Home > Cadence Bank, N.A. > Performance and Condition Ratios
Cadence Bank, N.A., Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3379% | 3,287 |
| Cost of funding earning assets | 0.1561% | 4,055 |
| Net interest margin | 3.1818% | 2,786 |
| Noninterest income to average assets | 0.8139% | 1,480 |
| Noninterest expense to average assets | 2.1835% | 3,125 |
| Loan and lease loss provision to assets | -0.9032% | 4,905 |
| Net operating income to assets | 1.9440% | 511 |
| Return on assets (ROA) | 2.1350% | 391 |
| Pretax return on assets | 2.7659% | 240 |
| Return on Equity (ROE) | 18.6172% | 558 |
| Retained earnings to average equity (ytd only) | 4.7895% | 3,294 |
| Net charge-offs to loans | 0.2247% | 369 |
| Credit loss provision to net charge-offs | -623.1218% | 3,715 |
| Earnings coverage of net charge-offs (x) | 11.3059% | 2,005 |
| Efficiency ratio | 54.7142% | 3,701 |
| Assets per employee ($millions) | 10.9462% | 481 |
| Cash dividends to net income (ytd only)* | 74.2738% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 778 |
| Loan loss allowance to noncurrent loans | 210.4483% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 1,404 |
| Noncurrent loans to loans | 0.9016% | 1,278 |
| Net loans and leases to total assets | 57.5351% | 2,552 |
| Net loans and leases to deposits | 65.6454% | 2,664 |
| Net loans and leases to core deposits | 69.2219% | 2,664 |
| Total domestic deposits to total assets | 87.6453% | 2,034 |
| Equity capital to assets | 10.9881% | 2,026 |
| Core capital (leverage) ratio | 11.2690% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5134% | 1,790 |
| Memoranda: | ||
| Average total assets | $18,975,860,750 | 106 |
| Average earning assets | $17,835,668,750 | 103 |
| Average equity | $2,176,098,250 | 107 |
| Average total loans | $12,105,643,750 | 100 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 3,046 |
| Cost of funding earning assets | 0.1743% | 3,999 |
| Net interest margin | 3.2675% | 2,556 |
| Noninterest income to average assets | 0.8400% | 1,424 |
| Noninterest expense to average assets | 2.0892% | 3,416 |
| Loan and lease loss provision to assets | -1.0697% | 4,943 |
| Net operating income to assets | 2.2353% | 320 |
| Return on assets (ROA) | 2.3290% | 290 |
| Pretax return on assets | 3.0092% | 189 |
| Return on Equity (ROE) | 20.0155% | 457 |
| Retained earnings to average equity (ytd only) | 10.7724% | 1,179 |
| Net charge-offs to loans | 0.3392% | 256 |
| Credit loss provision to net charge-offs | -473.2911% | 3,451 |
| Earnings coverage of net charge-offs (x) | 8.1824% | 1,890 |
| Efficiency ratio | 50.7486% | 4,169 |
| Assets per employee ($millions) | 10.2836% | 567 |
| Cash dividends to net income (ytd only)* | 46.1794% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1229% | 484 |
| Loan loss allowance to noncurrent loans | 200.5862% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 1,205 |
| Noncurrent loans to loans | 1.0583% | 1,154 |
| Net loans and leases to total assets | 61.1620% | 2,287 |
| Net loans and leases to deposits | 70.9994% | 2,307 |
| Net loans and leases to core deposits | 75.1381% | 2,316 |
| Total domestic deposits to total assets | 86.1443% | 2,689 |
| Equity capital to assets | 12.0136% | 1,356 |
| Core capital (leverage) ratio | 11.6000% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2405% | 1,550 |
| Memoranda: | ||
| Average total assets | $18,722,510,333 | 106 |
| Average earning assets | $17,591,194,333 | 103 |
| Average equity | $2,178,596,000 | 107 |
| Average total loans | $12,282,629,333 | 99 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 2,875 |
| Cost of funding earning assets | 0.1963% | 3,945 |
| Net interest margin | 3.3189% | 2,335 |
| Noninterest income to average assets | 0.7880% | 1,615 |
| Noninterest expense to average assets | 2.0538% | 3,552 |
| Loan and lease loss provision to assets | -1.0298% | 4,957 |
| Net operating income to assets | 2.2340% | 391 |
| Return on assets (ROA) | 2.3431% | 369 |
| Pretax return on assets | 3.0186% | 231 |
| Return on Equity (ROE) | 20.4664% | 504 |
| Retained earnings to average equity (ytd only) | 1.8282% | 4,047 |
| Net charge-offs to loans | 0.3847% | 214 |
| Credit loss provision to net charge-offs | -388.2970% | 3,111 |
| Earnings coverage of net charge-offs (x) | 7.1639% | 1,626 |
| Efficiency ratio | 49.8740% | 4,191 |
| Assets per employee ($millions) | 10.4688% | 518 |
| Cash dividends to net income (ytd only)* | 91.0672% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4818% | 267 |
| Loan loss allowance to noncurrent loans | 240.3122% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 1,312 |
| Noncurrent loans to loans | 1.0327% | 1,297 |
| Net loans and leases to total assets | 64.4119% | 1,993 |
| Net loans and leases to deposits | 74.1947% | 2,095 |
| Net loans and leases to core deposits | 78.9398% | 2,098 |
| Total domestic deposits to total assets | 86.8148% | 2,386 |
| Equity capital to assets | 11.2180% | 1,712 |
| Core capital (leverage) ratio | 10.9922% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7613% | 1,651 |
| Memoranda: | ||
| Average total assets | $18,746,280,500 | 106 |
| Average earning assets | $17,603,796,000 | 103 |
| Average equity | $2,146,128,000 | 108 |
| Average total loans | $12,589,088,500 | 99 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2009% | 2,133 |
| Cost of funding earning assets | 0.4622% | 3,204 |
| Net interest margin | 3.7387% | 1,670 |
| Noninterest income to average assets | 1.6409% | 466 |
| Noninterest expense to average assets | 4.5085% | 255 |
| Loan and lease loss provision to assets | 1.5283% | 41 |
| Net operating income to assets | -1.0995% | 4,939 |
| Return on assets (ROA) | -1.0618% | 4,937 |
| Pretax return on assets | -0.8792% | 4,918 |
| Return on Equity (ROE) | -8.5491% | 4,933 |
| Retained earnings to average equity (ytd only) | -17.0376% | 4,952 |
| Net charge-offs to loans | 0.7976% | 180 |
| Credit loss provision to net charge-offs | 262.0227% | 1,879 |
| Earnings coverage of net charge-offs (x) | 1.0482% | 3,286 |
| Efficiency ratio | 38.1130% | 4,906 |
| Assets per employee ($millions) | 10.3435% | 479 |
| Cash dividends to net income (ytd only)* | -99.2898% | 4,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8760% | 161 |
| Loan loss allowance to noncurrent loans | 241.4605% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 1,196 |
| Noncurrent loans to loans | 1.1911% | 1,186 |
| Net loans and leases to total assets | 66.3011% | 2,047 |
| Net loans and leases to deposits | 76.4042% | 2,240 |
| Net loans and leases to core deposits | 81.9253% | 2,199 |
| Total domestic deposits to total assets | 86.7768% | 2,046 |
| Equity capital to assets | 11.6797% | 1,745 |
| Core capital (leverage) ratio | 11.2900% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8887% | 1,569 |
| Memoranda: | ||
| Average total assets | $18,193,227,200 | 100 |
| Average earning assets | $16,928,868,800 | 98 |
| Average equity | $2,259,606,600 | 104 |
| Average total loans | $13,305,049,600 | 93 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 2,123 |
| Cost of funding earning assets | 0.5369% | 3,010 |
| Net interest margin | 3.7557% | 1,743 |
| Noninterest income to average assets | 0.7021% | 1,797 |
| Noninterest expense to average assets | 5.2967% | 167 |
| Loan and lease loss provision to assets | 2.0311% | 36 |
| Net operating income to assets | -2.9467% | 5,006 |
| Return on assets (ROA) | -2.9274% | 5,006 |
| Pretax return on assets | -3.1157% | 5,007 |
| Return on Equity (ROE) | -23.2117% | 5,004 |
| Retained earnings to average equity (ytd only) | -33.1483% | 5,007 |
| Net charge-offs to loans | 0.8426% | 160 |
| Credit loss provision to net charge-offs | 324.0469% | 1,687 |
| Earnings coverage of net charge-offs (x) | -1.7632% | 3,166 |
| Efficiency ratio | 45.3644% | 4,741 |
| Assets per employee ($millions) | 10.2967% | 461 |
| Cash dividends to net income (ytd only)* | -42.8086% | 5,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8508% | 161 |
| Loan loss allowance to noncurrent loans | 196.2813% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0899% | 967 |
| Noncurrent loans to loans | 1.4524% | 991 |
| Net loans and leases to total assets | 71.3809% | 1,760 |
| Net loans and leases to deposits | 82.3261% | 2,064 |
| Net loans and leases to core deposits | 88.2762% | 2,120 |
| Total domestic deposits to total assets | 86.7051% | 1,771 |
| Equity capital to assets | 11.6523% | 1,905 |
| Core capital (leverage) ratio | 10.3296% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9566% | 2,220 |
| Memoranda: | ||
| Average total assets | $18,066,279,750 | 100 |
| Average earning assets | $16,785,626,000 | 98 |
| Average equity | $2,278,454,250 | 99 |
| Average total loans | $13,439,775,250 | 92 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 2,068 |
| Cost of funding earning assets | 0.6544% | 2,667 |
| Net interest margin | 3.7984% | 1,838 |
| Noninterest income to average assets | 0.6918% | 1,771 |
| Noninterest expense to average assets | 6.9502% | 110 |
| Loan and lease loss provision to assets | 2.6983% | 34 |
| Net operating income to assets | -5.0365% | 5,051 |
| Return on assets (ROA) | -5.0018% | 5,051 |
| Pretax return on assets | -5.4044% | 5,052 |
| Return on Equity (ROE) | -38.6557% | 5,050 |
| Retained earnings to average equity (ytd only) | -51.3796% | 5,050 |
| Net charge-offs to loans | 0.9697% | 153 |
| Credit loss provision to net charge-offs | 372.4706% | 1,469 |
| Earnings coverage of net charge-offs (x) | -3.7870% | 2,973 |
| Efficiency ratio | 44.8001% | 4,782 |
| Assets per employee ($millions) | 10.5091% | 439 |
| Cash dividends to net income (ytd only)* | -32.9161% | 5,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6999% | 183 |
| Loan loss allowance to noncurrent loans | 163.0291% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2350% | 872 |
| Noncurrent loans to loans | 1.6561% | 883 |
| Net loans and leases to total assets | 70.8988% | 1,891 |
| Net loans and leases to deposits | 82.4231% | 2,162 |
| Net loans and leases to core deposits | 88.3690% | 2,212 |
| Total domestic deposits to total assets | 86.0181% | 2,002 |
| Equity capital to assets | 11.3002% | 2,122 |
| Core capital (leverage) ratio | 9.9735% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6504% | 2,337 |
| Memoranda: | ||
| Average total assets | $17,954,965,000 | 100 |
| Average earning assets | $16,615,646,000 | 99 |
| Average equity | $2,323,255,333 | 96 |
| Average total loans | $13,413,148,333 | 93 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8033% | 1,408 |
| Cost of funding earning assets | 0.8861% | 1,943 |
| Net interest margin | 3.9173% | 1,614 |
| Noninterest income to average assets | 0.7554% | 1,448 |
| Noninterest expense to average assets | 12.2636% | 61 |
| Loan and lease loss provision to assets | 1.9063% | 75 |
| Net operating income to assets | -9.1144% | 5,103 |
| Return on assets (ROA) | -9.0626% | 5,102 |
| Pretax return on assets | -9.7669% | 5,103 |
| Return on Equity (ROE) | -65.5663% | 5,109 |
| Retained earnings to average equity (ytd only) | -86.3635% | 5,104 |
| Net charge-offs to loans | 0.9806% | 156 |
| Credit loss provision to net charge-offs | 256.8311% | 1,269 |
| Earnings coverage of net charge-offs (x) | -10.6654% | 2,534 |
| Efficiency ratio | 45.9505% | 4,833 |
| Assets per employee ($millions) | 9.3508% | 467 |
| Cash dividends to net income (ytd only)* | -31.7194% | 5,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 683 |
| Loan loss allowance to noncurrent loans | 151.7114% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9675% | 1,372 |
| Noncurrent loans to loans | 1.2036% | 1,358 |
| Net loans and leases to total assets | 76.5089% | 1,215 |
| Net loans and leases to deposits | 90.1359% | 1,494 |
| Net loans and leases to core deposits | 98.0811% | 1,618 |
| Total domestic deposits to total assets | 84.8817% | 2,452 |
| Equity capital to assets | 12.8271% | 1,536 |
| Core capital (leverage) ratio | 10.6452% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2097% | 2,615 |
| Memoranda: | ||
| Average total assets | $17,505,755,500 | 100 |
| Average earning assets | $16,051,732,500 | 98 |
| Average equity | $2,419,652,500 | 90 |
| Average total loans | $13,250,858,500 | 91 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6945% | 404 |
| Cost of funding earning assets | 1.2738% | 828 |
| Net interest margin | 4.4207% | 860 |
| Noninterest income to average assets | 0.7575% | 1,598 |
| Noninterest expense to average assets | 2.3702% | 3,770 |
| Loan and lease loss provision to assets | 0.6668% | 171 |
| Net operating income to assets | 1.3306% | 1,575 |
| Return on assets (ROA) | 1.3509% | 1,581 |
| Pretax return on assets | 1.7559% | 1,055 |
| Return on Equity (ROE) | 9.4264% | 2,557 |
| Retained earnings to average equity (ytd only) | 3.9405% | 2,995 |
| Net charge-offs to loans | 0.6661% | 260 |
| Credit loss provision to net charge-offs | 129.4594% | 1,975 |
| Earnings coverage of net charge-offs (x) | 4.6542% | 3,188 |
| Efficiency ratio | 46.7123% | 4,887 |
| Assets per employee ($millions) | 9.6149% | 396 |
| Cash dividends to net income (ytd only)* | 58.1972% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 3,897 |
| Loan loss allowance to noncurrent loans | 83.7250% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 1,538 |
| Noncurrent loans to loans | 1.0932% | 1,382 |
| Net loans and leases to total assets | 72.8521% | 1,942 |
| Net loans and leases to deposits | 87.4576% | 1,918 |
| Net loans and leases to core deposits | 92.7099% | 2,186 |
| Total domestic deposits to total assets | 83.2999% | 3,106 |
| Equity capital to assets | 14.7865% | 853 |
| Core capital (leverage) ratio | 11.3237% | 2,230 |
| Tier 1 risk-based capital ratio | 12.6135% | 4,002 |
| Total risk-based capital ratio | 13.5573% | 4,049 |
| Memoranda: | ||
| Average total assets | $16,651,847,400 | 95 |
| Average earning assets | $15,103,855,200 | 94 |
| Average equity | $2,386,296,800 | 88 |
| Average total loans | $12,874,860,800 | 85 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8522% | 320 |
| Cost of funding earning assets | 1.3407% | 692 |
| Net interest margin | 4.5115% | 750 |
| Noninterest income to average assets | 0.7620% | 1,553 |
| Noninterest expense to average assets | 2.4124% | 3,645 |
| Loan and lease loss provision to assets | 0.6833% | 156 |
| Net operating income to assets | 1.3587% | 1,621 |
| Return on assets (ROA) | 1.3820% | 1,594 |
| Pretax return on assets | 1.7924% | 1,112 |
| Return on Equity (ROE) | 9.7278% | 2,549 |
| Retained earnings to average equity (ytd only) | 3.7908% | 3,500 |
| Net charge-offs to loans | 0.5250% | 320 |
| Credit loss provision to net charge-offs | 166.1209% | 1,517 |
| Earnings coverage of net charge-offs (x) | 5.9468% | 2,874 |
| Efficiency ratio | 46.6371% | 4,910 |
| Assets per employee ($millions) | 9.8019% | 372 |
| Cash dividends to net income (ytd only)* | 61.0309% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 3,907 |
| Loan loss allowance to noncurrent loans | 96.3619% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.7806% | 1,761 |
| Noncurrent loans to loans | 0.9691% | 1,654 |
| Net loans and leases to total assets | 75.9387% | 1,496 |
| Net loans and leases to deposits | 91.1699% | 1,547 |
| Net loans and leases to core deposits | 99.1040% | 1,734 |
| Total domestic deposits to total assets | 83.2936% | 3,068 |
| Equity capital to assets | 14.7639% | 914 |
| Core capital (leverage) ratio | 11.2752% | 2,401 |
| Tier 1 risk-based capital ratio | 11.9935% | 4,418 |
| Total risk-based capital ratio | 12.9553% | 4,468 |
| Memoranda: | ||
| Average total assets | $16,370,306,000 | 98 |
| Average earning assets | $14,865,211,000 | 96 |
| Average equity | $2,325,686,250 | 88 |
| Average total loans | $12,825,750,000 | 86 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0771% | 208 |
| Cost of funding earning assets | 1.3880% | 562 |
| Net interest margin | 4.6891% | 502 |
| Noninterest income to average assets | 0.7701% | 1,441 |
| Noninterest expense to average assets | 2.5589% | 3,308 |
| Loan and lease loss provision to assets | 0.5056% | 229 |
| Net operating income to assets | 1.5220% | 1,087 |
| Return on assets (ROA) | 1.5394% | 1,087 |
| Pretax return on assets | 1.9975% | 678 |
| Return on Equity (ROE) | 10.9970% | 1,975 |
| Retained earnings to average equity (ytd only) | 6.2315% | 2,178 |
| Net charge-offs to loans | 0.3057% | 560 |
| Credit loss provision to net charge-offs | 209.3797% | 1,163 |
| Earnings coverage of net charge-offs (x) | 10.2754% | 2,277 |
| Efficiency ratio | 47.7825% | 4,908 |
| Assets per employee ($millions) | 9.6798% | 371 |
| Cash dividends to net income (ytd only)* | 43.3341% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 4,294 |
| Loan loss allowance to noncurrent loans | 82.3422% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.8459% | 1,667 |
| Noncurrent loans to loans | 1.0245% | 1,598 |
| Net loans and leases to total assets | 77.5965% | 1,292 |
| Net loans and leases to deposits | 93.2962% | 1,337 |
| Net loans and leases to core deposits | 104.2643% | 1,363 |
| Total domestic deposits to total assets | 83.1722% | 3,151 |
| Equity capital to assets | 14.8781% | 848 |
| Core capital (leverage) ratio | 11.2733% | 2,350 |
| Tier 1 risk-based capital ratio | 11.9678% | 4,437 |
| Total risk-based capital ratio | 12.8433% | 4,529 |
| Memoranda: | ||
| Average total assets | $15,877,309,670 | 100 |
| Average earning assets | $14,458,253,330 | 99 |
| Average equity | $2,222,500,000 | 95 |
| Average total loans | $12,540,235,330 | 89 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4469% | 121 |
| Cost of funding earning assets | 1.4055% | 449 |
| Net interest margin | 5.0414% | 268 |
| Noninterest income to average assets | 0.7622% | 1,388 |
| Noninterest expense to average assets | 2.7634% | 2,693 |
| Loan and lease loss provision to assets | 0.2973% | 437 |
| Net operating income to assets | 1.7900% | 585 |
| Return on assets (ROA) | 1.8078% | 590 |
| Pretax return on assets | 2.3328% | 335 |
| Return on Equity (ROE) | 13.4029% | 1,110 |
| Retained earnings to average equity (ytd only) | 8.3679% | 1,527 |
| Net charge-offs to loans | 0.0184% | 2,101 |
| Credit loss provision to net charge-offs | 2,038.1818% | 216 |
| Earnings coverage of net charge-offs (x) | 178.7418% | 429 |
| Efficiency ratio | 48.4508% | 4,923 |
| Assets per employee ($millions) | 9.5747% | 391 |
| Cash dividends to net income (ytd only)* | 37.5664% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 4,637 |
| Loan loss allowance to noncurrent loans | 88.3058% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 1,925 |
| Noncurrent loans to loans | 0.8598% | 1,920 |
| Net loans and leases to total assets | 78.7001% | 1,039 |
| Net loans and leases to deposits | 95.9485% | 967 |
| Net loans and leases to core deposits | 107.1998% | 1,089 |
| Total domestic deposits to total assets | 82.0232% | 3,721 |
| Equity capital to assets | 14.1847% | 977 |
| Core capital (leverage) ratio | 11.0566% | 2,522 |
| Tier 1 risk-based capital ratio | 11.4857% | 4,754 |
| Total risk-based capital ratio | 12.2795% | 4,863 |
| Memoranda: | ||
| Average total assets | $15,079,955,000 | 105 |
| Average earning assets | $13,786,290,000 | 103 |
| Average equity | $2,034,001,500 | 103 |
| Average total loans | $11,973,842,000 | 92 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8189% | 1,504 |
| Cost of funding earning assets | 1.0093% | 725 |
| Net interest margin | 3.8096% | 2,633 |
| Noninterest income to average assets | 0.7448% | 1,670 |
| Noninterest expense to average assets | 2.1439% | 4,462 |
| Loan and lease loss provision to assets | 0.1101% | 1,995 |
| Net operating income to assets | 1.5964% | 876 |
| Return on assets (ROA) | 1.5989% | 857 |
| Pretax return on assets | 2.0072% | 559 |
| Return on Equity (ROE) | 12.0748% | 1,689 |
| Retained earnings to average equity (ytd only) | 8.1799% | 1,160 |
| Net charge-offs to loans | 0.0647% | 2,198 |
| Credit loss provision to net charge-offs | 215.3272% | 1,347 |
| Earnings coverage of net charge-offs (x) | 41.3513% | 1,279 |
| Efficiency ratio | 49.7983% | 4,955 |
| Assets per employee ($millions) | 10.8674% | 274 |
| Cash dividends to net income (ytd only)* | 32.2560% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 4,030 |
| Loan loss allowance to noncurrent loans | 118.4047% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 2,004 |
| Noncurrent loans to loans | 0.7881% | 2,037 |
| Net loans and leases to total assets | 78.7976% | 1,138 |
| Net loans and leases to deposits | 92.4485% | 1,489 |
| Net loans and leases to core deposits | 107.6316% | 1,147 |
| Total domestic deposits to total assets | 85.2340% | 2,538 |
| Equity capital to assets | 12.5323% | 1,567 |
| Core capital (leverage) ratio | 11.0741% | 2,455 |
| Tier 1 risk-based capital ratio | 11.1431% | 4,896 |
| Total risk-based capital ratio | 12.1479% | 4,907 |
| Memoranda: | ||
| Average total assets | $11,535,685,200 | 123 |
| Average earning assets | $10,638,709,200 | 121 |
| Average equity | $1,527,506,400 | 120 |
| Average total loans | $9,122,416,400 | 110 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 1,558 |
| Cost of funding earning assets | 0.9144% | 869 |
| Net interest margin | 3.8321% | 2,521 |
| Noninterest income to average assets | 0.7963% | 1,484 |
| Noninterest expense to average assets | 2.0772% | 4,595 |
| Loan and lease loss provision to assets | 0.0507% | 2,973 |
| Net operating income to assets | 1.7786% | 626 |
| Return on assets (ROA) | 1.7605% | 651 |
| Pretax return on assets | 2.1779% | 410 |
| Return on Equity (ROE) | 13.0970% | 1,395 |
| Retained earnings to average equity (ytd only) | 9.3292% | 1,105 |
| Net charge-offs to loans | 0.0857% | 1,652 |
| Credit loss provision to net charge-offs | 75.0132% | 2,583 |
| Earnings coverage of net charge-offs (x) | 33.2753% | 1,517 |
| Efficiency ratio | 47.4160% | 5,079 |
| Assets per employee ($millions) | 10.0443% | 327 |
| Cash dividends to net income (ytd only)* | 28.7684% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 4,233 |
| Loan loss allowance to noncurrent loans | 142.5279% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 2,251 |
| Noncurrent loans to loans | 0.6369% | 2,491 |
| Net loans and leases to total assets | 80.0256% | 1,015 |
| Net loans and leases to deposits | 96.7623% | 1,071 |
| Net loans and leases to core deposits | 109.9861% | 1,033 |
| Total domestic deposits to total assets | 82.7033% | 3,402 |
| Equity capital to assets | 13.1770% | 1,263 |
| Core capital (leverage) ratio | 11.5515% | 2,137 |
| Tier 1 risk-based capital ratio | 11.5932% | 4,738 |
| Total risk-based capital ratio | 12.5827% | 4,775 |
| Memoranda: | ||
| Average total assets | $11,240,891,000 | 124 |
| Average earning assets | $10,359,877,500 | 121 |
| Average equity | $1,511,015,750 | 117 |
| Average total loans | $8,874,674,500 | 112 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 1,627 |
| Cost of funding earning assets | 0.8205% | 1,042 |
| Net interest margin | 3.8345% | 2,431 |
| Noninterest income to average assets | 0.7884% | 1,504 |
| Noninterest expense to average assets | 2.1128% | 4,575 |
| Loan and lease loss provision to assets | 0.1019% | 1,907 |
| Net operating income to assets | 1.7542% | 645 |
| Return on assets (ROA) | 1.7255% | 691 |
| Pretax return on assets | 2.0668% | 517 |
| Return on Equity (ROE) | 12.7473% | 1,461 |
| Retained earnings to average equity (ytd only) | 9.0562% | 1,196 |
| Net charge-offs to loans | 0.0600% | 1,748 |
| Credit loss provision to net charge-offs | 217.1220% | 1,230 |
| Earnings coverage of net charge-offs (x) | 46.9250% | 1,172 |
| Efficiency ratio | 48.3425% | 5,103 |
| Assets per employee ($millions) | 9.6398% | 358 |
| Cash dividends to net income (ytd only)* | 28.9561% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,800 |
| Loan loss allowance to noncurrent loans | 172.2912% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 2,357 |
| Noncurrent loans to loans | 0.5838% | 2,670 |
| Net loans and leases to total assets | 78.9379% | 1,171 |
| Net loans and leases to deposits | 93.9058% | 1,368 |
| Net loans and leases to core deposits | 107.6510% | 1,138 |
| Total domestic deposits to total assets | 84.0607% | 3,045 |
| Equity capital to assets | 13.4569% | 1,119 |
| Core capital (leverage) ratio | 11.6210% | 1,968 |
| Tier 1 risk-based capital ratio | 11.7687% | 4,641 |
| Total risk-based capital ratio | 12.8526% | 4,618 |
| Memoranda: | ||
| Average total assets | $11,070,583,670 | 123 |
| Average earning assets | $10,185,005,000 | 121 |
| Average equity | $1,498,508,000 | 115 |
| Average total loans | $8,669,364,000 | 114 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 1,888 |
| Cost of funding earning assets | 0.7002% | 1,444 |
| Net interest margin | 3.7944% | 2,450 |
| Noninterest income to average assets | 0.8242% | 1,380 |
| Noninterest expense to average assets | 2.1487% | 4,538 |
| Loan and lease loss provision to assets | 0.1599% | 1,128 |
| Net operating income to assets | 1.5595% | 933 |
| Return on assets (ROA) | 1.5627% | 940 |
| Pretax return on assets | 2.0052% | 566 |
| Return on Equity (ROE) | 11.5104% | 1,763 |
| Retained earnings to average equity (ytd only) | 8.0275% | 1,821 |
| Net charge-offs to loans | 0.0197% | 2,103 |
| Credit loss provision to net charge-offs | 1,045.3461% | 329 |
| Earnings coverage of net charge-offs (x) | 141.2768% | 459 |
| Efficiency ratio | 49.2173% | 5,124 |
| Assets per employee ($millions) | 9.4830% | 377 |
| Cash dividends to net income (ytd only)* | 30.2591% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,637 |
| Loan loss allowance to noncurrent loans | 139.2028% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 1,998 |
| Noncurrent loans to loans | 0.7572% | 2,308 |
| Net loans and leases to total assets | 78.2504% | 1,204 |
| Net loans and leases to deposits | 93.3731% | 1,293 |
| Net loans and leases to core deposits | 107.6479% | 1,147 |
| Total domestic deposits to total assets | 83.8041% | 3,402 |
| Equity capital to assets | 13.5409% | 1,033 |
| Core capital (leverage) ratio | 11.5613% | 1,966 |
| Tier 1 risk-based capital ratio | 11.8025% | 4,683 |
| Total risk-based capital ratio | 12.9331% | 4,642 |
| Memoranda: | ||
| Average total assets | $10,956,969,500 | 123 |
| Average earning assets | $10,064,631,000 | 120 |
| Average equity | $1,487,595,000 | 116 |
| Average total loans | $8,499,609,500 | 115 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 2,338 |
| Cost of funding earning assets | 0.5771% | 1,767 |
| Net interest margin | 3.7209% | 2,718 |
| Noninterest income to average assets | 0.8929% | 1,292 |
| Noninterest expense to average assets | 2.2069% | 4,513 |
| Loan and lease loss provision to assets | 0.0965% | 2,280 |
| Net operating income to assets | 1.1237% | 1,779 |
| Return on assets (ROA) | 1.1228% | 1,809 |
| Pretax return on assets | 1.9940% | 496 |
| Return on Equity (ROE) | 8.0335% | 2,777 |
| Retained earnings to average equity (ytd only) | 7.2533% | 998 |
| Net charge-offs to loans | 0.0565% | 2,677 |
| Credit loss provision to net charge-offs | 219.9006% | 1,247 |
| Earnings coverage of net charge-offs (x) | 47.6673% | 1,126 |
| Efficiency ratio | 50.3355% | 5,202 |
| Assets per employee ($millions) | 9.3923% | 392 |
| Cash dividends to net income (ytd only)* | 9.7120% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 3,607 |
| Loan loss allowance to noncurrent loans | 136.3326% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 1,941 |
| Noncurrent loans to loans | 0.7726% | 2,280 |
| Net loans and leases to total assets | 75.2535% | 1,714 |
| Net loans and leases to deposits | 89.7541% | 1,806 |
| Net loans and leases to core deposits | 103.0038% | 1,486 |
| Total domestic deposits to total assets | 83.8441% | 3,264 |
| Equity capital to assets | 13.6126% | 1,016 |
| Core capital (leverage) ratio | 11.6689% | 1,816 |
| Tier 1 risk-based capital ratio | 11.9591% | 4,559 |
| Total risk-based capital ratio | 13.0883% | 4,522 |
| Memoranda: | ||
| Average total assets | $10,087,415,800 | 120 |
| Average earning assets | $9,233,693,000 | 120 |
| Average equity | $1,409,867,400 | 116 |
| Average total loans | $7,837,465,200 | 116 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 2,417 |
| Cost of funding earning assets | 0.5481% | 1,909 |
| Net interest margin | 3.7057% | 2,737 |
| Noninterest income to average assets | 0.9006% | 1,270 |
| Noninterest expense to average assets | 2.1639% | 4,606 |
| Loan and lease loss provision to assets | 0.1918% | 1,007 |
| Net operating income to assets | 1.2833% | 1,394 |
| Return on assets (ROA) | 1.2818% | 1,427 |
| Pretax return on assets | 1.9355% | 627 |
| Return on Equity (ROE) | 9.1057% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.4583% | 1,033 |
| Net charge-offs to loans | 0.0296% | 2,834 |
| Credit loss provision to net charge-offs | 829.5388% | 423 |
| Earnings coverage of net charge-offs (x) | 92.0859% | 729 |
| Efficiency ratio | 49.3513% | 5,277 |
| Assets per employee ($millions) | 9.1192% | 417 |
| Cash dividends to net income (ytd only)* | 7.1092% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 3,051 |
| Loan loss allowance to noncurrent loans | 90.2876% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3349% | 1,197 |
| Noncurrent loans to loans | 1.3037% | 1,466 |
| Net loans and leases to total assets | 75.8646% | 1,610 |
| Net loans and leases to deposits | 91.9069% | 1,581 |
| Net loans and leases to core deposits | 106.6331% | 1,230 |
| Total domestic deposits to total assets | 82.5450% | 3,608 |
| Equity capital to assets | 14.0233% | 991 |
| Core capital (leverage) ratio | 12.1598% | 1,596 |
| Tier 1 risk-based capital ratio | 12.2321% | 4,474 |
| Total risk-based capital ratio | 13.4756% | 4,374 |
| Memoranda: | ||
| Average total assets | $9,876,103,750 | 123 |
| Average earning assets | $9,042,481,250 | 122 |
| Average equity | $1,390,278,500 | 116 |
| Average total loans | $7,718,135,000 | 117 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 2,233 |
| Cost of funding earning assets | 0.5223% | 1,987 |
| Net interest margin | 3.7436% | 2,498 |
| Noninterest income to average assets | 0.8891% | 1,307 |
| Noninterest expense to average assets | 2.1928% | 4,573 |
| Loan and lease loss provision to assets | 0.2582% | 640 |
| Net operating income to assets | 1.2525% | 1,430 |
| Return on assets (ROA) | 1.2502% | 1,464 |
| Pretax return on assets | 1.8641% | 719 |
| Return on Equity (ROE) | 8.8690% | 2,570 |
| Retained earnings to average equity (ytd only) | 8.2456% | 1,075 |
| Net charge-offs to loans | 0.0405% | 2,390 |
| Credit loss provision to net charge-offs | 810.8442% | 456 |
| Earnings coverage of net charge-offs (x) | 66.7558% | 869 |
| Efficiency ratio | 49.6869% | 5,323 |
| Assets per employee ($millions) | 8.5337% | 505 |
| Cash dividends to net income (ytd only)* | 7.0290% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 3,018 |
| Loan loss allowance to noncurrent loans | 76.3613% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.6250% | 905 |
| Noncurrent loans to loans | 1.5718% | 1,190 |
| Net loans and leases to total assets | 78.3239% | 1,194 |
| Net loans and leases to deposits | 94.9101% | 1,185 |
| Net loans and leases to core deposits | 109.9788% | 1,002 |
| Total domestic deposits to total assets | 82.5243% | 3,716 |
| Equity capital to assets | 14.6412% | 785 |
| Core capital (leverage) ratio | 12.0974% | 1,583 |
| Tier 1 risk-based capital ratio | 12.4555% | 4,330 |
| Total risk-based capital ratio | 13.7493% | 4,200 |
| Memoranda: | ||
| Average total assets | $9,672,430,670 | 126 |
| Average earning assets | $8,860,683,670 | 123 |
| Average equity | $1,363,491,000 | 115 |
| Average total loans | $7,607,255,330 | 117 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 2,758 |
| Cost of funding earning assets | 0.4758% | 2,298 |
| Net interest margin | 3.5973% | 2,894 |
| Noninterest income to average assets | 0.9061% | 1,219 |
| Noninterest expense to average assets | 2.1804% | 4,699 |
| Loan and lease loss provision to assets | 0.2408% | 642 |
| Net operating income to assets | 1.1873% | 1,534 |
| Return on assets (ROA) | 1.1896% | 1,569 |
| Pretax return on assets | 1.7826% | 830 |
| Return on Equity (ROE) | 8.6084% | 2,612 |
| Retained earnings to average equity (ytd only) | 7.8554% | 1,521 |
| Net charge-offs to loans | -0.0133% | 4,536 |
| Credit loss provision to net charge-offs | -2,314.4000% | 4,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7551% | 5,335 |
| Assets per employee ($millions) | 8.6110% | 482 |
| Cash dividends to net income (ytd only)* | 8.7471% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 3,356 |
| Loan loss allowance to noncurrent loans | 59.5458% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.9158% | 707 |
| Noncurrent loans to loans | 1.9500% | 924 |
| Net loans and leases to total assets | 77.4534% | 1,206 |
| Net loans and leases to deposits | 95.2813% | 985 |
| Net loans and leases to core deposits | 115.0262% | 632 |
| Total domestic deposits to total assets | 81.2892% | 4,349 |
| Equity capital to assets | 13.8159% | 964 |
| Core capital (leverage) ratio | 11.3658% | 2,048 |
| Tier 1 risk-based capital ratio | 11.6872% | 4,922 |
| Total risk-based capital ratio | 12.9470% | 4,815 |
| Memoranda: | ||
| Average total assets | $9,610,294,000 | 125 |
| Average earning assets | $8,800,978,000 | 126 |
| Average equity | $1,328,057,000 | 118 |
| Average total loans | $7,527,693,500 | 116 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 3,148 |
| Cost of funding earning assets | 0.4523% | 2,520 |
| Net interest margin | 3.5608% | 3,216 |
| Noninterest income to average assets | 0.8546% | 1,556 |
| Noninterest expense to average assets | 2.3208% | 4,507 |
| Loan and lease loss provision to assets | 0.5374% | 255 |
| Net operating income to assets | 0.8146% | 3,240 |
| Return on assets (ROA) | 0.8415% | 3,216 |
| Pretax return on assets | 1.2765% | 2,372 |
| Return on Equity (ROE) | 5.8287% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.8103% | 2,465 |
| Net charge-offs to loans | 0.6538% | 337 |
| Credit loss provision to net charge-offs | 105.3027% | 2,464 |
| Earnings coverage of net charge-offs (x) | 3.4745% | 3,664 |
| Efficiency ratio | 55.0919% | 5,141 |
| Assets per employee ($millions) | 8.3036% | 530 |
| Cash dividends to net income (ytd only)* | 17.4717% | 3,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,688 |
| Loan loss allowance to noncurrent loans | 56.4558% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.9338% | 727 |
| Noncurrent loans to loans | 1.9558% | 933 |
| Net loans and leases to total assets | 77.4305% | 1,290 |
| Net loans and leases to deposits | 91.2971% | 1,537 |
| Net loans and leases to core deposits | 109.8103% | 914 |
| Total domestic deposits to total assets | 84.8115% | 3,126 |
| Equity capital to assets | 13.8224% | 949 |
| Core capital (leverage) ratio | 11.1744% | 2,188 |
| Tier 1 risk-based capital ratio | 11.5454% | 5,028 |
| Total risk-based capital ratio | 12.7551% | 4,955 |
| Memoranda: | ||
| Average total assets | $9,182,720,000 | 129 |
| Average earning assets | $8,353,906,000 | 127 |
| Average equity | $1,325,655,200 | 110 |
| Average total loans | $7,167,769,600 | 117 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 3,220 |
| Cost of funding earning assets | 0.4471% | 2,580 |
| Net interest margin | 3.5564% | 3,246 |
| Noninterest income to average assets | 0.8445% | 1,594 |
| Noninterest expense to average assets | 2.3260% | 4,473 |
| Loan and lease loss provision to assets | 0.7996% | 136 |
| Net operating income to assets | 0.6362% | 4,139 |
| Return on assets (ROA) | 0.6604% | 4,158 |
| Pretax return on assets | 0.9854% | 3,683 |
| Return on Equity (ROE) | 4.5245% | 4,709 |
| Retained earnings to average equity (ytd only) | 3.5960% | 3,735 |
| Net charge-offs to loans | 0.8113% | 218 |
| Credit loss provision to net charge-offs | 126.3662% | 2,006 |
| Earnings coverage of net charge-offs (x) | 2.7639% | 3,526 |
| Efficiency ratio | 55.4345% | 5,114 |
| Assets per employee ($millions) | 8.1393% | 554 |
| Cash dividends to net income (ytd only)* | 20.5223% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,885 |
| Loan loss allowance to noncurrent loans | 52.8170% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 2.1554% | 693 |
| Noncurrent loans to loans | 2.3885% | 760 |
| Net loans and leases to total assets | 75.7064% | 1,574 |
| Net loans and leases to deposits | 89.4963% | 1,821 |
| Net loans and leases to core deposits | 110.1606% | 899 |
| Total domestic deposits to total assets | 84.5917% | 2,991 |
| Equity capital to assets | 14.2983% | 930 |
| Core capital (leverage) ratio | 11.0833% | 2,368 |
| Tier 1 risk-based capital ratio | 11.6408% | 5,018 |
| Total risk-based capital ratio | 12.9928% | 4,855 |
| Memoranda: | ||
| Average total assets | $9,099,406,250 | 129 |
| Average earning assets | $8,265,146,250 | 128 |
| Average equity | $1,328,235,000 | 108 |
| Average total loans | $7,097,078,750 | 118 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 3,233 |
| Cost of funding earning assets | 0.4399% | 2,657 |
| Net interest margin | 3.5637% | 3,238 |
| Noninterest income to average assets | 0.8663% | 1,489 |
| Noninterest expense to average assets | 2.3869% | 4,379 |
| Loan and lease loss provision to assets | 0.5549% | 219 |
| Net operating income to assets | 0.7702% | 3,446 |
| Return on assets (ROA) | 0.7861% | 3,524 |
| Pretax return on assets | 1.1866% | 2,836 |
| Return on Equity (ROE) | 5.3473% | 4,359 |
| Retained earnings to average equity (ytd only) | 4.3259% | 3,166 |
| Net charge-offs to loans | 0.4984% | 440 |
| Credit loss provision to net charge-offs | 141.8909% | 1,664 |
| Earnings coverage of net charge-offs (x) | 4.3917% | 2,993 |
| Efficiency ratio | 56.4741% | 5,092 |
| Assets per employee ($millions) | 7.8458% | 607 |
| Cash dividends to net income (ytd only)* | 19.1007% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 3,274 |
| Loan loss allowance to noncurrent loans | 47.6036% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 2.3793% | 612 |
| Noncurrent loans to loans | 2.5510% | 677 |
| Net loans and leases to total assets | 77.0307% | 1,332 |
| Net loans and leases to deposits | 91.7552% | 1,546 |
| Net loans and leases to core deposits | 116.1939% | 634 |
| Total domestic deposits to total assets | 83.9524% | 3,284 |
| Equity capital to assets | 14.6834% | 817 |
| Core capital (leverage) ratio | 11.2658% | 2,180 |
| Tier 1 risk-based capital ratio | 11.3948% | 5,218 |
| Total risk-based capital ratio | 12.6903% | 5,088 |
| Memoranda: | ||
| Average total assets | $8,990,768,670 | 128 |
| Average earning assets | $8,169,143,670 | 126 |
| Average equity | $1,321,759,330 | 109 |
| Average total loans | $7,053,858,000 | 117 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0035% | 3,211 |
| Cost of funding earning assets | 0.4373% | 2,704 |
| Net interest margin | 3.5662% | 3,217 |
| Noninterest income to average assets | 0.7929% | 1,646 |
| Noninterest expense to average assets | 2.3402% | 4,548 |
| Loan and lease loss provision to assets | 0.4715% | 268 |
| Net operating income to assets | 0.8033% | 3,227 |
| Return on assets (ROA) | 0.8052% | 3,334 |
| Pretax return on assets | 1.2174% | 2,630 |
| Return on Equity (ROE) | 5.4737% | 4,244 |
| Retained earnings to average equity (ytd only) | 4.7086% | 3,115 |
| Net charge-offs to loans | -0.0284% | 5,037 |
| Credit loss provision to net charge-offs | -2,111.2903% | 4,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3593% | 5,163 |
| Assets per employee ($millions) | 7.6873% | 644 |
| Cash dividends to net income (ytd only)* | 13.9782% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,971 |
| Loan loss allowance to noncurrent loans | 43.7152% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 2.7530% | 499 |
| Noncurrent loans to loans | 2.9474% | 561 |
| Net loans and leases to total assets | 77.4333% | 1,180 |
| Net loans and leases to deposits | 93.6970% | 1,174 |
| Net loans and leases to core deposits | 115.0604% | 630 |
| Total domestic deposits to total assets | 82.6422% | 4,022 |
| Equity capital to assets | 14.7337% | 765 |
| Core capital (leverage) ratio | 11.4113% | 2,040 |
| Tier 1 risk-based capital ratio | 11.4749% | 5,248 |
| Total risk-based capital ratio | 12.8399% | 5,083 |
| Memoranda: | ||
| Average total assets | $8,884,594,000 | 130 |
| Average earning assets | $8,055,097,500 | 128 |
| Average equity | $1,306,975,000 | 110 |
| Average total loans | $6,992,599,500 | 117 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 3,546 |
| Cost of funding earning assets | 0.3724% | 3,457 |
| Net interest margin | 3.5718% | 3,238 |
| Noninterest income to average assets | 0.8601% | 1,570 |
| Noninterest expense to average assets | 2.7257% | 3,500 |
| Loan and lease loss provision to assets | 0.4355% | 285 |
| Net operating income to assets | 0.5926% | 4,308 |
| Return on assets (ROA) | 0.6019% | 4,359 |
| Pretax return on assets | 0.9267% | 3,742 |
| Return on Equity (ROE) | 3.9108% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.2423% | 3,745 |
| Net charge-offs to loans | 0.1494% | 1,873 |
| Credit loss provision to net charge-offs | 370.1677% | 809 |
| Earnings coverage of net charge-offs (x) | 11.4577% | 2,575 |
| Efficiency ratio | 64.6287% | 4,146 |
| Assets per employee ($millions) | 7.4876% | 708 |
| Cash dividends to net income (ytd only)* | 17.0923% | 3,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 3,759 |
| Loan loss allowance to noncurrent loans | 110.6054% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2366% | 1,736 |
| Noncurrent loans to loans | 1.0391% | 2,257 |
| Net loans and leases to total assets | 78.0635% | 1,108 |
| Net loans and leases to deposits | 97.5126% | 857 |
| Net loans and leases to core deposits | 118.3278% | 530 |
| Total domestic deposits to total assets | 80.0548% | 4,729 |
| Equity capital to assets | 14.6870% | 736 |
| Core capital (leverage) ratio | 11.8612% | 1,715 |
| Tier 1 risk-based capital ratio | 11.5958% | 5,194 |
| Total risk-based capital ratio | 12.8620% | 5,091 |
| Memoranda: | ||
| Average total assets | $8,262,708,800 | 131 |
| Average earning assets | $7,434,007,800 | 129 |
| Average equity | $1,271,614,200 | 112 |
| Average total loans | $6,507,969,600 | 117 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 3,369 |
| Cost of funding earning assets | 0.3752% | 3,487 |
| Net interest margin | 3.6185% | 3,088 |
| Noninterest income to average assets | 0.8982% | 1,458 |
| Noninterest expense to average assets | 2.8274% | 3,080 |
| Loan and lease loss provision to assets | 0.2343% | 773 |
| Net operating income to assets | 0.6989% | 3,903 |
| Return on assets (ROA) | 0.7114% | 3,958 |
| Pretax return on assets | 1.1103% | 3,177 |
| Return on Equity (ROE) | 4.5663% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.3821% | 3,355 |
| Net charge-offs to loans | 0.1356% | 1,779 |
| Credit loss provision to net charge-offs | 219.5084% | 1,241 |
| Earnings coverage of net charge-offs (x) | 12.4128% | 2,408 |
| Efficiency ratio | 65.7826% | 3,932 |
| Assets per employee ($millions) | 6.7778% | 952 |
| Cash dividends to net income (ytd only)* | 4.0338% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 5,026 |
| Loan loss allowance to noncurrent loans | 104.6414% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.2242% | 1,929 |
| Noncurrent loans to loans | 0.8970% | 2,732 |
| Net loans and leases to total assets | 78.4302% | 1,033 |
| Net loans and leases to deposits | 94.3423% | 1,163 |
| Net loans and leases to core deposits | 111.1095% | 809 |
| Total domestic deposits to total assets | 83.1336% | 3,761 |
| Equity capital to assets | 15.7339% | 608 |
| Core capital (leverage) ratio | 12.1166% | 1,609 |
| Tier 1 risk-based capital ratio | 12.2169% | 4,950 |
| Total risk-based capital ratio | 13.3241% | 4,949 |
| Memoranda: | ||
| Average total assets | $8,130,768,000 | 133 |
| Average earning assets | $7,312,316,750 | 131 |
| Average equity | $1,266,754,500 | 113 |
| Average total loans | $6,399,478,750 | 118 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,167 |
| Cost of funding earning assets | 0.3727% | 3,573 |
| Net interest margin | 3.6558% | 2,891 |
| Noninterest income to average assets | 0.9058% | 1,426 |
| Noninterest expense to average assets | 2.8422% | 3,092 |
| Loan and lease loss provision to assets | 0.2542% | 675 |
| Net operating income to assets | 0.6920% | 3,925 |
| Return on assets (ROA) | 0.7049% | 3,989 |
| Pretax return on assets | 1.1115% | 3,124 |
| Return on Equity (ROE) | 4.5398% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.2611% | 3,314 |
| Net charge-offs to loans | 0.0617% | 2,498 |
| Credit loss provision to net charge-offs | 524.5283% | 609 |
| Earnings coverage of net charge-offs (x) | 27.7593% | 1,443 |
| Efficiency ratio | 65.5378% | 4,095 |
| Assets per employee ($millions) | 6.7100% | 960 |
| Cash dividends to net income (ytd only)* | 6.1398% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 5,076 |
| Loan loss allowance to noncurrent loans | 97.9071% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.4218% | 1,761 |
| Noncurrent loans to loans | 0.9760% | 2,697 |
| Net loans and leases to total assets | 77.9215% | 1,073 |
| Net loans and leases to deposits | 94.7391% | 1,074 |
| Net loans and leases to core deposits | 110.0038% | 836 |
| Total domestic deposits to total assets | 82.2485% | 4,211 |
| Equity capital to assets | 15.4797% | 610 |
| Core capital (leverage) ratio | 12.0194% | 1,652 |
| Tier 1 risk-based capital ratio | 12.1782% | 5,016 |
| Total risk-based capital ratio | 13.3067% | 5,006 |
| Memoranda: | ||
| Average total assets | $8,091,508,000 | 133 |
| Average earning assets | $7,264,058,000 | 131 |
| Average equity | $1,256,399,330 | 117 |
| Average total loans | $6,355,754,670 | 119 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0739% | 2,937 |
| Cost of funding earning assets | 0.3773% | 3,564 |
| Net interest margin | 3.6966% | 2,627 |
| Noninterest income to average assets | 0.8775% | 1,467 |
| Noninterest expense to average assets | 2.8651% | 3,019 |
| Loan and lease loss provision to assets | 0.0984% | 2,054 |
| Net operating income to assets | 0.7712% | 3,416 |
| Return on assets (ROA) | 0.7972% | 3,404 |
| Pretax return on assets | 1.2638% | 2,407 |
| Return on Equity (ROE) | 5.1349% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.1349% | 2,977 |
| Net charge-offs to loans | 0.0567% | 2,194 |
| Credit loss provision to net charge-offs | 221.0526% | 984 |
| Earnings coverage of net charge-offs (x) | 29.6797% | 1,159 |
| Efficiency ratio | 66.0481% | 4,151 |
| Assets per employee ($millions) | 6.2751% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8544% | 5,556 |
| Loan loss allowance to noncurrent loans | 97.1600% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.3654% | 1,944 |
| Noncurrent loans to loans | 0.8794% | 3,046 |
| Net loans and leases to total assets | 78.0296% | 923 |
| Net loans and leases to deposits | 93.5867% | 1,030 |
| Net loans and leases to core deposits | 108.9405% | 789 |
| Total domestic deposits to total assets | 83.3768% | 4,057 |
| Equity capital to assets | 15.5653% | 610 |
| Core capital (leverage) ratio | 11.7930% | 1,785 |
| Tier 1 risk-based capital ratio | 11.9371% | 5,277 |
| Total risk-based capital ratio | 12.9720% | 5,329 |
| Memoranda: | ||
| Average total assets | $8,021,594,000 | 132 |
| Average earning assets | $7,180,930,500 | 130 |
| Average equity | $1,245,450,000 | 116 |
| Average total loans | $6,295,646,500 | 119 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 1,659 |
| Cost of funding earning assets | 0.3385% | 4,383 |
| Net interest margin | 4.2227% | 1,239 |
| Noninterest income to average assets | 0.9666% | 1,299 |
| Noninterest expense to average assets | 3.4530% | 1,592 |
| Loan and lease loss provision to assets | 0.1539% | 1,708 |
| Net operating income to assets | 0.6748% | 4,016 |
| Return on assets (ROA) | 0.6807% | 4,103 |
| Pretax return on assets | 1.0888% | 3,126 |
| Return on Equity (ROE) | 4.2840% | 4,988 |
| Retained earnings to average equity (ytd only) | 4.2112% | 3,199 |
| Net charge-offs to loans | 0.0820% | 3,329 |
| Credit loss provision to net charge-offs | 243.5542% | 1,047 |
| Earnings coverage of net charge-offs (x) | 19.5134% | 1,779 |
| Efficiency ratio | 70.8567% | 3,399 |
| Assets per employee ($millions) | 6.0875% | 1,323 |
| Cash dividends to net income (ytd only)* | 1.6979% | 4,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 5,735 |
| Loan loss allowance to noncurrent loans | 72.6274% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.6136% | 1,671 |
| Noncurrent loans to loans | 1.1253% | 2,589 |
| Net loans and leases to total assets | 77.6009% | 1,060 |
| Net loans and leases to deposits | 93.1726% | 1,166 |
| Net loans and leases to core deposits | 107.7109% | 911 |
| Total domestic deposits to total assets | 83.2872% | 3,982 |
| Equity capital to assets | 15.4825% | 612 |
| Core capital (leverage) ratio | 12.0963% | 1,568 |
| Tier 1 risk-based capital ratio | 11.8366% | 5,469 |
| Total risk-based capital ratio | 12.8647% | 5,513 |
| Memoranda: | ||
| Average total assets | $7,068,579,200 | 146 |
| Average earning assets | $6,226,828,000 | 145 |
| Average equity | $1,123,229,800 | 120 |
| Average total loans | $5,448,918,400 | 130 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 1,411 |
| Cost of funding earning assets | 0.3387% | 4,480 |
| Net interest margin | 4.3204% | 1,007 |
| Noninterest income to average assets | 0.9355% | 1,409 |
| Noninterest expense to average assets | 3.4663% | 1,538 |
| Loan and lease loss provision to assets | 0.1895% | 1,285 |
| Net operating income to assets | 0.6681% | 4,112 |
| Return on assets (ROA) | 0.6679% | 4,209 |
| Pretax return on assets | 1.0630% | 3,329 |
| Return on Equity (ROE) | 4.1719% | 5,099 |
| Retained earnings to average equity (ytd only) | 4.1719% | 3,681 |
| Net charge-offs to loans | 0.1162% | 2,639 |
| Credit loss provision to net charge-offs | 212.5464% | 1,211 |
| Earnings coverage of net charge-offs (x) | 14.0526% | 2,167 |
| Efficiency ratio | 70.5281% | 3,413 |
| Assets per employee ($millions) | 5.4882% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 5,687 |
| Loan loss allowance to noncurrent loans | 65.4550% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.8768% | 1,566 |
| Noncurrent loans to loans | 1.3288% | 2,425 |
| Net loans and leases to total assets | 77.5274% | 1,017 |
| Net loans and leases to deposits | 94.2816% | 1,014 |
| Net loans and leases to core deposits | 107.5788% | 870 |
| Total domestic deposits to total assets | 82.2296% | 4,406 |
| Equity capital to assets | 16.0753% | 553 |
| Core capital (leverage) ratio | 11.7456% | 1,868 |
| Tier 1 risk-based capital ratio | 11.8623% | 5,583 |
| Total risk-based capital ratio | 12.9687% | 5,583 |
| Memoranda: | ||
| Average total assets | $6,854,234,500 | 147 |
| Average earning assets | $6,002,500,000 | 147 |
| Average equity | $1,097,253,500 | 124 |
| Average total loans | $5,260,824,250 | 134 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7965% | 1,076 |
| Cost of funding earning assets | 0.3303% | 4,643 |
| Net interest margin | 4.4661% | 759 |
| Noninterest income to average assets | 0.9823% | 1,251 |
| Noninterest expense to average assets | 3.6048% | 1,285 |
| Loan and lease loss provision to assets | 0.1888% | 1,287 |
| Net operating income to assets | 0.6842% | 3,921 |
| Return on assets (ROA) | 0.6838% | 4,023 |
| Pretax return on assets | 1.0818% | 3,177 |
| Return on Equity (ROE) | 4.2781% | 5,029 |
| Retained earnings to average equity (ytd only) | 4.2781% | 3,453 |
| Net charge-offs to loans | 0.1517% | 2,175 |
| Credit loss provision to net charge-offs | 163.2338% | 1,379 |
| Earnings coverage of net charge-offs (x) | 10.9915% | 2,193 |
| Efficiency ratio | 71.0095% | 3,499 |
| Assets per employee ($millions) | 5.4014% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 5,805 |
| Loan loss allowance to noncurrent loans | 52.7900% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 2.1078% | 1,481 |
| Noncurrent loans to loans | 1.6526% | 2,102 |
| Net loans and leases to total assets | 75.4949% | 1,234 |
| Net loans and leases to deposits | 90.9192% | 1,278 |
| Net loans and leases to core deposits | 102.2287% | 1,119 |
| Total domestic deposits to total assets | 83.0352% | 4,292 |
| Equity capital to assets | 15.7560% | 586 |
| Core capital (leverage) ratio | 11.2698% | 2,178 |
| Tier 1 risk-based capital ratio | 11.7933% | 5,643 |
| Total risk-based capital ratio | 12.5525% | 5,848 |
| Memoranda: | ||
| Average total assets | $6,716,865,330 | 148 |
| Average earning assets | $5,855,908,330 | 152 |
| Average equity | $1,073,643,000 | 125 |
| Average total loans | $5,120,155,670 | 136 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 1,072 |
| Cost of funding earning assets | 0.3276% | 4,763 |
| Net interest margin | 4.4610% | 712 |
| Noninterest income to average assets | 0.9929% | 1,145 |
| Noninterest expense to average assets | 3.5973% | 1,311 |
| Loan and lease loss provision to assets | 0.3156% | 590 |
| Net operating income to assets | 0.6032% | 4,186 |
| Return on assets (ROA) | 0.6025% | 4,264 |
| Pretax return on assets | 0.9462% | 3,531 |
| Return on Equity (ROE) | 3.7405% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.7405% | 3,887 |
| Net charge-offs to loans | 0.1860% | 1,609 |
| Credit loss provision to net charge-offs | 222.4850% | 969 |
| Earnings coverage of net charge-offs (x) | 8.9028% | 1,984 |
| Efficiency ratio | 70.9815% | 3,654 |
| Assets per employee ($millions) | 5.2146% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 5,816 |
| Loan loss allowance to noncurrent loans | 46.5800% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 2.4057% | 1,347 |
| Noncurrent loans to loans | 1.9688% | 1,902 |
| Net loans and leases to total assets | 76.2119% | 980 |
| Net loans and leases to deposits | 92.0226% | 952 |
| Net loans and leases to core deposits | 101.3247% | 1,015 |
| Total domestic deposits to total assets | 82.8187% | 4,666 |
| Equity capital to assets | 16.3551% | 478 |
| Core capital (leverage) ratio | 11.3685% | 2,081 |
| Tier 1 risk-based capital ratio | 11.9311% | 5,686 |
| Total risk-based capital ratio | 12.7268% | 5,874 |
| Memoranda: | ||
| Average total assets | $6,558,976,000 | 151 |
| Average earning assets | $5,686,033,500 | 156 |
| Average equity | $1,056,434,000 | 127 |
| Average total loans | $5,002,227,500 | 140 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3352% | 496 |
| Cost of funding earning assets | 0.3152% | 5,468 |
| Net interest margin | 5.0200% | 299 |
| Noninterest income to average assets | 0.9154% | 1,631 |
| Noninterest expense to average assets | 4.1489% | 733 |
| Loan and lease loss provision to assets | 0.3099% | 1,076 |
| Net operating income to assets | 1.6800% | 600 |
| Return on assets (ROA) | 1.7279% | 577 |
| Pretax return on assets | 0.8110% | 4,103 |
| Return on Equity (ROE) | 10.7245% | 1,854 |
| Retained earnings to average equity (ytd only) | 10.7245% | 459 |
| Net charge-offs to loans | 0.1943% | 2,915 |
| Credit loss provision to net charge-offs | 220.5478% | 1,039 |
| Earnings coverage of net charge-offs (x) | 7.6374% | 2,798 |
| Efficiency ratio | 75.9377% | 2,782 |
| Assets per employee ($millions) | 4.8225% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 5,892 |
| Loan loss allowance to noncurrent loans | 39.1931% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 2.6919% | 1,246 |
| Noncurrent loans to loans | 2.3210% | 1,656 |
| Net loans and leases to total assets | 74.9014% | 1,235 |
| Net loans and leases to deposits | 90.0948% | 1,234 |
| Net loans and leases to core deposits | 99.4726% | 1,197 |
| Total domestic deposits to total assets | 83.1362% | 4,499 |
| Equity capital to assets | 15.8490% | 549 |
| Core capital (leverage) ratio | 10.7128% | 2,662 |
| Tier 1 risk-based capital ratio | 11.2757% | 6,038 |
| Total risk-based capital ratio | 12.0737% | 6,203 |
| Memoranda: | ||
| Average total assets | $6,003,141,200 | 163 |
| Average earning assets | $5,149,872,600 | 164 |
| Average equity | $967,184,800 | 130 |
| Average total loans | $4,339,736,400 | 149 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4718% | 390 |
| Cost of funding earning assets | 0.3123% | 5,622 |
| Net interest margin | 5.1595% | 231 |
| Noninterest income to average assets | 1.0089% | 1,425 |
| Noninterest expense to average assets | 4.3187% | 618 |
| Loan and lease loss provision to assets | 0.3541% | 901 |
| Net operating income to assets | 2.1895% | 265 |
| Return on assets (ROA) | 2.1973% | 269 |
| Pretax return on assets | 0.7670% | 4,433 |
| Return on Equity (ROE) | 13.5779% | 1,106 |
| Retained earnings to average equity (ytd only) | 13.5779% | 286 |
| Net charge-offs to loans | 0.2220% | 2,479 |
| Credit loss provision to net charge-offs | 223.4513% | 1,095 |
| Earnings coverage of net charge-offs (x) | 7.0250% | 2,861 |
| Efficiency ratio | 76.0323% | 2,724 |
| Assets per employee ($millions) | 4.6339% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 5,907 |
| Loan loss allowance to noncurrent loans | 30.6108% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 3.1116% | 1,175 |
| Noncurrent loans to loans | 3.1159% | 1,273 |
| Net loans and leases to total assets | 71.4955% | 1,680 |
| Net loans and leases to deposits | 86.5670% | 1,545 |
| Net loans and leases to core deposits | 95.6745% | 1,423 |
| Total domestic deposits to total assets | 82.5899% | 4,722 |
| Equity capital to assets | 16.3694% | 485 |
| Core capital (leverage) ratio | 10.9404% | 2,539 |
| Tier 1 risk-based capital ratio | 12.0005% | 5,776 |
| Total risk-based capital ratio | 12.8509% | 5,972 |
| Memoranda: | ||
| Average total assets | $5,894,419,500 | 161 |
| Average earning assets | $5,053,136,000 | 162 |
| Average equity | $953,890,500 | 131 |
| Average total loans | $4,208,060,250 | 152 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5755% | 340 |
| Cost of funding earning assets | 0.3059% | 5,786 |
| Net interest margin | 5.2696% | 196 |
| Noninterest income to average assets | 0.9923% | 1,550 |
| Noninterest expense to average assets | 4.3839% | 582 |
| Loan and lease loss provision to assets | 0.5449% | 488 |
| Net operating income to assets | 0.5878% | 4,358 |
| Return on assets (ROA) | 0.5946% | 4,497 |
| Pretax return on assets | 0.5834% | 5,083 |
| Return on Equity (ROE) | 3.6894% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.6894% | 3,960 |
| Net charge-offs to loans | 0.2186% | 2,437 |
| Credit loss provision to net charge-offs | 350.5333% | 740 |
| Earnings coverage of net charge-offs (x) | 7.2144% | 2,581 |
| Efficiency ratio | 76.1067% | 2,771 |
| Assets per employee ($millions) | 4.1134% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 5,554 |
| Loan loss allowance to noncurrent loans | 28.9628% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 3.6750% | 1,010 |
| Noncurrent loans to loans | 3.6904% | 1,110 |
| Net loans and leases to total assets | 71.4020% | 1,662 |
| Net loans and leases to deposits | 85.8859% | 1,589 |
| Net loans and leases to core deposits | 95.5018% | 1,398 |
| Total domestic deposits to total assets | 83.1359% | 4,649 |
| Equity capital to assets | 15.9238% | 535 |
| Core capital (leverage) ratio | 10.7755% | 2,593 |
| Tier 1 risk-based capital ratio | 12.4165% | 5,558 |
| Total risk-based capital ratio | 13.4068% | 5,649 |
| Memoranda: | ||
| Average total assets | $5,789,434,330 | 162 |
| Average earning assets | $4,958,307,670 | 161 |
| Average equity | $933,040,670 | 132 |
| Average total loans | $4,116,688,000 | 152 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6417% | 295 |
| Cost of funding earning assets | 0.3042% | 5,937 |
| Net interest margin | 5.3375% | 160 |
| Noninterest income to average assets | 1.0709% | 1,298 |
| Noninterest expense to average assets | 4.4357% | 566 |
| Loan and lease loss provision to assets | 0.5395% | 494 |
| Net operating income to assets | 0.6697% | 3,847 |
| Return on assets (ROA) | 0.6697% | 4,004 |
| Pretax return on assets | 0.6573% | 4,764 |
| Return on Equity (ROE) | 4.1304% | 5,028 |
| Retained earnings to average equity (ytd only) | 4.1304% | 3,744 |
| Net charge-offs to loans | 0.3942% | 1,470 |
| Credit loss provision to net charge-offs | 193.9409% | 1,118 |
| Earnings coverage of net charge-offs (x) | 4.3022% | 2,582 |
| Efficiency ratio | 75.2501% | 3,048 |
| Assets per employee ($millions) | 4.0696% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 6,195 |
| Loan loss allowance to noncurrent loans | 22.6740% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 4.0142% | 990 |
| Noncurrent loans to loans | 4.0848% | 1,090 |
| Net loans and leases to total assets | 70.0702% | 1,646 |
| Net loans and leases to deposits | 84.5185% | 1,529 |
| Net loans and leases to core deposits | 94.9077% | 1,273 |
| Total domestic deposits to total assets | 82.9051% | 4,885 |
| Equity capital to assets | 16.1909% | 528 |
| Core capital (leverage) ratio | 10.7441% | 2,502 |
| Tier 1 risk-based capital ratio | 12.9333% | 5,276 |
| Total risk-based capital ratio | 13.8087% | 5,491 |
| Memoranda: | ||
| Average total assets | $5,743,096,000 | 165 |
| Average earning assets | $4,908,150,000 | 165 |
| Average equity | $931,233,500 | 137 |
| Average total loans | $4,052,373,000 | 156 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1758% | 1,160 |
| Cost of funding earning assets | 0.3187% | 6,366 |
| Net interest margin | 4.8571% | 490 |
| Noninterest income to average assets | 0.8814% | 1,926 |
| Noninterest expense to average assets | 4.2963% | 683 |
| Loan and lease loss provision to assets | 0.7398% | 686 |
| Net operating income to assets | -0.0227% | 6,202 |
| Return on assets (ROA) | -0.0109% | 6,315 |
| Pretax return on assets | 0.0307% | 6,247 |
| Return on Equity (ROE) | -0.0707% | 6,314 |
| Retained earnings to average equity (ytd only) | -0.0707% | 5,857 |
| Net charge-offs to loans | 0.4192% | 2,563 |
| Credit loss provision to net charge-offs | 269.8614% | 895 |
| Earnings coverage of net charge-offs (x) | 2.7437% | 4,055 |
| Efficiency ratio | 81.8438% | 1,887 |
| Assets per employee ($millions) | 3.7847% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 6,396 |
| Loan loss allowance to noncurrent loans | 19.0320% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 4.5695% | 902 |
| Noncurrent loans to loans | 4.4598% | 962 |
| Net loans and leases to total assets | 69.7968% | 1,884 |
| Net loans and leases to deposits | 85.8822% | 1,529 |
| Net loans and leases to core deposits | 90.4291% | 1,788 |
| Total domestic deposits to total assets | 81.2703% | 5,321 |
| Equity capital to assets | 16.2391% | 512 |
| Core capital (leverage) ratio | 10.5965% | 2,659 |
| Tier 1 risk-based capital ratio | 13.0153% | 5,096 |
| Total risk-based capital ratio | 13.8379% | 5,356 |
| Memoranda: | ||
| Average total assets | $5,473,263,800 | 166 |
| Average earning assets | $4,695,554,600 | 166 |
| Average equity | $844,110,600 | 143 |
| Average total loans | $3,579,385,000 | 159 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7761% | 2,473 |
| Cost of funding earning assets | 0.3139% | 6,542 |
| Net interest margin | 4.4622% | 1,067 |
| Noninterest income to average assets | 0.8306% | 2,118 |
| Noninterest expense to average assets | 4.0828% | 849 |
| Loan and lease loss provision to assets | 0.9479% | 451 |
| Net operating income to assets | -0.3632% | 6,626 |
| Return on assets (ROA) | -0.3429% | 6,660 |
| Pretax return on assets | -0.3427% | 6,625 |
| Return on Equity (ROE) | -2.2551% | 6,587 |
| Retained earnings to average equity (ytd only) | -2.2551% | 6,421 |
| Net charge-offs to loans | 0.4703% | 2,218 |
| Credit loss provision to net charge-offs | 314.4935% | 851 |
| Earnings coverage of net charge-offs (x) | 1.9407% | 4,288 |
| Efficiency ratio | 84.2977% | 1,554 |
| Assets per employee ($millions) | 4.1675% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 6,233 |
| Loan loss allowance to noncurrent loans | 16.3992% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 5.0851% | 873 |
| Noncurrent loans to loans | 5.8177% | 717 |
| Net loans and leases to total assets | 66.8192% | 2,497 |
| Net loans and leases to deposits | 81.5839% | 2,175 |
| Net loans and leases to core deposits | 84.8798% | 2,592 |
| Total domestic deposits to total assets | 81.9024% | 5,057 |
| Equity capital to assets | 16.7229% | 498 |
| Core capital (leverage) ratio | 10.2902% | 3,177 |
| Tier 1 risk-based capital ratio | 14.1423% | 4,425 |
| Total risk-based capital ratio | 15.1626% | 4,556 |
| Memoranda: | ||
| Average total assets | $5,414,729,500 | 168 |
| Average earning assets | $4,656,334,750 | 168 |
| Average equity | $823,431,000 | 143 |
| Average total loans | $3,469,810,250 | 164 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9495% | 318 |
| Cost of funding earning assets | 0.4101% | 6,217 |
| Net interest margin | 5.5394% | 170 |
| Noninterest income to average assets | 1.0645% | 1,268 |
| Noninterest expense to average assets | 5.0312% | 370 |
| Loan and lease loss provision to assets | 1.4126% | 265 |
| Net operating income to assets | -0.7203% | 6,825 |
| Return on assets (ROA) | -0.7199% | 6,862 |
| Pretax return on assets | -0.7199% | 6,827 |
| Return on Equity (ROE) | -4.5142% | 6,751 |
| Retained earnings to average equity (ytd only) | -4.5142% | 6,589 |
| Net charge-offs to loans | 0.6619% | 1,665 |
| Credit loss provision to net charge-offs | 346.1244% | 850 |
| Earnings coverage of net charge-offs (x) | 1.6963% | 4,138 |
| Efficiency ratio | 85.3349% | 1,493 |
| Assets per employee ($millions) | 3.0752% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 5,540 |
| Loan loss allowance to noncurrent loans | 12.6788% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 6.9873% | 562 |
| Noncurrent loans to loans | 9.1244% | 327 |
| Net loans and leases to total assets | 61.9429% | 3,452 |
| Net loans and leases to deposits | 76.8152% | 2,869 |
| Net loans and leases to core deposits | 79.7071% | 3,257 |
| Total domestic deposits to total assets | 80.6389% | 5,578 |
| Equity capital to assets | 16.0843% | 563 |
| Core capital (leverage) ratio | 10.9821% | 2,314 |
| Tier 1 risk-based capital ratio | 17.2862% | 2,553 |
| Total risk-based capital ratio | 18.5366% | 2,517 |
| Memoranda: | ||
| Average total assets | $3,837,714,000 | 214 |
| Average earning assets | $3,227,726,670 | 216 |
| Average equity | $611,977,330 | 167 |
| Average total loans | $2,366,246,330 | 207 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3824% | 935 |
| Cost of funding earning assets | 0.4291% | 6,265 |
| Net interest margin | 4.9534% | 431 |
| Noninterest income to average assets | 0.7612% | 2,342 |
| Noninterest expense to average assets | 4.9503% | 376 |
| Loan and lease loss provision to assets | 0.4518% | 1,366 |
| Net operating income to assets | -0.4760% | 6,813 |
| Return on assets (ROA) | -0.4751% | 6,841 |
| Pretax return on assets | -0.4751% | 6,813 |
| Return on Equity (ROE) | -2.9926% | 6,755 |
| Retained earnings to average equity (ytd only) | -2.9926% | 6,395 |
| Net charge-offs to loans | 0.5613% | 1,681 |
| Credit loss provision to net charge-offs | 131.6206% | 1,852 |
| Earnings coverage of net charge-offs (x) | -0.0705% | 4,400 |
| Efficiency ratio | 97.2884% | 667 |
| Assets per employee ($millions) | 3.0913% | 5,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4078% | 7,130 |
| Loan loss allowance to noncurrent loans | 4.3888% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 7.0204% | 611 |
| Noncurrent loans to loans | 9.2909% | 350 |
| Net loans and leases to total assets | 62.7409% | 3,114 |
| Net loans and leases to deposits | 76.0166% | 2,793 |
| Net loans and leases to core deposits | 79.1306% | 3,163 |
| Total domestic deposits to total assets | 82.5357% | 5,110 |
| Equity capital to assets | 16.1466% | 553 |
| Core capital (leverage) ratio | 10.4966% | 2,756 |
| Tier 1 risk-based capital ratio | 18.9648% | 1,996 |
| Total risk-based capital ratio | 19.4886% | 2,190 |
| Memoranda: | ||
| Average total assets | $3,833,017,000 | 212 |
| Average earning assets | $3,222,854,500 | 215 |
| Average equity | $608,576,000 | 166 |
| Average total loans | $2,343,918,000 | 209 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6933% | 792 |
| Cost of funding earning assets | 0.4927% | 6,564 |
| Net interest margin | 5.2007% | 284 |
| Noninterest income to average assets | 0.7533% | 2,322 |
| Noninterest expense to average assets | 4.8008% | 456 |
| Loan and lease loss provision to assets | 0.7256% | 1,400 |
| Net operating income to assets | -0.2072% | 6,265 |
| Return on assets (ROA) | -0.1960% | 6,322 |
| Pretax return on assets | -0.3603% | 6,389 |
| Return on Equity (ROE) | -1.3673% | 6,284 |
| Retained earnings to average equity (ytd only) | -1.3673% | 6,068 |
| Net charge-offs to loans | 0.7830% | 2,201 |
| Credit loss provision to net charge-offs | 163.1718% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.7819% | 5,209 |
| Efficiency ratio | 90.3992% | 1,156 |
| Assets per employee ($millions) | 3.1842% | 5,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3714% | 7,182 |
| Loan loss allowance to noncurrent loans | 3.7439% | 6,858 |
| Noncurrent assets plus other real estate owned to assets | 6.9490% | 659 |
| Noncurrent loans to loans | 9.9207% | 323 |
| Net loans and leases to total assets | 59.1532% | 4,163 |
| Net loans and leases to deposits | 73.9933% | 3,497 |
| Net loans and leases to core deposits | 77.3145% | 3,778 |
| Total domestic deposits to total assets | 79.9440% | 5,756 |
| Equity capital to assets | 15.6180% | 649 |
| Core capital (leverage) ratio | 10.1943% | 3,088 |
| Tier 1 risk-based capital ratio | 20.2827% | 1,571 |
| Total risk-based capital ratio | 20.7877% | 1,716 |
| Memoranda: | ||
| Average total assets | $3,066,921,800 | 236 |
| Average earning assets | $2,591,999,600 | 248 |
| Average equity | $439,621,400 | 201 |
| Average total loans | $1,741,812,000 | 261 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 6,639 |
| Cost of funding earning assets | 0.2600% | 7,269 |
| Net interest margin | 3.7061% | 4,309 |
| Noninterest income to average assets | 0.7213% | 2,476 |
| Noninterest expense to average assets | 2.8564% | 4,120 |
| Loan and lease loss provision to assets | 0.1804% | 4,223 |
| Net operating income to assets | 0.6723% | 3,755 |
| Return on assets (ROA) | 0.7055% | 3,755 |
| Pretax return on assets | 1.0005% | 3,403 |
| Return on Equity (ROE) | 5.3241% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.3241% | 2,973 |
| Net charge-offs to loans | 0.1763% | 4,392 |
| Credit loss provision to net charge-offs | 211.9839% | 1,367 |
| Earnings coverage of net charge-offs (x) | 13.3283% | 1,626 |
| Efficiency ratio | 69.4196% | 4,053 |
| Assets per employee ($millions) | 3.7794% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1676% | 7,339 |
| Loan loss allowance to noncurrent loans | 7.7351% | 6,917 |
| Noncurrent assets plus other real estate owned to assets | 1.8678% | 3,310 |
| Noncurrent loans to loans | 2.1671% | 3,156 |
| Net loans and leases to total assets | 44.2510% | 6,311 |
| Net loans and leases to deposits | 57.6964% | 5,870 |
| Net loans and leases to core deposits | 60.2948% | 5,966 |
| Total domestic deposits to total assets | 76.6963% | 6,423 |
| Equity capital to assets | 16.4513% | 556 |
| Core capital (leverage) ratio | 12.0022% | 1,705 |
| Tier 1 risk-based capital ratio | 22.1097% | 1,266 |
| Total risk-based capital ratio | 22.3171% | 1,420 |
| Memoranda: | ||
| Average total assets | $1,555,933,500 | 429 |
| Average earning assets | $1,372,567,000 | 438 |
| Average equity | $206,176,750 | 346 |
| Average total loans | $750,932,500 | 553 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3405% | 7,238 |
| Cost of funding earning assets | 0.1988% | 7,415 |
| Net interest margin | 3.1417% | 6,299 |
| Noninterest income to average assets | 0.5700% | 3,336 |
| Noninterest expense to average assets | 2.1761% | 6,437 |
| Loan and lease loss provision to assets | 0.1201% | 4,777 |
| Net operating income to assets | 0.7258% | 3,409 |
| Return on assets (ROA) | 0.7430% | 3,450 |
| Pretax return on assets | 1.0860% | 2,911 |
| Return on Equity (ROE) | 6.0717% | 3,928 |
| Retained earnings to average equity (ytd only) | 6.0717% | 2,380 |
| Net charge-offs to loans | 0.1220% | 4,495 |
| Credit loss provision to net charge-offs | 198.7395% | 1,524 |
| Earnings coverage of net charge-offs (x) | 19.5420% | 1,213 |
| Efficiency ratio | 62.6522% | 5,470 |
| Assets per employee ($millions) | 4.0460% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0673% | 7,434 |
| Loan loss allowance to noncurrent loans | 2.6078% | 6,997 |
| Noncurrent assets plus other real estate owned to assets | 2.0611% | 3,160 |
| Noncurrent loans to loans | 2.5818% | 2,799 |
| Net loans and leases to total assets | 45.4936% | 6,313 |
| Net loans and leases to deposits | 58.4682% | 5,882 |
| Net loans and leases to core deposits | 61.0720% | 5,992 |
| Total domestic deposits to total assets | 77.8093% | 6,327 |
| Equity capital to assets | 15.6408% | 671 |
| Core capital (leverage) ratio | 11.3662% | 1,998 |
| Tier 1 risk-based capital ratio | 21.1136% | 1,401 |
| Total risk-based capital ratio | 21.1727% | 1,601 |
| Memoranda: | ||
| Average total assets | $1,575,698,000 | 431 |
| Average earning assets | $1,397,648,000 | 438 |
| Average equity | $192,830,330 | 367 |
| Average total loans | $780,113,330 | 540 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4250% | 7,532 |
| Cost of funding earning assets | 0.1041% | 7,523 |
| Net interest margin | 1.3210% | 7,517 |
| Noninterest income to average assets | 0.2382% | 6,003 |
| Noninterest expense to average assets | 0.8968% | 7,523 |
| Loan and lease loss provision to assets | 0.0621% | 5,215 |
| Net operating income to assets | 0.3186% | 5,314 |
| Return on assets (ROA) | 0.3186% | 5,394 |
| Pretax return on assets | 0.4592% | 5,150 |
| Return on Equity (ROE) | 3.0049% | 5,370 |
| Retained earnings to average equity (ytd only) | 3.0049% | 4,363 |
| Net charge-offs to loans | 0.0234% | 4,756 |
| Credit loss provision to net charge-offs | 516.6667% | 699 |
| Earnings coverage of net charge-offs (x) | 43.3542% | 646 |
| Efficiency ratio | 60.6960% | 5,875 |
| Assets per employee ($millions) | 4.3699% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0267% | 7,495 |
| Loan loss allowance to noncurrent loans | 0.9870% | 7,069 |
| Noncurrent assets plus other real estate owned to assets | 2.2268% | 3,036 |
| Noncurrent loans to loans | 2.7016% | 2,794 |
| Net loans and leases to total assets | 46.5013% | 6,238 |
| Net loans and leases to deposits | 60.3766% | 5,684 |
| Net loans and leases to core deposits | 63.3030% | 5,804 |
| Total domestic deposits to total assets | 77.0187% | 6,536 |
| Equity capital to assets | 14.3941% | 912 |
| Core capital (leverage) ratio | 10.4151% | 2,688 |
| Tier 1 risk-based capital ratio | 19.7403% | 1,642 |
| Total risk-based capital ratio | 19.8362% | 1,885 |
| Memoranda: | ||
| Average total assets | $1,596,823,500 | 430 |
| Average earning assets | $1,426,207,000 | 427 |
| Average equity | $169,324,000 | 422 |
| Average total loans | $821,124,500 | 531 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 7,050 |
| Cost of funding earning assets | 1.5216% | 2,520 |
| Net interest margin | 2.5775% | 7,224 |
| Noninterest income to average assets | 0.4806% | 4,311 |
| Noninterest expense to average assets | 2.9123% | 4,174 |
| Loan and lease loss provision to assets | 0.9524% | 1,708 |
| Net operating income to assets | -1.8949% | 7,029 |
| Return on assets (ROA) | -1.8466% | 7,035 |
| Pretax return on assets | -1.0144% | 6,653 |
| Return on Equity (ROE) | -24.8400% | 7,131 |
| Retained earnings to average equity (ytd only) | -24.8400% | 7,111 |
| Net charge-offs to loans | 2.3585% | 816 |
| Credit loss provision to net charge-offs | 72.1964% | 5,808 |
| Earnings coverage of net charge-offs (x) | -0.0836% | 6,206 |
| Efficiency ratio | 103.0343% | 694 |
| Assets per employee ($millions) | 4.3799% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1356% | 356 |
| Loan loss allowance to noncurrent loans | 40.6126% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 7.6336% | 674 |
| Noncurrent loans to loans | 10.1831% | 409 |
| Net loans and leases to total assets | 54.0947% | 5,619 |
| Net loans and leases to deposits | 65.4479% | 5,461 |
| Net loans and leases to core deposits | 68.3633% | 5,627 |
| Total domestic deposits to total assets | 82.6531% | 4,950 |
| Equity capital to assets | 6.7384% | 7,195 |
| Core capital (leverage) ratio | 5.0963% | 7,411 |
| Tier 1 risk-based capital ratio | 8.9190% | 7,260 |
| Total risk-based capital ratio | 10.2028% | 7,257 |
| Memoranda: | ||
| Average total assets | $1,778,443,800 | 386 |
| Average earning assets | $1,601,665,800 | 380 |
| Average equity | $132,206,000 | 515 |
| Average total loans | $994,741,800 | 447 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 7,193 |
| Cost of funding earning assets | 1.6137% | 2,316 |
| Net interest margin | 2.4955% | 7,382 |
| Noninterest income to average assets | 0.5069% | 4,126 |
| Noninterest expense to average assets | 2.8888% | 4,133 |
| Loan and lease loss provision to assets | 0.9714% | 1,541 |
| Net operating income to assets | -0.7059% | 6,733 |
| Return on assets (ROA) | -0.6661% | 6,757 |
| Pretax return on assets | -1.0477% | 6,883 |
| Return on Equity (ROE) | -8.7825% | 6,871 |
| Retained earnings to average equity (ytd only) | -8.7825% | 6,815 |
| Net charge-offs to loans | 2.4252% | 710 |
| Credit loss provision to net charge-offs | 71.7511% | 5,370 |
| Earnings coverage of net charge-offs (x) | -0.1023% | 6,111 |
| Efficiency ratio | 104.1030% | 635 |
| Assets per employee ($millions) | 4.7589% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0402% | 359 |
| Loan loss allowance to noncurrent loans | 49.9751% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 6.3038% | 913 |
| Noncurrent loans to loans | 8.0845% | 634 |
| Net loans and leases to total assets | 52.6373% | 6,024 |
| Net loans and leases to deposits | 64.6886% | 5,827 |
| Net loans and leases to core deposits | 67.8348% | 5,960 |
| Total domestic deposits to total assets | 81.3703% | 5,247 |
| Equity capital to assets | 7.7867% | 6,937 |
| Core capital (leverage) ratio | 4.9408% | 7,548 |
| Tier 1 risk-based capital ratio | 8.7877% | 7,402 |
| Total risk-based capital ratio | 10.0707% | 7,408 |
| Memoranda: | ||
| Average total assets | $1,827,764,750 | 378 |
| Average earning assets | $1,643,165,750 | 373 |
| Average equity | $138,621,250 | 491 |
| Average total loans | $1,020,371,750 | 439 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 7,266 |
| Cost of funding earning assets | 1.6495% | 2,391 |
| Net interest margin | 2.4677% | 7,435 |
| Noninterest income to average assets | 0.5655% | 3,581 |
| Noninterest expense to average assets | 2.8042% | 4,464 |
| Loan and lease loss provision to assets | 0.5177% | 2,722 |
| Net operating income to assets | -0.3138% | 6,489 |
| Return on assets (ROA) | -0.2556% | 6,463 |
| Pretax return on assets | -0.4412% | 6,547 |
| Return on Equity (ROE) | -3.3987% | 6,556 |
| Retained earnings to average equity (ytd only) | -3.3987% | 6,355 |
| Net charge-offs to loans | 2.4216% | 722 |
| Credit loss provision to net charge-offs | 38.0915% | 5,634 |
| Earnings coverage of net charge-offs (x) | -0.0106% | 5,730 |
| Efficiency ratio | 99.5805% | 817 |
| Assets per employee ($millions) | 5.0037% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5641% | 522 |
| Loan loss allowance to noncurrent loans | 51.4301% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 5.5747% | 1,097 |
| Noncurrent loans to loans | 6.9300% | 827 |
| Net loans and leases to total assets | 51.3137% | 6,280 |
| Net loans and leases to deposits | 62.2577% | 6,210 |
| Net loans and leases to core deposits | 67.0079% | 6,155 |
| Total domestic deposits to total assets | 82.4215% | 4,818 |
| Equity capital to assets | 7.5070% | 7,112 |
| Core capital (leverage) ratio | 5.4006% | 7,566 |
| Tier 1 risk-based capital ratio | 9.3948% | 7,306 |
| Total risk-based capital ratio | 10.6716% | 7,298 |
| Memoranda: | ||
| Average total assets | $1,862,783,330 | 375 |
| Average earning assets | $1,679,080,000 | 371 |
| Average equity | $140,114,000 | 483 |
| Average total loans | $1,045,506,670 | 429 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 7,270 |
| Cost of funding earning assets | 1.6874% | 2,450 |
| Net interest margin | 2.5072% | 7,469 |
| Noninterest income to average assets | 0.6959% | 2,625 |
| Noninterest expense to average assets | 2.9705% | 3,777 |
| Loan and lease loss provision to assets | 0.3494% | 3,284 |
| Net operating income to assets | -0.2063% | 6,549 |
| Return on assets (ROA) | -0.2063% | 6,618 |
| Pretax return on assets | -0.3644% | 6,693 |
| Return on Equity (ROE) | -2.7394% | 6,717 |
| Retained earnings to average equity (ytd only) | -2.7394% | 6,327 |
| Net charge-offs to loans | 1.0121% | 1,628 |
| Credit loss provision to net charge-offs | 59.9261% | 4,305 |
| Earnings coverage of net charge-offs (x) | -0.0259% | 5,046 |
| Efficiency ratio | 99.5552% | 854 |
| Assets per employee ($millions) | 4.6055% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0452% | 361 |
| Loan loss allowance to noncurrent loans | 60.6744% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 5.5649% | 1,107 |
| Noncurrent loans to loans | 6.6671% | 929 |
| Net loans and leases to total assets | 53.4462% | 6,096 |
| Net loans and leases to deposits | 65.0537% | 5,937 |
| Net loans and leases to core deposits | 69.4838% | 5,958 |
| Total domestic deposits to total assets | 82.1571% | 5,005 |
| Equity capital to assets | 7.4323% | 7,119 |
| Core capital (leverage) ratio | 5.5906% | 7,638 |
| Tier 1 risk-based capital ratio | 9.1877% | 7,434 |
| Total risk-based capital ratio | 10.4702% | 7,423 |
| Memoranda: | ||
| Average total assets | $1,855,978,500 | 386 |
| Average earning assets | $1,672,598,000 | 387 |
| Average equity | $139,740,500 | 488 |
| Average total loans | $1,069,044,000 | 439 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 7,223 |
| Cost of funding earning assets | 1.9541% | 3,189 |
| Net interest margin | 2.6838% | 7,231 |
| Noninterest income to average assets | 0.7277% | 2,800 |
| Noninterest expense to average assets | 6.3523% | 268 |
| Loan and lease loss provision to assets | 4.1463% | 306 |
| Net operating income to assets | -5.7943% | 7,824 |
| Return on assets (ROA) | -5.6598% | 7,806 |
| Pretax return on assets | -7.1687% | 7,876 |
| Return on Equity (ROE) | -69.4678% | 7,807 |
| Retained earnings to average equity (ytd only) | -69.4678% | 7,804 |
| Net charge-offs to loans | 4.6145% | 308 |
| Credit loss provision to net charge-offs | 140.0664% | 3,481 |
| Earnings coverage of net charge-offs (x) | -1.0783% | 6,893 |
| Efficiency ratio | 90.0438% | 1,706 |
| Assets per employee ($millions) | 4.0462% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9783% | 368 |
| Loan loss allowance to noncurrent loans | 61.8979% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 5.6964% | 1,013 |
| Noncurrent loans to loans | 6.4272% | 944 |
| Net loans and leases to total assets | 57.1795% | 5,789 |
| Net loans and leases to deposits | 69.8689% | 5,622 |
| Net loans and leases to core deposits | 93.1043% | 4,770 |
| Total domestic deposits to total assets | 81.8382% | 5,018 |
| Equity capital to assets | 7.6285% | 6,923 |
| Core capital (leverage) ratio | 5.9658% | 7,639 |
| Tier 1 risk-based capital ratio | 8.9108% | 7,507 |
| Total risk-based capital ratio | 10.1921% | 7,516 |
| Memoranda: | ||
| Average total assets | $1,913,224,600 | 364 |
| Average earning assets | $1,734,168,200 | 371 |
| Average equity | $155,876,600 | 436 |
| Average total loans | $1,227,358,400 | 398 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 7,243 |
| Cost of funding earning assets | 2.0338% | 3,194 |
| Net interest margin | 2.6923% | 7,224 |
| Noninterest income to average assets | 0.6679% | 3,235 |
| Noninterest expense to average assets | 7.4631% | 175 |
| Loan and lease loss provision to assets | 5.2731% | 155 |
| Net operating income to assets | -7.5991% | 7,999 |
| Return on assets (ROA) | -7.5209% | 7,995 |
| Pretax return on assets | -9.5308% | 8,035 |
| Return on Equity (ROE) | -90.9389% | 7,992 |
| Retained earnings to average equity (ytd only) | -90.9389% | 7,991 |
| Net charge-offs to loans | 5.5232% | 176 |
| Credit loss provision to net charge-offs | 146.3321% | 3,323 |
| Earnings coverage of net charge-offs (x) | -1.2076% | 6,658 |
| Efficiency ratio | 91.4515% | 1,581 |
| Assets per employee ($millions) | 3.8081% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8092% | 335 |
| Loan loss allowance to noncurrent loans | 74.9570% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 4.2559% | 1,469 |
| Noncurrent loans to loans | 5.0819% | 1,281 |
| Net loans and leases to total assets | 64.6415% | 4,725 |
| Net loans and leases to deposits | 80.3683% | 4,324 |
| Net loans and leases to core deposits | 107.3456% | 3,554 |
| Total domestic deposits to total assets | 80.4316% | 5,280 |
| Equity capital to assets | 7.9927% | 6,854 |
| Core capital (leverage) ratio | 5.8608% | 7,825 |
| Tier 1 risk-based capital ratio | 8.8089% | 7,678 |
| Total risk-based capital ratio | 10.0888% | 7,698 |
| Memoranda: | ||
| Average total assets | $1,933,300,500 | 373 |
| Average earning assets | $1,754,861,500 | 379 |
| Average equity | $159,889,500 | 442 |
| Average total loans | $1,261,328,750 | 407 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 7,449 |
| Cost of funding earning assets | 2.0438% | 3,551 |
| Net interest margin | 2.6159% | 7,339 |
| Noninterest income to average assets | 0.9280% | 1,858 |
| Noninterest expense to average assets | 9.6237% | 120 |
| Loan and lease loss provision to assets | 5.5964% | 161 |
| Net operating income to assets | -9.7999% | 8,114 |
| Return on assets (ROA) | -9.7884% | 8,110 |
| Pretax return on assets | -11.9066% | 8,135 |
| Return on Equity (ROE) | -117.2014% | 8,097 |
| Retained earnings to average equity (ytd only) | -117.2014% | 8,096 |
| Net charge-offs to loans | 4.6199% | 279 |
| Credit loss provision to net charge-offs | 187.3270% | 2,448 |
| Earnings coverage of net charge-offs (x) | -2.1169% | 6,360 |
| Efficiency ratio | 87.5186% | 2,072 |
| Assets per employee ($millions) | 3.8826% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7551% | 310 |
| Loan loss allowance to noncurrent loans | 64.1768% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 4.5641% | 1,218 |
| Noncurrent loans to loans | 5.8512% | 952 |
| Net loans and leases to total assets | 61.0754% | 5,505 |
| Net loans and leases to deposits | 77.4835% | 4,944 |
| Net loans and leases to core deposits | 106.6146% | 3,764 |
| Total domestic deposits to total assets | 78.8238% | 5,855 |
| Equity capital to assets | 7.2292% | 7,465 |
| Core capital (leverage) ratio | 5.8633% | 7,948 |
| Tier 1 risk-based capital ratio | 9.0015% | 7,696 |
| Total risk-based capital ratio | 10.1440% | 7,786 |
| Memoranda: | ||
| Average total assets | $1,992,557,000 | 375 |
| Average earning assets | $1,806,521,000 | 371 |
| Average equity | $166,414,330 | 428 |
| Average total loans | $1,288,525,000 | 409 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 7,394 |
| Cost of funding earning assets | 1.9881% | 4,192 |
| Net interest margin | 2.7955% | 6,998 |
| Noninterest income to average assets | 1.0808% | 1,279 |
| Noninterest expense to average assets | 16.1515% | 66 |
| Loan and lease loss provision to assets | 6.5245% | 108 |
| Net operating income to assets | -16.7110% | 8,213 |
| Return on assets (ROA) | -16.6999% | 8,206 |
| Pretax return on assets | -19.0575% | 8,209 |
| Return on Equity (ROE) | -187.6453% | 8,190 |
| Retained earnings to average equity (ytd only) | -187.6453% | 8,188 |
| Net charge-offs to loans | 4.4048% | 262 |
| Credit loss provision to net charge-offs | 226.9868% | 2,014 |
| Earnings coverage of net charge-offs (x) | -4.3646% | 5,554 |
| Efficiency ratio | 78.1233% | 3,145 |
| Assets per employee ($millions) | 3.8822% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0207% | 470 |
| Loan loss allowance to noncurrent loans | 88.4265% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 3.0919% | 1,825 |
| Noncurrent loans to loans | 3.4160% | 1,872 |
| Net loans and leases to total assets | 61.1741% | 5,472 |
| Net loans and leases to deposits | 78.2601% | 4,882 |
| Net loans and leases to core deposits | 114.4266% | 2,966 |
| Total domestic deposits to total assets | 78.1677% | 5,951 |
| Equity capital to assets | 7.4429% | 7,402 |
| Core capital (leverage) ratio | 7.1835% | 7,498 |
| Tier 1 risk-based capital ratio | 10.5416% | 6,355 |
| Total risk-based capital ratio | 11.7108% | 6,350 |
| Memoranda: | ||
| Average total assets | $2,008,486,500 | 377 |
| Average earning assets | $1,814,212,500 | 370 |
| Average equity | $178,750,000 | 397 |
| Average total loans | $1,310,674,000 | 406 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8448% | 6,278 |
| Cost of funding earning assets | 2.5839% | 3,774 |
| Net interest margin | 3.2608% | 6,178 |
| Noninterest income to average assets | 0.9591% | 1,730 |
| Noninterest expense to average assets | 2.7621% | 5,001 |
| Loan and lease loss provision to assets | 1.4460% | 950 |
| Net operating income to assets | -0.1271% | 6,531 |
| Return on assets (ROA) | -0.1132% | 6,367 |
| Pretax return on assets | -0.3324% | 6,490 |
| Return on Equity (ROE) | -1.0726% | 6,377 |
| Retained earnings to average equity (ytd only) | -4.2100% | 6,366 |
| Net charge-offs to loans | 1.6925% | 654 |
| Credit loss provision to net charge-offs | 125.4617% | 4,257 |
| Earnings coverage of net charge-offs (x) | 0.9474% | 5,659 |
| Efficiency ratio | 70.5001% | 4,247 |
| Assets per employee ($millions) | 3.8723% | 3,806 |
| Cash dividends to net income (ytd only)* | -292.4967% | 8,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 2,395 |
| Loan loss allowance to noncurrent loans | 65.5494% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 2.5578% | 1,891 |
| Noncurrent loans to loans | 2.3808% | 2,310 |
| Net loans and leases to total assets | 66.4717% | 4,759 |
| Net loans and leases to deposits | 89.4705% | 3,539 |
| Net loans and leases to core deposits | 126.2851% | 2,139 |
| Total domestic deposits to total assets | 74.2946% | 6,603 |
| Equity capital to assets | 10.4178% | 3,593 |
| Core capital (leverage) ratio | 7.0448% | 7,659 |
| Tier 1 risk-based capital ratio | 9.2959% | 7,527 |
| Total risk-based capital ratio | 10.4216% | 7,607 |
| Memoranda: | ||
| Average total assets | $1,977,794,400 | 367 |
| Average earning assets | $1,755,812,600 | 370 |
| Average equity | $208,739,200 | 361 |
| Average total loans | $1,346,811,800 | 387 |