Home > Chase Bank USA > Performance and Condition Ratios
Chase Bank USA, Performance and Condition Ratios
| 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 | 11.6274% | 18 |
| Cost of funding earning assets | 2.1756% | 21 |
| Net interest margin | 9.4518% | 20 |
| Noninterest income to average assets | 1.8002% | 284 |
| Noninterest expense to average assets | 4.3758% | 343 |
| Loan and lease loss provision to assets | 2.3843% | 33 |
| Net operating income to assets | 2.4935% | 164 |
| Return on assets (ROA) | 2.4935% | 174 |
| Pretax return on assets | 3.0073% | 128 |
| Return on Equity (ROE) | 9.2728% | 2,682 |
| Retained earnings to average equity (ytd only) | 3.8352% | 3,385 |
| Net charge-offs to loans | 3.0713% | 32 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 2.2613% | 2,511 |
| Efficiency ratio | 44.7187% | 5,081 |
| Assets per employee ($millions) | 19.6407% | 52 |
| Cash dividends to net income (ytd only)* | 58.6399% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4172% | 91 |
| Loan loss allowance to noncurrent loans | 366.1519% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 2,046 |
| Noncurrent loans to loans | 0.9333% | 1,798 |
| Net loans and leases to total assets | 70.9179% | 2,339 |
| Net loans and leases to deposits | 185.5642% | 7 |
| Net loans and leases to core deposits | 31,380.5859% | 3 |
| Total domestic deposits to total assets | 38.2174% | 5,324 |
| Equity capital to assets | 26.1418% | 102 |
| Core capital (leverage) ratio | 19.7040% | 248 |
| Tier 1 risk-based capital ratio | 14.3120% | 3,186 |
| Total risk-based capital ratio | 16.3865% | 2,735 |
| Memoranda: | ||
| Average total assets | $136,781,905,000 | 21 |
| Average earning assets | $115,297,687,500 | 24 |
| Average equity | $36,781,406,000 | 9 |
| Average total loans | $106,186,761,000 | 13 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.3365% | 15 |
| Cost of funding earning assets | 1.7799% | 31 |
| Net interest margin | 9.5567% | 17 |
| Noninterest income to average assets | 1.6646% | 346 |
| Noninterest expense to average assets | 4.3641% | 341 |
| Loan and lease loss provision to assets | 2.4522% | 27 |
| Net operating income to assets | 2.3584% | 192 |
| Return on assets (ROA) | 2.3584% | 187 |
| Pretax return on assets | 2.8134% | 129 |
| Return on Equity (ROE) | 8.8788% | 3,050 |
| Retained earnings to average equity (ytd only) | 6.0511% | 2,168 |
| Net charge-offs to loans | 3.0143% | 35 |
| Credit loss provision to net charge-offs | 103.9614% | 2,443 |
| Earnings coverage of net charge-offs (x) | 2.2324% | 3,545 |
| Efficiency ratio | 45.2317% | 5,141 |
| Assets per employee ($millions) | 16.5279% | 82 |
| Cash dividends to net income (ytd only)* | 31.8474% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2674% | 102 |
| Loan loss allowance to noncurrent loans | 367.6684% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 1,897 |
| Noncurrent loans to loans | 0.8887% | 1,815 |
| Net loans and leases to total assets | 79.4460% | 1,029 |
| Net loans and leases to deposits | 214.1725% | 6 |
| Net loans and leases to core deposits | 32,308.5503% | 4 |
| Total domestic deposits to total assets | 37.0944% | 5,369 |
| Equity capital to assets | 27.6913% | 82 |
| Core capital (leverage) ratio | 20.0748% | 230 |
| Tier 1 risk-based capital ratio | 13.5815% | 3,505 |
| Total risk-based capital ratio | 15.5876% | 3,060 |
| Memoranda: | ||
| Average total assets | $133,139,177,800 | 20 |
| Average earning assets | $110,965,998,000 | 24 |
| Average equity | $35,364,920,600 | 9 |
| Average total loans | $104,183,975,800 | 12 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1334% | 16 |
| Cost of funding earning assets | 1.7175% | 26 |
| Net interest margin | 9.4159% | 18 |
| Noninterest income to average assets | 1.5820% | 391 |
| Noninterest expense to average assets | 4.3534% | 340 |
| Loan and lease loss provision to assets | 2.4348% | 29 |
| Net operating income to assets | 1.9284% | 450 |
| Return on assets (ROA) | 1.9284% | 448 |
| Pretax return on assets | 2.6169% | 189 |
| Return on Equity (ROE) | 7.3371% | 3,806 |
| Retained earnings to average equity (ytd only) | 5.4354% | 2,991 |
| Net charge-offs to loans | 3.0811% | 32 |
| Credit loss provision to net charge-offs | 102.2417% | 2,226 |
| Earnings coverage of net charge-offs (x) | 2.1213% | 3,280 |
| Efficiency ratio | 46.1975% | 5,139 |
| Assets per employee ($millions) | 16.1040% | 83 |
| Cash dividends to net income (ytd only)* | 25.9194% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3761% | 94 |
| Loan loss allowance to noncurrent loans | 410.3463% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 2,256 |
| Noncurrent loans to loans | 0.8227% | 2,060 |
| Net loans and leases to total assets | 75.7667% | 1,692 |
| Net loans and leases to deposits | 207.1466% | 5 |
| Net loans and leases to core deposits | 31,163.7694% | 4 |
| Total domestic deposits to total assets | 36.5763% | 5,444 |
| Equity capital to assets | 27.3349% | 89 |
| Core capital (leverage) ratio | 19.8744% | 240 |
| Tier 1 risk-based capital ratio | 12.6998% | 4,081 |
| Total risk-based capital ratio | 14.6210% | 3,623 |
| Memoranda: | ||
| Average total assets | $133,376,509,500 | 21 |
| Average earning assets | $110,815,748,750 | 22 |
| Average equity | $35,054,882,000 | 9 |
| Average total loans | $103,088,256,250 | 12 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8438% | 20 |
| Cost of funding earning assets | 1.6389% | 25 |
| Net interest margin | 9.2048% | 23 |
| Noninterest income to average assets | 1.4796% | 437 |
| Noninterest expense to average assets | 4.3992% | 327 |
| Loan and lease loss provision to assets | 2.3620% | 27 |
| Net operating income to assets | 1.7547% | 643 |
| Return on assets (ROA) | 1.7547% | 646 |
| Pretax return on assets | 2.3880% | 278 |
| Return on Equity (ROE) | 6.7646% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.8890% | 3,661 |
| Net charge-offs to loans | 3.1823% | 30 |
| Credit loss provision to net charge-offs | 96.4899% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1.9404% | 3,011 |
| Efficiency ratio | 47.9887% | 5,119 |
| Assets per employee ($millions) | 15.1766% | 97 |
| Cash dividends to net income (ytd only)* | 42.5096% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3067% | 104 |
| Loan loss allowance to noncurrent loans | 403.7108% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.6443% | 2,298 |
| Noncurrent loans to loans | 0.8191% | 2,087 |
| Net loans and leases to total assets | 76.0596% | 1,629 |
| Net loans and leases to deposits | 231.3368% | 4 |
| Net loans and leases to core deposits | 29,990.3254% | 4 |
| Total domestic deposits to total assets | 32.8783% | 5,507 |
| Equity capital to assets | 27.1612% | 89 |
| Core capital (leverage) ratio | 19.6629% | 239 |
| Tier 1 risk-based capital ratio | 12.6024% | 4,127 |
| Total risk-based capital ratio | 14.5674% | 3,645 |
| Memoranda: | ||
| Average total assets | $134,064,569,000 | 20 |
| Average earning assets | $111,705,567,000 | 21 |
| Average equity | $34,775,123,670 | 9 |
| Average total loans | $103,128,601,000 | 12 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6637% | 20 |
| Cost of funding earning assets | 1.5425% | 36 |
| Net interest margin | 9.1212% | 21 |
| Noninterest income to average assets | 1.7900% | 316 |
| Noninterest expense to average assets | 4.3252% | 345 |
| Loan and lease loss provision to assets | 2.1356% | 30 |
| Net operating income to assets | 2.2106% | 241 |
| Return on assets (ROA) | 2.2106% | 241 |
| Pretax return on assets | 2.9570% | 119 |
| Return on Equity (ROE) | 8.7171% | 3,045 |
| Retained earnings to average equity (ytd only) | 2.9355% | 4,025 |
| Net charge-offs to loans | 3.1839% | 32 |
| Credit loss provision to net charge-offs | 88.1396% | 1,680 |
| Earnings coverage of net charge-offs (x) | 2.1018% | 2,493 |
| Efficiency ratio | 45.8337% | 5,283 |
| Assets per employee ($millions) | 14.5859% | 107 |
| Cash dividends to net income (ytd only)* | 66.3254% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3945% | 98 |
| Loan loss allowance to noncurrent loans | 365.2914% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 2,181 |
| Noncurrent loans to loans | 0.9293% | 1,960 |
| Net loans and leases to total assets | 74.2352% | 1,820 |
| Net loans and leases to deposits | 225.1435% | 5 |
| Net loans and leases to core deposits | 29,155.0686% | 4 |
| Total domestic deposits to total assets | 32.9724% | 5,571 |
| Equity capital to assets | 26.9113% | 85 |
| Core capital (leverage) ratio | 18.1800% | 302 |
| Tier 1 risk-based capital ratio | 11.8107% | 4,676 |
| Total risk-based capital ratio | 14.2909% | 3,842 |
| Memoranda: | ||
| Average total assets | $136,406,603,000 | 18 |
| Average earning assets | $114,073,133,500 | 21 |
| Average equity | $34,592,031,500 | 9 |
| Average total loans | $103,807,091,500 | 12 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1272% | 21 |
| Cost of funding earning assets | 1.3424% | 43 |
| Net interest margin | 8.7848% | 23 |
| Noninterest income to average assets | 0.9987% | 1,021 |
| Noninterest expense to average assets | 3.9864% | 545 |
| Loan and lease loss provision to assets | 2.5289% | 27 |
| Net operating income to assets | 0.5201% | 4,323 |
| Return on assets (ROA) | 0.5201% | 4,359 |
| Pretax return on assets | 1.8335% | 729 |
| Return on Equity (ROE) | 2.2273% | 5,015 |
| Retained earnings to average equity (ytd only) | 2.2273% | 3,989 |
| Net charge-offs to loans | 2.8631% | 46 |
| Credit loss provision to net charge-offs | 115.7914% | 2,265 |
| Earnings coverage of net charge-offs (x) | 1.9974% | 3,817 |
| Efficiency ratio | 47.6417% | 5,338 |
| Assets per employee ($millions) | 15.2849% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1926% | 117 |
| Loan loss allowance to noncurrent loans | 362.1798% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 2,320 |
| Noncurrent loans to loans | 0.8815% | 2,021 |
| Net loans and leases to total assets | 73.0267% | 2,088 |
| Net loans and leases to deposits | 199.2042% | 6 |
| Net loans and leases to core deposits | 33,204.3274% | 4 |
| Total domestic deposits to total assets | 36.6592% | 5,633 |
| Equity capital to assets | 23.9673% | 117 |
| Core capital (leverage) ratio | 17.0726% | 367 |
| Tier 1 risk-based capital ratio | 11.3371% | 4,958 |
| Total risk-based capital ratio | 13.7778% | 4,087 |
| Memoranda: | ||
| Average total assets | $136,566,925,200 | 17 |
| Average earning assets | $114,263,992,000 | 21 |
| Average equity | $31,889,776,400 | 9 |
| Average total loans | $104,175,558,600 | 11 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0964% | 21 |
| Cost of funding earning assets | 1.3172% | 42 |
| Net interest margin | 8.7792% | 23 |
| Noninterest income to average assets | 1.0056% | 1,012 |
| Noninterest expense to average assets | 3.9911% | 523 |
| Loan and lease loss provision to assets | 2.5838% | 28 |
| Net operating income to assets | 1.0625% | 2,271 |
| Return on assets (ROA) | 1.0625% | 2,305 |
| Pretax return on assets | 1.7677% | 964 |
| Return on Equity (ROE) | 4.5822% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.5822% | 3,157 |
| Net charge-offs to loans | 2.8677% | 47 |
| Credit loss provision to net charge-offs | 117.7677% | 2,034 |
| Earnings coverage of net charge-offs (x) | 1.9834% | 3,520 |
| Efficiency ratio | 47.7335% | 5,357 |
| Assets per employee ($millions) | 14.3699% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2716% | 115 |
| Loan loss allowance to noncurrent loans | 398.3007% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 2,623 |
| Noncurrent loans to loans | 0.8214% | 2,314 |
| Net loans and leases to total assets | 74.0802% | 1,898 |
| Net loans and leases to deposits | 226.5895% | 5 |
| Net loans and leases to core deposits | 31,882.4740% | 4 |
| Total domestic deposits to total assets | 32.6936% | 5,704 |
| Equity capital to assets | 24.2907% | 116 |
| Core capital (leverage) ratio | 16.2106% | 462 |
| Tier 1 risk-based capital ratio | 10.4364% | 5,472 |
| Total risk-based capital ratio | 12.8490% | 4,772 |
| Memoranda: | ||
| Average total assets | $134,758,455,500 | 17 |
| Average earning assets | $112,620,079,500 | 21 |
| Average equity | $31,245,945,000 | 9 |
| Average total loans | $103,100,381,500 | 11 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8842% | 23 |
| Cost of funding earning assets | 1.2567% | 48 |
| Net interest margin | 8.6275% | 25 |
| Noninterest income to average assets | 0.7752% | 1,665 |
| Noninterest expense to average assets | 4.0312% | 507 |
| Loan and lease loss provision to assets | 2.4761% | 31 |
| Net operating income to assets | 0.8827% | 3,005 |
| Return on assets (ROA) | 0.8827% | 3,065 |
| Pretax return on assets | 1.4825% | 1,708 |
| Return on Equity (ROE) | 3.8687% | 4,855 |
| Retained earnings to average equity (ytd only) | 3.8687% | 3,391 |
| Net charge-offs to loans | 2.8781% | 47 |
| Credit loss provision to net charge-offs | 112.4853% | 1,860 |
| Earnings coverage of net charge-offs (x) | 1.7983% | 3,243 |
| Efficiency ratio | 50.3478% | 5,284 |
| Assets per employee ($millions) | 14.2113% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0854% | 150 |
| Loan loss allowance to noncurrent loans | 398.3906% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 2,798 |
| Noncurrent loans to loans | 0.7745% | 2,469 |
| Net loans and leases to total assets | 73.9843% | 1,867 |
| Net loans and leases to deposits | 238.4332% | 6 |
| Net loans and leases to core deposits | 32,128.3946% | 5 |
| Total domestic deposits to total assets | 31.0294% | 5,753 |
| Equity capital to assets | 23.9811% | 114 |
| Core capital (leverage) ratio | 15.9890% | 479 |
| Tier 1 risk-based capital ratio | 10.1217% | 5,600 |
| Total risk-based capital ratio | 12.5173% | 4,992 |
| Memoranda: | ||
| Average total assets | $134,628,264,000 | 17 |
| Average earning assets | $112,580,124,000 | 20 |
| Average equity | $30,718,366,670 | 9 |
| Average total loans | $102,965,547,000 | 11 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8756% | 22 |
| Cost of funding earning assets | 1.1987% | 57 |
| Net interest margin | 8.6768% | 26 |
| Noninterest income to average assets | 0.3972% | 3,679 |
| Noninterest expense to average assets | 4.0009% | 539 |
| Loan and lease loss provision to assets | 2.1650% | 35 |
| Net operating income to assets | 0.8816% | 2,852 |
| Return on assets (ROA) | 0.8816% | 2,904 |
| Pretax return on assets | 1.4769% | 1,615 |
| Return on Equity (ROE) | 3.9650% | 4,795 |
| Retained earnings to average equity (ytd only) | 3.9650% | 3,465 |
| Net charge-offs to loans | 2.8281% | 57 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 1.6822% | 2,697 |
| Efficiency ratio | 52.2528% | 5,255 |
| Assets per employee ($millions) | 14.0507% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9928% | 180 |
| Loan loss allowance to noncurrent loans | 358.5969% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 2,748 |
| Noncurrent loans to loans | 0.8346% | 2,371 |
| Net loans and leases to total assets | 73.0295% | 1,908 |
| Net loans and leases to deposits | 262.5428% | 7 |
| Net loans and leases to core deposits | 30,172.2087% | 6 |
| Total domestic deposits to total assets | 27.8162% | 5,824 |
| Equity capital to assets | 22.6277% | 137 |
| Core capital (leverage) ratio | 13.9618% | 856 |
| Tier 1 risk-based capital ratio | 9.0909% | 5,801 |
| Total risk-based capital ratio | 11.5487% | 5,559 |
| Memoranda: | ||
| Average total assets | $134,495,565,500 | 17 |
| Average earning assets | $112,310,758,500 | 20 |
| Average equity | $29,903,034,000 | 9 |
| Average total loans | $102,959,632,500 | 11 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7940% | 30 |
| Cost of funding earning assets | 0.8643% | 356 |
| Net interest margin | 7.9297% | 30 |
| Noninterest income to average assets | 1.3051% | 669 |
| Noninterest expense to average assets | 4.5280% | 365 |
| Loan and lease loss provision to assets | 2.0181% | 40 |
| Net operating income to assets | 0.9607% | 2,535 |
| Return on assets (ROA) | 0.9607% | 2,640 |
| Pretax return on assets | 1.5121% | 1,548 |
| Return on Equity (ROE) | 4.6642% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.6642% | 2,575 |
| Net charge-offs to loans | 2.5734% | 47 |
| Credit loss provision to net charge-offs | 111.1062% | 2,362 |
| Earnings coverage of net charge-offs (x) | 1.9435% | 3,917 |
| Efficiency ratio | 56.1028% | 5,060 |
| Assets per employee ($millions) | 14.1548% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8245% | 213 |
| Loan loss allowance to noncurrent loans | 363.7972% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 2,914 |
| Noncurrent loans to loans | 0.7764% | 2,581 |
| Net loans and leases to total assets | 75.5936% | 1,585 |
| Net loans and leases to deposits | 290.6488% | 6 |
| Net loans and leases to core deposits | 33,599.3871% | 3 |
| Total domestic deposits to total assets | 26.0086% | 5,883 |
| Equity capital to assets | 21.8490% | 154 |
| Core capital (leverage) ratio | 13.9514% | 829 |
| Tier 1 risk-based capital ratio | 9.0054% | 5,854 |
| Total risk-based capital ratio | 11.5004% | 5,620 |
| Memoranda: | ||
| Average total assets | $141,232,169,200 | 16 |
| Average earning assets | $120,277,958,600 | 19 |
| Average equity | $29,090,888,800 | 9 |
| Average total loans | $99,687,410,600 | 11 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5365% | 33 |
| Cost of funding earning assets | 0.8072% | 489 |
| Net interest margin | 7.7293% | 34 |
| Noninterest income to average assets | 1.5966% | 481 |
| Noninterest expense to average assets | 4.6784% | 331 |
| Loan and lease loss provision to assets | 1.9738% | 39 |
| Net operating income to assets | 0.9697% | 2,571 |
| Return on assets (ROA) | 0.9697% | 2,708 |
| Pretax return on assets | 1.5636% | 1,486 |
| Return on Equity (ROE) | 4.7772% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.7772% | 2,975 |
| Net charge-offs to loans | 2.5716% | 45 |
| Credit loss provision to net charge-offs | 111.4613% | 2,209 |
| Earnings coverage of net charge-offs (x) | 1.9976% | 3,629 |
| Efficiency ratio | 56.8586% | 4,974 |
| Assets per employee ($millions) | 13.7282% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9130% | 211 |
| Loan loss allowance to noncurrent loans | 408.3610% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 3,269 |
| Noncurrent loans to loans | 0.7133% | 2,899 |
| Net loans and leases to total assets | 74.5746% | 1,778 |
| Net loans and leases to deposits | 346.3612% | 6 |
| Net loans and leases to core deposits | 33,545.4437% | 4 |
| Total domestic deposits to total assets | 21.5309% | 5,953 |
| Equity capital to assets | 22.4989% | 149 |
| Core capital (leverage) ratio | 13.6791% | 949 |
| Tier 1 risk-based capital ratio | 8.9785% | 5,921 |
| Total risk-based capital ratio | 11.4940% | 5,659 |
| Memoranda: | ||
| Average total assets | $142,494,290,250 | 16 |
| Average earning assets | $122,027,432,000 | 18 |
| Average equity | $28,924,904,000 | 9 |
| Average total loans | $98,124,654,500 | 11 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1863% | 36 |
| Cost of funding earning assets | 0.7135% | 749 |
| Net interest margin | 7.4729% | 36 |
| Noninterest income to average assets | 1.6773% | 445 |
| Noninterest expense to average assets | 4.5112% | 385 |
| Loan and lease loss provision to assets | 1.7954% | 47 |
| Net operating income to assets | 1.1366% | 1,821 |
| Return on assets (ROA) | 1.1366% | 1,936 |
| Pretax return on assets | 1.8213% | 844 |
| Return on Equity (ROE) | 5.7857% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.7857% | 2,247 |
| Net charge-offs to loans | 2.6118% | 56 |
| Credit loss provision to net charge-offs | 103.3746% | 2,047 |
| Earnings coverage of net charge-offs (x) | 2.0824% | 3,330 |
| Efficiency ratio | 55.4199% | 5,206 |
| Assets per employee ($millions) | 15.6752% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8205% | 247 |
| Loan loss allowance to noncurrent loans | 411.1396% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 3,688 |
| Noncurrent loans to loans | 0.6860% | 3,018 |
| Net loans and leases to total assets | 64.4891% | 3,293 |
| Net loans and leases to deposits | 155.7750% | 9 |
| Net loans and leases to core deposits | 391.6835% | 20 |
| Total domestic deposits to total assets | 41.3989% | 6,015 |
| Equity capital to assets | 19.8725% | 226 |
| Core capital (leverage) ratio | 12.3816% | 1,412 |
| Tier 1 risk-based capital ratio | 9.1056% | 5,993 |
| Total risk-based capital ratio | 11.6784% | 5,622 |
| Memoranda: | ||
| Average total assets | $146,428,148,330 | 15 |
| Average earning assets | $126,398,259,330 | 16 |
| Average equity | $28,765,082,330 | 9 |
| Average total loans | $97,370,250,000 | 11 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2597% | 37 |
| Cost of funding earning assets | 0.5675% | 1,565 |
| Net interest margin | 7.6922% | 37 |
| Noninterest income to average assets | 1.7339% | 416 |
| Noninterest expense to average assets | 4.7661% | 322 |
| Loan and lease loss provision to assets | 1.6273% | 53 |
| Net operating income to assets | 1.0542% | 2,069 |
| Return on assets (ROA) | 1.0542% | 2,177 |
| Pretax return on assets | 1.9919% | 580 |
| Return on Equity (ROE) | 5.3979% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.3979% | 2,715 |
| Net charge-offs to loans | 2.5930% | 50 |
| Credit loss provision to net charge-offs | 94.2783% | 1,723 |
| Earnings coverage of net charge-offs (x) | 2.0968% | 2,729 |
| Efficiency ratio | 56.7571% | 5,122 |
| Assets per employee ($millions) | 15.1639% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8345% | 261 |
| Loan loss allowance to noncurrent loans | 387.1898% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 3,670 |
| Noncurrent loans to loans | 0.7321% | 3,005 |
| Net loans and leases to total assets | 64.0714% | 3,234 |
| Net loans and leases to deposits | 156.6731% | 8 |
| Net loans and leases to core deposits | 435.9272% | 19 |
| Total domestic deposits to total assets | 40.8949% | 6,080 |
| Equity capital to assets | 20.1188% | 211 |
| Core capital (leverage) ratio | 11.9780% | 1,622 |
| Tier 1 risk-based capital ratio | 8.7602% | 6,064 |
| Total risk-based capital ratio | 11.3153% | 5,837 |
| Memoranda: | ||
| Average total assets | $146,172,634,500 | 14 |
| Average earning assets | $126,396,680,500 | 16 |
| Average equity | $28,547,416,000 | 9 |
| Average total loans | $97,300,334,000 | 11 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3250% | 34 |
| Cost of funding earning assets | 0.4426% | 2,712 |
| Net interest margin | 7.8823% | 33 |
| Noninterest income to average assets | 1.9943% | 361 |
| Noninterest expense to average assets | 4.5764% | 389 |
| Loan and lease loss provision to assets | 1.7193% | 40 |
| Net operating income to assets | 1.6103% | 689 |
| Return on assets (ROA) | 1.6103% | 713 |
| Pretax return on assets | 2.4992% | 207 |
| Return on Equity (ROE) | 8.1812% | 2,850 |
| Retained earnings to average equity (ytd only) | 1.9377% | 4,627 |
| Net charge-offs to loans | 2.4871% | 49 |
| Credit loss provision to net charge-offs | 100.1634% | 2,500 |
| Earnings coverage of net charge-offs (x) | 2.4577% | 3,905 |
| Efficiency ratio | 51.9176% | 5,638 |
| Assets per employee ($millions) | 15.3006% | 76 |
| Cash dividends to net income (ytd only)* | 76.3153% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6882% | 321 |
| Loan loss allowance to noncurrent loans | 379.1688% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 3,722 |
| Noncurrent loans to loans | 0.7090% | 3,062 |
| Net loans and leases to total assets | 65.3576% | 3,075 |
| Net loans and leases to deposits | 150.3287% | 10 |
| Net loans and leases to core deposits | 583.0921% | 14 |
| Total domestic deposits to total assets | 43.4765% | 6,135 |
| Equity capital to assets | 18.9667% | 249 |
| Core capital (leverage) ratio | 11.4936% | 1,962 |
| Tier 1 risk-based capital ratio | 8.4824% | 6,128 |
| Total risk-based capital ratio | 11.0405% | 5,968 |
| Memoranda: | ||
| Average total assets | $142,402,198,400 | 14 |
| Average earning assets | $122,860,444,600 | 16 |
| Average equity | $28,029,237,400 | 9 |
| Average total loans | $98,278,914,200 | 11 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3503% | 36 |
| Cost of funding earning assets | 0.4348% | 2,854 |
| Net interest margin | 7.9155% | 32 |
| Noninterest income to average assets | 2.0527% | 347 |
| Noninterest expense to average assets | 4.5443% | 396 |
| Loan and lease loss provision to assets | 1.7529% | 25 |
| Net operating income to assets | 1.6831% | 650 |
| Return on assets (ROA) | 1.6831% | 672 |
| Pretax return on assets | 2.5757% | 215 |
| Return on Equity (ROE) | 8.4689% | 2,837 |
| Retained earnings to average equity (ytd only) | 1.3137% | 5,192 |
| Net charge-offs to loans | 2.5164% | 43 |
| Credit loss provision to net charge-offs | 100.2165% | 2,256 |
| Earnings coverage of net charge-offs (x) | 2.4748% | 3,668 |
| Efficiency ratio | 51.0844% | 5,717 |
| Assets per employee ($millions) | 14.6368% | 89 |
| Cash dividends to net income (ytd only)* | 84.4873% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7928% | 305 |
| Loan loss allowance to noncurrent loans | 429.7848% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4314% | 4,056 |
| Noncurrent loans to loans | 0.6498% | 3,379 |
| Net loans and leases to total assets | 64.5298% | 3,221 |
| Net loans and leases to deposits | 155.2774% | 10 |
| Net loans and leases to core deposits | 550.3220% | 18 |
| Total domestic deposits to total assets | 41.5578% | 6,222 |
| Equity capital to assets | 19.2920% | 264 |
| Core capital (leverage) ratio | 11.4253% | 2,103 |
| Tier 1 risk-based capital ratio | 10.1831% | 5,982 |
| Total risk-based capital ratio | 13.2870% | 4,976 |
| Memoranda: | ||
| Average total assets | $140,646,309,500 | 14 |
| Average earning assets | $121,185,465,000 | 16 |
| Average equity | $27,951,249,000 | 9 |
| Average total loans | $97,758,910,500 | 11 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3361% | 36 |
| Cost of funding earning assets | 0.4185% | 3,051 |
| Net interest margin | 7.9175% | 32 |
| Noninterest income to average assets | 2.1249% | 340 |
| Noninterest expense to average assets | 4.5201% | 415 |
| Loan and lease loss provision to assets | 1.8002% | 29 |
| Net operating income to assets | 1.7588% | 559 |
| Return on assets (ROA) | 1.7588% | 585 |
| Pretax return on assets | 2.6174% | 212 |
| Return on Equity (ROE) | 8.7604% | 2,680 |
| Retained earnings to average equity (ytd only) | 1.5947% | 4,904 |
| Net charge-offs to loans | 2.5540% | 49 |
| Credit loss provision to net charge-offs | 99.8404% | 2,080 |
| Earnings coverage of net charge-offs (x) | 2.4501% | 3,340 |
| Efficiency ratio | 50.4077% | 5,829 |
| Assets per employee ($millions) | 14.5621% | 83 |
| Cash dividends to net income (ytd only)* | 81.7970% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7327% | 356 |
| Loan loss allowance to noncurrent loans | 441.2818% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 4,247 |
| Noncurrent loans to loans | 0.6193% | 3,613 |
| Net loans and leases to total assets | 65.1510% | 3,100 |
| Net loans and leases to deposits | 156.9331% | 11 |
| Net loans and leases to core deposits | 424.5814% | 23 |
| Total domestic deposits to total assets | 41.5152% | 6,296 |
| Equity capital to assets | 19.0537% | 266 |
| Core capital (leverage) ratio | 11.5918% | 1,929 |
| Tier 1 risk-based capital ratio | 9.5992% | 6,184 |
| Total risk-based capital ratio | 12.5745% | 5,495 |
| Memoranda: | ||
| Average total assets | $139,022,044,670 | 14 |
| Average earning assets | $119,624,389,670 | 16 |
| Average equity | $27,910,479,000 | 9 |
| Average total loans | $98,144,846,670 | 11 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6579% | 33 |
| Cost of funding earning assets | 0.3902% | 3,410 |
| Net interest margin | 8.2677% | 27 |
| Noninterest income to average assets | 2.0518% | 360 |
| Noninterest expense to average assets | 4.4226% | 451 |
| Loan and lease loss provision to assets | 1.9082% | 30 |
| Net operating income to assets | 1.8145% | 473 |
| Return on assets (ROA) | 1.8145% | 499 |
| Pretax return on assets | 2.8091% | 160 |
| Return on Equity (ROE) | 8.7940% | 2,548 |
| Retained earnings to average equity (ytd only) | 1.6141% | 4,831 |
| Net charge-offs to loans | 2.5464% | 60 |
| Credit loss provision to net charge-offs | 103.2711% | 1,576 |
| Earnings coverage of net charge-offs (x) | 2.5530% | 2,737 |
| Efficiency ratio | 48.1874% | 6,012 |
| Assets per employee ($millions) | 13.6837% | 103 |
| Cash dividends to net income (ytd only)* | 81.6460% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8024% | 366 |
| Loan loss allowance to noncurrent loans | 397.2024% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 4,067 |
| Noncurrent loans to loans | 0.7055% | 3,509 |
| Net loans and leases to total assets | 67.5621% | 2,519 |
| Net loans and leases to deposits | 172.1529% | 13 |
| Net loans and leases to core deposits | 636.4292% | 19 |
| Total domestic deposits to total assets | 39.2078% | 6,371 |
| Equity capital to assets | 20.0310% | 226 |
| Core capital (leverage) ratio | 11.7917% | 1,787 |
| Tier 1 risk-based capital ratio | 9.4893% | 6,273 |
| Total risk-based capital ratio | 12.4644% | 5,623 |
| Memoranda: | ||
| Average total assets | $135,001,919,000 | 15 |
| Average earning assets | $115,741,290,500 | 16 |
| Average equity | $27,855,305,000 | 9 |
| Average total loans | $97,965,034,500 | 11 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0958% | 28 |
| Cost of funding earning assets | 0.3704% | 4,038 |
| Net interest margin | 8.7254% | 26 |
| Noninterest income to average assets | 2.3051% | 263 |
| Noninterest expense to average assets | 5.2176% | 274 |
| Loan and lease loss provision to assets | 1.8391% | 38 |
| Net operating income to assets | 1.6662% | 619 |
| Return on assets (ROA) | 1.6662% | 644 |
| Pretax return on assets | 2.6543% | 154 |
| Return on Equity (ROE) | 8.1752% | 3,038 |
| Retained earnings to average equity (ytd only) | 8.1752% | 964 |
| Net charge-offs to loans | 2.7517% | 45 |
| Credit loss provision to net charge-offs | 90.9330% | 2,626 |
| Earnings coverage of net charge-offs (x) | 2.2217% | 4,217 |
| Efficiency ratio | 52.9414% | 5,916 |
| Assets per employee ($millions) | 12.7327% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7190% | 416 |
| Loan loss allowance to noncurrent loans | 384.4186% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5363% | 4,009 |
| Noncurrent loans to loans | 0.7073% | 3,558 |
| Net loans and leases to total assets | 73.7626% | 1,628 |
| Net loans and leases to deposits | 209.1340% | 11 |
| Net loans and leases to core deposits | 1,513.1371% | 11 |
| Total domestic deposits to total assets | 35.0215% | 6,466 |
| Equity capital to assets | 21.2756% | 179 |
| Core capital (leverage) ratio | 11.3620% | 2,080 |
| Tier 1 risk-based capital ratio | 9.2381% | 6,391 |
| Total risk-based capital ratio | 12.1893% | 5,862 |
| Memoranda: | ||
| Average total assets | $129,990,625,000 | 15 |
| Average earning assets | $110,331,484,400 | 16 |
| Average equity | $26,492,781,400 | 9 |
| Average total loans | $95,540,601,800 | 11 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0451% | 30 |
| Cost of funding earning assets | 0.3622% | 4,215 |
| Net interest margin | 8.6828% | 28 |
| Noninterest income to average assets | 2.2979% | 278 |
| Noninterest expense to average assets | 5.1613% | 275 |
| Loan and lease loss provision to assets | 1.9587% | 34 |
| Net operating income to assets | 1.5700% | 810 |
| Return on assets (ROA) | 1.5700% | 841 |
| Pretax return on assets | 2.5409% | 197 |
| Return on Equity (ROE) | 7.7894% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.7894% | 1,456 |
| Net charge-offs to loans | 2.8197% | 44 |
| Credit loss provision to net charge-offs | 95.2704% | 2,338 |
| Earnings coverage of net charge-offs (x) | 2.1886% | 3,972 |
| Efficiency ratio | 52.4189% | 5,961 |
| Assets per employee ($millions) | 13.8682% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9501% | 381 |
| Loan loss allowance to noncurrent loans | 434.2736% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 4,524 |
| Noncurrent loans to loans | 0.6793% | 3,910 |
| Net loans and leases to total assets | 65.4518% | 2,956 |
| Net loans and leases to deposits | 156.2855% | 16 |
| Net loans and leases to core deposits | 450.8022% | 23 |
| Total domestic deposits to total assets | 41.2644% | 6,541 |
| Equity capital to assets | 19.0452% | 268 |
| Core capital (leverage) ratio | 11.2831% | 2,229 |
| Tier 1 risk-based capital ratio | 9.0098% | 6,479 |
| Total risk-based capital ratio | 11.9776% | 6,067 |
| Memoranda: | ||
| Average total assets | $129,822,621,250 | 15 |
| Average earning assets | $110,088,563,000 | 16 |
| Average equity | $26,166,171,250 | 9 |
| Average total loans | $94,657,253,250 | 12 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3532% | 27 |
| Cost of funding earning assets | 0.3657% | 4,254 |
| Net interest margin | 8.9875% | 24 |
| Noninterest income to average assets | 2.3724% | 266 |
| Noninterest expense to average assets | 5.3616% | 251 |
| Loan and lease loss provision to assets | 1.9274% | 38 |
| Net operating income to assets | 1.5822% | 739 |
| Return on assets (ROA) | 1.5822% | 772 |
| Pretax return on assets | 2.6500% | 170 |
| Return on Equity (ROE) | 7.6896% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.6896% | 1,440 |
| Net charge-offs to loans | 2.9454% | 56 |
| Credit loss provision to net charge-offs | 87.2690% | 2,225 |
| Earnings coverage of net charge-offs (x) | 2.0726% | 3,650 |
| Efficiency ratio | 52.4825% | 6,032 |
| Assets per employee ($millions) | 12.6535% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9260% | 415 |
| Loan loss allowance to noncurrent loans | 417.8095% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 4,464 |
| Noncurrent loans to loans | 0.7003% | 3,953 |
| Net loans and leases to total assets | 71.2628% | 1,872 |
| Net loans and leases to deposits | 190.5545% | 11 |
| Net loans and leases to core deposits | 906.0320% | 17 |
| Total domestic deposits to total assets | 36.5397% | 6,610 |
| Equity capital to assets | 20.7550% | 187 |
| Core capital (leverage) ratio | 11.9491% | 1,688 |
| Tier 1 risk-based capital ratio | 8.7928% | 6,547 |
| Total risk-based capital ratio | 11.7935% | 6,176 |
| Memoranda: | ||
| Average total assets | $125,556,557,330 | 16 |
| Average earning assets | $105,706,883,330 | 17 |
| Average equity | $25,834,103,670 | 9 |
| Average total loans | $94,147,851,670 | 12 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5835% | 25 |
| Cost of funding earning assets | 0.3421% | 4,621 |
| Net interest margin | 9.2413% | 21 |
| Noninterest income to average assets | 2.2205% | 281 |
| Noninterest expense to average assets | 5.1107% | 298 |
| Loan and lease loss provision to assets | 1.7506% | 47 |
| Net operating income to assets | 1.9492% | 370 |
| Return on assets (ROA) | 1.9492% | 386 |
| Pretax return on assets | 3.1314% | 131 |
| Return on Equity (ROE) | 9.5161% | 2,245 |
| Retained earnings to average equity (ytd only) | 9.5161% | 1,101 |
| Net charge-offs to loans | 2.9594% | 65 |
| Credit loss provision to net charge-offs | 78.0413% | 1,919 |
| Earnings coverage of net charge-offs (x) | 2.1764% | 2,933 |
| Efficiency ratio | 49.6738% | 6,274 |
| Assets per employee ($millions) | 12.7438% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0356% | 414 |
| Loan loss allowance to noncurrent loans | 369.1674% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 4,349 |
| Noncurrent loans to loans | 0.8223% | 3,828 |
| Net loans and leases to total assets | 70.8319% | 1,748 |
| Net loans and leases to deposits | 191.8706% | 13 |
| Net loans and leases to core deposits | 1,214.4181% | 15 |
| Total domestic deposits to total assets | 35.4396% | 6,683 |
| Equity capital to assets | 20.5371% | 192 |
| Core capital (leverage) ratio | 12.1622% | 1,565 |
| Tier 1 risk-based capital ratio | 14.1399% | 4,230 |
| Total risk-based capital ratio | 20.2645% | 1,927 |
| Memoranda: | ||
| Average total assets | $124,188,035,000 | 16 |
| Average earning assets | $104,444,278,000 | 17 |
| Average equity | $25,437,495,500 | 9 |
| Average total loans | $94,131,133,500 | 12 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4413% | 22 |
| Cost of funding earning assets | 0.3905% | 4,750 |
| Net interest margin | 10.0508% | 18 |
| Noninterest income to average assets | 3.1627% | 213 |
| Noninterest expense to average assets | 5.8418% | 217 |
| Loan and lease loss provision to assets | 1.3775% | 112 |
| Net operating income to assets | 2.7407% | 133 |
| Return on assets (ROA) | 2.7407% | 135 |
| Pretax return on assets | 4.2473% | 68 |
| Return on Equity (ROE) | 14.1172% | 924 |
| Retained earnings to average equity (ytd only) | 14.1172% | 197 |
| Net charge-offs to loans | 3.2080% | 71 |
| Credit loss provision to net charge-offs | 54.0676% | 3,726 |
| Earnings coverage of net charge-offs (x) | 2.2078% | 4,289 |
| Efficiency ratio | 49.5122% | 6,419 |
| Assets per employee ($millions) | 11.9180% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0321% | 451 |
| Loan loss allowance to noncurrent loans | 370.2650% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 4,304 |
| Noncurrent loans to loans | 0.8189% | 3,929 |
| Net loans and leases to total assets | 76.2132% | 1,040 |
| Net loans and leases to deposits | 202.6650% | 11 |
| Net loans and leases to core deposits | 1,855.3965% | 12 |
| Total domestic deposits to total assets | 33.2463% | 6,765 |
| Equity capital to assets | 20.4280% | 192 |
| Core capital (leverage) ratio | 11.8073% | 1,749 |
| Tier 1 risk-based capital ratio | 12.8292% | 5,099 |
| Total risk-based capital ratio | 16.2286% | 3,624 |
| Memoranda: | ||
| Average total assets | $120,602,845,000 | 16 |
| Average earning assets | $99,640,085,200 | 17 |
| Average equity | $23,413,730,000 | 9 |
| Average total loans | $95,778,106,800 | 12 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5770% | 21 |
| Cost of funding earning assets | 0.4091% | 4,742 |
| Net interest margin | 10.1679% | 19 |
| Noninterest income to average assets | 2.7128% | 267 |
| Noninterest expense to average assets | 5.5759% | 239 |
| Loan and lease loss provision to assets | 1.3854% | 91 |
| Net operating income to assets | 2.5704% | 160 |
| Return on assets (ROA) | 2.5704% | 168 |
| Pretax return on assets | 4.1115% | 75 |
| Return on Equity (ROE) | 13.4198% | 1,134 |
| Retained earnings to average equity (ytd only) | 13.4198% | 296 |
| Net charge-offs to loans | 3.3040% | 64 |
| Credit loss provision to net charge-offs | 52.6605% | 3,444 |
| Earnings coverage of net charge-offs (x) | 2.0894% | 4,140 |
| Efficiency ratio | 48.8252% | 6,463 |
| Assets per employee ($millions) | 11.7091% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4097% | 368 |
| Loan loss allowance to noncurrent loans | 425.2104% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6190% | 4,582 |
| Noncurrent loans to loans | 0.8019% | 4,236 |
| Net loans and leases to total assets | 74.5661% | 1,199 |
| Net loans and leases to deposits | 196.9757% | 13 |
| Net loans and leases to core deposits | 1,996.6014% | 16 |
| Total domestic deposits to total assets | 29.6018% | 6,847 |
| Equity capital to assets | 19.7221% | 223 |
| Core capital (leverage) ratio | 10.9916% | 2,490 |
| Tier 1 risk-based capital ratio | 12.0529% | 5,751 |
| Total risk-based capital ratio | 15.4945% | 4,201 |
| Memoranda: | ||
| Average total assets | $119,993,235,250 | 16 |
| Average earning assets | $98,657,547,750 | 17 |
| Average equity | $22,983,434,250 | 9 |
| Average total loans | $95,546,161,750 | 12 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7232% | 20 |
| Cost of funding earning assets | 0.4332% | 4,625 |
| Net interest margin | 10.2899% | 17 |
| Noninterest income to average assets | 2.6741% | 294 |
| Noninterest expense to average assets | 5.7414% | 231 |
| Loan and lease loss provision to assets | 1.3565% | 106 |
| Net operating income to assets | 2.5191% | 169 |
| Return on assets (ROA) | 2.5191% | 182 |
| Pretax return on assets | 4.0030% | 84 |
| Return on Equity (ROE) | 13.2866% | 1,171 |
| Retained earnings to average equity (ytd only) | 13.2866% | 350 |
| Net charge-offs to loans | 3.4682% | 78 |
| Credit loss provision to net charge-offs | 48.6127% | 3,241 |
| Earnings coverage of net charge-offs (x) | 1.9206% | 3,879 |
| Efficiency ratio | 50.1072% | 6,424 |
| Assets per employee ($millions) | 11.5807% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6594% | 329 |
| Loan loss allowance to noncurrent loans | 436.6499% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 4,562 |
| Noncurrent loans to loans | 0.8381% | 4,239 |
| Net loans and leases to total assets | 76.4438% | 933 |
| Net loans and leases to deposits | 223.7008% | 10 |
| Net loans and leases to core deposits | 2,172.9401% | 16 |
| Total domestic deposits to total assets | 29.6935% | 6,898 |
| Equity capital to assets | 19.4186% | 238 |
| Core capital (leverage) ratio | 10.7010% | 2,666 |
| Tier 1 risk-based capital ratio | 11.0299% | 6,320 |
| Total risk-based capital ratio | 14.4355% | 4,942 |
| Memoranda: | ||
| Average total assets | $119,180,716,000 | 16 |
| Average earning assets | $97,601,934,670 | 17 |
| Average equity | $22,595,937,670 | 9 |
| Average total loans | $95,890,037,330 | 12 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0077% | 19 |
| Cost of funding earning assets | 0.4502% | 4,590 |
| Net interest margin | 10.5575% | 18 |
| Noninterest income to average assets | 2.7026% | 286 |
| Noninterest expense to average assets | 5.6867% | 240 |
| Loan and lease loss provision to assets | 1.6337% | 84 |
| Net operating income to assets | 2.6585% | 139 |
| Return on assets (ROA) | 2.6585% | 146 |
| Pretax return on assets | 4.0406% | 81 |
| Return on Equity (ROE) | 14.1961% | 932 |
| Retained earnings to average equity (ytd only) | 14.1961% | 433 |
| Net charge-offs to loans | 3.5696% | 84 |
| Credit loss provision to net charge-offs | 56.4887% | 2,498 |
| Earnings coverage of net charge-offs (x) | 1.9620% | 3,181 |
| Efficiency ratio | 48.4871% | 6,589 |
| Assets per employee ($millions) | 11.2716% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2456% | 237 |
| Loan loss allowance to noncurrent loans | 432.0219% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 4,408 |
| Noncurrent loans to loans | 0.9827% | 4,165 |
| Net loans and leases to total assets | 76.7087% | 748 |
| Net loans and leases to deposits | 226.0077% | 13 |
| Net loans and leases to core deposits | 2,201.5635% | 15 |
| Total domestic deposits to total assets | 30.8797% | 6,971 |
| Equity capital to assets | 19.3795% | 244 |
| Core capital (leverage) ratio | 10.0231% | 3,346 |
| Tier 1 risk-based capital ratio | 10.5725% | 6,559 |
| Total risk-based capital ratio | 14.0370% | 5,317 |
| Memoranda: | ||
| Average total assets | $118,690,270,000 | 17 |
| Average earning assets | $97,339,039,500 | 17 |
| Average equity | $22,227,039,000 | 9 |
| Average total loans | $96,162,463,500 | 11 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4743% | 19 |
| Cost of funding earning assets | 0.5415% | 4,891 |
| Net interest margin | 10.9327% | 17 |
| Noninterest income to average assets | 2.8939% | 269 |
| Noninterest expense to average assets | 5.8743% | 231 |
| Loan and lease loss provision to assets | 2.2426% | 73 |
| Net operating income to assets | 2.3072% | 209 |
| Return on assets (ROA) | 2.3053% | 227 |
| Pretax return on assets | 3.6431% | 92 |
| Return on Equity (ROE) | 12.1384% | 1,470 |
| Retained earnings to average equity (ytd only) | -1.2311% | 6,047 |
| Net charge-offs to loans | 3.8979% | 79 |
| Credit loss provision to net charge-offs | 69.1117% | 4,200 |
| Earnings coverage of net charge-offs (x) | 1.8147% | 4,524 |
| Efficiency ratio | 48.2413% | 6,694 |
| Assets per employee ($millions) | 11.8425% | 154 |
| Cash dividends to net income (ytd only)* | 110.1426% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3957% | 207 |
| Loan loss allowance to noncurrent loans | 429.5084% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 4,378 |
| Noncurrent loans to loans | 1.0234% | 4,158 |
| Net loans and leases to total assets | 78.2998% | 641 |
| Net loans and leases to deposits | 207.0506% | 17 |
| Net loans and leases to core deposits | 2,342.1370% | 15 |
| Total domestic deposits to total assets | 34.5105% | 7,032 |
| Equity capital to assets | 18.0956% | 321 |
| Core capital (leverage) ratio | 9.3051% | 4,408 |
| Tier 1 risk-based capital ratio | 9.3137% | 6,823 |
| Total risk-based capital ratio | 12.6754% | 6,121 |
| Memoranda: | ||
| Average total assets | $118,150,926,800 | 16 |
| Average earning assets | $95,848,422,000 | 17 |
| Average equity | $22,439,128,800 | 9 |
| Average total loans | $98,357,766,000 | 11 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5629% | 17 |
| Cost of funding earning assets | 0.5651% | 4,958 |
| Net interest margin | 10.9979% | 16 |
| Noninterest income to average assets | 2.9129% | 257 |
| Noninterest expense to average assets | 5.9717% | 213 |
| Loan and lease loss provision to assets | 1.9833% | 125 |
| Net operating income to assets | 2.4034% | 207 |
| Return on assets (ROA) | 2.4008% | 223 |
| Pretax return on assets | 3.8304% | 87 |
| Return on Equity (ROE) | 12.4901% | 1,468 |
| Retained earnings to average equity (ytd only) | -0.7894% | 6,244 |
| Net charge-offs to loans | 4.0280% | 84 |
| Credit loss provision to net charge-offs | 58.9021% | 4,178 |
| Earnings coverage of net charge-offs (x) | 1.7278% | 4,407 |
| Efficiency ratio | 48.9023% | 6,672 |
| Assets per employee ($millions) | 11.3503% | 166 |
| Cash dividends to net income (ytd only)* | 106.3199% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4988% | 210 |
| Loan loss allowance to noncurrent loans | 459.1400% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.8093% | 4,681 |
| Noncurrent loans to loans | 0.9798% | 4,483 |
| Net loans and leases to total assets | 78.8836% | 622 |
| Net loans and leases to deposits | 202.8840% | 14 |
| Net loans and leases to core deposits | 2,416.7653% | 16 |
| Total domestic deposits to total assets | 27.5039% | 7,143 |
| Equity capital to assets | 18.9571% | 300 |
| Core capital (leverage) ratio | 9.5099% | 4,254 |
| Tier 1 risk-based capital ratio | 9.6820% | 6,871 |
| Total risk-based capital ratio | 13.0962% | 6,012 |
| Memoranda: | ||
| Average total assets | $117,525,774,500 | 16 |
| Average earning assets | $94,857,498,000 | 17 |
| Average equity | $22,590,756,750 | 9 |
| Average total loans | $98,243,837,000 | 10 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4784% | 17 |
| Cost of funding earning assets | 0.5705% | 5,146 |
| Net interest margin | 10.9079% | 18 |
| Noninterest income to average assets | 2.9258% | 253 |
| Noninterest expense to average assets | 6.1376% | 207 |
| Loan and lease loss provision to assets | 1.4758% | 249 |
| Net operating income to assets | 2.6096% | 149 |
| Return on assets (ROA) | 2.6058% | 164 |
| Pretax return on assets | 4.1280% | 76 |
| Return on Equity (ROE) | 13.4954% | 1,237 |
| Retained earnings to average equity (ytd only) | 0.3347% | 5,932 |
| Net charge-offs to loans | 4.2317% | 99 |
| Credit loss provision to net charge-offs | 41.5576% | 4,231 |
| Earnings coverage of net charge-offs (x) | 1.5797% | 4,206 |
| Efficiency ratio | 50.4093% | 6,616 |
| Assets per employee ($millions) | 11.2733% | 169 |
| Cash dividends to net income (ytd only)* | 97.5196% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4549% | 238 |
| Loan loss allowance to noncurrent loans | 437.9704% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 4,687 |
| Noncurrent loans to loans | 1.0172% | 4,476 |
| Net loans and leases to total assets | 79.6286% | 548 |
| Net loans and leases to deposits | 186.9694% | 14 |
| Net loans and leases to core deposits | 2,376.2845% | 17 |
| Total domestic deposits to total assets | 28.0894% | 7,210 |
| Equity capital to assets | 19.1123% | 270 |
| Core capital (leverage) ratio | 9.6066% | 3,990 |
| Tier 1 risk-based capital ratio | 9.7698% | 6,878 |
| Total risk-based capital ratio | 13.1669% | 5,951 |
| Memoranda: | ||
| Average total assets | $118,057,175,670 | 16 |
| Average earning assets | $95,476,401,000 | 17 |
| Average equity | $22,795,251,330 | 9 |
| Average total loans | $99,072,142,330 | 10 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6777% | 18 |
| Cost of funding earning assets | 0.6027% | 5,102 |
| Net interest margin | 11.0749% | 18 |
| Noninterest income to average assets | 2.7515% | 270 |
| Noninterest expense to average assets | 6.0109% | 210 |
| Loan and lease loss provision to assets | 1.6222% | 206 |
| Net operating income to assets | 2.5744% | 161 |
| Return on assets (ROA) | 2.5669% | 196 |
| Pretax return on assets | 4.0778% | 86 |
| Return on Equity (ROE) | 13.2284% | 1,343 |
| Retained earnings to average equity (ytd only) | 0.2516% | 5,900 |
| Net charge-offs to loans | 4.2420% | 132 |
| Credit loss provision to net charge-offs | 45.4183% | 3,360 |
| Earnings coverage of net charge-offs (x) | 1.5992% | 3,526 |
| Efficiency ratio | 49.4329% | 6,712 |
| Assets per employee ($millions) | 11.4766% | 165 |
| Cash dividends to net income (ytd only)* | 98.0977% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0749% | 170 |
| Loan loss allowance to noncurrent loans | 388.0831% | 870 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 4,305 |
| Noncurrent loans to loans | 1.3077% | 4,156 |
| Net loans and leases to total assets | 79.4064% | 463 |
| Net loans and leases to deposits | 202.5450% | 13 |
| Net loans and leases to core deposits | 2,497.1946% | 15 |
| Total domestic deposits to total assets | 29.0450% | 7,272 |
| Equity capital to assets | 18.9865% | 280 |
| Core capital (leverage) ratio | 9.4604% | 4,102 |
| Tier 1 risk-based capital ratio | 9.7043% | 6,933 |
| Total risk-based capital ratio | 13.1011% | 6,036 |
| Memoranda: | ||
| Average total assets | $119,140,980,500 | 16 |
| Average earning assets | $96,508,170,000 | 17 |
| Average equity | $23,118,291,000 | 9 |
| Average total loans | $100,316,268,000 | 10 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2129% | 19 |
| Cost of funding earning assets | 0.6249% | 5,962 |
| Net interest margin | 11.5880% | 17 |
| Noninterest income to average assets | 3.0534% | 207 |
| Noninterest expense to average assets | 5.9616% | 214 |
| Loan and lease loss provision to assets | 1.6086% | 440 |
| Net operating income to assets | 3.1939% | 73 |
| Return on assets (ROA) | 3.2505% | 73 |
| Pretax return on assets | 5.0524% | 59 |
| Return on Equity (ROE) | 15.7783% | 635 |
| Retained earnings to average equity (ytd only) | -4.2081% | 6,385 |
| Net charge-offs to loans | 4.2146% | 133 |
| Credit loss provision to net charge-offs | 44.5763% | 5,542 |
| Earnings coverage of net charge-offs (x) | 1.8214% | 4,418 |
| Efficiency ratio | 45.7399% | 7,062 |
| Assets per employee ($millions) | 9.8750% | 245 |
| Cash dividends to net income (ytd only)* | 126.6704% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3589% | 144 |
| Loan loss allowance to noncurrent loans | 393.0711% | 853 |
| Noncurrent assets plus other real estate owned to assets | 1.1551% | 4,304 |
| Noncurrent loans to loans | 1.3634% | 4,097 |
| Net loans and leases to total assets | 80.1839% | 474 |
| Net loans and leases to deposits | 200.0572% | 15 |
| Net loans and leases to core deposits | 2,756.8407% | 18 |
| Total domestic deposits to total assets | 22.5816% | 7,320 |
| Equity capital to assets | 19.8039% | 243 |
| Core capital (leverage) ratio | 11.1967% | 2,121 |
| Tier 1 risk-based capital ratio | 11.0811% | 6,411 |
| Total risk-based capital ratio | 14.3806% | 4,946 |
| Memoranda: | ||
| Average total assets | $121,435,156,400 | 16 |
| Average earning assets | $99,352,504,600 | 16 |
| Average equity | $25,016,958,200 | 9 |
| Average total loans | $103,972,871,000 | 9 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3555% | 18 |
| Cost of funding earning assets | 0.6442% | 6,064 |
| Net interest margin | 11.7113% | 17 |
| Noninterest income to average assets | 3.0801% | 208 |
| Noninterest expense to average assets | 5.9653% | 205 |
| Loan and lease loss provision to assets | 1.4187% | 506 |
| Net operating income to assets | 3.3879% | 75 |
| Return on assets (ROA) | 3.4203% | 74 |
| Pretax return on assets | 5.3438% | 58 |
| Return on Equity (ROE) | 16.4429% | 618 |
| Retained earnings to average equity (ytd only) | -4.6842% | 6,575 |
| Net charge-offs to loans | 4.2626% | 135 |
| Credit loss provision to net charge-offs | 38.7695% | 5,278 |
| Earnings coverage of net charge-offs (x) | 1.8342% | 4,291 |
| Efficiency ratio | 45.2099% | 7,096 |
| Assets per employee ($millions) | 7.7625% | 523 |
| Cash dividends to net income (ytd only)* | 128.4877% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9515% | 94 |
| Loan loss allowance to noncurrent loans | 453.2143% | 705 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 4,547 |
| Noncurrent loans to loans | 1.3132% | 4,343 |
| Net loans and leases to total assets | 79.9263% | 524 |
| Net loans and leases to deposits | 203.4238% | 17 |
| Net loans and leases to core deposits | 3,266.3039% | 20 |
| Total domestic deposits to total assets | 20.9112% | 7,398 |
| Equity capital to assets | 20.8525% | 216 |
| Core capital (leverage) ratio | 11.6549% | 1,917 |
| Tier 1 risk-based capital ratio | 11.6976% | 6,110 |
| Total risk-based capital ratio | 15.0820% | 4,443 |
| Memoranda: | ||
| Average total assets | $121,356,803,000 | 16 |
| Average earning assets | $99,446,744,000 | 16 |
| Average equity | $25,243,443,000 | 9 |
| Average total loans | $104,178,462,000 | 9 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4149% | 20 |
| Cost of funding earning assets | 0.6746% | 6,104 |
| Net interest margin | 11.7404% | 17 |
| Noninterest income to average assets | 2.9598% | 223 |
| Noninterest expense to average assets | 5.6446% | 247 |
| Loan and lease loss provision to assets | 0.9629% | 918 |
| Net operating income to assets | 3.7798% | 69 |
| Return on assets (ROA) | 3.7798% | 71 |
| Pretax return on assets | 6.0032% | 54 |
| Return on Equity (ROE) | 18.1857% | 454 |
| Retained earnings to average equity (ytd only) | 2.5156% | 4,689 |
| Net charge-offs to loans | 4.7085% | 150 |
| Credit loss provision to net charge-offs | 23.7477% | 5,079 |
| Earnings coverage of net charge-offs (x) | 1.7180% | 4,014 |
| Efficiency ratio | 42.8415% | 7,278 |
| Assets per employee ($millions) | 7.3398% | 618 |
| Cash dividends to net income (ytd only)* | 86.1673% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1298% | 88 |
| Loan loss allowance to noncurrent loans | 632.3900% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 5,236 |
| Noncurrent loans to loans | 0.9693% | 5,048 |
| Net loans and leases to total assets | 79.7369% | 556 |
| Net loans and leases to deposits | 236.5471% | 16 |
| Net loans and leases to core deposits | 3,211.6806% | 21 |
| Total domestic deposits to total assets | 22.0478% | 7,466 |
| Equity capital to assets | 22.0292% | 179 |
| Core capital (leverage) ratio | 12.7783% | 1,257 |
| Tier 1 risk-based capital ratio | 12.9795% | 4,930 |
| Total risk-based capital ratio | 16.3854% | 3,394 |
| Memoranda: | ||
| Average total assets | $122,812,946,330 | 17 |
| Average earning assets | $100,955,715,330 | 17 |
| Average equity | $25,526,273,330 | 9 |
| Average total loans | $105,764,092,330 | 10 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6904% | 21 |
| Cost of funding earning assets | 0.6879% | 6,205 |
| Net interest margin | 12.0025% | 16 |
| Noninterest income to average assets | 2.4978% | 264 |
| Noninterest expense to average assets | 5.3905% | 276 |
| Loan and lease loss provision to assets | 0.2247% | 3,414 |
| Net operating income to assets | 4.3086% | 63 |
| Return on assets (ROA) | 4.3086% | 65 |
| Pretax return on assets | 6.8017% | 51 |
| Return on Equity (ROE) | 21.3188% | 274 |
| Retained earnings to average equity (ytd only) | 5.6170% | 2,841 |
| Net charge-offs to loans | 6.2350% | 104 |
| Credit loss provision to net charge-offs | 4.1587% | 4,435 |
| Earnings coverage of net charge-offs (x) | 1.3004% | 3,699 |
| Efficiency ratio | 41.4785% | 7,361 |
| Assets per employee ($millions) | 7.3093% | 637 |
| Cash dividends to net income (ytd only)* | 73.6525% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0864% | 95 |
| Loan loss allowance to noncurrent loans | 617.3380% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.8466% | 5,209 |
| Noncurrent loans to loans | 0.9859% | 5,067 |
| Net loans and leases to total assets | 80.6436% | 456 |
| Net loans and leases to deposits | 253.2252% | 14 |
| Net loans and leases to core deposits | 3,344.1146% | 20 |
| Total domestic deposits to total assets | 18.1693% | 7,534 |
| Equity capital to assets | 21.2012% | 197 |
| Core capital (leverage) ratio | 11.8645% | 1,643 |
| Tier 1 risk-based capital ratio | 12.4391% | 5,320 |
| Total risk-based capital ratio | 15.7529% | 3,697 |
| Memoranda: | ||
| Average total assets | $126,047,933,500 | 17 |
| Average earning assets | $104,167,624,500 | 16 |
| Average equity | $25,474,700,500 | 9 |
| Average total loans | $109,233,057,000 | 10 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8400% | 14 |
| Cost of funding earning assets | 0.9562% | 5,905 |
| Net interest margin | 13.8838% | 11 |
| Noninterest income to average assets | 2.6548% | 271 |
| Noninterest expense to average assets | 4.8320% | 484 |
| Loan and lease loss provision to assets | 5.4837% | 56 |
| Net operating income to assets | 2.2309% | 179 |
| Return on assets (ROA) | 2.2309% | 189 |
| Pretax return on assets | 3.5467% | 86 |
| Return on Equity (ROE) | 11.3783% | 1,487 |
| Retained earnings to average equity (ytd only) | 7.3910% | 1,178 |
| Net charge-offs to loans | 12.7302% | 8 |
| Credit loss provision to net charge-offs | 50.0059% | 6,256 |
| Earnings coverage of net charge-offs (x) | 0.8235% | 5,307 |
| Efficiency ratio | 32.8959% | 7,567 |
| Assets per employee ($millions) | 7.7679% | 532 |
| Cash dividends to net income (ytd only)* | 35.0431% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9457% | 62 |
| Loan loss allowance to noncurrent loans | 588.9024% | 563 |
| Noncurrent assets plus other real estate owned to assets | 1.0307% | 4,939 |
| Noncurrent loans to loans | 1.1794% | 4,747 |
| Net loans and leases to total assets | 81.3194% | 510 |
| Net loans and leases to deposits | 262.8993% | 16 |
| Net loans and leases to core deposits | 3,714.6601% | 19 |
| Total domestic deposits to total assets | 15.7629% | 7,615 |
| Equity capital to assets | 19.2956% | 303 |
| Core capital (leverage) ratio | 11.0475% | 2,125 |
| Tier 1 risk-based capital ratio | 11.0831% | 6,263 |
| Total risk-based capital ratio | 14.2394% | 4,573 |
| Memoranda: | ||
| Average total assets | $127,915,298,600 | 16 |
| Average earning assets | $103,258,035,000 | 16 |
| Average equity | $25,079,600,400 | 8 |
| Average total loans | $110,188,508,400 | 10 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.3700% | 12 |
| Cost of funding earning assets | 1.0342% | 5,781 |
| Net interest margin | 14.3359% | 11 |
| Noninterest income to average assets | 2.6283% | 260 |
| Noninterest expense to average assets | 4.7040% | 488 |
| Loan and lease loss provision to assets | 7.0529% | 22 |
| Net operating income to assets | 1.4869% | 947 |
| Return on assets (ROA) | 1.4869% | 1,026 |
| Pretax return on assets | 2.3585% | 294 |
| Return on Equity (ROE) | 7.5527% | 3,083 |
| Retained earnings to average equity (ytd only) | 7.5527% | 1,574 |
| Net charge-offs to loans | 14.4289% | 10 |
| Credit loss provision to net charge-offs | 56.9568% | 5,764 |
| Earnings coverage of net charge-offs (x) | 0.7600% | 5,303 |
| Efficiency ratio | 31.3702% | 7,675 |
| Assets per employee ($millions) | 7.6180% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5125% | 33 |
| Loan loss allowance to noncurrent loans | 632.9703% | 519 |
| Noncurrent assets plus other real estate owned to assets | 1.1836% | 4,769 |
| Noncurrent loans to loans | 1.3449% | 4,614 |
| Net loans and leases to total assets | 80.5143% | 663 |
| Net loans and leases to deposits | 259.2310% | 15 |
| Net loans and leases to core deposits | 3,850.6485% | 18 |
| Total domestic deposits to total assets | 15.3979% | 7,719 |
| Equity capital to assets | 18.8395% | 360 |
| Core capital (leverage) ratio | 10.1429% | 3,108 |
| Tier 1 risk-based capital ratio | 10.5910% | 6,714 |
| Total risk-based capital ratio | 13.7487% | 4,960 |
| Memoranda: | ||
| Average total assets | $127,123,438,000 | 16 |
| Average earning assets | $101,862,704,250 | 16 |
| Average equity | $25,026,207,750 | 8 |
| Average total loans | $109,097,597,500 | 10 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.9976% | 12 |
| Cost of funding earning assets | 1.0961% | 5,692 |
| Net interest margin | 14.9015% | 10 |
| Noninterest income to average assets | 2.6190% | 255 |
| Noninterest expense to average assets | 4.6751% | 484 |
| Loan and lease loss provision to assets | 8.4658% | 19 |
| Net operating income to assets | 0.8189% | 2,882 |
| Return on assets (ROA) | 0.8189% | 3,032 |
| Pretax return on assets | 1.3193% | 2,028 |
| Return on Equity (ROE) | 4.0981% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.0981% | 3,473 |
| Net charge-offs to loans | 17.1663% | 7 |
| Credit loss provision to net charge-offs | 57.9822% | 5,253 |
| Earnings coverage of net charge-offs (x) | 0.6702% | 5,074 |
| Efficiency ratio | 30.2699% | 7,750 |
| Assets per employee ($millions) | 7.9660% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9339% | 30 |
| Loan loss allowance to noncurrent loans | 558.0788% | 581 |
| Noncurrent assets plus other real estate owned to assets | 1.4318% | 4,327 |
| Noncurrent loans to loans | 1.6008% | 4,310 |
| Net loans and leases to total assets | 81.4496% | 603 |
| Net loans and leases to deposits | 277.1998% | 16 |
| Net loans and leases to core deposits | 4,192.8447% | 18 |
| Total domestic deposits to total assets | 13.9889% | 7,792 |
| Equity capital to assets | 17.2149% | 499 |
| Core capital (leverage) ratio | 8.8485% | 4,837 |
| Tier 1 risk-based capital ratio | 9.2460% | 7,359 |
| Total risk-based capital ratio | 12.3063% | 6,165 |
| Memoranda: | ||
| Average total assets | $125,504,228,330 | 16 |
| Average earning assets | $99,729,108,670 | 16 |
| Average equity | $25,080,090,330 | 8 |
| Average total loans | $106,746,473,670 | 10 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.1744% | 8 |
| Cost of funding earning assets | 1.2312% | 5,228 |
| Net interest margin | 16.9432% | 6 |
| Noninterest income to average assets | 2.5815% | 244 |
| Noninterest expense to average assets | 4.5896% | 519 |
| Loan and lease loss provision to assets | 11.6193% | 18 |
| Net operating income to assets | -0.3581% | 6,723 |
| Return on assets (ROA) | -0.3581% | 6,768 |
| Pretax return on assets | -0.4879% | 6,771 |
| Return on Equity (ROE) | -1.6572% | 6,596 |
| Retained earnings to average equity (ytd only) | -1.6572% | 6,149 |
| Net charge-offs to loans | 16.5587% | 15 |
| Credit loss provision to net charge-offs | 85.0731% | 3,771 |
| Earnings coverage of net charge-offs (x) | 0.8150% | 4,315 |
| Efficiency ratio | 27.1879% | 7,869 |
| Assets per employee ($millions) | 7.7771% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.7560% | 20 |
| Loan loss allowance to noncurrent loans | 345.8091% | 898 |
| Noncurrent assets plus other real estate owned to assets | 2.8391% | 2,550 |
| Noncurrent loans to loans | 3.1104% | 2,580 |
| Net loans and leases to total assets | 81.4591% | 654 |
| Net loans and leases to deposits | 294.6097% | 19 |
| Net loans and leases to core deposits | 4,654.5288% | 23 |
| Total domestic deposits to total assets | 14.2726% | 7,893 |
| Equity capital to assets | 15.9548% | 678 |
| Core capital (leverage) ratio | 7.6161% | 6,719 |
| Tier 1 risk-based capital ratio | 8.3165% | 7,579 |
| Total risk-based capital ratio | 11.3141% | 6,983 |
| Memoranda: | ||
| Average total assets | $118,676,916,500 | 17 |
| Average earning assets | $92,034,051,500 | 19 |
| Average equity | $25,642,092,000 | 7 |
| Average total loans | $97,887,779,000 | 11 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5882% | 13 |
| Cost of funding earning assets | 0.3595% | 7,885 |
| Net interest margin | 14.2286% | 8 |
| Noninterest income to average assets | 4.8222% | 148 |
| Noninterest expense to average assets | 5.5701% | 375 |
| Loan and lease loss provision to assets | 9.7214% | 16 |
| Net operating income to assets | -0.2699% | 5,928 |
| Return on assets (ROA) | -0.1413% | 5,741 |
| Pretax return on assets | -0.1150% | 5,614 |
| Return on Equity (ROE) | -0.5376% | 5,627 |
| Retained earnings to average equity (ytd only) | -0.5376% | 5,120 |
| Net charge-offs to loans | 10.4161% | 30 |
| Credit loss provision to net charge-offs | 129.6176% | 3,949 |
| Earnings coverage of net charge-offs (x) | 1.2637% | 4,864 |
| Efficiency ratio | 34.1050% | 7,913 |
| Assets per employee ($millions) | 4.8463% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3435% | 14 |
| Loan loss allowance to noncurrent loans | 273.7858% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 3.0815% | 2,253 |
| Noncurrent loans to loans | 4.5085% | 1,579 |
| Net loans and leases to total assets | 59.9130% | 5,356 |
| Net loans and leases to deposits | 115.6681% | 239 |
| Net loans and leases to core deposits | 3,713.5940% | 13 |
| Total domestic deposits to total assets | 25.4119% | 7,952 |
| Equity capital to assets | 30.6895% | 96 |
| Core capital (leverage) ratio | 20.9673% | 242 |
| Tier 1 risk-based capital ratio | 13.5440% | 3,796 |
| Total risk-based capital ratio | 16.7384% | 2,674 |
| Memoranda: | ||
| Average total assets | $92,626,013,000 | 22 |
| Average earning assets | $66,567,952,600 | 23 |
| Average equity | $24,349,267,400 | 8 |
| Average total loans | $66,694,760,000 | 17 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4898% | 15 |
| Cost of funding earning assets | 0.3613% | 7,980 |
| Net interest margin | 14.1284% | 9 |
| Noninterest income to average assets | 4.6157% | 146 |
| Noninterest expense to average assets | 5.5010% | 375 |
| Loan and lease loss provision to assets | 10.3362% | 23 |
| Net operating income to assets | -0.7441% | 6,642 |
| Return on assets (ROA) | -0.6109% | 6,535 |
| Pretax return on assets | -0.7784% | 6,530 |
| Return on Equity (ROE) | -2.4232% | 6,154 |
| Retained earnings to average equity (ytd only) | -2.4232% | 5,806 |
| Net charge-offs to loans | 10.6739% | 41 |
| Credit loss provision to net charge-offs | 132.8358% | 3,767 |
| Earnings coverage of net charge-offs (x) | 1.2064% | 4,861 |
| Efficiency ratio | 33.9501% | 7,986 |
| Assets per employee ($millions) | 4.4985% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0391% | 11 |
| Loan loss allowance to noncurrent loans | 348.5525% | 882 |
| Noncurrent assets plus other real estate owned to assets | 2.4253% | 2,842 |
| Noncurrent loans to loans | 3.4540% | 2,164 |
| Net loans and leases to total assets | 61.7640% | 5,282 |
| Net loans and leases to deposits | 105.2378% | 696 |
| Net loans and leases to core deposits | 3,638.8251% | 14 |
| Total domestic deposits to total assets | 20.6110% | 8,045 |
| Equity capital to assets | 26.5952% | 155 |
| Core capital (leverage) ratio | 13.9359% | 1,109 |
| Tier 1 risk-based capital ratio | 9.6566% | 7,271 |
| Total risk-based capital ratio | 12.0782% | 6,090 |
| Memoranda: | ||
| Average total assets | $93,021,762,750 | 22 |
| Average earning assets | $67,633,036,250 | 24 |
| Average equity | $23,451,423,250 | 7 |
| Average total loans | $67,811,537,500 | 18 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0754% | 20 |
| Cost of funding earning assets | 0.3297% | 8,089 |
| Net interest margin | 13.7457% | 10 |
| Noninterest income to average assets | 4.4464% | 150 |
| Noninterest expense to average assets | 5.4459% | 391 |
| Loan and lease loss provision to assets | 9.9517% | 37 |
| Net operating income to assets | -0.7303% | 6,774 |
| Return on assets (ROA) | -0.5191% | 6,575 |
| Pretax return on assets | -0.6164% | 6,542 |
| Return on Equity (ROE) | -2.0945% | 6,238 |
| Retained earnings to average equity (ytd only) | -2.0945% | 5,770 |
| Net charge-offs to loans | 10.0320% | 54 |
| Credit loss provision to net charge-offs | 134.5499% | 3,469 |
| Earnings coverage of net charge-offs (x) | 1.2282% | 4,614 |
| Efficiency ratio | 34.3307% | 8,082 |
| Assets per employee ($millions) | 5.0499% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.3771% | 16 |
| Loan loss allowance to noncurrent loans | 250.7226% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 2.9811% | 2,134 |
| Noncurrent loans to loans | 4.1389% | 1,609 |
| Net loans and leases to total assets | 64.5534% | 4,866 |
| Net loans and leases to deposits | 262.2672% | 29 |
| Net loans and leases to core deposits | 4,040.3113% | 13 |
| Total domestic deposits to total assets | 23.1913% | 8,125 |
| Equity capital to assets | 25.3192% | 195 |
| Core capital (leverage) ratio | 13.8803% | 1,168 |
| Tier 1 risk-based capital ratio | 9.4729% | 7,412 |
| Total risk-based capital ratio | 11.8504% | 6,232 |
| Memoranda: | ||
| Average total assets | $94,751,203,330 | 21 |
| Average earning assets | $69,505,782,670 | 23 |
| Average equity | $23,482,057,330 | 7 |
| Average total loans | $69,857,219,330 | 16 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.8043% | 20 |
| Cost of funding earning assets | 0.3288% | 8,152 |
| Net interest margin | 13.4755% | 10 |
| Noninterest income to average assets | 4.8556% | 131 |
| Noninterest expense to average assets | 5.2827% | 405 |
| Loan and lease loss provision to assets | 10.2307% | 40 |
| Net operating income to assets | -0.5152% | 6,890 |
| Return on assets (ROA) | -0.5152% | 6,940 |
| Pretax return on assets | -0.6654% | 6,944 |
| Return on Equity (ROE) | -2.1007% | 6,675 |
| Retained earnings to average equity (ytd only) | -2.1007% | 6,126 |
| Net charge-offs to loans | 8.3478% | 89 |
| Credit loss provision to net charge-offs | 164.3959% | 2,597 |
| Earnings coverage of net charge-offs (x) | 1.5370% | 3,957 |
| Efficiency ratio | 32.3885% | 8,138 |
| Assets per employee ($millions) | 4.8101% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0171% | 15 |
| Loan loss allowance to noncurrent loans | 262.0216% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 2.9413% | 1,929 |
| Noncurrent loans to loans | 3.8230% | 1,607 |
| Net loans and leases to total assets | 69.2294% | 3,865 |
| Net loans and leases to deposits | 126.8147% | 179 |
| Net loans and leases to core deposits | 3,716.0417% | 12 |
| Total domestic deposits to total assets | 42.7766% | 8,132 |
| Equity capital to assets | 26.4448% | 193 |
| Core capital (leverage) ratio | 13.3544% | 1,371 |
| Tier 1 risk-based capital ratio | 12.0226% | 4,946 |
| Total risk-based capital ratio | 13.7391% | 4,475 |
| Memoranda: | ||
| Average total assets | $95,774,230,500 | 22 |
| Average earning assets | $71,019,091,500 | 23 |
| Average equity | $23,486,989,500 | 7 |
| Average total loans | $71,399,066,000 | 17 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1096% | 31 |
| Cost of funding earning assets | 1.8703% | 6,825 |
| Net interest margin | 10.2393% | 27 |
| Noninterest income to average assets | 8.8797% | 82 |
| Noninterest expense to average assets | 5.6101% | 476 |
| Loan and lease loss provision to assets | 5.5645% | 77 |
| Net operating income to assets | 3.0708% | 66 |
| Return on assets (ROA) | 3.3147% | 54 |
| Pretax return on assets | 5.3023% | 44 |
| Return on Equity (ROE) | 12.1491% | 1,556 |
| Retained earnings to average equity (ytd only) | 3.8278% | 2,748 |
| Net charge-offs to loans | 5.3286% | 87 |
| Credit loss provision to net charge-offs | 158.3815% | 3,277 |
| Earnings coverage of net charge-offs (x) | 2.9846% | 4,595 |
| Efficiency ratio | 30.3510% | 8,233 |
| Assets per employee ($millions) | 5.6063% | 1,385 |
| Cash dividends to net income (ytd only)* | 68.4930% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8860% | 22 |
| Loan loss allowance to noncurrent loans | 301.5026% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 1.8960% | 2,593 |
| Noncurrent loans to loans | 2.6156% | 2,071 |
| Net loans and leases to total assets | 66.7733% | 4,689 |
| Net loans and leases to deposits | 122.5626% | 339 |
| Net loans and leases to core deposits | 3,382.8557% | 13 |
| Total domestic deposits to total assets | 42.2301% | 8,176 |
| Equity capital to assets | 22.8654% | 321 |
| Core capital (leverage) ratio | 12.8202% | 1,609 |
| Tier 1 risk-based capital ratio | 11.0279% | 5,703 |
| Total risk-based capital ratio | 12.7135% | 5,174 |
| Memoranda: | ||
| Average total assets | $83,689,148,000 | 22 |
| Average earning assets | $58,980,727,000 | 27 |
| Average equity | $22,832,990,000 | 7 |
| Average total loans | $55,179,788,000 | 20 |