| Total domestic deposits to total assets | 78.4731% | 4,913 |
| Equity capital to assets | 8.7647% | 5,030 |
| Core capital (leverage) ratio | 8.5093% | 5,222 |
| Tier 1 risk-based capital ratio | 11.5526% | 4,994 |
| Total risk-based capital ratio | 12.8041% | 4,898 |
| Memoranda: | ||
| Average total assets | $7,929,813,000 | 155 |
| Average earning assets | $7,532,122,500 | 151 |
| Average equity | $700,207,000 | 182 |
| Average total loans | $6,184,192,500 | 139 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2045% | 5,296 |
| Cost of funding earning assets | 0.3504% | 3,513 |
| Net interest margin | 2.8541% | 5,206 |
| Noninterest income to average assets | 0.8392% | 1,617 |
| Noninterest expense to average assets | 2.5435% | 3,862 |
| Loan and lease loss provision to assets | -0.0929% | 5,678 |
| Net operating income to assets | 0.7744% | 3,429 |
| Return on assets (ROA) | 0.7791% | 3,513 |
| Pretax return on assets | 1.1117% | 3,056 |
| Return on Equity (ROE) | 8.3977% | 2,745 |
| Retained earnings to average equity (ytd only) | 5.1214% | 2,269 |
| Net charge-offs to loans | -0.1117% | 5,620 |
| Credit loss provision to net charge-offs | 106.4957% | 2,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8306% | 3,462 |
| Assets per employee ($millions) | 10.7815% | 240 |
| Cash dividends to net income (ytd only)* | 39.0142% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 2,669 |
| Loan loss allowance to noncurrent loans | 450.9212% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 4,330 |
| Noncurrent loans to loans | 0.2830% | 4,139 |
| Net loans and leases to total assets | 77.3751% | 1,299 |
| Net loans and leases to deposits | 98.1748% | 815 |
| Net loans and leases to core deposits | 116.9460% | 577 |
| Total domestic deposits to total assets | 78.8136% | 4,835 |
| Equity capital to assets | 8.8974% | 4,914 |
| Core capital (leverage) ratio | 8.6958% | 5,080 |
| Tier 1 risk-based capital ratio | 11.6352% | 4,962 |
| Total risk-based capital ratio | 12.8870% | 4,867 |
| Memoranda: | ||
| Average total assets | $7,468,581,000 | 153 |
| Average earning assets | $7,108,155,000 | 150 |
| Average equity | $692,860,400 | 178 |
| Average total loans | $5,827,930,800 | 138 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 5,344 |
| Cost of funding earning assets | 0.3542% | 3,497 |
| Net interest margin | 2.8603% | 5,250 |
| Noninterest income to average assets | 0.7904% | 1,802 |
| Noninterest expense to average assets | 2.4503% | 4,134 |
| Loan and lease loss provision to assets | -0.1048% | 5,799 |
| Net operating income to assets | 0.8040% | 3,346 |
| Return on assets (ROA) | 0.8102% | 3,461 |
| Pretax return on assets | 1.1748% | 2,941 |
| Return on Equity (ROE) | 8.6401% | 2,694 |
| Retained earnings to average equity (ytd only) | 5.5400% | 2,461 |
| Net charge-offs to loans | -0.1153% | 5,622 |
| Credit loss provision to net charge-offs | 116.7035% | 2,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6353% | 3,114 |
| Assets per employee ($millions) | 10.3051% | 273 |
| Cash dividends to net income (ytd only)* | 35.8798% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 2,568 |
| Loan loss allowance to noncurrent loans | 470.9781% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 4,465 |
| Noncurrent loans to loans | 0.2807% | 4,257 |
| Net loans and leases to total assets | 77.1672% | 1,330 |
| Net loans and leases to deposits | 96.8666% | 966 |
| Net loans and leases to core deposits | 112.4348% | 787 |
| Total domestic deposits to total assets | 79.6634% | 4,582 |
| Equity capital to assets | 9.4394% | 4,728 |
| Core capital (leverage) ratio | 8.7847% | 5,073 |
| Tier 1 risk-based capital ratio | 11.7397% | 4,959 |
| Total risk-based capital ratio | 12.9920% | 4,856 |
| Memoranda: | ||
| Average total assets | $7,384,276,500 | 156 |
| Average earning assets | $7,024,072,750 | 148 |
| Average equity | $692,446,250 | 178 |
| Average total loans | $5,755,459,000 | 138 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2271% | 5,393 |
| Cost of funding earning assets | 0.3575% | 3,478 |
| Net interest margin | 2.8696% | 5,314 |
| Noninterest income to average assets | 0.7540% | 1,914 |
| Noninterest expense to average assets | 2.5324% | 3,939 |
| Loan and lease loss provision to assets | -0.1544% | 5,918 |
| Net operating income to assets | 0.7667% | 3,470 |
| Return on assets (ROA) | 0.7710% | 3,589 |
| Pretax return on assets | 1.1116% | 3,156 |
| Return on Equity (ROE) | 8.2404% | 2,865 |
| Retained earnings to average equity (ytd only) | 5.1540% | 2,628 |
| Net charge-offs to loans | -0.1022% | 5,631 |
| Credit loss provision to net charge-offs | 194.0431% | 1,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5339% | 2,741 |
| Assets per employee ($millions) | 9.7167% | 310 |
| Cash dividends to net income (ytd only)* | 37.4545% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,696 |
| Loan loss allowance to noncurrent loans | 392.4416% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 4,341 |
| Noncurrent loans to loans | 0.3353% | 4,161 |
| Net loans and leases to total assets | 76.6192% | 1,396 |
| Net loans and leases to deposits | 99.3861% | 746 |
| Net loans and leases to core deposits | 114.2846% | 712 |
| Total domestic deposits to total assets | 77.0925% | 5,152 |
| Equity capital to assets | 9.4352% | 4,833 |
| Core capital (leverage) ratio | 8.7895% | 5,070 |
| Tier 1 risk-based capital ratio | 11.6502% | 5,062 |
| Total risk-based capital ratio | 12.9024% | 4,961 |
| Memoranda: | ||
| Average total assets | $7,341,552,330 | 155 |
| Average earning assets | $6,982,797,000 | 149 |
| Average equity | $686,885,670 | 178 |
| Average total loans | $5,715,674,000 | 140 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2570% | 5,404 |
| Cost of funding earning assets | 0.3552% | 3,550 |
| Net interest margin | 2.9018% | 5,317 |
| Noninterest income to average assets | 0.7890% | 1,664 |
| Noninterest expense to average assets | 2.5803% | 3,812 |
| Loan and lease loss provision to assets | -0.1715% | 6,013 |
| Net operating income to assets | 0.7898% | 3,299 |
| Return on assets (ROA) | 0.7898% | 3,400 |
| Pretax return on assets | 1.1422% | 2,924 |
| Return on Equity (ROE) | 8.4782% | 2,671 |
| Retained earnings to average equity (ytd only) | 5.5982% | 2,584 |
| Net charge-offs to loans | -0.0744% | 5,521 |
| Credit loss provision to net charge-offs | 295.5660% | 865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5171% | 2,869 |
| Assets per employee ($millions) | 9.8709% | 296 |
| Cash dividends to net income (ytd only)* | 33.9688% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 2,663 |
| Loan loss allowance to noncurrent loans | 313.7913% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 4,209 |
| Noncurrent loans to loans | 0.4300% | 3,903 |
| Net loans and leases to total assets | 77.1146% | 1,234 |
| Net loans and leases to deposits | 95.4428% | 994 |
| Net loans and leases to core deposits | 111.0664% | 802 |
| Total domestic deposits to total assets | 80.7967% | 4,556 |
| Equity capital to assets | 9.5227% | 4,646 |
| Core capital (leverage) ratio | 8.7891% | 5,084 |
| Tier 1 risk-based capital ratio | 11.6906% | 5,111 |
| Total risk-based capital ratio | 12.9431% | 5,024 |
| Memoranda: | ||
| Average total assets | $7,305,413,000 | 158 |
| Average earning assets | $6,953,441,500 | 147 |
| Average equity | $680,573,000 | 179 |
| Average total loans | $5,695,424,000 | 139 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2558% | 5,422 |
| Cost of funding earning assets | 0.3678% | 3,506 |
| Net interest margin | 2.8881% | 5,354 |
| Noninterest income to average assets | 0.9278% | 1,360 |
| Noninterest expense to average assets | 2.4725% | 4,316 |
| Loan and lease loss provision to assets | -0.0225% | 5,670 |
| Net operating income to assets | 0.8254% | 3,220 |
| Return on assets (ROA) | 0.8278% | 3,282 |
| Pretax return on assets | 1.2257% | 2,570 |
| Return on Equity (ROE) | 8.7547% | 2,593 |
| Retained earnings to average equity (ytd only) | 5.2804% | 2,220 |
| Net charge-offs to loans | -0.0769% | 5,703 |
| Credit loss provision to net charge-offs | 36.8746% | 3,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2391% | 3,865 |
| Assets per employee ($millions) | 10.6748% | 218 |
| Cash dividends to net income (ytd only)* | 39.6846% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 2,554 |
| Loan loss allowance to noncurrent loans | 295.4349% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 4,111 |
| Noncurrent loans to loans | 0.4639% | 3,805 |
| Net loans and leases to total assets | 76.6915% | 1,302 |
| Net loans and leases to deposits | 92.4988% | 1,348 |
| Net loans and leases to core deposits | 107.6099% | 992 |
| Total domestic deposits to total assets | 82.9108% | 3,866 |
| Equity capital to assets | 9.1127% | 5,005 |
| Core capital (leverage) ratio | 8.6807% | 5,236 |
| Tier 1 risk-based capital ratio | 11.4931% | 5,260 |
| Total risk-based capital ratio | 12.7460% | 5,159 |
| Memoranda: | ||
| Average total assets | $6,910,095,600 | 156 |
| Average earning assets | $6,566,206,000 | 143 |
| Average equity | $653,375,200 | 176 |
| Average total loans | $5,481,564,200 | 134 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2735% | 5,454 |
| Cost of funding earning assets | 0.3693% | 3,552 |
| Net interest margin | 2.9043% | 5,405 |
| Noninterest income to average assets | 0.9853% | 1,218 |
| Noninterest expense to average assets | 2.4280% | 4,423 |
| Loan and lease loss provision to assets | 0.0020% | 4,205 |
| Net operating income to assets | 0.8834% | 3,023 |
| Return on assets (ROA) | 0.8834% | 3,106 |
| Pretax return on assets | 1.3123% | 2,347 |
| Return on Equity (ROE) | 9.2519% | 2,439 |
| Retained earnings to average equity (ytd only) | 5.6562% | 2,482 |
| Net charge-offs to loans | -0.0814% | 5,716 |
| Credit loss provision to net charge-offs | -3.0230% | 4,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8549% | 4,274 |
| Assets per employee ($millions) | 10.1095% | 257 |
| Cash dividends to net income (ytd only)* | 38.8638% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 2,540 |
| Loan loss allowance to noncurrent loans | 257.4845% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 3,989 |
| Noncurrent loans to loans | 0.5481% | 3,698 |
| Net loans and leases to total assets | 79.0180% | 954 |
| Net loans and leases to deposits | 96.7664% | 929 |
| Net loans and leases to core deposits | 112.1491% | 755 |
| Total domestic deposits to total assets | 81.6586% | 4,271 |
| Equity capital to assets | 9.4675% | 4,789 |
| Core capital (leverage) ratio | 8.7113% | 5,341 |
| Tier 1 risk-based capital ratio | 11.3871% | 5,434 |
| Total risk-based capital ratio | 12.6405% | 5,344 |
| Memoranda: | ||
| Average total assets | $6,796,222,000 | 157 |
| Average earning assets | $6,451,635,500 | 148 |
| Average equity | $648,918,000 | 176 |
| Average total loans | $5,420,134,250 | 137 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2879% | 5,461 |
| Cost of funding earning assets | 0.3689% | 3,611 |
| Net interest margin | 2.9189% | 5,405 |
| Noninterest income to average assets | 1.0284% | 1,122 |
| Noninterest expense to average assets | 2.4395% | 4,432 |
| Loan and lease loss provision to assets | -0.0743% | 6,058 |
| Net operating income to assets | 0.9521% | 2,623 |
| Return on assets (ROA) | 0.9521% | 2,741 |
| Pretax return on assets | 1.4313% | 1,858 |
| Return on Equity (ROE) | 9.9427% | 2,096 |
| Retained earnings to average equity (ytd only) | 6.3720% | 2,022 |
| Net charge-offs to loans | -0.1835% | 5,999 |
| Credit loss provision to net charge-offs | 50.8854% | 2,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2490% | 4,475 |
| Assets per employee ($millions) | 9.8657% | 269 |
| Cash dividends to net income (ytd only)* | 35.9128% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 2,629 |
| Loan loss allowance to noncurrent loans | 261.7878% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 4,134 |
| Noncurrent loans to loans | 0.5452% | 3,818 |
| Net loans and leases to total assets | 78.7081% | 979 |
| Net loans and leases to deposits | 98.3641% | 765 |
| Net loans and leases to core deposits | 113.8044% | 675 |
| Total domestic deposits to total assets | 80.0171% | 4,869 |
| Equity capital to assets | 9.4777% | 4,679 |
| Core capital (leverage) ratio | 8.9868% | 4,989 |
| Tier 1 risk-based capital ratio | 11.4795% | 5,475 |
| Total risk-based capital ratio | 12.7330% | 5,393 |
| Memoranda: | ||
| Average total assets | $6,726,334,330 | 159 |
| Average earning assets | $6,378,681,670 | 150 |
| Average equity | $644,129,670 | 179 |
| Average total loans | $5,355,126,670 | 140 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3542% | 5,317 |
| Cost of funding earning assets | 0.3721% | 3,620 |
| Net interest margin | 2.9820% | 5,267 |
| Noninterest income to average assets | 1.0039% | 1,115 |
| Noninterest expense to average assets | 2.4725% | 4,359 |
| Loan and lease loss provision to assets | -0.1502% | 6,236 |
| Net operating income to assets | 0.9995% | 2,275 |
| Return on assets (ROA) | 0.9995% | 2,406 |
| Pretax return on assets | 1.5081% | 1,544 |
| Return on Equity (ROE) | 10.3826% | 1,839 |
| Retained earnings to average equity (ytd only) | 7.2615% | 1,881 |
| Net charge-offs to loans | -0.2967% | 6,140 |
| Credit loss provision to net charge-offs | 63.6943% | 1,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5827% | 4,541 |
| Assets per employee ($millions) | 9.9513% | 261 |
| Cash dividends to net income (ytd only)* | 30.0607% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 2,643 |
| Loan loss allowance to noncurrent loans | 240.4475% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 4,049 |
| Noncurrent loans to loans | 0.6056% | 3,758 |
| Net loans and leases to total assets | 78.0671% | 912 |
| Net loans and leases to deposits | 96.1994% | 818 |
| Net loans and leases to core deposits | 111.0453% | 705 |
| Total domestic deposits to total assets | 81.1513% | 4,784 |
| Equity capital to assets | 9.6711% | 4,549 |
| Core capital (leverage) ratio | 8.9532% | 5,006 |
| Tier 1 risk-based capital ratio | 11.5866% | 5,504 |
| Total risk-based capital ratio | 12.8403% | 5,418 |
| Memoranda: | ||
| Average total assets | $6,656,238,500 | 157 |
| Average earning assets | $6,308,814,500 | 151 |
| Average equity | $640,800,000 | 176 |
| Average total loans | $5,291,309,000 | 139 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3790% | 5,571 |
| Cost of funding earning assets | 0.3819% | 3,886 |
| Net interest margin | 2.9971% | 5,454 |
| Noninterest income to average assets | 0.7022% | 2,293 |
| Noninterest expense to average assets | 2.2020% | 5,353 |
| Loan and lease loss provision to assets | -0.0997% | 6,147 |
| Net operating income to assets | 0.9733% | 2,511 |
| Return on assets (ROA) | 0.9733% | 2,592 |
| Pretax return on assets | 1.4597% | 1,695 |
| Return on Equity (ROE) | 10.4362% | 1,937 |
| Retained earnings to average equity (ytd only) | 6.0106% | 1,924 |
| Net charge-offs to loans | -0.1133% | 6,145 |
| Credit loss provision to net charge-offs | 109.0847% | 2,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4273% | 5,003 |
| Assets per employee ($millions) | 9.8441% | 263 |
| Cash dividends to net income (ytd only)* | 42.4061% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 2,758 |
| Loan loss allowance to noncurrent loans | 171.6491% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 3,529 |
| Noncurrent loans to loans | 0.8373% | 3,219 |
| Net loans and leases to total assets | 78.6242% | 933 |
| Net loans and leases to deposits | 94.3171% | 1,048 |
| Net loans and leases to core deposits | 109.0569% | 826 |
| Total domestic deposits to total assets | 83.3615% | 3,958 |
| Equity capital to assets | 9.5825% | 4,614 |
| Core capital (leverage) ratio | 8.5476% | 5,501 |
| Tier 1 risk-based capital ratio | 11.8835% | 5,438 |
| Total risk-based capital ratio | 13.1382% | 5,341 |
| Memoranda: | ||
| Average total assets | $6,420,756,200 | 156 |
| Average earning assets | $6,126,694,800 | 146 |
| Average equity | $598,792,600 | 179 |
| Average total loans | $5,177,505,400 | 135 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4140% | 5,568 |
| Cost of funding earning assets | 0.3805% | 4,010 |
| Net interest margin | 3.0335% | 5,426 |
| Noninterest income to average assets | 0.6195% | 2,750 |
| Noninterest expense to average assets | 2.0796% | 5,622 |
| Loan and lease loss provision to assets | -0.1841% | 6,374 |
| Net operating income to assets | 1.0693% | 2,154 |
| Return on assets (ROA) | 1.0693% | 2,224 |
| Pretax return on assets | 1.6225% | 1,256 |
| Return on Equity (ROE) | 11.5486% | 1,611 |
| Retained earnings to average equity (ytd only) | 7.0968% | 1,771 |
| Net charge-offs to loans | -0.1996% | 6,312 |
| Credit loss provision to net charge-offs | 114.1079% | 1,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0115% | 5,311 |
| Assets per employee ($millions) | 11.1801% | 169 |
| Cash dividends to net income (ytd only)* | 38.5481% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 2,981 |
| Loan loss allowance to noncurrent loans | 221.2644% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 4,254 |
| Noncurrent loans to loans | 0.6520% | 3,983 |
| Net loans and leases to total assets | 79.0427% | 829 |
| Net loans and leases to deposits | 95.3055% | 934 |
| Net loans and leases to core deposits | 109.1066% | 788 |
| Total domestic deposits to total assets | 82.9361% | 4,173 |
| Equity capital to assets | 9.3232% | 5,014 |
| Core capital (leverage) ratio | 9.3223% | 4,613 |
| Tier 1 risk-based capital ratio | 12.7962% | 4,980 |
| Total risk-based capital ratio | 14.0510% | 4,888 |
| Memoranda: | ||
| Average total assets | $6,372,129,500 | 156 |
| Average earning assets | $6,088,390,000 | 145 |
| Average equity | $590,014,500 | 180 |
| Average total loans | $5,152,623,000 | 136 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4498% | 5,522 |
| Cost of funding earning assets | 0.3766% | 4,145 |
| Net interest margin | 3.0732% | 5,338 |
| Noninterest income to average assets | 0.6348% | 2,638 |
| Noninterest expense to average assets | 2.1125% | 5,600 |
| Loan and lease loss provision to assets | -0.1960% | 6,474 |
| Net operating income to assets | 1.0781% | 2,015 |
| Return on assets (ROA) | 1.0781% | 2,088 |
| Pretax return on assets | 1.6504% | 1,135 |
| Return on Equity (ROE) | 11.6714% | 1,527 |
| Retained earnings to average equity (ytd only) | 7.5651% | 1,493 |
| Net charge-offs to loans | -0.1706% | 6,310 |
| Credit loss provision to net charge-offs | 141.6819% | 1,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1117% | 5,413 |
| Assets per employee ($millions) | 10.2038% | 221 |
| Cash dividends to net income (ytd only)* | 35.1824% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 3,076 |
| Loan loss allowance to noncurrent loans | 178.8298% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 3,934 |
| Noncurrent loans to loans | 0.8159% | 3,672 |
| Net loans and leases to total assets | 81.1480% | 557 |
| Net loans and leases to deposits | 100.6016% | 525 |
| Net loans and leases to core deposits | 116.6373% | 460 |
| Total domestic deposits to total assets | 80.6627% | 5,079 |
| Equity capital to assets | 9.6086% | 4,610 |
| Core capital (leverage) ratio | 9.4849% | 4,356 |
| Tier 1 risk-based capital ratio | 12.8889% | 4,984 |
| Total risk-based capital ratio | 14.1440% | 4,917 |
| Memoranda: | ||
| Average total assets | $6,327,238,000 | 157 |
| Average earning assets | $6,036,779,670 | 145 |
| Average equity | $584,472,000 | 179 |
| Average total loans | $5,130,686,000 | 135 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3466% | 5,758 |
| Cost of funding earning assets | 0.3667% | 4,358 |
| Net interest margin | 2.9799% | 5,571 |
| Noninterest income to average assets | 0.6034% | 2,714 |
| Noninterest expense to average assets | 2.1064% | 5,671 |
| Loan and lease loss provision to assets | -0.0751% | 6,475 |
| Net operating income to assets | 0.9362% | 2,476 |
| Return on assets (ROA) | 0.9362% | 2,549 |
| Pretax return on assets | 1.4170% | 1,688 |
| Return on Equity (ROE) | 10.3364% | 1,926 |
| Retained earnings to average equity (ytd only) | 6.1889% | 2,436 |
| Net charge-offs to loans | -0.1116% | 6,162 |
| Credit loss provision to net charge-offs | 83.6820% | 1,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9648% | 5,268 |
| Assets per employee ($millions) | 11.1943% | 177 |
| Cash dividends to net income (ytd only)* | 40.1257% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 3,215 |
| Loan loss allowance to noncurrent loans | 179.6258% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 4,116 |
| Noncurrent loans to loans | 0.8257% | 3,823 |
| Net loans and leases to total assets | 77.9637% | 774 |
| Net loans and leases to deposits | 94.4208% | 750 |
| Net loans and leases to core deposits | 108.2840% | 664 |
| Total domestic deposits to total assets | 82.5704% | 4,764 |
| Equity capital to assets | 8.9466% | 5,171 |
| Core capital (leverage) ratio | 9.3169% | 4,549 |
| Tier 1 risk-based capital ratio | 12.4709% | 5,333 |
| Total risk-based capital ratio | 13.7262% | 5,265 |
| Memoranda: | ||
| Average total assets | $6,388,904,000 | 160 |
| Average earning assets | $6,099,363,500 | 145 |
| Average equity | $578,652,500 | 181 |
| Average total loans | $5,141,583,000 | 135 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5137% | 5,614 |
| Cost of funding earning assets | 0.4296% | 4,320 |
| Net interest margin | 3.0842% | 5,367 |
| Noninterest income to average assets | 0.7787% | 2,172 |
| Noninterest expense to average assets | 2.2810% | 5,426 |
| Loan and lease loss provision to assets | -0.1644% | 6,563 |
| Net operating income to assets | 1.0626% | 2,069 |
| Return on assets (ROA) | 1.0626% | 2,150 |
| Pretax return on assets | 1.6002% | 1,167 |
| Return on Equity (ROE) | 11.5477% | 1,575 |
| Retained earnings to average equity (ytd only) | 6.5625% | 1,647 |
| Net charge-offs to loans | -0.0461% | 6,315 |
| Credit loss provision to net charge-offs | 432.1521% | 528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2472% | 5,321 |
| Assets per employee ($millions) | 10.6682% | 190 |
| Cash dividends to net income (ytd only)* | 43.1701% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 3,234 |
| Loan loss allowance to noncurrent loans | 170.3683% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 4,056 |
| Noncurrent loans to loans | 0.8758% | 3,794 |
| Net loans and leases to total assets | 80.6533% | 529 |
| Net loans and leases to deposits | 97.8152% | 600 |
| Net loans and leases to core deposits | 112.6160% | 512 |
| Total domestic deposits to total assets | 82.4547% | 4,725 |
| Equity capital to assets | 9.1726% | 4,840 |
| Core capital (leverage) ratio | 9.2680% | 4,606 |
| Tier 1 risk-based capital ratio | 12.3741% | 5,377 |
| Total risk-based capital ratio | 13.6295% | 5,305 |
| Memoranda: | ||
| Average total assets | $6,081,884,200 | 159 |
| Average earning assets | $5,793,899,200 | 147 |
| Average equity | $559,662,000 | 183 |
| Average total loans | $5,017,534,200 | 132 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5521% | 5,573 |
| Cost of funding earning assets | 0.4405% | 4,375 |
| Net interest margin | 3.1116% | 5,289 |
| Noninterest income to average assets | 0.8205% | 2,054 |
| Noninterest expense to average assets | 2.2819% | 5,399 |
| Loan and lease loss provision to assets | -0.1766% | 6,703 |
| Net operating income to assets | 1.0987% | 2,013 |
| Return on assets (ROA) | 1.0987% | 2,085 |
| Pretax return on assets | 1.6769% | 1,149 |
| Return on Equity (ROE) | 11.9300% | 1,491 |
| Retained earnings to average equity (ytd only) | 6.0572% | 2,373 |
| Net charge-offs to loans | -0.0299% | 6,163 |
| Credit loss provision to net charge-offs | 714.2857% | 407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2098% | 5,404 |
| Assets per employee ($millions) | 10.5007% | 202 |
| Cash dividends to net income (ytd only)* | 49.2274% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 3,152 |
| Loan loss allowance to noncurrent loans | 146.9926% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 3,924 |
| Noncurrent loans to loans | 1.0663% | 3,668 |
| Net loans and leases to total assets | 79.5782% | 598 |
| Net loans and leases to deposits | 97.1025% | 617 |
| Net loans and leases to core deposits | 111.7806% | 513 |
| Total domestic deposits to total assets | 81.9528% | 4,948 |
| Equity capital to assets | 9.2138% | 4,915 |
| Core capital (leverage) ratio | 9.3617% | 4,591 |
| Tier 1 risk-based capital ratio | 12.6658% | 5,350 |
| Total risk-based capital ratio | 13.9225% | 5,290 |
| Memoranda: | ||
| Average total assets | $6,039,470,250 | 156 |
| Average earning assets | $5,748,498,750 | 147 |
| Average equity | $556,221,000 | 180 |
| Average total loans | $4,992,307,000 | 130 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6140% | 5,392 |
| Cost of funding earning assets | 0.4530% | 4,402 |
| Net interest margin | 3.1610% | 5,084 |
| Noninterest income to average assets | 0.9448% | 1,676 |
| Noninterest expense to average assets | 2.3469% | 5,224 |
| Loan and lease loss provision to assets | -0.0664% | 6,666 |
| Net operating income to assets | 1.0965% | 1,939 |
| Return on assets (ROA) | 1.0965% | 2,053 |
| Pretax return on assets | 1.6748% | 1,174 |
| Return on Equity (ROE) | 11.9072% | 1,525 |
| Retained earnings to average equity (ytd only) | 9.9236% | 863 |
| Net charge-offs to loans | 0.0501% | 3,976 |
| Credit loss provision to net charge-offs | -159.1090% | 5,683 |
| Earnings coverage of net charge-offs (x) | 38.5306% | 954 |
| Efficiency ratio | 59.2180% | 5,579 |
| Assets per employee ($millions) | 9.5599% | 248 |
| Cash dividends to net income (ytd only)* | 16.6581% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 2,917 |
| Loan loss allowance to noncurrent loans | 154.4254% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 3,953 |
| Noncurrent loans to loans | 1.0786% | 3,772 |
| Net loans and leases to total assets | 82.4748% | 324 |
| Net loans and leases to deposits | 103.0566% | 296 |
| Net loans and leases to core deposits | 120.1026% | 315 |
| Total domestic deposits to total assets | 80.0287% | 5,600 |
| Equity capital to assets | 9.7557% | 4,234 |
| Core capital (leverage) ratio | 9.4668% | 4,298 |
| Tier 1 risk-based capital ratio | 12.9372% | 5,189 |
| Total risk-based capital ratio | 14.1952% | 5,120 |
| Memoranda: | ||
| Average total assets | $6,022,487,330 | 154 |
| Average earning assets | $5,735,861,000 | 147 |
| Average equity | $554,574,330 | 180 |
| Average total loans | $5,015,135,670 | 128 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5785% | 5,507 |
| Cost of funding earning assets | 0.4707% | 4,363 |
| Net interest margin | 3.1078% | 5,232 |
| Noninterest income to average assets | 0.6260% | 3,004 |
| Noninterest expense to average assets | 2.2533% | 5,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8988% | 2,663 |
| Return on assets (ROA) | 0.8988% | 2,814 |
| Pretax return on assets | 1.3339% | 2,108 |
| Return on Equity (ROE) | 10.0411% | 2,048 |
| Retained earnings to average equity (ytd only) | 8.0766% | 1,726 |
| Net charge-offs to loans | 0.1390% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 11.5647% | 1,656 |
| Efficiency ratio | 62.6906% | 5,201 |
| Assets per employee ($millions) | 9.6337% | 258 |
| Cash dividends to net income (ytd only)* | 19.5652% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 3,306 |
| Loan loss allowance to noncurrent loans | 112.6033% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.2623% | 3,458 |
| Noncurrent loans to loans | 1.4406% | 3,407 |
| Net loans and leases to total assets | 83.0115% | 232 |
| Net loans and leases to deposits | 104.5675% | 220 |
| Net loans and leases to core deposits | 119.5772% | 291 |
| Total domestic deposits to total assets | 79.3856% | 5,899 |
| Equity capital to assets | 9.2377% | 5,216 |
| Core capital (leverage) ratio | 8.9829% | 4,917 |
| Tier 1 risk-based capital ratio | 12.0312% | 5,897 |
| Total risk-based capital ratio | 13.2885% | 5,849 |
| Memoranda: | ||
| Average total assets | $6,141,853,500 | 155 |
| Average earning assets | $5,852,025,000 | 148 |
| Average equity | $549,738,000 | 184 |
| Average total loans | $5,097,232,500 | 132 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8897% | 5,601 |
| Cost of funding earning assets | 0.5906% | 4,433 |
| Net interest margin | 3.2991% | 5,248 |
| Noninterest income to average assets | 0.5383% | 3,656 |
| Noninterest expense to average assets | 2.4700% | 5,188 |
| Loan and lease loss provision to assets | -0.0546% | 6,869 |
| Net operating income to assets | 0.8386% | 3,101 |
| Return on assets (ROA) | 0.8477% | 3,308 |
| Pretax return on assets | 1.2765% | 2,498 |
| Return on Equity (ROE) | 9.7963% | 2,262 |
| Retained earnings to average equity (ytd only) | 7.8260% | 1,187 |
| Net charge-offs to loans | 0.1763% | 3,963 |
| Credit loss provision to net charge-offs | -37.6841% | 6,265 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,428 |
| Efficiency ratio | 67.0960% | 4,311 |
| Assets per employee ($millions) | 9.8466% | 253 |
| Cash dividends to net income (ytd only)* | 20.1125% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 3,143 |
| Loan loss allowance to noncurrent loans | 130.7243% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 1.0828% | 3,854 |
| Noncurrent loans to loans | 1.2554% | 3,738 |
| Net loans and leases to total assets | 80.3208% | 440 |
| Net loans and leases to deposits | 97.6788% | 525 |
| Net loans and leases to core deposits | 111.3004% | 493 |
| Total domestic deposits to total assets | 82.2295% | 5,022 |
| Equity capital to assets | 8.6756% | 5,872 |
| Core capital (leverage) ratio | 8.7347% | 5,274 |
| Tier 1 risk-based capital ratio | 11.6815% | 5,969 |
| Total risk-based capital ratio | 12.9390% | 5,930 |
| Memoranda: | ||
| Average total assets | $6,040,965,800 | 154 |
| Average earning assets | $5,749,062,000 | 146 |
| Average equity | $522,769,000 | 187 |
| Average total loans | $4,967,215,000 | 128 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 5,638 |
| Cost of funding earning assets | 0.6140% | 4,505 |
| Net interest margin | 3.3446% | 5,231 |
| Noninterest income to average assets | 0.5140% | 3,834 |
| Noninterest expense to average assets | 2.4074% | 5,373 |
| Loan and lease loss provision to assets | 0.0379% | 5,303 |
| Net operating income to assets | 0.8269% | 3,315 |
| Return on assets (ROA) | 0.8392% | 3,512 |
| Pretax return on assets | 1.2695% | 2,710 |
| Return on Equity (ROE) | 9.7038% | 2,498 |
| Retained earnings to average equity (ytd only) | 7.8227% | 1,696 |
| Net charge-offs to loans | 0.1808% | 3,670 |
| Credit loss provision to net charge-offs | 25.4301% | 4,874 |
| Earnings coverage of net charge-offs (x) | 8.6510% | 2,416 |
| Efficiency ratio | 65.0848% | 4,615 |
| Assets per employee ($millions) | 9.4443% | 282 |
| Cash dividends to net income (ytd only)* | 19.3850% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7869% | 2,834 |
| Loan loss allowance to noncurrent loans | 119.7978% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.3051% | 3,686 |
| Noncurrent loans to loans | 1.4916% | 3,549 |
| Net loans and leases to total assets | 82.4790% | 307 |
| Net loans and leases to deposits | 105.3498% | 249 |
| Net loans and leases to core deposits | 118.4427% | 337 |
| Total domestic deposits to total assets | 78.2906% | 6,017 |
| Equity capital to assets | 8.7862% | 6,027 |
| Core capital (leverage) ratio | 8.2048% | 6,138 |
| Tier 1 risk-based capital ratio | 11.5617% | 6,191 |
| Total risk-based capital ratio | 12.8216% | 6,164 |
| Memoranda: | ||
| Average total assets | $5,983,133,500 | 154 |
| Average earning assets | $5,692,390,250 | 147 |
| Average equity | $517,421,250 | 191 |
| Average total loans | $4,928,515,500 | 129 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9894% | 5,673 |
| Cost of funding earning assets | 0.6365% | 4,555 |
| Net interest margin | 3.3529% | 5,255 |
| Noninterest income to average assets | 0.5081% | 3,874 |
| Noninterest expense to average assets | 2.3886% | 5,497 |
| Loan and lease loss provision to assets | 0.1915% | 3,178 |
| Net operating income to assets | 0.7480% | 3,619 |
| Return on assets (ROA) | 0.7669% | 3,795 |
| Pretax return on assets | 1.1424% | 3,143 |
| Return on Equity (ROE) | 8.9161% | 2,847 |
| Retained earnings to average equity (ytd only) | 7.0803% | 2,057 |
| Net charge-offs to loans | 0.1133% | 4,042 |
| Credit loss provision to net charge-offs | 206.5217% | 1,372 |
| Earnings coverage of net charge-offs (x) | 14.0822% | 1,737 |
| Efficiency ratio | 64.6076% | 4,781 |
| Assets per employee ($millions) | 9.4229% | 279 |
| Cash dividends to net income (ytd only)* | 20.5897% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9412% | 2,405 |
| Loan loss allowance to noncurrent loans | 146.9906% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 1.1608% | 4,074 |
| Noncurrent loans to loans | 1.3206% | 3,939 |
| Net loans and leases to total assets | 82.4559% | 308 |
| Net loans and leases to deposits | 106.2082% | 227 |
| Net loans and leases to core deposits | 121.0885% | 294 |
| Total domestic deposits to total assets | 77.6361% | 6,225 |
| Equity capital to assets | 8.5608% | 6,152 |
| Core capital (leverage) ratio | 8.4005% | 5,788 |
| Tier 1 risk-based capital ratio | 11.0024% | 6,495 |
| Total risk-based capital ratio | 12.2643% | 6,468 |
| Memoranda: | ||
| Average total assets | $5,953,282,000 | 155 |
| Average earning assets | $5,657,380,330 | 147 |
| Average equity | $512,042,670 | 192 |
| Average total loans | $4,871,414,330 | 129 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 5,784 |
| Cost of funding earning assets | 0.6649% | 4,580 |
| Net interest margin | 3.3281% | 5,375 |
| Noninterest income to average assets | 0.5133% | 3,825 |
| Noninterest expense to average assets | 2.4175% | 5,413 |
| Loan and lease loss provision to assets | 0.2714% | 2,288 |
| Net operating income to assets | 0.6657% | 4,049 |
| Return on assets (ROA) | 0.6657% | 4,266 |
| Pretax return on assets | 0.9811% | 3,743 |
| Return on Equity (ROE) | 7.7212% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.5965% | 3,207 |
| Net charge-offs to loans | 0.1860% | 2,989 |
| Credit loss provision to net charge-offs | 180.8318% | 1,433 |
| Earnings coverage of net charge-offs (x) | 8.3458% | 1,968 |
| Efficiency ratio | 65.8243% | 4,590 |
| Assets per employee ($millions) | 9.2998% | 294 |
| Cash dividends to net income (ytd only)* | 27.5173% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0183% | 2,305 |
| Loan loss allowance to noncurrent loans | 134.6695% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 1.2887% | 3,991 |
| Noncurrent loans to loans | 1.4987% | 3,874 |
| Net loans and leases to total assets | 79.9781% | 403 |
| Net loans and leases to deposits | 101.0502% | 338 |
| Net loans and leases to core deposits | 114.7123% | 409 |
| Total domestic deposits to total assets | 79.1469% | 6,040 |
| Equity capital to assets | 8.6120% | 5,979 |
| Core capital (leverage) ratio | 8.2977% | 5,875 |
| Tier 1 risk-based capital ratio | 11.2146% | 6,434 |
| Total risk-based capital ratio | 12.4772% | 6,412 |
| Memoranda: | ||
| Average total assets | $5,895,744,500 | 152 |
| Average earning assets | $5,592,062,500 | 147 |
| Average equity | $508,315,500 | 191 |
| Average total loans | $4,755,736,000 | 128 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 6,162 |
| Cost of funding earning assets | 0.7866% | 4,964 |
| Net interest margin | 3.3729% | 5,567 |
| Noninterest income to average assets | 0.6331% | 2,988 |
| Noninterest expense to average assets | 2.5916% | 5,128 |
| Loan and lease loss provision to assets | 0.2250% | 3,955 |
| Net operating income to assets | 0.6768% | 3,594 |
| Return on assets (ROA) | 0.6859% | 3,741 |
| Pretax return on assets | 1.0227% | 3,152 |
| Return on Equity (ROE) | 8.2939% | 2,768 |
| Retained earnings to average equity (ytd only) | 6.7642% | 1,613 |
| Net charge-offs to loans | 0.3430% | 3,686 |
| Credit loss provision to net charge-offs | 85.1835% | 4,233 |
| Earnings coverage of net charge-offs (x) | 4.6720% | 3,021 |
| Efficiency ratio | 67.6108% | 4,440 |
| Assets per employee ($millions) | 8.9025% | 342 |
| Cash dividends to net income (ytd only)* | 18.4442% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0622% | 2,098 |
| Loan loss allowance to noncurrent loans | 141.0516% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 1.2523% | 4,140 |
| Noncurrent loans to loans | 1.4620% | 3,967 |
| Net loans and leases to total assets | 78.0435% | 701 |
| Net loans and leases to deposits | 98.2942% | 542 |
| Net loans and leases to core deposits | 112.0362% | 564 |
| Total domestic deposits to total assets | 79.3979% | 5,895 |
| Equity capital to assets | 8.6317% | 5,979 |
| Core capital (leverage) ratio | 8.2537% | 5,922 |
| Tier 1 risk-based capital ratio | 11.5362% | 6,143 |
| Total risk-based capital ratio | 12.7994% | 6,116 |
| Memoranda: | ||
| Average total assets | $5,849,097,800 | 154 |
| Average earning assets | $5,536,385,000 | 149 |
| Average equity | $483,741,400 | 189 |
| Average total loans | $4,503,646,600 | 131 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 6,225 |
| Cost of funding earning assets | 0.8055% | 5,114 |
| Net interest margin | 3.3865% | 5,618 |
| Noninterest income to average assets | 0.6434% | 2,924 |
| Noninterest expense to average assets | 2.6121% | 5,029 |
| Loan and lease loss provision to assets | 0.3570% | 2,728 |
| Net operating income to assets | 0.6025% | 4,075 |
| Return on assets (ROA) | 0.6129% | 4,212 |
| Pretax return on assets | 0.8967% | 3,775 |
| Return on Equity (ROE) | 7.4924% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.0713% | 2,520 |
| Net charge-offs to loans | 0.4571% | 2,905 |
| Credit loss provision to net charge-offs | 102.3262% | 3,259 |
| Earnings coverage of net charge-offs (x) | 3.5498% | 3,398 |
| Efficiency ratio | 67.6626% | 4,387 |
| Assets per employee ($millions) | 8.8908% | 346 |
| Cash dividends to net income (ytd only)* | 18.9683% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1949% | 1,869 |
| Loan loss allowance to noncurrent loans | 134.3879% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 1.4192% | 4,000 |
| Noncurrent loans to loans | 1.6333% | 3,845 |
| Net loans and leases to total assets | 75.5680% | 1,048 |
| Net loans and leases to deposits | 94.7993% | 771 |
| Net loans and leases to core deposits | 109.3386% | 705 |
| Total domestic deposits to total assets | 79.7136% | 5,825 |
| Equity capital to assets | 8.4682% | 6,327 |
| Core capital (leverage) ratio | 8.1443% | 6,216 |
| Tier 1 risk-based capital ratio | 11.8684% | 5,987 |
| Total risk-based capital ratio | 13.1344% | 5,952 |
| Memoranda: | ||
| Average total assets | $5,849,138,500 | 154 |
| Average earning assets | $5,539,279,000 | 149 |
| Average equity | $478,461,750 | 191 |
| Average total loans | $4,464,351,250 | 133 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 6,293 |
| Cost of funding earning assets | 0.8208% | 5,237 |
| Net interest margin | 3.3719% | 5,633 |
| Noninterest income to average assets | 0.6012% | 3,136 |
| Noninterest expense to average assets | 2.6954% | 4,844 |
| Loan and lease loss provision to assets | 0.3810% | 2,511 |
| Net operating income to assets | 0.5121% | 4,450 |
| Return on assets (ROA) | 0.5258% | 4,536 |
| Pretax return on assets | 0.7406% | 4,246 |
| Return on Equity (ROE) | 6.5038% | 3,701 |
| Retained earnings to average equity (ytd only) | 5.4058% | 2,734 |
| Net charge-offs to loans | 0.4860% | 2,644 |
| Credit loss provision to net charge-offs | 103.1328% | 2,999 |
| Earnings coverage of net charge-offs (x) | 2.9836% | 3,359 |
| Efficiency ratio | 70.7057% | 3,987 |
| Assets per employee ($millions) | 8.6158% | 373 |
| Cash dividends to net income (ytd only)* | 16.8831% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2378% | 1,845 |
| Loan loss allowance to noncurrent loans | 123.5062% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 1.6190% | 3,764 |
| Noncurrent loans to loans | 1.8119% | 3,735 |
| Net loans and leases to total assets | 73.9563% | 1,425 |
| Net loans and leases to deposits | 92.6070% | 989 |
| Net loans and leases to core deposits | 107.8414% | 823 |
| Total domestic deposits to total assets | 79.8604% | 5,860 |
| Equity capital to assets | 8.2617% | 6,459 |
| Core capital (leverage) ratio | 7.9180% | 6,393 |
| Tier 1 risk-based capital ratio | 11.7006% | 6,012 |
| Total risk-based capital ratio | 12.9664% | 6,003 |
| Memoranda: | ||
| Average total assets | $5,857,700,670 | 156 |
| Average earning assets | $5,553,104,670 | 152 |
| Average equity | $473,568,670 | 195 |
| Average total loans | $4,452,660,670 | 133 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8046% | 6,949 |
| Cost of funding earning assets | 1.0017% | 4,193 |
| Net interest margin | 2.8029% | 6,904 |
| Noninterest income to average assets | 0.5943% | 3,213 |
| Noninterest expense to average assets | 1.9447% | 6,917 |
| Loan and lease loss provision to assets | 0.2558% | 3,095 |
| Net operating income to assets | 0.7641% | 3,196 |
| Return on assets (ROA) | 0.7985% | 3,113 |
| Pretax return on assets | 1.1140% | 2,707 |
| Return on Equity (ROE) | 11.1476% | 1,692 |
| Retained earnings to average equity (ytd only) | 9.1999% | 1,317 |
| Net charge-offs to loans | 0.1953% | 3,333 |
| Credit loss provision to net charge-offs | 172.6845% | 1,678 |
| Earnings coverage of net charge-offs (x) | 8.9254% | 1,774 |
| Efficiency ratio | 59.5309% | 6,053 |
| Assets per employee ($millions) | 11.0010% | 193 |
| Cash dividends to net income (ytd only)* | 17.4723% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 5,192 |
| Loan loss allowance to noncurrent loans | 145.2475% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 5,498 |
| Noncurrent loans to loans | 0.8866% | 5,272 |
| Net loans and leases to total assets | 75.6294% | 1,088 |
| Net loans and leases to deposits | 98.0967% | 567 |
| Net loans and leases to core deposits | 112.8367% | 634 |
| Total domestic deposits to total assets | 77.0967% | 6,520 |
| Equity capital to assets | 7.2483% | 6,995 |
| Core capital (leverage) ratio | 7.0091% | 7,003 |
| Tier 1 risk-based capital ratio | 10.4790% | 6,819 |
| Total risk-based capital ratio | 11.7322% | 6,803 |
| Memoranda: | ||
| Average total assets | $3,440,599,000 | 224 |
| Average earning assets | $3,280,365,000 | 210 |
| Average equity | $246,438,500 | 303 |
| Average total loans | $2,609,583,500 | 196 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2346% | 6,880 |
| Cost of funding earning assets | 1.3131% | 3,796 |
| Net interest margin | 2.9215% | 6,867 |
| Noninterest income to average assets | 0.6058% | 3,438 |
| Noninterest expense to average assets | 2.0423% | 6,960 |
| Loan and lease loss provision to assets | 0.2842% | 4,530 |
| Net operating income to assets | 0.7701% | 2,921 |
| Return on assets (ROA) | 0.8186% | 2,855 |
| Pretax return on assets | 1.1252% | 2,482 |
| Return on Equity (ROE) | 11.2874% | 1,508 |
| Retained earnings to average equity (ytd only) | 7.4110% | 1,173 |
| Net charge-offs to loans | 0.1502% | 5,452 |
| Credit loss provision to net charge-offs | 249.6644% | 1,150 |
| Earnings coverage of net charge-offs (x) | 11.7981% | 1,573 |
| Efficiency ratio | 60.3297% | 5,995 |
| Assets per employee ($millions) | 10.9488% | 201 |
| Cash dividends to net income (ytd only)* | 34.3425% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 5,151 |
| Loan loss allowance to noncurrent loans | 130.8517% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 5,545 |
| Noncurrent loans to loans | 0.9721% | 5,104 |
| Net loans and leases to total assets | 74.1263% | 1,636 |
| Net loans and leases to deposits | 101.2802% | 517 |
| Net loans and leases to core deposits | 117.1212% | 602 |
| Total domestic deposits to total assets | 73.1893% | 6,984 |
| Equity capital to assets | 7.0775% | 7,087 |
| Core capital (leverage) ratio | 6.9252% | 7,060 |
| Tier 1 risk-based capital ratio | 10.4213% | 6,746 |
| Total risk-based capital ratio | 11.6743% | 6,723 |
| Memoranda: | ||
| Average total assets | $3,272,589,600 | 232 |
| Average earning assets | $3,113,315,800 | 221 |
| Average equity | $237,334,800 | 308 |
| Average total loans | $2,479,287,600 | 209 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 6,945 |
| Cost of funding earning assets | 1.3620% | 3,821 |
| Net interest margin | 2.9574% | 6,918 |
| Noninterest income to average assets | 0.5927% | 3,489 |
| Noninterest expense to average assets | 2.0281% | 6,997 |
| Loan and lease loss provision to assets | 0.2808% | 4,329 |
| Net operating income to assets | 0.7927% | 3,031 |
| Return on assets (ROA) | 0.8557% | 2,925 |
| Pretax return on assets | 1.1844% | 2,549 |
| Return on Equity (ROE) | 11.7241% | 1,582 |
| Retained earnings to average equity (ytd only) | 7.3108% | 1,696 |
| Net charge-offs to loans | 0.1748% | 4,918 |
| Credit loss provision to net charge-offs | 211.5744% | 1,659 |
| Earnings coverage of net charge-offs (x) | 10.3796% | 1,889 |
| Efficiency ratio | 59.5484% | 6,020 |
| Assets per employee ($millions) | 10.5758% | 230 |
| Cash dividends to net income (ytd only)* | 37.6430% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 5,416 |
| Loan loss allowance to noncurrent loans | 148.2871% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 5,801 |
| Noncurrent loans to loans | 0.8193% | 5,579 |
| Net loans and leases to total assets | 76.5141% | 1,310 |
| Net loans and leases to deposits | 100.9276% | 590 |
| Net loans and leases to core deposits | 119.0036% | 649 |
| Total domestic deposits to total assets | 75.8109% | 6,688 |
| Equity capital to assets | 7.3730% | 7,196 |
| Core capital (leverage) ratio | 6.9931% | 7,169 |
| Tier 1 risk-based capital ratio | 10.3599% | 6,856 |
| Total risk-based capital ratio | 11.6121% | 6,850 |
| Memoranda: | ||
| Average total assets | $3,228,517,000 | 229 |
| Average earning assets | $3,070,984,500 | 220 |
| Average equity | $235,645,000 | 305 |
| Average total loans | $2,451,743,500 | 208 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 7,000 |
| Cost of funding earning assets | 1.3937% | 3,915 |
| Net interest margin | 2.9354% | 6,958 |
| Noninterest income to average assets | 0.5939% | 3,382 |
| Noninterest expense to average assets | 2.0297% | 7,056 |
| Loan and lease loss provision to assets | 0.2681% | 4,244 |
| Net operating income to assets | 0.7844% | 3,049 |
| Return on assets (ROA) | 0.8580% | 2,845 |
| Pretax return on assets | 1.1888% | 2,449 |
| Return on Equity (ROE) | 11.7956% | 1,501 |
| Retained earnings to average equity (ytd only) | 6.2248% | 2,217 |
| Net charge-offs to loans | 0.2332% | 4,206 |
| Credit loss provision to net charge-offs | 152.4282% | 2,574 |
| Earnings coverage of net charge-offs (x) | 7.7037% | 2,252 |
| Efficiency ratio | 59.9713% | 6,051 |
| Assets per employee ($millions) | 9.8969% | 263 |
| Cash dividends to net income (ytd only)* | 47.2281% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 5,694 |
| Loan loss allowance to noncurrent loans | 197.0417% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 6,231 |
| Noncurrent loans to loans | 0.5831% | 6,083 |
| Net loans and leases to total assets | 77.1463% | 1,267 |
| Net loans and leases to deposits | 104.4834% | 464 |
| Net loans and leases to core deposits | 127.2235% | 478 |
| Total domestic deposits to total assets | 73.8359% | 6,993 |
| Equity capital to assets | 7.3670% | 7,188 |
| Core capital (leverage) ratio | 6.7605% | 7,302 |
| Tier 1 risk-based capital ratio | 10.3935% | 6,766 |
| Total risk-based capital ratio | 11.6449% | 6,756 |
| Memoranda: | ||
| Average total assets | $3,208,328,000 | 231 |
| Average earning assets | $3,049,965,670 | 222 |
| Average equity | $233,358,670 | 306 |
| Average total loans | $2,419,804,000 | 210 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 7,066 |
| Cost of funding earning assets | 1.4398% | 3,937 |
| Net interest margin | 2.9097% | 7,006 |
| Noninterest income to average assets | 0.5966% | 3,295 |
| Noninterest expense to average assets | 2.0337% | 7,099 |
| Loan and lease loss provision to assets | 0.2247% | 4,247 |
| Net operating income to assets | 0.7883% | 3,020 |
| Return on assets (ROA) | 0.8942% | 2,640 |
| Pretax return on assets | 1.2516% | 2,202 |
| Return on Equity (ROE) | 12.3735% | 1,397 |
| Retained earnings to average equity (ytd only) | 3.7364% | 3,915 |
| Net charge-offs to loans | 0.1749% | 3,874 |
| Credit loss provision to net charge-offs | 173.4104% | 2,092 |
| Earnings coverage of net charge-offs (x) | 10.2418% | 1,761 |
| Efficiency ratio | 60.5118% | 6,076 |
| Assets per employee ($millions) | 10.7830% | 215 |
| Cash dividends to net income (ytd only)* | 69.8032% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 5,618 |
| Loan loss allowance to noncurrent loans | 276.4399% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 6,604 |
| Noncurrent loans to loans | 0.4261% | 6,446 |
| Net loans and leases to total assets | 73.1829% | 2,155 |
| Net loans and leases to deposits | 97.5103% | 955 |
| Net loans and leases to core deposits | 122.4424% | 693 |
| Total domestic deposits to total assets | 75.0514% | 6,895 |
| Equity capital to assets | 7.2004% | 7,282 |
| Core capital (leverage) ratio | 6.6917% | 7,393 |
| Tier 1 risk-based capital ratio | 10.7724% | 6,372 |
| Total risk-based capital ratio | 12.0244% | 6,353 |
| Memoranda: | ||
| Average total assets | $3,204,245,500 | 241 |
| Average earning assets | $3,043,999,500 | 230 |
| Average equity | $231,558,500 | 310 |
| Average total loans | $2,374,582,500 | 217 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6472% | 7,218 |
| Cost of funding earning assets | 1.8661% | 3,644 |
| Net interest margin | 2.7810% | 7,091 |
| Noninterest income to average assets | 0.6132% | 3,529 |
| Noninterest expense to average assets | 2.1072% | 7,171 |
| Loan and lease loss provision to assets | 0.1573% | 6,101 |
| Net operating income to assets | 0.7309% | 2,811 |
| Return on assets (ROA) | 0.7861% | 2,671 |
| Pretax return on assets | 1.0699% | 2,344 |
| Return on Equity (ROE) | 10.7380% | 1,493 |
| Retained earnings to average equity (ytd only) | 6.2949% | 1,231 |
| Net charge-offs to loans | 0.1072% | 6,078 |
| Credit loss provision to net charge-offs | 193.9054% | 2,049 |
| Earnings coverage of net charge-offs (x) | 14.1953% | 1,387 |
| Efficiency ratio | 64.6631% | 5,652 |
| Assets per employee ($millions) | 10.5443% | 234 |
| Cash dividends to net income (ytd only)* | 41.3770% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,594 |
| Loan loss allowance to noncurrent loans | 327.8577% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 6,724 |
| Noncurrent loans to loans | 0.3534% | 6,567 |
| Net loans and leases to total assets | 73.3009% | 2,427 |
| Net loans and leases to deposits | 104.0410% | 644 |
| Net loans and leases to core deposits | 123.7419% | 1,657 |
| Total domestic deposits to total assets | 70.4539% | 7,382 |
| Equity capital to assets | 7.2531% | 7,235 |
| Core capital (leverage) ratio | 6.5365% | 7,476 |
| Tier 1 risk-based capital ratio | 10.7769% | 6,132 |
| Total risk-based capital ratio | 12.0277% | 6,106 |
| Memoranda: | ||
| Average total assets | $3,074,412,200 | 242 |
| Average earning assets | $2,924,651,400 | 231 |
| Average equity | $225,069,600 | 317 |
| Average total loans | $2,326,017,000 | 229 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7025% | 7,282 |
| Cost of funding earning assets | 1.9314% | 3,707 |
| Net interest margin | 2.7711% | 7,099 |
| Noninterest income to average assets | 0.6163% | 3,579 |
| Noninterest expense to average assets | 2.1373% | 7,117 |
| Loan and lease loss provision to assets | 0.1771% | 5,591 |
| Net operating income to assets | 0.6938% | 3,232 |
| Return on assets (ROA) | 0.7692% | 3,005 |
| Pretax return on assets | 1.0387% | 2,778 |
| Return on Equity (ROE) | 10.4812% | 1,769 |
| Retained earnings to average equity (ytd only) | 4.5182% | 2,748 |
| Net charge-offs to loans | 0.1115% | 5,563 |
| Credit loss provision to net charge-offs | 208.8751% | 2,113 |
| Earnings coverage of net charge-offs (x) | 13.1362% | 1,697 |
| Efficiency ratio | 65.7367% | 5,416 |
| Assets per employee ($millions) | 10.3598% | 243 |
| Cash dividends to net income (ytd only)* | 56.8925% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,499 |
| Loan loss allowance to noncurrent loans | 280.6165% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 6,647 |
| Noncurrent loans to loans | 0.4050% | 6,529 |
| Net loans and leases to total assets | 75.4300% | 2,116 |
| Net loans and leases to deposits | 103.8560% | 787 |
| Net loans and leases to core deposits | 129.2510% | 1,482 |
| Total domestic deposits to total assets | 72.6295% | 7,132 |
| Equity capital to assets | 7.2113% | 7,483 |
| Core capital (leverage) ratio | 6.8906% | 7,494 |
| Tier 1 risk-based capital ratio | 10.4453% | 6,530 |
| Total risk-based capital ratio | 11.6969% | 6,474 |
| Memoranda: | ||
| Average total assets | $3,046,918,750 | 254 |
| Average earning assets | $2,897,296,750 | 243 |
| Average equity | $223,595,000 | 331 |
| Average total loans | $2,317,134,500 | 238 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 7,272 |
| Cost of funding earning assets | 1.9700% | 3,914 |
| Net interest margin | 2.8016% | 7,007 |
| Noninterest income to average assets | 0.6158% | 3,564 |
| Noninterest expense to average assets | 2.1898% | 7,082 |
| Loan and lease loss provision to assets | 0.2327% | 4,723 |
| Net operating income to assets | 0.6453% | 3,486 |
| Return on assets (ROA) | 0.7575% | 3,124 |
| Pretax return on assets | 1.0035% | 2,999 |
| Return on Equity (ROE) | 10.2610% | 1,925 |
| Retained earnings to average equity (ytd only) | 10.2610% | 677 |
| Net charge-offs to loans | 0.1214% | 4,949 |
| Credit loss provision to net charge-offs | 252.3707% | 1,846 |
| Earnings coverage of net charge-offs (x) | 11.7852% | 1,873 |
| Efficiency ratio | 66.8371% | 5,399 |
| Assets per employee ($millions) | 9.8316% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,215 |
| Loan loss allowance to noncurrent loans | 263.1059% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 6,549 |
| Noncurrent loans to loans | 0.4401% | 6,422 |
| Net loans and leases to total assets | 75.7683% | 2,238 |
| Net loans and leases to deposits | 105.6496% | 786 |
| Net loans and leases to core deposits | 130.7400% | 1,500 |
| Total domestic deposits to total assets | 71.7166% | 7,275 |
| Equity capital to assets | 7.4463% | 7,313 |
| Core capital (leverage) ratio | 7.3368% | 7,202 |
| Tier 1 risk-based capital ratio | 10.7393% | 6,150 |
| Total risk-based capital ratio | 11.9912% | 6,082 |
| Memoranda: | ||
| Average total assets | $3,019,674,330 | 261 |
| Average earning assets | $2,867,641,330 | 251 |
| Average equity | $222,921,670 | 333 |
| Average total loans | $2,293,821,670 | 249 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 7,296 |
| Cost of funding earning assets | 2.0201% | 4,032 |
| Net interest margin | 2.8265% | 6,937 |
| Noninterest income to average assets | 0.6288% | 3,357 |
| Noninterest expense to average assets | 2.0932% | 7,128 |
| Loan and lease loss provision to assets | 0.1621% | 4,862 |
| Net operating income to assets | 0.7676% | 3,266 |
| Return on assets (ROA) | 0.8905% | 2,887 |
| Pretax return on assets | 1.2232% | 2,543 |
| Return on Equity (ROE) | 12.1155% | 1,626 |
| Retained earnings to average equity (ytd only) | 12.1155% | 768 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2370% | 5,827 |
| Assets per employee ($millions) | 9.5488% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 5,064 |
| Loan loss allowance to noncurrent loans | 518.5178% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 6,909 |
| Noncurrent loans to loans | 0.2234% | 6,895 |
| Net loans and leases to total assets | 76.6216% | 2,137 |
| Net loans and leases to deposits | 111.8017% | 532 |
| Net loans and leases to core deposits | 130.6246% | 1,622 |
| Total domestic deposits to total assets | 68.5335% | 7,556 |
| Equity capital to assets | 7.6781% | 7,197 |
| Core capital (leverage) ratio | 7.0843% | 7,576 |
| Tier 1 risk-based capital ratio | 10.8002% | 6,097 |
| Total risk-based capital ratio | 12.0521% | 5,993 |
| Memoranda: | ||
| Average total assets | $3,000,703,000 | 268 |
| Average earning assets | $2,846,647,000 | 254 |
| Average equity | $220,543,500 | 339 |
| Average total loans | $2,268,810,000 | 255 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2790% | 7,622 |
| Cost of funding earning assets | 2.5128% | 4,140 |
| Net interest margin | 2.7662% | 7,385 |
| Noninterest income to average assets | 0.6921% | 3,169 |
| Noninterest expense to average assets | 2.0243% | 7,397 |
| Loan and lease loss provision to assets | 0.2128% | 4,765 |
| Net operating income to assets | 0.8260% | 3,331 |
| Return on assets (ROA) | 0.8400% | 3,103 |
| Pretax return on assets | 1.0767% | 3,114 |
| Return on Equity (ROE) | 12.3830% | 1,488 |
| Retained earnings to average equity (ytd only) | 12.3830% | 202 |
| Net charge-offs to loans | 0.1834% | 4,364 |
| Credit loss provision to net charge-offs | 155.5445% | 3,357 |
| Earnings coverage of net charge-offs (x) | 9.2935% | 2,713 |
| Efficiency ratio | 61.4202% | 6,070 |
| Assets per employee ($millions) | 10.1969% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 5,280 |
| Loan loss allowance to noncurrent loans | 610.6907% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 6,731 |
| Noncurrent loans to loans | 0.1803% | 6,848 |
| Net loans and leases to total assets | 72.9843% | 3,360 |
| Net loans and leases to deposits | 107.9807% | 978 |
| Net loans and leases to core deposits | 119.1670% | 2,774 |
| Total domestic deposits to total assets | 67.5901% | 7,507 |
| Equity capital to assets | 7.0382% | 7,717 |
| Core capital (leverage) ratio | 6.7853% | 7,824 |
| Tier 1 risk-based capital ratio | 10.3186% | 6,398 |
| Total risk-based capital ratio | 11.5694% | 6,272 |
| Memoranda: | ||
| Average total assets | $2,926,494,400 | 260 |
| Average earning assets | $2,754,613,400 | 253 |
| Average equity | $198,513,400 | 378 |
| Average total loans | $2,183,232,600 | 256 |